JP2002297990A - Point managing system, point managing method, sales managing system and sales managing method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a point managing system in which a customer member can easily use obtained points to points issued to the customer member in accordance with usage results by a credit card company or each store administrator. SOLUTION: The point managing system is provided with a point managing means 500 managing points issued to the customer member by a point issuer, a point exchanging present mall 130 where the customer member 40 exchanges the obtained points with a present, and a settlement consigning means 132 consigning settlement of a difference in values of the obtained points and a present to a financial institution 30 as a load of the customer member 40 when the customer member 40 indicates an exchange with an expensive present in comparison to the obtained points at the point exchanging present mall 130.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a point management system and a point management method for points given to a customer by a point issuer such as a credit card company, an aircraft company, a gasoline sales company, and a department store. The present invention also provides
By tiering customers according to the point issuance status,
The present invention relates to a sales management system and a sales management method that can efficiently sell products for point issuers.

[0002]

2. Description of the Related Art Credit card companies issue points according to the credit card use results of customers. FIG. 15 is an explanatory diagram of point issuance by a conventional point issuer. Credit card companies give credits to customer members who have issued credit cards according to the card usage record, and exchange them for goods, hotel accommodation services, eating and drinking services, passenger transport services, etc. according to the point balance. And cash back. In addition, even for companies that provide consumer goods and services such as large-scale retailers, store member cards are issued to customer members for each store A and B to understand customer purchase trends and respond to purchase results. Points. Then, according to the point balance of the store member card, purchase discounts and presents at the stores A and B are provided.

[0003]

The issue of points is a necessary measure for a credit card company or each store in order to ensure the securing of repeat customers. However, mailing a gift list in which points can be exchanged to a customer member is a pressure factor for costs. For example, a credit card company has tens of millions of members, and if you mail a present list every month, the cost of printing the catalog, the cost of enclosing it in an envelope, and the mailing fee will be hundreds of millions of yen per month, and sales promotion This cannot be ignored as a cost for use. Furthermore, the selection of gifts for point exchange and the management of the shipping status of gifts in response to the exercise of points by customer members are directly related to the credit card company's original business of providing credit functions to customer members. It can not be said.

[0004] The same applies to store cards. Therefore, companies that provide consumer goods and services, such as large-scale retail stores, often issue the card as an affiliated card in cooperation with a credit card company. Also, in the case of affiliated cards, the number of customer members of the issuing company is often a small number compared to the number of members of the credit card company, so there is little possibility of enjoying economies of scale, and management of point issuance status There is a stronger demand to make the ratio of fluctuation as a cost.

[0005] On the other hand, the present selected by the credit card company is not always suitable for the customer's taste for the customer member, and therefore, the customer is often discarded without using the acquired points. Originally, cash back is desirable, but since points are reduced when exchanged for money, there is a problem that the cost burden is large for the credit card company and the feasibility is poor. In a typical point award system, one point is awarded for a purchase amount of 1,000 yen, and one point is exchanged for money or service at a conversion rate of, for example, about 0.5 yen. If the normal transaction cost is, for example, 50 yen at a time, there is a problem that the transaction cost is divided unless the transaction is exchanged in units of 100 points.

A first aspect of the present invention solves the above-mentioned problem, and obtains points issued by a credit card company or each store operator to a customer member according to the usage record in a manner easy for the customer member to use. The purpose of the present invention is to provide a point management system and a point management method for exercising points. Further, the second invention provides a sales management system and a sales management method for evaluating the contribution degree of a customer member based on the points issued by the point issuer to the customer member, and performing preferential treatment for a good customer. The purpose is to do.

[0007]

In order to achieve the above object, a point management system according to the first invention manages points issued by a point issuer to a customer member 40, as shown in FIG. Point management means 50
0 and a point exchange gift mall 130 in which the customer member 40 exchanges for a present according to the acquired points.
And customer member 4 at the point exchange gift mall 130
In the case where 0 indicates an intention to exchange for a gift that is higher than the acquired points, the settlement of the difference between the value of the acquired points and the present is entrusted to the affiliated financial institution 30 as a burden on the customer member 40. Means 132. Here, the payment entrustment means 132 pays the value to the point exchange present mall 130, collects the amount corresponding to the value from the customer member 40, or withdraws the amount from the bank account.

In the point management system configured as described above, the point issuer issues points to the customer members, manages the points acquired by the customer with the point management means 500, and stores the points in the point exchange gift mall 130. Accepts exchanges for gifts. In the exchange of points and gifts, by allowing the customer member to indicate the intention of exchanging for gifts that are expensive compared to the earned points, it is possible to exchange gifts that can be exchanged according to earned points like conventional practice The request of the customer member can be flexibly realized as compared with the case where the target is limited. In the point exchange gift mall 130, the difference between the acquired points and the expensive gift is paid by the customer member by the settlement commissioning means 132.

