JPH11149503A - Discount amount system using network - Google Patents

Abstract

(57) [Summary] [PROBLEMS] To provide a discount amount system using a network that can automatically provide a discount function of a credit settlement amount according to a credit use situation. I do. SOLUTION: A purchase mediator A registers a discount amount and its expiration date with a member B according to the status of credit transactions through a network, and, based on the credit payment amount, a discount within the expiration date registered with the member B. The amount is automatically deducted and billed to the member B.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a discount system using a network, and more particularly to a system for providing a discount function for a credit settlement amount.

[0002]

2. Description of the Related Art Conventionally, in order to promote the use of credits, there is a credit system in which members are given points for every transaction such as purchase of goods by credits, and prizes are given to members in accordance with the number of points obtained. For example, if a member of a credit sales company, which is a purchase broker, issues a card that can be used commonly at member stores to members who become members, and the member purchases products from the member store using this card, the member store purchases The merchandise provider receives the price for the product, and the purchase mediator receives payment for the product from the member. At this time, points are given to the member each time a product is purchased using the card, and the member can select and receive a prize according to the total number of acquired points within the validity period. Depending on the credit system, this point is given to the member by a printed matter such as a ticket.

[0003]

However, due to the limited types of prizes, receivable prizes have not always been attractive to members. In addition, in order to receive a prize, the member must select a prize according to the total number of acquired points and request the receipt, and there is a risk that the expiration date of the point will expire if the request is forgotten. . Further, when the points are given to the member in the form of a printed matter, there is a possibility that the points may be lost or stolen. For this reason, the members need to manage the points and also need complicated billing to receive the prizes.

The present invention has been made in order to solve such a problem, and a discount amount using a network capable of automatically providing a discount function of a credit settlement amount according to a credit use situation. The purpose is to provide a system.

[0005]

A discount amount system according to the present invention includes a purchase broker that mediates purchases to members through a network, and a member store that is connected to the members and the purchase broker through the network. According to the status of the credit transaction between the member and the member store through the network, the purchase broker registers the discount amount and the expiration date with the member, and the credit broker is within the valid period from the payment amount at the time of credit settlement. A member is billed after subtracting the registration discount amount.

[0006] The purchase broker can exchange points issued by the member store to the member or points obtained by the member through transactions with the non-member store for a discount amount at an equivalent or predetermined exchange rate. When the payment amount is smaller than the registration discount amount, the balance of the registration discount amount can be carried over to the next settlement.

[0007]

Embodiments of the present invention will be described below with reference to the accompanying drawings. FIG. 1 shows a discount amount system according to an embodiment of the present invention. A is a purchase broker,
B is a member who receives purchase mediation by the purchase mediator A through the network, C is a member store connected to the purchase mediator A and the member B via the network, and D is a financial institution. When the member B applies for the purchase of a product to the member store C through the network, the purchase broker A received the notification from the member store C examines the purchase of the product against the purchase limit of the member B, and then checks the member B through the network. Confirms the purchase intention, and then notifies the member store C of the approval of the sale. The member store C, which has been approved for sale, provides the product to the member B and transmits the sales data to the purchase broker A.

[0008] At the time of payment, first, the financial institution D receives the payment data from the purchase broker A and makes an online transfer of the product payment to the account of the member store C. After that, the purchase broker A sends the billing data to the member B to claim the product price and sends the debited data to the financial institution D,
The financial institution D debits the purchase price from the account of the member B to the account of the purchase broker A. If the member B selects lump-sum payment as the payment method when purchasing the product, the purchase price of the lump-sum payment is deducted from the account of the member B to the account of the purchase brokerage agent A. Is debited from the account of purchase broker A to the account of purchase broker A. When the member B selects the bonus payment, the purchase price is deducted in the designated month.

[0009] Here, the purchase broker A registers the discount amount and the expiration date with the member B in accordance with the status of such a credit transaction. For example, when the purchase price exceeds a predetermined amount, or when the member B selects a lump-sum payment method, a discount amount corresponding to the purchase price is registered.
When this registration is made, a registration notice is transmitted from the purchase broker A to the member B via the network, but a printed matter such as a ticket in which the contents of the registration are described is not issued.

