JP2005165785A - Card payment device and method and computer program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a card payment method that can reduce the risk of card payments being retarded, without placing a burden on a party who deals with the payments. <P>SOLUTION: An information process about transactions using the card of a card member having a dedicated savings account and a normal account is implemented. An amount used on the card is preferentially withdrawn from the dedicated savings account. In step S602, a card company's sever determines if a request for transfers from the dedicated savings account has been made to A bank. If the request is determined to have been made, step S604 is started in which points based on the request for transfers from the dedicated savings account are awarded at a higher rate than for points that match an amount transferred from the normal account. Then step S606 is started in which a determination is made as to whether a request for transfers from the normal account has been made to B bank. If the request is determined to have been made, step S608 is started in which points based the request for transfers from the normal account are awarded. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

  The present invention relates to a card settlement apparatus, a card settlement method, and a computer program. More specifically, the present invention relates to a card settlement apparatus, a card settlement method, and a computer program that give preferential information to a customer according to a settlement amount of a card settlement transaction.

  Currently, a network system owned by a payment operator such as a card company is used for carrying out credit payment, point program, revolving, and the like.

  In principle, these transactions and services are withdrawn from the bank's designated account. However, if there is no amount to be debited in the account to be debited, payment will be delayed. Therefore, for card members having a plurality of accounts, a technique is known in which when the balance of a certain account is less than the withdrawal amount, the remaining amount is withdrawn from another account (see, for example, Patent Document 1).

  In addition, a technique is known in which funding is performed at regular intervals, and the fund can be used when the funding period becomes full (see, for example, Patent Document 2).

JP 59-151259 A JP-A-10-124592

  However, the conventional technology for withdrawing from multiple accounts is aimed at securing the withdrawal amount on the settlement operator side, and does not motivate the cardholder to deposit. There was a problem that still bears a high delinquency risk.

  In addition, since the settlement using the reserve is an original service for a settlement operator, it is necessary to carry out a procedure such as concluding an exclusive preferential contract with a customer or a member store, and it is difficult to find customers. Therefore, there is a problem that a mechanism for increasing the motivation for customers to subscribe to such a service is required.

  The present invention has been made in view of such problems, and the purpose of the present invention is to provide a card settlement apparatus that can reduce the risk of arrears in card settlement in a form that is free from both the store and the settlement operator, It is to provide a card settlement method and a computer program.

  In order to achieve such an object, the invention described in claim 1 is a card settlement apparatus that performs information processing related to a transaction using a card member card having a first account and a second account, A transmission for transmitting request information for transferring the card usage amount of the card member within a range corresponding to the balance information of the first account to a first settlement server that manages the balance information of the first account. If the card usage amount is equal to or greater than the amount corresponding to the balance information of the first account, the card usage amount is sent to a second settlement server that manages the balance information of the second account. An amount corresponding to the first request information, a transmission means for transmitting second request information for transferring the remaining amount of money from the second account, and a generation means for generating preferential information according to the card usage amount And the above In the amounts corresponding to the request information, characterized by comprising a generating means for generating special offers corresponding to different preferential.

  The invention according to claim 2 is the card settlement apparatus according to claim 1, further comprising storage means for storing balance information of the first account, wherein the transmission means is stored in the storage means. Determining means for determining whether or not the amount corresponding to the balance information is equal to or greater than the card usage amount; and the determination means determines that the amount corresponding to the balance information stored in the storage means is less than the card usage amount. In this case, the first request information for transferring the amount of the balance of the first account to the first settlement server, the card usage amount and the second settlement server, And means for transmitting second request information for transferring a difference from the balance of the first account.

  The invention according to claim 3 is the card settlement apparatus according to claim 2, wherein the determination means further determines whether the amount corresponding to the balance information of the first account is equal to or greater than a predetermined amount. And when the determining means determines that the amount corresponding to the balance information of the first account is less than a predetermined amount, the transmitting means transmits the card usage amount to the second settlement server. It further has means for transmitting third request information to be transferred.

