WO2002052464A1

WO2002052464A1 - Commodity purchase premium saving system

Info

Publication number: WO2002052464A1
Application number: PCT/JP2001/011122
Authority: WO
Inventors: Takamoto Onoda; Hirohisa Makino; Yoshiaki Kitagawa; Atsushi Nakagawa
Original assignee: Takamoto Onoda; Hirohisa Makino; Yoshiaki Kitagawa; Atsushi Nakagawa
Priority date: 2000-12-22
Filing date: 2001-12-19
Publication date: 2002-07-04
Also published as: JP2002189964A

Abstract

A premium saving system for promoting sale in which a premium corresponding to the accumulated amount of money used to purchase commodities is provided later by pooling the premium as savings thereby greatly enhancing the attraction. The system is characterized by comprising an operating institute for operating the system having a center computer, sellers having computers and being under contract for deposition of premiums with the operating institute, consumers having terminals capable of accessing the center computer and the computers of the sellers and being under contract for deposition of premiums with the operating institute, remitting means for remitting a commodity payment and a premium, and paying means for paying the trust amount to a consumer.

Description

Description Premium gold savings system when purchasing products Technical field

When the general consumer purchases various products including, for example, an entrance ticket for a theater, the present invention is applied to a case in which the seller pays for a discount, Alternatively, "premium money", such as a premium that is arbitrarily added to the product price, is deposited in the "premium money savings system management organization" and after a certain period of time, the consumer can purchase the money based on the prescribed contract terms. And a premium savings system at the time of product purchase so that the deposit can be repaid. Background art

Conventionally, when a general consumer brings a membership card issued by, for example, a supermarket or the like, "purchase points" corresponding to the purchase amount are recorded on the membership card, and when a certain number of points are collected, A system that allows customers to convert their accumulated points into monetary values when presenting them at the time of shopping has been widely adopted as a sales promotion measure. Also, in “Kaikai 7—2 7 8 7 3”, for example, a member card (annuity card) issued by a gas station or a grocery store stores and stores consumer purchase information for a certain period of time. An invention is disclosed that states that after the expiration of the period, products such as gasoline that are worth the purchase result will be provided free of charge.

However, there is a way to record the purchase results of individual consumers on the above membership card or annuity card, and when the purchase results are accumulated, receive a product with an amount corresponding to this result, There were some difficulties as listed below.

(1) Multiple types of membership cards issued by each seller of goods must be kept and stored.

(2) Each time you shop, it takes time to select the card you want.

(3) The reward offered for the cumulative purchase performance of products is limited to products handled by dealers. (4) Therefore, such a sales promotion system cannot be expected to have any kind of effect, such as "saving living surplus."

Therefore, an object of the present invention is to provide a reward corresponding to the cumulative purchase amount of a product at a later date, while referring to a conventional sales promotion system, which is not required for an existing system, and "every time a product is purchased. The goal is to provide a premium money savings system when purchasing products, which can be more effective, such as automatically saving some money in proportion to the purchase price, for example, useful for retirement. Disclosure of the invention

To achieve the above object, the premium gold saving system at the time of product purchase according to the present invention is:

When a consumer purchases a product, the seller of the product deposits a discount of the product price or a premium such as a surcharge with the management organization of the premium savings system, and the consumer follows the contract A system for receiving a predetermined amount of money periodically or after a specified period of time, or an arbitrary amount of money at any time, comprising a center computer, a premium money savings system operating organization, A group of distributors with computers and who have signed a premium gold depositary contract with the operator of the premium gold savings system;

A group of consumers who have terminals that can access the center computer and the distributor's computer, and have signed a premium gold deposit agreement with the organization that operates the premium gold savings system.

It is characterized by having means for remittance of goods and premiums, and means for repayment of deposits to consumers.

The seller may also have the role of an operator of the premium savings system. BRIEF DESCRIPTION OF THE FIGURES

FIG. 1 is a system operation system diagram illustrating a schematic configuration of a premium gold saving system at the time of product purchase according to the present invention, and FIG. An example is shown, a conceptual diagram of the overall configuration of the system, Fig. 3 is the same as above, and the connection system diagram of the equipment used in this system through a communication line, and Fig. 4 is the same as above, Fig. 5 is the same as above, the operation system diagram between the contractor's communication Z authentication device and the distributor's communication Z authentication device, and Fig. 6 is the same as above, the agency that controls the operation of this system, i. Operational diagram of the center computer installed at the dealership insurance company, etc., FIG. 7 is the same as above, part of a flowchart illustrating the operation of this system, FIG. 8 is the same as above, FIG. Fig. 10 is a diagram linked to the flowchart of Fig. 8, Fig. 10 is the same as above, and Fig. 11 is a part of the flowchart illustrating the operation for inquiring / confirming the latest purchase history information. Follow the flow chart of 10 It is a diagram. BEST MODE FOR CARRYING OUT THE INVENTION

Hereinafter, a specific example of the premium money saving system at the time of product purchase according to the present invention will be described.

