JP2012215918A - House card settlement system and house card settlement method - Google Patents

Abstract

To provide a system capable of making a smart payment without taking advantage of a house card and without a user presenting the house card.
A credit card company system sends a house card to a member store instead of a customer based on a house card issuance request from a customer who has been introduced by the member store. On the franchisee side, the merchant's terminal is connected to the customer from at least one of the store visit confirmation means such as a face pass by the clerk, conversation including the secret word between the customer and the clerk, customer's mobile terminal ID authentication, customer biometric authentication, etc. The customer pays the customer using the house card stored at the store on the condition that the customer visit is notified by the customer visit notification means that receives the store visit confirmation and notifies the store to the store And a settlement means for billing.
[Selection] Figure 1

Description

  The present invention relates to a house card settlement system and a house card settlement method that allow a customer to pay without presenting a card.

  Recently, there are house cards that can only be used at department stores, supermarkets, oil chains, hotels, and other stores and chain stores managed by companies and groups. House cards are a type of credit card. Compared to ordinary credit cards, companies and groups that issue cards can obtain customer information directly. There is a merit that it is easy to provide fine-tuned services to customers of customers.

  However, for companies and groups, there is a demerit that the card usage amount is also limited by limiting the use of the card only to a specific store / chain. Therefore, in recent years, an example of switching house cards to credit cards in cooperation with international brands is increasing. Also, as disclosed in Patent Document 1, a merchandise price settlement method using a distribution card characterized by having both functions of a house card and a general credit / debit card is also known.

JP 2002-259855 A

  On the other hand, customers are able to purchase without having cash, and even if they have cash, paying with a card provides benefits such as points, etc. is doing. However, the benefits that can be obtained with cards vary depending on the type of goods and services for each card, and card enrollment campaigns are also frequently conducted, so customers always have a large number of cards. To come. For this reason, it is often the case that a large number of cards cannot be stored in a single wallet or card case, and that it is necessary to carry a plurality of wallets or to frequently take out or put in cards from the wallet.

  However, in such a case, there is no target card in the wallet that you carry, so if you pay by card, you can pay in cash and you can not collect points, or you pay with an unintended card There were also disadvantages such as In addition, “payment”, which has existed as part of Japanese culture since ancient times, can be realized with a credit card mechanism, but ultimately, the card is presented on the spot, and a sign or a PIN is entered. I want to save time. In particular, there is a case where a smart response without payment is desired for entertainment.

  In the present invention, in view of the above-described problems, a house card settlement system and a house card settlement method that allow a user to make a smart payment without taking the house card while taking advantage of the house card are provided. The purpose is to provide.

In order to solve the above problems, the house card settlement system of the present invention provides the following solution.
A house card payment system in which a customer can make a card payment without presenting a card at a store, the credit card company system and a member store terminal are connected via a network, and the credit card company system Based on a request for issuance of a house card from a customer who has been introduced, a means for sending a house card to the member store is provided, and the member store terminal receives the customer's visit confirmation from the predetermined store visit confirmation means and enters the store. Regular customer visit notifying means for notifying, and settlement means for billing the customer using the sent house card on the condition that the customer visit has been notified by the regular customer visit notifying means, It is characterized by providing.

  According to such a feature, in this house card payment system, a customer introduced by a member store requests a credit card company to issue a house card, and this house card is sent to the member store instead of the customer. Stored at the member store. When a customer visits a member store, the member store has a predetermined store confirmation means for confirming that the customer has visited the store. When the store confirmation means confirms the store terminal, the store terminal Send customer notification to the store. On the condition that this regular customer visit notification is made, the settlement means of the store terminal can charge the credit card company for the amount used by the customer with the stored house card.

  With such a configuration, the customer does not need to carry a card and can make payment smartly without presenting the card at a familiar store. Also, there is no worry about card loss or theft. Furthermore, since the house card cannot be used except by the member store, the card is not taken away from the member store and misused. This is the same regardless of the number of merchants to use and the number of cards.

The house card payment system can further include the following features.
The store visit confirmation means is characterized in that the store clerk confirms the customer's visit to the store by authentication of the customer's face or a conversation with the customer including a predetermined secret keyword.

  According to such a feature, the store visit confirmation means is based on customer confirmation (face pass) by the clerk, but not all clerks know the customer's face. Confirm that the customer has visited the store by exchanging conversations with the customer. Because this secret word is not a simple thing like “mountain” → “river”, it is included in the natural conversation between the customer and the store clerk, so there is a danger that the secret is known to others Less is.

