JP2014211920A - White card credit limit increasing system and operation method of the same - Google Patents

Abstract

PROBLEM TO BE SOLVED: To solve the problem that since the change of the credit limit of a credit card or the like in a conventional technology means the calculation and change of the credit limit based on a use result within a predetermined credit limit, it is not reflected on the credit limit unless a predetermined procedure is taken by minutely notifying a credit card company even when a user receives remittance from others and his or her money in hand is increased from average income calculated when he or she makes the credit card contract.SOLUTION: There is provided a white card credit limit increasing system including a function for managing an amount deposited to a card such that it is acceptable as necessary in order to increase a credit limit by receiving remittance or the like from others. In this system, a money reception ID available only for receiving money is made different from a consumption ID available only for consumption, and both IDs are managed in association with each other so that it is possible to achieve safe money reception and consumption.

Description

The present invention relates to a technique for making it possible to change the usage limit amount of a card used for settlement when purchasing a product, etc., and to make the change safely.

Conventionally, a user can shop without having cash by using a so-called “credit card” that is contracted and issued with a credit sales company. For this credit card, an amount that can be used within a predetermined period (use limit amount) is set at the time of contract according to the user's payment ability, etc., and if it is within the use limit amount, this credit card is presented at the store Or by entering a card number at an online shop.

However, the above-mentioned conventional credit card has a problem that the usage limit amount is fixed to some extent at the time of the contract, so that it is difficult to change the increase of the limit amount or complicated procedures are required. Therefore, Patent Document 1 below discloses a technique for calculating and changing the credit card usage limit amount according to the usage record.

JP 2006-059193 A

However, the change of the usage limit amount in the above-described conventional technique is a calculation change according to the usage record within the predetermined usage limit amount, and there is a problem that the following cases cannot be handled. In other words, even if the user's money has increased beyond the average income at the time of the credit card contract by receiving remittance from another person, it will be It is not reflected in the usage limit. Therefore, it is a problem that the credit card reflecting the increase cannot be used.

In order to solve the above problems, the present invention has a function of managing the receipt of money to the card in a timely manner so that the limit of use can be increased by receiving remittance from others. Provide a system for raising the white card usage limit. Furthermore, in this white card usage limit raising system, the receipt ID that can be used only for receipt and the consumption use ID that can be used for consumption are set as separate IDs, and the two are associated and managed safely. It can receive and consume money.

Specifically, it is a white card usage limit raising system comprising a white card usage limit raising instruction device, a withdrawal command device, and a white card ID management device. The white card usage limit increase instructing device attempts to raise the receipt limit of the white card to be deposited, and the receipt limit acquisition unit for acquiring the receipt ID of the white card to be deposited, and the usage limit of the white card. It is characterized by having a deposit acceptance information acquisition unit that acquires deposit acceptance information that is information indicating that an amount of deposit has been received, and an output unit that outputs the received receipt ID and the deposit receipt information in association with each other. To do.

Further, the withdrawal commanding apparatus receives a receipt acceptance information associated with the receipt ID from the white card usage limit raising instruction apparatus, and a white card receipt ID associated with the received receipt acceptance information. A consumption usage ID acquisition unit that acquires a linked consumption usage ID from the white card ID management device, and a withdrawal command transmission that transmits a withdrawal command that includes a usage limit increase associated with the acquired consumption usage ID And a portion.

In addition, the white card ID management device includes a tied table holding unit that holds a tied table in which the consumption use ID and the received ID are linked, a received ID receiving unit that receives the received ID from the pulling command device, A consumption use ID transmitting unit that acquires the consumption use ID associated with the received receipt ID from the association table and transmits the consumption use ID to the pulling command device.

Further, a white card usage limit raising system having a white card management server device for managing the card usage limit amount so that it can be actually raised and used in accordance with the raising command transmitted from the raising command device is also provided. Then, the white card management server device uses a pull-up command receiving unit that receives a pull-up command from the pull-up command device, and a use limit amount table that is a table that associates consumption use IDs and use limit amounts. A limit amount table holding unit and a use limit amount changing unit that changes the use limit amount associated with the consumption use ID in the use limit amount table in accordance with the received withdrawal command.

Also, for example, in accordance with the law that “if you make a deposit of 100,000 yen or more, you need to authenticate yourself”, the white card usage limit will be raised with an authentication function to confirm the identity of the user who is going to deposit. A system is also provided.

Specifically, in addition to the above-described configuration, the white card usage limit raising system additionally specifies individuals such as licenses, insurance cards, passports, etc., to further identify individuals who are making payments. The personal ID associated with the image information of the document that can be stored and the personal ID holding unit that holds the password for the user specified by the personal ID, and the password and personal ID from the white card usage limit raising instruction device A specific request acquisition unit that acquires a specific request composed of a pair, and determines whether a password / personal ID pair included in the acquired specific request matches a password / personal ID pair stored in the personal ID storage unit If the determination result is a determination result that the determination result is matched, an individual unit that includes a result information return unit that returns result information that is information indicating the determination result. An authentication server device.

And the said pull-up command device is a said personal identification input reception part which receives the input of the pair of a password and personal ID from the user who is going to deposit, and the said personal authentication as a specific request | requirement with the received password and personal ID pair A personal ID transmission unit to be transmitted to the server device, a result information reception unit to receive result information returned from the personal authentication server device in response to the transmitted specific request, and a pull-up command only when the result information is received A pull-up command transmission control unit that enables

Alternatively, another white card usage limit raising system having an authentication function for confirming the identity of the user is also provided. Specifically, in addition to the above-mentioned configuration, the white card usage limit raising system will also specify individuals such as licenses, insurance cards, passports, etc., to identify individuals who will further make payments. A personal ID associated with the image information of a document that can be received and a personal ID holding unit that holds a password for the user specified by the personal ID, and a password / personal ID pair from the white card usage limit raising instruction device A specific request acquisition unit for acquiring a specific request comprising: a determination for determining whether a password and personal ID pair included in the acquired specific request matches a password and personal ID pair stored in the personal ID holding unit; And a result information reply unit that returns result information, which is information indicating that, if the judgment result indicates that the judgment result matches. Further comprising a testament to the server device.

Then, the white card usage limit increase instruction device specifies a personal ID input receiving unit that receives input of a password and personal ID pair from a user who wants to deposit, and specifies a received password and personal ID pair Only when a result is received, a personal ID transmitter that transmits to the personal authentication server device as a request, a result information receiver that receives result information returned from the personal authentication server device in response to the transmitted specific request It has the output part control part which controls an output part so that acquired money_receiving | payment ID and payment receipt information may be linked | related and output, It is characterized by the above-mentioned.

With the present invention having the above-described configuration, it is reflected in real time that the amount of money available at the user's hand has increased by receiving remittance from others, and this is used for payments such as shopping. A card can be provided to the user.

