JP2013200746A - Credit card system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a credit card system capable of controlling the timing of withdrawing a use amount of a credit card from a specified account of a financial institution.SOLUTION: A credit card system 1, when a credit card is used, acquires the balance of the account of the financial institution corresponding to the credit card from a bank system 4 (S104), and on the basis of the balance and the use amount of the credit card, determines whether or not it is possible to instantaneously withdraw the use amount from the account (S105). In this case, the credit card system 1 transmits a request to withdraw the use amount to the bank system 4 (S106) when determined that instantaneous withdrawal is possible (YES in S105), and transmits a request of normal withdrawal of the use amount after a prescribed cutoff date later when determined that the instantaneous withdrawal is impossible (NO in S105) on the other hand.

Description

  The present invention relates to a credit card system capable of controlling the timing of withdrawing a credit card usage amount from a designated account of a financial institution.

  In the case of a credit card, the balance of the designated account of the financial institution is not sufficient on the date of withdrawal of the usage amount, and the withdrawal may not be performed. In order to prevent the occurrence of such a situation, various techniques have been proposed. For example, in Patent Document 1, whether or not the usage amount can be withdrawn by comparing the usage amount of the credit card with the balance of the designated account at that time at any timing such as the day before the withdrawal date of the financial institution. A communication terminal apparatus that determines whether or not and notifies the user of the determination result is disclosed. According to this communication terminal device, whether or not the credit card usage amount can be deducted can be notified at an appropriate timing. For example, if the balance is not sufficient, the user can receive the insufficient amount of money. It becomes possible to prompt.

JP 2005-285054 A

  However, even if the user deposits the shortage amount after receiving the notification from the communication terminal device, the balance may not be available on the actual withdrawal date depending on the usage status of the subsequent account. There may be situations where it becomes impossible. This is the same even when there is a sufficient balance on the day when the user receives the notification from the communication terminal device. In order to prevent the occurrence of such a situation, if the user always manages the balance of the designated account, there arises a problem that a very complicated work is forced.

  The present invention has been made in view of such circumstances, and a main object thereof is to provide a credit card system capable of controlling the timing of debiting the credit card usage amount.

  In order to solve the above-described problem, in the credit card system according to one aspect of the present invention, when a credit card is used, the balance of the account of the financial institution associated with the credit card is determined. Based on the balance acquisition means acquired from the system and the balance acquired by the balance acquisition means and the credit card usage amount, it is determined whether or not the usage amount can be immediately withdrawn from the account. When it is determined that the withdrawal can be made by the acceptability judging means and the immediate withdrawal allowance judging means, the immediate withdrawal request transmitting means for sending the usage amount withdrawal request to the financial institution system, and the immediate withdrawal possibility judgment If it is determined by the means that it cannot be withdrawn, the specified closing date When passed, provided to the financial institution system, the normal withdrawal request transmitting means for transmitting a debit request of the spending.

  The credit card system according to the aspect further includes condition acquisition means for acquiring an immediate withdrawal condition for executing an immediate withdrawal from a user of each credit card, wherein the immediate withdrawal possibility determination means is obtained by the condition acquisition means. It may be configured to determine whether or not the immediate withdrawal condition is satisfied, and when it is determined as a result that the immediate withdrawal condition is satisfied, it is determined whether or not the withdrawal can be performed immediately.

  Further, in the credit card system according to the aspect, the condition acquisition unit is configured to acquire an immediate debit condition including a set amount range set as a range of the amount for which immediate deduction is performed, and whether or not the immediate deduction is possible The determination means determines whether or not the immediate debiting condition is satisfied by determining whether or not the usage amount of the credit card to be determined is within a set amount range included in the immediate debiting condition It may be configured to.

  Further, in the credit card system according to the aspect, the condition acquisition unit is configured to acquire an immediate debit condition including whether or not an immediate debit is determined according to a credit card usage field. The means specifies the credit card usage field to be determined, and determines whether or not the specified usage field is subject to immediate withdrawal based on the immediate withdrawal condition, thereby satisfying the immediate withdrawal condition It may be configured to determine whether or not it has been done.

  Further, in the credit card system according to the aspect, the condition acquisition unit is configured to acquire an immediate debit condition including whether or not an immediate debit is determined according to a credit card use period, and the immediate debit availability determination The means specifies the use date and time of the credit card to be determined, and determines whether or not the specified use date and time is an object of immediate withdrawal based on the immediate withdrawal condition, whereby the immediate withdrawal condition is satisfied It may be configured to determine whether or not it has been done.

  Further, in the credit card system according to the aspect, the condition acquisition unit is configured to acquire an immediate debit condition including a minimum balance of an account of a financial institution associated with the credit card. Whether or not the immediate withdrawal condition is satisfied by determining whether or not the balance of the account after the usage amount is deducted from the account is less than the minimum balance included in the immediate withdrawal condition It may be configured to determine.

