JP2003150849A - Advertising method at credit card payment time - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an advertising method at the credit card payment time for displaying an advertisement of campaign data or the like corresponding to the credit card at the payment time by the credit card. SOLUTION: A POS terminal 1 transmits inquiry data for inquiring whether the credit card is valid or not to a card processing center CA through a public network NE. When receiving the inquiry data, the card processing center CA examines whether the credit card is valid or not, and, when the card is valid, reads out advertisement data of a card company publishing the card from a database, and transmits the advertisement data together with confirmation data for showing validity of the credit card to the POS terminal 1 through the public network NE. When receiving the data, the POS terminal 1 prints and outputs a display showing the bill by use of the card and the advertisement by the advertisement data on a receipt.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an advertisement method for credit card payment, which prints an advertisement on a receipt or the like at the time of payment by credit card.

[0002]

2. Description of the Related Art In restaurants, dealers, etc., accounting processing terminals such as POS terminals and data processing terminals are used for conducting accounting transactions. For example, when the POS terminal is used in a restaurant, when the customer makes an accounting transaction for settlement, the employee operates the POS terminal to show the total amount to the customer. In this case, the customer may use a credit card for accounting transactions.

At this time, when the employee operates the POS terminal, as shown in FIG. 20, card authentication confirmation data 401 for inquiring whether or not the credit card is valid is transmitted to the card processing center. The card processing center uses the card authentication confirmation data 40 from the POS terminal.
When 1 is received, it is determined whether a credit card is available. Then, the card processing center transmits the card authentication confirmation result data 402 indicating the determination result to the POS terminal.

When the POS terminal receives the card authentication confirmation result data 402 and the credit card is valid,
The receipt 500 shown in FIG. 21 is printed. At this time, P
The OS terminal prints the campaign data 502, which are messages for sales promotion, on the receipt 500 together with the accounting data 501 indicating the total amount of money. The campaign data 502 has been input to the POS terminal in advance.

When the POS terminal outputs the receipt 500, the employee gives the receipt 500 to the customer. As a result,
Since the campaign data 502 will be seen by the customer together with the accounting data 501 printed on the receipt 500,
Sales of restaurants to customers are promoted.

[0006] As described above, the conventional advertisement method at the time of credit card payment is performed by a restaurant where a POS terminal is installed,
Campaign data from retailers was printed on receipts during accounting transactions.

[0007]

However, the conventional advertising method at the time of credit card payment has the following problems. In other words, there are multiple card companies that issue credit cards used by customers. For this reason, the conventional method of printing the campaign data of restaurants, shops, etc. in which POS terminals are installed has a problem that the sales promotion effect corresponding to each card company is weak.

An object of the present invention is to solve the above-mentioned problems and to provide an advertising method at the time of credit card payment, which displays an advertisement such as campaign data corresponding to the credit card at the time of payment by credit card. .

[0009]

In order to solve the above-mentioned problems, the invention of claim 1 provides inquiry data for inquiring whether or not a used credit card is valid, by an accounting processing terminal via a communication network. Then, the processing center, upon receiving the inquiry data, checks whether the credit card is valid, and if the credit card is valid, the advertisement of the card company that issued this card The data is transmitted to the accounting processing terminal via the communication network together with the confirmation data indicating the validity of the credit card, and when the accounting processing terminal receives the confirmation data and the advertisement data, accounting by card is used. And a advertisement based on the advertisement data are printed on a print medium, and the print medium is issued. Is a settlement at the time of the advertising method.

According to the invention of claim 2, in the advertising method at the time of credit card payment according to claim 1, the card company registers advertising data in the processing center via the communication network. And

According to a third aspect of the present invention, in the advertisement method at the time of credit card settlement according to the first or second aspect, the accounting processing terminal passes the accounting amount by a credit card to the processing center via the communication network. When billing
When billing the advertisement fee of the advertisement printed on the print medium, and the processing center receives the billing amount for using the credit card from the billing terminal, the billing amount,
It is characterized in that the advertisement fee and the advertisement agent fee for the advertisement are charged to the card company via the communication network.

[0012] According to a fourth aspect of the present invention, in the advertisement method at the time of credit card payment according to any one of the first to third aspects, the accounting processing terminal is a POS terminal and the printing medium is a receipt. It is characterized by.

[0013]

Next, a first embodiment of the present invention will be described.
The second embodiment will be described in detail with reference to the drawings. In the first and second embodiments, the case where a POS terminal is installed as an accounting processing terminal and a restaurant is installed in a restaurant as a restaurant or a store is taken as an example.

[First Embodiment] In this embodiment, as shown in FIG. 1, a PO installed in a restaurant RE.
The S terminal 1 is connected to the public line network NE as a communication network. A computer 2 of a card processing center CA as a processing center is connected to the public line network NE. Further, a computer 3 of the card company A as A credit, a computer 4 of the card company B as B credit, and a computer 5 of the card company C as C credit are connected to the public line network NE.

