JP5762056B2 - Card usage management system - Google Patents

Description

  The present invention relates to a card usage management system that manages the usage status of cards such as credit cards, debit cards, and cash cards.

  Nowadays, various products and services have been widely purchased by electronic cards such as credit cards and debit cards, and the usage scenes of cards have become increasingly diverse, such as stores, transportation facilities, and Internet sites. Yes. However, along with this, the damage caused by unauthorized use of cards has increased. Therefore, various methods for preventing unauthorized use of cards have been proposed.

  For example, in Patent Document 1, a portable terminal equipped with an IC card acquires position information using GPS or the like, writes the acquired position information into the IC card, and the IC card stores the position information in the IC card. IC card use area limited system that enables IC card information to be read when it is determined that the position specified by the position information is within the use area. Is described.

  Further, in Patent Document 2, it is possible to deal with not only an IC card but also a magnetic recording type card by storing a card use condition describing a condition indicating a card use permission on the use control apparatus side instead of the card side. A card use control system for determining whether or not a card can be used is described.

JP 2005-56293 A JP 2007-188234 A

  In the systems described in Patent Document 1 and Patent Document 2, the use of a specific card is restricted according to use conditions (usage area, useable date and time, place, etc.) registered in advance, and the reason for fraud is prevented. However, it does not manage the overall usage status or usage scene of a plurality of cards owned by the user.

  Recently, it is not uncommon for a person to have several or a dozen or so cards, and the usage of each card changes daily from the usage conditions assumed at the start of use. . Therefore, it is troublesome to manage the usage conditions of a plurality of cards individually and change the usage conditions each time the environment changes. In addition, since the card enrollment campaign, etc., now has a large number of cards, there are cards that are frequently used, but often have cards that are rarely used. Therefore, it is convenient if there is a mechanism that can comprehensively manage the usage status of a plurality of cards owned by itself, regardless of the card company, as well as prevention of unauthorized use.

  In the present invention, in view of the problems as described above, instead of managing the use of cards individually, it is possible to manage the usage status of a plurality of cards, update usage conditions, etc. as needed, and prevent unauthorized use. The aim is to provide a system that is also useful.

In order to solve the above problems, the card usage management system of the present invention has the following features.
A card usage management system for managing the usage status of a plurality of electronic cards owned by the user, the user terminal of the user, a store terminal of a store capable of using the electronic card, A website that can use the electronic card and a plurality of card company systems are connected to a network via a card usage scene management server, and the card usage scene management server is configured when a new electronic card is issued. , A store for which the user plans to use the electronic card, a screen for inputting a usage scene that is information including an identifier of a website is transmitted to the user terminal to register the usage scene, a usage scene registration unit to the first time the electronic card when the registration has been completed available (the Activate), electronic wherein is available registered When the card is used in a store or website, the transaction information of the electronic card and the identifier of the store or website are received from the store terminal or website, and the identifier is registered. And a usage scene determination unit that determines whether to transmit the transaction information to the card company system based on whether or not the transaction information is included in a usage scene.

  According to the above invention, the use of an electronic card (hereinafter simply referred to as a card) on which digital information is recorded is configured to be performed via a card use scene management server that is independent of the card company system. The user can manage the use of all cards owned by the user regardless of the card company or the type of card. In addition, the user, for each card, stores such as stores (including ATMs such as bank counters, ATMs, convenience stores, etc.) and online shopping sites, etc. Information such as a store (hereinafter referred to as “use scene”) including an identifier of the store is registered in the card use scene management server. When the card is newly issued, the card is not usable, and can be used for the first time by registering the usage scene in the server (hereinafter, this operation is referred to as “Activate”). .

  By doing so, it is possible to prevent a card from being newly issued and misuse before the user receives the card, or illegal use of the card due to the malicious intention of the delivery person. In addition, even after activation, when actually using the card, it is checked whether or not the identifier of the store or the like is registered in the usage scene, and if it is not registered, A notification to that effect can be received at the user terminal. By doing so, it is possible for the user to determine whether or not to prohibit the use based on the use notification in a new store or the like where there is a possibility of unauthorized use of the card. In addition, for a store or the like, if a user registers his / her store (Activate), he / she will be a patron (customer), so a discount service registered for a certain period will be given. , The possibility of providing meticulous service to customers is expanded. Also, for card companies, the more users register for more stores, the more opportunities they have to use the card, so users who register many stores will receive points, etc. An opportunity to provide services can be given.

  In addition, the card use management system can further include the following features.

The usage scene registration unit groups the stores or WEB sites and registers them in a usage scene registration table that stores each combination with the electronic card, and the usage scene determination unit registers the identifier for each combination. If it is not included in the usage scene, a notification requesting whether or not to newly add an identifier of the store or the website to the usage scene is transmitted to the user terminal.

