JP3665326B2 - Credit ID lending system and method - Google Patents

Description

  The present invention relates to a credit ID lending system and method for lending a credit ID to a user and using the credit ID.

  (1) Conventionally, a credit card is issued in advance based on a contract between a user and a credit company that defines a settlement method, and if this is presented, shopping or eating and drinking can be performed without paying cash directly. Possible credit card systems are widely used.

  Since the credit card as described above is issued based on the user's personal credit information, in many credit companies, third parties other than the user are prohibited from using the user's credit card. That is, the credit card cannot be transferred or loaned to another person.

  This is because a credit card is issued to a user who has been issued a credit card, so if you transfer or lend a credit card to a third party, you will be charged for unintended use by that user This is because the credit company may not be able to collect the money. In this case, there arises a problem that the credit company cannot operate the system safely.

  (2) Further, in order to improve the settlement of transportation expenses and the like in companies, a system that uses an automatic ticket gate using a credit card is adopted.

  For example, when an employee passes an automatic ticket gate using a credit card, the credit company charges the company for a usage fee. For this reason, the employee can pay the business trip expense etc. without cash, and can aim at the efficiency of the adjustment work of a transportation expense etc. based on the use details (for example, patent documents 1).

  However, when such a system is introduced to settle transportation expenses for employees in companies, etc., the credit card usage details used by each employee will be sent together at a later date from the credit company. There was a problem that the checkout process was delayed. In addition, since it is necessary to issue a credit card to all target employees, there is a problem in that the cost for creating the card is high.

  (3) Furthermore, travelers traveling abroad often use a credit card issued in their country at the destination store for convenience.

  However, in the recent credit card industry, there are a number of crimes in which a credit card number of another person is read by skimming and a counterfeit card is created based on this.

  Therefore, a situation in which a traveler hesitates to use a credit card is occurring unless he / she is convinced that the destination store is not skimming. In particular, such a tendency seems to be remarkable in countries where crimes such as those described above are frequent or in poor security.

  Under such circumstances, the use of credit cards is restrained, which has a serious impact on the credit card industry.

JP 2001-331818 A

  The present invention has been made to solve the above-described problems, and can safely operate the credit card system, can immediately notify the lender of the usage status, and can prevent the credit card number from leaking. It is an object to provide a credit ID lending system that can be prevented.

(1) (2) (3) (4) The credit ID lending system according to the present invention is
A credit ID lending system comprising a credit management device of a credit company, a lending organization management device of a lending organization, a card settlement device of a user organization, and a portable recording medium possessed by a user,
The portable recording medium is
A recording unit that records a credit ID and an electronic value balance;
Data exchange means for exchanging data with the card payment device;
With
Card payment device
A data recording means for exchanging data with a portable recording medium, a lending institution management device, a credit management device;
ID / value acquisition means for acquiring a credit ID and an electronic value balance from a portable recording medium corresponding to the use performed by the user at the user organization;
A determination means for subtracting a payment amount corresponding to the use of the user from the acquired electronic value balance, and determining whether or not the electronic value balance after the subtraction is equal to or less than a predetermined replenishment determination amount;
If it is not less than the replenishment judgment amount, the subtracted electronic value balance is output and recorded on a portable recording medium, and if it is less than the replenishment judgment amount, the electronic value balance after subtraction is added with the supplement amount. Electronic value balance update means for outputting and recording as a value balance on a portable recording medium;
Prepaid settlement information output means for outputting prepaid settlement information including a settlement amount corresponding to the use of the user and a credit ID to a lending institution management device;
Credit settlement information output means for outputting credit settlement information and credit ID including the supplement amount to the credit management device when the electronic value is supplemented;
With
Credit management device
A recording unit that records a plurality of credit IDs issued to a lending institution and credit IDs and lending institution correspondence information associated with each lending institution;
Data exchange means for exchanging data with the card payment device;
A payment information recording means for recording the credit ID and the credit payment information output from the card payment device in a recording unit for each transaction;
A payment amount calculation means for calculating a credit payment amount for each lending institution based on the credit settlement information and the credit ID / lending institution correspondence information recorded in the recording unit;
With
Lending organization management device
For a plurality of credit IDs issued by the credit company to the lending institution, a recording unit that records credit ID / user correspondence information that associates user information of users assigned to each credit ID;
Data exchange means for exchanging data with the card payment device;
Payment information recording means for recording the credit ID and prepaid payment information output from the card payment device in a recording unit for each transaction;
Usage status calculation means for calculating usage status for each user based on prepaid payment information and credit ID / user correspondence information recorded in the recording unit;
It is characterized by having.
(7) (8) (9) The credit ID lending system according to the present invention is:
A credit ID lending system comprising a credit management device of a credit company, a lending organization management device of a lending organization, a card settlement device of a user organization, and a portable recording medium possessed by a user,
The portable recording medium is
A recording unit for recording credit ID, electronic value balance and prepaid payment information;
Data exchange means for exchanging data with the card settlement device and the lending institution management device;
With
Card payment device
Data exchange means for exchanging data with a portable recording medium and a credit management device;
ID / value acquisition means for acquiring a credit ID and an electronic value balance from a portable recording medium corresponding to the use performed by the user at the user organization;
A determination means for subtracting a payment amount corresponding to the use of the user from the acquired electronic value balance, and determining whether or not the electronic value balance after the subtraction is equal to or less than a predetermined replenishment determination amount;
If it is not less than the replenishment judgment amount, the subtracted electronic value balance is output and recorded on a portable recording medium, and if it is less than the replenishment judgment amount, the electronic value balance after subtraction is added with the supplement amount. Electronic value balance update means for outputting and recording as a value balance on a portable recording medium;
Prepaid payment information output means for outputting and recording prepaid payment information including a payment amount corresponding to the use of the user on a portable recording medium;
Credit settlement information output means for outputting credit settlement information and credit ID including the supplement amount to the credit management device when the electronic value is supplemented;
With
Credit management device
A recording unit that records a plurality of credit IDs issued to a lending institution and credit IDs and lending institution correspondence information associated with each lending institution;
Data exchange means for exchanging data with the card payment device;
A payment information recording means for recording the credit ID and the credit payment information output from the card payment device in a recording unit for each transaction;
A payment amount calculation means for calculating a credit payment amount for each lending institution based on the credit settlement information and the credit ID / lending institution correspondence information recorded in the recording unit;
With
Lending organization management device
For a plurality of credit IDs issued by the credit company to the lending institution, a recording unit that records credit ID / user correspondence information that associates user information of users assigned to each credit ID;
Data exchange means for exchanging data with a portable recording medium;
Payment information recording means for recording the prepaid payment information read from the portable recording medium in the recording unit for each transaction;
Usage status calculation means for calculating usage status for each user based on prepaid payment information and credit ID / user correspondence information recorded in the recording unit;
It is characterized by having.
(12) (13) (14) (15) The credit ID lending system according to the present invention is:
A credit ID lending system comprising a credit management device of a credit company, a lending organization management device of a lending organization, a card settlement device of a user organization, and a portable recording medium possessed by a user,
The portable recording medium is
A recording unit that records a credit ID and an electronic value balance;
Data exchange means for exchanging data with the card payment device;
With
Card payment device
Data exchange means for exchanging data with a portable recording medium and a credit management device;
ID / value acquisition means for acquiring a credit ID and an electronic value balance from a portable recording medium corresponding to the use performed by the user at the user organization;
A determination means for subtracting a payment amount corresponding to the use of the user from the acquired electronic value balance, and determining whether or not the electronic value balance after the subtraction is equal to or less than a predetermined replenishment determination amount;
If it is not less than the replenishment judgment amount, the subtracted electronic value balance is output and recorded on a portable recording medium, and if it is less than the replenishment judgment amount, the electronic value balance after subtraction is added with the supplement amount. Electronic value balance update means for outputting and recording as a value balance on a portable recording medium;
Prepaid payment information output means for outputting prepaid payment information including a payment amount corresponding to the use of the user and a credit ID to a credit management device;
Credit settlement information output means for outputting credit settlement information and credit ID including the supplement amount to the credit management device when the electronic value is supplemented;
With
Credit management device
A recording unit that records a plurality of credit IDs issued to a lending institution and credit IDs and lending institution correspondence information associated with each lending institution;
Data exchange means for exchanging data with the card settlement device and the lending institution management device;
A payment information recording means for recording the credit ID and the credit payment information output from the card payment device in a recording unit for each transaction;
A payment amount calculation means for calculating a credit payment amount for each lending institution based on the credit settlement information and the credit ID / lending institution correspondence information recorded in the recording unit;
Prepaid settlement information output means for outputting the prepaid settlement information and credit ID output from the card settlement apparatus to the lending institution management apparatus corresponding to the credit ID based on the credit ID / lending institution correspondence information;
With
Lending organization management device
For a plurality of credit IDs issued to the lending institution by a credit company, a recording unit that records credit ID / user correspondence information that associates user information of users assigned to each credit ID,
Data exchange means for exchanging data with the credit management device;
Payment information recording means for recording the prepaid payment information and credit ID output from the credit management device in a recording unit for each transaction;
Usage status calculation means for calculating usage status for each user based on prepaid payment information and credit ID / user correspondence information recorded in the recording unit;
It is characterized by having.
(16) (17) The credit ID lending system according to the present invention is:
A credit ID lending system comprising a credit management device of a credit company, a lending organization management device of a lending organization, a card settlement device of a user organization, and a portable recording medium possessed by a user,
The portable recording medium is
A recording unit that records the credit ID;
Data exchange means for exchanging data with the card payment device;
With
Card payment device
Data exchange means for exchanging data with a portable recording medium and a credit management device;
A recording unit that records the electronic value balance in association with each credit ID;
ID acquisition means for acquiring a credit ID from a portable recording medium corresponding to the use performed by the user at the user organization;
The electronic value balance corresponding to the acquired credit ID is acquired with reference to the recording unit, the payment amount corresponding to the use of the user is subtracted from the electronic value balance, and the electronic value balance after the subtraction is determined as a predetermined replenishment determination. A determination means for determining whether or not the amount is less than or equal to the amount;
If it is not less than the replenishment judgment amount, the subtracted electronic value balance is recorded in the recording unit. Electronic value balance updating means for recording the electronic value balance in the recording unit;
Prepaid payment information output means for outputting prepaid payment information including a payment amount corresponding to the use of the user and a credit ID to a credit management device;
Credit settlement information output means for outputting credit settlement information and credit ID including the supplement amount to the credit management device when the electronic value is supplemented;
With
Credit management device
A recording unit that records a plurality of credit IDs issued to a lending institution and credit IDs and lending institution correspondence information associated with each lending institution;
Data exchange means for exchanging data with the card settlement device and the lending institution management device;
A payment information recording means for recording the credit ID and the credit payment information output from the card payment device in a recording unit for each transaction;
A payment amount calculation means for calculating a credit payment amount for each lending institution based on the credit settlement information and the credit ID / lending institution correspondence information recorded in the recording unit;
Prepaid settlement information output means for outputting the prepaid settlement information and credit ID output from the card settlement apparatus to the lending institution management apparatus corresponding to the credit ID based on the credit ID / lending institution correspondence information;
With
Lending organization management device
For a plurality of credit IDs issued by the credit company to the lending institution, a recording unit that records credit ID / user correspondence information that associates user information of users assigned to each credit ID;
Data exchange means for exchanging data with the credit management device;
Payment information recording means for recording the prepaid payment information and the credit ID output from the credit management device in a recording unit for each transaction;
Usage status calculation means for calculating usage status for each user based on prepaid payment information and credit ID / user correspondence information recorded in the recording unit;
It is characterized by having.

  Accordingly, the credit company can safely operate the credit card system even when the credit card is lent by a lending institution. Further, the user can make an electronic payment using the electronic value recorded on the lent credit card, and does not need to perform a credit payment process every time it is used. Furthermore, the lending institution can lend a credit card only to a necessary user, and can grasp the usage situation for each user.

(5) (6) The credit ID lending system according to the present invention is:
A credit ID lending system comprising a credit management device of a credit company, a lending organization management device of a lending organization, a card settlement device of a user organization, and a portable recording medium possessed by a user,
The portable recording medium is
A recording unit that records the credit ID;
Data exchange means for exchanging data with the card payment device;
With
Card payment device
A data recording means for exchanging data with a portable recording medium, a lending institution management device, a credit management device;
A recording unit that records the electronic value balance in association with each credit ID;
ID acquisition means for acquiring a credit ID from a portable recording medium corresponding to the use performed by the user at the user organization;
The electronic value balance corresponding to the acquired credit ID is acquired with reference to the recording unit, the payment amount corresponding to the use of the user is subtracted from the electronic value balance, and the electronic value balance after the subtraction is determined as a predetermined replenishment determination. A determination means for determining whether or not the amount is less than or equal to the amount;
If it is not less than the replenishment judgment amount, the subtracted electronic value balance is recorded in the recording unit. Electronic value balance updating means for recording the electronic value balance in the recording unit;
Prepaid settlement information output means for outputting prepaid settlement information including a settlement amount corresponding to the use of the user and a credit ID to a lending institution management device;
Credit settlement information output means for outputting credit settlement information and credit ID including the supplement amount to the credit management device when the electronic value is supplemented;
With
Credit management device
A recording unit that records a plurality of credit IDs issued to a lending institution and credit IDs and lending institution correspondence information associated with each lending institution;
Data exchange means for exchanging data with the card payment device;
A payment information recording means for recording the credit ID and the credit payment information output from the card payment device in a recording unit for each transaction;
A payment amount calculation means for calculating a credit payment amount for each lending institution based on the credit settlement information and the credit ID / lending institution correspondence information recorded in the recording unit;
With
Lending organization management device
For a plurality of credit IDs issued by the credit company to the lending institution, a recording unit that records credit ID / user correspondence information that associates user information of users assigned to each credit ID;
Data exchange means for exchanging data with the card payment device;
Payment information recording means for recording the credit ID and prepaid payment information output from the card payment device in a recording unit for each transaction;
Usage status calculation means for calculating usage status for each user based on prepaid payment information and credit ID / user correspondence information recorded in the recording unit;
It is characterized by having.
(10) (11) The credit ID lending system according to the present invention is:
A credit ID lending system comprising a credit management device of a credit company, a lending organization management device of a lending organization, a card settlement device of a user organization, and a portable recording medium possessed by a user,
The portable recording medium is
A recording unit for recording a credit ID and prepaid payment information;
Data exchange means for exchanging data with the card settlement device and the lending institution management device;
With
Card payment device
Data exchange means for exchanging data with a portable recording medium and a credit management device;
A recording unit that records the electronic value balance in association with each credit ID;
ID acquisition means for acquiring a credit ID from a portable recording medium corresponding to the use performed by the user at the user organization;
The electronic value balance corresponding to the acquired credit ID is acquired with reference to the recording unit, the payment amount corresponding to the use of the user is subtracted from the electronic value balance, and the electronic value balance after the subtraction is determined as a predetermined replenishment determination. A determination means for determining whether or not the amount is less than or equal to the amount;
If it is not less than the replenishment judgment amount, the subtracted electronic value balance is recorded in the recording unit. Electronic value balance updating means for recording the electronic value balance in the recording unit;
Prepaid payment information output means for outputting and recording prepaid payment information including a payment amount corresponding to the use of the user on a portable recording medium;
Credit settlement information output means for outputting credit settlement information and credit ID including the supplement amount to the credit management device when the electronic value is supplemented;
With
Credit management device
A recording unit that records a plurality of credit IDs issued to a lending institution and credit IDs and lending institution correspondence information associated with each lending institution;
Data exchange means for exchanging data with the card payment device;
A payment information recording means for recording the credit ID and the credit payment information output from the card payment device in a recording unit for each transaction;
A payment amount calculation means for calculating a credit payment amount for each lending institution based on the credit settlement information and the credit ID / lending institution correspondence information recorded in the recording unit;
With
Lending organization management device
For a plurality of credit IDs issued by the credit company to the lending institution, a recording unit that records credit ID / user correspondence information that associates user information of users assigned to each credit ID;
Data exchange means for exchanging data with a portable recording medium;
Payment information recording means for recording the prepaid payment information read from the portable recording medium in the recording unit for each transaction;
Usage status calculation means for calculating usage status for each user based on prepaid payment information and credit ID / user correspondence information recorded in the recording unit;
It is characterized by having.
(16) (17) The credit ID lending system according to the present invention is:
A credit ID lending system comprising a credit management device of a credit company, a lending organization management device of a lending organization, a card settlement device of a user organization, and a portable recording medium possessed by a user,
The portable recording medium is
A recording unit that records the credit ID;
Data exchange means for exchanging data with the card payment device;
With
Card payment device
Data exchange means for exchanging data with a portable recording medium and a credit management device;
A recording unit that records the electronic value balance in association with each credit ID;
ID acquisition means for acquiring a credit ID from a portable recording medium corresponding to the use performed by the user at the user organization;
The electronic value balance corresponding to the acquired credit ID is acquired with reference to the recording unit, the payment amount corresponding to the use of the user is subtracted from the electronic value balance, and the electronic value balance after the subtraction is determined as a predetermined replenishment determination. A determination means for determining whether or not the amount is less than or equal to the amount;
If it is not less than the replenishment judgment amount, the subtracted electronic value balance is recorded in the recording unit. Electronic value balance updating means for recording the electronic value balance in the recording unit;
Prepaid payment information output means for outputting prepaid payment information including a payment amount corresponding to the use of the user and a credit ID to a credit management device;
Credit settlement information output means for outputting credit settlement information and credit ID including the supplement amount to the credit management device when the electronic value is supplemented;
With
Credit management device
A recording unit that records a plurality of credit IDs issued to a lending institution and credit IDs and lending institution correspondence information associated with each lending institution;
Data exchange means for exchanging data with the card settlement device and the lending institution management device;
A payment information recording means for recording the credit ID and the credit payment information output from the card payment device in a recording unit for each transaction;
A payment amount calculation means for calculating a credit payment amount for each lending institution based on the credit settlement information and the credit ID / lending institution correspondence information recorded in the recording unit;
Prepaid settlement information output means for outputting the prepaid settlement information and credit ID output from the card settlement apparatus to the lending institution management apparatus corresponding to the credit ID based on the credit ID / lending institution correspondence information;
With
Lending organization management device
For a plurality of credit IDs issued by the credit company to the lending institution, a recording unit that records credit ID / user correspondence information that associates user information of users assigned to each credit ID;
Data exchange means for exchanging data with the credit management device;
Payment information recording means for recording the prepaid payment information and the credit ID output from the credit management device in a recording unit for each transaction;
Usage status calculation means for calculating usage status for each user based on prepaid payment information and credit ID / user correspondence information recorded in the recording unit;
It is characterized by having.

  Accordingly, the credit company can safely operate the credit card system even when the credit card is lent by a lending institution. Further, the user can make an electronic payment using the electronic value recorded on the lent credit card, and does not need to perform a credit payment process every time it is used. Furthermore, the lending institution can lend a credit card only to a necessary user, and can grasp the usage situation for each user.

(7) (8) In the credit ID lending system according to the present invention,
The recording unit of the card payment apparatus records a plurality of credit IDs as a group,
The determination means of the card settlement apparatus totals the electronic value balance after subtraction and the electronic value balance corresponding to another credit ID belonging to the same group as the credit ID, and the total electronic value balance is equal to or less than a predetermined replenishment determination amount Determine whether or not
The electronic value balance updating means of the card settlement apparatus is characterized in that replenishment is performed if the total electronic value balance is equal to or less than a replenishment determination amount.

  Therefore, since the necessity of the supplement process is determined in consideration of the electronic value balances of other users in the group, the number of supplement processes can be reduced as a whole, and convenience is improved.

(9) In the credit ID lending system according to the present invention,
The replenishment of the electronic value is characterized in that the electronic value balance of the credit ID in the group after the replenishment is performed so as to have the same predetermined amount.

  Therefore, the electronic value of another user can be updated at the same time starting from one user in the group.

(10) In the credit ID lending system according to the present invention,
The replenishment of electronic value is performed so that the electronic value balance of credit IDs in the group after replenishment becomes a predetermined amount set for each credit ID.

  Therefore, the electronic value of another user can be updated at the same time starting from one user in the group.

(11) In the credit ID lending system according to the present invention,
The recording unit of the card payment apparatus records a plurality of credit IDs as a group,
The determination means of the card payment apparatus further determines whether or not the payment amount is larger than the electronic value balance,
When the payment amount is larger than the electronic value balance, the electronic value balance updating means of the card payment device subtracts the shortage amount from the electronic value balance of another credit ID belonging to the same group as the credit ID. It is characterized by updating.

  Therefore, the electronic value balance can be shared and used between predetermined groups, and the number of replenishment processes for each card can be reduced.

(12) In the credit ID lending system according to the present invention,
The prepaid payment information output means of the card payment device is characterized by transmitting prepaid payment information and a credit ID to the lending institution management device.

  Therefore, the lending organization can immediately obtain prepaid payment information regarding the user who lent the credit card. Thereby, a user's utilization condition can be grasped in real time.