The house card payment system can further include the following features.
The store visit confirming means confirms the visit of the customer based on the ID of the portable terminal that the portable terminal carried by the customer communicates with the member store terminal through near field communication.

  According to such a feature, the mobile terminal carried by the customer and the store terminal automatically communicate with each other by short-range wireless communication to obtain the customer mobile terminal ID, which matches the pre-registered customer mobile terminal ID. Automatically confirming customer visits. By doing in this way, a customer's visit can be confirmed even if the store clerk does not necessarily notice the customer's visit.

The house card payment system can further include the following features.
The store visit confirmation means confirms the customer's visit to the store by biometric authentication using any one of fingerprint authentication, palm authentication, voiceprint authentication, and face authentication.

  According to these features, customers can use any biometric authentication means that are widespread in the world, such as fingerprint authentication and palm authentication, and the customer can check the store visit by simply touching the authentication device provided at the store reception. Can do.

The house card payment system can further include the following features.
The credit card company system is characterized by comprising customer usage confirmation means for requesting the customer to confirm the use of the house card when the member store terminal is charged for the use of the house card.

  According to such a feature, the credit card company system can ask the customer to confirm that the house card was used at the store when charged by the member store. It helps to prevent unauthorized charges and unauthorized use by third parties.

The house card payment system can further include the following features.
The store visit confirmation means requests a reconfirmation by a store clerk after ID authentication of the portable terminal.

  According to such a feature, the terminal of the store has means for notifying the store clerk of the reconfirmation request after authentication using the above-described customer mobile terminal ID. In this way, even if someone else steals the customer's mobile terminal and tries to misuse it, it can be prevented beforehand.

The house card payment system can further include the following features.
The payment means performs payment on the condition that there is a use reservation from the customer.

  According to such a feature, even if the customer himself / herself does not visit the store, the agent can use his / her house card by making a use reservation in advance in the store. At the store side, when the agent visits the store, it is confirmed that the information matches the reservation information (name of the agent, characteristics, scheduled visit time, number of people accompanied, etc.). This feature is useful, for example, in situations where a boss orders a subordinate to entertain a customer.

The house card payment system can further include the following features.
The house card is digital information including registration information when the customer issues a card.

  According to such a feature, the house card issued from the credit card company can be digital information, not a real card. By doing so, even if there are a large number of member stores used by customers, such as chain stores, it is not necessary to send a physical card to each store. Also, by sending house card customer information from a familiar member store to another member store that the customer wants to use newly, even if this is the first customer, another member store will be a visitor based on that customer information. Confirmation can be made. In addition, good customers can be introduced between member stores.

The house card payment system can further include the following features.
The house card is a child card of a normal credit card.

  By doing in this way, even if there are many house cards for each member store, it is possible to combine benefits such as each house card point into one credit card of the parent card.

  This house card payment system can also be understood as an invention of a house card payment method as follows. This house card settlement method has the same characteristics as the above-described system, and has the same effect.

  A house card payment method in which a customer can make a card payment without presenting a card at a store, the credit card company system and a member store terminal are connected via a network, and the credit card company system is connected to the store from the member store. A step of sending a house card to the member store based on a house card issuance request from the customer who has been introduced, and the member store terminal receives the customer visit confirmation from a predetermined store confirmation means and notifies the store And a step of billing the customer for payment using the sent house card on the condition that the customer visit is notified by the regular customer visit notification step. It is characterized by that.

  According to the present invention, it is possible to provide a house card settlement system and a house card settlement method that allow a user to make a smart payment without taking the house card while taking advantage of the house card.

It is a figure which shows the structure of the face pass house card which concerns on the 1st Embodiment of this invention. It is the conceptual diagram which registered the house card as a child card of an international brand credit card. It is a figure which shows the system configuration | structure of a house card payment system. It is a figure which shows the processing flow of the store visit confirmation means which concerns on the 1st Embodiment of this invention. It is a figure which shows an example of the "regular customer visit confirmation screen" concerning the 1st Embodiment of the present invention. It is a figure which shows the structure of the face pass house card which concerns on the 2nd Embodiment of this invention. It is a figure which shows the processing flow of the store visit confirmation means which concerns on the 2nd Embodiment of this invention. It is a figure which shows the structure of the face pass house card which concerns on the 3rd Embodiment of this invention. It is a figure which shows the processing flow of the store visit confirmation means which concerns on the 3rd Embodiment of this invention. It is a figure which shows an example of the "regular customer visit confirmation screen" concerning the 3rd Embodiment of this invention.

