JP3503786B2 - Multiple limit credit card management system - Google Patents

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a credit information management system for making a payment with a credit card when selling a product or providing a service.

[0002]

2. Description of the Related Art Some credit cards are called "general purpose cards" issued by the card company under the brand of the card company, and some are called "dedicated cards" issued by individual brands such as retail stores and chain stores. . The "general purpose card" can be widely used at member stores nationwide that have contracted with the card company and is convenient for customers, but as a general rule, even if used at any retail store, customers will be provided with a uniform function. Therefore, it is inconvenient when it is desired to fix customers by providing unique services such as retail stores.

On the other hand, the "dedicated card" can fix customers by providing the card design and functions (the number of payments, various benefits, etc.) as a unique one, but the same retail shop can be used. It is not convenient for customers, such as being limited to branded retailers.

These "general purpose card" and "dedicated card"
"Collaboration card", which makes it possible to use the characteristics of each of them and to make the design and function of the card unique to retail stores, can be used anywhere and has high convenience, is also widespread.

[0005] Such "general purpose card""dedicatedcard"
The "affiliated card" is issued by a company that manages card issuance, for example, only one card of the same type per card member by a card company. The credit card company sets a usage limit amount for each card and restricts usage beyond the limit amount. Further, regarding accident information such as overdue information, the information for each individual card is exchanged or shared with other cards to reduce the risk.

However, such a "partner card"
So, for example, in the "tie-up card" with a kimono store,
Since the products handled as "dedicated cards" are high-priced products, it is necessary to set a high limit amount, and it is relatively easy to set a high limit amount for customers who want a special product with low cash exchange. However, since it also has the function of a "general-purpose card" that can be used at an unspecified number of member stores, setting a high limit is high risk for card companies, There is a problem that it is not possible to immediately set a high limit amount in accordance with the request of the above.

That is, even if there is no problem in purchasing a medium-to-low price product as a "general-purpose card" by issuing a "tie-up card" with a lower limit, purchasing a high-value product at a kimono store or the like. It becomes impossible to do so, and it becomes a card that is not useful for fixing the customer, which is the original purpose for the kimono store.

[0008] Further, even if the card company bears a risk and forcibly sets a high limit amount, the consumer's consumption activity is not limited to the kimono, so that it is used in various ways as a "general purpose card". , It is highly likely that most of the limit will be used, and there is no guarantee that the limit will remain when using it at a kimono store.

Such problems occur not only in the above-mentioned kimono store but also in specialty stores handling various high-priced products such as automobile dealers, travel agency pianos, high-priced musical instrument stores, etc. The spread of the "tie-up card" in Japan has been stopped.

[0010]

In view of such a background, the present invention has a usage limit of one "co-branded card" which has the advantages of both "general-purpose card" and "dedicated card". It is possible to have more than one for each card, and it is possible to purchase high-priced products as a "dedicated card" in addition to the general usage limit as a "general purpose card"
Moreover, it is an object to provide a card with high security.

[0011]

[Means for Solving the Problems] Means for solving the above problems are as described in the claims. That is, the invention of claim 1 has a plurality of mutually independent profits in one card company, which are determined in advance for each user.
And one card which records a plurality of numbers corresponding to the use limit, in a master file for registering the respective credit limit and accident information at least every number, plural number recorded in the one card When access is made with a specific number, a method to search for accident information from all other numbers registered in the master file of that number, and usage limit information for that number and accident information
A multi-use limit credit card management system having means for judging whether or not the credit can be used from the accident information of all other numbers as a search result. Is a card that records a plurality of numbers corresponding to a plurality of mutually independent usage limits in one card company, which are determined in advance for each user, and at least the respective usage limits and accidents for each number. A master file for registering information, an index file for associating master files of respective numbers, and other files registered in the index file when accessed by a specific number among a plurality of numbers recorded on the one card. A means to search accident information in the master file of all numbers and the use of the numbers
Limit information and accident information and all other as search results
A multi-use limit credit card management system comprising means for judging whether or not credit can be used from accident information of a number. The invention of claim 3 is independent for each card company, which is determined in advance for each user. Done multiple
And one card which records a plurality of numbers corresponding to the credit line, the accident information registered with the master files registered the credit limit information for each at least number, the accident information of all the number recorded on the card A file, a means for searching the accident information file from a specific number of a plurality of numbers recorded on the one card, and a usage limit information and a search result of the number .
It is a multi-use limit credit card management system provided with a means for judging whether or not credit can be used from accident information as a result .