(13) In the credit ID lending system according to the present invention,
The prepaid payment information output means of the card payment apparatus records the prepaid payment information on the portable recording medium by the data exchange means,
The settlement information recording means of the lending institution management device is characterized in that the credit ID and prepaid settlement information recorded in the portable recording medium are read out and recorded in the recording unit of the lending institution management device.

  Therefore, even when the lending institution management device of the lending institution is not communicable with the card settlement device, the lending institution can acquire the usage status of the credit card.

(14) In the credit ID lending system according to this invention,
The prepaid payment information output means of the card payment apparatus records the prepaid payment information in the recording unit of the credit server apparatus by the data exchange means,
The payment information recording means of the lending institution management device records the credit ID and prepaid payment information given from the credit server device in a recording unit of the lending institution management device.

  Therefore, even if the card settlement apparatus can communicate with only the credit management apparatus, the lending institution management apparatus can reliably acquire the settlement information via the credit management apparatus.

(15) In the credit ID lending system according to the present invention,
The replenishment determination amount is recorded in the recording unit of the portable recording medium. Therefore, the card settlement apparatus does not need to search for the replenishment determination amount for each credit ID. As a result, the replenishment process can be simplified.

(16) In the credit ID lending system according to the present invention,
The replenishment determination amount is recorded in the recording unit of the card settlement apparatus. Therefore, it is not necessary to record the replenishment determination amount on the portable recording medium. Thereby, the configuration of the portable recording medium can be simplified.

(17) (18) (19) (20) In the credit ID lending system according to the present invention,
The card payment device is equipped with an automatic ticket gate installed in transportation facilities and a user organization management device.
The automatic ticket gate includes ticket gate data exchange means, ID / value acquisition means, determination means, and electronic value balance update means that constitute a part of the data exchange means,
The ticket gate data exchange means exchanges data with a portable recording medium and a user organization management device.
The usage period management device comprises a management device data exchange means, a prepaid payment information output means, and a credit payment information output means that constitute a part of the data exchange means,
The management device data exchange means exchanges data with an automatic ticket gate, a lending institution management device, and a credit management device.

  Therefore, the user can use the transportation facility by using the credit card in which the lent credit ID is recorded. That is, the user can pass through the automatic ticket gate without cash.

(21) (22) (23) (24) In the credit ID lending system according to the present invention,
The card payment device includes an in-vehicle device installed in a car and a user organization management device.
The vehicle-mounted device includes vehicle-mounted device data exchange means, ID / value acquisition means, determination means, and electronic value balance update means that constitute a part of the data exchange means,
The vehicle-mounted device data exchanging means is for exchanging data with a portable recording medium, a user organization management device,
The user institution management device includes a management device data exchange means, a prepaid payment information output means, and a credit payment information output means that constitute a part of the data exchange means,
The management device data exchange means exchanges data with an in-vehicle device, a lending institution management device, and a credit management device.

  Therefore, the system can be configured using a credit card compatible with ETC (Electronic Toll Collection System) / DSRC (Dedicated Short Range Communication).

(25) In the credit ID lending system according to the present invention,
The lending organization and the user are in a user-employee relationship, and the user lends a portable recording medium to multiple employees,
The usage status calculation means of the lending institution management apparatus is characterized in that the total usage amount for each employee is calculated based on the prepaid payment information and the credit ID / user correspondence information recorded in the recording unit.

  Therefore, even if the employee who is a user does not apply for transportation expenses, the user can pay for transportation expenses. As a result, it is possible to reduce the work man-hours and improve productivity in a company or the like.

(26) In the credit ID lending system according to the present invention,
The lending organization and the user have a relationship between the accommodation facility and the guest, and the accommodation facility lends a portable recording medium to a plurality of guests,
The usage status calculation means of the lending institution management apparatus calculates the total usage amount for each guest based on the prepaid payment information and the credit ID / user correspondence information recorded in the recording unit.

  Therefore, even if a foreign guest who is a user does not have the currency of the country of stay, he / she pays to a third party using a credit card loaned from the accommodation facility and collects it from the accommodation facility. Can be charged.

(27) In the credit ID lending system according to the present invention,
The portable recording medium is a credit card,
The credit company is the first credit company, the lending institution is the second credit company that the user is enrolled in,
The second credit company lends the credit card of the first credit company to the user;
The payment amount calculation means of the credit management device calculates the amount charged for each second credit company by summing the payment amounts for each of the plurality of second credit companies,
The utilization status calculation means of the lending institution management apparatus is characterized in that the amount charged for each user is calculated by adding the settlement amounts for each user.

  Therefore, even if the user does not own the credit card of the first credit company, the user can use the credit card. Further, since the charge is made based on the credit card of the second credit company, the user can make a credit settlement without disclosing the credit card number owned by the store or the like. Thereby, even when there is a possibility of skimming, the credit card number can be prevented from being leaked and the credit card can be used safely.

(30) In the credit ID lending system according to the present invention,
A credit ID lending system comprising a credit management device of a credit company, a lending organization management device of a lending organization, and a card settlement device of a user organization,
The credit management device records a plurality of credit IDs issued to the lending institution and credit ID / lending institution correspondence information in which each lending institution is associated,
The lending institution management device corresponds to the user information of the user assigned to each credit ID for a plurality of credit IDs issued to the lending institution by the credit company and recorded in association with the lending institution in the credit management device. Recorded credit ID and user correspondence information,
The card payment device outputs the credit ID of the user and the payment information of the commercial transaction to the lending institution management device and the credit management device in response to the business transaction performed by the user at the user organization,
The lending institution management device records the credit ID and payment information received from the card payment device for each transaction, and outputs the usage status for each user based on the recorded payment information and credit ID / user correspondence information. ,
The credit management device records the credit ID and payment information received from the card payment device for each transaction, and outputs the payment amount for each loan organization based on the recorded payment information and credit ID / loan organization correspondence information. It is characterized by

  Accordingly, the credit company can safely operate the credit card system even when the credit card is lent by a lending institution. Further, the user can make an electronic payment using the electronic value recorded on the lent credit card, and does not need to perform a credit payment process every time it is used. Furthermore, the lending institution can lend a credit card only to a necessary user, and can grasp the usage situation for each user.

(31) (32) (33) (34) (36) In the credit ID lending system according to the present invention,
A credit ID lending system comprising a credit management device of a credit company, a lending organization management device of a lending organization, and a card settlement device of a user organization,
Card payment device
A data exchange means for exchanging data with a lending institution management device and a credit management device;
Credit ID acquisition means for acquiring a credit ID of the user in response to a commercial transaction performed by the user at the user organization;
Payment information acquisition means for acquiring payment information including at least the payment amount of the commercial transaction;
Payment information output means for outputting the credit ID and the payment information to the lending server device and the credit server device;
With
Credit management device
A recording unit that records a plurality of credit IDs issued to a lending institution and credit IDs and lending institution correspondence information associated with each lending institution;
Data exchange means for exchanging data with the card payment device;
A payment information recording means for recording the credit ID and payment information received from the card payment device in a recording unit for each transaction;
A payment amount calculating means for calculating a payment amount for each lending institution based on the settlement information recorded in the recording unit and the credit ID / lending institution correspondence information;
With
Lending organization management device
Credit IDs and users associated with user information assigned to each credit ID for a plurality of credit IDs issued to the lending institution by the credit company and recorded in association with the lending institution in the credit management device A recording unit that records correspondence information;
A communication means for exchanging data with the card payment device;
A payment information recording means for recording the credit ID and the payment information transmitted from the card payment apparatus in a recording unit for each transaction;
Usage status calculation means for calculating usage status for each user based on the payment information and credit ID / user correspondence information recorded in the recording unit;
It is characterized by having.

  Accordingly, the credit company can safely operate the credit card system even when the credit card is lent by a lending institution. Further, the user can make an electronic payment using the electronic value recorded on the lent credit card, and does not need to perform a credit payment process every time it is used. Furthermore, the lending institution can lend a credit card only to a necessary user, and can grasp the usage situation for each user.

(35) In the credit ID lending system according to the present invention,
The portable recording medium is a credit card,
The credit company is the first credit company, the lending institution is the second credit company that the user is enrolled in,
The second credit company lends the credit card of the first credit company to the user;
The payment amount calculation means of the credit management device calculates a charge amount for each second credit company by totaling the payment amounts for each of the plurality of second credit companies,
The utilization status calculation means of the lending institution management device is characterized in that the amount charged for each user is calculated by summing the settlement amounts for each user.

  Therefore, even if the user does not own the credit card of the first credit company, the user can use the credit card. Further, since the charge is made based on the credit card of the second credit company, the user can make a credit settlement without disclosing the credit card number owned by the store or the like. Thereby, even when there is a possibility of skimming, the credit card number can be prevented from being leaked and the credit card can be used safely.

  The terms used in this specification are defined as follows.

  “Electronic value” refers to the monetary value indicated by data.

  “Supplementary amount” refers to the amount of electronic value to be supplemented.

  The “replenishment determination amount” refers to an amount for determining whether or not to supplement electronic value.

  “Credit” refers to credit sales in which a settlement means or the like is determined in advance and a commercial transaction is performed based on a card or card number for identifying a user.

  “Usage performed by the user” includes not only the use of services and the like, but also the purchase of goods at a store.

  “Output of payment information from the card payment apparatus to the lending institution management apparatus” includes not only direct transmission but also transmission through another computer or the like. In addition, the case where it sends via a credit management apparatus is also included.

  Similarly, “outputting payment information from the card payment apparatus to the credit management apparatus” includes not only direct transmission but also transmission through another computer or the like.

  “Acquisition of payment information in the payment information acquisition means” includes both the case where the card payment apparatus calculates and calculates, and the case where the store clerk inputs and inputs to the card payment apparatus.

  Embodiments of the present invention will be described below with reference to the drawings.

1. First Embodiment 1-1. Overall Configuration FIG. 1 shows an overall configuration diagram of a credit ID lending system according to the present invention. In this figure, credit cards 1a to 1c (portable recording media) possessed by a user who is an employee and an automatic ticket gate system 3 (card settlement apparatus) installed in a transportation facility which is a user organization can communicate. The automatic ticket gate system 3 includes an automatic ticket gate 3A that directly communicates with a credit card, and an automatic ticket gate controller 3B (user organization management device) that communicates with a plurality of automatic ticket gates 3A.

  In the present embodiment, a case will be described in which a credit card, which is a non-contact type IC card, is used to pass through an automatic ticket gate 3A installed in a transportation facility. A credit ID lent from a credit company is recorded in the credit card.

  The automatic ticket gate system 3 and the credit server 5 installed in the credit company, and the automatic ticket gate system 3 and the loan server devices 7 to 11 (lending organization management devices) installed in the companies that are the loan institutions can communicate with each other.

  Although only one automatic ticket gate system 3 is shown in FIG. 1, there are actually a plurality of devices. The credit server device 5 (credit management device) and the lending server device 7 can communicate with each other.

The credit cards 1a to 1c are IC cards with a prepaid function issued to a company from a credit company. In a company that has been issued credit cards 1a to 1c, credit cards 1a to 1c are lent to employees who plan to use transportation.
The automatic ticket gate system 3 is a system including a plurality of automatic ticket gates 3A and an automatic ticket gate controller 3B which is a control device thereof. For example, there is at least one automatic ticket gate system 3 for each transportation facility. The automatic ticket gate system 3 collects credit IDs, prepaid payment information or credit payment information related to the credit cards 1 a to 1 c and transmits them to the credit server device 5 or the loan server device 7.

  In the automatic ticket gate system, a credit ID and a company loan server device are recorded in association with each other. In FIG. 1, the credit card “1a” is associated with the lending server device “7”.

  The credit server device 5 is a computer device installed in a credit company. The credit server device 5 is a device that receives a credit ID and credit settlement information from a transportation facility, pays a settlement fee on behalf of a company, and manages information for collectively charging the company for a predetermined period.

  The loan server devices 7 to 11 are computer devices installed in a company. The loan server devices 7 to 11 are devices that receive the credit ID and prepaid payment information in the prepaid payment paid by the employee with the electronic value of the credit card from the automatic ticket gate system 3, and perform the settlement processing of the transportation expenses. At least one of the lending server devices 7 to 11 is installed in each company that has made a use contract for the credit ID lending system according to the present invention with the credit company.

  In the loan server devices 7 to 11, a credit ID and an employee are recorded in association with each other. In FIG. 1, the credit card “1a” is associated with the employee “0001”.

1-1-1. Functional Block Diagram FIG. 1a shows a functional block diagram of a credit ID lending system according to the present embodiment.

  In this figure, a credit card 1a which is a portable recording medium includes a recording unit 1a1 and a data exchange unit 1a2.

  The recording unit 1a1 records a credit ID and an electronic value balance. The data exchange means 1a2 transmits / receives data to / from the automatic ticket gate 3A.

  The automatic ticket gate 3A of the automatic ticket gate system 3 constituting the card payment apparatus includes a ticket gate data exchange unit 3A1, an ID / value acquisition unit 3A2, a boarding station recording unit 3A3, a determination unit 3A4, an electronic value balance update unit 3A5, a settlement amount. Calculation means 3A6 is provided.

  The ticket gate data exchange means 3A1 transmits / receives data to / from the credit card 1a, the loan server device 7, and the credit server device 5. The ID / value acquisition unit 3A2 acquires a credit ID and an electronic value balance from the credit card 1a. The boarding station recording means 3A3 records information on the boarding station where the user boarded. The determination means 3A4 determines whether or not the electronic value balance after settlement is less than or equal to the replenishment determination amount. The electronic value balance update means 3A5 records the electronic value balance with the replenishment amount added to the credit card after the settlement amount is subtracted or the settlement amount is reduced. The payment amount calculation means 3A6 calculates the payment amount based on the boarding station information when getting off.

  An automatic ticket gate controller 3B, which is an institution managing device of the automatic ticket gate system 3 constituting the card payment device, includes a management device data exchange means 3B1, a credit payment information output means 3B2, and a prepaid payment information output means 3B3. The management device data exchanging means 3B1 transmits / receives data to / from the automatic ticket gate 3A, the loan server device 7, and the credit server device 5. The credit settlement information output means 3B2 is for outputting the credit settlement information and the credit ID of the settlement amount generated by supplementing the electronic value to the credit server device 5. The prepaid payment information output means 3B3 outputs the prepaid payment information of the payment amount generated by using the electronic value and the credit ID directly or indirectly to the lending server device 7.

  The lending server device 7 which is a lending organization management device includes a data exchanging means 71, a recording unit 72, a settlement information recording means 73, and a usage status calculating means 74.

  The data exchanging means 71 exchanges data with the automatic ticket gate controller 3B. The recording unit 72 records user information in which the credit ID assigned to the credit card is associated with the information of the user who lent the credit card. The settlement information recording means 73 records prepaid settlement information and credit ID received directly or indirectly from the automatic ticket gate controller 3B for each transaction. Based on the credit ID recorded in the recording unit 72, the usage status calculation unit 74 refers to prepaid payment information and user information, and calculates the usage status for each user.

  The credit server device 5 that is a credit management device includes a data exchange unit 56, a recording unit 57, a settlement information recording unit 58, and a settlement amount calculation unit 59.

  The data exchanging means 56 transmits and receives data with at least the card settlement apparatus. The recording unit 57 records lending institution information in which the credit ID issued to the lending institution is associated with the lending institution. The settlement information recording means 58 records the credit ID and the credit settlement information received from the automatic ticket gate controller 3B for each transaction. The settlement amount calculation means 59 calculates the credit settlement amount for each lending institution with reference to the credit settlement information and the lending institution information based on the credit ID.

1-2. Outline A company applies to a credit company to issue a credit card, and receives a required number of credit cards from the credit company.

  At this time, the credit company calculates the number of cards that can be issued after crediting in units of companies and determining the usage limit of the company.

  For example, the number obtained by dividing the determined usage limit amount by the usage limit amount per credit card is the number of cards that can be issued by the company. Accordingly, the credit company can issue a credit card within the range of the usage limit if the required number of applications requested by the company does not exceed the issuable number.

  A company that has been issued a credit card lends credit cards 1a to 1c to employees who plan to use transportation facilities in business.

  Employees who have received credit cards 1a to 1c use the credit cards when using transportation facilities on a business trip or the like.

  In the credit cards 1a to 1c, a credit ID for identifying a user and an electronic value balance for paying a boarding fee are recorded. In the automatic ticket gate system 3, the credit card 1a to 1c Prepaid payment is performed by subtracting the boarding fee from the electronic value balance recorded in 1c. In addition, when the electronic value balance after the prepaid payment is equal to or less than a predetermined replenishment determination amount, a credit settlement for replenishing the same amount of electronic value as the predetermined replenishment amount is performed.

  The payment information generated by the prepaid payment and the credit ID of the credit card are transmitted to the corporate loan server device 7, and the payment information generated by the credit payment and the credit ID of the credit card are respectively transmitted to the credit server device 5 of the credit company. Is done.

  Upon receipt of the payment information for the prepaid payment, the loan server device 7 performs a payment process for the transportation cost for the employee specified by the credit ID received at the same time. Specifically, the prepaid payment information and the user information are linked based on the credit ID, the payment information for each user is extracted, and the usage status for each user is calculated and recorded. The total amount calculated at this time is settled as the employee's transportation expenses.

  Upon receiving the payment information of the credit settlement, the credit server device 5 performs a billing process for a credit transaction related to the company specified by the credit ID received at the same time. Specifically, the credit settlement information and the company information are linked based on the credit ID, the settlement information for each company is extracted, and the settlement amount for each company is calculated and recorded. The total amount calculated at this time is billed as a settlement amount to the company.

1-3. Hardware configuration 1-3-1. IC Card FIG. 2 shows a hardware configuration diagram of the credit cards 1a to 1c. The credit cards 1 a to 1 c are IC cards with a prepaid function, and include a CPU 20, a memory 21, and a communication circuit 22. The memory 21 stores a credit ID for identifying a user, a usable electronic value balance, a supplement amount when supplementing electronic value, a supplement determination amount for determining the supplement, and the like. The communication circuit 22 is a circuit for performing communication with other devices, and can be connected to the automatic ticket gate 3A here.

  In the present embodiment, a non-contact type IC card is used that is considered to be able to receive data by using an embedded coil (antenna) and be electromagnetically coupled to the automatic ticket gate 3A to perform data communication. .

1-3-2. Automatic ticket gate system The automatic ticket gate system 3 includes a plurality of automatic ticket gates 3A having a ticket gate function, and an automatic ticket gate controller 3B for controlling them. FIG. 3 shows a hardware configuration diagram of the automatic ticket gate 3A and the automatic ticket controller 3B.

  The automatic ticket gate 3A shown in FIG. 3A includes a CPU 30, a memory 31, a communication circuit 32, and an open / close gate 33. The memory 31 stores a payment program for performing a payment process by deducting the electronic value worth the boarding fare from the electronic value balance of the credit cards 1a to 1c. The communication circuit 33 is a circuit for performing communication with other devices, and can be connected to the credit cards 1a to 1c and the automatic ticket gate controller 3B here.

  An automatic ticket gate controller 3B shown in FIG. 3B is a normal computer device, and includes a CPU 34, a memory 35, a display 36, a hard disk 37, a keyboard / mouse 38, and a communication circuit 39. The hard disk 37 stores an invalid card database 371, a payment information database 372, a company database 373, and the like that are referred to in the payment program of the automatic ticket checker 3A for the credit cards 1a to 1c. The communication circuit 39 is a circuit for performing communication with other devices, and can be connected to the automatic ticket gate 3A, the credit server device 5, and the loan server device 7 here.

1-3-3. Credit Server Device FIG. 4 shows a hardware configuration diagram of the credit server device 5. The apparatus includes a CPU 40, a memory 41, a display 42, a hard disk 43, a keyboard / mouse 44, and a communication circuit 45. The hard disk 43 stores a card database 431 in which credit IDs and usage information of the credit cards 1a to 1c are recorded, a company database 432 that can identify a company from the credit ID, credit settlement information 433, and the like. The communication circuit 45 is a circuit for performing communication with other devices, and can be connected to the automatic ticket gate controller 3B and the lending server device 7 here.

1-3-4. Lending Server Device FIG. 5 shows a hardware configuration diagram of the lending server device 7. This apparatus includes a CPU 50, a memory 51, a display 52, a hard disk 53, a keyboard / mouse 54, and a communication circuit 55. The hard disk 53 stores a lending database 531, a prepaid payment information 532, a settlement database 533, and the like in which information relating to an employee who has lent a credit card is recorded. The communication circuit 55 is a circuit for performing communication with other devices, and can be connected to the automatic ticket gate controller 3B and the credit server device 5 here.

1-4. Issuance of credit card 1-4-1. Application by a company A company applies to a credit company to receive a credit card that can be used as a boarding ticket in transportation.

