JP2006059029A - Point management system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To give a point in settlement via a cellular phone. <P>SOLUTION: This point management system is constructed of the cellular phone 10, a center device 20, a settlement terminal device 30, and a card management device 40. The center device 20 gives ID information of a cellular phone capable of using the system and registers it. The settlement terminal device 30 reads credit information of the cellular phone 10 to carry out necessary settlement. The center device 20 gives a point such as service offered by each sponsor company to each cellular phone based on the settlement information of the settlement terminal device 30 and transmits the point information to the cellular phone 10. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to a point card system that can be used in a payment system using a portable wireless terminal device having a card function.

  In recent years, payment means have been diversified, and in addition to conventional cash payment and prepaid payments, payments are made using an IC card or a mobile phone (see Patent Documents 1 and 2).

  In addition, every time payment is made for the purchase of goods or the provision of services, points are given to customers. By collecting these points, points systems that enable the provision of services and goods or discount services have become widespread. ing. In this point service, a service ticket or coupon is handed over to the customer, or a stamp is stamped on the mount, a card with a magnetic stripe or IC is issued for the customer, and the number of points is recorded on each card as it is used. There are a wide variety of points management methods, such as credit cards, point management methods when shopping with credit cards, all of which can manage points of different point providers centrally and use them simultaneously (Manufacturer, store) Cannot handle unique points. For this reason, the points provided by manufacturers and stores are managed with a single card, and points are issued according to the customer's usage results so that points can be easily transferred and used. A point system that provides services or products has been proposed (see Patent Document 3).

  That is, this point card system is composed of a memory for storing points and an IC card incorporating a point management application, a point system management means for managing the entire system, and an IC card read / write means provided in a manufacturer or store, The point system management means registers and manages manufacturers, and at the time of registration, has a function to issue an encryption key for accessing a unique point management application for each manufacturer. Information is used from reading and writing means.

However, this system requires a dedicated system for writing points on a dedicated IC card with a built-in point management application and having a point writing device in each store. For example, this system is used in a card payment system. In addition to the card, it is troublesome to have an IC card for point management in addition to the card, and there is a problem that it is necessary to provide a dedicated point writing device in each store and the like, which increases costs. .
JP 2002-24730 A JP 2003-216993 A JP 2004-127267 A

  Therefore, the present invention has been made to solve the problems of these conventional point management systems, and its purpose is to perform settlement using a mobile wireless terminal device such as a mobile phone having a card function. By centrally managing the payment information for each mobile terminal device, it is possible to provide a unique point service for service providers, etc. It is to provide a system in which both payment and point exercise can be performed by a terminal device.

The invention of claim 1 is composed of a mobile wireless terminal device, a center device, and a payment terminal device connected via a network, and the center device assigns and registers ID information to the mobile wireless terminal device, Means for performing each process of transmitting the set credit frame information from the card management device to the portable wireless terminal device, providing each service, etc. for each portable wireless terminal device based on the payment information transmitted from the payment terminal device Means for assigning or updating points for each trader, and means for transmitting the updated point information to the portable wireless terminal device, wherein the card management device sets a credit frame based on the credit frame setting request And a means for performing each process of transmitting the credit frame to the center device, wherein the portable wireless terminal device transmits the credit information transmitted from the center device and the port transmitted from the center device. The payment terminal device reads the credit information and / or point information of the portable wireless terminal device to perform the necessary payment, and the credit information and point information after the payment are transferred to the portable wireless terminal. A point management system comprising processing means for resetting the apparatus and means for transmitting settlement information including the reset credit information and point information to the center apparatus.
The invention of claim 2 comprises a mobile wireless terminal device, a center device, and a payment terminal device connected via a network, and the center device assigns and registers ID information to the mobile wireless terminal device, Means for performing each process of transmitting the set credit frame information from the card management device to the portable wireless terminal device, providing each service, etc. for each portable wireless terminal device based on the payment information transmitted from the payment terminal device Means for assigning or updating points for each trader, and means for transmitting the updated point information to the portable wireless terminal device, wherein the card management device sets a credit frame based on the credit frame setting request And means for performing each process of transmitting settlement information including the credit frame and the reset credit information to the center device,
The portable wireless terminal device includes means for storing transmitted credit information and point information transmitted from the center device, and the settlement terminal device reads credit information and / or point information of the portable wireless terminal device. Processing means for performing necessary settlement, resetting the credit information and point information after settlement in the portable wireless terminal device, and means for transmitting settlement information including the reset credit information to the card management device This is a point management system characterized by that.
According to a third aspect of the present invention, in the point management system according to the first or second aspect, the payment terminal device includes a payment-only terminal device and a terminal device with a transmission function capable of transmitting the output of the payment-only terminal device. This is a point management system characterized by
According to a fourth aspect of the present invention, in the point management system according to any one of the first to fourth aspects, the center device gives points for each portable wireless terminal device and for each service provider. It is a point management system.