  DESCRIPTION OF EMBODIMENTS Hereinafter, embodiments for carrying out the present invention (hereinafter referred to as embodiments) will be described in detail with reference to the accompanying drawings. Note that the same number is assigned to the same element throughout the description of the embodiment.

  FIG. 1 is a diagram showing a mechanism of a face pass / house card according to the first embodiment of the present invention. “Face Pass / House Card” is a term that describes a mechanism of the present invention that allows a customer to pay without presenting a card. The numbers in the figure represent the order of each step, and will be described along the steps.

  First, a customer (user) requests a credit card company to issue a house card for a specific member store to be used (step 1). The card issuance procedure is almost the same as a normal credit card, but is based on the introduction from the store and customer consent. Further, this house card can be a child card of a normal credit card held by a customer. Since this house card is premised on customers with high creditworthiness, it may be restricted by a credit card company so that the customer is a platinum card or gold card holder and only those cards can be used as a parent card.

  In addition, since this house card is premised on use at a specific member store, the member store and the credit card company have contracted in advance, and the limit of use is determined by the member store's industry and customer credit information. It is also possible to change the usage limit depending on the usage status of the customer. However, if the house card is a child card, the usage limit cannot exceed the usage limit of the parent card.

  Next, the credit card company issues the requested house card to the member store (step 2). Ordinary credit cards and house cards are sent to the customer side, but this house card settlement system is characterized by being sent to the member store side and stored at the member store side. The customer need only be notified that the card has indeed been delivered to the merchant. It is also possible for the member store to refuse to receive the card, such as when the customer's house card is not introduced. This is because the house card settlement system is based on the premise that there is a trust relationship between the customer and the member store. When a member store is a chain store or the like and has a plurality of stores, it is usually sent to the headquarters of the chain store. Or even if it is a chain store, since the store with which a customer is familiar is limited, you may make it send a house card only to the store (usually several stores) which a customer designates. By storing the card at the store side in this way, the customer does not have to carry a house card for each member store.

  The member store that has received the house card confirms that the customer has visited the store by some means such as “face pass” (step 3), and provides goods / services (step 4). If the customer's identity cannot be confirmed, it is treated as a regular customer. If you can confirm that you are a customer of a house card, you will not be charged directly to the customer, but will be charged to the credit card company using the customer's house card stored at hand by the merchant. (Step 5). However, at this time, the member store cannot charge more than the usage limit predetermined for each customer. Accordingly, since products and services exceeding the usage limit cannot be provided, if the usage limit is exceeded, the customer is informed.

  In addition, as a mechanism to prevent unauthorized charges at the store side, customers can apply for store use reservations (date and time of use, estimated amount, etc.) to the credit card company before or at the same time as the store. It is desirable (step 3 '). This use reservation uses a service that a credit card company normally provides to a platinum card member or a gold card member on the condition that the credit card company uses its own credit card. Note that a credit card company may use a reservation for a certain period of time for a new member store as a payment condition to the member store.

  When the credit card company receives a charge from the member store, it sends a usage confirmation notice to the customer (step 6). The means for sending may be internet communication means such as electronic mail in addition to telephone and mail. The customer who has received the usage confirmation confirms that the customer has used the store and the usage amount, and then approves the settlement by the same means (step 7). However, this approval step may be omitted for customers with high creditworthiness and only a usage notice may be sent. In this case, it is assumed that it is approved after a certain period (automatic approval). In the first place, the store that can issue this house card has a certain level of trust, and the customer applies for the card (inspection) with the customer's consent by referral from the store. Usually there is no problem. However, we will accept corrections from customers only if there is any objection.

  When the credit card company receives the approval or automatic approval from the customer, the credit card company pays the member store (step 8). After that, the customer is notified of the point grant information according to the invoice and the usage amount from the credit card company (step 9), and the member store side is also notified of the point information and the like (step 10). Finally, the credit card company confirms the completion of the payment by debiting the account from the customer (step 11), and the settlement ends.

  With such a structure, the customer can make a smart settlement at a familiar store without presenting a card. There is no worry of card loss or theft. In addition, by registering a credit card to be a parent card of a house card, points can be collected on a specific credit card, and a point program service of a member store and a credit company can be enjoyed.

  For the merchant, there is a risk that the conventional “payment” cannot collect the money, but the risk can be avoided by using a credit card mechanism. In addition, it is possible to manage customer usage, payment methods, etc. on the store side, and to develop new customer services. In addition, by diverting this mechanism, it is possible for the store side to grasp the benefits attached to the parent card without the customer presenting the card, and the service to the customer can be improved. For example, providing special services for Platinum and Gold members.

