JP3982171B2 - Point privilege providing system - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention relates to a so-called point service applied at the time of article sales or service provision, and in particular, a privilege use applicant side, a point management side and a privilege provider side are connected via a network, and at least by the privilege use applicant side. The present invention relates to a point privilege providing system for selecting a privilege prepared by the privilege providing side and subtracting a point corresponding to the privilege from a point held by the privilege use applicant in exchange for the provision of the privilege.
[0002]
[Prior art]
In general, point services are provided in conjunction with transactions between merchants and individual buyers. Cards are issued to contract members by direct issuance by affiliated stores or by mail from operating companies, and the cards are brought. When the member pays the consideration at the affiliated store, points are calculated and delivered, and in addition to the points, a privilege is provided by the operating company or the affiliated store.
[0003]
[Problems to be solved by the invention]
This point service has the advantage that partner stores can increase the motivation to re-visit stores and purchase goods, etc. when points are added to the members, thereby improving sales. There is an expectation of commercial success that the fee revenue will increase as the consideration paid by the members increases at the store.
[0004]
However, in this type of point service, the following problems have been pointed out in the point privilege providing system via the network that has been developed recently.
[0005]
In general, a point privilege providing system via this type of network has a privilege use applicant side, a point management side, and a privilege provider side connected via the network, and at least the privilege provision side by the privilege use applicant side prepares. Selection of a privilege and subtraction of a point corresponding to the privilege from a point held by the privilege use applicant in exchange for provision of the privilege.
[0006]
First of all, it is security protection that becomes a problem on the premise of such a system. That is, the privilege use applicant side, the point management side, and the privilege provider side are generally connected via a public telephone line. And the required authentication processing, point calculation processing, privilege provision processing, etc. are performed by performing data transmission / reception among the privilege use applicant side, the point management side, and the privilege provision side.
[0007]
However, in such a system having a public telephone line as a main element, there is a high possibility that data is illegally transmitted and received, and problems such as data destruction, leakage, and system destruction have been pointed out.
[0008]
Further, the present invention relates to an authentication process related to the above-described security protection. That is, the operations and processing among the privilege use applicant side, the point management side, and the privilege offer side connected via the network are that the privilege use applicant side is a regular qualified person, and that the point management side and the privilege It is assumed that the provider is guaranteed to provide a predetermined service only to the qualified person.
[0009]
Therefore, in either case where the privilege use applicant side accesses only the point management side, only the privilege provision side, or both the point management side and the privilege provision side via the network, the point management side or the privilege provision side By performing an input request such as a password and authentication processing on the use applicant side, extremely high security can be realized.
[0010]
However, if such an input request or authentication process is requested from the privilege use applicant, many accesses to the system cannot be expected due to troublesome and complicated factors. However, security should be ensured.
[0011]
The objective of this invention is providing the point privilege provision system which can implement | achieve high confidentiality protection, without causing the burden increase with respect to the privilege utilization applicant side.
[0012]
[Means for Solving the Problems]
To achieve the above objective, Special Terminal on the applicant side Connected to the network via Point management side Holds information about the device and the number of points according to the benefit Special offer server And comprising In the point privilege providing system, the point management side apparatus Is a database for point management that holds ID information for member authentication and information on the number of points for each member, Press conference Member authentication for Authentication image that accepts input of ID information Interview And Said Benefits For selecting operation Benefit selection screen Displayed on the terminal of the benefit use applicant And the member authentication on the authentication screen for When ID information is input, data is referred to the point management database, member authentication means for performing member authentication based on whether or not the member authentication ID information matches, and after the authentication by the member authentication means, the privilege On the selection screen Regarding the selection of benefits When privilege selection information is entered, the member authentication entered by the terminal on the benefit use applicant side for ID information And the privilege selection information Transferring means to transfer the benefit to the privilege providing server; When the member authentication ID information and the number of points to be subtracted are received from the privilege providing server after the transfer by the transfer means, the points are stored in the point management database based on the member authentication ID information. Means to subtract the number of members The privilege providing server includes storage means for holding information equivalent to ID information for member authentication held in the point management database; and the point management side apparatus When the member authentication ID information is transferred, the data is referred to the storage means, and the member authentication is performed based on whether or not the member authentication ID information matches. Benefits provider authentication Means and When the member authentication ID information matches as a result of authentication by the privilege providing side authentication means, the number of points to be subtracted according to the privilege is calculated based on the privilege selection information transferred from the point management side device. Means for transmitting to the point management side device together with the member authentication ID information; A point privilege providing system is provided.