The conceptual diagram for demonstrating an example of the utilization form of the card | curd in the white card usage limit raising system of Example 1 The figure showing an example of the functional block in the white card use limit raising system of Example 1. The figure showing an example of the GUI screen for receipt ID acquisition in the white card usage limit raising system of Example 1 The conceptual diagram showing an example of the pegging table currently hold | maintained at the pegging table holding | maintenance part in the white card usage limit raising system of Example 1. FIG. The figure showing an example of the hardware constitutions in the white card usage limit raising instruction | indication apparatus of the white card usage limit raising system of Example 1. FIG. The figure showing an example of the hardware constitutions in the raising command apparatus of the white card use limit raising system of Example 1. The figure showing an example of the hardware constitutions in the white card ID management apparatus of the white card use limit raising system of Example 1. The flowchart showing an example of the flow of the process in the white card usage limit raising system of Example 1. The figure showing an example of the functional block in the white card usage limit raising system of Example 2. The figure for demonstrating an example of the change process of the usage limit in the white card usage limit raising system of Example 2. FIG. The figure showing an example of the hardware constitutions in the white card management server apparatus of the white card use limit raising system of Example 2 The flowchart showing an example of the flow of processing in the white card usage limit raising system of the second embodiment. The figure showing an example of the functional block in the white card use limit raising system of Example 3 The figure showing an example of the hardware constitutions in the personal authentication server apparatus of the white card use limit raising system of Example 3 The flowchart showing an example of the flow of the process in the white card usage limit raising system of Example 3.

Hereinafter, embodiments of the present invention will be described with reference to the drawings. Note that the present invention is not limited to these embodiments, and can be implemented in various modes without departing from the spirit of the present invention.

In the first embodiment, claims 1 and 5 will be mainly described. In the second embodiment, claims 2 and 6 will be mainly described. In the third embodiment, claims 3, 4, 7, and 8 will be mainly described.

Example 1

<Overview>

FIG. 1 is a conceptual diagram for explaining an example of a card usage form in the white card usage limit raising system of the present embodiment. For example, the user α thought to deposit 10,000 yen to the user β. Therefore, the user α accesses a Web site for using the usage limit reduction service by the present system using his / her mobile terminal or the like. Then, the mobile phone number of the user β as the deposit destination and the deposit amount are input on the screen of the website, and registration processing is performed together with the user ID and password of the user. Then, the server device that manages the Web site generates an authentication code based on the input information and stores and stores it in the database.

Then, as shown in FIG. 1A, when the user α visits a convenience store or the like and actually uses this service, he / she inputs a user ID, a password, etc. and makes a reply request for an authentication code. When the server device authenticates the user as a registered user based on the set of user ID and password, an authentication code stored and held in the database is returned to the user's portable terminal or the like. Then, by causing the storefront terminal (white card usage limit increase instruction device) such as a convenience store to read the authentication code, the mobile phone number and the deposit amount of the user β are input. Then pay the money at the cash register at the convenience store. Then, the store terminal generates deposit acceptance information that is information indicating that the deposit has actually been made, and as shown in FIG. 1B, the receipt of β and a mobile phone for identifying the deposit destination are provided. The information is transmitted to a device (uplifting command device) that outputs a command for associating the telephone number with the card and raising the card usage limit.

Of course, the information transmission to the pull-up instruction device may be transmitted via the third or fourth device, or may be directly transmitted.

Then, as shown in FIG. 1 (c), the withdrawal command device transfers the mobile phone number to the device managed by the system administrator (white card ID management device), for example, and the white card to be credited. Inquire about the consumption usage ID. In the white card ID management device, the ID for depositing a mobile phone number and the ID for consuming and using the card are linked and managed, and the card is consumed in response to the inquiry from the above-mentioned pull-up command device. A usage ID is returned.

As shown in FIG. 1 (d), the withdrawal command device outputs a command for raising the card usage limit to a device such as a credit card company that issues the card, together with the returned consumption use ID. . Then, it is confirmed by the credit sales company that the card identified by the consumption use ID has received “10,000 yen” and the card can be used within the limit increased by 10,000 yen. It can be done.

In this way, by using this system, it is possible to raise the card usage limit in real time according to payments from others. In addition, the ID (cell phone number, etc.) that designates the payment destination when depositing into the card is different from the consumption usage ID when actually paying with the card. Since it is possible to receive money without it, it is possible to safely receive and consume money.

Note that the entity that manages each device in the above description is an example, and may be managed by another entity. For example, the pulling command device and the white card management device may be managed by one entity. For example, for security reasons, there may be a case where one pull-up command device is installed for each institution that issues cards. On the contrary, the white card ID management device may be managed by the service provider in an integrated manner, but one white card ID management device may be installed for each institution that issues cards. Further, for example, a plurality of devices such as a pull-up command device and a white card management device may be realized as one physical device, or conversely, one device is realized by combining a plurality of devices physically. Also good. Further, the mobile phone number and the deposit amount of the user α may be directly input to the white card usage limit increase instruction device without generating an authentication code corresponding to the initial user registration.

<Functional configuration>

FIG. 2 is a diagram illustrating an example of functional blocks in the white card usage limit raising system according to the present embodiment. Note that the functional blocks of each device constituting the system described below can be realized as hardware, software, or both hardware and software. Specifically, if a computer is used, a CPU, a main memory, a bus, or a secondary storage device (a hard disk, a non-volatile memory, a storage medium such as a CD or a DVD, a read drive for the medium, etc.), information Input devices used for input, printing equipment, display devices, other hardware components such as external peripheral devices, interfaces for external peripheral devices, communication interfaces, driver programs for controlling these hardware, Other examples include application programs and user interface applications.

Then, by CPU processing according to the program developed on the main memory, the data input from the input device or other interface and held in the memory or hard disk is processed and stored, An instruction for controlling the software is generated. The present invention can be realized not only as a system but also as a method. A part of the invention can be configured as software. Further, a software product used to cause a computer to execute such software and a recording medium on which the product is fixed are naturally included in the technical scope of the present invention (the same applies throughout the present specification). .

The white card usage limit raising system according to the present embodiment includes a “white card usage limit raising instruction device” (0200), a “lifting command device” (0210), and a “white card ID management device” (0220). ).

(Configuration requirements for white card usage limit increase instruction device)

First, the configuration requirements of the “white card usage limit increase instruction device” will be described. This “white card usage limit increase instruction device” refers to a device that has the following configuration requirements and inputs / outputs information to / from a central processing unit by wired, wireless, or infrastructure connection. For example, a convenience store or service It can be realized by being incorporated in store terminals installed at stations, travel agencies, and other various stores. Alternatively, it can be realized by being incorporated in a personal computer (PC) used by an end user, a mobile terminal such as a mobile phone or a game terminal.

As shown in FIG. 2, the “white card usage limit increase instructing device” (0200) includes a “payment ID acquisition unit” (0201), a “deposit receipt information acquisition unit” (0202), and “output”. Part "(0203).

The “receipt ID acquisition unit” (0201) has a function of acquiring a receipt ID of a white card to be deposited when depositing a white card. The “white card” refers to a card managed by this system, and of course the name is not limited to a white card. Further, the “payment ID” refers to an ID that can be used only for receiving money. However, “available only for receiving money” means that it is used only for receiving money in relation to the white card and not used for consumption. Various uses are made in situations that are not related to the white card. An ID is also included. Therefore, for example, in addition to a dedicated ID issued for receiving money, a mobile / fixed telephone number, an e-mail address, a basic resident register number, and the like are included.

