JP2006040062A - Card-processing system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a card-processing system allowing a user oneself to easily set a desired user use limit amount, in addition to a card issuer use limit amount set by a card issuing company and to operate it. <P>SOLUTION: In this card-processing system processing a credit card usable for price settlement of shopping in a store or the like, the user oneself sets the user use limit amount on a settlement management server of the credit company by the use of a personal computer and Internet communication in addition to the card issuer use limit amount set by the card-issuing company. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to a card processing system for processing a credit card that can be used for, for example, a payment for a purchase in a store or the like.

  In recent years, payments using credit cards have come to be used not only at stores, but also for payments for shopping overseas, payments for Internet usage, and withdrawals of telephone charges that occur regularly. I came. In this way, it has been widely used as a convenient payment method, and the amount of credit card usage has been increasing year by year. In the credit card company, the credit card company itself sets the usage limit according to the credit information of the user, but there is nothing that the user can set the usage limit.

However, even if the accumulated amount of usage for a certain period (one month as an example) exceeds the payment capability at that time, the usage is within the credit card company's usage limit. If so, you could shop with a credit card, and there was a risk that you couldn't pay on the designated payment date.
On the other hand, problems such as counterfeiting and theft of credit cards have also occurred, and there is a risk that the credit limit will be used by other people up to the usage limit set by the credit card company without the user's knowledge.

In order to solve such a problem, a technique has been developed for storing a usage limit that can be set by a user in an IC card used as a credit card (see, for example, Patent Document 1).
Japanese Patent Laid-Open No. 3-198153

  However, in the method of setting and storing the usage limit in the IC card (credit card), even if the usage limit is set in the person's IC card, the IC card with a large usage limit is forged, If it is used in a place where it is not noticed, it may not make sense, and there is a problem with security.

  Accordingly, the present invention provides a card processing system that allows a user to easily set and operate a desired user usage limit separately from a card issuer usage limit set by a card issuing company. Objective.

  The card processing system according to the present invention includes a card possessed by a user and recorded with data necessary for using the card and identification information unique to the user, and possessed by the user and processes the card. Card issuer and card issuer limit set by the card issuer in correspondence with the identification information unique to the user, which is installed in a card issuer, etc. And a management device having storage means for storing a user usage limit amount that can be set by the user and storing a cumulative usage amount for a certain period of time, the card The processing device reads to the management device card reading means for reading identification information unique to the user from the card, and user-specific identification information read by the card reading means. First management means for transmitting, and the management device receives first identification means unique to the user transmitted by the first transmission means of the card processing device; A first determination means for determining the legitimacy of the user by comparing the identification information unique to the user received by the receiving means with the identification information unique to the user in the storage means; If the result of determination by the determination means is that the user is valid, the card processing apparatus further comprises second transmission means for transmitting a user usage limit setting permission notification to the card processing apparatus, A second receiving means for receiving the user usage limit setting permission notification transmitted by the second transmitting means of the management apparatus; and when the second receiving means receives the user usage limit setting permission notification, Desired user limit And a third transmission means for transmitting the user usage limit input by the user usage limit input means to the management device, wherein the management device comprises: Further, a third receiving means for receiving the user usage limit amount transmitted by the third transmission means of the card processing device, and when the third receiving means receives the user usage limit amount, the storage User usage limit setting means for storing the received user usage limit in the user area corresponding to the user-specific identification information received by the first receiving means in the means; Yes.

  ADVANTAGE OF THE INVENTION According to this invention, the card processing system which can set and operate a desired user usage limit easily by the user himself / herself separately from the card issuer usage limit set by the card issuing company can be provided.

Hereinafter, embodiments of the present invention will be described with reference to the drawings.
FIG. 1 schematically shows a configuration of a card processing system according to the present embodiment. In FIG. 1, a credit card 11 possessed by a user M is composed of, for example, an IC card or a magnetic card. Data (expiration date, personal information, etc.) necessary for using the card and user-specific information are used. The card member number is recorded as the identification information.