[0018]
Book According to the invention, the following effects are exhibited.
[0019]
Book According to the invention, since the privilege application information to be transmitted from the point management side to the privilege providing side is transmitted / received by e-mail, communication required for point management can be realized at low cost.
[0020]
Book According to the invention , Electric Since the child mail is encrypted, the data communication security is protected.
[0021]
The present invention According to the above, even if the benefit use applicant side inputs member identification information on the screen generated by the point management side once and member authentication is performed, even if the screen transitions from the point management side to the privilege providing side Since the member authentication information authenticated on the point management side is taken over to the privilege providing side, the privilege providing side can shift to the service provided by the privilege providing side without performing the member authentication again, High confidentiality protection is realized without increasing the operation burden on the privilege use applicant.
[0022]
Book According to the invention, the privilege use applicant side inputs the member information on the screen displayed by the point management side only once, takes over the information from the point management side to the privilege provision side, and uses it for authentication on the privilege provision side. It is done. Therefore, since the member authentication processing is performed on the privilege providing side in addition to the point management side, a high level of security protection is realized. This is a double check between the authentication on the point management side and the authentication on the privilege provider side when an unauthorized access person tries to access the privilege provider illegally without increasing the burden of operations by the customer. As a result, a simple and safe system is constructed.
[0023]
Book According to the invention , Special By holding information for member authentication on the data provider side, member authentication processing can be performed only on the privilege provider side without going through the network, which can improve the authentication speed and reduce the operation cost It is.
[0024]
Book According to the invention, the screen before transfer and the screen after transfer can be made substantially the same, so that the same operating entity can be recognized on the benefit use applicant side, and intimacy between members and operators Will be achieved.
[0025]
DETAILED DESCRIPTION OF THE INVENTION
Hereinafter, an embodiment of a point privilege providing system according to the present invention will be described with reference to the drawings, taking a point service in an insurance transaction as an example.
[0026]
FIG. 1 is a system configuration diagram showing an embodiment of a point privilege providing system according to an embodiment of the present invention.
[0027]
As shown in FIG. 1, the point privilege providing system according to the present embodiment includes an insurance system center 20, a DB center 30, an insurance system center operated by an insurance company such as a life insurance company, in a network 10 including a telephone network and the Internet. The access center 40, the service provider 50, the personal computer 60, the telephone 70, and the application postcard 80A that receive and operate through various communication means under the name of the insurance company 20 operator are received and the received application postcard A first logistics center (LS1) 80 for transferring 80A information to the access center 40 and a second logistics center (LS2) 90 for notifying various information in writing to the benefit use applicant and contractor are connected. ,It is configured.
[0028]
In FIG. 1, an insurance system center 20, a DB center 30, an access center 40, and a second logistics center (LS2) 90 function as a point management side, a service provider 50 functions as a privilege providing side, a personal computer 60, a telephone 70 The first logistics center (LS1) 80 functions as a privilege use applicant.
[0029]
FIG. 2 shows a connection relationship between the system elements in FIG. 1, and the insurance system center 20 cooperates with the access center 40 and the DB center 30.
[0030]
The insurance system center 20 includes various data such as insurance policyholder data, insurance type data for each policyholder, insurance amount data for each policy insurance, duration data for each policy insurance, and data with or without a linked contract for each policyholder. And at least twice a year, for example, in March and September, at the time of point determination, the point determination and issuance will be made based on the insurance transaction data for details, and also when new or additional contracts are made An insurance transaction database 21 for performing the determination and a WEB server 22 are included.
[0031]
The DB center 30 is linked with the insurance system center 20, the access center 40, the service provider 50, and the second logistics center (LS2) 90.
[0032]
This DB center 30 has a function for holding member authentication ID information and information on the number of points for each member, and the contents and benefits provided for each benefit use applicant as feedback information from the access center 40. A function for receiving information on the number of points redeemed for provision, a function for receiving point addition information for each benefit use applicant by browsing the web, and the second logistics center (LS2) at the time of point grant, at the time of benefit provision, or at any time 90 to execute a function for instructing the contractor in writing the number of points, confirmation of the provided benefits, and notification of various information. These functions are a point management database 31 and a WEB server. 32. The member authentication ID information is held in the point management database 31 of the DB center 30.
