JPH09161030A - Point card system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To maintain fixed customers and to secure new customers by operating a point card system cooperatively by a banking organ and a shopping district by the use of point cards each of which has an observable display area and a magnetic information recording area. SOLUTION: A point card 10 has a rewritable and observable display area 30 set up on one face 20a of a card material 20, a 1st display area 20a can be rewritten only by a prescribed banking organ and new points are rewritten by adding prescribed points in every use of the banking organ and displayed. A 2nd display area 30b can be written only by prescribed shopping district and new point to which points corresponding to a purchase amount are added are rewritten and displayed at the time of purchasing a commodity or the like. A 3rd display area 30c can be rewritten by both the banking organ and shopping district and points obtained by mutually adding points displayed on the 1st and 2nd display areas 30a, 30b are rewritten and displayed on the area 30c.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a point card system in which both a community-based financial institution and a local shopping mall operate jointly in order to expand the number of customers.

[0002]

2. Description of the Related Art Generally, a financial institution issues various information cards such as cash cards and loan cards in order to simplify various operations. It helps reduce the burden.

On the other hand, the store side issues a service ticket, a chip, or the like, or presses a stamp on a stamp card to provide customer service in accordance with the purchase price of the user, thereby maintaining, securing, and new customers. The reality is that we are trying to expand the number of customers.

[0004]

However, although a cash card or the like issued by a financial institution can be used mutually among financial institutions, no other function other than the utility value as a cash card can be considered, and This is a factor that keeps depositors away from the window.

On the other hand, in the conventional customer service on the store side,
The color of self-defense is deep and lacks the horizontal connection,
Data storage and management are also troublesome, which is a major obstacle to OA.

The present invention has been made in view of the above circumstances, and can be used jointly in both a shopping district and a financial institution, and can be effectively used for maintaining fixed customers and securing new customers. To provide.

[0007]

In order to achieve the above object, the point card system according to the present invention uses a point card having a rewritable and visible display area and a magnetic information recording area. Then, the financial institution and the shopping district are jointly operated.

Further, when the customer uses a financial institution or a shopping district, the point card system according to the present invention calculates the usage point and reads the usage point from the magnetic information recording area by the card processing machine of the usage store. , Writing, and printing and erasing of usage points in the display area.

Further, the point card system according to the present invention is characterized in that predetermined points are added according to the displayed contents of the lottery printed on the usage statement received when the ATM machine of the financial institution is used.

Here, the rewritable and visible display area set on one side of the point card is
It is divided into three display areas: a first display area in which only the financial institution side can rewrite, a second display area in which only the store side can rewrite, and a third display area in which both can be rewritten.

On the other side of the point card, a magnetic information recording area for recording the points on the financial institution side and on the shopping district side is formed by a magnetic stripe, full-face magnetism or the like.

Next, as a method of using this point card, for example, in addition to the case where the customer uses an ATM machine of a financial institution, a new time deposit is made at the financial institution, a new account is opened or various loans are made. When making a contract, etc., first, this card is loaded on a card processing machine of a financial institution to read the points recorded in the magnetic information recording areas of the financial institution side and the shopping district side.

Then, in the first magnetic information recording area on the financial institution side, new points are written and recorded by adding predetermined points according to the usage form of the financial institution, and the thermal head is displayed in the first display area. The new points are written and displayed by, and in the 3rd display area,
Total points obtained by adding new points on the financial institution side and points on the shopping street side are written and displayed.

Therefore, in the card processing machine on the financial institution side, the thermal head for rewriting points in the first display area and the third display area and the point in the magnetic information recording area on the financial institution side are read and written. It suffices to include a magnetic head that performs replacement, a magnetic head that reads points in the magnetic information recording area on the side of the shopping mall, and an addition volume counter that adds both points.

Similarly, in the card processing machine on the shopping street side, a magnetic head for reading the points recorded in the magnetic information recording area on the financial institution side and a magnetic head for reading the points on the shopping street side and rewriting new points And a thermal head that rewrites the second display area and the third display area. For example, when a product or the like is purchased at a store, the existing points are read and predetermined points are set according to the purchase price. Is given, a new point obtained by adding this point is written and recorded in the magnetic information recording area, and this new point is rewritten and displayed in the second display area, while the total point is written in the third display area. Replace and display.

