JP2004086580A - Registration system and method for payment credit card - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a system and method for registering payment credit card information on providers to allow users to periodically pay the providers charges for usage with credit cards in accordance with given contracts with the providers, facilitating registration of users themselves and avoiding trouble due to errors in writing and registration. <P>SOLUTION: The registration system allows registration on the providers for the charges for usage to be paid with the credit cards. The registration system receives provider specifying information, contract specifying information, credit card information and credit card password input from terminals and transmits the contract specifying information and the credit card information to contract management systems for the providers. The contract specifying information and the credit card information are registered in the contract management systems for the providers. <P>COPYRIGHT: (C)2004,JPO

Description

[0001]
[Technical field to which the invention belongs]
The present invention provides a credit card for electricity, gas, water, telephone, mobile phone, newspaper, magazine reading, insurance premiums, cable television, sports clubs, schools, English conversation, etc. The present invention relates to a technology of a system for registering credit card information to a business contracted for paying by credit card.
[0002]
[Conventional technology]
For example, there are two ways to pay mobile phone basic contract fees and call charges, such as automatic transfer from the subscriber's bank account every month, or transfer payment from a bank or convenience store (hereinafter referred to as “convenience store”). In addition to the payment method, a payment method using a credit card can also be handled.
[0003]
There is no need to take any special procedures in advance when using bank transfer from a bank or convenience store.However, in actual payment, subscribers need to go directly to a bank or convenience store with a monthly payment statement and cash. However, due to lack of convenience, there was also a problem that payment could not be completed by the due date depending on the convenience of the subscriber.
[0004]
In the method of automatic transfer from the subscriber's bank account, at the time of enrollment contract or after the contract, register the bank account for payment with the mobile phone company and stamp the account registration seal with the designated bank A request form must be sent to request verification of the registration seal and confirmation of the account. It may take several months for the automatic transfer procedure to be completed, and there is a problem of lack of promptness.
[0005]
The procedure for paying the mobile phone usage fee by credit card is as follows: When signing up with a mobile phone company, enter the credit card number for payment in the enrollment contract or, if you have already subscribed, You can go to the company shop and fill in the credit card number on the prescribed form and carry out the procedure, or ask the service center of the mobile phone company to send the prescribed form and fill in the credit card number and mail it to process. is there.
[0006]
In any case, the mobile phone company that has received the enrollment contract or the prescribed form with the credit card number entered will ask the credit card company whether the credit card can be used, and there is no problem with the credit card After confirming this, the credit card number is registered in the system for managing the company's subscription.
[0007]
The inquiries to the credit card company and the input to the company's own system are performed by human work, so there are problems such as errors in entering the credit card number and troubles due to insufficient identification of the credit card. Was.
[0008]
These problems are not limited to the case of mobile phones, payment of sports club dues, payment of electricity bills, payment of gas bills, payment of newspaper bills, payment of subscription fees for magazines, etc. Payment of insurance fees, payment of tuition fees at study schools and culture centers, payment of school meals, payment of national health insurance, payment of national pension insurance, etc. Includes all cases where payment is made on a regular basis.
[0009]
[Problems to be solved by the invention]
Provided is a system and method for registering credit card information for payment to a business operator in order for a user to periodically pay the usage fee to the business operator with a credit card based on a predetermined contract with the business operator. It is another object of the present invention to allow a user to register the information by an easy method and to eliminate troubles caused by erroneous writing or registration errors.