  Further, in the credit card system according to the aspect, the condition acquisition unit is configured to acquire an immediate withdrawal condition including a non-execution period in which the immediate withdrawal is not performed, and the immediate withdrawal possibility determination unit includes a determination target Whether or not the immediate debiting condition has been satisfied by identifying the use date and time of the credit card and determining whether or not the specified use date and time is within the non-execution period of the immediate deduction based on the immediate debiting condition It may be configured to determine whether or not.

  Further, in the credit card system according to the above aspect, when it is determined that immediate withdrawal is not possible by the immediate withdrawal possibility determination unit, the credit card usage amount is settled by revolving payment when the predetermined closing date has passed. Switching means for switching to may be further provided.

  Further, in the credit card system according to the aspect, when the predetermined closing date has elapsed, the balance of the account is acquired from the system of the financial institution, and revolving payment is performed based on the acquired balance and the usage amount of the credit card. A switchability determination unit that determines whether or not to switch to revolving payment when the switching unit determines to switch to revolving payment by the switchability determination unit. It may be configured.

  Furthermore, in the credit card system of the above aspect, when it is determined that the withdrawal is not possible by the immediate withdrawal allowance determination unit, an immediate withdrawal request for the credit card usage amount is received before the predetermined closing date is reached. Further comprising a withdrawal request accepting means, wherein the immediate withdrawal allowance judging means judges whether or not it is possible to immediately withdraw the usage amount related to the immediate withdrawal request accepted by the immediate withdrawal request accepting means May be.

  According to the credit card system of the present invention, it becomes possible to control the timing of debiting the usage amount of the credit card, so that the convenience of the credit card can be improved.

The block diagram which shows the structure of the credit card system which concerns on embodiment of this invention, and its communication destination. The figure which shows an example of the layout of the sales information database provided in the credit card system which concerns on embodiment of this invention. The figure which shows an example of the layout of the withdrawal setting information database provided in the credit card system which concerns on embodiment of this invention. The figure which shows an example of the 1st immediate withdrawal setting screen displayed on the display part of a member terminal device. The figure which shows an example of the 2nd immediate withdrawal setting screen displayed on the display part of a member terminal device. The figure which shows an example of the 3rd immediate withdrawal setting screen displayed on the display part of a member terminal device. The flowchart which shows the procedure of the process at the time of the sales generation performed by the credit card system and bank system which concern on embodiment of this invention. The flowchart which shows the procedure of the billing | tightening process performed by the credit card system and bank system which concern on embodiment of this invention. The flowchart which shows the procedure of the after-the-fact immediate withdrawal process executed by the credit card system, the member terminal device, and the bank system according to the embodiment of the present invention (first half). The flowchart (latter half) which shows the procedure of the after-the-fact immediate withdrawal process performed by the credit card system which concerns on embodiment of this invention, a member terminal device, and a bank system. The figure which shows an example of the usage statement screen displayed on the display part of a member terminal device.

  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 card system]
FIG. 1 is a block diagram showing a configuration of a credit card system and its communication destination according to an embodiment of the present invention. As shown in FIG. 1, the credit card system 1 of the present embodiment includes a plurality of member terminal devices 2, 2,... Used on each credit card member (hereinafter referred to as "card member") side. A plurality of member store terminals 3, 3,... Installed in member stores and a bank computer system (hereinafter referred to as “bank system”) 4 having a designated account used for debiting the credit card usage amount. Is communicably connected.

  The credit card system 1 includes a CPU that executes various computer programs, a storage device such as a RAM / ROM and a hard disk, and a computer that includes each device such as a communication interface used when communicating with each communication destination. ing. The hard disk is provided with a sales information database (DB) 10A for storing sales information related to sales by using credit cards and a withdrawal setting information database (DB) 10B for setting credits for debiting the usage amount of credit cards. Details of these databases will be described later. The credit card system 1 may be realized by a single computer that executes various processes including specific processes described later, and these various processes are distributed and executed by a plurality of computers. It may be realized by a distributed system.

  The member terminal devices 2, 2,... Are constituted by devices having communication functions such as personal computers, mobile phones, and PDAs (Personal Digital Assistants). The credit card system 1 communicates with these member terminal devices 2, 2,... Via a communication network 100A such as the Internet.

  The member store terminals 3, 3,... Are provided in each member store as described above, and are used when each card member uses a credit card in the member store. The credit card system 1 communicates with these member store terminal devices 3, 3,... Via the dedicated line 100B.