Preferably, the point issuer is the store 20,
Including at least one of the operators of the financial institution 30 and the point exchange present mall 130, the point exchange present mall 130 is issued by at least one point issuer of the store 20, the financial institution 30, and the operator of the point exchange present mall 130. It is preferable to have an acquired point recognition means 134 that treats the obtained points as acquired points. The earned point recognition means 134 facilitates customer member management and point issuer management at the point exchange present mall 130.

[0010] Preferably, the exchange value for the present of the acquired points is provided with a point exchange value setting means 136 which is set for each point issuer, and a point exchange method for each point issuer and a customer preferential measure are exchanged. Points at the present mall 130 can be used more easily.

In order to achieve the above object, the point management method according to the first invention receives points issued to a customer member by a point issuer as shown in FIGS. 8 and 9 (S114). When the customer member exchanges the acquired points for a present at a point exchange present mall, it is determined whether or not the intention to exchange for the present which is more expensive than the acquired points is displayed (S148);
When the intention of exchanging with the expensive gift is indicated, the difference between the gift and the acquired points is settled at the expense of the customer member (S150).

[0012] To achieve the above object, a sales management system according to the second invention, for example, as shown in FIG.
A point managing means 500 for managing points issued by the point issuer to the customer member; and a contribution degree of the customer member 40 to the point issuer based on the points issued by the point issuer to the customer member 40. Point calculating means 510 for calculating the member price, a member mall 110 for preferentially selling the product according to the contribution point of the customer member 40, and a customer member 40 at the member mall 110 according to the contribution point. Has a customer preferential measure database 520 that determines the contents of preferential treatment.

In the apparatus configured as above, the point management means 500 manages the points issued by the point issuer to the customer members, and manages the points as a flow of issuing points and consuming points. are doing. Contribution point calculation means 510 calculates contribution points based on the history of point issuance of the customer member, so to speak, manages the points as stock, and uses the issued points for sales management of the customer member. . The member mall 110 is a store that favors customer members, and preferably has a configuration that can be easily accessed at low cost by using communication means such as the Internet, overcoming time and distance barriers even for customers living remotely. Good. The customer preferential policy database 520 stores the member malls 110 according to the contribution points.
Stipulates the contents of preferential treatment for customer members.

Preferably, the customer preferential policy database 5
The preferential contents of the customer member specified in 20 are the member mall 11
If the communication of sales to the customer member 40 at 0 is made to fluctuate in accordance with the contribution point, advantageous sales information can be provided to good customer members earlier than to subordinate customer members. In addition, the preferential contents of the customer member defined in the customer preferential measure database 520 are the member mall 1
Assuming that the discount rate of the sales amount to the customer member 40 at 10 is adjusted according to the contribution point, an advantageous discount rate is applied to the excellent customer member and compared with the subordinate customer member. At an advantageous price.

Preferably, in the sales management system according to the second aspect of the present invention, further, an attribute authentication unit 170 for determining an attribute of the customer member 40 based on the purchase history of the customer member 40 in the member mall 110, and an attribute authentication unit 170 According to the attribute recognized by the member mall 40 of the customer member 40
Attribute matching access means 18 for adjusting access to
With the configuration including “0”, the access method of the member mall 110 can be adjusted based on the purchase history of the customer member so as to conform to the attribute of the customer member. The access method is to display a sales promotion display of the attribute on the top of the display screen of the member mall, for example, on the customer terminal of the customer member. Is displayed at the top of the display screen of the member mall.

Preferably, the attribute recognition means 170 uses a preference registered as personal information of the customer member 40 with respect to the point issuer as an element of attribute recognition, and based on the purchase history and preference of the customer member 40, The access method of the shopping mall 110 can be adjusted to suit the tastes of the customer members, and the attribute recognition means 170 can make individual adjustments more suited to personal tastes compared to the general adjustment of attributes. Becomes

In order to achieve the above object, the sales management method according to the second invention receives a point issued by a point issuer to a customer member as shown in FIG. 11 (S201); Based on the points issued by the issuer to the customer member, the contribution level of the customer member to the point issuer is calculated (S
202); There is a step of giving preferential sales of goods in the member mall in accordance with the customer preferential measure storage means according to the contribution points of the customer members (S208).

[0018]

Embodiments of the present invention will be described below with reference to the drawings. In the drawings, the same or corresponding members are denoted by the same or similar reference numerals, and duplicate description is omitted. FIG. 1 is a configuration diagram illustrating an embodiment of a point management system according to the present invention. Here, a case is shown in which a customer member 40 purchases a product or service online at a store 20 that has opened a store in the electronic mall 10, and makes a payment with a partner financial institution 30. The store 20 includes a sales section of the manufacturer, a distributor of the manufacturer, and a normal retail store.