This point card is issued both at the counter of the financial institution and at the side of the shopping district, but when it is done at the counter of the financial institution, the hit display is printed with a high probability on the ATM usage statement. And AT with this hit display
If you show your M statement at the window of a financial institution, a scratch card will be distributed to users, and a point card will be issued by lottery of this scratch card, and also when you open a fixed deposit or newly open an account. If you apply to, point cards will be issued at any time.

Also, On the shopping street side, if you fill out the necessary items and apply, point cards will be issued at any time.

As is apparent from the above configuration, in the point card system according to the present invention, a predetermined point is added every time a predetermined financial institution is used, and a predetermined point is obtained even when a predetermined shopping street is used. Since points are added, points can be accumulated and cash can be deposited into financial institutions, and points can be purchased at shops.

Further, the financial institution side can increase the customer attraction rate by taking in the users of other financial institutions.

On the other hand, on the side of the shopping mall, various customer information can be grasped and the management work of points management can be reduced.

[0021]

BEST MODE FOR CARRYING OUT THE INVENTION Hereinafter, an embodiment of a point card system according to the present invention, which is applied to a point card system that can be shared by a financial institution side and a shopping district side, will be described in detail with reference to the accompanying drawings. explain.

FIG. 1 is a plan view of the point card viewed from one side, FIG. 2 is a plan view of the point card viewed from the other side, and FIG. 3 is a flow until the financial institution issues the point card. FIG. 4 is a chart showing the flow until the point card is issued on the shopping street side, FIG.
Is an explanatory diagram showing a card processing method by a card machine installed on the financial institution side, FIG. 6 is an explanatory diagram showing a card processing method by a card machine installed on the shopping street side, and FIG. 7 is a financial institution side, the shopping street side FIG. 8 is a chart showing the usage pattern of the point card in FIG. 8, and FIG. 8 is an explanatory diagram showing the movement of points after the point card is issued.

FIGS. 1 and 2 show an embodiment of a point card used in the point card system according to the present invention. The point card 10 is one of a card base material 20 such as polyester resin or hard vinyl chloride resin. A rewritable and visible display area 30 (first display area 30a, second display area 30b, third display area 30c) is set on the side of the surface 20a, and the first display area 30 is set.
Only a predetermined financial institution can rewrite a, and a new point to which a predetermined point is added is rewritten and displayed every time the financial institution is used.

The second display area 30b is rewritable only in a predetermined shopping street, and points are added according to the purchase amount when using the predetermined shopping street, for example, when purchasing a product. The new points that have been displayed are rewritten and displayed.

Further, the third display area 30c is rewritable by both the financial institution and the shopping street, and the first display area 30c is rewritable.
The total points obtained by adding a and the points displayed in the second display area 30b are rewritten and displayed.

Further, as shown in FIG. 2, the card substrate 20
On the other surface side 20b of the first magnetic information recording area 40a such as a magnetic stripe for recording the points on the financial institution side, that is, the points of the first display area 30a, the whole magnetic field, etc.
Similarly, the second magnetic information recording area 40b for recording the point on the shopping street side, that is, the point of the second display area 30b is similarly formed as a magnetic stripe or the like.

The display area 30 is printed by a thermal head using a thermoreversible thermosensitive recording film.
Ordinary display means that erases characters using a hot plate or the like is used, and the financial institution side and the shopping district side perform information processing operations described later on the point card 10.

First, the flow of the system will be described with reference to FIG. 3 regarding the procedure for the financial institution side to issue the point card 10 to the ATM user.

First, when a user deposits and withdraws cash in an ATM machine, an ATM usage statement 50 is issued. At this time, a hit display 51 is printed on the ATM usage statement 50. There is something.

The hit display 51 is the ATM usage statement 5
Although it is displayed with a high probability of 0, it is more effective to secure new customers if the winning probability is set to a higher probability when using a card of another financial institution.

The user can check the AT with the hit display 51 printed.
If the M usage statement 50 is submitted to the counter, the scratch card 60 will be distributed to the winners, but this scratch card 60 also has a hit or miss.

If the user is out of the lottery, the crude product is presented to the user, and if the player is in the lottery, the point card 10 according to the present invention is issued, and the first display area 30a of the point card 10 is issued. Indicates a point to which a predetermined number of points have been added in advance, and the point is recorded in the first magnetic information recording area 40a.

When using a financial institution such as periodic savings or opening a new account, if a request is made at the counter, a point card will be issued from the financial institution side with a predetermined number of points added according to the type of use.

The point card 10 is issued in the same manner not only from the financial institution side but also from the shopping district side.

