JP5253861B2 - Usage details creation support apparatus, usage details creation support method, and usage details creation support program - Google Patents

Description

  The present invention relates to a usage statement creation support apparatus, a usage statement creation support method, and a usage statement creation support program that support creation of a usage statement of a card.

  The credit card usage details are issued every predetermined period such as one month. The billing amount described in the usage details is withdrawn from a withdrawal account corresponding to a predetermined date. The billed amount is automatically withdrawn by depositing money into the withdrawal account by the date of withdrawal after the user receives the usage details (see, for example, Patent Document 1 below).

  In recent years, even when a payment procedure is performed in a lump sum at a credit card settlement, such as at a store, the payment can be made in installments (hereinafter referred to as “installment payments”) or revolving payments (hereinafter referred to as “revolving payments”). There are services that can be changed. The service for changing to installment payment or revolving payment is made available by making an application by a predetermined date preceding the payment date.

  Further, in recent years, there is a service for enclosing a pamphlet or the like in which a guide for a privilege for a credit card user such as a concert or shopping preferential treatment is included in a usage statement. In many cases, a value is added to the use of a credit card by providing a privilege to the user through a pamphlet enclosed with the usage statement.

JP 2004-62233 A

  However, with the above-described conventional technology, usage details are issued in a uniform order, so depending on the user, the period from receipt of the usage details to the withdrawal date is short, and payment to the withdrawal account is not in time. In some cases, the transfer procedure was delayed due to the fact that it was not possible to withdraw because the procedure for changing to installment payment or revolving payment was not in time.

  In addition, in the conventional technology described above, usage details are issued in a uniform order, so some users cannot use the service because the time until the expiration date of the service enclosed in the usage specification is short. At the time of receipt of the statement, the service capacity of the desired service may be satisfied and the service may not be used.

  The present invention eliminates the problems caused by the prior art described above, and facilitates the transfer procedure and improves the convenience of the customer who uses the card, and the usage specification creation support device and usage specification creation support. It is an object to provide a method and a usage statement creation support program.

  In order to solve the above-described problems and achieve the object, a usage specification creation support apparatus according to the present invention is a usage specification creation support device that supports creation of a usage specification of a card, and stores customer information for each customer. A customer information database, a usage history information database that stores usage history information related to the usage history of the card for each customer, an issuance condition information database that stores information about conditions for determining the priority of the usage details creation process, Or a connection via a network, extracting customer information from the customer information database, usage history information from the usage history information database for each customer, and information extracted by the extraction means Using information on conditions extracted from the issuance condition information database, Determining means for determining a serial priority of said usage details creation processing for each customer, characterized by comprising a.

  According to the present invention, the usage details can be created and sent in the order according to the determined priority, so even if there is no application for early receipt from the customer, the condition for determining the priority is met. Card usage history can be preferentially guided to customers (users) who have usage history.

  Further, in the above-mentioned invention, the usage specification creation support apparatus according to the present invention is characterized in that the extraction means extracts information on a predetermined payment amount determined in advance by a customer from the customer information database, and the usage history information database. The amount of information to be described in the usage details is extracted, and the determination unit determines the priority of the customer whose total amount of information relating to the information extracted by the extraction unit exceeds the extracted predetermined payment amount The degree of the amount information extracted by the extracting means is higher than the priority of the customer who does not exceed the extracted predetermined payment amount. According to this invention, even when there is no application for early receipt from a customer, the card usage history can be preferentially guided to a customer who has a usage history exceeding a predetermined payment amount.

  In addition, in the above-described invention, the usage specification creation support apparatus according to the present invention is characterized in that the predetermined payment amount is a set amount in installment payment or revolving payment. According to the present invention, the card usage history can be preferentially guided to a customer who may be changed to installment payment or revolving payment.

  The usage specification creation support device according to the present invention is a usage specification creation support device that supports the creation of a usage specification of a card, and a customer information database that stores customer information for each customer, and the card for each customer. A usage history information database that stores usage history information related to the usage history of the user, and an issuance condition information database that stores information related to conditions for determining the priority of the creation process of usage details, or can be connected via a network, An extracting means for extracting a customer satisfying a predetermined condition in customer information from the customer information database, a customer satisfying a predetermined condition in the use history information from the use history information database, and a customer extracted by the extracting means; In order for the above priorities to be different from those of customers who have not been extracted, Characterized by comprising determination means for determining the priority of the creation process the usage details, and. According to the present invention, even when there is no application for early receipt from the customer, the card usage history can be preferentially guided to the customer for whom early usage history reception is effective.

  Also, in the above-described invention, the usage specification creation support apparatus according to the present invention is such that the extraction unit extracts a customer who uses a predetermined financial institution from the customer information database for payment, and the determination unit includes the extraction unit. The priority of the customer extracted by (1) is set higher than the priority of the customer not extracted. According to this invention, even when there is no application for early receipt from a customer, for example, a card usage history can be preferentially guided to a customer who uses a financial institution whose closing date is early in a month.

