JP2009169835A - Credit card payment method, credit card payment system, and credit card management server - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a method, system and server for eliminating anxiety of password leakage during payment with a credit card. <P>SOLUTION: During payment with a credit card, a credit card management server has: a payment limit setting procedure for setting a payment limit for performing payment with at least a transaction key and a limit amount determined in each credit card by at least transaction identification information and payment limit information notified from a user terminal; and a payment procedure for determining a corresponding payment limit from the payment limit set in the payment limit setting procedure on the basis of credit card information for identifying at least a credit card and a transaction key notified from a store terminal and performing payment within the range of a limit amount of the payment limit. Consequently, since the credit card management server uses a mechanism which attaches importance to genuineness (uniqueness and secrecy) of a transaction, being different from the conventional mechanism that attaches importance to genuineness of a card, so that a load for reinforcing personal information collection from a user and user confirmation can be reduced in a company other than a card company, such as an online store. <P>COPYRIGHT: (C)2009,JPO&INPIT

Description

  The present invention relates to a credit card settlement method, a credit card settlement system, and a credit card management server, and more particularly to a credit card settlement method, a credit card settlement system, and a credit card management server for performing settlement using a credit card.

  In recent years, an opportunity to use a credit card for payment of purchased goods and the like has increased. Use of a credit card eliminates the need to carry cash. Use of a credit card is convenient, but in the case of electronic commerce using the Internet or the like, there is a possibility that even if the credit card is not stolen, the membership number and the expiration date are only stolen. In the case of a credit card with an IC card, the password recorded on the IC card is used if it is within the prescribed amount, and the password registered on the server is confirmed if the prescribed amount is exceeded. There is.

For this reason, a 3-D secure system, which is a new technology in electronic commerce on the Internet, and a security system for safely performing transactions using a credit card have been developed (for example, see Patent Document 1).
JP 2005-52161 A

  However, if a keylogger is set up in a malicious electronic store or the like, the possibility of the password being stolen remains. Normally, when making a payment with a credit card, the user depends on an internal operation by a store clerk at the store, and therefore, if it is not normal, there is no fear of password leakage. In addition, there were issues such as the possibility of unlimited use if theft was not noticed.

  In addition, the current credit card payment system is centered on shops, payment agencies, and card companies. For example, even if credit payment is made, the user is not aware that the payment has been made correctly until the usage details arrive. There is also.

  The present invention has been made in view of the above points, and an object of the present invention is to provide a credit card settlement method and a credit card settlement system that can easily and safely perform settlement using a credit card.

  The present invention is a credit card settlement method for performing a settlement using a credit card, and the credit card management server uses at least a transaction key and a limit for each credit card based on at least transaction identification information and settlement frame information notified from a user terminal. A payment frame setting procedure for setting a payment frame for performing payment with a fixed amount, and the credit card management server sets a payment frame based on at least credit card information and a transaction key for identifying the credit card notified from the store terminal. A settlement procedure for determining a corresponding settlement frame from the settlement frame set in the procedure, and performing a settlement within a range of a limit of the determined settlement frame.

  According to the present invention, unlike a conventional mechanism that emphasizes the authenticity of a card, a mechanism that emphasizes the authenticity (uniqueness and confidentiality) of a transaction is characterized. The burden of strengthening personal information collection and user confirmation from can be reduced.

  In the settlement procedure, a plurality of settlement frames are determined based on the combination of the transaction keys notified from the user terminal, and settlement is performed within a total range of the determined limits of the plurality of settlement frames. And

  Further, in the payment procedure, the credit card management server determines a payment frame based on a payment frame creation request from the user terminal, notifies the user terminal of a transaction key of the determined transaction frame, When the transaction key notified from the store terminal is the transaction key notified to the user terminal by the credit card management server, the payment is made within the range of the limit amount of the corresponding settlement frame.