  The application is performed by using an application form 60 as shown in FIG. The company indicates in the application 60 that the company name 61, the limit 63 per card set as electronic value in the credit cards 1a to 1c, and when the electronic value balance reaches or falls below that amount. The replenishment judgment amount 65 for determining replenishment, the replenishment amount 67 of electronic value at the time of replenishment, the desired number of issued sheets 69, etc. are entered and submitted to the credit company.

  Upon receipt of the application form, the credit company enters the data entered in the application form into the specified judgment system as data, and determines whether it is possible to issue a credit card to the company. .

1-4-2. Determination by Credit Company FIG. 7 shows an example of a flowchart in the determination system. The determination system is a computer device having the same hardware configuration as that of the credit server device 5 shown in FIG.

  The person in charge of the credit company inputs the contents described in the application form 60 on the determination input screen 80 of the determination system shown in FIG. 8, and presses the determination button 81 (step S701).

  The CPU of the determination system extracts the credit information of the company from the company credit information database 90 based on the input company name (step S703). For example, the corporate credit information database 70 may be a database owned by an external credit research institution. Note that a company code used by a research institution or the like may be used instead of the company name.

  The CPU of the determination system performs an evaluation based on a predetermined index from the company credit information, and determines whether or not the company is credible (step S705). For example, a score representing the soundness of management can be acquired, and a company having a score of 70 or more out of 100 scores can be determined to be trustworthy. Note that the determination may be made by a credit company person in charge based on the acquired corporate credit information, and the result may be input to the determination system.

  In step S705, when the CPU determines that the company is “not trustworthy” (step S705, NO), the determination system outputs a “not-issueable message” to the display (step S715). For example, the screen 805 in FIG. 8 is displayed on the display.

  On the other hand, in step S705, when the CPU determines that the company is “trustworthy” (step S705, YES), the CPU calculates a “maximum number of issued sheets” (step S707).

  For example, the maximum number of issued sheets can be obtained as follows. First, the CPU acquires the company scale from the company credit information. For example, it is assumed that the company size is expressed as “large”, “medium”, or “small” based on the number of employees and capital. The CPU determines the maximum amount that is the sum of all the limits of credit cards to be issued based on the acquired company size.

  FIG. 9 shows an example of a maximum amount determination table for determining the maximum amount. For example, when the company size of the company name “ABC Inc.” is “medium”, the maximum limit is “5 million yen”.

  Next, a company limit is calculated based on the rating of the company name “ABC Inc.” and the determined maximum limit. For example, if the credit rating is 75 points, multiply the maximum limit of 5 million yen by 75 points and divide by 100. The company limit is 37.75 million yen. And can be calculated.

  Furthermore, as shown in FIG. 7, since the limit per sheet of “ABC Co., Ltd.” is “5000 yen”, the limit of “37.5 million yen” for the company is “5000 yen” per sheet. By dividing, the maximum number of issued sheets can be calculated as “750 sheets”.

  The CPU of the determination system compares the calculated maximum issue number with the input desired issue number to determine whether or not the issue is possible (step S709). For example, if the desired number of issued sheets is less than or equal to the maximum number of issued sheets, an “issueable message” is output (step S711). For example, the screen 803 in FIG. 8 is displayed on the display.

  In addition, if the desired number of issued sheets exceeds the maximum number of issued sheets, an “issue condition change message” is output to prompt the user to change the “condition limit per sheet” or “desired number of issued sheets”. For example, the screen 801 in FIG. 8 is displayed on the display.

  In this case, the credit company representative informs the company that the issue conditions need to be changed, and after obtaining approval to change the “limit per card” or “desired issue number”, And the determination process by the determination system may be performed again.

  As described above, by calculating the maximum number of cards to be issued for each company using the company credit information, it is possible to reduce the risk when the credit card is issued without a bearer. As a result, even if credit is given to each credit card user without crediting the credit card user, appropriate risk settings are made and the optimal number of credit cards is issued for each business. can do.

1-4-3. Registration in the company database When the “Issuable Message” is output in the determination system, the person in charge of the credit company registers the company information in the credit server device 5 in order to issue a credit card to the applying company. Process.

  In the registration process to the credit server device 5, information such as a credit ID is registered in the company database 432 in addition to the information on the application form 60 shown in FIG.

  FIG. 10 shows an example of the company database 432. In this database, company name 101, credit ID_FROM 103, credit ID_TO 105, replenishment determination amount 107, replenishment amount 109, issued number 100, and the like are registered. The credit ID_FROM 103 and the credit ID_TO 105 are automatically set based on the issued number 110.

  After registration, a plurality of credit cards registered for each company are issued by a predetermined credit card issuing device based on the registered contents of the company database 432. For example, as shown in FIG. 10, a total of 100 credit cards with credit IDs “001” to “100” are issued for the company name “ABC Inc.”.

  The data in the company database 432 is also transmitted to the automatic ticket gate controller 3B of the transportation facility, and is recorded on the hard disk 37 of the automatic ticket gate controller 3B as the company database 373. Thereby, the automatic ticket gate controller 3B can specify the lending server device of the company that transmits the prepaid payment information based on the company database 373.

1-5. Credit card lending A company that has been issued a plurality of credit cards from a credit company lends credit cards 1a to 1c to employees who plan to use transportation on a business trip or the like.

  When a credit card loan offer is received from the employee, the person in charge of the company registers the loan information in the loan database 531 of the loan server device 7.

  FIG. 11 shows an example of the loan database 531. In this database, an employee name 111, a department 113, a credit ID 115, and the like are registered.

  After registration, a predetermined credit card is loaned to the employee based on the registered contents of the loan database 531. For example, as shown in FIG. 11, a credit card with a credit ID “001” is lent to an employee “Ichiro Sato” (department “sales department”).

1-6. Use of credit card Employees who have received a credit card loan use the credit card to pay the boarding fee when using transportation.

  For example, in a transportation facility such as a railway, an automatic ticket gate system 3 is introduced, and an employee carries a loaned credit card and passes through the automatic ticket gate 3A. In the present embodiment, since a credit card of a non-contact type IC card is used, the function of inserting and transporting the card to the automatic ticket gate 3A is unnecessary.

  FIG. 12 is a flowchart of the settlement program of the automatic ticket gate 3A when the employee holding the credit cards 1a to 1c passes through the automatic ticket gate 3A of the automatic ticket gate system 3.

  The automatic ticket gate 3A writes boarding / departure information (boarding station) when an employee gets on the board, calculates a boarding fee based on the boarding / unloading information when getting off, and performs a settlement process. The processing of the automatic ticket gate 3A will be described.

  When an employee holding the credit cards 1a to 1c approaches the automatic ticket gate 3A, the automatic ticket gate 3A uses the communication circuit to get on / off information, credit ID, electronic value balance, replenishment judgment amount from the credit cards 1a to 1c. Information such as the replenishment amount is received (step S1101).

  For example, when the employee “Ichiro Sato” shown in FIG. 11 has the lent credit card 1a and passes through the automatic ticket gate 3A of “Kobe” station, the CPU 30 of the automatic ticket gate 3A determines that the boarding station “Osaka” ”, Credit ID“ 001 ”, electronic value balance“ 2500 yen ”, replenishment determination amount“ 2000 yen ”and replenishment amount“ 3000 yen ”.

  In this case, FIG. 11a shows an example of data recorded in the recording unit 1a1 of the credit card 1a. In this figure, the recording unit 1a1 of the credit card 1a includes a credit ID 110 “001”, an electronic value balance 112 “2500 yen”, a replenishment amount 114 “3000 yen”, a replenishment judgment amount 116 “2000 yen”, and a boarding station 118 “Osaka. Station "etc. are recorded.

  Upon receiving predetermined information from the credit cards 1a to 1c, the CPU 30 of the automatic ticket checker 3A performs an invalid card check process (step S1102). In the invalid card check process, the automatic ticket gate 3A refers to the invalid card database 371 of the automatic ticket gate controller 3B. That is, the CPU 30 of the automatic ticket gate 3A refers to the invalid card database 371 using the credit ID acquired from the credit cards 1a to 1c as a search key.

  FIG. 13 shows an example of the invalid card database 371. In this database, a credit ID 131, a company name 133, an invalid date 135, and the like are recorded. In step S1102, if the credit ID received from the credit cards 1a to 1c exists in the database, the CPU 30 of the automatic ticket checker 3A determines that “the credit card is an invalid card” (NO in step S1103).

  When the CPU 30 of the automatic ticket checker 3A determines that the credit cards 1a to 1c are invalid cards, the CPU 30 performs a process of invalidating the credit cards 1a to 1c (step S1104). For example, the electronic value balance is rewritten to 0.

  In step S1104, processing for invalidating the credit cards 1a to 1c is performed, and the CPU 30 of the automatic ticket gate 3A outputs a warning sound and closes the open / close gate 33 so that the user cannot pass through the automatic ticket gate 3A. (Step S1106).

  On the other hand, when the credit ID received from the credit cards 1a to 1c does not exist in the invalid card database 371 in step S1103 and the CPU 30 of the automatic ticket gate 3A determines that “the credit card is not an invalid card” (step S1103, YES), boarding fee settlement processing is performed (step S1105).

  In the settlement process, the CPU 30 of the automatic ticket gate 3A determines the boarding / alighting information (boarding station) received from the credit cards 1a to 1c and a predetermined charge table (not shown (depending on the station and boarding station where the automatic ticket gate is installed). The boarding fee is calculated based on the determined value)), and the electronic value of the same amount as the calculated boarding fee is subtracted from the electronic value balance received from the credit cards 1a to 1c.

  After the electronic value is subtracted, when the CPU 30 of the automatic ticket checker 3A transmits the contents of the payment processing as prepaid payment information to the automatic ticket check controller 3B, the automatic ticket check controller 3B records this in the payment information database 372 (step S1112).

  FIG. 14 shows an example of the payment information database 372. In this database, a payment type 141, a credit ID 143, a payment amount 145, a payment content 147, a payment date 149, and the like are recorded.

  For example, as shown in a record 1401 in FIG. 14, when the above-mentioned employee “Ichiro Sato” gets on at “Osaka” station and gets off at “Kobe” station, the boarding fee is “600 yen”. Data such as payment type “prepaid”, credit ID “001”, payment amount “600 yen”, payment contents “JR fare between Osaka and Kobe”, payment date “2002/8/5”, etc. are recorded in the payment information database 372. Is done.

  When the settlement process in step S1105 is completed, the CPU 30 of the automatic ticket gate 3A determines whether or not the electronic value balance after the subtraction is equal to or less than the replenishment determination amount received from the credit cards 1a to 1c (step S1107).

  For example, when the calculated boarding fee is “600 yen”, “600 yen” is subtracted from the above-mentioned electronic value balance “2500 yen”, and the electronic value balance after the subtraction becomes “1900 yen”. Further, since the replenishment determination amount of the credit card is “2000 yen”, the CPU 30 determines that “electronic value balance ≦ replenishment determination amount”.

  As in the above example, when the electronic value balance after the subtraction is equal to or less than the replenishment determination amount (step S1107, YES), the CPU 30 of the automatic ticket gate 3A performs the electronic value replenishment process (step S1109). .

  The electronic value replenishment process is performed by adding the electronic value of the same amount as the replenishment amount received from the credit cards 1a to 1c to the electronic value balance. That is, the replenishment amount is added to the subtracted electronic value balance to determine a new electronic value balance, which is transmitted to the credit cards 1a to 1c (step S1110). The credit cards 1 a to 1 c receive the new electronic value balance and record it in the memory 21.

  For example, since the electronic value balance after subtraction is “1900 yen” and the replenishment amount received from the credit cards 1a to 1c of the user is “3000 yen”, the new electronic value balance is “4900 yen”. Become.

  When the subtracted electronic value balance is larger than the replenishment determination amount, the CPU 30 of the automatic ticket checker 3A transmits the subtracted electronic value balance to the credit cards 1a to 1c as a new electronic value balance (step S1). S1108).

  After the electronic value replenishment process, the CPU 30 of the automatic ticket checker 3A records the content of the replenishment process as credit payment information in the payment information database 372 of the automatic ticket check controller 3B (step S1111).

  For example, as shown in the record 1403 of FIG. 14, when the employee “Ichiro Sato” gets off the “Kobe” station, the credit card 1a to 1c possessed by the automatic ticket checker 3A is replenished. The type “credit”, credit ID “001”, settlement amount “3000 yen”, settlement content “automatic replenishment at JR Kobe Station”, settlement date “2002/8/5” are recorded in the settlement information database 372.

1-7. Transmission of Payment Information The automatic ticket gate controller 3B transmits the payment information recorded in the payment information database 372 from each automatic ticket gate 3A to the lending server device 7 and the credit server device 5.

  FIG. 15 is a flowchart of a settlement information transmission processing program of the automatic ticket gate controller 3B in the automatic ticket gate system 3.

  The automatic ticket gate controller 3B performs processing for transmitting payment information periodically (for example, once a day, at 12:00 pm), and the payment information to the lending server device and the credit server device is almost the same timing. The processing in this case will be described below.

1-7-1. Transmission of prepaid payment information When a predetermined program for creating payment information is activated by a scheduled activation process by an OS or an application program, the CPU 34 of the automatic ticket controller 3B obtains credit ID information for each company from the company database 373. (Step S1511).

  For example, information is acquired from the company database shown in FIG. 10 in which the credit ID of the company name “ABC Inc.” is “001 to 100” and the credit ID of the company name “XYZ Shoji” is “101 to 200”.

  The CPU 34 extracts data with the payment type “prepaid” from the payment information database 372 as prepaid payment information for each company (step S1513). For example, a record 1401 shown in FIG. 14 is a part of data extracted as prepaid payment information of the company name “ABC Inc.”.

  The CPU 34 transmits the prepaid payment information extracted for each company to the lending server device 7 of the company (step S1515). In order to specify the company loan server device 7, the address information assigned to each company loan server device 7 may be recorded in the company database 373 in advance. For example, if the automatic ticket gate controller 3B and the lending server device 7 can be connected via a TCP / IP network, an IP address assigned to each lending server device 7 may be used.

  Upon receiving the transmission, the lending server device 7 of each company records prepaid payment information on the hard disk 53 (step S1501).

1-7-2. Transmission of credit settlement information When the processing for transmitting the prepaid settlement information to the company is completed, the CPU 34 extracts data for which the settlement type is “credit” from the settlement information database 372 as credit settlement information for each company (step S1517). . For example, a record 1403 shown in FIG. 14 is a part of data extracted as credit settlement information relating to the company name “ABC Inc.”.

  The CPU 34 transmits the extracted credit settlement information to the credit server device 5 of the credit company (step S1519). In order to specify the credit server device 5 of the credit company, the address information previously given to the credit server device 5 may be recorded in the company database 373 in the same manner as described above.

  Upon receiving the transmission, the credit server device 5 of the credit company records the credit settlement information on the hard disk 43 (step S1503).

1-8. Payment processing in a credit company The credit server device 5 performs payment processing to a transportation facility based on credit settlement information. This payment process is performed collectively for every predetermined period, for example, once a month.

  The CPU 40 of the credit server device 5 sums the payment amounts in the credit payment information recorded on the hard disk 43, calculates the payment amount based on this, and performs processing for depositing the payment amount into a predetermined account to the transportation facility. This payment process is the same as the conventional payment process between the credit card and the member store.

1-9. Invoicing process in credit company Further, in the credit company, the invoicing process to each company is performed based on the credit settlement information. This billing process is performed collectively at predetermined intervals, for example, once a month. FIG. 16 is a flowchart of the billing processing program by the credit server device 5.

  The CPU 40 of the credit server device 5 totals the payment amount for each company based on the credit payment information recorded on the hard disk 43 (step S1601). For example, in the case of the company name “ABC Inc.”, credit settlement information having a credit ID in the range of credit ID_FROM103 “001” and credit ID_TO105 “100” in the company database 432 shown in FIG. Calculate the total amount charged.

  The CPU 40 performs the account transfer of the billed amount from the financial institution account of the company that has a credit contract (step S1602). Specifically, the transfer request data is transmitted to the server device of the financial institution, and the transfer is performed from a predetermined account of the company to a predetermined account of the credit company.

  If the account transfer is not possible (step S1603, NO), the CPU 40 determines that the credit card number associated with the corresponding company is an invalid card, and creates information relating to this as invalid card information. The invalid card information is transmitted to the automatic ticket gate controller 3B (step S1604).

  Upon receiving the transmission, the automatic ticket gate controller 3B registers the company information related to the card number of the invalid card information in the invalid card database 371 (step S1606).

  As a result, the credit card registered in the invalid card database 371 of the automatic ticket gate controller 3B is subject to usage restrictions in the “invalid IC card check process (FIG. 12, step S1102)” when passing through the automatic ticket gate 3A.

  If direct debit is possible in step S1603 (step S1603, YES), the CPU 40 determines whether there is an unprocessed company, and if there is, returns to step S1601 and performs the same processing as above. (Step S1605, YES). If it does not exist, the billing process is terminated (step S1605, NO).

1-10. Checkout process in the company In the company, the checkout process is performed in response to the prepaid payment information from the automatic ticket controller 3B. FIG. 17 shows a flowchart of the settlement processing program.

  The CPU 50 of the loan server device 7 reads the prepaid payment information 532 recorded on the hard disk 53 (step S1701). For example, the prepaid payment information 532 is the same as the record 1401 of the payment information database shown in FIG.

  Based on the credit ID in each record of the prepaid payment information 532, the CPU 50 refers to the loan database 531 (FIG. 11) and acquires employee information such as the employee name and department (step S1703).

  The CPU 50 creates payment data based on the prepaid payment information 532 and the loan database 531 and records it in the payment database 533 (step S1705). FIG. 18 shows an example of the payment database 533. In this database, department 181, date 183, employee name 185, settlement content 187, amount 189 and the like are recorded.

  The company uses the recorded settlement database 533 to calculate expenses in each department. For example, an expense slip for transportation expenses can be automatically created by an expense settlement system.

1-11. Summary In this way, by introducing the credit ID lending system according to the present invention to a company, the cost of issuing a credit card to all employees can be suppressed, and the settlement work such as transportation expenses can be simplified and used. Can be promoted.

  In particular, in a company, it is not necessary to prepare cash for temporary payment during a business trip, and it is possible to immediately know the usage status of a credit card by an employee. As a result, risks such as theft and loss associated with cash management operations can be avoided.

  In addition, since the electronic value of the credit card is automatically replenished only when the employee is short, the prepaid settlement with high convenience is possible by reducing the number of credit processing. As a result, it is not necessary to fill in a slip in the travel expense settlement work, and the travel expenses can be recorded and input work can be reduced, so that business such as a business trip can be performed efficiently.

2. Second Embodiment In the first embodiment, the credit ID lending system according to the present invention has been described on the assumption that a company lends a credit card issued by a credit company to the employee. The present invention can also be applied to the case where an accommodation facility such as an inn or a hotel rents a credit card issued by a credit company to the guest.

  Thereby, the guest can use a credit card, without receiving issuing of a personal credit card. In particular, it is not necessary for a guest who is a foreign guest to prepare the currency of the country to be visited.

  In other words, by borrowing a credit card from the accommodation facility in the country you are visiting, you can reduce the hassle of issuing a new credit card, simplify payments for small payments such as transportation expenses, and use unfamiliar currencies It is possible to reduce the trouble of money exchange and management when doing so.

  Further, in a credit company, by issuing a credit card to a credible accommodation facility and lending it to a guest, it is possible to safely use the credit ID lending system and promote its use.

2-1. Overall Configuration FIG. 19 shows an overall configuration diagram when the credit ID lending system according to the present invention is introduced into an accommodation facility.

  In this figure, the system configuration of credit cards 1a to 1c1, automatic ticket gate 3A, automatic ticket gate controller 3B, credit server device 5, and loan server device 17 is the same as that of the first embodiment (FIG. 1).

  The credit cards 1a to 1c1 are IC cards with a prepaid function issued from a credit company to an accommodation facility. In the accommodation facility that receives the issuance of the credit cards 1a to 1c1, the credit cards 1a to 1c1 are lent to guests who plan to use the transportation facility.

  The automatic ticket gate system 3 and the credit server device 5 are devices that perform the same processing as in the first embodiment.

  The loan server device 17 is a computer device installed in the accommodation facility, and performs the same processing as the loan server device 7 installed in the company in the first embodiment.

  The outline, hardware configuration, credit card issuance, credit card lending, credit card use, payment information transmission, payment processing at the credit company, and billing processing at the credit company are the same as in the first embodiment.

2-2. In the present embodiment, in the description and drawings described in the first embodiment, “company” is “accommodation facility”, and “employee” is “guest”. The point is different. The “department” in the “employee” corresponds to the “room number” in the “guest”.

  In the first embodiment, the credit company issues a credit card to the company and the company lends the employee a credit card. In this embodiment, the credit company issues a credit card to the accommodation facility. Then, the accommodation facility lends credit cards 1a to 1c to the guest.

  When the guest uses the credit card 1a to 1c which has been lent, the transportation information is transmitted to the rental server device 17 of the accommodation facility and the credit server device 5 of the credit company. That is, the prepaid payment information is transmitted to the lending server device 17 and the credit payment information is transmitted to the credit server device 5.