  FIG. 2 is a conceptual diagram in which a house card is registered as a child card of an international brand credit card. As already mentioned, it is desirable that this house card be issued with a credit card affiliated with an “international brand” as the parent card. With a house card alone, the card usage amount is limited, and it is necessary for the card issuer to construct its own card system, which places a heavy burden on the card issuer. In addition, it is possible to use both a house card and a normal credit card as a single card, but even if you do so, you must make a card for each member store (corporate group) that you want to use the house card. And customers will always have to carry these cards.

  FIG. 2 shows that three house cards A, B, and C are registered with one international credit card as a parent card. As shown in the drawing, the house card of the child card does not have to be the owner of the parent card as long as certain conditions such as family are satisfied. For example, my husband uses it for payments at restaurants, entertaining business hotels, gas stations, etc. while my wife uses it for shopping at department stores and specialty stores, and paying at esthetic chain stores. Points can be used together on one credit card. Also, the house card users are not just such individuals. There is a possibility that the number of users of this house card will increase even in industries where traditional analog “payments” are the mainstream, such as payments to department stores for external sales and suppliers.

  FIG. 3 is a diagram showing a system configuration of the house card settlement system. This figure shows an example of a house card payment system (hereinafter referred to as this system) that specifically realizes the mechanism of the face pass / house card in the previous figure. In this system, a credit card company system 10 is connected to a member store terminal 30 via a dedicated network for credit card payment such as a CAFIS (Credit And Finance Information Switching system), and the customer mobile terminal 40 and the Internet. It is connected so that it can communicate via.

  The card company server 11 manages customer information stored in the customer information DB 12 and manages member store information stored in the member store information DB 13. The customer information DB 12 stores the customer's address, name, address, telephone number, payment method, specified personal identification number, credit information such as annual income and work place, and ID of a portable terminal such as a cellular phone if possible. The The member store information DB 13 stores member store registration information, particularly in the case of chain stores, headquarters and group information. Although not specifically shown, the credit card company system 10 includes means for sending a house card to a member store based on a house card issuance request from a customer who has received an introduction from the member store. The processing of these DBs and servers can be used almost as is by a general credit card company system.

  The customer use confirmation means 14 notifies the customer of the use contents (use date, use shop, fee, and the contents thereof) to the customer when a request for use of the house card is received from the member store terminal 30, and requests confirmation / approval. It has the function of. Whether or not the customer's approval is requested for the usage notification differs depending on an embodiment to be described later. The customer use confirmation unit 14 is typically a notification unit using an e-mail or other Internet, but may be telephone contact or postal mail.

  When the customer uses the house card, the use reservation receiving means 15 receives the use reservation information (scheduled visit time, estimated usage amount, etc.) before or during the visit to the store and receives the use reservation information. It fulfills the function of notifying the store. When the member store is a hotel, a high-class restaurant, etc., it may have a reservation function for vacant rooms and empty seats. The use reservation accepting means 15 may be a reservation accepting by telephone in addition to an input on a dedicated website on the Internet.

  In this system, since the customer does not bring a card, as shown by the dotted line in the figure, a means (a store visit confirming means) that can confirm the customer himself / herself when visiting the store is necessary. As the store visit confirmation means, (1) “Face Pass” by the store clerk (employee) is most preferable, but when that is not possible, (2) a method of exchanging secret words with the store clerk, (3) one of the customer's body There are a plurality of methods capable of verifying the identity of a customer without having to know the customer, such as a method for biometric authentication of a department, (4) a method for communicating with a mobile terminal carried by a customer, and authenticating the customer. desirable. Whichever method is used, it is important to be natural and smart so that customers do not feel burdened.

  The member store terminal 30 is installed in the store of the member store, and is a terminal for notifying the store of the customer's visit to the store and for paying the price with the stored house card. When a regular customer who uses a house card visits the regular customer visit notification means 31, when a store clerk at the reception desk first recognizes the customer and performs a predetermined operation, it detects this and also notifies other store clerks in the store. It performs a notification function so that it can be understood. The predetermined operation is to select the customer from the list of regular customers using a terminal in the store. The notification method is displayed on a screen of a display device or a member store terminal 30 installed in a place where only the store clerk can visually recognize. You may use voice etc. together. If the store is relatively small and the store clerk can see all of the customers, no notification to the store is required. However, in order to leave a record that the customer has definitely visited the store, the regular visitor notification means 31 records the customer's name or identifier, the date and time of visit, etc. when the store clerk performs the predetermined operation. This record is transmitted to the settlement means 34 described later.

