JP2003030748A - Card point trading system and method - Google Patents

Abstract

(57) [Summary] (Corrected) [Problem] The points and benefits provided by the card company cannot be obtained unless a certain number of points are reached, and there is a merit for some users even in the service contents. Even so, other users did not feel value. Also, the only way to accumulate points is to use a card. In a point accumulating type card to which points are added, sale accepting means for accepting sale of used card points, display means for displaying a list of used card points accepted by the sale accepting means, and display means A purchase accepting means for accepting the purchase of an arbitrary number of card points among the displayed card points,
A card point trading system characterized by comprising:

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a card point trading system and method in which the number of used card points is accumulated according to the purchase price, service usage price, and the like.

[0002]

2. Description of the Related Art As a conventional card point service, a shopping point service in which points are usually added according to the purchase amount of a credit card is widely used. Such services are designed to be returned to users through products or cash vouchers, but these point services are usually individually set and given by credit card companies.

[0003] In such a point service, depending on the service content, it may be a service that is advantageous to a specific user but has no value to other users.

[0004] Another card point service is FFP, which is a service mainly performed by airline companies.
There is a regular customer priority system. This is a member of a specific airline, and you can receive services such as free airline tickets, gifts, and upgrades (change in boarding class) by accumulating miles (number of points used) earned according to the flight distance. It is also called a mileage service or mileage program.

[0005] Furthermore, there is also a service called shopping miles, in which miles are added according to the amount of shopping with a credit card. this is,
For example, it is a service in which 1 mile is added when shopping for 100 yen with a credit card, which is a great effect not only for airline companies but also for card companies to acquire customers.

[0006] For the purchase of an airline ticket carried out by such an airline company, the flight distance (mile) of the purchased airline ticket
Mileage points are accumulated according to the number of miles, and point services aimed at enjoying specific services, such as mileage service that gives free tickets according to predetermined miles points, are carried out and users are pleased.

[0007]

However, these conventional point accumulation methods for the point service are limited to the case of using a credit card, and it is difficult to accumulate a predetermined number of points for award exchange. Further, even when redeeming points for benefits, some users often do not feel any benefit, and it is not always sufficient in terms of usage and services.

[0008] The present invention enables credit card point trading, and provides a card point trading system with a point service that allows a user to arbitrarily select a service based on desired points from purchased points. It is intended to provide a card point trading system and a method thereof for improving user convenience and customer service.

[0009]

The card point trading system and method according to the present invention for solving these problems are as follows:
In a point accumulation type card in which usage card points are added according to the purchase price, service usage amount, etc., display a list of sale acceptance means for accepting the sale of the use card points and the use card points accepted by the sale acceptance means Display means, and purchase acceptance means for accepting purchase of an arbitrary number of card points among the used card points displayed by the display means.

[0010] Further, it is preferable that the sale of the used card points and the purchase of the number of card points are performed based on an arbitrarily set trading rate.

[0011] Further, the arbitrarily set trading rate may be different from a selling rate used to sell the used card points and a selling rate used to purchase the card points.

[0012] The number of card points purchased by the purchase accepting means may be added to an adding means that is added to the card points previously owned by the user who desires to purchase the card points.

[0013] In addition, in a point accumulation type card in which usage card points are added according to a purchase price, a service usage price, etc., a sale acceptance procedure for accepting the sale of the utilization card points, and a usage card accepted by the sale acceptance procedure. Of the display procedure for displaying a list of points and the usage card points listed by the display procedure,
And a purchase acceptance procedure for accepting the purchase of an arbitrary number of card points, further, the sale of the used card points and the purchase of the number of card points are performed based on a trading rate set arbitrarily, and, The sale rate arbitrarily set is different from a sale rate used for selling the used card points and a sale rate used for purchasing the number of card points.

[0014] Further, the number of card points purchased by the purchase acceptance procedure may be added to a card point that a user who desires to purchase card points has in advance. Furthermore, it is advisable to buy and sell used card points on a Web page on the Internet.

[0015]

According to the present invention described above, it is possible to sell a small number of card points that have not reached a certain fixed point, and even if the services and benefits provided by the card company do not feel any value, cash By exchanging with, it becomes a privilege common to all.

[0016] Further, when using the services and benefits provided by the card company, even if the points are less than a certain number of points, it becomes easy to use the services and benefits by purchasing only the shortfall points.

[0017] As a result, the services provided by the card company are enhanced by demonstrating the individuality of each company, which leads to improvement of services to users and improvement of corporate image.

[0018]

BEST MODE FOR CARRYING OUT THE INVENTION An embodiment of the present invention will be described with reference to the drawings. FIG. 1 is a block diagram showing an embodiment of a card point trading system according to the present invention. The card point trading system according to the present embodiment is a card 10-A of a user who wants to sell points of the card, a card 10-B of a user who wants to buy points, a Web page for trading card points and exchanging points. It consists of 20, and a card company that provides card and card point services.

