JP2018185550A - Reverse entries execution apparatus, provider system, reverse entries execution method, and reverse entries execution program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a reverse entries execution apparatus, a provider system, a reverse entries execution method, and a reverse entries execution program for executing reverse entries while flexibly coping with differences in handling by each credit card company to a plurality of affiliated stores.SOLUTION: A reverse entries execution device 102 comprises: an information management section 105 for storing, in association with an identifier of an acquired credit card (hereinafter, abbreviated as a card), a pair of an identifier of a store that continues to charge the acquired card and an identifier of a card company of a charging destination in use information storing means; a requesting section 104 for creating first reverse entries data including the identifier of the store and the identifier of the card if the unit of the reverse entries execution defined for the card company of the charging destination of the store is a store, creating second reverse entries data including a display of a predetermined representative store and the identifier of the card if the unit of the reverse entries execution is a representative store, and transmitting the data to the card company of the charging destination; and a result reflecting section 103 for registering invalidity in the use information storing means when invalidity of the card is returned to the reverse entries data.SELECTED DRAWING: Figure 1

Description

  The present invention relates to a replacement execution apparatus, a business operator system, a replacement execution method, and a replacement execution program, in particular, a replacement execution apparatus that updates information on whether or not a credit card used for continuous charging is used. About.

  Merchant stores and payment service providers that provide credit card payments have built and operate information processing systems for credit card payments. Such an information processing system performs, at any time, a replacement process for acquiring, for each member store, credit card update information including the availability of a credit card used for continuous billing from a credit card company.

  Patent document 1 is disclosing the system which performs the replacement process of such a credit card. This system has a function to hold card validity information as credit card information, a function to perform a refurbishment process to a credit card company, a function to acquire and hold use availability information from other than the issuing credit card company, and credit It has a function to act as a proxy for determining whether a card can be used. The merchant performs the replacement process by introducing this system.

JP 2006-293503 A

  A payment agency may manage a plurality of member stores that provide payment by credit card. Such a payment agent business operator performs a case where the credit card company of the replacement destination performs the cleaning at the member store unit, and a case where the payment agent operator performs the replacement using the payment agent carrier as a representative member store. There is. The reason why the exchange is performed in such different units is that there is a difference in the system, contract, and regulations of the exchange destination credit card company regarding the handling of the credit card to be exchanged.

  In order to cope with the difference in the above-mentioned washing process, the information processing system of the payment agency is complicated and difficult to manage. Therefore, the information processing system of the payment agency is representative of the payment agency. We do not carry out refurbishment as a member store, but do a refurbishment process for each member store.

  The system disclosed in Patent Document 1 does not take into account the difference between the exchange for a plurality of member stores and the handling of each credit card company, and does not solve this problem.

  The present invention relates to a change execution device, a business operator system, a change execution method, and a change execution program for a plurality of member stores that can execute a change corresponding to the difference in handling for each credit card company. The purpose is to provide.

  According to one embodiment of the present invention, the re-execution execution apparatus relates to an identifier of an acquired credit card (hereinafter abbreviated as “card”), an identifier of a store that continuously charges the acquired card, and an identifier of a card company that is charged Information management means for storing the pair of information in the usage information storage means, and if the unit of refining execution defined for the card company at the billing destination of the store is 1) the store, the store identifier And the first replacement data including the card identifier, and 2) if the representative store, the second replacement data including the predetermined representative store display and the card identifier is generated. Request means for transmitting to the card company at the billing destination, and a result reflecting means for registering the invalidity in the usage information storage means when the invalidity of the card is returned to the replacement data. Prepare

  According to the method for carrying out the replacement of an embodiment of the present invention, the identifier of a store that continuously charges the acquired card and the identifier of the card company that is the charging destination are associated with the identifier of the acquired credit card (hereinafter abbreviated as “card”). In the usage information storage means, and if the unit of refining defined for the card company of the billing destination of the store is 1) the store, the store identifier and the card The first replacement data including an identifier is created. 2) If the store is a representative store, the second replacement data including a predetermined display of the representative store and the card identifier is generated, and the billing is performed. When it is transmitted to the previous card company and invalidity of the card is returned to the replacement data, the invalidity is registered in the usage information storage means.

  The renewal execution program according to one embodiment of the present invention relates to an identifier of an acquired credit card (hereinafter abbreviated as “card”), an identifier of a store that continuously charges the acquired card, and an identifier of a card company that is a charging destination. If the unit of information management processing for storing the pair in the usage information storage means and the exchange execution unit defined for the card company of the billing destination of the store is 1) the store, the store identifier And the first replacement data including the card identifier, and 2) if the representative store, the second replacement data including the predetermined representative store display and the card identifier is generated. Request processing to be transmitted to the card company of the billing destination, and result reflection processing for registering the invalidity in the usage information storage means when invalidity of the card is returned to the replacement data. To be executed by a computer.

  The cleaning execution apparatus according to the present invention can perform cleaning that flexibly copes with differences in handling for each credit card company for a plurality of member stores.