  The biometric authentication means 32 is an optional equipment, and when it is difficult for the store clerk to grasp all of the customer's visits, the fingerprint is obtained by having the customer touch the finger or palm of the terminal provided at the reception desk or the like. It performs functions for biometric authentication such as authentication and palm authentication. The biometric authentication may be another means such as face authentication or voiceprint authentication as long as it does not burden the customer. The registration information of the customer for biometric authentication may be registered in a house card sent from a credit card company, but it is preferable to include means that can be registered and changed on the member store side.

  When the customer carries a portable terminal such as a cellular phone, the portable terminal authentication means 33 automatically uses the portable terminal and short-range wireless communication such as Bluetooth (registered trademark) with the portable terminal when the customer visits the store. It communicates with each other and performs the function of authenticating customers without burden. By limiting the communication means to short-range wireless communication, it is proof that the customer's terminal is surely present at the store at that time without using location information such as GPS. The customer portable terminal 40 may be a mobile phone, a PHS, a tablet terminal, a PDA, and an IC card for identification.

  The settlement means 34 is connected to the card reader 35 and reads the customer's house card 36 stored at the store side, sends information necessary for settlement to the credit card company, and performs a billing function. At the time of payment, in addition to the card number, card holder, card PIN, expiration date, conditions specific to this house card, i.e., whether the usage limit set in advance by the store is exceeded, The settlement means 34 checks whether the visit has been confirmed by the regular visitor notification means 31 or, if necessary, whether there is a prior use reservation.

  The customer usage information storage means 37 stores information and a list of all customers whose house card registration is completed, and store visit information of those customers. In addition, customer point information notified from the credit card company at a later date is also recorded. The obtained point information and the like can be used for providing customer service on the store side. The customer use information storage unit 37 may be provided in the member store terminal 30, or may be provided in a server in the store or a server in the headquarters.

  The clerk mobile terminal 38 is a small terminal that is usually carried by a store clerk in the store so that the store clerk can take orders from the customer or contact other store clerk. The store clerk has means for notifying the regular customer visit notifying means 31 of the customer visit using the store clerk portable terminal 38 when the customer passes the reception. At the time of this notification, the store clerk presses a predetermined button on the terminal to read a list of regular customers from the customer usage information storage means 37 and selects the customer from the list.

  The functional configuration of the system described above is merely an example, and one functional unit may be further divided or a plurality of functional units may be configured as one functional unit. In each functional unit, a CPU (Central Processing Unit) built in the apparatus reads a computer program stored in a storage device such as a ROM (Read Only Memory) or a hard disk, and the computer program executed by the CPU is Reads and writes necessary data such as tables from a database (DB; Data Base) stored in a storage device or a storage area in memory, and in some cases, related hardware (for example, input / output devices, display devices, communication interfaces) This is realized by controlling the apparatus. In addition, the database (DB) in the embodiment of the present invention may be a commercial database, but it simply means a collection of tables and files, and the internal structure of the database itself does not matter.

  FIG. 4 is a diagram showing a flow of store visit checking means according to the first embodiment of the present invention. In this system, since the customer does not present the card, the regular customer visit notifying means 31 needs to detect that the customer himself / herself has visited the store. The flow of the store visit confirmation process for that is shown. However, this flow is an example, and the order of some steps may be changed.

  First, in step S10, it is desirable to provide a mechanism (entrance sensor or the like) for detecting whether or not there is a store visitor at the entrance or reception of the store. If a store visitor is detected, the process proceeds to step S11 to call a store clerk. The means for calling the store clerk may be a chime or a display lamp. When the store clerk responds to the visitor and confirms that the customer is a regular customer using the house card, the regular customer visit notification means 31 provided in the member store terminal 30 is operated. This operation may be performed by pressing a predetermined button or the like, or may be performed from the clerk portable terminal 38. If the clerk can recognize the customer by the “face pass”, for example, the store clerk presses the “face pass button” on the terminal (step S13). When the face pass button is pressed, the process moves to step S16, and a regular visitor notification is notified in the store. This notification means is displayed on the display lamp in the store or on the clerk portable terminal 38.