[0019] Cards 10-A and 10-B are cards in which usage card points are accumulated according to the purchase price, service usage price, etc., and there are credit cards, shopping cards, mileage cards, cash cards, etc. In addition to the magnetic card having the storage medium as the storage medium, an IC card having the IC chip as the storage medium may be used. Further, although the present embodiment is applied to a credit card, the present invention can be applied to any point accumulation type card.

[0020] The web page 20 includes a point trading menu 21,
It consists of points and award exchange menu 22 and has a management program that performs personal authentication, point management, point award management, etc. of cards that are sold and bought.

[0021] The card providing company 30 has a point database 31.
With a privilege database 32, it is a company that provides services such as credit, shopping, and mileage. The card providing company and the provided card may be a membership card as long as it is a point (mile) accumulating type.

Next, regarding the operation of the embodiment of the present invention, FIG.
This will be described with reference to the flowchart of FIG. Figure 2
This is a flow chart showing the procedure for selling all or part of the accumulated points of the owned cards.

First, among the accumulated points accumulated in the owned card 10-A, a user who wants to sell all or part of the accumulated points is a point selling Web page 20 on the Internet.
(Step S101). Web page 20
The point sales menu 21 is displayed, and next, enter the card data (card number, number of points sold, etc.) you want to sell points, bank account number, etc. (step S10).
2) Do.

[0024] At this time, the bank account is an account for transferring the selling price of the sold points, and is limited to an account having the same name as the cardholder (transferred to the cardholder's account), It has the role of preventing sale by malicious intent by a third party. If a bank account is registered when applying for a card, the bank account number may be omitted.

[0025] When the card data for point sale is input, it is connected to the point database 31 of the card providing company 30 desiring to sell (step S103) and accumulated with the number of sale points input by the card data. The accumulated point balance is collated (step S104).
If the accumulated points balance is less than the planned sale points, the sale points are input again and the points are set within the accumulated points balance.

[0026] When the planned sale points are set to be less than the accumulated point balance, the card points are sold at the point exchange rate arbitrarily set by the card company (step S105).
To do. The point exchange rate set arbitrarily is different when selling points and when purchasing points,
In addition, the exchange rate changes depending on the balance between supply and demand.

[0027] For example, when selling 5000 credit points of credit company X company, if 1 point = 0.45 yen is set according to the exchange rate, it will be sold for 2250 yen of 5000 x 0.45. You can In addition, another Y company's card point is 1 point = 0.51
If you also sell 5000 points in yen, 5000
× It will be possible to sell for 0.51 of 2550 yen.

[0028] The card points are sold (step S105)
Then, the points for sale are minus from the accumulated points data in the points database 31 (step S10).
6) be done. Then, the point sale money is remitted to the bank account in the name of the card owner (step S107).

[0029] This completes the point selling procedure.
FIG. 3 also shows a flow for purchasing the card points posted on the point trading menu 21 of the Web page 20.

[0030] When the owner of the card 10-B desires to purchase card points, the point purchasing Web on the Internet.
Connect to page 20 (step S201). Web page 2
At 0, a point trading menu 21 is displayed.

Next, input the desired purchase point number (step S
202), input credit card information (card number, expiration date, etc.) used for payment when purchasing points (step S203), and pay and settle purchase price (step S204).

Next, purchase points are added to the point data already stored in the point database 31 of the card providing company 30 (step S205). Furthermore, if the user wishes to redeem the card points immediately for a privilege or service (step S206), the point / benefit exchange menu 22 is displayed (step S20).
7), the privilege database of the card company is connected (step S208).

After confirming the privilege / service contents and the exchange points of the privilege database, the desired exchange privilege / service contents are selected (step S209). As a result, the points required for the exchange are offset and settled from the point data in the point database 31 (step S210).

[0034] It should be noted that, at the time of purchasing as well as at the time of selling points,
An arbitrary purchase rate is set by the card providing company. For example, the rate when purchasing card points of company X is 1 point = 0.90 yen, and 10000 points is 9000 yen. In the case of company Y, if 1 point = 1.05 yen is set, purchasing 10,000 points costs 10500 yen.

Although the operation of this embodiment has been described above, the present invention is not limited to this embodiment, and it is possible to buy and sell different card points by arbitrarily setting a conversion rate between each card providing company. Become. For example, when converting the points of the company X into the company Y, if the demand of the company Y is larger than that of the company X, 1 point of the company X = 0.80 points of the company Y, and the like.
Even if you buy 0 points, Company Y only buys 8000 points at 10,000 x 0.80. Also this is
It is also possible to easily convert credit card points into mileage card miles.

[0036] Further, the trading of the used card points is not limited to the service provided by only one card company, and various different types can be obtained by simultaneously using the trading rates in which the card points provided by a plurality of card companies are individually set. It is also possible to buy and sell card points, and also to receive services of different card companies for redemption.