In the figure, the electronic mall operation server 10
0 operates the electronic mall 10 and the electronic mall 1
A fee corresponding to the sales amount is collected for the store 20 opening at 0, and, for example, a customer who uses the electronic mall 10 is registered as a member and the purchase history of the customer is accumulated. In the electronic mall operation server 100, the member mall 110, the general mall 120, and the point exchange gift mall 1
The electronic mall 10 is operated in 30 categories. The member mall 110 is a mall that can be used by customer members who use the electronic mall 10. The general mall 120 is a mall that can be used not only by customer members who use the electronic mall 10 but also by persons who have not performed special member registration. The point exchange present mall 130 is a mall where the customer member 40 exchanges acquired points and presents. The presents exchanged at the point exchange present mall 130 may include products handled at the member mall 110 and the general mall 120.

Further, the settlement entrusting means 132 is a client member 40
Purchases goods at the member mall 110, the general mall 120, and the point exchange gift mall 13
In the case where the customer member 40 indicates the intention to exchange for the present which is higher than the acquired points at 0, the settlement of the difference between the value of the acquired points and the present is consigned to the settlement server 300 operated by the affiliated financial institution 30. Do it for Acquired point recognition means 134 includes a store 20, a financial institution 30,
Among the point issuers such as the operator of the point exchange present mall 130, points issued by the point issuer who has made a consignment contract for exchanging points and presents are treated as acquired points. Point exchange value setting means 13
No. 6 enables the exchange value of the acquired points for the present to be set to a different value for each point issuer. The point issuer can use the points issued for sales promotion by temporarily increasing the exchange value of the points.

The authentication device 140 determines that the customer member 40
In the case of purchasing a product at 0, when paying the price using a credit card or a bank card, the user is required to authenticate the validity of the credit card, the authentication of the debit card, and the like. Biological features such as a voiceprint, an iris pattern, and a fingerprint may be used for authentication of the user in addition to the password.

The store card reading terminal 200 is a terminal device that reads the member information recorded on the card when the customer member 40 pays the price at the store 20 using a credit card or a bank card. The store 20 issues, for example, a store card to the customer member 40 in order to register the customer as a member and facilitate customer management. Therefore, the shop card reading terminal 200 is provided with a function of accumulating maker points for use of the shop card and a function of managing the purchase history of the customer having the shop card. Preferably, the store card reading terminal 200 includes the store 2
It is desirable to connect a store server that manages sales at stores that physically open the store while managing sales at 0.

The settlement server 300 includes the partner financial institution 30
The customer member 40 pays the price using a credit card or a bank card at the store 20, the member mall 110, the general mall 120, or the point exchange present mall 130. In addition, it manages payment execution and debt collection status. When the affiliated financial institution 30 is a credit card company, for the purchase using the credit card of the customer member 40, the sales fee is paid directly to the store 20, or the billing fee is paid to the electronic mall 10, and thereafter, the customer member 40 A purchase price payment is received from 40. Partner financial institutions 3
If 0 is a bank, the payment of the purchase price is deducted from the customer account for the purchase of the customer member 40 using the debit card or the bank card, and then the bill is paid to the store 20 or the electronic mall 10.

The customer terminal 400 is a personal digital assistant (PDA) of the customer member 40 who has registered as a member in the electronic mall 10.
igital Assistance), PCs and mobile phone terminals that can be connected to the Internet. In addition, the customer member 40 has a plastic card or an IC card such as a store card, a credit card, a bank card, or a David card that stores personal authentication information of the customer (for example, a combination of a membership number and a password). Therefore, the personal authentication information of the customer member 40 is also stored in the customer terminal 400 and transmitted to the electronic mall operation server 100, the store card reading terminal 200, the settlement server 300, and the point management server 500 using the communication line 50. It also has the function of performing

An electronic computer suitable for large-scale information processing is used for servers used as the electronic mall operation server 100, the settlement server 300, and the point management server 500. For example, an Intel Pentium (CPU) is used for the CPU. (Registered trademark) processor or the like.
The communication line 50 may be configured so that information can be transmitted and received via the Internet using a voice line such as a telephone line or digital communication, or using a communication medium that is difficult for unauthorized access by a third party such as a dedicated line. Is also good.

The point management server 500 as point management means includes a customer-specific maker point transmitted from the shop card reading terminal 200, a customer-specific card point transmitted from the settlement server 300, and a customer transmitted from the electronic mall operation server 100. It receives the different electronic mall points (10) and manages the point balance for each customer. In addition, the point management server 500 manages the consumed point balance by the customer exercising the points (11) at the point exchange present mall 130 with the acquired points.

In the system configured as described above,
A case in which a customer member 40 purchases a product or service from a store 20 using the electronic mall 10 online will be described with reference to FIG. The customer member 40 is a customer terminal 40
Then, the user accesses the electronic mall operation server 100 using (0), and makes an application to the store card reading terminal 200 to purchase a product or service using the store card.
Upon receiving the sales price from the electronic mall 10, the store 20
Assigns maker points to the customer member 40 using the store card, and the point management server 5
At 00, the current maker point is reflected in the maker point for each customer.

