JP2016219052A - Money receiving system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To solve the problems in which: it is necessary for a user of a money transfer destination to open an account in a bank in a case of a conventional remittance using a broker; and safety of a credit card is deteriorated if the remittance reception to the card and a change of the credit limit thereof is accepted freely.SOLUTION: In a money receiving system, a card having a money reception ID available only for receiving money and a consumption ID available only for consumption is used to be capable of safely receiving a money. When remittance request information with the money reception ID and a remitter ID is received at a bank account management server device managing a bank account for receipt of money, a remittance process to an account of a company managing the card is performed and a credit limit of the card is changed accordingly so that cash dispensing by use of the card using the consumption ID can be performed.SELECTED DRAWING: Figure 2

Description

  The present invention relates to a technique for allowing a card to be withdrawn according to a usage limit, and to change the limit safely and appropriately according to remittance from a bank account.

  Conventionally, a deposit (remittance) service is provided such as transferring money from a bank account to another bank account. In this deposit service, a deposit process for the account is executed by designating the number of the account to be remittance.

  Also, in order to enable payment without notification of the bank account number, an intermediary enters between the depositing source and the recipient bank and opens an account linked to the e-mail address under the management of the intermediary. As a result, there is also a service that enables remittance between bank accounts using only an email address.

  On the other hand, there is also a “credit card” service that allows withdrawals as long as the amount is within the limit even if the balance of the account is not adjusted by the above-mentioned deposit or the like. When this credit card is contracted with a credit sales company, an amount (usage limit) that can be used within a predetermined period is set according to, for example, the user's ability to pay. Can be freely paid (withdrawal) by presenting the card at the store or entering the card number at the online shop.

≪Paypal (registered trademark) ≫ Japan Official Homepage (http://www.paypal.jp/jp)

  However, remittance using the above bank account requires that the user of the remittance also has an account with the bank, and also when using a broker, the user of the remittance also opens a bank account. There is a problem that it is necessary.

  In addition, the change in the credit card usage limit is calculated and changed in accordance with the usage record within the predetermined usage limit. If the credit card can be used with the reflected usage limit, its serviceability will improve, but if the card can be received freely and the usage limit can be changed in this way, the safety of the card There is a problem that the property becomes low.

  In order to solve the above problems, the present application uses a card that enables safe payment by having a receipt ID that can be used only for receipt and a consumption use ID that can be used for consumption. . When the bank account management server device that manages the bank account for depositing accepts the remittance request information including the receipt ID and the sender ID, it executes the remittance processing to the account of the management company of the card, and accordingly Provided is a deposit system configured to be able to withdraw using a card using a consumption usage ID by appropriately changing the card usage limit.

  Specifically, it is possible to raise the usage limit amount according to the deposit amount associated with the card, and a receipt ID that can be used only for receipt and a consumption use ID that can be used for consumption use. A deposit system for a card having an ID of a type, and information on request for remittance to an account of the card management company, which includes, as information, a receipt ID of one or more of the cards and a sender ID for identifying a sender A remittance request information acquisition unit to be acquired, a remittance processing execution unit that executes remittance processing to the account of the card management company based on the acquired remittance request information, and the remittance ID associated with the executed remittance processing; A remittance information transmitting unit for transmitting remittance information including at least a remittance ID to the card management company, a bank account management server device, a remittance information receiving unit for receiving the remittance information, and a remittance ID. A consumption usage limit information holding unit that holds consumption usage limit information, which is information relating the cost usage ID and the consumption usage limit, and a payment ID included in the remittance information received using the consumption usage limit information Card management having a consumption usage limit reduction upper part that raises the consumption usage limit of the received card, and a remittance information browsing unit that allows the received remittance information to be viewed on demand when the consumption usage limit is raised Comparison result between the server device, the consumption usage request amount acquisition unit for acquiring the consumption usage request amount in association with the consumption usage ID, the acquired consumption usage request amount, and the consumption usage limit amount associated with the acquired consumption usage ID A payment system for a card comprising: a comparison result acquisition unit for acquiring a withdrawal terminal unit, and a withdrawal instruction unit for outputting a withdrawal instruction according to the comparison result. Subjected to.

  Further, in addition to the above configuration, the remittance request information acquired by the remittance request information acquisition unit is a format in which the signal format includes a receipt ID of the card and a sender ID for identifying the sender in one field. It also provides a deposit system. Alternatively, all or part of the remittance request information acquired by the remittance request information acquisition unit also provides a deposit system that is a signal in a format defined by the EDI standard.

