JP4580512B2 - IC card - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention relates to an IC card, a mobile phone terminal, and a multipoint up system using them.
[0002]
[Prior art]
A customer immobilization method based on points for giving a score to a customer in accordance with the purchase price or the number of times of use is widely used. However, since it is an individual point system for each store (each retailer), the customer needs to use different points according to the store that carries and uses a plurality of point cards. Multiple stores (retailers) adopt a common point system and one point card can be used at many stores, or in the case of a point system operated by a credit card company, common points are added at multiple stores In this case, it is usually not possible to take a point addition method that differs for each store.
[0003]
[Problems to be solved by the invention]
A common point system is used, but a method that allows a certain degree of freedom to each store regarding the point addition method is desired. For example, one store may give 10 points per thousand yen, while another store may want to give 1 point for every 100 yen. Also, in the case of ticket sales for sports and music performances, there are cases where it is desired to give points when entering the venue on the day, not at the time of ticket purchase.
[0004]
In addition, in order to bring out the customer's willingness to purchase, the point addition rules are changed according to customer attributes such as age and gender, the point addition rules are changed according to the products to be purchased, and the setting of these point addition rules can be changed. There is a demand for a point system that can be operated flexibly and finely so that it can respond to various tastes and needs of customers, sales promotion plans on the store side, etc. that can be performed for each store or for a limited time.
[0005]
In recent years, the development of communication infrastructure such as the Internet and mobile data communication has been remarkable. Realization of a highly convenient point system that effectively utilizes the development of such communication infrastructure is also desired.
[0006]
The present invention has been made in consideration of the above problems, and a plurality of point addition rules can be set at a plurality of stores. IC card that can be used as a point card It is an issue to provide.
[0007]
[Means for Solving the Problems]
The present invention for solving the above problems uses a point card that is awarded according to the purchase price of a product in a store as a point card that accumulates in a data memory, and at least the identification information of the card holder and the validity of the card Is an IC card stored in the data memory, and in the data memory of the IC card, When a user purchases a product by presenting the IC card, he / she receives transaction content information indicating a purchase price and the like from a reader / writer device, and point addition information for identifying a point addition rule, based on the transaction content information, An executable program that operates as a point totaling means for calculating accumulated points according to the point addition rule specified by the point addition information is installed, and the point addition information is based on the amount data of transaction content information. Calculate the current addition point according to the point addition rule specified in the addition information, and immediately add this to the accumulated point recorded in the data memory and perform an immediate point addition process as a new accumulated point, The received transaction details information and point addition information are A temporary point addition process that temporarily records in an appropriate area of the data memory is performed, or the data memory is searched using the contents included in the received transaction content information as a clue, and the temporary point addition process is temporarily performed. The recorded transaction content information and the point addition information are read out, and include a control flag part for designating whether to perform point addition processing for admission to obtain new accumulated points based on these information, When the IC card receives transaction content information and the point addition information from the reader / writer device, when the point addition information requests that the immediate point addition process be performed, Based on the transaction content information, the current addition is performed according to the point addition rule specified by the point addition information. When the point addition information is a request to perform the pending point addition processing, the point addition information and the transaction content information are calculated. Is temporarily recorded in the data memory of the IC card, the process of notifying the reader / writer device that the hold process has been completed is performed, and the point addition information is requested to perform the point addition process of the entrance. At the time, the accumulated points are calculated based on the transaction content information and the point addition information stored in the data memory of the IC card corresponding to the received transaction content information. This is the gist.
[0026]
The RW device 20 may actually be a terminal device compatible with various forms of IC cards. A POS terminal, a desktop computer, a portable computer, or the like in a store having an IC card read / write interface and processing means (usually realized by software) that interprets and executes a command protocol with the IC card.
[0027]
First, the point-up system 1 according to the first embodiment of the present invention will be described. FIG. 8 is a block diagram illustrating the entirety of the first embodiment. First, the IC card 10 before registering the point application is installed in the data memory 15 by the RW device 21 of the store, and an execution format program that operates as the point totaling means 18 is installed. At the same time, the identification information of the user (card holder) and the information that proves the validity of the card are also recorded in the data memory 15. The store RW apparatus 21a in FIG. 8 represents the RW apparatus 21 having a function necessary for such registration. The IC card in which necessary programs and data are registered in this way becomes the IC point card 11.
