JP2511401B2 - Credit card - Google Patents

Description

Description: TECHNICAL FIELD OF THE INVENTION The present invention relates to a credit card used in a credit system for making a payment at a later date when purchasing a product at a store instead of using cash as a transaction price.

[Prior art and its problems] In recent years, it has been called the cashless era, and by using a card issued by a credit card company or the like, it becomes possible to purchase products without handling cash. It is also possible to borrow cash by using an automated teller machine. In other words, this credit card system allows prepayment of merchandise or cash to card users, and for every certain period (usually one month), the total amount of money used within that period is accumulated and preset. It will be settled on the payment date.

However, by using the above credit card, it is possible to freely purchase products and borrow cash within the usage limit set in advance by the credit company. There is a risk that In this case, the card user must prepare a payment equivalent to the payment amount by the payment date, but the amount to be paid on the next payment date can be confirmed mainly by the credit before the payment date. This is after receiving the "card usage statement" sent from the company. For this reason, the card user may not be able to prepare the card usage fee by the payment date or may forget to prepare the card usage fee, which causes troubles in the card transaction.

[Object of the Invention] The present invention has been made in view of the above-mentioned problems, and it is always easy and accurate to enter the next payment date by not only the "card usage statement" but also by entering the current date. The purpose is to provide a credit card that allows you to check the number of remaining days until and the payment amount that must be prepared on the next payment date.

[Main points of the invention] That is, in the credit card according to the present invention, the card body stores the date and transaction amount relating to each transaction, and when the current date is input, the next payment date is calculated from the input current date. Then, on the date corresponding to the calculated next payment date and the corresponding cumulative transaction period, all the transaction amounts transacted are read from the storage means and accumulated, and calculated from the input current date. The number of remaining days until the next payment date is calculated, and the accumulated total transaction amount and the calculated number of remaining days are displayed.

An embodiment of the present invention will be described below with reference to the drawings.

FIG. 1 shows an external configuration of an IC card 11 to which the present invention is applied. The IC card 11 is provided with a keyboard 12, a display unit 13 and a solar cell 14 on the upper surface of its main body.
The keyboard 12 includes a PIN key 15 and a REF key 16 as well as calculation keys such as a numeric keypad and function keys. The PIN key 15 is used to verify the personal identification number PIN (Perso
This PIN is a code of a specified number of characters arbitrarily set by the cardholder. Also,
The REF key 16 is used when entering the date in combination with the above-mentioned numeric keypad. For example, to key in June 15, 1960, use "60 ・ 6 ・ 15" → "REF" To do.
In addition, on the top of the main body of this IC card 11,
17 is provided so that it can be connected to a financial institution such as a bank or a card terminal installed at a storefront of a store.

Next, the circuit configuration of the IC card 11 will be described with reference to FIG.

In the figure, reference numeral 21 denotes a system control unit (CPU), which is connected to an input control unit 22 for controlling the keyboard 12, a display control unit 23 for controlling the display unit 13 and an arithmetic unit 24. To be done. Also, this system control unit
A card data memory 25 and a transaction data memory 26 are connected to 21. In the card data memory 25, the issuance number "card No." of the card 11, the personal identification number "PIN" set by the card owner at the time of issuance, and the cardholder's name "CHN" (Card Holder ′ S Nam
In addition to e), the cumulative calculation date, closing date, and payment date of the card usage fee are stored. On the other hand, in the transaction data memory 26, the date and transaction amount for each individual commodity transaction are stored one by one. For example, in the payment date in correspondence with the start date and the closing date stored in the card data memory 25, It is possible to calculate the total amount of payment. Further, the system control unit 21
Is connected to the connection terminal 17 via the interface unit 27. The card circuit configured by the system control unit 21 to the interface unit 27 is driven by the power supply voltage V _{DD from the} solar cell 14.

Next, FIG. 3 shows the flow of products and usage charges in a credit card system. When a cardholder purchases a product using a credit card, the store charges the payment company to the credit card issuing company. To do. Then, the card company pays a price corresponding to the billed amount to the store and debits the payment from the bank account of the card holder. In this case, the card company
For example, as shown in FIG. 4, the total amount of money from a preset start date to the closing date is accumulated, and the total amount is debited from the bank account of the cardholder on a predetermined payment date. It should be noted that, in the case of cash on delivery by the card company, it is premised that the bank account of the card holder has a deposit balance sufficient for the withdrawal amount.