  According to the above invention, even if the store is not registered in the usage scene, the user can determine whether to add the store or the like to his / her usage scene. By doing in this way, it can be updated to the use scene accompanying the change of a user's life pattern at any time.

  In addition, the card use management system can further include the following features.

  The usage scene includes information on a time zone in which the user plans to use the electronic card at the store or the website, and notifies the user terminal when the card is used outside the time zone. It is characterized by that.

  According to the above-described invention, in the usage scene, not only information on the store etc. but also a time zone in which the user uses the store etc. (distinguishes day of week, weekday / holiday) can be assumed in advance. A “band” can be included in the usage scene. For example, in the case of a user who often uses an izakaya near the place of work on the way home from work, this time zone can be specified as “after 20:00 on weekdays”. In this way, even if it is a store registered in the usage scene, if it is used outside the assumed time zone, there is a possibility of unauthorized use, so that is notified to the user be able to.

  The card usage scene management server further includes a usage status monitoring unit that monitors the usage status of the electronic card, and the usage status monitoring unit records transaction information of the usage when the electronic card is used, A record of the transaction information is transmitted to the user terminal based on a request from the user terminal.

  According to the above invention, when the card usage scene management server uses the card, the transaction information (name of store used, date and time of use, amount used, number of points used, etc.) is recorded. Therefore, the user can always check the usage results of the cards owned by the user at any time regardless of the real store or the online site.

  In addition, the card use management system can further include the following features.

  If the electronic card is not used at a store or website registered in the usage scene for a predetermined period, the usage status monitoring unit deletes the information on the store or the website from the usage scene. A notification requesting determination of whether or not is transmitted to the user terminal.

  According to the above invention, when the usage status monitoring unit of the server does not use the card in a store or the like registered in the usage scene for a predetermined period (for example, about 1 to 3 years), the store or the like Is notified from the usage scene, the user can always manage the usage scene so that old information that is no longer needed is not accumulated in the usage scene.

  In addition, the card use management system can further include the following features.

  If the electronic card registered in the usage scene has not been used for a predetermined period, the usage status monitoring unit sends a notification requesting a determination as to whether or not to delete the electronic card information from the usage scene. And transmitting to the user terminal.

  According to the above invention, when the usage status monitoring unit of the server has not been used for a predetermined period (for example, about 1 to 3 years) for each card registered in the usage scene, the card Is notified from the usage scene, the user can always manage the usage scene so that old information that is no longer needed is not accumulated in the usage scene. In addition, by receiving this notification, the user can perform the card cancellation procedure in a timely manner in order to prevent the payment of an unnecessary annual membership fee or the like of the card.

  The above card use management system can also be regarded as an invention of the card use scene management server itself, which is the core of the system, and can provide the same effects as the above card use management system.

A card usage scene management server for managing the usage status of a plurality of electronic cards owned by the user, the user terminal of the user, and a store terminal of a store capable of using the electronic card; When a new electronic card is issued, a user is expected to use the electronic card when the electronic card is newly issued to the Web site where the electronic card can be used and the card company system. A screen for inputting a usage scene, which is information including an identifier of a certain store or website, is transmitted to the user terminal to register the usage scene, and the electronic card can be used only when the registration is completed (Activate ) to a usage scene registration unit, the available registered electronic card, when used in a store or Web site, the shop terminal or From the Web site, it receives the transaction information and the shop or the identifier of the Web site of the electronic card, based on whether the identifier is included in the registered usage scenes, the transaction information A usage scene determination unit that determines whether or not to transmit to the card company system.

  The card usage management system can also be regarded as an invention of a card usage management method, and can provide the same effects as the card usage management system.

A card usage management method for managing the usage status of a plurality of electronic cards owned by the user, the user terminal of the user, and a store terminal of a store capable of using the electronic card, When a new electronic card is issued in a card usage scene management server configured to be connectable to the website where the electronic card can be used and the card company system, the user can retrieve the electronic card. When a screen for inputting a usage scene, which is information including a store and website identifier to be used, is input to the user terminal, the input usage scene is registered, and the registration is completed. the method comprising the first time the electronic card can be used (the Activate), the usable registered electronic card, at the store or Web site When used, a step of receiving card transaction information and an identifier of the store or the website from the store terminal or the website, and whether or not the identifier is included in the registered use scene And determining whether or not to transmit the transaction information to the card company system.

