JP2009301397A - Real credit decision device for credit card and method thereof - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a real credit decision device and its method for restricting the store use of a credit card which is highly likely to be illegally used by totaling the number of times of collation of a member's telephone number in card member registration information to be transmitted from a plurality of credit card company servers, and distributing a notification level corresponding to the total result to a plurality of credit card company servers in real time in response to a request. <P>SOLUTION: The real credit decision device of a credit card includes: an access counter means 18; an access decision means 20; a telephone number history information database 22; and an arithmetic control part 26 for controlling a history decision means 24 to retrieve a history from a telephone number history information database 22, and to perform the arithmetic operation of a notification level, and for controlling a notification level transmission means 28 to transmit the alarm information of any one of "use stop level" of strong notification, "warning level" of middle notification and "warning level" of weak notification to a credit card company server 10a. <P>COPYRIGHT: (C)2010,JPO&INPIT

Description

  The present invention aggregates the number of inquiries for a member telephone number in card member registration information transmitted from a plurality of credit card company servers, and reports a plurality of credit cards in real time according to a request for a notification level corresponding to the total result. The present invention relates to a credit card real credit judging device and method for restricting the use of a credit card with a high possibility of unauthorized use by spreading to a company server.

  Previously, the monthly usage of all 350 million telephone numbers (landline and mobile telephones) that were approved for use by the Ministry of Internal Affairs and Communications was surveyed every month, and telephone usage data for the past several decades was called. Register in the number history database and provide a referral service using a computer for the usage history of new calls, missing numbers, relocation calls, convenience removals, etc. It was decided.

  In the past, however, a malicious third party misappropriated the identity card of another person with high credit (credit) and impersonated the user. Multiple credit cards and a mobile phone terminal for identity verification (usually called "mobile phone") Credit card that was illegally acquired in a virtual store such as online store or Internet e-commerce or mail order, etc., due to contractual use of the credit card. At this stage, an accident report is sent to the consumer service support center that a fraudulent contract is revealed by a reminder mailed from a credit card company or mobile phone company. In this case, there are many credit card companies that issue a credit card simply and quickly by performing identity verification and credit examination at the time of card use contract but reducing the credit limit. Further, when the credit card price of the fraudulent contract is collected, the credit card company confirms the location and contact information of the contractor when the first payment arrears, and delivers the reminder by mail as described above.

  For such credit card accidents, a person impersonated immediately can apply for the suspension of use of the mobile phone, but it is difficult to cancel the credit card because it is necessary to pay the unpaid money to cancel the credit card. There was a problem that the debt of the impersonated person or the credit card company could not be canceled without going through the tedious and cumbersome court procedure such as fraud and invalidation of civil contract.

  Also, even if you consult the police about these credit card accidents, the victim will be a credit card company, so if the credit card company does not report damages, the police will argue that nothing can be done. However, there are also cases in which the impersonated person is threatened to deliver a reminder to the contractor and take legal proceedings if he / she does not file a damage report with the police. Of course, a malicious third party who has illegally contracted is often missing or unknown.

  Under such circumstances, the inventor of the present application periodically checks the usage state of the telephone number, and stores each investigation result as the investigation information history in the hard disk of the server. The telephone number usage data including the “reason indication”, “survey date”, and “new subscriber number” that is the address of the relocation or contact identified at the time of the survey is returned for each telephone number. A history information storage means is provided for storing a plurality of different telephone number usage status data as telephone number history information in a time series. The "new subscriber number" is registered as the next survey telephone number, and a user calls over the Internet. Upon receiving the number search request, the telephone number history information is sent to the user, and the telephone number user's telephone number history information is provided to the user via the Internet line. We propose a telephone number history information examination providing system that facilitates disconnection (see Patent Document 1).

JP 2006-33870 A

  However, the above-mentioned telephone number history information investigation and provision system provides telephone number information including the current (latest investigation results) and past history to the terminal side via a communication line such as the Internet upon request. Although the accuracy of customer credit information has been improved, there is a certain limit to restraining the increase in the amount of damage against unauthorized use of credit cards for a short period of time.

  The present invention has been made in response to such a problem, and totals the number of inquiries of the member telephone number in the card member registration information transmitted from a plurality of credit card company servers, and corresponds to the total result. Provided is a credit card real credit judgment device and method for restricting the use of a credit card with a high possibility of unauthorized use by spreading a notification level to be distributed to a plurality of credit card company servers in real time upon request. For the purpose.

  In order to achieve the above object, the real credit decision device of the present invention is connected to a plurality of credit card company servers 10 and a plurality of store terminals 12 via communication lines 14a and 14b, for example, as shown in FIG. The credit card real credit judging device 16 for judging the use of the cards 27a to 27d in the store, and increments the number of accesses within a predetermined period for each member telephone number inquired from a plurality of credit card company servers 10 or An access counter means 18 for storing a numerical value to be decremented, an access determination means 20 for determining the number of inquiries of the member telephone number registered by the card user from the numerical value of the access counter means 18, and a “valid” usage history of the telephone number The usage history of existing fixed or mobile phone numbers is stored in advance as a storage device (for example, hard disk or magneto-optical The telephone number history information database 22 stored on a disc or Digital Versatile Disc, and the inquiry of the member telephone number corresponding to the card information that is collated when using the card in the store (for example, a real store or a virtual store) from the store terminal 12a Is received from the credit card company server 10a, and the member telephone number is searched from the telephone number history information database 22 using the member telephone number as a search key. When the member telephone number is inquired, “missing number” (one example) As a result, when it is determined that the telephone number that has been used in the past has been abolished), a predetermined consecutive missing number period (for example, within three months or one year) of the member telephone number and determination by the access determination means 20 The notification level is calculated using the result (for example, more than three accesses) as a notification parameter, and this calculation result is calculated. Based on the information, the notification level transmission means 28 inquires of the member telephone number for any one alarm information of “not use level” of notification strength, “warning level” of notification, and “warning level” of notification low. The gist is to include an arithmetic control unit 26 (as an example, a central processing unit CPU) that controls to be transmitted to the credit card company server 10a.

  If comprised in this way, the calculation control part 26 alert | reports the predetermined continuous missing number period (for example, within three months or one year) of the member telephone number, and the determination result of the access determination means 20 (for example, access exceeds 3 times). A notification level is calculated as a parameter, and based on the calculation result, the alarm level transmission means 28 is one of alarms of “use stop level” where notification is strong, “warning level” during notification, and “warning level” when notification is low. Since the information can be transmitted to the credit card company server 10a that is inquiring about the member telephone number, the credit card company can store the fraudulent card in the store earlier than before (for example, when the first payment is overdue). Usage can be disabled.

