JP5731151B2 - Regional point grant system in local currency using electronic media - Google Patents

Description

  The present invention relates to a region specifying point grant system using an IC card or a mobile phone terminal having an electronic payment function.

  Electronic cards used in card formats called Suica (registered trademark of East Japan Railway Company) and Edy (trademark of Bit Wallet Co., Ltd.) or mobile phone terminals have become widespread.

  In these electronic money, a business model is adopted in which points are accumulated according to the amount of use and the points can be converted into electronic money to promote the use of electronic money.

  Japanese Patent Application Laid-Open No. 2009-301419 (Patent Document 1) discloses a technique for linking such use of electronic money and point services. In this patent document 1, the indirect registration application installed in the mobile phone reads the electronic money function unit ID from the electronic money function unit, and then connects the mobile phone to the company A point server and transmits the electronic money function unit ID. At that time, the mobile phone UID is transmitted. In the company A point server, the UID and the A member ID are linked in the A member DB. When the electronic money function unit ID and the UID are received from the mobile phone, the A member DB is used as a key by using the UID as a key. The company member ID is searched, and the searched A member ID is associated with the electronic money function unit ID received from the mobile phone.

JP 2009-301419 A

  In this Patent Document 1, focusing on the problem that one point service is linked to the use of electronic money, the choice of point service is fixed and the flexibility is insufficient, the use of electronic money and the point service It is a feature that is performed without imposing a burden on the user.

  However, in this patent document 1, it is difficult to make a change according to the change of the point rate or the use area only by associating the company employee ID and the electronic money function unit ID.

  Therefore, in this patent document 1, it was not applicable to the system which provides the regional point for aiming at regional activation.

  This invention is made in view of such a point, and makes it a technical subject to implement | achieve the technique which enables cooperation with utilization of electronic money and the regional point grant system from which conditions differ for every area. .

 The present invention employs the following means in order to solve the above problems.

Claim 1 of the present invention is a payment terminal device, a storage medium accessible from the payment terminal device, a regional system server connected to the payment terminal device via a network, and the regional system server. It consists of a payment system server,
The storage medium can be accessed from the payment system server via a payment terminal, and a universal currency information storage area capable of updating electronic currency information registered therein, and accessible from the regional system server via the payment terminal. A region specific point information storage area,
The regional system server includes
A store management table for managing at least a store ID of a regional member store where the payment terminal is installed and a grant point;
A subscriber management table that manages subscriber IDs, subscriber personal information, usage history, and storage points in association with each other;
A condition table that sets conditions for the grant rate of area specific points corresponding to the electronic currency information in the general currency information storage area that is subtracted at least when the storage medium accesses the payment terminal at the time of payment; And
In the payment terminal, when the payment processing is performed using the electronic currency information in the general currency information storage area of the storage medium, the payment terminal calculates the points calculated based on the condition table of the regional system server, An area specifying point grant system in a local currency using an electronic medium, wherein the area specifying point information storage area of the storage medium is written.

  According to a second aspect of the present invention, the condition table further includes any one of a grant rate for each period, a grant rate for each usage amount, a grant rate based on personal information, and a usage rate depending on a place. 2. The region specifying point grant system for electronic payment according to claim 1, wherein the system is registered.

  According to a third aspect of the present invention, there is provided a system for giving a region specifying point in a local currency using the electronic medium in the electronic payment according to the first or second aspect, wherein the storage medium is a card medium.

  According to a fourth aspect of the present invention, in the local currency using the electronic medium in the electronic payment according to the first or second aspect, the storage medium is configured by a predetermined area in a storage device provided in the mobile communication terminal. It is an area specific point grant system.

  According to the present invention, by setting a condition table in a regional system server, for example, it is possible to flexibly set a point grant rate for each region, and the use of electronic money and a regional point grant system having different conditions for each region Cooperation with is possible.

Explanatory drawing which shows the system configuration | structure in embodiment of this invention Hardware configuration diagram of regional system server in an embodiment of the present invention The figure which shows the content of the condition table in embodiment of this invention

  The present invention will be described with reference to the drawings.

  FIG. 1 shows the system configuration of the present invention.

  As shown in the figure, the system of the present embodiment is composed of a payment terminal and a regional system server connected via a network, and a payment system server is further connected to the regional system server.

  As shown in FIG. 2, the payment system server is a general-purpose information processing apparatus having a hard disk device (HD) connected by a bus (BUS) with a central processing unit (CPU) and a main memory (MM) as the center. It is. A display device (DISP) and a keyboard (KBD) for server operation may be connected via a bus (BUS).

  In the hard disk device (HD), a payment application program (PRG) and various tables (TBL) are registered as a database together with an operating system (OS).

  The settlement terminal connected to the network (NW) is, for example, a POS terminal, which is a terminal having a function of reading an RF-ID card. This payment terminal is also composed of a general-purpose information processing apparatus, and although not shown, has a storage device such as a hard disk device with a central processing unit as a center. In this storage device, several tables in the regional system server described later are downloaded and registered via the network.

  The storage medium may be a card type or an electronic storage medium registered in the memory of the mobile phone terminal. For example, Edy (registered trademark of Bit Wallet Co., Ltd.) and Suica (registered trademark of East Japan Railway Company) as card-type devices, NTT Docomo's i-mode terminal (trademark of the company), and these as mobile phone terminals Mobile phone terminals with an electronic payment function ("Osaifu-Keitai" (trademark of the company)) installed on these terminals.

  The storage medium is provided with a general-purpose area and a specific area. In the general-purpose area, the balance and history of general-purpose electronic values (electronic currency and points) of Edy and Suica are written.

