JP2019220235A - Margin supplement execution apparatus, provider system, margin supplement execution method, and margin supplement execution program - Google Patents

Abstract

To execute margin supplement flexibly coping with differences in handling by each credit card company to a plurality of affiliated stores.SOLUTION: A margin supplement execution device comprises: information management means 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; requesting means for creating first margin supplement data including the identifier of the store and the identifier of the card if a unit of margin supplement execution defined for the card company of the charging destination of the store is 1) a store, creating second margin supplement data including a display of a predetermined representative store and the identifier of the card if the unit of the margin supplement execution is 2) a representative store, and transmitting the data to the card company of the charging destination; and result reflecting means for registering invalidity in the use information storing means when the invalidity of the card is returned to the margin supplement data.SELECTED DRAWING: Figure 1

Description

  The present invention relates to a renewal execution device, a business operator system, a renewal execution method, and a renewal execution program, particularly, a renewal execution device that updates information on the availability of a credit card used for continuous charging. About.

  Merchants and payment service providers that provide credit card payments have constructed and operate information processing systems for credit card payments. Such an information processing system carries out a renewal process for acquiring credit card update information including availability of a credit card used for continuous charging from a credit card company for each member store as needed.

  Patent Literature 1 discloses a system for performing such a credit card washing process. This system has a function of holding card validity information as credit card information, a function of performing a renewal process to a credit card company, a function of acquiring and holding availability information from a source other than the issuing credit card company, and a function of crediting. It has a function to judge whether the card can be used. Affiliated stores will carry out the washing process by introducing this system.

JP 2006-293503 A

  The settlement agency may manage a plurality of franchisees that provide settlement by credit card. Such a settlement agency has a case where a credit card company at the renewal destination carries out a renewal at the merchant unit, and a case where the settlement agency has a representative merchant as a representative merchant. , There is. The reason why the renewal is performed in different units is because there are differences in the system, contract, rules, and the like of the credit card company at the renewal destination regarding the handling of the credit card to be renewed.

  In order to cope with the above-mentioned differences in the refining process, the information processing system of the payment agent is complicated and difficult to manage. Therefore, the information processing system of the payment agent is represented by the payment agent. We do not carry out renewal as member stores, but perform renewal processing for individual member stores.

  The system disclosed in Patent Literature 1 does not take into account washing between a plurality of member stores and differences in handling between credit card companies, and does not solve this problem.

  The present invention provides a renewal execution device, a business operator system, a renewal execution method, and a renewal execution program that can perform a renewal that can flexibly cope with a difference in handling of each credit card company for a plurality of member stores. The purpose is to provide.

  According to one embodiment of the present invention, there is provided a change-performing apparatus, which relates an identifier of a credit card (hereinafter abbreviated as a card) to an identifier of a store that continuously charges the acquired card and an identifier of a credit card company. And information management means for storing the pair in the usage information storage means, and the unit of the renewal execution defined for the card company of the billing destination of the store is 1) if the store, the identifier of the store And the first change data including the identifier of the card, and 2) if the representative store, display the predetermined representative store and the second change data including the identifier of the card. Request means for transmitting to the card company of the billing destination, and, when a revocation of the card is returned to the renewal data, a result reflection means for registering the revocation in the usage information storage means, Prepare

  According to one embodiment of the present invention, there is provided a method of performing a renewal, wherein an identifier of a store that continuously charges the acquired card and an identifier of a card company to be charged are associated with an identifier of the acquired credit card (hereinafter, abbreviated as a card). Is stored in the usage information storage means, and the unit of the renewal execution defined for the card company of the billing destination of the store is 1) If the store, the identifier of the store and the identifier of the card Creating the first change data including an identifier; and 2) if the representative store, creating the second change data including the display of the predetermined representative store and the identifier of the card; When the card is sent to the card company and invalidity of the card is returned with respect to the change data, the invalidation is registered in the use information storage unit.