[0012] Conventionally, a credit card is issued by printing, engraving, embossing or recording on the card a membership number uniquely assigned to the customer by the card issuing company.
The card company has a master file corresponding to each of the membership numbers, and manages limit information and overdue information. According to one method of the present invention, when issuing a "tie-up card" with a retail store that handles high-priced goods such as a kimono store, a membership number for use at various member stores as a "general-purpose card" and a kimono store affiliated with the store "Exclusive card"
Membership number for each is printed, stamped, embossed or recorded on one card and issued.

The cards issued in this way include:
The card company has a master file as a "general-purpose card" and a master file as a "dedicated card" separately, and a credit limit is set for each master file. When used as a "general-purpose card" by an unspecified number of member stores, a master file registered as a "general-purpose card" is used. When using as a "dedicated card" at a kimono store, the credit limit is the master file registered as a "dedicated card". The limit for the "dedicated card" part used at kimono shops, which is low in risk and requires a high limit, is large, and the limit for the "general-purpose card" part, which is high in risk and must be kept low, is small. "Collaboration card" is issued with one card.

In this way, the use of the card according to the purpose of use is guaranteed, and while the card can be used at an unspecified number of member stores, the card company can purchase a high-priced product at a kimono store with a low risk. We can carry out "tie-up card" issued in.

[0015]

DETAILED DESCRIPTION OF THE INVENTION

[0016]

Embodiment 1 FIGS. 1 to 3 and 7 are views showing an embodiment for realizing a system of the present invention, and FIG. 1 is a view showing an example of a description column of information registered in a card used in the present invention, 2 is a diagram of a system of the present invention, FIG. 3 is a diagram showing a master file registered in a storage device, and FIG. 7 is a diagram showing a processing flow of this embodiment.

In the figure, 1 is a card, 2 is a first membership number entry field of the card, 3 is a second membership number entry field, 10 is a processing device, 11 is a keyboard, 12 is a display device, 13 is a storage device, 20 is the master file corresponding to the first member number, 21 is the first member number entry column, 22 is the usage limit amount entry column, 23 is the overdue information entry column, 24 is the second member number entry column, 30 is a master file corresponding to the second member number, 31 is the second member number entry column, 32 is the usage limit entry column, 33 is the overdue information entry column, and 34 is the first member number entry column. is there.

When issuing the tie-up card 1, the card company adopts a code (member number, etc.) for identifying a member in order to manage the customer's usage limit, delinquency information, address, name, date of birth and other attributes. And register it in the corresponding master file. In the present invention, the membership number as a general-purpose card is registered in the first membership number entry field 21 of the master file 20 corresponding to the first membership number, and the card is recorded and issued as the conventional card number, at the same time, A member number as a dedicated card is also separately given to the same card customer, registered in the second member number entry field 31 of the master file 30 corresponding to the second member number, and the member number is also recorded on the same card. Issue.

In the master file 20 corresponding to the first member number, the maximum amount of use as a general-purpose card is registered in the column 22, and the master file 30 corresponding to the second member number is used as a dedicated card. The limit amount is registered in the column 32. Usually, the limit of use as a dedicated card is set higher than the limit of use of a general-purpose card. However, this does not apply if there are special circumstances. By doing so, since it is possible to hold two or more master files even with one card, it is possible to manage the usage limit amount separately and independently.

