JP2012113555A - Credit examination system, credit examination method, portable information processor and computer program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a credit examination system and a credit examination method for performing the credit examination of credit card settlement by using a portable information processor regardless of whether a settlement sum is large or not, and a portable information processor and a computer program to be used for the system.SOLUTION: Card use situation information showing the use situation of a credit card is transmitted from a credit information transmitter 1 installed in a card system C to a portable telephone set 3. Also, information for credit examination including a use sum relating to the credit of credit card settlement is transmitted from a store terminal 4 to the portable telephone set 3. The portable telephone set 3 stores card information relating to the credit card, and updates the card information based on the card use situation information received from the credit information transmitter 1, and executes credit examination processing of the credit card settlement based on the updated card information and the information for credit examination received from the store terminal 4.

Description

  The present invention relates to a credit examination system, a credit examination method, a portable information processing apparatus, and a computer program that perform credit examination processing for credit card settlement.

  In order to improve the convenience of a credit card, various technologies for performing credit examination for credit card settlement using a mobile phone or the like have been proposed. For example, Patent Literature 1 includes a mobile terminal and a credit card management server, sets a valid period and a usage limit from the mobile terminal in advance, obtains credit card company credit, and stores the information in the mobile terminal In addition, a credit examination system is proposed in which the credit card management server holds the credit card with the mobile terminal and the credit card management server for the payment within the range of the validity period and the usage limit.

  As described above, in the case of the credit examination system disclosed in Patent Document 1, for payment within the range of the valid period and the usage limit set in advance, the mobile terminal and the credit card are not inquired to the credit card company. Credit examination processing can be performed only by the card management server. Therefore, for small payments, the credit screening process using only the mobile terminal and the credit card management server is sufficient, so that a quick process can be realized, and the credit card company's credit inquiry system does not need to be processed. The load on the inquiry system can be reduced.

JP 2009-48507 A

  However, in the case of the credit screening system described above, payment exceeding the preset usage limit, that is, high-value payment, cannot be handled by the credit screening process using only the mobile terminal and the credit card management server. Similarly, an inquiry to the credit inquiry system is generated. Therefore, since the user needs to use a mobile terminal for small amount payment, but needs to use a credit card for large amount payment, there is a problem that the user has to use them according to the amount of payment.

  The present invention has been made in view of such circumstances, and the main object of the present invention is to provide a credit screening that can perform a credit screening using a portable information processing device such as a portable telephone regardless of the amount of payment. A system, a credit examination method, a portable information processing apparatus, and a computer program are provided.

  In order to solve the above-described problem, a credit examination system according to one aspect of the present invention includes a portable information processing device carried by a credit card user and a credit that is communicably connected to the portable information processing device. A credit examination system comprising a card system on the card company side and a store terminal provided in a store where a credit card can be used, wherein the card system indicates a credit card usage status. A credit examination including a card usage status information transmitting means for transmitting usage status information to the portable information processing apparatus, and including a usage amount related to the credit when the store terminal performs credit card payment credit Credit information transmission means for transmitting information to the portable information processing apparatus, and the portable information Card information update unit for updating card information stored in the card information storage unit based on card usage status information received from the card system, and a card information storage unit for storing card information related to credit cards And credit examination processing means for executing credit examination processing for credit card settlement based on the card information updated by the card information updating means and the credit examination information received from the store terminal. And

  In this aspect, the card usage status information transmitting means is configured to transmit the card usage status information to the portable information processing device via a wireless access point provided around the store. Also good.

  Moreover, the said aspect WHEREIN: The said card utilization condition information transmission means may be comprised so that card utilization condition information including the payment condition of a credit card may be transmitted with respect to the said portable information processing apparatus.

  Moreover, the said aspect WHEREIN: The said card utilization condition information transmission means may be comprised so that card utilization condition information containing the card accident information regarding the accident of a credit card may be transmitted with respect to the said portable information processing apparatus.

  Further, in the above aspect, the store terminal further includes a biometric information acquisition unit that acquires the biometric information of the user, and the credit examination information transmission unit acquires the biometric information acquired by the biometric information acquisition unit. Credit review information including the information is transmitted to the portable information processing device, and the portable information processing device further includes a biological information storage unit that stores the user's biological information, The credit examination processing means executes the credit examination process based on a collation result between the biological information included in the credit examination information received from the store terminal and the biological information stored in the biological information storage unit. It may be configured as follows.

  In the above aspect, the credit information transmitting means is configured to transmit credit examination information including store identification information for identifying the store to the portable information processing device, The portable information processing apparatus further includes a member store identification information storage unit that stores member store identification information for identifying a member store of the credit card company, and the credit examination processing unit receives the information from the store terminal. Based on the store identification information included in the credit review information and the member store identification information stored in the member store identification information storage unit, it is determined whether or not the store is the member store, and the determination result The credit screening process may be executed based on the above.

