JP2012168782A - Card use amount common management device, management terminal for card company, and credit card use amount common management system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a card use amount common management device capable of preventing a credit card from being used in excess of a planned amount by, when a plurality of credit cards are used, preliminarily setting budget amount for the respective credit cards or managing a total use amount of the plurality of the credit card.SOLUTION: A card use amount common management device comprises: an allowable card use amount calculation section which calculates an allowable use amount for each of a plurality of credit cards based on a total budget amount input by a user as well as an allocation rate for each of the plurality of credit cards also input by the user; an alarm necessity determination section which determines whether or not an accumulated use amount charged on each of the credit card exceeds the corresponding allowable use amount; and an alarm notification section which notifies the user of an alarm when the alarm necessity determination section determines that the accumulated use amount of any of the credit cards exceeds the corresponding allowable use amount.

Description

  The present invention relates to a common card usage fee management apparatus, a card company management terminal, and a common credit card usage fee management system for managing the usage amount of a plurality of credit cards.

  In recent years, credit cards have become widespread, and many users have two or more credit cards alone. When purchasing a product using a credit card, the credit card company once pays the card member store by presenting the credit card instead of cash payment when the product is purchased at an available card member store. Take over.

  At a later date, for example, the credit card company charges the card user for a card payment usage fee for a certain period such as one month, and the user pays the credit card company.

  Such usage status of the credit card can be grasped by the user checking a statement sent monthly from the credit card company, a web page provided by the card company, or the like. Alternatively, if the user is a diligent user, it is possible to keep track of receipts of card payments and keep track of them by calculating the total amount.

  In Patent Document 1 below, an information management device installed in a store creates an electronic receipt based on credit usage information including usage fees, products, dates, stores, and the like, and transmits the electronic receipt to the user's mobile terminal. A method is disclosed.

  However, Cited Document 1 discloses that the usage fee information of the corresponding month using an electronic receipt etc. is used for managing the usage fee of the credit card by making a household account book. It is a technical idea that assumes only the management of the above, and does not disclose how to grasp and manage the usage situation when one user uses a plurality of credit cards.

JP 2001-283333 A

  By having a plurality of cards in one user, the total apparent card usage frame increases regardless of the payment ability of the user. In addition, due to the nature of postpay, users make a credit card contract or use that exceeds their payment capability, and there is a concern that the payment will put pressure on the user's life if charged and executed at a later date. obtain.

  In addition, as the number of credit cards held by the user increases, the concerns at the time of payment and after payment increase as described above, and it becomes more difficult to grasp and manage the usage status of these multiple credit cards. Become.

  The present invention has been made in view of the above problems, and even when a plurality of credit cards are used, a budget amount is set for each of the plurality of credit cards, or a plurality of credit cards are used. An object is to provide a common card usage charge management device and the like that can prevent the use beyond the planned amount by managing the total usage charge.

  The common card usage charge management apparatus of the present invention is a card usage charge common management apparatus that centrally manages the usage charges of a plurality of credit cards used by the same user, and the usage received from the credit card company management terminal. A user registration information database for storing user registration information, a card usage amount information database for storing card usage amount information received from a card company management terminal, a total budget amount input by a user, and a plurality of credit card Based on the distribution rate input by the user for each, a card usable amount calculation unit for calculating the usable amount for each of a plurality of credit cards, and card usage amount information stored in the card usage amount information database Based on the credit card's cumulative usage fee for each credit card When the warning availability determination unit that determines whether the amount exceeds the amount and the warning availability determination unit determine that the accumulated usage fee of any credit card exceeds the corresponding available amount, And an alarm notification unit for notifying the alarm.

The card usage charge common management device of the present invention preferably includes a budget management table creating unit that creates a budget management table indicating the total budget amount and the available amount for each of a plurality of credit cards. And
In the card usage charge common management apparatus according to the present invention, more preferably, the budget management table creation unit creates a budget management table so as to correspond to each of a plurality of consecutive terms with a predetermined period as one term. Features.

  In the card usage charge common management apparatus according to the present invention, more preferably, the card usage amount calculation unit subtracts the card usage amount from the total budget amount based on the card usage amount information received from the card company management terminal. The total usable amount is calculated, and the total usable amount is allocated based on the distribution ratio to calculate the usable amount for each of a plurality of credit cards.

  The card usage charge common management device of the present invention preferably further includes a budget management table creation unit that creates a budget management table indicating the total available amount and the available amount for each of a plurality of credit cards. It is characterized by.

  In the card usage charge common management apparatus of the present invention, it is more preferable that the alarm notification unit notifies the user of the budget management table created by the budget management table creation unit.

