JPH05225221A - Point service system by bank pos - Google Patents

Abstract

PURPOSE:To improve customer service by adding point service to a bank POS system. CONSTITUTION:A cash card 1 is provided with a magnetic stripe part 2 for recording data required for bank jobs and an IC chip part 3 for recording point data corresponding to the amount of money paied by a customer at any member shop. In the case of shopping at any member shop by the cash card 1, data in the magnetic stripe part 2 are transmitted through a POS terminal equipment 4 to a host computer 7 at the bank, a transfer processing from the deposit account of the customer to the deposit account of the member shop is executed concerning the paid amount and at the same time, point data corresponding to the paid amount are written in the IC chip part 3. When stored point data reach a prescribed value, service is provided to the customer and when the service is provided, a service point is subtracted from the number of stored points.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a point service system by a bank POS in which a point service is added to a bank POS system.

[0002]

2. Description of the Related Art A bank POS system has hitherto been known as a purchase / settlement system for products using a bank cash card. In this bank POS system, a POS terminal installed in a retail store (member store) and a host computer of a bank are connected by a communication line, and the terminal of the member store reads a customer's cash card and inputs a personal identification number. At the same time, it is a system for executing real-time transfer of the purchase price of a product from a customer deposit account to a member store deposit account. In addition, this bank POS system is a CAFIS (Credit And Finance Information S) provided by NTT Data Communications Co., Ltd.
By connecting to a bank host processing agent system such as ystem) and transferring the data accumulated in this agent system to the bank host computer at the same time as the start of bank business, a 24-hour service is possible. be able to.

On the other hand, within a specific group such as a shopping district, points are given at a predetermined rate in the form of, for example, a service ticket or a stamped stamp according to the purchase price, and the customer adds up the points to determine a predetermined value. Customer service (point service) that allows the service to be received is generally performed. Further, such point service is performed using a magnetic card or an IC card, for example, in Japanese Patent Publication No. 2-34079 and Japanese Patent Application Laid-Open No. 2-306398. In the systems described in these publications, the point data corresponding to the transaction amount of the customer is written in the information recording unit of the magnetic card or IC card by the POS terminal of each member store, and the point data is received when the customer receives the service. Is subtracted. In addition, as for the point service, it is also known that a credit card user is provided with points in the form of a service ticket according to the usage amount when sending the usage statement.

[0004]

By the way, the above-mentioned bank P
According to the OS system, users can make payments in their own bank accounts without having cash when purchasing products at member stores.
In addition, for banks and member stores, there is an advantage that this can be a new customer service to strengthen transactions. However, in the conventional bank POS system, the merit that the customer receives is merely that cashless shopping is possible, and no consideration has been given to the provision of additional services. In reality, it is not a substitute for the credit card system that has been widely used in the past.

The point service is generally provided as described above as an additional service at the time of shopping at a store that constitutes a specific group or when using a credit card. As a result, the method of allocating points in the form of a service ticket has problems such as loss of the service ticket and troublesome work of attaching it to the organizer. If a magnetic card or the like for processing is separately issued, there is a problem that the handling of the card is complicated.

The present invention has been made in view of the above circumstances, and makes it possible to add a point service to a bank POS system without complicating card handling, thereby providing customer service. It is an object of the present invention to provide a point service system by a bank POS that can improve the service.

[0007]

[Means for Solving the Problems] Bank POS according to the present invention
In the point service system according to the above, a cash card having a magnetic stripe portion for recording data necessary for banking business is provided with a point data recording portion for recording point data according to a customer's payment amount at a member store, Using a POS terminal installed in the member store by using a card, the payment amount of the customer is transferred from the customer's deposit account to the deposit account of the member store. It is characterized in that the point data is added according to the payment price and the point data is subtracted according to the service received by the customer.

[0008]

[Function] When a customer uses a cash card to shop at a member store, the data recorded in the magnetic stripe portion of the cash card is read to temporarily store the data online or in a processing agent system of a bank host. Through the data accumulation, the transfer processing from the customer's deposit account of the payment amount of the customer at the member store to the deposit account of the member store is performed. At the same time, point data corresponding to the customer's payment price is written in the point data recording section of the cash card. Then, when the point data accumulated in the cash card reaches a predetermined value, a service such as a gift certificate corresponding to the accumulated points is provided to the customer. Also, when receiving this service,
The received service points are subtracted from the number of points accumulated in the point data recording unit.

[0009]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Embodiments will be described below with reference to the drawings.

FIG. 1 shows a bank POS according to an embodiment of the present invention.
3 is a system configuration diagram of a point service system according to FIG.

This embodiment is applied to a bank POS system including a bank and each member store of a particular shopping mall affiliated with the bank, and the cash card 1 used in the system is a magnetic stripe part. 2 is provided, and the IC is provided on the lower side of one side of the magnetic stripe portion 2.
An IC chip portion 3 formed by embedding a chip is provided. Here, the IC chip section 3 is assumed to have only a memory function, thereby reducing the cost of the card. Various data necessary for normal banking operations are recorded in the magnetic stripe portion 2 of the cash card 1, and the IC chip portion 3 is provided in each member store in order to provide services to customers in the shopping district. The point data corresponding to the transaction amount of the customer is recorded.

