JP2016042235A - Settlement method and settlement system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a settlement method and a settlement system that use a credit card for which a prepaid frame can be set in accordance with a credit frame of the credit card.SOLUTION: A settlement method comprises: responding the reception of a payment advice generated for payment from a card member; generating a first authority telegraphic message in a first operation section including a credit card number of the card member, an affiliated store identifier, and a payment amount included in the payment advice; and receiving a second authority telegraphic message in a second operation section including the credit card number of the card member and the amount of a card transaction, on the basis of the card transaction of the card member. The amount of the card transaction exceeds a use limit amount set for the card member. Billing data for the card member is generated based on the first authority telegraphic message and the second authority telegraphic message. A billing amount included in the billing data is a money amount obtained after a money amount included in the first authority telegraphic message and the amount of the card transaction included in the second authority telegraphic message have been cleared.SELECTED DRAWING: Figure 6

Description

  The present invention relates to a payment method and a payment system executed by a computer that generates billing data for credit card payment. In more detail, by adding a function of a prepaid card to a credit card, a settlement method and a settlement of a credit card using a credit card that can additionally set a prepaid frame according to the credit card credit frame. About the system.

  Conventionally, a person who wishes to issue a credit card has performed a predetermined application procedure with a card company. The card company checks the credit status of the applicant based on internal information and external information, and grants credit (credit) and issues a card when it is judged that there is no problem in using the card company.

  In the case of a new application for a card, the credit status of the applicant is checked based on information such as the applicant's annual income, residence, work place, etc. Information center, Japan Credit Information Organization, etc.). As a result of this inquiry, if there is no negative information about the applicant (for example, payment terms or total amount change due to delinquency, commencement of bankruptcy proceedings, etc.), credit is provided according to the criteria specific to the credit card company, and the applicant's usage limit The amount (also referred to as “credit line”) is determined.

  Credit card companies should monitor card member attribute information (including change history), usage / repayment status, external credit information, etc. in detail even after the card is issued, to understand the risks and purchasing trends of each member. The member's usage limit is changed by. There is also a credit card that can set the range of the limit of use for each member store or member store industry (see Patent Document 1).

  In addition, when a credit card member plans to travel abroad or purchase a large amount of money, the credit card member can apply to the credit card company to temporarily increase the card usage limit in advance. In response to such an application, the credit card company can temporarily increase (for example, 500,000 yen) the credit limit of the card member (for example, usually 300,000 yen) for a predetermined period. .

  On the other hand, prepaid cards have been widely known. The prepaid card is a prepaid magnetic card, IC card, or the like, and a prepaid card that can be used for a predetermined amount or a prepaid card that can be used by adding a recurring fee is known.

JP 2008-165350 A (Patent No. 5026066)

  With a conventional credit card, it was possible to temporarily increase the card usage limit by applying for a card member. However, there is a need for some cardholders to pay with a credit card for purchases of products and services far exceeding the maximum usage limit.

  Some companies that provide products and services also wanted credit card payments to reduce the risk of money collection.

  For this reason, the conventional credit card settlement system cannot cope with such needs.

  The present invention has been made in view of such problems, and by using a prepaid card function for a credit card, settlement using a credit card that can set a prepaid frame in accordance with the credit card credit frame. It is an object to provide a method and a payment system.

  In order to solve the above-described problem, a computer for generating billing data for credit card payment, which is an aspect of the present invention, is communicably connected to a bank system and a member store terminal, and is executed by the computer. In the settlement method, in response to receiving the payment notice generated for the transfer from the card member from the bank system and receiving the payment notice, the first authorization message of the first business category is received. The first authorization message includes a credit card number and a merchant identifier associated with the card member, and an amount corresponding to the deposit amount included in the deposit notification; and Receiving a second authorization message of a second business division based on a card transaction of a card member from the member store terminal, The authorization message includes a credit card number associated with the card member and the amount of the card transaction, and the amount of the card transaction exceeds an amount of use limit set for the card member. Generating billing data for the card member based on the first authorization message and the second authorization message having a credit card number associated with the card member, the billing amount included in the billing data Is characterized in that the amount included in the first authorization message and the amount of the card transaction included in the second authorization message are settled amounts.