  In order to achieve the above object, the real credit decision device of the present invention includes, for example, a domestic prefix number “0”, an assumed area code, a city code, and a subscriber number as shown in FIG. A telephone number history information database 22 that stores a fixed number of digits or a usage history of a mobile telephone number in a storage device (for example, a hard disk, a magneto-optical disk, or a digital versatile disc), a plurality of store terminals 12, and a plurality of credits It is connected to the card company server 10 via the communication lines 14a and 14b, receives card information from the store terminal 12a when using the card 27a in the store, and transmits the card information to the credit card company server 10a corresponding to this card information. Accepting the inquiry of the member telephone number corresponding to the card information from the credit card company server 10a, When the member telephone number access counter means 18 is incremented or decremented, the telephone number history information database 22 is searched using the inquired member telephone number as a search key, and the member telephone number inquiry is accepted When the history determination unit 24 determines the history of a predetermined consecutive numbering period until (for example, within three months or one year), the access determination unit 20 refers to the access counter unit 18 to determine whether the access number exceeds the threshold (example) When the access is over 3 times within 30 days), the notification level transmitting means 28 makes an inquiry about the member telephone number for the alarm information of the “use stop level” of the notification strength or the “warning level” being notified. The gist of the present invention is to include an arithmetic control unit 16 that controls to be transmitted to the credit card company server 10a.

  If comprised in this way, the real credit determination apparatus 16 will function as a relay server of the some shop terminal 12 and the some credit card company server 10, and the arithmetic control part 16 provided in the real credit determination apparatus 16 will be referred to Search the telephone number history information database 22 using the registered member telephone number as a search key, and record the history of a predetermined consecutive numbering period (for example, within three months or one year) until the time when the member telephone number inquiry is received. When the history determination unit 24 determines, the access determination unit 20 refers to the access counter unit 18 and determines that the access number exceeds the threshold (for example, the access exceeds 3 times within 30 days). The alarm level transmission means 28 is inquiring of the member telephone number for the alarm information of “stop level” or “warning level” being notified. It is possible to be sent to the JIT card company server 10a, the credit card company is conventional (for example, payment at the time arrears first time) can be set to disable the in-store use of unauthorized card at an early stage compared to.

  In order to achieve the above object, the real credit decision device of the present invention includes, for example, a domestic prefix number “0”, an assumed area code, a city code, and a subscriber number as shown in FIG. Communicate to a plurality of credit card company servers 10 and a telephone number history information database 22 that stores a fixed number of digits or usage history of a mobile telephone number in a storage device (for example, a hard disk, a magneto-optical disk, or a digital versatile disc). Connected via the line 14c and when using the user card 27 as a credit card in the store, from the store terminal 12a via a communication line (as an example, an arrow line between the member store B1 and the credit company A1 in the figure) The credit card company server 10a that receives the card information receives an inquiry about the member telephone number corresponding to the card information. In addition, the access number of the access counter means 18 for the member telephone number is incremented or decremented, and the member telephone number inquired from the credit card company server 10a is retrieved from the telephone number history information database 22 as a retrieval key, and the member is retrieved. When the history determination means 24 determines the history of a predetermined consecutive missing number period (for example, within three months or one year) until the time when the telephone number is inquired, the access determination means 20 refers to the access counter means 18 and the number of accesses When it is determined that the threshold value is exceeded (for example, access is exceeded three times within 30 days), the notification level transmission means 28 sends the alarm information of the “use stop level” of the notification strength or the “warning level” of the notification to the member telephone. An arithmetic control unit 26 for controlling the number to be transmitted to the credit card company server 10a inquiring the number. This is the gist.

  If comprised in this way, the real credit determination apparatus 16 functions as an inquiry server which returns the reply with respect to the inquiry of the some credit card company server 10, and the calculation control part 16 provided in the real credit determination apparatus 16 is a member. When the history determination means 24 determines the history of a predetermined consecutive missing number period (for example, within three months or one year) until the time when the telephone number is inquired, the access determination means 20 refers to the access counter means 18 and the number of accesses When it is determined that the threshold value is exceeded (for example, access is exceeded three times within 30 days), the notification level transmission means 28 sends the alarm information of the “use stop level” of the notification strength or the “warning level” of the notification to the member telephone. Since it is transmitted to the credit card company server 10a that is inquiring the number, the credit card company has conventionally (for example, the first time It is possible to invalidate the in-store use of fraudulent cards at an early stage as compared to when payments are delinquent. Furthermore, it is possible to prompt the user for the address change notification obligation described in the agreement.

  As described above, the member telephone number in the card member registration information transmitted from a plurality of credit card company servers is counted, and the notification level corresponding to the counting result is calculated in real time according to the request. By spreading to the card company server, it is possible to provide a credit card real credit determination device and method for restricting the use of a credit card with a high possibility of unauthorized use.

  A first embodiment of the present invention will be described with reference to FIGS. As shown in FIG. 1, the real credit determination device 16 according to the present embodiment schematically sends credit card credit inquiry information from one of a plurality of store terminals 12 to one of a plurality of credit card company servers 10. It is a credit center server that relays and relays to one of a plurality of store terminals 12 that has transmitted credit inquiry information from one of a plurality of credit card company servers 10.

  That is, in this embodiment, each credit card company individually collects credit judgments from different credit card issuers, such as the name, address or residence, home phone number or mobile phone number, date of birth, year of residence, Compared to the accuracy of individual judgment based on membership information including annual income, work place and phone number, the credit card companies share the usage history information of home phone numbers or mobile phone numbers, It is possible to deter use, and also to differentiate the services of each credit card company, so that it is possible to prevent the unexpected increase in damages and improve the accuracy of the credit card company as well as the victim. Can do. In recent years, cases where credit cards, bankbooks and cash cards are bought and sold have been reported. In this case, the person who sold the credit card, etc. frequently goes missing. Of course, the member telephone number registered with the credit card company is also missing and the person (member) cannot be contacted. Although the problem of falling into a situation arises, this embodiment works very advantageously as such a countermeasure.