[0010]
[Means for solving the problem]
Means for solving the above problem is a method of registering payment of a usage fee with a credit card to a business operator, wherein the business operator identification information, contract identification information, credit card information, The credit card information registration system for payment receives the personal identification number of the credit card, the registration system verifies the validity and identity of the credit card to the credit card management system, and based on the result of the confirmation, manages the contract of the business operator. The contract identification number and the credit card information are transmitted to the system, the credit card information is registered in association with the contract identification information in the contract management system of the business, and the usage fee after registration can be paid by the credit card. To register credit card information for payment to the business operator, and This is a method of registering credit card information for paying a usage fee or the like to a contracted business operator using a credit card. The method includes registering business operator identification information, contract identification information, payment credit card information, and password. The number is input to the credit card information registration system for payment, and the credit card information registration system for payment, which has received the input of the information, stores the input information in a storage unit in a registration procedure unit, and stores the input information for the payment. Inquires of the credit card company system whether the credit card is valid based on the credit card information and the password, and when the result of the validity of the credit card is received from the credit card company system, the registered business Contract identification information and payment credit card information A credit card information registration method for payment, characterized in that the received credit card information for payment is registered in the system of the business operator in association with the contract identification information, and terminal number storage means for storing the terminal number. Means for reading the terminal number from the terminal number storage means, means for reading the record information of the credit card or means for receiving the credit card information, means for inputting the personal identification number of the credit card, means for specifying the business operator or input. Means for inputting contract specifying information or means for reading contract specifying information from a card or means for receiving contract specifying information from another device by short-range communication, and means for determining a processing sequence number of the registration processing, Processing date management means for managing the processing date; time management means for managing the processing time; Means for creating payment credit card registration data from record information, a password, a business and contract identification information, a processing serial number, a processing date, and a processing time, and transmits the created payment credit card registration data to a central processing system. Means, means for receiving registration result data from the central processing system, means for displaying a registration result on a screen based on the received registration result data, and means for printing out a document recording the processing result. Payment credit card information registration processing system, registration processing of payment credit card information connected to a plurality of terminal devices in a communicable manner and communication means with a credit card company system and a business operator system An information processing system for performing payment from a terminal device to a credit card for payment. Means for receiving payment credit card registration data including a credit card number and a PIN of a credit card, and necessary for the credit card company system from the received payment credit card registration data for validity and identity verification of the credit card. Means for sending credit card validity and identity verification, means for receiving a confirmation result from a credit card company system, and means for transmitting information to a business operator system when the received confirmation result is valid. Means for transmitting payment credit card registration data, means for receiving a notification of completion of registration of payment credit card information based on the data from the system of the business operator, and means for receiving the completion notification to the terminal device. Means for notifying completion of processing An information processing system for registering credit card information and a credit card company system that works in cooperation with an information processing system for registering credit card information for payment, and performs a registration process for credit card information for payment. Means for receiving information necessary for the validity and identity verification of the credit card from the information processing system, and that the credit card is valid based on the received information and the password of the received credit card A credit card company comprising: means for confirming a match; and means for notifying, when the result of the confirmation is valid, an information processing system for registering payment credit card information, to that effect. System, credit card is valid and PIN A credit card company system having means for transmitting the name and / or address of the credit card owner to an information processing system for registering credit card information for payment, a means for receiving credit card information, A means for receiving information of the predecessor, a means for receiving contract identification information, a means for receiving identity verification information, a means for checking the validity of the credit card, a means for verifying the identity, and a method for verifying the validity of the credit card. A credit card information registration system for payment, characterized by having a means for associating the credit card information with the contract identification information and registering the credit card information when both the means for confirming and the means for confirming the identity are judged to be valid. Including.
[0011]
[Embodiment of the invention]
The embodiment for explaining the present invention is an example of a registration method and a registration processing system in which a business operator is a mobile phone company and the subscriber pays a mobile phone fee to the mobile phone company by credit card. And
[0012]
FIG. 1 is an overall view of the system of the present invention. Is a credit card, 02. 10. is a device capable of short-range communication in which credit card information is stored; Is a processing terminal device; Means card reading means; Means communication means; Means card information receiving means; Is input means; Means registration data creation means; Is information storage means, 16a. Is a data storage for registration, 16b. Is a date / time storage unit, 16c. Is a terminal number storage unit; Is output means; Printing device, 20. Is a communication network; Is a host system that manages a plurality of processing terminal devices and processes data communication with other businesses. Are communication means; Is terminal confirmation means; Is a card company confirmation means; Means card validity inquiry means; Is the operator confirmation means; Is registration data transmission means; 37a. Is a terminal management file, 37b. Is a card company file, 37c. Is a business file. Is a credit card company system. Are communication means; Means card validity checking means; Indicates storage means, and 43a. Is a credit card file, 43b. Is a password file, 50. Is a mobile phone company system. Are registered data receiving means; Is subscriber information confirmation means; Means credit card information registration means; A storage means, 54a. Is the subscriber file, 54b. Is a payment management file.
[0013]
FIG. 2 shows a data file of each system used in the system of the present invention. Is a data file for registration, 101. Is a terminal number entry column; Is a column for describing a processing date; Is a time entry field; Is a section description column for identifying a process; Is a column for describing a processing sequence number; Is a column for describing a contract number; Is a credit card number entry column; Is a code number entry column, and 110. Is a date / time information file. Is a date field, 112. Is a time column, 120. Is a terminal number file. Is a terminal number entry column, 122. Manufacturer description column, 123. Is a model description column; Production number column, 200. Is a terminal management file; Is a terminal number entry column, 202. Is an installation location entry column, 203 is a manufacturer entry column, 204. Indicates a model description column, and 205. Is a serial number description column, 210. Is a card company file, and 211. Is a company code description column, 212. Is the credit card company name entry field, 213. Indicates a communication system description column, and 220. Is a business file, and 221. Is a business code description column, 222. Is the cell phone company name entry field, 223. Communication method description column, 300. Is a credit card file and 301. Is a credit card number entry column, 302. Is a name entry column, 303. Is a column for date of birth, 304. Is an address entry column, 305. Is an accident information entry column, 306. Is an expiration date entry column, 310. Is a password file 311. Is a credit card number entry field, 312. Is a password entry field, 400. Is a subscriber file and 401. Is a cell phone number entry column, 402. Is a column for describing a subscriber name; Column of date of birth, 404. Is an address entry column, 410. Is a payment management file; Is a cell phone number entry field, 412. Is a column for payment classification, 413. Is a credit card number entry column.
