JP3682438B2 - Automatic account withdrawal system using points - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention relates to an automatic account debit system using points given to a customer. Specifically, a conversion amount obtained by converting a customer's points into a monetary amount by a computer is automatically converted into a deduction for each customer under a predetermined condition. It relates to an automatic account debit system for points deducted from points.
[0002]
[Prior art]
Traditionally, banks have scored and granted monthly points to customers by calculating the points of customer transactions (deposits and loans, automatic receipt of salaries and pensions, debiting accounts for utilities, etc.). In exchange for this point, they offered a point service that offered benefits (preferential interest rates and fees, gift cards and cash prizes). In exchange for the benefits provided by this service, the number of points required for the exchange determined for each benefit must be accumulated, and the customer has to apply to the bank. Therefore, if the customer manages the accumulated points and does not carry out the exchange procedure, the accumulated points will disappear without redeeming the benefits, and even if the exchange is made, the points after the exchange will have a service period. It was supposed to disappear when it expired.
[0003]
On the other hand, customers who receive financial services are automatically charged on a regular basis, such as payment of various fees collected from banks (account management fees, protection custody fees, etc.) and public charges such as electricity and telephone charges. An account debit that can be paid was set for the account. Then, on the due date of the account withdrawal, the payment amount is withdrawn by the deposit of the account or borrowing by overdraft, etc., and when the balance is insufficient, the withdrawal is not performed, but it is to be paid again by another means at a later date.
[0004]
[Problems to be solved by the invention]
However, the amount of money that can be used for debiting is limited to the customer's deposit balance. Therefore, for example, there are cases where payment can be made if the points accumulated by the point service are redeemed for cash benefits and deposited in an account. Even in this case, there was a problem that the points could not be applied to the payment amount unless the points were redeemed.
[0005]
In addition, when receiving benefits such as fee preferential treatment or exemption from a bank for a certain period of time, it is necessary to acquire the points necessary to receive preferential treatment for the next fee before the preferential treatment period ends. If points could not be accumulated or exchange procedures were not performed, there was a problem that preferential treatment could not be received in the next period.
[0006]
In addition, if the number of points required for redeeming the desired benefit cannot be accumulated within the point service development period, the customer cannot enjoy the desired benefit, and the points earned are redeemed for the desired benefit. Even if it was possible, there was a problem that the fractional points generated after the exchange could not be used effectively.
[0007]
In view of the above problems, an object of the present invention is to provide an automatic account debiting system using points that can complete payment on an account deduction date, such as a fee, using a customer's points and deposit balance without complicated procedures. And
[0008]
[Means for Solving the Problems]
  In order to solve the above-mentioned problem, in the automatic account debiting system with points according to claim 1, the system is provided with a computer, and is an automatic debiting system for debits with points given to customers. Account withdrawal storage means for storing account withdrawal data including data on the date of withdrawal and the amount of withdrawal, deposit balance storage means for storing account deposit balance data, which is data relating to the balance of deposits in the account, and the account Point data storage means for storing point amount conversion data, which is data relating to a conversion amount obtained by converting points held by a customer of money into money, andPoint withdrawal prohibition request storage means for storing as a prohibition flag a request from a customer prohibiting deduction from the converted amount stored in the point data storage means to be applied to the withdrawal amount, and storing in the account withdrawal storage means When the amount of the deducted money exceeds the sum of the balance of the deposit stored in the point data storage means and the converted amount stored in the point data storage means, the deduction is impossible, and the amount of the withdrawal money, Compared with the converted amount, if the amount of the deduction does not exceed the converted amount, a residual obtained by subtracting the amount of the deducted amount from the converted amount is stored in the point data storage means as a new converted amount. And the amount of the withdrawal stored in the account withdrawal storage means is set to zero. If the amount of the deduction exceeds the converted amount, the difference obtained by subtracting the converted amount from the amount of the deducted amount is subtracted from the balance of the deposit stored in the deposit balance storage means, and the difference is added to the new deposit. The balance management means includes a payment management means for setting the balance amount stored in the account withdrawal storage means and the converted amount stored in the point data storage means to zero. If the prohibition flag is stored in the point withdrawal prohibition request storage means, the customer is processed with the converted amount set to zero.This is the gist.