  The invention according to claim 4 is a card settlement apparatus that performs information processing relating to a transaction using a cardholder card having a first account and a second account, wherein the first account and the first account A first request information for transferring the card member's card usage amount within a range corresponding to the balance information of the first account to a settlement server that manages the balance information of the account of 2; A transmitting means for transmitting second request information for transferring the remaining amount of the card usage amount from the second account when the usage amount is equal to or greater than the amount corresponding to the balance information of the first account; Generating means for generating preferential information corresponding to the first request information and generating the preferential information corresponding to different preferential treatments for the amount corresponding to the first request information and the amount corresponding to the second request information Means and equipment And wherein the Rukoto.

  The invention according to claim 5 is the card settlement apparatus according to claim 4, further comprising storage means for storing balance information of the first account, wherein the transmission means is stored in the storage means. Determining means for determining whether or not the amount corresponding to the balance information is equal to or greater than the card usage amount; and the determination means determines that the amount corresponding to the balance information stored in the storage means is less than the card usage amount. The first request information for transferring the amount of the balance of the first account to the settlement server, and the second amount of transfer of the difference between the card usage amount and the amount of the balance of the first account Means for transmitting the request information.

  The invention according to claim 6 is the card settlement apparatus according to claim 5, wherein the determination means further determines whether or not the amount corresponding to the balance information of the first account is a predetermined amount or more. And when the determining means determines that the amount corresponding to the balance information of the first account is less than a predetermined amount, the transmitting means transmits the card from the second account to the card. The information processing apparatus further includes means for transmitting third request information for transferring the usage amount.

  Further, the invention according to claim 7 is the card payment apparatus according to any one of claims 1 to 6, wherein the generating means determines the degree of preferential treatment according to the amount corresponding to the first request information, Preferential information set higher than the degree of preferential treatment according to the amount corresponding to the second request information is generated.

  The invention according to claim 8 is a card settlement method executed by a computer that performs information processing relating to a transaction using a cardholder card having a first account and a second account, wherein Transmission means for transmitting request information for transferring the card usage amount of the card member within a range corresponding to the balance information of the first account to a first settlement server that manages the balance information of one account. If the card usage amount is equal to or greater than the amount corresponding to the balance information of the first account, the remaining amount of the card usage amount is sent to the second settlement server that manages the balance information of the second account. A transmission step of transmitting second request information for transferring from the second account, and a generation step of generating preferential information according to the card usage amount, wherein the money corresponding to the first request information When, in the amounts corresponding to the second request information, characterized by comprising a generation step of generating a preferential treatment information corresponding to different preferential.

  The invention according to claim 9 is the card settlement method according to claim 8, wherein the computer stores balance information of the first account, and the transmission step includes the stored balance information. A determination step of determining whether the amount corresponding to the card usage amount is equal to or greater than the card usage amount; and when the determination means determines that the amount corresponding to the stored balance information is less than the card usage amount, Transmitting the first request information for transferring the amount of the balance of the first account to the settlement server, and the card usage amount and the balance of the first account to the second settlement server. And a step of transmitting second request information for transferring the difference from the amount of the minutes.

  The invention according to claim 10 is the card settlement method according to claim 9, wherein the determination step further determines whether or not the amount corresponding to the balance information of the first account is a predetermined amount or more. In the transmitting step, when it is determined in the determining step that the amount corresponding to the balance information of the first account is less than a predetermined amount, the card usage amount is sent to the second settlement server. The method further includes the step of transmitting third request information to be transferred.

  The invention according to claim 11 is a card settlement method executed by a computer that performs information processing related to a transaction using a cardholder card having a first account and a second account, wherein First request information for transferring the card usage amount of the card member within a range corresponding to the balance information of the first account to a settlement server that manages the balance information of the first account and the second account. Transmitting and transmitting second request information for transferring the remaining amount of the card usage amount from the second account when the card usage amount is equal to or greater than the amount corresponding to the balance information of the first account; A generating step of generating preferential information according to the card usage amount, wherein the amount corresponding to the first request information is different from the amount corresponding to the second request information. Card settlement method characterized by comprising a generation step of generating a special offers to be.

  The invention according to claim 12 is the card settlement method according to claim 11, wherein the computer stores balance information of the first account, and the transmission step includes the stored balance information. If the determination step determines whether the amount corresponding to the card usage amount is equal to or greater than the card usage amount, and the determination step determines that the amount corresponding to the stored balance information is less than the card usage amount, the settlement server In response, first request information for transferring the balance amount of the first account and second request information for transferring the difference between the card usage amount and the balance amount of the first account are transmitted. And a step of performing.