  According to the present invention, it is possible to provide a settlement method and a settlement system using a credit card that allows a prepaid frame to be set in accordance with the credit card credit frame by adding a prepaid card function to the credit card. The effect of becoming.

  According to the present invention, it becomes possible to use a credit card as a settlement means for merchandise / service transactions with an amount far exceeding the credit limit set by the credit card company, which can satisfy the needs of card members and businesses. it can.

A detailed understanding of the embodiments disclosed herein can be obtained from the following description, illustrated with reference to the accompanying drawings.
It is a figure which shows the outline | summary of the business relationship between a card company system, a member store terminal, a card member, and a bank system. It is a figure explaining the system configuration of a card company system. It is a figure explaining an example of the data item contained in member DB. It is a flowchart for performing card payment exceeding the use limit amount which can be increased temporarily. It is a functional block diagram of the card company system which concerns on this invention. An example of a usage statement screen that a card member can access and refer to the card company system is shown.

  In this specification, the term “authorized telegram” is used, but an authorized telegram is a message that is communicated between a terminal (card reading machine) installed in a member store and a card company system. A telegram related to card payment generated in the system. “Authorization” means authorization. For example, in an authorization message, a message for communicating whether or not payment using the card is permitted, a message for sales data for transactions using the card, and for canceling sales data for transactions using the card Of telegrams (for reasons such as returned goods), etc. The example given here is merely an example, and it goes without saying that data for other purposes is included.

  The authorization message includes a business category for indicating what kind of transaction the message is. For example, there is a business category indicating “sales”, a business category indicating “return / cancellation”, and the card company system can execute processing with reference to the value of the business category. Information such as which transaction the business classification indicates can be arbitrarily determined by the card company system, and is not limited by the example shown in this specification.

  Hereinafter, embodiments of the present invention will be described in detail. FIG. 1 is a diagram showing an outline of a business relationship among a card company system 10, a member store terminal 11, a card member 12, and a bank system 13 according to the present invention. It should be noted that in the present specification and drawings, for convenience of explanation, the card company system 10 may be described as the card company 10, the member store terminal 11 as the member store 11, and the bank system 13 as the bank 13.

  The card company system 10 can communicate with member store terminals 11 and card member 12 terminals (for example, personal computers, mobile phones, smartphones, etc.). The card company system 10 is a system that can execute various processes such as an authorization process, a settlement process, and credit management.

  The member store terminal 11 functions as a payment terminal capable of reading information on a credit card owned by the card member 12 and communicating with the card company system 10. The merchant terminal 11 has several types of terminals, for example, CAT (credit authorization terminal).

  The bank system 13 has a plurality of bank accounts in the name of the card company 10, and each of the bank accounts is associated with each of the card members 12 on a one-to-one basis. The card company system 10 stores association information between the card member 12 and the bank account in an internal member database (also referred to as “member DB”) 26. The member DB 26 will be described later with reference to FIG.

  The reference numerals shown in FIG. 1 indicate the order in which transactions and processing among the card company system 10, the member store terminal 11, the card member 12, and the bank system 13 are performed. As shown in FIG. 1, the card member 12 transfers money to the bank account assigned to himself / herself (1).

  The bank system 13 transmits the payment information (payment notification) for a plurality of bank accounts in the name of the card company 10 to the card company system 10 at a predetermined timing (2). The deposit information includes date information, account number, deposit amount, and transfer client information.