  If the store clerk happens to be unfamiliar with the customer, a secret for use of the house card is determined in advance by the store and the customer, and if the secret matches, the “word match button” is pressed (step S14). It is desirable that the secret word used here is a natural and smart conversation. For example, clerk: “Welcome, do you have a reservation?” → Customer: “I haven't made a reservation today, but when will XXX be free?” Clerk: “Unfortunately XXX is busy, but YYY → Customer: There will be a series of conversations like “Please ask with YYY”, where “normal XXX” and “if YYY” are the key words. Naturally, “XXX” and “YYY” are imaginary seats, guest rooms, and services. Of course, for confirmation, after passing the customer through the store, a store clerk who is acquainted with the customer may reconfirm (step S18). In this reconfirmation request process, specifically, “Reconfirmation” is displayed on the terminal, and if the customer cannot be confirmed even by another store clerk, the secret word may be leaked. Give instructions to notify immediately. In the reconfirmation request process, if confirmation cannot be made by any means, the process proceeds to step S19, and a process for handling as a general customer is performed. In this case, payment with a house card is not possible.

  Returning to step S12, if it is difficult for the customer to come into contact with the store clerk when visiting the store, the customer mobile terminal 40 such as the mobile phone carried by the customer and the member store terminal 30 are short-distance wireless communication means as described above. In this case, the customer visit may be automatically detected (step S17). In this case, a short-range communication device may be installed at a store entrance or the like and connected to the member store terminal 30. In addition, ID of the customer portable terminal 40 shall be registered beforehand. However, as shown in the figure, it is preferable to request reconfirmation by the store clerk in step S18 even if the terminal authentication is OK. This is because the possibility of unauthorized use of the customer portable terminal 40 is also conceivable. Further, if possible depending on the situation of the store, the store visit confirmation may be performed using the biometric authentication means 32 such as fingerprint authentication at the reception or the like (step S15). The completion of the regular customer notification process in step S16 is also notified to the settlement means 34 of the member store terminal 30, and thereafter, the customer's house card stored in the store can be received.

  FIG. 5 is a diagram showing an example of a “regular customer visit confirmation screen” according to the first embodiment of the present invention. The “regular customer visit confirmation screen” is an example of a notification method of the regular customer visit notification means 31 and is a display means for notifying the store of regular customer visits. This display is displayed on a display device installed in a reception window or a place where only the store clerk can see, or the member store terminal 30 or the store clerk portable terminal 38.

  As shown in the figure, panels 50a to 50d on which the names and photos of regular customers are posted are displayed on this screen. The customer's photo is taken when the house card is registered or when the customer visits the store. A caricature representing the characteristics of the customer may be used instead of a photograph. When the store clerk confirms that the regular customer visits the store, by pressing the store visit buttons 51a to 50d, the corresponding customer's panel is turned on and notified to the store. A customer who has made a reservation for visiting the store or a customer who has already visited the store may change the color and display it. This panel is turned off when the customer leaves the store. Instead of the store clerk pressing the store visit button, if the customer visit can be automatically confirmed by terminal authentication or the like, the corresponding customer panel is turned on by notification from the authentication means.

  Further, on the store visit confirmation screen, as shown by the area 60 in FIG. 5, an example of exchanging “secret words” decided in advance with the customer may be displayed. However, secret words should be displayed only when they are needed. The secret word usually starts with the “clerk” of the store clerk, and is an exchange of words that is likely to appear in the subsequent answer, but always includes a predetermined keyword. In this example, it is assumed that the underlined portion in the figure is a keyword for secret words, and the words before and after may be slightly changed. Also, even if the clerk can confirm the customer's face and name as in the customer of FIG. 50b, the customer's name is exchanged first in order to check whether the customer wants to use the house card. The language may be a secret conversation for using the house card. By making the secret word a natural conversation in this way, it is possible to prevent other customers from knowing that the secret word is the secret word. It goes without saying that this secret word is provided with means that can be changed at any time. By providing such a display screen, it is possible to smoothly cope with the house card system even if all store clerks do not remember the names and faces of regular customers.

  FIG. 6 is a diagram showing the mechanism of the face pass / house card according to the second embodiment of the present invention. In the first embodiment, it is assumed that a customer visits a familiar member store A, but here, a case where a customer visits another member store B that is a chain store of the familiar member store A is considered. This case can be easily dealt with by slightly changing the mechanism of FIG. 1 (Embodiment 1). Only the parts different from FIG. 1 will be described below.

  First, in the first embodiment, the customer requests the issuance of an actual house card in Step 1 and can be used only at a familiar store where the house card is sent and stored. However, the house card issued in this embodiment (Embodiment 2) is a “digital house card”, and is not a real card but a digital information of the card. This digital house card is certified by a third-party digital certificate authority and is sent to a familiar member store A (a store that introduced the customer to use the house card) (step 2). Thus, by using the house card as digital information, even if the number of member stores used by the customer increases, it is not necessary to send a physical card to each store.