  Further, in the usage specification creation support apparatus according to the present invention, in the above invention, the extraction means extracts a customer who uses a predetermined member store from the usage history information database, and the determination means uses the extraction means. The priority of the extracted customer is set higher than the priority of the customer not extracted. According to the present invention, it is possible to preferentially guide the card usage history to a customer who uses a predetermined member store without bothering the customer in the application procedure for early receipt.

  Also, in the above-mentioned invention, the usage specification creation support apparatus according to the present invention is the card based on the catalog enclosed by the extraction means when the usage details are shipped from the customer information database or the usage history information database. And the determining means raises the priority of the customer extracted by the extracting means higher than the priority of the customer not extracted. According to the present invention, it is possible to preferentially guide the card usage history to a customer who uses a card based on the catalog without bothering the customer in the application procedure for early receipt.

  In addition, a usage statement creation support method according to the present invention includes a customer information database that stores customer information for each customer, a usage history information database that stores usage history information related to the card usage history for each customer, An issuance condition information database for storing information relating to conditions for determining the priority of creation processing, or can be connected via a network, and supports the creation of the card usage details including extraction means and decision means A usage statement creation support method for use in a usage statement creation support device, wherein the extraction means extracts customer information from the customer information database and usage history information from the usage history information database for each customer. And the determination means uses the information extracted by the extraction step to generate the issuance condition information. Based on the information about the condition extracted from the database, characterized in that it contains, a determination step of determining a priority of the process of creating the use details for each of the customer.

  According to the present invention, the usage details can be created and sent in the order according to the determined priority, so even if there is no application for early receipt from the customer, the condition for determining the priority is met. Card usage history can be preferentially guided to customers (users) who have usage history.

  In addition, a usage statement creation support method according to the present invention includes a customer information database that stores customer information for each customer, a usage history information database that stores usage history information related to the card usage history for each customer, An issuance condition information database for storing information relating to conditions for determining the priority of creation processing, or can be connected via a network, and supports the creation of the card usage details including extraction means and decision means A usage statement creation support method for use in a usage statement creation support device, wherein the extraction means selects a customer who satisfies a predetermined condition in customer information from the customer information database, and a predetermined customer in usage history information from the usage history information database. The extraction process for extracting each customer satisfying the conditions and the determination means include the extraction process And a determination step of determining a priority of the creation of the usage details for each of the customers so that the priority is different between the customers extracted by the customer and the customers not extracted. To do. According to the present invention, even when there is no application for early receipt from the customer, the card usage history can be preferentially guided to the customer for whom early usage history reception is effective.

  According to another aspect of the present invention, there is provided a use detail creation support program that causes a computer to execute the use detail creation support method described above. According to the present invention, even when there is no application for early receipt from the customer, the card usage history can be preferentially guided to the customer for whom early usage history reception is effective.

  According to the usage specification creation support apparatus, usage specification creation support method, and usage specification creation support program according to the present invention, even when there is no application for early receipt from the customer, the usage history corresponding to the condition for determining the priority level Card usage history can be preferentially guided to certain customers (users), so payment to the withdrawal account and change of payment method without bothering the customer for early receipt application procedures, etc. There is an effect that the customer's time required for such as can be secured. As a result, the transfer procedure can be facilitated and the convenience of the customer regarding the use of the card can be improved without bothering the customer in the application procedure for early receipt.

  Exemplary embodiments of a usage specification creation support apparatus, a usage specification creation support method, and a usage specification creation support program according to the present invention will be described below in detail with reference to the accompanying drawings.

(System configuration of the card system)
First, a system configuration of a card system including a usage specification creation support apparatus according to an embodiment of the present invention will be described. FIG. 1 is an explanatory diagram showing a system configuration of a card system according to an embodiment of the present invention.

  In FIG. 1, a card system 100 according to an embodiment of the present invention includes a customer terminal device 101, a store terminal device 102, a bank terminal device 103, and a usage statement creation support device 104. . The customer terminal device 101, the store terminal device 102, the bank terminal device 103, and the usage statement creation support device 104 are connected to a network 105 such as the Internet. The usage specification creation support device 104 can communicate with the customer terminal device 101, the store terminal device 102, and the bank terminal device 103 via the network 105.

  In the card system 100, the customer terminal device 101 is realized by a computer device (see FIG. 2) that controls the interface between the customer and the card system 100, accepts customer operations, and displays information according to accepted operations. The The customer terminal device 101 can be realized by a personal computer, for example. The customer terminal device 101 may be realized by a mobile phone. The customer terminal device 101 communicates with the store terminal device 102 when, for example, a customer purchases a product using online shopping.

  The store terminal device 102 is a computer device (see FIG. 2) installed in a store where card payment is introduced, for example, and performs store-side payment processing when a predetermined operation is performed. The store terminal device 102 transmits a payment request including payment amount information, card information, and payment information to the usage specification creation support device 104 during payment processing, and the payment request is received from the usage specification creation support device 104 as a result. A settlement slip is issued based on the information. Since the store-side payment process is a known technique, its description is omitted here.