In the system of FIG. 1, the card companies A to C perform a registration process for registering advertisement data, that is, campaign data, in advance at the card processing center CA. For this purpose, for example, the card company B sends the campaign request data 11 for a new campaign to the card processing center CA via the public line network NE by the computer 4, as shown in FIG. An example of the campaign request data 11 transmitted at this time is shown in FIG. According to the campaign request data 11 of FIG. 3, the “reference start date” and the “reference end date” of the campaign are transmitted.

Computer 2 of the card processing center CA
When the campaign request data 11 is received, generates the campaign response data 12. An example of the campaign response data 12 generated at this time is shown in FIG. Figure 4
The campaign response data 12 of is formed by the data of each item of “priority”, “campaign data”, “start date” of this campaign, and “end date” of this campaign which have already been registered. ing. Among them, the priority order indicates the printing order of the campaign described later, and the priority order “1” is printed. The computer 2 of the card processing center CA sends the generated campaign response data 12 to the card company B via the public line network NE.
Send to.

Upon receipt of the campaign response data 12, the computer 4 of the card company B displays the data of the already registered campaign item on a display device (not shown) based on the content of the campaign response data 12. . After that, the computer 4 performs a campaign input process 13 for inputting a new campaign.
By this input processing, the display device displays the input screen shown in FIG. In this screen, "Priority",
Start Date, End Date, and Campaign
Each item of can be input.

When each item relating to the new campaign is input as shown in FIG. 5, the computer 4 of the card company B generates campaign registration data 14 based on the input data of each item. FIG. 6 shows an example of the campaign registration data 14 generated at this time. The campaign registration data 14 of FIG. 6 is formed by the data of each item of “priority order”, “campaign data” of this campaign, “start date” of this campaign, and “end date” of this campaign. It This is followed by data for the changed "Priority", "Campaign Data", "Start Date" of the last campaign, and "End Date" of the last campaign. . The computer 4 transmits the generated campaign registration data 14 to the card processing center CA via the public line network NE.

Computer 2 of the card processing center CA
Receives the campaign registration data 14, and records based on this data. With this recording, the updated campaign registration data 15 is recorded in the processing center file of the computer 2. The processing center file is stored in the database of the computer 2. The processing center file is updated as shown in FIG. 7 by recording the campaign registration data 15. At this time, the computer 2 adds the data of the items of “advertising agency fee” and “terminal advertising fee” according to the campaign of the card company B. FIG. 7 also shows campaign registration data of the card companies A and C that have already been registered.

Computer 2 of the card processing center CA
Records the campaign registration data 15 of the card company B, and also generates the processing result data 16. FIG. 8 shows an example of the processing result data 16 generated at this time. The processing result data 16 includes the “priority order” registered in the file, the “processing result” indicating the recording result, the “advertising fee”, and the “terminal advertising charge”, and the next “priority order” and the recording processing. "Processing result", "Advertising fee",
And "terminal advertising fee". The computer 2 of the card processing center CA transmits the generated processing result data 16 to the card company B via the public line network NE.

Upon receipt of the processing result data 16, the computer 4 of the card company B records based on this data. By this recording, the campaign registration data 17 is recorded in the card company file of the computer 4. The card company file is stored in the database (not shown) of the computer 4. The card company file is recorded by the campaign registration data 17,
It is updated as shown in FIG. The card company file contains "Campaign Data", "Validity Period", "Priority", "Advertising Fee", and
And "terminal advertisement fee", "campaign data", "effective period", "priority order", "advertising agent fee", and "terminal advertisement fee" regarding the previous campaign are recorded.

By this registration process, the card company B
A new campaign of is registered. Card companies A and B
The registration process of is also performed in the same manner.

Next, an accounting transaction for a customer who uses the restaurant RE to make a payment with the credit card of the card company A will be described.

When the employee of the restaurant RE receives the credit card of the card company A from the customer, he / she operates the POS terminal 1 to carry out the accounting transaction. This enables POS
The terminal 1 performs a credit card confirmation process. In this confirmation processing, as shown in FIG. 10, the POS terminal 1 transmits the card authentication confirmation data 21, which is inquiry data for inquiring about the credit card, to the card processing center CA via the public line network NE. .