[0009]
  In the automatic account debit payment system with points having the configuration according to claim 1, the debit amount, the converted point amount, the account deposit balance, or the total amount thereof is compared by the comparison means by the payment management means. Based on the result of the comparison, the most appropriate funds are allocated to the withdrawal, so there is an effect that payment can be completed on the account withdrawal date, such as fees, using the customer's points and deposit balance without complicated procedures .
Further, the payment management means compares the debit amount with the converted amount by the comparison means. And when the debit amount does not exceed the converted amount, the money converted from the points is used for the deducted amount, so that the points can be used particularly effectively.
If the total of the converted amount and the account deposit balance is equal to or greater than the withdrawal amount, the entire amount of money converted from the points is applied to a part of the withdrawal amount, and the account deposit is applied to the remaining withdrawal amount. Therefore, there is an effect that points can be used more effectively.
In addition, since the payment management means does not consume points when there is a request for prohibiting debiting money converted from points to account debits, the customer arbitrarily accumulates points arbitrarily. There is an effect that you can
[0010]
  In the automatic account debiting system with points according to claim 2,An account debit automatic storage system that includes a computer and stores points debit data including date and debit amount data for each account of the customer, and an account debit storage means for storing debit data for each customer account , Deposit balance storage means for storing account deposit balance data that is data relating to the balance of deposits in the account, and point amount conversion data that is data relating to a conversion amount obtained by converting points held by the customer of the account into money Point data storage means, and point withdrawal prohibition request storage means for storing a request from a customer prohibiting deduction from the converted amount stored in the point data storage means to be applied to the withdrawal as a prohibition flag; Withdrawal stored in the account withdrawal storage means If the amount of the deposit exceeds the sum of the deposit balance stored in the deposit balance storage means and the converted amount stored in the point data storage means, it is impossible to withdraw, and the amount of the withdrawal amount, Compared with the balance, if the amount of the withdrawal does not exceed the balance of the deposit, the residual obtained by subtracting the withdrawal amount from the balance of the deposit is stored in the deposit balance storage means as a new deposit amount In addition, the amount of the withdrawal stored in the account withdrawal storage means is set to zero, and if the amount of the withdrawal exceeds the balance of the deposit, a residual obtained by subtracting the balance of the deposit from the amount of the withdrawal Subtract from the converted amount stored in the point data storage means, store the difference as a new converted amount, and debit the account And a payment management means for reducing the amount of the withdrawal amount stored in the deposit storage means and the balance of the deposit to zero, and the payment management means stores a prohibition flag in the point withdrawal prohibition request storage means In this case, the customer is processed with the converted amount as zero.This is the gist.
[0011]
  In the automatic account debiting system with points having the configuration according to claim 2, the payment management meansThus, the debit amount, the converted point amount, the account deposit balance, or the total amount thereof is compared by the comparison means. Based on the result of the comparison, the most appropriate funds are allocated to the withdrawal, so there is an effect that payment can be completed on the account withdrawal date, such as fees, using the customer's points and deposit balance without complicated procedures .
If the total of the converted amount and the account deposit balance is equal to or greater than the withdrawal amount, the entire account deposit balance is applied to a part of the withdrawal amount, and the money converted from the points is applied to the remainder. Therefore, there is an effect that it is possible to effectively prevent the inability to withdraw without unnecessarily consuming points.
In addition, since the payment management means does not consume points when there is a request for prohibiting debiting money converted from points to account debits, the customer arbitrarily accumulates points arbitrarily. There is an effect that you can
[0018]
DETAILED DESCRIPTION OF THE INVENTION
DESCRIPTION OF EMBODIMENTS Hereinafter, embodiments embodying the present invention will be described with reference to FIGS. Here, in this embodiment, the bank calculates points for each month and gives them to the customer by calculating the points of the customer's transaction (deposits / loan balance, automatic receipt of salary / pension, etc., bank account deductions, etc.) doing. Based on this point, it is assumed that a point service is provided to provide a privilege (preference for interest rate / fee, gift card / cash, etc.) that the bank gives to the customer.