  A credit examination method according to one aspect of the present invention includes a portable information processing device carried by a credit card user, a credit card company-side card system connected to be communicable with the portable information processing device, and a credit card. In a credit screening method for performing credit screening for credit card payment using a store terminal provided in a store where a card can be used, the card system displays card usage status information indicating a credit card usage status as the portable information. A card usage status information transmission step to be transmitted to a processing device, and when the store terminal performs credit card payment credit, credit examination information including a usage amount related to the credit is obtained as the portable information processing A credit examination information transmission step for transmitting to a device is executed, and the portable information processing device relates to a credit card. A card information storage step for storing card information, and based on the card usage status information received from the card system, a card information update step for updating the card information stored in the card information storage unit; A credit examination processing step of executing a credit examination process for credit card settlement is executed based on the card information updated by the card information updating means and the credit examination information received from the store terminal.

  In the card usage status information transmission step of this aspect, the card system transmits the card usage status information to the portable information processing device via a wireless access point provided around the store. May be.

  Further, in the card usage status information transmitting step of the aspect, the card system may transmit card usage status information including a credit card settlement status to the portable information processing apparatus.

  Further, in the card usage status information transmitting step of the aspect, the card system may transmit card usage status information including card accident information related to a credit card accident to the portable information processing apparatus. .

  A portable information processing apparatus according to one aspect of the present invention includes a card information storage unit that stores card information related to a credit card and a card system on the credit card company side in a portable information processing apparatus carried by a credit card user. From the card usage status information receiving means for receiving the card usage status information indicating the usage status of the credit card, and stored in the card information storage unit based on the card usage status information received by the card usage status information receiving means Credit review information that includes the credit card payment amount when credit card payment is made from a card information updating means for updating the credit card information and a store terminal provided in a store where a credit card can be used. Is received by the credit examination information receiving means and the card information updating means. The on the basis of the card information and credit scoring information received from the shop terminal, characterized in that it comprises a credit processing means for executing the credit processing of credit card transactions.

  A computer program according to one aspect of the present invention shows a credit card usage status from a credit card company-side card system by using a portable information processing apparatus including a card information storage unit that stores card information related to a credit card. Card usage status information receiving means for receiving card usage status information, and a card for updating card information stored in the card information storage section based on the card usage status information received by the card usage status information receiving means Information updating means and credit examination information receiving means for receiving credit examination information including a usage amount related to the credit when credit card payment is made from a store terminal provided in a store where a credit card can be used. And the card information updated by the card information updating means and the store Based on the credit evaluation information received from the terminal to function as credit processing means for executing the credit processing of credit card transactions.

  According to the credit examination system, the credit examination method, the portable information processing apparatus, and the computer program according to the present invention, the credit examination process can be performed using the portable information processing apparatus regardless of the amount of payment.

The block diagram which shows the structure of the credit examination system which concerns on embodiment of this invention. The block diagram which shows the structure of the credit information transmission apparatus which concerns on embodiment of this invention. 1 is a block diagram illustrating a configuration of a mobile phone according to an embodiment of the present invention. The figure which shows an example of the layout of the card information database provided in the portable telephone which concerns on embodiment of this invention. The figure which shows an example of the layout of the member store information database provided in the mobile telephone which concerns on embodiment of this invention. The figure which shows an example of the layout of the transaction details information database provided in the portable telephone which concerns on embodiment of this invention. The flowchart which shows the procedure of the credit screening process performed in the credit screening system of embodiment of this invention. The flowchart which shows the procedure of the credit screening process performed in the credit screening system of embodiment of this invention. The flowchart which shows the procedure of the withdrawal information transmission / reception process performed in the credit examination system of embodiment of this invention. The flowchart which shows the procedure of the accident information transmission / reception process performed in the credit examination system of embodiment of this invention.

  Hereinafter, preferred embodiments of the present invention will be described with reference to the drawings. In addition, each embodiment shown below illustrates the method and apparatus for actualizing the technical idea of this invention, Comprising: The technical idea of this invention is not necessarily limited to the following. Absent. The technical idea of the present invention can be variously modified within the technical scope described in the claims.

