JP2000207464A - Information distribution system utilizing internet - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an information distribution system which contributes to cost reduction and also effectively utilizes distributed use-detailed data. SOLUTION: This system which uses the Internet to distribute his/her card-use details to the user client of a credit card is provided with computers 1 and 2 for accumulation with accumulate the card use situation of the user client and generate use-details data within a fixed period and a computer 3 for distribution which distributes the accumulation data to each user client by electronic mail at a fixed interval.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an information distribution system for electronically distributing credit card usage details to members, and more particularly to an information distribution system that makes effective use of the Internet.

[0002]

2. Description of the Related Art In recent years, the spread of credit cards has been remarkable, and the fact is that most members of society have some kind of credit card, and are widely used for travel, shopping, eating, and the like. The money consumed by the credit card is usually debited from a predetermined bank every month, but prior to this withdrawal process, the card statement is sent to each member by mail, You can check your own card usage.

[0003]

However, with the increase in the number of card members, the cost of mailing the usage statement cannot be ignored, and if this cost can be reduced, the corresponding cost will be reduced to other costs. It can be converted to a service and is very preferable. At present, if the number of card members exceeds several million, the monthly mailing cost will be quite large. Even with the usage statement mailed at such a cost, the member may lose the paper at a later date, and the usage statement may be required again. Even if it is not lost, there are many cases where it is desired to list the usage status of the past one year. In such a case, simply arranging 12 months of usage statements was not sufficiently useful. .

[0004] Further, in the case of a corporate member who performs accounting processing by a computer or an individual member who makes effective use of household account book software, it is necessary to input the mailed usage statement data into the computer again. This effort and expense were not negligible. The present invention has been made in view of such circumstances, and has as its object to provide an information distribution system that contributes to cost reduction and that can more effectively utilize the distributed usage statement data.

[0005]

SUMMARY OF THE INVENTION In order to achieve the above object, the present invention provides a credit card member with:
A system for distributing a person's card usage statement using the Internet, comprising: a counting means for counting the member's card usage status and generating usage statement data within a certain period; and A distribution means for distributing to each member by e-mail is characteristically provided.
ADVANTAGE OF THE INVENTION According to this invention, the delivery cost of the usage statement which arises every month can be greatly reduced only by preparing the apparatus which distributes an electronic mail first. Further, since the usage statement information is distributed as electronic data, it can be effectively used in subsequent computer processing.

[0006] Preferably, the tallying means of the present invention, in addition to generating usage statement data within a certain period of time, analyzes the usage status of each member's card. It is preferable to attach appropriate advertisement information to the e-mail based on the above. In the case of adopting such a configuration, appropriate advertisement information corresponding to the actual conditions of the card use of each member can be distributed to each member at extremely low cost.
In addition, by providing "display means for displaying a list of card usage statement data of each member including the past on the Internet so that they can be browsed," it is possible to easily grasp the usage status from the past to the present. . Also, even if the past usage statement data is lost, the data can be immediately confirmed.

In such an information distribution system,
If "data transfer means for downloading the card usage statement data displayed in a list in response to a request from a legitimate member" is provided, the data can be taken into its own computer as electronic data. Regarding data formats that can be downloaded, text format, CSV format, P
If any one of the DF formats can be selected by the operation of the member, the convenience for the member is further enhanced.

[0008]

DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, the present invention will be described in more detail based on embodiments. FIG. 1 shows a schematic configuration of a card information transmission system SY according to an embodiment of the present invention. As shown in the figure, the card information transmission system SY includes a host computer 1 managed by a card company, a database server 2 connected to the host computer 1 to retrieve necessary information at regular intervals, and a database server by Ethernet or the like. 2 and a Web server 3 connected to the LAN. The Web server 3 is connected to the members' computers CP1 to CPn via the Internet.

The host computer 1 is also connected to terminal devices of stores S1 to Sm where shopping can be performed with a credit card issued by the card company, and when, who, where, what, and how much. Card usage information indicating whether the card has been purchased is sequentially input. The host computer 1 collects card usage information for each person on a monthly basis to create usage statement data. Here, the statement of use data includes, as shown in FIG. 2, for example, a card use date, a card use store, a card use amount, in addition to a member name, a member code, a member number, a member's bank, a billing amount, and the like. Etc. are included.