[0033]
Here, the member is an insurance contractor who is qualified to receive this service, for example, a contractor to whom a number of points exceeding a certain value has been issued. The privilege use applicant is an individual who accesses the WEB server 32 via the access center 40 or the insurance system center 20 of the present system.
[0034]
Accordingly, when the access center 40 is authenticated by the access center 40 that the benefit use applicant is a policyholder and is a member who is qualified to receive the service, the access center 40 uses the benefit use by the benefit use applicant. The application is connected to the service provider 50.
[0035]
The access center 40 cooperates with the benefit use applicant, the insurance system center 20, the DB center 30, and the service provider 50.
[0036]
This access center 40 includes an automatic voice response device 41 using a PBX, IVR, and CTI server and an operator terminal 42 using a CTI terminal. Benefit use by a benefit use applicant through a telephone 70 and a first logistics center (LS1) 80 is used. The application is accepted under the name of the insurance company that is the operator of the insurance system center 20.
[0037]
In addition, when the access center 40 receives the privilege use application, refers to the data of the member authentication ID information with respect to the DB center 30, and authenticates the member who is a qualified person who receives this service by referring to the data. Then, the benefit use application by the benefit use applicant is connected to the service provider 50.
[0038]
Terminals on the benefit use applicant side include a personal computer 60 that can enjoy the Internet function, a telephone 70, and a first logistics center (LS1) 80 that receives the application postcard 80A.
[0039]
The telephone 70 and the first logistics center (LS1) 80 that receives the application postcard 80A are linked to the access center 40.
[0040]
The personal computer 60 is installed in the benefit use applicant individual, etc., accesses the WEB server 32 of the DB center 30 via the WEB server 23 of the insurance system center 20, and applies for use of the benefit on the WEB screen 60A shown in FIG. 5, for example. To access.
[0041]
The telephone 70 is connected to the automatic voice response device 41 of the access center 40, and access to the benefit use application is performed by voice authentication by the automatic voice response device 41, member authentication, selection of service content, and telephone transfer to the service provider 50. Is called.
[0042]
The first logistics center (LS1) 80 includes an entry terminal 81, decodes the application postcard posted from the privilege use applicant, and inputs data as an access to the privilege use application by the entry terminal 81.
[0043]
When the benefit use applicant's terminal is the personal computer 60, the benefit use applicant accesses the WEB server 32 via the WEB server 23 of the insurance system center 20 using the personal computer 60, and the benefit use application. Service provider 50 uses the benefit by the benefit use applicant when the point management database 31 and the WEB server 32 authenticate that the member is a policyholder who is a qualified member of the service. Application is possible.
[0044]
Similarly, when the benefit use applicant accesses the access center 40 via the telephone 70 or the first logistic center (LS1) 80 that receives the application postcard 80A, the benefit use applicant is an insurance policyholder. In addition, when it is authenticated that the member is a qualified person who receives this service, the service provider 50 can make a privilege use application by the privilege use applicant.
[0045]
In addition to this, when the privilege use applicant accesses the service provider 50 directly by the telephone 70, the access terminal 52 of the service provider 50 accesses the WEB server 32. Thus, even when the privilege use applicant accesses the service provider 50 directly by the telephone 70, the DB center 30 refers to the member authentication ID information held in the point management database 31 and applies the privilege use application. If the person who is a policyholder is a member who is an insurance contractor and is qualified to receive the service, the service provider 50 can apply for the benefit use by the benefit use applicant.
[0046]
The member authentication in the WEB server 32 of the access center 40, the DB center 30 and the authentication server 53 of the service provider 50 is performed by matching the ID numbers given in advance to members who are qualified persons who receive this service. Therefore, it is assumed that the privilege use applicant presents an ID number on the WEB screen 60A, the telephone 70, or the application postcard 80A.
[0047]
The service provider 50 cooperates with the access center 40 and the DB center 30.
[0048]
This service provider 50 includes a telephone 51, an access terminal 52, and a WEB server 53, and provides goods by point exchange to members who are privilege use applicants, insurance contractors, and qualified persons who receive this service. Service provision is available.