A personal computer (hereinafter simply referred to as a personal computer) 12 as a card processing device possessed by a user M includes a card reader / writer 13 as card reading means for reading and writing data to and from the credit card 11. The user's confidence is to set (including change) the user usage limit.
A member store terminal device 14 as a card processing device installed in a store (member store) or the like includes a card reader / writer 15 as a card reading unit that reads and writes data from and to the credit card 11.

  The personal computer 12 and the member store terminal device 14 are connected online to a payment management server (host computer) 17 as a management device via a communication network (communication line) 16 such as the Internet. The settlement management server 17 is installed in, for example, a credit card company (or an agency) that is a card issuing company, and includes a database 18 as a storage means.

  For example, as shown in FIG. 2, the database 18 stores a card member number and an expiration date as identification information unique to each user, as well as a user area and a credit card company area. Yes. The user area stores an authority confirmation password for setting a user usage limit that can be set by the user, and a user usage limit that can be set by the user. The credit card company area stores a card issuer usage limit set by the credit card company and a cumulative usage amount for a certain period (for example, one month).

Next, a process in which the user himself / herself sets a user usage limit in such a configuration will be described with reference to the flowcharts shown in FIGS.
First, the user M reads the card member number recorded on the credit card 11 by setting the credit card 11 on the card reader / writer 13 of the personal computer 12 (step S1). Here, the process of step S1 corresponds to the card reading means in the present invention.
Next, the user M uses a keyboard (not shown) of the personal computer 12 to input an authority confirmation password for setting a user usage limit (step S2). Here, the process of step S2 corresponds to the password input means in the present invention.

Next, the user M inputs an access start command using the keyboard of the personal computer 12, so that the personal computer 12 accesses the settlement management server 17 via the communication network 16 and reads the card member read from the credit card 11. The number and the input password are transmitted to the payment management server 17 (step S3). Here, the processing in step S3 corresponds to the first transmission means in the present invention.
The settlement management server 17 receives the card member number and password transmitted from the personal computer 12 (step S4). Here, the processing in step S4 corresponds to the first receiving means in the present invention.

  Next, the settlement management server 17 collates the received card member number with the card member number in the database 18, and determines whether or not a card member number that matches the received card member number exists in the database 18. The legitimacy of the user is determined (steps S5 and S6). Here, the processing of steps S5 and S6 corresponds to the first determination means in the present invention.

  If the result of determination in steps S5 and S6 is that the user is valid (if there is a card member number that matches the received card member number), the settlement management server 17 uses the password received in step S4 and the database 18 The card member number is compared with the corresponding password, and the validity of the password is determined based on whether or not both passwords match (steps S7 and S8). Here, the processing of steps S7 and S8 corresponds to the second determination means in the present invention.

  If the result of determination in steps S7 and S8 is that the password is valid (if the received password matches the password in the database 18), the payment management server 17 sends a user usage limit setting permission notification to the communication network 16. Is transmitted to the personal computer 12 via step S9 (step S9). Here, the process of step S9 corresponds to the second transmission means in the present invention.

The personal computer 12 receives the user usage limit setting permission notification transmitted from the settlement management server 17 (step S10). Here, the process of step S10 corresponds to the second receiving means in the present invention.
Next, when receiving the user usage limit setting permission notification, the personal computer 12 guides the user to enter the desired user usage limit on a display (not shown). Here, the user M inputs a desired user limit using the keyboard of the personal computer 12 (step S11). Here, the processing in step S11 corresponds to the user usage limit input means in the present invention.

Next, the personal computer 12 transmits the input user usage limit to the settlement management server 17 (step S12). Here, the processing in step S12 corresponds to the third transmission means in the present invention.
The settlement management server 17 receives the user usage limit amount transmitted from the personal computer 12 (step S13). Here, the processing in step S13 corresponds to the third receiving means in the present invention.