The affiliated financial institution 30 pays the bill to the electronic mall 10 and thereafter receives the purchase payment from the customer member 40. After collecting a commission from the received billing fee, the electronic mall 10 delivers the sales price to the store 20. When the customer member 40 pays the purchase price to the partner financial institution 30, the partner financial institution 30 gives card points to the customer member 40 using a credit card, a bank card, a debit card, and the like, and setstle the payment server. At 300, the current card point is reflected on the customer-specific card point.

In some cases, the customer member 40 purchases a product at a member mall 110 or a general mall 120 as a directly managed store of the electronic mall 10 provided in the electronic mall operation server 100. When the customer member 40 purchases a product at the directly managed store of the electronic mall 10 and pays the purchase price, the directly operated store of the electronic mall 10 gives the electronic member points to the customer member 40 and the electronic mall operation server. 100 is an electronic mall point by customer (10)
To reflect this electronic mall point.

In the case of the point exchange present mall 130, the customer member 40 exchanges the electronic mall points with the present corresponding to the acquired points. Therefore, when the customer member 40 receives the present by exercising the acquired points (11), the point management server 500
Makes an acquisition point allocation (12) according to the type of the acquired points. That is, the allocated points (12)
According to the type of the customer, the point balance (12) is subtracted from the previous balance of the maker point for each customer, the card point for each customer, and the electronic mall point for each customer (10) to adjust the balance to a new point balance. When the customer-specific maker points are allocated, the balance of the customer-specific maker points is readjusted between the store server 200 and the point management server 500 that directly manages the balance of the customer-specific maker points.

When the customer-specific card points are allocated, the balance of the customer-specific card points is readjusted between the settlement server 300 that directly manages the balance of the customer-specific card points and the point management server 500. When the customer-specific electronic mall points (10) are allocated, the customer-specific electronic mall points (10) are directly managed between the electronic mall operation server 100 and the point management server 500 that directly manage the balance of the customer-specific electronic mall points (10). The balance of 10) is readjusted. In the point exchange present mall 130, when the customer member 40 desires to exchange for a present having a higher value than the acquired points, the settlement commissioning means 132 uses the same method as the member mall 110 or the general mall 120, The customer member 40 bears the difference between the value of the present and the acquired points, and the partner financial institution 30 performs the settlement (13) processing.

Next, details of the maker point, the card point, and the electronic mall point will be described. FIG.
FIG. 4 is a configuration diagram illustrating a mechanism for giving points. In the store 20 as a service providing company, a maker point is issued to the customer member 40 holding the store card. The maker point is a receivable in which the customer member 40 receives a discount on the purchase price at the store 20 and a free product provision (present) by the store. In accordance with the selection of the customer member 40, the partner financial institution 30 pays the store to the customer member 40 by various payment methods such as credit card settlement, debit card settlement, and account transfer settlement. Along with the payment, the affiliated financial institution 30 issues a card point to the customer member 40. Card points can be exchanged for point exchange gift malls 13 like electronic mall points.
0 is used as a price to exchange for a present.

In the electronic mall 10, an electronic mall point is issued according to the use of the customer member 40 in a directly managed store of the electronic mall 10. Further, the electronic mall 10 uses the point management server 500 to centrally manage maker points, card points, and electronic mall points given to the customer members 40. The electronic mall points and the like can be used in a manner permitted by the issuer of various points such as the application of customer preferential measures by the electronic mall 10, the right to use the point exchange present mall 130, a present, and a cashback.

FIG. 3 is a diagram for explaining the details of points, and shows types of points, point issuers, use scenes, points redemption contents, redemption rates, cost burdens, and appeals to customer members. With regard to maker points, each service provider issues points when shopping at the service provider, and the cost is paid by the manufacturer or store as each service provider. The content of the point return to the customer member 40 is a product discount or the like, and a name such as “shopping Thanks Point” is used for appealing to the customer member. The cash exchange rate is expressed as a product discount amount or the like according to the balance of the maker point, and is, for example, 1% of the store purchase amount.

As for the card points, the credit card company which is the affiliated financial institution 30 issues points according to the amount of use of the card, and the cost burden is also the credit card company. The content of point redemption to customer member 40 is VOM
(Virtual Outlet Mall) points, etc., and the name of “Payment Thanks Point” or the like is used to appeal to customer members. The cash exchange rate is, for example, 0.1% of the usage amount as one point. Here, VOM points (trademark) are electronic mall points that can be exchanged at the point exchange present mall 130.

[0036] Float David Point is used by electronic mall operator "@ .com" to issue points to customer members 40 in order to promote the use of David Cards. Is the operator. The contents of the point redemption to the customer member 40 are VOM points and the like, and a name such as “Used Thanks Points” is used for appealing to the customer member. The redemption rate is, for example, one point of 0.1% of the David settlement amount.