  The payment amount information is information that can specify the amount of money for card payment, and is specifically realized by numerical information representing the amount of money for card payment, for example. The card information is information that can identify a user (customer) of a card used for card payment, and is specifically realized by, for example, a credit card number. The payment information is information for specifying a payment method, and is specifically realized by information for specifying “lump sum payment”, “installment payment”, “revolving payment”, and the like. In the case of installment payment, the payment information includes information for specifying the number of installments.

  Further, the store terminal device 102 is a computer device (see FIG. 2) that operates, for example, an online shopping service site. When the store terminal device 102 receives a purchase request transmitted from the customer terminal device 101, the store terminal device 102 performs store-side settlement processing. Do it. The store terminal device 102 transmits a payment request including order information, card information, and payment information to the usage specification creation support device 104 during payment processing, and the payment received from the usage specification creation support device 104 as a result of transmitting the payment request. The result is transmitted to the customer terminal device 101.

  The order information includes product identification information and information for specifying the number of products to be purchased. As the product identification information, a management number set in advance for each product on the Internet shopping service site can be used. Since the store-side payment process is a known technique, its description is omitted here.

  The bank terminal device 103 is a computer device installed in a bank provided with a debit account for card settlement, and includes an account information database (DB) 106 that stores account identification information, balance information, and the like for each customer. . The bank terminal device 103 communicates with the usage statement creation support device 104 to transfer the settlement amount between the corresponding customer account and an account of a company or the like that manages the usage statement creation support device 104. Since the settlement amount transfer process is a known technique, a description thereof will be omitted.

  The usage specification creation support apparatus 104 performs a settlement procedure based on the settlement request received from the store terminal apparatus 102 and transmits the result of the settlement process to the store terminal apparatus 102. The settlement process is performed using various information stored in the customer information database (DB) 110, the usage history information database (DB) 120, and the issue condition information database (DB) 130. The customer information DB 110, the usage history information DB 120, and the issue condition information DB 130 will be described later (see FIGS. 3, 4, and 5).

  The payment process is performed based on the customer's usage frame specified by the card information, the usage amount for the current month, the payment target amount, and the like. Since the payment process performed by the usage statement creation support apparatus 104 is a known technique, a description thereof will be omitted.

(Hardware configuration of computer device)
Next, a hardware configuration of the computer apparatus according to the embodiment of the present invention will be described. FIG. 2 is a block diagram illustrating a hardware configuration of the computer apparatus. The computer device 200 illustrated in FIG. 2 implements a usage statement creation support device 104, a customer terminal device 101, a store terminal device 102, and a bank terminal device 103.

  In FIG. 2, a computer apparatus 200 includes a CPU 201, ROM 202, RAM 203, HDD (hard disk drive) 204, HD (hard disk) 205, FDD (floppy (registered trademark) disk drive) 206, and removable recording. An FD (floppy disk) 207 as an example of a medium and a network I / F (interface) 208 are provided. Each component is connected by a bus 209.

  The CPU 201 controls the entire computer device 200. The ROM 202 stores a program such as a boot program. The RAM 203 is used as a work area for the CPU 201. The HDD 204 controls data read / write with respect to the HD 205 according to the control of the CPU 201. The HD 205 stores data written under the control of the HDD 204.

  The FDD 206 controls reading / writing of data with respect to the FD 207 according to the control of the CPU 201. The FD 207 stores data written under the control of the FDD 206. In addition to the FD 207, the removable recording medium may be a CD-ROM (CD-RW), MO, DVD (Digital Versatile Disk), or the like.

  The network I / F 208 is connected to the network 105 through a communication line, and is connected to an external device such as the customer terminal device 101 via the network 105. The network I / F 208 controls an interface between the network 105 and the inside, and controls data input / output from the computer apparatus 200.

  The computer apparatus 200 may further include a display, a KB, a mouse, a scanner, and a printer. The display displays a window (browser) related to data such as a document, an image, and function information as well as a cursor, an icon, a tool box, and can be realized by a CRT, a TFT liquid crystal display, a plasma display, or the like.

  The KB includes keys for inputting characters, numerical values, various instructions, etc., and performs data input. The mouse moves the cursor, selects a range, or moves and changes the size of the window. As long as it has the same function as a pointing device, a trackball, a joystick, etc. may be used instead of or in addition to the mouse.

  The scanner optically reads an image. The printer prints image data and document data, and can be realized by a laser printer, an ink jet printer, or the like. The display, KB, mouse, scanner, and printer can be easily realized by using known techniques, and are not shown.

  Next, an example of the customer information DB 110 will be described. FIG. 3 is an explanatory diagram illustrating an example of the customer information DB 110. In FIG. 3, the customer information DB 110 stores customer information for each customer. The customer information is information about the customer such as the customer's name, customer's gender, destination of usage details, payment terms, financial institution, service usage history, etc. The customer information DB 110 stores information about these customers for each credit card number. I remember it.

  The payment terms indicate whether or not installment payments are used or the limit amount when installment payments are used. The payment condition indicates whether or not revolving payment is used, or when revolving payment is used. Payment methods include “lump sum payment”, “installment payment”, “revolving payment”, etc., which are specified by the user when using a credit card. The payment conditions specify conditions when installment payment or revolving payment is designated as the payment method.