  According to one embodiment of the present invention, there is provided a program for performing a renewal, in which an identifier of a store that continuously charges the acquired card and an identifier of a card company to be charged are associated with an identifier of the acquired credit card (hereinafter, abbreviated as a card). The information management process of storing the pair in the usage information storage means, and the unit of the renewal execution defined for the card company of the billing destination of the store is 1) If the store, the identifier of the store And the first change data including the identifier of the card, and 2) if the representative store, display the predetermined representative store and the second change data including the identifier of the card. Request processing to be transmitted to the card company of the billing destination, and, when an invalidation of the card is returned to the renewal data, a result reflection processing of registering the invalidation in the usage information storage unit. To be executed by a computer.

  The refilling execution device according to the present invention can perform refilling for a plurality of member stores flexibly in response to differences in handling by credit card companies.

FIG. 1 is a diagram illustrating a configuration of a business operator system 100 according to the present embodiment. FIG. 2 is a flowchart showing an outline of the operation of the business operator system 100. FIG. 3 is a diagram showing a 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-specific renewal information storage device 160. FIG. 8 is a diagram illustrating a rule of distribution of credit card information to affiliated stores 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 device 600. FIG. 11 shows a configuration of a washing and cleaning apparatus 102 according to the second embodiment of the present invention.

<First embodiment>
<Structure>
FIG. 1 is a diagram illustrating a configuration of a business operator system 100 according to the present embodiment. The business operator system 100 is a system used by a payment agent, and is a member store terminal 400 that is a terminal device of a member store that continuously charges a credit card, and a credit device that is a terminal device of a credit card company that is continuously charged. It is connected to the card company terminal 300. The company 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 change execution device 102 for changing a credit card, a settlement device 101 for continuously charging a credit card, and a use information storage device 150 for storing use information of a credit card. . The usage information storage device 150 is connected to both the washing machine 102 and the settlement device 101. The change execution device 102 maintains and manages the information in the usage information storage device 150, and the settlement device 101 performs continuous charging based on the information in the usage information storage device 150.

  The change 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-specific change information storage device 160.

  The member store information storage device 130 holds, for each member store, information on a credit card company that has contracted with the member store. The credit card company information storage device 140 holds information on the change data for each credit card company. The member store-specific renewal information storage device 160 temporarily stores the member store-specific renewal information. The replacement data is data including a credit card number to be charged and an identifier of a member store to be charged.

  The information management unit 105 maintains and manages 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 the change data based on the information in the usage information storage device 150 and transmits the data to the credit card company terminal 300 via the switching center 200. The transmission of the change data is a change request. The result reflecting unit 103 reflects the result of the change received from the credit card company terminal 300 on the information in the usage information storage device 150.

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

  When the number of member stores increases or decreases or the contract with the credit card company changes, the information management unit 105 updates all the related information in the usage information storage device 150 and reconstructs the management information.

  Further, the information management unit 105 stores and manages a 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 uncontracted 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 registering the credit card information to be renewed in the usage information storage device 150, the information management unit 105 acquires the renewal destination credit card information from the member store information registered in the member store information storage device 130 in advance. And register at the same time.

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

  The request unit 104 extracts the credit card to be renewed for each member store from the usage information storage device 150 and stores the credit card in the member store-specific renewal information storage device 160. After that, the request unit 104 creates the change data based on the information and transmits the data to the credit card company terminal 300 via the switching center 200.

  The result reflection unit 103 loads the update information of the credit card and the validity information of the credit card acquired from the credit card company terminal 300 at the renewal 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-specific washing information storage device 160 are configured by storage devices, for example, a semiconductor memory and a magnetic disk device.

  It should be noted that the change execution device 102 may be realized by the computer device 600. FIG. 10 is a configuration diagram of the computer device 600. The computer device 600 includes a processor 610, a main storage unit 630, and an external storage device 620 interconnected by a bus 640. The processor 610 reads and writes data from and 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 program 650 from the external storage device 620 to the main storage unit 630 when the computer device 600 is initialized.

  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, the processor 610 executes, for example, the processing performed by the result reflection unit 103, the request unit 104, and the information management unit 105 by executing the program 650. 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-specific renewal information storage device 160.