  The invention according to claim 13 is the card settlement method according to claim 12, wherein the determination step further determines whether the amount corresponding to the balance information of the first account is equal to or greater than a predetermined amount. And when the sending step determines in the determining step that the amount corresponding to the balance information of the first account is less than a predetermined amount, the card is sent from the second account to the card. The method further includes a step of transmitting third request information for transferring the usage amount.

  The invention according to claim 14 is the card settlement method according to any one of claims 8 to 13, wherein the generation step determines a preferential treatment according to an amount corresponding to the first request information, Preferential information set higher than the degree of preferential treatment according to the amount corresponding to the second request information is generated.

  The invention according to claim 15 is a computer program for causing a computer to function as the card settlement apparatus according to any one of claims 1 to 7.

  According to the present invention, the following effects can be achieved for each of a card member, a card company, and a bank.

<Advantages for cardholders>
For cardholders, the funded amount is guaranteed, so asset management with low risk is possible.
Further, it is possible to acquire more points than usual in shopping using the reserve amount.
Further, since the reserve can be used for card settlement, it is extremely versatile unlike a general reserve system such as prepaid.

<Advantages for card companies>
For card companies, existing systems and mechanisms can be used to reduce the risk of card payment arrears at low cost.
Moreover, it becomes possible to lead many customers to excellent customers.

<Advantages for banks>
For banks, it is possible to pool funds without interest by opening a dedicated account.

  In the present invention, a fixed amount accumulation system is provided for card members, and a certain amount is collected with a card every month. The funding will be done by opening a dedicated funding account at a partner bank. The reserve money can be used for normal card settlement after the designated reserve period. Then, the reserve account is set as a withdrawal account with priority over a normal settlement account.

The card usage amount by the card member is preferentially withdrawn from the funded account, and the difference is deducted from the normal account for shopping more than the funded amount. Then, when using the card, in addition to the normal points (for example, 0.5%), points (for example, 0.5%) corresponding to the accumulated account are given.
The given points can be converted into cash and used for shopping at member stores.

The reserve period and the amount can be arbitrarily set. For example, it is possible to set a stationary period instead of using the next month.
At the time of cancellation, the reserve will be refunded to the designated account.
DESCRIPTION OF EMBODIMENTS Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the drawings.

<First Embodiment>
FIG. 1 is a block diagram conceptually showing the system configuration of the network system according to the present embodiment. As shown in the figure, the network system 1 is configured by connecting a card company server 102, payment servers 104a and 104b, and a credit terminal 122, which are computer systems, to a network 100.

  The credit terminal 122 is an information processing terminal used at a credit card member store issued by a card company, and requests credit processing from the store to the card company server 102.

  The card company server 102 is a server computer managed by a card company that provides a card payment service, performs credit processing in response to a request from the credit terminal 122, and sets the payment server 104a, Request account transfer to 104b.

  The settlement server 104a is a server computer used in a first bank (hereinafter referred to as “A bank”), and is used for managing balance information of customer accounts. The settlement server 104b is a server computer used in a second bank (hereinafter referred to as “B bank”), and is used for managing the balance information of the customer's account in the same manner as the settlement server 104a.

  Next, functional configurations of the card company server and the settlement server according to the present embodiment will be described. As shown in FIG. 1, the card company server 102 includes an account transfer request unit 106, a credit processing unit 107, a point processing unit 108, a storage unit 110, and a communication control unit 120. The account transfer request unit 106 generates request information for transferring the card usage amount from the card member's account to the member store's account when the card member uses the credit card to make a payment at the member store. 104a and 104b are transmitted. The credit processing unit 107 executes credit processing such as approval of a card settlement transaction and approval of cashing. The point processing unit 108 performs a process of adding points according to the card member's usage amount, and a process of subtracting points when the card member uses the points. Here, addition and subtraction of points are performed by updating information in a point information table described later.

The storage unit 110 stores a program for executing the functions of the present invention and related data. Here, a part of the related data stored in the storage unit 110 constitutes a data set (database). In this database, each data constitutes an item of a predetermined table.
The communication control unit 120 controls transmission / reception of information via the network 100.

  FIG. 2 is a diagram conceptually illustrating an example of a table stored in the storage unit 110. As shown in the figure, at least a member information table, a balance table, a point information table, and a sales information table are defined in this embodiment for use in managing a database. The storage unit 110 also includes other known information necessary for credit processing and the like.