  Installment payment is a payment method in which the usage amount (including a fee if necessary) in one settlement is divided into the number of payments specified by the customer and the set amount in installment payments is calculated by dividing the usage amount by the number of payments. Is done. The number of payments may be any number selected by the customer from preset numbers such as “3 times”, “6 times”, and “12 times”, for example, by a credit card issuing company. it can. In installment payment, a limit of use (division use frame) is set, and when installment payment is designated as a payment method, the deduction is made within the range of the installment use frame.

  Revolving payment is a payment method that pays a fixed amount every month regardless of the usage amount (including fees if necessary) and the number of usages per month. It is set for each customer by a credit card issuing company.

  The information relating to the financial institution can be information that can identify the financial institution in which a debit account used by the customer for payment is provided. The financial institution is specified by the name of the financial institution or the identification code of the financial institution such as “XX bank”, “XX bank”, “ΔΔ Shinkin bank”.

  Information related to service usage history is information indicating whether or not the card has been used based on the catalog enclosed when sending out the usage details. For example, information such as the number of times used, the date and time of the last use, and the presence or absence of inquiries about the service It can be. The catalog enclosed when sending out the usage statement is a publication that describes benefits such as discounts when using cards and priority reservations that require paying event tickets for concerts etc. with credit cards. Issued by the card issuer.

  The customer information DB 110 stores the expiration date of the credit card for each credit card number. In the settlement process, the reliability of the settlement process can be improved by confirming the expiration date of the credit card in addition to confirming the credit card number itself.

  Next, an example of the usage history information DB 120 will be described. FIG. 4 is an explanatory diagram showing an example of the usage history information DB 120. In FIG. 4, the usage history information DB 120 stores usage history information related to the usage history of credit cards for each customer. The usage history information is information related to the usage history of the credit card, such as the usage date and time of the credit card, the usage amount, the usage store, the payment method, and the unpaid balance, and the usage history information DB 120 stores the information related to the settlement for each credit card number. I remember it.

  The information about the stores used is information that can identify the stores used by the customer, and is specified by the store name such as “XX Department Store”, “Izakaya XX”, “ΔΔ Super”, and the like. The store is not limited to one having an actual store, and may be identification information of an online shopping service site such as “XX Internet shopping”.

  Moreover, the information regarding a use store may be the identification information provided for every store. The store identification information is set for each store, for example, by a credit card issuing company. Further, the information regarding the use store may be information that can specify the type of the store, and is expressed as “Department store”, “Restaurant”, “Mass store”, and the like.

  The payment method indicates a payment method designated by the customer at the time of settlement among the prescribed methods such as “lump sum payment”, “installment payment”, and “revolving payment”. The payment method can be changed up to a predetermined date before the scheduled withdrawal date even after settlement. The change is made when there is an application from a customer.

  Next, an example of the issue condition information DB 130 will be described. FIG. 5 is an explanatory diagram showing an example of the issue condition information DB 130. In FIG. 5, the issue condition information DB 130 stores information (hereinafter referred to as “issue condition”) regarding conditions for determining the priority of the usage details creation process. The issuance condition may be, for example, whether or not there is a usage frame for installment payment or revolving payment.

  The issuance conditions may be determined based on an amount set as a usage frame for installment payment or revolving payment (hereinafter referred to as “set amount”) and an amount to be described in the usage details. The amount to be described in the usage statement is the usage amount within the period specified based on the closing date. For example, if the closing date is “10th of every month”, the usage statement issuance month from the 11th month before the usage statement issuance month The amount used within the period up to 10 days.

  In this case, the determination unit determines the priority order for issuing the usage details based on the difference between the total amount of money to be described in the usage details and the set amount. Specifically, for example, the sum of the amounts to be listed in the usage details exceeds the set amount (indicated as “plus difference” in FIG. 5). The total amount does not exceed the set amount (described as “minus difference” in FIG. 5), and the priority is determined so as to be higher than the priority of the customer.

  Further, the issuance conditions can be, for example, the type of financial institution used by the customer for payment. Some financial institutions have an earlier closing date. In this embodiment, a financial institution whose closing date is earlier than that of other financial institutions is a predetermined financial institution. Specifically, for example, when the financial institution provided with the account for withdrawal is a financial institution with an early closing date, the priority is determined so as to be higher than the priorities of customers using other financial institutions.

  Further, the issuance condition may be, for example, the type of store used by the customer. The type of store is specified as “Department store”, “Restaurant”, “Mass store”, and the like. Further, the issue condition may be, for example, whether or not the store used by the customer is a predetermined store. In this embodiment, a store affiliated with a specific group or a specific store designated in advance is set as a predetermined affiliate store.

  The fee (fee rate) paid to the credit card company from the store (member store) that allows payment by credit card differs depending on the member store. In this embodiment, the credit card is different from other member stores. A merchant with a high commission (fee rate) paid to the company is designated as a designated merchant.