  According to the present invention, instead of the conventional payment by cash or card, the user can make a payment simply by setting a portable wireless terminal device such as a mobile phone or the like to the payment terminal device. Rather, since the center device can collect the points of the portable wireless terminal device for each store based on the settlement information, a wide variety of point services are managed centrally, and the user can use the service based on the information. And the like can be easily received using a portable wireless terminal device.

FIG. 1 is a block diagram schematically showing a point management system of the present invention.
This system generally includes a mobile radio terminal device, typically a mobile phone 10, a center device 20, a settlement terminal device 30, and a card management device 40. The center device 20 is connected to the device 20 via the mobile telephone network NT1, and the center device 20 is connected to the settlement terminal device 30 and, for example, a credit management company card management device 40 via the commercial communication network NT2.

  FIG. 2 is a block diagram schematically showing the center device 20. The center device 20 includes a server 22 that exchanges information with the mobile phone 10, the payment terminal device 30, and the card management device 40, and an interface 26 between the storage device 24 and the network. A user table T6 for storing user information is provided.

  FIG. 3 is a block diagram schematically showing the payment terminal device 30. The settlement terminal device 30 is an interface between the reading unit 32 for reading the recorded contents of the non-contact IC chip of the mobile phone 10, the control unit 34 for performing information exchange and settlement with the card management device 40, the storage device 36, and the network NT2. 38. Here, the storage device 36 is provided with a transaction table T5 for storing transaction information to be described later.

  FIG. 4 is a block diagram schematically showing the card management apparatus. The card management device 40 is placed, for example, in a credit sales company that issues cards, and exchanges information with the mobile phone 10, the center device 20, and the payment terminal device 30, and performs a card management server 42 that performs other processes necessary for card management. A storage device 44 and an interface 46 with the network NT2. The storage device 44 has a customer table T1 for storing card user information, a card usage amount table T2 for storing card usage amount information, and a settlement table T3. A supplier table T4 is provided.

FIG. 5 shows a specific example of the customer table T1 provided in the card management device 40, where the customer's name, card number (the customer is given by the credit sales company), personal identification number, address, telephone number, sub-card number 1, 2, 3,... Are stored.
FIG. 6 shows a specific example of the card usage amount table T2, and each card has a card number, a usage limit (credit limit), a sub card number (based on a card obtained by a user contracting with a credit sales company) .., 1, 2, 3... Are stored.
FIG. 7 shows a specific example of the settlement table T3, which includes a sub card number, a settlement amount, a new credit amount (an updated credit amount, that is, a current credit amount), use date information, terminal number, settlement date, payment date information, etc. Is stored.

FIG. 8 shows a specific example of the supplier table T4, and for each payment terminal, the terminal number, supplier company name such as taxi company name, supplier address, supplier telephone number, bank transfer information, etc. are stored. . The above table is provided in the card management server device 40 of the credit sales company.
FIG. 9 shows a specific example of a transaction table provided in the payment terminal device, which describes a sub card number, a settlement amount, a new credit amount, usage date information, a terminal number, and the like.
FIG. 10 shows a specific example of the user table T6 provided in the center device 20, and the user ID number, supplier name, sub card number, current point information (that is, updated point information), User name, address, telephone number, etc. are stored.

