JP4243597B2 - Card use information processing apparatus and card use information processing method - Google Patents

Description

  The present invention relates to a card use information processing apparatus and a card use information processing method that allow a card member to be charged in the currency of a foreign currency asset held when a credit card or debit card is used overseas.

  International standardization for processing credit card usage information has progressed, and international credit cards that can be used around the world have become widespread. Use as a debit card using the card network that has spread as a credit card infrastructure Can now also.

  In Japan, as the number of overseas travelers has increased, the number of cards issued in Japan has increased.

  On the other hand, the number of financial institutions that handle foreign currency deposits has increased, and Japanese have held foreign currency assets in the accounts of Japanese financial institutions. For example, Patent Document 1 and Patent Document 2).

JP 2001-229247 A JP 2002-032581 A

  By the way, in the credit card standard currently in widespread use, the card member's billing (settlement) currency is determined in advance when the card is issued, and the card network uses card usage information that uses different currencies depending on the case. It is not a system for processing.

  Therefore, for credit cards normally issued in Japan, the billing currency to the cardholder is Japanese yen, and when using a credit card overseas, the card issuer sends the financial institution to the financial institution on the prescribed reference date. The invoice amount converted to Japanese yen based on the rate is notified, and the financial institution deducts the invoice amount from the cardholder's yen asset account.

  In Japan, cards that use other currencies such as US dollars as the billing currency are issued. In this case, even if a credit card is used in Japan, the card issuer charges the financial institution. The invoice amount converted to the currency (US dollar) is notified, and the financial institution will debit the card member's US dollar asset account.

  In any case, cardholders will be charged exchange fees when using a credit card in a currency different from the billing currency. Could not be used. Therefore, if you use a credit card in Japan, the amount used in Japanese yen will be deducted, and if you use a credit card in a country where the currency in which you own the asset is used, use it in that currency. It has been hoped that the amount will be settled.

  In response to such a request, in the invention disclosed in Patent Document 2, a card member designates an account of a currency to be debited with respect to a financial institution, and the card member can make a settlement in an arbitrary currency. It is like that.

  However, according to the present invention, if a credit card network that is currently widely used is used, the billing amount notified from the card issuing company to the financial institution is the billing currency determined at the time of card issuance. Not considered. Therefore, when a financial institution deducts the amount charged from the cardholder's account, it will be necessary to convert it into the currency of the account designated by the cardholder, so the cardmember bears exchange risk and exchange fee. turn into.

  The present invention has been made to solve the above-described problem, and a card that can use a credit card in the currency of assets held by a card member while using a credit card network that has already become widespread. It is an object to provide a usage information processing apparatus and a card usage information processing method.

  In order to solve the above-described problems, the present invention receives a message specifying card use of a card member at a member store via a network, and from the message, sales currency data indicating a sales currency at the member store and a sales amount Sales data extraction means for extracting sales data including sales amount data indicating the amount of payment, and at least a billing currency registered in advance as a currency for charging the cardholder for the payment amount based on the card usage and at least the cardmember can use Among the available currencies set as one other billing currency, if the sales currency indicated by the sales currency data corresponds to either the billing currency or the usable currency, the sales currency is used as the usage currency. If the currency does not correspond to either the billing currency or the available currency, the billing currency or the interest rate Possible and available currency determining means for determining one of the currency as use currency among the currency, is characterized in that a utilization currency storage means for storing the determined information in the usage currencies.

  In another aspect of the present invention, for the billing currency and the available currency, the usage amount storage means for storing available amount data indicating the amount of money that can be used by the card member, respectively, When the currency matches the sales currency, the sales amount indicated by the sales amount data is used as the usage amount. Conversely, when the determined usage currency does not match the sales currency, the sales amount indicated by the sales amount data. It is determined whether or not the card specified by the message can be used with reference to the available amount storage means, with the amount converted to the usage currency as the usage amount.

  In another aspect, the sales amount data further includes charge amount storage means for calculating and storing charge amount data indicating the amount charged to the card member for the charge currency and the available currency. An amount obtained by converting the sales amount in the usage currency determined by the usage currency determination unit is stored in the charging amount storage unit as a charging amount.

  According to the present invention, the use of the sales data including the sales currency data indicating the sales currency at the member store and the sales amount data indicating the sales amount is used to determine the availability and charge amount management. While using the card network, the credit card can be used in the currency of the assets held by the card member.