  Further, the issuing condition may be whether or not the card is used based on the catalog enclosed when the usage details are shipped. The catalog enclosed when sending out the usage statement is a publication that describes benefits such as discounts when using cards and priority reservations that require paying event tickets for concerts etc. with credit cards. Issued by the card issuer.

(Functional Configuration of Usage Detail Creation Support Device 104)
Next, a functional configuration of the usage specification creation support apparatus 104 according to the embodiment of the present invention will be described. FIG. 6 is a block diagram showing a functional configuration of the usage specification creation support apparatus 104 according to the embodiment of the present invention. In FIG. 6, the usage specification creation support apparatus 104 according to the embodiment of the present invention includes a customer information DB 110, a usage history information DB 120, an issue condition information DB 130, an input unit 601, an extraction unit 602, and a determination unit 603. And an output unit 604.

  The input unit 601 accepts an input of a credit card usage specification creation start instruction. The creation start instruction is received, for example, when there is a predetermined input operation for the creation start instruction. The input unit 601 accepts a creation start instruction when the date and time counted by a timer included in the CPU 201 is the day after the closing date of the usage details, for example. The closing date of the usage statement is predetermined, for example, “10th of every month”, “26th of every month”, etc. If the closing date of the usage statement is “10th of every month”, it will be the 11th day of the usage statement issue month. Accept the creation start instruction at the time.

  The extraction unit 602 extracts customer information from the customer information DB 110 and usage history information from the usage history information DB 120 for each customer. For example, the extraction unit 602 extracts, as customer information, information related to a predetermined payment amount determined in advance by the customer from the customer information DB 110, and uses the usage history information from the usage history information DB 120 for the amount information to be described in the usage details. Extract as The predetermined payment amount can be a set amount in installment payments, for example. Further, the predetermined payment amount can be set as a set amount in revolving payment, for example.

  The determination unit 603 uses the information extracted by the extraction unit 602 to determine the priority of the usage details creation process for each customer based on information about the conditions extracted from the issuance condition information DB 130. When the extraction unit 602 extracts information related to a predetermined payment amount and the amount information to be described in the usage details, the determination unit 603 calculates the total amount of the extracted information according to the extracted predetermined payment amount. The priority is determined so that the total of the amount information extracted by the extraction unit 602 is higher than the priority of the customer who does not exceed the extracted predetermined payment amount.

  In addition, the extraction unit 602 may extract a customer that satisfies a predetermined condition in the customer information from the customer information DB 110 and a customer that satisfies a predetermined condition in the usage history information from the usage history information DB 120, respectively. In this case, for example, the extraction unit 602 extracts a customer who uses a predetermined financial institution from the customer information DB 110 as a customer that satisfies a predetermined condition.

  Further, in this case, the extraction unit 602 determines, for example, a customer who uses a predetermined member store from the usage history information DB 120 or a customer who uses a card based on a catalog enclosed at the time of use statement shipment, under a predetermined condition. You may extract as a customer to satisfy. A customer who uses a card based on the catalog can be a customer who uses the card by exercising benefits such as discounts and priority reservations described in the enclosed catalog when sending out the usage details.

  When a customer who satisfies a predetermined condition is extracted by the extraction unit 602, the determination unit 603 determines the priority for each customer so that the customer extracted by the extraction unit 602 and the customer not extracted have different priorities. Determine the priority of the usage details creation process. For example, the determination unit 603 determines the priority so that the priority of the customer extracted by the extraction unit 602 is higher than the priority of the customer not extracted. That is, the determination unit 603 determines the priority so that, for example, the priority of a customer who uses a card based on a catalog is higher than the priority of a customer who has not been extracted.

  The output unit 604 outputs information related to the priority of the usage specification creation process for each customer determined by the determination unit 603. The output unit 604 outputs information related to the priority of the usage specification creation processing for each customer, for example, to a printer that prints usage details. Further, the output unit 604 may output information related to the priority of the usage specification creation process for each customer to the computer device 200 connected via the network 105 and performing the usage specification creation processing.

  In this embodiment, the CPU 201 uses the RAM 203 as a work area by using various control programs stored in the storage areas such as the ROM 202, HD 205, and FD 207 and using various information stored in the ROM 202, HD 205, FD 207, and the like. By executing, the functions of the extraction unit 602 and the determination unit 603 can be realized. In this embodiment, the functions of the input unit 601 and the output unit 604 can be realized by the network I / F 208.

  The customer information DB 110, the usage history information DB 120, and the issuance condition information DB 130 are not limited to those in which the computer device 200 that implements the usage specification creation support device 104 is provided integrally or connected by wire. The customer information DB 110, the usage history information DB 120, and the issue condition information DB 130 may be another computer device 200 that can be connected to the computer device 200 that implements the usage specification creation support device 104 via the network 105.

  Next, a processing procedure of the usage specification creation support apparatus 104 according to the embodiment of the present invention will be described. FIG. 7 is a flowchart showing a processing procedure of the usage specification creation support apparatus 104 according to the embodiment of the present invention. In the flowchart of FIG. 7, first, the process waits until there is an instruction to start creating usage details (No in step S701).