[Configuration of credit screening system]
FIG. 1 is a block diagram showing a configuration of a credit examination system according to an embodiment of the present invention. As shown in FIG. 1, the credit examination system of the present embodiment includes a card system C provided on the credit card company side and portable information processing carried by each credit card member (hereinafter referred to as “card member”). The mobile phone 3 is a device, and the store terminal 4 is a POS (Point Of Sale) terminal provided in a store where a credit card can be used. In the card system C, information relating to the usage status of the credit card, etc., which is the credit information transmitting device 1 for transmitting the credit information used for the credit screening to the mobile phone 3 and the store settlement information from the store terminal 4 A store settlement system 2 is provided that acquires and generates settlement information for performing settlement processing based on the store settlement information. The credit information transmitting apparatus 1 and the mobile phone 3 are connected via a mobile network N1 so as to communicate with each other. Further, the store payment system 2 and the store terminal 4 are communicably connected via a dedicated line network N2.

  As described above, in the present embodiment, the mobile phone 3 is illustrated as a portable information processing device carried by a cardholder, but other portable information such as a PDA (Personal Digital Assistant) and a portable music player. A processing device (which can be connected to a wireless LAN or the like) may be used.

[Configuration of Credit Information Transmitter]
Hereinafter, a detailed configuration of the credit information transmitting apparatus 1 described above will be described.
FIG. 2 is a block diagram showing a configuration of credit information transmitting apparatus 1 according to the embodiment of the present invention. As shown in FIG. 2, the computer (credit information transmitting apparatus) 1 includes a CPU 10, a ROM 11, a RAM 12, a hard disk 13, and a communication interface (I / F) 14, and these CPU 10, ROM 11, RAM 12, and communication I / F14 is connected by a bus 15.

  The CPU 10 executes various computer programs loaded in the RAM 12. As a result, the computer 1 functions as the credit information transmitting apparatus 1 of the present embodiment.

  The ROM 11 is configured by a mask ROM, PROM, EPROM (Erasable PROM), EEPROM (Electrically Erasable PROM), or the like, and stores a computer program executed by the CPU 10, data used in the execution, and the like. .

  The RAM 12 is configured by SRAM, DRAM, or the like. The RAM 12 is used for reading out various computer programs stored in the hard disk 13. Further, it is also used as a work area of the CPU 10 when the CPU 10 executes various computer programs.

  The hard disk 13 is preinstalled with various computer programs to be executed by the CPU 10 and data used for executing the computer programs. The hard disk 13 also has a member information database (DB) 13A for storing member information regarding card members, a member store information database (DB) 13B for storing member store information regarding member stores of credit cards, and a credit card. A payment information database (DB) 13C that stores payment information related to card payments and an accident information database (DB) 13D that stores accident information related to credit card accidents are provided. Details of these databases will be described later.

  The hard disk 13 is installed with a multitask operating system such as Windows (registered trademark) manufactured and sold by Microsoft Corporation. In the following description, it is assumed that various computer programs operate on the operating system.

  Further, the hard disk 13 stores a credit screening program 13E which is a computer program executed by the mobile phone 3. The credit information transmitting apparatus 1 transmits the credit screening program 13E to the mobile phone 3 at an appropriate timing such as every time a new version is completed.

  The communication I / F 14 is an interface device for the credit information transmitting device 1 to communicate with an external device via the mobile network N1. The credit information transmitting apparatus 1 transmits various data to the mobile phone 3 via the communication I / F 14.

Hereinafter, details of each database provided in the hard disk 13 will be described.
(A) Member information DB 13A
The member information stored in the member information DB 13A includes a card number for identifying a credit card, the type and expiration date of the credit card, the name and contact information of the card member, the presence and details of the family member, and the card member. A transmission destination address used when various kinds of information are transmitted to the portable mobile phone 3 via the mobile network N1 is included.

(B) Member store information DB 13B
In the member store information stored in the member store information DB 13B, identification information for identifying the store of the store in which the member store contract is concluded with the credit card company and the store terminal provided in the store. , As well as information such as contact information for the store. The member store information stored in the member store information DB 13B has the same contents as the member store information stored in the member store information database provided in the mobile phone 3 as will be described later.

(C) Settlement information DB13C
The settlement information stored in the settlement information DB 13C includes information indicating whether or not the settlement amount has been deducted from the account of the card member's transaction financial institution, and the deduction date and deduction amount when debited. . The credit information transmitting apparatus 1 acquires the above-described payment information from a payment system (not shown) provided in the card system C, and stores it in the payment information DB 13C.

(D) Accident information DB13D
The accident information stored in the accident information DB 13D includes information on unauthorized use, theft, and loss of credit cards. The credit information transmitting apparatus 1 acquires the above accident information from an accident information system (not shown) provided in the card system C and accumulates it in the accident information DB 13D.

[Configuration of mobile phone]
Next, a detailed configuration of the mobile phone 3 will be described.
FIG. 3 is a block diagram showing the configuration of the mobile phone 3 according to the embodiment of the present invention. As shown in FIG. 3, the mobile phone 3 includes a control unit 30, a memory 31 connected to the control unit 30, an RF (Radio Frequency) unit 32, an input unit 34, a display 35, a voice input unit 36, and a camera unit. 37 and an IC chip 38.