  According to the present invention, it is possible to provide a system that not only manages the use of cards individually but also manages the use status of a plurality of cards as a whole and also helps prevent unauthorized use. Also, for stores, etc., having users register their own stores will be patronized (customers), so if you are a registered customer for a certain period of time, it will be detailed. The possibility of providing services is expanded. Also, for card companies, the more users register for more stores, the more opportunities they have to use their cards, so providing services that are advantageous to users who have registered many stores Can give an opportunity.

It is a figure showing the whole picture of the card use scene management system concerning a first embodiment of the present invention. It is a figure which shows the functional block of the card utilization scene management server 10 which concerns on 1st embodiment of this invention. It is a figure which shows the utilization scene registration table 100 which concerns on 1st embodiment of this invention. It is a figure which shows the utilization performance table 200 which concerns on 1st embodiment of this invention, and the utilization scene registration table 100 updated based on the utilization performance. It is a figure which shows the processing flow at the time of card utilization of the card utilization scene management server 10 concerning 1st embodiment of this invention. It is a figure which shows the card registration screen 300 which concerns on 1st embodiment of this invention. It is a figure which shows the store registration screen 400 which concerns on 1st embodiment of this invention. It is a figure which shows the whole image of the card utilization scene management system which concerns on 2nd embodiment of this invention.

  DESCRIPTION OF EMBODIMENTS Hereinafter, embodiments for carrying out the present invention (hereinafter referred to as embodiments) will be described in detail with reference to the accompanying drawings. In addition, the same number (code | symbol) is attached | subjected to the same element through the whole description of embodiment.

  FIG. 1 is a diagram showing an overview of a card use scene management system according to the first embodiment of the present invention. There are various types of cards that can be handled by the present invention. In the following, a financial card mainly including a credit card will be described as a specific example.

  This card use scene management system includes a card use scene management server 10, a plurality of card company systems 50, a user terminal 20, a plurality of store terminals 30, a plurality of Internet shopping sites 40, and financial institutions. A system (not shown) is a system directly or indirectly connected by a network.

The card company system 50 includes a store terminal 30 installed in a store where cards can be used and a CAFIS (Credit
They are connected by a card system network 60 which is a dedicated network for card settlement such as And Finance Information Switching system). The user terminal 20 can be a PC (Personal Computer) 20a or a mobile phone / PHS (Personal Computer).
Handy-phone System), PDA (Personal Data Assistance) (shown collectively as 20b), and an information terminal such as a smartphone 20c that integrates a mobile phone and a PDA. Connection to various Internet shopping sites 40 is possible.

  The card use scene management server 10 is the core of this system, and is configured to be connectable to both the card system network 60 and the Internet 70. The card user, the card company system 50, the store terminal 30, the Internet shopping site It plays the role of mediating settlement with 40. That is, all card payment requests are transmitted to the card company system 50 via the card use scene management server 10. The card use scene management server 10 itself does not make a payment, but since payment requests other than pre-registered conditions are not sent to the card company system, the card usage scene management server 10 has a function that can control the payment as a result. Alternatively, the same effect can be obtained even if the card company system 50 once receives a payment request from the store terminal 30 or the like and always inquires the card usage scene management server 10 whether the usage conditions are met before executing the payment. be able to. The card use scene management server 10 may be a system of an industry group such as a card company or a system of a third party service company independent of the card company.

  The card usage scene management server 10 is a database (referred to as a card usage scene DB 11) in which information on card usage conditions and usage status is collected for each user card for all cards that can be used with this service. These are connected to a database (store / site DB 12) that stores information on stores or websites where cards can be used, and these are centrally managed.

  The card use scene management server 10 requests the user to register for this service when the card issued at the time of new or renewal from the card company is surely delivered to the user. In other words, when the card is issued, the card is not usable, and the card cannot be used unless the user connects to the card use scene management server 10 and “Activates” the card. . The connection method to the card use scene management server 10 is preferably notified separately from the card issuance.

  “Activate” is a card registration screen provided by the card usage scene management server 10, in which a user registers a user by setting a user ID and a password associated with the card number. This means that the card can be used only when the “use scene” is input and the server stores the input data in the card use scene DB 11. In other words, a card whose data is not stored in the card usage scene DB 11 is rejected in the card usage scene management server 10 (actually, a settlement request is not transmitted to the card company system 50). At the time of activation, it is desirable to ask for input of a secret answer (such as a mother's maiden name, a friend's nickname, or a pet's nickname) that is known only to the person, in addition to inputting an address name, date of birth, and a personal identification number when applying for a card. By doing so, it is possible to eliminate the risk of misuse of the card before it reaches the person's hand due to misdelivery or malicious delivery. In this case, conventionally, since the user has not received the card, it has been difficult to prevent abuse. Even after the card arrives at hand, if the card is lost or stolen before it is activated, there is no risk of misuse. Furthermore, if a “use scene” is set so that it can be used only in a specific store or the like even if it is lost or stolen after activation, damage can be minimized.