FIG. 1 is a diagram showing a configuration of a business operator system 100 according to the present embodiment. FIG. 2 is a flowchart showing an operation outline of the business operator system 100. FIG. 3 is a diagram showing the structure of information stored in the member store information storage device 130. FIG. 4 is a diagram showing the structure of information stored in the credit card information storage device 140. FIG. 5 is a diagram showing the structure of information stored in the usage information storage device 150. FIG. 6 is a flowchart showing a flow of processing for registering credit card information in the usage information storage device 150. FIG. 7 shows information stored in the member store replacement information storage device 160. FIG. 8 is a diagram showing rules for distributing member store of credit card information by the request unit 104. FIG. 9 shows a specific example of information stored in the usage information storage device 150. FIG. 10 is a configuration diagram of the computer apparatus 600. FIG. 11 shows a configuration of the replacement execution apparatus 102 according to the second embodiment of the present invention.

<First embodiment>
<Configuration>
FIG. 1 is a diagram showing a configuration of a business operator system 100 according to the present embodiment. The carrier system 100 is a system used by a payment agent, and a member store terminal 400 that is a terminal device of a member store that continuously charges a credit card, and a credit card that is a terminal device of a credit card company that is continuously charged. It is connected to the card company terminal 300. The business operator system 100 is connected to the credit card company terminal 300 via a switching center 200 that relays communication.

  The business operator system 100 includes a replacement execution device 102 that performs credit card replacement, a settlement device 101 that continuously charges a credit card, and a usage information storage device 150 that holds credit card usage information. . The usage information storage device 150 is connected to both the renewal execution device 102 and the settlement device 101. The renewal execution device 102 maintains and manages information in the usage information storage device 150, and the settlement device 101 performs continuous billing based on the information in the usage information storage device 150.

  The exchange execution device 102 includes a result reflection unit 103, a request unit 104, an information management unit 105, a member store information storage device 130, a credit card company information storage device 140, and a member store replacement information storage device 160.

  The member store information storage device 130 holds information of a credit card company contracted with the member store for each member store. The credit card company information storage device 140 holds information relating to replacement data for each credit card company. The member store replacement information storage device 160 temporarily stores member store replacement information. The replacement data is data including a credit card number to be charged and an identifier of the member store to be charged.

  The information management unit 105 performs maintenance management of information stored in the usage information storage device 150, the member store information storage device 130, and the credit card company information storage device 140. The request unit 104 creates replacement data based on the information in the usage information storage device 150 and transmits it to the credit card company terminal 300 via the switching center 200. The transmission of the replacement data is a request for replacement. The result reflection unit 103 reflects the result of the replacement received from the credit card company terminal 300 in the information in the usage information storage device 150.

<Functions of each part>
The information management unit 105 holds, in the usage information storage device 150, credit card information used by the payment apparatus 101 in the continuous billing service. When there is a new credit card usage for continuous billing, the information management unit 105 registers this data in the usage information storage device 150 and holds the credit card information that is the member store to be used and the billing destination for sales. Here, the credit card information includes an identifier such as a credit card number. When the same credit card has already been registered, the information management unit 105 adds the member store to be used and the replacement destination credit card information.

  When there is an increase or decrease in member stores or a contract change with a credit card company, the information management unit 105 updates all relevant information in the usage information storage device 150 and reconstructs the management information.

  Further, the information management unit 105 stores and manages the credit card company contracted for each member store in the member store information storage device 130. The information management unit 105 also stores and manages in the member store information storage device 130 credit card company information for each card brand as a billing destination when using a credit card issued by an unsigned credit card company at the member store. . The credit card company information includes an identifier such as the name of the credit card company. When the credit card information to be replaced is registered in the usage information storage device 150, the information management unit 105 acquires replacement credit card information from the member store information registered in the member store information storage device 130 in advance. And register together.

  In addition, the information management unit 105 holds and manages the unit for executing the replacement in the credit card company information storage device 140 for each credit card company contracted with the business operator. The information management unit 105 acquires the replacement unit information 141 registered in advance in the credit card company information storage device 140 when registering the credit card information to be replaced in the usage information storage device 150. sign up.

  The request unit 104 extracts the replacement target credit card of each member store from the usage information storage device 150 and stores it in the member store replacement information storage device 160. Thereafter, the request unit 104 creates replacement data based on the information and transmits it to the credit card company terminal 300 via the switching center 200.

  The result reflection unit 103 takes in the update information of the credit card and the validity information of the credit card acquired as a result of the replacement from the credit card company terminal 300 of the replacement destination via the switching center 200 into the usage information storage device 150. .

  Here, the result reflection unit 103, the request unit 104, and the information management unit 105 are configured by logic circuits. The member store information storage device 130, the credit card company information storage device 140, the usage information storage device 150, and the member store replacement information storage device 160 are configured by a storage device such as a semiconductor memory or a magnetic disk device.

  Note that the cleaning execution device 102 may be realized by the computer device 600. FIG. 10 is a configuration diagram of the computer apparatus 600. The computer device 600 includes a processor 610, a main storage unit 630, and an external storage device 620 that are connected to each other via a bus 640. The processor 610 reads / writes data from / to the main storage unit 630 and the external storage device 620 via the bus 640. Further, the processor 610 executes a program 650 stored in the main storage unit 630. Note that the program 650 is initially stored in the external storage device 620, and the processor 610 may load the external storage device 620 from the external storage device 620 to the main storage unit 630 when the computer device 600 is initially set.

  Here, the main storage unit 630 is a semiconductor memory device. The external storage device 620 is a storage device such as a disk device or a semiconductor storage device.

  The processor 610 functions as, for example, the result reflection unit 103, the request unit 104, and the information management unit 105 by executing the program 650. That is, by executing the program 650, the processor 610 executes, for example, processing performed by the result reflection unit 103, the request unit 104, and the information management unit 105. The main storage unit 630 or the external storage device 620 functions as the member store information storage device 130, the credit card company information storage device 140, the usage information storage device 150, and the member store replacement information storage device 160.