  The control unit 30 controls the operation of each device connected to the control unit 30 and executes a computer program stored in the memory 31. The computer program stored in the memory 31 includes a credit examination program 13E downloaded from the credit information transmitting apparatus 1. In addition, the memory 31 stores a card information database (DB) 31A that stores card information related to the credit card of the card member who owns the mobile phone 3 and the family member, and member store information related to a credit card member store. And a transaction details information database (DB) 31C in which transaction details information related to the result of credit examination by the mobile phone 3 is stored. Details of these databases will be described later.

  Further, the memory 31 stores biometric information 31D of a card member who owns the mobile phone 3. This biometric information 31D is information used as a template in biometric authentication, and is composed of the cardholder's fingerprint, vein, iris, voiceprint, and the like. As will be described later, this biometric information 31D is used in a biometric authentication process executed between the mobile phone 3 and the store terminal 4.

  The RF unit 32 is a communication interface device for performing wireless communication, and performs various signal processing on a wireless signal input / output via the antenna 33. The mobile phone 3 uses the RF unit 32 to realize communication with the credit information transmitting apparatus 1 via the mobile network N1.

  The input unit 34 is an input device that includes various keys including a numeric keypad, and the display 35 is a display device that includes liquid crystal, organic EL (Electro Luminescence), or the like. The voice input unit 36 is a microphone for inputting voice or the like during a call, and the camera unit 37 is an imaging device configured by a CCD (Charged Coupled Device) or a CMOS (Complementary Metal Oxide Semiconductor). When the biological information 31D is composed of a voice print, the mobile phone 3 uses the voice input unit 36 to acquire card member voice data, and generates the biological information 31D based on the voice data. Can do. When the biological information 31D is composed of fingerprints, veins, and irises, the mobile phone 3 acquires these pieces of information from the card member using the camera unit 37, and the biological information is based on the acquired information. It is also possible to generate 31D.

  The IC chip 38 is a so-called non-contact type IC chip and is embedded in the mobile phone 3. The IC chip 38 operates by radio waves supplied from a reader / writer (not shown) provided in the store terminal 4. The mobile phone 3 and the store terminal 4 transmit and receive various data via the IC chip 38 and the reader / writer.

Hereinafter, details of each database provided in the memory 31 will be described.
(A) Card information DB 31A
FIG. 4 is a diagram showing an example of the layout of the card information DB 31A. As shown in FIG. 4, the card information DB 31A includes a company code field 301 for storing a company code for identifying a credit card company, a card ID 302 for storing a card ID for identifying a credit card, and the credit card. Expiration date field 303 for storing the expiration date of the credit card, limit amount field 304 for storing the limit amount that the credit card can be used, usage amount field 305 for storing the amount of use of the credit card, credit card accident Accident code field 306 in which an accident code indicating a type (unauthorized use, theft, loss, etc.) is stored; a family card in which information indicating the presence or absence of a credit card owned by a family member (hereinafter referred to as “family card”) is stored Field 307, family for identifying family card Family card ID field 308 over de ID is stored, and family members have a family address field 309 families address is stored is the address of the receiving an electronic mail in the mobile phone owned.

  The card information stored in the card information DB 31A is composed of information received from the credit information transmitting device 1. The credit information transmitting apparatus 1 extracts information constituting the card information from the member information DB 13A, and transmits the extracted information to the mobile phone 3. When each information is updated, the credit information transmitting apparatus 1 transmits the updated information to the mobile phone 3 at an appropriate timing, and the mobile phone 3 updates the card information using the received information. As a result, the card information stored in the card information DB 31A is kept up to date.

(B) Member store information DB 31B
FIG. 5 is a diagram showing an example of the layout of the member store information DB 31B. As shown in FIG. 5, the member store information DB 31B includes a member store code field 311 in which a member store code for identifying a member store is stored, and a terminal ID for identifying a store terminal 4 provided in the member store. Is stored in the terminal ID field 312, the member store name field 313 in which the store name of the member store is stored, the member store address field 314 in which the address of the member store is stored, and the telephone number that is the contact information of the member store. It has a member store contact field 315 and a sector code field 316 for storing a sector code indicating the sector of the member store (for example, restaurant business, clothing sales business, etc.).

  As described above, the member store information stored in the member store information DB 31B has the same content as the member store information DB 13B of the credit information transmitting apparatus 1, and the mobile phone 3 is stored in the member store information DB 13B. Each information is received from the credit information transmitting apparatus 1, and the member store information DB 31B is formed based on the received information. This member store information is also updated at an appropriate timing as in the case of card information.