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

<Operation>
<Overall operation>
FIG. 2 is a flowchart showing an outline of the operation 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 of holding the credit card information is not specified. However, for example, storage and management as encrypted data using various encryption technologies or tokens using the tokenization function may be performed.

  The settlement apparatus 101 and the change-performing apparatus 102 of the business system 100 manage a plurality of member store terminals 400 of the member store using a credit card. The settlement apparatus 101 performs a credit business and a billing business in credit card settlement on behalf of a member store. The change execution device 102 executes a change operation.

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

  When registration information for continuous charging 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 this time, the information management unit 105 acquires the information of the member store to be used and the credit card company of the renewal destination from the member store information storage device 130 and the credit card company information storage device 140, and, together with the usage information storage device 150 (Step 3 in FIG. 2).

  The request unit 104 of the renewal execution device 102 generates the renewal data for the renewal request in the transmission format of the switching center 200 at the timing of performing the renewal of the credit card, for example, at a predetermined time on the monthly settlement day. (Step 4 in FIG. 2). Next, the requesting unit 104 transmits the created change data to the credit card company terminal 300 of the credit card company and requests a change (step 5 in FIG. 2).

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

  The result reflecting unit 103 of the change execution device 102 receives the change result transmitted from 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 payment device 101 acquires updated credit card information from the usage information storage device 150 at the timing of performing the billing business for the continuous billing, for example, at a predetermined time on the monthly payment day, and performs the billing business for the credit card company. (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 a structure of information stored in the member store information storage device 130. The member store information storage device 130 associates with each member store, contract credit card company information 131 contracted by the member store, representative secretary credit card company information 132 which is credit card company information treated as a representative secretary company, and The washing 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 contracted by the associated member store.

  The representative secretary credit card company information 132 includes a representative secretary list that stores identifiers and the like of the representative secretary credit card companies in association with credit card brands. Here, the credit card brand is, for example, VISA (registered trademark) or MasterCard. When there is no contract between the credit card company (for example, company A) that issues a credit card used for continuous charging and the member store, the credit card to be billed instead of company A Company. The information management unit 105 specifies the representative secretary credit card company based on the brand of the credit card used for the continuous billing. The credit card company registered in the representative secretary credit card company information 132 is the credit card company existing in the contract credit card company information 131.

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

  Upon receiving the contract change information with the credit card company of the affiliated store from the affiliated store terminal 400, the information management unit 105 of the washing machine 102 is associated with the affiliated store stored in the affiliated store information storage device 130. Add or remove credit card companies.

<Information stored in credit card company information storage device 140>
FIG. 4 is a diagram showing a 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 information of the credit card company includes the exchange unit information 141 and the exchange data creation information 142 that determine the unit of creation of the exchange data to be transmitted to the credit card company, and the credit card issued by the credit card company. It includes card number band information 143.

  The renewal unit information 141 holds information for separating whether the renewal of a credit card to be renewed is performed for each member store or a business is performed as a representative member store. The change data creation information 142 holds information for specifying a credit card company included in the change 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.

  Upon receiving the update information of the credit card company from the credit card company terminal 300, the information management unit 105 of the change-performing apparatus 102 reads 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 renewal information 152, representative member store usage information 153, sales request member store information 154, and validity result information 55 in association with the credit card information 151 to be changed. I do.

  The credit card information 151 holds information on the credit card number and the expiration date of the credit card to be charged continuously. The issuer renewal information 152 holds information for determining whether the reimbursement 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-requested credit card company has issued the associated credit card, and otherwise stores “No registration”. Is held.

  The representative member store use information 153 holds information for determining the unit of generation of the change data. Specifically, the representative member store use information 153 includes the credit card company information when the business operator makes a request for a renewal as a representative member store to the credit card company to which the sales of the associated credit card is requested. Possess. When the washing is performed in individual member store units, the representative member store use information 153 has data indicating “no registration”.

