JP2007272408A - Method for permitting card specific use - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To enable a temporary shopping exceeding a general use range less than a temporary total use upper limit amount while suppressing the upper limit amount low. <P>SOLUTION: The method for permitting a specific use of a card comprises use request receiving step of receiving a card use request; and general use amount range determination step of comparing the use request amount of the received card use request with a general use amount range corresponding to the card to determine whether it exceeds the general use amount range or not. This method further comprises use request permission step of permitting the received card use request when it is determined that the use request amount of the received card use request exceeds the general use amount range, the use request date of the received card use request is within a special use time for permitting use in a use amount exceeding the general use amount range, which is preliminarily registered by a user, and the use request amount of the received card use request is a special use amount range preliminarily registered by the user or less. <P>COPYRIGHT: (C)2008,JPO&INPIT

Description

  The present invention relates to a card usage permission method, and more particularly to a special usage permission method in a special usage amount frame exceeding a normal usage amount frame.

  A credit card issued by a card issuing company such as a financial institution or a credit sales company has a normal usage amount frame that is an upper limit of a total amount that can be used within a predetermined period (for example, one month). As a result, unplanned use of the card can be prevented, and damage caused by unauthorized use due to theft card or counterfeit card can be minimized.

  However, there are cases where it is desired to use an amount exceeding the normal usage amount frame. In this case, the user asks the card issuing company to increase the upper limit of the total amount that can be used within the predetermined period, and the card issuing company that has received this request increases the upper limit of the total amount (special use amount frame). Until that time, the user is allowed to use the card (special use).

  For example, Non-Patent Document 1 describes that a usage frame is set at a low price so that the user can use the card with peace of mind, and the usage frame is temporarily raised when an application is made in advance.

  FIG. 1 is a diagram for explaining the problems of the conventional special use permission method in the special use amount frame described above. As shown in FIG. 1 (A), the user plans to purchase a 200,000 yen TV and 150,000 yen video as a product to be purchased, so contact the card issuer in advance and use the card for that month. It is assumed that the upper limit of the total amount is specified as 350,000 yen. And when you actually go shopping, you want to purchase a TV rack of 50,000 yen and an audio system of 200,000 yen in addition to the TV and video you planned. However, the total amount of TV, video, TV rack, and audio system will be 600,000 yen, exceeding the upper limit of 350,000 yen, so it is unavoidable to purchase TV rack and audio system at a later date. It will be.

On the other hand, let us consider a case where a special use permission method with such a special use amount frame is used and a forged card is damaged. As shown in FIG. 1 (B), the user has a 20,000 yen tie, 20,000 yen shoes, 20,000 yen bag, 20,000 yen clothes, 10,000 yen ham, 10,000 yen Since we are planning a new yen roll, we will contact the card issuer in advance and assume that the upper limit of the total amount of card usage for the month is specified as 100,000 yen. In this case, if a counterfeit card is damaged, there is a possibility of loss up to 100,000 yen.
Sumitomo Mitsui VISA Card “Virtual Card” [Search February 10, 2006], Internet, <URL: http://www.smbc-card.com/mem/addcard/virtual_top.jsp>

  As mentioned above, the conventional technology sets a total usage limit for a predetermined period to prevent fraudulent cards, and if the card user wants to purchase more than the maximum limit, he / she applies to the card company in advance. , You can temporarily raise the total usage limit.

  Such a method only allows shopping for the total amount of application, and other non-usual shopping requires additional application again. However, in everyday life, if you want to purchase a large amount of money, it is time to buy the expensive product you want, and you want to purchase accessories or related items together in another place or purchase Since it may be necessary, it is difficult to predict the total amount in advance.

  Also, it is bothersome to apply for a temporary increase of the maximum usage limit in advance for each purchase, and if you set a higher total usage limit in anticipation of it, the card will be illegally misappropriated by a counterfeit card or theft card at that time. When used, the amount of illegal use increases accordingly.

  An object of the present invention is to make it possible to make a purchase that temporarily exceeds the normal use frame if the temporary total use upper limit is kept low but is less than the upper limit.