First, an embodiment of a premium money savings system according to the present invention (hereinafter, referred to as the present system) will be described with reference to FIG. 1, and the configuration of the present system will be schematically described. Establish a “premium gold savings system management organization” to supervise its operation.

The operations of this institution are similar to those of financiers such as banks, insurance companies and credit companies.

Therefore, the “premium gold savings system manager” should be a department directly under the financing company or a subsidiary.

Alternatively, if it is a large-scale distributor, this distributor may itself take over the function of a “premium savings manager”.

In the present invention, "premium money" is defined as the individual who owns the subscription registration number (ID number, etc.) after purchasing the system and purchasing the product from any of the sellers. The term `` operation of the premium money savings system, '' which is a term that refers to the discount amount of the product price, the surcharge amount, or the premium for savings, determined based on the judgment of each seller at the time The organization manages the overall operation of this system It has a center computer for

The business consists of receiving premiums received from individual sellers in financial markets, etc., and gaining operating income each time an individual consumer makes a purchase. Is to be paid to the consumer at a later time based on the terms of the contract with the consumer.

Shopping can also be done using the Internet.

Also, a credit card issuer may be used as a means of remittance of the product price and premium money.

Each seller will enter into a contract with the “operator of the premium money savings system” to join the system and install a computer on the sales side.

The selling computer is connected to the center computer and terminals owned by individual consumers.

As this terminal, a mobile phone having an information display function, such as "i-mode" of NTT DOCOMO, which has been remarkably popular recently, is suitable.

Each time a merchant purchases a product, the merchant sends purchase information, including the amount of premium gold determined by each merchant, to the center computer. The contents of this purchase information can be confirmed by the consumer by accessing the selling convenience store or the center computer at the store or from home. Then, each time the center computer receives individual purchase information, it sends remittance information to the selling computer.

Individual consumers can enjoy the benefits provided by this system by signing a contract with the "operator of the premium savings system" for this system.

The content of this contract is, for example, after a certain period of time has passed since the conclusion of the contract, the pool of “premium gold savings system management institutions” pooled from its own accumulated premiums, so to speak, “nursing pension” Similar to the above, a certain amount is paid periodically.

Alternatively, a contract may be made so that any amount can be withdrawn at any time after a predetermined period. Next, a specific operation example of this system will be described with reference to FIGS.

First, in Fig. 2, which outlines the components of the system and the flow of information and premiums (insurance, Z-pension, etc.) between the components, 1 is a contractor who corresponds to a group of consumers participating in the system. 2 is a contract distributor window corresponding to a group of system affiliated distributors, and 3 is a contract distributor / insurer, etc. corresponding to a “premium savings system operating organization”.

Fig. 2 to Fig. 6 are schematic diagrams of the information processing equipment necessary for operation of this system and the connection status of communication lines between them.

In the figure, 100 is a contractor-side communication authentication device, 101 is its confirming means, 102 is transmitting means, 103 is receiving means, and 104 is transmitting means.

Reference numeral 200 denotes a merchant-side communication authentication device, 201 and 204 denote transmission means, 202 denotes transmission means, and 203 denotes reception means. .

Reference numerals 300 and 400 denote networks for transmitting information (communication means 301 and 401).

500 is a contract sales company // a computer (center computer) installed at an organization that controls the operation of this system, such as an insurance company. Information transmission / reception means 501, authentication processing means 502, product purchase It is equipped with performance management / processing means 503.

Next, a specific operation example of the present system will be described with reference to FIGS.

First, when a sales contract for a target product of this system is established directly or indirectly between the contractor and the contract seller, the purchase price of the product is calculated (step A1).

Next, the contractor presents the contractor's communication / authentication device 100 for authentication confirmation to prove the identity and the validity of the contract, and connects to the contractor's communication Z authentication device 200 ( At that time, the authentication information is transmitted from the authentication means 101 to the communication means 201 using the transmission means 201 (step A 3), and further, the authentication information is taken into the communication side of the seller Z authentication equipment 200. (Step A4).

Next, the acquired authentication information Commodity trading transaction information (hereinafter referred to as transaction content information) The power is transmitted from the distributor side communication / authentication device 200 using the transmission means 202 (step A5), and further transmitted to the computer 500 via the network 400 (step A6).

Subsequently, the information transmission / reception means 501 on the computer 500 side receives the transaction content information via the network 40◦ (step A7), and based on the information, the merchandise purchase record management Z processing means 503 sends the transaction validity information. Information required for gender verification is extracted and imported (Step A8).

The authentication processing means 502 referring to each of the acquired information performs transaction validity confirmation (step A9), contract validity (step A10), contractor validity (step Al1), and transaction validity. The validity of the contents (Step A1 2) is checked individually, and if there is no problem with each validity, the merchandise purchase record management / processing means 503 registers the transaction information in the database (Step A1 3). ) And further, information to be transmitted to the seller-side communication Z authentication device 200 (hereinafter referred to as transmission information) is extracted (step A14).