When issuing a card, the card company registers a code for knowing another member number or a member number of the master file in all master files corresponding to a plurality of member numbers given to the same customer. I am doing it.
In this embodiment, the second membership number is registered in the column 24 in the master file corresponding to the first membership number, and the first membership number is registered in the column 24 in the master file corresponding to the second membership number. It is registered in 34. In this way, regardless of which membership number is used, overdue information, lost information, etc. can be shared or exchanged, and risk can be reduced.

When the affiliated card 1 is used as a general-purpose card at a member store of a card company, a CAT (credit card authorization terminal) terminal 15 or PO
When the card 1 is inserted into the card reader 16 of the S (Point of Sales) terminal, the terminal reads the first member number 2 of the card 1 and inquires the credit information to the system.

The processing device 10 stores the storage device 1 from the member number.
The information of the member in the master file 20 corresponding to the first member number registered in No. 3 is searched, the credit limit column 22 and the overdue information column 23 are checked, and the second member number entry column 24 Read the second member number described in the above, and search the overdue information described in the overdue information column 33 of the master file 30 corresponding to the second member number by the number to check whether there is an accident. , If the accident information is registered in any of the plurality of master files, it notifies that the use of the card 1 should be refused.

In the case of using as a dedicated card, the usage limit is determined by the second membership number recorded at the position arranged between the card issuer and the retail store such as a kimono store, musical instrument store, car dealer, etc. Amount, overdue information,
Contact the credit card company for lost information. In the system of the card company that received the inquiry, the related master file 30 from the second membership number received by the processing device 10
About the accident information (overdue information, lost information, etc.) of the master file corresponding to the first membership number by searching the usage limit amount column 32, overdue information, lost information, etc. Examine and respond to affiliated retailers about availability and limit of usage. In this case, the usage limit is not bound by the limit stated in the master file corresponding to the first membership number, but based on the unique usage limit stated in the master file corresponding to the second membership number. As a result, the credit amount higher than the usage limit amount registered in the first master file can be used.

[0024] The communication of sales approval / disapproval between the affiliated retail store and the card company can be used not only by CAT etc. but also offline by using a telephone / facsimile or the like.

[0025]

[Embodiment 2] FIG. 4 is a diagram showing an example of a master file used in another embodiment. Reference numeral 40 is a master file corresponding to a first member number, 41 is a first member number entry field, and 42 is its use. Limit information entry field, 43 is the delinquency information entry field, 44 is a search key entry field commonly set for the first and second member numbers, and 50 is the first member number and the second member number. Related index files , 51 is a search key entry field for searching index files commonly set for the first and second membership numbers, 52 is a first membership number entry field, and 53 is a second member Number entry column, 60 is a master file corresponding to the second member number, 61 is the second member number entry column, 6
Reference numeral 2 is the usage limit amount entry field, 63 is the overdue information entry field, and 64 is a search key entry field common to the first member number.

This embodiment shows another method for retrieving the master file corresponding to each of the first member number and the second member number written on the affiliated card 1, and is a general-purpose card. When the membership number of 1 is used, the master file corresponding to the 1st membership number and the 2nd
Of the master file corresponding to the first member number, the search key column 44 of the master file 40 corresponding to the first member number and the search key column 64 of the master file 60 corresponding to the second member number are common. Code is registered as a search key and the index code that matches the code is
By reading the file 50, the second member number can be easily obtained, and the overdue information and lost information described in the master file 60 corresponding to the second member number can be checked.

According to this method, when issuing the affiliated card using three or more member numbers, it is not necessary to describe two or more other member numbers in the master file corresponding to each member number. The storage area of the storage device 13 can be used more effectively than in the case of the first embodiment.