  Further, in the payment procedure, the credit card management server determines a payment frame based on a payment request from the user terminal at the time of payment, notifies the user terminal of a transaction key of the determined transaction frame, The credit card management server is within a limit range of transaction limits corresponding to the transaction key notified to the user terminal when the transaction key notified from the store terminal is the transaction key notified to the user terminal. It is characterized by making a settlement.

  According to the present invention, a credit card notified from a store terminal by a credit card management server is set by a user terminal on a credit card management server for each credit card with a settlement frame in which at least a transaction key and a limit amount are determined. Because the payment frame is determined based on the credit card information that identifies the card and the transaction key, payment can be made within the range of the determined payment frame limit, and payment can be made without presenting a password. Payment using a credit card can be done easily and safely.

  FIG. 1 shows a system configuration diagram of an embodiment of a credit card settlement system of the present invention.

  The credit card settlement system 100 of this embodiment is configured such that a user terminal 111, a credit card management server 112, and a store terminal 113 can communicate with each other via a network 114.

  FIG. 2 shows a block configuration diagram of the user terminal 111.

  The user terminal 111 includes, for example, a mobile phone, a portable terminal capable of wireless communication, and the like, and includes a communication unit 121, a processing unit 122, a storage unit 123, an input unit 124, a microphone 125, a speaker 126, a camera 127, and a display. The unit 128 and the like are included.

  The communication unit 121 communicates with a mobile phone network or the like.

  The processing unit 122 executes data processing based on the agent program stored in the storage unit 123. The storage unit 123 includes a nonvolatile memory, a volatile memory, and the like, and stores programs, data, and the like. The agent program installed in the user terminal 111 is provided from the credit card management server 112, for example.

  The input unit 124 includes a key switch, a pointing device, and the like, and is a device for inputting various instructions to the processing unit 122.

  The microphone 125 converts the user's voice into a signal and supplies the signal to the processing unit 122. The speaker 126 outputs the audio signal from the processing unit 122 as audio.

  The imaging unit 127 includes a CCD camera or the like, and reads a two-dimensional barcode or the like. The image read by the imaging unit 127 is supplied to the processing unit 122.

  The display unit 128 includes an LCD or the like, and is driven based on the image data from the processing unit 122 to display, for example, a two-dimensional barcode corresponding to the transaction key.

  FIG. 3 shows a block diagram of the credit card management server 112.

  The credit card management server 112 includes a server computer system, and includes a communication unit 131, a processing unit 132, a storage unit 133, a memory 134, an input unit 135, and a display unit 136.

  The communication unit 131 is a device for communicating with the user terminal 111 and the store terminal 113 via the network 114.

  The processing unit 132 performs management processing based on a program installed in the storage unit 133. The storage unit 133 is configured by a non-volatile storage device such as a hard disk drive, and stores a program executed by the processing unit 132, a payment frame table, a payment use management table, a payment frame definition table, and the like.

  FIG. 4 is a data configuration diagram of a table stored in the storage unit 133. 4A shows a used payment frame management table, FIG. 4B shows a payment frame use management table, and FIG. 4C shows a payment frame definition table.

  As shown in FIG. 4A, the use settlement frame management table is a member number, a transaction key, a transaction encryption table, a settlement frame ID, a billable amount, a permission permit, an operation ID, a use date, a use amount, and a member store number. This table is composed of time stamps and the like, and is a table for managing information related to the payment frame used for each payment. For example, a transaction ID can be used as a transaction key.

  The member number corresponds to the member number of the credit card. The transaction key indicates a key for identifying a settlement frame. The transaction encryption table is a table that stores information obtained by encrypting the used transaction key, and is used for confirming the transaction key. The payment frame ID stores identification information of the used payment frame.

  The chargeable amount indicates an amount that can be charged in a transaction. The permission / inhibition is information indicating permission / inhibition of transaction. The operation ID indicates information indicating the status of processing such as whether credit is allowed, whether provisional billing is possible, whether this billing is possible, whether cancellation is possible.