  In addition to the above configuration, a payment system is also provided in which a plurality of payment IDs are associated with one consumption use ID. Further, a deposit system in which the receipt ID is a sender ID is provided.

  In addition to the above configuration, a remittance-related information holding unit that holds information related to remittance and remittance, which is information that associates a remittance ID and a sender ID, and related to remittance and remittance related to remittance related to remittance An information change unit is also provided.

  Also provided are a bank account management server device, a card management server device, and a withdrawal terminal device in these deposit systems. An operation method in such a deposit system is also provided.

  With the present invention configured as described above, even if the remittance user (recipient) does not have a bank account, the remittance from the bank account of the remittance user (remitter) is used only for receivable. It is possible to receive money safely using a possible payment ID, raise the card usage limit, and make a withdrawal using the consumption ID.

The conceptual diagram showing an example of the payment | withdrawal with respect to the card | curd by the money_receiving | payment system of Example 1, and a payment processing The conceptual diagram showing an example of the functional block in the money_receiving | payment system of Example 1. The figure showing an example of GUI which implement | achieves the remittance request information acquisition part of the payment system of Example 1. The figure for demonstrating an example of the remittance request information acquired in one field in the money_receiving | payment system of Example 1. FIG. The figure showing an example of the consumption usage limit information hold | maintained in the money_receiving | payment system of Example 1. FIG. The figure for demonstrating an example of the raising process of the consumption usage limit in the payment system of Example 1. The conceptual diagram showing an example of the browsing screen of the remittance information in the money_receiving | payment system of Example 1. The figure showing an example of the hardware constitutions in the bank account management server apparatus of the payment system of Example 1. The figure showing an example of the hardware constitutions in the card management server apparatus of the payment system of Example 1. The figure showing an example of the hardware constitutions in the payment terminal device of the payment system of Example 1. The flowchart showing an example of the flow of processing in the payment system according to the first embodiment.

  Hereinafter, embodiments of the present invention will be described with reference to the drawings. Note that the present invention is not limited to these embodiments, and can be implemented in various modes without departing from the spirit of the present invention.

  Example 1

    <Overview>

  FIG. 1 is a conceptual diagram showing an example of deposit and withdrawal processing by the deposit system for the card of this embodiment. As shown in FIG. 1A, for example, the user α thinks that the user β wants to deposit 10,000 yen. Therefore, the user α goes to the bank, tells the ID (remitter ID) for identifying himself at the window there, and the mobile phone number (card receipt ID) of the user β as the remittance destination, and deposits 10,000 yen. . Then, according to the terminal operation of the window operator who accepted it, a remittance process of 10,000 yen to the account of the card management company is executed as shown in FIG. At the same time, remittance information including the receipt ID and the sender ID is notified to the card management server device.

  Then, in response to the notification of the remittance information, the card management server apparatus increases the management limit of the card managed in association with the receipt ID as shown in FIG. The remittance user β can view the usage limit.

  After that, when the user β who has confirmed that the usage limit has been raised by browsing makes payment (withdrawal) using the card, this time, as shown in FIG. A consumption use request is made using the ID. Then, the requested amount is compared with the usage limit amount, and if it is within the usable range, the withdrawal using the card is executed.

  By using this system in this way, it is possible to receive money even if the recipient does not have an account with the bank. In addition, since the receipt ID that designates the payment destination when depositing to the card and the consumption use ID that is actually used when paying with the card are different, the consumption use ID is not notified to the sender. Since both can receive money, they can safely receive and consume money.

    <Functional configuration>

  FIG. 2 is a diagram illustrating an example of functional blocks in the deposit system according to the present embodiment. Note that the functional blocks of each device constituting the system described below can be realized as hardware, software, or both hardware and software. Specifically, if a computer is used, a CPU, a main memory, a bus, or a secondary storage device (a hard disk, a non-volatile memory, a storage medium such as a CD or a DVD, a read drive for the medium, etc.), information Input devices used for input, printing equipment, display devices, other hardware components such as external peripheral devices, interfaces for external peripheral devices, communication interfaces, driver programs for controlling these hardware, Other examples include application programs and user interface applications.

  Then, by CPU processing according to the program developed on the main memory, the data input from the input device or other interface and held in the memory or hard disk is processed and stored, An instruction for controlling the software is generated. The present invention can be realized not only as a system but also as a method. A part of the invention can be configured as software. Further, a software product used to cause a computer to execute such software and a recording medium on which the product is fixed are naturally included in the technical scope of the present invention (the same applies throughout the present specification). .