[0028]
FIG. 3 is a flowchart for explaining the data exchange and processing flow between the store RW device 21 and the IC point card 11. Next, the processing operation of the point totaling means 18 will be described with reference to FIG.
[0029]
When the IC point card 11 is inserted into the RW device 21, the RW device 21 first issues a command for checking the validity of the card (S10). Upon receiving this command, the IC point card 11 returns data verifying the validity recorded on the card, such as identification information of the cardholder (S20). Next, the RW device 21 issues a command instructing to perform a point application (S12). The IC point card 11 accepts this command and performs initialization and the like necessary for executing the point totaling means 18 (S22). Next, the RW device 21 creates transaction content information and point addition information according to the product and the amount of money purchased by the card owner at the store, and transmits them to the IC point card 11 (S14).
[0030]
Here, the transaction content information includes the purchase price and the content. The contents are information that identifies purchased items that the point up system needs. The point addition information includes a control flag and addition rule identification information. The control flag designates one of a case where point addition is performed immediately (addition), a point addition provided with a time difference (holding), and a point addition based on the held information (entrance). The addition rule identification information is information for identifying the point addition rule. For example, an addition method such as whether to add 10 points for every 1000 yen or 1 point for every 100 yen is specified. Decide what point addition rules to use for each store (business).
[0031]
The IC point card 11 receives transaction content information and point addition information, and performs necessary processing according to the control flag. That is, when the control flag is “addition”, the point addition processing is immediately performed. Based on the amount data of the transaction contents information, the current addition point is calculated according to the addition rule specified by the point addition information, and this is added to the accumulated point value recorded in the data memory 15 to obtain a new accumulated point. (S26).
[0032]
If the control flag is “pending”, the received transaction content information and point addition information are temporarily recorded in an appropriate area of the data memory 15 (S29).
[0033]
When the control flag is “entrance”, the data memory 15 is searched for the content included in the accepted transaction content information, and the transaction content information and the point addition information temporarily stored at the time of holding are read. Based on these pieces of information, a new accumulated point value is obtained (S28). It should be noted that valid transaction amount data is not included in the transaction content information sent to the IC point card 11 at the time of “entrance”. Only the information necessary for specifying the pending transaction details is notified to the IC point card 11.
[0034]
If the control flag is “addition” or “entrance”, the accumulated points have been updated, and therefore the accumulated points before and after the update are notified to the RW device 21 in order to inform the end of the process. When the control flag is “hold”, the RW device 21 is notified that the hold processing is finished. At this time, the current accumulated point value may be sent. Upon receiving these notifications, the RW device 21 displays this on the display unit for operator confirmation (S16), and ejects the card 11 (S18).
[0035]
Each process of steps S24, S26, S28, and S29 described above is an operation performed by the point summation totaling unit 18.
[0036]
Returning to FIG. If the IC point card 11 equipped with the point totaling means 18 as described above is used, it is necessary to temporarily store necessary information in order to purchase points at a store and immediately add points. The point-up system 1 is realized in which point addition is executed based on the reserved information. FIG. 8 shows the flow of such a point-up system. The owner of the IC point card 11 repeatedly purchases a product at the store, purchases a ticket, and enters the event venue. When a certain number of points are accumulated, the store RW device 21e (RW terminal 21 having a point clear function) is used. A certain number of points can be exchanged for gift certificates or other benefits.
[0037]
In the point system 1 described above, after adding a flag meaning “addition + hold” to the control flag and performing point addition processing at the time of purchase, the transaction content information and the point addition information are stored in the data memory 15, Later, when this card receives a control flag of “entry”, it can be realized to perform point addition. What is necessary is just to comprise the point totalization means 18 in that way.