  In order to achieve the above object, a card special use permission method according to an aspect of the present invention includes a use request receiving stage for receiving a card use request, a use request amount for the received card use request, and a normal use amount frame corresponding to the card. Compared to the normal usage amount frame determination stage to determine whether the normal usage amount frame is exceeded, and if it is determined that the usage request amount of the received card usage request exceeds the normal usage amount frame, The usage request date is within the special usage hours that allow usage with a usage amount exceeding the normal usage amount frame registered in advance by the user, and the usage request amount of the received card usage request is registered in advance by the user. And a usage request permission stage for permitting the accepted card usage request when it is below the special usage amount frame.

  The card can be used with a usage amount exceeding a predetermined normal usage frame without increasing the total usage amount.

  The best mode for carrying out the present invention will be described with reference to the drawings.

  FIG. 2 is a diagram for explaining a card special use permission method according to an embodiment of the present invention. FIG. 2 (A) shows a case where the card special use permission method according to the embodiment of the present invention is applied in the same situation as FIG. 1 (A). The user is planning to purchase a 200,000 yen TV and 150,000 yen video as a product to be purchased, so he contacted the card issuer in advance and specified the upper limit of the card usage amount as 200,000 yen. Assume. And when you actually go shopping, you want to purchase a TV rack of 50,000 yen and an audio system of 200,000 yen in addition to the TV and video you planned. In this case, all of the television, video, television rack, and audio system have an upper limit of 200,000 yen or less, and therefore, a television rack and an audio system that were not included in the purchase planned product can be purchased.

  On the other hand, let us consider a case where a special use permission method with such a special use amount frame is used and a forged card is damaged. FIG. 2 (B) shows a case where the card special use permission method according to the embodiment of the present invention is applied in the same situation as FIG. 1 (B). As shown in FIG. 2B, the user can purchase a 20,000 yen tie, 20,000 yen shoes, 20,000 yen bag, 20,000 yen clothes, 10,000 yen ham, 10,000 yen Assuming that a new yen roll is planned, it is assumed that the card issuer has been contacted in advance and the upper limit of the total amount of card usage is 20,000 yen. In this case, if a counterfeit card is damaged, only a loss of up to 20,000 yen is required if it is damaged only once.

  A card special use permission system for realizing such a card special use permission method will be described. FIG. 3 is a block diagram showing a card special use permission system according to an embodiment of the present invention. As shown in FIG. 3, the system includes a card issuing company card special use permission device 10, a card issuing company card maintenance device 20, a card user terminal device 30, and a store terminal device 40. . The card special use permission device 10 is, for example, a mainframe or a server installed in a card company, and a plurality of servers may be connected via a network. The card maintenance device 20 is, for example, a PC or a workstation installed in a card company office. The card user terminal device 30 may be, for example, an information terminal such as a PC, a PDA, or a mobile phone connected to the card special use permission device 10 via the Internet, or may be a card company or other financial institution. It may be a dedicated terminal or the like arranged in a store or the like. The terminal device 30 has a table maintenance function. The store terminal device 40 is, for example, a POS terminal installed in a store (including department stores, supermarkets, discount stores, etc.) to which a card reader is connected, and has a card use function.

  Further, the card special use permission device 10 includes a card maintenance means 11, a table maintenance means 12, a card use means 13, and a usage record means 14. The card special use permission apparatus 10 further includes a database such as a card table 15, an unexpected table 16, and a usage record table 17.

  The card maintenance device 20, the card user terminal device 30, and the store terminal device 40 may be connected to the card special use permission device 10 via a wired network such as a local area network (LAN) or the Internet. However, they may be connected via a wireless network.

  Hereinafter, this card special use permission system will be described in detail focusing on the table maintenance function and the card use function. The card maintenance means 11 is the same as the conventional card maintenance means having a registration / change / deletion function of information relating to credit cards, and the usage record means 14 is a conventional use record means having a credit card use record registration function. Will not be described in more detail.

