JP2002197382A - Credit card transaction system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To directly reflect the result of business effort for promoting the use of a credit card by member stores in calculating the transaction commission paid to a card company by the member stores in a credit card transaction system. SOLUTION: This credit card transaction system is formed by the member stores where card authentication terminals 10a to 10c are installed, a public line network 40, a central data processing center 20, card companies 60a to 60c and a card business integrated network system 50. The central data processing center is provided with a management server storing the member class information by each card member, and the card authentication terminal receives the member class information of the credit card member from the central data processing center every time the credit card is used. The member class information is determined by the card companies according to the card use status of the card member.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a transaction system using a credit card, and more particularly, to a credit card transaction system capable of calculating a transaction fee directly reflecting the business effort of a member store.

[0002]

2. Description of the Related Art A credit card transaction system is shown in FIG.
As shown in the figure, a number of card authentication terminals 10a to 10c installed in a member store and a plurality of card companies 60a to 60c
c and a card business integrated network system 50 for connecting these. The card business comprehensive network system 50 is a credit online system that performs credit card authentication and sales processing quickly and inexpensively.
AFIS.

Each of the card authentication terminals 10a to 10c has a CPU 11 for performing various operations and control, a ROM 12 for storing programs, and a RAM 1 for storing various data.
3. A member number and name for identifying a user who is a member of the authentication-required credit card, an expiration date for identifying whether the card is an invalid card, a card type, etc. (hereinafter, referred to as member information). Card reader 1 for reading
4, input means 15 such as a keyboard for inputting information such as a fee and a payment method, a display 16 for displaying an authentication result and the like, a printer 17 for printing out a usage amount and the like, and a card business comprehensive network system 50 Transceiver 18 for connection using public line
It is composed of

[0004] In a credit card transaction system, a member store pays a transaction fee to a card company. The transaction fee is an amount obtained by multiplying the card usage amount by the commission rate of the member store. For example, if the customer 1 makes a purchase of 10,000 yen using a credit card issued by Company A at a member store with a commission rate of 5%, the fee paid by the member store Y to the card company A is 500 yen. When the customer 2 makes a purchase of 2 million yen at the member store, the commission paid by the member store Y to the card company A is 100,000 yen.

[0005] As described above, the commission rate of the member store is proposed by the card company in consideration of the business type and creditworthiness of the member store at the time of the member store contract between the member store and the card company, and is agreed upon by both parties. It was done. The commission rate is generally between 2 and 7%. This fee rate is subject to revision at the time of contract renewal, but in reality, it is very difficult to reduce the commission rate.

For this reason, the commission paid from the member store to the card company increases as the card usage amount increases. If the use of cards at a member store increases, the performance of the member store will improve. Then, even if the commission is paid to the card company, the profit of the member store increases.

However, promotion of card use often depends on the sales efforts of member stores. Even within the same industry, there are significant differences in efforts to promote card use by merchants. If so, it is extremely problematic for merchants that their efforts to promote card use are not reflected in reducing transaction fees at merchants.

[0008] It is not realistic to think that member stores belonging to the same industry should work together to reduce the commission rate. The principle of the same commission rate in the same industry is a kind of regulation, and even if the commission rate differs according to the credit rating within the same industry, the above problem has not been solved.

[0009] In addition, a customer who is a card member cannot obtain a special service from a member store even if he or she frequently uses the card. At present, merchants do not provide any services, even for high-quality customers using cards. In such a conventional transaction fee calculation system, there is a problem that a customer who is a card member cannot obtain a detailed service from a member store.

[0010]

The first problem to be solved
An object of the present invention is to make a credit card transaction system directly reflect the result of the sales efforts made by the merchant to promote the use of credit cards in the calculation of the transaction fee paid by the merchant to the card company. A second problem to be solved is to enable a card member to receive a fine-grained service from a member store according to a credit card use situation in a credit card transaction system.

[0011]

A credit card transaction system for solving the above-mentioned problems is provided by a member store in which a card authentication terminal is installed, a central data processing center to which the card authentication terminal is connected by a public network, A card company in which a host computer is installed, a card business integrated network system for connecting the central data processing center and the card company online, and class information for each card member is stored in the central data processing center. Is stored, and each time a credit card is used by a card member, the card authentication terminal can receive the class information of the credit card member from the central data processing center.

[0012] The class information is determined by the card company based on the card usage status of the card member, is received from the card company by the central data processing center, and is stored in a data storage of the management server. It is stored in the device.

Further, the class information is transmitted from the central data processing center to the card authentication terminal together with an authentication result.