[0038]
As described above, in the point-up system 1, various point addition rules can be implemented depending on the function of the point totaling means 18 mounted on the IC point card 11. When adding points, it can be programmed to change the number of points added depending on the value of an attribute of the customer. Therefore, the point addition rule can be changed by installing a new point totaling means 18 in the IC point card 11 or changing the attribute record of the cardholder as necessary at the store RW device 21a or the store RW device 21e. Is possible. For example, when the point is cleared at the store RW device 21e, the specific attribute information of the customer in the IC point card 11 is changed, and thereafter, the point addition rule further favored as a good customer is applied. Is possible.
[0039]
In addition, when the purchase target product is included by including in the transaction information generated by the store RW device 21 a value that can clearly distinguish whether a specific product such as a promotion campaign target product has been purchased. It is also possible to implement a point addition rule such as doubling the point addition. For example, such a point system can be realized by the store RW device 21 providing data including the JAN code of the purchased product as the content data of the transaction information.
[0040]
Next, the point up system 2 which concerns on the 2nd Embodiment of this invention is demonstrated.
FIG. 9 is a block diagram illustrating the overall operational flow of the second embodiment. First, the IC card 10 before registering the point application is installed in the data memory 15 by the IC card read / write device (hereinafter referred to as store RW device) 22a of the store with an execution format program that operates as the point management means 19. At the same time, the identification information of the user (card holder) and the information that proves the validity of the card are also recorded in the data memory 15. The store RW apparatus 22a in FIG. 9 represents the RW apparatus 22 having a function necessary for such registration. The IC card in which necessary programs and data are registered in this way becomes the IC point card 12. In the first embodiment, the IC point card 11 is equipped with the point totaling means 18 to perform the point addition processing inside the IC card. On the other hand, in the second embodiment, the IC point card 11 The card 12 only appropriately manages the point value (a plurality of point values corresponding to a plurality of point systems), and the point addition process itself is performed on the store RW device 22 side.
[0041]
Each of FIGS. 4 to 7 is a flowchart for explaining the exchange of data and the flow of processing between the store RW device 22 and the IC point card 12. The operation of the point-up system 2 according to the second embodiment of the present invention will be described below with reference to these drawings.
[0042]
When the IC point card 12 is inserted into the RW device 22, first, the RW device 22 issues a command for checking the validity of the card (S40). In response to this command, the IC point card 12 returns data proving validity (S60). Next, the RW device 22 issues a command instructing to perform a point application (S42). The operations so far are the same as the corresponding processing steps in FIG. The IC point card 12 receives this command and performs initialization necessary for executing the point management means 19 (S62). Next, the RW device 22 creates a control flag, transaction content information, and a point system identification number according to the product and the amount of money purchased by the card owner at the store, and transmits them to the IC point card 12 (S44).
[0043]
Here, the transaction content information is information including the purchase amount and the content as in the case of the point-up system 1 (Embodiment 1). The control flag is a flag that specifies one of a case where point addition is performed immediately (addition), a case where point addition with a time difference is performed (hold), and a case where points are added based on the held information (entrance). This is also a flag having the same meaning as in the first embodiment. The point system identification number is an identification number that identifies a point system handled by a store that currently uses the RW device 22. The IC point card 12 manages a plurality of point values corresponding to a plurality of point systems with one card.
[0044]
The IC point card 12 receives a control flag, transaction content information, and a point system identification number (S64). When the control flag is “addition”, as shown in FIG. 5, the accumulated point value designated by the point system identification number is immediately sent to the RW device 22 as the current point value (S66). The RW device 22 calculates an additional point value from the amount of money purchased by the customer and purchase details, and adds it to the point value (S48). Then, a new point value is sent to the IC point card 12 (S50).
The IC point card 12 receives the new point value and overwrites the original point value storage area (S68). Then, the RW device 22 is notified that the point update processing is completed (S70), and a series of processing is completed (S52). In the case of “addition”, transaction content information is not necessary in the information sent to the IC point card 12 in step S44, and may be invalid data or omitted.
[0045]
When the control flag is “pending”, as shown in FIG. 6, the received transaction content information and the point system identification number are temporarily stored in an appropriate area of the data memory 15 (S67). Then, an end notification is returned to the RW device 22 (S69), and a series of processing ends (S52).
