JP2005115490A - Early reduction system for credit card claim - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an early reduction system to a credit card member store by takeover of a credit card claim using factoring capable of increasing versatility of a credit card. <P>SOLUTION: A settlement server determines creditability of a customer, based on credit information of the customer input from a terminal, to generate a claim information, a reception part receives the claim information from the settlement server, a conversion part calculates at least a securitization commission based on the claim information, a communication part communicates with a system of a financial institute to securitize the claim information, and transmits the securities information as to the securities to the terminal, and further the communication part transmits the securities information to the settlement server. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

  The present invention relates to securitization of credit receivables, and relates to an early credit reimbursement system that performs an early return to a credit member store using an aggregation server in a settlement system.

  The number of credit cards issued in Japan has reached 2459.59 million as of March 2002, and the current credit industry market has exceeded 74 trillion yen (fiscal 2002), leading the new century in the future. It has become a huge industry. Among them, the handling amount of sales credit by credit card shopping etc. exceeds 35 trillion yen.

  There are a wide range of dealers such as credit sales companies, bank credit companies, consumer finance companies, private finance companies, distribution credit companies, department stores, service retailers, etc. Offering products.

  This card shopping is done about 30 to 50 days after the actual payment is made, so that it is possible to shop for the future income, or the card shopping It has gained popularity among consumers due to the fact that it is possible to obtain special privilege services and point services, and it is not necessary to carry cash.

  FIG. 5 shows a flow of settlement of a shopping price using a conventional credit card.

  First, in a credit card member store 1a, when a customer uses a credit card, transaction data such as a credit card number, a purchase amount, and a payment method are input from the terminal device 1.

  This transaction data is transmitted to a credit card company's credit settlement server 3 directly or via a settlement network server 2 such as CAFIS (credit and finance information system) via a data transmission line such as an electronic communication line. .

  The credit settlement server 3 performs credit settlement based on the transmitted transaction data and credit authentication data such as confirmation of a credit limit or check of an invalid card which the self has or sent from the settlement network server 2 such as CAFIS. Judgment processing of whether or not to perform is performed.

  If the credit card is approved as a result of the determination process of the credit card settlement, the credit settlement is performed. On the other hand, when the credit settlement is rejected, the fact is sent to the terminal device 1 installed in the credit member store 1a via a data transmission line such as an electronic communication line, and the settlement by the credit card is rejected.

  When credit payment is made, payment information is confirmed and payment is made to the credit card member store.

  However, in the conventional system, a credit card member store takes about 30 to 50 days to cash the transaction information, and this period is in the state of accounts receivable. Therefore, until this account receivable is settled, the credit card member store has a disadvantage that it cannot be used as liquidity funds. In particular, for merchants in industries with large cash purchases, this increase in accounts receivable is a major problem for merchants, leading to a decrease in liquidity at hand. Due to these factors, there were cases where it was a great obstacle to increase the number of credit card member stores.

  The present invention has been made in view of the circumstances as described above, and an object of the present invention is to collect a credit receivable by a totaling server immediately after a customer uses a credit card and the credit card receivable is confirmed. By securitizing, it will be possible to supply the credit card merchant within 2 to 3 days from the date of credit receivable, collect the funds quickly and make it self-funded in a short period of time. Provide an early return system to credit card merchants by purchasing credit card receivables using factoring that enables increasing the versatility of credit cards.

  The present invention relates to a credit card receivable early return system, and an object of the present invention includes a terminal when using a card connected via a telecommunication line, a settlement server, and an aggregation server, A credit information database in which credit information about credit of a customer using a credit card is stored, an identification database in which identification data of the credit card is stored, and the credit card transmitted from the terminal by the identification data A distribution unit that distributes payment information; and a credit unit that performs credit of the payment information distributed using the credit information and generates bond information, and the aggregation server transfers the bond information to the payment server And the securities information after the credit information is securitized from the financial institution system. And a communication unit that calculates at least a fee for performing securitization from the bond information, and a communication unit that transmits the bond information to the financial institution system and transmits the securities information to the terminal. Achieved by having

  The present invention is a long-term situation of accounts receivable, which has been a problem in the past, by collecting fees, etc. for fixed receivables confirmed at credit card merchants by a totaling server and securitizing in a financial institution system Can be eliminated, leading to the liquidation of bonds.

  As a result, it is possible for merchants to use the funds as liquidity on hand by short-term securitization of trade receivables, thereby further opening up the possibility of using credit cards.

  The present invention is a credit card receivable early return system for early securitization of receivables settled by a credit card made at a credit card member store.

  Hereinafter, it demonstrates using drawing.

  FIG. 1 is a block diagram showing the entire system.

  This system has a credit card member store, a terminal 1 where payment information is input, a payment server 2 connected to the terminal 1 via electronic communication means, and the payment server via electronic communication means. It has a totaling server 3 that totals the transmitted customer bond information and a financial institution system 4.

  Here, the payment information is information on a product including at least customer information of a credit card user and a usage amount. The settlement information becomes bond information when credit is given by the settlement server 2, which will be described later.