  In the card usage charge common management apparatus according to the present invention, it is more preferable that the total budget amount input by the user is an arbitrary value smaller than a card usable limit set by each card company of the credit card. Features.

  In the card usage charge common management apparatus of the present invention, it is more preferable that the alarm notification unit notifies the user's information terminal of an alarm.

  Moreover, the card usage charge common management apparatus of the present invention more preferably determines whether or not the credit card usage amount exceeds the total budget amount based on the card usage amount information received from the card company management terminal. Card usage that sends a credit card usage stop request to the corresponding card company management terminal when the usage suspension availability determination unit and the usage suspension availability determination unit determine that the usage amount exceeds the total budget amount And a stop requesting unit.

  Moreover, the card usage charge common management apparatus of the present invention more preferably, based on the card usage amount information received from the card company management terminal, whether the usage amount of the credit card exceeds the available amount corresponding to the credit card If the usage suspension availability determination unit and the usage suspension availability determination unit determine whether or not the usage amount exceeds the usage amount corresponding to the credit card, the credit card management terminal is credited. A card use stop requesting unit that transmits a card use stop request.

  The card company management terminal of the present invention is a card company management terminal connected to the card usage charge common management device according to any one of the above by a communication network, and the store terminal of the card subscriber via the communication network A receiver that receives the card payment information used by the credit card user at the store of the card subscriber from the store terminal, a customer registration information database that stores user registration information about the user, A card payment information database for storing the received card payment information, and a transmission unit for transmitting the card payment information to the card usage charge common management device.

  Also, the card company management terminal of the present invention is preferably characterized in that the credit card is suspended when a card usage suspension request is received from the card usage charge common management device.

  A common credit card usage fee management system according to the present invention includes the card usage fee common management device described above and the card company management terminal described above.

  Even if you use multiple credit cards, you can set a budget amount for each of the multiple credit cards in advance and manage the total usage fee for multiple credit cards to exceed the planned amount It is possible to provide a common card usage fee management device and the like that can prevent the problem.

It is a block diagram which shows simply the structure outline | summary of a credit card use charge common management system. It is a block diagram explaining the structure outline | summary of a credit card use charge common management system provided with the card use charge common management apparatus and card company management terminal of this embodiment. It is a block diagram explaining the credit card use charge common management system which added the function which stops a user's said card use with respect to the credit card use charge common management system of this embodiment. It is a flowchart explaining an outline | summary about an example of operation | movement of a credit card use charge common management system. It is a conceptual diagram explaining an example of the input screen which a user sets to a total budget amount, the allocation rate to each card | curd, and a card usage charge common management apparatus using own user information terminal. It is a figure which shows the example of a screen for September immediately after a user shopping by the card settlement of 53,000 yen using the card of A card company. After a user makes a purchase with a card settlement of 53,000 yen using a card of the A card company, the used amount is subtracted from the total budget amount, and the total available amount which is the remaining budget (available in FIG. 7) FIG. 6 is a diagram for explaining an example of a screen for September in which a total of 47,000 yen is shown as (amount of money) and the 47,000 yen is redistributed to each card according to a distribution rate. It is a figure explaining the example of application to the budget management table | surface for every month when shopping for 30,000 yen by card payment by lump sum payment in September. It is a figure explaining an example of the budget management table | surface when the total budget amount for September is initially set to a user as 100,000 yen. It is a figure explaining an example of the budget management table immediately after 53,000 yen was recorded as a use performance amount after the total budget amount for September was initially set to 100,000 yen as a user. A budget management table in which the total budget amount for September is initially set at 100,000 yen for the user, then 53,000 yen is recorded as the actual usage amount, and the remaining budget of 47,000 yen is allocated to each card. It is a figure explaining an example. This is an example of data stored in the budget management table database. The budget management in which the card usage information of 27,000 yen used in September is reflected in the bill for October (October 1st to 31st) It is a figure explaining a table | surface. It is an example of data stored in the budget management table database, and the card usage amount used in August is the budget target period from September 1 to 30 (September in A card company is September. The figure explaining that the amount used for the card used on September 1 is not reflected on the budget management table for September, while it is reflected on the budget management table for September as being settled on the 25th) It is. An example of data stored in the budget management table database, which is reflected in the budget management table when using a card of 30,000 yen that is divided into two payments in October and November will be described. FIG. It is an example of data stored in a budget management table database, and is a diagram for explaining an example of reflection in a budget management table when a 30,000 yen card is used for a bonus payment in January. It is a data example stored in a budget management table database, and is a diagram for explaining an example of reflection to a budget management table when a plurality of cards are used as installments.

