JP3343619B2 - Point service system by bank POS - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a bank POS point service system in which a point service is added to a bank POS system.

[0002]

2. Description of the Related Art A bank POS system has been conventionally known as a purchase / settlement system for goods and the like using a bank cash card. In this bank POS system, a POS terminal installed in a retail store (member store) and a host computer of the bank are connected via a communication line, and a customer's cash card is read and a personal identification number is input at the terminal in the member store. At the same time, it is a system for executing a transfer from a customer deposit account such as a purchase price of a product to a member store deposit account in real time. In addition, this bank POS system uses the CAFIS (Credit And Finance Information S
The system is connected to a bank host processing agent system such as ystem, etc., and a system that transfers the data stored in this agent system to the bank host computer at the same time as the start of banking business enables 24-hour service. be able to.

On the other hand, within a specific group such as a shopping district, a predetermined percentage of points is issued in the form of, for example, a service ticket or a stamp stamp according to the purchase amount, and the customer adds the points to a predetermined point. Generally, customer service (point service) is provided so that the service can be received. Further, such a point service using a magnetic card or an IC card has been proposed in, for example, Japanese Patent Publication No. 2-34079 or Japanese Patent Application Laid-Open No. 2-306398. In the systems described in these publications, point data commensurate with the transaction amount of the customer is written into the information recording section of the magnetic card or IC card by the POS terminal or the like of each member store, and the point data is received by receiving the service of the customer. Is to be subtracted. As for the above point service, there is also known a point service in which a point corresponding to a usage amount is issued to a credit card user in the form of a service ticket when a usage statement is sent.

[0004]

The above-mentioned bank P
According to the OS system, a user can make a payment in his or her own bank account without having cash when purchasing goods at a member store, etc.
In addition, for banks and franchisees, there is an advantage that this can be a new customer service to strengthen transactions. However, in the conventional bank POS system, the merit received by the customer is merely cashless shopping, and no consideration has been given to the provision of additional services. The fact is that the system has not been replaced with a credit card system that has been widely used in the past.

[0005] As an additional service when shopping at a store constituting a specific group or when using a credit card, the point service is generally provided as described above. In the method of issuing points in the form of a service ticket, there is a problem that the service ticket is lost or the task of pasting it on an order book is troublesome. If a magnetic card or the like for processing is separately issued, there is a problem that handling of the card is complicated.

The present invention has been made in view of the above circumstances, and enables a point service to be added to a bank POS system without complicating card handling. It is an object of the present invention to provide a point service system using a bank POS, which can improve the number of points.

[0007]

A bank POS according to the present invention is provided.
Point service system by the bank host con
Pyuta and Ps installed at affiliated stores affiliated with the bank
OS terminal and magnet for recording data necessary for banking business
Poi according to the customer's payment at the stripe section and the merchant
And a point data recording unit for recording point data.
Store cards and sales data sent by merchants
A customer file that stores sales files and customer data is set up.
Bank host processing agent system,
Using a POS terminal, the magnetic stripe portion of the card and the PO
Read the data recorded in each of the
Data recorded in the point card recording unit.
Will be added according to the customer's new payment price.
The data stored in the magnetic stripe portion is
Send from POS terminal to the bank host processing agent system
The host computer of the bank is online
State, the data transmitted from the POS terminal
The public line by the bank host processing agent system.
To the bank's host computer via
From the customer's deposit account of the payment price to the member store's deposit account
To the bank, and the bank's host computer
When offline, send from the POS terminal
The data provided by the bank host processing agent system
Check customer data using the customer file
And store data in the sales file,
The bank's host computer provides online services
When started, the data of the sales file will be
To the host computer of the bank via
Deposit of the member store from the customer's deposit account of the customer's payment
Performs a transfer process to the account and, based on the point data,
At the time of receiving the service
Subtracts recorded data according to the service received
Characterized in that it.

[0008]

When a customer uses a cash card to make a purchase at a member store, the customer reads the data recorded on the magnetic stripe portion of the cash card and temporarily enters the online or bank host processing agent system. Through the data accumulation, a transfer process from the customer's deposit account of the customer's payment at the member store to the member store's account is performed. At the same time, the point data according to the payment of the customer is written in the point data recording section of the cash card. Then, when the point data accumulated in the cash card reaches a predetermined value, a service such as a gift certificate corresponding to the accumulated number of points is provided to the customer. Also, at the time of receiving this service,
The accepted service points are subtracted from the number of points stored in the point data recording unit.

[0009]

Embodiments will be described below with reference to the drawings.

FIG. 1 shows a bank POS according to an embodiment of the present invention.
1 is a system configuration diagram of a point service system according to the present invention.

This embodiment is applied to a bank POS system including a bank and each affiliated store in a specific shopping street affiliated with the bank. The cash card 1 used in the system is a magnetic stripe unit. And an IC below the magnetic stripe portion 2 near one side.
An IC chip section 3 formed by embedding a chip is provided. Here, the IC chip unit 3 has only a memory function, thereby reducing the cost of the card. Various data necessary for normal banking operations are recorded in the magnetic stripe section 2 of the cash card 1, and the IC chip section 3 stores information in each member store in order to provide services to customers in a shopping district. Point data corresponding to the transaction amount of the customer is recorded.

In addition, POS terminals (POS terminals) are provided at affiliated stores.
Cashier) 4 and a card reader / writer 5 attached thereto. The card reader / writer 5 includes a magnetic stripe portion 2 and an IC chip portion 3 of the cash card 1.
Read the data recorded in each of the
The point data corresponding to the transaction amount of the user is written in the C chip unit 3. The POS terminal 4 is connected to the CAFIS 6 via a public line, and the CAFIS 6 is connected to the host computer 7 of the bank by, for example, a dedicated line.