  Note that the “apparatus” and “unit” described above are not necessarily configured by a single piece of hardware. The “device” and “unit” may be configured by connecting a plurality of devices.

<Operation>
<Overall operation>
FIG. 2 is a flowchart showing an operation outline of the business operator system 100. Hereinafter, the overall operation of the business operator system 100 will be described with reference to the flowcharts of FIGS. 1 and 2. In the following description, the method for holding credit card information is not specified, but it is only necessary to store and manage the data as tokens using, for example, encrypted data using various encryption techniques or a tokenization function.

  The settlement apparatus 101 and the renewal execution apparatus 102 of the business entity system 100 manage a plurality of member store terminals 400 of member stores that use credit cards. The settlement apparatus 101 performs credit business and billing business in credit card settlement on behalf of a member store. The replacement execution apparatus 102 performs a replacement operation.

  The information management unit 105 of the switching execution apparatus 102 receives, from the member store terminal 400, for example, information on member stores that perform continuous billing using a credit card among member stores that are affiliated with the service of the operator, Register in advance in the member store information storage device 130 (step 1 in FIG. 2). Further, the information management unit 105 receives the replacement unit information 141 and the billing necessity information of the credit card company contracted with the business operator from the credit card company terminal 300, for example, and stores them in the credit card company information storage device 140. Register in advance (step 2 in FIG. 2).

  When registration information for continuous billing is input from the member store terminal 400, the information management unit 105 registers the credit card to be replaced in the usage information storage device 150. At that time, the information management unit 105 obtains information on the member store to be used and the credit card company to be replaced from the member store information storage device 130 and the credit card company information storage device 140, and also uses the information storage device 150. (Step 3 in FIG. 2).

  The request unit 104 of the switching execution device 102 creates switching data for the switching request in the transmission format of the switching center 200 when the credit card is switched, for example, at a predetermined time on the settlement date of each month. (Step 4 in FIG. 2). Subsequently, the request unit 104 sends the created replacement data to the credit card company terminal 300 of the credit card company and requests the replacement (step 5 in FIG. 2).

  The credit card company terminal 300 receives the replacement data, determines the validity of each credit card, and returns a determination result and update information to the business operator system 100 (step 6 in FIG. 2).

  The result reflection unit 103 of the exchange execution device 102 receives the exchange result transmitted by the credit card company terminal 300, and registers the credit card validity determination result and the update information in the usage information storage device 150 (FIG. 2). Step 7).

  The settlement apparatus 101 acquires the updated credit card information from the usage information storage device 150 at the timing of performing the billing service for the continuous billing, for example, a predetermined time on the settlement date of each month, and performs the billing service to the credit card company. Perform (step 8 in FIG. 2).

  All transmissions between the operator system 100 and the credit card company terminal 300 are performed via the switching center 200.

<Information stored in member store information storage device 130>
FIG. 3 is a diagram showing the structure of information stored in the member store information storage device 130. The member store information storage device 130 is associated with each member store, contract credit card company information 131 contracted by the member store, representative manager credit card company information 132 which is credit card company information treated as a representative manager company, and The replacement execution information 133 is stored.

  The contract credit card company information 131 includes a contract list that stores identifiers and the like of all credit card companies with which the associated member store contracts.

  The representative secretary credit card company information 132 includes a representative secretary list that stores an identifier of the representative secretary credit card company in association with the credit card brand. Here, the credit card brand is, for example, VISA (registered trademark) or MasterCard. The representative secretary credit card company is the credit card to be billed instead of company A when there is no contract between the credit card company (for example, company A) that issues the credit card used for continuous billing and the merchant. It is a company. The information management unit 105 identifies a representative secretary credit card company based on a credit card brand used for continuous billing. The credit card company registered in the representative secretary credit card company information 132 is a credit card company existing in the contract credit card company information 131.

  The replacement execution information 133 holds information for specifying a member store included in the replacement data.

  Upon receiving the contract change information with the member store's credit card company from the member store terminal 400, the information management unit 105 of the switching execution device 102 is associated with the member store stored in the member store information storage device 130. Add or delete a credit card company.

<Information stored in credit card company information storage device 140>
FIG. 4 is a diagram showing the structure of information stored in the credit card company information storage device 140. The credit card company information storage device 140 stores information on the credit card company in association with each credit card company registered in the member store information storage device 130. Here, the credit card company information includes replacement unit information 141 that determines a unit for generating replacement data to be transmitted to the credit card company, replacement data creation information 142, and credit card issued by the credit card company. Card number band information 143 is included.

  The exchange unit information 141 holds classification information indicating whether the credit card to be exchanged is exchanged for each member store or whether the operator is a representative member store. The replacement data creation information 142 holds information for specifying a credit card company included in the replacement data. The card number band information 143 stores specific information of a credit card issued by the credit card company, for example, a credit card number band.

  When the information management unit 105 of the exchange execution device 102 receives the update information of the credit card company from the credit card company terminal 300, the information management unit 105 displays the information associated with the credit company stored in the credit card company information storage device 140. Update.

<Information Stored in Usage Information Storage Device 150 and its Registration Process>
FIG. 5 is a diagram showing the structure of information stored in the usage information storage device 150. The usage information storage device 150 stores issuer replacement information 152, representative member store use information 153, sales billing member store information 154, and validity result information 55 in association with the credit card information 151 to be replaced. To do.