Computer 2 of the card processing center CA
Receives the card authentication confirmation data 21, checks whether the credit card is valid. When the credit card is valid, the computer 2 makes a determination based on the credit card company, valid period, and priority of the campaign registration data file shown in FIG. 7.
The card authentication confirmation result data 22 is generated as the confirmation data. Card authentication confirmation result data 2 generated at this time
An example of No. 2 is shown in FIG. The card authentication confirmation result data 22 of FIG. 11 is a card confirmation result 22A indicating whether the credit card is valid, the campaign data 22B regarding the campaign of the card company A when the credit card is valid, and the terminal advertisement fee of this campaign. 22C. If the credit card is invalid, the computer 2 does not generate the campaign data 22B and the campaign terminal advertisement charge 22C. The computer 2 sends the generated card authentication confirmation result data 22 to the restaurant R via the public line network NE.
Send to E.

Upon receipt of the card authentication confirmation result data 22, the POS terminal 1 of the restaurant RE checks whether or not the credit card is valid based on the card confirmation result 22A of the card authentication confirmation result data 22. In this way, the credit card confirmation process is performed.

If the confirmation process proves that the credit card is valid, a campaign process for printing the campaign is performed. That is, the POS terminal 1 prints the receipt 100 shown in FIG. 12 when the credit card is valid. At this time, the POS terminal 1 sets the restaurant RE together with the accounting data 101 representing the total amount of money.
Campaign data 102, which are messages for sales promotion of the above, are printed on the receipt 100. The campaign data 102 is stored in the POS terminal 1 in advance.

Further, the POS terminal 1 extracts the campaign data 22B from the card authentication confirmation result data 22 and prints it on the receipt 100 as the campaign data 103.

In this way, the campaign processing allows the campaign of the card company A to be printed on the receipt 100 as the campaign data 103.

By the above campaign processing, the campaigns of the card companies A to C are conducted. After that, the POS terminal 1 of the restaurant RE performs the billing process. In other words, on the restaurant RE side, campaign 1
Since it was printed on 00, the advertising fee was paid to the card processing center CA.
Charge to. The processing for this is billing processing. Specifically, as shown in FIG. 13, terminal advertisement fee total data 31 in which campaigns are totaled is stored in the POS file of the POS terminal 1.

For example, when only the card company A has performed the campaign process, the terminal advertisement fee total data 3
14 is as shown in FIG. 14. The credit card “card company”, the “date and time” when the credit card is used, the “sales amount” by the credit card, and the “terminal” by printing the campaign data 103 on the receipt 100 The data of each item of “advertising fee” is stored. In addition, data indicating the total of the “terminal advertising charges” and data indicating the total sum are stored.

The POS terminal 1 generates card payment data 32 based on the card authentication confirmation result data 22.
The card settlement data 32 is also billing data for the card processing center CA. An example of the card payment data 32 is shown in FIG. The card payment data 32 of FIG. 15 is generated by data such as the amount of credit card payment by credit card and the terminal advertisement fee data of the card authentication confirmation result data 22. The POS terminal 1 of the restaurant RE is
The generated card payment data 32 is transmitted to the card processing center CA via the public line network NE.

Computer 2 of the card processing center CA
When receiving the card payment data 32, stores the advertising payment data total 33 based on the card payment data 32 and the advertising payment in the campaign registration data file shown in FIG. 7 in the processing center file. FIG. 16 shows an example of the advertising agency fee total data 33. FIG.
According to the advertising agency fee total data 33, the data of each item of “credit card company”, “date and time” using the credit card, “store” handling the credit card, and “advertising fee” Remembered

Computer 2 of the card processing center CA
Generates card payment data 34 based on the card payment data 32 and the campaign registration data file shown in FIG. The card payment data 34 is also billing data for the card company A. Card payment data 34
An example is shown in FIG. Card payment data 34 in FIG.
Is formed of data such as a credit card payment amount by credit card, data of a terminal advertisement fee charged from the restaurant RE, and data of an advertisement agency fee of the card processing center CA. The computer 2 transmits the generated card payment data 34 to the card company A via the public line network NE.

Upon receipt of the card payment data 34, the computer 3 of the card company A stores the campaign payment data 35 totaled based on the card payment data in the card company file. Campaign payment data 3
An example of No. 5 is shown in FIG. According to the campaign payment data 35 of FIG. 18, the “store” that handled the credit card, the “date and time” when the credit card was used,
"Sales price" by credit card, restaurant RE
"Terminal Advertising Fee" and Card Processing Center CA
The data of each item of "advertising agency fee" is stored.

By this billing process, the card company A
The campaign payment data 35 is stored in the card company files C to C. And the card companies A to C
Based on the campaign payment data 35, the sales amount and the terminal advertisement fee are paid to the restaurant RE, and the advertising agency fee is paid to the card processing center CA.

Thus, according to the first embodiment,
At the time of payment by credit card, an advertisement such as campaign data corresponding to the credit card can be displayed on the receipt 100. Further, since the card payment data 32 and 34 finally stores the campaign payment data 35 in the card company files of the card companies A to C, payment of the terminal advertisement fee and the advertisement agent fee related to the printed campaign data is made. Enable you to do it properly.