  The sales request member store information 154 holds information on a credit card company to which a credit card is to be charged for each member store that needs a change-over operation. The sales request member store information 154 of a member store that has not been charged by the target credit card has data indicating “no registration”.

  The validity result information 155 holds the validity information of the credit card obtained as a result of the change and the credit card information before the reflection of the change 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 with a credit card is made at the member store, the information is transmitted from the member store terminal 400 to the renewal execution device 102. At the same time, the change-performing apparatus 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 checks whether the credit card to be registered 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 the credit card number and the 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 request member store information 154 (step S4). The information management unit 105 specifies the credit card company information to be charged from the contracted credit card company information 131 and the representative secretary credit card company information 132 held in the member store information storage device 130. This identification is performed in the following procedure.

  1) First, it is determined whether or not the credit card company that has issued the credit card is registered in the contracted credit card company information 131 based on the number of the newly contracted 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 number of the newly contracted credit card falls within the range of the card number band information 143 of any contracted credit card company.

  2) If the number of the newly contracted credit card falls 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 issued by the credit card. Judge as a company. Then, the information management unit 105 registers the issuing credit card company in the sales request member store information 154 as a billing destination credit card company.

  3) If the number of the newly contracted credit card is not included in the range of the card number band information 143 of any contracted credit card company, the information management unit 105 determines the brand of the credit card from the credit card number. Is determined. Here, it is assumed that a part of the credit card number is a brand specifying code. Then, the information management unit 105 registers the representative secretary credit card company stored in the representative secretary credit card company information 132 in association with the brand in the sales request member store information 154 as a billing destination credit card company.

  If the issuing credit card company of the newly contracted credit card is not the contracted credit card company of the contracted merchant, the managing secretary card company accepts the credit card charge on behalf of the credit card issuing card company. . However, only credit cards of the same card brand as the credit card handled by the representative secretary credit card company can be handled by the representative secretary card company. Reflecting this situation, the information management unit 105 performs the processing as described in 3) above.

  When the billing credit card company registered in the sales billing member store information 154 is the issuing credit card company ("Issuing Source" in step S5), the information management unit 105 sets the credit card company as the issuer renewal information 152. (Step S6).

  The information management unit 105 checks the credit card company's replacement unit registered in the sales request member store information 154 by referring to the replacement unit information 141 of the credit card company information storage device 140 (step S7). When the unit change information 141 is a member store unit ("member store" in step S7), the information management unit 105 ends the registration process (step S11).

  If the renewal unit information 141 is a business ("business" in step S7), the information management unit 105 further checks whether the representative member store use 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 ended (step S11). If it is the 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 calling representative member store use information 153 is unregistered (“unregistered” in step S8), the information management unit 105 stores the credit card company information registered in the sales request member store information 154 into the representative member store use information 153. And the registration process ends (steps S10 and S11).

<Information stored in member store-specific renewal information storage device 160>
FIG. 7 shows information stored in the member store-specific renewal information storage device 160. The member store-specific renewal information storage device 160 holds renewal target credit card information 161 in association with each member store. The renewal target credit card information 161 holds the credit card number of the billing destination credit card, the expiration date, and the renewal destination credit card company information. Representative franchisees, which are businesses, are also franchisees.

  In addition, the display of the representative member store used in the credit card information 161 to be replaced is defined for each credit card company or business operator at the replacement destination. This display may be any display as long as the credit card company at the renewal destination can identify the display of the representative member store.

<Creation and transmission of change data>
When creating the replacement data, the requesting unit 104 first creates the replacement 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 renewal information storage device 160. FIG. 8 is a diagram illustrating a rule of distribution of credit card information to affiliated stores by the request unit 104. In the following description, the information of the credit card company registered in the issuer renewal information 152 is referred to as registration information A, and the information of the credit card company 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 for each line of the information in 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 checks whether or not the registration information A and B are registered. If the registration information A and B are both registered and the credit card companies registered in both are the same, the request unit 104 registers the renewal-targeted credit card information 161 in association with the representative member store. The replacement credit card company registered in the renewal target credit card information 161 is registration information A. At this time, for other billing destination credit card companies registered in the sales requesting member store information 154 in association with the credit card, the renewal target credit card information 161 of the credit card and the renewal data are not created.