(C) Transaction details information DB 31C
FIG. 6 is a diagram showing an example of the layout of the transaction details information DB 31C. As shown in FIG. 6, the transaction details information DB 31C stores a company code field 321 for storing a company code for identifying a credit card company that issues a used credit card, and a date and time when the credit card is used. Use date and time field 322, use member store field 323 storing the name of a member store using a credit card, purchase product field 324 storing the type of product purchased using a credit card, credit card use amount Is used, and a credit result field 326 for storing a result of the credit examination process is stored. Each time the mobile phone 3 performs a credit screening process described later, the mobile phone 3 generates the transaction detail information including the result, and stores it in the transaction detail information DB 31C.

  As described above, the mobile phone 3 acquires each information stored in the card information DB 31A and the member store information 31B from the credit information transmitting apparatus 1. In this case, the mobile phone 3 may receive each piece of information from the credit information transmitting device 1 via the mobile network N1, but is also provided in or near a store that uses a credit card. It may be received by a wireless system such as Wi-Fi (registered trademark) via a wireless access point. In this case, operations such as updating of information each time a card member visits a store can be performed, and the card information DB 31A and member store information 31B can be quickly updated.

[Operation of credit screening system]
Next, the operation of the credit examination system according to this embodiment configured as described above will be described with reference to a flowchart and the like. The main processes executed by the credit examination system according to the present embodiment include (1) credit examination process for credit card settlement credit examination, and (2) the credit card usage amount is a predetermined financial institution account. There are withdrawal information transmission / reception processing for transmission / reception of withdrawal information indicating that the credit card has been debited, and (3) accident information transmission / reception processing for transmission / reception of accident information related to a credit card accident. Details of each of these processes will be described below.

(1) Credit screening process A card member who purchases a product using a credit card uses a mobile phone 3 that he / she carries at the time of payment of a purchase price as a reader provided in the store terminal 4. Approach the writer. As a result, the IC chip 38 included in the mobile phone 3 operates to enable communication between the mobile phone 3 and the store terminal 4, and the following credit examination process is executed.

FIG. 7A and FIG. 7B are flowcharts showing a procedure of credit examination processing executed in the credit examination system of the present embodiment.
The store clerk inputs product information including the price and product name of the product that the card member intends to purchase to the store terminal 4. The product information is input using a barcode reader or the like provided in the store terminal 4. When the store terminal 4 accepts the input of product information (S101), the store terminal 4 displays a message prompting the card member to input biometric information on the display. Here, when the biometric information used for the card member's biometric authentication is a fingerprint, vein, and iris, the information is acquired by an imaging device or the like provided in the store terminal 4, and when the biometric information is a voiceprint, the store terminal 4 The voice print of the card member is acquired using a voice input device or the like included in the card. The store terminal 4 acquires the card member's biometric information by any one of the methods described above (S102), the biometric information, the product information received in step S101, the store name of the store, the member store code, etc. The information for credit examination including the information specifying the store is transmitted to the mobile phone 3 (S103).

  When the mobile phone 3 receives the credit review information transmitted from the store terminal 4 (S201), the mobile phone 3 compares the biometric information contained in the credit review information with the biometric information 31D stored in the memory 31. It is determined whether these pieces of biometric information match (S202). Here, when it is determined that they match (YES in S202), the mobile phone 3 searches for the member store information DB 31B using the member store code included in the credit examination information as a key, and the credit that the mobile phone 3 intends to use is used. It is determined whether or not a member store contract is concluded between the credit card company that issues the card and the use store (S203).

  If it is determined in step S203 that the member store contract has been concluded (YES in S203), the mobile phone 3 determines the price of the product included in the credit examination information, the limit field 304 of the card information DB 31A, and Using the limit amount and the usage amount stored in the usage amount field 305, it is determined whether or not the current credit card settlement is within the usage limit amount range (S204). More specifically, it is determined whether the amount obtained by subtracting the usage amount from the limit amount (that is, the available amount) is equal to or higher than the price of the product.

  If it is determined in step S204 that the amount is within the limit of use amount (YES in S204), the mobile phone 3 uses the credit card to be used based on the information stored in the accident field 306 of the card information DB 31A. Is a card related to an accident (such as a credit card that has been illegally used and a credit card that has been filed for loss) (S205). If it is determined that the card is not related to an accident (NO in S205), the mobile phone 3 proceeds to step S208 described later.