  FIG. 1 is a system configuration diagram schematically showing an overall configuration of a real credit determination device 16 using the credit center server of the first embodiment. As shown in the figure, a device in which a real credit determination device 16 by a credit center server that calculates and controls credit information is applied to credit cards 27a to 27d is illustrated, but the present invention is used for in-store use of credit cards 27a to 27d. For example, credit card companies can use ATMs with cash cards with card loans issued by financial institutions, online transactions on the Internet, telephone applications by mail order and commercial transactions using application forms, etc. Proper cards issued independently without tie-ups, house cards issued with private brands that can use POS at shopping centers, and credit services using Osaifu-Keitai (mobile phone terminals) can be applied. . Hereinafter, a credit determination example for in-store use of a credit card will be described.

  The real credit determination device 16 is connected to a plurality of credit card company servers 10 via a communication line 14b, is connected to a plurality of store terminals 12 via a communication line 14a, and credits the use of the cards 27a to 27d in the store. judge.

  Here, a plurality of credit card companies, for example, are one of the means of payment (payment) when purchasing a product, and the contractor's number and other security information are described, and these information is recorded on the magnetic stripe or IC. The credit card 27a-27d of the card type certificate thus issued is issued. The credit cards 27a to 27d are named “credit” in the sense that the credit card company independently credits the members.

  Further, the real credit judgment device 16 includes an access counter means 18 for storing a numerical value for incrementing or decrementing the number of accesses within a predetermined period for each member telephone number inquired from a plurality of credit card company servers 10. Here, the plurality of credit card company servers 10a to 10c are bank, credit sales, securities, consumer finance, railway, airline, airport / airport building, road, oil, electricity / gas. , Hotel / leisure facilities, department stores, station buildings / shopping malls / fashion buildings, retail / mass retailers, consumer electronics retailers, mail order, electrical equipment manufacturers, automobiles, entertainment, telecommunications carriers A credit card company server operated or commissioned by any one of the credit card companies that issue the Internet-related, personal computer related, specific university, etc./shareholder benefit cards or affiliated group credit companies.

  Similarly, the real credit determination device 16 includes an access determination unit 20 that determines the number of inquiries of the member telephone number registered by the card user from the numerical value of the access counter unit 18. Here, the access counter means 18 may be implemented by hardware or software. In short, a member that can count the number of inquiries of the member telephone number for each date is used. For example, in the count-up type access counter means 18, the number of accesses within 30 days of a predetermined period is incremented from “0”. The access counter means 18 decrements the number of accesses within 30 days of a predetermined period from “3”, and executes the access determination means 20 by a computer software program described in the determination program 58 by the arithmetic control unit 26 and sets a threshold value in advance. The number of accesses is determined by comparing with a numerical value greater than “3” or less than “0”.

  For example, the access counter means 18 uses a first-in / first-out type register with calendar information or a register with calendar information, and accumulates within 30 days retroactively from the time when the operation control unit 26 executes the access determination means 20. The value can be output as a count. In addition, a cumulative value within 30 days from the credit card company's card usage summation date can be counted and output. However, the present invention is not limited to the cumulative value within 30 days, and the sequential counting period can be increased or decreased from 10 days to 40 days according to the occurrence frequency of the notification level.

  Furthermore, an access counter table may be used as the access counter means 18. In this case, an access counter table having a field for storing the inquired member telephone number, a field for storing the access count value corresponding to the member telephone number, and a calendar field for storing the accessed year / month / day / hour / minute / second For example, when it is stored in the hard disk and the member telephone number is accessed, it is determined whether the corresponding telephone number exists from the access counter table, and when the telephone number exists, the access count value corresponding to the telephone number is determined. What is necessary is just to update the value of the calendar field by rewriting to the reading increment or decrement value.

  And since the real credit determination apparatus 16 deletes or resets the information of the telephone number field which has the calendar field which passed 30 days in the step which updates the telephone number history information database 22, it is storing the count value within 30 days. The access counter value after 30 days can be deleted from the access counter table.

  Similarly, the real credit judgment device 16 stores in advance a usage history of a fixed or mobile phone number in which a “valid” usage history of a telephone number exists in a storage device (for example, a hard disk, a magneto-optical disk, or a digital versatile disc). A telephone number history information database 22 is provided.

Here, the telephone number history information database 22 sends a telephone number to a presumed telephone number via an ISDN line, collects a reason display returned from the digital exchange, and disconnects the telephone instantaneously to execute a usage situation survey. The telephone number is transmitted using a computer device, and the call "phone number", the "reason" returned from the digital exchange, the "survey date", and the transfer or contact number found at the time of the survey "new" The telephone number usage status data including the “subscriber number” is stored in advance as telephone number history information in chronological order as a plurality of telephone number usage status data having different survey dates for each calling telephone number.

  That is, the telephone number history database 22 associates each telephone number with reason display data indicating the usage status of the telephone number obtained by auto-dialing the fixed telephone number and the mobile telephone number distributed throughout the country through the ISDN line. It is registered or stored in a computer-readable storage medium as history information together with a predetermined survey date.

  For example, as of June 2008, all fixed and mobile phone numbers that are permitted to be used by the Ministry of Internal Affairs and Communications are fixed in order by combining the prefix number “0”, the area code, and the city code. Initial phone number information of about 26,000 station numbers and mobile units about 1,440 station numbers was created in advance, and serial numbers of fixed subscriber numbers 0000 to 9999 and mobile subscriber numbers 00000 to 99999 were added for each station number nationwide. Total number information. In addition, the mobile phone and the PHS preliminarily create a number for identifying the telecommunications carrier as initial telephone number information in association with the area code and the city code. In short, the sum of the number that combines the first number “0” that identifies the telecommunications carrier, the area code, the local number, and the subscriber number that identifies the telephone subscriber corresponds to the telephone number that is distributed throughout the country. .

  The telephone numbers distributed throughout the country are stored in a computer-readable storage medium, and the telephone numbers to be investigated are read out from the storage medium in the descending or ascending order from among the telephone numbers distributed throughout the country. The phone number information survey is conducted in the continuous operation mode by using and calls are made to all the phone numbers distributed throughout the country within one month.

  The telephone number transmission computer makes a call to the exchange of the jurisdiction that has jurisdiction over the telephone number of each investigation, through the ISDN line once or twice a month on the investigation day, and displays the reason why the NTT exchange notifies by ISDN communication The telephone number transmission computer automatically collects the transfer destination telephone number and stores it in the hard disk, for example, as the latest telephone number usage status data, and then compresses the telephone number usage status data and records it on a DVD.