  The card usage fee common management device described in the present embodiment includes a store terminal, a card company management terminal managed by a credit card company, and a card usage fee management device that centrally manages payment information from a plurality of credit card companies. It consists of.

  The common card usage charge management device is connected to a card company management terminal via a communication network such as the Internet or a telephone line. In addition, the card usage fee management device stores a user registration information database that stores data received from the card company management terminal and information received from the card company management terminal. And a card usage amount database to be stored.

  In addition, the common card usage charge management device uses each budget from a budget creation management table creation unit that creates a budget management table for managing the total budget amount of a plurality of cards, and the total budget amount and distribution rate input by the user. A card usable amount calculating unit for calculating a usable amount of the card.

  Also, a warning availability determination unit that determines whether the credit card usage fee exceeds the set usable amount, and an alarm notification to the user when the credit card usage fee exceeds the set usable amount An alarm notification unit.

  Also, the card company management terminal is connected to the store terminal and the card usage fee management device via the network, and the customer registration information database for storing information related to the credit card user information and the settlement used by the credit card user at the store A card payment information database for storing charge information, a receiving unit for receiving card payment information from a store terminal, a transmission unit for transmitting card fee detailed information to a card usage charge common management device, and the like.

  Credit usage fee information received from each card company management terminal is accumulated in the database in the common card usage fee management device, a budget management table is created, a total budget for multiple credit cards is set, and a predetermined amount is set. When it exceeds the limit, the user can be notified of the alarm and the card usage exceeding the predetermined budget amount can be suppressed.

  The user sets a total budget amount for a plurality of credit cards in advance within the range of his / her payment ability without being restricted by the contract limit prescribed by the card company. That is, the user decides the limit amount for the sum of the credit card usage charges.

  Then, the user sets a distribution rate for calculating the amount of money that can be used for each credit card for each credit card. Then, based on the distribution rate with respect to the total budget amount set by the user, the amount that can be used for each credit card is calculated for each credit card.

  In this way, the usable amount of each credit card is calculated based on the total budget amount set by the user, and a budget management table reflecting this is created and stored in the budget creation DB. By creating the above budget management table every month (for 12 months in a year) and providing feedback to the user as needed, the user can use the individual usage amount and total usage amount of each credit card or the next time It is possible to grasp the total billing amount, etc. at any time.

  FIG. 1 is a block diagram schematically showing a configuration outline of a common credit card usage charge management system 1000. As shown in FIG. 1, the credit card usage charge common management system 1000 includes a card usage charge common management apparatus 100, an A card company management terminal 200 (1), a B card company management terminal 200 (2), and a C card company management. In addition to a plurality of card company management terminals 200 such as the terminal 200 (3), a plurality of member stores 300 contracted with each card company and a common credit card usage charge management system 1000 are connected via a communication network. ing.

  Here, it can be understood that the credit card use charge common management system 1000 includes a member store terminal installed in the member store 300, but the card use charge common management device 100 is connected to the member store 300. It is not necessary to link directly with the network, and it is sufficient if it is connected to the card company management terminal 200 and can receive card use settlement information. Therefore, in the present embodiment, the configuration will be described assuming that the credit card usage charge common management system 1000 does not include a member store terminal installed in the member store 300.

  FIG. 2 is a block diagram illustrating an outline of the configuration of a common credit card usage charge management system 1000 including the card usage charge common management apparatus 100 and the card company management terminal 200 according to the present embodiment.

  In FIG. 2, the common card usage charge management apparatus 100 includes a receiving unit 150 to which input from a user and information from an external apparatus such as the card company management terminal 200 are input, and a distribution rate and total budget input from the user. A card usable amount calculation unit 102 that calculates a card usable amount for each card based on the amount and the like is provided.

  Further, the card usage charge common management apparatus 100 is based on the card usable amount and the total usable amount for each card calculated by the card usable amount calculating unit 102, and the total budget amount initially set by the user, A budget management table creation unit 160 that creates a budget management table is provided.

  Further, the card usage charge common management apparatus 100 determines whether or not the card usage amount of the user received from the card company management terminal 200 exceeds the usage amount allocated to the corresponding card. And an alarm notification unit 190 that notifies the user when the warning availability determination unit 170 determines that the user's card usage amount exceeds the available amount allocated to the corresponding card.

  The alarm notification unit 190 transmits an attached file and a reference confirmation address to the user information terminal 400 such as a mobile phone or a personal computer of the user via the transmission unit 180, so that the budget management table creation unit 160 The created budget management table may be presented to the user. The user information terminal 400 may receive an alarm notification from the card usage charge common management apparatus 100 via the receiving unit 430 and display a warning screen or a budget management table on the screen display unit 410. Such an operation of the user information terminal 400 is controlled by the control unit 420.