And this receipt ID acquisition part is realizable by information reading apparatuses, such as GUI, another input device, or a barcode reader etc., for example. Specifically, for example, if it is realized at a store terminal of a convenience store as in the above example, a form in which a receipt ID is directly input and acquired via a GUI or the like can be mentioned. In addition, as shown in FIG. 3, the receipt ID input and code-converted by another terminal such as the user's mobile phone is read by the code reader of the storefront terminal, or the information input to the user's mobile terminal is read. The form of receiving by distance radio | wireless communication etc. is also mentioned. In addition, the code may be a converted code including a payment receipt amount in addition to the receipt ID. The generated code including the receipt ID etc. is divided into a plurality of pieces, and the receipt ID acquisition unit is configured to acquire the receipt ID etc. by acquiring the plurality of codes. May be.

Further, as described above, the user terminal itself such as a mobile phone may be a white card usage limit increase instructing device, and in that case, the “receipt ID acquisition unit” of the user terminal is connected via, for example, a GUI or the like. This receipt ID should be input directly.

And since the receipt ID received here is different from the consumption / use ID of the white card described later, a person other than the user of the white card uses the white card for consumption even if he / she knows the receipt ID. I can't. Therefore, in the management of the card in this system, the receipt and consumption can be performed safely.

The “deposit receipt information acquisition unit” (0202) has a function of acquiring deposit acceptance information. “Payment acceptance information” refers to information that the receipt of an amount intended to raise the limit of use of the white card has been accepted. That is, this deposit acceptance information is information indicating that payment has actually been made for deposit. Therefore, it is assumed that the receipt information is generated by a device that accepts payment of actual money, such as a convenience store, a service station, a travel agency, and other stores.

Therefore, for example, when it is confirmed that payment has been made at a storefront terminal or server device such as the store, payment acceptance information is generated accordingly and acquired by the storefront terminal or the like which is a white card usage limit increase instruction device. The Alternatively, if the white card usage limit increase instruction device is a mobile phone or the like, the information generated at the store terminal or the like is transferred to the “payment acceptance information acquisition unit” of the mobile phone by communication or other information reading means. It is acquired.

The “output unit” (0203) has a function of outputting the received receipt ID and the receipt information in association with each other. For example, the output unit transmits the information to the next withdrawal command apparatus via a network or the like. Condition.

(Configuration requirements for pull-up instruction device)

Next, returning to FIG. 2, the configuration requirements of the “pull-up instruction device” will be described. As shown in FIG. 2, the “pickup command device” (0210) includes a “reception unit” (0211), a “consumption use ID acquisition unit” (0212), and a “pullup command transmission unit” (0213). And having.

The “reception unit” (0211) has a function of receiving the deposit acceptance information associated with the receipt ID from the white card usage limit deduction instruction device. For example, the white card usage limit deduction is made via a network or the like. The information is received from the upper instruction device.

The “consumption usage ID acquisition unit” (0212) has a function of acquiring, from the white card ID management device, a consumption usage ID associated with the white card receipt ID associated with the received payment acceptance information. “Consumption use ID” means a consumption use ID that a white card user can use for consumption. Basically, it is confidential information that only a white card user and a system administrator can know. It is assumed that

In this way, only the user knows the receipt ID (for example, mobile phone number: 090-xxx-xxx) that is known to be used for payment by other than the white card user in the white card ID management device. By converting to a consumption use ID (for example, a secret card ID: 0123), it is possible to safely receive and consume with this white card. The details of the conversion process from the receipt ID to the consumption use ID in the white card ID management device will be described in the following explanation of the configuration requirements of the white card ID management device.

The “withdrawal command transmission unit” (0213) has a function of transmitting a withdrawal command including a usage limit increase amount associated with the acquired consumption use ID. Specifically, for example, an instruction such as “raise the 10,000 yen usage limit for the card with the card ID: 0123” is transmitted to a server device of a company that issues and manages a white card. Then, the server apparatus that has received the withdrawal command can manage the white card so that it can be used for shopping or the like by raising the use limit of the white card by 10,000 yen. It should be noted that the “use limit deduction amount” may be the face value received as it is, or may be a face value with a fee subtracted or a face value increased by some kind of privilege.

Note that this withdrawal command device is a device that transmits a withdrawal command as a trigger for actually raising the card usage limit as described above. Therefore, for example, if there is a malicious person in the manager or the like, it is fraudulently (although there is no receipt of receipt ID and receipt information from the white card usage limit increase instruction device) It is also possible to generate and send a pull-up command for the target. Therefore, in the white card usage limit raising system of the present invention, two or more withdrawal command devices may be physically prepared, and each may be managed by different management entities.

That is, in addition to the entity that exclusively manages the first pull-up command device, for example, the second pull-up command device having the above-described configuration is also installed under the authentication code issuing entity as described in the above outline. Keep it. Then, when the authentication code issuing device generates an authentication code in response to user registration as described above and transmits it to a storefront terminal such as a convenience store, it returns a receipt of receipt information in association with the authentication code. Configure to wait. Then, the receipt ID and receipt information from the white card usage limit raising instruction device are output to both the first and second (and third, fourth,...) Withdrawal command devices. By configuring, the withdrawal command device managed separately by two or more entities receives the receipt ID and the receipt information.

Each pull-up command transmission unit is configured to transmit a pull-up command including the ID of the device or the management entity. With this configuration, the white card management server device described later in the second embodiment checks the ID of the received withdrawal command, and if the withdrawal command from both sides is not complete, the usage limit amount discount as described later is performed. That is, no upper processing is performed.

By adopting such a configuration, even if there is a malicious person in one of the management bodies of the pull-up instruction device, it is not easy to act illegally, such as the need to find a collaborator, can do.

(White card ID management device)

Next, the configuration requirements of the “white card ID management device” will be described. As shown in FIG. 2, the “white card ID management device” (0220) includes a “correlation table holding unit” (0221), a “payment ID reception unit” (0222), and a “consumption use ID transmission unit” ( 0223).

The “correlation table holding unit” (0221) has a function of holding a correlation table in which a consumption / use ID and a receipt ID are linked, and can be realized by various storage media such as a hard disk drive.

FIG. 4 is a conceptual diagram showing an example of this association table. As shown in this figure, for example, a mobile phone number “090-xxx-xxxx” is used as a receipt ID, and a consumption use ID “0123” is associated therewith. Alternatively, the consumption use ID “1234” is associated with the e-mail address “α@yyy.ne.jp” that is the receipt ID, or the consumption use ID “5432” is associated with the dedicated ID “USER-001”. , And so on.

In this way, it is possible to safely receive money by designating a mobile phone number without raising the consumption use ID to the sender, and to raise the white card usage limit.