Next, the processing procedure of this system will be described with reference to FIG. 11 by dividing it into payment preparation processing, credit frame setting processing, and payment processing.
(1) Preparation process for settlement,
The user first contracts with a credit sales company to obtain a credit card. After the contract is made, the user sends, for example, a card number, a password, and other information (name, address, phone number) to the center device through a mobile phone. (S101). The center device creates and stores a user table T6 by giving ID information for each user to the user's name, address, and telephone number (S102), and is transmitted from the user to the card management server. The information is transferred (S103).

The card management server 42 checks the card number, password, and other information against the customer table T1 (S104). If collation is possible (S104, YES), a sub card number corresponding to the card number is created, and the information is additionally registered in the customer table T1 (S105). The card management server 42 transmits the sub card number and registration completion notification to the center device 20 (S106), and the center device 20 adds a payment program necessary for payment processing by the mobile phone 10 to the mobile device 10 The data is transferred to the telephone 10 (S107), and the mobile phone 10 stores the transmitted payment program, sub card number, and registration completion notification in its own storage device (S108), and the preparation process for payment ends.
Here, when the payment program is downloaded to the mobile phone 10, the payment program is set to be activated at all times or as necessary during the operation of the mobile phone 10.

(2) Regarding credit frame setting The user sends a sub card number and a credit amount to the center apparatus 20 using the downloaded settlement program and requests setting of a credit frame (S201). The center device 20 transfers the information to the card management server 42 (S202). The card management server 42 confirms the sub card number, and the credit amount assigned to the card (a card given in advance by the user by contracting with a credit sales company, here called a parent card) from the card usage amount table T2. Acquire the credit amount of the requested amount to the sub card, subtract the amount equivalent to the credit limit requested by the sub card from the credit amount of the parent card, and use the remaining amount as the parent card credit limit The credit amount registered in the usage amount table T2 and given to the sub card is stored together with the sub card number (S203).

The card management server 42 notifies the center device 20 of the credit card acquisition notification and credit amount information (S204), and the center device 20 transmits the same information to the mobile phone 10 (S205).
The mobile phone 10 stores the credit amount information in a non-contact IC chip (not shown) built in the mobile phone 10 based on the reception of the information (S206). Here, the credit amount information stored in the mobile phone 10 can be withdrawn by, for example, an IC card reader.

(3) Payment processing When a user receives or receives a thing or service, he / she causes the payment terminal device 30 provided with a reading unit (IC card reader) 32 to read the mobile phone 10. That is, the cellular phone 10 transmits identification information from the built-in non-contact IC chip to the payment terminal device 30 in response to a polling command (calling of identification information) from the payment terminal device 30 (S301). Next, the payment terminal device 30 performs an authentication process (S302), and if authenticated (S302, YES), displays that fact on the display device 12 of the mobile phone 10 by the payment program (S303) (note that the authentication is completed). If there is not, a message to that effect is similarly displayed on the display device of the mobile phone). The amount charged from the payment terminal device 30 is similarly displayed on the display device 12 of the mobile phone by the payment program (S304).

  Here, the payment terminal device 30 inquires of the card management server 42 about the sub card number and credit amount acquired from the mobile phone 10 (S305), and receives the payment permission signal from the card management server 42 (S306), the payment terminal device. 30 subtracts the settlement amount from the credit amount granted to the mobile phone 10 and transmits the credit amount to the mobile phone 10 as a new credit amount for the sub card (S307), and the updated credit amount settlement, etc. The settlement end information and the terminal ID information are transmitted to the card management server 42 together with the information and the sub card number of the mobile phone 10 (S308). Further, the sub card number, the payment amount, and the updated credit amount information are stored in the transaction table T5 provided in the payment terminal device 30 (S309). Subsequently, the settlement terminal device 30 transmits the data of the transaction table T5 to the card management server 42 (S310).

  It should be noted that, at the stage of proceeding from step S306 to step S307, a payment confirmation request may be made to the user, prompting the user for a confirmation operation, and proceeding to step S307 after confirmation. In this case, for example, it is possible to set a settlement processable amount, that is, to set an upper limit value for a single transaction amount. For example, for the settlement of 3000 yen or less, the settlement is automatically performed without confirmation from the user, and for the settlement over 3000 yen, for example, the confirmation button of the mobile phone 10 is required to be operated.