  As shown in FIG. 2, the deposit system for the card according to the present embodiment includes a “bank account management server device” (0200), a “card management server device” (0210), and a “withdrawal terminal device” (0220). And consist of Note that the “card” can increase the usage limit according to the deposit amount, and two types of IDs, a receipt ID that can only be used for receipt and a consumption use ID that can be used for consumption. A card with Further, the “payment ID” refers to an ID that can be used only for receiving money. However, “available only for receiving money” means that it is used only for receiving money in relation to the card and not used for consumption. IDs that can be used in various situations not related to the card are also used. included. Therefore, for example, in addition to a dedicated ID issued for receiving money, a mobile / fixed telephone number, an e-mail address, a basic resident register number, and the like are also included.

    (Configuration requirements for bank account management server device)

  First, the configuration requirements of the “bank account management server device” will be described. This bank account management server device is a server device that manages a bank account of a user (remitter) as a remittance source. For example, for security reasons, the server device has the following configuration requirements and accepts a remittance request: The server device that actually manages the account is configured by physically separate server devices, and the bank account management server device of the present embodiment is a server device that actually manages the account without actually managing the bank account. It is good also as a structure which transmits / receives information and cooperates and processes. The bank account may be a postal account.

  As shown in FIG. 2, the “bank account management server device” (0200) includes a “remittance request information acquisition unit” (0201), a “remittance processing execution unit” (0202), and a “remittance information transmission unit” ( 0203).

  The “remittance request information acquisition unit” (0201) has a function of acquiring remittance request information including, as information, a remittance ID of one or more of the cards and a remittance ID for identifying a remittance person. “Card receipt ID” means that it is used only for receipt and not for consumption use in relation to the card as described above. For example, in addition to a dedicated ID issued for receipt, Includes fixed phone numbers, e-mail addresses, and Basic Resident Register numbers.

  The “sender ID” refers to information for identifying the sender who is the sender, for example, a user ID assigned to the user by the bank for management or other ID (e-mail address used by the sender). Etc.), or an account number established by a user who is a sender and managed by the bank account management server device.

  The remittance request information acquisition unit obtains the remittance request information by, for example, sending the remittance to the bank window as described in the overview, and the window operator inputs the remittance ID or remittance ID to the terminal. The acquisition method is mentioned.

  Alternatively, for example, a GUI screen as shown in FIG. 3 is displayed on a terminal device such as a mobile phone used by the sender, and the receipt ID or sender ID of the card as the destination of payment is entered in the input field. A method of configuring and acquiring is mentioned. In addition, the remitter ID may be automatically acquired without any input by the user, for example, by using the unique ID or MAC address of the terminal device used by the remitter as the remitter ID.

  In addition, as shown in FIG. 3, a remittance (planned) amount or the like may be acquired as remittance request information. Alternatively, for example, if the amount to be remittance is known in advance for the reason that only remittance can be made for 10,000 yen in accordance with the service regulations, the input of this amount of remittance may be omitted.

  Further, the remittance request information acquired by the remittance request information acquisition unit may have a signal format in which the card ID and the sender ID for identifying the sender are described in one field. . With this configuration, as shown in FIG. 4, for example, as shown in FIG. 4, a data field β for storing information described in the communication field α such as a transfer sheet in a conventional bank transfer processing system (FIG. 4B) Can be used to transmit the receipt ID and the sender ID of the card. In this way, the remittance ID and the sender ID can be transferred without adding a separate configuration for performing processing for transmitting the receiver ID and the sender ID in the conventional remittance processing system. It is possible to process on the processing system.

  In order to distinguish between the receipt ID and the sender ID included in one field, for example, the number of characters of the receipt ID and the sender ID is made constant, and the two numbers in one field are referenced with reference to the number. There is a method for distinguishing information. Alternatively, there is a method in which a predetermined character such as “&” is always included between the receipt ID and the sender ID, and the two pieces of information in one field are distinguished by referring to the predetermined character. Alternatively, a method of discriminating two pieces of information by inputting a remittance ID right-justified in one field and entering one sender ID left-justified in one field can be cited.

  Alternatively, a part or all of the remittance request information, for example, a remittance ID or a sender ID may be transmitted and received as a signal in a format defined by the EDI standard. An “EDI (Electronic Data Interchange) standard” is a standard for exchanging digitized business data, and part of transmission / reception information related to a bank's Web service uses an EDI signal. The signal in the EDI standard format can indicate various information according to the agreement between the transmitting and receiving parties of the signal. Therefore, the system for managing the conventional bank Web service is greatly improved by adopting a configuration in which the receipt ID and the sender ID are transmitted and received as a signal in the EDI standard format adopted in the conventional bank Web service. This system can be constructed without adding.