  In response to the receipt of the receipt information from the bank system 13, the card company system 10 generates an authorization message whose business category indicates “cancel / return” based on the receipt information, and generates the authorization message in the authorization message database ( (Authorization message DB) 28. The business classification of authorization messages is as described above. More specifically, the card company system 10 accesses the member DB 26 using the account number included in the deposit information as a key, and acquires the credit card number 302 and the member store ID 306 of the target card member 12. The card company system 10 uses the date information and deposit amount included in the deposit information, the acquired credit card number 302, and the member store ID 306 to generate an authorization message indicating that the business category is “cancel / return”. The business category of the authorization message is a category indicating the actual state of the transaction, and includes “sales”, “pre-approval (credit)”, etc. in addition to “cancellation / return”.

  The card member 12 purchases a product from the member store 11 and / or uses a credit card as a settlement means when receiving service provision (3).

  The member store terminal 11 transmits an authorization message corresponding to the contents of the product / service provided to the card company system 10, and the card company system 10 checks the card expiration date based on the member information stored in the member DB 26. , Security code check, use limit check (that is, check whether the total amount of card use in a predetermined period is less than the use limit) or the like, and approve / non-approval of the card transaction to the member store terminal 11 It communicates with (4). When the transaction is approved by the authorization process (also simply referred to as “authorization”), the transaction of goods / services between the card member 12 and the member store 11 is established.

  The member store terminal 11 transmits sales data (sales slip) corresponding to the contents of the goods / services to the card company system 10 (5), and receives payment of the sales price on a predetermined date (6). This sales data (sales slip) is an authorization message whose business classification indicates “sales”.

  The card company system 10 charges the usage fee based on the card usage record of the card member 12 when a predetermined date arrives (7), and payment (account transfer) from the card member 12 to the card company 10 when the predetermined date is reached. Is performed by the bank specified in the card contract (8).

  FIG. 2 is a diagram for explaining the system configuration of the card company system 10 according to the present invention. The card company system 10 includes a control unit 21, a main storage unit 22, an auxiliary storage unit 23, an interface (IF) unit 24, an output unit 25, a member DB 26, a member store DB 27, An authorization message DB 28 is provided. In FIG. 2, only one control unit 21, main storage unit 22, and auxiliary storage unit 23 are shown. However, by using a plurality of them, it is also possible to realize parallel distributed processing. It is.

  The control unit 21 is also called a central processing unit (CPU), controls each component in the card company system 10 and calculates data, and stores various programs stored in the auxiliary storage unit 23 into the main storage unit. Read to 22 and execute. The main storage unit 22 is also called a main memory, and stores various received data, computer-executable instructions, data after arithmetic processing by the instructions, and the like. The auxiliary storage unit 23 is a storage device represented by a hard disk (HDD) or the like, and is used when data and programs are stored for a long time.

  The interface (IF) unit 24 serves as an interface for transmitting and receiving data to and from other systems and devices, and is an interface for receiving various commands and input data (such as various masters and tables) from the system operator. provide. The output unit 25 provides a display screen for displaying the processed data.

  The member DB 26 is a database that stores information about the card member 12. FIG. 3 illustrates one embodiment of the member DB 26, but the data items included in the member DB 26 are not limited to the data items shown in FIG.

  As shown in FIG. 3, the member DB 26 includes a member ID 301, a credit card number 302, an expiration date 303, attribute information 304, an account number 305, a member store ID 306, a usage limit (normal) 307, a usage limit (temporary) 308. , Limit change period 309 and deposit 310 are included.

  The member ID 301 is an identifier for identifying the card member 12. The credit card number 302 is a credit card number owned by the card member 12. Since one card member may own a plurality of credit cards, there may be a plurality of records of data for one member ID 301. The expiration date 303 indicates an expiration date in which the credit card can be used.

  The attribute information 304 includes information such as a card member's name, address, and annual income. The account number 305 indicates a predetermined bank account number assigned to the card member 12. The card company 10 opens these bank accounts and assigns a bank account number to each card member 12 based on a contract with the card member. Since the information of the assigned bank account is notified to each card member, each card member 12 can make a transfer to the bank account indicated by the account number 305.