[0019]
First Embodiment Hereinafter, a description will be given with reference to FIGS. FIG. 1 is a block diagram showing a common system configuration of the first and second embodiments. As shown in FIG. 1, the operation device of the automatic account debit method using points according to this embodiment includes a server 10 which is a payment management device using points as a computer of the present invention for controlling the operation of the entire device. ing. In this embodiment, “appropriate” means to secure payment resources for the amount to be deducted and apply it to the deduction, and perform well-known processing including data input / output, record rewriting, communication, etc. It shall be said. Specifically, for example, the required amount is transferred from the customer's deposit account to be debited to the designated account, or the points for the required amount are deducted from the customer's points and the specified account of the bank is transferred to the designated account. There are a series of procedures to settle payment by transferring or offsetting. The server 10 is installed, for example, in an electronic computer room in a bank head office, and includes a CPU (Central Processing Unit) 11, a ROM (Read Only Memory) 12 as a storage means, and various calculation contents and applications in this device. A RAM (Random Access Memory) 13 capable of writing and reading software and the like is provided.
[0020]
Further, the server 10 includes a storage unit that is a storage unit including, for example, an HDD (hard disk drive). This storage unit is an account deduction storage means for storing account deduction data for which a predetermined amount is scheduled to be deducted on a given day, such as account management fees, protection fees, public charges such as electricity and telephone charges for each customer. The account debit data 14 is provided. Here, 14a in FIG. 2 conceptually shows an example of the stored contents of the account debit data 14. Here, “date”, “type”, and “amount” are stored as items. Corresponding to this item, each record stores, for example, “○ month ○ day, account management fee, 2100 yen”, “Δ month Δ day, protection deposit fee, 1260 yen”.
[0021]
In addition, it includes point amount conversion data 15 as point data storage means for storing point amount conversion amount data, which is data obtained by converting points held by the customer into amounts. Here, 15a in FIG. 2 conceptually shows an example of the stored contents of the amount conversion data 15 of points. Here, “date”, “point balance”, and “converted amount” are stored as items. Corresponding to this item, each record is stored as “○ month ○ day, 300 points, 3000 yen”, “Δ month Δ day, 90 points, 900 yen”. In the present embodiment, 1 point is converted to an amount of 10 yen.
[0022]
The storage unit stores an automatic account debiting program according to the point of the present invention that causes the server 10 to function as a payment management means, and is appropriately read into the RAM 13 and executed. This includes a program that causes the CPU 11 to function as a comparison means.
[0023]
Further, the storage unit is provided with a point withdrawal prohibition request program (not shown), and a request for prohibiting the use of the converted point amount from the customer via the ATM server 18 by the touch panel 20 and the card reader 21 of the ATM 19 may be made. it can. When this request is made, it is prohibited to automatically deduct points from the converted amount, so that the converted amount is regarded as 0 and processing is prohibited. Specifically, the server 10 serving as the payment management means stores a request for prohibiting the withdrawal from the converted amount from the converted amount as a flag in the point withdrawal prohibition request storage means. Is to be processed assuming that there is no converted amount. Further, an OS (Operating System) not shown is also stored in the storage unit of the server 10. Other known programs for operating the system are included.
[0024]
The CPU 11 is connected via a communication line capable of mutual communication with a host computer 16 that is a well-known host computer that performs processing relating to general bank transactions such as deposit and transfer of deposits. The host computer 16 includes storage means, and stores information related to the customer's account, information related to the personal identification number, and the like as an account deposit balance 17. Reference numeral 17a in FIG. 2 conceptually shows an example of the stored contents of the account deposit balance, in which “date”, “balance”, and “payment amount paid” are stored as items. In each record, “Δ month Δ day, 2000 yen, 360 yen” is stored corresponding to this item.
[0025]
A plurality of ATM servers 18 for centrally managing a plurality of ATMs are connected to the host computer 16 via communication lines that can communicate with each other. The ATM server 18 has communication lines that can communicate with ATMs 19 installed at various locations. Connected through. The ATM 19 displays a variety of presentation information and a touch panel 20 for a customer to perform touch input operations, and a card reader 21 for reading a record of a cash card which is an information recording medium issued to the customer's account. I have.