  Next, when the payment management server 17 receives the user usage limit, it writes the received user usage limit in the user area corresponding to the card member number received in step S earlier in the database 18. To set a user usage limit (including change) (step S14). Here, the process in step S14 corresponds to the user usage limit setting means in the present invention.

  If the result of determination in steps S5 and S6 is that the user is not valid (if there is no card member number that matches the received card member number), or the result of determination in steps S7 and S8 is that the password is not valid. In the case (when the received password does not match the password in the database 18), the settlement management server 17 transmits a user usage limit setting impossible notification to the personal computer 12 via the communication network 16 (step S15). Here, the process of step S15 corresponds to the fourth transmission means in the present invention.

  The personal computer 12 receives the user usage limit setting disapproval notification transmitted from the settlement management server 17 (step S16), and informs the user M that the user usage limit cannot be set on the display. (Step S17).

  In this way, for example, by using the communication network 16 such as the Internet, the user M accesses the payment management server 17 of the credit card company from the personal computer 12 at home, so that the card member number input from the personal computer 12 and The validity of the password is confirmed, and it is confirmed that the user has authority to access the user area in the database 18 of the settlement management server 17. After it is confirmed that the user has access authority, the user usage limit in the database 18 can be set (changed).

Next, settlement processing in consideration of a user usage limit that can be set by the user will be described with reference to the flowcharts shown in FIGS.
When the user M purchases at the store (member store) and presents the credit card 11 for the payment, the clerk sets the credit card 11 in the card reader / writer 15 of the member store terminal device 14, thereby the credit card 11. Is read (step S21). Here, the process of step S21 corresponds to the card reading means in the present invention.
Next, the store clerk inputs the current usage amount using the keyboard (not shown) of the member store terminal device 14 (step S22). Here, the process of step S22 corresponds to the usage amount input means in the present invention.

Next, the store clerk inputs a payment processing start command using the keyboard of the member store terminal device 14, whereby the member store terminal device 14 accesses the payment management server 17 via the communication network 16, and the credit card 11. The card member number read from the information and the entered current usage amount are transmitted to the payment management server 17 (step S23). Here, the processing in step S23 corresponds to the first transmission means in the present invention.
The settlement management server 17 receives the card member number and the current usage amount transmitted from the member store terminal device 14 (step S24). Here, the processing in step S24 corresponds to the first receiving means in the present invention.

  Next, the settlement management server 17 collates the received card member number with the card member number in the database 18, and determines whether or not a card member number that matches the received card member number exists in the database 18. The legitimacy of the user is determined (steps S25 and S26). Here, the processing of steps S25 and S26 corresponds to the first determination means in the present invention.

  If the result of determination in steps S25 and S26 is that the user is valid (if a card member number that matches the received card member number exists), the settlement management server 17 corresponds to the card member number in the database 18. By referring to the expiration date to be determined, it is determined whether or not the credit card 11 has exceeded the expiration date (steps S27 and S28).

  As a result of the determination in steps S27 and S28, if the credit card 11 has not exceeded the expiration date, the payment management server 17 stores the accumulated usage amount corresponding to the card member number previously received in step S24 in the database 18. Similarly, the current usage amount received in step S24 is added, and it is determined whether or not the addition result is within the user usage limit corresponding to the card member number in the database 18 (step S29, S30). Here, the processing of steps S29 and S30 corresponds to the second determination means in the present invention.

  If the result of determination in steps S29 and S30 is that the addition result of the accumulated usage amount and the current usage amount is within the user usage limit amount, the settlement management server 17 determines that the addition result of the cumulative usage amount and the current usage amount is It is determined whether it is within the card issuer usage limit corresponding to the card member number previously received in step S24 in the database 18 (steps S31 and S32). Here, the processing of steps S31 and S32 corresponds to the third determination means in the present invention.

  As a result of the determination in steps S31 and S32, when the result of adding the accumulated usage amount and the current usage amount is within the card issuer usage limit amount, the settlement management server 17 performs a settlement process based on the current usage amount ( Step S33). Here, the processing in step S33 corresponds to the settlement processing means in the present invention.