  The member store ID 306 indicates a member store ID assigned to the card member, and the member store ID is stored in the member store DB 27. In the conventional credit card company system, the card member system and the system for managing the member store system and the database (DB) are different, so the member ID is given to the card member as in the present invention. Then, the authorization telegram has not been received or generated from the card member given the member store ID or in response to the act from the card member. As will be described later, in the present invention, an authorization message with the business category “cancel / return” is generated based on the transfer of the card member 12, but the authorization message with “cancel / return” is the information of the “member store”. As shown, the member store ID assigned to the card member 12 is included. In the present invention, by using the member store ID assigned to the card member 12, the deposit from the card member 12 is clearly indicated.

  A usage limit (normal) 307 indicates a credit card settlement usage limit for the card member 12 at a normal time, and a usage limit (temporary) 308 is a temporary value set according to an application from the card member 12. Indicates the credit card payment limit. As will be described herein, the limits of the limit amount (normal) 307 and limit amount (temporary) 308 itself are not changed by the processing of the present invention. The limit change period 309 indicates a period during which the usage limit (temporary) 308 is applied.

  The deposit 310 indicates the amount of transfer made by the card member 12 to the bank account indicated by the account number 305, and the amount information is written when the above-described “cancel / return” authorization telegram is generated. . Further, when the card company system 10 makes a charge request to the card member 12, the authorization message “cancel / return” is cleared (offset) with another authorization message (for example, the authorization message “sales”). In this case, the amount after settlement is written in deposit 310.

  Referring to FIG. 2 again, the member store DB 27 stores information on member stores that can communicate with the card company system 10 and the authorization telegram (including the above-mentioned “sales data”), and member stores assigned to the card member 12. Store information. The member store DB 27 stores a member store ID, which is an identifier for identifying the member store, a member store name, an address, and information necessary for transactions.

  The authorization message DB 28 is a database that stores authorization messages (including the above-mentioned “sales data”) communicated between the card company system 10 and the member store terminal 11.

  FIG. 4 is a flowchart for making a card payment exceeding the limit of use that can be temporarily increased. In this embodiment, when a certain cardholder 12 (normal usage limit: 1 million yen, temporary usage limit: 10 million yen) purchases a machine tool of 49 million yen, a settlement is made with a credit card. Will be explained. In this case, the machine tool cost of 49 million yen exceeds the temporary limit of 10 million yen, so 40 million yen is transferred to the bank account allocated in advance by the card company 10. The transferred 40 million yen is recorded in the deposit 310 of the member DB 26 and managed as a deposit.

  In S401, the card member 12 transfers 40 million yen to the bank account assigned by the card company system 10. The bank system 13 has a plurality of bank accounts in the name of the card company 10 that are associated one-to-one with each of the card members 12. Information on the bank account number assigned to the card member 12 is stored in the account number 306 of the member DB 26. The method of making a transfer to the bank account assigned to the card member 12 may be any of a transfer using ATM, a transfer using internet banking, and a transfer using a bank window. It will never be done.

  In S <b> 402, the bank system 13 transmits payment information for the bank account assigned to the card member 12 to the card company system 10 at a predetermined timing. The transmission timing may be either real-time processing or nighttime batch processing, and is not particularly limited. The payment information to be transmitted includes date information, account number, deposit amount, and transfer client information. The transfer requester information can be used to determine whether the card member 12 has transferred.

  In S403, the card company system 10 generates return slip data in response to receipt of the deposit information from the bank system 13. More specifically, the card company system 10 accesses the member DB 26 using the account number included in the deposit information as a key, and acquires the credit card number 302 and the member store ID 306 of the card member 12 associated with the account number. . The card company system 10 uses the date information and deposit amount included in the deposit information, the acquired credit card number 302, and the member store ID 306 to generate an authorization telegram indicating that the business category is “cancel / return”, and creates an authorization telegram DB 28. To store. The member store ID 306 is an identifier indicating 12 card members. The business classification of authorization messages is as described above. In order to distinguish it from an authorization message indicating "cancellation / return" sent from a normal member store 11, the authorization message indicating "cancellation / return" generated based on the payment information is a member indicating 12 card members. Use store ID.