  Other features and remarkable effects of the present invention will be understood more clearly by referring to the description of the best mode section for carrying out the present invention and the attached drawings.

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

[1. Summary of the present invention]
[1.1. Existing card usage information processing]
FIG. 1 is a diagram for explaining a mechanism of a credit card widely spread all over the world.

  In the figure, 1 is a card issuing company called “Issuer” in the credit card industry, 2 is a financial institution such as a bank or a securities company that manages the withdrawal account of the card and performs a collection agency business, and 3 is a card holder. It is a card member called.

  4 is a member store where the card member 3 can make a payment by credit card based on the member store contract, and 5 is a company which makes a contract with the member store 4 and manages the member store called Acquirer. It is a company. A card network 6 performs data communication for processing card usage information, and is connected to a system and terminal managed by the member store 4, the member store management company 5, the card issuing company 1, and the like.

  When the card member 3 uses the card for purchasing goods or paying for services at the member store 4, a message specifying the card member or the sales amount of the card use is transmitted from the terminal installed at the member store 4, The card issuing company 1 receives a message processed by the card network.

The card issuing company 1 sets an available amount (also referred to as a use limit amount, a credit line, a credit limit amount, etc.) that is an upper limit that the credit card can be used in accordance with the creditworthiness of each card member 3. If the card usage amount of the card member 3 acquired from the member store 4 is within the usable amount range of the card member 3, the card usage is approved (authorization).
Further, the card issuing company 1 makes a payment to the member store 4 through the member store management company 5 based on the sales information by the card use. On the other hand, the card issuing company 1 manages billing information to each card member 3 based on information on sales by card use. Specifically, a card usage statement can be periodically sent to the registered address of the card member 3 or can be viewed electronically such as on the Web, and the financial institution 2 managing the registered account of the member 3 To notify the billing amount. The financial institution 2 that acquired the billing information of the card member 3 performs storage for the card issuer 1 of the card member 3 on behalf of the card member 3. Specifically, the charged amount is withdrawn from the account of the member 3 and the funds are settled by a method such as transfer to an account designated by the card issuing company 1.

  Here, FIG. 2 is a diagram for explaining the outline of the card use information processing in the conventional card issuing company 1 and the financial institution 2 described above.

  In the figure, reference numeral 100 denotes a computer system managed by the card issuing company 1, and this system 100 includes functional units such as an available amount management unit 110, a charged amount storage unit 120, and a charged amount management unit 130. .

  The available amount management unit 110 includes an available amount storage unit 111 and an availability determination unit 112, and performs an authorization process for the card member 3 to use the card at the member store 4. Specifically, the usability determination unit 112 determines whether or not it is within the range of the available amount stored in the available amount storage unit 111 based on the message received from the card network 6 and determines the result. Transmit to the card network 6.

  The billing amount management unit 130 receives a telegram related to sales at the member store 4 from the card network 6, stores the billing amount for the card member 3 in the billing amount storage unit 120, and collects billing information generated during a predetermined period. In addition to creating and sending a usage statement as a membership request, processing for notifying the financial institution 2 of the amount to be charged is performed in order to settle the price of the paid transaction used by the card member 3.

  In the figure, reference numeral 200 denotes a computer system such as an account system or an information system managed by the financial institution 2, and this system 200 includes functional units such as an account balance management unit 210 and a settlement management unit 220. . The settlement management unit 220 identifies the settlement account of the card member 3 based on the billing information (telegram) notified from the card issuing company 1, deducts the billing amount, and transfers the account to the account designated by the card issuing company 1. Processing to settle the billed amount by the method.

[1.2. Relationship between existing card usage information processing and card usage information processing according to the present invention]
FIG. 3 is a diagram for explaining a relationship between a telegram that is data-communicated on an existing card network and card information processing.

  As the format of the message, ISO8583 (Financial transaction card originated messages-Interchange message specifications), which is an international standard, is widely used, and the data shown in FIG. 3 is obtained by extracting a portion related to the present invention.

  Here, “currency code” (Currency code, cardholder billing) for identifying the currency charged to the card member 3 by using the card, “Amount, Cardholder billing” for identifying the amount charged to the member, member store 4 The “sales currency” (Currency code, transaction) for specifying the sales currency at the store, and the “sales amount” (Amount, transaction) for specifying the sales amount at the member store 4 are listed. Here, the data including the billing currency data specifying “billing currency” and the billing amount data specifying “billing amount” is called “billing data”, and the sales currency data specifying “sales currency” and “sales amount” The data including the sales amount data specifying "" will be referred to as "sales data".