  The card usage charge common management apparatus 100 includes a budget management table database (referred to as “budget management table DB” as appropriate) 130 that stores the budget management table created by the budget management table creation unit 160, and the card company management terminal 200. A user registration information database (referred to as “user registration information DB” as appropriate) 110 that stores customer registration information relating to the received user, and payment information regarding the card usage of the user received from the card company management terminal 200 are stored. A card usage amount database (referred to as “card usage amount DB” as appropriate) 120. The operation and processing of the card usage charge common management apparatus 100 are appropriately and comprehensively controlled by the control unit 140 as a whole.

  Further, the card company management terminal 200 is an apparatus for managing the reimbursement payment by card settlement, the card usage status, and the like by each card issuing company owned by the user. The card company management terminal 200 is a customer registration information database (referred to as “customer registration information DB” as appropriate) 240 that records customer information including personal information such as information for verifying the identity of the user and a billing address. Is provided.

  Further, the card company management terminal 200 includes a card payment information database 230 that records payment information corresponding to the card usage of the user received from the member store terminal 300 disposed at the member store that is affiliated with the card company.

  The card company management terminal 200 includes a reception unit 210 and a transmission unit 220 that communicate with an external device such as the member store terminal 300 and the common card usage charge management device 100 via a communication network such as the Internet, and the card company management terminal 200. And a control unit 250 that comprehensively controls the operations and processes.

  FIG. 3 illustrates a common credit card usage charge management system 3000 in which a function for stopping a user's use of the card is added to the common credit card usage charge management system 1000 of the present embodiment described in FIG. FIG.

  In FIG. 3, a card usage charge common management apparatus 3100 includes a receiving unit 3150 for inputting information from a user and information from an external apparatus such as a card company management terminal 3200, and a distribution rate and total budget input by the user. A card usable amount calculation unit 3102 that calculates a card usable amount for each card based on the amount and the like is provided.

  Further, the common card usage charge management device 3100 is based on the card usable amount and the total usable amount for each card calculated by the card usable amount calculating unit 3102 and the total budget amount initially set by the user. A budget management table creation unit 3160 is provided for creating a budget management table.

  Further, the common card usage charge management device 3100 determines whether or not the user's card usage amount received from the card company management terminal 3200 exceeds the available amount allocated to the corresponding card. And an alarm notification unit 3190 for notifying the user when the warning availability determination unit 3170 determines that the user's card usage amount exceeds the available amount allocated to the corresponding card.

  The alarm notification unit 3190 transmits an attached file and a reference confirmation address to the user information terminal 400 such as a mobile phone or a personal computer of the user via the transmission unit 3180 so that the budget management table creation unit 3160 The created budget management table may be presented to the user. The user information terminal 400 may receive an alarm notification from the card usage charge common management apparatus 3100 via the receiving unit 430 and display a warning screen or a budget management table on the screen display unit 410. Such an operation of the user information terminal 400 is controlled by the control unit 420.

  Further, the card usage charge common management apparatus 3100 includes a budget management table database (referred to as “budget management table DB” as appropriate) 3130 for storing the budget management table created by the budget management table creation unit 3160, and the card company management terminal 3200. A user registration information database (referred to as “user registration information DB” as appropriate) 3110 that stores customer registration information regarding the received user, and payment information regarding the card usage of the user received from the card company management terminal 3200 are stored. A card usage amount database (referred to as “card usage amount DB” as appropriate) 3120. The operation and processing of the card usage charge common management apparatus 3100 are appropriately and comprehensively controlled by the control unit 3140 as a whole.

  Also, the common card usage charge management apparatus 3100 includes a usage suspension permission determination unit 3101 that determines whether or not the amount of card payment by a user exceeds a predetermined amount, and a usage suspension permission determination unit 3101 that performs card payment by the user. A card usage stop request unit 3103 that requests the card company management terminal 3200 to stop using the card when it is determined that the amount exceeds the predetermined amount.

  The use suspension permission determination unit 3101 may determine that the use is stopped when the user's one-time card payment amount exceeds a predetermined amount, and the user's scheduled billing amount for a predetermined month exceeds the predetermined amount You may decide to stop using the service. In addition, the predetermined amount in this case may be a total budget amount initially set by the user, or may be an available amount allocated to each card, and may be updated as needed depending on the usage status thereafter. The total available amount may be the available amount allocated to each card based on the distribution rate.

