JP2013254323A - Point exchange system for credit card - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide the point exchange system of a credit card for subtracting an amount shared by an affiliated store company from credit payment in the points of a credit card company.SOLUTION: In a point exchange system of a credit card constituted of a member who has a credit card, a credit card company which has a point management system and an affiliated store which preliminarily gives points when the credit card is used, a point management system includes: point calculation means A2 for calculating the number of points on the basis of card use information; point calculation means A5 for calculating the number of exchange points by totaling the cumulative number of points of the credit card of point exchange application and the points preliminarily given by the designated affiliated store; and sales processing means A9 for calculating a claim amount by subtracting the used number of points from the sales data of the affiliated store when the credit card is used.

Description

  The present invention relates to a credit card in which a credit card company's service point amount and the total amount of points borne by the member store can be discounted when purchasing the merchandise of the member store using a credit card. The point exchange system.

  When a credit card company uses a credit card when shopping, the points issued by the credit card company are given according to the amount used with the credit card, and points are added according to the amount used. Depending on the number of accumulated points, products and services are offered as premiums.

  However, in the conventional point service, since only the products prepared in advance by the credit card company can be exchanged, there is a problem that the range of selection is narrow and there are cases where there are no products desired by some users.

  Therefore, in order to set the products that the credit card user wants to be exchanged for points, the points that are acquired by the credit card user according to the use of the credit card are connected to the terminal device via the communication network. A step of receiving the desired product information relating to the desired product to be exchanged from the terminal device, and exchange points required for exchanging the desired product specified by the received desired product information. There has been proposed a point processing method including a step of calculating and a step of transmitting exchange point information relating to the calculated exchange point to the terminal device (see Patent Document 1).

JP 2012-038885 A

  However, in the point processing method of Patent Document 1, a product desired by a credit card user must be set in advance and purchased according to the result, and it must be set for each product. Therefore, the effect of promoting the use of credit cards and sales promotion is small, and the increase in sales of credit card companies cannot be expected.

  Also, since credit card users refrain from visiting stores that sell desired products because it is cumbersome to set the desired products in advance, we can not expect much increase in store sales, We can't expect much revenue from credit card users.

  Therefore, in the present invention, instead of requiring a procedure for specifying a product that uses points, the member specifies a member store, so that the credit card company points can be used from the credit price only for the use of the specified member store. A credit card point exchange system that can be discounted is provided.

  The credit card point exchange system of the present invention comprises a member having a credit card in which points are accumulated by using the credit card, a credit card company having a point management system for managing points, and a member store where the credit card can be used. In the credit card point exchange system, the point management system of the credit card company is based on card usage information input means for inputting credit card card usage information, card usage information input from the card usage information input means. Point calculation means for calculating the number of points by the point calculation means, output means for notifying members of the number of points calculated by the point calculation means, and point exchange applications from members who specify the number of points and member stores to be used are input Ru Member, point calculation means for calculating the number of credit card accumulation points and the number of exchange points of the designated member store, and the number of exchange points calculated by the point calculation means are notified to the member. Output means, input means for inputting sales data of member stores by using a credit card, member store determination means for determining whether or not the input sales data belongs to a member store, and used when a member store is used Sales processing means for calculating a billing amount obtained by subtracting the number of points obtained, and output means for outputting a billing amount obtained by subtracting the number of points used from the sales processing means.

In the present invention, when a member exchanges points, by designating a specific destination member store, the point exchange rate is reasonable, so that the possibility of specifying the exchange at the member store becomes high.
While member stores bear an increase in the point exchange rate, there is an advantage as a member customer because the possibility that a member designates a member store increases.

  Merchants can advertise to members by notifying product guides, etc., and can expect to increase profits by using their cards.

  Since the points exchanged by the member are used for card use within a predetermined period, for example, within two months from the date of exchange, the member store can secure future product sales and card use.

It is a flowchart of the credit card point management system of this invention. It is a credit card company point management system configuration diagram according to the present invention.

  In FIG. 1, the credit card point exchange system of the present invention comprises a credit card company, a member who uses credit, and a member store where points can be used.

  When a member purchases a product using a credit card, the purchase amount data is sent to the credit card company (S1), and the credit card company calculates the number of points by the point management system according to the purchase amount (S2). .

  The calculated number of points is notified to the member (S3).