[0026]
Next, a description will be given of a control processing routine for automatic account withdrawal with points performed by the CPU 11 of the server 10 using the account withdrawal automatic allocation system with points having the above-described configuration, with reference to FIGS.
[0027]
FIG. 4 shows a flowchart of a control processing routine for automatic account withdrawal appropriation. First, when processing is started (START), the CPU 11 extracts, in a time series, records in which withdrawals occur within a predetermined period from the “date” of data stored in the account withdrawal data 14 (see FIG. 2). The amount is read into the RAM 13. It is determined whether or not there is a withdrawal that occurs within a predetermined period (step 1 (hereinafter abbreviated as S1)). If there is no withdrawal (S1; NO), this is continued until a withdrawal occurs (S1; YES). Repeat the procedure. If there is a withdrawal (S1; YES), it is determined whether there is a prohibition flag (S2).
[0028]
This prohibition flag is a point withdrawal prohibition request storage means for storing a request from a customer prohibiting the withdrawal of the withdrawal amount from the converted amount obtained by converting the possessed points into the amount, and a predetermined point withdrawal prohibition request file in the storage unit of the server 10. (Not shown) is stored for each customer. And CPU11 of the server 10 memorize | stores the request | requirement from the customer who prohibits withdrawing money from the money in which the point was converted into the point withdrawal prohibition request file as a prohibition flag. If this prohibition flag is stored (S2; YES), this customer is processed with a converted amount of 0 (zero) even if the customer has points. That is, without comparing the debit amount with the converted amount, the process proceeds from the flowchart shown in FIG. 4 to the flowchart shown in FIG. 5 via the connector A, and is deducted from the account deposit balance 17 of the host computer 16 (see FIG. 1). The amounts are compared (S11). Here, FIG. 5 is a flowchart of a subroutine common to the first and second embodiments.
[0029]
If the deposit balance is greater than the amount to be withdrawn (S11; YES), the deposit balance from the account is applied to the withdrawal amount (S12). If the deposit balance is less than the amount to be withdrawn (S11; NO), the account deposit balance cannot be applied to the withdrawal amount, so even if there is a redeemable amount due to points, the withdrawal is impossible without being applied from here ( S13). If the withdrawal is not possible (S13), for example, it may be configured to retransfer at a later date or to make a reimbursement by automatic lending, but this will not be described in detail here.
[0030]
When there is no prohibition flag (FIG. 4, S2; NO), the debit amount stored in the account debit data 14 and the converted amount stored in the point amount conversion data 15 are compared by the CPU 11 which is a comparison means ( S3). If the debit amount does not exceed the converted amount (S3; YES), the converted amount, which is money converted from the points, is applied to the deducted amount (S4).
[0031]
On the other hand, the CPU 11 compares the withdrawal amount with the converted amount (S3), and if the withdrawal amount exceeds the converted amount (S3; NO), the CPU 11 calculates the sum of the converted amount and the account deposit balance, and the withdrawal amount. The CPU 11 compares them (S5). If the total of the converted amount and the account deposit balance is equal to or greater than the amount to be withdrawn (S5; YES), first, the converted amount converted from the points is applied to the withdrawal amount (S6). Then, the remaining shortage is allocated from the deposit account (S7).
[0032]
The total of the converted amount and the account deposit balance and the debit amount are compared by the CPU 11 (S5). If the total of the converted amount and the account deposit balance is less than the deduction amount (S5; NO), With the account deposit balance, the withdrawal cannot be applied, so that the withdrawal is impossible (S8). If the withdrawal is not possible (S8), for example, retransfer at a later date or reimbursement by automatic lending may be used, but this is not described in detail here. When the allocation is completed (S4, S7, S8), the next waiting is waited (RETURN, S1).