[0046]
If the control flag is “entrance”, as shown in FIG. 7, the purchase amount etc. are required from the accumulated point value specified by the point system identification number and the temporarily stored information that matches the received transaction details. Data is sent to the RW device 22 (S65). The RW device receives the data (S47), calculates the addition points (S49), and sends the new accumulated point value to the IC point card 12 (S50).
The IC point card 12 receives the new point value and overwrites the original point value storage area (S68). Then, the RW device 22 is notified that the point update processing is completed (S70), and a series of processing is completed (S52). It should be noted that the transaction amount information sent to the IC point card 12 at the time of “entrance” does not include valid amount data. Only the information necessary for specifying the pending transaction content is notified to the IC point card 12.
[0047]
After step S52, the RW device 22 ejects the card 12 (S18) and ends the series of processes. The processing in steps S64 to S70 described above is the operation performed by the point management means 19.
[0048]
Returning to FIG. If the IC point card 12 equipped with the point management means 19 as described above is used, it is possible to temporarily store information necessary to purchase points at a store and immediately add points, and to add points with a time difference. In addition, the point-up system 2 having the same characteristics as the point-up system 1 such as executing point addition based on the reserved information is realized. FIG. 9 shows the flow of such a point-up system. The owner of the IC point card 12 repeatedly purchases a product at the store, purchases a ticket, and enters the event venue. When a certain number of points are accumulated, the store RW device 22e (RW terminal 22 with a point clear function) is used. A certain number of points can be exchanged for gift certificates or other benefits.
[0049]
The point up system 1 and the point up system 2 are compared. In the point-up system 1, since the point totaling process is performed inside the IC card, the point-up support processing function of the RW device 21 may be simple. Depending on the function of the point-up totaling means 18 inside the IC card, various and detailed point-up systems can be realized. However, if it is desired to change the point addition rule after creating the card, it is necessary to rewrite the program or data of the card 11 by some method. On the other hand, in the point-up system 2, when the point addition rule is changed for a limited time for a one-time promotional campaign, it is only necessary to change the software of the store RW device 22, and any change is made to the customer's card. There is no need to apply. This is convenient for small shops. Further, since the IC point card 12 manages a plurality of point values by each point system, a point return rate (standard purchase amount required for one point) can be freely set for each store.
[0050]
The IC point card 12 can execute various point addition rules depending on the software of the store RW device 22. Like the point-up system 1, a flag indicating “addition + hold” is added to the control flag, points are added at the time of purchase, and points are also added when this card receives the “admission” control flag. It can also be realized. What is necessary is just to comprise the store RW apparatus 22 and the point management means of the IC point card 12 as such. Alternatively, in addition to the owner identification number, an attribute of the card owner such as age and gender is entered in the IC point card 12, and the RW device 22 obtains these attribute data when checking the validity of the card. Depending on the software of the store RW device 22, the point addition rule can be changed according to the attribute of the cardholder.
[0051]
Next, a point-up system 3 according to the third embodiment of the present invention will be described. FIG. 10 is a schematic diagram of the point-up system 3. The point-up system 3 is a point-up system in which the mobile phone terminal 90 equipped with the IC point card 11 or 12 is also adapted to purchase products on the network. The mobile phone terminal 90 is actually mounted with an IC card (hereinafter referred to as a mini IC card) 11e or 12e having a size smaller than that of a normal IC card. 11e or 12e becomes an IC point card 11 or 12 of a normal IC card size by being attached to an adapter card.
[0052]
A mini IC card and an adapter card for using the mini IC card as a normal IC card size are existing technologies. For example, Japanese Patent Application Laid-Open No. 10-143570 discloses a detailed description together with an external view. Or you may use the card | curd called a SIM (Subscriber Identify Module) card as a mini IC card.