2) Pattern 1 (registration information A and B are not the same)
If both the registered information A and B are registered, but the registered credit card companies are not the same, the request unit 104 registers the same credit card company as the registered information A in the sales request member store information 154. The renewal target credit card information 161 is registered in association with all the member stores. The replacement credit card company registered in the renewal target credit card information 161 is registration information A. Regarding other billing destination credit card companies registered in the sales request member store information 154 in association with the credit card, the renewal target credit card information 161 of the credit card and the renewal 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 renewal target credit card information 161 in association with the representative member store. The replacement credit card company registered in the credit card information 161 to be changed is registration information B. Regarding other billing destination credit card companies registered in the sales request member store information 154 in association with the credit card, the renewal target credit card information 161 of the credit card and the renewal data are not created.

Pattern 3
If the registration information B is not registered and the registration information A is registered, the requesting unit 104 associates the sales card information 154 with all the member stores in which the same credit card company as the registration information A is registered. The credit card information 161 to be replaced is registered. The replacement credit card company registered in the renewal target credit card information 161 is registration information A. Regarding other billing destination credit card companies registered in the sales request member store information 154 in association with the credit card, the renewal target credit card information 161 of the credit card and the renewal data are not created.

Pattern 4
If both the registration information A and B are not registered, the request unit 104 registers all the member store renewal target credit card information 161 in which the billing destination credit card company information is registered in the sales requesting member store information 154. . The credit card company to be changed registered in the credit card information 161 to be changed is billing credit card company information registered in each member store.

The requesting unit 104 generates the member store-specific renewal information storage device 160 every time the renewal is performed, and deletes the replenishment data when the preparation of the renewal data is completed. Is not performed, and it is not necessary to determine whether or not the renewal is possible depending on whether or not there is a charge for each credit card company.

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

  (1) If the issuing credit card company exists in the billing destination of the credit card, the credit card company becomes a renewal destination. The renewal unit is determined based on the designation of the credit card company.

  (2) If there is a credit card billing destination that is a credit card company of another member company (representative secretary card company) that can use the representative member store system, the credit card company will be the renewal destination. The renewal unit will be the representative member store.

  (3) If there are no other companies (representative secretary card companies) that can use the representative member store system as the credit card billing destination, all credit card companies that have been registered as billing destinations will be replaced. Become. The renewal unit is a member store.

  (4) No change is required for any other credit card companies to which billing is made.

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

1) Accurate rejuvenation determination results can be obtained Only the issuing credit card company can return accurate renewal results. Other credit card companies will return a deemed result when they receive a request for a change, and will not be able to return as accurate results as the issuer. Therefore, preferentially selecting the issuer credit card company as the destination of the change request leads to an accurate change determination result.

  2) Duplicate renewal requests can be reduced to the extent reasonable in business practice / contract.

  It is wasteful to request a plurality of credit card companies to change the same credit card. It is only expected that the same result will be received more than once, or that results will be mutually contradictory. Therefore, when a card company of the representative member store system is included in the replacement destination, it is appropriate to narrow down the replacement card company to one card company. For card companies that require renewal at individual merchants (card companies that cannot use the representative merchant method), they explained that "cards other than their own are renewed separately using the representative merchant method." Is possible. On the other hand, if all of the card companies to be renewed cannot use the representative member store method, it is often not allowed to perform a renewal for a specific member store / card company. I do.

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

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

  Further, when there is an update of the valid credit card number, the result reflecting unit 103 sets the credit card information 151 registered in the usage information storage device 150 as “credit card information before reflecting the renewal result” as the validity result. Register in the information 155. After that, the result reflecting unit 103 updates the credit card information 151 with the new credit card number. The information management unit 105 and the like key the information before the renewal when confirming the renewal result of the credit card. However, if the credit card number in the credit card information 151 is changed, the information You will not be able to confirm. Therefore, the result reflecting unit 103 registers “credit card information before renewal” in the validity result information 155 as search key information.