  As shown in FIG. 2A, the member information table includes, as items, a member ID for identifying a card member, a card number of a credit card, an account number designated by the card member, and a funded account number. Here, the accumulated account number is the number of an account established in the A bank for the card member to accumulate an amount for card settlement.

  As shown in FIG. 2B, the balance table associates cardholder account numbers with balances. Here, the balance is expressed as numerical information, and in the present specification, this numerical information is referred to as balance information.

  In addition, the point information table is a table in which member IDs and points are associated as shown in FIG. Here, the point is expressed as numerical information, and in the present specification, this numerical information is referred to as point information.

  The sales information table shown in FIG. 2D manages the date and time when the card member specified by the card ID made the card payment, the member store number of the member store that made the card payment, and the card usage amount. Here, the card usage amount is expressed as numerical information, and in this specification, this numerical information is referred to as card usage amount information.

  Referring to FIG. 1 again, the settlement server 104a includes an account transfer unit 112a, a notification unit 114a, a storage unit 116a, and a communication control unit 118a.

The account transfer unit 112a performs an account transfer process by updating the information stored in the storage unit 116a. The notification unit 114a generates information to be notified to an external computer system and issues a notification command to the communication control unit 118a. The storage unit 116a stores a program for executing the functions of the present invention and related data. Here, a part of the related data stored in the storage unit 116a constitutes a data set (database). In this database, each data constitutes an item in a predetermined table.
The communication control unit 120 controls transmission / reception of information via the network 100.

  FIG. 3 is a diagram illustrating an example of a customer information table stored in the storage unit 116a of the settlement server 104a. The customer information table includes the account number of the account opened by the customer in bank A, the type of ordinary / current account, the name of the account, and the balance.

  The functional configuration of the settlement server 104b is the same as that of the settlement server 104a except that the content of the information stored in the storage unit 116b is unique to the bank B, and thus description thereof is omitted.

  FIG. 4 is a block diagram showing a hardware configuration of a computer system that functions as the card company server 102 and the payment servers 104a and 104b included in the network system of FIG. Each computer system may be configured by a plurality of hardware.

  In the figure, a computer system 200 includes a central processing unit constituted by a CPU 202 and the like, a main storage unit constituted by a ROM 204 and a RAM 206, an external storage device constituted by an HD drive 208 and an FD drive 210, a mouse 216, An input device constituted by a keyboard 215 and the like, a display device constituted by a display 214 and the like, a communication interface 218 for connecting to a network, and a system bus 212 for connecting these elements so as to communicate with each other.

  This computer system operates when the CPU 202 executes program instructions of an operating system (OS) and application programs. The OS and application programs are written on the HD in the HD drive 208. When the power of the computer system is turned on, the OS is read from the HD included in the HD drive 208 to the RAM 204, and the operation of the OS is started.

  In addition, an application program for realizing the present embodiment and data related to execution of the program are recorded in the FD. When the FD is set in the FD drive 210, the application program and related data are loaded into the computer system through the FD drive 210. Each computer system operates under the control of the OS and application programs. Various functions of each computer system related to this embodiment to be described later are achieved by executing program instructions of these computer programs.

In the present embodiment, it is assumed that the following conditions are satisfied among the card member, the card company, the bank A, and the bank B.
(1) The card member opens an account at Bank B as a normal account. In addition, an account is opened at Bank A as a dedicated fund account.
(2) The account number of the card member established in the A bank and the B bank is notified to the card company, and the card company stores information on the account number in the member information table. The bank A account may be opened by a card company.
(3) The cardholder accumulates a certain amount every month in the dedicated account. This funding is done at the card company. Therefore, the card company knows the reserve amount, and the balance table is updated every month according to the reserve amount. Here, the reserve period and reserve amount can be set in the card company. It is also possible to deposit the specified amount in a lump and use it for card payment after a certain period of time when it cannot be used.
In the present embodiment, the reserve money is transferred from the bank B account, but the present embodiment is not limited to this.
(4) Bank A reserves interest-free funds in a dedicated account.

