JP2001338249A - Card settlement system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a card settlement system, by which a user can perform shopping within the range of use limit set by himself via the Internet. SOLUTION: This system is provided with a communication line for mutually connecting a user terminal, a user portable telephone and a credit company center terminal equipped with a retail store terminal and the user terminal and the user portable telephone display a log-in picture and a card information database picture transmitted from the credit company center terminal and transmit log-in information and card limit information to the credit company center terminal. Then, the credit company center terminal stores the log-in information and the card limit information and transmits the card limit information to the retail store terminal. When a warning amount is reached, warning information is communicated to the user. Then, the retail store terminal receives the inquiry result of a card, and the card limit information and performs a transaction or warning on the basis of the card limit information.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a card settlement system, and more particularly to a card settlement system in which a usage limit is set.

[0002]

2. Description of the Related Art In a conventional card payment system in which a usage limit is set, in a credit card payment system, a usage limit is uniformly set in advance for each card grade, and a product sales transaction is performed only within the limit. Is performed. Further, in the debit card settlement system, the balance of the depositor account becomes the usage limit, and the merchandise sales transaction is performed only within the limit.

[0003]

However, the prior art has the following problems. With the conventional card payment system described above, the credit limit of the card is not the credit limit intended by the user, that is, the problem that the user spends too much more than the planned amount or lending to the child There was the possibility that an unexpectedly large bill was requested later, or the account balance was empty without your knowledge.

In the case of a credit card settlement system, there is a danger of illegal use by a third party when the card is lost or stolen, although insurance is applied. If the stolen card is a credit card that will not be used for a long period of time, there is a risk that the card may be used without your knowledge.

Further, in the case of a debit card settlement system, since the card is managed only by a four-digit password,
If a security code is known to a third party, there is a risk of illegal use by the third party when it is lost or stolen. In addition, debit cards seem to be purchased with bank cash cards, but there is no problem in the event of theft. For this reason, there is an inconvenience that the only option is to use a small deposit account to defend itself.

[0006] The present invention has been made in view of the above problems, and has as its object to provide a card payment system that allows a user to make a purchase via the Internet within a usage restriction set by the user. It is in.

[0007]