  In the above payment processing, when an authentication code is first received from the payment terminal device 30 by the payment program, “authenticating” is displayed on the display screen 12 of the mobile phone 10. Subsequently, when the settlement amount information from the settlement terminal device 10 is received, for example, “settlement amount 1000 yen, balance 9000 yen” is displayed on the display screen 12. Further, when the settlement process end information with the settlement terminal device 30 is received, a process of displaying “settlement amount 1000 yen, balance 9000 yen transaction normal termination” on the display screen 12 is performed. In this way, since the transaction process can be understood, the user can settle with peace of mind.

Next, the card management server 42 receives and stores the data of the transaction table T5 transmitted from the payment terminal device 30 (S311), and checks whether the sub card information is registered in the customer table T1, and the information matches. In that case, the data of the transaction table T5 is transferred to the settlement table T3 (S312).
The card management server 42 transmits a payment processing completion notification, payment date, and payment date / time information to the payment terminal device 30 (S313), and performs billing processing such as billing processing for the user (S314).

(4) About processing for point grant and management The settlement terminal device 30 transmits transaction data to the center device 20 (S315), and the center device 20 makes a pair with the sub card information of the transmitted transaction data. For the registered ID number (code), for example, a point corresponding to the settlement amount included in the transaction data is calculated for each ID number of each mobile phone and for each supplier company. The added points are added and stored in the user table T6 (S316). After the points are added, a completion notification is transmitted to the settlement terminal device 30 and the process is terminated.

When the user uses points, the mobile phone 10 sends a supplier company name and a point information transmission request to the center device 20 (S401), and when the center device 20 accepts the request, the ID number of the mobile phone 10 is used. The user's table is accessed and the point of the designated business partner is read (S402), transmitted to the mobile phone 10 (S403), and the mobile phone 10 stores the received point (S404).
Next, the payment terminal device 30 is caused to read the point of the mobile phone 10 (S405), and the payment terminal device 30, when the point can be used in the payment terminal device, As a part, the number of points used for settlement is subtracted, and the updated number of points is written to the mobile phone (S406) and transmitted to the center apparatus 20 (S407).

  Further, the payment terminal device 30 and the card management device 40 are not necessarily limited to those connected online as described above, and the payment terminal device 30 is separated from the card management device 40 and the payment terminal device 30 makes a one-day payment. After the processing is completed, the payment processing information may be collectively transmitted to the card management server 42 by connecting to a terminal device having a communication function.

Next, a second embodiment of the point card management system will be described.
In this point management system, the card management device 40 manages transaction information in the terminal device 30, and the center device 20 assigns points and manages point update information based on the settlement processing information obtained from the management device 40. Except for this, it is the same as the point management system shown in FIG.

FIG. 12 is a flowchart showing processing according to the second embodiment.
In the point card management system in the first embodiment, the payment terminal 30 transmits transaction data to the center device 20 (S315), and the center device 20 gives points based on the transaction data (S316). ). Moreover, although the payment terminal device 30 has read and updated the points read from the mobile phone 10 to the center device 20, in the second embodiment, the payment terminal device 20 points together with the contents of the transaction table T5. Update data is transmitted to the card management apparatus 40 (S310). That is, the settlement terminal device 30 subtracts the number of points used for settlement as a consideration for the goods or services provided or as a part thereof when the points can be used in the settlement terminal device 30. The updated number of points is written in (S406) and transmitted to the management device 40 (S407). The card management device 40, based on the “terminal number” in the recorded contents of the transmitted transaction table T5 (payment information relating to the payment made between the payment terminal device 30 and the mobile phone 10) “ The “company name” is extracted, and the information is transmitted to the center apparatus 20 together with the settlement information (S408). The center device 20 calculates points according to the settlement amount data in the settlement information, and the points calculated in the “point information” item corresponding to the “partner company name” and “sub card number” in the user table T6. Are added (S409). Other processing flows are the same as those in the first embodiment described with reference to FIG.

  In each of the above embodiments, the payment terminal device 30, the center device 20, and the card management device 40 are not necessarily limited to those connected online as described above. The payment terminal device 30 is not limited to the center device 20 and the card. After disconnecting from the management device 40 and finishing the payment processing for one day at the payment terminal device 30, the card management device 40 or the center device 20 collects the payment processing information by connecting to the terminal device 30 ′ having a communication function. You may make it transmit to.