  The user can determine his / her own payment ability and set an upper limit amount of billing amount charged at one time (for example, billing for one month) as a total budget amount. With this setting, even when multiple cards are held, it is possible to self-manage to avoid and reduce unexpected overuse that would cause the total usage amount of multiple credit cards to exceed the total budget amount. It becomes.

  The card company management terminal 3200 is a device for managing the reimbursement by card settlement, the card usage status, and the like by each card issuing company held by the user. The card company management terminal 3200 has a customer registration information database (referred to as “customer registration information DB” as appropriate) 3240 for recording customer information including personal information such as information for user identification and billing address. Is provided.

  In addition, the card company management terminal 3200 includes a card payment information database 3230 that records payment information corresponding to the card usage of the user received from the member store terminal 300 disposed at the member store affiliated with the card company.

  Also, the card company management terminal 3200 includes a reception unit 3210 and a transmission unit 3220 that communicate with external devices such as the member store terminal 300 and the common card usage charge management device 3100 via a communication network such as the Internet, and a card company management terminal 3200. And a control unit 3250 that comprehensively controls the operations and processes of the above.

  FIG. 4 is a flowchart for explaining an outline of an example of the operation of the common credit card usage charge management system 1000. When the user performs shopping by credit card settlement (step S410), credit purchase processing is performed through confirmation processing with a credit agency (not shown) at the member store terminal 300 (step S440), and the purchase is completed (step S440). S420).

  On the other hand, in the card company management terminal 200, a credit settlement process (step S450) is performed for billing the user at a later date and an alternative payment to the store (step S450). Information on the scheduled month and the like is transmitted to the card usage charge common management apparatus 100 (step S460).

  The card usage charge common management apparatus 100 receives the information regarding the amount used for credit settlement and the billing scheduled month transmitted from the card company management terminal 200 in step S460 (step S470), and the total set in advance by the user. In the budget management table created by the budget management table creation unit 160 based on the budget amount and the distribution rate, the budget management table creation unit 160 determines the application destination (for example, scheduled billing month) of the usage fee (step S480). Then, the usage amount data is added to the budget management table for the corresponding month and updated (step S490).

  Also, the warning availability determination unit 170 of the card usage charge common management apparatus 100 determines whether or not the cumulative amount of the month subjected to the addition processing exceeds the total budget amount (step S4a0). The alarm notification unit 190 notifies the user of an alarm (step S430). Further, the warning availability determination unit 170 of the card usage charge common management apparatus 100 determines whether or not the cumulative amount of the month subjected to the addition processing exceeds the total budget amount (step S4a0). Based on the budget allocation rate preset by the user, the remaining budget (that is, the total available amount for the month) is recalculated as a budget for each of the cards (step S4c0).

  The operation and processing of the card usage charge common management apparatus 100 described above is an example and is not limited to the above description. The card usage charge common management apparatus 100 may update the budget management table reflecting the budget for each of the plurality of cards that has been recalculated and present it to the user. Further, not only the alarm notification but also a part or all of a plurality of cards may be suspended when a payment exceeding a predetermined amount is made.

  FIG. 5 is a conceptual diagram for explaining an example of an input screen set in the card usage charge common management apparatus 100 by the user using his / her user information terminal 400 or the like, the total budget amount, the distribution ratio to each card, and the like. It is. In FIG. 5, since the user has set the total budget amount as 100,000 yen, the user may make an excessive use such that a single monthly charge may result in a charge exceeding 100,000 yen. It can be suppressed and avoided. By using the card usage charge common management device 100, the user does not have to calculate the usage status of a plurality of credit cards every month, and the payment capability set by the user by appropriate alarm notification, use stoppage, etc. Overuse can be avoided within the range.

  FIG. 6 is a diagram showing an example of a screen for September immediately after a user makes a purchase by card settlement of 53,000 yen using a card of an A card company. In FIG. 6, the actual usage amount of 53,000 yen is only input from the card management terminal 200, and the subtraction operation for the total budget amount has not yet been processed.

  FIG. 7 shows that after a user makes a purchase by card settlement of 53,000 yen using a card of an A card company, the used amount is subtracted from the total budget amount, and the total available amount which is the remaining budget (FIG. 7) 7 is a diagram illustrating an example of a screen for September in which a total of 47,000 yen is shown as the usable amount in FIG. 7 and the 47,000 yen is redistributed to each card according to the distribution rate.

  FIG. 8 is a diagram for explaining an example of application to a monthly budget management table when a purchase of 30,000 yen is made by card payment in a lump sum in September. As shown in FIG. 8, since the billing month of the amount for the card payment user who used the lump sum payment in September is October, the card usage fee for the total budget amount of 100,000 yen for October. The common management apparatus 100 performs a subtraction process for the settlement amount of 30,000 yen and notifies the user of the total available amount (remaining budget in FIG. 8) 70,000 yen.

