JP2005108168A - Method for processing education expense support and its device - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a method for processing education expense support, permitting easily saving of education expenses from a family budget and rousing consumer confidence of wealthy family by using credit cards. <P>SOLUTION: When a member purchases an article or receives service at a member's store with the credit card 10, use status data S12 indicating use status of the credit card by the member is transmitted from a server 12 to a server 18. The server 18 accumulates points supplied from at least one of a credit card company and the member's store to the member based on the use status data S12. The server 18 performs a process for returning the education expense according to the points supplied to the member to a person specified by the member in response to direction by the member. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

  The present invention relates to, for example, an educational expense support processing method and apparatus for reducing points according to a payment amount with a credit card to educational expenses.

In recent years, the cost of graduating from a university for a single child is 73.1 million yen for public only and 17.5 million yen for private school alone, whereas the average income of each household is 7.18 million yen .
Therefore, the ratio of education expenses to the income of each household is very high.

However, each household spends education expenses by saving expenses other than education expenses and by using deposits and savings.
On the other hand, the number of credit cards issued in Japan is 245 million, and the credit card credit amount is ¥ 30,754.4 billion.

  The present invention has been made in view of the above-described background, and provides an educational expense support processing method and apparatus that can save educational expenses from households without difficulty, and that can motivate high-money consumers by using credit cards. For the purpose.

    In order to achieve the above-described object, the educational expense support processing method of the first invention uses a first computer as a credit management source and a second computer of an educational expense support institution as a process related to educational expense support. A method for processing a support for education expenses, wherein when a member purchases a product or receives a service using the credit, the credit card is used by the member from the first computer to the second computer. Based on the usage status data received by the second computer in the first step of transmitting usage status data, the credit management source and the product or service provider A second step of performing a process of providing points to the member from at least one, and the second computer, in response to an instruction from the member, Education expenses corresponding to the points that are provided to the members at the second step, and a third step of performing processing for reducing an opponent to which the member has specified.

In the educational expense support processing method according to the first aspect of the present invention, preferably, the second computer converts money obtained by converting the points provided to the member in the second step into the credit provided with the points. The method further includes a fourth step of performing a process of charging at least one of the management source and the product or service provider.
In the education expense support processing method of the first invention, preferably, in the third step, the second computer converts the points into money and returns them to the member; At least one of processing to issue, processing to assign as part of the entrance fee or tuition payment to the educational institution, and processing to transfer money to the student account of the member's bank is performed.

The educational expense support processing apparatus of the second invention is an educational expense support processing apparatus that performs processing related to educational expense support in cooperation with a credit management source, and a member purchases a product or receives a service with the credit. Receiving means for receiving usage status data indicating the usage status of the credit by the member from the credit management source, and the credit management source and the product based on the usage status data received by the receiving means. Alternatively, the member designates the education fee according to the point provided to the member in accordance with an instruction from the member while performing the process of providing the member with the point from at least one of the service providers. And processing means for performing processing for returning to the other party.
Education expense support processing device.

  According to the present invention, it is possible to provide an educational expense support processing method and apparatus capable of saving educational expenses from households without difficulty and inviting high-money consumers to consume by using credit cards.

Hereinafter, embodiments of the present invention will be described with reference to the drawings.
FIG. 1 is an overall configuration diagram of an educational expense support system 1 according to an embodiment of the present invention.
As shown in FIG. 1, the educational expense support system 1 includes terminal devices 9, 11, 15 and servers 12, 13, 14, 18.
Here, the server 12 corresponds to the first computer of the first invention, and the server 18 corresponds to the second computer of the first invention.
The server 18 corresponds to the educational expense support device of the second invention.

When a member purchases a product or receives a service from a member store using a credit card 10, the education support system 1 receives an education fee support company (education of the present invention) from a server 12 of a credit card company (credit management source of the present invention). Usage status data S12 indicating the usage status of the credit card 10 by the member is transmitted to the server 18 of the support organization.
Then, the server 18 performs processing for accumulating the points provided to the member from at least one of the credit card company and the member store based on the usage status data S12.
Then, in response to an instruction from the member, the server 18 pays the educational fee according to the point provided to the member to the partner (member's child, grandchild, etc.) designated by the member. Performs processing for reduction by partial payment or the like.

The terminal device 11 is used, for example, by a member store registered with an educational expense support company and a credit card company. All stores that accept credit cards such as retail stores, restaurants, department stores, supermarkets, hotels, leisure facilities, and travel agencies can be member stores.
The terminal device 11 may be, for example, a member store registered only with a credit card company.
When a member of an educational expenses support company purchases a product provided by the member store or uses a service using a credit card 10, the terminal device 11 communicates with the server 12 for settlement. Process. At this time, the terminal device 11 transmits to the server 12 payment data S11 indicating the member ID stored in the credit card 10 and the payment amount.
Note that the terminal device 11 communicates with the server 12 to verify the validity of the credit card 10 and the credit limit when performing the above-described settlement processing, as necessary.