Means for Solving the Problems In order to solve the above problems, the present invention has the following constitution. The gist of the invention according to claim 1 is to provide a communication line for mutually connecting a user terminal, a user mobile phone, and a credit company center terminal, wherein the credit company center terminal is a retail store terminal connected via CAFIS. Means for displaying a login input screen for inputting login information including an identification number and a card information database screen for inputting and displaying card restriction information; and wherein the login information and the card restriction information are provided. Means for transmitting to the credit company center terminal, the user mobile phone displays the login input screen and the card information database screen, and the login information and the card restriction information, Means for transmitting to a credit company center terminal, Means for transmitting the login input screen to the user terminal or the user mobile phone, the card information database screen for each user identified by the login information received from the user, the user terminal or Means for transmitting to the user's mobile phone, means for storing the login information and the card restriction information, means for transmitting the card restriction information in response to an inquiry from the retail store terminal, and a warning based on the card restriction information Means for notifying the user of warning information when the amount of money has been reached, wherein the retailer terminal performs the inquiry of the user to a credit company having the credit company center terminal with a card presented by the user. Credit card information along with the inquiry result from the credit company center terminal Means for performing a transaction based on the card restriction information at the time of a merchandise sales transaction, and a means for issuing a warning to an operator or a user based on the setting of the card restriction information. Exist. The gist of the invention according to claim 2 is that the identification number is transmitted from the login input screen to the credit company center terminal by the user and stored as arbitrarily changeable identification information different from the personal identification number of the card. The card settlement system according to claim 1, wherein The gist of the invention described in claim 3 is that the card restriction information is transmitted to the credit company center terminal by being input from the card information database screen and stored, and selection of card use prohibition and permission is performed. The card payment system according to claim 1 or 2, wherein a monthly upper limit amount, the warning amount, a notification method at the time of warning, and a single upper limit amount can be set individually. Exist. The gist of the invention according to claim 4 is that, when the warning information reaches the warning amount, a telephone call to the user, an e-mail transmission to the user, an e-mail to the user, The user is notified by any one of a method of transmitting the information together with the card restriction information to a retail store having a store terminal.
In the card payment system described in any of the above. The gist of the invention according to claim 5 resides in the card settlement system according to any one of claims 1 to 4, wherein the communication line is the Internet. The gist of the invention according to claim 6 is that the user mobile phone is a mobile phone connectable to the Internet using a packet communication service. Exist in card payment system. The gist of the invention according to claim 7 resides in the card settlement system according to any one of claims 1 to 6, wherein the card is a credit card. The gist of the invention described in claim 8 is that
A user terminal, a user mobile phone, and a communication line for interconnecting a financial institution center terminal are provided. The financial institution center terminal includes a retail terminal connected via CAFIS, and the user terminal has an identification number. Means for displaying a login input screen for inputting login information and a card information database screen for inputting and displaying card restriction information, and transmitting the login information and the card restriction information to the financial institution center terminal. Means, the user mobile phone includes means for displaying the login input screen and the card information database screen, and means for transmitting the login information and the card restriction information to the financial institution center terminal, The financial institution center terminal, the login input screen to the user terminal or the And means for transmitting to the Za mobile phone,
Means for transmitting the card information database screen for each user identified by the login information received from the user to the user terminal or the user mobile phone, means for storing the login information and the card restriction information, Means for transmitting the card restriction information in response to an inquiry from the retail store terminal, and means for notifying the user of the warning information when a warning amount is reached based on the card restriction information, wherein the retail store terminal is provided by the user. Means for receiving the card restriction information together with the inquiry result from the financial institution center terminal when making an inquiry of the user to a financial institution having the financial institution center terminal with a card, and the card restriction information at the time of a commodity sale transaction. Means for conducting a transaction based on the above, and an operator or It consists in the card payment system, characterized in that it comprises a means for performing a warning Za. Claim 9
The gist of the invention described is that the identification number is transmitted from the login input screen to the financial institution center terminal and stored by the user as arbitrarily changeable identification information different from the personal identification number of the card. 9. The card settlement system according to claim 8, wherein The gist of the invention according to claim 10 is that the card restriction information is transmitted to the financial institution center terminal by being input from the card information database screen and stored, and selection of card use prohibition and permission is performed. 10. The card settlement system according to claim 8, wherein a monthly upper limit, the warning amount, a notification method at the time of warning, and a single upper limit amount can be individually set. Exist. The gist of the invention according to claim 11 is that the warning information is:
When the warning amount is reached, a call is made to the user, an e-mail is transmitted to the user, and the card is transmitted to the retailer equipped with the retailer terminal together with the card restriction information, which is set in advance by setting a contact method at the time of warning. The card settlement system according to any one of claims 8 to 10, wherein the user is notified by any method. The gist of the invention according to claim 12 resides in the card settlement system according to any one of claims 8 to 11, wherein the communication line is the Internet. The gist of the invention described in claim 13 is that the user mobile phone is a mobile phone that can connect to the Internet using a packet communication service. Exist in card payment system. The gist of the invention according to claim 14 is that the card is a debit card.
To a card settlement system according to any one of the first to thirteenth aspects.

[0008]

Embodiments of the present invention will be described below in detail with reference to the drawings. First Embodiment As shown in FIG. 1, a card payment system according to the present embodiment includes a user terminal 10 and a user mobile phone 20.
And a credit company center terminal 30, a network 100 such as the Internet for interconnecting them, and a CAFIS 32 (CAF
IS is a mechanism for performing immediate settlement with financial institutions. ) Via a telephone line or the like.