  In this embodiment, a telephone number to be surveyed obtained by dividing telephone numbers distributed throughout the country is stored in a storage medium, and a plurality of telephone number transmission computers are connected to ISDN exchanges of different jurisdictions to distribute a plurality of distributed telephone numbers. A telephone number information survey of nationwide telephone numbers may be conducted by collecting telephone numbers collected by continuous operation of computers, and a telephone number information investigation of telephone numbers distributed throughout the country by a telephone number transmission computer installed in one place. You may implement.

  The telephone number usage status data is “01: Missing number”, “16: Normal”, “22: Changed partner number”, “JST-Q931 (layer 3) information obtained from the ISDN exchange for each telephone number to be investigated”, “ 28: Invalid number ”and the destination telephone number, etc., are stored in the hard disk of the telephone number transmission computer in association with the telephone number automatically dialed and the survey date. Further, “22: partner number change” is a transfer number, and a new incoming number is included in the diagnostic information field.

  In addition, the telephone number history information database 22 has an effective storage capacity by storing in advance a use history of fixed or mobile phone numbers in which a “valid” use history of a phone number registered at the time of credit card contract exists. Can be used.

  That is, since the history information of unused phone numbers that have only missing numbers in the existing and new local station numbers is excluded and stored, from among 404 million phone numbers every month, “ It is preferred to store the usage history of a fixed or mobile phone number for which there is a “valid” usage history.

  Similarly, the real credit determination device 16 receives an inquiry from the credit card company server 10a from the credit card company server 10a for the member telephone number corresponding to the card information that is collated when using the card in the store (for example, a real store or a virtual store) from the store terminal 12a. Then, by using the member telephone number as a search key, the history determination means 24 by a computer software program described in the determination program 58 is executed by the arithmetic control unit 26 (for example, the central processing unit CPU), thereby the telephone number history information database. If the member telephone number is searched and the member telephone number is inquired, it is determined that the number is “missing” (for example, the telephone number that has been used in the past has been abolished). Compiled in continuous missing period (for example, within 3 months or 1 year) and judgment program 58 (As an example, more than 3 times) the decision result in the over data software program by the access judging unit 20 calculates the arithmetic control unit 26 as a notification parameter to output a notification level. That is, the notification level transmission means 28 by the computer software program described in the determination program 58 based on the calculation result of the calculation control unit 26 is a “use stop level” with a high notification, a “warning level” during notification, and a “low” notification “ The arithmetic control unit 26 controls to transmit any one alarm information of “alert level” to the credit card company server 10a that is inquiring about the member telephone number.

  Further, the real credit determination device 16 includes a relay unit 29 and a credit card company database 30. The relay means 29 can be implemented in the real credit judgment device 16 by either a computer software program or hardware, and the credit card company database 30 stores the URL or IP address of each credit card company server 10a-10c. In short, real credit judgment can be performed by any means capable of relaying credit card member card information, member telephone number information, and alarm information between a plurality of credit card companies 10 and a plurality of store terminals 12. .

  For example, the real credit determination device 16 receives the card member number inquired from the store terminal 12a by using the relay unit 29, and follows the first digit and the first digit of the card member number from the plurality of credit card company servers 10. Since the credit card company server corresponding to the number string is selected and the card member number is transmitted, it functions as a relay server via the communication lines 14a and 14b.

  Here, the credit card number is 16 digits for VISA, MASTER, and JCB, 15 digits for AMEX, and 14 digits for Diners. The first digit of the card number is defined by ISO, and VISA is “4”. ", MasterCard is" 5 ". In Japan, the first two digits of the card number are “35” for JCB, “36” for Diners, and “37” for AMEX. The numbers after that are appropriately given to each card issuer. In the case of a domestic dedicated card, it is not defined by ISO and is regulated by credit card institutions in each country.

  That is, the real credit determination device 16 receives, for example, member number information that is inquired by the store terminal 12a using the relay unit 29. Corresponding to the first several digits of the member number information (card number) introduced by the store terminal 12a, one credit card company server 10a may be selected from a plurality of credit card company servers 10 to relay the member number information.

  Next, the real credit determination device 16 receives the member telephone number included in the member information corresponding to the member number from, for example, the credit card company server 10a using the relay unit 29, and the calculation control unit 26 executes the determination program 58. The notification level is transmitted to the credit card company server 10a as a determination result based on the history information of the member telephone number corresponding to the member number being inquired.

  Subsequently, the real credit determination device 16 uses the relay means 29 to receive either one of the card use permission notice and the card use disapproval notice that the credit card company server 10a independently makes a credit judgment based on the notification level, Either one of the card use permission notice and the card use disapproval notice can be relayed to the store terminal 12a.

  In the store terminal 12a, the card settlement service can be performed when the card use permission relay relayed from the real credit judgment device 16 is received, but the card settlement service is immediately stopped when the card use non-permission notice is received. However, other payment methods (for example, cash settlement or use of other cards) can be prompted to the store visitor. In addition, if it is the first card use disapproval notice, the card use may be permitted. In the case of the first card use disapproval notice, the address is changed to the credit card company by using means such as telephone to the store at the same time. You can also encourage them to submit a notification. For example, it is effective when a busy card user has forgotten the address change notification procedure. In this way, even in the case where it is difficult to change the address without delay in the past, this embodiment has an advantage that it can be flexibly handled.

  Of course, the present invention is not limited to the real credit determination that is verified when the card of the real store is used, but it is needless to say that the present invention can also be applied to the real credit determination that is verified when the virtual store or mail order card is used.

  In addition, the real credit judgment device 16 using the credit center server of the present embodiment is as if the Internet, dedicated line, or public line using the secure socket layer SSL as the communication lines 14a and 14b is a dedicated line. Information may be relayed between a plurality of store terminals 12 and a plurality of credit card company servers 10 through a service VPN (Virtual Private Network).

  FIG. 2 is a diagram showing the contents of the telephone number history information. In the telephone number history information 31 to 34 in the figure, a telephone number information field, a telephone number state, a telephone number survey date, and a destination telephone number information field are recorded. For example, the usage status corresponding to the reply message (reason number) when a call is made to a 10-digit survey phone number is a character string or number of “Normal”, “Relocation”, “Missing Number”, and “Suspension Stop” For example, survey results for about 24 months are accumulated as a history.