The server 12 is used by, for example, a credit card company and performs payment processing for a member based on the payment data S11 received from the terminal device 11, performs billing processing for the payment amount of the member, and joins the member. Process payment to the store.
In this case, the server 12 performs, for example, a process of collecting about 1% of the settlement amount as a fee of the credit card company to the member store, and about 0.5% of the settlement amount to the educational expense support company. To collect as support money.
The server 12 also sends the ID of the member who made the payment to the server 18 of the educational expenses support company, the fee paid to the educational expenses support company (about 0.5% of the payment amount), and the amount of the assistance money. Usage status data S12 including data indicating the amount is transmitted to the server 18.
Further, the server 12 performs processing for paying the fee and processing for paying the support money to the server 18.

The server 18 has table data TD that indicates a member ID and a cumulative value of points provided (issued) to the member in association with each other. The server 18 issues the ID to a member registered in advance by the educational expense support company.
Based on the usage status data S12 input from the server 12, the server 18 gives points to the member according to the fee paid from the credit card company and the support money paid from the member store by the use of the credit card 10 by the member. assign.
Then, the server 18 refers to the table data TD using the member ID as a key, identifies the accumulated value of the member's points, adds the issued points to the accumulated value, and adds the result to the new accumulated value. Value.

FIG. 2 is a block diagram of the server 18 shown in FIG.
As illustrated in FIG. 2, the server 18 includes, for example, an interface 21, an operation unit 22, a display 23, a memory 24, and a CPU 25, which are connected via a data line 20.
Here, the interface 21 corresponds to the receiving means of the second invention, and the CPU 25 corresponds to the processing means of the second invention.
The interface 21 communicates with the server 12 and the terminal devices 9 and 13 to 15.
The operation unit 22 is an operation means such as a keyboard and a mouse, and is operated by a person in charge of the educational expense support company.
The display 23 performs screen display according to the display signal input from the CPU 25.
The memory 24 stores a program used for processing of the CPU 25 and various data.
The CPU 25 comprehensively controls the processing of the server 18.
The function of the CPU 25 will be described in association with an operation example of the educational expense support system 1 shown below.

Hereinafter, an operation example of the educational expense support system 1 will be described.
[First operation example]
In the operation example, a case where points are issued to the member by shopping performed by the member will be described.
FIG. 3A is a diagram for explaining the operation example.
Step ST1:
When a member purchases a product or receives a service at a member store, the member uses his / her credit card 10 to make a payment at the terminal device 11.
At this time, the terminal device 11 transmits to the server 12 payment data S11 indicating the member ID stored in the credit card 10 and the payment amount.

Step ST2:
The server 12 performs a payment process for the member based on the payment data S11 received in step ST1, performs a billing process for the payment amount for the member, and performs a payment process for the member store. In this case, the server 12 performs, for example, a process of collecting about 1% of the settlement amount as a fee of the credit card company to the member store, and about 0.5% of the settlement amount to the educational expense support company. To collect as support money.
Step ST3:
The server 12 shows the ID of the member who made the settlement, the fee paid to the educational expenses support company (about 0.5% of the settlement amount), and the amount of the assistance money to the server 18 of the educational expenses support company. The usage status data S12 including the data is transmitted to the server 18.
The server 18 receives the usage status data S12 via the interface 21 shown in FIG.
Further, the server 12 performs processing for paying the fee and processing for paying the support money to the server 18.
Step ST4:
The CPU 25 of the server 18 converts the fee paid from the credit card company by the use of the credit card 10 by the member and the support money paid from the member store into points based on the usage status data S12 received in step ST3, Assign this to the member.
Then, the server 18 refers to the table data TD using the member ID as a key, identifies the accumulated value of the member's points, adds the allocated points to the accumulated value, and adds the result to the new accumulated value. The table data TD is updated as a value.

[Second operation example]
In this operation example, a case where a member uses the points accumulated in the first operation example will be described.
FIG. 3B is a diagram for explaining the operation example.
Step ST11:
The member operates the terminal device 15 to transmit a point return request to the server 18.
The server 18 receives the point return request via the interface 21 shown in FIG.
Step ST12:
When the CPU 25 of the server 18 receives the point return request in step ST11, the CPU 25 displays a screen for inquiring about the point return form on the display of the terminal device 15.
The screen, for example, (1) return the converted money to the member, (2) issue a gift certificate for educational activities, (3) allocate as part of tuition payment to the educational institution by the member (4) The member is allowed to select from a point-reward form such as transferring money to the student's bank account.
Further, when selecting (3) above, the CPU 25 inquires of the member about information specifying the educational institution such as the school paying the tuition fee and the student (for example, the child or grandchild of the member).