  Further, the remittance request information acquisition unit may be configured to acquire a plurality of receipt IDs at once. Then, by processing a plurality of collective IDs associated with each other, for example, a manager (employer) of a company, for example, uses this system to collectively pay for a plurality of employees' cards. You can also pay.

  Further, the acquired receipt ID may be the same as the sender ID. In this case, it is possible to deposit from the bank account to the card.

The “Remittance Processing Execution Unit” (0202) has a function of executing remittance processing to the account of the card management company based on the acquired remittance request information, and is realized by, for example, a CPU, a main memory, a remittance processing program, or the like. be able to. The remittance process here is preferably executed as a remittance process between accounts in a normal bank system. The remittance amount at that time is preferably the amount indicated by the remittance request information. However, as described above, when the remittance amount is constant, remittance processing with the fixed amount may be performed.
In addition, the remittance source account may be an account opened by the sender himself / herself in the bank, or an account opened by the bank exclusively for the remittance, and the deposit from the sender to the account is accepted at the window. Thus, the remittance process related to the remittance request may be executed.

  The “Remittance Information Sending Unit” (0203) has a function of sending to the card management company remittance information including at least the receipt ID and the sender ID associated with the executed remittance process. And in the server device (card management server device) of the card management company that has received the received ID and the sender ID, the card usage limit can be raised according to the remittance. That is how it is said.

  Note that the remittance information transmitted here can be realized without changing the conventional bank remittance processing system by configuring the remittance information to be transmitted in one field such as for communication fields as described above. .

    (Card management server device)

  Next, returning to FIG. 2, the configuration requirements of the “card management server device” will be described. As shown in FIG. 2, the “card management server device” (0210) includes a “consumption usage limit information holding unit” (0211), a “remittance information reception unit” (0212), and a “consumption usage limit deduction upper part”. "(0213)" and "Remittance Information Viewing Unit" (0214).

  The “consumption usage limit information holding unit” (0211) has a function of holding consumption usage limit information, which is information in which a receipt ID, a consumption usage ID, and a consumption usage limit are associated with each other. It can be realized by a storage medium. Specifically, as shown in FIG. 5, for example, a limit amount of 200,000 yen is associated with the original receipt ID “Ctl-abc” of this system and the consumption usage ID “9876”. Alternatively, 100,000 yen is associated with “090-xxx-yyyy” and the consumption / use ID “0123” with the mobile phone number as the receipt ID.

  In this way, by managing the payment ID and consumption ID of the card as separate IDs, it is possible to notify the payment ID that can only be used for payment without notifying the sender of the consumption ID. You can receive money safely and raise the card usage limit.

  Further, the consumption use ID held here is managed by combining two types of fixed ID (card ID used for actual consumption use) and variable ID (one-time use-only-use ID). It is possible to improve the security.

  The “Remittance Information Receiving Unit” (0212) has a function of receiving the remittance information, and receives, for example, a receipt ID and a sender ID associated with a remittance process via a network or the like. .

  “Upper limit on consumption usage limit” (0213) has a function of raising the consumption usage limit of the card associated with the receipt ID included in the remittance information received using the consumption usage limit information.

  FIG. 6 is a diagram for explaining an example of processing for changing the usage limit. As shown in FIG. 6A, the limit of use associated with the receipt ID “090-xxx-yyyy” is “100,000 yen”. Here, when receiving a notice that 10,000 yen has been deposited to the card of the receipt ID in accordance with the remittance processing, as shown in FIG. It ’s like pulling it up.

  Further, as a trigger for executing the withdrawal process, a notification that the remittance process to the account of the card management company has actually been completed may be received in addition to the remittance information. Further, the amount of money to be raised may be the face value deposited in the account, or may be the face value with the fee subtracted or the face value increased by some kind of privilege.

  As described above, it is possible to safely raise the usage limit by the receipt ID managed as an ID different from the consumption use ID.

  The “Remittance Information Browsing Unit” (0214) has a function of browsing the received remittance information as requested when the consumption limit is raised, and is realized by a CPU, main memory, remittance information browsing program, etc. can do.

  FIG. 7 is a conceptual diagram showing an example of the remittance information browsing screen. As shown in this figure, for example, a remittance or beneficiary uses a terminal such as a cellular phone or a PC (personal computer) to access a remittance information confirmation web page via the Internet. When an input such as a consumption use ID, other card ID, or card user ID is received, the remittance information associated with the ID is displayed on the screen. Further, instead of the remittance information, the consumption usage limit executed and raised according to the remittance information may be viewable.