Hereinafter, details of each database provided in the hard disk of the credit card system 1 will be described.
(A) Sales information DB 10A
FIG. 2 is a diagram showing an example of the layout of the sales information DB 10A provided in the credit card system 1 according to the embodiment of the present invention. As shown in FIG. 2, the sales information DB 10A includes a card number field 101 in which the card number of the used credit card is stored, a use date field 102 in which the date and time when the credit card is used is stored, and the credit card usage amount. Stored usage amount field 103, member store ID field 104 storing a member store ID for identifying a store using a credit card, and a use type indicating the type of goods / services purchased using a credit card are stored. Used type field 105, withdrawal type field 106 in which the withdrawal type indicating the type of withdrawal method from the designated account is stored, withdrawal status indicating whether or not withdrawal from the designated account has already been completed (withdrawal has been completed). If it is “Done”, if it has not been withdrawn yet "No") is stored, and information indicating whether or not the payment is a revolving payment ("○" for revolving payment, "x" for normal payment) is stored. The revolving payment field 108 is provided. As will be described later, the credit card system 1 generates sales information at a timing when sales are generated by using a credit card, and registers the sales information in the sales information DB 10A.

  In the present embodiment, as a method of debiting the credit card usage amount from the designated account, the “usual debit” is used to deduct the total usage amount up to a predetermined closing date on a predetermined withdrawal date such as the end of every month. There are two types of “immediate debit”, which deducts the usage amount immediately when a credit card is used. In the withdrawal type field 106 described above, information (“immediate”, “normal”) specifying these two types of withdrawal methods is stored.

(B) Withdrawal setting information DB 10B
FIG. 3 is a diagram showing an example of the layout of the withdrawal setting information DB 10B provided in the credit card system 1 according to the embodiment of the present invention. As shown in FIG. 3, the withdrawal setting information DB 10B executes a card number field 201 in which the card number of each credit card is stored, a usage type field 202 in which a usage type indicating the type of product / service is stored, and immediate withdrawal. A set amount field 203 for storing a set amount, which is one of the conditions to be executed, a minimum guaranteed balance field 204 for storing a minimum guaranteed balance that is a minimum balance of a designated account when an immediate deduction is executed, and an immediate deduction is executed It has a target period field 205 in which a target period that is a period is stored, and a non-target period field 206 in which a non-target period that is a period in which immediate debiting is not performed. As will be described later, the credit card system 1 acquires various conditions relating to immediate withdrawal set by each card member from the member terminal device 2, and registers them in the withdrawal setting information DB 10B.

  As shown in FIG. 3, the usage type field 202 is divided into a plurality of subfields corresponding to each usage type. FIG. 3 illustrates a clothing subfield 202a, a food subfield 202b, a food and drink subfield 202c, and a gasoline subfield 202d. In addition to these, a plurality of subfields corresponding to various usage types are provided, but are omitted here.

[Operation of credit card system]
Next, the operation of the credit card system 1 of the present embodiment configured as described above will be described with reference to a flowchart and the like. The main processing executed by the credit card system 1 according to the present embodiment includes (1) immediate withdrawal setting processing for setting various conditions related to immediate withdrawal, and (2) when sales occur due to use of a credit card. Processing at the time of occurrence of sales, (3) billing closing processing executed when a predetermined closing date is reached, and (4) post-immediate withdrawal processing for executing immediate withdrawal later. Details of each of these processes will be described below.

(1) Immediate withdrawal setting process The immediate withdrawal setting process is executed by the credit card system 1 and the member terminal device 2. First, the member terminal device 2 accesses the credit card system 1 according to an instruction from the card member, and requests an immediate withdrawal setting screen for setting various conditions for immediate withdrawal. In this access, card member authentication processing is executed using a card number and a preset password, and the following processing is executed only when the authentication is successful.

  Upon receiving the request, the credit card system 1 transmits each piece of information displayed on the immediate withdrawal setting screen to the member terminal device 2. The member terminal device 2 displays an immediate withdrawal setting screen on the display unit based on the information. In the present embodiment, this immediate withdrawal setting screen is composed of three screens, namely first to third immediate withdrawal setting screens. 4A to 4C are diagrams showing examples of the respective immediate withdrawal setting screens. First, the first immediate withdrawal setting screen 301 shown in FIG. 4A is displayed on the display unit of the member terminal device 2. The first immediate withdrawal setting screen 301 includes a usage type selection field 301a for setting a usage type that is subject to immediate withdrawal, an amount input field 301b for setting an amount that is subject to immediate withdrawal, and a next A button 301c for displaying a second immediate withdrawal setting screen which is a screen is provided.