FIG. 3 is a flowchart of a process for executing the present system.
[0014]
The subscriber of the mobile phone is a processing terminal device 10. Input means of 14. , The mobile phone company information and the mobile phone number are inputted, and the card reading means 11. From credit card 01. Of the credit card 01. Enter the personal identification number corresponding to, and register the credit card. In addition, the device 02. You can also input credit card record information and password. In this case, the mobile phone company information is specified by the user selecting from the screen of the processing terminal device, and the mobile phone number is used as contract identification information with the phone company.
[0015]
Processing terminal device 10. Indicates the inputted mobile phone company information, mobile phone number, personal identification number, and card reading means 11. A registration serial number is added to the registration processing based on the record information of the credit card read by the user, and further, a registration date is created by adding a processing date, a processing time, a terminal number, a processing category, and the like. . And the host system 30. Communication means 12 To send through.
[0016]
Terminal processing device 10. 30. Host system that has received registration data from In the storage means 37. Terminal management file 37a. To see if it exists.
[0017]
When the terminal number is confirmed, the credit card company is determined based on the credit card number in the registration data, and the card company file 37b. After confirming whether or not the credit card company is registered in the credit card company system 40. And inquire about the validity of the credit card.
[0018]
Host system 30. 40. A credit card company system that has received an inquiry about the validity of a credit card from Then, the storage means 43. Credit card file 43a. It is checked whether the credit card number has been registered, whether there is no record of accident information, whether the expiration date has passed, etc., and if there is no problem, the personal identification number file 43b. Is collated with the password recorded in the password number entry column 312 of the host system 30. Reply to
[0019]
Credit card company system 40. If the credit card is valid as a result of inquiring the validity of the registration data, the system of the cellular phone company 50. The mobile phone number and the credit card number are sent to.
[0020]
Host system 30. 50. A mobile phone company system that has received a mobile phone number and credit card number from Then, the storage means 54. Subscriber files 54a. After confirming with the payment management file 54b. The credit card number.
[0021]
50. Mobile phone company system Is completed, the host system 30. Is transmitted to the host system 30. Is the terminal device 10. The terminal processing device that notifies the completion of the registration processing to the terminal processing apparatus 10. Outputs the result of the registration processing to the subscriber. And the process ends.
[0022]
A password file 43b. Held by a credit card company system for confirming the matching of credit card PINs. Is a credit card file 43a. Although the case of another file is shown, the credit card file 43a. Is recorded in the credit card file 43a. You can also just confirm.
[0023]
In the present embodiment, the system 50. The credit card number for payment registered in the payment management file 54b. Is registered in the subscriber file 54a. The credit card number for payment may be registered in the.
[0024]
By registering the payment credit card number with the mobile phone company in this way, instead of charging the subscriber for the mobile phone usage fee, the credit card company is charged as a credit card usage fee, The company pays the mobile phone company on behalf of the subscriber.
[0025]
The subscriber can pay the mobile phone fee to the credit card company together with the normal credit card usage.
[0026]
With this system, it is possible to change the registered payment credit card to another credit card.
[0027]
Further, since the registration process is completed on the spot, it is possible to surely know from what charge the payment can be made by the credit card, so that the user can easily make plans for various payments.
[0028]
As an embodiment of the present invention, the case where the business operator is a mobile phone company has been described. However, as the business operator of the present invention, electric power companies, gas companies, waterworks bureaus, sports clubs, learning schools, culture schools, newspaper sales, etc. Stores, English conversation schools, and the like are applicable, and there is a credit card information registration process in the case where the user pays these usage fees, usage fees, and the like with a credit card.
[0029]
In addition, the terminal processing device and the host system that perform the registration process are a multifunctional terminal device and its host system installed in a convenience store or the like, an ATM device and its host system of a financial institution, and an ATM device of a credit card company. The host system is applicable, but in the case of the ATM device of the credit card company and the host system, the process of inquiring the credit card company system about the validity of the credit card is performed if the credit card company system executes itself. As a result, the overall processing time is reduced.
Of course, if the credit card for payment is another company's credit card, it can be implemented as the same system form as that of the present embodiment.