The user terminal 10 is an information processing device such as a personal computer. The user terminal 10 accesses the card information database provided by the credit company center terminal 30 on the network 100,
It has a function to display a login input screen and a card information database screen on the screen. On the login input screen, for example, a name, a card number, a login password input section, a new registration button, a registered content change button, and the like are displayed. In addition, the card information database screen includes, for example, a display section for name, card number, use restriction status, selection of use prohibition and cancellation, a detailed use restriction setting information input section, and a setting method for a contact method when a warning amount is reached. The part or the like is displayed. Further, the user terminal 10 has a function of transmitting login information input by the user and card restriction information set by the user to the credit company center terminal 30 via the network 100.

The user mobile phone 20 is a mobile phone that can connect to the Internet using a packet communication service. The user mobile phone 20 has a function of accessing a card information database provided by the credit company center terminal 30 on the network 100 and displaying a login input screen and a card information database screen on the screen. On the login input screen, for example, name, card number, login password input section and new registration button,
A registered content change button and the like are displayed. In addition, the card information database screen includes, for example, a display section for name, card number, use restriction status, selection of use prohibition and cancellation, a detailed use restriction setting information input section, and a setting method for a contact method when a warning amount is reached. The part or the like is displayed. Further, the user mobile phone 20 has a function of transmitting login information input by the user and card restriction information set by the user to the credit company center terminal 30 via the network 100.

The credit company center terminal 30 is operated by a credit company and is constituted by an information processing device such as a workstation server. The credit company center terminal 30 receives the login information transmitted by the user terminal 10 or the user mobile phone 20 by the user's operation, and transmits the user's card information database to the user terminal 10 or the user mobile phone 20 based on the identification information. Has a function. The user's identification information and card information database are stored in the credit company center terminal 30, and can be accessed any time after the setting is made. Further, the user can freely change the identification information on the login input screen.

The retail store terminal 31 is a POS (Poi) provided in a department store or a 24-hour retail store, for example.
nt (Sales system: CAT (CAT) connected to a point of sale (information) management system)
(Creditcard Authorization
Terminal: an information processing device such as a credit inquiry terminal / credit business terminal device / credit inquiry terminal). The retail store terminal 31 transmits the inquiry information of the user's credit card to the credit company center terminal 30, receives the inquiry result and the card restriction information from the credit company center terminal 30, and performs the merchandise trading transaction based on the information.

Next, the operation of the present invention will be described. In the following description, it is assumed that the network 100 is the Internet. Although the following description has been made with reference to the user terminal 10, the same operation can be performed using the user mobile phone 20.

Referring to FIG. 2 to FIG. 4, a user can use a credit company center via his / her user terminal 10 via a card information homepage (not shown) established on a network 100 by a credit company. Access the terminal 30 (step A1). The credit company center terminal 30 transmits the login screen shown in FIG. 2 to the user terminal 10 (step A2). On the log-in screen, the user inputs credit card information and an identification number to be used, and transmits them to the credit company center terminal 30 (step A3). The credit company center terminal 30 transmits the card information database screen of the user shown in FIG. 3 to the user terminal 10 based on the identification number (step A4).

First, a card information database screen as shown in FIG. 3 is displayed on the user terminal 10. The user inputs card restriction information indicating credit card usage restrictions on the card information database screen displayed on the user terminal 10. For example, in the example of FIG. 3, when the user clicks the setting field and the monthly setting field with the mouse, the circle is inverted, and $ 20,0 is entered in the upper limit amount field using the keyboard.
When 00 is input, it is displayed and set in the upper limit amount column (step A5). At the time of setting, a warning amount can be set at the same time, and a warning method can be selected.

Next, the user selects "Send" on the screen shown in FIG.
When the button is clicked on with a mouse, the user terminal 10 transmits the card restriction information to the credit company center terminal 30 via the network 100 (step A6).

The credit company center terminal 30 generates and stores restriction information using the card restriction information received from the user terminal 10 (step A7).

Next, the retail store terminal 31 transmits the card inquiry information of the credit card presented by the customer (user) to the credit company center terminal 30 (step A8).