  As shown in FIG. 4A, the name of each product / service is displayed in the use type selection field 301a of the first immediate withdrawal setting screen 301, and sales for each product / service are targeted for immediate withdrawal. A radio button is provided for selecting whether or not. The cardholder checks the “Yes” button for products / services that he / she wishes to be immediately withdrawn using the input unit provided on the member terminal device 2 and does not make it eligible for immediate withdrawal. Check the “No” button for products and services that are normally withdrawn. The use type selection field 301a is also provided with a radio button for making all products / services subject to immediate withdrawal at once. If the cardholder wants all products / services to be immediately debited, check the “Yes” button, and if any of the products / services is excluded from immediate debit Check the “No” button.

  In addition, in the amount input field 301b of the first immediate withdrawal setting screen 301, an input field for inputting the amount, and if the amount entered in the input field is equal to or more than the amount input, A pull-down input field is provided for setting whether or not the amount is less than or equal to the amount. The card member inputs in each input column how much the usage amount is more than or less than how much is to be immediately debited. FIG. 4A shows an input example in the case where the amount is 20,000 yen or more and is subject to immediate debit. In the present embodiment, the contents input in the amount input field 301b are applied to all the products / services selected in the usage type selection field 301a. May be provided so that the amount of money can be individually set for each product / service.

  The card member inputs the usage type selection field 301a and the money amount input field 301b, and then presses the button 301c. Upon detecting this, the member terminal device 2 displays a second immediate withdrawal setting screen 302 shown in FIG. 4B on the display unit. In the second immediate withdrawal setting screen 302, a minimum guaranteed balance input field 302a for inputting the minimum balance of the designated account after the immediate withdrawal execution, a target period input field 302b for entering a period for executing the immediate withdrawal, And a button 302c for displaying a third immediate withdrawal setting screen, which is the next screen. The card member inputs the minimum balance to be left in the designated account when immediate debiting is executed in the minimum guaranteed balance input field 302a, and inputs the target period of immediate debit in the target period input field 302b. As shown in FIG. 4B, the target period input field 302b is provided with a radio button for selecting whether or not to specify a period. When the minimum guaranteed balance is secured, the cardholder checks the “Do not specify” button when he / she wishes to carry out an immediate debit, and “Monthly” when he / she wishes to carry out only for a specific period. Enter the desired period after checking the “From day to day” button. FIG. 4B shows a case where the balance of the designated account after the immediate debit is executed is 10,000 yen or more and the debit is performed when the credit card usage date is from the 20th to the 26th of every month. An input example is shown.

  The card member inputs the minimum guarantee balance input field 302a and the target period input field 302b, and then presses the button 302c. Upon detecting this, the member terminal device 2 displays a third immediate withdrawal setting screen 303 shown in FIG. 4C on the display unit. The third immediate withdrawal setting screen 303 is provided with a non-withdrawal period input field 303a for inputting a period during which immediate withdrawal is not performed, and a button 303b for completing the setting of the execution condition for immediate withdrawal. . The card member inputs a period in which he / she does not wish to perform immediate withdrawal into the withdrawal target non-withdrawal period input field 303a and presses the button 303b. On the other hand, if the setting of this period is unnecessary, the card member presses the button 303b without inputting anything in the non-withdrawal period input field 303a. FIG. 4C shows an input example when the immediate debit is not executed from the 10th to the 15th of every month.

  The member terminal device 2 that has detected the pressing of the button 303b transmits various conditions for execution of the immediate withdrawal input on each immediate withdrawal setting screen to the credit card system 1. The credit card system 1 that has received this generates the withdrawal setting information by adding the card number to the various conditions, and registers it in the withdrawal setting information DB 10B. Thereby, the immediate withdrawal setting process ends. By executing the immediate withdrawal setting process as described above for each credit card, the withdrawal setting information related to each credit card is accumulated in the withdrawal setting information DB 10B of the credit card system 1. Hereinafter, each process executed using the withdrawal setting information accumulated in this way will be described.

(2) Processing when sales occur When a card member uses a credit card at a member store, various information such as the credit card's card number, expiry date, amount used, member store ID, and type of use is stored in the member store terminal 3. To the credit card system 1. Receiving this, the credit card system 1 executes a credit inquiry process for the current use. Since this credit inquiry process is the same as a known process, a detailed description thereof is omitted. As a result of the credit inquiry process, sales are generated when the current use is approved. In the following, a process at the time of sales occurrence executed when sales occur in this way will be described.

  FIG. 5 is a flowchart showing a procedure of sales generation processing executed by the credit card system 1 and the bank system 4 according to the embodiment of the present invention. As shown in FIG. 5, the credit card system 1 extracts the credit card withdrawal setting information by searching the withdrawal setting information DB 10B using the card number of the credit card related to the sales as a key (S101).