  The credit card information 151 holds information on the credit card number and expiration date of the credit card to be continuously charged. The issuer renewal information 152 holds information for determining whether or not the renewal destination credit card company is the issuer of the associated credit card. Specifically, the issuer renewal information 152 stores the credit card company information when the sales billing credit card company has issued an associated credit card, otherwise “no registration” Possess data.

  The representative member store use information 153 holds information for determining the unit for creating the replacement data. Specifically, the representative member store usage information 153 includes the credit card company information in the case where a renewal request is made to the credit card company to which the associated credit card sales are billed as the representative member store. Possess. When the replacement is performed in units of individual member stores, the representative member store use information 153 has data indicating “no registration”.

  The sales billing member store information 154 holds credit card company information that is a credit card billing destination for each member store that requires a replacement operation. For member stores that are not charged by the target credit card, the sales request member store information 154 holds data indicating “no registration”.

  The validity result information 155 holds the validity information of the credit card obtained as the replacement result and the credit card information before reflecting the replacement result.

  FIG. 6 is a flowchart showing a flow of processing for registering credit card information in the usage information storage device 150.

  When a new contract for continuous billing using a credit card is established at a member store, the information is transmitted from the member store terminal 400 to the cleaning execution device 102. In response to this, the cleaning execution device 102 starts a process of registering new credit card information for the member store in the usage information storage device 150 (step S1).

  First, the information management unit 105 confirms whether the registration target credit card has been registered in the usage information storage device 150 (step S2). In the case of an unregistered credit card (“unregistered” in step S2), the information management unit 105 registers a credit card number and an expiration date as the credit card information 151 in the usage information storage device 150 (step S3).

  Subsequently, the information management unit 105 registers the credit card company information as the billing destination for the target member store included in the sales billing member store information 154 (step S4). The information management unit 105 specifies the credit card company information to be billed from the contract credit card company information 131 and the representative secretary credit card company information 132 held in the member store information storage device 130. This specification is performed by the following procedure.

  1) First, it is determined whether or not the credit card company that issued the credit card is registered in the contract credit card company information 131 from the number of the newly registered credit card to be registered. For this reason, the information management unit 105 accesses the card number band information 143 stored in the credit card company information storage device 140 corresponding to the credit card company included in the contract credit card company information 131. Then, the information management unit 105 determines whether the newly contracted credit card number falls within the range of the card number band information 143 of any contracted credit card company.

  2) If the newly contracted credit card number is within the range of the card number band information 143 of any contracted credit card company, the contracted credit card company issues the credit card issuing credit card. Judge that it is a company. Then, the information management unit 105 registers the issuer credit card company as the billing credit card company in the sales billing member store information 154.

  3) If the newly contracted credit card number is not within the range of the card number band information 143 of any contracted credit card company, the information management unit 105 determines the credit card brand from the credit card number. Determine. Here, it is assumed that a part of the credit card number is a brand specific code. Then, the information management unit 105 registers the representative secretary credit card company associated with the brand and stored in the representative secretary credit card company information 132 in the sales billing member store information 154 as a billing credit card company.

  If the credit card company that issued the newly signed credit card is not the contracted credit card company of the contracted member store, the representative secretary card company accepts the credit card request on behalf of the card company that issued the credit card. . However, the credit card that the representative secretary card company can handle is only a card of the same card brand as the credit card handled by the representative secretary credit card company. Reflecting this situation, the information management unit 105 performs the process as described in 3) above.

  When the billing credit card company registered in the sales billing member store information 154 is an issuer credit card company (“issuer” in step S5), the information management unit 105 identifies the credit card company as the issuer renewal information 152. (Step S6).

  The information management unit 105 confirms the replacement unit of the credit card company registered in the sales request member store information 154 with reference to the replacement unit information 141 of the credit card company information storage device 140 (step S7). If the replacement unit information 141 is a member store unit (“member store” in step S7), the information management unit 105 ends the registration process (step S11).

  When the replacement unit information 141 is a business operator (“business” in step S7), the information management unit 105 further checks whether the representative member store usage information 153 has already been registered (step S8). If it has already been registered (“registered” in step S8) and the billing credit card company is not the issuer of the credit card being processed (“other than issuer” in step S9), the information management unit 105 performs the registration process. Is finished (step S11). If it is an issuer (“issuer” in step S9), the information management unit 105 registers the credit card company information registered in the sales request member store information 154 in the representative member store use information 153, and ends the registration process. (Steps S10 and S11). Even when the originating representative member store use information 153 is unregistered (“unregistered” in step S8), the information management unit 105 uses the credit card company information registered in the sales request member store information 154 as the representative member store use information 153. To complete the registration process (steps S10 and S11).

<Information Stored in Membership-Based Replacement Information Storage Device 160>
FIG. 7 shows information stored in the member store replacement information storage device 160. The franchisee-specific refurbishment information storage device 160 stores the reimbursement target credit card information 161 in association with each franchisee. The exchange target credit card information 161 holds the credit card number of the billing destination credit card, the expiration date, and the exchange destination credit card company information. Representative member stores that are businesses are one of the member stores.

  In addition, the display of the representative member store used by the credit card information 161 for exchange is defined for each exchange credit card company or for each business operator. This display only needs to be able to be distinguished from the representative member store display by the credit card company of the exchange destination.