Further, the class information is a fee rate for each card member used for calculating a transaction fee of the member store.

Still further, the card authentication terminal is provided with a biometric sensor for identifying a card member based on biometric information, so that the specific accuracy of the card member is improved.

[0016]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS As shown in FIG. 1, a credit card transaction system according to an embodiment of the present invention comprises card authentication terminals 10a to 10c installed in a number of member stores and card authentication terminals 10a to 10c. A central data processing center 20 connected by a line network 40, host computers installed in a plurality of card companies 60a to 60c, a central data processing center 20, and card companies 60a to 60c
And a card business integrated network system 50, such as CAFIS, for connecting each host computer installed on the Internet online.

Each of the card authentication terminals 10a to 10c has a CPU 11 for performing various operations and control, a ROM 12 for storing programs, and a RAM 1 for storing various data.
3. Card reader 14 capable of reading the membership information of the credit card required authentication, input means 15 for inputting information such as fee and payment method, display 16 for displaying the authentication result, etc., and the usage amount etc. are printed out. Printer 17 and a transceiver 18 for connecting to a public line network 40.

Each of the card authentication terminals 10a to 10c is further provided with a biometric sensor 19 for identifying whether or not the card member is the principal. The biometric sensor 19 is realized by a fingerprint sensor, an iris sensor, a voiceprint sensor, or the like. Prevent unauthorized use of stolen credit cards.

The central data processing center 20 includes a settlement server 21 and a management server 22, and functions as a host computer for the card authentication terminals 10a to 10c. The central data processing center 20 further includes transceivers 23 to 25. The transceiver 23 allows the settlement server 21 and the management server 22 to communicate with the card authentication terminals 10 a to 10 c via the public line network 40. The transceiver 24 allows the settlement server 21 to communicate with the card companies 60 a to 60 c via the card business integrated network system 50. Further, the transceiver 25 causes the management server 22 to communicate with the card companies 60a to 60c via the public line network 40.

The settlement server 21 includes a central processing unit for performing various operations and control, a program storage device for storing programs, a data storage device such as a hard disk for storing various data, a display, a printer, and the like. .

The management server 22 also includes a central processing unit for performing various calculations and controls, a program storage device for storing programs, a data storage device such as a hard disk for storing various data, a display, a printer, and the like. .

Next, an example of a processing procedure from authentication to settlement of the credit card transaction system according to the present invention is shown in FIG.
This will be described with reference to FIG. First, the card authentication terminal 10a
The member information of the authentication required card issued by the card company 60a is read and stored in the RAM 13 (101). Subsequently, the card authentication terminal 10a transmits the member information to the central data processing center 20 (102). The settlement server 21 of the central data processing center 20 receives the membership information of the authentication required card issued by the card company 60a and stores it in the data storage device (103).

In step 103, the member information of the authentication required card is transferred from the settlement server 21 to the management server 22, and stored in the data storage device.

Subsequently, the settlement server 21 transmits the member information to the card company 60a through the card business integrated network system 50, and inquires whether the card specified by the member information is an invalid card. (10
4). The settlement server 21 receives the authentication result from the card company 60a and stores it in the data storage device (1).
05).

Subsequently, the settlement server 21 obtains the member class information of the authentication required card from the management server 22 and sends it to the card authentication terminal 10a via the public line network 40 together with the authentication result from the card company 60a. Send (106).

The card authentication terminal 10a receives the member class information and the authentication result, and stores them in the RAM 13 (10
7). Subsequently, the CPU 11 reads the authentication result from the RAM 13 and judges whether or not the card is an invalid card (108). If the card is not an invalid card, the authentication result is displayed on the display 16 (109). Further, the CPU 11 reads out the member class information from the RAM 13 and displays it on the display 16 in step 109. If the authentication required card is an invalid card, the process is terminated.

When step 109 is completed, settlement data such as the amount of money used and the number of payments is input by the input means 15 in the card authentication terminal 10a and stored in the RAM 13 (110). Subsequently, the card authentication terminal 10a
Transmits the member card information and the settlement data to the central data processing center 20 (111).

The settlement server 21 receives the membership card information and the settlement data and stores them in the data storage device (112). Subsequently, the settlement server 21 transmits the member card information and the settlement data to the card company 60a via the card business integrated network system 50 (113). Subsequently, the settlement server 21 receives the settlement completion data from the card company, stores it in the data storage device (114), and transmits it to the card authentication terminal 10a via the public line network 40 (115). .

The card authentication terminal 10a receives the payment completion data and stores it in the RAM 13 (116). Then, C
The PU 11 controls the printer 17 to print the card usage statement and the receipt, such as the settled amount of money and the payment method (117). When step 117 is completed, all processing ends.