If there is a problem with the validity (in the case of NO), perform reception rejection processing, set NG to the personal authentication result, and create transmission information without the purchase result information (step A15) .

Next, the merchandise purchase result management processing means 503 passes the transmission information to the information transmission / reception means 501 (step A16), and further, the information transmission / reception means 501 transmits the transmission information via the network 400. (Step A 17).

Next, from the network 400, the receiving means 203 of the distributor-side communication Z-certified device 200 receives the transmission information (hereinafter referred to as personal confirmation result and purchase result information) from the network 400.

(Step A18), transmitting means 204 and transmitting (displaying) the personal authentication result and purchase result information acquired from the receiving means 203 (Step A19).

Further, regarding the acquired personal authentication result, etc., the seller side communication Z authentication device 200 makes a normal / abnormal judgment (step A20). If the result is normal, the purchase result etc. are transmitted via the communication means 201. The information is transmitted to the communication device 100 on the contractor side (step A21), and the information such as the actual purchase results held by 100 is updated (step A22). Next, the operation when the contractor performs the inquiry / confirmation of the latest purchase result information regarding a specific contract will be described with reference to FIGS. 10 and 11. FIG. First, the contractor inputs request information relating to specific contract / purchase information to be referred to to the contractor-side communication / authentication device 100 (step B1).

After the input is completed, the contractor-side communication authentication device 100 causes the authentication means 101 to generate authentication information (step B2).

Next, the contractor-side communication Z authentication device 100 transmits the authentication information obtained from the authentication means 101 and the request information input by the contractor using the transmission means 102 (step 110). Step B 3).

Further, the authentication means and the request information are transmitted from the transmission means 102 to the computer 500 via the network 300 (step B4).

Next, the information transmitting / receiving means 501 receives the authentication information and the request information from the network 300 (step B5), and the confirmation processing means 502 performs contractor authentication confirmation (step B6).

The legitimacy of the contract (Step B7) and the legitimacy of the contractor (Step B8) are checked, and if there is no problem with each legitimacy, the management processing means 503 will execute the contractor communication Z authentication device 1 The information to be transmitted to 00 is extracted (step B9).

If there is a problem with the validity (in the case of NO), rejection processing is performed, NG is set in the personal authentication result, and transmission information is created with no purchase result information (step; B10). .

Next, the management processing means 503 passes the transmission information to the information transmission / reception means 501 (step B11), and further transmits the transmission information via the information transmission / reception means 501 and the network 300 (step B11). B 1 2).

Subsequently, the receiving means 103 of the contractor side communication Z authentication device 100 receives the transmission information (personal authentication result and latest purchase result information) from the network 300 (step B 13), and the transmitting means 104 Then, the personal authentication result acquired from the receiving means 103 and the latest purchase result information are transmitted (displayed) (step B14), and a series of operations are completed. Industrial applicability

As is clear from the above description, the premium money saving system at the time of product purchase according to the present invention is based on the conventional method in which benefits are accumulated each time a product is purchased. Compared to the formula, it has various superior effects as listed below.

(a) Eliminates the hassle of storing multiple types of membership cards issued by each seller individually.

(b) Each time you shop, you can save the trouble of selecting the card you want.

(c) What is offered as a privilege is “savings”, which used to be “commodity” but has much more flexibility in use.

(d) In recent years, in particular, younger people can be expected to have a more promising pension scheme that can replace government-run pension schemes that are concerned about their permanence.

(e) If this system is used as a pension system, it will not be subject to the strict restriction of paying a fixed amount of regular payments regardless of the degree of affairs as in the past.

(f) And when you can afford, you can save a lot.

(g) By the time pension payments begin, even if the monetary value continues to decline significantly, premium gold will increase in proportion to price increases, and will not be affected by inflation.

(h) It plays a role in revitalizing the stagnation of consumers who tend to stagnate even when the economic situation is stagnant.

Claims

The scope of the claims

1. The seller of various products deposits premium money, such as the discount price of the product price or the surcharge, at the time of purchase of the product by the consumer, and deposits it with the management organization of the premium money saving system. Operation of a premium money savings system that is configured to receive a predetermined amount of money periodically or at any time after a certain period of time determined based on the contract, and equipped with a center computer A group of distributors who have signed a premium gold deposit agreement between the institution and a computer with a premium money savings system operator,

A group of consumers who have a terminal that can access the center computer and the computer of the dealer and have signed a premium gold deposit agreement with the operator of the premium savings system,

A premium money saving system at the time of product purchase, comprising: means for remittance of a product price and premium money; and means for repayment of a deposit received to a consumer.

2. The premium gold savings at the time of product purchase according to claim 1, characterized in that the seller also serves as an operator of the premium gold savings system.