The credit company center terminal 30 sends the inquiry result of the credit card and the card restriction information to the retail store terminal 31 (step A9).

Based on the inquiry result received from the credit company center terminal 30 and the card restriction information, the retail store terminal 31 performs merchandise sales transaction processing assuming that the transaction is completed if the purchase is within the card restriction information (step A10). . The retail store delivers the product to the customer when the product sales transaction processing at the retail store terminal 31 is established (step A11).

As described above, the present embodiment has an effect that a user of a credit card can make a purchase within a usage limit set by himself / herself via a network (Internet) in advance. In particular, when a credit card is intentionally used, the effect is remarkable.

In addition, since the card information database can be accessed and restricted with an identification number different from the credit card PIN, there is also an effect that a parent can lend a credit card to a child with peace of mind.

-Second Embodiment-In a second embodiment of the present invention, after a user transmits card restriction information for prohibiting use of a card using the user terminal 10 to the credit company center terminal 30, The third embodiment is different from the first embodiment in that the restriction release information is transmitted to the credit company center terminal 30 immediately before shopping using the user's mobile phone 20 at a destination. Therefore, the credit company center terminal 30 has a function of transmitting information set on the user terminal 10 to the user mobile phone 20 when the information is accessed from the user mobile phone 20. Also,
The credit company center terminal 30 has a function of immediately updating the card restriction information received from the user. Next, the operation of the present embodiment will be described.

Referring to FIG. 5, the operation until the user terminal 10 accesses the credit company center terminal 30 and receives the card information database screen (step B)
1 to B4) correspond to the operation of the first embodiment (steps A1 to A4).
Same as A4). In the example of FIG. 3, when the user clicks the setting column and the use prohibition column with the mouse in the example of FIG. 3, the circle is inverted (step B5).

Next, the user selects "Send" on the screen of FIG.
When the button is clicked with the mouse, the credit company center terminal 3 is used as the use prohibition information from the user terminal 10.
0 via the network 100 (step B6).

The credit company center terminal 30 sets the card to the use prohibition using the use prohibition information received from the user terminal 10 and stores the card (step B7).

Next, the user operates the user mobile phone 20.
Is used to access the credit company center terminal 30 (step B8). Operation (steps B9-B) until the user mobile phone 20 accesses the credit company center terminal 30 and receives the card information database screen
11) is the operation (steps A1 to A) in the first embodiment.
4) and user mobile phone 2 instead of user terminal 10
It is the same except that it becomes 0.

Next, the user's mobile phone 20 is set to release the restriction when the user clicks on the use prohibition column of the setting column with the mouse in the example of FIG. 3 and releases the circle inverted state (step B12). Next, when the user clicks the "Send" button on the screen of FIG. 3 with the mouse, the "Send" button is transmitted from the user's mobile phone 20 to the credit company center terminal 30 via the network 100 as restriction release information (step B13).

The credit company center terminal 30 sets the card usable by using the card restriction information received from the user mobile phone 20, and stores the card (step B1).
4).

Operation until retail store terminal 31 transmits customer inquiry information and conducts a transaction (steps B15 to B18).
Until the operation of the first embodiment (steps A8 to A11)
Is the same as When the credit card can be used, the use of the credit card can be restricted as in the first embodiment.

As described above, this embodiment has an effect that illegal use by a third party due to theft or the like can be prevented. In particular, in the case of a credit card which is not used for a long time, the effect is remarkable.

Third Embodiment As shown in FIG. 6, a card settlement system according to the present embodiment comprises a user terminal 40 and a user mobile phone 50.
, A financial institution center terminal 60, a network 200 such as the Internet for interconnecting them, and a retail store terminal 61 connected to the financial institution center terminal 60 via a telephone line or the like via CAFIS32.

The second embodiment is the same as the first embodiment except that the credit company center terminal 30 is replaced with the financial institution center terminal 60. Another difference is that a debit card is used instead of a credit card.