  The member who received the points notifies the credit card company of the point exchange application, the selected member store name and the number of points (S4). A plurality of member store names may be used. Member names, handling products, catalogs, etc. that are members of this system are notified to the members in advance. This becomes advertising for member stores.

  By applying for point exchange, you will be asked for points (specified points) discounted by the specified merchant of the specified destination, and add to the credit card company points (usually exchanged points) to redeem points (normal exchange amount + specified points) Is calculated (S5). Points for specific destinations are determined for each member store. Since the points for a specific destination are added to the points for normal exchange, the point return rate increases and the bargain can be purchased.

  The calculation result is stored in the point database, and the point exchange is completed (S6).

When the point exchange is completed, the number of remaining points is notified and the merchandise Anai of the selected member store is sent (S7)

  The member who has received the notice of the number of remaining points purchases a product using a credit card at a desired member store (S8). When purchasing a product, exchange points (ordinary exchange amount + specific destination) are discounted from the credit usage fee. For example, if you own 10,000 points (10,000 yen for 1 point), you can purchase 10,000 yen for a discount of 10000 yen, and you can purchase for 0 yen without any charge. In addition, in the case of a product of 15,000 yen, the 10,000 yen discount is discounted and can be purchased with a charge of the remaining 5000 yen.

  When the credit card is used, sales data of the member sales information is transmitted to the credit card company (S9).

  In the credit card company, it is determined whether or not the transmitted sales data is used in the member store (S10). If it is used at a member store, it is sent to the point database (S11).

  If it is used at a member store, the number of points used is obtained from the data in the point database (S12). When the number of points is obtained, the number of points is subtracted from the sales data (S13). The subtracted billing amount is notified (S14).

  The member pays the invoiced amount notified by account transfer (S15). In addition, the billed amount is also notified in cases other than the member store (S16), and paid by account transfer (S15).

  At the same time, with respect to the use of points at the member store of the member, the credit card company obtains the share that is positioned as the customer consideration for the member store from the sales data (S13). Billing (S17), the member store pays the billed amount (S18).

  Next, the configuration of the credit card company point management system according to the present invention will be described with reference to FIG.

  In FIG. 2, when a member pays using a credit card, the card usage information of the member is input from the store of purchase to the input means A1 of the point management system of the credit card company.

  Based on the input card usage information, the point calculation means A2 calculates the number of points, and the calculated number of points is notified to the member via the output means A3.

  Depending on the number of points, the member designates the number of points to be used and the member store to be used and applies for a point exchange to the credit card company. When the point exchange is input to the input means A4, the point calculation means A5 calculates the exchange points (normal exchange amount + specific destination portion).

  The calculated number of remaining points is notified to the member via the output means A6.

  When a product is purchased using a credit card, the sales data is transmitted from the store where the product was purchased, and is input to the input means A7 of the credit card company. The member store determination means A8 determines whether or not it is used at the member store. The

  When the member store is used, the billing amount obtained by subtracting the number of points used by the sales processing means A9 is calculated, and the member is charged through the output means A10.

  In addition, the member store is charged for the amount corresponding to the number of points used for the specific destination.

  Payment after billing is processed by bank transfer as before.

A1: Input means
A2: Point calculation means A3: Output means A4: Input means A5: Point calculation means A6: Output means A7: Input means A8: Member store determination means A9: Sales processing means A10: Output means

Claims (1)

In a credit card point exchange system consisting of a member having a credit card in which points are accumulated by the use of the credit card, a credit card company having a point management system for managing points, and a member store that can use the credit card,
The point management system of the credit card company
Card usage information input means for entering credit card usage information,
Point calculation means for calculating the number of points by the point calculation means based on the card usage information input from the card use information input means;
An output means for notifying members of the number of points calculated by the point calculation means;
An input means for inputting point exchange applications from members who specify the number of points and member stores to be used,
Point calculation means for calculating the number of exchange points by adding the accumulated points of the credit card and the points given in advance by the designated member store by applying for point exchange from a member;
Output means for notifying members of the number of exchange points calculated by the point calculation means;
Input means for entering sales data of member stores using credit cards,
A member store determination means for determining whether or not the input sales data belongs to a member store;
Sales processing means for calculating the amount charged when subtracting the number of points used when using member stores,
A credit card point exchange system comprising output means for outputting a billing amount obtained by subtracting the number of points used from the sales processing means.

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