  FIG. 4 is a flowchart showing an outline of the table maintenance function according to the embodiment of the present invention. The table maintenance function is a function for referring to and updating the unexpected table 16 in order to operate the card special use permission system according to the present invention. In FIG. 4, the card table 15 and the usage record table 17 that are updated in the existing system are not shown for easy understanding.

  In step 101, the card user terminal device 30 transmits the search condition input by the card user to the card special use permission device 10.

  The card special use permission apparatus 10 searches the unexpected table 16 using the received search condition in step 102, edits the search result in step 103, and uses the edited search result in step 104. To the terminal device 30.

  The card user's terminal device 30 displays the returned search result to the card user in step 105, causes the card user to update the displayed search result in step 106, and in step 107. The updated result is transmitted to the card special use permission device 10.

  In step 108, the card special use permission device 10 updates the unexpected table 16 with the result updated by the card user, and in step 109, the updated result of the unexpected table 16 is sent to the card user's terminal device 30. Send back.

  In step 110, the card user's terminal device 30 displays the returned update result to the card user and completes the process.

  The unexpected table maintenance process will be described in more detail with reference to FIG.

  FIG. 5 is a flowchart showing an outline of the card use function according to the embodiment of the present invention.

  In step 201, the store terminal device 40 transmits the card use information to the card special use permission device 10. This usage information includes the card information used by the card user and the usage amount.

  In step 202, the card special use permission device 10 refers to the card table 15 and the unexpected table 16 based on the received use information, and calculates the card usage limit. In step 203, the use amount is compared with the use limit amount to determine whether or not the card can be used. In step 204, the related unexpected table 16 and usage record table 17 are updated. Further, in step 205, the result of determining whether or not the card can be used is returned to the terminal device 40 of the store.

  In step 206, the terminal device 40 of the store receives the returned card use propriety determination result. If the card can be used, payment by the card user (for example, for the product price) is completed, and the card is used. If not, the card user will give up the purchase (for example, for the product) or consider another payment method.

  The card use function will be described in more detail with reference to FIG.

  FIG. 6 is a flowchart showing an unexpected table maintenance process for searching and updating the unexpected table 16. This processing is executed by the table maintenance means 12 of the card special use permission device 10 connected to the terminal device 30 via the network based on information input to the terminal device 30 by the card user.

  In step 301, the system date maintained by, for example, the time measuring means (not shown) of the card special use permission apparatus 10 is acquired. In step 302, the setting of the search condition value is accepted. The search condition value to be set includes card identification information for identifying a card and optional year information. In addition to the card identification number, the card identification information includes identification information for identifying one of the family cards when there is a family card withdrawn from the same bank account. When year information is input, for example, when a search of the unexpected table 16 is executed, only records related to the year are retrieved as search results. If no year information is entered, records for all years are retrieved as search results. In addition to the search conditions, input of a personal identification number or the like may be requested for security.

  In step 303, input of update data is accepted. This update data is data for updating the record of the unexpected table 16, and can be omitted when only the unexpected table is searched. Proceeding to step 304, a process selection input is accepted. This reception is, for example, “search”, “update”, displayed on a table maintenance screen (described in more detail below) displayed on the display unit (not shown) of the terminal device 30 of the card user, This is executed by selecting (clicking) any one of the “Finish” buttons.

  If the “search” button is selected in step 304, the process proceeds to step 305 to display a list of records that match the search conditions set in step 302. Thereafter, the process returns to step 302.

  If the “update” button is selected in step 304, the process proceeds to step 306, where it is determined whether there is a record in the unexpected table 16 that matches the search condition set in step 302. If there is no record that matches the search condition, the process proceeds to step 307 and the value of the list screen is added to the unexpected table 16 as a record.

  If there is a record that matches the search condition in the unexpected table 16 in step 306, the process proceeds to step 308 where the field “card” in the unexpected table 16 matches the search condition “card” and the year of the field “use date”. Deletes the record in the unexpected table 16 that matches the search condition “year” and the field “use date” is later than the system date acquired in step 301. Subsequently, the process proceeds to step 309, and the record whose field “use date” is later than the system date acquired in step 301 is added to the unexpected table 16 among the records on the list screen of the card user terminal device 30. Then, the process returns to step 302.