  As a result of the determination in steps S25 and S26, when the user is not valid (when there is no card member number that matches the received card member number), or as a result of the determination in steps S27 and S28, the credit card 11 is If the expiration date has been exceeded, or if the result of determination in steps S29 and S30 is that the addition result of the accumulated usage amount and the current usage amount is not within the user usage limit amount, or determination in steps S31 and S32. As a result, when the addition result of the accumulated usage amount and the current usage amount is not within the card issuer usage limit amount, the settlement management server 17 sends a notice of credit settlement processing suspension via the communication network 16 to the member store terminal device 14. (Step S34). Here, the processing in step S34 corresponds to the second transmission means in the present invention.

  The member store terminal device 14 receives the notice of the cancellation of the credit settlement process transmitted from the settlement management server 17 (step S35), and informs the store clerk that the credit settlement process is impossible on the display (step S36).

In this way, for example, when the user M attempts to shop using the credit card 11 at the member store, the member number of the card member recorded on the credit card 11 is read by the member store terminal device 14. After confirming that the card member number exists in the database 18 of the payment management server 17 and further confirming the expiration date, the current usage amount is added to the accumulated usage amount up to the previous time in the database 17. First, confirm that the result of the addition does not exceed the user limit that can be set by the user, and then check that it does not exceed the card issuer limit set by the credit card company. By doing so, the execution of the credit settlement process is permitted.
In this card processing system, the transaction (credit settlement process) is rejected when it is determined that the card member number or expiration date is not valid, or when the current usage amount exceeding the usage limit is specified.

  As described above, according to the above-described embodiment, it is possible for the user himself / herself to set the user usage limit amount separately from the card issuer usage limit amount set by the card issuing company. . Therefore, the user can manage the usage limit amount and can prevent overuse by the user himself or misuse by crime. For credit card companies, non-payment due to overuse by users is reduced.

  In particular, since the credit limit that can be set by the user is stored on the payment management server of the credit company, the user credit limit can be managed on the payment management server of the credit company. It is difficult to illegally change the user's usage limit, and since an access log is usually acquired, it is possible to obtain an effect that discovery is easy even if unauthorized access is performed.

1 is a block diagram schematically showing a configuration of a card processing system according to an embodiment of the present invention. The figure which shows the memory content of the database in a payment management server concretely. The flowchart explaining the process which the user himself sets a user usage limit. The flowchart explaining the process which the user himself sets a user usage limit. The flowchart explaining the payment process in consideration of the user usage limit amount which a user himself can set. The flowchart explaining the payment process in consideration of the user usage limit amount which a user himself can set.

Explanation of symbols

  M ... user, 11 ... credit card, 12 ... personal computer (card processing device), 13 ... card reader / writer (card reading means), 14 ... member store terminal device (card processing device), 15 ... card reader / writer (card reading) Means), 16 ... communication network (communication line), 17 ... settlement management server (management device), 18 ... database (storage means).

Claims (6)