  The use date / time indicates the date / time when the settlement frame is used. The usage amount indicates the amount used in the transaction. The member store number is information for identifying the member store used.

  As shown in FIG. 4B, the settlement frame usage management table is composed of a membership number, transaction key, number of transaction limit frames, limit amount, balance, account information, terminal identifier, and the like. to manage. Note that description of the same items as those in FIG.

  The number of transaction limit slots indicates the upper limit of the number of transaction limit slots. The limit amount frame indicates the limit amount of the corresponding settlement frame. The remaining amount indicates the remaining amount of the corresponding settlement frame.

  In the account information, account information for a payment frame is stored. In the terminal identifier, a terminal identifier that is permitted to be used is stored.

  As shown in FIG. 4C, the settlement frame definition table is a table in which the transaction key, the limit number, and the limit amount of the created settlement frame are defined for each member number. By referring to the settlement frame definition table, it is possible to obtain information such as the transaction key of the settlement frame created for each member number, the number of transaction limit frames, and the limit frame.

  The credit card management server 112 determines the settlement frame to be used with reference to the above table and notifies the transaction key.

  The memory 134 is composed of a volatile memory, and is used as a working storage area for the processing unit 132.

  The input unit 135 includes a keyboard, a mouse, and the like, and is used for data input and instructions to the processing unit 132. The display unit 136 includes an LCD, a CRT, and the like, and displays a processing status in the processing unit 132 and the like.

  The credit card management server 112 performs payment frame registration and payment processing for the credit card 115 based on a program installed in the storage unit 132.

  FIG. 5 shows a block diagram of the store terminal 113.

  The store terminal 113 is composed of a POS system, for example, and includes a communication unit 141, a processing unit 142, a storage unit 143, an operation unit 144, a display unit 145, a card reader 146, a barcode reader 147, an imaging unit 148, printing. The unit 149 and the like are included. The store terminal 113 communicates with the credit card management server 112 to make a request for product purchase settlement using the credit card 115.

  The communication unit 141 communicates with the credit card management server 112 through the network 114.

  The processing unit 142 executes a program installed in the storage unit 143, and performs processing such as summing up product information obtained by reading the barcode attached to the product with the barcode reader 147 and issuing a receipt.

  The storage unit 143 includes a nonvolatile memory and a volatile memory, and stores read product information and the like and is used as a working storage area of the processing unit 142.

  The operation unit 144 includes a keyboard and the like, and inputs a product code, a purchase amount, and instructs the processing unit 142 to perform various processes.

  The display unit 145 is composed of a liquid crystal display or the like, and displays product information and the purchase price thereof, and displays a two-dimensional bar code that encodes product information, purchase price, credit card information, and the like.

  The card reader 146 includes a magnetic card reader, an IC card reader, and the like, and reads credit card information from the credit card 115 or the like.

  The barcode reader 147 reads the barcode attached to the product and supplies the product information to the processing unit 142.

  The imaging unit 148 reads a two-dimensional barcode displayed on the display unit 128 of the user terminal 111. The two-dimensional barcode read by the imaging unit 148 is supplied to the processing unit 142. The processing unit 142 extracts a transaction key and the like from the two-dimensional barcode supplied from the imaging unit 148.

  Next, processing of the credit card settlement system 100 of the present embodiment will be described.

  6 to 8 show operation flowcharts of an embodiment of the present invention.

  FIG. 6 shows an operation flowchart when executing the settlement frame registration process.

  In order to use the credit card settlement system 100 of the present embodiment, first, the user logs on the credit card management server 112 by operating the user terminal 111 in step S1-1. At this time, the member number and password are transmitted to the credit card management server 112, and the credit card management server 112 acquires the unique identification ID of the user terminal 111 based on the member number and password, and permits connection.

  The credit card management server 112 permits the connection of the user terminal 111 in step S1-2, and information such as a limit amount, the number of usages, and an expiration date for setting a payment frame from the user terminal 111 in step S1-3. Is received, the payment frame is set based on the information provided from the user terminal 111 in step S1-4.