  The operation of the real credit determination device 16 using the credit center server of the present embodiment will be described using the flowchart of FIG. Moreover, the real credit determination apparatus 16 has already received the member number from the store terminal 12a, and has executed the inquiry of the member number to the credit card company server 10a, for example. Note that the processing sequence surrounded by a broken line 57 covers this embodiment, and the other portions show additional embodiments.

  The real credit determination device 16 receives a telephone number from any one of a plurality of credit card company servers 10, for example, the credit card company server 10a, by a telephone number inquiry step 35 (hereinafter, step is abbreviated as “S”). Receive inquiry information. Of course, in the case of a personal card holder, if an inquiry for the same telephone number occurs within a few minutes from the credit card company server 10a and the credit card company server 10b or the credit card company server 10c, error processing or threat generation processing You can also move to.

  The real credit determination device 16 increases (UP) or decreases (DOWN) the access count of the counter 18 corresponding to the telephone number in the count-up S36.

  Next, the real credit determination device 16 performs a missing number determination S37 for determining whether or not the inquired telephone number is “missing number” at the present time (for example, the latest survey date). If "missing number" (must: YES), the process branches to continuous missing period determination S38.

  Then, the real credit determination device 16 searches the telephone number history information database 22 in the continuous missing number period determination S38, extracts the history of the telephone numbers inquired, calculates a consecutive missing number period from the present to the past, It is determined whether or not this consecutive missing number period is within 3 months. If the determination result is within three months of (Correct: YES), the process branches to access numerical value determination S39. However, the present invention does not limit the continuous missing number period to 3 months or less, and it can be sequentially reset within 2 months or 4 months depending on the frequency of occurrence of the notification level of the real credit judgment device 16. In short, it suffices if it can detect the presence of consecutive missing numbers retroactively from the latest survey date. Furthermore, it may be determined flexibly in consideration of the fact that there is a repayment record as the past card usage status.

  The real credit determination device 16 refers to the numerical value of the counter 18 and the date calendar log of the count up or down in the access numerical value determination S39, and is recorded within, for example, 30 days retroactively from the time of receiving the telephone number inquiry. The total access number of the telephone number is calculated or the access number of the telephone number within 30 days starting from the date of card usage summation is calculated.

  If the calculated total access number is less than 3 (No: NO), the real credit determination device 16 outputs a determination result and branches the processing to the warning level alarm S40. The alarm information is transmitted to the credit card company server 10a.

  On the other hand, the real credit determination device 16 outputs a determination result when the calculated total access number is greater than 3 (Yes: YES) and branches the process to the warning level alarm S41. Alarm information is transmitted to the credit card company server 10a as “level”.

  The credit card company server 10a that receives the alarm information collates the “warning level” or “warning level” with the member information and independently determines whether or not the card can be used, and relays the real credit determination device 16 to use the card or the card. Either one of the notifications indicating the unusability can be transmitted to the store terminal 12a. For example, it is possible to operate by increasing or decreasing the credit of the card user in accordance with the credit card usage record, the date of issue within one month, or the credit limit.

  In particular, the credit card company server 10a shares not only the original credit management but also the access status of the member telephone number based on the inquiry from the credit card company server 10b or the credit card company server 10c by the real credit judgment device 16 of the present embodiment. This is advantageous in that the amount of damage caused by credit card fraud can be reduced and a unique credit card service can be provided to members.

  Moreover, the real credit judging device 16 that judges credit as a relay server only transmits and receives the member number and member telephone number information, and does not provide other personal information such as the card member's name, date of birth and address. It can also maintain credit for credit card company customers.

  Subsequently, a configuration will be described in which the real credit determination device 16 of the present embodiment determines the credit card use that is the most threated and notifies the credit card company server of this threat.

  When the real credit determination device 16 outputs a determination result (No: NO) that the consecutive numbering period exceeds three months from the history of the telephone numbers inquired in the consecutive numbering period determination S38, the real credit determination device 16 performs the long-term continuous numbering period determination S42. Branch to Such a card number has not been used for a period exceeding three months, and neither the spoofed victim nor the credit card company can detect a fraudulent contract of the credit card.

  The real credit determination device 16 determines whether or not the consecutive numbering period exceeds one year from the history of telephone numbers inquired in the long-term continuous numbering period determination S42. If consecutive missing numbers within one year and the determination result (correct: YES) are output, the process branches to threat access numerical value determination S43. However, the present invention does not limit the long consecutive missing number period to one year or less, and can be sequentially reset within 6 months or 18 months depending on the frequency of occurrence of the notification level of the real credit judgment device 16. In short, it is only necessary to detect the presence of a long-term missing number that continues from the latest survey date to the past.

  The real credit determination device 16 refers to the numerical value of the counter 18 and the date calendar log of the count up or down in the threat access numerical value determination S43, and records it within 30 days, for example, retroactively from the time of receiving the telephone number inquiry. Calculate the total access number of the telephone numbers that have been issued or the total access number of the telephone numbers within 30 days starting from the card usage summation date.

  If the calculated total access value is less than 3 (No: NO), the real credit determination device 16 outputs a determination result and branches the processing to the threat warning level alarm S44. For example, the “warning level” being notified Alarm information is transmitted to the credit card company server 10a.

  On the other hand, if the calculated total access numerical value is greater than 3 (yes: YES), the real credit determination device 16 outputs a determination result and branches the processing to the threat use stop level alarm S45. Alarm information is transmitted to the credit card company server 10a as the “usage stop level”.

  The credit card company server 10a that receives the alarm information collates the “warning level” or “usage stop level” with the member information to determine whether or not the card can be used independently, and relays the real credit judgment device 16 to use the card. One of the notifications that the card cannot be used can be transmitted to the store terminal 12a. For example, it is possible to operate by increasing / decreasing the credit of the card user in accordance with the credit card usage record, the date of issue more than one year ago or the credit limit.

  However, it is highly possible that the “usage stop level alarm” sent from the real credit judgment device 16 corresponds to the membership number of the card exploited by the fraud group executing the card fraud planned in the medium to long term. It is desirable that the card company server 10a performs the card use stop process as soon as possible.

  That is, in the real credit determination device 16 of the present embodiment, for example, the telephone number is kept in use while holding the credit card first exploited by the fraudulent contract, and the address change investigation by periodically acquiring the telephone number information is cleared. In addition, it is effective to prevent a credit card accident in which a fraud group uses a large number of credit cards that have been exploited and exploited one after another by several credit card companies over several months.