[0049]
On the other hand, the second logistics center (LS2) 90 includes a data printer 91, and provides various notifications such as notification of ID numbers to the privilege use applicant, contractor or member from the point management side. .
[0050]
Next, the flow of point processing performed on the point management side will be described with reference to FIG.
[0051]
FIG. 3 shows the entire flow of point processing.
[0052]
In step S1 of FIG. 3, the total number of points for each contractor is calculated according to the above-described point calculation method every six months after this point determination process, that is, for example, in March and September. This point determination process is a process performed by the insurance transaction database 21 of the insurance system center 20. In this process, a contractor with 500 points or more is made a member.
[0053]
Step S2 is a point issue process, and if determined in the point determination process in step S1, this fact is registered in the DB center 30 together with the insurance system center 20 together with the ID number of the contractor having 500 points or more. .
[0054]
Steps S3 and S4 are point addition processing. When a member browses a predetermined WEB page of the WEB server 32 of the DB center 30 and provides personal information, for example, the predetermined number of points is given to the number of points. Addition is performed.
[0055]
Steps S5 and S6 are point subtraction processing. When a member receives a benefit through the service provider 50, information regarding the number of points corresponding to the received benefit is fed back from the service provider 50 to the DB center 30, Based on this information, the number of points corresponding to the privilege is held and subtracted from the number of points.
[0056]
The series of processing of each step described above is performed every half year period from the first day of April to the end of September or from the first day of October to the end of March in step S7.
[0057]
Next, the privilege use application operation for each terminal on the privilege use applicant side and the point management method associated with the operation will be described under the above point privilege providing system.
[0058]
FIG. 4 shows an example of the privilege use application operation and the point management associated with the operation when the privilege use applicant's terminal is the personal computer 60.
[0059]
As shown in FIG. 4, the privilege use application operation of this example is performed by operating a personal computer 60 by a privilege use applicant who is a customer.
[0060]
A customer operates the personal computer 60 to access the WEB server 32 of the DB center 30 via the WEB server 23 of the insurance system center 20. The personal computer 60 is called a WEB screen 60A shown in FIG. This processing operation functions as reception to the system, and this WEB screen 60A is a guidance display by the name of the insurance company.
[0061]
In the WEB screen 60A, reference numeral 61 is a guide symbol, and reference numeral 62 is a column for inputting a member ID number. Reference numeral 63 is an ID number storage field for omitting the input of the ID number at the time of the next use application. Reference numeral 64 is a column that allows progress to the next page, and is activated when a member of the privilege providing service is authenticated by the ID number input in the ID number input column 62 and the column 64 is operated. Reference numeral 65 is a column for correcting or re-operating the erroneous operations in the respective columns 62 to 64.
[0062]
When the privilege use applicant inputs a member-specific ID number that has been issued in advance in the column 62 and, for example, a confirmation screen shown in FIG. 6 is displayed (processing 101), the WEB server 32 has the point management database 31. The data is referred to (process 102). As a result, when the ID number input in the ID number input field 62 is subjected to member authentication (process 103), the input of the field 64 is awaited. In this case, if the member ID is not authenticated, an error display instruction is sent to the personal computer 60 (process 104).
[0063]
Next, it becomes the input operation of this column 64 by the privilege use applicant and the process of the WEB server 32, and the following series of operations and processes are performed. That is, in response to an input operation by a privilege use applicant, a menu screen display (process 105), a menu screen display instruction (process 106), a privilege selection operation corresponding to this (process 107), a remaining point confirmation (process) 108), reference of the remaining points from the point management database 31 (process 109), error display on the personal computer 60 (process 110), display of application contents (process 111), instruction to the personal computer 60 (process 112) , Response operation from personal computer 60 (process 113), confirmation of application content (process 114), error display instruction to personal computer 60 (process 115), process for sending e-mail (process 116), point management Updating the number of points for the database 31 (process 117) End display (processing 118), e-mail transmission (process 119) to the access terminal 52 of the service provider 50, is performed.
[0064]
Here, FIG. 6 is an example of a confirmation screen such as an ID number and the number of remaining points displayed during the above-described operation and processing, and the screen is displayed on the personal computer 60. FIG. 7 is an example of a confirmation screen displayed on the personal computer 60 after the privilege selection. Further, FIG. 8 is an example of a screen for confirming the content of e-mail transmission.