<Creation and transmission of replacement data>
In creating the replacement data, the request unit 104 first generates the target credit card information 161 from the credit card information registered in the usage information storage device 150 and distributes it to the member store or the representative member store. The information is registered in the member store-specific replacement information storage device 160. FIG. 8 is a diagram showing rules for distributing member store of credit card information by the request unit 104. In the following description, the credit card company information registered in the issuer replacement information 152 is referred to as registration information A, and the credit card company information registered in the representative member store use information 153 is referred to as registration information B. There is.

  The request unit 104 performs the following pattern division on each line of the information of FIG. 5 registered in the usage information storage device 150, and distributes the information in the line to the member store or the representative member store.

1) Pattern 1 (registration information A and B are the same)
The request unit 104 confirms whether or not the registration information A and B are registered. If both the registration information A and B are registered and the credit card companies registered in both are the same, the request unit 104 registers the credit card information 161 to be replaced in association with the representative member store. The replacement credit card company registered in the replacement target credit card information 161 is registration information A. At this time, for other billing destination credit card companies that have been registered in the sales billing member store information 154 in association with the credit card, the credit card information 161 to be exchanged for the credit card and the exchange data are not created.

2) Pattern 1 (registration information A and B are not the same)
If both registration information A and B are registered, but the registered credit card companies are not the same, the request unit 104 has the same credit card company as the registration information A registered in the sales request member store information 154. The credit card information 161 to be replaced is registered in association with all member stores. The replacement credit card company registered in the replacement target credit card information 161 is registration information A. For other billing destination credit card companies associated with the credit card and registered in the sales billing member store information 154, the credit card information 161 to be exchanged for the credit card and the exchange data are not created.

Pattern 2
When the registration information A is not registered and the registration information B is registered, the request unit 104 registers the exchangeable credit card information 161 in association with the representative member store. The replacement credit card company registered in the replacement target credit card information 161 is registration information B. For other billing destination credit card companies associated with the credit card and registered in the sales billing member store information 154, the credit card information 161 to be exchanged for the credit card and the exchange data are not created.

Pattern 3
When the registration information B is not registered and the registration information A is registered, the request unit 104 associates with all the member stores in which the same credit card company as the registration information A is registered in the sales request member store information 154, The credit card information 161 for exchange is registered. The replacement credit card company registered in the replacement target credit card information 161 is registration information A. For other billing destination credit card companies associated with the credit card and registered in the sales billing member store information 154, the credit card information 161 to be exchanged for the credit card and the exchange data are not created.

Pattern 4
When the registration information A and B are not registered, the request unit 104 registers all the member store replacement target credit card information 161 in which the billing credit card company information is registered in the sales billing member store information 154. . The replacement credit card company registered in the replacement target credit card information 161 is billing destination credit card company information registered in each member store.

The request unit 104 generates the franchise-specific exchange information storage device 160 for each exchange, and deletes it when the creation of the exchange data is completed. The replacement process is not performed, and it is not necessary to determine whether or not the replacement is possible depending on whether or not each credit card company is charged.

  As a result of the flowchart of FIG. 6 and the distribution rule of FIG. 8, the credit card replacement destination credit card company and the replacement execution unit are determined with the following priorities.

  (1) If there is an issuing credit card company at the billing destination of the credit card, the credit card company becomes the replacement destination. The replacement unit is determined based on the designation of the credit card company.

  (2) If there is a credit card billing party with a credit company that can be represented by a representative member store at another company (representative secretary card company), the credit card company becomes the replacement destination. The replacement unit is the representative member store.

  (3) If there is no other company (representative secretary card company) that can be used as a representative member store as the credit card billing destination, all credit card companies registered as billing destinations are Become. The replacement unit is a member store.

  (4) No replacement is required for billing credit card companies other than the above.

  As a result of such selection, the following effects are obtained.

1) Accurate replacement results can be obtained Only the issuing credit card company can return accurate replacement results. When another credit card company receives a request for replacement, the credit card company returns an estimated result and cannot return an accurate result as much as the issuer. Therefore, preferentially selecting the issuing credit card company as a replacement request destination leads to an accurate replacement determination result.

  2) Duplicate requests for re-washing can be reduced within a reasonable range of business customs / contracts.

  It is useless to request a plurality of credit card companies to replace the same credit card. It is only expected to receive multiple identical results or to receive mutually contradictory results. Therefore, when the representative member store type card company is included in the target of the replacement destination, it is appropriate to narrow down the replacement card company to one card company. For card companies that need to be replaced at individual member stores (card companies that cannot be represented by a representative member store), explained that “cards other than those issued by the company are replaced separately by the representative member store method” Is possible. On the other hand, if all the card companies subject to renewal are not allowed to be a representative merchant, it is often not allowed for rehabilitation for a specific merchant / card company. To do.

  The request unit 104 divides the credit card information 161 to be replaced distributed for each member store for each replacement credit card company, creates replacement data, and passes the switching center 200 to the replacement credit card. Send to company. Here, a representative member store as a business is also treated as a unit of one member store.

<Update of the usage information storage device 150 based on the result of replacement>
The result reflection unit 103 receives the replacement result from the credit card company terminal 300 that has transmitted the replacement data. The exchange result includes the validity / invalidity determination result of the exchanged credit card, whether or not the credit card number and expiration date are updated, and the updated credit card number and expiration date when there is an update. The result reflecting unit 103 registers the validity / invalidity determination result in the validity result information 155 for the credit card information 151 registered in the usage information storage device 150.