  FIG. 6A shows an example of a usage details screen that the card member 12 can access and refer to the card company system 10. In FIG. 6A, information on the transfer made on September 1, 2014 is displayed. Since the member store ID is assigned to the card member 12 itself, the name of the card member 12 is displayed as the name of the member store. The amount column shows the amount sent from the card member 12 to the card company 10, and if the card member 12 does not make a credit card transaction in the future, it is necessary to refund it, so it is displayed as minus 40 million yen Yes. The conventional authorization message indicating "cancellation / return" is generated with the same member store information added to cancel and clear the authorization message of "sales" that has already occurred. Since an authorization message indicating “cancel / return” is generated in accordance with the transfer, negative amount data is displayed in the usage details. The 40 million yen transferred from the card member 12 is recorded as “deposit” in the deposit 310 of the member DB 26. This amount is displayed in the “deposit” column on the screen of FIG. It is clearly shown.

  Returning to the flowchart of FIG. 4 again, in S404, a credit card is used as a settlement means for merchandise / service transactions between the card member 12 and the member store 11. More specifically, the member store terminal 11 transmits an authorization message corresponding to the content of the product / service provided to the card company system 10, and the card company system 10 uses the member information stored in the member DB 26. Card card expiration date check, security code check, use limit check (that is, check whether the total amount of card use in a given period is less than the use limit), etc. To the member store terminal 11. The transmitted authorization message is stored in the authorization message DB 28. When the transaction is approved by this authorization process, a transaction of goods / services between the card member 12 and the member store 11 is established.

  In the present embodiment, it is assumed that a machine tool of 49 million yen is purchased from an operator (00 company) with a card member 12 as of September 20, 2014, and payment is made with a card. As shown in FIG. 6 (a), the credit card member 12 has a maximum usage limit of 10 million yen, and a credit card cannot be used to purchase the machine tool. However, since the card member 12 had previously transferred 40 million yen, an authorization telegram indicating “cancellation / return” was generated, and as a result of checking the limit of use, a card transaction approval notification was received from the card company system 10. It is transmitted to the member store terminal 11.

  In S <b> 405, the member store terminal 11 transmits sales data (sales slip) corresponding to the content provided for the product / service to the card company system 10. The card company system 10 stores the received sales data (authorization message) in the authorization message DB 28. The business category of the stored authorization message is “sales”.

  FIG. 6B shows an example of a usage details screen that the card member 12 can access and refer to the card company system 10. In FIG. 6 (b), settlement information dated September 20, 2014 (for example, purchase of a 49 million yen machine tool from OO company) is displayed. Since this card usage record is a transaction that exceeds the usage limit of the card member 12, the transaction should be unapproved. However, since the authorization message indicating the business category “cancel / return” is generated and stored in the authorization message DB 28 in accordance with the transfer payment from the card member 12 in S403, minus 40 million indicated by the authorization message. Since the amount of yen and the amount of 49 million yen in the authorization message for machine tool purchase were cleared (offset), the card usage record of 9 million yen was within the limit of use of the card member 12, so the transaction was approved. It shows that.

  Returning to the flowchart of FIG. 4 again, in S406, the card company system 10 reads from the authorization message DB 28 an authorization message that has occurred within a predetermined period and whose business classification indicates “sales” and “cancellation / return”. The billing data for each card member 12 is generated. This billing data is generated for each credit card owned by the card member 12. In the present embodiment, as shown in FIG. 6 (b), the sales authorization message of 49 million yen and the cancellation / return authorization authorization message minus 40 million yen have been settled. It is transmitted from the system 10 to the card member 12.

  In S407, based on the contract between the card member 12 and the card company 10, the card company 10 transmits a request for account transfer to a predetermined bank, and the bank system 13 uses the card account of the card member 12 to send the card company. Transfer money to 10 bank accounts.