Next, the credit card system 1 makes an immediate deduction based on the information stored in the usage type field 202, the set amount field 203, the target period field 205, and the non-target period field 206 of the extracted debit setting information. It is determined whether or not the conditions for execution are satisfied (S102). Specifically, for example, when the withdrawal setting information extracted in step S101 is the record in the first row of the withdrawal setting information DB 10B shown in FIG. 3, the current usage type is “food” and “food”. The execution condition is satisfied depending on whether the current usage amount is “20,000 yen or less” and whether the current usage date is from the 20th to the 26th. It is determined whether or not. Since no value is set in the non-target period 206 of this record, in this example, it is determined that the condition is satisfied for the non-target period.

  If it is determined in step S102 that the execution condition for immediate withdrawal is not satisfied (NO in S102), the credit card system 1 proceeds to step S108 described later without performing immediate withdrawal. On the other hand, when it is determined that the execution condition is satisfied (YES in S102), the credit card system 1 is operated with respect to the bank system 4 operated by the bank having the designated account associated with the credit card to be processed. Then, a balance request for requesting notification of the balance of the designated account is transmitted (S103).

  When the bank system 4 receives the balance request transmitted from the credit card system 1 (S201), the bank system 4 acquires the balance of the designated account indicated by the balance request, and stores the balance information indicating the acquired balance as a credit card. It transmits with respect to the system 1 (S202).

  When the credit card system 1 receives the balance information transmitted from the bank system 4 (S104), it is extracted in step S101, the balance of the designated account indicated by the balance information, the current usage amount, and so on. Based on the minimum guarantee balance stored in the minimum guarantee balance field 204 of the withdrawal setting information, it is determined whether immediate withdrawal is possible (S105). More specifically, in step S105, the credit card system 1 determines that immediate debiting is possible when the balance of the designated account is greater than the current usage amount and the difference is equal to or greater than the minimum guaranteed balance. If not, it is determined that immediate withdrawal is not possible.

  If it is determined in step S105 that immediate withdrawal is not possible (NO in S105), the credit card system 1 proceeds to step S108 described later without performing immediate withdrawal. On the other hand, when it is determined that immediate withdrawal is possible (YES in S105), the credit card system 1 transmits a withdrawal request for instructing the immediate withdrawal of the current usage amount to the bank system 4 (S106). .

  When the bank system 4 receives the withdrawal request transmitted from the credit card system 1 (S203), it executes a withdrawal process for withdrawing the usage amount from the designated account (S204). As a result, the withdrawal was made immediately. Then, the bank system 4 transmits withdrawal completion information indicating that the withdrawal process has been completed to the credit card system 1 (S205).

  When the credit card system 1 receives the withdrawal completion information transmitted from the bank system 4 (S107), the credit card system 1 transmits the sales completion information indicating that the sales related to the immediate withdrawal has been completed to the member store terminal 3 (S108). ). If it is determined in step S102 that the execution conditions for immediate withdrawal are not satisfied (NO in S102), or if it is determined in step S105 that immediate withdrawal is not possible (NO in S105), the credit card system In step S108, 1 transmits sales completion information indicating that the sales related to the normal withdrawal have been completed to the member store terminal 3. The member store terminal 3 that has received the sales completion information transmitted in this manner displays a message on the display unit indicating that the sales are completed and whether the sales are related to immediate withdrawal or normal withdrawal. To do. Thereby, the clerk of the member store can grasp the sales situation regarding the use of the credit card this time.

  Next, the credit card system 1 generates sales information indicating the contents of the current sales and registers it in the sales information DB 10A (S109). Here, when immediate withdrawal is executed, that is, when step S204 is executed in the bank system 4, and then step S107 is executed in the credit card system 1, "immediate" is displayed in the withdrawal type field 106. Sales information in which “Done” is stored in the field 107 is registered. On the other hand, if the execution conditions excluding those related to the balance among the execution conditions for the immediate debit are not satisfied, that is, if it is determined in step S102 that the execution conditions are not satisfied in the credit card system 1, "" Sales information in which “normal” is stored in the withdrawal status field 107 and “not yet” is registered. If the execution condition relating to the balance is not satisfied, that is, if it is determined in step S105 that the credit card system 1 does not allow immediate withdrawal, “immediate” is set in the withdrawal type field 106 and “unread” in the withdrawal status field 107. Sales information storing "" is registered. In any case, “x” is stored in the revolving payment field 108 of the registered sales information.

  With the above-described processing at the time of occurrence of sales, when the sales satisfying the conditions for execution of the immediate debit set by the card member occur, and the balance is in the designated account, the debit is deducted immediately. In this way, when the card member desires and there is a balance in the designated account, an immediate withdrawal can be realized, so that troublesome operations such as constantly managing the balance of the designated account can be avoided.