  Furthermore, when there is an update of a valid credit card number, the result reflection unit 103 sets the credit card information 151 registered in the use information storage device 150 as “credit card information before reflecting the replacement result” as the validity result. Register in the information 155. Thereafter, the result reflection unit 103 updates the credit card information 151 with a new credit card number. In addition, when the information management part 105 etc. confirm the replacement result of a credit card, the information before a replacement is keyed, but if the credit card number of the credit card information 151 is changed, the result of the replacement is displayed. It cannot be confirmed. Therefore, the result reflection unit 103 registers “credit card information before replacement” in the validity result information 155 as the search key information.

  When the representative member store usage information 153 and the issuer replacement information 152 are not registered (pattern 4 in FIG. 8), the request unit 104 may transmit replacement data to a plurality of credit card companies. In this case, there is a possibility that different replacement results are obtained for the same credit card. In this case, the result reflection unit 103 preferentially registers the replacement result for which the valid / invalid determination result is invalid. When the validity / invalidity determination result is valid, the result reflection unit 103 preferentially registers the replacement result with the updated credit card information.

  In addition, when the card user uses a new credit card that has been updated (delivered at hand) before the exchange, the usage information storage device 150 stores the credit card information before the update and the credit card information after the update. Both may be registered. However, the information management unit 105 cannot detect the relevance (relationship before and after the update) of the two registered information before the replacement.

  When the washing is performed in this state, the result reflecting unit 103 updates the registered credit card number before the update to the updated credit card number, and the registered credit card after the update is not updated. Receives the results of the replacement. As a result, two pieces of information before and after updating are registered in the usage information storage device 150 for the same credit card.

  In this case, the result reflection unit 103 adds the sales billing member store information 154 of the pre-update credit card information 151 to the sales billing member store information 154 of the registered credit card information 151. Thereafter, the result reflection unit 103 deletes the credit card information 151 before update from the usage information storage device 150.

  Here, the addition refers to merging the sales request member store information 154 associated with two credit card numbers into one. For example, if the member store a and member store b of the sales request member store information 154 are registered on the one hand and the member store b and member store c on the other hand are registered, the result reflecting unit 103 combines the data into one bill The member store a, the member store b, and the member store c are registered in the member store information 154. The member store b does not have different registered contents between overlapping credit card information. This is because the two pieces of credit card information are information on the same card used at the same member store.

  Subsequently, the result reflection unit 103 merges data with respect to the issuer replacement information 152 and the representative member store use information 153. When the issuer replacement information 152 is registered in one or both of the overlapping credit card information, the result reflection unit 103 registers in the issuer replacement information 152 of the registered credit card information. When the representative member store use information 153 is registered in one or both of the overlapping credit card information, the result reflection unit 103 registers the representative member store use information 153 as registered credit card information. If the representative member store usage information 153 differs between the overlapping data, the result reflecting unit 103 preferentially registers the one that matches the issuer renewal information 152, and if neither matches, the credit card information that has already been registered The registered representative member store use information 153 is maintained.

<Continue billing>
The settlement apparatus 101 refers to the validity result information 155 and the credit card information 151 registered in the usage information storage device 150, and determines valid (not registered invalid) credit card information to be used in the continuous billing service. get. Subsequently, the settlement apparatus 101 refers to the sales billing member store information 154 associated with the credit card, acquires the sales billing destination credit card information for each member store, and performs billing processing. The billing amount is indispensable information in the billing process, but management of this information is appropriately performed outside the scope of the present invention.

  When there is a change in the member store information storage device 130 or a change in the credit card company information storage device 140, the information management unit 105 receives a notification from the credit card company terminal 300 or the member store terminal 400 and the usage information storage device 150 Is reconstructed according to the registration rules shown in FIG. The information management unit 105 deletes from the usage information storage device 150 credit cards that are not registered in all the member stores in the sales billing member store information 154 of the usage information storage device 150 due to the reconstruction.

<Modification of the first embodiment>
When another system such as an existing system manages part or all of the information stored in the member store information storage device 130 and the credit card company information storage device 140, the renewal execution device 102 Information may be acquired or shared.

<Specific data example>
FIG. 9 shows a specific example of information stored in the usage information storage device 150.

  Assume that the information shown in FIG. 9 is registered in the usage information storage device 150. In this state, when registering the card 2 as a new continuous charge credit card in the member store d as the billing credit card company C5, the information management unit 105 registers the registered card 2 in accordance with the registration rules (FIG. 6). C5 is registered in the member store d of the sales request member store information 154. Furthermore, when registering the card 6 as a new continuous charge credit card in the member store d as the billing credit card company C2, the information management unit 105 first starts the credit card information 151 in accordance with the registration rules (FIG. 6). Add card 6 to Thereafter, the information management unit 105 registers C2 in the member store d of the sales request member store information 154 of the card 6.

  When the credit card company C2 is the issuer of the card 6, the information management unit 105 registers C2 in the issuer replacement information 152 of the card 6, and when the replacement unit information 141 of the credit card company C2 is the representative member store C2 is registered in the representative member store usage information 153.

  When creating replacement data from the usage information storage device 150 shown in FIG. 9, the request unit 104 distributes the credit card information 161 to be replaced to each member store or representative member store in accordance with the distribution rule (FIG. 8). And stored in the member store replacement information storage device 160.