  The operation of step 308 and step 309 is to delete the old record of the unexpected table 16 and then add a new record in place of the deleted record in step 309, so that the list screen of the card user terminal device 30 is displayed. The unexpected table 16 is updated with a record in the table.

  When the “end button” is selected in step 302, the unexpected table maintenance process is terminated.

  Next, the card utilization function will be described with reference to FIG.

  FIG. 7 is a flowchart showing the card use function. Specifically, FIG. 7A shows a main process of the card use function, and FIG. 7B shows a use limit calculation process in step 405 of the main process. FIG. 7C shows the usage amount calculation processing so far in step 406 of the main processing, and FIG. 7D shows the update processing of the related table in step 409 of the main processing. These processes are executed by the card use means 13 of the card special use permission device 10 connected to the terminal device 40 via the network based on the card use request transmitted from the terminal device 40 of the store.

  First, with reference to FIG. 7A, the main processing of the card use function will be described. In step 401, initialization processing is performed. The initialization process includes obtaining the system date and clearing the determination result item. Next, in step 402, a card use request is acquired. The usage request includes the identification information of the card used by the card user and the usage amount.

  Proceeding to step 403, once in the unexpected table 16, the field “card” matches the identification information of the use card acquired in “step 402”, and the field “use date” matches the system date acquired in step 401. Determine if there are records to be used. In addition, when there is no corresponding data in the unexpected table, it is determined whether the usage amount acquired in step 402 is larger than the field “1 usage amount MAX” of the card table 15. When there is corresponding data in the unexpected table, it is determined whether the usage amount acquired in step 402 is larger than the field “1 usage amount MAX” of the unexpected table 16. In step 403, it is first determined whether or not a special use of the card is registered in the unexpected table 16, and if it is not registered, it is processed as normal use, and if it is registered, it is processed as special use.

  When the determination result in step 403 is true, the process proceeds to step 404, NG (non-permission) is set in the “determination result” item, and the card use process is terminated. That is, when the usage amount of the card usage request exceeds the upper limit of the usage amount per normal usage or special usage, the card usage request is disabled.

  When the determination result in step 403 is false, the process proceeds to step 405 to calculate the “use limit amount” by the use limit calculation process (see FIG. 7B), and in step 406 the conventional use amount calculation process (FIG. 7). (Refer to (C)) to calculate the “usage amount so far”. Next, in step 407, the “use limit amount” calculated in step 405 is the sum of the “use amount until now” calculated in step 406 and the “use amount” related to the card use request acquired in step 402. Compare.

  As a result of the comparison in step 407, if the “use limit amount” is smaller than “previous use amount” + “use amount”, the process proceeds to step 404 and “NG” is set in the “judgment result” item. The card use process is terminated.

  As a result of the comparison in Step 407, if the “Usage limit” is equal to or more than “Usage amount until now” + “Usage amount”, the process proceeds to Step 408, and “OK” (permission) is set in the “Judgment result” item In step 409, the association table update process (see FIG. 7D) is performed, and the card use process is terminated.

  Next, referring to FIG. 7B, a usage limit calculation process which is step 405 in the main process of FIG. 7A will be described. In step 451, “total use amount MAX” and “condition” values are acquired from the card table 15 for the use card acquired in step 402. In step 452, the date corresponding to the “condition” of the card table is obtained from the system date obtained in step 401, and the obtained date is set in “utilization result amount calculation date”. For example, when the “condition” of the card table is “past 1 month” and the system date is “February 1, 2006”, the “utilization date calculation date” is “January 1, 2006”. .

  Proceeding to step 453, the field “card” of the unexpected table is the “use card” acquired in step 402, and the “actual usage amount calculation date” is before the field “use date” of the unexpected table, and the assumption is made Data that satisfies the condition that the field “use date” of the outside table is before the “system date” is extracted from the unexpected table. Next, in step 454, the “utilization result amount” extracted from the unexpected table in step 453 is summed, and the total amount is set in “use result amount sum”.