[0053]
Mobile communication services that can access the Internet from a mobile phone have been firmly established as commercial services. The mobile phone service company installs a gateway 110 between the mobile phone data line network 100 and the Internet 200, and provides the above service by performing protocol conversion between the Internet and the mobile phone data line network. . By using this service, a mobile phone user can access a website on the Internet from a mobile phone and obtain various information. Depending on the functions installed in the mobile phone, it is possible to purchase products on the Internet and to make electronic payments.
[0054]
FIG. 11 is a diagram for explaining a mobile phone terminal 90 used in the point-up system 3. The mobile phone terminal 90 includes a mini IC card adapter, and includes a Web terminal unit 913 that emulates the operation of a Web browser by connecting to the Internet, a user authentication unit 910 for authenticating a user, and a point display unit 912. Further, when 11e is used as an IC point card, a point-up support unit 911 is installed in order to realize a function corresponding to the RW terminal device 21 in the mobile phone terminal. Alternatively, when using 12e as an IC point card, a point-up execution unit 914 is installed in order to realize a function corresponding to the RW terminal device 22 in the mobile phone terminal.
[0055]
Next, the flow of processing when purchasing a product at a store on the Internet using a mobile phone terminal connected to the IC point card 11e or 12e will be described with reference to the flowchart of FIG. In the following, FIG. 12 will be described assuming a case where a ticket for watching sports or performing music is purchased.
[0056]
First, the user accesses the center server 201 of the store by transmitting a URL stored in the mobile phone terminal 90. The center server 201 guides various event information (S200). The user searches for desired information (S100) and makes a ticket purchase application (S103). Such an operation can be performed by using the Web terminal means 913, in which the button operation of the mobile phone terminal substitutes the computer key operation and the mouse operation. Upon receiving the purchase application message, the center server 201 requests to send certification information (card registration information) indicating the validity of the card (S203).
[0057]
When the mobile phone terminal 90 receives the above request, the authentication support means 910 causes the mini IC to send a command message (same as the command issued by the card RW device 21 or 22 in step S10) for checking the validity of the IC point card. Issued to the card 11e or 12e, the response data to this command is encrypted (scrambled) by a predetermined method, etc., and transferred to the communication center server 201 on the data communication protocol of the mobile phone (S106). Card registration information is information recorded by a card issuer (a store, a collection of a plurality of stores, etc.) at the time of card creation, and is an identification number of a cardholder or personal information (name, address, telephone number, etc.). The center server 201 receives the information, decrypts it, and checks the validity of the card and the registered card holder (S206). This process is the same as the process performed by the card RW device 21 or 22 in step S10.
[0058]
If it is determined in step S206 that the card is valid, the center server 201 next requests personal authentication information such as a password in order to confirm whether the applicant is the person registered in the card (S209). ). The user inputs a personal identification number or the like on the mobile phone terminal, and the authentication support means 910 encrypts (scrambles) it and sends it to the center server 201 (S109). Thereafter, the point-up support unit 911 or the point execution unit 914 is activated and issues a command for instructing the IC point card to perform a point application by its function (S110). The center server 201 decrypts the accepted password and confirms the password by some method. For example, if the customer's password is recorded in the card registration information obtained earlier, it is verified. Or, it is checked against a customer database in which a customer password is recorded. If the identity is confirmed, the center server 201 transmits ticket transaction information to the mobile phone terminal (S215). The mobile phone terminal receives ticket transaction information (S115).
[0059]
In the case of a point-up system using the IC point card 11, the received transaction information is transferred to the IC point card 11 similarly to step S14 by the function of the point-up support means 911, and the processing result of the card 11 is transferred to step S16. (S118). The IC point card 11 performs the processing of steps S24 to S29, and appropriately updates the contents of the card 11 according to the control flag.
[0060]
In the case of a point-up system using the IC point card 12, the control flag, transaction content information, and point system identification to be sent to the IC point card 12 based on the received transaction information by the function of the point-up execution means 914 Number data is prepared and transferred to the IC point card 12. After that, according to the control flag, the point-up execution unit 914 and the IC point card 12 perform any one of the processes of FIG. 5, FIG. 6, and FIG. 7 as in the case of the point-up system 2 (Embodiment 2) (S119). . Here, the point-up execution means 914 performs necessary processing such as point addition processing (S48, S49) instead of the RW device 22.