(3) Claim tightening process Next, a claim tightening process that is executed when a predetermined closing date is reached will be described.
FIG. 6 is a flowchart showing the procedure of a billing closing process executed by the credit card system 1 and the bank system 4 according to the embodiment of the present invention. As shown in FIG. 6, the credit card system 1 first identifies a credit card that is the subject of a billing process, and searches the sales information DB 10A using the card number of the identified credit card as a key to thereby obtain the credit card. Sales information relating to sales that have not yet been withdrawn (that is, sales for which “not yet” is stored in the withdrawal status field 107) is extracted (S302). In addition, when there are a plurality of sales that have not been withdrawn in this way, a plurality of sales information respectively corresponding to them is extracted.

  Next, the credit card system 1 confirms the information stored in the withdrawal type field 106 and the withdrawal status field 107 of the extracted sales information, and although it is set as immediate withdrawal, the withdrawal is not actually performed. It is determined whether or not there is any sales (hereinafter referred to as “immediate undrawn sales”) (S303). If it is determined that it does not exist (NO in S303), the credit card system 1 proceeds to Step S308 described later. On the other hand, when it is determined that there is an immediate undrawn sales (YES in S303), the credit card system 1 is in response to the bank system 4 operated by the bank having the designated account associated with the credit card to be processed. A balance request for requesting notification of the balance of the designated account is transmitted (S304).

  When the bank system 4 receives the balance request transmitted from the credit card system 1 (S401), the bank system 4 acquires the balance of the designated account indicated by the balance request, and stores the balance information indicating the acquired balance as a credit card. It transmits to the system 1 (S402).

  When the credit card system 1 receives the balance information transmitted from the bank system 4 (S305), whether or not the balance of the designated account indicated by the balance information is equal to or more than the usage amount related to the immediately undrawn sales. Is determined (S306). If it is determined that the balance is equal to or greater than the usage amount (YES in S306), the credit card system 1 proceeds to step S308 described later. On the other hand, when it is determined that the balance is not equal to or greater than the usage amount (NO in S306), the credit card system 1 executes a revolving payment switching process for switching the immediate undeducted sales to the revolving payment (S307). Since this revolving payment switching process is the same as a known process, detailed description thereof is omitted. If there are a plurality of immediately undrawn sales, in step S306, the total of the usage amounts of those sales and the balance of the designated account may be compared. You may make it compare with the balance of.

  Next, the credit card system 1 transmits debit amount information indicating the amount that needs to be debited to the bank system 4 (S308). If the revolving payment switching process in step S307 is executed, the debit amount information reflecting the reduction associated with the revolving payment target is transmitted to the bank system 4.

  When the bank system 4 receives the withdrawal amount information transmitted from the credit card system 1 (S403), the bank system 4 transmits reception confirmation information for confirming the reception to the credit card system 1 (S404). When the credit card system 1 receives the reception confirmation information (S309), the billing tightening process ends.

  When the predetermined withdrawal date is reached after the above billing and closing process is executed, the bank system 4 executes a withdrawal process for withdrawing the amount indicated in the withdrawal amount information from the designated account. Thereafter, withdrawal completion information indicating that the withdrawal process has been completed is transmitted from the bank system 4 to the credit card system 1. Receiving this, the credit card system 1 stores “Done” in the withdrawal status field 107 of the sales information relating to the corresponding sales. When the revolving payment switching process in step S307 is executed, the credit card system 1 stores “O” in the revolving payment field 108 of the sales information relating to the sales that is the target.

  By executing the above billing and closing process for all the credit cards, the credit card is normally debited. Thereby, in this embodiment, both immediate withdrawal and normal withdrawal can be realized. In addition, as mentioned above, sales that were initially subject to immediate withdrawal, but have not yet been withdrawn due to insufficient balance, can be subject to normal withdrawal according to the balance of the designated account at that time, Occurrence of a situation in which payment cannot be made can be suppressed by making the payment.

(4) Subsequent immediate withdrawal process In the above-described (2) sales generation process, immediate withdrawal is executed when an execution condition preset by the card member is satisfied. However, some cardholders may wish to withdraw immediately afterwards for the purpose of reducing the credit card usage limit even if they did not wish to withdraw immediately. The post-mortem immediate withdrawal process described below is for realizing such a post-mortem immediate withdrawal process. In the present embodiment, sales that are not subject to immediate withdrawal in the processing at the time of occurrence of sales are subject to normal withdrawal by the above-described (3) billing closing process, and settlement is completed. Therefore, the following post-immediate withdrawal process needs to be performed before the billing tightening process is executed, that is, before the predetermined closing date is reached.

  First, the member terminal device 2 accesses the credit card system 1 in accordance with an instruction from the card member. At the time of this access, the card member authentication process is executed using a card number and a preset password, and the following post-mortem withdrawal process is executed only when the authentication is successful.