  As described above, in the existing credit card mechanism, the billing currency is determined in advance when the card is issued, and one billing currency corresponds to one card number. Therefore, in the card network, as the billing data, the billing amount obtained by converting the sales amount into the billing currency and the data indicating the billing currency are added to the message and transmitted to the card issuing company 1.

  Using these data, FIG. 3A shows conventional card use information processing, and B shows card use information processing of the present invention.

  In the conventional card usage information processing, the available amount management and billing amount management described with reference to FIG. 2 are performed using billing data, and sales data is used only as information displayed in the usage details.

  Therefore, the card issuer 1 sets the available amount in the billing currency (in most cases, Japanese yen), and the card member 3 had a foreign currency asset (for example, US dollars) in the account of the financial institution 2 However, the financial institution 2 is also notified in the billing currency (Japanese yen), and the financial institution 2 withdraws the billing amount from the account holding the asset in the billing currency (Japanese yen).

  On the other hand, in the card usage information processing of the present invention, first, the usage currency is determined using sales data (US dollar or Japanese yen, etc.), and the available amount management and billing amount management are performed based on the usage currency.

  Here, the currency used means the currency in which the card member 3 approves the use of the card on the assumption that the card member 3 uses the card used in the member store 4 at home and abroad, and the amount indicated by the currency used is The amount of money used.

  Therefore, in order to manage the available amount, in addition to the available amount in the billing currency (for example, US dollar), it is necessary to set and store the available amount in the available currency (for example, Japanese yen and US dollar). There is. In addition, for billing amount management, it is necessary to store the billing amounts of the billing currency and the available currency.

Here, the available currency is a currency that can be withdrawn from an account. This does not necessarily need to be one currency, and may be a plurality of currencies. The type of currency may be a currency distributed in the home country of the card member or a foreign currency held by the card member 3. Also, the form of holding the asset is not necessarily a deposit, and it may be a highly cashable financial product such as MRF (Money Reserve Fund) or MMF (Money Management Fund).
Further, in the present invention, “card” is a general term for media presented at the time of use based on a contract in a scheme that functions as a payment means that substitutes for cash payment, and “card use” refers to provision of goods and services. This means that the payment payer (debtor) completes the payment based on the scheme by presenting the card to the goods or service provider (creditor).
Any scheme can be used as long as a third party intervenes between a merchant (creditor) and a cardholder (debtor) to establish a settlement (eliminate receivables and debts). There are various schemes such as debit cards and electronic money. “Card usage information” is a general term for information that specifies items required for settlement, such as creditors / debtors, amounts, and causes of occurrence, and the format and information processing procedure for messages used to transmit card usage information. Depends on the respective scheme.
In addition, the media presented when using the card include a magnetic card, a plastic card for storing information on an IC chip, a physical medium in which an information storage medium is mounted on a device such as a mobile phone, a card number, a password, etc. Intangible media that presents the authentication number verbally or electronically are also included.

[1.3. flowchart]
FIG. 4 is a flowchart showing processing for determining the currency used in the present invention.

  First, the computer system extracts sales data including sales currency data and sales amount data from the telegram (S110), information for specifying the billing currency stored in advance and the usable currency of the cardholder 3 and the respective usages. It is determined whether the sales currency is the billing currency or the usable currency with reference to the information for specifying the possible amount (S121).

  If it is determined that the sales currency is the billing currency or the available currency (S121; Yes), the sales currency is determined as the usage currency (S122). Conversely, when it is determined that the sales currency is not the billing currency or the usable currency (S121; No), any one of the billing currency and the usable currency is determined as the using currency (S123). In this step S123, regarding the logic for determining which currency is the use currency, selection information determined in advance for the billing currency and the available currency may be stored, and the priority order to be determined is set. In addition, it may be determined in relation to the available amount stored for each currency. The currency information thus determined is temporarily stored so that it can be referred to in the processing in the availability determination unit 112 or the like.

  FIG. 5 is a flowchart showing a process for determining availability.

  In this use permission determination process, the computer system first determines whether or not the determined use currency matches the sales currency with reference to the stored use currency information (S201). (S201; Yes), the sales amount is used as the usage amount (S202), and it is determined whether it is within the range of the available amount (S203).