Step ST13:
The member operates the terminal device 15 to select a point return form from the screen displayed on the terminal device 10 in step ST12.
Step ST14:
The CPU 25 of the server 18 specifies a cumulative value of the member's points based on the table data TD stored in the memory 24, and performs a point return process corresponding to the cumulative value in the point return form selected in step ST13. .
For example, when the member selects the point return form (4), the CPU 25 accesses the bank server 13 for money corresponding to the accumulated value of the member's points, and the student's student account of the bank. Transfer to.
In addition, when the member selects the point return form (3), the CPU 25 uses the money corresponding to the accumulated value of the member's points as a part of the student's tuition fee designated by the member, such as a school. The transfer is made to the bank account of the educational institution, and that fact is notified to the server 14 of the educational institution.

As described above, according to the educational support system 1, points corresponding to the amount of payment made by the member using the credit card 10 can be accumulated and used as educational funds for the person designated by the member. As a result, educational funds such as school fees can be generated without difficulty. In addition, grandparents and others become members, and the points can be returned as grandchildren's educational funds, so that the funds of the high-income class can be used as educational funds for the grandchildren's generation.
Moreover, according to the educational expense support system 1, the credit card company can increase the number of new members of the credit card company, in particular, high-age-owned seniors, by partnering with the educational expense support company. . In particular, such an elderly group has a low payment delay rate and is a high-quality customer group for a credit card company.
In addition, by registering with the above educational expenses support company, member stores can secure high-quality customers with high assets.

The present invention is not limited to the embodiment described above.
For example, in the above-described embodiment, the server 18 accumulates points according to the use of the credit card 10 by one member. However, according to the use of the credit card 10 by a plurality of members such as grandparents and parents. You may accumulate points together.
Further, the server 18 may return the accumulated value of points as educational funds for a plurality of children.
Moreover, the server 18 may perform the process which converts the accumulated value of points into money, and operates the money as a fund as a point return form.
In addition, the educational support company seeks an understanding of the philosophy from companies and scholarship organizations, receives money and scholarship support from the companies and scholarship organizations, and the server 18 points according to the money. May be distributed to members.
In addition, educational support companies provide members with benefits such as discounts on admission fees and tuition fees for various educational institutions (kindergarten, elementary school, junior high school, high school, university, technical school, cram school, prep school, etc.) You may sign a contract. Thereby, the number of members can be further increased.

  The present invention can be applied to a system that supports educational expenses.

  FIG. 1 is a configuration diagram of an educational expense support system according to an embodiment of the present invention.   FIG. 2 is a block diagram of the server 18 shown in FIG.   FIG. 3 is a diagram for explaining an operation example of the educational expense support system shown in FIG. 1.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 ... Education expense support system, 10 ... Credit card, 11, 15 ... Terminal device, 12, 13, 14, 18 ... Server, 21 ... Interface, 22 ... Operation part, 23 ... Display, 24 ... Memory, 25 ... CPU

Claims (6)

An educational expense support processing method for performing processing related to educational expense support using a first computer of a credit management source and a second computer of an educational expense support organization,
A first step of transmitting usage status data indicating usage status of the credit by the member from the first computer to the second computer when the member purchases a product or receives a service using the credit; ,
A process in which the second computer provides points to the member from at least one of the credit management source and the product or service provider based on the usage status data received in the first step; A second step to perform;
In response to an instruction from the member, the second computer performs a process for returning the education fee corresponding to the point provided to the member in the second step to the partner designated by the member. And a third step of performing an education expense support processing method. The second computer converts money obtained by converting the points provided to the member in the second step into at least one of the credit management source providing the points and the product or service providing source. The education cost support processing method according to claim 1, further comprising a fourth step of performing a process of claiming. In the third step, the second computer converts the points into money and returns them to the member, issues a gift certificate relating to the education, pays the entrance fee or tuition fee to the educational institution The education cost support processing method according to claim 1 or 2, wherein at least one of a process of allocating money as a part of the process and a process of transferring money to the student account of the member's bank is performed. An educational expense support processing device that performs processing related to educational expense support in cooperation with a credit management source,
Receiving means for receiving usage status data indicating the usage status of the credit by the member from a credit management source when the member purchases a product or receives a service using the credit;
Based on the usage status data received by the receiving means, processing for providing points to the member from at least one of the credit management source and the product or service provider, and in response to an instruction from the member Accordingly, an educational expense support processing apparatus comprising: processing means for performing a process for returning the educational expenses corresponding to the points provided to the member to the partner designated by the member. The processing means further performs a process of charging money obtained by converting the points provided to the member to at least one of the credit management source that provided the points and the product or service provider. 4. The educational expense support processing apparatus according to 4. The processing means converts the point into an amount of money and returns it to the member, a process of issuing a gift certificate relating to the education, a process of assigning as part of payment of entrance fee or tuition fee to the educational institution, the member The education expense support processing apparatus according to claim 4 or 5, wherein at least one of the processes of transferring money to a bank's student account is performed.

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