[0065]
Based on the application information transmitted by the e-mail transmitted in the process 119 described above, the benefit is provided to the benefit use applicant through the provision of the benefit and the aggregation of the data of the number of points (process 120) (process 121). ).
[0066]
Here, at least the WEB server 23 of the database center 30 and the access terminal 52 of the service provider 50 connected to each other via the network 10 send and receive e-mails, preferably e-mails with encrypted data. The necessary information has been exchanged.
[0067]
As described above, in the system shown in FIGS. 2 and 4, necessary information is exchanged between the WEB server 23 of the database center 30 and the access terminal 52 of the service provider 50 by sending and receiving e-mail with encrypted data. Therefore, the confidentiality of data communication can be secured and communication required for point management can be realized at low cost.
[0068]
As described above, in this embodiment, it is only necessary to request the customer to input an ID number or the like once while realizing transmission and reception of necessary information by sending and receiving e-mail with encrypted data under low cost and high confidentiality. Therefore, high security can be achieved without increasing the operational burden on the customer.
[0069]
Next, with reference to FIG. 9 and FIG. 10, another example of the privilege use application operation when the terminal on the privilege use applicant side is the personal computer 60 and point management associated with the operation will be described.
[0070]
The configuration in FIG. 9 includes a new WEB server 53 ′ instead of the WEB server 53 in FIG. This WEB server 53 ′ holds information equivalent to the member authentication ID information held in the point management database 31 of the DB center 30, so that the service provider 30 can perform member authentication processing. It is a thing.
[0071]
That is, the privilege use application operation of this example is performed as shown in FIG. That is, as in FIG. 2 and FIG. 4, the customer operates the personal computer 60 to access the WEB server 32 of the DB center 30 via the WEB server 23 of the insurance system center 20. The personal computer 60 is called a WEB screen 60A shown in FIG. This processing operation functions as reception to the system, and this WEB screen 60A is a guidance display by the name of the insurance company, as in FIGS. When the privilege use applicant inputs a member-specific ID number issued in advance in the column 62 and, for example, the confirmation screen shown in FIG. 6 is displayed (process 122), the WEB server 32 is the point management database 31. The data is referred to (process 123). As a result, when the ID number input in the ID number input field 62 is subjected to member authentication (process 124), the input of the field 64 is awaited. In this case, if the member ID is not authenticated, an error display instruction is sent to the personal computer 60 (process 125).
[0072]
Next, it becomes the input operation of this column 64 by the privilege use applicant and the process of the WEB server 32, and the following operations and processes are performed. Selection of a site or the like in the service provider 50 is performed under the screen display exemplified in FIGS. 5 to 8, and the information is transferred from the database center 30 to the service provider 50 (process 126). The access terminal 52 of the service provider 50 receives information added by the customer from the personal computer 60 (process 127).
[0073]
As described above, the service provider 50 transfers the member authentication information and the information related to the selection of the site and the benefits from the database center 30, and the WEB server 53 'holds the inherited information in advance. The member authentication is performed again with reference to the ID information for authentication of the member. Here, input operations such as error display, correction data request, and privilege selection are performed as necessary (processing 128 and 129).
[0074]
In the process 128 described above, the screen of the personal computer 60 has moved to the service provider 50, and the privilege use applicant selects a desired privilege by operating the screen of the personal computer 60 moved to the service provider 50, and The privilege is provided to the benefit use applicant through the provision and aggregation of the data of the number of points (processing 130) (processing 131).
[0075]
Here, at least the WEB server 23 of the database center 30 and the access terminal 52 of the service provider 50 connected to each other via the network 10 send and receive e-mails, preferably e-mails with encrypted data. The necessary information has been exchanged.
[0076]
As described above, in the system shown in FIG. 9 and FIG. 10, similar to the system shown in FIG. 2 and FIG. 4, the necessary information is transferred to the WEB server 23 of the database center 30 by the transmission / reception of data-encrypted e-mail. Since data is exchanged with the access terminal 52 of the provider 50, data communication security can be protected and communication required for point management can be realized at low cost.