  In step 456, the “card” in the unexpected table is “use card”, the “use date” in the unexpected table is the system date, and “1 use amount MAX” in the card table is greater than “use amount”. Determine if there are small records. Whether or not “1 usage amount MAX” of the unexpected table is included in the usage limit amount is determined by inserting a condition that “1 usage amount MAX” of the card table is smaller than “use amount”. Even if there is corresponding data in the unexpected table, if the usage amount is equal to or less than “1 usage amount MAX” in the card table, it is not included because it is normal usage.

  If there is a corresponding record in step 456, the process proceeds to step 457, and the value of “1 usage amount MAX” in the unexpected table is set as “today's usage amount addition”, the process proceeds to step 458. If there is no corresponding record in step 456, the process proceeds to step 459, “today's usage amount addition” is set to 0, and the process proceeds to step 458.

  In step 458, the total value of “total usage amount MAX” in the card table, “total usage amount” set in step 454 and “today's usage amount addition” set in step 457 or step 459 is set to “ Set to “Usage limit”. With the above steps, step 405 of the main process of the card use function shown in FIG.

  Next, with reference to FIG. 7C, a description will be given of the usage amount calculation processing so far, which is step 406 of the main processing of the card usage function. First, in step 471, the “card” in the usage record table is “use card”, the “use date” in the use record table is equal to or greater than “use record amount calculation date”, and A record whose “use date” is less than (or before) the “system date” is extracted from the use result table. In step 472, the “usage amount” of the extracted records is summed, and the total amount is set as “usage amount so far”. With the above steps, step 406 of the card processing function main processing is completed.

  Next, with reference to FIG. 7 (D), a related table update process, which is step 409 of the card use function main process, will be described. First, in step 491, usage record table update processing is performed. Here, in the usage record table, when “use amount” is larger than “1 use amount MAX” in the card table, “o” is set in the “unexpected table permission” field. Other processing of the usage record table update processing is already existing and well known to those skilled in the art, and will not be described in further detail.

  Proceeding to step 492, the “use amount” is compared with “1 use amount MAX” in the card table. If “use amount” is greater than “1 use amount MAX”, the process proceeds to step 493, where the unexpected table contains For data where “Card” is “Use Card” and “Use Date” is “System Date”, update process to add “Use Amount” to “Actual Usage Amount” and perform related table update processing finish. In step 492, if the “use amount” is equal to or less than “1 use amount MAX”, the related table update process is terminated without doing anything.

  Various tables provided in the card special use permission apparatus 10 referred to in the above description will be described with reference to FIG. FIG. 8 is a diagram illustrating an example of a card table, an unexpected table, and a usage record table according to an embodiment of the present invention.

  FIG. 8A shows an example of a card table. This table manages card information on a card-by-card basis, and there is one record corresponding to one card. In the card table, data is newly registered based on the information on the card issuance application form from the card user. Further, the data is changed based on the information on the change application form from the card user. Further, the data is deleted based on the information of the cancellation application form from the card user. The card user is the owner of the card withdrawal account (bank account, etc.).

  The fields of the card table include a card, 1 usage amount MAX, designated account, total usage amount MAX, and total conditions. The card is card identification information and is a key of this table. One use amount MAX is an upper limit value of one card use amount. The designated account is an account of a financial institution where the card is paid, and a plurality of cards (for example, family cards) may be withdrawn from the same account. The total use amount MAX is an upper limit value of the amount that can be used within the period specified in the “total condition” field on the basis of the card use date. As described above, the card table manages the limit value of the usage amount for each card. If the limit value is exceeded, the card usage request is not permitted in principle.

  In the case of FIG. 8A, for example, in the record of the card B, the account of withdrawal of the usage amount is “Account A”, and this account A is a withdrawal account of three cards A, B, and C. . It is shown that the amount of money that can be used for one use of card B is up to 1,000 yen, and the amount that can be used in the past month retroactively from the date of using the card is up to 5,000 yen. .