  FIG. 7A and FIG. 7B are flowcharts showing the procedure of the post-mortem withdrawal process executed by the credit card system 1, the member terminal device 2, and the bank system 4. As shown in FIG. 7A, the member terminal device 2 transmits an immediate withdrawal request for requesting execution of immediate withdrawal to the credit card system 1 (S501).

  When the credit card system 1 receives the immediate withdrawal request transmitted from the member terminal device 2 (S601), the credit card system 1 extracts the sales information related to the credit card sales related to the immediate withdrawal request from the sales information DB 10A (S602). Next, the credit card system 1 uses the extracted sales information to generate usage details information including the usage date and time, the usage store name, and the usage amount of each sales, and transmits this to the member terminal device 2. (S603).

  When receiving the usage details information transmitted from the credit card system 1 (S502), the member terminal device 2 displays a usage details screen on the display unit based on the received usage details information (S503). FIG. 8 is a diagram showing a screen example of the usage details screen. As shown in FIG. 8, the usage details screen 401 displays a list of usage dates and times, usage store names, and usage amounts for each sales, and a check box is provided for each sales. In addition, the usage statement screen 401 is provided with a button 401a for instructing execution of immediate withdrawal. Of the sales items, those that have already been immediately deducted by the previous processing at the time of the occurrence of sales are indicated with a cross in the check box so that they cannot be selected. The card member uses the input unit of the member terminal device 2 to check a check box of sales desired to be immediately debited, and then presses the button 401a. Thereby, the input of the immediate withdrawal target information indicating the immediate withdrawal target is completed.

  As described above, when the member terminal device 2 receives input of immediate withdrawal target information from the card member (S504), the member terminal apparatus 2 transmits the immediate withdrawal target information to the credit card system 1 (S505). When the credit card system 1 receives the immediate withdrawal target information (S604), the credit card system 1 provides the balance of the designated account to the bank system 4 operated by the bank having the designated account associated with the credit card to be processed. A balance request for requesting the notification is transmitted (S605).

  When the bank system 4 receives the balance request transmitted from the credit card system 1 (S701), the bank system 4 acquires the balance of the designated account indicated by the balance request, and stores the balance information indicating the acquired balance as a credit card. It transmits to the system 1 (S702).

  When the credit card system 1 receives the balance information transmitted from the bank system 4 (S606), the credit card system 1 searches the withdrawal setting information DB 10B using the card number of the credit card to be processed as a key, thereby setting the withdrawal of the credit card. Information is extracted (S607). Next, the credit card system 1 determines the balance of the designated account indicated by the received balance information, the usage amount of the sales subject to immediate deduction indicated in the immediate deduction target information, and the extracted deduction Based on the minimum guarantee balance stored in the minimum guarantee balance field 204 of the setting information, it is determined whether immediate withdrawal is possible (S608). This process is the same as step S105 in the above-described sales occurrence process. If multiple sales are subject to immediate withdrawal, whether or not immediate withdrawal is possible is determined based on the sum of the usage amount of the multiple sales, the balance of the designated account, and the minimum guaranteed balance. The

  If it is determined in step S608 that immediate withdrawal is not possible (NO in S608), the credit card system 1 proceeds to step S612 described later without performing immediate withdrawal. On the other hand, when it is determined that immediate withdrawal is possible (YES in S608), the credit card system 1 transmits a withdrawal request for instructing the immediate withdrawal of the current usage amount to the bank system 4 (S609). .

  When the bank system 4 receives the withdrawal request transmitted from the credit card system 1 (S703), it executes a withdrawal process for withdrawing the usage amount from the designated account (S704). As a result, the withdrawal was made immediately. Then, the bank system 4 transmits withdrawal completion information indicating that the withdrawal process has been completed to the credit card system 1 (S705).

  When the credit card system 1 receives the withdrawal completion information transmitted from the bank system 4 (S610), the credit card system 1 stores “Done” in the withdrawal status field 107 of the sales information relating to the sales that is the current processing target. The sales information is updated (S611). Thereafter, the credit card system 1 transmits processing result information indicating that immediate debiting has been executed to the member terminal device 2 (S612). If it is determined in step S608 that immediate withdrawal is not possible (NO in S608), the credit card system 1 has processing result information indicating that immediate withdrawal could not be executed because the credit card system 1 has insufficient balance. It is transmitted to the device 2 (S612).

  When the member terminal apparatus 2 receives the processing result information transmitted from the credit card system 1 (S506), the member terminal apparatus 2 displays a processing result screen indicating the current processing result on the display unit based on the processing result information (S507). ). This processing result screen includes a message regarding whether or not immediate debiting can be executed. By referring to this processing result screen, the card member can confirm whether or not immediate withdrawal has been performed for the sales selected by the card member.