  If there is a creation start instruction in step S701 (step S701: Yes), a customer who has used a credit card within the target period is specified (step S702), and issuance conditions are acquired from the issuance condition information DB 130 (step S701). S703). Then, based on the acquired issuance condition, it is determined whether the issuance condition is that the ribo usage frame is set (step S704).

  In step S704, if the issuance condition is that the revo use frame is set based on the issuance condition (step S704: Yes), the customer information having the rebo use frame among the customers specified in step S702 is changed to the customer information. In addition to extracting from the DB 110 (step S705), the description target amount information of the customer's usage details is extracted from the usage history information DB 120 (step S706).

  The order of execution of the process of step S705 and the process of step S706 may be reversed. In other words, if the issuance condition is that a ribo usage frame is set based on the issuance condition, the description target amount information of the customer usage details identified in step S702 is extracted, and then among the identified customers Customer information with a revo usage frame may be extracted.

  Next, the limit amount (set amount) of the ribo usage frame included in the customer information extracted in step S705 is compared with the description target amount information of the usage details extracted in step S706, and the set amount is greater than the description target amount. It is determined whether the amount is small (step S707). When the set amount is equal to or greater than the amount to be written (step S707: No), the process proceeds to step S709.

  In step S707, when the set amount is smaller than the description target amount (step S707: Yes), the customer whose set amount is smaller than the description amount, that is, the customer whose billing amount in the target period is larger than the set amount Is set to a high priority (step S708). In step S708, a priority is set such that the priority of a customer whose set amount is smaller than the amount to be written is higher than the priorities of other customers.

  The order of priorities among customers whose set amount is smaller than the target amount is determined by the same method as in the prior art. In addition, the priority of customers whose set amount is smaller than the target amount is set to a higher or lower priority among customers whose set amount is smaller than the target amount using different issuance conditions. You may make it do.

  For customers with the same priority under the same issuance condition, the priority is set according to the issuance condition according to the priority of the issuance condition, and the priority of the customer is adjusted using multiple issuance conditions. You may make it set.

  After that, information indicating the priority set in step S708 is output (step S709), and the series of processing ends. In step S709, for example, information indicating the priority is output to a printer that prints the usage details. In step S709, information indicating the priority may be output to another computer apparatus 200 connected to the network 105 via the network 105, for example. Specifically, for example, when the place where the usage statement is issued is different from the installation location of the usage statement creation support apparatus 104, the priority is given to another computer apparatus 200 connected to the network 105 via the network 105. The information indicating is output.

  In the usage details issued based on the priority-related information output in step S709, a message for guiding that the issued usage details are sent earlier than other customers may be described.

  On the other hand, if it is not the issuance condition that the ribo use frame is set based on the issuance condition in step S704 (step S704: No), the divided use frame is set among the customers specified in step S702. Customer information is extracted from the customer information DB 110 (step S710). Thereafter, the process proceeds to step S706.

  In the case of going through step S710, in step S706, the description target amount information of the customer's usage details with the divided usage frame extracted in step S710 is extracted from the usage history information DB 120. Then, the limit amount (set amount) of the divided usage frame included in the customer information extracted in step S710 is compared with the description target amount information of the usage details extracted in step S706, and the set amount is smaller than the description target amount. It is determined whether or not.

  The priority for creating the usage details may be determined according to an issuance condition different from the issuance condition shown in FIG. As another issuance condition, for example, the priority may be determined based on whether or not a privilege is used, a financial institution used for withdrawal, a store using a credit card, and the like.

  Next, another processing procedure of the usage specification creation support apparatus 104 according to the embodiment of the present invention will be described. FIG. 8 is a flowchart showing a processing procedure of the usage specification creation support apparatus 104 according to the embodiment of the present invention. In the flowchart of FIG. 8, first, it waits until there is an instruction to start creating the usage details (step S801: No).

  If there is a creation start instruction in step S801 (step S801: Yes), a customer who has used a credit card within the target period is specified (step S802), and issuance conditions are acquired from the issuance condition information DB 130 (step S801). S803). Then, based on the acquired issuance conditions, it is determined whether the use of the privilege described in the catalog is the issuance conditions (step S804).

  In step S804, when it is an issuance condition that the privilege described in the catalog is used (step S804: Yes), there is a privilege usage history using the privilege described in the catalog among the customers specified in step S802. Customer information is extracted from the customer information DB 110 (step S805).

  Then, a high priority is set for the customer specified by the customer information extracted in step S805, that is, the customer who has used the privilege described in the catalog (step S806). In step S806, a priority is set such that the priority of a customer who has used a privilege described in the catalog is higher than the priorities of other customers.

  Also, in step S806, the priority of the customer who had some action regarding the catalog, such as a question about the benefits described in the catalog or requesting early delivery of the catalog, is higher than the priority of other customers. You may set the priority which becomes high.