[0028]

Third Embodiment FIGS. 5 and 8 are diagrams showing another embodiment, FIG. 5 is a diagram showing an example of a master file used in this embodiment, and FIG. 8 shows a processing flow of this example. It is a figure.
70 is a master file corresponding to the first membership number, 7
1 is the first member number entry field, 72 is the usage limit information entry field, 73 is the search key entry field of the overdue information file, 8
0 is an overdue information file in which the overdue information corresponding to the first member number and the overdue information corresponding to the second member number are registered, 81 corresponds to the search key entry field, and 82 corresponds to the first member number. Overdue information entry column, 83 is overdue information entry column corresponding to the second membership number, 90 is a master file corresponding to the second membership number, 91 is the second membership number entry column, 9
Reference numeral 2 is the usage limit amount column, and 93 is the search key entry column.

If the first membership number is used,
The usage limit amount information described in the usage limit amount column is read from the master file 70 corresponding to the first membership number, and it is confirmed that the result of the use has not reached the usage limit amount, and at the same time, the delinquency information file search key. Search the overdue information file from the search key listed in column 73
Whether or not the product can be sold can be determined by reading the accident information such as overdue information and lost information corresponding to the member number and the second member number.

When using a partner card or the like, the card company confirms that the lost card is not used or overdue. In other words, the usage limit amount of the present invention needs to be checked only for the user membership number, but the lost information and the overdue information must be confirmed regardless of which member number described in the affiliated card 1 is used. By possessing the overdue information of all the membership numbers listed on the card as an overdue file, it is possible to reduce the search time for the overdue information.

6 and 9 are views showing another embodiment, FIG. 6 is a view showing a master file corresponding to the membership number described in the card 1 used in this embodiment, and FIG. 9 is this embodiment. It is a figure which shows the flow of an example process. 100 is the master file corresponding to the membership number written on the card, 1
01 is the member number entry column written on the card, 102 is the identification code entry column of the user 1, 105 is the identification code entry column of the user 2, 103 is the usage limit amount entry column corresponding to the user 1, and 106 is Usage limit column corresponding to the destination 2 10
Reference numeral 4 is a delinquency information entry field corresponding to the usage destination 1, and 107 is a delinquency information entry field corresponding to the usage destination 2. The maximum amount of use is determined in advance by the place / store where the card is used, and ordinary card companies use a method of assigning a number or code to identify the place / store where the card can be used. There is.

When the card 1 is used at the destination 1,
The card number is reported to the card company, the identification number of the user 1 and the identification code of the user 1 and the amount spent, and the user is referred to the identification code entry column 102 of the user 1 of the master file 100 corresponding to the member number. If it is done, usage limit 1 column 103, overdue information 1 column 104 and overdue information 2 column 1
The information described in 07 is used to determine whether the card can be used and contact the place of use / store.

It is needless to say that the use destination column of the master file is not limited to two, and the number of use destinations for which the use limit amount should be separately managed may be described. According to this method, it is not always necessary to provide multiple membership numbers, so there is no need to change the information recorded on the conventional card, and simply by accessing the master file corresponding to the membership number written on the card It is possible to refer to all usage limit and delinquency information given to
It is possible to provide a highly reliable multi-limit credit card management system.

[0034]

According to the present invention, the function as a general-purpose card can be used as it is, and its own usage limit can be set as a dedicated card. By using the general-purpose card, the usage limit amount as a dedicated card can be used. It is possible to avoid the problem of using the maximum amount as a general-purpose card by using it as a dedicated card or vice versa, so it is possible to provide original services that cannot be obtained with conventional affiliated cards. Moreover, by sharing the accident information, it is possible to obtain a highly safe credit card system for credit card issuers and retailers.

[Brief description of drawings]

FIG. 1 is a diagram of a credit card used in a system according to an embodiment of the present invention.

FIG. 2 is a diagram of a system used in an embodiment of the present invention.

FIG. 3 is a diagram of a master file used in an embodiment of the present invention.

FIG. 4 is a diagram of a master file used in an embodiment of the present invention.