  Or, when the processing for raising the consumption limit is executed, the remittance information is automatically viewed to the contact information such as the recipient's e-mail address that is managed in association with the withdrawal receipt ID etc. It is also possible to have a configuration in which a notification to the effect that payment for data or a card has been received is transmitted. In this way, the beneficiary can grasp the current consumption limit and the like for the subsequent withdrawal using the card. The browsing includes not only visual notification by screen display but also notification for hearing by voice output or the like.

  Further, the card management server device further includes a “remittance / remittance related information holding unit” that holds remittance / remittance related information, which is information that associates a remittance ID (not shown) and a remittance ID, and remittance / remittance related information. You may have the "payment remittance related information change part" to change. Then, the “remittance / remittance related information holding unit” basically holds the remittance / remittance related information semi-permanently, and the ID for identifying the remittance / remittance related information in the second and subsequent remittance processes. By inputting information or selecting from a list of remittance and remittance related information, it is possible to save the trouble of re-inputting these information.

  In addition, if there is an error in the information related to money transfer and remittance once entered in the “Remittance and money transfer related information change section”, it can be corrected. Alternatively, with respect to remittance and remittance related information that has been entered once and retained so that the transfer can be reused, it is possible to cope with changes, additions, deletions, etc. of the remittance source or remittance destination.

    (Withdrawal terminal device)

  Returning to FIG. 2, the configuration requirements of the “withdrawal terminal device” will be described next. The withdrawal terminal device is not particularly limited as long as it is a terminal device that performs withdrawal using a card. For example, it may be a device that is installed in a cash register of a real store and withdraws money for product purchase, or is installed in a user's PC, mobile phone, smartphone, etc., for purchasing products at a virtual store on the Internet. It may be a device that withdraws money.

  As shown in FIG. 2, the “withdrawal terminal device” (0220) includes a “consumption use request acquisition unit” (0221), a “comparison result acquisition unit” (0222), and a “withdrawal instruction unit” (0223). And).

  The “consumption use request acquisition unit” (0221) has a function of acquiring a consumption use request amount in association with the consumption use ID. Specifically, for example, a card user visits a predetermined store such as a convenience store to actually make payment (withdrawal). Alternatively, a virtual store on the Internet is accessed using a terminal device such as a PC. And when purchasing goods, the withdrawal terminal device is made to acquire the card's consumption usage ID along with the purchase price by means of input using a keyboard or reading processing using a reading device such as a barcode. is there.

  The “comparison result acquisition unit” (0222) has a function of acquiring a comparison result between the acquired consumption use request amount and the consumption use limit amount associated with the acquired consumption use ID. It should be noted that the execution subject of the comparison process between the consumption usage request amount and the consumption usage limit amount may be the withdrawal terminal device or the card management server device described above.

  Specifically, when the comparison process is executed by the withdrawal terminal device, the acquired consumption use ID is transmitted to the card management server device. Then, the consumption use limit information as shown in FIG. 5 is referred to by the card management server device, and the consumption use limit amount related to the consumption use ID indicated by the consumption use limit information is returned. Then, the withdrawal terminal device receives the returned consumption usage limit amount, and executes a comparison process of the amount with the consumption usage request amount acquired in advance by a calculation process of the CPU, etc. It is.

  Alternatively, when the card management server device performs the comparison process, the withdrawal terminal device transmits the acquired consumption usage ID and the consumption usage request amount to the card management server device. Then, the consumption use limit information as shown in FIG. 5 is also referred to in the card management server device, and the consumption use limit amount related to the consumption use ID is specified. And the comparison process of the magnitude | size of the consumption consumption limit amount specified and the received consumption use request amount is performed by the arithmetic processing of CPU, etc. Then, the comparison processing result is returned to the withdrawal terminal device and acquired.

  The “withdrawal instruction unit” (0223) has a function of outputting a withdrawal instruction according to the comparison result. In addition, the comparison result used as the trigger which outputs a payment instruction | indication is not specifically limited. For example, it may be configured to output a withdrawal instruction when the consumption consumption request amount is less than or equal to the consumption use limit amount. A configuration may be adopted in which a withdrawal instruction is output if the shortage is within a certain amount or within a certain percentage of the consumption limit.