  Entering “usage scene” means inputting a store or website to be used, and information on the use time zone, assuming a scene where the card is used in advance. For example, when it is assumed that the store or site is often used to obtain a privilege such as points at a specific store or a specific online shopping site, the store information or site information (specifically, Enter the use scene as a store or the like that can use a unique identifier stored in the store / site DB 12. Further, if possible, a “time zone” (information including a distinction between a day of the week, a weekday, and a holiday in a normal time zone) is also input. In addition, in order to be able to carry out cashing of personal loans only with a specific ATM (Automated Teller Machine), information on the ATM installation location (installed store ID or ATM ID) is input. In order to input such a usage scene as easily as possible, a card activate support tool is provided as will be described later.

  In addition, using a credit card on the Internet makes it easy for anyone to know the card number, name of the holder, expiration date, and security code stamped on the card without being asked for a PIN or signature. Can often be done. Therefore, at the time of activation, it is possible to set so as to reject payment from a site other than the site where the site information is input. In this way, it is possible to prevent family members from taking out credit cards without permission, accessing unregistered sites, and making payments.

  FIG. 2 is a diagram showing functional blocks of the card use scene management server 10 according to the first embodiment of the present invention. As shown in the figure, the card usage scene management server 10 is functionally divided into a usage scene registration unit 13, a usage status monitoring unit 14, a usage scene determination unit 15, an Internet communication unit 16, and a card system / network communication unit 17. It is done.

  The usage scene registration unit 13 provides various input means for registering a usage scene of a card after the user registers as a user when the card arrives at the user's hand. Specifically, a card registration screen is transmitted to the user terminal 20, and the user is made to input data necessary for activation. Although the card registration screen will be described later, based on the information accumulated in the store / site DB 12, information on stores or sites where the card can be used is searched by a keyword, and the card is used from the search result. It is desirable to let the user select the likely store / site. The system searches for stores and the like that can be used for all cards, and the information is constantly updated, and the store / site DB 12 stores information on the latest stores and the like. When the input of card registration from the user is completed, the usage scene registration unit 13 stores the data in the card usage scene DB 11. The card usage scene registration can be changed by the user at any time, not only when the card is activated.

  When there is a request from the user terminal 20, the usage status monitoring unit 14 reads the usage scene information of all cards possessed by the user from the card usage scene DB 11, edits it into a table format, and uses it. To the user terminal 20. The user who has received it accesses the card use scene management server 10 if necessary, and inputs update data if it is determined that update is necessary. The usage scene registration unit 13 updates the card usage scene DB 11 based on the input data.

  When the card is used for payment or the like, the usage scene determination unit 15 reads the usage scene of the card from the card usage scene DB 11 and compares the usage scene with the ID and transaction information of the current store, etc. If it matches the usage scene, a settlement request for the transaction is transmitted to the card company system 50. If it does not match the usage scene, a preset process is performed.

What is preset processing?
1) The settlement request is rejected (the settlement request is not transmitted to the card company system 50), and the user is notified by e-mail or the like.
2) The settlement request is transmitted as it is to the card company system 50 and notified to the user by e-mail or the like.
3) In the case of settlement from the store, the settlement request is suspended, a message is displayed on the store terminal, and the user is asked to select whether or not to register the current store in the usage scene.
4) In the case of payment from the Web site, the payment request is suspended, a message is displayed on the payment screen of the site, and the user is asked to select whether or not to register the current site in the usage scene.
The user can select any one of the processes in advance.

  The Internet communication unit 16 performs communication control for transmitting / receiving data to / from the user terminal 20 and the Internet shopping site 40 via the Internet. The card system / network communication unit 17 performs communication control for transmitting / receiving data to / from the store terminal 30 and the card company system 50 via a card system / network that is a dedicated network.

The functional blocks shown in FIG. 1 or FIG. 2 are merely examples, and one functional unit may be divided or a plurality of functional units may be configured as one functional unit. Each functional unit has a CPU (Central Processing Unit) built in the server device and a ROM (Read Only
A computer program stored in a storage device such as a memory or a hard disk is read, and the computer program executed by the CPU is stored in a database (DB; Data Base) stored in the storage device or a storage area on the memory, etc. This is realized by reading / writing necessary data and controlling related hardware (for example, input / output device, display device, communication interface device) in some cases. In addition, the database (DB) in the embodiment of the present invention may be a commercial database, but it simply means a collection of tables and files, and the internal structure of the database itself does not matter.