  When both the representative member store use information 153 and the issuer renewal information 152 have no registration (pattern 4 in FIG. 8), the request unit 104 may transmit the renewal data to a plurality of credit card companies. In this case, different washing results may be obtained for the same credit card. In this case, the result reflecting unit 103 preferentially registers the cleaning result in which the valid / invalid determination result is invalid. If the validity / invalidity determination result is valid, the result reflecting unit 103 preferentially registers a renewal result with updated credit card information.

  When the card user uses a new credit card that has been updated (at hand) before the renewal, 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 relevancy (the relationship between before and after the update) of the two pieces of registration information before the replacement.

  When the renewal 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 updates the registered credit card without the update. Receive the washing result. As a result, for the same credit card, two pieces of information before and after the update are registered in the usage information storage device 150.

  In this case, the result reflecting unit 103 adds the sales request member store information 154 of the credit card information 151 before updating to the sales request member store information 154 of the registered credit card information 151. The result reflecting unit 103 then deletes the pre-update credit card information 151 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, when the member store a and the member store b in the sales request member store information 154 are registered on the one hand, and the member store b and the member store c are registered on the other hand, the result reflecting unit 103 combines the data into one, and The member store a, the member store b, and the member store c are registered in the member store information 154. Note that the registered contents of the member store b are not different between the overlapping credit card information. This is because the two pieces of credit card information are information of the same card used in the same member store.

  Subsequently, the result reflecting unit 103 merges the data of the issuer replacement information 152 and the representative member store use information 153. When the issuer renewal information 152 is registered in one or both of the overlapping credit card information, the result reflecting unit 103 registers the issuer renewal information 152 in 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 reflecting unit 103 registers the representative member store use information 153 as registered credit card information. If the representative member store use information 153 is different between the overlapping data, the result reflecting unit 103 preferentially registers the information that matches the issuer renewal information 152, and if they do not match, the result reflecting unit 103 sets the information as the already registered credit card information. The registered representative member store use information 153 is maintained.

<Continuous charging>
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 refers to the valid (not invalid) registered credit card information used in the continuous billing business. get. Subsequently, the settlement apparatus 101 refers to the sales request member store information 154 associated with the credit card, acquires sales request destination credit card information for each member store, and performs a billing process. It should be noted that the billing amount is essential information in the billing process, but the management of this information is appropriately performed outside the scope of the present invention.

  If 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 Is reconstructed in accordance with the registration rule shown in FIG. The information management unit 105 deletes, from the usage information storage device 150, credit cards for which registration has not been made at all the member stores in the sales request member store information 154 of the usage information storage device 150 with the reconstruction.

<Modification of First Embodiment>
When another system such as an existing system manages a 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 change execution device 102 Information may be obtained or shared.

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

  It is assumed 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 and the billing-destination credit card company C5 in the member store d, the information management unit 105 uses the registered card 2 in accordance with the registration rule (FIG. 6). C5 is registered in the member store d of the sales request member store information 154. Further, when registering the card 6 as a new continuous-charge credit card and the billing credit card company C2 at the member store d, the information management unit 105 firstly sets the credit card information 151 in accordance with the registration rule (FIG. 6). Add card 6 to. After that, 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 renewal information 152 of the card 6, and when the renewal unit information 141 of the credit card company C2 is the representative member store, Register C2 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 stores the information in the member store-specific renewal information storage device 160.

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

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

  When the washing result of the usage information storage device 150 shown in FIG. 9 is obtained from the credit card company, the result reflecting unit 103 reflects the result on the usage information storage device 150. When the renewal result of the card 1 is valid and the credit card information 151 is updated to the card 6, the result reflecting unit 103 indicates that the validity result information 155 of the card 1 is valid, and Register that it was Card 1. After that, the result reflecting unit 103 replaces the contents of the credit card information 151 with the card 1 to the card 6. When the renewal result of the card 2 is invalid, the result reflecting unit 103 registers the invalidity 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 of 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 the information of the member store or the credit card company, 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 out of the management of the business system 100 due to the termination of the contract or the like, the information management unit 105 deletes the member store “a” from the usage information storage device 150, and the member store using the card 3 disappears with the deletion. Therefore, the card 3 is also deleted.