  In FIG. 6, for example, the limit amount is 20,000 yen, the number of usage is 1, and the settlement frame for the expiration date of December 31, 2008 is set.

  When the payment frame is set at the front end, the credit card management server 112 creates a transaction key using a predetermined conversion logic in step S1-5. The credit card management server 112 sets the transaction key created in step S1-6 to the set settlement frame, registers it in the settlement frame table, and notifies the user terminal 111 in step S1-7.

  The credit card management server 112 terminates the connection with the user terminal 111 by a log-off operation of the user terminal 111 in step S1-8.

  As described above, the payment frame is set in the credit card management server 112. Thereafter, the user can make a payment using the user terminal 111 and the credit card 115 within the limit amount set in the payment frame. At this time, the payment can be made with the credit card information and the transaction key, and the payment can be made easily.

  Next, the operation when purchasing a product using the settlement frame set as described above will be described.

  FIG. 7 shows an operation flowchart at the time of product purchase using the settlement frame.

  Here, for convenience of the user, a case will be described in which payment is performed using a payment frame, and an agent application of the user terminal 111 is activated and used in advance. First, in step S2-1, the user activates an agent application of the user terminal 111 in advance. When the agent application is activated, the user terminal 111 requests connection to the credit card management server 112 in step S2-2.

  The credit card management server 112 requests a membership number and password from the user terminal 111 at the front end, and the membership number provided from the user terminal 111 or an alternative user ID and password are authenticated. In step S2-3, the connection of the user terminal 111 is permitted.

  On the other hand, the store clerk operates the store terminal 113 to sequentially read the barcodes from the products purchased by the user from the barcode reader 147, whereby the products purchased by the user are counted by the store terminal 113. Here, when a user performs a payment using a payment frame, the store clerk operates the store terminal 111 to cause the store terminal 111 to execute a payment process using the payment frame.

  The store terminal 113 instructs the store clerk or user to read the credit card 115 of the user. In step S2-4, the store clerk or user causes the card reader 146 to read information on the credit card 115 in response to an instruction from the store terminal 113.

  When the credit card information is read by the credit card 115, the store terminal 111 creates purchase information including the credit card information and the transaction amount in step S2-5 for the convenience of the user. A two-dimensional barcode is created from the information and displayed on the display unit 145.

  The user reads the two-dimensional barcode of the purchase information displayed on the display unit 145 of the store terminal 113 in step S2-6 using the imaging unit 128 of the user terminal 111. The user terminal 111 restores purchase information from the two-dimensional barcode captured by the imaging unit 128.

  Here, the user terminal 111 permitted to connect to the credit card management server 112 transmits the purchase information restored in step S2-7 to the credit card management server 112.

  The credit card management server 112 searches the payment frame table based on the credit card information in step S2-8, and extracts the payment frame corresponding to the credit card information in step S2-9. At this time, if multiple payment frames are set, the transaction amount is compared with the limit set in the payment frame, and the payment frame that is larger than the transaction amount and closest to the transaction amount is extracted. To do.

  The credit card management server 112 reads the transaction key of the payment frame extracted in step S2-10 and notifies the user terminal 111 of it. The user terminal 111 converts the transaction key notified from the credit card management server 112 in step S2-11 into a two-dimensional barcode, and displays it on the display unit 127. The user makes the display unit 127 of the user terminal 111 face the imaging unit 148 of the store terminal 113. The shop terminal 113 reads the two-dimensional barcode displayed on the display unit 127 of the user terminal 111 and supplies it to the processing unit 122.

  The store terminal 113 restores the transaction key from the two-dimensional barcode read from the imaging unit 148. The store terminal 113 transmits the restored transaction key to the credit card management server 112 by a key operation instructing credit by the operation unit 144, and requests credit in step S2-12. The credit card management server 112 refers to the settlement frame table based on the transaction key included in the credit request from the store terminal 113 in step S2-13, and whether there is a settlement frame corresponding to the transaction key, It is determined whether or not the transaction is possible with reference to the balance of the settlement frame. The credit card management server 112 notifies the store terminal 113 of the credit determination result in step S2-14.