[0033]
Next, a specific example will be described with reference to FIG. Here, “account management fee” is generated “2100 yen” on “○ month ○ day” (S1; YES). Here, it is assumed that there is no request for prohibition of withdrawal from the customer and there is no prohibition flag (S2; NO). The amount conversion data for points is “300 points” generated on “○ month ○ day”, the amount conversion for this point is 10 yen per 1 point (point), and the conversion amount is “3000 yen”. Here, when the debit amount “2100 yen” is compared with the converted amount “3000 yen” (S3), the converted amount is larger (S3; YES), and therefore the deducted amount “2100 yen” is converted into the converted amount “3000 yen. Is applied (S4).
[0034]
Next, when a “protection custody fee” of “1260 yen” occurs on “Δ month Δ day”, the point at this time is “90 points” and the converted amount is “900 yen”. Here, when the withdrawal amount “1260 yen” is compared with the converted amount “900 yen” (S3), the withdrawal amount is larger (S3; NO). Therefore, when the total amount “2900 yen” of the converted amount “900 yen” and the account deposit balance “2000 yen” is compared with the withdrawal amount “1260 yen” (S5), the total amount “2900 yen” (S5; YES). Therefore, the withdrawal cannot be made (S8). Of the withdrawal amount “1260 yen”, first, the entire amount is applied from the converted amount “900 yen” (S6). Then, the remaining “360 yen” is allocated from the account deposit balance of the deposit account (S7), and the process ends.
[0035]
The first embodiment has the following effects. The server 10 as the payment management means compares the debit amount, the converted point value, the account deposit balance, or the total amount thereof by the CPU 11 as the comparison means. Since the deduction is applied based on the result of the comparison, there is an effect that payment can be completed on the account deduction date such as a fee using the points and the deposit balance held by the customer without complicated procedures.
[0036]
In particular, the CPU 11 compares the deduction amount with the converted amount, and when the deduction amount does not exceed the converted amount, the deduction amount is applied from the converted amount, so that the point can be used effectively. is there. In addition, if the sum of the converted amount and the account deposit balance is equal to or greater than the debit amount, the deducted amount is applied from the converted amount, and the remaining deduction amount is applied from the account deposit balance. Therefore, there is an effect that points can be used more effectively. On the other hand, for the customer who wants to accumulate points, points are not consumed when the prohibition flag is stored in the server 10, so that the points can be effectively accumulated.
[0037]
(2nd Embodiment) Next, 2nd Embodiment is described with reference to FIG. In the second embodiment, the system configuration shown in FIG. 1 is the same and the control method is different. Therefore, the description of the system configuration is omitted, and the control method will be described with reference to FIGS. . Since FIG. 5 is the same routine as the first embodiment, it is used in common with the first embodiment.
[0038]
As shown in the flowchart of the main routine of the second embodiment in FIG. 6, when the processing starts (START), the CPU 11 starts from the “date” of the data stored in the account debit data 14 (see FIG. 3). A record in which the withdrawal occurs within the period is extracted in time series, and the amount is read out to the RAM 13. It is determined whether or not there is a withdrawal within a predetermined period (S21). If there is no withdrawal (S21; NO), this procedure is repeated until there is a withdrawal (S21; YES). If there is a withdrawal (S21; YES), it is determined whether there is a prohibition flag (S22). When the prohibition flag is stored (S22; YES), the CPU 11 of the server 10 shifts from the flowchart shown in FIG. 6 to the flowchart shown in FIG. 5 via the connector A, and the host computer 16 (FIG. 1). (See) the account deposit balance 17 is compared with the debit amount (S11).
[0039]
When the deposit balance is larger than the withdrawal amount (S11; YES), the deposit in the account is applied to the withdrawal amount (S12). Also, if the deposit balance is less than the amount to be withdrawn (S11; NO), it cannot be applied to the withdrawal amount from the deposit account. S13). If the withdrawal is not possible (S13), for example, it may be configured to retransfer at a later date or to make a reimbursement by automatic lending, but this will not be described in detail here.
[0040]
When there is no prohibition flag (S22; NO), the debit amount and the account deposit balance are compared by the CPU 11 (S23), and when the balance does not exceed the deduction amount (S23; YES), from the customer deposit account Appropriate for the withdrawal (S24).