  When the credit card company C4 departs from the contracted credit card company of the business system 100 due to the 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 updates the card in which the C4 is registered. 3. Re-register the card 5 in accordance with the registration rules (FIG. 6).

<Effect>
The renewal execution device 102 of the present embodiment can perform renewal for a plurality of member stores flexibly in response to differences in handling by credit card companies.

  For example, the renewal execution device 102 of the present embodiment implements a case in which the credit card company of the renewal destination requires a renewal at the member store unit and a renewal using a settlement agency as a representative member store. Even if there are mixed cases, it can respond appropriately. The reason is that the request unit 104 determines whether to perform the renewal on a member store basis or on a representative member store basis based on the unit of the renewal execution defined for the credit card company to which the sales of the member store is requested. This is because washing is performed by selecting.

  Further, the renewal execution device 102 of the present embodiment can appropriately cope with a case where a contracted credit card company cannot make a reimbursement target for a credit card that does not directly perform a billing operation. The reason for this is that the request unit 104 selects a credit card company to be replaced from a credit card company that has a sales request of a member store, and performs the replacement.

  In addition, the replacement performing apparatus 102 according to the present embodiment can perform highly reliable replacement. The reason is that the request unit 104 preferentially selects the issuer of the credit card to be changed as the credit card company of the replacement destination and performs the change.

  In addition, the replacement performing apparatus 102 of the present embodiment can perform efficient replacement. The reason is that the requesting unit 104 does not execute the duplicate credit change for the same credit card to the extent possible according to the business customs / contract.

<Second embodiment>
FIG. 11 shows a configuration of a washing and cleaning apparatus 102 according to the second embodiment of the present invention.

  The change execution device 102 includes an information management unit 105, a request unit 104, and a result reflection unit 103. Further, the change 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 to the card) acquired from the terminal or the like of the member store with a pair of the identifier of the store that continuously charges the acquired card and the identifier of the card company of the billing destination; Is stored in the usage information storage device 150.

  The request unit 104 creates first change data including an identifier of the store and an identifier of the card if the unit of execution of the change defined in correspondence with the card company of the charging destination of the store is the store. To your credit card company. On the other hand, if the unit of the change is a representative store, the request unit 104 creates the second change data including the display of the predetermined representative store and the card identifier, and transmits the second change data to the charging-destination card company. .

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

  The renewal execution device 102 of the present embodiment can perform renewal for a plurality of member stores flexibly in response to differences in handling by credit card companies.

  For example, the renewal execution device 102 of the present embodiment implements a case in which the credit card company of the renewal destination requires a renewal at the member store unit and a renewal using a settlement agency as a representative member store. Even if there are mixed cases, it can respond appropriately. The reason is that the request unit 104 determines whether to perform the renewal on a member store basis or on a representative member store basis based on the unit of the renewal execution defined for the credit card company to which the sales of the member store is requested. This is because washing is performed by selecting.

  Further, the renewal execution device 102 of the present embodiment can appropriately cope with a case where a contracted credit card company cannot make a reimbursement target for a credit card that does not directly perform a billing operation. The reason for this is that the request unit 104 selects a credit card company to be replaced from a credit card company that has a sales request of a member store, and performs the replacement.