  On the other hand, if it is not the issuance condition in step S804 that the privilege described in the catalog is used (step S804: No), it is determined whether the type of financial institution is the issuance condition (step S808). If the type of financial institution is an issuance condition (step S808: Yes), among the customers specified in step S802, a customer who has set an account for withdrawal in a predetermined financial institution set in the issuance condition information DB 130, That is, customer information that uses a predetermined financial institution for withdrawal is extracted (step S809), and the process proceeds to step S806.

  In the case of going through step S809, in step S806, a high priority is set for a customer who uses the predetermined financial institution extracted in step S809. In step S806 in the case of going through step S809, a priority is set such that the priority of a customer who uses a predetermined financial institution is higher than the priorities of other customers.

  On the other hand, if the type of financial institution is not an issuance condition in step S808 (step S808: No), among the customers specified in step S802, the customer using a credit card at a specific member store, that is, a predetermined member store. Is extracted (step S810), and the process proceeds to step S806.

  In the case of going through step S810, in step S806, a priority is set such that the priority of the customer who is used in the predetermined member store extracted in step S810 is higher than the priority of other customers. . Thereafter, information indicating the priority set in step S806 is output (step S807), and the series of processes is terminated.

  As described above, according to the usage specification creation support apparatus 104 of the embodiment of the present invention, usage details can be created and sent in the order according to the determined priority. Even when there is no application, the credit card usage history can be preferentially guided to a customer (user) who has a usage history corresponding to the conditions for determining the priority.

  As a result, it is possible to secure the customer's time required for depositing into a withdrawal account and changing the payment method without bothering the customer in the application process for early receipt, etc. It is possible to improve customer convenience related to the use of a credit card.

  Further, according to the usage statement creation support apparatus 104 of the embodiment of the present invention, priority is given to a customer who has a usage history exceeding a predetermined payment amount even when there is no application for early receipt from the customer. The credit card usage history can be guided. As a result, it is possible to secure the customer's time required for changing the payment method without bothering the customer for the application procedure for early receipt, etc., and to facilitate the transfer procedure and the convenience of customers using credit cards. It is possible to improve the performance.

  Further, according to the usage statement creation support apparatus 104 of the embodiment of the present invention, the credit card usage history can be preferentially guided to a customer who may change to installment payment or revolving payment. it can. As a result, the customer's time required for changing the payment method can be secured without bothering the customer in the application process for early receipt, etc. Can be improved.

  Further, according to the usage statement creation support apparatus 104 of the embodiment according to the present invention, even when there is no application for early receipt from the customer, it is given priority to the customer for whom early receipt of usage history is effective. Credit card usage history can be guided. As a result, it is possible to secure the customer's time required for depositing into the debit account and changing the payment method without bothering the customer for application procedures for early receipt, etc. It is possible to improve the convenience of customers who use the card.

  Further, according to the usage statement creation support apparatus 104 of the embodiment according to the present invention, even when there is no application for early receipt from a customer, for example, for a customer using a financial institution whose closing date is early in the month, A credit card usage history can be preferentially guided. As a result, the customer's time until the closing date of the financial institution to be used can be secured without bothering the customer for the application procedure for early receipt, etc. Convenience can be improved.

  Further, according to the use statement creation support apparatus 104 of the embodiment of the present invention, a credit card is preferentially given to a customer who uses a predetermined member store without bothering the customer in the application procedure for early receipt. The usage history can be guided. In this embodiment, by making the priority of the merchant with a high fee (fee rate) paid to the credit card company higher than the priority of the other merchant, it is possible to charge a transaction with a high interest rate to the credit card company. Can be prioritized. As a result, the profit of the credit card company can be improved without imposing a burden on the customer.

  In addition, according to the use statement creation support apparatus 104 of the embodiment of the present invention, the card is preferentially given to the customer who uses the card based on the catalog without bothering the customer in the application procedure for early receipt. The usage history can be guided. In this way, the contents of the catalog can be preferentially communicated to customers who are effectively using the catalog, and the use of credit cards can be promoted, and the profits of customers, merchants and credit card companies can be improved. Can do.

  As described above, according to the usage specification creation support apparatus 104, the usage specification creation support method, and the usage specification creation support program according to the present invention, the priority can be determined even when there is no application for early receipt from the customer. Credit card usage history can be preferentially guided to customers (users) who have usage history that meets these conditions, so the account can be withdrawn without bothering the customer in early application procedures. The customer's time required for depositing money or changing payment methods can be secured. As a result, the transfer procedure can be facilitated and the convenience of the customer regarding the use of the credit card can be improved without bothering the customer in the application procedure for early receipt.

  The usage specification creation support method described in this embodiment can be realized by executing a program prepared in advance on a computer such as a personal computer or a workstation. This program is recorded on a computer-readable recording medium such as a hard disk, a flexible disk, a CD-ROM, an MO, and a DVD, and is executed by being read from the recording medium by the computer. The program may be a transmission medium that can be distributed through the network 105 such as the Internet.