[0061]
The above explanation is based on the assumption that the card was issued by the store. Note that the point-up system 3 of the present invention can also cope with the case where the card is not a simple point card but a credit card or a debit card and electronic payment is used. In that case, each step from S203 to S218 in FIG. 12 needs to comply with the electronic payment service technology to be employed. In particular, step S206 is a meaningful processing step for determining whether or not to provide credit to the card, and it may be accompanied by a processing step for inquiring on the network to a settlement agency. In any case, it is only related to the center server side, and the device configuration and functions required for the mobile phone terminal 90 are not changed. However, a part of the electronic wallet program for mobile phone terminals, which is client-side software provided by the electronic payment service technology to be adopted, will correspond to the authentication support means 910 described here.
[0062]
In the final step S218, if it is not electronic payment, the store issues an invoice to the purchaser and encloses the transfer paper and mails it. You will be billed to a credit company or bank.
[0063]
If an authentication support means 910, a point-up support means 911 or a point-up execution means 914, and a point display means 912 that operate on this computer are mounted on a computer 80 equipped with an IC card adapter and a Web browser, for example, the customer's home Thus, it is also possible to purchase a product by accessing the center server 201 from a customer-owned computer via the Internet and point it up to the IC card 11 or 12.
[0064]
If the mobile phone terminal is equipped with Java, which is one of the application program execution environments, various functions can be loaded on the mobile phone terminal by downloading a program (applet) created with Java through the network. For example, by downloading the point-up addition means 914 and the point display means 912 created as a Java applet through the network, participation registration in the point-up system using the IC point card 12 becomes possible through the network. Further, by downloading the point-up addition means 914 as necessary, it is possible to correspond to a point addition rule corresponding to a limited-time sales promotion campaign.
[0065]
FIG. 13 is a diagram for explaining a variation of the embodiment of the point-up system 3. 11f is a card obtained by adding a summing means updating means 181 to the mini IC point card 11e. The mobile phone terminal 91 is a mobile phone terminal equipped with a program execution environment Java. In addition to the user authentication means 910, the point-up support means 911, the point display means 912, and the Web terminal means 913, the second download means 915 is installed. Has been. The second download means 915 is provided for transferring program data to be loaded on the IC point card 11 downloaded through the network to the IC point card 11. The second download means 915 operates in cooperation with the summation means update means 181 to transfer the program data to the IC point card 11. The summing means updating means 181 performs appropriate settings so that the received program data will operate instead of the program that executes the conventional point summing and summing means.
[0066]
If the mobile phone terminal 91 and the mini IC point card 11f having such a configuration are used, participation registration in the point up system using the IC point card 11 can be performed through the network. In addition, by downloading new program data as required by the mobile phone terminal 91, it is possible to install the new program data in the mini IC point card 11f so as to correspond to the point addition rule corresponding to the sales promotion campaign.
[0067]
A computer 80 having an IC card adapter and a Web browser, and equipped with authentication support means 910, point-up support means 911 or point-up execution means 914, and point display means 912, further includes a Java program execution environment and second download means 915. Can be downloaded to the center server 201 via the Internet and a program (Java applet) that realizes these means can be downloaded. For example, on a customer-owned computer at the customer's home, It is also possible to register for a new point system and change point rules.
[0068]
FIG. 14 shows a mobile phone terminal 92 equipped with only point display means 912.
The point display means 912 records the RW device 21 or 22 on the card when the mini IC point card 11e, 11f or 12e is inserted or when the number defined by the button 902 is designated in the already inserted state. A command message that is the same as the command message that is issued when the point value is read is issued, and the result is displayed on the display 901 of the mobile phone. When an IC card or a magnetic card is used as a point card, there is a drawback that the number of points cannot be easily confirmed, but the mobile phone terminal 92 eliminates such inconvenience.