[0041]
On the other hand, the CPU 11 compares the balance with the withdrawal amount (S23), and if the withdrawal amount exceeds the account deposit balance (S23; NO), the sum of the converted amount and the account deposit balance, the withdrawal amount, Are compared by the CPU 11 (S25). The total of the converted amount and the account deposit balance is compared with the debit amount. If the total of the converted amount and the account deposit balance is equal to or greater than the deduction amount (S25; YES), first the deduction amount is applied from the deposit account. (S26). Then, the shortage is allocated from the converted money converted from the points (S27).
[0042]
The total of the converted amount and the account deposit balance is compared with the debit amount by the CPU 11 (S25). If the total of the converted amount and the account deposit balance is less than the deducted amount (S25; NO), Since the withdrawal amount cannot be applied to the account deposit balance, the withdrawal is impossible (S28). When the allocation is completed (S24, S27, S28), the next waiting is waited (RETURN, S21).
[0043]
Next, a specific example will be described with reference to FIG. Here, “account management fee” is “2100 yen” on “○ month ○ day” (S21; YES). Here, it is assumed that there is no request for prohibition of withdrawal from the customer and there is no prohibition flag (S22; NO). The amount conversion data for points is “100 points” generated on “○ month ○ day”, the amount conversion for this point is 10 yen per 1 point (point), and the amount conversion amount is “1000 yen”. Here, the withdrawal amount “2100 yen” is compared with the converted amount “1000 yen” (S23). Then, since the amount of withdrawal is larger (S23; NO), the total amount “2500 yen” of the converted amount “1000 yen” and the account deposit balance “1500 yen” is compared with the withdrawal amount “2100 yen”. (S25). Then, the total amount “2500 yen” is larger (S25; YES). Therefore, the withdrawal is not impossible (S28). Of the withdrawal amount “2100 yen”, the entire amount is first applied from the balance “1500 yen” (S26). Then, the remaining “600 yen” is allocated from the converted amount “1000 yen” (S27), and the processing is completed.
[0044]
In the second embodiment, in particular, when the sum of the converted amount and the account deposit balance is equal to or greater than the debit amount, the debit amount is applied from the account deposit balance, and the remaining deduction amount is applied from the converted amount. Therefore, since the converted amount of points is used only when it becomes impossible to withdraw, there is an effect that it is possible to effectively prevent the inability of withdrawal without consuming unnecessary points.
[0045]
(Another example) The present invention is not limited to the above embodiment, and can be implemented as follows, for example.
In the above embodiment, the host computer 16 and the server 10 are composed of different computers. However, they may be composed of the same computer, and are further distributed by a database server or the like. Also good. In addition, the ATM server 18 and the ATM 19 are provided with some of their functions. Each program may be stored in any device, or may be stored in a server or the like so that it can be used each time by communication means.
[0046]
The flowchart shown in the above embodiment is an example, and the order of processing is not limited. Furthermore, steps may be added or deleted as appropriate, or one step may be set as two or more procedures, or two or more steps may be performed as one procedure. Needless to say, the information stored in the storage means can be divided into files or integrated files.
[0047]
○ In the above embodiment, a bank deposit account has been described as an example, but for example, it can be applied to a wide range of computer-managed accounts such as stock accounts of securities companies, distribution business transaction accounts, post office savings accounts, etc. is there.
[0048]
In the above embodiment, the service is exemplified, but the present invention is not limited to this. For example, the deduction may be applied to an electric charge other than the above-executed fee, a public charge such as a telephone charge, a charge for a credit card, or the like. Furthermore, the thing which the necessity of withdrawal at the time of use like the overtime fee of ATM arises.
[0049]
The prohibition flag may be set on the bank side at the time of contracting in advance, or may be arbitrarily set by the customer sequentially from the ATM 19.
Other than that, the present invention is not limited to the above-described embodiments or other examples, and it goes without saying that various modifications and improvements can be implemented by those skilled in the art without departing from the scope of the claims.
[0050]
Next, the technical idea that can be grasped from the above embodiment and other examples will be described below.