  FIG. 3 is a diagram showing the usage scene registration table 100 according to the first embodiment of the present invention. The usage scene registration table 100 is a table in which usage scenes (store / site information, time zone information, etc.) of cards set by the user are stored for each card. The usage scene registration table 100 is first created at the time of activation. However, the usage scene registration table 100 can be updated by manual input by the user at any time after creation, and can also be updated semi-automatically depending on the usage status of the card.

  As illustrated, the usage scene registration table 100 is a two-dimensional table of a plurality of card IDs (card-specific IDs such as card numbers) 101 and store IDs 102 (store-specific IDs and site-specific IDs). Is done. The store ID 102 is not limited to individual store IDs, but stores, etc. may be grouped by region, handled product / service, usage mode, etc., and the group ID may be handled like a single store ID. For example, you may define the whole izakaya near Shinjuku Station with one ID. Each row of the usage scene registration table 100 is called card information, and each column is called store information.

  In each column where the row and column of the usage scene registration table 100 intersect, ○ if there is a possibility of using the card, × if there is no possibility of using the card, and in the store etc. When a card cannot be used in the first place, / is indicated by a schematic symbol such as However, the use of the combination of x is not necessarily prohibited. You may want to add a combination marked with × to a new usage scene, so if you use a combination marked with ×, allow the card itself and set it to notify the user only. Also good.

  If not only the possibility of use but also the time zone to be used can be assumed, the “time zone information” is designated. The “time zone information” here is not only a time zone consisting of mere time but also information on a time zone including concepts such as days of the week, weekdays, weekends and holidays. For example, in the example of the figure, the time zone for using the “S bank cashing card” at the “Ogikubo branch ATM” is set as “Saturday and Sunday 8:00 to 21:00”.

  A notification condition 103 and a notification condition 104 are added to each card information (row) and store information (column), respectively. The notification condition is an item provided for performing a predetermined process if the card is not used during a designated period.

Here, the predetermined process is
1) If a specific card has never been used for the period of the notification condition, inactivate that card.
2) If a specific store or the like has never been used for the period of the notification condition, the store or the like information is deleted from the use scene registration table 100.
3) Notify the user by e-mail and ask whether to delete or inactivate.
Etc., and the user can select one of the processes in advance.

  An inactivated card cannot be used unless it is activated again. In this way, even if the usage scene has been registered once, it can be updated semi-automatically according to the card usage status, and the decision to consolidate cards that have not been used for a long time Can be requested from the user at any time. In addition, if the card non-use notification condition is set several months before the expiration date of the card, and the card is really unnecessary, the user cancels the card so that unnecessary expenses such as annual membership fees are spent. Can also be prevented.

  FIG. 4 is a diagram showing a usage record table 200 according to the first embodiment of the present invention and a usage scene registration table 100 updated based on the usage record. As already described, the usage scene registration table 100 can be constantly updated. For this purpose, the usage record table 200 shown in the upper part of FIG. 4 is stored in the card usage scene DB 11 and every time the card is used. The record is recorded. In the usage record table 200, when a card is used, that is, when the card usage scene management server 10 receives a card settlement request from the store terminal 30 or the Internet shopping site 40, the card is stored in the store or the like. In the past, the number of settlements in a predetermined period is recorded. In the example shown in the figure, only the number of normal transactions is shown, but the transaction date and time, purchased products and services, payment amount, etc. may be recorded together. Further, it may be possible to include a record of a transaction that was actually desired to be settled due to overuse limit.

  The lower part of FIG. 4 shows how the usage scene registration table 100 is updated based on the usage record table 200. That is, the shaded portion of the usage record table 200 can be used in the usage scene registration table 100, but there is actually a combination of a card and a store that has never been used. Is shown. In this example, a combination of “S bank debit card” and “B home appliance mass retailer Yurakucho store”, a combination of “S bank credit card” and “Shibuya station area clothing store”, and “P loan card” and “Ogikubo branch” "ATM" combination. In such a case, the corresponding portion of the card information (row) and the store information (column) indicated by shading in the usage scene registration table 100 is x. As a result of updating the usage scene registration table 100 as described above, when a specific store or the like becomes x for all cards, the store information (column) is deleted. In this example, column 105 and column 106 are to be deleted.

  If a specific card has never been used for a predetermined period, the card is inactivated. In this example, the row 107 is a target of Inactivate. The card information that becomes Inactive is not immediately deleted on the usage scene registration table 100, but it is only necessary to set a flag indicating Inactive. This is because it is possible to activate again. In addition, before deleting the store information or inactivating the card information, the user may be notified by e-mail or the like to request a determination.