  Receiving the prepaid payment information, the loan server device 17 creates a settlement database as in the first embodiment.

  An example of a settlement database (accommodation facility) recorded in the loan server device 17 in the present embodiment is shown in FIG. In this database, room number 201, date 203, guest name 205, settlement contents 207, amount 209, and the like are recorded.

  In the accommodation facility, the settlement processing of the payment amount of the credit card for each room number is performed based on the recorded settlement database (accommodation facility).

  Therefore, at the time of check-out of the outside customer, it is possible to charge the settlement amount by using the credit card together with the accommodation fee.

2-3. Summary In this way, when the credit card is issued by a person who has been issued a credit card by applying the present invention when there is a certain credit relationship, such as an accommodation facility and its guest, Even if it exists, it can be made to use, confirming the utilization condition of a credit card, and the unintended use by a 3rd party can be prevented.

  Thereby, even if a person who has been issued a credit card lends a credit card to a third party, the credit company can safely operate the system and reliably collect the payment.

3. 3rd Embodiment In 2nd Embodiment, although the loan server apparatus was installed in the accommodation facilities, such as an inn and a hotel, and the case where the payment price of a credit card was settled together with an accommodation charge was demonstrated, lending The server device may be installed in a predetermined lending organization other than the accommodation facility.

  For example, a loan server device may be installed in a local corporation or a local agency in a visiting country of a credit company with which a user who is a foreign customer contracts in his country.

  Generally, a credit card can be used only at a member store contracted with a credit company. However, depending on the country, there are cases where there are few member stores of a specific credit company, and there may be a case where a credit card used by a foreign customer cannot be used satisfactorily.

  In this case, if the user does not have a credit card issued in advance from a credit company that is easy to use in the visited country, credit settlement cannot be performed in that country.

  In some countries, card crimes occur frequently, and the creation of counterfeit cards by skimming is inundated. Under such circumstances, foreign customers cannot use their own credit cards with confidence in the visiting country.

  Therefore, in the present embodiment, a credit ID lending system capable of performing safe and convenient credit settlement without presenting a home country credit card at a store or the like will be described.

3-1. Overall Configuration FIG. 21 shows an overall configuration diagram when the credit ID lending system according to the present invention is introduced into a local corporation or the like of a second credit company with which a user who is a foreign customer contracts in his country.

  In this figure, the system configuration of the credit card 211, the automatic ticket gate 3A, the automatic ticket gate controller 3B, the credit server device 5, and the loan server device 217 is the same as in the first and second embodiments (FIGS. 1 and 19). is there.

  The credit card 211 is an IC card with a prepaid function issued from a first credit company to a second credit company. In the second credit company that has issued the credit card 211, the credit card 211 is lent to an external customer (user) who is a member of the second credit company.

  The automatic ticket gate system 3 and the credit server device 5 are devices that perform the same processing as in the first embodiment.

  The lending server device 217 is a computer device installed in a local corporation of a second credit company with which the user has a contract in his country, and is similar to the lending server device 7 installed in the company in the first embodiment. Process.

  Overview, hardware configuration, credit card issuance, credit card lending, use of credit card, payment information transmission, payment processing at the credit company, and billing processing at the credit company are the same as in the first and second embodiments. is there.

3-2. Checkout process in the second credit company In the present embodiment, the “company” is the “second credit company” in the description and drawings described in the first embodiment, and the “employee” is The difference is that it is a “user”. Further, “department” in “employee” corresponds to “credit card number” in “user”.

  In the first embodiment, the credit company issues a credit card to the company, and the company lends a credit card to the employee. In this embodiment, the credit company credits the second credit company. The card is issued and the second credit company lends the credit card to a user who is a member of the second credit company.

  That is, the user who is a foreign customer uses the credit card of the first credit company loaned from the second credit card company in the visiting country without using the second credit card issued in his country. Make each credit payment.

  When the user uses the credit card 211 that has been lent, the payment information is transmitted to the loan server device 217 of the second credit company and the credit server device 5 of the first credit company, respectively. That is, the prepaid payment information is transmitted to the lending server device 217 and the credit payment information is transmitted to the credit server device 5.

  Upon receipt of the prepaid payment information, the lending server device 217 creates a settlement database as in the first embodiment.

  FIG. 22 shows an example of a settlement database (second credit company) recorded in the lending server device 217 in the present embodiment. In this database, the second credit card number 221, date 223, user name 225, payment details 227, amount 229, and the like are recorded.

  In the local corporation of the second credit company, the settlement processing of the payment amount of the credit card with the second credit card number is performed based on the recorded settlement database (second credit company). Therefore, based on the 2nd credit card which the user contracts, the payment amount by the use of the said credit card can be settled.

  For example, based on the record 2201 of FIG. 22, the amount of payment “600 yen” as the payment content “JR boarding fee between Osaka and Kobe” on the date “2003/8/1” is the second of the user name “P McCartney”. From the credit card number “1111”.

3-3. Summary In this way, by applying the present invention at a local corporation of a second credit company with which a user who is a foreign customer contracts in his / her country, the user is lent to the credit card of the first credit company and visited It is possible to make a credit settlement in the country and pay for the credit settlement using a second credit card which is a credit card contracted in the home country.

  Further, since the home country credit card is not used in the visited country, the home country credit card number is not disclosed to a store or the like, and the credit card can be settled.

  Accordingly, even when there are few credit card member stores issued in the home country, it is possible to promote the use of a credit card of an external customer at a member store of another credit company.

  Even in countries where card crimes occur frequently, damage due to skimming can be prevented and credit cards can be used safely by outside customers.

  In the above, the second credit company, which is a lending institution, is based on the premise of a local corporation or a local agency. However, a contract is made with the accommodation facility such as the hotel and the second credit company shown in the second embodiment. It may be a travel agency or a specialized card lending agency.

  In addition, it is assumed that the lending institution as described above is in the user's visiting country so that the lending server device can be easily installed, but if there is no problem in communication with the credit server device, the lending institution is set in the user's home country. You may make it install. For example, the loan server device and the credit server device may be connected via the Internet or the like.

4). Fourth Embodiment In the “use of credit card” (FIG. 12) shown in the above embodiment, the CPU 30 of the automatic ticket checker 3A receives the credit ID received from the credit cards 1a to 1c as the invalid database 371 (FIG. 13). If the credit card exists, it is determined that “the credit card is an invalid card” and no subsequent processing is performed.

  However, only a predetermined function may be selected and invalidated from a plurality of functions of the credit cards 1a to 1c.

  For example, as shown in FIG. 12, the credit cards 1a to 1c have functions that can cope with the settlement process in step S1105 and the replenishment process in step S1109. It may be configured to be invalidated.

4-1. Overall Configuration The overall configuration diagram of this embodiment is the same as that shown in FIG. 1 of the first embodiment. The outline, hardware configuration, credit card issuance, credit card lending, credit card use, payment information transmission, payment processing at the credit company, and billing processing at the credit company are the same as in the first embodiment. .

  Hereinafter, “use of credit card” in the case of performing invalidation processing according to the present embodiment will be described. 23 and 24 show flowcharts in this case.

4-2. Flowchart FIG. 23 is a flowchart of the settlement processing program of the automatic ticket checker 3A when the employee holding the credit cards 1a to 1c passes through the automatic ticket checker 3A of the automatic ticket check system 3 as in FIG.

  When the employee holding the credit cards 1a to 1c approaches the automatic ticket gate 3A, the CPU 30 of the automatic ticket gate 3A receives the boarding / alighting information (boarding station), credit ID, electronic information from the credit cards 1a to 1c via the communication circuit. In addition to the value balance, the replenishment determination amount, and the replenishment amount, the check bit string information is received and recorded in the memory 31 (step S2301).

  Here, the check bit string is a concatenation of check bits in a plurality of functions, and the check bit is a one-bit representation of whether or not each function can be used in the credit cards 1a to 1c (for example, "1" is usable, "0" is unusable, etc.).

  FIG. 25 shows the data structure of the check bit string. As shown in the figure, the check bit string indicates “payment processing bit (1 bit)” indicating whether the payment processing function is possible, “replenishment processing bit (1 bit)” indicating whether the replenishment processing function is possible, and whether the balance holding function is possible. The “balance holding bit (1 bit)” indicating the history holding function and the “history holding bit (1 bit)” indicating whether the history holding function is enabled or not are configured in total.

  The credit cards 1a to 1c store the check bit string as described above in the memory 21, and refer to each check bit to determine whether each function corresponding to the check bit can be used. For this reason, as the credit cards 1a to 1c, it is desirable to use a highly secure IC card in which security for check bit update processing is enhanced by encryption or the like.

  For example, when the employee “Ichiro Sato” shown in FIG. 11 possesses the loaned credit cards 1a to 1c and passes through the automatic ticket gate 3A of “Kobe” station, the CPU 30 of the automatic ticket gate 3A In addition to the information “Osaka”, credit ID “001”, electronic value balance “2500 yen”, supplement determination amount “2000 yen” and supplement amount “3000 yen”, a check bit string “1111 (4 bits)” is received. .

  Upon receiving information from the credit cards 1a to 1c, the CPU 30 of the automatic ticket checker 3A performs an invalid card check process (step S2302). FIG. 24 shows a flowchart of an invalid card check processing program.

  In the invalid card check process, the CPU 30 of the automatic ticket gate 3A refers to the invalid card database 371 of the automatic ticket gate controller 3B (step S2401). That is, the CPU 30 of the automatic ticket gate 3A refers to the invalid card database 371 using the credit ID acquired from the credit cards 1a to 1c as a search key.

  FIG. 26 shows an example of the invalid card database 371 in the present embodiment. In this database, in addition to the credit ID 131, the company name 133, and the invalid date 135, a check bit string 139 is recorded.

  In step S2401, when the credit ID received from the credit cards 1a to 1c exists in the invalid card database 371 (step S2403, YES), the CPU 30 of the automatic ticket checker 3A reads the credit card 1a to 1c from the invalid card database 371. The check bit string received from the credit cards 1a to 1c is updated based on the record related to the credit ID (step S2405).

  For example, based on the check bit string 139 of the record 261 shown in FIG. 26, the check bit string in the credit cards 1a to 1c with the credit ID “345” is updated to “1011”.

  In step S2403, when the credit IDs of the credit cards 1a to 1c do not exist in the invalid card database 371 (step S2403, NO), the CPU 30 of the automatic ticket checker 3A skips step S2405.

  In FIG. 23, the CPU 30 of the automatic ticket checker 3A that has completed the invalid card check process determines whether or not the payment process bit is ON in the check bit string recorded in the memory 31 (step S2303). Here, the case where “1 (1 bit)” is recorded in the bit is regarded as “ON”, and the case where “0 (1 bit)” is recorded in the bit is regarded as “OFF”. .

  For example, when the check bit string based on the credit ID is “0011 (4 bits)” and the first bit indicating the payment processing bit is “0 (1 bit)”, the CPU 30 of the automatic ticket checker 3A It is determined that the settlement is impossible, and a warning sound is output and the open / close gate 33 is closed to prevent the user from passing through the automatic ticket gate 3A (NO in step S2304).

  On the other hand, when the check bit string based on the credit ID is “1111 (4 bits)”, the payment processing bit is “1 (1 bit)” at the head, and therefore it is determined that “the payment processing bit is ON”. (Step S2303, YES).

  If it is determined in step S2303 that the “settlement processing bit is ON”, the CPU 30 performs a boarding fee settlement process (step S2305).

  In the settlement process, the CPU 30 of the automatic ticket gate 3A determines the boarding / alighting information (boarding station) received from the credit cards 1a to 1c and a predetermined charge table (not shown (depending on the station and boarding station where the automatic ticket gate is installed). The boarding fee is calculated based on the determined value)), and the electronic value of the same amount as the calculated boarding fee is subtracted from the electronic value balance received from the credit cards 1a to 1c.

  After the electronic value is subtracted, when the CPU 30 of the automatic ticket gate 3A transmits the contents of the payment processing as prepaid payment information to the automatic ticket gate controller 3B, the automatic ticket gate controller 3B records this in the payment information database 372 (step S2311). Note that the example of the payment information database 372 in FIG. 14 is the same as that in the first embodiment.

  When the settlement process in step S2305 is completed, the CPU 30 of the automatic ticket gate 3A determines whether or not the electronic value balance after the subtraction is equal to or less than the replenishment determination amount received from the credit cards 1a to 1c (step S2306).

  For example, when the calculated boarding fee is “600 yen”, “600 yen” is subtracted from the above-mentioned electronic value balance “2500 yen”, and the electronic value balance after the subtraction becomes “1900 yen”. Further, since the replenishment determination amount of the credit card is “2000 yen”, the CPU 30 determines that “electronic value balance ≦ replenishment determination amount”.

  As in the above example, when the electronic value balance after subtraction is equal to or less than the replenishment determination amount (step S2306, YES), the CPU 30 turns on the replenishment processing bit in the check bit string recorded in the memory 31. It is determined whether or not there is (step S2307).

  For example, when the check bit string based on the credit credit ID is “0011 (4 bits)” and the second bit from the head indicating the replenishment processing bit is “OFF”, the CPU 30 of the automatic ticket checker 3A Therefore, it is determined that replenishment is impossible, and the following steps S2308 and S2309 are skipped, and the electronic value is not replenished (step S2306, NO).

  On the other hand, when the check bit string based on the credit credit ID is “1111 (4 bits)”, it is determined that the replenishment processing bit is “ON” (YES in step S2307).

  If it is determined in step S2307 that the replenishment processing bit is “ON”, the CPU 30 performs electronic value replenishment processing (step S2308).

  The electronic value replenishment process is performed by adding the electronic value of the same amount as the replenishment amount received from the credit cards 1a to 1c to the electronic value balance. That is, the replenishment amount is added to the electronic value balance after subtraction to determine a new electronic value balance.

  For example, since the electronic value balance after subtraction is “1900 yen” and the replenishment amount received from the user's credit cards 1a to 1c is “3000 yen”, these are added together to obtain a new electronic value balance. It will be “4900 yen”.

  After the electronic value replenishment process, the CPU 30 of the automatic ticket checker 3A records the contents of the replenishment process as credit payment information in the payment information database 372 of the automatic ticket check controller 3B (step S2309). For example, an example of the payment information database 372 is the same as that shown in the record 1403 in FIG.

  If the electronic value balance is larger than the replenishment determination amount in step S2306 or if the replenishment processing bit is “OFF” in step S2307, the CPU 30 determines the “electronic value balance” after the settlement process, the “payment process”. And the “check bit string” after the invalid card check process (step S2302) are transmitted to the credit cards 1a to 1c (step S2310).

  If electronic value replenishment processing is performed in step S2308, the “electronic value balance”, the “contents of replenishment processing”, the “contents of settlement processing”, and the invalid card check processing after the replenishment processing are performed. The “check bit string” after (step S2302) is transmitted to the credit cards 1a to 1c (step S2310).

  The credit cards 1 a to 1 c receive the information including the new electronic value balance and record it in the memory 21.

4-3. Summary In this way, each function of a credit card is selected by referring to the invalid card database, updating the check bit string applied to the credit card, and determining whether various processes can be executed based on the updated check bit string. Can be invalidated.

  In the above description, the “balance holding bit (1 bit)” indicating whether or not the balance holding function is possible is kept in the ON state. For this reason, even when the settlement processing bit and the replenishment processing bit are OFF, the electronic value balance can be held in the credit card.

  Thereby, when the credit card is lost, it is possible to prevent the third party from using the credit card, and at the time of discovery, the user can check the electronic value balance of the credit card and use it as before.

  In the above description, the “history holding bit (1 bit)” indicating whether or not the history holding function is possible is kept ON. For this reason, even when the settlement processing bit and the replenishment processing bit are OFF, the usage history can be held in the credit card.

  Thereby, even when the credit card cannot be used, the past use history can be referred to. For example, when a credit card is lost, all the history used by a third party can be recorded, and this can be referred to at the time of discovery.

  FIG. 27 shows an example of an apparatus when a user confirms an electronic value balance or usage history in a credit card.

  When the user brings the credit cards 1a to 1c, which are contactless IC cards, close to the reader / writer 273, the reader / writer 273 accesses the memory 21 of the credit card 1a to 1c, and the electronic value balance of the card or Usage history and the like are displayed on the display of the apparatus 271.

  Thereby, the user can refer to various data recorded in the credit cards 1a to 1c. Moreover, if a mechanism for depositing cash is provided in the apparatus, the electronic value balance can be supplemented.

  The balance holding bit and the history holding bit may be configured to be turned off as necessary. For example, this is the case when the memory of a credit card is reset.

5. Fifth Embodiment In the above embodiment, when prepaid payment is performed in the card payment apparatus 3, the credit ID and the prepaid payment information are transmitted from the card payment apparatus 3 to the lending server apparatus 7, and the lending server apparatus in the lending institution. Based on the prepaid payment information 532 (FIG. 5), it is possible to perform the settlement process for each user.

  However, the prepaid settlement information is transmitted from the card settlement apparatus 3 to the credit cards 1a to 1c, the prepaid settlement information is recorded in the credit cards 1a to 1c, and the prepaid settlement information read from the credit cards 1a to 1c in the lending institution. The settlement process may be performed based on the above.

5-1. Overall Configuration and Overview FIG. 28 shows an overall configuration diagram of a credit ID lending system according to the present invention.

  The overall configuration and outline in the present embodiment are basically the same as those in FIG. 1 shown in the first embodiment.

  In the present embodiment, the automatic ticket gate system 3 and the lending server device 7 do not need to be able to communicate with each other. Moreover, in this embodiment, the automatic ticket gate system 3 does not transmit the credit ID and the prepaid payment information related to the credit cards 1a to 1c to the lending server device 7, but transmits the prepaid payment information to the credit cards 1a to 1c.

  The lending server device 7 receives prepaid payment information in the prepaid payment paid by the employee with the electronic value of the credit card from the credit cards 1a to 1c, and performs a settlement process for the transportation expenses.

  That is, the payment information generated by the prepaid payment is transmitted to the credit cards 1a to 1c, and the payment information generated by the credit payment and the credit ID of the credit card are respectively transmitted to the credit server device 5 of the credit company.

  Receiving the payment information of the prepaid payment from the credit cards 1a to 1c, the lending server device 7 performs a payment process for the transportation expenses for the employee specified by the credit ID of the credit card 1a to 1c.

5-2. Hardware configuration 5-2-1. IC Card FIG. 29A shows a hardware configuration diagram of the credit cards 1a to 1c. The credit cards 1a to 1c are basically the same as those shown in FIG. 2 of the first embodiment, except that prepaid payment information is recorded in the memory 21.

5-3-2. Automatic ticket gate system The hardware configuration diagram of the automatic ticket gate system 3 (automatic ticket gate machine 3A and automatic ticket gate controller 3B) is the same as FIG. 3 shown in the first embodiment.

5-3-3. Credit Server Device The hardware configuration diagram of the credit server device 5 is the same as FIG. 4 shown in the first embodiment.

5-3-4. Lending Server Device FIG. 29B shows a hardware configuration diagram of the lending server device 7. The lending server device 7 is basically the same as that shown in FIG. 5 of the first embodiment, but includes a reader / writer 59 for reading and writing data in the IC card, and the hard disk 53. The point that the prepaid payment information is not recorded on the communication circuit 55 and the communication circuit 55 is not connected to the automatic ticket gate controller 3B is different.

5-4. Credit card usage, payment information transmission, and corporate checkout process "Credit card issuance", "Credit card lending", "Payment process at credit company", "Billing process at credit company", "Credit" The “billing process in the company” is the same as in the first embodiment.

  In the present embodiment, “use of credit card”, “transmission of payment information”, and “settlement processing in a company” are different from those in the first embodiment, and the following will be described only in this respect.

5-4-1. Use of Credit Card FIG. 30 shows a flowchart of “use of credit card” in the present embodiment. Since each process other than step S1112 is the same as that shown in the first embodiment, only the process of step S1112 will be described.

  In step S1112, the CPU 30 of the automatic ticket gate 3A which is a part of the card payment apparatus 3 transmits the contents of the payment processing performed in step S1105 to the credit cards 1a to 1c as prepaid payment information, and the credit cards 1a to 1c. Is recorded on the internal memory 21 (step S1112).

  FIG. 31 shows an example of prepaid payment information data recorded in the memory 21 of the credit cards 1a to 1c. In this data, the “date” when the prepaid payment is made, the “payment amount” 313 generated by the payment at that time, the “payment content” 315 that is the cause of the payment, and the like are recorded.

  Therefore, as shown in the first embodiment, the prepaid payment information is not recorded in the payment information database 372 of the automatic ticket gate controller 3B.

5-4-2. Transmission of payment information In the first embodiment, the automatic ticket gate controller 3B is configured to transmit the payment information recorded in the payment information database 372 to the lending server device 7 and the credit server device 5, but as described above. Since the prepaid payment information is not recorded in the payment information database, the automatic ticket gate controller 3B transmits only the credit payment information recorded in the payment information database 372 to the credit server device 5.