In addition, the consumption / use ID held in the association table is managed by combining two types of fixed ID (card ID used for actual consumption) and variable ID (one-time use-up ID). It may be configured so that the ID used for actual consumption is not notified to the pulling instruction device, and its security may be improved. For example, when the receipt ID is received, a variation ID that is used only once is generated separately from the fixed ID, and the variation ID is transmitted to the withdrawal command device as a consumption use ID. For example, the set of the variable ID and the fixed ID is transmitted to a server device of an issuance manager of a white card that actually manages by raising the usage limit amount in accordance with the withdrawal command.

The “receipt ID receiving unit” (0222) has a function of receiving a receipt ID from the pulling command device, and receives it via a network, for example. In addition, when the white card ID management device and the pull-up command device are physically realized by one device, it is preferable that information is transmitted and received internally via a bus line or the like.

The “consumption use ID transmission unit” (0223) has a function of acquiring the consumption use ID associated with the received receipt ID from the association table and transmitting it to the pulling instruction device. The above table is searched by arithmetic processing, and the corresponding consumption use ID is returned via a network (or an internal bus line) or the like.

As described above, the white card usage limit raising system according to the present embodiment can make payment using a card based on the amount of money temporarily increased by receiving money such as remittance. In addition, it is possible to receive money safely.

In the above-described embodiment, the receipt ID output from the white card usage limit increase instruction device and the output destination of the receipt information are described as an increase command device, but are configured to be transmitted to the white card ID management device. You may do it. In that case, the white card ID management device converts the receipt ID received directly without going through the withdrawal command device into a consumption use ID, and sends it to the withdrawal command device together with the deposit acceptance information. Will do. Thus, in the present invention, each component can be provided on various devices.

<Hardware configuration>

An example of the hardware configuration of each device of this system will be described with reference to FIGS.

(Hardware configuration of white card usage limit increase instruction device)

FIG. 5 is a diagram illustrating an example of a hardware configuration of the white card usage limit increase instructing apparatus of the present system. As shown in this figure, the white card usage limit increase instructing device of this system includes a “CPU (central processing unit)” (0501) for executing various arithmetic processes and a “main memory” (0502). I have. Also, a “code reader” (0503) that is a receipt ID acquisition unit, an “in-store communication circuit” (0504) that is a deposit acceptance information acquisition unit, and an “Internet communication circuit” (0505) that is an output unit are provided. They are connected to each other via a data communication path such as a “system bus” to transmit / receive information and process information.

A program is read out to the “main memory”, and the “CPU” refers to the read out program and executes various arithmetic processes according to the procedure indicated by the program. In addition, a plurality of addresses are assigned to each of the “main memory” and “flash memory”, and in the calculation processing of the “CPU”, the addresses are specified and accessed to store the data. It is possible to perform arithmetic processing using.

The white card usage limit increase instructing device will be described by taking a storefront terminal such as a convenience store as an example, but it is of course not limited thereto.

Here, the user brings the paper printed with the barcode generated by inputting the receipt ID and the deposit amount generated in advance in his / her terminal to this convenience store, and causes the “code reader” to read it. Then, the “CPU” interprets the receipt ID acquisition program, and stores the receipt ID indicated by the barcode read according to the program and the deposit amount at addresses 1 and 2 of the “main memory”. Further, the deposit amount is output via the “in-store communication circuit” so as to be displayed on the screen for the store clerk at the POS register installed at the register.

Then, when the user pays the money indicated by the deposit amount to the clerk at the convenience store, the clerk confirms the deposit amount and the payment amount displayed on the screen, and if the amounts match, for example, an “acknowledge” button on the screen Touch. Then, the deposit acceptance information is generated at the POS cash register, and the white card usage limit deduction instruction device receives it via the “in-store communication circuit” and stores it at address 3 of the “main memory”. Then, the “CPU” interprets the output program, and associates the receipt ID stored at the address 1 of the “main memory” with the deposit acceptance information stored at the address 3 according to the output program. To the pull-up command device.

(Hardware configuration of pull-up command device)

FIG. 6 is a diagram illustrating an example of a hardware configuration of the pull-up command device of the present system. As shown in this figure, the pull-up command device of this system executes various arithmetic processes, and also “CPU (central processing unit)” (0601) which is a consumption / use ID acquisition unit, and “main memory” (0602). ) And. It also includes an “Internet communication circuit” (0603) which is a receiving unit and a pull-up command transmitting unit. They are connected to each other via a data communication path such as a “system bus” to transmit / receive information and process information.

Here, when the receipt ID and the receipt information are received by the “Internet communication circuit”, the “CPU” interprets the received program, and the received receipt ID and the receipt information are received in the “main memory” accordingly. Store at addresses 1 and 2.

Subsequently, the “CPU” interprets the consumption / use ID acquisition program, and accordingly includes a receipt ID from the “Internet communication circuit”, and a return request for the consumption / use ID associated with the receipt ID is described in detail below. Output to the card ID management device. Then, the consumption use ID returned in response to the request is stored at address 3 of “main memory”.

Finally, the “CPU” interprets the withdrawal command transmission program, and accordingly the deposit amount included in the deposit acceptance information stored in the address 2 of the “main memory” and the consumption usage stored in the address 3 A pull-up command is generated in association with the ID. For example, it is transmitted to the server device that issues and manages the white card via the “Internet communication line”.

(Hardware configuration of white card ID management device)

FIG. 7 is a diagram illustrating an example of a hardware configuration of the white card ID management apparatus of the present system. As shown in this figure, the white card ID management device of this system includes a “CPU (central processing unit)” (0701) that executes various arithmetic processes and a “main memory” (0702). Also provided is an “HDD” (0703) which is a linking table holding unit, and an “Internet communication circuit” (0704) which is a receipt ID receiving unit and a consumption / use ID transmitting unit. They are connected to each other via a data communication path such as a “system bus” to transmit / receive information and process information.

Here, when the above-mentioned reply request is received by the “Internet communication circuit”, the “CPU” interprets the receipt ID reception program and sets the receipt ID included in the received request to the address 1 of the “main memory”. Store.

Subsequently, the “CPU” interprets the consumption / use ID transmission program and searches the consumption / use ID using the received ID stored in the address 1 of the “main memory” as a key. Logical operation processing is performed with reference to the associated table. As a result, the consumption use ID associated with the receipt ID is specified in the association table and stored in the address 2 of the “main memory”.

Then, the “CPU” further interprets the consumption use ID transmission program, and in accordance with this, the consumption use ID stored in the address 2 of the “main memory” is transferred to the pull-up instruction device that is the request transmission source as “Internet communication line”. And so on.

<Process flow>

FIG. 8 is a flowchart showing an example of the flow of processing in the white card usage limit raising system of the present embodiment. The steps shown below may be steps executed by each hardware configuration of the computer as described above, or may be processing steps that constitute a program for controlling the computer recorded on a medium. I do not care.

As shown in this figure, first, a receipt ID of a white card to be deposited is acquired by a white card usage limit increase instructing device such as a convenience store store terminal or a user's portable terminal (step S0801). After that, the receipt information indicating that the receipt has been accepted by actual payment or the like is acquired including the receipt amount (step S0802), and the received receipt ID and the receipt information are output in association with each other (step S0803). .