  If the credit determination result from the credit card management server 112 is OK, the store terminal 113 displays that fact on the display unit 145 and instructs a billing operation. When the store clerk performs a billing operation by the operation unit 144, the store terminal 113 transmits a transaction key together with a billing request including the transaction amount to the credit card management server 112 in step S2-15. When the credit determination result is OK in step S2-14, the billing operation may be automatically completed simultaneously with steps S2-12 and S2-15. As a result, the settlement process can be completed at one time.

  The credit card management server 112 leaves the transaction amount from the settlement frame corresponding to the transaction key supplied from the store terminal 144 in step S2-16. The credit card management server 112 notifies the settlement result to the store terminal 113 in step S2-17.

  This completes the settlement of the transaction amount for purchasing the product.

  The user can purchase a product using the credit card 115 and the transaction key. At this time, the product can be purchased within the limit amount set in the settlement frame corresponding to the transaction key. As a result, the credit card 115 can be used as a prepaid card, and transactions with the credit card 115 can be performed safely and easily.

  Further, since the store only presents a transaction key that is different from the credit card information for each transaction, there is no fear that the password for accessing the credit card management server 112 will be leaked, and the transaction can be performed safely.

  Furthermore, even if the credit card information and the transaction key are illegally known and the credit card is used, the credit card information and the transaction key can be used only within the range of the settlement frame, so that damage can be minimized.

  In FIG. 7, the case where payment is performed using one payment frame for one payment has been described, but payment may be performed using a plurality of payment frames.

  FIG. 8 is a diagram for explaining the operation in the case where payment is made using a plurality of payment frames.

  When the transaction amount is larger than the limit amount of one settlement frame, a plurality of settlement frames are searched for which the sum of the limit amount is larger than the transaction amount and approximates the transaction amount. The transaction key at this time is, for example, a combination of transaction keys of a plurality of transaction slots.

  For example, as shown in FIG. 8, when the transaction amount is 65,000 yen and a plurality of settlement slots including a settlement slot with a limit of 20,000 yen and a settlement slot with a limit of 50,000 yen are set, Settlement is performed using two settlement frames, a settlement frame with an amount of 20,000 yen and a settlement frame with a limit amount of 50,000 yen. At this time, the credit card management server 112 combines the transaction key “4286” of the settlement frame with the limit amount of 20,000 yen and the transaction key “8421” of the settlement frame with the limit amount of 50,000 yen in Step S3-1 into one transaction. A key “4288421” is created and data converted, and the user terminal 111 is notified in step S3-2. As a result, even when one settlement is performed using a plurality of settlement frames, processing can be performed in the same manner as when one settlement is performed using one settlement frame.

  At the time of billing, the credit card management server 112 divides the transaction key “4288421” supplied from the store terminal 113 in step S3-3 into “4286” and “8421”, and the settlement frame and transaction of the transaction key “4286”. The settlement frame of the key “8421” is searched, the corresponding settlement frame is specified in step S3-4, and credit and billing are performed.

  At the time of billing, for example, the entire amount is left from the settlement frame of the small transaction key “4286”, and the remaining is left from the settlement frame of the large transaction key “8421”. Various methods for leaving the transaction amount from a plurality of settlement frames are conceivable and are not limited to the above methods.

  In the present embodiment, purchase information is acquired by reading a two-dimensional barcode displayed on the store terminal 113 by the imaging unit 128 of the user terminal 111, and purchase information is acquired from the user terminal 111 to the credit card management server 112. And the transaction key of the corresponding settlement frame is acquired from the credit card management server 112, but the transaction key notified to the user terminal 111 when the settlement frame is set or the like is displayed on the display unit 127 of the user terminal 111. May be displayed and read by the imaging unit 148 of the store terminal 113 to perform settlement. At this time, the use of a prepaid card becomes possible by omitting credit from the store terminal 113. In other words, it is possible to make a settlement simply by presenting the transaction key. In the system of the present embodiment, even if an IC card is attached to the credit card, the transaction key registered in the settlement frame of the server is preferentially used. In the case of 3D-secure use, the settlement frame of the server is also used. A registered transaction key is preferentially used.