[Second Embodiment] In this embodiment, P
CAT (Credit Authorization Termina) together with OS terminal
l: Credit terminal) is used. In this embodiment, as shown in FIG. 19, the POS terminal 1 installed in the restaurant RE is
It is connected to the public line network NE via CAT1A. However, in FIG. 19, the same parts as those in FIG.

CAT1A is a terminal dedicated to a credit card. That is, when the employee of the restaurant RE sets the credit card in the CAT 1A, the CAT 1A automatically checks the credit card with the card processing center CA, and saves the time and effort of the operation of the POS terminal 1. CAT1A enables accounting transactions by the POS terminal 1 if the credit card is valid. Thereby, the POS terminal 1 can print the campaign data 103 on the receipt 100 by performing the same process as in the first embodiment.

According to this embodiment, even when CAT1A is used, the same effect as that of the first embodiment can be achieved.

The first and second embodiments of the present invention have been described above in detail. However, the specific configuration is not limited to these embodiments, and is within the scope of the present invention. Even if the design is changed, it is included in the present invention.

[0042]

As described above, according to the present invention, it is possible to print the advertisement of the credit card company that issued the credit card on the print medium at the time of payment by the credit card. With this, it is possible to inform the customer of sales promotion of the card company used by the customer,
In addition, the print medium can be used as a means for not only confirming the payment amount but also performing message communication from the card company.

[Brief description of drawings]

FIG. 1 is a configuration diagram showing a system for carrying out a first embodiment of the present invention.

FIG. 2 is a diagram showing a sequence of registration communication.

FIG. 3 is a diagram showing an example of campaign request data.

FIG. 4 is a diagram showing an example of campaign response data.

FIG. 5 is a diagram showing an example of a campaign data input screen.

FIG. 6 is a diagram showing an example of campaign registration data.

FIG. 7 is a diagram showing an example of a processing center file in which campaign registration data is registered.

FIG. 8 is a diagram showing an example of processing result data.

FIG. 9 is a diagram showing an example of a card company file in which campaign registration data is registered.

FIG. 10 is a diagram showing a sequence of card authentication communication.

FIG. 11 is a diagram showing an example of card authentication confirmation result data.

FIG. 12 is a diagram showing a receipt printed according to the first embodiment.

FIG. 13 is a diagram showing a sequence of card payment communication.

FIG. 14 is a diagram showing an example of terminal advertisement fee total data.

FIG. 15 is a diagram showing an example of card payment data.

FIG. 16 is a diagram showing an example of advertisement agency fee total data.

FIG. 17 is a diagram showing an example of card payment data.

FIG. 18 is a diagram showing an example of campaign payment data.

FIG. 19 is a configuration diagram showing a system for carrying out a second embodiment of the present invention.

FIG. 20 is a diagram showing a communication sequence according to a conventional advertising method at the time of credit card payment.

FIG. 21 is a diagram showing a receipt printed by the sequence of FIG. 20.

[Explanation of symbols]

1 POS terminal 1A CAT 2-5 computers 11 Campaign request data 12 Campaign response data 13 Campaign input processing 14 Campaign registration data 15,17 Campaign registration data 16 Processing result data 21 Card authentication confirmation data 22 Card authentication confirmation result data 31 Terminal Advertising Fee Aggregation Data 32, 34 card payment data 33 Advertising agency fee aggregate data 35 Campaign payment data 100 receipts 101 Accounting data 102, 103 Campaign data A to C card company CA card processing center NE public network RE Restaurant

Claims (4)

[Claims] 1. An accounting processing terminal transmits inquiry data for inquiring whether a used credit card is valid to a processing center via a communication network, and the processing center receives the inquiry data. , Checks whether the credit card is valid, and if the credit card is valid, the advertisement data of the card company that issued this card is passed through the communication network together with confirmation data indicating the validity of the credit card. Then, when the accounting processing terminal receives the confirmation data and the advertisement data, a display indicating accounting by using a card,
An advertisement method at the time of credit card payment, comprising printing an advertisement based on the advertisement data on a print medium and issuing the print medium. 2. The advertisement method at the time of credit card payment according to claim 1, wherein the card company registers advertisement data in the processing center via the communication network. 3. The accounting processing terminal, when billing the accounting amount by a credit card to the processing center via the communication network, bills the advertisement fee of the advertisement printed on the print medium, When the processing center receives the billing amount for using the credit card from the accounting processing terminal, the processing center bills the accounting amount, the advertisement fee, and the advertisement agency fee for the advertisement to the card company via the communication network. The method for advertising at the time of credit card payment according to claim 1 or 2, characterized in that. 4. The accounting processing terminal is a POS terminal,
The advertising method at the time of credit card payment according to any one of claims 1 to 3, wherein the print medium is a receipt.