  On the other hand, if it is determined in step S202 that the biometric information does not match (NO in S202), or if it is determined in step S203 that the member store contract is not concluded (NO in S203), it is within the range of the usage limit amount in step S204. If it is determined that it is not (NO in S204), or if it is determined that the card is related to an accident in step S204 (YES in S205), the mobile phone 3 determines that the result of the credit review is disapproved, Disapproval information indicating that the credit has not been approved and the reason (inconsistency of biometric information, absence of member store contract, overuse limit card, or accident card) is transmitted to the store terminal 4 (S206). ), A disapproval screen indicating what caused the disapproval is displayed on the display 35 (S207). By referring to the disapproval screen, the card member can know that the credit is not approved and the reason. If the card is declined due to an accident card, the credit card user may be an unauthorized user, and it is not necessary to inform the user of the reason for the decline. The screen may not include the reason for disapproval.

  When the store terminal 4 receives the disapproval information transmitted from the mobile phone 3 (S104), the store terminal 4 displays on the display a disapproval screen showing what caused the disapproval (S105). By referring to this disapproval screen, the store clerk can know that the credit was not approved and the reason. If the biometric information is disapproved due to the mismatch, the process may return to step S102 to acquire the biometric information again and try the credit examination process again.

  If it is determined in step S205 that the card is not related to an accident (NO in S205), the mobile phone 3 determines that the credit has been approved, as shown in FIG. 7B, and approval information indicating that the credit has been approved. Is transmitted to the store terminal 4 (S208).

  When the store terminal 4 receives the approval information transmitted from the mobile phone 3 (S106), the store terminal 4 transmits reception completion information indicating that the credit approval has been received to the mobile phone 3 (S107). The store terminal 4 stores the received approval information, generates store checkout information related to store checkout based on the stored approval information, and stores the checkout via the dedicated line network N2 when the station is closed. The store settlement information is transmitted to the system 2. As described above, the store settlement system 2 that has received the store settlement information generates settlement information necessary for performing settlement based on the received store settlement information. The payment information generated in this way is sent from the store payment system 2 to the payment system provided in the card system C.

  When the mobile phone 3 receives the reception completion information transmitted from the store terminal 4 (S209), it generates transaction details information relating to the transaction relating to the current credit and registers it in the transaction details information DB 31C (S210). Next, the mobile phone 3 performs usage amount updating processing by adding the current credit card usage amount to the usage amount stored in the usage amount field 305 of the card information DB 31A (S211).

  Next, the mobile phone 3 refers to the information stored in the family card field 307 of the card information DB 31A, and determines whether or not a family card exists for the credit card used this time (S212). Here, when it is determined that there is no family card (NO in S212), the mobile phone 3 ends the process. On the other hand, if it is determined that a family card exists (YES in S212), the mobile phone 3 sends an e-mail including usage amount update information indicating that the usage amount has been updated, to the family address field 309 of the card information DB 31A. (S213). When there are a plurality of family cards, the e-mail is transmitted to a plurality of addresses associated with each family card. As a result, the e-mail is transmitted to the mobile phone carried by all the family members.

  When the family member mobile phone having the same configuration as the mobile phone 3 receives the usage amount update information included in the e-mail transmitted from the mobile phone 3 (S301), the above-described step S211 Similarly to the case, the usage amount is updated by adding the usage amount of the current credit card to the usage amount stored in the usage amount field 305 of the card information DB 31A provided in its own memory ( S302). As a result, not only the main member but also the usage amount in the mobile phone carried by the family member is updated, so that it is possible to appropriately perform subsequent credit screening. If the credit screening process is for a family card and the credit is approved, the use of the membership card (and the family card if other family cards exist) in the same manner as above. The amount will be updated.

  By executing the credit screening process described above, the card user can complete the credit card settlement credit screening using only the mobile phone 3 without using the credit card itself. In addition, in order to perform an appropriate credit examination, it is necessary to keep the contents of the card information DB 31A up to date. The following withdrawal information transmission / reception process and accident information transmission / reception process are processes for updating the information stored in the usage amount field 306 and the accident code field 306 of the card information DB 31A as described above.

(2) Withdrawal information transmission / reception processing The following withdrawal information transmission / reception processing is repeatedly executed at the timing when the contents of the payment information DB 13C are updated in the credit information transmitting apparatus 1.
FIG. 8 is a flowchart showing a procedure of withdrawal information transmission / reception processing executed in the credit examination system according to the present embodiment. When the contents of the payment information DB 13C are updated because the payment amount has been withdrawn from the account of the card member's transaction financial institution, the credit information transmitting device 1 generates withdrawal information including the withdrawal amount as shown in FIG. (S401), the withdrawal information is transmitted to the cellular phone 3 of the card member from which the withdrawal was performed (S402). This transmission may be performed via the mobile network N1, or may be performed via a wireless access point provided in the store or in the vicinity thereof. When using a wireless access point, there is an advantage that when the card user is in the store, the withdrawal information can be reliably transmitted to the mobile phone 3 carried by the card user.