  The usage scene registration table 100 is disclosed not only to the user side but also to stores and card companies, so that benefits can be generated for stores and card companies. For stores, etc., if their store has been registered without being inactivated for a certain period, it can be used as a means to attract more customers, such as recognizing the user as a customer and adding a discount service . For card companies, services such as adding points can be added to users who have registered many stores to further encourage the use of cards.

  FIG. 5 is a diagram showing a processing flow when the card is used by the card use scene management server 10 according to the first embodiment of the present invention. This process is performed by the usage scene determination unit 15 of the card usage scene management server 10.

  First, in step S10, the usage scene determination unit 15 receives information about the stores used from the store terminal 30 or the Internet shopping site 40 when the user uses the card. Next, in step S11, the usage scene registration table 100 is read from the card usage scene DB 11. Then, it is checked whether or not the received ID of the store or the like is in the use scene registration table 100 (step S12). If the ID of the store or the like is in the usage scene registration table 100 (step S12; Yes), normal card transaction processing (specifically, a settlement request is transmitted to the card company system 50) is performed (step S13).

  If the ID of the store or the like is not in the use scene registration table 100 (step S12; No), the process proceeds to step S15, and the user is asked to determine whether or not to newly register the current store or the like in the use scene registration table 100. . Specifically, the user terminal 20 is notified by e-mail or the like. When a new registration notification is received from the user terminal 20 (step S15; Yes), the process proceeds to step S16, and a store registration process is performed. Specifically, a column is added to the usage scene registration table 100, and input of usage scenes for each card is requested. After the card registration process is completed, the process proceeds to step S13, and a normal card transaction process is performed. In this case, the card transaction process may be performed before step S16. After completion of the card transaction process in step S13, the process finally proceeds to step S14, the usage record table 200 is updated, and the process ends.

  FIG. 6 is a diagram showing a card registration screen 300 according to the first embodiment of the present invention. The card registration screen 300 is a card activation support tool, and is provided by the usage scene registration unit 13 of the card usage scene management server 10 in order to cause the user to activate the issued card.

  As shown in the figure, a card registration screen 300 includes a login area 301 for entering a card number (or user ID) and password, an ATM, a store (general store, mass merchandise store), a search area 302 for searching an Internet site, and a search result. A search result display area 303 for displaying, a use setting area 304 for allowing the user to individually select stores to be used from the search result, and a registration button 305 for registering the selected data. These areas may be one page or may be composed of a plurality of pages.

  In the login area 301, in addition to the card number, the user ID of the user may be registered and the user ID and password may be used for login. In this case, it may be possible to register / change all the cards possessed by the user with one user ID. However, as already stated, when issuing a user ID and password, In addition to entering your name, date of birth, personal identification number when applying for a card, etc., it is desirable to ask for information (such as your mother's maiden name, your friend's nickname, or your pet's nickname). Note that this system is intended to grasp the usage status of the card that it owns as a whole, but the contract information itself of the card cannot be changed. That is, for safety, registration / change of personal information such as a card PIN, debit account, and address name is individually performed by a card company system.

  A search area 302 is a screen area for searching for a store or the like scheduled to use a card by keyword for each category. Information on stores and the like is stored in the store / site DB 12 together with information on whether or not the card can be used, and is constantly updated. For example, as shown in the figure, when “Shibuya” is entered in the keyword column of the ATM category, ATMs in Shibuya Ward that can accept the card are searched. The name of the financial institution or the nearest station may be used as a keyword. Similarly, if you enter “Shinjuku Station Izakaya” in the category column for general stores, izakayas near Shinjuku Station are searched. You can also search by keyword in mass-stores (including chain stores) and Internet sites. Note that a known search engine may be used as a specific search algorithm used in the search on this screen.

  The search result is displayed in the search result display area 303 for each category described above, such as the name of the store or the like and a link between the detailed information. Further, a usage setting area 304 is displayed corresponding to the displayed search result. When using the store from the use setting area 304, the user puts a mark in the check column, and selects the use time zone from the pull-down menu or the like for the store where the mark is put. In particular, when the use time zone is not designated, “no designation” (default) may be used, but when the use time zone is designated, for example, “weekdays from 22:00” is selected. A general office worker may be determined as a default for holidays and weekdays, but a calendar may be separately displayed for users who are not closed on Saturdays and Sundays so that weekdays and holidays are individually specified.