  The present invention has been described with reference to the exemplary embodiments, but the present invention is not limited to the above exemplary 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 Business system 101 Settlement device 102 Renewal execution device 103 Result reflection part 104 Request part 105 Information management part 130 Member store information storage device 131 Contract credit card company information 132 Representative secretary credit card company information 133 Renewal execution information 140 Credit card Company information storage device 141 Washing unit information 142 Washing 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 Renewal information storage device by member store 161 Credit card information for renewal 200 Switching center 300 Credit card company terminal 400 Merchant 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 a use information storage means, a pair of an identifier of a store for which the card is to be continuously charged and an identifier of a card company to be charged, in association with the identifier of the acquired credit card (hereinafter abbreviated as a card) When,
1) If the unit of the renewal execution defined for the card company of the charging destination of the store is the store, create the first renewal data including the identifier of the store and the identifier of the card. And 2) if the representative store, request means for creating the second representative data including the display of the predetermined representative store and the identifier of the card, and transmitting to the card company of the billing destination;
A change execution device, comprising: when the card is invalidated in response to the change data, a result reflecting unit that registers the invalidation in the use information storage unit.   The request means may include, in the second wash data, identifiers of the plurality of cards associated with the same pair, and in the second wash data, the card of the same billing destination may be included. 2. The change-performing apparatus according to claim 1, wherein the identifier of the card corresponding to a company is included regardless of the identifier of the store. 3. For the store correspondence, 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 that correspond to the brand of the card are stored. Store information storage means,
Credit card company information storage means for storing identification information of the identifier of the card issued by the card company corresponding to the card company,
The information management means, from the identifier of the card and the identification information of the identifier of the card, to specify the issuing card company that is the card company that issues the card, the identified issuing card company, 1) If it is registered in the contract list of the acquired store, the issuer card company; 2) if it is not registered in the contract list of the store, the brand corresponding to the brand identified from the card identifier 3. The apparatus according to claim 1, wherein the representative secretary card company is stored in a usage information storage unit as the card company of a billing destination corresponding to the card. 4.   The requesting means is associated with the same card, and when the card company as a billing destination is the pair as the issuing card company and the pair as the representative secretary card company, the billing destination is 4. The apparatus of claim 3, wherein the card company creates and transmits the replacement data based on the pair that is the issuing card company. 5.   5. The change execution device according to claim 4, wherein the request unit 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. 6.   In response to the same card, the requesting means determines that the card company of the billing destination is 1) the pair which is the issuing card company does not exist and 2) the representative whose unit is the representative store And 3) if the pair is the representative secretary card company whose unit is the store, and 3) the pair is the representative secretary card company whose unit is the representative store. The washing data according to any one of claims 3 to 5, wherein the washing data based on the pair is created and transmitted, and the washing data based on the pair whose representative secretary card company is the store is not created. Replacement implementation device.   In response to the same card, the requesting means determines that the card company of the billing destination is 1) the pair which is the issuing card company does not exist and 2) the representative whose unit is the representative store 3) When there are a plurality of the pairs which are the representative secretary card companies whose units are the stores, and the pair which is the secretary card company does not exist, the replacement data is created based on each of the plurality of pairs. 7. The change execution device according to claim 3, wherein the change is performed. A washing execution device according to any one of claims 1 to 7,
Said usage information storage means,
A settlement device that charges the card that is stored in the use information storage unit created by the refilling execution device and that is not registered as invalid based on the corresponding pair. Business 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 billing destination is stored in the usage information storage means,
1) If the unit of the renewal execution defined for the card company of the charging destination of the store is the store, create the first renewal data including the identifier of the store and the identifier of the card. And 2) if it is a representative store, create the second wash data including a display of the predetermined representative store and an identifier of the card, and transmit it to the card company of the billing destination;
When the invalidation of the card is returned to the replacement data, the invalidation is registered in the use information storage unit. An information management process for storing, in a usage information storage unit, a pair of an identifier of a store that continuously charges the acquired card and an identifier of a card company to be charged in association with the identifier of the acquired credit card (hereinafter, abbreviated as a card) When,
1) If the unit of the renewal execution defined for the card company of the charging destination of the store is the store, create the first renewal data including the identifier of the store and the identifier of the card. And 2) if it is a representative store, a request process for creating the second representative data including the display of the predetermined representative store and the identifier of the card, and transmitting the data to the card company of the billing destination;
A change execution program for causing a computer to execute, when an invalidity of the card is returned to the change data, a result reflection process of registering the invalidation in the usage information storage unit.

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