  As described above, the use statement creation support apparatus, the use statement creation support method, and the use statement creation support program according to the present invention are useful for support for creating a card usage statement, and in particular, support for creating a credit card usage statement. Suitable for

It is explanatory drawing which shows the system configuration | structure of the card system concerning embodiment of this invention. It is a block diagram which shows the hardware constitutions of a computer apparatus. It is explanatory drawing which shows an example of customer information DB. It is explanatory drawing which shows an example of usage log information DB. It is explanatory drawing which shows an example of issue condition information DB. It is a block diagram which shows the functional structure of the utilization specification preparation assistance apparatus of embodiment concerning this invention. It is a flowchart (the 1) which shows the process sequence of the utilization specification preparation assistance apparatus of embodiment concerning this invention. It is a flowchart (the 2) which shows the process sequence of the utilization specification preparation assistance apparatus of embodiment concerning this invention.

Explanation of symbols

104 Usage details creation support device 110 Customer information DB
120 Usage history information DB
130 Issuing condition information DB
601 Input unit 602 Extraction unit 603 Determination unit 604 Output unit

Claims (10)

A usage statement creation support device that assists in creating the usage statement when issuing the usage statement of the card sequentially for each customer ,
A customer information database for storing customer information for each customer;
A usage history information database for storing usage history information related to the usage history of the card for each customer;
An issuance condition information database for storing information on conditions for determining the priority of the usage details creation process, or connectable via a network,
Extraction means for extracting customer information from the customer information database and usage history information from the usage history information database for each customer;
Using the information extracted by the extraction means, based on information about the conditions extracted from the issue condition information database, determining means for determining a priority regarding the order of issue of the usage details for each customer;
A usage statement creation support apparatus comprising: The extraction means extracts information on a predetermined payment amount determined in advance by the customer from the customer information database, and extracts amount information to be described in the usage details from the usage history information database.
The determining means determines the priority of the customer whose total amount of information extracted by the extracting means exceeds the extracted predetermined payment amount, and the total amount information extracted by the extracting means is: The usage statement creation support apparatus according to claim 1, wherein the priority is set higher than the priority of a customer who does not exceed the extracted predetermined payment amount.   The usage specification creation support apparatus according to claim 2, wherein the predetermined payment amount is a set amount in installment payment or revolving payment. A usage statement creation support device that assists in creating the usage statement when issuing the usage statement of the card sequentially for each customer ,
A customer information database for storing customer information for each customer;
A usage history information database for storing usage history information related to the usage history of the card for each customer;
An issuance condition information database for storing information on conditions for determining the priority of the usage details creation process, or connectable via a network,
Extracting means for extracting customers satisfying a predetermined condition in customer information from the customer information database, and extracting customers satisfying a predetermined condition in the use history information from the use history information database;
Determining means for determining a priority regarding the order of issuing the usage details for each customer, so that the priority is different between the customer extracted by the extracting means and the customer not extracted;
A usage statement creation support apparatus comprising: The extraction means extracts a customer who uses a predetermined financial institution for payment from the customer information database,
The usage decision making support apparatus according to claim 4, wherein the determination unit raises the priority of the customer extracted by the extraction unit higher than the priority of the customer not extracted. The extracting means extracts a customer who uses a predetermined member store from the usage history information database,
6. The usage specification creation support apparatus according to claim 4, wherein the determination unit raises the priority of the customer extracted by the extraction unit to be higher than the priority of the customer not extracted. The extraction means extracts the customer who uses the card based on the catalog enclosed at the time of shipping the usage details from the customer information database or the usage history information database,
The use according to any one of claims 4 to 6, wherein the determination unit raises the priority of the customer extracted by the extraction unit to be higher than the priority of the customer not extracted. Detail creation support device. A customer information database for storing customer information for each customer;
A usage history information database for storing usage history information related to the card usage history for each customer;
An issuance condition information database for storing information on conditions for determining the priority of the usage details creation process, or connectable via a network,
A usage statement creation support method used in a usage statement creation support apparatus that supports the creation of the usage statement when issuing the usage statement of the card sequentially for each customer , comprising extraction means and determination means,
The extraction means for extracting customer information from the customer information database and usage history information from the usage history information database for each customer; and
The determination means determines priority regarding the order of issuing the usage details for each customer based on information extracted from the issue condition information database using information extracted in the extraction step. A decision process;
A usage statement creation support method characterized by comprising: A customer information database for storing customer information for each customer;
A usage history information database for storing usage history information related to the card usage history for each customer;
An issuance condition information database for storing information on conditions for determining the priority of the usage details creation process, or connectable via a network,
A usage statement creation support method used in a usage statement creation support apparatus that supports the creation of the usage statement when issuing the usage statement of the card sequentially for each customer , comprising extraction means and determination means,
An extraction step in which the extraction means extracts customers satisfying a predetermined condition in customer information from the customer information database, and extracts a customer satisfying a predetermined condition in usage history information from the usage history information database;
A determining step in which the determining unit determines a priority regarding the order of issuing the usage details for each customer so that the priority is different between the customer extracted by the extracting step and the customer not extracted. When,
A usage statement creation support method characterized by comprising:   10. A usage statement creation support program that causes a computer to execute the usage statement creation support method according to claim 8 or 9.

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