  With the above after-the-fact immediate withdrawal process, sales that were not eligible for immediate withdrawal when using a credit card will be subject to immediate withdrawal after the claim closing process. Is possible.

  The credit card system of the present invention is useful as a computer system or the like that executes various processes relating to the use of a credit card.

DESCRIPTION OF SYMBOLS 1 Credit card system 10A Sales information database 10B Withdrawal setting information database 2 Member terminal device 3 Merchant terminal device 4 Banking system 100A Communication network 100B Private line 301 1st immediate withdrawal setting screen 302 2nd immediate withdrawal setting screen 303 3rd immediate withdrawal Setting screen 401 Usage details screen

Claims (10)

Balance acquisition means for acquiring a balance of an account of a financial institution associated with the credit card from the system of the financial institution when a credit card is used;
Based on the balance acquired by the balance acquisition means and the usage amount of the credit card, an immediate withdrawal possibility determination means for determining whether or not the usage amount can be withdrawn immediately from the account;
If it is determined that the withdrawal can be made by the immediate withdrawal possibility determination unit, an immediate withdrawal request transmission unit that sends a withdrawal request for the usage amount to the system of the financial institution;
Normal debit request transmission means for transmitting a deduction request for the usage amount to the system of the financial institution when it is determined that the deduction is impossible by the immediate deductibility determination unit and a predetermined closing date has elapsed. And a credit card system. It further comprises a condition acquisition means for acquiring an immediate debit condition for executing an immediate debit from each credit card user,
Whether the immediate withdrawal possibility determination means determines whether or not the immediate withdrawal condition acquired by the condition acquisition means is satisfied, and if it is determined that the result is satisfied, whether or not it is possible to immediately withdraw Configured to determine,
The credit card system according to claim 1. The condition acquisition means is configured to acquire an immediate debit condition including a set amount range set as a range of an amount for which immediate deduction is performed,
Whether the immediate debiting condition is satisfied by determining whether the credit card usage amount to be determined is within a set amount range included in the immediate debiting condition, by the determination unit for determining whether or not the immediate debiting is possible Configured to determine whether or not,
The credit card system according to claim 2. The condition acquisition means is configured to acquire an immediate debit condition including whether or not an immediate debit is determined for each credit card usage field,
By determining whether or not the immediate withdrawal possibility determination unit specifies a usage field of the credit card to be determined, and determining whether or not the identified usage field is an object of immediate withdrawal based on the immediate withdrawal condition, Configured to determine whether the immediate debit conditions are met,
The credit card system according to claim 2 or 3. The condition acquisition means is configured to acquire an immediate debit condition including whether or not an immediate debit is determined according to a credit card usage period;
By determining whether or not the immediate withdrawal possibility determination unit specifies the use date and time of the credit card to be determined, and determining whether or not the specified use date and time is an object of immediate withdrawal based on the immediate withdrawal condition, Configured to determine whether the immediate debit conditions are met,
The credit card system according to any one of claims 2 to 4. The condition acquisition means is configured to acquire an immediate withdrawal condition including a minimum balance of an account of a financial institution associated with a credit card,
The immediate debitability determination means determines whether the balance of the account after deducting the usage amount from the account is less than the minimum balance included in the immediate debit condition, thereby satisfying the immediate debit condition. Configured to determine whether or not
The credit card system according to any one of claims 2 to 5. The condition acquisition means is configured to acquire an immediate withdrawal condition including a non-execution period in which immediate withdrawal is not performed;
The immediate debitability determination unit identifies a use date and time of the credit card to be determined, and determines whether or not the specified use date and time is within a non-execution period of immediate deduction based on the immediate debit conditions. Is configured to determine whether or not the immediate withdrawal condition is satisfied,
The credit card system according to claim 2. A switching means for switching payment of the credit card usage amount to revolving payment when the predetermined withdrawal date is determined when the immediate withdrawal possibility determination means determines that immediate withdrawal is impossible. The credit card system according to any one of 1 to 7. Switchability to determine whether or not to switch to revolving payment based on the acquired balance and the credit card usage amount after acquiring the account balance from the financial institution system when the predetermined closing date has passed. A determination unit;
The switching means is configured to switch the settlement of the usage amount to revolving payment when it is determined by the switchability determination means to switch to revolving payment.
The credit card system according to claim 8. When it is determined that the withdrawal is not possible by the immediate withdrawal allowance judging means, and further comprises an immediate withdrawal request acceptance means for accepting an immediate withdrawal request for the credit card usage amount before the predetermined closing date,
The immediate withdrawal possibility determination unit is configured to determine whether or not it is possible to immediately withdraw the usage amount related to the immediate withdrawal request received by the immediate withdrawal request acceptance unit.
The credit card system according to any one of claims 1 to 9.

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