  Then, the output withdrawal instruction is directly or indirectly acquired by the card management server device, and processing for subtracting the withdrawal instruction amount from the usage limit is executed. In addition, a process of paying the amount of the withdrawal is executed to the management entity of the store that uses the withdrawal terminal device that has output the withdrawal instruction.

  As described above, with the deposit system of this embodiment, even if the user of the remittance does not have a bank account, the receipt ID that can only be used for receipt and the consumption use ID that can be used for consumption use. With a card that has a card, you can safely receive money from the bank account of the depositor (sender), raise the card usage limit, and withdraw using the consumption ID .

  In addition, although the information transmission / reception between the apparatuses in the system in the above-described embodiment has been described by taking an example in which the apparatuses directly perform each other, the transmission / reception may be performed via another apparatus. . The entity that manages each device is an example and may be managed by another entity. For example, the bank account management server device and the card management server device may be managed by one entity. For example, the bank account management server device and the card management server device may be physically realized as one device. Conversely, in the above example, one server device is physically combined with a plurality of server devices. It may be realized.

    <Hardware configuration>

  An example of the hardware configuration of each device of this system will be described with reference to FIGS.

    (Hardware configuration of bank account management server device)

  FIG. 8 is a diagram illustrating an example of a hardware configuration of the bank account management server device of the present system. As shown in this figure, the bank account management server device of this system includes a “CPU (central processing unit)” (0801) that executes various arithmetic processes in addition to the processing related to the remittance processing execution unit, and “main memory”. (0802). In addition, an “input device” (0803) for inputting remittance request information, an “Internet communication circuit” (0804) which is a remittance information transmitting unit, and an “HDD (hard disk drive)” for recording various information and programs ( 0805). They are connected to each other via a data communication path such as a “system bus” to transmit / receive information and process information.

  A program is read out to the “main memory”, and the “CPU” refers to the read out program and executes various arithmetic processes according to the procedure indicated by the program. In addition, a plurality of addresses are assigned to each of the “main memory” and “HDD”, and in the arithmetic processing of the “CPU”, the address is specified and the stored data is accessed to access the data. It is possible to perform the arithmetic processing used.

  Here, an example in which the remittance request information is acquired by using the input device in the bank account management server apparatus will be described. However, as described above, of course, the present invention is not limited to this (other processes are also examples).

  Here, a user who requests remittance submits a remittance request form at a bank window. Then, the window operator operates the “input device” to input the remittance amount described on the remittance request form, the receipt ID of the card as the remittance destination, and the requester's account number (remitter ID). At this time, the receipt ID and the sender ID may be entered in one field for inputting information described in the communication column of the paper.

  When the input information confirmation operation is accepted, the remittance amount, the remittance ID, and the remittance ID are respectively stored in the addresses 1, 2, and 3 of the “main memory”, and “CPU” interprets the remittance processing program, Similar to the remittance processing between accounts in a normal bank, the remittance amount is subtracted from the balance of the account number indicated by the sender ID, and the remittance processing to the account of the card management company is executed.

  Next, the “CPU” interprets the remittance information transmission program, and notifies the remittance processing completion of the remittance amount, receipt ID, and sender ID stored in each address of the “main memory”. Etc.) and transmitted to the card management server device via the “Internet communication circuit”.

    (Hardware configuration of card management server)

  FIG. 9 is a diagram illustrating an example of a hardware configuration of the card management server device of the present system. As shown in this figure, the card management server device of the present system includes a “CPU” (0901) for executing various arithmetic processes in addition to the processing related to the upper limit of consumption usage discount, “main memory” (0902), It has. In addition, a “HDD” (0903) that is a consumption usage limit information holding unit and an “Internet communication circuit” (0904) that is a remittance information receiving unit and a remittance information browsing unit are also provided. They are connected to each other via a data communication path such as a “system bus” to transmit / receive information and process information.

  Here, the “CPU” receives the remittance processing completion notification and remittance information transmitted from the bank account management server device as described above via the “Internet communication circuit”, and receives these remittance processing completion notifications and remittances. Information is stored in addresses 1 and 2 of the “main memory”.

  Next, the “CPU” analyzes the remittance processing log to the account of the card management company using the remittance processing ID indicated in the remittance processing completion notification, for example, and confirms whether the deposit to the account is actually executed. Process. When it is confirmed that the deposit has been made, the “CPU” interprets the consumption usage limit deduction program and uses the receipt ID indicated by the remittance information stored in the “main memory” accordingly as a key. In order to search the consumption limit amount, logical operation processing is performed with reference to the consumption limit information held in “HDD”. As a result, the consumption usage limit associated with the receipt ID is specified in the consumption usage limit information, and stored in address 3 of the “main memory”.