  FIG. 8B shows an example of an unexpected table. As a general rule, since the upper limit amount that can be used for each card is specified in the card table, it is not possible to use a card that exceeds this upper limit amount. However, by registering information related to the special use of the card in this unexpected table in advance, the card can be used exceeding the upper limit amount specified in the card table. The fields of the unexpected table include a card (identification information), a usage date, a usage amount MAX, and a usage record amount. Of these, the card (identification information) and date of use are the keys of this table. The information to be registered in advance is the “use date” and “use amount” of the card. “Date of use” can be updated only for future date data.

  The table on the left side of FIG. 8B shows a state immediately after the data is registered in the unexpected table 16, and since no value is set in the “Actual usage amount” field, the initial value is “0 yen”. Remains. In the table on the right side of FIG. 8B, a value is added to the “utilization result amount” field when data is registered in the use result table 17 described below. This will be described after the usage record table 17 is described.

  FIG. 8C is a diagram showing an example of the usage record table 17 for managing the card usage record. This table includes fields for a card (identification information), a use date, a serial number, a use amount, and an unexpected table permission. Card, date of use, and serial number are used as keys. A serial number starting from 1 is assigned to the serial number field for each card and use date. A card usage amount is set in the usage amount field. When this value is higher than “1 usage amount MAX” in the card table, that is, when the card usage is permitted as a special usage by the unexpected table, “o” is set in the “unexpected table permission” field.

  Here, with reference to both FIG. 8 (B) and FIG. 8 (C), the setting of the “actual usage amount” field of the unexpected table will be described. In “Usage result amount”, the total value of the use amount of the card use permitted by the unexpected table from the data of the use result table 17 (that is, permitted as a special use instead of the normal use) is set. . Accordingly, since the amount less than “1 use amount MAX” in the card table 15 among the use amounts is processed as normal use, it is not added to the “usage actual amount” in this unexpected table. When data is registered in the usage record table, if the data is permitted by the unexpected table, the “use amount” in the use result table is added to the “use amount” in the unexpected table.

  For example, the usage date of card B in the usage history table is 3 usages on January 20, 2006. Among them, 2 usages (both usage fees of 2000 yen) that are permitted by the unexpected table are used. Add "Amount of money" to the "Usage result amount" of the unexpected table (see arrow (b)). As a result, the “usage record” on the usage date January 20, 2006 of the card B in the unexpected table becomes “4000 yen”. The usage (serial number 2) with a usage amount of 1000 yen is within the normal usage range, and is not added to the “usage usage amount” in the unexpected table.

  On the other hand, since there is no usage record as of February 1, 2006 in the usage record table, the “utilization record amount” of card B in the unexpected table on February 1, 2006 remains the initial value “0 yen”. Yes (see arrow (b)). This corresponds to the fact that the card user registered information in the unexpected table, but did not actually use the card.

  There is one usage statement for card B on February 15, 2006 in the usage record table, and this is permitted by the unexpected table. Therefore, the usage amount is entered in the “Usage Actual Price” field of the unexpected table. Add (see arrow (c)).

  Next, the unexpected table maintenance function described with reference to FIG. 6 will be described with reference to the screen configuration example shown in FIG. FIG. 9 is a diagram illustrating a screen configuration example displayed on a display unit (not shown) of the card user terminal device 30 when the unexpected table maintenance function is executed.

  FIG. 9A is an example of a screen that accepts the setting of the search condition value by the card user (corresponding to step 302). This screen includes a search condition input unit 31, a list screen 32, a search button 33, an update button 34, and an end button 35. The card user can input a search condition such as a card, a password, and a year into the search condition input unit 31 using an input unit (not shown) such as a keyboard and a mouse connected to the terminal device 30. . On the list screen 32, search results can be displayed and update information can be entered.