The electronic mall point is used by the electronic mall operator “@ .com” to issue points to the customer member 40 in order to promote the use of customers at directly managed stores of the electronic mall 10. The cost burden is also the operator of the electronic mall. The contents of the point redemption to the customer member 40 are VOM points and the like, and a name such as “Take a Thanks Point” is used for appealing to the customer member. The exchange rate is, for example, one point of 0.05% of the purchase amount of the electronic mall.

The contribution degree points are used for classifying when giving preferential measures to customers in accordance with the business contribution degree to the directly managed store of the electronic mall 10, and include, for example, maker points, card points, float David points, electronic points, It is a simple addition of mall points. “@ .Com”, which is the operator of the electronic mall, preferentially provides products and services at the member mall 110 to the customer members 40 according to the balance of the contribution degree points. For appeal to customer members, use a name such as "collectively Sunkus Point". Since the degree of business contribution to the directly managed store of the electronic mall 10 has already been converted into a maker point, a card point, a float David point, and an electronic mall point, the cash rate of the contribution point alone is nil.

FIGS. 4A and 4B are explanatory diagrams showing an example of the issuing state of various points. FIG. 4A shows the use of a credit card, and FIG. 4B shows the use of David. Assuming that the user purchases 10,000 yen at the store 20 via the electronic mall 10, the maker point is 100P. When the payment is made by using a credit card, the card point becomes 10P, and when the payment is made by using David, the float David point becomes 10P. Then, 10P of the electronic mall points are given. Then, the contribution point becomes 120P and V
The OM point is 20P.

FIG. 5 is a diagram showing an example of a purchase history management master file provided in the electronic mall operation server. The master file 600 includes a member number column 602 of the customer member 40, a purchase date column 604, a store name column 606,
A product name column 608, a standard column 610, a price column 612, a total payment amount column 614, a maker point column 616, a credit card company column 618, a card point column 620, an electronic mall point column 622, and a contribution point column 624 are provided. I have. In addition, a float David Point column may be provided in preparation for the use of David.

FIG. 6 is a diagram showing an example of the point balance mail sent from the cyber mall operation server to the customer terminal. From the electronic mall operation server 100 to the customer terminal 400
To the point balance mail 700 in the form of a monthly report
Is sent. The point balance mail 700 includes a sender column 702, a destination column 704, and a CC column 70 indicating a copy circulation destination.
6, Subject field 708, Fixed text field 710, Payment request field 7
12, a point balance column 714 is provided. In the payment request column 712, the use date, the store where the user is used, the usage amount, the payment amount, the payment method, and the monthly bill amount are clearly indicated as the purchase history for one month. Point balance column 714
For each month, the points earned and lost for one month are accumulated for the type of each point, used for the current month, bonuses such as sales promotion measures, used points, accumulated for the current month, the communication column, and VO
M points are displayed. In the communication column, a message from the point issuer to the customer member, for example, sales promotion information is posted.

FIG. 7 is an explanatory diagram in the case of exchanging acquired points and presents at the point exchange present mall. Mugs for 200 points, 3
You can redeem a wine cup for 00 points, a home bar set for 700 points, a teapot for 900 points, a wine opener for 1500 points, and a wine cooler for 5000 points.

FIG. 8 and FIG. 9 are flowcharts for explaining the progress of the procedure among the customer, the store, the affiliated financial institution, and the electronic mall. The customer member 40 operates the online mall 10 online using the customer terminal 400 "@ .com"
Is registered as a member, and a membership card for the electronic mall is issued (S100). In the electronic mall operation server 100 and the point management server 500, a membership number is given to the customer member 40 who has newly registered, and personal information at the time of member registration, for example, date of birth, gender, address, annual income, etc. The information is stored in the personal information storage database of each of the mall operation server 100 and the point management server 500 (S110). The personal information at the time of this membership registration,
It is also stored in the personal information storage database of each of the store card reading terminal 200 and the settlement server 300 (S12).
0, S130).

Customer member 4 who has registered as a member in electronic mall 10
Numeral 0 is a physical store operated by the store 20 that has opened a store in the general mall 120 or the electronic mall 10, and shopping is performed using the electronic mall member card (S102). Then
The purchase history of the customer member 40 is stored in the purchase history storage database of each of the store card reading terminal 200, the settlement server 300, the electronic mall operation server 100, or the point management server 500 using personal identification information such as a member number. (S112, S122, S132).

Then, the customer member 40 registered as a member in the electronic mall 10 enjoys points according to the purchase amount (S
104). That is, the electronic mall 10 gives the electronic member points corresponding to the purchase amount to the customer member 40 (S11).
4). The store 20 gives a maker point corresponding to the purchase amount to the customer member 40 (S124). Partner financial institutions 30
Assigns a card point corresponding to the payment usage amount to the customer member 40 (S134). Point management server 500
The electronic mall point, the maker point, and the card point given to the customer member 40 are transferred to the electronic mall operation server 100 and the store card reading terminal 20 that issue the point.
0, respectively received from the settlement server 300.