  When the mobile phone 3 receives the withdrawal information transmitted from the credit information transmitting apparatus 1 (S501), it updates the usage amount stored in the usage amount field 305 of the card information DB 31A to zero (S502).

  As a result of the above-described withdrawal information transmission / reception process, the card information DB 31A reflects that the payment amount has been withdrawn. Thereby, the content of card information DB31A can be made into the newest state.

  Note that it is possible to execute the debit information transmission / reception process for all credit cards registered in the member information DB 13A at a timing such as once a month. In this case, the credit information transmitting apparatus 1 is temporarily provided. It is conceivable that the load of On the other hand, each time the payment amount is withdrawn from the account of the card member's financial institution, if the above-mentioned debit information transmission / reception processing is performed for the card member's credit card, the debit date may differ depending on the financial institution. Are distributed, and an increase in the load on the credit information transmitting apparatus 1 can be avoided.

(3) Accident Information Transmission / Reception Processing The following accident information transmission / reception processing is repeatedly executed at a timing such as each time the content of the accident information DB 13D is updated in the credit information transmission device 1.
FIG. 9 is a flowchart showing a procedure of accident information transmission / reception processing executed in the credit examination system of the present embodiment. The credit information transmitting device 1 transmits the updated accident information to the mobile phone 3 as shown in FIG. 9 when the content of the accident information DB 13D is updated because the latest accident information is received from the accident information system. (S601). In this case, the accident information is transmitted to the mobile phone 3 related to the updated accident information, that is, the mobile phone 3 associated with the credit card confirmed to be fraudulent or the credit card for which the application for loss has been made. Is done. Note that this transmission may also be performed via the mobile network N1 or via a wireless access point, as in the case of the withdrawal information transmission / reception process described above.

  When the mobile phone 3 receives the accident information transmitted from the credit information transmitting device 1 (S701), the mobile phone 3 updates the accident code stored in the accident code field 306 of the card information DB 31A based on the received accident information. (S702).

  As a result of the above accident information transmission / reception process, the latest accident information is reflected in the card information DB 31A. This makes it possible to prevent unauthorized use from being expanded.

  The credit information transmitting device 1 may transmit the accident information not only to the mobile phone 3 but also to each store terminal 4. In this case, in the above (1) credit examination process, the store terminal 4 determines whether or not the credit card related to the credit examination is a card related to the accident based on the accident information received from the credit information transmitting device 1. . As a result, it is possible to confirm whether or not the card is related to an accident in both the mobile phone 3 and the store terminal 4.

  As described above, since the credit screening process can be executed while keeping the contents of the card information DB 31A in the latest state, it is possible to use a credit card settlement regardless of the amount of settlement.

(Other embodiments)
In order to prevent the credit examination from being approved when the content of the card information DB 31A of the mobile phone 3 is not the latest state, the following processing may be performed.
The credit information transmitting device 1 repeatedly transmits specific information (for example, a card ID) to the mobile phone 3 at a predetermined time interval such as once a week. When the mobile phone 3 receives the specific information, the mobile phone 3 stores the reception date and time in the memory 31. In the credit screening process, the mobile phone 3 compares the stored reception date and time with the current date and time and has received the specific information within a certain period (for example, within one week). Determine whether or not. If it is received here, the same process as the above (1) credit examination process is executed. If it is not received, a transmission request for each information stored in the card information DB 31A is sent to the credit information transmitting apparatus 1 After the contents of the card information DB 31A are updated, the same process as the above (1) credit examination process is executed. Thereby, since the contents of the mobile phone 3 can be surely updated, it is possible to prevent the credit examination from being erroneously approved.

  Each of the credit examination system and the credit examination method of the present invention is useful as a credit examination system and a credit examination method for conducting credit examination for credit card settlement using a portable information processing device such as a portable telephone. Moreover, the portable information processing apparatus and the computer program of the present invention are useful as a portable information processing apparatus and a computer program used for credit card payment credit examination, respectively.

1 Credit Information Transmitting Device 10 CPU
11 ROM
12 RAM
DESCRIPTION OF SYMBOLS 13 Hard disk 13A Member information database 13B Merchant information database 13C Settlement information database 13D Accident information database 13E Credit examination program 14 Communication interface 15 Bus 2 Store settlement system 3 Portable telephone 30 Control part 31 Memory 31A Card information database 31B Merchant information database 31C Transaction details information database 31D Biometric information 33 Antenna 34 Input unit 35 Display 36 Voice input unit 37 Camera unit 38 IC chip 4 Store terminal C Card system N1 Mobile network N2 Dedicated line network

Claims (12)