That is, as shown in FIG. 4, when the customer fills in the card application form with predetermined information such as address, name, etc. to apply, the point card 10 according to the present invention is issued. No points are recorded in the 2 magnetic information recording area 40b, which is a zero point, and each display area 30a, 30b, 30c is also a zero point.

Next, a method of using the point card 10 will be described.

First, the card processing method on the financial institution side will be described with reference to FIG. 5. The card processing machine 70 on the financial institution side visually checks the display area 30 set on one side of the point card 10. A thermal head 71 for rewriting information is provided, and for reading or reading / writing magnetic information recorded in two magnetic information recording areas 40a, 40b provided on the other surface side of the point card 10. Magnetic heads 72, 73
And an addition counter (not shown).

Here, when the customer opens a time deposit or a new account at a financial institution, and presents this point card 10 to the window of the financial institution, the point card 10
Is inserted into the card processor 70, the information on the financial institution side is read, and the rewritable magnetic head 72 reads the point on the financial institution side recorded in the magnetic information recording area 40a, and the financial institution is used for it. A new point to which a predetermined point is added according to the form is written in the first magnetic information recording area 40a by the magnetic head 72.

The magnetic head 73 on the other side only reads predetermined information in the second magnetic information recording area 40b in which points on the shopping mall side are recorded, and does not have a rewriting function.

The points newly recorded in the first magnetic information recording area 40a are visually rewritten and displayed as new points in the first display area 30a of the point card 10 by the thermal head 71, and
The total points obtained by adding the respective points of the magnetic information recording areas 40a, 40b, which record the respective information on the financial institution side and the shopping mall side, by the addition counter are also visually displayed in the third display area 30c. Will be done.

That is, the order of this processing is as follows. Reading each point of magnetic information in the magnetic information recording areas 40a and 40b. The points used this time are added to the number of points on the financial institution side. Rewriting points of the first magnetic recording layer 40a on the financial institution side. Calculation of total points on financial institutions and shopping streets. The visual information in the display area 30 is rewritten in the order.

Similarly, the point card 10 on the shopping street side
The card processing method will be described with reference to FIG. 6. A card processing machine 80 is also installed on the shopping street side. The card processing machine 80 has a thermal head 81, two magnetic heads 82 and 83, and an addition head. A counter (not shown) is installed, the magnetic head 82 on one side is a read head that only reads points on the financial institution side, and the magnetic head 83 on the other side reads points on the shopping street side, It is a magnetic head with reading and writing functions that can write new points.

Therefore, the point card 10 on the shopping street side
The flow of point addition using will be described below step by step.

[0044] Point reading of magnetic information on both shopping street side and financial institution side. Add the points used this time to the points in the shopping district. Point rewriting of the second magnetic information recording area 40b in which predetermined information on the shopping street side is recorded. Calculation of total points on the shopping street side and financial institution side. Rewriting visual information in the display area 30

Next, the point card 10 according to the present invention
The flow of the system will be described with reference to FIG. 7, but the detailed description of the same parts as those in FIGS. 3 and 4 will be omitted.

First, as is apparent from FIG. 7, in addition to the case where a new account is opened at a financial institution or a periodical savings is performed, a hit display 51 is printed on the ATM usage statement 50 at the financial institution. For example, the scratch card 60 is issued to the user, and the point card 10 is issued in a state in which the predetermined points are added by the hit of the scratch card 60. Thereafter, the user hits the ATM usage statement 50 thereafter. An inquiry for adding a predetermined point to the point card 10 is made at the counter by the display 51.

Therefore, it is possible to ensure the maintenance and securing of customers, and to increase the number of new customers when the hit display is set to a high probability for ATM operations using cash cards of other financial institutions. it can.

On the store side, when the user purchases a product, the point card 10 is added with a predetermined number of points to be recorded and visually displayed. The flow of information on the side of the store is as follows. The application form submitted at the time of application can be used to understand the customer's prescribed information, and various information obtained from the point addition situation when purchasing products at a store can be stored in a data file, and this information can be promoted. It can be effectively used as data, and various OA can be realized.

Next, based on FIG. 8, the point card 1
Explaining the movement of points after issuing 0, firstly,
On the financial institution side, if the hit indication 51 is printed on the ATM usage statement 50 issued when the ATM is used, the points are recorded in the first magnetic information recording area 40a in a form in which the predetermined points are added, and the points are First of card 10
The information is written and displayed in the display area 30a and the third display area 30c.

