To provide a point card, a point card system and a point card using method for establishing a technology to clarify a relation between numeric values and non-numeric values in a group.

This point card system is configured of a sales main body side terminal 4, a computer 3 to be managed by the sales main body for analyzing consumption trends, and a point card 5 to be managed by the member. The computer is formed of an analyzing part 12 for analyzing points. The points are formed of the number of individual cumulative points ΣIP being the total value of the number of individual points IP and the number of group cumulative points ΣGP being the cumulative value of the number of group points GP being the total value of the number of individual cumulative points ΣIP of all the members of the group. When the number of group cumulative points ΣGP is larger than a specific number, and the number of individual cumulative points ΣIP is smaller than a specific number, the analyzing part 12 outputs a permission signal (9) to permit one identical member to use the number of individual cumulative points as service data. The service data are used to strengthen the security of this system where an individual freely uses his or her points to the maximum value without considering the existence of the group, and to clarify the two ways of cumulative points.