Subsequently, the customer member 40 determines whether to exercise the given points (S106). If the customer member 40 exercises the maker point, a cost such as cashback is generated at the store 20 that issues the maker point (S126). When the customer member 40 exercises the card point, a fee such as a gift is generated at the affiliated financial institution 30 that issued the point (S136). Customer Member 4
If 0 exercises the electronic mall point, the electronic mall 10 side grants the right to use the point exchange present mall 130 in order to enhance the convenience of the point exercise (S116). When the customer member 40 exercises the granted points, the customer member 40 can enjoy the right to use the point exchange present mall 130 (S1).
40).

That is, it is determined whether the customer member 40 exercises the acquired points in the point exchange present mall 130 (S142), and the acquired points and the present are exchanged in the point exchange present mall 130 (S144).
, A gift to be exchanged is selected (S146).
It is determined whether the acquired points, which are the sum of the electronic mall points, the maker points, and the card points, are greater than the value of the desired present (S148), and the shortage of the acquired points is settled by the affiliated financial institution 30 (S148).
150). Then, the acquired points are allocated to gift exchange (S152). Once the acquisition of the points earned and the arrangement for the difference settlement are completed, we will arrange the shipping of the present (S
154), the procedure at the point exchange present mall 130 ends (S156).

If NO in S142, the member mall 110
(S160). The customer member 40 determines whether or not to purchase a product at the member mall 110 (S162). If so, the customer member 40 selects the desired product and, as a settlement method, a lump sum payment provided by the affiliated financial institution 30 or the like. The number of installment payments is selected (S164). The member mall 110 refers to the database of the products provided by the electronic mall 10 (S1
66), an order is issued to the manufacturer or the store, and delivery of the product is arranged (S168). Also, Mall 1 for members
At 10, the payment information is sent to the payment server 300 (S1).
Along with 70), the various points acquired by the customer member 40 by the purchase at the member mall 110 are reflected on the point management server 500 (S172). In this way,
The product purchase and the point management in the electronic mall 10 end (S156).

FIG. 10 is a block diagram for explaining an embodiment of the sales management system according to the present invention. Compared to the embodiment of FIG. 1, FIG.
0, purchase history database 160, attribute recognition means 17
0, an attribute matching access unit 180, a contribution point calculation unit 510, and a customer preferential measure database 520 are added. Note that the point exchange present mall 130 is omitted for the sake of simplicity.

In the personal information database 150, the member number given to the newly registered customer member 40 by the electronic mall operation server 100 and the point management server 500 and the personal information at the time of member registration, for example, the date of birth , Gender, address, annual income, etc., and are recorded on an electromagnetic storage medium such as a hard disk. The purchase history database 160 records the date of use at the electronic mall 10 and the store 20, the store at the destination, the amount of use, the amount of payment, the method of payment, and the monthly billing amount.

The attribute recognition means 170 is a member mall 11
0 based on the purchase history of the customer member 40 at 0
Determine the attributes of The attributes include, for example, sports, clothing, food, and the like as a large classification, and skiing, skating, soccer, and the like for the large classification sports as a middle classification. The small category covers the details of the middle category. For example, a customer management system (CRM: Customer Relation
Management system) may be used. The attribute matching access unit 180 adjusts the access of the customer member 40 to the member mall 110 in accordance with the attribute recognized by the attribute recognition unit 170. For example, in the customer terminal 400 of the customer member 40, the member mall 110 Is displayed at the top of the display screen. Further, the attribute matching access unit 180 has a function of extracting a target customer group suitable for sales of a specific product from customers of various personalities.

The contribution point calculating means 510 calculates the contribution degree of the customer member 40 to the point issuer based on the points issued by the point issuer to the customer member 40. As the point issuer, for example, as shown in FIG.
0, affiliated financial institutions 30 and the like. For example, the contribution degree is shown in FIG.
By using the contribution points shown in (1) and (2), the customer member can be evaluated based on the business contribution to the point issuer such as the electronic mall 10. The customer preferential measure database 520
The contents of preferential treatment of the customer member 40 in the member mall 110 according to the contribution point are determined, and the details will be described later with reference to FIGS.

FIG. 11 is a flowchart showing an example of a sales procedure using a customer preferential measure in a member mall. The point management server 500 receives the points issued by the point issuer to the customer member 40 (S201). The contribution point calculation means 510 calculates the contribution points of the customer member 40 to the point issuer based on the points issued by the point issuer to the customer member 40 (S202).

On the other hand, the electronic mall business that operates the member mall 110 receives a sales request for a special sale from another manufacturer or store (S203). Then, the electronic mall operation server 100 extracts the attributes of the merchandise to be sold for sale in a format compatible with the attribute classification of the attribute recognition unit 170 (S
204). Next, the attribute matching access unit 180 extracts a customer member having an attribute matching the attribute of the bargain item with reference to the personal information database 150 and the purchase history database 160 (S206). The electronic mall operation server 100 refers to the contribution points from the extracted customer members and extracts the customer members to be subjected to the customer preferential measures (S208).