  On the other hand, when it is determined that the usage currency does not match the sales currency (S201; No), the amount converted from the sales amount in the determined usage currency is determined as the usage amount (S204), and within the range of the available amount. It is determined whether or not there is (S203). If the usage amount is within the usable amount range (S203; Yes), the card usage is approved, and if the usage amount is not within the usable amount range (S203; No), the card usage is not approved. .

  FIG. 6 is a flowchart showing the billing amount management process.

  In the billing amount management process, the computer system first determines whether or not the usage currency matches the sales currency (S301), and if the usage currency matches the sales currency, specifies the billing amount using the sales data. Therefore, the sales amount is determined as the charged amount (S302), and the charged amount to the card member 3 is stored in the storage unit corresponding to the currency used (S303).

  However, if the usage currency does not match the sales currency (S301; No), it is determined whether the usage currency matches the billing currency (S304). Here, if the usage currency and the billing currency match, the billing amount can be specified using the billing data (S304; Yes), so the billing amount data is extracted from the message (S305), and the usage currency ( The amount charged to the card member 3 is stored in the storage unit corresponding to the billing currency in this case (S303).

  If the usage currency does not match the sales currency or the billing currency (S304; No), the billing amount cannot be specified using the sales data or billing data in the message. Is charged as the charged amount (S306), and the charged amount to the card member 3 is stored in the storage unit corresponding to the currency used (S303).

  In this way, the use of sales data, which has been used only for the purpose described in the usage statement, is used to determine whether it can be used and to manage the billing amount. It is possible to use a credit card in the currency of assets held by card members without changing the configuration of installed terminals or developing a dedicated terminal separately.

[2. Embodiment]
Next, an embodiment of the present invention will be described. In the embodiment described here, the card member 3 is used as an offline debit by using a credit card network as described above. Off-line debit is different from “online debit” in which the debit is performed in real time in conjunction with the account, but the authorization is performed in real time, but the debit from the account is performed at a later date.
More specifically, the card issuer 1 manages the available amount using the available amount calculated based on the account balance of the card member 3 managed by the financial institution 2, and the member request and the account The withdrawal is performed at a later date.

[2.1. System configuration]
FIG. 7 shows a physical outline configuration of the embodiment.

  The card issuing company system 100 includes an arithmetic device 101, a memory 102, a communication interface 103, and a hard disk 104. The hard disk 104 stores various data in addition to computer programs.

  The various data managed by the card issuing company 1 includes card information data for identifying information related to the card member 3 by card number and the like, usable amount data of the card member 3, and usable amount by using the card. There are reservation amount data indicating the amount of money reserved, billing amount data storing the amount charged by using the card, and the like.

  The financial institution system 200 includes an arithmetic device 201, a memory 202, a communication interface 203, and a hard disk 204. The hard disk 204 stores various data in addition to computer programs.

  For various data managed by the financial institution 2, use card information data for identifying information related to the card member 3 by card number or the like, data indicating the account balance of the card member 3, usable amount data, and a card. Determined based on reservation amount data indicating the amount reserved from the available amount, conversion rate data storing the exchange rate between currencies used when converting the amount in other currencies, and sales data extracted from the telegram There are usage currency data storing the usage currency, billing amount data storing the amount charged by using the card, and the like.

  The available amount data includes the available amount in the billing currency and the available amount in the available currency.

  FIG. 8 is a logical system configuration diagram of the embodiment. In the various functional units shown in this figure, the computer program stored in the hard disk 104 (204) shown in FIG. 7 is appropriately read out to the arithmetic unit 101 (201), and the arithmetic result is temporarily stored in the memory 102 (202). It is realized by executing a preprogrammed process by referring to various data stored or stored in the hard disk 104 (204).

  The card issuing company system 100 includes an available amount management unit 110, a charged amount storage unit 120, and a charged amount management unit 130.

  The available amount management unit 110 receives the available amount notified from the financial institution system 200 in addition to the available amount storage unit 111 and the availability determination unit 112 that realize the same functions as those described in FIG. Then, an available amount update unit 113 that updates the amount stored in the available amount storage unit 111 is provided.

  The financial institution system 200 includes an available amount management unit 230 and a use currency determination unit 240 in addition to the account balance management unit 210 and the settlement management unit 220 that realize the same functions as those described with reference to FIG. In this embodiment, since the available amount managed by the card issuing company 1 is calculated based on the account balance managed by the financial institution 2, the financial institution 2 can increase or decrease the account balance due to ordinary account transactions such as deposits and withdrawals. In addition to this, the system configuration is also used to increase or decrease the account balance by using the card and manage the available amount by reserving funds until the withdrawal. Note that the available amount management in this case is different from so-called authorization, and does not transmit the availability determination result to the member store 4, but functions to manage the reserved funds.