(Additional remark 1) An account debit storage automatic storage method for storing account deduction data including date of deduction for each account of the customer and data of the amount of deduction, according to the method for automatically debiting account deduction based on points given to the customer; , Deposit balance storage means for storing account deposit balance data that is data relating to the balance of deposits in the account, and point amount conversion data that is data relating to a conversion amount obtained by converting points held by the customer of the account into money A computer with point data storage means, the amount of the withdrawal of the account withdrawal data stored in the account withdrawal storage means, the converted amount of the amount conversion data of the points stored in the point data storage means, Account deposit balance, which is the balance of customer account deposit, or these Comparison means by results debit gold automatic allocation method according to point, characterized in that to perform the steps of payment management to allocate to the debiting funds based on a comparison to compare one of the total amount of Zureka.
[0051]
(Appendix 2) The payment management step is compared by the comparison means,
If the amount of the withdrawal of the account withdrawal data stored in the account withdrawal storage means does not exceed the conversion amount of the amount conversion data of the points stored in the point data storage means, the money converted from the points is The method for automatically applying an account withdrawal using points as described in appendix 1, which is applied to a withdrawal.
[0052]
(Additional remark 3) The step of the said payment management WHEREIN: The amount of the said withdrawal amount exceeds the said conversion amount compared with the said comparison means, and the sum total of the said conversion amount and the said account deposit balance is more than the amount of the said withdrawal amount In some cases, the entire amount of money converted from the points is applied to a part of the withdrawal, and the account deposit with points according to appendix 2, wherein the account deposit is applied to the remaining withdrawal. Automatic allocation method.
[0053]
(Additional remark 4) The step of the payment management includes the account deposit balance in which the amount of the deduction of the account deduction data stored in the account deduction storage unit compared with the comparison unit is stored in the deposit balance storage unit. If the total of the converted amount and the balance of the account deposit is equal to or greater than the amount of the withdrawal, the entire amount of the account deposit is applied to a part of the withdrawal, and the money converted from the points is used. The method for automatically applying an account withdrawal by points as described in appendix 1, characterized in that it is applied to the remaining withdrawal.
[0054]
(Additional remark 5) Account deduction storage means for storing account deduction data including date of deduction for each account of customer and data of deduction amount, and data relating to balance of deposit in said account Deposit balance storage means for storing the account deposit balance data, point data storage means for storing point amount conversion data that is data related to the conversion amount converted to money for the points held by the customer of the account, and the account The amount of the withdrawal amount of the account withdrawal data stored in the withdrawal storage means, the converted amount of the point amount conversion data stored in the point data storage means, the account deposit balance which is the balance of the deposit of the customer account, or By means of comparison that compares any of these total amounts Debit money automatic allocation program according to point, characterized in that to function as payment management means for allocation to the debiting funds based on the result of the compare.
[0055]
(Additional remark 6) The payment management means compares the amount by the comparison means and converts the amount of the withdrawal amount of the account withdrawal data stored in the account withdrawal storage means into the amount converted to the amount of points stored in the point data storage means 6. The automatic deposit application program for points by point according to appendix 5, wherein money converted from points is applied to the withdrawal when the converted amount of data is not exceeded.
[0056]
(Additional remark 7) The said payment management means is compared with the said comparison means, and the amount of the said withdrawal amount exceeds the said amount of conversion, and the sum total of the said amount of conversion and the said account deposit balance is more than the amount of the said amount of withdrawal In the case, the entire amount of money converted from the points is applied to a part of the withdrawal, and the account deposit automatic by point according to appendix 6, wherein the account deposit is applied to the remaining withdrawal. Allocation program.
[0057]
(Appendix 8) The payment management means compares the amount of the withdrawal of the account withdrawal data stored in the account withdrawal storage means with the comparison means exceeding the account deposit balance stored in the deposit balance storage means. When the total of the converted amount and the balance of the account deposit is equal to or greater than the amount of the withdrawal, the entire amount of the account deposit is applied to a part of the withdrawal, and the money converted from the point is The automatic account withdrawal application program with points according to appendix 5, which is applied to the remaining withdrawal.
[0058]
(Appendix 9) A computer-readable storage medium in which an account withdrawal automatic allocation program using points described in Appendices 5 to 8 is recorded.