  As a method of notifying various kinds of information to the user, it is also possible to use an automatic activation cooperation of an e-mail or a mobile phone application program.

  Further, in the present embodiment, an input device for user input may be provided in the store terminal 113, and the user may directly input a transaction key to the store terminal 113 using this input device.

  Further, the payment frame set in the credit card management server 113 can be used for a certain period within the limit amount, and may be arbitrarily set and canceled by the user. This makes it possible to improve the degree of freedom of use of the credit card 115 by the user.

  FIG. 9 is a diagram for explaining the operation of a modification of the embodiment of the present invention. In the figure, the same components as in FIG.

  The credit card settlement system of this modification is a system that performs the credit card settlement of the present invention by 3D secure. Here, a case where purchase is performed on the Internet will be described. Therefore, here, the user terminal 111 is, for example, a personal computer, and the store terminal 112 is a server on the electronic store side. In addition, it is assumed that the user registers a card number, ID, and password in the credit card management server 112 in advance.

  In step S 4-1, the user operates the user terminal 111 to apply for purchase of a product to the store terminal 112 using the settlement frame. At this time, the card number, ID, etc. are notified to the store terminal 112 from the user terminal 111 to the store terminal 112.

  The store terminal 112 makes a registration confirmation request to the credit card management server 113 based on the card number and ID notified from the user terminal 111 in step S4-2. The credit card management server 113 confirms the registration of the user based on the card number and ID notified from the store terminal 112. When the registration of the user is confirmed, the user terminal 111 confirms the identity in step S4-3. Make a request. The identity confirmation request is made, for example, by displaying the identity confirmation request screen on the user terminal 111 in a window. Note that a password input box is provided on the identity confirmation request screen.

  The user operates the user terminal 111 to input the password registered in the password input box and clicks the send button. When the send button is clicked, the user terminal 111 notifies the credit card management server 113 of the password input in the password input box on the personal identification request screen in step S4-4.

  The credit card management server 113 confirms the user with the password notified from the user terminal 111, and if approved, notifies the store terminal 112 of the authentication result indicating that it has been approved in step S4-5. When the store terminal 112 is notified of the authentication result indicating approval from the credit card management server 113, the purchase procedure using the payment frame is performed in step S4-6.

  In addition, although the said modification demonstrated the case where goods were purchased in an electronic store via the internet, it is applicable also when a user purchases in a real store using a portable terminal.

  In this case, the user terminal 111 becomes a portable terminal carried by the user, and the store terminal 112 becomes a POS terminal set in an actual store, a personal computer, or the like. At this time, the user registers the card number, ID, settlement frame, and transaction key in the credit card management server 112 in advance.

  In this case, when the user terminal 111 receives an identity confirmation request from the credit card management server 112 in step S4-3, a transaction key input box for entering a transaction key in place of the password is displayed on the identity confirmation request screen. The The user inputs a transaction key in the transaction key input box and notifies the credit card management server 112 of the transaction key. When the transaction key is notified in step S4-4, the credit card management server 112 performs identity verification and authentication of the settlement frame using the transaction key. If approved, the credit card management server 112 is approved by the store terminal 112 in step S4-5. Notify the authentication result.

  Moreover, in the said modification, although the credit card management server 112 requested | required the identity confirmation request to the user terminal 111, in the case of the goods purchase procedure in a real store, you may make it request to the store terminal 112. .