  Next, an additional embodiment in which an additional configuration is added to the present embodiment will be described with reference to FIG.

  The real credit determination device 16 determines whether or not the consecutive numbering period exceeds one year from the history of telephone numbers inquired in the long-term continuous numbering period determination S42. If a consecutive missing number exceeding one year and a determination result (No: NO) are output, the process branches to the use stop level alarm S46.

  In this case, when the victim of impersonation has changed his / her address or address and changed his / her telephone number for his / her convenience, or when the victim of impersonation has obtained information that a resident's card has been obtained by a malicious third party, At the stage of receiving identity confirmation or address confirmation from the company by telephone or mail, it is possible to prevent a credit card accident from occurring by simply moving the telephone number or shifting to a missing number without changing the address or whereabouts at your discretion. is there.

  In addition, the victim of impersonation receives a mobile phone usage charge bill or credit card charge bill that is not memorized even if it is an exploited mobile phone number. Since the use of the number can be stopped, both the spoofed victim and the credit card company can be reduced.

  The real credit determination device 16 performs the missing number determination S37, and when the telephone number inquired is a determination result (No: NO) that is not “missing number” at the present time (for example, the latest survey date), the transfer guidance determination S47. Branch processing to

  When the real credit determination device 16 performs the transfer guidance determination S47 and the telephone number inquired outputs the transfer guidance state and the determination result (Yes: YES), the credit card company server branches the process to the warning level alarm S48. The alarm information of “warning level” with low notification is transmitted to 10a.

  On the other hand, when the real credit determination device 16 performs the transfer guidance determination S47 and outputs a determination result (No: NO) that the queried telephone number is not in the transfer guidance state, it branches the process to the convenience stop determination S49. , Search the telephone number history information database 22 to determine whether the inquired telephone number is in the past 3 months from the current time (for example, the latest survey date) and output the determination result To do.

  If the real credit judgment device 16 outputs a judgment result (No: NO) that does not have a convenient stop state within three months, the process branches to the notification S50 and the alarm information “no problem” is sent to the credit card company server 10a. Send to.

  On the other hand, the real credit determination device 16 performs the convenience stop determination S49 and outputs a determination result (Yes: YES) that the telephone number inquired is within a three-month stoppage state. The process branches to step S51, and the telephone number history information database 22 indicates whether or not the inquired telephone number exists three or more times in the past from the current time (for example, the latest survey date) within three months. Is output and the judgment result is output.

  If the real credit determination device 16 outputs a determination result (No: NO) that there are no more than three convenient stop states within three months in the convenient stop count determination S51, it branches the process to the notification S52 and “stops convenient use” Alarm information of “level” is transmitted to the credit card company server 10a.

  On the other hand, when the real credit determination device 16 performs the convenience stop count determination S51 and outputs a determination result (must: YES) that the inquired telephone number has a convenience stop state of three times or more within three months, In the access numerical value determination S53, referring to the numerical value of the counter 18 and the date calendar log of count-up or down, the access total numerical value of the telephone numbers recorded, for example, within 30 days from the time of receiving the telephone number inquiry. Or the total access number of the telephone numbers within 30 days starting from the date of card usage summation.

  If the calculated total access number is less than 3 (No: NO), the real credit judgment device 16 outputs a judgment result and branches the process to the convenience warning level alarm S54. The alarm information is transmitted to the credit card company server 10a.

  On the other hand, the real credit determination device 16 outputs a determination result if the calculated total access value is greater than 3 (Yes: YES), branches the process to the convenient use stop level alarm S56, The alarm information is transmitted to the credit card company server 10a as “convenient use stop level”. The phone number at the level of suspension of use within 3 months is in a state where the telephone charge has been delinquent, and there is a high probability that the credit (credit) is lower than at the time of the credit card contract, and the credit card company server 10a is used. The credit card company can be urged to stop using the card.

  Although the real credit determination device 16 is configured as a relay server as in the above-described embodiment, the present invention is not limited to the relay server configuration, and is applied to inquiry processing and answer processing of a plurality of credit card company servers 10. Can do.

  FIG. 4 is a block diagram of the real credit determination device 16 according to the second embodiment. As shown in the figure, the real credit judgment device 16 using the credit center server is configured to fix a fixed number of digits including a domestic prefix number “0”, an assumed area code, a local code, and a subscriber number. Connected to a plurality of credit card company servers 10 via a communication line 14c and a telephone number history information database 22 for storing a usage history of a mobile telephone number in a storage device (for example, a hard disk, a magneto-optical disk or a digital versatile disc). When the user card 27 as a credit card is used in the store, the store terminal 12a communicates with the communication line (for example, an arrow line between the member store B1 and the credit card company server 10a of the credit company A1 in the figure). The card information is received from the credit card company server 10a that receives the card information. The member telephone number inquiry is accepted, the access number of the access counter means 18 of this member telephone number is incremented or decremented, and the member telephone number inquired from the credit card company server 10a is used as a search key in the telephone number history information database 22. When the history determination means 24 determines the history of a predetermined consecutive numbering period (for example, within three months or one year) up to the point when the member telephone number is queried from the inside, the access determination means 20 is the access counter means. 18, when it is determined that the number of accesses exceeds the threshold (for example, the number of accesses exceeds 3 times within 30 days), the alarm level “notice level” or “warning level” alarm information that is currently informed Calculation for controlling the transmission means 28 to transmit to the credit card company server 10a inquiring about the member telephone number. And a control unit 26. In the second embodiment, the same or similar members as those in the above-described embodiment are denoted by the same or similar reference numerals, and redundant description is omitted.

  Here, the real credit determination device 16 is not configured to exclude the relay server type aspect, but can also be provided with the relay means 29 and the card company database 30 as in the first embodiment, via the communication line 14d. The alarm information can also be relayed to a plurality of store terminals 12.

  The determination program 58 includes the history determination unit 24, the access determination unit 20, and the notification level determination unit 28, and the arithmetic control unit 26 executes the determination program 58 to perform the real credit determination of this embodiment. can do.

  Further, the real credit judgment device 16 is accessed from the credit card company servers 10a to 10c, and the access counter means 18 increases or decreases the count value for the access number for each member telephone number.

  The store terminals 12a to 12c in the figure are connected to the credit card company servers 10a to 10c corresponding to the card information (card numbers), respectively, and transmit the card information.