  As a result, even when a user makes a purchase using a plurality of cards randomly at an arbitrary timing, the user can grasp the remaining budget frame that can be used for the budget frame set by the user at any time. .

  FIG. 9 is a diagram illustrating an example of a budget management table when the total budget amount for September is initially set to 100,000 yen for the user.

  For the total budget amount of 100,000 yen, No. 1234-5678-***, which is one of a plurality of credit cards owned by the user, is set by the user as a distribution rate of 50%. Therefore, the available amount is 50,000 yen, and No. 1234-5679-*** is a distribution rate of 10%, so the available amount is 10,000 yen, and No. 1234-5680-*** is Since the distribution rate is 30%, the usable amount is 30,000 yen, and No. 1234-5681-**** is the distribution rate is 10%, so the usage amount is 10,000 yen.

  In this way, the card usage charge common management apparatus 100 manages the budget by distributing the total budget amount as the usable amount for each card based on each budget allocation rate (distribution rate in FIG. 9) preset by the user. Create a table and notify the user.

(About renewal of usage charges)
The receiving unit 150 of the card usage charge common management apparatus 100 acquires credit card usage charge information from each card company management terminal 200 every time the credit card usage charge data is updated in each card company management terminal 200, and uses the card usage. The data is stored in the card usage amount database 120 in the common charge management apparatus 100, and the budget management table corresponding to the settlement month is updated as described with reference to FIG.

  When an arbitrary credit card is used and the actual usage amount is updated, the warning availability determination unit 170 determines whether or not the updated actual usage fee exceeds the available amount allocated in advance to each credit card. to decide.

  If the available amount is not exceeded, the total available amount calculated by subtracting the actual usage fee from the total budget amount is allocated based on the budget distribution ratio assigned to each credit card. A new usable amount for the credit card is calculated. Further, if the usable amount exceeds the total usable amount, the total usable amount may be redistributed only to other cards excluding the credit card exceeding the usable amount.

  FIG. 10 is a diagram for explaining an example of a budget management table immediately after 53,000 yen is recorded as the actual usage amount after the September total budget amount is initially set to 100,000 yen for the user. is there.

  In addition, in FIG. 11, after the total budget amount for September is initially set to 100,000 yen for the user, 53,000 yen is recorded as the actual usage amount, and the remaining budget of 47,000 yen is allocated to each card. It is a figure explaining an example of the made budget management table.

  If the updated accumulated usage fee (53,000 yen) exceeds the available amount (50,000 yen) allocated in advance to the card, the alarm notification unit will exceed the available amount. An alarm notification is transmitted to the user information terminal (such as a mobile phone) 400 of the user (FIG. 11).

  Further, when the card usage charge common management apparatus 3100 exceeds the usable amount, the card usage charge common management apparatus 3100 transmits a card stop command for the credit card to the card company terminal 3200, and the contract limit amount for the card is not exceeded. However, it may be disabled.

  When the updated accumulated usage fee exceeds the total budget amount, the usable amount (remaining budget) of each credit card is 0, and the card use stop request unit 3103 sends the credit card card to each card company terminal 3200. Request to stop the use and make the credit card related to the user unusable even if the contract limit set by the credit card company is not exceeded.

  When No. 1234-5678-*** is used in August, the actual usage amount is updated as a card settlement amount, for example, 70,000 yen. Further, since the settlement scheduled month in this case is September, the usage amount is added to the budget management table with reference to the budget management table for September.

  Also, since the actual usage amount is updated as 70,000 yen, it is determined whether or not it exceeds the preset usable amount (for example, 50,000 yen). Since the actual usage amount 70,000 yen exceeds the usable amount 50,000 yen, the card usage charge common management apparatus 3100 notifies the user of an alarm.

  Further, since the actual usage amount 70,000 yen does not exceed the total budget amount 100,000, the card usage charge common management device 3100 determines each balance of the balance 30,000 yen according to the distribution rate to each card. Redistribute to card. For example, if No. 1234-5678-**** has a distribution rate of 50%, the redistributable usable amount of the card is 15,000 yen. Also, the card usage charge common management apparatus 3100 performs redistribution processing in the same manner for other cards.