FIG. 13 is a block diagram showing a point management system using a terminal device provided with this communication mechanism.
That is, the point management system according to the present embodiment includes a mobile wireless terminal device, typically a mobile phone 10, a center device 20, a payment terminal device 30, a card management device 40, and a terminal device 50 with a communication function. As in the first embodiment, the mobile phone 10 is connected to the center device 20 via the mobile phone network NT1, and the center device 20 is connected to, for example, a credit sales company via the commercial communication network NT2. However, the settlement terminal device 30 is not connected to the network, and is installed independently in a taxi car, for example. The settlement information including the point information of the settlement terminal device 30 is automatically or manually input to the terminal device 50 with a communication device installed in a taxi office, for example, and the terminal device 50 stores the settlement information in its storage device. The information is stored and transmitted to the center device and the card management device.

It is a block diagram of the point management system of this invention. It is a block diagram which shows a center apparatus schematically. It is a block diagram which shows a payment terminal device roughly. It is a block diagram which shows a card | curd management apparatus roughly. Show customer table. A card usage amount table is shown. The settlement table is shown. A supplier table is shown. A transaction table is shown. Indicates a user table. It is a figure which shows the process sequence of this system. It is a block diagram of the point management system concerning another embodiment of the present invention. It is a block diagram which shows the point management system which concerns on 2nd Embodiment.

Explanation of symbols

DESCRIPTION OF SYMBOLS 10 ... Mobile phone, 12 ... Display device, 20 ... Center device, 22 ... Server, 24 ... Storage device, 26 ... Interface, 30 ... Payment terminal device, 32, ... IC chip reader 34 ... Control unit 36 ... Storage device 38 ... Interface 40 ... Card management device 42 ... Card management server 44 ... Storage device , 46 ... interface, 50 ... terminal device with communication function, 52 ... input unit, 54 ... control unit, 56 ... storage device, 58 ... interface.

Claims (4)

Consists of a mobile wireless terminal device, a center device, and a payment terminal device connected via a network,
The center device assigns and registers ID information to the portable wireless terminal device, and transmits from the payment terminal device a means for performing each process of transmitting the set credit frame information from the card management device to the portable wireless terminal device. Means for assigning or updating points for each provider of each service or the like based on the settlement information to be stored, and means for transmitting the updated point information to the portable wireless terminal device Prepared,
The card management device includes means for performing each process of setting a credit frame based on the credit frame setting request and transmitting the credit frame to a center device,
The portable wireless terminal device includes means for storing transmitted credit information and point information transmitted from the center device,
The settlement terminal device reads credit information and / or point information of the mobile wireless terminal device and performs necessary settlement, and processing means for resetting the credit information and point information after the settlement in the mobile wireless terminal device, and A point management system comprising means for transmitting settlement information including the reset credit information and point information to the center device. Consists of a mobile wireless terminal device, a center device, and a payment terminal device connected via a network,
The center device assigns and registers ID information to the portable wireless terminal device, and transmits from the payment terminal device a means for performing each process of transmitting the set credit frame information from the card management device to the portable wireless terminal device. Means for assigning or updating points for each provider of each service or the like based on the settlement information to be stored, and means for transmitting the updated point information to the portable wireless terminal device Prepared,
The card management device includes means for performing each process of setting a credit frame based on the credit frame setting request and transmitting settlement information including the credit frame and the reset credit information to a center device,
The portable wireless terminal device includes means for storing transmitted credit information and point information transmitted from the center device,
The settlement terminal device reads credit information and / or point information of the mobile wireless terminal device and performs necessary settlement, and processing means for resetting the credit information and point information after the settlement in the mobile wireless terminal device, and A point management system comprising means for transmitting settlement information including the reset credit information to the card management device. In the point management system according to claim 1 or 2,
The payment terminal device comprises a payment dedicated terminal device and a terminal device with a transmission function capable of transmitting the output of the payment dedicated terminal device. In the point management system according to any one of claims 1 to 4,
The point management system, wherein the center device gives points for each portable wireless terminal device and for each provider of services and the like.

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