  In the description of FIG. 4, the case has been described where, when generating billing data for the card member 12, both an authorization message indicating “cancel / return” and an authorization message indicating “sales” occur. However, there may be a case where an authorization message indicating “sales” has not yet occurred when generating billing data (ie, a case where a machine tool has not yet been purchased). In such a case, the authorization message indicating “cancellation / return” may not be used in the billing data generation process until a predetermined date arrives (for example, “bonus payment in normal card transactions”). As well as " The predetermined date can be determined between the card member 12 and the card company 10.

  Also, if the purchase price of the machine tool is lower than planned, the deposit will remain, so that the card company 10 will refund the balance to the card member 12 when the designated month arrives. It can also be configured, or it can continue to settle with other card transaction amounts.

  FIG. 5 is a functional block diagram of the card company system 10 according to the present invention. The card company system 10 includes a return data processing unit 51, a sales data processing unit 52, a billing processing unit 53, an account transfer request unit 54, a member DB 26, a member store DB 27, and an authorization message DB 28. The member DB 26, the member store DB 27, and the authorization message DB 28 store the data described above with reference to FIG.

  The return data processing unit 51 can generate return slip data in response to receipt of the deposit information from the bank system 13. The return slip data corresponds to an authorization message indicating that the business classification is “cancel / return”, and includes the credit card number 302 of the card member 12, the member store ID 306, and information on the deposit amount from the card member 12.

  The processing contents will be described in detail. The return data processing unit 51 accesses the member DB 26 using the account number included in the received payment information as a key, and the credit card number 302 of the card member 12 associated with the account number, membership The store ID 306 is acquired. The member store ID 306 is an identifier indicating 12 card members. The return data processing unit 51 uses the date information and deposit amount included in the deposit information, the acquired credit card number 302, and the member store ID 306 to generate an authorization message whose business category indicates “cancel / return”. The generated authorization message is stored in the authorization message DB 28.

  The sales data processing unit 52 can receive the authorization message from the member store terminal 11 and store the authorization message in the authorization message DB 28. As described above, the authorization message transmitted between the card company system 10 and the member store terminal 11 includes the authorization message indicating “sales” and “cancellation / return” as well as the approval / non-approval of the card transaction. An authorization message for determining approval is included.

  The billing processing unit 53 reads out an authorization message indicating that the business classification is “sales” and “cancellation / return” that occurred during a predetermined period (for example, one month) from the authorization message DB 28, and billing data for the card member 12 Can be generated. This billing data is generated for each credit card owned by the card member 12. An authorization message indicating "sales" and an authorization message indicating "cancellation / return" can be liquidated.

  The account transfer request unit 54 can transmit the account transfer request data to the bank system 13 based on the billing data generated by the billing processing unit 53. The account transfer is performed on a date (for example, the fifth day of every month) determined in advance between the card company 10 and the card member 12.

  In the above description, a configuration has been described in which the amount transferred by the card member 12 is recorded as “deposit” in the deposit 310, and the amount functions as a prepaid frame and is offset with the sales data of other authorization messages. In the present invention, the following embodiments can be executed as other embodiments.

  The card company system 10 ranks each card member as a result of monitoring information such as the card usage status, payment results, and annual income of each card member 12. The card company system 10 can provide a frame increase rate corresponding to the rank of each card member and set a prepaid frame equal to or greater than the transfer amount. For example, in the case where the rate of increase of the card member 12 is double and a prepaid frame of 40 million yen is required, if the card member 12 makes a transfer of 20 million yen, a prepaid frame of 40 million yen (ie, 2000 million) 10,000 yen x 2) can be obtained. Thereafter, the card member 12 can repay the remaining amount based on a contract agreed with the card company 10 in advance.

<Summary>
Although the principle of the present invention has been described above with reference to exemplary embodiments, those skilled in the art will appreciate that various embodiments that change in configuration and details can be realized without departing from the spirit of the present invention. Will understand. That is, the present invention can take an embodiment as, for example, a system, apparatus, method, program, or storage medium.