  In the “notification condition” column, a period for performing the above-described predetermined processing when there is no use for a certain period is designated. For example, if “1 year” is specified as the notification condition, if there is a store that has not been used for one year, it may be automatically deleted from the usage scene registration table 100, or the user may be notified, A determination may be made as to whether or not to delete. Although not particularly shown, other conditions other than the period can be designated as the notification condition. For example, when a combination of a specific card and a specific store that are marked as “X” in the usage scene registration table 100 is used, there is a possibility of unauthorized use. In some cases, the use of the x combination itself is not prohibited).

  The card registration screen 300 is a screen for the user to input data necessary for activating the card to be displayed on the user terminal 20 when the card is delivered. It is desirable to display a plurality of activated cards simultaneously in a table format as shown in FIG. By doing this, it is possible to comprehensively manage the usage scenes of all of the cards possessed by the user. That is, since the usage scenes of all the cards can be viewed on one screen, the usage scene can be reviewed as a whole.

  After completing the data input for Activate, the user presses a registration button 305 to add new card information to the usage scene registration table 100. In addition, a store or the like that has been registered once may be displayed at the top of the search result when another card is registered.

  FIG. 7 is a diagram showing a store registration screen 400 according to the first embodiment of the present invention. The store registration screen 400 is a screen for easily registering a store when the user wants to use the card in a new store that is not registered in the use scene.

  As shown in the figure, in the store registration screen 400, a login area 401 for inputting a card number (or user ID) and password, a store information input area 402 for inputting store information with a QR code (registered trademark), etc. A usage setting area 403 for specifying a usage time zone and notification conditions for the store, and a registration button 404 for registering the input data. These areas may be one page or may be composed of a plurality of pages.

  The store registration screen 400 is created by the use scene registration unit 13 of the card use scene management server 10 and displayed on the user's mobile terminal before the user actually visits the store and uses the card. It is desirable to do. That is, the user logs in to the store registration screen 400 from the mobile terminal, and images the QR code (registered trademark) from the camera of the mobile terminal from the store signboard, menu, or the like. If the QR code (registered trademark) is normally read, the store information is automatically taken into the store information input area 402. Of course, when a QR code (registered trademark) cannot be obtained, store information may be input from a search result homepage or the like by inputting a store name or the like as a search keyword.

  FIG. 8 is a diagram showing an overview of the card use scene management system according to the second embodiment of the present invention. In the first embodiment, it does not matter whether the card is an IC card or a magnetic recording card. In the second embodiment, a case where the card is an IC card will be described.

  When the card is an IC card 80, it is common to have a storage unit inside the card. In the first embodiment, the usage scene registration table 100 has been described as being stored in the card usage scene DB 11 and updated by the card usage scene management server 10. However, in the second embodiment, the usage scene registration table 100 is stored in the card storage unit. Consider the case of holding card usage scene data (use scene registration data). In this case, it is assumed that the card reader / writer 21 that can read and write to the IC card 80 on the user side is provided, and the card reader / writer 21 is connected to the user terminal 20. Preferably, the card reader / writer 21 is small enough to be carried with a portable terminal.

  When activating the IC card 80, the user reads the newly issued card to the card reader / writer 21, accesses the card use scene management server 10, confirms the displayed card number, and the like. Enter the PIN number and “secret answer” entered at the time of application and receive the user ID. Since the information stored in the card can be used for the input at this time, the data input other than the authentication purpose for identity verification is greatly reduced.

  Since the usage scene registration data is stored not only in the card usage scene DB 11 but also in the card, when the card is used (when the usage scene registration data is updated), the usage scene registration data is stored in the card via the store terminal 30 or the like. The data and the data in the card usage scene DB 11 are synchronized so that the usage status of the card can be grasped even when the network connection is not possible, such as when going out. Alternatively, the card usage scene DB 11 itself may be omitted, and usage scene registration data inside the card may be sequentially read into the user terminal 20 to provide an application for managing a plurality of cards. In this way, the usage status of the card can be displayed more finely by an application running on the user terminal 20, and the processing of the usage scene determination unit 15 can be performed on the store terminal 30 side or inside the card. By making the determination by the CPU, the processing load of the card use scene management server 10 can be greatly reduced.

  In the above embodiment, the credit card, the debit card, and the cash card have been described in mind. However, the present invention is not limited to these cards, and an electronic money card, a prepaid card, a point card, and a ticket Any card can be applied to various cards as long as the card is used in a plurality of places, such as a card and an ETC card, and the user wants to grasp the usage status of the card in a timely manner.

  As mentioned above, although this invention was demonstrated using embodiment, it cannot be overemphasized that the technical scope of this invention is not limited to the range as described in the said embodiment. It will be apparent to those skilled in the art that various modifications or improvements can be added to the above-described embodiments. Further, it is apparent from the scope of the claims that the embodiments added with such changes or improvements can be included in the technical scope of the present invention.