[0077]
Further, the benefit use applicant who is a customer inputs information such as an ID number on the screen displayed by the WEB server 23 of the database center 30 only once. Then, the information is taken over from the database center 30 to the service provider 50 and used for authentication at the WEB server 53 of the service provider 50. Therefore, since the member authentication process is performed not only by the WEB server 23 but also by the WEB server 53 of the service provider 50, a high level of security protection is realized. This is because, when an unauthorized access person tries to illegally access the service provider 50 directly without causing an increase in the burden of operation by the customer, a double check is performed by the authentication at the database center 30 and the authentication by the service provider 50. As a result, a simple and safe system is constructed.
[0078]
Next, with reference to FIG. 11, a privilege use application operation and a point management method associated with the operation when the terminal on the privilege use applicant side is the telephone 70 under the system configuration shown in FIG. 2 will be described.
[0079]
As shown in FIG. 11, the privilege use application operation of this example is performed when the privilege use applicant operates the telephone 70.
[0080]
When the privilege use applicant operates the telephone 70 to call the access center 40 (processing operation 201), the privilege use applicant uses the privilege via voice guidance by the name of the insurance company by the automatic voice response device 41 of the access center 40. Application access is made.
[0081]
When the privilege use applicant replies the member-specific ID number issued in advance by the telephone 70 by voice or button operation, the automatic voice response device 41 recognizes this and the access center 40 asks the DB center 30 for it. Then, data reference is made for the member authentication ID information (processing operation 202).
[0082]
When the access center 40 performs member authentication of the ID number answered by the privilege use applicant by referring to the data by the processing operation 202, the access center 40 can input to the service provider 50 via voice (processing operation 203).
[0083]
Through the processing operation 203, the privilege use applicant can specify a privilege provider's site and select a desired privilege.
[0084]
When the privilege use application user performs a privilege provision selection operation, the service provider 50 points to the access center 40 according to the ID number and / or contractor information used for the privilege and the selected privilege. The number is transmitted as feedback information, and the ID number and / or information on the contractor using the privilege and usage history information are transmitted to the access center 40 (processing operation 204).
[0085]
The access center 40 transmits the feedback information to the DB center 30 (processing operation 205). The DB center 30 subtracts a predetermined point from the number of points possessed by the member who is the privilege use applicant based on the feedback information.
[0086]
In addition, various information is exchanged among the insurance system center 20, the DB center 30, and the service provider 50 (processing operations 206 and 207).
[0087]
It should be noted that the same processing as described above is also performed when the privilege use applicant operates the telephone 70 to directly access the telephone 51 of the service provider 50 and access the WEB server 32 with the access terminal 52 to perform member authentication. (Processing operations 208 and 209).
[0088]
Next, with reference to FIG. 7, in the system configuration shown in FIG. 2, the privilege use application operation when the terminal on the privilege use applicant side is the first logistics center (LS1) 80 and the point management method associated with the operation Will be explained.
[0089]
As shown in FIG. 12, in the privilege use application operation of this example, the benefit use applicant has posted an application postcard 80A in which the name of the insurance company is described, and this has been received by the first logistics center (LS1) 80. (Processing operation 301).
[0090]
It is assumed that the application postcard 80A posted by the privilege use applicant describes the member-specific ID number, the privilege name to be provided, or the site name when the privilege is a right to participate in a specific site, for example. The first logistics center (LS1) 80 that has received the application postcard 80A decrypts the application postcard 80A and inputs data to the access center 40 as an access to the benefit use application by the entry terminal 81 (processing operation 302).
[0091]
The access center 40 selects a privilege name described in the application postcard 80A and a site name to participate when the privilege use applicant authenticates the ID number described in the application postcard 80A by referring to the data by the processing operation 303. The provider 50 is instructed (processing operation 304).
[0092]
Through the processing operation 304, the privilege use applicant can specify a privilege provider site and select a desired privilege.
[0093]
When the privilege use application user performs a privilege provision selection operation, the service provider 50 points to the access center 40 according to the ID number and / or contractor information used for the privilege and the selected privilege. The number is transmitted as feedback information, and the ID number and / or information on the contractor using the privilege and the usage history information are transmitted to the access center 40 (processing operation 305).
[0094]
The access center 40 transmits the feedback information to the DB center 30 (processing operation 306). The DB center 30 subtracts a predetermined point from the number of points owned by a member who is a privilege use applicant based on the feedback information.