10 Card Company System, Card Company 11 Member Store Terminal, Member Store 12 Card Member 13 Bank System, Bank 21 Control Unit 22 Main Storage Unit 23 Auxiliary Storage Unit 24 Interface (IF) Unit 25 Output Unit 26 Member Database (DB)
27 Merchant database (DB)
28 Authorization message database (DB)
301 Member ID
302 Credit card number 303 Expiration date 304 Attribute information 305 Account number 306 Merchant ID
307 Usage limit (normal)
308 Usage limit (temporary)
309 Limit change period 310 Deposit 51 Returned data processing unit 52 Sales data processing unit 53 Claim processing unit 54 Account transfer request unit

Claims (10)

A payment method executed by a computer that generates billing data for credit card payment, wherein the computer is connected to a bank system and a member store terminal in a communicable manner.
Receiving a payment notification generated for a transfer from a cardholder from the banking system;
In response to receiving the payment notice, generating a first authorization message for a first business category, wherein the first authorization message is a credit card number and membership associated with the card member. Including a store identifier and an amount corresponding to the deposit included in the deposit notification;
Receiving a second authorization message of a second business category based on the card transaction of the card member from the member store terminal, wherein the second authorization message is a credit card number associated with the card member; Including the amount of the card transaction, the amount of the card transaction is an amount exceeding the usage limit set for the card member;
Generating billing data for the card member based on the first authorization message and the second authorization message having a credit card number associated with the card member, wherein the billing amount included in the billing data is: The amount of money included in the first authorization message and the amount of the card transaction included in the second authorization message are settled amounts. The computer includes a first database for storing the cardholder information,
The payment notice further includes an account number of a bank account to which the card member has made the transfer,
Generating the first authorization message is as follows:
Reading the cardholder information from the first database based on the account number included in the payment notification;
Based on the credit card number and merchant identifier associated with the card member included in the read card member information and the amount corresponding to the deposit amount included in the deposit notice, the first authorization message is The method of claim 1, comprising generating.   The method according to claim 2, wherein an amount corresponding to the deposit amount included in the deposit notification is a negative value.   The method according to claim 1, wherein the first authorization message is generated before the second authorization message.   The member store identifier associated with the card member is an identifier previously assigned to the card member by the computer in order to treat the card member as a member store capable of executing credit card payment. The method of claim 1. A payment system for generating billing data for credit card payment,
The payment system is communicably connected to a bank system and a member store terminal,
Responding to the receipt of the payment notice generated for the transfer from the cardholder from the bank system, the return data processing means for generating the first authorization message of the first business category, One authorization message includes a credit card number and a member store identifier associated with the card member, and a return data processing means including an amount corresponding to the deposit amount included in the deposit notification,
Sales data processing means for receiving from the member store terminal a second authorization message of a second business category based on the card transaction of the card member, wherein the second authorization message is a credit associated with the card member A sales data processing means including a card number and an amount of the card transaction, the amount of the card transaction being an amount exceeding a usage limit set for the card member;
Claim processing means for generating billing data for the card member based on the first authorization message and the second authorization message having a credit card number associated with the card member, the claim processing means being included in the billing data A system comprising: claim processing means, wherein the amount is an amount obtained by clearing the amount of the card transaction included in the first authorization message and the amount of the card transaction included in the second authorization message. . A first database for storing the cardholder information;
The payment notice further includes an account number of a bank account to which the card member has made the transfer,
The return data processing means includes
Read the cardholder information from the first database based on the account number included in the payment notification;
Based on the credit card number and merchant identifier associated with the card member included in the read card member information and the amount corresponding to the deposit amount included in the deposit notice, the first authorization message is Generate,
The system according to claim 6.   The system according to claim 7, wherein an amount corresponding to the deposit amount included in the deposit notification is a negative value.   The system according to claim 6, wherein the first authorization message is generated before the second authorization message.   The member store identifier associated with the card member is an identifier previously assigned to the card member by the payment system in order to treat the card member as a member store capable of executing credit card payment. The system according to claim 6.

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