  With reference to the flowchart of FIG. 5, the process sequence of the real credit determination apparatus 16 of this embodiment is demonstrated.

  In S60 where the customer uses a credit card, the customer inserts the user card 27 as a credit card into, for example, a credit card reader (not shown) of the store terminal 12a at the time of face-to-face and virtual store sales, and credits together with product purchase price information. The card company server 10a is processed to prepare for sending card information.

  Here, S60 using a credit card includes purchase of goods and financial products (for example, card loans). In particular, the real credit determination method according to the present embodiment is advantageous in a case where cash is drawn from an ATM installed nationwide using a card loan.

  Although the user card 27 has been described, even when the mobile phone with a credit card function is brought close to or in contact with the credit card reader to read the card information, the electronic commerce server as a virtual store receives the credit card information from the customer. However, an operation sequence similar to that of the present embodiment can be performed.

  Next, in card information transmission S61, the credit card company server 10a receives the card information transmitted from the store terminal 12a.

  Whether the credit card company server 10a adds the usage amount transmitted by the store terminal 12a and the usage balance information stored in the credit card company server 10a by the transaction determination S62 within the credit limit and exceeds the credit limit. If it is determined whether or not the transaction is within the credit limit, the process branches to merchandise sale establishment S72. If it is determined that the transaction exceeds the credit limit, the process branches to customer information extraction S63.

  In this case, the PIN information input by the customer from the store terminal 12a is transmitted to the credit card company server 10a, the PIN code verification process by the credit card company server 10a is suspended, and the PIN code verification process is performed on the store terminal 12a. Any of the configurations that are independently executed can be selected.

  For example, when the credit card is equipped with an IC chip and stores an encrypted password, the store terminal 12a performs its own verification process without transmitting the password information from the store terminal 12a to the communication line 14c. A configuration to be completed can be employed.

  Similarly, since the encrypted personal identification number can be stored in the mobile telephone with a credit card function, the verification process can be completed independently in the store terminal 12a.

  In the present embodiment, the password verification process is not an important element. In other words, when using a theft or lost property credit card, the password verification process can be an element of identity verification, but the fraud card used by a malicious third party registers the password selected by the illegal contractor. Therefore, the password verification process does not function for unauthorized use, and the biometric authentication process using biometrics does not function effectively for unauthorized use.

  Here, the “credit limit” means, for example, whether or not a single card usage amount exceeds a predetermined amount (for example, a small transaction of 10,000 yen or less) and analyzes the card usage balance. This is a transaction amount condition for selecting the real credit determination process by determining whether or not the card usage this time exceeds a predetermined threshold (for example, the total card usage amount is 100,000 yen). Of course, the effect of the present invention can be obtained even if the real credit determination process is selected after passing the credit upper limit transaction determination S62.

  Subsequently, the credit card company server 10a extracts the member telephone number from the customer information stored in the storage area in advance, and transmits this member telephone number information to the real credit judging device 16 using the credit center server ( S63).

  The real credit judgment device 16 increments or decrements the numerical value of the access counter means 18 corresponding to the received member telephone number (S64).

  The real credit determination device 16 executes the telephone number history analysis S65, and the usage status of the member telephone number is “missing number”, “relocation guidance”, “stopping convenience”, “short-term consecutive missing number”, and “long-term residence telephone number” Is determined.

  Then, the real credit determination device 16 performs the access number analysis S66 corresponding to the telephone number analysis result, reads the numerical value of the access counter means 18 corresponding to the member telephone number being inquired, and the previous withdrawal date of the credit card settlement It is determined whether it is a numerical value exceeding 3 times within 30 days.

  Subsequently, the real credit determination device 16 performs the notification level calculation S67 according to the determination result obtained by the access frequency analysis S66, and “usage stop level”, “warning level”, “warning level” in descending order of the threat level. And a notification level of “no problem” is calculated and output.

  The real credit determination device 16 determines whether or not there is a problem in the history of the member telephone number according to the calculation result obtained by the notification level calculation S67 (S68).

  When the notification level is determined to be “no problem” (determination: YES), the real credit determination device 16 branches the process to S73 of the credit card company server 10a. ”,“ Warning level ”, and“ Warning level ”are determined to be any one (No: NO), a notification message corresponding to the notification level is generated and transmitted to the credit card company server 10a. The process of transmission S69 is performed.

    The credit card company server 10a performs the card use permission signal transmission S73, permits the store terminal 12a to use the customer's card, and performs the merchandise sales establishment S72. In this case, as described above, the authentication process of the personal identification number may be performed independently by the store terminal 12a in the merchandise sales establishment S72, and the personal identification number is sent from the store terminal 12a to the credit card company server 10a via the communication line. The verification process may be performed by transmitting information. In short, there is an advantage that a safe transaction can be secured because the card use is subjected to the credit permission determination by the real credit determination device 16.

  On the other hand, when the credit card company server 10a receives the notification message by the notification message transmission S69 performed by the real credit determination device 16, the credit card company server 10a performs the accident determination S70 and performs the original notification message analysis processing S70 corresponding to the notification message. One answer signal of credit card use disapproval or identity verification information input request is transmitted to the store terminal 12a via the communication line.

  Then, the employee of the credit card company server 10a or the credit card company server can receive the personal identification information from the store terminal 12a or the store clerk of the member store B1, and determine whether or not to use the credit card. Of course, the store terminal 12a can request another payment method from the customer when the credit card use non-permission information is received in S71.

  In the second embodiment, the configuration has been described in which the real credit determination device 16 receives the inquiry information of the credit card company servers 10a to 10c and returns a notification message in response to the inquiry information. For example, the relay means 29 provided in the real credit judgment device 16 is shifted from the inactive state to the active state, and an inquiry from the credit card company server 10 is made via the communication line 14d. It is also possible to provide a relay-type real credit determination device 16 that transmits an answer to the above as a notification message to any one of the shop terminals 10.

  The relay-type real credit determination device 16 may receive, for example, card information and store terminal information from the credit card company server 10a, and send a notification message as a reply to the store terminal 12a identified from the store terminal information. .

  Note that the actions and effects described in the embodiments of the present invention only list the most preferable actions and effects resulting from the present invention, and the actions and effects according to the present invention are described in the embodiments of the present invention. It is not limited to the ones.

It is a system block diagram of the real credit determination apparatus of one Embodiment of this invention. The figure which shows the data structure of a telephone number log | history information database. The figure which shows the operation | movement flow of a real credit determination apparatus. It is a system block diagram of the real credit determination apparatus of one Embodiment of this invention. The figure which shows the operation | movement flow of a real credit determination apparatus.