  In addition, the No. 1234-5678-*** card for September is allocated in September with the total budget amount of 100,000 yen input from the user in advance distributed at a distribution rate of 50% set in the card. The available amount of the card exceeds 50,000 yen. Therefore, the common card usage charge management apparatus 3100 transmits a credit card usage stop command No. 1234-5678-*** to the card company management terminal 3200, and the card usage stop in the card company management terminal 3200 is stopped. The setting unit 3260 may make the credit card No. 1234-5678-**** unavailable and make it impossible for the user to use it.

  FIG. 12 shows an example of data stored in the budget management table database. The card usage information of 27,000 yen used in September is charged for October (October 1st to 31st). It is a figure explaining the budget management table reflected in.

  FIG. 13 is an example of data stored in the budget management table database, and the card usage amount used during August is the budget target period from September 1 to 30 (September, A In the card company, it is reflected in the September budget management table as being settled on September 25), while the card usage amount used on September 1 is reflected in the September budget management table. It is a figure explaining what is not carried out.

  FIG. 14 is an example of data stored in the budget management table database. To the budget management table when using a card of 30,000 yen that is divided into two payments in October and November. It is a figure explaining the example of reflection of.

  FIG. 15 is an example of data stored in the budget management table database, and is an example of reflection in the budget management table when a 30,000 yen card is used as a one-time bonus payment in January. It is a figure explaining.

  FIG. 16 is a diagram for explaining an example of data stored in the budget management table database and reflected on the budget management table when a plurality of cards are used as installments.

  In addition, the payment date of the user is often different for each card company, and when the user has multiple credit cards, the user confirms the payment date of each credit card company in advance. Otherwise, there is a concern that the account will not have a balance and cannot be withdrawn.

  In this case, in order to know the total usage fee of multiple credit cards used by the user, refer to the billing statement for each card company sent monthly or the web page provided for each card company individually. Alternatively, it is necessary for the user himself / herself to make a total calculation by storing the receipt received when purchasing the product by himself / herself, and to calculate the total usage amount by himself / herself.

  As described above, when a user uses a plurality of cards, not only the use frequency of the cards tends to increase, but also the number of invoices increases, and the management of them becomes generally difficult. In order to avoid a situation in which a user uses a credit card in excess of the scheduled amount that can be paid as a single month, it is necessary to voluntarily calculate the total amount using the credit card as described above. However, it was time-consuming and very troublesome. The card usage charge common management devices 100 and 3100 described in the embodiment can solve such problems.

  Also, one reason for overusing credit cards is that users do not know how much they are using in the month. Each credit card has a contract limit (for example, 500,000 yen) set by a contract with a card company, which is a contractual limit that allows the user to use the credit card. In many cases, the contractual limit is roughly set for the sake of convenience, and is not a value that individually reflects the individual household or consumption orientation of the user.

  In addition, if you are a user who owns multiple credit cards, the contract limit amount that can be apparently used is increased by the number of cards you own, so the total contract limit amount will be Is far from the amount you can actually pay. For this reason, when a user possesses a plurality of credit cards, there is an increased concern that the user will use the card beyond the ability that the user can actually pay.

  According to the common card usage charge management devices 100 and 3100 described in the present embodiment, the usage amount of each credit card is collectively managed by the budget management table, and the individual user who is independent of the contract limit amount set by the credit card company. When the preset budget amount is exceeded, an alarm notification is sent to the user, so that the user can grasp the usage status of the credit card and prevent the usage exceeding the scheduled amount.

  In some cases, a user uses a credit card depending on the purpose of use. For example, even if a plurality of credit cards are used, such as a credit card for paying utility bills, a credit card for shopping, etc., the allowable amount of money used varies from card to card.

  Based on the purpose of use, frequency, etc., the user sets the distribution ratio of the total budget amount allocated to each card in advance, and calculates the budget allocated to each card, so that the budget amount corresponding to the actual usage of each card can be calculated. It becomes possible to distribute to each.

  For example, when it is desired to suppress the total payment amount to 100,000 yen, the total monthly budget amount is set to 100,000 yen. In addition, since the utility cost is usually settled within 20,000 yen / month, the allocation rate is 20% for the credit card for paying the utility cost, but for shopping, the budget is 80,000 yen / month. It is also possible to set a distribution rate of 80% for a credit card exclusively for shopping.

  Also, if a fixed budget amount is set for each card, and there is a card that was not used accidentally during the month, the fixed budget amount set for the card that was not used is , Will be left unused. By setting the distribution rate as in the present embodiment, the remaining budget that decreases according to use can be distributed to each card flexibly in accordance with the budget balance and the card usage status.

  Further, since the budget management table described in the embodiment is managed and updated every settlement month, the user can easily manage the monthly budget without being aware of the settlement date of the credit card, the payment method, and the like.