Then, when the deposit instruction information associated with the receipt ID is received from the white card usage limit deduction instruction device at the withdrawal command device (step S0811), the white card receipt associated with the received deposit acceptance information is received. The gold ID is transmitted to the white card ID management device (step S0812).

Then, the white card ID management device receives the receipt ID from the withdrawal command device (step S0821), and acquires the consumption use ID by referring to the association table held in advance (step S0822). Then, the consumption use ID is returned to the pull-up command device (step S0823).

Then, the withdrawal command device acquires the returned consumption use ID (step S0813), and transmits a withdrawal command including the acquired consumption use ID and the usage limit increase amount (step S0814).

<Brief description of effect>

With the white card usage limit raising system of the present embodiment, it is possible to make payment using a card based on the amount of money temporarily increased by receiving money such as remittance. In addition, it is possible to receive money safely.

<< Example 2 >>

<Overview>

This embodiment is based on the above embodiment, and further manages the white card usage limit so that it can be used in accordance with the withdrawal command transmitted from the withdrawal command device. This is a white card usage limit raising system comprising a “white card management server device” which is a server device.

This “white card management server device” has a function of managing a consumption usage ID and its usage limit in association with each other, and changing the usage limit when a withdrawal command is received. Therefore, for example, when a white card is presented at a store or the like and an inquiry about whether or not a card including a consumption use ID is accepted from the store terminal, a determination is made as to whether or not the card whose usage limit has been changed according to the withdrawal order can be used. It can be done.

<Functional configuration>

FIG. 9 is a diagram illustrating an example of functional blocks in the white card usage limit raising system according to the present embodiment. As shown in this figure, the white card usage limit raising system according to the present embodiment is based on the above-described first embodiment, and the “white card usage limit raising instruction device” (0900) and the “uplifting instruction device” ( 0910) and “white card ID management device” (0920). In addition, since the functional block etc. in these apparatuses have been described in the said Example, the description is abbreviate | omitted.

The white card usage limit raising system according to this embodiment further includes a “white card management server device” (0930).

(White card management server device)

As shown in FIG. 9, the “white card management server device” includes a “pickup command receiving unit” (0931), a “use limit table holding unit” (0932), and a “use limit changing unit” ( 0933).

The “pull-up command receiving unit” (0931) has a function of receiving a pull-up command from a pull-up command device, and obtains this pull-up command via, for example, the Internet network.

The “use limit table holding unit” (0932) has a function of holding a use limit table, and can be realized by various storage media such as an HDD. The “use limit table” refers to a table in which the consumption use ID and the use limit are associated with each other. For example, when a card is actually presented at a store or the like, the use limit amount is referred to. That is, it is determined whether or not it can be used. In this embodiment, the use limit is configured to be changeable according to the amount of money received by the following configuration.

The “usage limit changing unit” (0933) has a function of changing the use limit associated with the consumption use ID in the use limit table in accordance with the received withdrawal command.

FIG. 10 is a diagram for explaining an example of the change process of the limit amount. As shown in FIG. 10A, the usage limit associated with the consumption usage ID “0123” is “100,000 yen”. Here, when 10,000 yen is deposited with respect to the white card of ID: 0123 (receipt ID: 090-xxx-xxx), the white card management server device receives a withdrawal instruction to that effect. Then, as shown in FIG. 10B, the usage limit amount associated with the consumption usage ID “0123” is updated to “110,000 yen”.

The white card management server device may be configured to receive information indicating that payment within the limit amount has been executed and raise the limit amount by the amount of payment. By doing so, it becomes possible to appropriately change and manage the use limit amount according to the receipt and use of the card.

Further, as described above, the usage limit amount changing unit may be configured not to perform the processing for changing the usage limit amount unless there is an increase command from two or more increase command devices. Specifically, for example, referring to an ID included in the withdrawal command, it is determined whether a withdrawal command has been received from each of the two or more withdrawal command devices, and the usage limit is changed according to the determination result. That's it.

(Another form of the present embodiment)

The white card usage limit raising system of the present embodiment further has the following configuration, so that the usage limit of the card can be obtained without obtaining the deposit acceptance information (information indicating that the actual money has been deposited). It may be configured such that the user β whose amount is raised can transfer the amount of the increase to another user γ.

Specifically, the “lift command sending history holding unit” that holds the history of the pull command sent so far by the “pull command device” and the usage limit changed by the pull command remain. A “use limit confirmation information obtaining unit” for obtaining confirmation information as to whether or not there is.

Then, for example, the user β directly accesses the withdrawal command device by Web access or the like, and inputs the mobile phone number of the user γ and the transfer amount. Then, the pull-up command device refers to the “pull-up command transmission history holding unit” using the ID of the user β as a key, and determines whether a pull-up command addressed to the user β card has been transmitted so far. If the withdrawal instruction is actually sent to the user β's card, the card usage limit changed by the withdrawal order remains for the transfer amount to the server device of the white card management company. Send a request to check if it exists. Note that the transmission of the confirmation request and the reply of the confirmation response may be realized by diverting a normal credit card usage limit confirmation system or the like.

And when the response that “use limit amount remains for the transfer amount” is acquired by “use limit confirmation information acquisition unit”, it is used to change the use limit amount for user γ instead of payment acceptance information. It is judged that there is actually a deposit (remaining), and a withdrawal command is transmitted. Of course, in this case, it is preferable that the usage limit amount of the user β is reduced so that it cannot be used.

<Hardware configuration>

(Hardware configuration of white card management server)

FIG. 11 is a diagram illustrating an example of a hardware configuration of the white card management server device of the present system. As shown in this figure, the white card management server device of this system executes various arithmetic processes and uses a “CPU (central processing unit)” (1101) which is a limit amount changing unit, and “main memory” ( 1102). In addition, “HDD” (1103) which is a limit amount table holding unit and “Internet communication circuit” (1104) which is a withdrawal command receiving unit are also provided. They are connected to each other via a data communication path such as a “system bus” to transmit / receive information and process information.

Here, when the “Internet communication circuit” receives the pull-up command transmitted from the pull-up command device, the “CPU” interprets the pull-up command receiving program, and the consumption included in the received pull-up command accordingly. The usage ID and the deposit amount are stored in addresses 1 and 2 of the “main memory”.

Subsequently, “CPU” interprets the usage limit change program and refers to the usage limit table held in “HDD” using the consumption usage ID stored at address 1 of “main memory” as a key. Perform logical operation processing. As a result, the usage limit amount associated with the consumption usage ID is specified in the usage limit table and stored in address 3 of “main memory”.

Then, the “CPU” performs a calculation process to add the deposit amount stored at the address 2 of the “main memory” to the usage limit amount stored at the address 3, and calculates the usage limit amount with the face value raised. To do. Then, the new usage limit amount is written in the corresponding record of the usage limit amount table held in “HDD”.