10 Card usage scene management server 11 Card usage scene DB
12 Store / Site DB
DESCRIPTION OF SYMBOLS 13 Usage scene registration part 14 Usage condition monitoring part 15 Usage scene determination part 16 Internet communication part 17 Card system network communication part 20 User terminal 20a PC
20b Mobile phone / PHS / PDA
20c Smartphone 21 Card reader / writer 30, 30a, 30b, 30c Store terminal 40, 40a, 40b, 40c Internet shopping site 50, 50a, 50b, 50c Card company system 60 Card system network 70 Internet 100 Usage scene registration table 101 Card ID
102 Store ID
103, 104 Notification condition 105, 106, 107 Update target column or row 200 Usage record table 300 Card registration screen 301 Login area 302 Search area 303 Search result display area 304 Usage setting area 305 Registration button 400 Store registration screen 401 Login area 402 Store information input area 403 Use setting area 404 Registration button

Claims (8)

A card usage management system for managing the usage status of a plurality of electronic cards owned by the user,
The user terminal of the user, a store terminal of a store that can use the electronic card, a Web site that can use the electronic card, and a plurality of card company systems via a card use scene management server Connected to the network
The card use scene management server includes:
When an electronic card is newly issued, a screen for allowing the user to input a usage scene, which is information including an identifier of a store or website where the user plans to use the electronic card, is transmitted to the user terminal. The usage scene registration unit which registers the usage scene and makes the electronic card usable (Activate) only when the registration is completed ,
When the electronic card registered to be usable is used at a store or a website, the transaction information of the electronic card and the identifier of the store or the website are received from the store terminal or the website, A usage scene determination unit that determines whether to transmit the transaction information to the card company system based on whether or not the identifier is included in the registered usage scene;
A card use management system comprising: The usage scene registration unit groups the stores or WEB sites and registers them in a usage scene registration table that stores each combination with the electronic card, and the usage scene determination unit registers the identifier for each combination. If it is not included in the usage scene, a notification for determining whether to newly add an identifier of the store or the website to the usage scene is transmitted to the user terminal. The card use management system according to claim 1.   The usage scene includes information on a time zone in which the user intends to use the electronic card at the store or the Web site. When the electronic card is used outside the time zone, the usage scene is displayed on the user terminal. The card usage management system according to claim 1, wherein notification is performed. The card usage scene management server further includes a usage status monitoring unit that monitors the usage status of the electronic card, and the usage status monitoring unit records transaction information of the usage when the electronic card is used, The card usage management system according to any one of claims 1 to 3, wherein a record of the transaction information is transmitted to the user terminal based on a request from the user terminal.   If the electronic card is not used at a store or website registered in the usage scene for a predetermined period, the usage status monitoring unit deletes the information on the store or the website from the usage scene. The card use management system according to claim 4, wherein a notification for determining whether or not is sent to the user terminal.   If the electronic card registered in the usage scene has not been used for a predetermined period, the usage status monitoring unit sends a notification requesting a determination as to whether or not to delete the electronic card information from the usage scene. The card usage management system according to claim 4, wherein the card usage management system is transmitted to the user terminal. A card usage scene management server for managing the usage status of a plurality of electronic cards owned by the user,
A communication unit connectable to the user terminal of the user, a store terminal of a store capable of using the electronic card, a Web site capable of using the electronic card, and a card company system;
When an electronic card is newly issued, a screen for inputting a usage scene that is information including an identifier of a store and a website where the user plans to use the electronic card is transmitted to the user terminal. A usage scene registration unit that registers a usage scene and makes the electronic card usable (Activate) only when the registration is completed ;
The available registered electronic card, when used in a store or Web site, from the shop terminal or the Web site, receives the transaction information and the shop or the identifier of the Web site of the electronic card A usage scene determination unit that determines whether to transmit the transaction information to the card company system based on whether the identifier is included in the registered usage scene;
A card use scene management server, comprising: A card usage management method for managing the usage status of a plurality of electronic cards owned by the user,
Card use configured to be connectable to the user terminal of the user, a store terminal of a store where the electronic card can be used, a Web site where the electronic card can be used, and a card company system. In the scene management server,
When a new electronic card is issued, a screen for inputting a usage scene that is information including an identifier of a store and a website where the user plans to use the electronic card is transmitted to the user terminal; ,
Registering the input usage scene and making the electronic card usable (Activate) only when the registration is completed ;
Receiving the transaction information of the card and the identifier of the store or the website from the store terminal or the website when the electronic card registered to be usable is used in the store or the website;
Determining whether to transmit the transaction information to the card company system based on whether the identifier is included in the registered usage scene;
A card use management method comprising:

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