  When the credit card management server 113 is notified of the user confirmation request from the store terminal 112 in step S4-2, the credit card management server 113 requests the store terminal 112 for identity verification in step S4-11. The store terminal 112 displays an identity confirmation screen on the display unit. At this time, in order to prevent fraud on the store side, a part of the transaction key may be displayed. By referring to the transaction key, the user can recognize that the request from the credit card management server 113, that is, the credit card management server 113 is involved.

  The user confirms the identity by inputting a password or a transaction key in the input portion of the identity confirmation screen displayed on the display portion of the store terminal 112.

  Further, in the present embodiment, the case where the transaction key corresponding to the settlement frame is registered in advance has been described. However, the credit card management server 112 is created at the time of user confirmation request from the store terminal 112 and the created transaction key is used The user terminal 111 may be notified at the time of identity confirmation notification.

  In the above-described embodiments and modifications, the credit card management server 111 is described as being integrated with a credit card issuing company and a credit card company. You may make it manage a card and perform a purchase procedure in a credit card company.

  Note that the transaction key displayed on the user terminal 111 at the time of settlement may be used.

  The user inputs the transaction key notified from the credit card management server 112 to the user terminal 111 using an input device such as a numeric keypad provided in the store terminal 112. The store terminal 112 notifies the transaction key to the credit card management server 113, and performs the payment using the settlement frame corresponding to the transaction key notified by the credit card management server 113. Note that a transaction key may be received in advance at the time of settlement frame setting, and if the transaction key is known in advance at the time of transaction, the transaction key may be input at the time of credit.

  Further, when confirming the use of the user terminal 111, the URL may be notified to the user terminal 111 for confirmation. Alternatively, one or a plurality of settlement frames may be used with a credit card having a parent-child relationship. More specifically, only the parent card can set the payment frame, and when the child card is used, the usage status is notified to the parent card. On the other hand, when the parent card is used, the usage status may or may not be notified to the child card. Further, only the parent card may be allowed to set a payment frame.

  Furthermore, the credit card management server 112 may provide a plurality of settlement frames for one credit card 115 and restrict the use terminals 111 that can be used for each settlement frame.

  For example, in the table configuration of the storage unit 133, a terminal identifier can be assigned to each payment frame, and only the assigned terminal identifier can use the payment frame. Accordingly, for example, a representative or the like sets a payment frame, and an employee, a family, or the like can use only the payment frame set to be used using each user terminal 111.

  Note that a current mobile phone or the like has a terminal manufacturing number, a card manufacturing number of an IC card built in the mobile phone, and the like, which are used as a terminal identifier. These terminal identifiers can be easily grasped by the credit card management server 112 by access from a mobile phone. When the credit card management server 112 manages the terminal identifier for each payment frame, it is possible to set a payment frame for each user terminal 111.

  As described above, the amount of money that can be used for the payment frame of each employee and family can be limited, and the representative can also individually grasp the usage history of each employee and family.

  In addition, this invention is not limited to the said Example, It cannot be overemphasized that a various modified example can be considered in the range which does not deviate from the summary of this invention.

It is a system configuration figure of one example of the present invention. It is a block block diagram of the user terminal 111. It is a block block diagram of the credit card management server 112. 4 is a data configuration diagram of a table stored in a storage unit 133. FIG. It is a block block diagram of the shop terminal 113. It is an operation | movement flowchart of one Example of this invention. It is an operation | movement flowchart of one Example of this invention. It is an operation | movement flowchart of one Example of this invention. It is operation | movement explanatory drawing of the modification of one Example of this invention.