<Process flow>

FIG. 12 is a flowchart showing an example of the processing flow in the white card usage limit raising system of the present embodiment. The steps shown below may be steps executed by each hardware configuration of the computer as described above, or may be processing steps that constitute a program for controlling the computer recorded on a medium. I do not care.

Note that the processing until the pulling command is transmitted from the pulling command device has already been described in FIG.

Then, when the white card management server device receives the withdrawal command including the consumption usage ID and the usage limit discount amount transmitted from the withdrawal command device (step S1231), the consumption included in the received withdrawal command. In accordance with the usage ID, the usage limit amount associated with the consumption usage ID is acquired in the usage limit amount table held in advance (step S1232). Then, the acquired usage limit amount is changed according to the usage limit increase amount included in the increase command (step S1232).

<Brief description of effect>

With the white card usage limit raising system of this embodiment, the card usage limit is managed to be changeable based on the amount temporarily increased due to remittance, etc., and within the changed usage limit range It can be determined whether or not the card can be used.

Example 3

<Overview>

This embodiment is based on the above embodiment, and further includes a function for authenticating a depositor who wants to deposit money into a white card using, for example, a convenience store or his own terminal. It is a money raising system.

For example, according to the law as of September 2009, it is stipulated that when a deposit of 100,000 yen or more is made to another person, the identity of the depositor is authenticated. Therefore, in this embodiment, it is possible to make a deposit of 100,000 yen or more by authenticating the depositor in the system. Regardless of laws and regulations, authenticating the identity of the depositor can also be expected to suppress the use of the fraud and other malicious acts.

Specifically, text information such as an address and name written in a passport photo or passport in advance is registered in the personal authentication server, and a personal ID and password are issued to the registered user in accordance with the registration. When depositing, a pair of a password and a personal ID is input, and authentication is performed depending on whether the pair matches.

<Functional configuration>

FIG. 13 is a diagram illustrating an example of functional blocks in the white card usage limit raising system of the present embodiment. As shown in this figure, the white card usage limit raising system according to the present embodiment is based on the above-described first embodiment and includes a “white card usage limit raising instruction device” (1300) and a “uplifting instruction device” ( 1310) and a “white card ID management device” (1320). Further, on the basis of the second embodiment, a “white card management server device” (not shown) may be provided.

The white card usage limit raising system of the present embodiment further includes a “personal authentication server device” (1330), and a “pickup commanding device” or “white card usage limit raising instruction device” will be described later. It is characterized in that it has each component requirement.

(Personal authentication server device)

As shown in FIG. 13, the “personal authentication server device” (1330) includes a “personal ID holding unit” (1331), a “specific request acquisition unit” (1332), a “determination unit” (1333), A result information reply unit "(1334).

The “personal ID holding unit” (1331) is image information of a document that can specify an individual publicly such as a license, an insurance card, a passport, etc. And a personal ID associated with the character information and a password for the user specified by the personal ID, and can be realized by, for example, an HDD or other storage medium.

Note that acquisition of image information and / or character information held by the personal ID holding unit, issuance of a personal ID and a user password, and the like may be realized by various methods. For example, user registration is requested when using this system, and a copy of a driver's license, insurance card, passport, etc. is sent by FAX at the time of registration. Then, there is a method in which the FAX data is captured as image data, a personal ID and a password are newly generated and returned to the registered user. At that time, the FAX data of the license may be analyzed with an OCR (optical character reader) or the like, and character information such as address information may be registered simultaneously. Alternatively, the user can access the registration server separately on the user terminal, and obtain the information of documents that can be used to identify individuals, such as a passport, as text information via the GUI screen displayed there. The method of doing is also mentioned.

Further, the image data may be directly transmitted from the user's terminal for acquisition, or the personal ID or password arbitrarily input by the user may be registered after the duplication determination process.

In either case, the personal ID and password pair is held as authentication information, and the individual authentication of the depositor is realized by determining matching with the pair information input at the time of depositing. . In addition, this group information is also associated with data such as “image information” and “text information” of documents that can be used to identify individuals, such as licenses, insurance cards, and passports. The image information and text information can also be used for authentication.

Regarding the matching process between the personal ID and password pair held here, the source of the information to be matched may be from either the withdrawal command device or the white card usage limit increase instruction device. . Therefore, hereinafter, the configuration requirements in both patterns will be described together.

The “specific request acquisition unit” (1332) has a function of acquiring a specific request including a password and a personal ID from the withdrawal command device or the white card usage limit increase instruction device. Specifically, for example, a GUI for inputting a personal ID and a password is displayed on a storefront terminal or a user terminal (white card usage limit increase instruction device) at the time of payment, and the personal ID and password entered there are displayed. For example, the set is acquired directly from the white card usage limit increase instruction device or indirectly via the increase command device.

The “determination unit” (1333) has a function of determining whether the password and personal ID pair included in the acquired specific request matches the password and personal ID pair stored in the personal ID storage unit, For example, it can be realized by a CPU, a main memory, a determination program, or the like. In this way, it is possible to determine whether or not the depositor is a registered user and authenticate the user.

Further, the determination process in the determination unit may be determined in consideration of the following information. That is, when acquiring a specific request from a storefront terminal or the like, the personal authentication server device returns image information or character information associated with the personal ID and password included therein to the store clerk system. Then, the store clerk displays the image on the display, and whether or not the actual face of the depositor and the face of the image, or text information such as an address written on a separately filled-in form is identical or similar. Is input to the store terminal. Then, in addition to whether the password / personal ID pair is matched, the input visual confirmation information is taken into account, and the determination for the personal authentication is performed.

The “result information return unit” (1334) has a function of returning result information, which is information indicating that the determination result indicates that the determination result matches. It should be noted that even when the judgment results do not match, the mismatch result information indicating that they do not match may be returned.

Further, the return destination of the result information is the withdrawal command device or the white card usage limit increase instruction device which is the transmission source of the specific information. Then, when the result information is returned to the withdrawal command device, the authentication result is reflected in the deposit possibility by controlling the output of the withdrawal command according to the result information. On the other hand, when the result information is returned to the white card usage limit increase instructing device, the personal authentication result is deposited by controlling the output of the receipt ID and the receipt information received according to the result information. It is reflected in the availability.

(Pull-up instruction device)

As shown in FIG. 13, the “pull-up instruction device” (1310) includes a “personal ID input reception unit” (1311), a “personal ID transmission unit” (1312), and a “result information reception unit” (1313). And “pull-up command transmission control unit” (1314). Note that illustration and description of the constituent elements already described in the above embodiment are omitted.

The “personal ID input accepting unit” (1311) has a function of accepting an input of a pair of a password and a personal ID from a user who wants to make a deposit. And a GUI screen that prompts the user to input a pair of personal ID and the like. If the pull-up command device is not incorporated in the storefront terminal or the user terminal, it is not possible to accept the input of the password and personal ID pair directly from the user. In such a case, the GUI screen or the like is displayed on the storefront terminal or user terminal by the function of the white card usage limit increase instruction device incorporated in the storefront terminal or user terminal, and the entered password and personal It is good to comprise so that the pair with ID may be received indirectly.