  FIG. 2 is a configuration diagram of the settlement server 2.

The payment server 2 distributes the credit information to the payment information transmitted from the terminal 1, the credit database 23 in which the credit information corresponding to each customer is stored, and the card company. The distribution unit 22 includes a distribution database 24 in which identification data of each card is stored.
There are a plurality of settlement servers 2, and each server has various processing methods.

  FIG. 3 is a configuration diagram of the aggregation server 3.

  The aggregation server 3 receives the bond information transmitted from the settlement server 2 and receives the securities information transmitted from the system 4 of the financial institution, and the membership having at least the terminal 1 based on the bond information. A conversion unit 32 that calculates a store fee and a securitization fee; a transfer destination database 34 that stores information for selecting which of the systems 4 of a plurality of financial institutions to transfer a bond; It consists of a notification unit 33 that transmits bond information to an institution, notifies securities information to a member store having the terminal 1, and notifies the settlement server 2 or each card company of a credit change.

  Hereinafter, the flow of this system using the above configuration will be described.

  FIG. 4 is a flowchart showing the overall flow of the present system.

  First, credit card settlement is performed using a credit card from the terminal 1 provided in the member store (step S101). In this case, payment information is generated by inputting credit card information to the terminal 1 and further inputting product information including price information. The generated payment information is transmitted to the payment server 2 to obtain credit (step S102).

  In the payment server 2 to which the payment information is transmitted, the payment information is credited using the credit unit 21 and the distribution unit 22 (step S103). First, the credit information stored in the credit database 23 is specified by comparing the card usage information included in the payment information with the credit database 23 in which the card identification data is stored, and the credit unit 21 determines the credit information and the credit information. This is done by referring to information.

  As a result, if credit is not given to the payment information, the process ends. If credit is given, the payment information is confirmed (steps S104 and S105).

  When the payment information is granted and confirmed, information indicating that the payment information is confirmed is transmitted to the terminal 1 (step S106). By confirming the settlement information, the terminal 1 completes the credit settlement, and the settlement information becomes bond information. The bond information is determined when the payment server 2 obtains information on completion of credit payment from the terminal 1 (step S107).

  When the bond information is confirmed, the settlement server 2 updates the credit database 23 described above and stores the bond information (step S108). The credit information includes merchant information that owns the terminal 1, card information of a customer who owns the card, and product information of a product including price information.

  The settlement server 2 receives the receivable information and updates the credit database 23, and then transmits the receivable information to the totaling server 3 and the credit card company using the distribution card 24 by the distribution database 24. Received by the receiving unit 31 (step S109).

  The received bond information is sent to the conversion unit 32, and at least the member store fee and the securitization fee are calculated (step S110). In this case, the conversion unit 32 selects an optimal transfer destination from the transfer destination database 34 storing the transfer destination of bond information, and calculates a fee for securitization in the system 4 of the financial institution. Furthermore, it is possible to calculate fees for securitizing bond information from member stores.

  In addition to calculating the securitization fee for the receivable information, the conversion unit 32 can also obtain the delayed debt information from the credit company and calculate the collection fee when performing the collection.

  Still further, the collection of charges by credit card when paying public charges can be realized by calculating a fee in this conversion unit 32, and faster securitization can be realized.

  The bond information calculated for the fee is communicated with the system 4 of the financial institution through the communication unit 33, and the bond information is securitized (step S111). This is because securitization is performed by the communication unit transmitting bond information to the financial institution system 4 selected from the transfer destination database 34 described above.

  The securities information after the securitization is performed is received by the receiving unit 31 (step S112). Based on the received securities information, the communication unit 33 notifies the affiliated store of the terminal 1 that securitization has been performed (step S113), and further securitization is performed to the card issuing card company or the settlement server 2. Notify information that has been done.

  In this system, it has been explained that securitization is performed based on the received bond information. However, the system dedicated card can be issued by the aggregation server 3 having a card issuing function.

  Further, it is possible to promote more comprehensive bond creation by integrating the terminals 1 by industry.

It is an example of the structure of this system regarding this invention. It is an example of the structure of the payment server regarding this invention. It is an example of a structure of the total server regarding this invention. It is an example of the flowchart regarding this invention. It is the flow of payment of the shopping price by the conventional credit card.

Claims (1)

A terminal when using a card connected via a telecommunication line;
A payment server;
Including a summary server,
The payment server
A credit information database storing credit information about credit of customers using credit cards;
An identification database in which identification data of the credit card is stored;
A distribution unit that distributes payment information by the credit card transmitted from the terminal by the identification data;
A credit unit that credits the settlement information distributed using the credit information and generates bond information;
The aggregation server is
A receiving unit that receives the bond information from the settlement server and receives securities information after the bond information is securitized from a financial institution system;
A conversion unit for calculating a fee for performing securitization at least from the bond information;
A credit card bond early return system comprising: a communication unit that transmits the bond information to the financial institution system and transmits the securities information to the terminal.

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