  On the other hand, the balance and history of electronic value (electronic currency and points) in a specific region are written in the region specific area. The specific area may be further divided into an area specific electronic currency area and an area specific point area.

Various tables are provided in the regional system server described above. This will be described below. (Store management table)
It is a table for managing a store where the payment terminal is installed, and at least a store ID and a point grant rate are registered in association with each other. This table is downloaded and registered in the storage device of the payment terminal when the payment terminal is connected to the network and receives authentication of the store by the regional system server.
(Subscriber management table)
It is a table for managing subscribers who own storage media in a specific area. Subscriber ID, personal information such as name, gender, age, etc., usage history and accumulated points are registered in association with each other. Yes.
(Condition table)
A condition name (condition identifier) and a point grant rate are registered in association with each other.

  In each table described above, data of the store management table and the condition table is downloaded to the storage device of the payment terminal via the network.

  When a user purchases an article at a predetermined store using a storage medium, for example, a region specific card, when the purchase price is input by the store clerk at the settlement terminal, a monetary value (for example, 1000 yen) corresponding to the purchase price is obtained. Subtracted from the general area.

  Next, the central processing unit of the payment terminal refers to the downloaded store management table and the condition table, and calculates a point (for example, 50 points) corresponding to the monetary value (for example, 50 points) in the region. Write in addition to the value of the area specific point area of the specific card.

  In this way, even when purchasing goods using the monetary value of the general-purpose area, the points obtained thereby are written in the area specific point area, so it becomes easier to accumulate points for each area, and local stores Business transactions at (stores) can be activated.

  In the above specific example, the case of purchasing goods using the monetary value of the general-purpose area has been described. However, not limited to this, if monetary value is accumulated in the area specific electronic currency area, You may purchase goods using the monetary value of an area specific electronic currency area. Further, depending on the setting of the settlement terminal, the article purchase may be made using the area specific point registered in the area specific point area.

  Further, in the present embodiment, when a point is given, various operations can be performed by setting a condition table.

  3 (1) to 3 (3) show another embodiment of the condition table.

  As shown in the figure, this condition table is based on the grant rate for each period ((1) in the figure), the grant rate for each usage amount ((2) in the figure), and personal information (for example, age). The grant rate ((3) in the figure) is registered in association with each other. These condition tables are also downloaded to the storage device of the payment terminal via the network, and when the payment terminal communicates with the storage medium (regional card or mobile phone terminal with electronic payment function) to update the monetary value or points The value conforming to the table condition is written.

  For example, when the payment terminal refers to the condition table of FIG. 1A downloaded to its own storage device, the point grant rate corresponding to the date and time at the time of payment is read and multiplied by the monetary value at which the goods were purchased. The points to be granted are calculated, and the calculated points are registered in the area specifying point area. As described above, since the rate of giving the region specific points can be changed for each period, it becomes possible to move the user to a region with a higher rate by time, and the consumption behavior after moving the consumer And can intentionally activate commercial transactions in a specific area for a specific period.

  Moreover, if the condition table of (2) of the figure is used, the grant rate of a specific area point can be changed for every usage amount. For example, keep the point grant rate small for small transactions and increase the point grant rate for high-price transactions of 10,000 yen or more so that local residents can use the local shopping streets to purchase expensive products. Can be guided to.

  Furthermore, if the condition table of (3) in the figure is used, the grant rate of specific area points can be changed depending on the age. By setting a large grant rate for so-called pension rich people over 65 years old, The consumption behavior of generations can be activated.

  As described above, in the present embodiment, the storage medium (the area specifying card or the mobile phone terminal with the electronic payment function) is divided into the general area and the area specifying area, and the conditions set in the condition table are set for the area specifying area. Since the points given by the payment terminal are calculated based on the above, flexible operation is possible for each region when the region-limited points are given.

  The present invention can be used for an electronic local currency business.

CPU Central processing unit MM Main memory BUS Bus HD Hard disk device OS Operating system TBL Various tables DISP Display device KBD Keyboard NW Network

Claims (4)

Consists of a settlement terminal end, and the settlement terminal end accessible from a storage medium, and the regional system server connected via the payment terminal end and the network, the payment system server connected to this local system server,
The storage medium can be accessed from the payment system server via a payment terminal, and a general currency information storage area capable of updating electronic currency information registered therein, and a regional system server via a payment terminal in a specific region And an area specific point information storage area where points are written ,
The regional system server includes
A store management table for managing at least a store ID of a regional member store where the payment terminal is installed and a grant point;
A subscriber management table that manages subscriber IDs, subscriber personal information, usage history, and storage points in association with each other;
When the payment terminal accesses the storage medium at the time of payment, at least a region specific point grant rate condition corresponding to the electronic currency information in the general currency information storage area subtracted by the payment is set for each specific region With a condition table,
In the settlement terminal, when performing settlement processing by using the electronic money information of the generic currency information storage area of the storage medium, the payment terminal, the set conditions for each of the specific area of the front Kijo matter table A system for providing a region specifying point in a region currency using an electronic medium, wherein the point calculated based on the region is stored in the region specifying point information storage region of the storage medium.   In the condition table, the granting rate for each period, the granting rate for each usage amount, the granting rate based on personal information, and the usage rate depending on the location are registered in association with each other. A system for giving a region specifying point in a local currency using the electronic medium according to claim 1.   3. The system for giving an area specifying point in an area currency using an electronic medium according to claim 1, wherein the storage medium is a card medium. 3. The system for giving a region specifying point in a local currency using an electronic medium according to claim 1, wherein the storage medium is configured by a predetermined region in a storage device provided in a mobile communication terminal.

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