Moreover, this personal ID input reception part may have the following functions further. That is, as described above, the current law stipulates that personal authentication is required for deposits of 100,000 yen or more. Therefore, the CPU determines whether the deposit amount entered together with the receipt ID is, for example, 100,000 yen or more by a calculation process of the CPU, and if it is 100,000 yen or more according to the judgment result, the personal ID and It is configured to accept input of a password pair.

The “personal ID transmission unit” (1312) has a function of transmitting the received password / personal ID pair as a specific request to the personal authentication server apparatus.

The “result information receiving unit” (1313) has a function of receiving result information returned from the personal authentication server device in response to the transmitted specific request.

The “pull-up command transmission control unit” (1314) has a function of controlling so that a pull-up command can be transmitted only when result information is received. In this way, personal authentication is performed using a combination (pair) of personal ID and password, or, in some cases, visual confirmation information such as a store clerk using image information, and only when the person is authenticated. A command can be transmitted to execute a deposit process for the white card.

(White card usage limit increase instruction device)

As shown in FIG. 13, the “white card usage limit increase instructing device” (1300) includes a “personal ID input acceptance unit” (1301), a “personal ID transmission unit” (1302), and a “result information reception”. Part "(1303) and" output part control part "(1304). Note that illustration and description of the constituent elements already described in the above embodiment are omitted. In addition, since the functions and the like of the above-mentioned constituent elements with the same name in the pull-up instruction device are the same, description thereof is omitted.

The “output unit control unit” (1304) has a function of controlling the output unit so that the receipt ID acquired only when the result information is received and the receipt information are output in association with each other. Even in this configuration, personal identification is performed using a combination (pair) of personal ID and password, or, in some cases, visual confirmation information such as a store clerk using image information, and only when the person is authenticated. A command can be transmitted to execute a deposit process for the white card.

<Hardware configuration>

(Hardware configuration of personal authentication server device)

FIG. 14 is a diagram illustrating an example of a hardware configuration of the personal authentication server device of the present system. As shown in this figure, the personal authentication server device of the present system executes various arithmetic processes and is a determination unit “CPU (central processing unit)” (1401), “main memory” (1402), It has. In addition, an “HDD” (1403) that is a personal ID holding unit and an “Internet communication circuit” (1404) that is a specific request acquisition unit and a result information return unit are also provided. They are connected to each other via a data communication path such as a “system bus” to transmit / receive information and process information.

Here, when the “Internet communication circuit” receives the pair of personal ID and password transmitted from the withdrawal command device or the white card usage limit increase instruction device, the “CPU” interprets the specific request acquisition program. The pair of personal ID and password included in the specific request received accordingly is stored in addresses 1 and 2 of the “main memory”.

Subsequently, the “CPU” interprets the judgment program and performs a logical operation process by referring to the personal ID and password held in the “HDD” with the personal ID stored in the address 1 of the “main memory” as a key. Do. As a result, the password held in association with the personal ID is specified and stored in address 3 of “main memory”.

In addition, the image information and the character information held in the “HDD” may be acquired in the same manner in association with the personal ID, and may be returned to the store clerk terminal that accepts payment. In that case, the visual authentication information by the visual confirmation of the store clerk using the image information and the character information may be input to the terminal for the store clerk and acquired by the “Internet communication circuit”.

Then, the “CPU” performs a logical operation process to check whether the passwords stored in the addresses 2 and 3 of the “main memory” match, and if they match, the result information indicating that is displayed in the address 4 of the “main memory”. To store. Then, the result information is returned from the “Internet communication circuit” to the withdrawal command device or the white card usage limit increase instruction device.

Then, in the withdrawal command device and the white card usage limit increase instruction device, according to the returned result information, the transmission control of the withdrawal command (lift command device) and the association between the receipt ID and the deposit acceptance information For example, the output is controlled (a white card usage limit increase instruction device).

<Process flow>

FIG. 15 is a flowchart illustrating an example of a process flow in the white card usage limit raising system of the present embodiment. The steps shown below may be steps executed by each hardware configuration of the computer as described above, or may be processing steps that constitute a program for controlling the computer recorded on a medium. I do not care.

Since the processing flow related to the acquisition command transmission from the acquisition of the receipt ID by the white card usage limit increase instruction device to the increase command device has already been described with reference to FIG.

First, the personal authentication server device can specify the individual, such as a license, insurance card, passport, etc., to identify the individual of the user who is going to deposit by requesting user registration, for example. The image information and character information of a simple document are acquired (step S1511). Then, a personal ID and a password for the user specified by the personal ID are generated or acquired in association with the image information, and are associated with each other and recorded in the personal ID holding unit (step S1512).

After that, before or after inputting the receipt ID at the white card usage limit increase instruction device for the user to make a payment, deposit at the withdrawal command device or the white card usage limit increase instruction device An input of a password / personal ID pair is received from the user who wants to perform authentication (step S1501), and the password / personal ID pair is transmitted to the personal authentication server device as a specific request (step S1502).

The personal authentication server device acquires a specific request composed of a pair of a password and a personal ID transmitted from the withdrawal command device or the white card usage limit increase instruction device (step S1513). It is determined whether the included password / personal ID pair matches the password / personal ID pair stored in the personal ID storage unit (step S1514). If the determination result is a match, the result information, which is information indicating that, is returned to the withdrawal command device or the white card usage limit increase instruction device (step S1515).

Then, the pull-up command device can transmit the pull-up command only when the result information is received (step S1503A). Or if it is a white card use limit increase instruction | indication apparatus, an output part will be controlled so that receipt ID acquired only when result information is received, and receipt receipt information may be linked | related and output (step S1503A).

<Brief description of effect>

As described above, in the white card usage limit raising system of this embodiment, the identity of the depositor can be authenticated. Therefore, for example, it is possible to operate in accordance with laws and regulations, and it can be expected to prevent the abuse of fraud.

0200 White card usage limit increase instruction device 0201 Receiving ID acquisition unit 0202 Deposit acceptance information acquisition unit 0203 Output unit 0210 Retrieval command device 0211 Receiving unit 0212 Consumption usage ID acquisition unit 0212 Retraction command transmission unit 0220 White card ID management Device 0221 Association table holding unit 0222 Money receiving ID receiving unit 0223 Consumption use ID transmitting unit

Claims (8)