  The exchange target credit card information 161 including the card 1 and the exchange destination credit card company C1 is distributed to representative member stores. The exchange target credit card information 161 including the card 2 and the exchange destination credit card company C5 is distributed to the member store b and the member store c. The exchange target credit card information 161 including the card 3 and the exchange destination credit card company C4 is distributed to the member store a. The exchange target credit card information 161 including the card 4 and the exchange destination credit card company C3 is distributed to representative member stores. The credit card information 161 to be exchanged with the card 5 and the credit card company C5 is the member store b, and the credit card information 161 to be exchanged with the card 5 and the credit card company C4 is the member store a. Sorted to store d.

  The request unit 104 creates replacement data for each member store from the distributed credit card information 161 for replacement.

  When the replacement result of the usage information storage device 150 illustrated in FIG. 9 is acquired from a credit card company, the result reflection unit 103 reflects the result in the usage information storage device 150. If the card 1 replacement result is valid and the credit card information 151 is updated to the card 6, the result reflection unit 103 indicates that the card 1 validity result information 155 is valid, and before the card replacement. The fact that it was card 1 is registered. Thereafter, the result reflection unit 103 replaces the contents of the credit card information 151 from the card 1 to the card 6. If the replacement result of the card 2 is invalid, the result reflection unit 103 registers that it is invalid in the validity result information 155 of the card 2.

  Thereafter, the settlement apparatus 101 acquires the latest credit card information from the credit card information 151 and the validity result information 155 in the usage information storage device 150, and performs a billing operation for the valid card.

  In the usage information storage device 150 shown in FIG. 9, when there is a change in member store or credit card company information, the information management unit 105 reconstructs the usage information storage device 150 in accordance with the registration rule (FIG. 6). . When the member store a is removed from the management of the operator system 100 due to contract termination or the like, the information management unit 105 deletes the member store a from the usage information storage device 150, and further, there is no member store that uses the card 3 due to the deletion. Therefore, the card 3 is also deleted.

  When the credit card company C4 is removed from the contracted credit card company of the business operator system 100 due to termination of the contract or the like, the information management unit 105 updates the information in each member store information storage device 130 and then the card in which C4 is registered. 3. Re-registration is performed on the card 5 in accordance with the registration rule (FIG. 6).

<Effect>
The exchange execution device 102 according to the present embodiment can execute the exchange flexibly corresponding to the difference in handling for each credit card company for a plurality of member stores.

  For example, the exchange execution device 102 according to the present embodiment performs a case where the exchange is performed at the member store unit by the credit card company of the exchange destination, and the exchange with the settlement agent as the representative member store. Even if there are mixed cases, it can be handled appropriately. The reason is that the requesting unit 104 performs the cleaning at the member store unit or the representative member store unit based on the unit of the replacement execution defined in the card company corresponding to the sales request of the member store. This is because cleaning is carried out by selecting.

  Furthermore, the exchange execution apparatus 102 according to the present embodiment can appropriately cope with a case where the credit card company with which the contract is made cannot be a target of exchange for a credit card that does not directly charge. The reason is that the request unit 104 selects a credit card company as a replacement destination from the credit card company where the sales request of the member store exists, and performs the replacement.

  Moreover, the replacement execution apparatus 102 of this Embodiment can perform highly reliable replacement. This is because the request unit 104 preferentially selects the issuer of the credit card to be exchanged as the credit card company to be exchanged, and performs the exchange.

  Moreover, the replacement execution apparatus 102 of this Embodiment can implement efficient replacement. The reason for this is that the request unit 104 does not carry out redundant flushing for the same credit card as far as it is possible with business practices / contracts.

<Second Embodiment>
FIG. 11 shows a configuration of the replacement execution apparatus 102 according to the second embodiment of the present invention.

  The replacement execution apparatus 102 includes an information management unit 105, a request unit 104, and a result reflection unit 103. Further, the cleaning execution device 102 is connected to a usage information storage device 150 that can be shared with other devices.

  The information management unit 105 associates the identifier of the credit card (hereinafter abbreviated as “card”) with the identifier of the credit card acquired from the terminal of the member store, etc. Is stored in the usage information storage device 150.

  The request unit 104 creates first replacement data including an identifier of the store and an identifier of the card if the unit of the execution of the replacement defined for the card company corresponding to the charge destination of the store is a store. Send to your credit card company. On the other hand, if the unit of the replacement is a representative store, the request unit 104 creates second replacement data including a display of a predetermined representative store and a card identifier, and transmits the second replacement data to the billing card company. .

  When the card invalidity is returned to the replacement data, the result reflecting unit 103 registers the invalidity in the usage information storage device 150.

  The exchange execution device 102 according to the present embodiment can execute the exchange flexibly corresponding to the difference in handling for each credit card company for a plurality of member stores.

  For example, the exchange execution device 102 according to the present embodiment performs a case where the exchange is performed at the member store unit by the credit card company of the exchange destination, and the exchange with the settlement agent as the representative member store. Even if there are mixed cases, it can be handled appropriately. The reason is that the requesting unit 104 performs the cleaning at the member store unit or the representative member store unit based on the unit of the replacement execution defined in the card company corresponding to the sales request of the member store. This is because cleaning is carried out by selecting.

  Furthermore, the exchange execution apparatus 102 according to the present embodiment can appropriately cope with a case where the credit card company with which the contract is made cannot be a target of exchange for a credit card that does not directly charge. The reason is that the request unit 104 selects a credit card company as a replacement destination from the credit card company where the sales request of the member store exists, and performs the replacement.