  Subsequently, the “CPU” performs a calculation process of adding the remittance amount indicated by the remittance information stored in the “main memory” to the consumption usage limit amount stored in the address 3, and a new face value is raised. Calculate the consumption limit. Then, a process of updating the corresponding record of the consumption usage limit information as shown in FIG. 5 held in the “HDD” with the new consumption usage limit amount is performed.

  In addition, in response to the process of raising the consumption limit or receiving a request from a user at the remittance destination, the “CPU” interprets the remittance information viewing program and uses the terminal device used by the remittance destination user. To display and browse the remittance information and the increased consumption limit.

    (Hardware configuration of withdrawal terminal device)

  FIG. 10 is a diagram illustrating an example of a hardware configuration of the withdrawal terminal device of the present system. As shown in this figure, the withdrawal terminal device of the present system includes a “CPU” (1001) that executes various arithmetic processes in addition to the process related to the withdrawal instruction unit, and a “main memory” (1002). ing. Also, an “input device” (1003) that is a consumption usage request amount acquisition unit, an “Internet communication circuit” (1004) for communicating with a card management server device, etc., and an “HDD” (1005) that holds various programs and information. ). They are connected to each other via a data communication path such as a “system bus” to transmit / receive information and process information.

  Here, an example in which the withdrawal terminal device is in the actual store will be described and an example in which the comparison process is executed by the withdrawal terminal device will be described. However, as described above, the present invention is not limited thereto.

  Here, when a user who visits the store purchases a product, the consumption use ID of the card is input via the “input device” of the withdrawal terminal device. Then, the purchase amount (consumption use request amount) of the product and the input consumption use ID collected in the register or the like are stored in addresses 1 and 2 of the “main memory”. Then, the “CPU” interprets the comparison result acquisition program, and transmits the consumption / use ID stored in the “main memory” from the “Internet communication circuit” to the card management server device.

  Then, a card management server device (not shown) executes a process of searching for consumption usage limit information using the consumption usage ID received by the calculation processing of “CPU” as a key. The consumption limit amount specified by the search and returned from the card management server device is received by the withdrawal terminal device and stored in address 3 of “main memory”.

  Subsequently, the “CPU” performs a comparison process of the consumption usage request amount stored in the main memory and the consumption usage limit amount, for example, the consumption usage request amount matches a predetermined condition such as the consumption usage limit amount or less. If so, a determination result that the withdrawal is possible is generated.

  Then, according to the determination result that the withdrawal is possible, the “CPU” interprets the withdrawal instruction program and outputs the withdrawal instruction. Then, the withdrawal instruction is directly or indirectly acquired by a card management server device (not shown), and processing for subtracting the amount indicated by the withdrawal instruction from the usage limit is executed. In addition, a process of paying the amount of the withdrawal is executed to the management entity of the store that uses the withdrawal terminal device that has output the withdrawal instruction.

    <Process flow>

  FIG. 11 is a flowchart showing an example of the flow of processing in the deposit system of the present embodiment. The steps shown below may be steps executed by each hardware configuration of the computer as described above, or may be processing steps that constitute a program for controlling the computer recorded on a medium. I do not care.

  As shown in this figure, first, a bank account management server device uses one or more card IDs and a sender ID for identifying a sender as a request to send money to the account of the card management company. Information is acquired (step S1101). Then, based on the acquired remittance request information, remittance processing to the account of the card management company is executed (step S1102), and remittance information including at least the remittance ID and the remitter ID associated with the executed remittance processing. Is transmitted to the card management company (step S1103).

  Further, the card management server device records consumption usage limit information, which is information in which the receipt ID, the consumption usage ID, and the consumption usage limit are associated in advance on the HDD or the like (step S1111). Thereafter, the remittance information is received (step S1112), and the consumption limit amount of the card associated with the receipt ID included in the remittance information received using the held consumption limit information is raised (step S1113). ). Then, when the consumption usage limit is raised, the received remittance information is browsed in response to the request (step S1114).

  Then, in the withdrawal terminal device, the consumption usage request amount is acquired in association with the consumption usage ID (step S1121), and the acquired consumption usage request amount and the consumption usage limit amount associated with the acquired consumption usage ID A comparison result is acquired based on the consumption usage limit information recorded and held in the card management server device (step S1122), and a withdrawal instruction is output according to the comparison result (step S1123).