[0095]
Various information is exchanged among the insurance system center 20, the DB center 30, and the service provider 50 (processing operations 307 and 308).
[0096]
The point privilege providing system of the present embodiment has the following effects. That is, a personal computer 60, a telephone set 70, and an application postcard 80A are prepared as terminals on the benefit use applicant side in the system of the present embodiment. As a result, the benefit use applicant can apply for the benefit use to the access center 40 easily using desired communication means such as the personal computer 60, the telephone 70, and the application postcard 80A, and the access center 40 operates the insurance system center 20. Since it is accepted in the name of the insurance company that is the policyholder, it is possible to increase the intimacy between the policyholder and the insurance company and the insurance company, and expect a reduction in the contract cancellation rate. Is.
[0097]
Note that the telephone 70 referred to in the above example includes a telephone with a facsimile device. In this case, the privilege use applicant and the access center 40 accept a privilege use application by voice, text, or the like. Is.
[0098]
Further, in the system of this embodiment, the point determination and the point re-determination by changing the insurance transaction data are performed by the insurance system center 20, and the DB center 30 performs only point management. The external leakage of various data such as insurance transaction data held by the insurance system center 20 operated by is prevented as much as possible.
[0099]
Furthermore, in the system according to the present embodiment, the DB center 30 receives data related to the number of points received from the insurance system center 20 and feedback information from the access center 40 and the service provider 50. Can know the trend of members who are contractors based on such information.
[0100]
The DB center 30 can communicate directly with the member who is a contractor through the access center 40 and the second logistics center (LS2) 90 by screen, voice, written document, etc. The contract cancellation rate can be expected to decrease.
[0101]
The contents of access to the service provider 50 by the personal computer 60, the telephone 70, and the first logistics center (LS1) 80 that function as a privilege use applicant and the provision of the privilege include images, sounds, and characters used as communication means. Although there is a difference due to the restrictions of the web server 23 and 32 and the characteristics of the access center 40, the same access and the same can be achieved using any of the personal computer 60, the telephone 70 and the first logistics center (LS1) 80. It is also possible to receive the provision of benefits.
[0102]
The point privilege providing system described above is exemplified by a point service in insurance transactions, but can be applied to a point service in providing various services and selling goods.
[0103]
In the above point privilege providing system, communication between the DB center 50 and the service provider 30 is performed by encrypted e-mail, but the customer's personal computer 60, the DB center 50, and the service provider. 30 and at least two of the insurance system center 20 may perform communication by encrypted electronic mail.
[0104]
Further, when the information regarding the consumed points or the like is fed back from the service provider 30 to the DB center 50, the point management database 31 of the DB center 50 is reached via the access center 40. The point management database 31 may be reached directly from 30 without going through the access center 40. In addition, the mode of data update processing of the point management database 31 may be either batch processing or real-time processing.
[0105]
Further, in this embodiment, the access center 40 sequentially collects feedback information from the service provider 30 and then updates the data in the point management database 31 of the DB center 50 by batch processing. This is because the DB center 50 is configured as a machine room where no maintenance personnel are present and the access center 40 is configured such that maintenance personnel exist, and the access center 40 substantially manages the operation, thereby performing centralized management. In addition, the operation cost can be reduced.
[0106]
【The invention's effect】
As described above, the present invention has the following effects.
[0108]
Book According to the invention, since the privilege application information to be transmitted from the point management side to the privilege providing side is transmitted / received by e-mail, communication required for point management can be realized at low cost.
[0110]
Book According to the invention, since the electronic mail in claim 1 is encrypted, the security of data communication is protected.
[0112]
The present invention According to the above, even if the benefit use applicant side inputs member identification information on the screen generated by the point management side once and member authentication is performed, even if the screen transitions from the point management side to the privilege providing side Since the member authentication information authenticated on the point management side is taken over to the privilege providing side, the privilege providing side can shift to the service provided by the privilege providing side without performing the member authentication again, High confidentiality protection is realized without increasing the operation burden on the privilege use applicant.