Next, the practical effects of this embodiment will be described below. 1. Benefits of using this system for those who use point accumulation type cards (1) To use the benefits of the point exchange of the card provider, a certain number of points or more are required, and the content of the benefits is satisfactory Although it was not something that can be obtained, even a small number of points that do not have a certain number of points can be sold, and since it is a cash income, everyone can be satisfied.

[0038] (2) The privilege of exchanging points by the card providing company is attractive to users, but points can be acquired and accumulated only by using a card, and points that can be redeemed are accumulated. It was very difficult to do, but you can effectively use the point exchange privilege by purchasing the necessary points.

[0039] 2. Effects of using this system of a card provider (1) Profit from purchase and sale of card points is clear, and considering the card ownership rate and incidental rate of point services in the modern card society, The demand for buying and selling points is high and highly profitable.

(2) By providing services on the Web, it is possible to reduce operating costs, and if initial investment is made for system development costs such as a Web page construction / management program, the subsequent operations can be performed. It's easy. (3) When purchasing card points, payment by card will improve the effect of card usage, and the number of card applicants for point services can be increased.

(4) The advertising effect is inevitably caused by accessing the company's Web page inevitably through the point trading Web page, such as confirmation of the user who wants to buy and sell and the point privilege content. (5) The services and benefits provided to users will be enhanced by demonstrating the individuality of the card provider, which will lead to improved services and improved corporate image for users.

[0042]

As described above, according to the present invention, a certain number of points or more is required in order to use the privilege of exchanging points of the card providing company, and the privilege content can be satisfied. Although it was not a thing, it is possible to sell even a small number of points that do not have a certain number of points, and since it becomes cash income, everyone can be satisfied.

[0043] In addition, although the privilege of exchanging points by the card providing company is attractive to the user, there is no point acquisition / accumulation method only by using the card, and points that can be redeemed are accumulated. It was very difficult to buy, but you can use the point exchange privilege effectively by purchasing the necessary points.

[Brief description of drawings]

FIG. 1 is a block diagram showing the configuration of an embodiment of a card point trading system according to the present invention.

FIG. 2 is a flowchart showing a card point sale in the embodiment of the present invention.

FIG. 3 is a flowchart showing card point purchase and privilege exchange according to the embodiment of the present invention.

[Explanation of symbols]

10-A, 10-B ・ ・ ・ Card ... Web page ・ ・ ・ Point trading menu ・ ・ ・ Points and redemption menu 30 ・ ・ ・ Card provider 31 ・ ・ ・ Point database 32 ・ ・ ・ Bonus database

Front page continuation (51) Int.Cl. ⁷ Identification code FI theme code (reference) G06F 17/60 504 G06F 17/60 504 ZEC ZEC G07G 1/14 G07G 1/14

Claims (8)

[Claims] 1. A point accumulating card in which usage card points are added according to a purchase amount, service usage amount, etc., and a sale acceptance means for accepting the sale of the utilization card points, and a usage card accepted by the sale acceptance means. Card point trading comprising display means for displaying a list of points and purchase acceptance means for accepting purchase of an arbitrary number of card points among the used card points displayed by the display means. system. 2. The card point trading system according to claim 1, wherein the sale of the used card points and the purchase of the number of the card points are performed based on a trading rate set arbitrarily. Trading system. 3. The card point trading system according to claim 2, wherein the arbitrarily set trading rate is a selling rate used for selling the used card points and a selling used for purchasing the number of card points. A card point trading system characterized by different rates. 4. The card point trading system according to any one of claims 1 to 3, wherein the number of card points purchased by said purchase receiving means is added to card points previously owned by a user desiring to purchase card points. A card point trading system characterized by comprising means. 5. The card point trading system according to any one of claims 1 to 4, wherein the used card points are traded on a Web page on the Internet. 6. A point accumulation type card in which usage card points are added according to the purchase price, service usage price, etc., and a sale acceptance procedure for accepting the sale of the usage card points, and a utilization card accepted by the sale acceptance procedure. A display procedure for displaying a list of points, and a purchase acceptance procedure for accepting the purchase of an arbitrary number of card points among the use card points listed by the display procedure are further provided. The purchase of the number of the card points is performed based on a trading rate that is arbitrarily set, and the trading rate that is arbitrarily set is the sale rate used to sell the used card points and the card points. A method of buying and selling card points, which is characterized by different selling rates used for purchasing a number. 7. The card point trading method according to claim 6, wherein the number of card points purchased by the purchase acceptance procedure is added to a card point previously owned by a user desiring to purchase card points. A method of buying and selling card points, which is characterized by being prepared. 8. The card point trading method according to claim 6 or 7, wherein the used card points are traded on a Web page on the Internet.