[0059]
【The invention's effect】
As is apparent from the above description, according to the automatic account debit payment system according to the points of the present invention, payment can be completed on the account deduction date, such as a fee, using the customer's points and deposit balance without complicated procedures. There is an effect.
[Brief description of the drawings]
FIG. 1 is a block diagram showing a common system configuration of first and second embodiments.
FIG. 2 is a diagram conceptually illustrating an example of stored contents of the first embodiment.
FIG. 3 is a diagram conceptually illustrating an example of stored contents of a second embodiment.
FIG. 4 is a flowchart of a main routine according to the first embodiment.
FIG. 5 is a flowchart of a subroutine common to the first and second embodiments.
FIG. 6 is a flowchart of a main routine of the second embodiment.
[Explanation of symbols]
DESCRIPTION OF SYMBOLS 10 ... Server, 11 ... CPU, 14 ... Account deduction data, 15 ... Point amount conversion data, 16 ... Host computer, 17 ... Account deposit balance

Claims (2)

An automatic debit system with a computer and using the points given to customers,
Account withdrawal storage means for storing account withdrawal data, including data on the date of withdrawal for each customer account and the amount of the withdrawal amount;
Deposit balance storage means for storing account deposit balance data, which is data relating to the balance of deposits in the account;
Point data storage means for storing amount conversion data of points, which is data relating to a conversion amount obtained by converting points held by the customer of the account into money;
Point deduction prohibition request storage means for storing a request from a customer prohibiting deduction from the converted amount stored in the point data storage means to be applied to the deduction, as a prohibition flag;
If the amount of the withdrawal stored in the account withdrawal storage means exceeds the sum of the deposit balance stored in the point data storage means and the converted amount stored in the point data storage means, the withdrawal is impossible. ,
Compare the amount of the withdrawal with the converted amount,
If the amount of the withdrawal does not exceed the converted amount, the residual obtained by subtracting the amount of the withdrawal from the converted amount is stored as a new converted amount in the point data storage means, and the account withdrawal storage The amount of the withdrawal memorized in the means is set to zero,
If the amount of the deduction exceeds the converted amount, the difference obtained by subtracting the converted amount from the amount of the deducted amount is subtracted from the balance of the deposit stored in the deposit balance storage means, and the difference is added to the new deposit. And the amount of the withdrawal stored in the account withdrawal storage unit and the converted amount stored in the point data storage unit are set to zero.
Payment management means,
When the prohibition flag is stored in the point withdrawal prohibition request storage unit, the payment management unit performs processing with the converted amount as zero for the customer. Allocation system. An automatic debit system with a computer and using the points given to customers,
  Account withdrawal storage means for storing account withdrawal data, including data on the date of withdrawal for each customer account and the amount of the withdrawal amount;
  Deposit balance storage means for storing account deposit balance data, which is data relating to the balance of deposits in the account;
  Point data storage means for storing amount conversion data of points, which is data relating to a conversion amount obtained by converting points held by the customer of the account into money;
  Point deduction prohibition request storage means for storing a request from a customer prohibiting deduction from the converted amount stored in the point data storage means to be applied to the deduction, as a prohibition flag;
  If the amount of the withdrawal stored in the account withdrawal storage means exceeds the sum of the deposit balance stored in the deposit balance storage means and the converted amount stored in the point data storage means, the withdrawal is impossible.
  If the amount of the withdrawal amount is compared with the balance of the deposit, and the amount of the withdrawal amount does not exceed the balance of the deposit, the residual obtained by subtracting the amount of withdrawal from the balance of the deposit is set as a new deposit In the deposit balance storage means as the amount of money, and the amount of the withdrawal stored in the account withdrawal storage means is zero,
  If the amount of the deduction exceeds the balance of the deposit, the difference obtained by subtracting the balance of the deposit from the deduction amount is subtracted from the conversion amount stored in the point data storage means, and the difference is newly converted into the conversion amount And remembering the account withdrawal Set the amount of the deposit stored in the column and the balance of the deposit to zero
Payment management means,
  When the prohibition flag is stored in the point withdrawal prohibition request storage unit, the payment management unit performs processing with the converted amount as zero for the customer. Allocation system.

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