  If the customer wants to use the same house card at a merchant B instead of the familiar merchant A for some reason (business trip, travel, etc.), contact the credit card company in advance with the reservation (step) 3). This use reservation is an option in the first embodiment and has the purpose of preventing not only a reservation but also an illegal charge on the store side, but is essential in the second embodiment. The reason why the reservation is made not to the member store B but to the credit card company is that the credit card company has the credit information of the customer. When making a reservation, identification of the customer's name, address, date of birth, etc. is performed. The credit card company that accepts the use reservation, after confirming with the member store B, notifies the member store A and the customer that the reservation has been made at the member store B (not shown). Upon receiving the notification, member store A transmits information (customer data) of the customer's digital house card to member store B (step 4). At this time, the “secret word” exchanged with the member store A may be transmitted to the member store B, or after confirming that the digital house card has been transmitted, the customer transmits another secret word to the member store B. May be exchanged with.

  Here, the use reservation is made via the credit card company, but it may be made to the familiar member store A. Such a case may be a case where the customer contacts the member store A about the reservation, but the member store A happens to be full or the product is out of stock and introduces another member store B. The member store B is welcome to introduce high-quality customers from the same chain store. In addition, the member store A and the member store B do not necessarily have to be the same type of business as a chain store, and may be stores of the same company group. Since the member store A is familiar with the profile of the customer who is the customer, introducing a member store of another industry that suits the customer's hobby is also part of the customer service. In this way, the use of house cards is further promoted by introducing high-quality customers between group stores.

  FIG. 7 is a diagram showing a flow of store visit checking means according to the second embodiment of the present invention. In the second embodiment, since the customer visits the first member store B that is not familiar with the face, the store side cannot confirm the store visit by “face pass”. Therefore, in the store visit confirmation process flow, instead of the “face pass” in step S13 in FIG. 4, the store clerk confirms whether or not it matches the customer data transmitted from the member store A as in step S13a in FIG. Of course, if the customer data from the member store A includes a face photograph, a face pass can be made by comparing with the photograph. However, in the first case, it is desirable to combine it with other methods. The processing after step S13a is the same as in the case of FIG. In the member store B, the credit card company notifies the user of the use reservation, and the member store A receives the customer data including the digital house card. Yes. If the customer becomes familiar with the face at member store B, use reservations are not necessarily required for subsequent visits.

  FIG. 8 is a diagram showing the mechanism of the face pass / house card according to the third embodiment of the present invention. In the first embodiment and the second embodiment, the case where the customer himself / herself visits the member store A or the member store B is considered. However, in the third embodiment, the customer's house card is used with a third party other than the customer as an agent. Consider the case to let you. Such a case occurs when the boss asks the subordinate to entertain the customer, or when he / she wants to talk to his / her subordinate or friend at a drinking party or party that he / she cannot afford to attend. It also occurs when a family member who does not have a card asks for shopping. Even in such a case, the house card can be easily adapted. Hereinafter, in FIG. 8, only the parts different from FIG. 1 will be described.

  Here, it is assumed that the house card issuance has already been completed. When the customer wants the agent to use the house card temporarily at the member store A, first, as step 1, the house card is reserved for use with the credit card company. If the credit company that has made the reservation confirms that it is the customer, in step 2, use reservation information (for example, the name of the agent, the characteristics, the scheduled visit time, the number of people to be accompanied, etc.) is sent to the member store A. Send. The customer may make a reservation directly to the familiar member store A (step 1 '). In this case, the usage data transmission process in step 2 is not necessary. A secret word may be included in the use reservation information, but it is desirable that this secret word is different from the one that is normally used. This is to avoid leaking secret words to a third party.

  Thereafter, when an agent who is a third party visits the member store A, it is checked against the use reservation information (step 3), and if it is OK, the subsequent house card can be settled. In this case, since the store visit confirmation is performed only with the use reservation information, it is desirable for the agent to report to the customer in step 5. When the customer receives a usage notification from the credit card company in step 7, in this case, the customer approves instead of automatic approval (step 8). In the third embodiment shown in FIG. 8, the house card is a physical card, but a digital house card as in the second embodiment may be used.

  FIG. 9 is a diagram showing a flow of store visit checking means according to the third embodiment of the present invention. The store visit confirmation processing flow of the third embodiment is different from that in FIG. 4 and only reservation data match (step S13b) and password match (step S14) are used as store visit confirmation means. However, if there is any doubt about the agent who has visited the store, a confirmation call is made to the customer himself / herself by the reconfirmation request processing in step S18. Thus, the store visit confirmation is simple, but the risk is reduced for the credit card company and the member store by requiring the approval by the customer at a later date.