The CAFIS 6 is provided with a sales file for storing sales data transmitted from a member store, and a customer file for storing customer data. On the other hand, an account file in the bank host computer 7 is provided with a customer account and a member store account, respectively. The CAFIS 6 performs switching of data transmitted from a member store when the bank host computer 7 is in an online state. When the bank host computer 7 is in an offline state, the CAFIS 6 uses sales data transmitted from the member store according to data in a customer file. A check is made and the sales data is stored in a sales file. When the bank host computer 7 starts the online service, the data stored in the sales file is transmitted to the bank host computer 7.

The POS terminal 4 of each member store is also connected to a host computer 8 installed at a secretariat in a shopping mall for processing a point service. The host computer 8 of the secretariat tabulates and records the point data transmitted from the POS terminal 4 of each member store for each customer, and calculates the total number of service points given to the customer by the member store. Record.

In the above system, first, the bank card 1 is issued from a bank to a user of the bank POS system. In this case, the magnetic stripe portion 2 of the cash card 1 has a user's password,
Data such as bank numbers, store codes, and account numbers are recorded.
As a result, the user inserts the cash card 1 into the CD machine of the bank and uses it for cash payment from his / her own deposit account.

When a user uses the cash card 1 to make a purchase or the like at a member store in a shopping street affiliated with the bank, the user must pay the cash card 1 at the cash register when the shopping price is settled. Is presented. The cashier at the member store inserts the cash card 1 into the card reader / writer 5 and causes the data recorded on the magnetic stripe portion 2 to be read, and at the same time, the user inputs a password.

The data read through the card reader / writer 5 is transmitted from the POS terminal 4 via the public line to the host computer 7 via the CAFIS 6 when the host computer 7 of the bank is online.
The funds are immediately transferred from the customer's account to the member store's account (sales settlement processing). On the other hand, when the host computer 7 of the bank is inactive, that is, in an off-line state, the CAFIS 6 checks customer data, the accumulated usage limit, and the like based on data of a customer file registered in advance to determine whether or not sales are possible. Is stored in the sales file and returned to the POS terminal 4 of the member store. When the bank host computer 7 starts the online service, the data of the sales file is sent to the bank host computer 7, and the host computer 7 transfers the data from the customer's account to the member store's account based on the data. Transfer funds.

When the cash card 1 is inserted into the card reader / writer 5, a predetermined service point to be delivered in accordance with the purchase price of the customer is recorded in the IC chip section 3 as point data. Here, this service point is purchased in advance by each affiliated store from the secretariat of the shopping street, and each affiliated store issues a customer within the range of the purchased points. Further, data relating to the service points delivered to the customer in this way is sent from the POS terminal 4 to the host computer 8 of the secretariat. Then, the host computer 8 totals the point data for each customer and calculates the total number of service points held by the member store.

When the point data stored in the cash card 1 has reached a predetermined value, the customer provides a gift voucher or prize service corresponding to the accumulated number of points at a secretariat (or a member store) of the shopping district. Can receive. At the time of receiving the service, the received service points are subtracted from the number of points stored in the cash card 1, and the point data for each customer in the host computer 8 of the secretariat is rewritten.

[0020]

Since the present invention is configured as described above, the bank P can be used without complicated card handling.
A point service can be added to the OS system, thereby improving customer service.
The bank POS system can be made more attractive.

[Brief description of the drawings]

FIG. 1 is a system configuration diagram of a point service system using a bank POS according to an embodiment of the present invention.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Cash card 2 Magnetic stripe part 3 IC chip part 4 POS terminal 7 Host computer 8 Host computer

────────────────────────────────────────────────── ─── Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI G07G 1/12 321 G07G 1/12 321P // B42D 15/10 521 B42D 15/10 521 (56) References JP-A-3-3 228199 (JP, A) JP-A-3-142698 (JP, A) JP-A-58-176773 (JP, A) U.S. Pat. No. 5,056,019 (US, A) FREDERICK, James, "Retailers use POS systems to marketing marketing"", Drug Store News, 1990.08.20, p. 21 (58) Field surveyed (Int.Cl. ⁷ , DB name) G06F 17/60

Claims (1)

(57) [Claims] Claims: 1. A host computer of a bank and the bank
POS terminals installed in affiliated stores and banking
Magnetic stripe section and member stores to record data necessary for business
Record point data according to customer's payment price
A card with a point data recording section and a member store
Sales files and customer data that store transmitted sales data
Bank host process with a customer file to store data
The POS terminal includes a magnetic stripe portion of the card and
And data recorded in each of the point card recording sections
And read the data recorded in the point card recording section.
Data in accordance with the customer's new payment price
At the same time, the data stored in the magnetic stripe portion is
From the terminal to the bank host processing agent system
The host computer of the bank is online
Sometimes, the data transmitted from the POS terminal is
The bank host processing agent system provides
Send to the bank's host computer and pay the customer's payment
From the customer's deposit account to the merchant's deposit account
Perform the transfer process and turn off the bank's host computer
When in the line state, it is transmitted from the POS terminal
The data provided to the bank host processing agent system
To check customer data using the customer file.
Along with accumulating data in the sales file,
Bank host computer launches online service
The data of the sales file via a public line.
To the bank's host computer
From the customer's deposit account of the payment price to the member store's deposit account
Transfer processing, and when receiving the service based on the point data,
Receiving data recorded in the point card recording section
A point service system using a bank POS, wherein a subtraction process is performed according to a service provided.