A portable information processing device carried by a credit card user, a credit card company-side card system connected to be communicable with the portable information processing device, and a store terminal provided in a store where the credit card can be used; In the credit examination system that performs credit examination for credit card settlement,
The card system is
Card usage status information transmitting means for transmitting card usage status information indicating the usage status of a credit card to the portable information processing apparatus;
The store terminal is
When credit card settlement credit is performed, credit review information transmitting means for transmitting credit review information including a usage amount related to the credit to the portable information processing device is provided,
The portable information processing apparatus is
A card information storage unit for storing card information related to a credit card;
Card information updating means for updating the card information stored in the card information storage unit based on the card usage status information received from the card system;
Credit examination processing means for performing credit examination processing for credit card settlement based on the card information updated by the card information updating means and the credit examination information received from the store terminal, Credit screening system.   The card usage status information transmitting unit is configured to transmit the card usage status information to the portable information processing device via a wireless access point provided around the store. Credit screening system described in 1.   The credit examination system according to claim 1, wherein the card usage status information transmitting unit is configured to transmit card usage status information including a payment status of a credit card to the portable information processing apparatus. .   The card usage status information transmitting means is configured to transmit card usage status information including card accident information related to a credit card accident to the portable information processing device. Credit screening system described in 1. The store terminal is
Further comprising biometric information acquisition means for acquiring biometric information of the user,
The credit examination information transmitting means is configured to transmit the credit examination information including the biological information acquired by the biological information acquiring means to the portable information processing apparatus,
The portable information processing apparatus is
A biological information storage unit for storing the biological information of the user;
The credit examination processing means executes the credit examination process based on a collation result between the biological information included in the credit examination information received from the store terminal and the biological information stored in the biological information storage unit. The credit examination system according to claim 1, which is configured as described above. The credit information transmitting means is configured to transmit credit examination information including store identification information for identifying the store to the portable information processing device,
The portable information processing apparatus is
Further comprising a member store identification information storage unit for storing member store identification information for identifying a member store of the credit card company;
Based on the store identification information included in the credit review information received from the store terminal and the member store identification information stored in the member store identification information storage unit, the credit check processing means is connected to the store. The credit screening system according to claim 1, wherein the credit screening system is configured to determine whether or not the store is a store and execute the credit screening process based on the determination result. A portable information processing device carried by a credit card user, a credit card company-side card system connected to be communicable with the portable information processing device, and a store terminal provided in a store where the credit card can be used; In the credit screening method that performs credit screening for credit card settlement using
The card system is
Performing a card usage status information transmission step of transmitting card usage status information indicating the usage status of a credit card to the portable information processing apparatus;
The store terminal is
When performing credit card payment credit, execute a credit screening information transmission step of transmitting credit screening information including a usage amount related to the credit to the portable information processing device,
The portable information processing apparatus is
It has a card information storage unit that stores card information related to credit cards,
A card information update step for updating the card information stored in the card information storage unit based on the card usage status information received from the card system;
A credit examination processing step for executing a credit examination process for credit card settlement based on the card information updated by the card information updating means and the credit examination information received from the store terminal, Credit screening method.   The card usage status information transmitting step, wherein the card system transmits the card usage status information to the portable information processing apparatus via a wireless access point provided around the store. The credit screening method described.   The credit examination method according to claim 7 or 8, wherein, in the card usage status information transmitting step, the card system transmits card usage status information including a payment status of a credit card to the portable information processing apparatus.   The card usage status information transmitting step, wherein the card system transmits card usage status information including card accident information related to a credit card accident to the portable information processing device. The credit screening method described. In a portable information processing device carried by a credit card user,
A card information storage unit for storing card information related to a credit card;
A card usage status information receiving means for receiving card usage status information indicating the usage status of a credit card from a credit card company side card system;
Card information updating means for updating the card information stored in the card information storage unit based on the card usage status information received by the card usage status information receiving means;
Credit review information receiving means for receiving credit review information including a usage amount related to the credit when credit card settlement credit is performed from a store terminal provided in a store where a credit card can be used;
Credit information processing means for executing credit card settlement credit processing based on the card information updated by the card information updating means and the credit examination information received from the store terminal. Processing equipment. A portable information processing apparatus including a card information storage unit that stores card information related to a credit card,
A card usage status information receiving means for receiving card usage status information indicating the usage status of a credit card from a credit card company side card system;
Card information updating means for updating the card information stored in the card information storage unit based on the card usage status information received by the card usage status information receiving means;
Credit review information receiving means for receiving credit review information including a usage amount related to the credit when credit card settlement credit is performed from a store terminal provided in a store where a credit card can be used;
A computer program for functioning as credit processing means for executing credit processing for credit card payment based on the card information updated by the card information updating means and credit examination information received from the store terminal.

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