Next, with reference to FIG. 1, the operation | movement at the time of card payment in the network system comprised as mentioned above is demonstrated.
When card payment is performed at a member store where a card member is present, the credit card of the card member is read at a credit terminal 122 installed at the member store. The credit terminal 122 transmits the payment amount and card information to the card company server 102, and requests credit processing. When the card company server 107 receives the credit request via the communication control unit 120, the credit processing unit 107 refers to the information stored in the card member storage unit 110, performs credit processing, and returns a reply to the credit terminal. To do. When the settlement is approved, the credit processing unit 107 adds information related to the transaction to the sales information table.

Next, with reference to FIG. 1 and FIG. 5, the operation of the card settlement method according to the present embodiment performed following the above-described processing will be described.
The card company server 102 refers to the sales information table in the account transfer request unit 106, and calculates the total amount of card usage within a certain period (step S502). Next, referring to the balance table, it is determined whether or not there is a balance in the reserved account for the card member (step S504).

  If there is a balance in the reserve account, request information for transferring the card member's card usage amount within the balance of the reserve account is transmitted to the settlement server 104a. Specifically, it is determined whether or not the balance of the reserved account is smaller than the card usage amount (step S506). If the balance of the reserved account is equal to or greater than the card usage amount, the card is used from the reserved account to the settlement server 104a. Request information for transferring the amount is transmitted (step S508).

  In the account transfer unit 112a, the settlement server 104a updates the balance information in the customer information table based on the received transfer request information, and performs a process of transferring the card usage amount from the reserved account to another account (step S519). Here, in the case where the account of the member store is opened at another bank, a telegram is sent to and received from the other bank, and this processing is performed using a known technique. The settlement server 104a that has finished the account transfer notifies the card company server 102 to that effect from the notification unit 114a via the communication control unit 118a, and proceeds to step S516.

  On the other hand, when the balance of the accumulation-dedicated account is smaller than the card usage amount, request information for transferring the amount of the balance of the accumulation-dedicated account is transmitted (step S510).

  Therefore, when the balance of the reserve account is equal to or greater than the card usage amount, the request information instructs to debit the entire card usage amount and transfer it to the account of each member store. On the other hand, when the balance of the reserve account is less than the card usage amount, it is instructed to withdraw the entire balance and transfer it to the account of each member store.

  Next, in the account transfer unit 112a, the settlement server 104a updates the balance information in the customer information table based on the received transfer request information, and performs a process of transferring the card usage amount from the reserved account to another account (step S520). . The settlement server 104a that has finished the account transfer notifies the card company server 102 to that effect from the notification unit 118a via the communication control unit 118a.

  Next, the card company server 102 proceeds to step S512, and sets the difference between the card member's card usage amount and the withdrawal amount from the dedicated account as a new card usage amount.

  When it is determined in step S504 that there is no balance in the reserve account, or when the process of step S512 is completed, the process of the card company server 102 proceeds to step S514, and the card usage amount is calculated from the normal account of the card member. Request information to be transferred is generated and transmitted to the settlement server 104b.

  Next, the settlement server 104b updates the balance information in the customer information table based on the transfer request information received by the account transfer unit 104b, and performs a process of transferring the card usage amount from the card member account to another account (step S522). ). The settlement server 104b that has finished the account transfer notifies the card company server 102 to that effect from the notification unit 114b via the communication control unit 118b.

  When the card company server 102 receives the notification from the settlement server 104 or when the process of step S508 is completed, the card company server 102 proceeds to step S516, updates the balance table, and rewrites the balance information of the cardholder's reserved account. .

  Next, the card company server 102 gives the point information corresponding to the card member in the point information table in order to give the card member a point corresponding to the debit amount of the account transfer requested to the payment server 104a and / or the payment server 104b. Update (step S518).

Next, the point information table update process executed by the card company server 102 will be described with reference to FIG.
First, in step S602, it is determined whether or not bank A has made a fund transfer request for a dedicated account. This determination process is realized, for example, by defining a flag indicating whether or not request information for transferring the usage amount has been transmitted to the settlement server 104a from the reserve account. In this case, the card company server 102 turns on the flag when transmitting the request information, and refers to this flag in step S602. Then, the flag is turned off when the process of step S518 is completed.

  If it is determined in step S602 that an account transfer request for a dedicated account has been made, the process proceeds to step S604, where points based on the account transfer request for the dedicated account are higher than the points corresponding to the normal account transfer amount. Give.