Next, the electronic mall management server 100
An e-mail distribution of the bargain information is performed on a one-to-one basis to the extracted customer terminal 400 of the customer member (S210). In response, the customer member reads the e-mail (S212) and obtains the URL (Uniform R
When esource Locator is clicked (S214), a detailed explanation page of the bargain information is displayed on the customer terminal 400 as a product detail screen via the electronic mall operation server 100 (S216). The detailed explanation page of the bargain information is, for example, H
It may be described using a language used for information exchange on the Internet, such as TML (Hyper Text Markup Language).

When the customer member indicates his intention to purchase the product (S218), the electronic mall operation server 10
At 0, a page describing the product purchase operation and the settlement method selection operation is transmitted to the customer terminal 400 via the Internet (S220). Then, the customer performs an input operation of a product purchase operation and a payment method selection operation from the customer terminal 400. This input content is transmitted from the customer terminal 400 to the cyber mall operation server 100.

The input result of the product purchase operation is reflected in the actual product arrangement and settlement using the special sale item supplier information registered in the product database of the member mall 110 (S).
222). That is, in the member mall 110, an order is placed to a maker or a store, and delivery of a bargain item is arranged (S224). Further, the settlement server 300 requests the settlement server 300 for settlement at the member mall 110 (S226). When the payment is completed in the payment server 300, the point management server 5
In step S228, an electronic mall point corresponding to the sale or purchase of a special sale item is given to the customer member 40. In this way, the sale of the bargain item at the member mall 110 ends (S
230).

FIG. 12 is a diagram showing an example of a bargain information screen which is mail-distributed one-to-one to customer terminals. The special sale information screen 800 includes a sender column 802, a destination column 804, a CC column 806 indicating a copy circulation destination, a subject column 808, a fixed text column 810, and a special sale information display column 812. For example, when the member mall 110 is operated as a so-called outlet mall, a sales consignment as a physical disposal is made to the electronic mall 10 from a manufacturer. In the electronic mall 10, the physical disposal is sold at the member mall 110, and a notice mail of the physical disposal is distributed to the customer members extracted using the attribute matching access unit 180.

As described above, by giving priority to the customer members extracted by using the attribute matching access means 180, the brand image of the maker is not impaired as compared with the case of indiscriminately distributing mail. In-kind disposal is relatively expensive and can be cashed.

FIG. 13 is a diagram showing an example of a customer preferential measure in the customer preferential measure database, which employs a mechanism in which the higher the contribution point, the higher the use priority. Here, the customer members are A, B, C,
D and E are divided into five layers. Then, timings a, b, c, d, and e are determined as timings at which the bargain information is notified from the member mall 110 to the customer members. The interval of each period is set to, for example, one business day, one week, or the like. Highest category A
For the customer members who are classified as, the mail distribution of the bargain information is performed at the earliest time a. The mailing of the bargain information is performed to the customer members who are classified into the second-ranked category B at a time b after a predetermined period from the time a. In this way, the customer members classified into the fifth-ranked category E are provided with a period e four periods after the period a.
E-mail of special sale information. If the target product of the bargain information is out of stock, the bargain information is not transmitted to the customer members having relatively low contribution points.

FIG. 14 is a diagram showing an example of a customer preferential treatment measure in the customer preferential treatment measure database, which employs a mechanism in which a merit is further enhanced by combining personal preference with a high contribution point. Here, the purchase probability is increased by combining the purchase results at the contribution points and the personal information used by the attribute matching access unit 180 and determining the discount rate of the selling price for the product that matches the taste according to the contribution points. ing. Special preference is given to customer members classified in the highest category A by applying the highest discount rate.
On the other hand, lowering the discount rate for the customer members classified into the fifth-ranked category E absorbs the increase in sales costs resulting from the low purchasing probability.

In the point management system of the present invention, a customer terminal, an electronic mall operation server, a store card reading terminal, a settlement server, and a point management server are connected to each other by a communication line, and an order can be applied online.
Although the case where the payment information is exchanged and the acquired points are communicated has been described, the present invention is not limited to this, and the customer can use, for example, a floppy (registered trademark) without using the customer terminal.
The transfer may be made by mail using an electromagnetic storage medium such as a disk, or a request for a present and acquired points may be exchanged at a point exchange present mall via a person in charge such as a call center.

[0063]

As described above, the point management system according to the first aspect of the present invention comprises a point management means for managing points issued by a point issuer to a customer member, and a gift present by the customer member according to the acquired points. If the customer member at the point exchange gift mall that exchanges with the point exchange gift mall, the customer member indicates the intention to exchange for a gift that is expensive compared to the acquired points,
There is provided a settlement commission means for commissioning the settlement of the difference between the value of the acquired points and the gift to a financial institution as a burden on the customer member. Therefore, it is possible for the customer member to exchange gifts that are expensive compared to the earned points, and the customer members receive gifts as compared to the case where the target of gifts that can be exchanged according to the earned points is limited as in the conventional practice It is possible to flexibly fulfill demands when finding product value in itself.

