JP6035048B2 - Credit screening system and credit screening method - Google Patents

Description

  The present invention relates to a credit examination system, a credit examination method, and a store terminal that perform credit examination processing for credit card settlement.

  Various techniques for performing credit screening for credit card settlement have been proposed. For example, Patent Document 1 discloses a technology that allows credit examination processing to be performed in a credit card company system without leaving a card number at a member store terminal by using a sub-number corresponding to the card number of a credit card. It is disclosed. In addition, in order to improve the convenience of credit cards, a technique for performing credit examination using a mobile phone or the like has been proposed. For example, Patent Document 2 includes a mobile terminal and a credit card management server, sets a valid period and a usage limit from the mobile terminal in advance, obtains credit card company credit, and stores the information in the mobile terminal In addition, a credit examination system is proposed in which the credit card management server holds the credit card with the mobile terminal and the credit card management server for the payment within the range of the validity period and the usage limit.

  As described above, in the case of the credit examination system disclosed in Patent Document 2, for payment within the range of the validity period and the usage limit set in advance, the mobile terminal and the credit Credit examination processing can be performed only by the card management server. Therefore, for small payments, the credit screening process using only the mobile terminal and the credit card management server is sufficient, so that a quick process can be realized, and the credit card company's credit inquiry system does not need to be processed. The load on the inquiry system can be reduced.

JP 2011-128898 A JP 2009-48507 A

  In the case of the technique disclosed in Patent Document 1, since the credit card company system executes the credit examination process, the load on the system increases as the number of processes increases, and a quick response can be realized. Problems such as inability to occur may occur. On the other hand, in the case of the credit examination system of Patent Document 2, as described above, the processing of the credit inquiry system on the credit card company side becomes unnecessary. However, in the case of this credit screening system, payment exceeding the preset usage limit, that is, high-value payment, cannot be handled by the credit screening processing only by the mobile terminal and the credit card management server, and is the same as the normal case. Inquiries to the credit inquiry system will occur. Therefore, since the user needs to use a mobile terminal for small amount payment, but needs to use a credit card for large amount payment, there is a problem that the user has to use them according to the amount of payment.

  The present invention has been made in view of such circumstances, and its main purpose is to perform credit examination using a portable information processing device such as a portable phone and a store terminal regardless of the amount of payment. A credit screening system, a credit screening method, and a store terminal are provided.

In order to solve the above-described problem, a credit examination system according to one aspect of the present invention includes a portable information processing device carried by a credit card user and a credit that is communicably connected to the portable information processing device. In the credit examination system comprising a card system on the card company side and a store terminal provided in a store where a credit card can be used and connected to be able to communicate with the card system, A credit examination program storage unit that stores a credit examination program for executing a credit examination using credit examination information including card information related to a credit card, and a credit examination stored in the credit examination program storage unit and a credit evaluation program transmission means for transmitting the program to the store terminal, credit The card usage information indicating a usage Tokado; and a card usage information transmitting means for transmitting to said portable information processing apparatus, the portable information processing apparatus, the card information storage section for storing card information And card information updating means for updating the card information stored in the card information storage unit based on the card usage status information received from the card system, and when performing credit card payment credit, the card information Credit examination information transmission means for sending credit examination information including card information updated by the updating means to the store terminal, and the store terminal receives the credit examination received from the portable information processing device. Credit card settlement credit by executing the credit review program received from the card system using the business information Comprising a credit evaluation processing means for executing査processing, the card system further comprises means for repeatedly transmitting a specific information at predetermined time intervals to the portable information processing apparatus, the portable information processing If the difference between the date and time when the device performs credit card payment and the most recent date and time when the specific information is received from the card system is greater than or equal to a predetermined period, a request for sending card usage status information is sent to the card system. And means for transmitting the card usage status information to the portable information processing apparatus when the transmission request is received by the card system. It is configured .

In this aspect, each time the credit card settlement amount is deducted from the account of the user's transaction financial institution, the card system transmits debit information including the deduction amount to the portable information processing apparatus. The card information update means may be configured to update the card information stored in the card information storage unit based on the withdrawal information received from the card system.

  Further, in the above aspect, the store terminal further includes a program request transmitting means for transmitting a request for transmitting a credit screening program to the card system when a user enters the store, and the credit screening program The transmission unit may be configured to transmit the credit examination program to the store terminal when the card system receives a request for sending the credit examination program from the store terminal.