  First, points corresponding to the transfer amount are acquired. Acquisition of points is realized by applying the transfer amount to a predetermined mathematical expression. In this case, a plurality of mathematical expressions may be prepared, and different mathematical expressions may be used according to the transfer amount. By such processing, for example, when the usage amount is high, it is possible to perform control such as increasing the ratio of giving points.

  Alternatively, the correspondence between the transfer amount and the points may be held as a table, and the points corresponding to the transfer amount may be extracted from this table.

  Then, the point information in the point information table is updated to add the acquired points to the points already owned by the card member.

  By such processing, preferential information in which the degree of preferential treatment according to the amount corresponding to the account transfer request from the dedicated account is set higher than the preferential degree according to the amount corresponding to the normal account transfer request is generated. be able to.

  If it is determined in step S602 that an account transfer request for a dedicated account has not been made, or if the process in step S604 is completed, the process proceeds to step S606, and a normal account account transfer request is made to bank B. Determine whether or not. This determination process is realized, for example, by defining a flag indicating whether or not request information for transferring the usage amount from a normal account is transmitted to the settlement server 104b. In this case, the card company server 102 turns on the flag when transmitting the request information, and refers to this flag in step S604. Then, the flag is turned off when the process of step S518 is completed.

  If it is determined in step S604 that an account transfer request for a normal account has been made, the process proceeds to step S608, and in order to give points based on the account transfer request for a normal account, a point corresponding to the transfer amount is obtained, and the card In order to add the acquired points to the points owned by the member, the point information in the point information table is updated.

Second Embodiment
In the embodiment described above, the card company server 102 refers to the balance table in step S504 in FIG. 5 to determine whether or not there is a balance in the reserved account for the card member. In the present embodiment, in step S504, it is further determined whether or not the balance of the reserve account is equal to or greater than a predetermined amount. Then, when it is determined that the balance of the reserve account is less than the predetermined amount, request information for transferring the card usage amount is transmitted to the settlement server 104a.

  Here, the determination as to whether the balance of the funding account is equal to or greater than a predetermined amount can be made based on the funding period. In this case, the card company server 102 stores the reserve amount and the reserve count for each card member, and obtains a balance by multiplying the reserve amount and the reserve count. Alternatively, it is possible to define a flag indicating that the balance of the reserve account is equal to or more than a predetermined amount, turn on / off the flag when updating the balance table, and refer to this flag in step S504.

  It is also possible to deposit the specified amount in a lump and use it for card payment after a certain period of time when it cannot be used. Specifically, instead of saving 10,000 yen x 12 times a month, 120,000 yen will be deposited in a lump, and the reserve can be used after 12 months. Here, whether or not the card member has deposited the specified amount in a lump can be determined by referring to the balance table in the card company server 102 and referring to the deposit amount of the reserve account. Whether or not a certain period has elapsed can be determined from a period that has elapsed since the date on which the cardholder deposited the specified amount in a lump.

<Third Embodiment>
In the above-described embodiment, when the balance of the reserve account is smaller than the card usage amount, the request information for transferring the amount of the balance of the reserve account is transmitted to the settlement server 104a. Depending on the situation, the card usage amount may be deducted from the reserve account and the normal account, resulting in two details, which may be complicated in accounting.

  In the present embodiment, a part of the card usage amount within a predetermined period stored in the sales information table is totaled so as not to exceed the balance of the accumulation dedicated account. Then, the request information for transferring the total amount from the accumulation-dedicated account is transmitted to the settlement server 104a. In this case, request information for transferring the difference between the total amount and the card usage amount from a normal account is requested to the settlement server 104b.

  Also by such a method, the request information for transferring the card member's card usage amount within the range of the balance of the reserve account is transmitted to the first settlement server, and the card usage amount is equal to or more than the balance of the reserve account. In this case, a process of transmitting request information for transferring the remaining card usage amount to the second settlement server is realized.

<Other embodiments>
In the above-described embodiment, the case where a customer opens a normal account and a reserve-only account in different banks has been described, but these accounts may be opened in one bank. In this case, the functions of the settlement servers 104a and 104b described above are realized in the settlement server of one bank.

  In the above-described embodiment, card payment using a credit terminal has been described. However, the present invention can also be applied to payment using the Internet. Even in this case, the processing related to the transfer request is the same as that shown in FIGS.