[0012] At the member stores, POS terminals (POS terminals)
A cash register 4 and a card reader / writer 5 attached thereto are installed. The card reader / writer 5 includes a magnetic stripe portion 2 and an IC chip portion 3 of a cash card 1.
The data recorded in each of the
The point data according to the transaction amount of the user is written in the C chip unit 3. The POS terminal 4 is connected to the CAFIS 6 via a public line, and the CAFIS 6 is connected to the host computer 7 of the bank by, for example, a dedicated line.

The CAFIS 6 is provided with a sales file for accumulating sales data transmitted from member stores and a customer file for accumulating customer data. On the other hand, the account file in the host computer 7 of the bank has a customer account and a member store account, respectively. The CAFIS 6 switches the data transmitted from the member store when the host computer 7 of the bank is in the online state, and when the host computer 7 of the bank is in the offline state, the sales data transmitted from the member store is converted by the data in the customer file. The check is performed, the sales data is stored in the sales file, and when the bank host computer 7 starts the online service, the data stored in the sales file is transmitted to the bank host computer 7.

The POS terminal 4 of each member store is also connected to a host computer 8 installed in the office of the mall for processing the point service. The host computer 8 of this secretariat collects and records the point data transmitted from the POS terminal 4 of each member store for each customer, and also calculates the total number of service points given to the client by the member store. Record.

In the above system, first, the cash card 1 is issued from the bank to the user of the bank POS system. In that case, the user's personal identification number,
Data such as bank number, store code, account number are recorded,
As a result, the user inserts the cash card 1 into the CD machine of the bank and uses the cash card 1 to pay cash from his or her deposit account.

When the user uses the cash card 1 to shop at a member store in a shopping mall affiliated with the bank, the user pays the cash card 1 at the cash register at the time of settlement of the shopping price. To present. The cashier of the member store inserts the cash card 1 into the card reader / writer 5 and reads the data recorded in the magnetic stripe portion 2, and at the same time, the user inputs the personal identification number.

The data read by the card reader / writer 5 in this manner is sent from the POS terminal 4 via the CAFIS 6 via the public line to the host computer 7 when the host computer 7 of the bank is online.
The funds are immediately transferred from the customer's account to the member store's account (sales payment settlement processing). On the other hand, when the host computer 7 of the bank is in a dormant state, that is, in an offline state, the CAFIS 6 checks customer data, accumulated usage limit, etc. based on the data of the customer file registered in advance to judge whether the sales can be made. Is stored in the sales file and returned to the POS terminal 4 of the member store. Then, when the bank host computer 7 starts the online service, the data of this sales file is sent to the bank host computer 7, and the host computer 7 transfers the data from the customer's account to the member store's account based on the data. Transfer funds.

Further, when the cash card 1 is inserted into the card reader / writer 5, a predetermined service point given according to the customer's purchase amount is recorded in the IC chip section 3 as point data. Here, this service point is to be purchased by each member store in advance from the secretariat of the shopping mall, and each member store is to be delivered to the customer within the range of the purchased points. The data about the service points given to the customer in this way is sent from the POS terminal 4 to the host computer 8 of the secretariat. Then, the host computer 8 collects the point data for each customer and calculates the total number of service points possessed by the member store.

When the point data accumulated in the cash card 1 reaches a predetermined value, the customer provides a gift certificate or a gift service corresponding to the accumulated points at the office (or a member store) in the shopping district. Can receive. When this service is received, the received service points are subtracted from the number of points accumulated in the cash card 1, and the point data for each customer of the host computer 8 of the secretariat is rewritten.

[0020]

Since the present invention is constructed as described above, the bank P can be used without the complexity of handling cards.
A point service can be added to the OS system, thereby improving customer service,
The bank POS system can be made more attractive.

[Brief description of drawings]

FIG. 1 is a system configuration diagram of a point service system using a bank POS according to an embodiment of the present invention.

[Explanation of symbols]

 1 cash card 2 magnetic stripe part 3 IC chip part 4 POS terminal 7 host computer 8 host computer

─────────────────────────────────────────────────── ─── Continuation of the front page (51) Int.Cl. ⁵ Identification code Office reference number FI technical display location // B42D 15/10 521 9111-2C

Claims (1)

[Claims] 1. A cash card having a magnetic stripe portion for recording data necessary for banking business, and a point data recording portion for recording point data according to a payment price of a customer at a member store, provided with the cash card. Using a POS terminal installed at the member store, transfer the payment amount of the customer from the customer's deposit account to the deposit account of the member store, A bank PO characterized in that point data is added according to the payment amount and point data is subtracted according to the service received by the customer.
Point service system by S.