  Here, the term “reservation of funds” refers to the use of the card member 3's funds held in the account for the period from the time when sales are generated through the use of the card to the time when the charged amount is deducted from the account of the card member 3 and settled. This refers to restricting withdrawals as a settlement fund. With such funds reservation, the cardholder 3 will be able to withdraw the account balance from the time of using the credit card, so even if the actual withdrawal is at a later date, the debit card will be substantially removed. It will be in the state used.

  By the way, in the present embodiment, the available amount is calculated according to the account balance managed by the financial institution 2, and if the funds are reserved, the invoice amount is also stored in the financial institution 2. Need to be managed. Therefore, in this embodiment, the settlement management unit 220 includes a withdrawal management unit 221, a billing amount management unit 222, and a billing amount storage unit 223, and manages the billing amount based on a message transmitted from the card issuing company system 100. The configuration.

  In order to reserve funds for the card usage amount, the financial institution 2 also needs to manage the available amount based on the account balance. Therefore, in this embodiment, the available amount management unit 230 is also provided in the financial institution system 200 so that a message can be received from the card issuing company system 100.

  The available amount management unit 230 can be used based on the available amount storage unit 231 that stores the available amount calculated based on the account balance, the stored available amount data, and the sales data extracted from the message. , An availability determination unit 232 that determines whether or not funds are reserved due to sales, and an available amount calculation unit 233 that calculates an available amount based on the account balance stored in the account balance management unit 210. Yes.

  Further, the usage currency determination unit 240 includes a sales data extraction unit 241 that extracts sales data from a message, a usage currency determination unit 242 that determines a usage currency, and a usage currency storage unit 243 that stores the determined usage currency. I have.

  Here, FIG. 9 is a diagram for explaining the relationship between the account balance of the financial institution 2 and the available amount. In this example, the billing currency is US dollars (USD) and the available currency is yen (JPY). In order to facilitate the explanation, the conversion rate between US dollars (USD) and yen (JPY) is 1USD = 100JPY.

  Here, it is assumed that the balance of the dollar account that is the billing currency is 10,000 USD, and the balance of the yen account that is the billable currency is 1,000,000 JPY. And based on the card usage so far, the usage amount of 2,500 USD + 2,500 USD = 5,000 USD is reserved from the dollar account balance, and the usage amount of 500,000 yen is reserved from the yen account. The assumed case is assumed. In this case, 5,000 USD is the usable range for the balance management of the dollar account, and 500,000 JPY is the usable range for the balance management of the yen account.

  Here, a case will be described as an example in which the availability determination is performed based on a telegram in which the billing data indicates 8,000 USD and the sales data indicates 8,000 USD.

  Since the sales currency matches the billing currency, the usage currency determining unit 240 determines the dollar, which is the sales currency, as the usage currency, and the usage determination unit 232 determines whether the usage is possible with 8,000 USD as the usage amount. Here, since the usable range of the dollar account corresponding to the billing currency determined as the usage currency is 5,000 USD, 8,000 USD exceeds the usable range. However, the availability determination unit 232 adds 5,000 USD obtained by converting 500,000 yen, which is the usable range of the yen account, to the dollar, which is the billing currency, and 5,000 USD, which is the usable range of the dollar account. , 000 USD is determined as an available amount. In this way, even if the balance is insufficient in one of the currencies, it can be determined that it can be used if it does not exceed the range of the available amount if it is combined with the amount converted in the other currency.

  In this case, the billing amount management unit 222 stores 8,000 USD in the billing amount storage unit 223 as a billing amount to be deducted from the dollar account because both the usage currency and the sales currency match in dollars. At this time, the sum of the billing amount in dollars as the billing currency is 13,000 USD. However, since the balance of the dollar account is 10,000 USD, there is a shortage of 3,000 USD. Accordingly, the billing amount management unit 222 manages the billing amount on the assumption that 300,000 JPY converted from 3,000 USD in available currency is withdrawn from the yen account. As a result, 10,000 USD is withdrawn from the dollar account, and 800,000 JPY is withdrawn from the yen account. As a result, even if the balance is insufficient in either one of the currencies, it is possible to make a settlement by performing a foreign exchange transaction that covers the currency that is insufficient in the other currency.