  In addition, the processing when the card member cancels the settlement using the accumulation-dedicated account can also be performed using the network system described above. In this case, the card company server 102 may transmit request information instructing the settlement server 104a to transfer the amount of the balance of the accumulation-dedicated account to the card member's normal withdrawal account established in the bank B. .

  Moreover, although the above-mentioned embodiment gave and demonstrated the example using the point as special treatment information, the special treatment with respect to a card member is not restricted to a point. For example, when cash back is adopted as a preferential treatment, the card company server 102 stores the member ID and the amount to be converted in association with each other, and updates this according to the fee, thereby realizing the processing of the present invention.

  The preferred embodiment of the present invention has been described above, but it goes without saying that the present invention is not limited to this embodiment and can be implemented in various other modes. However, as long as it is based on the technical idea described in the claims, the modifications are within the technical scope of the present invention.

It is a figure which shows the system configuration | structure of the network system which concerns on one Embodiment of this invention. It is a figure which shows an example of the table memorize | stored in the card company server. It is a figure which shows an example of the table memorize | stored in the payment server. It is a block diagram which shows the hardware constitutions of the computer system contained in the network system which concerns on one Embodiment of this invention. It is a figure which shows the flow of operation | movement of the card payment method which concerns on one Embodiment of this invention. It is a flowchart which shows the update process of the point information table which concerns on one Embodiment of this invention.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Network system 100 Network 102 Card company server 104a, 104b Payment server 106 Account transfer request part 107 Credit processing part 108 Point processing part 110 Storage part 112a, 112b Account transfer part 114a, 114b Notification part 116a, 116b Storage part 118a, 118b Communication Control unit 120 Communication control unit 122 Credit terminal 200 Computer system 202 CPU
204 ROM
206 RAM
208 HD drive 210 FD drive 212 System bus 214 Display 215 Keyboard 216 Mouse 218 Communication interface

Claims (15)