  FIG. 10 is a diagram showing an example of a “regular customer visit confirmation screen” according to the third embodiment of the present invention. This store visit confirmation screen is basically the same as the case of FIG. 5, but it is indicated by reference numeral 52 on this screen that the agent visits the store when the customer makes a reservation together with the use reservation information. It is preferable to display it. The secret word for the agent is also displayed. In this example, “Saito's sword” is the keyword. By doing so, it is well known that a representative of a regular customer visits the store, and a smooth response can be made. It can also be a chance to increase new customers through introductions from customers.

  In Embodiments 1 to 3 described above, it is explained that an individual customer uses a house card. However, as described above, the user of this house card is customary to use the traditional “payment”. It may be a supplier. In that case, the store visit confirmation means may be simpler than that described above. For example, not only the “face pass” but also an ID card that proves that it is a trader can be presented or a predetermined device is touched. In any case, this house card can be paid without the customer carrying it around, so it is very useful for customers who have a lot of cards and want to make payment as easy as possible. This system can also be used as a means for acquiring new customers for credit card companies and member stores.

  As mentioned above, although this invention was demonstrated using embodiment, it cannot be overemphasized that the technical scope of this invention is not limited to the range as described in the said embodiment. It will be apparent to those skilled in the art that various modifications or improvements can be added to the above-described embodiments. Further, it is apparent from the scope of the claims that the embodiments added with such changes or improvements can be included in the technical scope of the present invention.

10 Credit card company system 11 Card company server 12 Customer information DB
13 Member store information DB
14 Customer usage confirmation means 15 Usage reservation acceptance means 21 Dedicated network 22 Internet 30 Member store terminal 31 Regular customer visit notification means 32 Biometric authentication means 33 Mobile terminal authentication means 34 Payment means 35 Card reader 36 House card 37 Customer usage information storage means 38 Sales assistant mobile terminal 40 Customer mobile terminal 50a-50d Regular customer photo 51a-51d Visit button 52 Agent reservation information 60 Secret column

Claims (10)

A house card payment system in which a customer can make a card payment without presenting a card at a store,
The credit card company system and merchant terminals are connected via a network,
The credit card company system is:
A means for sending a house card to the member store based on a house card issuance request from a customer who has been introduced by the member store;
The member store terminal is
Regular customer visit notification means for receiving the customer visit confirmation from the predetermined store confirmation means and notifying the store;
A settlement means for billing the customer using the house card sent on condition that the customer visit is notified by the regular customer visit notification means;
A house card settlement system comprising:   2. The house according to claim 1, wherein the store visit confirmation unit confirms the store visit of the customer by authentication of the customer's face authentication or conversation with the customer including a predetermined secret keyword. Card payment system.   The said store visit confirmation means confirms the said customer's store visit based on ID of the said portable terminal which the portable terminal and the said member store terminal which the said customer carry and communicated by near field communication. The house card payment system according to claim 1 or 2.   The said store visit confirmation means confirms the said customer's store visit by the biometrics authentication using any one means of fingerprint authentication, palm authentication, voiceprint authentication, and face authentication, The Claims 1 thru | or 3 characterized by the above-mentioned. House card payment system.   4. The house card payment system according to claim 3, wherein the store visit confirmation means requests reconfirmation by a store clerk after ID authentication of the mobile terminal.   2. The house card payment system according to claim 1, wherein the payment means performs payment on condition that there is a use reservation from the customer.   The system of the credit card company includes a customer usage confirmation unit that asks the customer to confirm the use of the house card when the member store terminal requests the use of the house card. Item 7. A house card settlement system according to item 1.   8. The house card payment system according to claim 1, wherein the house card is digital information including registration information when the customer issues a card.   9. The house card settlement system according to claim 1, wherein the house card is a child card of a normal credit card. A house card payment method in which a customer can make a card payment without presenting a card at a store,
The credit card company system and merchant terminals are connected via a network,
The credit card company system
Sending a house card to the member store based on a house card issuance request from a customer who has been introduced by the member store;
The member store terminal is
Regular customer visit notification step of receiving the customer visit confirmation from a predetermined store visit confirmation means and notifying the store;
Billing the customer using the sent house card on the condition that the customer visit has been notified by the regular customer visit notifying step;
A house card settlement method, comprising:

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