[0010] The purchase brokerage company A sets the amount obtained by subtracting the discount amount registered in the member B from the payment amount in that month as the billing amount to the member B. However, the discount amount registered for the member B is valid only within the expiration date, and the discount amount after the expiration date can no longer be used for discounting the payment amount. If the purchase price is smaller than the registered discount amount within the expiration date of the member B, a part of the registered discount amount remains, but this balance is carried over to the next settlement, for example, the next month. It should be noted that the details of the discount are notified to the member B from the purchase broker A by the credit use statement. Further, the member B can inquire the purchase broker A of the registration discount amount at any time through the network.

[0011] In this way, the member B can automatically receive a discount according to the status of the credit transaction at the time of credit settlement. That is, the member B does not need to present the discount amount registered during the credit transaction, and does not need to store and manage the registered discount amount.
Therefore, there is no danger of loss or theft of the printed matter indicating the point as in the related art. Further, since the registered discount amount is automatically deducted from the payment amount at the time of the next settlement, forgetting to use the discount amount is prevented. In addition, the credit use statement notified from the purchase broker A enables the member B to accurately grasp the usage status of the registered discount amount.

[0012] When the purchase broker A registers the discount amount,
Without issuing printed matter etc. with the contents of registration,
Since only the registration notification is transmitted to the member B through the network, no additional expenses such as a printing fee and a mailing fee are required, and the operation cost can be kept extremely low. In addition, by introducing the system of the discount amount as described above, the purchase of goods through the network by the purchase broker A is promoted to the member B.

[0013] Further, as a member store C, a system of a discount amount can be introduced without imposing any load, and the effect of sales promotion to the member B by the discount is expected.

[0014] The discount amount registered in the member B may be used only for a specific member store among a large number of member stores on the network.

When the member store C issues points to the member B independently according to the status of the transaction, the points are exchanged for a discount amount at an equivalent or predetermined exchange rate,
It is also possible to register as a member B. In this way, the points issued between the specific member store C and the member B can be used as a discount amount, and the member B has a wide variety of point use options.

As shown in FIG. 1, a case where a non-member store E which is not a member store C of a purchase broker by a purchase broker A issues points according to the status of a transaction with a member B who is a consumer. Based on a contract between the purchase broker A and the non-member store E, the points can be exchanged for a discount amount at an equivalent or predetermined exchange rate and registered with the member B. As a result, a more versatile discount system is constructed.

In addition, the discount amount can be registered to the member B as a prize of the campaign of the member store C or the purchase broker A. For example, a predetermined discount amount may be registered to the member B who has joined the purchase mediation system by the purchase mediation company A. In addition, the points obtained by the member B by viewing the Internet advertisement of the member store C or the purchase broker A, or the points obtained by playing games on the network, etc., are exchanged for a discount amount at an equivalent or predetermined exchange rate, Member B can also be registered. further,
It is also possible to use the discount amount as a gift from member B to another member.

[0018]

As described above, according to the present invention, the credit settlement amount is automatically discounted in accordance with the use status of the credit, and the members, the purchase brokers, and the members connected to each other via the network are provided. A discount system with a very high use value for each of the member stores is constructed.

[Brief description of the drawings]

FIG. 1 is a diagram showing a discount amount system according to an embodiment of the present invention.

[Explanation of symbols]

 A purchase broker B member C member store D financial institution E non-member store

Claims (4)

[Claims] Claims: 1. A purchase broker that mediates purchases to members through a network, and a member store that is connected to the members and the purchase broker through the network. According to the status of the credit transaction during the period, the member registers the discount amount and the expiration date, and at the time of credit settlement, the purchase broker deducts the registered discount amount within the expiration date from the payment amount and bills the member. A discount amount system using the characteristic network. 2. The system according to claim 1, wherein the purchase broker exchanges the points issued by the member store to the member for a discount amount at an equivalent or predetermined exchange rate. 3. The system according to claim 1, wherein the purchase broker exchanges the points obtained by the member through transactions with the non-member store for a discount amount at an equivalent or predetermined exchange rate. 4. The system according to claim 1, wherein when the payment amount is smaller than the registration discount amount, the balance of the registration discount amount is carried forward at the time of the next settlement.