  Therefore, in the present embodiment, only steps S1517, S1519, and S1503 are executed in the flowchart shown in FIG. 15 of the first embodiment.

5-4-3. Checkout Process in Company FIG. 32 shows a flowchart of the checkout processing program of this embodiment.

  When the credit card lent to the employee is returned, the person in charge of the company that is the lending institution causes the lending server device 7 to read the data of the credit cards 1a to 1c by the reader / writer 59 connected to the lending server device 7. Perform the operation.

  In response to the operation, the CPU 50 of the lending server device 7 reads the prepaid payment information recorded in the memory 21 from the credit cards 1a to 1c. For example, the prepaid payment information shown in FIG. 31 is read.

  Each process other than step S1701 is the same as that shown in the first embodiment. That is, CPU50 specifies the employee who used credit card 1a-1c based on the loan database 531, produces adjustment data, and delivers the data to an expense adjustment system etc.

5-5. Summary As described above, by recording the prepaid payment information in the credit cards 1a to 1c, communication from the card payment apparatus 3 to the lending server apparatus 7 becomes unnecessary, and the communication cost can be reduced.

  In addition, it is possible to operate the system safely by enhancing security such as encryption in recording and reading of prepaid payment information.

6). Sixth Embodiment In the above-described embodiment, the system is configured such that when each user who has received a credit card uses a transportation facility, the prepaid settlement process or the credit settlement process is performed for each credit card. did.

  In the present embodiment, a system that performs prepaid payment processing based on the electronic value balances of other users of a predetermined group to which the user belongs when the electronic value balance of the user is insufficient will be described.

  For example, in the second embodiment, electronic value replenishment processing is executed for all credit cards 1a to 1c lent to external customers.

  However, depending on the external customer, it is often moved in a group such as a family or a group, and when such an external customer passes through the automatic ticket gate in the group, in at least one card payment apparatus 3 in a predetermined area, Electronic value replenishment processing is performed continuously or in parallel.

  In such a case, there is a possibility that the processing burden at the time of replenishment processing of the electronic value in the card settlement apparatus 3 increases, resulting in a problem that the system cannot be operated efficiently. In such a case, the transportation facility must pay a fee to the credit company every time the credit card is settled.

  Therefore, in the credit ID lending system according to the present embodiment, in order to cope with the above-described problems, when the user's electronic value balance is insufficient, the electronic value of other users in the predetermined group to which the user belongs. The prepaid settlement process is performed based on the balance.

6-1. Overall Configuration FIG. 33 introduces a credit ID lending system according to the present invention into an accommodation facility, and lends a credit card to each outside customer of an outside customer group (for example, a family) composed of a plurality of outside customers. The whole block diagram in the case of doing is shown.

  In this figure, the system configuration of the automatic ticket gate 3A, the automatic ticket gate controller 3B, the credit server device 5, and the loan server device 17 is the same as that of the first embodiment (FIG. 1).

  The accommodation facility lends credit cards 1a to 1c1A to 11C to each of the external customers A to C belonging to a predetermined external customer group. The credit cards 1a to 1c1A to 11C are IC cards with a prepaid function issued from the credit company to the accommodation facility, as in the first embodiment.

  The automatic ticket gate system 3 and the credit server device 5 are devices that perform the same processing as in the first embodiment.

  The loan server device 17 is a computer device installed in the accommodation facility, and performs the same processing as the loan server device 7 installed in the company in the first embodiment.

6-2. Overview The accommodation facility applies to a credit company to issue a credit card, and receives the required number of credit cards from the credit company. At this time, the issuing process performed in the credit company is the same as that shown in the first embodiment.

  The accommodation facility that has been issued a credit card lends a credit card to an outside customer (accommodator) who plans to use transportation. At this time, if the outside customers belong to a predetermined group, a credit card is lent to each outside customer in a group unit. For example, a plurality of credit cards 1a to 1c1A to 11C are lent to each family member of an outside customer.

  A foreign customer who has received a credit card loan uses the credit card when using transportation for sightseeing or the like.

  A credit ID for identifying a user is recorded on the credit card, and in the automatic ticket gate system 3, it is recorded in association with the credit ID recorded on the credit card when getting on or off. Prepaid payment is made by subtracting the boarding fee from the electronic value balance. That is, in the present embodiment, a prepaid settlement process is performed in which the electronic value balance of each user is managed on the server.

  In the prepaid payment process, when the electronic value balance of the user who is an external customer is less than the boarding fee, the prepaid payment is performed based on the electronic value balance of other users belonging to the same group.

  Further, when the electronic value balance of another user is less than the boarding fee, a process of supplementing the user's electronic value balance with a predetermined amount of electronic value is performed. In this case, if the replenishment propriety flag relating to the user's credit ID is ON, a process of replenishing the user's credit card with a predetermined amount of electronic value is performed by credit settlement, and if the replenishment propriety flag is OFF, The process of replenishing a predetermined amount of electronic value to credit cards of other users belonging to the same group is performed by credit settlement.

  The payment information generated by the prepaid payment and the credit ID of the credit card are transmitted to the lending server device 7 of the accommodation facility, and the payment information generated by the credit payment and the credit ID of the credit card are transmitted to the credit server device 5 of the credit company. Is done.

  Upon receipt of the payment information for the prepaid payment, the loan server device 7 performs a settlement process for the transportation cost for the outside customer specified by the credit ID received at the same time.

  Upon receiving the payment information of the credit settlement, the credit server device 5 performs a billing process for a credit transaction related to the accommodation facility specified by the credit ID received at the same time.

6-3. Hardware Configuration The hardware configurations of the credit server device 5 and the loan server device 17 in the present embodiment are the same as those shown in the first embodiment.

6-3-1. IC Card FIG. 34A shows a hardware configuration diagram of the credit cards 1a to 1c of the present embodiment. The credit cards 1a to 1c are basically the same as those shown in the first embodiment, but record a credit ID, a group ID, and boarding information in the memory 21, and the electronic value balance, replenishment amount, and replenishment The difference is that the judgment amount is not recorded.

  That is, the credit cards 1a to 1c in the present embodiment perform network type prepaid payment in which the electronic value balance is managed by the server.

6-3-2. Automatic ticket gate system The automatic ticket gate system 3 includes a plurality of automatic ticket gates 3A having a ticket gate function, and an automatic ticket gate controller 3B for controlling them. The hardware configuration diagram of the automatic ticket gate 3A is the same as that shown in FIG. 3A of the first embodiment.

  FIG. 34B shows a hardware configuration diagram of the automatic ticket gate controller 3B of the present embodiment. The automatic ticket gate controller 3B shown in FIG. 34B is basically the same as that shown in the first embodiment. The difference is that the hard disk 37 further includes an electronic value balance database 375 in which an electronic value balance corresponding to the credit ID applied to each credit card is recorded.

6-4. Issuance of credit card, etc. Issuance of credit card, transmission of settlement information, payment processing at the credit company, and billing processing at the credit company are basically the same as those shown in the first embodiment. Specifically, “business” is “accommodation facility”.

6-5. Credit card lending An accommodation facility that has received a plurality of credit cards from a credit company lends a credit card to an outside customer.

  When a credit card loan request is received from an outside customer, the person in charge of the accommodation facility registers the loan information in the loan database 531 of the loan server device 7.

  FIG. 35 shows an example of the loan database 531 in the present embodiment. In this database, an external customer name 351, a room number 353, a credit ID 355, a group ID 357, and the like are registered.

  For example, if the foreign customer “A”, the foreign customer “B”, and the foreign customer “C” staying in the room number “1101” are one family, the family is regarded as one foreign customer group and a credit card is used. To lend.

  In FIG. 35, the credit ID “555” is assigned to the external customer “A”, the credit ID “777” is assigned to the external customer “B”, and the credit ID “999” is assigned to the external customer “C”. Credit cards are lent respectively, and “001” is registered in the group IDs of all these credit cards.

  Information data indicating the association between the credit ID 355 and the group ID 357 is transmitted from the lending server device 17 to the transportation facility, and updates the group ID in the electronic value balance database 375 of the automatic ticket gate controller 3B. In this update process, the person in charge of the accommodation facility notifies the person in charge of transportation to the credit ID, group ID, etc., and the person in charge of transportation updates the electronic value balance database 375 of the automatic ticket gate controller 3B. It may be configured.

  FIG. 36 shows an example of the electronic value balance database 375. In this database, a credit ID 361, a group ID 362, an electronic value balance 363, a replenishment determination amount 364, a replenishment amount 365, a parent card flag 366, a replenishment availability flag 367, and the like are registered.

6-6. Use of credit card A foreign customer who has received a credit card loan pays a boarding fee using the credit card when using a transportation facility.

  FIG. 37 is a flowchart of a settlement processing program of the automatic ticket gate 3A when an external customer who has a credit card with a group ID set passes through the automatic ticket gate 3A of the automatic ticket gate system 3.

  The CPU 30 of the automatic ticket gate 3A writes boarding / exiting information when an outside passenger gets on the vehicle, calculates a boarding fee based on the boarding / exiting information when getting off, and performs a settlement process. A description will be given centering on the processing of the ticket gate 3A.

  When an external customer who has a credit card approaches the automatic ticket gate 3A, the CPU 30 of the automatic ticket gate 3A receives the boarding / alighting information, credit ID, and group ID from the credit card via the communication circuit (step S3701).

  For example, when the foreign customer “C” related to the record 3501 shown in FIG. 35 possesses the lent credit cards 1a to 1c1C and passes through the automatic ticket gate 3A of “Kobe” station, the CPU 30 of the automatic ticket gate 3A. Receives information of boarding station “Osaka”, credit ID “999” and group ID “001”.

  Upon receiving predetermined information from the credit card, the CPU 30 of the automatic ticket checker 3A performs an invalid card check process (step S3703). The invalid card check process is the same as that shown in the first embodiment. As shown in the fourth embodiment, a check bit string is recorded for each credit card, and only a predetermined function selected from a plurality of functions associated with each check bit is invalidated. You may make it perform.

  In step S3703, when the credit ID received from the credit card exists in the database, the CPU 30 of the automatic ticket gate 3A determines that “the credit card is an invalid card” (step S3705, NO).

  When determining that the credit card is an invalid card, the CPU 30 of the automatic ticket gate 3A performs a process of invalidating the credit card (step S3711).

  In step S3711, the CPU 30 performs processing for invalidating the credit card, outputs a warning sound, closes the open / close gate 33, and takes measures to prevent the external customer “C” from passing through the automatic ticket gate 3A (step S3711). S3713).

  On the other hand, when the credit ID received from the credit card does not exist in the invalid card database 371 in step S3705 and the CPU 30 of the automatic ticket checker 3A determines that “the credit card is not an invalid card” (YES in step S3705). A boarding fee settlement process is performed (step S3707).

6-6-1. Boarding Fee Settlement Processing FIGS. 38a and 38b show a flowchart of the boarding fee settlement processing program of the present embodiment.

  The CPU 30 of the automatic ticket checker 3A transmits the credit ID to the automatic ticket check controller 3B and requests an electronic value balance recorded in association with the credit ID (step S3801). For example, the credit ID “999” of the credit cards 1a to 1c1C held by the external customer “C” is transmitted.

  The CPU 34 of the automatic ticket controller 3B searches the electronic value balance database 375, extracts the electronic value balance recorded in association with the received credit ID, and transmits this to the automatic ticket checker 3A (step S3831). . For example, a record 3603 in FIG. 36 is extracted, and data of an electronic value balance 365 “1000 yen” is transmitted.

  Upon receiving the transmission, the CPU 30 of the automatic ticket gate 3A receives the boarding / alighting information (boarding station) received from the credit card and a predetermined fee table (not shown (determined by the station where the automatic ticket gate is installed and the boarding station). ) To calculate the boarding fee (step S3803). For example, the CPU 30 calculates the boarding fee based on the data of the boarding station “Osaka” and the fee table of the “Kobe” station, which is the getting-off station.

  The CPU 30 compares the calculated boarding fee with the electronic value balance received from the automatic ticket gate controller 3B. If the electronic value balance is smaller than the boarding fee (NO in step S3805), the process proceeds to step S3807, where the electronic value balance is equal to or more than the boarding fee. If present (step S3805, YES), steps S3807 to S3819 are skipped and the process proceeds to step S3821.

6-6-1-1. When “Electronic Value Balance ≧ Boarding Fee” In step S3821, the CPU 30 performs a prepaid payment process in which the electronic value of the same amount as the boarding fee calculated in step S3803 is subtracted from the electronic value balance applied to the target credit card ( Step S3821). For example, when the calculated boarding fee is “500 yen”, a prepaid settlement process for subtracting this from the electronic value balance “1000 yen” is performed.

  After subtraction of the electronic value, the CPU 30 of the automatic ticket gate 3A transmits the contents of the prepaid payment processing to the automatic ticket gate controller 3B as prepaid payment information (step S3823). For example, “credit ID“ 999 ”, settlement amount“ 500 yen ”, settlement contents“ JR ride fee between Osaka and Kobe ”, and electronic value balance“ 500 yen ”are transmitted as prepaid settlement information.

  Upon receiving the transmission, the CPU 34 of the automatic ticket gate controller 3B updates the electronic value balance relating to the credit ID that is the object of the prepaid payment (step S3839). For example, the record 3603 shown in FIG. 36 is updated based on the credit ID “999” and the electronic value balance “500 yen”.

  After updating the electronic value balance, the CPU 34 records the contents of the prepaid payment in the payment information database 372 (step S3927).

  The payment information database 372 is the same as that in FIG. 14 shown in the first embodiment. For example, data such as the settlement type “prepaid”, the credit ID “999”, the settlement amount “500 yen”, the settlement content “JR boarding fee between Osaka and Kobe”, the settlement date “2004/4/1”, etc. are stored in the settlement information database 372. To be recorded.

6-6-1-2. When “Electronic Value Balance <Boarding Fee” In step S3807, the CPU 30 of the automatic ticket gate 3A transmits the group ID to the automatic ticket gate controller 3B and records the electronic value of the credit card in which the same group ID as the group ID is recorded. Data including the balance is requested (step S3807). For example, the group ID “001” of the credit cards 1a to 1c of the external customer “C” is transmitted.

  The CPU 34 of the automatic ticket controller 3B searches the electronic value balance database 375, extracts all records that record the same group ID as the received group ID, and transmits this to the automatic ticket checker 3A (step S3833). . For example, in FIG. 36, records 3601 to 3603 recording the group ID “001” are extracted and transmitted.

  Upon receiving the transmission, the CPU 30 of the automatic ticket gate 3A selects data having the largest electronic value balance from the data of each record received from the automatic ticket gate controller (step S3809). For example, in the records 3601 to 3603 of FIG. 36 described above, the data 3601 is selected because the electronic value balance of the record 3601 is the maximum of “3500 yen”.

  The CPU 30 compares the electronic value balance of the selected data with the boarding fee calculated in step S3903. If the electronic value balance is equal to or higher than the boarding fee, the CPU 30 proceeds to step S3821 and selects the same processing as above. For the credit card for the data. For example, when a credit card with a credit ID “555” is selected, a prepaid payment process for subtracting the boarding fee from the electronic value balance “3500 yen” is performed.

  On the other hand, if the electronic value balance is smaller than the boarding fee, the process proceeds to step S3813, and the replenishment flag of the credit card is determined.

  In this case, if the replenishment enable / disable flag is “Y” (step S3813, YES), the CPU 30 adds the replenishment amount to the electronic value balance of the credit card held by the external customer (step S3817). For example, if the replenishment flag of the credit card of the external customer is “Y”, a credit process for replenishing the replenishment amount “10000 yen” to the electronic value balance “1000 yen” of the credit ID “999” is performed.

  If the refillability flag is “N” (step S3813, NO), the CPU 30 further determines a refillability flag for the parent card. Here, the parent card is one of other credit cards belonging to the same group as the credit card. For example, in FIG. 36, the parent card in the credit card with the credit ID “999” is the credit card with the credit ID “555” whose parent card flag 366 is “Y”.

  If the replenishment flag of the parent card is “Y”, the CPU 30 adds the replenishment amount to the electronic value balance of the credit card as the parent card (step S3817). For example, when the replenishment permission flag of the credit card of the parent card is “Y”, a credit process for replenishing the replenishment amount “10000 yen” to the electronic value balance “3500 yen” of the credit ID “555” is performed.

  If the replenishment flag of the parent card is “N”, the CPU 30 of the automatic ticket gate 3A determines that there is no means for subtracting the boarding fee from the electronic value balance, and outputs a warning sound. The opening / closing gate 33 is closed, and a measure is taken to prevent the outside customer from passing through the automatic ticket gate 3A (step S3825).

  In step S3817, when the CPU 30 finishes the credit settlement process for replenishing the external customer's credit card or the parent card's electronic value balance on the foreign customer's credit card, the contents of the credit settlement process are automatically used as credit settlement information. The ticket is transmitted to the ticket controller 3B (step S3819).

  For example, “credit ID“ 999 ”, settlement amount“ 10000 yen ”, settlement content“ electronic value supplement amount (Kobe station) ”, and electronic value balance“ 11000 yen ”are transmitted as credit settlement information.

  Receiving the transmission, the CPU 34 of the automatic ticket gate controller 3B updates the electronic value balance relating to the credit ID subject to credit settlement (step S3835).

  For example, the record 3603 shown in FIG. 36 is updated based on the credit ID “999” and the electronic value balance “11000 yen”. By this update, the electronic value balance 365 in the record 3623 becomes “11000 yen”.

  After updating the electronic value balance, the CPU 34 records the contents of the credit payment in the payment information database 372 (step S3837).

  When the credit settlement content is transmitted to the automatic ticket gate controller, the CPU 30 of the automatic ticket gate determines from the electronic value balance applied to the other customer's credit card as the credit card of the customer or the parent card in step S3803. A prepaid settlement process is performed to subtract the electronic value equivalent to the calculated boarding fee (step S3821).

  Note that the processing in steps S3821, S3823, S3839, and S3841 is the same as described above.

6-7. As in the second embodiment, the accommodation facility prepaids the credit card for each room number based on the settlement database (accommodation facility) recorded in the lending server device 17 shown in FIG. The settlement amount is settled, and this is charged to the outside customer.

  Therefore, at the time of check-out of the outside customer, it is possible to settle the prepaid settlement amount by using the credit card together with the accommodation fee. In particular, in the present embodiment, for example, settlement can be performed in units of a group of customers composed of a plurality of customers having the same room number, and convenience at the time of payment is improved.

6-8. Summary As described above, when the user's electronic value balance is insufficient, the electronic value replenishment process is not immediately performed, and the prepaid payment process is performed based on the electronic value balances of other users of the predetermined group to which the user belongs. As a result, the number of credit processes can be reduced, and the cost for credit processes can be minimized.

  In addition, it is possible for an external customer who is a user to perform a replenishment process by credit settlement only for a necessary card when necessary, which improves convenience.

  In step S3809 in FIG. 38a described above, the fare is subtracted from the electronic value balance applied to the card having the maximum electronic value balance of each card having the same group ID. The boarding fee may be subtracted from the electronic value balance based on the ID.

  For example, a “subtraction enable / disable flag” or the like is set in the electronic value balance database 375, and a credit ID to be subtracted can be determined based on this flag.

  In step S3809, the boarding fee is subtracted from the electronic value balance applied to the card having the maximum electronic value balance for each card having the same group ID. Alternatively, the boarding fee may be subtracted at the same time.

  For example, if the electronic value balance on the card with the largest electronic value balance is less than the boarding fee, the shortage is subtracted from the electronic value balance on the card having the second largest electronic value balance. May be.

  Further, in step S3909, it is configured to subtract the boarding fee from the electronic value balance applied to the card having the maximum electronic value balance of each card having the same group ID, but from the user's card passing through the automatic ticket gate. Only the shortage when the boarding fee is subtracted may be subtracted from the electronic value balance applied to the card having the maximum electronic value balance.

7. Seventh Embodiment In the present embodiment, a system that performs credit settlement processing by determining whether or not electronic value balance replenishment processing is necessary in units of predetermined groups to which a user belongs will be described.

7-1. Overall Configuration The overall configuration and outline in the present embodiment are basically the same as those in FIG. 33 shown in the sixth embodiment.

7-2. Overview The accommodation facility applies to a credit company to issue a credit card, and receives the required number of credit cards from the credit company. At this time, the issuing process performed in the credit company is the same as that shown in the first embodiment.

  The accommodation facility that has been issued the credit card lends the credit cards 1a to 1c1A to 11C to the outside customers A to C (guests) who plan to use the transportation facility. At this time, if the outside customers belong to a predetermined group, a credit card is lent to each outside customer in a group unit. For example, a plurality of credit cards are lent to each family member of an outside customer.

  A foreign customer who has received a credit card loan uses the credit card when using transportation for sightseeing or the like.