A card possessed by the user and recorded with data necessary for using the card and identification information unique to the user, a card processing device possessed by the user and processing the card, and a card issuance The card issuer usage limit set by the card issuing company and the accumulated usage amount for a certain period are set in the company, etc., connected to the card processing device so as to be communicable, and corresponding to the identification information unique to the user. And a management device comprising a storage means having a user area for storing a user usage limit that can be set by the user himself / herself,
The card processing device
Card reading means for reading user-specific identification information from the card;
First transmitting means for transmitting identification information unique to the user read by the card reading means to the management device;
The management device
First receiving means for receiving user-specific identification information transmitted by the first transmitting means of the card processing device;
First determination means for determining the legitimacy of the user by collating the user-specific identification information received by the first reception means with the user-specific identification information in the storage means;
If the result of determination by the first determination means is that the user is legitimate, a second transmission means for transmitting a user usage limit setting permission notification to the card processing device,
The card processing device further includes:
Second receiving means for receiving a user usage limit setting permission notification transmitted by the second transmitting means of the management device;
When the second receiving means receives the user usage limit setting permission notification, the user usage limit input means for inputting the desired user usage limit,
A third transmission means for transmitting the user usage limit input by the user usage limit input means to the management device;
The management device further includes:
Third receiving means for receiving the user usage limit amount transmitted by the third transmitting means of the card processing device;
When the third receiving means receives the user usage limit, the received user is placed in the user area corresponding to the user-specific identification information received by the first receiving means in the storage means. User usage limit setting means for storing the usage limit;
A card processing system comprising: The management device further includes:
4. The apparatus according to claim 4, further comprising: a fourth transmission unit configured to transmit a user usage limit setting impossibility notification to the card processing device when the user is not valid as a result of the determination by the first determination unit. The card processing system according to 1. The card processing device
It further includes a password input means for inputting a user-specific password for setting a user usage limit.
The first receiving means transmits the password input by the password input means together with the user-specific identification information read by the card reading means to the management device,
The management device
Further, a password unique to the user is stored in the storage means in association with identification information unique to the user,
The first receiving means receives the user-specific password transmitted together with the user-specific identification information by the first receiving means of the card processing device;
If the result of determination by the first determination means is that the user is valid, the user-specific password received by the first reception means is compared with the user-specific password in the storage means Further comprising a second determination means for determining the validity of the password,
The said 2nd receiving means transmits a user usage limit setting permission notification to the said card processing apparatus, when the said password is valid as a result of the determination by the said 2nd determination means. The card processing system described. The management device further includes:
4. The apparatus according to claim 3, further comprising: a fourth transmission unit configured to transmit a user usage limit amount disapproval notification to the card processing device when the password is not valid as a result of the determination by the second determination unit. The card processing system described. A card possessed by the user and necessary for using the card and a card in which identification information unique to the user is recorded, a card processing device installed in a store or the like and processing the card, and a card issuance Installed in a company, etc., connected to the card processing device in a communicable manner, corresponding to the identification information unique to the user, the card issuer usage limit set by the card issuing company, the accumulated usage amount for a certain period, and It is composed of a management device provided with storage means for storing a user usage limit that can be set by the user,
The card processing device
Card reading means for reading user-specific identification information from the card;
Usage amount input means for inputting the current usage amount,
A first transmission unit that transmits the user-specific identification information read by the card reading unit and the current usage amount input by the usage amount input unit to the management device;
The management device
First receiving means for receiving the user-specific identification information and the current usage amount transmitted by the first transmitting means of the card processing device;
First determination means for determining the legitimacy of the user by collating the user-specific identification information received by the first reception means with the user-specific identification information in the storage means;
If the result of determination by the first determination means is that the user is valid, the accumulated usage amount corresponding to the user-specific identification information received by the first reception means in the storage means is the first usage amount. A second determination unit that adds the current usage amount received by the receiving unit and determines whether the addition result is within a user usage limit amount in the storage unit;
If the result of determination by the second determination means is that the addition result of the accumulated usage amount and the current usage amount is within the user usage limit amount, the addition result of the cumulative usage amount and the current usage amount is the storage means. A third determination means for determining whether or not the card issuer is within a credit limit,
As a result of the determination by the third determining means, if the result of adding the accumulated usage amount and the current usage amount is within the card issuer usage limit amount, a payment processing means for performing a payment process based on the current usage amount;
A card processing system comprising: The management device further includes:
As a result of the determination by the first determination means, if the user is not valid, or as a result of the determination by the second determination means, the addition result of the accumulated usage amount and the current usage amount is the user usage limit amount If the result of determination by the third determining means is not within the limit of the card issuer usage limit, the settlement processing based on the current usage amount is canceled. 6. The card processing system according to claim 5, further comprising: a second transmission unit that transmits the notification to the card processing device.

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