  While the present invention has been described with reference to the embodiments, the present invention is not limited to the above embodiments. Various changes that can be understood by those skilled in the art can be made to the configuration and details of the present invention within the scope of the present invention.

DESCRIPTION OF SYMBOLS 100 Operator system 101 Settlement device 102 Replacement execution device 103 Result reflection part 104 Request part 105 Information management part 130 Merchant information storage device 131 Contract credit card company information 132 Representative secretary credit card company information 133 Replacement execution information 140 Credit card Company information storage device 141 Replacement unit information 142 Replacement data creation information 143 Card number band information 150 Usage information storage device 151 Credit card information 152 Issuer replacement information 153 Representative member store use information 154 Sales request member store information 155 Validity Result information 160 Replacement information storage device by member store 161 Credit card information to be replaced 200 Switching center 300 Credit card company terminal 400 Member store terminal 600 Computer device 610 Processor 620 External Storage device 630 Main storage unit 640 Bus 650 Program

Claims (10)

Information management means for storing, in the usage information storage means, a pair of an identifier of a store that continuously charges the acquired card and an identifier of the card company that is the charging destination in association with the identifier of the acquired credit card (hereinafter abbreviated as “card”) When,
If the unit of refining defined for the card company corresponding to the billing destination of the store is 1) the store, the first reconstitution data including the store identifier and the card identifier is created. 2) If it is a representative store, request means for creating the second replacement data including a predetermined display of the representative store and an identifier of the card, and transmitting it to the card company of the billing destination;
When the invalidity of the card is returned to the exchange data, the exchange execution apparatus includes a result reflection unit that registers the invalidation in the usage information storage unit.   The requesting unit includes the second replacement data including identifiers of the plurality of cards associated with the same pair, and the second replacement data includes the card of the same billing destination. The replacement execution apparatus according to claim 1, wherein the identifier of the card corresponding to a company is included regardless of the identifier of the store. For the store, a contract list that is a list of contract card companies that are card companies that can be charged continuously and a secretary list that is a list of representative secretary card companies that are the contract card companies corresponding to the card brand are stored. Store information storage means,
Credit card company information storage means for storing, in correspondence with the card company, identification information of an identifier of the card issued by the card company;
The information management means specifies an issuer card company that is the card company issuing the card from the card identifier and the card identifier identification information, and the specified issuer card company is: 1) If issued card company is registered in the contract list of the acquired store, 2) if not registered in the contract list of the store, the brand corresponding to the brand specified from the card identifier 3. The exchange execution device according to claim 1, wherein the representative manager card company is stored in a usage information storage unit as the card company of the billing destination corresponding to the card.   The request means is associated with the same card, and when the card company of the billing destination has the pair that is the issuing card company and the pair that is the representative secretary card company, The exchange execution device according to claim 3, wherein the card company creates and transmits the exchange data based on the pair that is the issuing card company.   5. The change execution device according to claim 4, wherein the request means does not create the change data based on the pair in which the card company of the billing destination is the representative secretary card company.   The request means corresponds to the same card and the card company of the billing destination is 1) the pair that is the issuing card company does not exist, and 2) the representative whose unit is the representative store If there is the pair that is the secretary card company and 3) the pair that is the representative secretary card company whose unit is the store, the pair that is the representative secretary card company whose unit is the representative store 6. The washing data according to claim 3, wherein said washing data based on said pair is created and transmitted, and said washing data based on said pair that is said representative secretary card company whose unit is said store is not created. Replacement execution device.   The request means corresponds to the same card and the card company of the billing destination is 1) the pair that is the issuing card company does not exist, and 2) the representative whose unit is the representative store The pair that is the secretary card company does not exist 3) If there are a plurality of the pairs that are the representative secretary card company whose unit is the store, the replacement data based on each of the plurality of the pairs is created The replacement execution apparatus according to any one of claims 3 to 6, which is transmitted. The washing apparatus according to any one of claims 1 to 7,
The usage information storage means;
A settlement device that charges the card based on the corresponding pair for the card that is stored in the usage information storage means created by the exchange execution device and is not registered as invalid. Operator system. In association with the identifier of the acquired credit card (hereinafter abbreviated as “card”), a pair of the identifier of the store that continuously charges the acquired card and the identifier of the card company of the charging destination is stored in the usage information storage means,
If the unit of refining defined for the card company corresponding to the billing destination of the store is 1) the store, the first reconstitution data including the store identifier and the card identifier is created. 2) If it is a representative store, create the second replacement data including the predetermined representative store display and the card identifier, and send it to the card company of the billing destination,
When the invalidity of the card is returned to the exchange data, the invalidation method is registered in the usage information storage unit. Information management processing for storing, in the usage information storage means, a pair of an identifier of a store that continuously charges the acquired card and an identifier of a card company that is billed in association with the identifier of the acquired credit card (hereinafter abbreviated as “card”) When,
If the unit of refining defined for the card company corresponding to the billing destination of the store is 1) the store, the first reconstitution data including the store identifier and the card identifier is created. 2) If it is a representative store, request processing for creating the second replacement data including the predetermined representative store display and the card identifier, and transmitting the second replacement data to the card company of the billing destination;
A replacement execution program for causing a computer to execute a result reflection process for registering invalidity in the usage information storage unit when invalidity of the card is returned to the replacement data.

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