  In the example shown here, the amount obtained by subtracting the reserved funds from the account balance is described as an available amount. However, for example, a multiplier such as 80% is set and used only for a certain percentage of the account balance. You may make it calculate as possible amount.

[2.2. Overall flow]
FIG. 10 shows the overall flow of the embodiment. In this figure, for convenience of explanation, the account balance of account balance is calculated by a transaction that is not necessarily continuous and recalculates the available amount based on the account balance, processing when using the card, and transactions other than using the card. An account deposit / withdrawal process in which an increase / decrease occurs and a settlement process for debiting a membership request by using a card from the account are shown as a series of operations.

  In the available amount cleaning process, the financial institution 2 calculates the available amount based on the account balance of the card member 3 (S1), and notifies the card issuing company 1 (S2). The card issuing company 1 updates the available amount of the managed card member 3 based on the notified available amount (S3).

  Next, in the card use process, when the card issuing company 1 receives an authorization message from the card network 6 (S4), the card issuing company 1 transmits the message to the financial institution 2 (S5). The card issuing company 1 extracts the billing data from the message as usual and determines whether or not it can be used (S7), and transmits a message indicating the determination result to the card network (S7). On the other hand, the financial institution 2 extracts the sales data from the message and performs balance management (S8). Here, the balance management performed by the financial institution 2 is an account balance with funds reserved for each of the billing currency and the available currency.

  When the card issuing company 1 receives a sales message from the card network 6 (S9), the card issuing company 1 transmits the message to the financial institution 2 (S10). The card issuing company 1 extracts billing data from the message and performs billing amount management (S11), and the financial institution 2 extracts sales data from the message and performs balance management (S12). Here, the balance management performed by the financial institution 2 includes storing and managing the billing amount withdrawn from each of the billing currency and the available currency in the subsequent settlement processing as well as the above-described funds retention. .

  Further, in the account deposit / withdrawal process, when an account transaction such as deposit / withdrawal is performed from the card member 3 to the account managed by the financial institution 2 (S13), the account balance is changed, so the process shifts to the available amount cleaning process. Then, the financial institution 2 calculates the available amount again (S1).

  In the settlement process, the card issuing company 1 performs a card use closing process once a month, for example, on a predetermined closing day (S14), and notifies the financial institution 2 of the amount charged to the card member 3 (S15). The financial institution 2 deducts the billing amount from each of the billing currency and the available currency based on the billing amount stored in S12 (S16). As a result, the account balance decreases, so that the transition is made to the available amount cleaning process, and the financial institution 2 calculates the available amount again (S1).

[3. Modified example]
The present invention is not limited to the embodiments described above, and can be implemented in various modes.

  For example, instead of the above-described offline debit form, the card issuing company 1 can be implemented in the form of a credit card as long as it is a form in which the available amount management is performed as a plurality of credit line managements in the billing currency and the usable currency, As long as the financial institution 2 withdraws in real time from the account corresponding to the billing currency and the available currency as the available amount management, it can be implemented in the form of online debit.

It is a figure explaining the structure of a credit card. It is a figure explaining the outline | summary of the card utilization information processing in a card issuing company and a financial institution. It is a figure explaining the relationship between a message | telegram format and card utilization information processing. It is a flowchart which shows the process of use currency determination. It is a flowchart which shows the process of available amount management. It is a flowchart which shows the process of charge amount management. It is a figure which shows the physical outline structure in embodiment. It is a figure which shows the logical outline structure in embodiment. It is a figure explaining the relationship between the account balance and available amount of a financial institution. It is a figure explaining operation | movement of embodiment.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 ... Card issuing company 2 ... Financial institution 3 ... Card member 4 ... Member store 5 ... Member store management company 6 ... Card network 100 ... Card issuing company system 101 ... Computing apparatus 102 ... Memory 103 ... Communication interface 104 ... Hard disk 110 ... Use Possible amount management unit 111 ... Usable amount storage unit 112 ... Usability determination unit 113 ... Usable amount update unit 120 ... Billed amount storage unit 130 ... Billed amount management unit 200 ... Financial institution system 201 ... Computing device 202 ... Memory 203 ... Communication interface 204 ... Hard disk 210 ... Account balance management unit 220 ... Payment management unit 221 ... Debit management unit 222 ... Billed amount management unit 223 ... Billed amount storage unit 230 ... Available amount management unit 231 ... Available amount storage unit 232 ... Use Availability determination unit 233. Usable amount calculation unit 24 0 ... Used currency determination unit 241 ... Sales data extraction unit 242 ... Used currency determination unit 243 ... Used currency storage unit