[0114]
Book According to the invention, the privilege use applicant side inputs the member information on the screen displayed by the point management side only once, takes over the information from the point management side to the privilege provision side, and uses it for authentication on the privilege provision side. It is done. Therefore, since the member authentication processing is performed on the privilege providing side in addition to the point management side, a high level of security protection is realized. This is a double check between the authentication on the point management side and the authentication on the privilege provider side when an unauthorized access person tries to access the privilege provider illegally without increasing the burden of operations by the customer. As a result, a simple and safe system is constructed.
[0116]
Book According to the invention , Special By holding information for member authentication on the data provider side, member authentication processing can be performed only on the privilege provider side without going through the network, which can improve the authentication speed and reduce the operation cost It is.
[0118]
Book According to the invention, the screen before transfer and the screen after transfer can be made substantially the same, so that the same operating entity can be recognized on the benefit use applicant side, and intimacy between members and operators Will be achieved.
[Brief description of the drawings]
FIG. 1 is a system configuration diagram showing an embodiment of a point privilege providing system according to an embodiment of the present invention.
FIG. 2 is a view showing a connection relationship between elements in the point privilege providing system according to the embodiment;
FIG. 3 is a flowchart of point management according to the embodiment.
FIG. 4 is a view showing an operation when accepted by the personal computer in the embodiment;
FIG. 5 is a view showing an example of a reception screen in the embodiment.
FIG. 6 is a view showing an example of an authentication confirmation screen in the embodiment.
FIG. 7 is a view showing an example of a privilege application acceptance screen in the embodiment.
FIG. 8 is a view showing an example of the contents of an electronic mail in the embodiment.
FIG. 9 is a system configuration diagram showing another embodiment of the point privilege providing system according to the present invention.
FIG. 10 is a view showing an operation when accepted by the personal computer in the embodiment;
FIG. 11 is a diagram showing an operation in the case where a telephone is accepted under the system configuration shown in FIG. 2;
FIG. 12 is a diagram showing an operation when an application postcard is received under the system configuration shown in FIG. 2;
[Explanation of symbols]
10 network
20 Insurance System Center
21 Insurance Transaction Database
22 WEB server
30 DB (Database) Center
31 point management database
32 WEB server
40 access center
41 Automatic voice response device
42 Operator terminal
50 Service Provider
51 telephone
52 Access terminal
53,53 'WEB server
60 Personal computer
70 telephone
80 First Logistic Center (LS1)
81 entry terminal
90 Second Logistic Center (LS2)
91 Data printer

Claims (3)

A point management-side device connected via a network to a terminal of Privilege utilization applicant side, at the point privilege supply system and a privilege providing server that holds information about the number of points corresponding to the privilege,
The point management side device
A point management database that holds ID information for member authentication and information on the number of points for each member;
And means for displaying the award selection screen for the selection operation of the authentication image Men及 beauty the privilege of receiving the input of the Board staff authentication for ID information on the benefits available application's side of the terminal,
When said member authentication ID information to the authentication screen is input, the data reference to said point management database, the member authentication section that performs membership authentication by determining whether the associative membered authentication ID information coincide,
After authentication by the member authentication unit, if the privilege selection information about the selection of benefits to the award selection screen is inputted, the member ID for authentication information input by the privilege usage applicant side terminal and the said privilege selection information Transfer means for transferring to the privilege providing server;
After the transfer by the transfer means, when receiving the member authentication ID information and the number of points to be subtracted from the privilege providing server, the point management database holds the member authentication ID information based on the member authentication ID information. A means for subtracting the number of points of the member ;
The privilege providing server is
Storage means for holding information equivalent to the member authentication ID information held in the point management database;
When the ID information for member authentication is transferred from the point management side device , the privilege providing side authentication means for referring to data in the storage means and performing member authentication depending on whether or not the member authentication ID information matches, ,
If the member authentication ID information matches as a result of authentication by the privilege provider authentication means, the number of points to be subtracted according to the privilege is calculated based on the privilege selection information transferred from the point management device. A point privilege providing system comprising: means for transmitting to the point management side device together with member authentication ID information . Transfer means of the point management side apparatus transfers the membership authentication ID information and privilege selection information input by the privilege usage applicant side terminal, the privilege providing server by e-mail via the network electronic mail points privilege supply system according to claim 1, characterized by comprising a transfer means. The e-mail transfer means comprises means for encrypting data and sending it by e-mail,
The point privilege providing system according to claim 2, wherein the privilege providing server includes means for decrypting the encrypted electronic mail.

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