[0069]
【The invention's effect】
As described above in detail with reference to the three embodiments, according to the IC point card and the point-up system using the IC point card according to the present invention, in order to bring out the customer's purchasing motivation, according to customer attributes such as age and gender. Change these point addition rules for each store or for a limited time, such as changing the point addition rules, changing the point addition rules according to the product to be purchased, or adding points with a time difference. It is possible to provide a point system that can be operated flexibly and finely so that it can respond to various tastes and needs of customers and sales promotion plans on the store side.
[0070]
In addition, it is possible to provide a point-up system capable of performing point registration associated with point system registration and product purchase from a mobile phone terminal through a network. Such a convenient point system that effectively uses the development of the mobile communication infrastructure in recent years can respond to the new needs of customers in detail, so that the effect of fixing the customers can be greatly expected.
[Brief description of the drawings]
FIG. 1 is a configuration diagram of an IC card.
FIG. 2 is an IC card processing flowchart.
FIG. 3 is an operation flowchart of an IC card and a card reader / writer device.
FIG. 4 is an operation flowchart of the IC card and the card reader / writer device.
FIG. 5 is an operation flowchart of the IC card and the card reader / writer device.
FIG. 6 is an operation flowchart of an IC card and a card reader / writer device.
FIG. 7 is an operation flowchart of the IC card and the card reader / writer device.
FIG. 8 is a schematic diagram of the point-up system 1;
9 is a schematic diagram of the point-up system 2. FIG.
10 is a schematic diagram of a point-up system 3. FIG.
FIG. 11 is a configuration diagram of a mobile phone terminal.
FIG. 12 is an operation flowchart of the mobile phone terminal and the center server.
FIG. 13 is a configuration diagram of a mobile phone terminal.
FIG. 14 is a configuration diagram of a mobile phone terminal.
[Explanation of symbols]
10 IC card
11 IC point card for Point Up System 1
12 IC point card for Point Up System 2
18 points total counting means
181 Summing means updating means
19 point management means
20 Card reader / writer device
21 Card reader / writer device
22 Card reader / writer device
80 computers
90 Mobile phone terminals
91 Mobile phone terminal
92 Mobile phone terminals
100 Cellular phone data network
110 Gateway between mobile phone data network and the Internet
111 Mobile phone base station
200 Internet
201 Center server
910 Authentication support means
911 point up support means
912 point display means
913 Web terminal means
914 point up addition means
915 Second download means

Claims (1)

The points given according to the purchase price of the product at the store are used as a point card that accumulates in the data memory, and at least the card owner identification information and the information that proves the validity of the card are stored in the data memory. A stored IC card,
When the user purchases a product by presenting the IC card to the data memory of the IC card, the transaction content information indicating the purchase amount and the like from the reader / writer device and the point addition information for identifying the point addition rule are received, Based on the transaction content information, an executable program is installed that operates as a point totaling means for calculating accumulated points according to the point addition rule specified by the point addition information,
The point addition information is calculated based on the amount data of transaction content information according to the point addition rule specified in the point addition information, and this is added to the accumulated points recorded in the data memory. Immediately add a point to the new accumulated points, or perform a pending point addition process that temporarily records the received transaction information and point addition information in an appropriate area of the data memory. Search the data memory using the contents contained in the transaction content information as a clue, read the transaction content information and the point addition information temporarily recorded when the pending point addition processing was performed, and based on these information Includes a control flag part that specifies whether to perform point addition processing for admission to obtain new accumulated points. ,
The point sum totaling means requests that the point addition information perform the immediate point addition processing when the IC card receives transaction content information and the point addition information from a reader / writer device. At that time, based on the transaction content information on the spot, the current addition point is calculated according to the point addition rule specified by the point addition information, and this is used as the accumulated point recorded in the data memory, and the point addition is performed. When the information requests to perform the pending point addition process, the point addition information and the transaction content information are once recorded in the data memory of the IC card, and the reader / writer indicates that the pending process is completed. Process to notify the device, the point addition information is the point addition process of the entrance When a request for the Ukoto is characterized in that to calculate the cumulative points based on the received dealings traded was stored in the data memory of the IC card corresponding to the content information content information and point addition information IC card.

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