  A credit ID for identifying a user is recorded on the credit card, and the automatic ticket gate system 3 records it in association with the credit ID recorded on the credit cards 1a to 1c when getting on or off. Prepaid payment is performed by subtracting the boarding fee from the electronic value balance. That is, in the present embodiment, a prepaid settlement process is performed in which the electronic value balance of each user is managed on the server.

  In addition, when the electronic value balance after the prepaid payment is equal to or less than a predetermined replenishment determination amount, a credit settlement for replenishing the same amount of electronic value as the predetermined replenishment amount is performed. At this time, the automatic ticket gate system 3 that performs credit settlement processing adds up the electronic value balance of each credit card in a predetermined group unit, and determines whether the combined electronic value balance is equal to or less than a predetermined replenishment determination amount. .

  The payment information generated by the prepaid payment and the credit ID of the credit card are transmitted to the lending server device 7 of the accommodation facility, and the payment information generated by the credit payment and the credit ID of the credit card are transmitted to the credit server device 5 of the credit company. Is done.

  Upon receipt of the payment information for the prepaid payment, the loan server device 7 performs a settlement process for the transportation cost for the outside customer specified by the credit ID received at the same time.

  Upon receiving the payment information of the credit settlement, the credit server device 5 performs a billing process for a credit transaction related to the accommodation facility specified by the credit ID received at the same time.

7-3. Hardware Configuration The hardware configurations of the credit server device 5 and the loan server device 17 in the present embodiment are the same as those shown in the sixth embodiment.

  Further, the hardware configuration diagram of the credit card of the present embodiment records the credit ID, group ID, and boarding information in the memory 21 in the same manner as that shown in the sixth embodiment, and the electronic value balance, supplement amount In addition, the replenishment determination amount is not recorded, and the network type prepaid settlement in which the electronic value balance is managed by the server is performed.

7-3-1. Automatic ticket gate system The automatic ticket gate system 3 includes a plurality of automatic ticket gates 3A having a ticket gate function, and an automatic ticket gate controller 3B for controlling them. The hardware configuration diagram of the automatic ticket gate 3A is the same as that shown in FIG. 3A of the first embodiment.

  The automatic ticket gate controller 3B is basically the same as that shown in the sixth embodiment, and includes an electronic value balance database 375 in which an electronic value balance corresponding to a credit ID applied to each credit card is recorded on the hard disk 37. ing.

7-4. Issuance of credit card, etc. Issuance of a credit card, transmission of settlement information, payment processing in a credit company, and billing processing in a credit company are basically the same as those shown in the sixth embodiment.

7-5. Credit Card Lending The billing process for credit card lending is basically the same as that shown in the sixth embodiment.

  FIG. 39 shows an example of the electronic value balance database 375 in the present embodiment. In this database, a credit ID 391, a group ID 392, an electronic value balance 393, a replenishment determination amount 394, a replenishment amount 395, and the like are registered.

  The lending institution sets the replenishment determination amount 394 and the replenishment amount 395 for each external customer as necessary, and updates the replenishment determination amount 394 and the replenishment amount 395 together with the group ID 392 in the update process of the electronic value balance database 375. You may do it.

7-6. Use of credit card An outside customer who has received a credit card lends a boarding fee using a credit card when using a transportation facility.

  FIG. 40 is a flowchart of the settlement processing program of the automatic ticket checker 3A when an external customer who has the credit cards 1a to 1c set with the group ID passes through the automatic ticket checker 3A of the automatic ticket check system 3.

  The CPU 30 of the automatic ticket gate 3A writes boarding / exiting information when an outside passenger gets on the vehicle, calculates a boarding fee based on the boarding / exiting information when getting off, and performs a settlement process. A description will be given centering on the processing of the ticket gate 3A.

  When an outside customer who possesses the credit cards 1a to 1c approaches the automatic ticket gate 3A, the CPU 30 of the automatic ticket gate 3A receives the boarding / alighting information, credit ID and group ID from the credit cards 1a to 1c via the communication circuit. (Step S4001).

  For example, when the foreign customer “C” associated with the record 3501 shown in FIG. 35 possesses the lent credit cards 1a to 1c and passes through the automatic ticket gate 3A at the “Kobe” station, the CPU 30 of the automatic ticket gate 3A. Receives information of boarding station “Osaka”, credit ID “999” and group ID “001”.

  Upon receiving predetermined information from the credit cards 1a to 1c, the CPU 30 of the automatic ticket gate 3A performs an invalid card check process (step S4003). The invalid card check process is the same as that shown in the first embodiment. As shown in the fourth embodiment, a check bit string is recorded for each credit card 1a to 1c, and only for a predetermined function selected from a plurality of functions associated with each check bit. Invalidation may be performed.

  In step S4003, when the credit ID received from the credit cards 1a to 1c exists in this database, the CPU 30 of the automatic ticket checker 3A determines that “the credit card is an invalid card” (step S4005, NO).

  When the CPU 30 of the automatic ticket checker 3A determines that the credit cards 1a to 1c are invalid cards, the CPU 30 performs a process of invalidating the credit cards 1a to 1c (step S4006).

  In step S4006, processing for invalidating the credit cards 1a to 1c is performed, and the CPU 30 of the automatic ticket gate 3A outputs a warning sound and closes the open / close gate 33 so that the customer “C” passes through the automatic ticket gate 3A. A measure is taken so as not to allow (step S4008).

  On the other hand, when the credit ID received from the credit cards 1a to 1c does not exist in the invalid card database 371 in step S4005, the CPU 30 of the automatic ticket checker 3A determines that “the credit card is not an invalid card” (step S4005, YES), electronic value replenishment processing is performed (step S4007).

7-6-1. Electronic Value Supplement Processing FIG. 41 shows a flowchart of an electronic value supplement processing program. The CPU 30 of the automatic ticket gate 3A transmits the group ID to the automatic ticket gate controller 3B, and requests the electronic value balance, the replenishment determination amount, and the replenishment amount recorded in association with each credit ID having the group ID. (Step S4101). For example, the group ID “001” of the credit cards 1a to 1c of the external customer “C” is transmitted.

  The CPU 34 of the automatic ticket gate controller 3B searches the electronic value balance database 375, searches for the credit ID related to the credit card in which the same group ID as the received group ID is recorded, and records it in association with these credit IDs. The electronic value balance, the replenishment determination amount and the replenishment amount are extracted and transmitted to the automatic ticket gate 3A (step S4121).

For example, in the electronic value balance database 375 shown in FIG. 39B, all records 3921 to 3923 in which the group ID “001” is recorded are extracted.
(1) Credit ID “555”, electronic value balance “3500 yen”, replenishment judgment amount “5000 yen”, replenishment amount “10000 yen”
(2) Credit ID “777”, electronic value balance “1000 yen”, replenishment judgment amount “5000 yen”, replenishment amount “10000 yen”
(3) Credit ID “999”, electronic value balance “300 yen”, replenishment judgment amount “5000 yen”, replenishment amount “10000 yen”
Each of the data is transmitted.

  Upon receipt of the transmission, the CPU 30 of the automatic ticket checker 3A adds the electronic value balance of each data based on the data (1) to (3) (step S4103). For example, the electronic value balance of the data (1) to (3) is added up to obtain the electronic value balance “4800 yen” after the addition.

  When the summation is completed, the CPU 30 compares the summed electronic value balance with the replenishment determination amount (step S4105), and if the summed electronic value balance is equal to or less than the replenishment judgment amount (step S4105, YES), Credit processing for adding the replenishment amount to the balance is performed (step S4107). Note that if the combined electronic value balance is larger than the replenishment determination amount, the processing ends (NO in step S4105).

  For example, from the data (3), the replenishment determination amount set for the external customer “C” card is “5000 yen”, respectively, and this is used as the replenishment determination amount for the determination in step S4105.

  Therefore, since the electronic value balance “4800 yen” after the sum is equal to or less than the replenishment determination amount “5000 yen”, a process of adding the replenishment amount to the electronic value balance is performed. For example, the replenishment amount “10000 yen” is added to the electronic value balance “300 yen” of the foreign customer “C” to obtain the added electronic value balance “10300 yen”.

  After the addition of the electronic value, the CPU 30 of the automatic ticket gate 3A transmits the contents of the credit settlement process as credit settlement information to the automatic ticket gate controller 3B (step S4123). For example, “credit ID“ 999 ”, settlement amount“ 10000 yen ”, settlement content“ electronic value replenishment amount (Osaka Station) ”, and electronic value balance“ 10300 yen ”are transmitted as credit settlement information.

  Upon receipt of the transmission, the CPU 34 of the automatic ticket gate controller 3B updates the electronic value balance relating to the credit ID that is the object of the credit settlement (step S4123).

  For example, the record 3623 shown in FIG. 36B is updated based on the credit ID “999” and the electronic value balance “10300 yen”. By this update, the electronic value balance 365 in the record 3623 becomes “10300 yen”.

  After updating the electronic value balance, the CPU 34 records the contents of the credit payment in the payment information database 372 (step S4125).

  The payment information database 372 is the same as that in FIG. 14 shown in the first embodiment. For example, data such as payment type “credit”, credit ID “999”, payment amount “10000 yen”, payment content “electronic value replenishment amount (Osaka Station)”, payment date “2004/4/1” and the like are included in the payment information database. 372.

7-6-2. In FIG. 40, when the electronic value replenishment process in step S4007 is completed, the CPU 30 of the automatic ticket checker 3A executes a boarding fee settlement process (step S4009). FIG. 42 shows a flowchart of a boarding fee settlement processing program in the present embodiment.

  The CPU 30 of the automatic ticket checker 3A transmits the credit ID to the automatic ticket check controller 3B and requests the electronic value balance recorded in association with the credit ID (step S4201). For example, the credit ID “999” of the credit cards 1a to 1c of the external customer “C” is transmitted.

  The CPU 34 of the automatic ticket controller 3B searches the electronic value balance database 375, extracts the electronic value balance recorded in association with the received credit ID, and transmits it to the automatic ticket checker 3A (step S4221). . For example, the record 3903 of A in FIG. 39 is extracted, and the electronic value balance 393 “1000 yen” is transmitted.

  Upon receiving the transmission, the CPU 30 of the automatic ticket gate 3A receives the boarding / alighting information (boarding station) received from the credit card and a predetermined fee table (not shown (determined by the station where the automatic ticket gate is installed and the boarding station). ) To calculate a boarding fee (step S4203).

  The CPU 30 compares the calculated boarding fee with the electronic value balance received from the automatic ticket gate controller 3B. If the electronic value balance is smaller than the boarding fee (step S4205, NO), the CPU 30 proceeds to step S4207, and the electronic value balance is equal to or more than the boarding fee. If so (step S4205, YES), steps S4207 and S4209 are skipped.

7-6-2-1. When “Electronic Value Balance <Boarding Fee” In step S4207, the CPU 30 of the automatic ticket gate 3A transmits the group ID to the automatic ticket gate controller 3B, and the electronic value of the credit card in which the same group ID as the group ID is recorded. A balance is requested (step S4207). For example, the group ID “001” of the credit cards 1a to 1c1C held by the external customer “C” is transmitted.

The CPU 34 of the automatic ticket controller 3B searches the electronic value balance database 375, extracts the electronic value balances for all credit IDs recorded in association with the received group ID, and sends them to the automatic ticket checker 3A. Transmit (step S4223). For example, the records 3901 to 3903 in FIG.
(4) “Credit ID“ 555 ”, electronic value balance“ 3500 yen ””,
(5) “Credit ID“ 777 ”, electronic value balance“ 1000 yen ””,
(6) “Credit ID“ 999 ”, electronic value balance“ 1000 yen ””
Each of the data is transmitted.

  Upon receiving the transmission, the CPU 30 of the automatic ticket gate 3A selects data having the largest electronic value balance based on the data (4) to (6) received from the credit cards 1a to 1c (step S4209). For example, in the data (4) to (6), the data (4) is selected because the electronic value balance of the data (4) is “3500 yen” at the maximum.

  The CPU 30 subtracts the electronic value of the same amount as the boarding fee calculated in step S4203 from the electronic value balance of the selected data (step S4211).

  For example, when the calculated boarding fee is “1200 yen”, a prepaid settlement process for subtracting this from the electronic value balance “3500 yen” of the data (4) is performed.

  After subtraction of the electronic value, the CPU 30 of the automatic ticket gate 3A transmits the contents of the prepaid payment process to the automatic ticket gate controller 3B as prepaid payment information (step S4213). For example, “credit ID“ 555 ”, settlement amount“ 1200 yen ”, settlement content“ JR ride fee between Osaka and Kobe ”, electronic value balance“ 2300 yen ”are transmitted as prepaid settlement information.

  Upon receiving the transmission, the CPU 34 of the automatic ticket gate controller 3B updates the electronic value balance relating to the credit ID that is the object of the prepaid payment (step S4225).

  For example, the record 3901 shown in A of FIG. 39 is updated based on the credit ID “555” and the electronic value balance “2300 yen”. The updated electronic value balance database 375 in this case is shown in FIG. That is, when the record 3901 (A in FIG. 39) is updated, a record 3931 (C in FIG. 39) is obtained.

  After updating the electronic value balance, the CPU 34 records the contents of the prepaid payment in the payment information database 372 (step S4227).

  The payment information database 372 is the same as that in FIG. 14 shown in the first embodiment.

  For example, data such as the settlement type “prepaid”, the credit ID “555”, the settlement amount “1200 yen”, the settlement content “JR boarding fee between Osaka and Kobe”, the settlement date “2004/4/1”, and the like are stored in the settlement information database 372. To be recorded.

7-6-2-2. In the case of “electronic value balance ≧ boarding fee”, the CPU 30 subtracts the electronic value of the same amount as the boarding fee calculated in step S4203 from the electronic value balance acquired based on the credit ID applied to the credit card of the outside customer ( Step S4211).

  For example, when the calculated boarding fee is “700 yen”, a prepaid payment process for subtracting this from the electronic value balance “1000 yen” of the record 3603 is performed.

  After subtraction of the electronic value, the CPU 30 of the automatic ticket gate 3A transmits the contents of the prepaid payment process to the automatic ticket gate controller 3B as prepaid payment information (step S4213). For example, “credit ID“ 999 ”, settlement amount“ 700 yen ”, settlement content“ JR boarding fee between Osaka and Kyoto ”, electronic value balance“ 300 yen ”are transmitted as prepaid settlement information.

  Upon receiving the transmission, the CPU 34 of the automatic ticket gate controller 3B updates the electronic value balance relating to the credit ID that is the object of the prepaid payment (step S4225).

  For example, the record 3903 shown in FIG. 39A is updated based on the credit ID “999” and the electronic value balance “300 yen”. The updated electronic value balance database 375 in this case is shown in FIG. That is, when the record 3903 (A in FIG. 39) is updated, a record 3923 (B in FIG. 39) is obtained.

  After updating the electronic value balance, the CPU 34 records the contents of the prepaid payment in the payment information database 372 (step S4227).

  The payment information database 372 is the same as that in FIG. 14 shown in the first embodiment. For example, data such as a settlement type “prepaid”, a credit ID “999”, a settlement amount “700 yen”, a settlement content “JR fare between Osaka and Kyoto”, a settlement date “2004/4/1”, and the like are stored in the settlement information database 372. To be recorded.

7-7. As in the second embodiment, the accommodation facility prepaids the credit card for each room number based on the settlement database (accommodation facility) recorded in the lending server device 17 shown in FIG. The settlement amount is settled, and this is charged to the outside customer.

  Therefore, at the time of check-out of the outside customer, it is possible to settle the prepaid settlement amount by using the credit card together with the accommodation fee. In particular, in the present embodiment, for example, the settlement can be performed in units of customer groups composed of a plurality of customers having the same room number, and convenience at the time of payment is improved.

7-8. Summary In this way, by providing a credit settlement process that replenishes electronic value balances in units of a predetermined group to which a user belongs, even when a credit card is lent to an outside customer moving in a group, the system load is reduced. However, the cost for credit processing can be minimized.

  In addition, for external customers who are users, it is possible to make payments based on prepaid payments generated by a plurality of credit cards all together, which is efficient.

  In step S4105 of FIG. 38 described above, the replenishment determination amount in the credit ID applied to the predetermined credit card is adopted to perform the determination process, but the replenishment determination amount set for each card in the same group is added up. The amount may be adopted as the replenishment determination amount.

  For example, an amount “15000 yen” obtained by adding up the replenishment determination amounts of the credit IDs “555” to “999” may be used as the replenishment determination amount.

  In step S4107 in FIG. 41, the replenishment amount in the credit ID applied to the predetermined credit card is adopted to perform the determination process. However, the sum of the replenishment amounts set for the cards in the same group is calculated. You may employ | adopt as a replenishment judgment amount. For example, an amount “30000 yen” obtained by adding up the replenishment amounts of the credit IDs “555” to “999” may be used as the replenishment amount.

  In step S4123 of FIG. 41, the electronic value balance in the credit ID related to the predetermined credit card is updated. However, the electronic value balance in the credit ID of another credit card in the same group is updated at the same time. May be.

  For example, the electronic value balance “1000 yen” of the credit ID “777” in the record 3922 shown in FIG. 39B may be updated to “11000 yen”. Thereby, even if the outside customer “B” does not pass through the automatic ticket gate, the electronic value balance of the credit card related to the outside customer can be supplemented.

  In this case, a predetermined amount may be recorded instead of the replenishment determination amount and the replenishment amount, and a replenishment process may be performed so that the electronic value balance becomes the same amount as the predetermined amount in the credit settlement process.

  For example, when the predetermined amount recorded in the record 3923 shown in FIG. 39B is “5000 yen”, the credit settlement amount at this time is “4700 yen”, and the electronic value balance is “300 yen”. Update to “5000 yen”.

  In addition, you may make it perform the replenishment process which becomes the same amount as the said predetermined amount simultaneously about another credit card. Thereby, the convenience in the case of lending a plurality of credit cards can be further improved.

  Alternatively, one electronic value balance may be apportioned between credit cards of the same group, and the electronic value balance of each card may be updated based on this. Note that the proportion of apportionment may be constant or a predetermined ratio may be used.

  In steps S4209 and S4211 of FIG. 42 described above, the boarding fee is subtracted from the electronic value balance applied to the card having the maximum electronic value balance of each card having the same group ID. The boarding fee may be subtracted from the electronic value balance based on the credit ID.

  For example, a “subtraction enable / disable flag” or the like is set in the electronic value balance database 375, and a credit ID to be subtracted can be determined based on this flag.

  In step S4209, the fare is subtracted from the electronic value balance for the card having the maximum electronic value balance for each card having the same group ID. Alternatively, the boarding fee may be subtracted at the same time.

  For example, if the electronic value balance on the card with the largest electronic value balance is less than the boarding fee, the shortage is subtracted from the electronic value balance on the card having the second largest electronic value balance. May be.

  Further, in step S4209, the configuration is such that the boarding fee is subtracted from the electronic value balance applied to the card having the maximum electronic value balance of each card having the same group ID, but from the user's card passing through the automatic ticket gate. Only the shortage when the boarding fee is subtracted may be subtracted from the electronic value balance applied to the card having the maximum electronic value balance.

8). Other Embodiments In the above-described embodiment, the case of using a transportation facility using a credit card has been described. I just need it. For example, it can be applied to payment at a store in a station, a vending machine, a time-rented parking lot or the like from a general store.

  FIG. 1b shows a functional block diagram of a credit ID lending system for a general store. In this figure, the credit card 1a, the lending server device 7, and the credit server device 5 are the same as in the first embodiment, and the card settlement device 3 is not divided into an automatic ticket gate 3A and an automatic ticket gate controller 3B. Is different.

  The card payment apparatus 3 includes a data exchange unit 301, an ID / value acquisition unit 302, a determination unit 303, an electronic value balance update unit 304, a prepaid payment information output unit 305, and a credit payment information output unit 306.

  The data exchanging means 301 transmits / receives data to / from the credit card 1a, the loan server device 7 and the credit server device 5.

  The ID / value acquisition unit 302, the determination unit 303, the electronic value balance update unit 304, the prepaid payment information output unit 305, and the credit payment information output unit 306 are the automatic ticket gate 3A or the automatic ticket gate controller 3B described in the first embodiment. It is the same.

  In the above embodiment, the system is configured using a card payment apparatus installed in a transportation facility or the like. However, if payment processing can be performed using a credit card, a part of the card payment apparatus is installed on the user side. You may comprise as follows.

  For example, the system may be configured using an in-vehicle device compatible with ETC (Electronic Toll Collection System) / DSRC (Dedicated Short Range Communication).

  For example, a user who has an in-vehicle device attached to a rental car and who has been lent a credit card sets the credit card in the ETC / DSRC-compatible in-vehicle device of the rental car, so that the prepaid settlement as shown in the above embodiment is performed. And credit card payments can be made. In particular, when a foreign traveler uses a rental car, there is no need to pay using an unfamiliar currency when paying on an expressway or the like, and the convenience is improved.