As described above, in the credit card transaction system according to the present invention, the central data processing center 20
The management server 22 installed therein receives, via the public line network 40, the member class information of the card member set by the card company from the card company 60a, and stores it in the data storage device. Similarly, the management server 22
Receives the member class information of the card members set by the card company b and the card company c via the public line network 40 and stores them in the data storage device.

The member class information stored in the data storage device of the management server 22 is transmitted from the central data processing center 20 to the card authentication terminals 10a, 10b, and 10c.
Sent every time a credit card is used.

At the member store where the card authentication terminal 10a is installed, the member class information of the customer who is a member of the authentication-required credit card is obtained by the above-described procedure before the credit card settlement process is started. Therefore, from the member class information, it is possible to know whether or not the member of the credit card is a good customer.

Therefore, at the member store where the card authentication terminal 10a is installed, when the credit card settlement is completed and the credit card is used to give the credit card usage statement and the receipt to the customer, a discount ticket is given to the high-quality customer. We can provide fine-grained services such as providing free parking tickets and small gifts.

Next, calculation of a transaction fee in the credit card transaction system according to the present invention will be described.
Member class information is, for example, class A is the best member for the card company, class F is a new member less than one year, A,
Classes of six stages of B, C, D, E, and F are allocated to card members. And A, B, C, D, E,
The rate for calculating the transaction fee corresponding to each of F, ie, the commission rate for each card member is 2%, 3%, 4%, 5%, 6
%, 7%.

The above-mentioned membership class information is determined by analyzing a huge amount of past data and performing simulation so that the card company can benefit all members, member stores, and card companies.

In the credit card transaction system according to the present invention, instead of the commission rate set for each member store,
Using the member class information determined as described above, that is, the commission rate for each card member, the transaction fee for each member store is calculated.

The calculation of the transaction fee for each member store is performed by the management server 22 of the central data processing center 20.
The management server 22 includes a central data processing center 20.
This is because the transaction information and the member class information necessary for calculating the transaction fee of the member store that uses the service are all stored.

It is needless to say that the transaction fee of a member store where a high-quality card member of class A or class B visits the store is smaller than the conventional commission rate for each member store. In other words, the merchant's efforts to promote card use are directly reflected in transaction fees.

[0039]

According to the present invention, the fee paid by the member store to the card company is calculated based on the card member's member class information set in accordance with the card use situation, so that free competition within the same industry is performed. Has led to the activation of sales. In other words, the member stores will promote the use of cards more aggressively and endeavor to acquire and retain high-quality customers. As a result, merchants will benefit from increased sales as well as lower commissions. Also,
Customers will be able to receive detailed services from member stores. Moreover, the card company can increase the total commission income by appropriately setting the card member's member class information.

[Brief description of the drawings]

FIG. 1 is a configuration diagram of an embodiment of a credit card transaction system according to the present invention.

FIG. 2 is an example of a flowchart showing a flow from authentication to settlement of the credit card transaction system according to the present invention.

FIG. 3 is a configuration diagram of a conventional credit card transaction system.

[Explanation of symbols]

 10a, 10b, 10c Card authentication terminal 11 CPU 12 ROM 13 RAM 14 Card reader 15 Input means 16 Display 17 Printer 18 Transceiver 20 Central data processing center 21 Payment server 22 Management server 23, 24, 25 Transceiver 40 Public line Network 50 Card business comprehensive network system 60a, 60b, 60c Card company

Claims (5)

[Claims] 1. A member store in which a card authentication terminal is installed, a central data processing center to which the card authentication terminal is connected by a public line network, a card company in which a host computer is installed, A credit card transaction system comprising a card business comprehensive network system for connecting a center and the card company online, the central data processing center comprising a management server in which class information for each card member is stored; A credit card transaction system wherein the card authentication terminal receives class information of a member of the credit card from the central data processing center every time a credit card is used. 2. The class information is determined by a card company based on the card usage status of a card member, is received by the central data processing center from the card company, and is stored in the management server. The credit card transaction system according to claim 1, wherein the credit card transaction system is stored in a data storage device. 3. The credit card transaction system according to claim 1, wherein the class information is transmitted from the central data processing center to the card authentication terminal together with an authentication result. 4. The credit card transaction system according to claim 1, wherein the class information is a fee rate for each card member used for calculating a transaction fee of a member store. 5. The credit card transaction system according to claim 1, wherein said card authentication terminal is provided with a biometric sensor for identifying a person based on biometric information.