  Further, in the above aspect, the card system stores a member store information storage unit that stores member store information related to a member store of a credit card, and member store information stored in the member store information storage unit to the store terminal. The credit examination processing means is configured to execute the credit examination processing based on the member store information received by the store terminal from the card system. May be.

  In the above aspect, the store terminal further comprises member store information request transmission means for transmitting a request for transmission of member store information to the card system when a user enters the store. The store information transmitting means is configured to transmit the member store information of the store in which the store terminal is provided to the store terminal when the card system receives a request for transmitting the store information from the store terminal. May be.

  Further, in the above aspect, the card usage status information transmitting means is configured to transmit the card usage status information to the portable information processing apparatus via a wireless access point provided around the store. It may be.

  Moreover, the said aspect WHEREIN: The said card utilization condition information transmission means may be comprised so that card utilization condition information including the payment condition of a credit card may be transmitted with respect to the said portable information processing apparatus.

  Moreover, the said aspect WHEREIN: The said card utilization condition information transmission means may be comprised so that card utilization condition information containing the card accident information regarding the accident of a credit card may be transmitted with respect to the said portable information processing apparatus.

  In the above aspect, the portable information processing device further includes a biological information storage unit that stores the biological information of the user, and the credit examination information transmission unit is stored in the biological information storage unit. The credit examination information including the biometric information is transmitted to the store terminal, and the store terminal further includes biometric information acquisition means for acquiring the biometric information of the user, The examination processing means executes the credit examination process based on a collation result between the biological information included in the credit examination information received from the portable information processing device and the biological information acquired by the biological information acquisition means. It may be configured as follows.

A credit examination method according to one aspect of the present invention includes a portable information processing device carried by a credit card user, a credit card company-side card system connected to be communicable with the portable information processing device, and a credit card. In a credit screening method for performing credit screening for credit card payment using a store terminal that is provided in a store where the card can be used and is communicably connected to the card system, the card system includes card information related to the credit card. A credit examination program storage unit that stores a credit examination program for executing a credit examination using the information for credit examination including the credit examination program stored in the credit examination program storage unit. and a credit evaluation program transmission step of transmitting to the terminal, the usage of credit card shows Run the card usage information transmission step of transmitting the card usage information to the portable information processing apparatus, the portable information processing apparatus, comprising a card information storage section for storing card information on credit card and, based on the card usage information received from the card system, a card information updating step of updating the card information stored in the card information storage section, when performing credit credit card payment, the card A credit examination information transmitting step for transmitting credit examination information including card information updated by the information updating step to the store terminal, and the store terminal receives the credit received from the portable information processing device. By executing the credit screening program received from the card system using the screening information, Run the credit scoring process step of performing credit evaluation processing of the payment, the card system further executes the step of repeatedly transmitting the specific information at predetermined time intervals to the portable information processing apparatus, the portable If the difference between the date and time when the information processing device performs credit card payment credit and the most recent date and time when the specific information is received from the card system is greater than or equal to a predetermined period, a request for sending card usage status information is sent to the card A step of transmitting to the system, and in the card usage status information transmitting step, when the transmission request is received by the card system, the card system sends the card usage status information to the portable information processing device. Is transmitted .

In the above aspect, each time when the credit card settlement amount is deducted from the account of the user's transaction financial institution, the card system transmits debit information including the deduction amount to the portable information processing apparatus. The portable information processing device updates the card information stored in the card information storage unit based on the withdrawal information received from the card system in the card information update step. It may be.

  According to the credit examination system, the credit examination method, and the shop terminal according to the present invention, the credit examination process can be performed using the portable information processing apparatus and the shop terminal regardless of the amount of payment.

The block diagram which shows the structure of the credit examination system which concerns on embodiment of this invention. The block diagram which shows the structure of the credit information transmission apparatus which concerns on embodiment of this invention. 1 is a block diagram illustrating a configuration of a mobile phone according to an embodiment of the present invention. The figure which shows an example of the layout of the card | curd information database provided in the mobile telephone which concerns on embodiment of this invention. The figure which shows an example of the layout of the transaction details information database provided in the portable telephone which concerns on embodiment of this invention. The block diagram which shows the structure of the shop terminal which concerns on embodiment of this invention. The flowchart which shows the procedure of the process at the time of entrance performed in the credit examination system of embodiment of this invention. The flowchart which shows the procedure of the credit screening process performed in the credit screening system of embodiment of this invention. The flowchart which shows the procedure of the credit screening process performed in the credit screening system of embodiment of this invention. The flowchart which shows the procedure of the withdrawal information transmission / reception process performed in the credit examination system of embodiment of this invention. The flowchart which shows the procedure of the accident information transmission / reception process performed in the credit examination system of embodiment of this invention.