  In addition, an “ETC / DSRC usability bit” is added as a check bit indicating availability of each function shown in the fourth embodiment, and the bit is turned on in accordance with the user's desire and usage method. Alternatively, the use of ETC / DSRC may be controlled by turning OFF.

  In the above embodiment, the credit card ID and the prepaid payment information are transmitted from the card payment apparatus to the lending server apparatus. However, the credit card information may be transmitted to the credit server apparatus. Thereby, the transmission destination of the prepaid payment information from a card payment apparatus can be unified, and it is efficient.

  In the above embodiment, the automatic ticket gate controller 3B generates and transmits the payment information recorded in the payment information database 372 to the lending server device 7 and the credit server device 5 at almost the same timing. The data may be created and transmitted at the timing.

  For example, the prepaid settlement information to the lending server device 7 may be transmitted at a timing once a day, and the credit settlement information to the credit server device 5 may be transmitted at a timing once a month.

  In the above embodiment, the replenishment amount and the replenishment determination amount are recorded on the credit cards 1a to 1c, but may be recorded on the automatic ticket gate 3A or the automatic ticket gate controller 3B. In this case, the replenishment amount and the replenishment determination amount may be acquired based on the credit ID received from the credit cards 1a to 1c.

  In the above embodiment, the replenishment amount and the replenishment determination amount are determined for each credit card 1a to 1c, but a uniform amount may be set for all the credit cards 1a to 1c. In this case, since it is unnecessary to transmit the replenishment amount and the replenishment determination amount from the credit cards 1a to 1c to the automatic ticket gate 3A, it is possible to speed up the processing.

  In the above embodiment, the system is configured using a non-contact type IC card. However, for example, a mobile phone or an information portable terminal with a built-in IC chip that can record information such as a credit ID and an electronic value balance is used. May be.

  In the above-described embodiment, the credit card is not particularly configured to have an expiration date. However, the credit card may have an expiration date that can be set only by a lending organization. Thereby, the use by the user who lent the credit card can be restricted, and the convenience is improved.

  For example, the expiration date recorded in the IC card can be updated by a dedicated terminal of the lending organization. This expiration date is different from the expiration date set for the credit card by the credit company.

  In the above embodiment, the bit corresponding to the availability of each processing function is recorded in the credit card, and each function is selectively invalidated by a program for updating the bit. Only the function may be disabled, or the card itself may be physically disabled. Further, a communication function availability flag may be provided, and the communication function may be controlled by updating the flag by a program.

  For example, the card itself may be self-collapsed or a mechanism such as closing a mouth like a shell makes all subsequent use impossible.

  In disabling, the card is deactivated so that no access from an external device is accepted by closing the communication gate. When disabling is canceled, the card is reactivated only by receiving activation from a predetermined device. A card that can be used may be used.

  FIG. 43 shows an example of a hardware configuration diagram of a credit card when the communication function of the card is invalidated. In this figure, an invalidation switch 4301 is provided between the internal bus 4300 and the communication circuit 22. When the CPU 20 determines that the credit card is invalid, the CPU 20 turns off the invalidation switch 4301 and puts the communication circuit 22 and the internal bus 4300 into an unconnected state.

  As a result, the communication function of the credit card becomes invalid and communication with the card settlement apparatus 3 cannot be performed, so that useless communication processing with an invalid card can be avoided.

It is a figure which shows the example of the whole structure of this invention. It is a figure which shows the example of the functional block diagram of this invention. It is a figure which shows the example of the functional block diagram of this invention. It is a figure which shows the example of the hardware block diagram of the credit card of this invention. It is a figure which shows the example of the hardware block diagram of the automatic ticket gate system of this invention. It is a figure which shows the example of the hardware block diagram of the credit server apparatus of this invention. It is a figure which shows the example of the hardware block diagram of the loan server apparatus of this invention. It is a figure which shows the example of the application form of the credit ID loan system of this invention. It is a figure which shows the example of the flowchart in "issue of a credit card." It is a figure which shows the example of the display screen in a "determination input screen". It is a figure which shows the example of the maximum amount determination table. It is a figure which shows the example of a company database. It is a figure which shows the example of a loan database. It is a figure which shows the example of the recording part of a credit card. It is a figure which shows the example of the flowchart in "use of a credit card." It is a figure which shows the example of an invalid card database. It is a figure which shows the example of a payment information database. It is a figure which shows the example of the flowchart in "transmission of payment information". It is a figure which shows the example of the flowchart in "billing process". It is a figure which shows the example of the flowchart in "settlement process". It is a figure which shows the example of a payment database. It is a figure which shows the example of the whole structure of this invention. It is a figure which shows the example of a payment database (accommodation facility). It is a figure which shows the example of the whole structure of this invention. It is a figure which shows the example of a payment database (2nd credit company). It is a figure which shows the example of the flowchart in "use of a credit card." It is a figure which shows the example of the flowchart in "invalid card check process." It is a figure which shows the example of the data structure of a check bit string. It is a figure which shows the example of an invalid card database. It is a figure which shows the example of the apparatus containing a reader / writer. It is a figure which shows the example of the whole structure of this invention. It is a figure which shows the example of the hardware block diagram of the credit card of this invention, and a loan server apparatus. It is a figure which shows the example of the flowchart in "use of a credit card." It is a figure which shows the example of prepaid payment information. It is a figure which shows the example of the flowchart in "settlement process". It is a figure which shows the example of the whole structure of this invention. It is a figure which shows the example of the hardware block diagram of the credit card of this invention, and an automatic ticket gate controller. It is a figure which shows the example of a loan database. It is a figure which shows the example of an electronic value balance database. It is a figure which shows the example of the flowchart in "use of a credit card." It is a figure which shows the example of the flowchart in "the payment process of a boarding fee." It is a figure which shows the example of the flowchart in "the payment process of a boarding fee." It is a figure which shows the example of an electronic value balance database. It is a figure which shows the example of the flowchart in "use of a credit card." It is a figure which shows the example of the flowchart in the "electronic value replenishment process." It is a figure which shows the example of the flowchart in "the payment process of a boarding fee." It is a figure which shows the example of the hardware block diagram of the credit card of this invention.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Credit card 3 Automatic ticket gate system 5 Credit server apparatus 7 Lending server apparatus

Claims (41)