Explanation of symbols

DESCRIPTION OF SYMBOLS 10 Credit card company server 12 Store terminal 16 Real credit determination apparatus 18 Access counter means 22 Telephone number history information database 26 Operation control part CPU
29 Relay means 58 judgment program

Claims (6)

A credit card real credit determination device that is connected to a plurality of credit card company servers and a plurality of store terminals via a communication line, and determines credit usage of the card in the store,
Access counter means for storing a numerical value for incrementing or decrementing the number of accesses within a predetermined period for each member telephone number inquired from the plurality of credit card company servers;
Access determination means for determining the number of inquiries of the member telephone number registered by the card user from the numerical value of the access counter means;
A phone number history information database for storing in advance a use history of a fixed or mobile phone number in which a “valid” use history of a phone number exists;
An inquiry of the member telephone number corresponding to the card information that is collated at the time of card use in the store is received from the credit card company server from the store terminal, and the telephone number history is recorded by the history determination means using the member telephone number as a search key. When searching from the information database and the member telephone number is determined to be “missing number” at the time of the inquiry, a predetermined consecutive missing number period of the member telephone number and the determination result of the access determining means are notified as notification parameters. The level is calculated, and based on the result of the calculation, the alarm level transmission means outputs the alarm information of any one of “usage stop level” where the notification is strong, “warning level” during notification, and “warning level” when notification is low. An arithmetic control unit that controls to send to the credit card company server that is inquiring the telephone number;
A credit card real credit judging device comprising: A telephone number history information database for storing a usage history of a fixed or mobile telephone number having a predetermined number of digits including a domestic prefix number “0”, an assumed area code, a local area code, and a subscriber number;
It is connected to a plurality of store terminals and the plurality of credit card company servers via a communication line, receives card information from the store terminals when using the card in the store, and sends the card information to the credit card company server corresponding to the card information. Send the card information, accept the inquiry of the member telephone number corresponding to the card information from the credit card company server, increment or decrement the access number of the access counter means of this member telephone number, and the inquired member telephone number In the telephone number history information database as a search key, and the history determination means determines the history of a predetermined consecutive missing number period until the time when the member telephone number inquiry is accepted, the access determination means is the access counter means When determining whether the access count exceeds the threshold, refer to Or an arithmetic control unit for controlling so as to transmit to the credit card company server the alarm information that is alarm level transmission means have a query of the member phone number of the "warning level" in the notification,
A credit card real credit judging device comprising: A telephone number history information database for storing a usage history of a fixed or mobile telephone number having a predetermined number of digits including a domestic prefix number “0”, an assumed area code, a local area code, and a subscriber number;
A member telephone number corresponding to the card information from the credit card company server that is connected to a plurality of credit card company servers via the communication line and receives card information from the store terminal via the communication line when using the card in the store. Accepting the inquiry, incrementing or decrementing the access number of the access counter means of this member telephone number, searching the telephone number history information database using the member telephone number referred from the credit card company server as a search key, When the history determination means determines the history of the predetermined consecutive numberless period until the member telephone number is inquired, when the access determination means refers to the access counter means and determines that the access number exceeds the threshold, a notification is made. Alarm information of the strong “usage stop level” or “warning level” being reported And the operation control unit the transmission means is controlled so as to be sent to the credit card company server that the inquiry of the member phone number,
A credit card real credit judging device comprising: A credit card real credit determination method that is connected to a plurality of credit card company servers and a plurality of store terminals via a communication line and determines credit usage of the card in the store,
Storing in the access counter means a numerical value for incrementing or decrementing the number of accesses within a predetermined period for each member telephone number inquired from the plurality of credit card company servers;
A step in which the access determination means determines the number of inquiries of the member telephone number registered by the card user from the numerical value of the access counter means;
An inquiry of the member telephone number corresponding to the card information to be verified when the card in the store is used from the store terminal is received from the credit card company server, and the telephone number “ The usage history of a fixed or mobile telephone number having a “valid” usage history is searched from a telephone number history information database stored in advance in a storage device, and determined to be “missing number” when the member telephone number is referred to. If it is, the notification level is calculated using the predetermined consecutive missing number period of the member telephone number and the determination result of the access determination means as a notification parameter, and the notification level transmission means is based on the result of the calculation, the “use stop level” of the notification strength, The member telephone number is inquired for any one alarm information of “warning level” during notification and “warning level” when notification is low. A step of the operation control unit controls so as to transmit to the credit card company server is,
A credit card real credit judging method comprising:   It is connected to a plurality of store terminals and the plurality of credit card company servers via a communication line, receives card information from the store terminals when using the card in the store, and sends the card information to the credit card company server corresponding to the card information. Send the card information, accept the inquiry of the member telephone number corresponding to the card information from the credit card company server, increment or decrement the access number of the access counter means of this member telephone number, and the inquired member telephone number As a search key, a telephone number that stores in a storage device a fixed or mobile phone number usage history with a predetermined number of digits including a domestic prefix number “0”, an assumed area code, a city code, and a subscriber number Search from the history information database and meet the specified consecutive missing period until the member phone number inquiry is received. When the history determination means determines that the threshold of the number of accesses is exceeded with reference to the access counter means, the notification level transmission means sends the alarm information of “not use level” of notification strength or “warning level” being notified. A credit card real credit judgment method controlled by an arithmetic and control unit to transmit to a credit card company server that is inquiring about the member telephone number. A member telephone number corresponding to the card information from the credit card company server that is connected to a plurality of credit card company servers via the communication line and receives card information from the store terminal via the communication line when using the card in the store. Accepting the inquiry, incrementing or decrementing the access number of the access counter means of this member telephone number, and using the member telephone number inquired from the credit card company server as a search key, the domestic prefix number “0”, the assumed city A search is made from a telephone number history information database storing a fixed number or fixed number mobile phone number usage history including an external area number, a local area number, and a subscriber number in a storage device, and the member telephone number is the inquiry When the history determination means determines the history of the predetermined consecutive missing number period up to the point in time when the access counter When the access number threshold is exceeded, the credit card company in which the notification level transmitting means inquires of the member telephone number for the alarm information of the “use stop level” of the notification strength or the “warning level” being notified A credit card real credit determination method controlled by an arithmetic control unit to transmit to a server.