  The above-described common card usage charge management devices 100, 3100 and the like are not limited to the description in the embodiment, and are appropriately configured, operated, and processed within the scope of the technical idea described in the present embodiment and within the obvious range. Can be changed.

  The present invention can be applied to a management system that assists in the management of the card usage amount and the payment amount of a user who owns a plurality of credit cards.

  100..Card usage charge common management device, 102..Card usage amount calculation unit, 110..User registration information database, 120..Card usage amount database, 130..Budget management table database, 140..Control unit , 150 ··· Receiving unit, 160 ··· Budget management table creation unit, 170 ·· Warning availability determination unit, 180 ·· Transmission unit, 190 ·· Alarm notification unit, 200 ·· Card company management terminal, 300 ·· Members .

Claims (13)

In the card usage charge common management device that centrally manages the usage charges of multiple credit cards used by the same user,
A user registration information database for storing user registration information received from the credit card company management terminal;
A card usage amount information database for storing card usage amount information received from the card company management terminal;
A card that calculates an available amount for each of the plurality of credit cards based on a total budget amount input by the user and a distribution rate input by the user for each of the plurality of credit cards. Available amount calculation part,
Based on the card usage amount information stored in the card usage amount information database, a warning availability determination unit that determines whether each cumulative usage fee of the credit card exceeds the corresponding available amount,
An alarm notification unit for notifying the user of an alarm when the warning availability determination unit determines that the accumulated usage fee of any of the credit cards exceeds the corresponding available amount Card usage charge common management device characterized by that. In the card usage charge common management device according to claim 1,
A card usage charge common management apparatus, comprising: a budget management table creation unit that creates a budget management table indicating the total budget amount and the available amount for each of the plurality of credit cards. In the card usage charge common management device according to claim 2,
The card usage charge common management device, wherein the budget management table creation unit creates the budget management table so as to correspond to each of a plurality of consecutive terms with a predetermined period as one term. In the card usage charge common management apparatus according to any one of claims 1 to 3,
The card usable amount calculating unit calculates a total usable amount by subtracting the card used amount from the total budget amount based on the card used amount information received from the card company management terminal, and calculating the total amount A card usage charge common management apparatus characterized in that an available amount is allocated based on the distribution ratio to calculate an available amount for each of the plurality of credit cards. In the card usage charge common management device according to claim 4,
A card usage charge common management apparatus, comprising: a budget management table creating unit that creates a budget management table indicating the total available amount and the available amount for each of the plurality of credit cards. In the card usage charge common management device according to claim 2 or claim 5,
The card notification fee common management device, wherein the alarm notification unit notifies the user of the budget management table created by the budget management table creation unit. In the card usage charge common management apparatus according to any one of claims 1 to 6,
The card usage charge common management apparatus, wherein the total budget amount input from the user is an arbitrary value smaller than a card usable limit set by each card company of the credit card. In the card usage charge common management device according to any one of claims 1 to 7,
The card usage charge common management apparatus, wherein the alarm notification unit notifies an alarm to the information terminal of the user. In the card usage charge common management device according to any one of claims 1 to 8,
Based on the card usage amount information received from the card company management terminal, a usage suspension availability determination unit that determines whether the usage amount of the credit card exceeds the total budget amount,
A card usage stop request for transmitting a request to stop using the credit card to the corresponding card company management terminal when the usage stoppage determination unit determines that the usage amount exceeds the total budget amount And a card usage charge common management device. In the card usage charge common management device according to any one of claims 1 to 8,
Based on the card usage amount information received from the card company management terminal, a usage suspension availability determination unit that determines whether the usage amount of the credit card exceeds an available amount corresponding to the credit card;
When the use suspension permission determination unit determines that the use amount exceeds the use amount corresponding to the credit card, the credit card use stop request is transmitted to the corresponding card company management terminal. A card usage charge common management device, comprising: a card usage stop requesting unit. In the card company management terminal connected to the card usage charge common management device according to any one of claims 1 to 10 through a communication network,
While connected to the store terminal of the card subscriber via the communication network,
A receiving unit for receiving, from the store terminal, card payment information used by the user of the credit card at the store of the card subscriber;
A customer registration information database for storing user registration information related to the user;
A card payment information database for storing the received card payment information;
A card company management terminal comprising: a transmission unit that transmits the card payment information to the card usage charge common management device. In the card company management terminal according to claim 11,
The card company management terminal, wherein the credit card is suspended when a card usage suspension request is received from the card usage fee common management device. The card use charge common management device according to any one of claims 1 to 10,
A credit card usage charge common management system comprising: the card company management terminal according to claim 11.

Images