  When a search condition (including a personal identification number in this example) is input to the search condition input unit 31 and the search button 33 is selected (corresponding to step 304), if there is a search result, the screen of FIG. 9B is displayed. (Corresponding to step 305). Since the “year” item is not an essential input item, if omitted, all data of “card B” is displayed. On the other hand, in this example, since “year” is set to “2006”, only the data for card B during 2006 is displayed. This screen displays the date (February 16, 2006) when the search was executed as the table maintenance date. In the list screen 32, records before the table maintenance date are displayed. Since these records are before the table maintenance date, they are not subject to update. In addition, the “Actual usage amount” field is a reference item, and is not subject to updating as well. The shaded portion in the list screen 32 visually indicates that it is not an update target. The data that can be updated is only those whose “use date” is a future date, and the data whose “use date” is the past date or the current date can be referred to but cannot be updated.

  Next, as shown in FIG. 9C, the card user can input information indicating a future special use of the card on the list screen 32 (corresponding to step 303). When the update button 34 is selected (corresponding to step 304), the screen shown in FIG. 9D is displayed. This screen shows that the information input in FIG. 9C has been stored in the unexpected table 16, but because it is a future date, it indicates that the “actual usage amount” is still “0 yen”. (Corresponding to step 307). The card user confirms the update content displayed here, and if it is correct, selects the end button 35 (corresponding to step 304), and ends the process.

  On the other hand, a search condition (including a personal identification number in this example) is input to the search condition input unit 31, and the search button 33 is selected (corresponding to step 304). ) Is displayed (corresponding to step 305). Also on this screen, the date when the search was executed (in this case, January 10, 2006) is displayed at the top as the table maintenance date. No data is displayed on the list screen 32 because nothing is registered for the data of card B in 2006 yet. The “Actual usage amount” field is shaded because it is not subject to update.

  Next, as shown in FIG. 9 (F), the card user can input information indicating future special use of the card on the list screen 32 (corresponding to step 303). When the update button 34 is selected (corresponding to step 304), the screen shown in FIG. 9G is displayed. This screen shows that the information input in FIG. 9F has been stored in the unexpected table 16, but because it is a future date, it indicates that the “actual usage amount” is still “0 yen”. (Corresponding to step 307). The card user confirms the update contents displayed here, and if correct, selects the end button 35 (corresponding to step 304) and ends the process.

  In the above description with reference to FIG. 7, if the usage amount exceeds “1 usage amount MAX” in the card table but is within “1 usage amount MAX” in the unexpected table, the card can be used any number of times. However, for example, a field for setting the maximum value of the card usage count is provided in the unexpected table 16, a step for setting the maximum value of the card usage count is provided, and the card usage is permitted up to the maximum value. You may not be allowed to use more than.

  Although the embodiment has been described by taking a credit card as an example, the present invention can also be applied to withdrawal of cash by a cash card issued by a financial institution or purchase of a product by a debit card.

  In the above explanation, it is assumed that temporary special use is permitted in units of “days”. However, special use over several days, special use in units of “hours”, etc. should be permitted. Also good.

In addition, the following supplementary notes are noted regarding this disclosure.
(Appendix 1)
A usage request reception stage for receiving a card usage request;
A normal usage amount frame determination stage that compares the usage request amount of the received card usage request with the normal usage amount frame corresponding to the card and determines whether it exceeds the normal usage amount frame,
When it is determined that the usage request amount of the accepted card usage request exceeds the normal usage amount frame, the usage request date of the received card usage request is a usage amount exceeding the normal usage amount frame registered in advance by the user. Use that permits the accepted card usage request when the usage request amount of the accepted card usage request is within the special usage amount frame registered in advance by the user. A card special use permission method comprising: a request permission stage.
(Appendix 2)
The card special use permission method according to attachment 1, wherein the special use amount frame is an upper limit of the use amount per card use, and the use request amount of the accepted card use request is equal to or less than the special use amount frame If so, a card usage request exceeding the normal usage amount frame is permitted any number of times within the special usage time.
(Appendix 3)
The card special use permission method described in Appendix 2,
A special use permission number setting step for setting the number of times a card use request exceeding the normal use amount frame is permitted within the special use time that permits use with a use amount exceeding the normal use amount frame registered in advance by the user; Have
If the usage request amount of the received card usage request is less than or equal to the special usage amount frame, the card usage exceeds the normal usage amount frame as many times as possible within the special usage number registered in advance by the user within the special usage time. A method characterized by granting a request.
(Appendix 4)
The card special use permission method according to any one of appendices 1 to 3,
When it is determined that the usage request amount of the accepted card usage request is within the normal usage amount frame, the accepted card usage request is permitted only when the usage amount so far is within the total usage limit amount And how to.
(Appendix 5)
The card special use permission method according to any one of appendices 1 to 4,
A method further comprising a setting reception step of accepting a setting of a special usage time permitting use with a usage amount exceeding a normal usage amount frame and a special usage amount frame which is an upper limit value of the usage amount.
(Appendix 6)
The card special use permission method according to any one of appendices 1 to 5,
The special use time and the special use amount frame are managed using an unexpected table.
(Appendix 7)
A storage unit for storing a special use time of a card use and a special use amount frame;
Update means for updating the special use time and special use amount frame stored in the storage unit;
When it is determined that the usage request amount of the received card usage request exceeds the normal usage amount frame, the usage request date of the received card usage request is within the special usage time stored in the storage unit, and A card special use permission device comprising: permission means for permitting a received card use request when the use request amount of the received card use request is equal to or less than the special use amount frame.
(Appendix 8)
A computer program causing a computer to execute the method according to any one of appendices 1 to 6.