It is possible to raise the usage limit according to the deposit amount linked to the white card, and there are two types of IDs: a receipt ID that can only be used for receipt and a consumption use ID that can be used for consumption A deposit system for a white card having
A receipt ID acquisition unit for acquiring a receipt ID of a white card to be deposited,
Outputs the receipt acceptance information acquisition unit for obtaining receipt acceptance information, which is information indicating that the receipt of the amount intended to increase the white card usage limit has been accepted, the received receipt ID, and the receipt acceptance information in association with each other. An output unit to
A white card usage limit increase instructing device having:
A receiving unit for receiving payment acceptance information associated with the receipt ID from the white card usage limit increase instruction device;
A consumption use ID acquisition unit for acquiring a consumption use ID associated with the received white card receipt ID associated with the received receipt information from the white card ID management device;
A withdrawal command transmission unit for transmitting a withdrawal command including a usage limit increase associated with the acquired consumption use ID;
A pulling command device having
A tied table holding unit for holding a tied table in which a consumption use ID and a receipt ID are linked;
A receipt ID receiving unit for receiving a receipt ID from the pulling command device;
A consumption use ID transmission unit that obtains a consumption use ID associated with the received receipt ID from the association table and transmits it to the pulling command device;
A white card ID management device,
White card usage limit raising system consisting of A pulling command receiver for receiving a pulling command from the pulling command device;
A usage limit amount table holding unit that holds a usage limit amount table that is a table in which a consumption usage ID and a usage limit amount are associated;
A usage limit change unit that changes the usage limit associated with the consumption usage ID in the usage limit table according to the received withdrawal command;
The white card usage limit raising system according to claim 1, further comprising: a white card management server device having: Personal ID associated with image information and / or text information of documents that can be publicly specified such as licenses, insurance cards, passports, etc. A personal ID holding unit that holds a password for the user specified by the personal ID;
A specific request acquisition unit for acquiring a specific request composed of a pair of a password and a personal ID from the pull-up instruction device;
A determination unit that determines whether a password and personal ID pair included in the acquired specific request matches a password and personal ID pair stored in the personal ID storage unit;
In the case of a determination result that the determination result is matched, a result information reply unit that returns result information that is information indicating that,
A personal authentication server device having
The pulling command device is
A personal ID input receiving unit that receives a pair of a password and a personal ID from a user who wants to deposit;
A personal ID transmission unit that transmits the received password and personal ID pair as a specific request to the personal authentication server device;
A result information receiving unit for receiving result information returned from the personal authentication server device in response to the transmitted specific request;
A pull-up command transmission control unit that enables transmission of a pull-up command only when result information is received;
The white card use limit raising system according to claim 1 or 2. Personal ID associated with image information and / or text information of documents that can be publicly specified such as licenses, insurance cards, passports, etc. A personal ID holding unit that holds a password for the user specified by the personal ID;
A specific request acquisition unit for acquiring a specific request consisting of a password and personal ID from the white card usage limit increase instruction device;
A determination unit that determines whether a password and personal ID pair included in the acquired specific request matches a password and personal ID pair stored in the personal ID storage unit;
In the case of a determination result that the determination result is matched, a result information reply unit that returns result information that is information indicating that,
A personal authentication server device having
White card usage limit increase instruction device
A personal ID input receiving unit that receives a pair of a password and a personal ID from a user who wants to deposit;
A personal ID transmission unit that transmits the received password and personal ID pair as a specific request to the personal authentication server device;
A result information receiving unit for receiving result information returned from the personal authentication server device in response to the transmitted specific request;
An output unit control unit that controls the output unit so as to associate and output the receipt ID acquired only when the result information is received and the receipt information;
The white card use limit raising system according to claim 1 or 2. It is possible to raise the usage limit according to the deposit amount linked to the white card, and there are two types of IDs: a receipt ID that can only be used for receipt and a consumption use ID that can be used for consumption A payment system for the white card
An operating method of a deposit system comprising a white card usage limit increase instruction device, a withdrawal command device, and a white card ID management device,
White card usage limit increase instruction device
A receipt ID acquisition step of acquiring a receipt ID of a white card to be deposited when depositing a white card;
A receipt receipt information acquisition step for obtaining receipt acceptance information, which is information indicating that the amount of money to be used to increase the limit of use of the white card has been accepted, the received receipt ID, and the receipt acceptance information are output in association with each other. An output step to
To the computer,
The pulling command device
A reception step of receiving payment acceptance information associated with the receipt ID from the white card usage limit increase instruction device;
A consumption use ID acquisition step for acquiring a consumption use ID associated with the white card receipt ID associated with the received payment acceptance information from the white card ID management device;
A withdrawal command transmission step of transmitting a withdrawal command including a usage limit increase amount associated with the acquired consumption use ID;
To the computer,
The white card ID management device
In addition to having a tied table holding unit that holds a tied table in which the consumption use ID and the receipt ID are linked,
A receipt ID receiving step for receiving a receipt ID from the pulling command device;
A consumption use ID transmission step of acquiring a consumption use ID associated with the received receipt ID from the association table and transmitting it to the pulling command device;
To run the computer,
How the white card usage limit increase system works. An operating method of a white card usage limit raising system further comprising a white card management server device,
The white card management server device
A usage limit amount table holding unit for holding a usage limit amount table that is a table in which a consumption usage ID and a usage limit amount are associated;
A pull command receiving step for receiving a pull command from the pull command device;
A usage limit change step for changing the usage limit associated with the consumption usage ID in the usage limit table according to the received withdrawal order;
The method for operating the white card usage limit raising system according to claim 5, wherein the computer executes the processing. A method of operating a white card usage limit raising system further comprising a personal authentication server device,
The personal authentication server device
Personal ID associated with image information and / or text information of documents that can be used to identify individuals such as licenses, insurance cards, passports, etc. In addition to having a personal ID holding unit that holds the password for the user specified by the personal ID,
A specific request acquisition step of acquiring a specific request comprising a pair of a password and a personal ID from the pulling command device;
A determination step of determining whether a password / personal ID pair included in the acquired specific request matches a password / personal ID pair held in the personal ID holding unit;
If the determination result is a match, the result information return step of returning result information, which is information indicating that,
To the computer,
The pulling command device is
A personal ID input accepting step for accepting an input of a pair of a password and a personal ID from a user who wants to deposit;
A personal ID transmission step of transmitting the received password and personal ID pair as a specific request to the personal authentication server device;
A result information receiving step for receiving result information returned from the personal authentication server device in response to the transmitted specific request;
A pull-up command transmission control step that enables transmission of a pull-up command only when result information is received;
The method of operating a white card usage limit raising system according to claim 5 or 6, further causing the computer to execute the following. A method of operating a white card usage limit raising system further comprising a personal authentication server device,
The personal authentication server device
Personal ID associated with image information and / or text information of documents that can be used to identify individuals such as licenses, insurance cards, passports, etc. In addition to having a personal ID holding unit that holds the password for the user specified by the personal ID,
A specific request acquisition step of acquiring a specific request comprising a pair of a password and a personal ID from the white card usage limit increase instruction device;
A determination step of determining whether a password / personal ID pair included in the acquired specific request matches a password / personal ID pair held in the personal ID holding unit;
If the determination result is a match, the result information return step of returning result information, which is information indicating that,
To the computer,
The white card usage limit increase instructing device is:
A personal ID input accepting step for accepting an input of a pair of a password and a personal ID from a user who wants to deposit;
A personal ID transmission step of transmitting the received password and personal ID pair as a specific request to the personal authentication server device;
A result information receiving step for receiving result information returned from the personal authentication server device in response to the transmitted specific request;
An output unit control step for controlling the output step so as to associate and output the receipt ID acquired only when the result information is received and the receipt information;
The method of operating a white card usage limit raising system according to claim 5 or 6, further causing the computer to execute the following.

Images