Next, referring to FIG. 5 and FIG. 5, the operation when the cardholder himself / herself confirms the number of days until the next payment date and the amount of the payment by using the IC card 11 to which the present invention is applied This will be described with reference to the flowchart of FIG. In this case, it is assumed that the IC card 11 is a credit card and is used for product purchase.

First, when conducting a commodity transaction, in step A1, the cardholder presents the IC card 11 to the store operator. Then, in step A2, the owner of this card 11 is checked to see if it is a true card owner. That is, the cardholder
When you operate the PIN key 15 on the keyboard 12 to enter your own personal identification number, the PIN data entered by that key entry and the PIN of the true cardholder stored in advance in the card data memory 25 are controlled by the system. Part 21 compares and collates. When it is determined by the comparison and collation operation that the PINs match with each other, the system control unit 21 causes the display control unit 23 to display a personal OK message (OK!) On the display unit 13.
Then, the store operator sees the above-mentioned person OK message and confirms that the person who is currently holding the IC card 11 is the true cardholder.When this person check is completed, the process proceeds to step A3 and the A card check is performed to see if the card 11 is a legitimate card issued by an authorized card company. That is, for example, this card 11
When the card is installed in the card terminal installed in the store, the card issue number stored in the card data memory 25 and the card issue number stored in the computer of the card issuing company connected online via the card terminal are It is compared and collated, and here, when the card issue numbers of the two match, a card OK message is output on the display unit of the card terminal, for example, and the store operator sees the OK message displayed on the card terminal, this
Make sure that the IC card 11 is a valid credit card. In this way, when the validity of the card holder and the IC card 11 is confirmed, predetermined information exchange is performed with the card issuing company, and then the process proceeds to step A4, where the purchase amount of the product by the card holder and the date thereof are confirmed. For example, the transaction data memory 26 of the IC card 11 is written from the card terminal. Then, in step A5, the IC card 11
Will be returned to the cardholder and the credit card product transaction will end.

In this way, in order to confirm how much the cardholder should pay on the next payment date when the IC card 11 is frequently used for normal commodity transactions, first, see FIG. In step B1 in, the today's current date is key-operated by operating the keyboard 13, and the process proceeds to step B2 to operate the REF key 16. Then, the process proceeds to step B3, and in the card 11, it is determined whether or not the current date key-input in step B1 has reached the payment date of this month, that is, 10th day, and here N ( No), that is, the current date by the above key input is, for example, June 7,
If it is determined that the payment date is 10 days before, the process proceeds to step B4, and the next payment date from the current date, that is, the number of remaining days until June 10 is set as the payment date data stored in the card data memory 25. It is calculated by the calculation unit 24 based on this. Next, proceed to step B5, and the cumulative transaction period corresponding to the payment date of June 10 above, that is, individual transaction data from the start date (4/16) of the previous month to the closing date (5/15) of the last month. From the transaction data memory 26 based on the calculation date data and the closing date data stored in the card data memory 25, and the cumulative total of all transaction amounts within the period (4/16 to 5/15) is calculated in the arithmetic unit 24. To calculate. That is, in this case, the payment date (6 /
The total transaction amount that must be paid in 10) is calculated, and this payment amount together with the number of remaining days up to the payment date (6/10) already calculated in step B4 above,
It is displayed on the display unit 13 in step B6.

On the other hand, in step B3, Y (Yes), that is, the current date by the key input is, for example, June 13,
If it is determined that the payment date of 10 days has passed, step B7
Then, the calculation unit 24 calculates the number of remaining days from the current date to the next payment date, that is, the number of remaining days until the next payment date (7/10) based on the payment date data stored in the card data memory 25. Then, the process proceeds to step B8, and it is determined whether or not the current date (6/13) keyed in above is the closing date of this month, that is, June 15th. Here, N (No),
In other words, the current date entered by the above key input is June 13, so if it is judged that the deadline for June 15 has not been exceeded,
Proceed to Step B9, and store the individual transaction data from the start date (5/16) of the previous month to the current date (6/13) in the transaction data memory.
Based on the calculated date data stored in the card data memory 25 and the current date data input by the above key from 26, the total of all transaction amounts within the period (5/16 to 6/13) is calculated by the calculation unit 24 Calculate with. In other words, in this case, the total transaction amount used within the current accumulated payment period (5/16 to 6/15) is calculated, and this transaction amount has already been calculated in step B7 above. The number of remaining days until the payment date (7/10) calculated in step S6 is displayed on the display unit 13 in step B6.