A card payment apparatus that performs information processing relating to a transaction using a cardholder card having a first account and a second account,
A transmission for transmitting request information for transferring the card usage amount of the card member within a range corresponding to the balance information of the first account to a first settlement server that manages the balance information of the first account. If the card usage amount is equal to or greater than the amount corresponding to the balance information of the first account, the card usage amount is sent to a second settlement server that manages the balance information of the second account. Transmitting means for transmitting second request information for transferring the balance of the second account from the second account;
Preferential information corresponding to preferential treatment different in the amount corresponding to the first request information and the amount corresponding to the second request information, generating means for generating preferential information according to the card usage amount A card settlement apparatus comprising: generating means for generating the card. The apparatus further comprises storage means for storing balance information of the first account, and the transmission means includes:
Determining means for determining whether the amount corresponding to the balance information stored in the storage means is equal to or greater than the card usage amount;
When the determination means determines that the amount corresponding to the balance information stored in the storage means is less than the card usage amount,
Means for transmitting, to the first settlement server, first request information for transferring an amount of the balance of the first account;
2. Means for transmitting to the second settlement server second request information for transferring a difference between the card usage amount and the balance of the first account. The card payment device described.   The determination means further determines whether the amount corresponding to the balance information of the first account is greater than or equal to a predetermined amount, and the transmission means determines that the amount corresponding to the balance information of the first account is a predetermined amount. 3. The apparatus according to claim 2, further comprising means for transmitting third request information for transferring the card usage amount to the second settlement server when it is determined that the amount is less than the amount. The card payment device described. A card payment apparatus that performs information processing relating to a transaction using a cardholder card having a first account and a second account,
A first request to transfer a card usage amount of the card member within a range corresponding to the balance information of the first account to a settlement server that manages balance information of the first account and the second account. Transmitting information, and transmitting the second request information for transferring the remaining amount of the card usage amount from the second account if the card usage amount is equal to or greater than the amount corresponding to the balance information of the first account Means,
Preferential information corresponding to preferential treatment different in the amount corresponding to the first request information and the amount corresponding to the second request information, generating means for generating preferential information according to the card usage amount A card settlement apparatus comprising: generating means for generating the card. The apparatus further comprises storage means for storing balance information of the first account, and the transmission means includes:
Determining means for determining whether the amount corresponding to the balance information stored in the storage means is equal to or greater than the card usage amount;
When the determination means determines that the amount corresponding to the balance information stored in the storage means is less than the card usage amount, the amount for the balance of the first account is transferred to the settlement server. 5. The information processing apparatus according to claim 4, further comprising: means for transmitting one request information and second request information for transferring a difference between the card usage amount and a balance amount of the first account. Card payment device.   The determination means further determines whether the amount corresponding to the balance information of the first account is greater than or equal to a predetermined amount, and the transmission means determines that the amount corresponding to the balance information of the first account is a predetermined amount. The apparatus further comprises means for transmitting third request information for transferring the card usage amount from the second account to the settlement server when it is determined that the amount is less than the amount. Item 6. A card settlement apparatus according to item 5.   The generation means generates the preferential information in which the degree of preferential treatment according to the amount corresponding to the first request information is set higher than the preferential amount according to the amount corresponding to the second request information. The card settlement apparatus according to claim 1, wherein the card settlement apparatus is a card settlement apparatus. A card payment method executed by a computer that performs information processing relating to a transaction using a cardholder card having a first account and a second account,
Transmission for transmitting request information for transferring the card usage amount of the card member within a range corresponding to the balance information of the first account to a first settlement server that manages the balance information of the first account. If the card usage amount is equal to or greater than the amount corresponding to the balance information of the first account, the card usage amount is sent to a second settlement server that manages the balance information of the second account. Transmitting a second request information for transferring the remaining amount of the second account from the second account;
The generating step of generating preferential information according to the card usage amount, and preferential information corresponding to different preferential treatments for an amount corresponding to the first request information and an amount corresponding to the second request information A card payment method, comprising: a generating step for generating. The computer stores balance information of the first account, and the transmitting step includes:
A determination step of determining whether an amount corresponding to the stored balance information is greater than or equal to the card usage amount;
If the determination means determines that the amount corresponding to the stored balance information is less than the card usage amount,
Transmitting first request information for transferring an amount of balance of the first account to the first settlement server;
9. The method according to claim 8, further comprising: transmitting second request information for transferring a difference between the card usage amount and the amount of the balance of the first account to the second settlement server. The card payment method described.   The determining step further determines whether the amount corresponding to the balance information of the first account is greater than or equal to a predetermined amount, and the transmitting step includes determining whether the amount corresponding to the balance information of the first account is a predetermined amount 10. The method according to claim 9, further comprising a step of transmitting third request information for transferring the card usage amount to the second settlement server when it is determined in the determination step that the amount is less than the amount. The card payment method described. A card payment method executed by a computer that performs information processing relating to a transaction using a cardholder card having a first account and a second account,
A first request to transfer a card usage amount of the card member within a range corresponding to the balance information of the first account to a settlement server that manages balance information of the first account and the second account. Transmitting information, and transmitting the second request information for transferring the remaining amount of the card usage amount from the second account if the card usage amount is equal to or greater than the amount corresponding to the balance information of the first account Steps,
The generating step of generating preferential information according to the card usage amount, and preferential information corresponding to different preferential treatments for an amount corresponding to the first request information and an amount corresponding to the second request information A card payment method, comprising: a generating step for generating. The computer stores balance information of the first account, and the transmitting step includes:
A determination step of determining whether an amount corresponding to the stored balance information is equal to or greater than the card usage amount;
A first request to transfer the amount of the balance of the first account to the settlement server when it is determined in the determining step that the amount corresponding to the stored balance information is less than the card usage amount The card settlement method according to claim 11, further comprising: transmitting information and second request information for transferring a difference between the card usage amount and the balance of the first account. .   The determining step further determines whether the amount corresponding to the balance information of the first account is greater than or equal to a predetermined amount, and the transmitting step includes determining whether the amount corresponding to the balance information of the first account is a predetermined amount The method further comprises a step of transmitting, to the settlement server, third request information for transferring the card usage amount from the second account when it is determined that the amount is less than the amount. Item 13. The card payment method according to Item 12.   The generating step generates the preferential information in which the degree of preferential treatment according to the amount corresponding to the first request information is set higher than the preferential amount according to the amount corresponding to the second request information. The card settlement method according to claim 8, wherein the card settlement method is a card settlement method. A computer program for causing a computer to function as the card settlement apparatus according to claim 1.

Images