[0030]
【The invention's effect】
According to the present invention, a user can register for payment by a credit card with a simple procedure for a processing terminal, so that there is no inconvenience such as going directly to a bank or a convenience store with a monthly payment statement and cash to pay. Or, send a bank transfer request form with the account registration seal stamped to the bank, request verification of the registration seal and account confirmation, etc., or a contract for credit card company as a procedure for paying with a credit card There is a convenience that the user does not need to enter a credit card number for payment or to enter a credit card number on a predetermined form and perform a procedure. In addition, there is no need to inquire the credit card company in the conventional method and input the information manually to the merchant system, so that there are no errors in inputting the credit card number or trouble due to insufficient identification of the credit card. Will be resolved.
[Brief description of the drawings]
FIG. 1 is an overall view of a system of the present invention. FIG. 2 is a diagram showing data files of each system used in the system of the present invention. FIG. 3 is a flowchart of a process for executing the present system.
10. Processing terminal device 20. Communication network 30. 40. A host system that manages a plurality of processing terminal devices and processes data communication with another business entity. Credit card company system 50. Mobile phone system

Claims (7)

A method of registering a payment of a usage fee with a credit card to a business operator, wherein the business operator identification information, the contract identification information, the credit card information, and the personal identification number of the credit card input from the terminal device are used as a credit card for payment. The information registration system receives the information, the registration system verifies the validity and identity of the credit card with the credit card management system, and based on the result of the verification, the contract management system of the business operator has a contract identification number and the credit card information. And register the credit card information in association with the contract identification information in the contract management system of the business, and provide the payment credit card information to the business to enable the use fee after registration to be paid by the credit card. How to register. This is a method of registering credit card information for paying a usage fee or the like by credit card to a business contracted by a customer, and includes a business identification information of a registration destination, contract identification information, and credit card information for payment. And the personal identification number are input to the payment credit card information registration system, and the payment credit card information registration system that has received the input of the information stores the input information in a storage unit in a registration procedure unit, and stores the input information. Inquires of the credit card company's system whether the credit card is valid based on the credit card information for payment and the password, and when the result of the validity of the credit card is received from the credit card company's system, the registration is made. Contract specific information and credit card for payment to the system of the business operator Sends a broadcast, payment credit card information registration method for which is characterized in that to register the payment credit card information for that was the received related to the contract specific information to the operators of the system. A terminal number storage unit in which a terminal number is stored, a unit for reading a terminal number from the terminal number storage unit, a unit for reading recorded information of a credit card or a unit for receiving credit card information, and inputting a password of a credit card Means, means for specifying or inputting a business entity, means for inputting contract specifying information or means for reading contract specifying information from a card, or means for receiving contract specifying information from another device by short-range communication; Means for determining the processing sequence number of the registration processing, processing date management means for managing the processing date, time management means for managing the processing time, credit card record information and personal identification number, business and contract identification information and processing serial number Means for creating credit card registration data for payment from the processing date and the processing time; Means for transmitting the payment credit card registration data to the central processing system, means for receiving registration result data from the central processing system, means for displaying a registration result on a screen based on the received registration result data, A payment credit card information registration processing system, comprising means for printing out a document on which the processing result is recorded. An information processing system which is connected to a plurality of terminal devices in a communicable manner and performs registration processing of credit card information for payment via a communication means with a system of a credit card company and a system of a business operator, A means for receiving credit card registration data for payment including a credit card number and a credit card PIN; and a system for a credit card company for checking the validity and identity of the credit card from the received credit card registration data for payment. Means for transmitting necessary information to inquire about the validity and identity of the credit card, means for receiving a confirmation result from a credit card company system, and a system for a business operator when the received confirmation result is valid. Send credit card registration data for payment to Means for receiving, from the system of the business operator, a notice of completion of registration of credit card information for payment based on the data, and means for notifying the terminal device of the completion of processing based on the reception of the notice of completion. An information processing system for performing registration processing of payment credit card information. A credit card company system that works in conjunction with an information processing system that performs registration processing of payment credit card information. The information processing system that performs registration processing of payment credit card information is used to check the validity and identity of the credit card. Means for receiving necessary information for the credit card; means for confirming that the credit card is valid based on the received information; and means for confirming the coincidence of the received password of the credit card. A system of a credit card company, comprising means for notifying an information processing system which performs registration processing of credit card information for payment when it is valid. Means for transmitting the name and / or address of the credit card holder to an information processing system for registering payment credit card information when the credit card is valid and the passwords match. A credit card company system according to claim 5. Means for accepting credit card information, means for accepting information of a registered business operator, means for accepting contract identification information, means for accepting identity verification information, means for confirming the validity of a credit card, and confirming the identity And a means for registering the credit card information in association with the contract identification information when both the means for confirming the validity of the credit card and the means for confirming the identity are determined to be valid. Credit card information registration system.

Images