Further, in step B8, Y (Yes), that is, the current date by the key input is 6
If it is determined that the date is 25th of the month and the closing date of June 15th is exceeded, the process proceeds to step B10, and the start date (5/1
Transaction data from transaction data memory 26 to card data memory 25 from 6) to the closing date of this month (6/15)
It is taken out based on the starting date data stored in and the current date data entered by the above key, and within that period (5/16 ~ 6 /
The calculation unit 24 calculates the cumulative total of all transaction amounts in 15). In other words, in this case, the total transaction amount that must be paid on the next payment date (7/10) is calculated, and this payment amount is the payment date (7/10 ) And the number of remaining days until () are displayed on the display unit 13 in step B6.

Therefore, it becomes possible for the cardholder to appropriately check the total amount of merchandise transaction amount corresponding to the next payment date together with the number of remaining days until the payment date, and to pay the card 11 within the range not exceeding his / her payment ability. Not only can it be used effectively, but it is possible to ensure that the card usage fee required for payment is prepared in advance by the payment date.

In the above embodiment, the IC card 11 itself is provided with the display unit 13 and is configured to display the cumulative transaction amount and the remaining number of days to be paid if necessary. It may be performed on the card terminal side.

In the above embodiment, the credit card is an IC card.
However, it is needless to say that a normal magnetic stripe card or the like can be applied to this card, for example.

[Effects of the Invention] As described above, according to the credit card of the present invention, when the card main body stores the date and transaction amount relating to each transaction and the current date is input, the next date is input from the input current date. The payment date is calculated, and all the transaction amounts traded on the date corresponding to the calculated next payment date and the corresponding cumulative transaction period are read out from the storage means and accumulated, and the input current date Than,
Since it is configured to calculate the total number of remaining days until the calculated payment date and display the accumulated total transaction amount and the calculated number of remaining days, the "card usage statement" sent to the payment date Not only that, you can always easily and accurately check the number of days until the next payment date and the payment amount that must be prepared on the next payment date by simply entering the current date.

[Brief description of drawings]

FIG. 1 is an external configuration diagram of an IC card 11 to which the present invention is applied as an embodiment, FIG. 2 is a block diagram showing a circuit configuration of the IC card in FIG. 1, and FIG. 3 is a product using a credit card. Fig. 4 is a diagram showing the flow of usage charges in transactions, Fig. 4 is a diagram showing the cumulative period of usage charges in product transactions using credit cards, and Figs. 5 and 6 are products using the IC card 11 described above. It is a flow chart which performs a transaction, a flow chart which shows the operation when confirming the number of remaining days until the next payment date with respect to the current date and the payment amount to be paid on the next payment date. 11 …… IC card, 12 …… Keyboard, 13 …… Display, 16
...... REF key, 21 ...... System control block, 24 ...... Calculation block, 2
5 …… Card data memory, 26 …… Transaction data memory.

Claims (1)

(57) [Claims] [Claim 1] All the transaction amounts traded in the cumulative transaction period between the start date and the closing date set every month are collectively set to the payment date set every month corresponding to the cumulative transaction period. In the credit card used for the credit system for settlement, the storage means for storing the date and transaction amount of each transaction, the input means for inputting the current date, and the current date input by this input means The calculation means for calculating the payment date of, and all the transaction amounts traded on the date corresponding to the cumulative payment period corresponding to the next payment date calculated by this calculation means are all read out from the storage means and accumulated. And a calculating means for calculating the calculated remaining days from the input current date to the next payment date, and the accumulated total transaction amount. Credit card, characterized in that from the computed the current day equipped with a display means for displaying the remaining number of days until the next payment date.