Similarly, when a new time deposit is made, points determined by the amount of the time deposit are added, for example, 1000 points for a 1 million yen fixed deposit and 100 points for opening a new account. like,
Predetermined points are added depending on the usage pattern of financial institutions,
The points are recorded in the first magnetic information recording area 40a of the point card 10 and the points are rewritten and displayed in the display area 30.

Note that, as a usage pattern of another financial institution, the same is done when a new salary transfer is contracted or a mortgage is contracted.

Next, with respect to the movement of points on the side of the shopping mall, predetermined points are added not only when a product is purchased but also when passing through the shopping street or when carrying shopping, and the point card 10 The points are recorded in the second magnetic information recording area 40b, and the points are displayed in the second display area 30b and the third display area 30c.

In the third display area 30c, total points obtained by summing the points of the first display area 30a and the points of the second display area 30b are displayed. The total points of the third display area 30c are used in a shopping street or the like. It can be used for various events such as lucky draws, presents of prizes, or regular product purchases, as well as making deposits at financial institutions.

[0054]

As described above, the point card system according to the present invention has the following special operational effects.

(1) In the point card system according to the present invention, predetermined points are added and recorded and displayed each time a predetermined financial institution is used, and predetermined points are added each time a predetermined store or shopping district is used. Recorded,
Since it is displayed, the frequency of use of specified financial institutions increases, it is possible to effectively secure fixed customers, and users of other financial institutions can also be imported. It has the effect that it can be linked to the expansion of.

(2) In the point card system according to the present invention, predetermined points are added and recorded and displayed each time a predetermined financial institution is used, and predetermined points are added each time a predetermined store or shopping district is used. Since the information is recorded, displayed and displayed, the financial institution side has the effect of being able to open an account of an untraded store.

(3) In the point card system according to the present invention, a predetermined point is added and recorded and displayed each time a predetermined financial institution is used, and a predetermined point is added every time a predetermined store or a shopping district is used. Since the data is added, recorded, and displayed, the store side has an effect that various data of the customer can be effectively accumulated and managed, and OA can be promoted.

(4) In the point card system according to the present invention, a predetermined point is added and recorded and displayed each time a predetermined financial institution is used, and a predetermined point is added every time a predetermined store or a shopping district is used. Since the information is added and recorded and displayed, it is possible for the store side to improve customer service by diversifying the settlement method, and to organize purchasing customer information and reduce cash handling operations. It has various effects such as

(5) In the point card system according to the present invention, predetermined points are added and recorded and displayed each time a predetermined financial institution is used, and predetermined points are used every time a predetermined store or shopping district is used. Since the points are added and recorded and displayed, the user can make a deposit at a financial institution by accumulating points, and can purchase products for points at a store.

[Brief description of the drawings]

FIG. 1 is a plan view showing one embodiment of a point card used in a point card system according to the present invention, viewed from one side.

FIG. 2 is a plan view of the point card shown in FIG. 1 viewed from the other surface side.

FIG. 3 is a chart showing a system in which a financial institution issues a point card used in the present invention.

FIG. 4 is a chart showing a system in which a shopping mall side issues a point card used in the present invention.

FIG. 5 is an explanatory diagram showing a card processing method on the financial institution side.

FIG. 6 is an explanatory diagram showing a card processing method on the shopping street side.

FIG. 7 is a chart diagram showing a system in which a point card according to the present invention is shared by a financial institution and a shopping district.

FIG. 8 is an explanatory diagram showing the movement of points after the point card is issued in the point card system according to the present invention.

[Explanation of symbols]

 10 point card 20 card base material 30 display area 30a first display area 30b second display area 30c third display area 40a, 40b magnetic information recording area 50 ATM usage statement 51 display per 60 scratch card 70, 80 card processor 71 , 81 Thermal head 72, 73, 82, 83 Magnetic head

Claims (3)

[Claims] 1. A point card system, wherein a financial institution and a shopping district operate jointly by using a point card having a rewritable and visible display area and a magnetic information recording area. . 2. When a customer uses a financial institution or a shopping district, the card processing machine of the store used calculates the point of use and reads, writes from the magnetic information recording area of the point of use, and points of use to the display area. The point card system according to claim 1, wherein the printing and erasing are performed. 3. The point according to claim 1 or 2, wherein predetermined points are added according to the contents of the lottery printed on the statement of use received when using an ATM machine of a financial institution. Card system.