It is a figure for demonstrating the problem of the permission method of the special use in the conventional special use amount frame. It is a figure for demonstrating the card special use permission method by one Embodiment of this invention. It is a block diagram which shows the card special use permission system by one Embodiment. It is a flowchart which shows the outline | summary of the table maintenance function by one Embodiment. It is a flowchart which shows the outline | summary of the card | curd utilization function by one Embodiment. It is a flowchart which shows the unexpected table maintenance process by one Embodiment. It is a flowchart (the 1) which shows the card | curd utilization process by one Embodiment. It is a flowchart (the 2) which shows the card | curd utilization process by one Embodiment. It is a flowchart (the 3) which shows the card | curd utilization process by one Embodiment. It is a flowchart (the 4) which shows the card utilization process by one Embodiment. It is a figure which shows the example of the (A) card table, (B) unexpected table, (C) utilization results table by one Embodiment. It is a figure (the 1) which shows the example of a series of unexpected table maintenance screens displayed on the card user's terminal device 30 by one Example. It is FIG. (2) which shows the example of a series of unexpected table maintenance screens displayed on the card user's terminal device 30 by one Example.

Explanation of symbols

DESCRIPTION OF SYMBOLS 10 Card special use permission apparatus 11 Card maintenance means 12 Table maintenance means 13 Card use means 14 Use result means 15 Card table 16 Unexpected table 17 Use result table 20 Card maintenance apparatus 30 (Card user's) terminal device 40 (Store's) ) Terminal device

Claims (3)

A usage request reception stage for receiving a card usage request;
A normal usage amount frame determination stage that compares the usage request amount of the received card usage request with the normal usage amount frame corresponding to the card and determines whether it exceeds the normal usage amount frame,
When it is determined that the usage request amount of the accepted card usage request exceeds the normal usage amount frame, the usage request date of the received card usage request is a usage amount exceeding the normal usage amount frame registered in advance by the user. Use that permits the accepted card usage request when the usage request amount of the accepted card usage request is within the special usage amount frame registered in advance by the user. A card special use permission method comprising: a request permission stage.   2. The card special use permission method according to claim 1, wherein the special use amount frame is an upper limit of the use amount per card use, and the use request amount of the received card use request is the special use amount frame. A method of permitting a card usage request exceeding the normal usage amount frame any number of times within the special usage time if: The card special use permission method according to claim 2,
A special use permission number setting step for setting the number of times a card use request exceeding the normal use amount frame is permitted within the special use time that permits use with a use amount exceeding the normal use amount frame registered in advance by the user; Have
If the usage request amount of the received card usage request is less than or equal to the special usage amount frame, the card usage exceeds the normal usage amount frame as many times as possible within the special usage number registered in advance by the user within the special usage time. A method characterized by granting a request.

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