JP2004178168A - Card issuing management system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a card issuing management system capable of improving a customer's royalty by providing a service such as design updating of a card without application from the customer side or annual fee discount. <P>SOLUTION: A card differed in design according to the continued years from the admission to a card member or the enrolled years is issued. The used amount of the card is automatically accumulated to determine the discount in the charging of the annual fee, and the charging is automatically performed with the discount. Further, the used amount and the necessary amount to discount application are outputted and reported to the member. <P>COPYRIGHT: (C)2004,JPO

Description

[0001]
TECHNICAL FIELD OF THE INVENTION
The present invention relates to an issue management system for credit cards, various membership cards, and the like.
[0002]
[Prior art]
In today's economic society, various types of cards such as credit cards and various membership cards are used. Conventionally, as such a card, a card created with a predetermined design has been mainstream, but in recent years, in order to improve customer satisfaction or customer loyalty, for example, as disclosed in Patent Document 1, a computer has been proposed. A system that allows a customer to specify a desired design through a network has also been proposed.
[0003]
However, in the system of Patent Literature 1, although a customer can specify a desired design at the time of issuing a card, the customer himself / herself must perform a procedure for updating the design again in order to update the design.
[0004]
On the other hand, services for discounting an annual membership fee and giving various benefits according to the amount of use of the card are widely performed to promote the use of the card and to enclose customers and as one of customer services. However, even in this service, in order to receive the service, it is necessary for the customer to fill in a predetermined application form with a predetermined item and send it to a card company or the like.
[0005]
Thus, in recent years, various services have been tried in order to improve customer loyalty, but in order to receive such services, it is necessary for the customer to perform the application procedure himself, and it is necessary to provide services truly from the customer's side Was in a difficult situation.
[0006]
[Patent Document 1]
JP 2000-190669 A
[Problems to be solved by the invention]
The problem to be solved by the present invention is to provide a card issuance management system which can provide services such as card design update and annual membership fee discount without application from a customer side and can improve customer loyalty. .
[0008]
[Means for Solving the Problems]
In order to solve the above-mentioned problem, the card issuance management system of the present invention is designed to issue a card having a different design depending on the number of years since joining a card member, that is, the number of years of enrollment. In addition to this, the card issuance management system of the present invention automatically accumulates the usage amount of the card, determines the discount amount at the time of billing the annual membership fee, automatically discounts the bill, performs the billing, and applies the usage amount and the discount until the application of the discount. The required amount is output and the member is notified.
[0009]
That is, the card issuance management system of the present invention is provided with an enrollment years storage means for storing the years of enrollment for each card member, and receives the enrollment years of the card member from the enrollment years storage means, and the enrollment years value becomes a predetermined value. A design update instructing means for outputting instruction data for updating the card design when the number of cards has been reached, and further storing the amount of use for each card member and accumulating the amount of use for each card payment period. A cumulative total means, a discount applied amount storing means for storing a discount applied amount of a card, a discount rate storing means for storing a relationship between a discount applied amount of a card and a discount rate, and a cumulative use amount for each membership payment period is discounted. Calculating means for calculating the discounted membership fee when the applied amount has been reached, and calculating the difference from the discount applied amount when the cumulative usage amount has not reached the discount applied amount; In which an output means for outputting the operation result by the stage.
[0010]
A general computer memory can be used as each of the above storage means, and the design update instructing means, the usage amount accumulating means, and the arithmetic means are central processing of a computer operating in cooperation with each of the above storage means. A processing device (CPU) can be used.
[0011]
BEST MODE FOR CARRYING OUT THE INVENTION
Hereinafter, an embodiment of the present invention will be described with reference to the accompanying drawings.
[0012]
FIG. 1 is an explanatory diagram showing the configuration and processing flow of a card issuance management system (hereinafter, referred to as “this system”) of the present invention. In the figure, a member database 1 composed of a computer memory stores years of enrollment for each member. In this embodiment, the years of membership have been classified into categories A (1 to 2 years), category B (3 to 4 years), category C (5 to 6 years), and category D (7 years or more). ) Are classified and managed. Each year, 1 is added to the number of years of enrollment. Further, the present system has a design update instructing means 3 that operates in cooperation with the member database 1. The design update instruction means 3 comprises a CPU.
[0013]