  Hereinafter, preferred embodiments of the present invention will be described with reference to the drawings. In addition, each embodiment shown below illustrates the method and apparatus for actualizing the technical idea of this invention, Comprising: The technical idea of this invention is not necessarily limited to the following. Absent. The technical idea of the present invention can be variously modified within the technical scope described in the claims.

[Configuration of credit screening system]
FIG. 1 is a block diagram showing a configuration of a credit examination system according to an embodiment of the present invention. As shown in FIG. 1, the credit examination system of the present embodiment includes a card system C provided on the credit card company side and portable information processing carried by each credit card member (hereinafter referred to as “card member”). The mobile phone 3 is a device, and the store terminal 4 is a POS (Point Of Sale) terminal provided in a store where a credit card can be used. The card system C is a computer program for executing credit examination processing while transmitting credit information used for credit examination to the mobile phone 3, which is information relating to credit card usage status and the like. The credit information transmitting apparatus 1 that transmits the credit examination program to the store terminal 4 and the store settlement information are acquired from the store terminal 4, and the settlement information for performing the settlement process is generated based on the store settlement information. A store settlement system 2 is provided. The credit information transmitting apparatus 1 and the mobile phone 3 are connected via a mobile network N1 so as to communicate with each other. Further, the credit information transmitting apparatus 1 and the store settlement system 2 and the store terminal 4 are communicably connected via a dedicated line network N2.

  As described above, in the present embodiment, the mobile phone 3 is illustrated as a portable information processing device carried by a cardholder, but other portable information such as a PDA (Personal Digital Assistant) and a portable music player. A processing device (which can be connected to a wireless LAN or the like) may be used.

[Configuration of Credit Information Transmitter]
Hereinafter, a detailed configuration of the credit information transmitting apparatus 1 described above will be described.
FIG. 2 is a block diagram showing a configuration of credit information transmitting apparatus 1 according to the embodiment of the present invention. As shown in FIG. 2, the computer (credit information transmitting apparatus) 1 includes a CPU 10, a ROM 11, a RAM 12, a hard disk 13, and a communication interface (I / F) 14, and these CPU 10, ROM 11, RAM 12, and communication I / F14 is connected by a bus 15.

  The CPU 10 executes various computer programs loaded in the RAM 12. As a result, the computer 1 functions as the credit information transmitting apparatus 1 of the present embodiment.

  The ROM 11 is configured by a mask ROM, PROM, EPROM (Erasable PROM), EEPROM (Electrically Erasable PROM), or the like, and stores a computer program executed by the CPU 10, data used in the execution, and the like. .

  The RAM 12 is configured by SRAM, DRAM, or the like. The RAM 12 is used for reading out various computer programs stored in the hard disk 13. Further, it is also used as a work area of the CPU 10 when the CPU 10 executes various computer programs.

  The hard disk 13 is preinstalled with various computer programs to be executed by the CPU 10 and data used for executing the computer programs. The hard disk 13 also has a member information database (DB) 13A for storing member information regarding card members, a member store information database (DB) 13B for storing member store information regarding member stores of credit cards, and a credit card. A payment information database (DB) 13C that stores payment information related to card payments and an accident information database (DB) 13D that stores accident information related to credit card accidents are provided. Details of these databases will be described later.

  The hard disk 13 is installed with a multitask operating system such as Windows (registered trademark) manufactured and sold by Microsoft Corporation. In the following description, it is assumed that various computer programs operate on the operating system.

  Further, the hard disk 13 stores a credit screening program 13E which is a computer program executed by the store terminal 4. The contents of the credit screening process can be appropriately changed according to various circumstances on the credit card company side. Along with this, the credit screening program 13E for executing the credit screening processing is also updated as appropriate. The credit information transmitting apparatus 1 stores at least the latest version of the credit screening program 13E in the hard disk 13.

  The communication I / F 14 is an interface device for the credit information transmitting apparatus 1 to communicate with an external apparatus via the mobile network N1 or the dedicated line network N2. The credit information transmitting apparatus 1 transmits various data to the mobile phone 3 and the store terminal 4 via the communication I / F 14.

Hereinafter, details of each database provided in the hard disk 13 will be described.
(A) Member information DB 13A
The member information stored in the member information DB 13A includes a card number for identifying a credit card, the type and expiration date of the credit card, the name and contact information of the card member, the presence and details of the family member, and the card member. A transmission destination address used when various kinds of information are transmitted to the portable mobile phone 3 via the mobile network N1 is included.