FIG. 5 is a diagram of a master file used in an embodiment of the present invention.

FIG. 6 is a diagram of a master file used in an embodiment of the present invention.

FIG. 7 is a diagram showing a flow of processing according to the embodiment of the present invention.

FIG. 8 is a diagram showing a flow of processing according to the embodiment of the present invention.

FIG. 9 is a diagram showing a flow of processing according to the embodiment of the present invention.

[Explanation of symbols]

1 card 2 first membership number entry field 3 second membership number entry field 10 processing device 11 keyboard 12 display device 13 storage device 20 master file corresponding to first membership number 21 first membership number entry column 22 use Limit entry column 23 Overdue information (accident information) entry column 24 Second member number entry column 30 Master file corresponding to the second member number 31 Second member number entry column 32 Usage limit entry column 33 Overdue information ( Accident information) entry column 34 First member number entry column 40 Master file corresponding to the first member number 41 First member number entry column 42 Usage limit entry column 43 Overdue information (accident information) entry column 44 Search key wherein column 50 indexed file 51 the search key entry field 52 first membership number entry field 53 second member number entry field 60 corresponding master file to the second member number 1 Second member number entry field 62 Usage limit entry field 63 Overdue information (accident information) entry field 64 Search key entry field 70 Master file corresponding to the first member number 71 First member number entry field 72 Usage limit Amount entry field 73 Overdue information search key entry field 80 Overdue information file 81 Overdue information search key entry field 82 Overdue information corresponding to the first member number 83 Overdue information 90 corresponding to the second member number 90 Into the second member number Corresponding master file 91 Second member number entry field 92 Usage limit entry field 93 Overdue information search key entry field 100 Master file 101 corresponding to card member number 101 Membership number entry field 102 Identification code 103 of user 1 User Usage limit amount entry column 104 corresponding to 1 Overdue information entry column 105 corresponding to the destination 1 Identification code 106 of the destination 2 Overdue information entry field corresponding to credit limit entry field 107 using entity 2 to respond

─────────────────────────────────────────────────── ─── Continuation of the front page (56) References JP-A 61-75495 (JP, A) JP-A 5-233959 (JP, A) JP-A 4-267495 (JP, A) (58) Field (Int.Cl. ⁷ , DB name) G07G 1/12 321 G07F 7/08

Claims (3)

(57) [Claims] 1. A single card recording a plurality of numbers corresponding to a plurality of mutually exclusive use limit amounts in one card company, which are determined in advance for each use destination, and at least a use limit for each number. A master file that registers the amount and accident information, and all other numbers registered in the master file of that number when accessed by a specific number among the multiple numbers recorded on the one card <br / > A method to search for accident information from the issue and the usage limit of the number
Forecast information and accident information
A multi-use limit credit card management system equipped with means for judging whether or not credit can be used from accident information of all other numbers . 2. A single card recording a plurality of numbers corresponding to a plurality of mutually exclusive use limit amounts in one card company, which are determined in advance for each use destination, and at least a use limit for each number. A master file for registering the forehead and accident information, an index file for associating the master file of each number, and an index file for access by a specific number of a plurality of numbers recorded on the one card are registered in the index file. Other than the means for searching the accident information in the master file of all other numbers, the usage limit information and the accident information of the number, and other
Multiple credit limit credit card management system equipped with means for judging whether credit can be used or not from accident information of all numbers . 3. A single card recording a plurality of numbers corresponding to a plurality of mutually independent usage limits in one card company, which has been determined in advance for each usage destination, and at least usage limit information for each number. The master file that registered the, the accident information file that registered the accident information of all the numbers recorded on the card, and when the access by the specific number among the plurality of numbers recorded on the one card is received. A means to search the accident information file from the number, the limit amount information of the number and the accident as the search result
Equipped with a means to judge credit availability from information
Multiple usage limit credit card management system.