The usage amount database 2 also composed of a computer memory stores the usage amount for each card member, and the usage amount is calculated by a usage amount accumulating means (not shown) including a CPU for each membership fee payment period (the embodiment). , Is accumulated every year), and the accumulated usage amount is also stored in the usage amount database 2 for each card member. In addition, the usage amount database 2 stores a discount application amount indicating a usage amount at which the annual membership fee of the card is discounted, and a discount rate corresponding to the discount application amount. In this system, the difference between the discounted annual membership fee and the discount application amount is calculated by a calculation means (not shown) including a CPU operating in cooperation with the usage amount database 2. In the embodiment, two discount application amounts of 200,000 yen and 400,000 yen are set, and the annual membership fee is reduced by 50% when the usage amount for one year reaches 200,000 yen, and 100% discount when the usage amount reaches 400,000 yen. (Free).
[0014]
Hereinafter, the operation of the present system will be described with reference to FIG. When a card is applied by a new customer or member (step 1), the number of years of service of the new customer or member is entered (step 2), and the number of years of service is stored in the member database 1 shown in FIG. 1 (step 3). , A card is issued (step 4).
[0015]
As described above, the member database 1 sorts and manages the members into four sections A to D according to their years of service (step 5). One year is added to the enrollment year every certain month (step 6). Accordingly, the member database 1 is updated (step 7), and the classification of the member is determined (step 8). In this system, when the number of years of enrollment reaches a predetermined value, in this embodiment, three years, five years, and seven years, the movement of the member category is automatically performed systematically (step 9). Then, only the members whose membership classification has been changed are extracted as card update targets, the design update instruction means 3 shown in FIG. 1 outputs card design update instruction data, and a new card with an updated design is issued. (Step 10). The new cards issued when the number of years of enrollment has reached three, five and seven years will have different designs.
[0016]
On the other hand, when the member uses the card (step 11), the usage amount is input, and the usage amount database 2 shown in FIG. 1 is updated (step 12). As described above, the usage amount database 2 stores the annual total usage amount for each member. Then, in this system, when the annual membership fee is billed, the annual total usage amount is determined, and the annual membership fee is automatically discounted and billed. That is, if the annual cumulative usage amount has reached the discount application amount, the discounted annual membership fee is calculated by the calculation means including the CPU, and if the annual usage fee has not reached the discount application amount, the difference from the discount application amount is calculated. The calculation is performed, the calculation result is output by an output unit such as a printer, and the member is notified by direct mail (DM).
[0017]
In the embodiment, since two discount application amounts of 200,000 yen and 400,000 yen are set, it is determined whether or not the annual cumulative usage amount has reached 200,000 yen (step 13). It is determined whether or not it has reached (step 14). If the usage amount is less than 200,000 yen, the remaining usage amount (difference) up to 200,000 yen and the remaining usage amount (difference) up to 400,000 yen are calculated, and the difference is printed out and direct mail (DM) Is notified to the member (step 15). If the usage amount is 200,000 yen or more and less than 400,000 yen, the remaining usage amount (difference) up to 400,000 yen is calculated, the difference is printed out, and the member is notified by direct mail (DM) (step 16). . If the usage amount is 400,000 yen or more, only the annual membership fee discount processing described later is performed, and the user is excluded from the direct mail sending target.
[0018]
In the annual membership fee discount processing, if the usage amount is 200,000 yen or more and less than 400,000 yen, the annual membership fee is reduced by 50%, and if the usage amount is 400,000 yen or more, the annual membership fee is reduced by 100% (free). (Step 17). Then, billing data based on the discounted annual membership fee is created and sent (step 18), and an account transfer is performed (step 19).
[0019]
【The invention's effect】
The following effects are obtained by the present invention.
[0020]
1. Increased loyalty by changing the card design improves continuity with the member organization.
[0021]
2. Since the amount of use up to the discount is automatically calculated and notified to the customer, and the annual membership fee is also automatically discounted, the benefits are easily received by the members, leading to an improvement in the continuation of the membership organization and an improvement in the use of the card.
[Brief description of the drawings]
FIG. 1 is an explanatory diagram showing a configuration and a processing flow of the present system.
FIG. 2 is a flowchart showing the operation of the present system.
[Explanation of symbols]
1 Member database 2 Usage amount database 3 Design update instruction means

Claims (2)

Enrollment years storage means for storing the years of enrollment for each card member;
A card issuance management system having a design update instruction means for receiving a card member's enrollment year value from the enrollment year storage means and outputting card design update instruction data when the enrollment year value reaches a predetermined value. A usage amount accumulating means for storing the usage amount for each card member, and accumulating the usage amount for each card payment period;
Discount application amount storage means for storing the discount application amount of the card;
Discount rate storage means for storing the relationship between the discount application amount of the card and the discount rate;
If the total usage amount for each membership fee payment period has reached the discount application amount, calculate the discounted membership fee.If the cumulative usage amount has not reached the discount application amount, calculate the difference from the discount application amount. Calculating means for calculating;
2. The card issuance management system according to claim 1, further comprising an output unit that outputs a calculation result by the calculation unit.

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