A credit ID lending system comprising a credit management device of a credit company, a lending organization management device of a lending organization, a card settlement device of a user organization, and a portable recording medium possessed by a user,
The portable recording medium is
A recording unit that records a credit ID and an electronic value balance;
Data exchange means for exchanging data with the card payment device;
With
Card payment device
A data recording means for exchanging data with a portable recording medium, a lending institution management device, a credit management device;
ID / value acquisition means for acquiring a credit ID and an electronic value balance from a portable recording medium corresponding to the use performed by the user at the user organization;
A determination means for subtracting a payment amount corresponding to the use of the user from the acquired electronic value balance, and determining whether or not the electronic value balance after the subtraction is equal to or less than a predetermined replenishment determination amount;
If it is not less than the replenishment judgment amount, the subtracted electronic value balance is output and recorded on a portable recording medium, and if it is less than the replenishment judgment amount, the electronic value balance after subtraction is added with the supplement amount. Electronic value balance update means for outputting and recording as a value balance on a portable recording medium;
Prepaid settlement information output means for outputting prepaid settlement information including a settlement amount corresponding to the use of the user and a credit ID to a lending institution management device;
Credit settlement information output means for outputting credit settlement information and credit ID including the supplement amount to the credit management device when the electronic value is supplemented;
With
Credit management device
A recording unit that records a plurality of credit IDs issued to a lending institution and credit IDs and lending institution correspondence information associated with each lending institution;
Data exchange means for exchanging data with the card payment device;
A payment information recording means for recording the credit ID and the credit payment information output from the card payment device in a recording unit for each transaction;
A payment amount calculation means for calculating a credit payment amount for each lending institution based on the credit settlement information and the credit ID / lending institution correspondence information recorded in the recording unit;
With
Lending organization management device
For a plurality of credit IDs issued by the credit company to the lending institution, a recording unit that records credit ID / user correspondence information that associates user information of users assigned to each credit ID;
Data exchange means for exchanging data with the card payment device;
Payment information recording means for recording the credit ID and prepaid payment information output from the card payment device in a recording unit for each transaction;
Usage status calculation means for calculating usage status for each user based on prepaid payment information and credit ID / user correspondence information recorded in the recording unit;
A credit ID lending system comprising: A card settlement apparatus provided in a user institution to constitute a credit ID lending system together with a credit company credit management apparatus, a lending institution lending institution management apparatus, and a portable recording medium possessed by a user,
A data recording means for exchanging data with a portable recording medium, a lending institution management device, a credit management device;
ID / value acquisition means for acquiring a credit ID and an electronic value balance from a portable recording medium corresponding to the use performed by the user at the user organization;
A determination means for subtracting a payment amount corresponding to the use of the user from the acquired electronic value balance, and determining whether or not the electronic value balance after the subtraction is equal to or less than a predetermined replenishment determination amount;
If it is not less than the replenishment judgment amount, the subtracted electronic value balance is output and recorded on a portable recording medium, and if it is less than the replenishment judgment amount, the electronic value balance after subtraction is added with the supplement amount. Electronic value balance update means for outputting and recording as a value balance on a portable recording medium;
Prepaid settlement information output means for outputting prepaid settlement information including a settlement amount corresponding to the use of the user and a credit ID to a lending institution management device;
Credit settlement information output means for outputting credit settlement information and credit ID including the supplement amount to the credit management device when the electronic value is supplemented;
A card settlement apparatus for a credit ID lending system. A credit management device provided in a credit company in order to constitute a credit ID lending system together with a lending organization's lending organization management device, a user organization's card payment device, and a portable recording medium possessed by the user,
A recording unit that records a plurality of credit IDs issued to a lending institution and credit IDs and lending institution correspondence information associated with each lending institution;
Data exchange means for exchanging data with the card payment device;
A payment information recording means for recording the credit ID and the credit payment information output from the card payment device in a recording unit for each transaction;
A payment amount calculation means for calculating a credit payment amount for each lending institution based on the credit settlement information and the credit ID / lending institution correspondence information recorded in the recording unit;
A credit management device for a credit ID lending system. A credit institution management device provided in a credit institution to constitute a credit ID lending system together with a credit management device of a credit company, a card settlement device of a user organization, and a portable recording medium possessed by a user,
For a plurality of credit IDs issued by the credit company to the lending institution, a recording unit that records credit ID / user correspondence information that associates user information of users assigned to each credit ID;
Data exchange means for exchanging data with the card payment device;
Payment information recording means for recording the credit ID and prepaid payment information output from the card payment device in a recording unit for each transaction;
Usage status calculation means for calculating usage status for each user based on prepaid payment information and credit ID / user correspondence information recorded in the recording unit;
A lending institution management apparatus for a credit ID lending system. A credit ID lending system comprising a credit management device of a credit company, a lending organization management device of a lending organization, a card settlement device of a user organization, and a portable recording medium possessed by a user,
The portable recording medium is
A recording unit that records the credit ID;
Data exchange means for exchanging data with the card payment device;
With
Card payment device
A data recording means for exchanging data with a portable recording medium, a lending institution management device, a credit management device;
A recording unit that records the electronic value balance in association with each credit ID;
ID acquisition means for acquiring a credit ID from a portable recording medium corresponding to the use performed by the user at the user organization;
The electronic value balance corresponding to the acquired credit ID is acquired with reference to the recording unit, the payment amount corresponding to the use of the user is subtracted from the electronic value balance, and the electronic value balance after the subtraction is determined as a predetermined replenishment determination. A determination means for determining whether or not the amount is less than or equal to the amount;
If it is not less than the replenishment judgment amount, the subtracted electronic value balance is recorded in the recording unit. Electronic value balance updating means for recording the electronic value balance in the recording unit;
Prepaid settlement information output means for outputting prepaid settlement information including a settlement amount corresponding to the use of the user and a credit ID to a lending institution management device;
Credit settlement information output means for outputting credit settlement information and credit ID including the supplement amount to the credit management device when the electronic value is supplemented;
With
Credit management device
A recording unit that records a plurality of credit IDs issued to a lending institution and credit IDs and lending institution correspondence information associated with each lending institution;
Data exchange means for exchanging data with the card payment device;
A payment information recording means for recording the credit ID and the credit payment information output from the card payment device in a recording unit for each transaction;
A payment amount calculation means for calculating a credit payment amount for each lending institution based on the credit settlement information and the credit ID / lending institution correspondence information recorded in the recording unit;
With
Lending organization management device
For a plurality of credit IDs issued by the credit company to the lending institution, a recording unit that records credit ID / user correspondence information that associates user information of users assigned to each credit ID;
Data exchange means for exchanging data with the card payment device;
Payment information recording means for recording the credit ID and prepaid payment information output from the card payment device in a recording unit for each transaction;
Usage status calculation means for calculating usage status for each user based on prepaid payment information and credit ID / user correspondence information recorded in the recording unit;
A credit ID lending system comprising: A card settlement apparatus provided in a user institution to constitute a credit ID lending system together with a credit company credit management apparatus, a lending institution lending institution management apparatus, and a portable recording medium possessed by a user,
A data recording means for exchanging data with a portable recording medium, a lending institution management device, a credit management device;
A recording unit that records the electronic value balance in association with each credit ID;
ID acquisition means for acquiring a credit ID from a portable recording medium corresponding to the use performed by the user at the user organization;
The electronic value balance corresponding to the acquired credit ID is acquired with reference to the recording unit, the payment amount corresponding to the use of the user is subtracted from the electronic value balance, and the electronic value balance after the subtraction is determined as a predetermined replenishment determination. A determination means for determining whether or not the amount is less than or equal to the amount;
If it is not less than the replenishment judgment amount, the subtracted electronic value balance is recorded in the recording unit. Electronic value balance updating means for recording the electronic value balance in the recording unit;
Prepaid settlement information output means for outputting prepaid settlement information including a settlement amount corresponding to the use of the user and a credit ID to a lending institution management device;
Credit settlement information output means for outputting credit settlement information and credit ID including the supplement amount to the credit management device when the electronic value is supplemented;
A card settlement apparatus for a credit ID lending system. A credit ID lending system comprising a credit management device of a credit company, a lending organization management device of a lending organization, a card settlement device of a user organization, and a portable recording medium possessed by a user,
The portable recording medium is
A recording unit for recording credit ID, electronic value balance and prepaid payment information;
Data exchange means for exchanging data with the card settlement device and the lending institution management device;
With
Card payment device
Data exchange means for exchanging data with a portable recording medium and a credit management device;
ID / value acquisition means for acquiring a credit ID and an electronic value balance from a portable recording medium corresponding to the use performed by the user at the user organization;
A determination means for subtracting a payment amount corresponding to the use of the user from the acquired electronic value balance, and determining whether or not the electronic value balance after the subtraction is equal to or less than a predetermined replenishment determination amount;
If it is not less than the replenishment judgment amount, the subtracted electronic value balance is output and recorded on a portable recording medium, and if it is less than the replenishment judgment amount, the electronic value balance after subtraction is added with the supplement amount. Electronic value balance update means for outputting and recording as a value balance on a portable recording medium;
Prepaid payment information output means for outputting and recording prepaid payment information including a payment amount corresponding to the use of the user on a portable recording medium;
Credit settlement information output means for outputting credit settlement information and credit ID including the supplement amount to the credit management device when the electronic value is supplemented;
With
Credit management device
A recording unit that records a plurality of credit IDs issued to a lending institution and credit IDs and lending institution correspondence information associated with each lending institution;
Data exchange means for exchanging data with the card payment device;
A payment information recording means for recording the credit ID and the credit payment information output from the card payment device in a recording unit for each transaction;
A payment amount calculation means for calculating a credit payment amount for each lending institution based on the credit settlement information and the credit ID / lending institution correspondence information recorded in the recording unit;
With
Lending organization management device
For a plurality of credit IDs issued by the credit company to the lending institution, a recording unit that records credit ID / user correspondence information that associates user information of users assigned to each credit ID;
Data exchange means for exchanging data with a portable recording medium;
Payment information recording means for recording the prepaid payment information read from the portable recording medium in the recording unit for each transaction;
Usage status calculation means for calculating usage status for each user based on prepaid payment information and credit ID / user correspondence information recorded in the recording unit;
A credit ID lending system comprising: A card settlement apparatus provided in a user institution to constitute a credit ID lending system together with a credit company credit management apparatus, a lending institution lending institution management apparatus, and a portable recording medium possessed by a user,
Data exchange means for exchanging data with a portable recording medium and a credit management device;
ID / value acquisition means for acquiring a credit ID and an electronic value balance from a portable recording medium corresponding to the use performed by the user at the user organization;
A determination means for subtracting a payment amount corresponding to the use of the user from the acquired electronic value balance, and determining whether or not the electronic value balance after the subtraction is equal to or less than a predetermined replenishment determination amount;
If it is not less than the replenishment judgment amount, the subtracted electronic value balance is output and recorded on a portable recording medium, and if it is less than the replenishment judgment amount, the electronic value balance after subtraction is added with the supplement amount. Electronic value balance update means for outputting and recording as a value balance on a portable recording medium;
Prepaid payment information output means for outputting and recording prepaid payment information including a payment amount corresponding to the use of the user on a portable recording medium;
Credit settlement information output means for outputting credit settlement information and credit ID including the supplement amount to the credit management device when the electronic value is supplemented;
A card settlement apparatus for a credit ID lending system. A credit institution management device provided in a credit institution to constitute a credit ID lending system together with a credit management device of a credit company, a card settlement device of a user organization, and a portable recording medium possessed by a user,
For a plurality of credit IDs issued by the credit company to the lending institution, a recording unit that records credit ID / user correspondence information that associates user information of users assigned to each credit ID;
Data exchange means for exchanging data with a portable recording medium;
Payment information recording means for recording the prepaid payment information read from the portable recording medium in the recording unit for each transaction;
Usage status calculation means for calculating usage status for each user based on prepaid payment information and credit ID / user correspondence information recorded in the recording unit;
A lending institution management apparatus for a credit ID lending system. A credit ID lending system comprising a credit management device of a credit company, a lending organization management device of a lending organization, a card settlement device of a user organization, and a portable recording medium possessed by a user,
The portable recording medium is
A recording unit for recording a credit ID and prepaid payment information;
Data exchange means for exchanging data with the card settlement device and the lending institution management device;
With
Card payment device
Data exchange means for exchanging data with a portable recording medium and a credit management device;
A recording unit that records the electronic value balance in association with each credit ID;
ID acquisition means for acquiring a credit ID from a portable recording medium corresponding to the use performed by the user at the user organization;
The electronic value balance corresponding to the acquired credit ID is acquired with reference to the recording unit, the payment amount corresponding to the use of the user is subtracted from the electronic value balance, and the electronic value balance after the subtraction is determined as a predetermined replenishment determination. A determination means for determining whether or not the amount is less than or equal to the amount;
If it is not less than the replenishment judgment amount, the subtracted electronic value balance is recorded in the recording unit. Electronic value balance updating means for recording the electronic value balance in the recording unit;
Prepaid payment information output means for outputting and recording prepaid payment information including a payment amount corresponding to the use of the user on a portable recording medium;
Credit settlement information output means for outputting credit settlement information and credit ID including the supplement amount to the credit management device when the electronic value is supplemented;
With
Credit management device
A recording unit that records a plurality of credit IDs issued to a lending institution and credit IDs and lending institution correspondence information associated with each lending institution;
Data exchange means for exchanging data with the card payment device;
A payment information recording means for recording the credit ID and the credit payment information output from the card payment device in a recording unit for each transaction;
A payment amount calculation means for calculating a credit payment amount for each lending institution based on the credit settlement information and the credit ID / lending institution correspondence information recorded in the recording unit;
With
Lending organization management device
For a plurality of credit IDs issued by the credit company to the lending institution, a recording unit that records credit ID / user correspondence information that associates user information of users assigned to each credit ID;
Data exchange means for exchanging data with a portable recording medium;
Payment information recording means for recording the prepaid payment information read from the portable recording medium in the recording unit for each transaction;
Usage status calculation means for calculating usage status for each user based on prepaid payment information and credit ID / user correspondence information recorded in the recording unit;
A credit ID lending system comprising: A card settlement apparatus provided in a user institution to constitute a credit ID lending system together with a credit company credit management apparatus, a lending institution lending institution management apparatus, and a portable recording medium possessed by a user,
Data exchange means for exchanging data with a portable recording medium and a credit management device;
A recording unit that records the electronic value balance in association with each credit ID;
ID acquisition means for acquiring a credit ID from a portable recording medium corresponding to the use performed by the user at the user organization;
The electronic value balance corresponding to the acquired credit ID is acquired with reference to the recording unit, the payment amount corresponding to the use of the user is subtracted from the electronic value balance, and the electronic value balance after the subtraction is determined as a predetermined replenishment determination. A determination means for determining whether or not the amount is less than or equal to the amount;
If it is not less than the replenishment judgment amount, the subtracted electronic value balance is recorded in the recording unit. Electronic value balance updating means for recording the electronic value balance in the recording unit;
Prepaid payment information output means for outputting and recording prepaid payment information including a payment amount corresponding to the use of the user on a portable recording medium;
Credit settlement information output means for outputting credit settlement information and credit ID including the supplement amount to the credit management device when the electronic value is supplemented;
A card settlement apparatus for a credit ID lending system. A credit ID lending system comprising a credit management device of a credit company, a lending organization management device of a lending organization, a card settlement device of a user organization, and a portable recording medium possessed by a user,
The portable recording medium is
A recording unit that records a credit ID and an electronic value balance;
Data exchange means for exchanging data with the card payment device;
With
Card payment device
Data exchange means for exchanging data with a portable recording medium and a credit management device;
ID / value acquisition means for acquiring a credit ID and an electronic value balance from a portable recording medium corresponding to the use performed by the user at the user organization;
A determination means for subtracting a payment amount corresponding to the use of the user from the acquired electronic value balance, and determining whether or not the electronic value balance after the subtraction is equal to or less than a predetermined replenishment determination amount;
If it is not less than the replenishment judgment amount, the subtracted electronic value balance is output and recorded on a portable recording medium, and if it is less than the replenishment judgment amount, the electronic value balance after subtraction is added with the supplement amount. Electronic value balance update means for outputting and recording as a value balance on a portable recording medium;
Prepaid payment information output means for outputting prepaid payment information including a payment amount corresponding to the use of the user and a credit ID to a credit management device;
Credit settlement information output means for outputting credit settlement information and credit ID including the supplement amount to the credit management device when the electronic value is supplemented;
With
Credit management device
A recording unit that records a plurality of credit IDs issued to a lending institution and credit IDs and lending institution correspondence information associated with each lending institution;
Data exchange means for exchanging data with the card settlement device and the lending institution management device;
A payment information recording means for recording the credit ID and the credit payment information output from the card payment device in a recording unit for each transaction;
A payment amount calculation means for calculating a credit payment amount for each lending institution based on the credit settlement information and the credit ID / lending institution correspondence information recorded in the recording unit;
Prepaid settlement information output means for outputting the prepaid settlement information and credit ID output from the card settlement apparatus to the lending institution management apparatus corresponding to the credit ID based on the credit ID / lending institution correspondence information;
With
Lending organization management device
For a plurality of credit IDs issued by the credit company to the lending institution, a recording unit that records credit ID / user correspondence information that associates user information of users assigned to each credit ID;
Data exchange means for exchanging data with the credit management device;
Payment information recording means for recording the prepaid payment information and the credit ID output from the credit management device in a recording unit for each transaction;
Usage status calculation means for calculating usage status for each user based on prepaid payment information and credit ID / user correspondence information recorded in the recording unit;
A credit ID lending system comprising: A card settlement apparatus provided in a user institution to constitute a credit ID lending system together with a credit company credit management apparatus, a lending institution lending institution management apparatus, and a portable recording medium possessed by a user,
Data exchange means for exchanging data with a portable recording medium and a credit management device;
ID / value acquisition means for acquiring a credit ID and an electronic value balance from a portable recording medium corresponding to the use performed by the user at the user organization;
A determination means for subtracting a payment amount corresponding to the use of the user from the acquired electronic value balance, and determining whether or not the electronic value balance after the subtraction is equal to or less than a predetermined replenishment determination amount;
If it is not less than the replenishment judgment amount, the subtracted electronic value balance is output and recorded on a portable recording medium, and if it is less than the replenishment judgment amount, the electronic value balance after subtraction is added with the supplement amount. Electronic value balance update means for outputting and recording as a value balance on a portable recording medium;
Prepaid payment information output means for outputting prepaid payment information including a payment amount corresponding to the use of the user and a credit ID to a credit management device;
Credit settlement information output means for outputting credit settlement information and credit ID including the supplement amount to the credit management device when the electronic value is supplemented;
A card settlement apparatus for a credit ID lending system. A credit management device provided in a credit company in order to constitute a credit ID lending system together with a lending organization's lending organization management device, a user organization's card payment device, and a portable recording medium possessed by the user,
A recording unit that records a plurality of credit IDs issued to a lending institution and credit IDs and lending institution correspondence information associated with each lending institution;
Data exchange means for exchanging data with the card settlement device and the lending institution management device;
A payment information recording means for recording the credit ID and the credit payment information output from the card payment device in a recording unit for each transaction;
A payment amount calculation means for calculating a credit payment amount for each lending institution based on the credit settlement information and the credit ID / lending institution correspondence information recorded in the recording unit;
Prepaid settlement information output means for outputting the prepaid settlement information and credit ID output from the card settlement apparatus to the lending institution management apparatus corresponding to the credit ID based on the credit ID / lending institution correspondence information;
A credit management device for a credit ID lending system. A credit institution management device provided in a credit institution to constitute a credit ID lending system together with a credit management device of a credit company, a card settlement device of a user organization, and a portable recording medium possessed by a user,
For a plurality of credit IDs issued by the credit company to the lending institution, a recording unit that records credit ID / user correspondence information that associates user information of users assigned to each credit ID;
Data exchange means for exchanging data with the credit management device;
Payment information recording means for recording the prepaid payment information and the credit ID output from the credit management device in a recording unit for each transaction;
Usage status calculation means for calculating usage status for each user based on prepaid payment information and credit ID / user correspondence information recorded in the recording unit;
A lending institution management apparatus for a credit ID lending system. A credit ID lending system comprising a credit management device of a credit company, a lending organization management device of a lending organization, a card settlement device of a user organization, and a portable recording medium possessed by a user,
The portable recording medium is
A recording unit that records the credit ID;
Data exchange means for exchanging data with the card payment device;
With
Card payment device
Data exchange means for exchanging data with a portable recording medium and a credit management device;
A recording unit that records the electronic value balance in association with each credit ID;
ID acquisition means for acquiring a credit ID from a portable recording medium corresponding to the use performed by the user at the user organization;
The electronic value balance corresponding to the acquired credit ID is acquired with reference to the recording unit, the payment amount corresponding to the use of the user is subtracted from the electronic value balance, and the electronic value balance after the subtraction is determined as a predetermined replenishment determination. A determination means for determining whether or not the amount is less than or equal to the amount;
If it is not less than the replenishment judgment amount, the subtracted electronic value balance is recorded in the recording unit. Electronic value balance updating means for recording the electronic value balance in the recording unit;
Prepaid payment information output means for outputting prepaid payment information including a payment amount corresponding to the use of the user and a credit ID to a credit management device;
Credit settlement information output means for outputting credit settlement information and credit ID including the supplement amount to the credit management device when the electronic value is supplemented;
With
Credit management device
A recording unit that records a plurality of credit IDs issued to a lending institution and credit IDs and lending institution correspondence information associated with each lending institution;
Data exchange means for exchanging data with the card settlement device and the lending institution management device;
A payment information recording means for recording the credit ID and the credit payment information output from the card payment device in a recording unit for each transaction;
A payment amount calculation means for calculating a credit payment amount for each lending institution based on the credit settlement information and the credit ID / lending institution correspondence information recorded in the recording unit;
Prepaid settlement information output means for outputting the prepaid settlement information and credit ID output from the card settlement apparatus to the lending institution management apparatus corresponding to the credit ID based on the credit ID / lending institution correspondence information;
With
Lending organization management device
For a plurality of credit IDs issued by the credit company to the lending institution, a recording unit that records credit ID / user correspondence information that associates user information of users assigned to each credit ID;
Data exchange means for exchanging data with the credit management device;
Payment information recording means for recording the prepaid payment information and the credit ID output from the credit management device in a recording unit for each transaction;
Usage status calculation means for calculating usage status for each user based on prepaid payment information and credit ID / user correspondence information recorded in the recording unit;
A credit ID lending system comprising: A card settlement apparatus provided in a user institution to constitute a credit ID lending system together with a credit company credit management apparatus, a lending institution lending institution management apparatus, and a portable recording medium possessed by a user,
Data exchange means for exchanging data with a portable recording medium and a credit management device;
A recording unit that records the electronic value balance in association with each credit ID;
ID acquisition means for acquiring a credit ID from a portable recording medium corresponding to the use performed by the user at the user organization;
The electronic value balance corresponding to the acquired credit ID is acquired with reference to the recording unit, the payment amount corresponding to the use of the user is subtracted from the electronic value balance, and the electronic value balance after the subtraction is determined as a predetermined replenishment determination. A determination means for determining whether or not the amount is less than or equal to the amount;
If it is not less than the replenishment judgment amount, the subtracted electronic value balance is recorded in the recording unit. Electronic value balance updating means for recording the electronic value balance in the recording unit;
Prepaid payment information output means for outputting prepaid payment information including a payment amount corresponding to the use of the user and a credit ID to a credit management device;
Credit settlement information output means for outputting credit settlement information and credit ID including the supplement amount to the credit management device when the electronic value is supplemented;
A card settlement apparatus for a credit ID lending system. In the system or apparatus in any one of Claim 5, 6, 10, 11, 16, and 17,
The recording unit of the card payment apparatus records a plurality of credit IDs as a group,
The determination means of the card settlement apparatus totals the electronic value balance after the subtraction and electronic value balances corresponding to other credit IDs belonging to the same group as the credit ID, and the total electronic value balance is a predetermined replenishment determination amount. Determine whether or not
The electronic value balance update means of the card settlement apparatus performs the replenishment if the total electronic value balance is equal to or less than a replenishment determination amount. The system or apparatus of claim 18.
The replenishment is performed for the credit ID used. The system or apparatus of claim 18.
The replenishment is performed so that the electronic value balance of the credit ID in the group after the replenishment becomes the same predetermined amount. The system or apparatus of claim 18.
The replenishment is performed so that the electronic value balance of the credit ID in the group after the replenishment becomes a predetermined amount set for each credit ID. In the system or apparatus in any one of Claim 5, 6, 10, 11, 16, 17-21,
The recording unit of the card payment apparatus records a plurality of credit IDs as a group,
The determination means of the card payment apparatus further determines whether or not the payment amount is larger than the electronic value balance,
When the payment amount is larger than the electronic value balance, the electronic value balance update means of the card payment device subtracts the shortage amount from the electronic value balance of another credit ID belonging to the same group as the credit ID. It is characterized by updating. In the system or apparatus in any one of Claims 1-22,
The replenishment determination amount is recorded in a recording unit of the portable recording medium. In the system or apparatus in any one of Claims 1-22,
The replenishment determination amount is recorded in a recording unit of the card settlement apparatus. In the system or apparatus in any one of Claims 1-24,
The card payment device includes an automatic ticket gate installed in a transportation facility and a use organization management device,
The automatic ticket gate includes ticket gate data exchange means, ID / value acquisition means, determination means, and electronic value balance update means that constitute a part of the data exchange means,
The ticket gate data exchange means is for exchanging data with a portable recording medium and a user organization management device,
The user institution management device includes a management device data exchange means, a prepaid payment information output means, and a credit payment information output means that constitute a part of the data exchange means,
The management device data exchanging means exchanges data with an automatic ticket gate, a lending institution management device, and a credit management device. An automatic ticket gate provided in a transportation facility to constitute a credit ID lending system together with a credit management device of a credit company, a lending organization management device of a lending organization, a portable recording medium possessed by a user, and a use organization management device Machine,
A ticket exchange data exchange means for exchanging data with a portable recording medium, a user institution management device, and
ID / value acquisition means for acquiring a credit ID and an electronic value balance from a portable recording medium corresponding to the use performed by the user at the user organization;
A determination means for subtracting a payment amount corresponding to the use of the user from the acquired electronic value balance, and determining whether or not the electronic value balance after the subtraction is equal to or less than a predetermined replenishment determination amount;
If it is not less than the replenishment judgment amount, the subtracted electronic value balance is output and recorded on a portable recording medium, and if it is less than the replenishment judgment amount, the electronic value balance after subtraction is added with the supplement amount. Electronic value balance update means for outputting and recording as a value balance on a portable recording medium;
An automatic ticket gate for a credit ID lending system. Credit card company credit management device, loan agency management device management device, portable recording medium possessed by the user, automatic ID gate system together with the use of the institution management provided in the transportation facility A device,
A credit management device, a lending institution management device, a management device data exchange means for exchanging data with an automatic ticket gate,
Prepaid payment information output means for outputting prepaid payment information including a payment amount corresponding to the use of the user to a lending institution management device;
Credit settlement information output means for outputting credit settlement information and credit ID including the supplement amount to the credit management device when the automatic ticket gate supplements the electronic value;
A user institution management apparatus for a credit ID lending system. 28. The system or apparatus of any of claims 25-27,
The automatic ticket gate
At the time of boarding, boarding station recording means for recording boarding station information in a recording unit of a portable recording medium possessed by the user,
Payment amount calculation means for calculating the payment amount based on the boarding station information recorded in the recording unit of the portable recording medium possessed by the user when getting off;
It is further provided with. In the system or apparatus in any one of Claims 1-24,
The card payment device includes an in-vehicle device installed in a car and a use organization management device,
The vehicle-mounted device includes vehicle-mounted device data exchange means, ID / value acquisition means, determination means, and electronic value balance update means that constitute a part of the data exchange means,
The vehicle-mounted device data exchanging means is for exchanging data with a portable recording medium, a user organization management device,
The user institution management device includes a management device data exchange means, a prepaid payment information output means, and a credit payment information output means that constitute a part of the data exchange means,
The management device data exchanging means exchanges data with an in-vehicle device, a lending institution management device, and a credit management device. An in-vehicle device provided in a vehicle to constitute a credit ID lending system together with a credit management device of a credit company, a lending organization management device of a lending organization, a portable recording medium possessed by a user, and a use organization management device There,
A portable recording medium, an in-vehicle device data exchange means for exchanging data with the user organization management device,
ID / value acquisition means for acquiring a credit ID and an electronic value balance from a portable recording medium corresponding to the use performed by the user at the user organization;
A determination means for subtracting a payment amount corresponding to the use of the user from the acquired electronic value balance, and determining whether or not the electronic value balance after the subtraction is equal to or less than a predetermined replenishment determination amount;
If it is not less than the replenishment judgment amount, the subtracted electronic value balance is output and recorded on a portable recording medium, and if it is less than the replenishment judgment amount, the electronic value balance after subtraction is added with the supplement amount. Electronic value balance update means for outputting and recording as a value balance on a portable recording medium;
An in-vehicle device for a credit ID lending system. Credit agency credit management device, loan agency management device, user-carrying portable recording medium, and use institution management device provided in a transportation facility to constitute a credit ID loan system together with an in-vehicle device Because
A credit management device, a lending institution management device, a management device data exchange means for exchanging data with an in-vehicle device, and
Prepaid payment information output means for outputting prepaid payment information including a payment amount corresponding to the use of the user to a lending institution management device;
Credit settlement information output means for outputting credit settlement information and credit ID including the supplement amount to the credit management device when the in-vehicle device supplements the electronic value;
A user institution management apparatus for a credit ID lending system. 32. The system or apparatus of any of claims 29-31,
The in-vehicle device is
Entry information recording means for communicating with the communication means of the user organization management device installed at the road entrance, and recording the entrance information in the recording unit of the portable recording medium;
A payment amount calculation means for calculating a payment amount based on the entrance information recorded in the recording unit of the portable recording medium, communicating with the communication means of the user organization management device installed at the road exit;
It is further provided with. In the system or apparatus in any one of Claims 1-32,
The lending institution and the user are in a user-employee relationship, and the user lends the portable recording medium to a plurality of employees,
The usage status calculation means of the lending institution management apparatus calculates a total usage amount for each employee based on prepaid payment information and credit ID / user correspondence information recorded in a recording unit. In the system or apparatus in any one of Claims 1-32,
The lending institution and the user are in a relationship between an accommodation facility and the guest, and the accommodation facility lends the portable recording medium to a plurality of guests,
The usage status calculation means of the lending institution management apparatus calculates the total usage amount for each guest based on the prepaid payment information and the credit ID / user correspondence information recorded in the recording unit. In the system or apparatus in any one of Claims 1-32,
The portable recording medium is a credit card,
The credit company is a first credit company, and the lending institution is a second credit company to which a user is subscribed;
The second credit company lends the credit card of the first credit company to the user;
The payment amount calculation means of the credit management device calculates a charge amount for each second credit company by totaling the payment amounts for each of the plurality of second credit companies,
The utilization status calculation means of the lending institution management apparatus calculates a credit charge amount for each user by summing up settlement amounts for each user. A credit ID lending system comprising a credit management device of a credit company, a lending organization management device of a lending organization, and a card settlement device of a user organization,
The credit management device records a plurality of credit IDs issued to the lending institution and credit ID / lending institution correspondence information in which each lending institution is associated,
The lending institution management device corresponds to the user information of the user assigned to each credit ID for a plurality of credit IDs issued to the lending institution by the credit company and recorded in association with the lending institution in the credit management device. Recorded credit ID and user correspondence information,
The card payment device outputs the credit ID of the user and the payment information of the commercial transaction to the lending institution management device and the credit management device in response to the business transaction performed by the user at the user organization,
The lending institution management device records the credit ID and payment information received from the card payment device for each transaction, and outputs the usage status for each user based on the recorded payment information and credit ID / user correspondence information. ,
The credit management device records the credit ID and payment information received from the card payment device for each transaction, and outputs the payment amount for each lending organization based on the recorded payment information and credit ID / loan organization correspondence information. A credit ID lending system characterized by: A credit ID lending system comprising a credit management device of a credit company, a lending organization management device of a lending organization, and a card settlement device of a user organization,
Card payment device
A data exchange means for exchanging data with a lending institution management device and a credit management device;
Credit ID acquisition means for acquiring a credit ID of the user in response to a commercial transaction performed by the user at the user organization;
Payment information acquisition means for acquiring payment information including at least the payment amount of the commercial transaction;
Payment information output means for outputting the credit ID and the payment information to the lending server device and the credit server device;
With
Credit management device
A recording unit that records a plurality of credit IDs issued to a lending institution and credit IDs and lending institution correspondence information associated with each lending institution;
Data exchange means for exchanging data with the card payment device;
A payment information recording means for recording the credit ID and payment information received from the card payment device in a recording unit for each transaction;
A payment amount calculating means for calculating a payment amount for each lending institution based on the settlement information recorded in the recording unit and the credit ID / lending institution correspondence information;
With
Lending organization management device
Credit IDs and users associated with user information assigned to each credit ID for a plurality of credit IDs issued to the lending institution by the credit company and recorded in association with the lending institution in the credit management device A recording unit that records correspondence information;
A communication means for exchanging data with the card payment device;
A payment information recording means for recording the credit ID and the payment information transmitted from the card payment apparatus in a recording unit for each transaction;
Usage status calculation means for calculating usage status for each user based on the payment information and credit ID / user correspondence information recorded in the recording unit;
A credit ID lending system comprising: A card settlement apparatus provided in a user institution to configure a credit ID lending system together with a credit company credit management apparatus and a lending institution lending institution management apparatus,
A data exchange means for exchanging data with a lending institution management device and a credit management device;
Credit ID acquisition means for acquiring a credit ID of the user in response to a commercial transaction performed by the user at the user organization;
Payment information acquisition means for acquiring payment information including at least the payment amount of the commercial transaction;
Payment information output means for outputting the credit ID and the payment information to the lending server device and the credit server device;
A card settlement apparatus for a credit ID lending system. A credit management device installed in a credit company in order to configure a credit ID lending system together with a lending institution management device and a credit card settlement device of a user organization,
A recording unit that records a plurality of credit IDs issued to a lending institution and credit IDs and lending institution correspondence information associated with each lending institution;
Data exchange means for exchanging data with the card payment device;
A payment information recording means for recording the credit ID and payment information received from the card payment device in a recording unit for each transaction;
A payment amount calculating means for calculating a payment amount for each lending institution based on the settlement information recorded in the recording unit and the credit ID / lending institution correspondence information;
A credit management device for a credit ID lending system. A lending institution management apparatus provided in a lending institution to constitute a credit ID lending system together with a credit management apparatus of a credit company and a card settlement apparatus of a user institution,
Credit IDs and users associated with user information assigned to each credit ID for a plurality of credit IDs issued to the lending institution by the credit company and recorded in association with the lending institution in the credit management device A recording unit that records correspondence information;
A communication means for exchanging data with the card payment device;
A payment information recording means for recording the credit ID and the payment information transmitted from the card payment apparatus in a recording unit for each transaction;
Usage status calculation means for calculating usage status for each user based on the payment information and credit ID / user correspondence information recorded in the recording unit;
A lending institution management apparatus for a credit ID lending system. 41. The system or apparatus of any of claims 37-40 ,
The portable recording medium is a credit card,
The credit company is a first credit company, and the lending institution is a second credit company to which a user is subscribed;
The second credit company lends the credit card of the first credit company to the user;
The payment amount calculation means of the credit management device calculates a charge amount for each second credit company by totaling the payment amounts for each of the plurality of second credit companies,
The utilization status calculation means of the lending institution management apparatus calculates the amount charged for each user by summing the payment amounts for each user.

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