Claims (10)

A card processing device that is provided in a card issuing company and that performs payment processing of a card to which a specific single billing currency is assigned,
The processing device is communicably connected to the card network,
A plurality of available currencies including the billing currency assigned to the cardholder's card, and an available amount storage unit for storing at least the available amount in the billing currency;
An availability determination unit for determining whether or not a card can be used;
A billing amount management unit for processing the billing amount and a billing amount storage unit for storing a billing amount to the cardholder,
The availability determination unit receives a sales message including a billing amount in a billing currency from a card network, and is stored in the billing amount in the billing currency and the usable amount storage unit based on a card number in the sales message. It compares the amount available, determines whether the card can be used based on it, and notifies the card network of the result,
The sales telegram received from the card network includes information on the sales amount in the local sales currency, and
The billing amount in the billing currency in the sales message is the sales amount when the local sales currency is the billing currency, but the sales amount is the billing currency when the local sales currency is other than the billing currency. The converted amount,
The billing amount management unit receives the upper telegram engagement Ru sale in card use which has been authorized to use the card networks, local sales currency if local sales currencies in sales message corresponds to one of the available currencies In order to charge the cardholder to the billed amount storage unit, and if not applicable, the sales amount in the local sales currency is changed to the highest available currency among the plurality of available currencies. The card processing device, wherein the converted amount is stored in the charged amount storage unit in order to charge the card member. The card processing device according to claim 1,
The usable amount storage unit stores data indicating a credit frame of a credit card as an available amount. The card processing device according to claim 1,
The usable amount storage unit stores data indicating an account balance of a debit card as an available amount. The card processing device according to claim 2 or 3,
The usable amount storage unit stores data indicating a credit frame calculated based on data indicating an account balance as an available amount. The card processing device according to claim 1,
If the account balance of either the billing currency or the available currency is less than the billing amount stored in the billing amount storage unit, the shortage amount converted from the account of the other currency to the lacking currency A card processing apparatus, further comprising withdrawal management means for performing a withdrawal process. A card information processing method executed by a computer system to perform payment processing of a card provided in a card issuing company and assigned a specific single billing currency,
The computer system is communicably connected to a card network,
A plurality of available currencies including the billing currency assigned to the cardholder's card, and an available amount storage unit for storing at least the available amount in the billing currency;
An availability determination unit for determining whether or not a card can be used;
A billing amount management unit for processing the billing amount and a billing amount storage unit for storing a billing amount to the cardholder,
Executed by the availability determination unit, receives a sales telegram including a billing amount in a billing currency from the card network, and stores the billing amount in the billing currency and the usable amount storage unit based on the card number in the sales telegram Comparing the amount of the credit card that has been used, determining whether the card can be used based on the amount, and notifying the card network of the result,
The sales telegram received from the card network includes information on the sales amount in the local sales currency, and
The billing amount in the billing currency in the sales message is the sales amount when the local sales currency is the billing currency, but the sales amount is the billing currency when the local sales currency is other than the billing currency. The converted amount,
further,
Is performed by the billing amount management unit receives the upper telegram engagement Ru sale in card use which has been authorized to use the card networks, local if local sales currencies in sales message corresponds to one of the available currencies Stores the sales amount in the sales currency in the bill amount storage unit so as to charge the cardholder, and if not applicable, the sales amount in the local sales currency can be used with a higher priority among the plurality of available currencies. A card information processing method comprising a step of storing an amount converted into a currency in the bill amount storage unit in order to charge a card member. The card information processing method according to claim 6,
The card information processing method, wherein the available amount storage unit stores data indicating a credit card credit limit as an available amount. The card information processing method according to claim 6,
The card information processing method, wherein the available amount storage unit stores data indicating an account balance of a debit card as an available amount. The card information processing method according to claim 7 or 8,
The card information processing method, wherein the available amount storage unit stores data indicating a credit frame calculated based on data indicating an account balance as an available amount. The card information processing method according to claim 6,
If the account balance of either the billing currency or the available currency is less than the billing amount stored in the billing amount storage unit, the shortage amount converted from the account of the other currency to the lacking currency A card information processing method further comprising a withdrawal management step for performing a withdrawal process.

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