All operations (C1) in FIG.
To C11), except that the financial institution center terminal 60 is used instead of the credit company center terminal 30.
(Steps A1 to A11). As described above, the present embodiment has an effect that a user of a debit card can shop in advance via the Internet within a usage limit set by himself / herself. In particular, the effect is remarkable when a debit card is intentionally used.

In addition, since the card information database can be accessed and restricted by an identification number different from the credit card PIN, there is also an effect that the parent can lend the child a debit card with peace of mind.

-Fourth Embodiment- A fourth embodiment of the card settlement system of the present invention has the same configuration as the third embodiment. All the operations (D1 to D18) in FIG. 8 are performed in steps B1 to B1 except that the financial institution center terminal 60 is used instead of the credit company center terminal 30 in the second embodiment.
Same as 8. Another difference is that a debit card is used instead of a credit card.

As described above, this embodiment has an effect that illegal use by a third party due to theft or the like can be prevented. In particular, in the case of a debit card, since the use is restricted by an identification number different from the four-digit password, the effect on security is remarkable.

The effect is also remarkable when a small account is opened with extra effort as a self-defense measure. Further, the present embodiment is very effective because insurance is not applied to a debit card when it is lost or stolen.

Since the card settlement system according to each embodiment is configured as described above, the following effects can be obtained. The first effect is that the card can be used systematically. The reason is that the user of the card can set the use restriction by himself / herself via the network.

The second effect is that a parent can lend a card to a child with peace of mind. The reason is that the use restriction can be set with an identification number different from the personal identification number of the card.

The third effect is that illegal use by a third party due to theft or the like can be prevented. The reason is that the use can be canceled immediately before using the card with an identification number different from the personal identification number of the card.

Note that, in the present embodiment, the present invention is not limited to the above, and can be applied to a mode suitable for applying the present invention.

Further, the number, position, shape, etc. of the above-mentioned constituent members are not limited to the above-mentioned embodiment, but can be set to a number, position, shape, etc. suitable for carrying out the present invention.

In each of the drawings, the same components are denoted by the same reference numerals.

[0045]

As described above, the present invention has an effect that a card settlement system is provided in which a user can make a purchase within the range of use restrictions set by the user via the Internet.

[Brief description of the drawings]

FIG. 1 is a block diagram showing first and second embodiments of the present invention.

FIG. 2 is a diagram showing an example of a screen displayed on the user terminals 10 and 40 of the present invention.

FIG. 3 is a diagram showing an example of a screen displayed on the user terminals 10 and 40 of the present invention.

FIG. 4 is a flowchart showing the operation of the first embodiment of the present invention.
It is a chart.

FIG. 5 is a flowchart showing the operation of the second embodiment of the present invention.
It is a chart.

FIG. 6 is a block diagram showing third and fourth embodiments of the present invention.

FIG. 7 is a flowchart showing the operation of the third embodiment of the present invention.
It is a chart.

FIG. 8 is a flowchart showing the operation of the fourth embodiment of the present invention.
It is a chart.

[Explanation of symbols]

 Reference Signs List 10 user terminal 20 user mobile phone 30 credit company center terminal 31 retail store terminal 32 CAFIS 100 network 40 user terminal 50 user mobile phone 60 financial institution center terminal 61 retail store terminal 200 network

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G06F 17/60 506 G06F 17/60 506

Claims (14)