Further, the sales management system according to the second invention is a point management means for managing points issued by a point issuer to a customer member, and a point management means for managing points issued by the point issuer to the customer member. A contribution point calculating means for calculating the contribution degree of the customer member to the point issuer, a member mall preferentially selling products according to the contribution point of the customer member, and a contribution mall corresponding to the contribution point. The system has a customer preferential measure database that determines preferential contents of customer members at the member mall. Therefore, the contribution point calculation means
Based on the issued points, it is useful for managing sales of customer members. In addition, the member mall is a store that gives preferential treatment to customer members, and it is easy to give preferential treatment to customers according to their contribution points.

[Brief description of the drawings]

FIG. 1 is a configuration diagram illustrating an embodiment of a point management system of the present invention.

FIG. 2 is a configuration diagram illustrating a mechanism for giving points.

FIG. 3 is a diagram illustrating details of points.

FIG. 4 is an explanatory diagram illustrating an example of an issue state of various points.

FIG. 5 is a diagram showing an example of a purchase history management master file provided in the electronic mall operation server.

FIG. 6 is a diagram showing an example of a point balance mail sent from a cyber mall operation server to a customer terminal.

FIG. 7 is an explanatory diagram in a case where acquired points and presents are exchanged at a point exchange present mall.

FIG. 8 is a flowchart illustrating the progress of procedures among a customer, a store, a partner financial institution, and an electronic mall.

FIG. 9 is a flowchart illustrating the progress of procedures among a customer, a store, a partner financial institution, and an electronic mall.

FIG. 10 is a configuration diagram illustrating an embodiment of a sales management system of the present invention.

FIG. 11 is a flowchart showing an example of a sales procedure using a customer preferential measure in a member mall.

FIG. 12 is a diagram showing an example of a bargain information screen which is mail-distributed one-to-one to customer terminals.

FIG. 13 is a diagram showing an example of a customer preferential measure in the customer preferential measure database.

FIG. 14 is a diagram showing an example of a customer preferential measure in the customer preferential measure database.

FIG. 15 is an explanatory diagram of issuing points by a conventional point issuer.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 10 electronic mall 20 store 30 affiliated financial institution 40 customer member 100 electronic mall management server 110 member mall 120 general mall 130 point exchange present mall 132 settlement consignment means 134 earning point certification means 136 point exchange value setting means 200 store card reading terminal 300 Payment server 400 Customer terminal 500 Point management server 510 Contribution point calculation means 520 Customer preferential measure database

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G06F 17/60 G06F 17/60 410G ZEC ZEC G07G 1/12 321 G07G 1/12 321L

Claims (8)

[Claims] 1. Point management means for managing points issued by a point issuer to a customer member; a point exchange present mall for exchanging a present according to the acquired points by the customer member; When the customer member indicates an intention to exchange for a gift that is expensive compared to the acquired points at the mall, settlement of the difference between the value of the acquired points and the present is performed by the financial institution as a burden on the customer member. A settlement management means for outsourcing; a point management system. 2. The point issuer is a store, a financial institution,
The point exchange present mall includes at least one of operators of the point exchange present mall;
2. The point management system according to claim 1, further comprising: an acquired point authentication unit that treats points issued by at least one point issuer of the store, the financial institution, and the operator of the point exchange present mall as the acquired points. 3. 3. The point management system according to claim 1, further comprising a point exchange value setting unit that sets an exchange value of the acquired points for the present for each point issuer. 4. A point issuer receives points issued to a customer member; when the customer member exchanges the acquired points for a present at a point exchange present mall, a present which is expensive compared to the acquired points. Judge whether the intention to exchange with the present is high; when indicating the intention to exchange with the expensive gift, the difference between the present and the acquired points is settled at the expense of the customer member; points Management method. 5. Point management means for managing points issued by a point issuer to a customer member; and the customer for the point issuer based on the points issued by the point issuer to the customer member. Contribution point calculating means for calculating the degree of contribution of the member; a member mall that preferentially sells products according to the degree of contribution of the customer member; and the mall at the member mall according to the degree of contribution. A sales management system comprising: a client preferential treatment database for determining preferential contents of customer members; 6. An attribute authentication unit for determining an attribute of the customer member based on a purchase history of the customer member at the member mall; and in accordance with the attribute recognized by the attribute authentication unit,
The sales management system according to claim 5, further comprising: an attribute matching access unit for adjusting access of the customer member to the member mall. 7. The sales management system according to claim 6, wherein the attribute authentication unit uses a preference registered as personal information of the customer member with respect to the point issuer as an element of the attribute authentication. 8. The point issuer receives points issued to the customer member; the degree of contribution of the customer member to the point issuer based on the points issued by the point issuer to the customer member. Calculate points; preferentially sell merchandise at the member mall in accordance with the customer preferential measure storage means according to the degree of contribution of the customer member; a sales management method.