On the other hand, a database server 2 connected to the host computer 1 sequentially accumulates monthly usage statement data created by the host computer 1. The data input to the database server 2 may be performed via an appropriate storage medium or may be performed via a communication line. The data input from the host computer 1 is text data (file format is * .TXT). The database server 2 stores the text data, and also stores the text data in CSV format or PD.
The data is converted into F format data and stored together. Note that C
The SV format stands for Comma Separated Value Format, and most spreadsheet software supports this CSV format file. The PDF format is Portable Doc.
ument Format.

The database server 2 analyzes the card use tendency of each member based on the stored data of each member. The content of the analysis is not particularly limited.For example, each member mainly uses the card for what purpose, what kind of shop is often used for shopping, how many kinds of products are purchased, and how much. Is analyzed. By performing such analysis work, it can be used as basic information for direct mail via the Internet. On the other hand, the Web server 3 distributes monthly usage statement data as electronic mail to each Internet member at a predetermined time. This e-mail contains DM data (DirectMa
il data). The attached DM data may be generated based on the analysis work in the host computer 1, but is preferably generated based on the analysis work in the database server 2. Since the database server 2 can grasp the card use tendency of each member based on the usage statement data from the host computer 1, it is possible to distribute information considered to be particularly useful for each member.

The Web server 3 allows each member to enter his / her ID and password to view the current and past usage details data of each member. Therefore, for example, even when the usage statement data distributed by e-mail is lost, the usage statement data can be confirmed. In addition, since this Web server displays a list of usage statement data for the past several months,
This is also useful in that the past card usage status can be checked.

The usage statement data that can be browsed can be downloaded if necessary. The data to be downloaded is in TXT format, CSV
Since any data format of the PDF format and the PDF format can be arbitrarily selected, it is very effective when, for example, a corporate member or the like registers the use status in his or her computer. This Web server also introduces merchandise for mail-order sales, and each member can access this site for the purpose of browsing merchandise for mail-order sales. The Web server can analyze what products are often accessed, so that the Internet members can also know the tendency of the products that interest them.

Next, the card information transmission system SY having the above configuration will be supplementarily described focusing on the procedures of each member. Those who wish to receive their card usage statement by e-mail need to have their Internet member ID and password given at the time of contract with the card company, in addition to the usual member information such as card number. is there. The ID and the password are registered in the WEB server 3 together with personal information such as a card number. Usage details data is sent to Internet members every month by e-mail, so Internet members can not only reliably grasp their card usage status but also manage their expenditures using household account book software etc. In such cases, the necessary data can be passed directly to household account book software.

When the user wants to confirm the past usage statement data, the Internet member inputs the corresponding URL to the computer, and the web server 3
An HP (HomePage) established above can be accessed. As described above, the accessed H
In P, merchandise for mail order is introduced by type, but there is also a page for browsing the card usage status. If you enter your own ID or password on this page, you can view past usage statement data. In the form of a list. Then, when the user wants to obtain the usage statement data again, the user can download the usage statement data by indicating which month of data and in what data format he / she wants to obtain. As described above, the text format, the CSV format, and the PDF format can be selected as the data format. In the description of this embodiment, the usage specification data in each data format is prepared in the database server 2 in advance. However, the present invention is not limited to this method. May be used to convert the data format of the file.

[0016]

As described above, according to the present invention,
An information distribution system that contributes to cost reduction and can effectively utilize the distributed usage statement data can be realized.

[Brief description of the drawings]

FIG. 1 shows a schematic configuration of a card information transmission system SY.

FIG. 2 illustrates an example of a card usage statement.

[Explanation of symbols]

 SY information distribution system 1 Host computer (totaling means) 2 Database server (totaling means) 3 Web server (to distribute means)

Claims (5)

[Claims] [Claim 1] For a credit card member,
A system for distributing a card usage statement of a person using the Internet, comprising: a counting means for counting the card usage status of a member and generating usage statement data within a certain period; and An information delivery system, comprising: delivery means for delivering to each member by e-mail. 2. The aggregation means analyzes usage status data of each member, in addition to generating usage statement data within a certain period, and the distribution means performs appropriate processing based on the analysis result. 2. The information distribution system according to claim 1, wherein the advertisement information is attached to the electronic mail. 3. The information distribution system according to claim 1, further comprising display means for displaying a list of card usage statement data of each member on the Internet in a browsable manner, including past data. Characteristic information distribution system. 4. The information distribution system according to claim 3, further comprising a data transfer means for downloading the card usage statement data displayed in a list in response to a request from a valid member. Information distribution system. 5. The information according to claim 4, wherein said data transfer means downloads said card usage statement data in one of a text format, a CSV format, and a PDF format in response to a selection operation of each member. Delivery system.