    <Simple explanation of effect>

  As described above, with the deposit system of this embodiment, even if the user of the remittance does not have a bank account, the receipt ID that can only be used for receipt and the consumption use ID that can be used for consumption use. With a card that has a card, you can safely receive money from the bank account of the depositor (sender), raise the card usage limit, and withdraw using the consumption ID .

0200 Bank Account Management Server Device 0201 Remittance Request Information Acquisition Unit 0202 Remittance Processing Unit 0203 Remittance Information Transmitting Unit 0210 Card Management Server Device 0211 Consumption Usage Limit Information Holding Unit 0212 Remittance Information Receiving Unit 0213 Consumption Usage Limit Amount Upper Part 0214 Remittance Information Viewing Unit 0220 Withdrawal terminal device 0221 Consumption use request acquisition unit 0222 Comparison result acquisition unit 0223 Withdrawal instruction unit

Claims (10)

It is possible to raise the usage limit according to the deposit amount associated with the card, and has two types of IDs, a receipt ID that can be used only for receipt and a consumption use ID that can be used for consumption A deposit system for cards,
A remittance request information acquisition unit for acquiring remittance request information to an account of a management company of the card, which includes, as information, a remittance ID of one or more of the cards and a remittance ID for identifying a remittator;
A remittance processing execution unit that executes remittance processing to the account of the card management company based on the acquired remittance request information;
A bank account management server device comprising: a remittance information transmitting unit that transmits remittance information including at least the remittance ID associated with the executed remittance processing and a remittance ID to the card management company;
A consumption use limit information holding unit for holding consumption use limit information, which is information relating the receipt ID, consumption use ID, and consumption use limit;
A remittance information receiving unit for receiving the remittance information;
A consumption usage limit amount upper part for raising the consumption usage limit amount of the card associated with the payment ID included in the remittance information received using the consumption usage limit information;
A card management server device having a remittance information browsing unit for browsing the received remittance information in response to a request when the consumption limit is raised;
A consumption usage request amount acquisition unit for acquiring a consumption usage request amount in association with the consumption usage ID;
A comparison result acquisition unit for acquiring a comparison result between the acquired consumption use request amount and the consumption use limit associated with the acquired consumption use ID;
A withdrawal terminal unit having a withdrawal instruction unit for outputting a withdrawal instruction according to the comparison result;
Payment system for cards with   The remittance request information acquired by the remittance request information acquisition unit is a format in which a signal format includes a receipt ID of the card and a sender ID for identifying the sender in one field. Deposit system.   2. The deposit system according to claim 1, wherein all or part of the remittance request information acquired by the remittance request information acquisition unit is a signal in a format defined by an EDI standard.   4. The deposit system according to claim 1, wherein a plurality of the receipt IDs are associated with one consumption use ID.   The payment system according to any one of claims 1 to 4, wherein the payment ID is a sender ID. A remittance and remittance related information holding unit for holding remittance and remittance related information, which is information relating the remittance ID and the remittance ID;
Remittance and remittance related information changing section for changing remittance and remittance related information,
The deposit system according to claim 1, comprising:   The bank account management server apparatus as described in any one of Claim 1 to 6.   The card management server device according to any one of claims 1 to 6.   The withdrawal terminal device according to any one of claims 1 to 6. It is possible to raise the usage limit according to the deposit amount associated with the card, and has two types of IDs, a receipt ID that can be used only for receipt and a consumption use ID that can be used for consumption A method of operating a deposit system for a card,
Remittance request information acquisition for acquiring remittance request information to the account of the card management company, which includes, as information, a receipt ID of one or more of the cards and a sender ID for identifying the sender Steps,
A remittance processing execution step for executing remittance processing to the account of the card management company based on the acquired remittance request information;
Remittance information transmission step of transmitting remittance information including at least the remittance ID and the remittance ID associated with the remittance process performed to the card management company,
In a card management server device having a consumption usage limit information holding unit for holding consumption usage limit information, which is information relating the receipt ID, consumption usage ID, and consumption usage limit,
Remittance information receiving step for receiving the remittance information;
A consumption usage limit raising step for raising the consumption usage limit of the card associated with the payment ID included in the remittance information received using the consumption usage limit information;
A remittance information browsing step for allowing the received remittance information to be viewed on demand when the consumption limit is raised; and
At the withdrawal terminal device,
A consumption use request amount acquisition step for acquiring a consumption use request amount in association with a consumption use ID;
A comparison result acquisition step for acquiring a comparison result between the acquired consumption usage request amount and the consumption usage limit associated with the acquired consumption usage ID;
And a withdrawal instruction step for outputting a withdrawal instruction according to the comparison result.

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