[Claims] 1. A user terminal, a user mobile phone,
A communication line for interconnecting a credit company center terminal with each other; the credit company center terminal including a retail store terminal connected via CAFIS; and the user terminal logging in to input login information including an identification number. Means for displaying an input screen and a card information database screen for inputting and displaying card restriction information; and means for transmitting the login information and the card restriction information to the credit company center terminal. The telephone includes means for displaying the login input screen and the card information database screen, and means for transmitting the login information and the card restriction information to the credit company center terminal, wherein the credit company center terminal includes: The login input screen to the user terminal or the Means for transmitting to the user mobile phone, means for transmitting the card information database screen for each user identified by the login information received from the user to the user terminal or the user mobile phone, the login information and Means for storing the card restriction information, means for transmitting the card restriction information in response to an inquiry from the retailer terminal, and means for notifying the user of the warning information when a warning amount is reached based on the card restriction information. The retail store terminal receives the card restriction information together with the inquiry result from the credit company center terminal when making an inquiry of the user with a credit company provided with the credit company center terminal using a card presented by the user. Means based on the card restriction information at the time of product sales transaction. A card settlement system comprising: means for conducting a transaction; and means for issuing a warning to an operator or a user based on the setting of the card restriction information. 2. The credit number is transmitted by the user from the login input screen to the credit company center terminal as arbitrarily changeable identification information different from the personal identification number of the card, and is stored. The card settlement system according to claim 1, wherein 3. The card limit information is transmitted from the card information database screen to the credit company center terminal by being input from the card information database screen and stored therein. 3. The card settlement system according to claim 1, wherein setting of the warning amount, a communication method at the time of warning, and setting of an upper limit amount each time can be individually performed. 4. 4. The system according to claim 1, wherein the warning information is set beforehand by the setting of a communication method at the time of the warning when the warning amount is reached. The card settlement system according to any one of claims 1 to 3, wherein the user is notified by any one of a method of transmitting the card restriction information to a store. 5. The card settlement system according to claim 1, wherein said communication line is the Internet. 6. The card settlement system according to claim 1, wherein the user's mobile phone is a mobile phone connectable to the Internet using a packet communication service. 7. The card settlement system according to claim 1, wherein said card is a credit card. 8. A user terminal, a user mobile phone,
A communication line interconnecting the financial institution center terminal; a financial institution center terminal including a retail store terminal connected via CAFIS; and the user terminal logging in to input login information including an identification number. Means for displaying an input screen and a card information database screen for inputting and displaying card restriction information; means for transmitting the login information and the card restriction information to the financial institution center terminal; Comprises: means for displaying the login input screen and the card information database screen; and means for transmitting the login information and the card restriction information to the financial institution center terminal. Means for transmitting an input screen to the user terminal or the user mobile phone, Means for transmitting the card information database screen for each user identified by the login information received from the user to the user terminal or the user mobile phone, means for storing the login information and the card restriction information, Means for transmitting the card restriction information in response to an inquiry from a retail store terminal, and means for communicating warning information to a user when a warning amount is reached based on the card restriction information, wherein the retail store terminal is presented by the user Means for receiving the card restriction information together with the inquiry result from the financial institution center terminal when making an inquiry of the user to a financial institution having the financial institution center terminal with a card, and the card restriction information at the time of a commodity sale transaction. Means for conducting a transaction based on the above, and an operator or Means for issuing a warning to a user. 9. The identification number transmitted from the login input screen to the financial institution center terminal by the user as arbitrarily changeable identification information different from the personal identification number of the card, and stored. The card settlement system according to claim 8, wherein 10. The card restriction information is transmitted to the financial institution center terminal by being input from the card information database screen and stored therein, and selection of card use prohibition and permission, and monthly upper limit amount The card settlement system according to claim 8, wherein the warning amount, the setting of the communication method at the time of warning, and the setting of the upper limit amount each time can be individually performed. 11. The warning information may include a telephone call to the user, an e-mail transmission to the user, and a retailer including the retailer terminal, which are set in advance by the setting of a contact method at the time of reaching the warning amount. The card settlement system according to any one of claims 8 to 10, wherein the user is notified to the store by any one of transmission and the card restriction information. 12. The card settlement system according to claim 8, wherein said communication line is the Internet. 13. The card settlement system according to claim 8, wherein the user mobile phone is a mobile phone connectable to the Internet using a packet communication service. 14. The card settlement system according to claim 8, wherein said card is a debit card.