Explanation of symbols

100 credit card payment system 111 user terminal, 112 credit card management server, 113 store terminal 114 network, 115 credit card 121 communication unit, 122 processing unit, 123 storage unit, 124 input unit, 125 microphone 126 speaker, 127 camera, 128 Display unit 131 Communication unit, 132 processing unit, 133 storage unit, 134 memory, 135 input unit 136 Display unit 141 communication unit, 142 processing unit, 143 storage unit, 144 operation unit, 145 display unit 146 card reader, 147 barcode reader 148 Imaging unit, 149 Printing unit

Claims (9)

A credit card payment method that uses a credit card for payment,
A credit card management server, a settlement frame setting procedure for setting a settlement frame for performing a settlement in which at least a transaction key and a limit amount are determined for each credit card based on at least transaction identification information and settlement frame information notified from a user terminal; ,
The credit card management server determines a corresponding payment frame from the payment frame set in the payment frame setting procedure based on at least credit card information for identifying the credit card notified from the store terminal and the transaction key. A credit card settlement method comprising: a settlement procedure for performing settlement within a range of a determined limit of the settlement frame. 2. The settlement procedure determines a plurality of settlement frames based on a combination of the transaction keys notified from the user terminal, and performs settlement within a total range of the determined limits of the plurality of settlement frames. The credit card payment method described. In the payment procedure, the credit card management server determines a payment frame based on a payment frame creation request from the user terminal, notifies the user terminal of a transaction key of the determined transaction frame,
2. The credit card according to claim 1, wherein when the transaction key notified from the store terminal is a transaction key notified to the user terminal by the credit card management server, the credit card is settled within a range of a corresponding settlement limit. Payment Method. In the payment procedure, the credit card management server determines a payment frame based on a payment request from the user terminal at the time of payment, notifies the user terminal of a transaction key of the determined transaction frame,
In the range of the limit of the transaction frame corresponding to the transaction key notified to the user terminal when the transaction key notified from the store terminal is the transaction key notified to the user terminal, the credit card management server The credit card settlement method according to claim 1, wherein settlement is performed. In the payment procedure, the credit card management server determines a payment frame based on a payment request from the store terminal at the time of payment, notifies a transaction key of the determined transaction frame to the user terminal,
When the transaction key notified from the store terminal by the credit card management server is the transaction key notified to the user terminal, the limit of the transaction limit corresponding to the transaction key notified to the user terminal The credit card settlement method according to claim 1, wherein settlement is performed. The settlement frame setting procedure sets a user terminal identifier for identifying a user terminal that can be used for each transaction key together with the transaction key,
The payment procedure determines a corresponding payment frame from the payment frame set in the payment frame setting procedure based on the user terminal identifier and the transaction key, and performs payment within a range of the determined payment frame limit. The credit card settlement method according to claim 1 to be performed. A credit card payment system that has a user terminal, a store terminal, a credit card management server, and performs payment using a credit card,
The credit card management server
A settlement frame setting means for setting a settlement frame for performing settlement in which at least a transaction key and a limit amount are determined for each credit card based on at least transaction identification information and settlement frame information notified from the user terminal;
Based on at least credit card information for identifying the credit card notified from the store terminal and the transaction key, a corresponding settlement frame is determined from the settlement frame set by the settlement frame setting means, and the determined settlement frame A credit card settlement system having a settlement means for performing settlement within the range of the limit amount. A credit card payment system that has a user terminal, a store terminal, a credit card management server, and performs payment using a credit card,
The user terminal accesses the credit card management server using the credit card information and password of the credit card at the time of transaction frame setting, and requests setting of a transaction frame including a transaction key and a limit amount,
The credit card management server sets a transaction frame including at least a transaction key and a limit based on a transaction frame setting request from the user terminal,
The store terminal notifies the credit card management server of the credit card information and the transaction key at the time of payment using the transaction frame,
The credit card management server determines a payment frame corresponding to the credit card information from the store terminal and the transaction key, and performs payment within a range of the determined payment frame limit. A credit card management server that communicates with a user terminal and a store terminal and performs payment using a credit card,
A settlement frame setting means for setting a settlement frame for performing settlement in which at least a transaction key and a limit amount are determined for each credit card based on at least transaction identification information and settlement frame information notified from the user terminal;
Based on at least credit card information for identifying the credit card notified from the store terminal and the transaction key, a corresponding settlement frame is determined from the settlement frame set by the settlement frame setting means, and the determined settlement frame A credit card management server having a settlement means for performing settlement within a range of the limit amount.

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