(B) Member store information DB 13B
The member store information stored in the member store information DB 13B includes identification information for identifying the store name of the store in which the member store contract is concluded with the credit card company and the store terminal provided in the store. , As well as information such as contact information for the store. This member store information is updated to the latest contents as needed. The member store information stored in the member store information DB 13B has the same content as the own member store information stored in the store terminal 4 as will be described later.

(C) Settlement information DB13C
The settlement information stored in the settlement information DB 13C includes information indicating whether or not the settlement amount has been deducted from the account of the card member's transaction financial institution, and the deduction date and deduction amount when debited. . The credit information transmitting apparatus 1 acquires the above-described payment information from a payment system (not shown) provided in the card system C, and stores it in the payment information DB 13C.

(D) Accident information DB13D
The accident information stored in the accident information DB 13D includes information on unauthorized use, theft, and loss of credit cards. The credit information transmitting apparatus 1 acquires the above accident information from an accident information system (not shown) provided in the card system C and accumulates it in the accident information DB 13D.

[Configuration of mobile phone]
Next, a detailed configuration of the mobile phone 3 will be described.
FIG. 3 is a block diagram showing the configuration of the mobile phone 3 according to the embodiment of the present invention. As shown in FIG. 3, the mobile phone 3 includes a control unit 30, a memory 31 connected to the control unit 30, an RF (Radio Frequency) unit 32, an input unit 34, a display 35, a voice input unit 36, and a camera unit. 37 and an IC chip 38.

  The control unit 30 controls the operation of each device connected to the control unit 30 and executes a computer program stored in the memory 31. Further, the memory 31 stores a card information database (DB) 31A in which card information related to the credit card of the card member who owns the mobile phone 3 and the family member is stored, and transaction details information related to the transaction result by the credit card. The transaction details information database (DB) 31B is provided. Details of these databases will be described later.

  Further, the memory 31 stores biometric information 31 </ b> C of the card member who owns the mobile phone 3. The biometric information 31C is information used as a template in biometric authentication, and includes the cardholder's fingerprint, vein, iris, voiceprint, and the like. As will be described later, this biometric information 31C is used in a biometric authentication process executed between the mobile phone 3 and the store terminal 4.

  The RF unit 32 is a communication interface device for performing wireless communication, and performs various signal processing on a wireless signal input / output via the antenna 33. The mobile phone 3 uses the RF unit 32 to realize communication with the credit information transmitting apparatus 1 via the mobile network N1.

  The input unit 34 is an input device that includes various keys including a numeric keypad, and the display 35 is a display device that includes liquid crystal, organic EL (Electro Luminescence), or the like. The voice input unit 36 is a microphone for inputting voice or the like during a call, and the camera unit 37 is an imaging device configured by a CCD (Charged Coupled Device) or a CMOS (Complementary Metal Oxide Semiconductor). When the biological information 31C is composed of a voiceprint, the mobile phone 3 uses the voice input unit 36 to acquire card member voice data, and generates the biological information 31C based on the voice data. Can do. When the biological information 31C is composed of fingerprints, veins, and irises, the mobile phone 3 acquires the information from the card member using the camera unit 37, and the biological information is based on the acquired information. It is also possible to generate 31C.

  The IC chip 38 is a so-called non-contact type IC chip and is embedded in the mobile phone 3. The IC chip 38 operates by radio waves supplied from a reader / writer device provided in the store terminal 4. The mobile phone 3 and the store terminal 4 transmit and receive various data via the IC chip 38 and the reader / writer device.

Hereinafter, details of each database provided in the memory 31 will be described.
(A) Card information DB 31A
FIG. 4 is a diagram showing an example of the layout of the card information DB 31A. As shown in FIG. 4, the card information DB 31A includes a company code field 301 for storing a company code for identifying a credit card company, a card ID field 302 for storing a card ID for identifying a credit card, Expiration date field 303 in which the expiration date of the credit card is stored, limit amount field 304 in which the limit amount that the credit card can be used is stored, usage amount field 305 in which the usage amount of the credit card is stored, credit card Accident code field 306 for storing an accident code indicating the type of accident (unauthorized use, theft, loss, etc.) and information indicating the presence or absence of a credit card owned by a family member (hereinafter referred to as “family card”) are stored. Family card field 307, identifying family card Family card ID field 308 family card ID of fit is stored, and family members have a family address field 309 families address is stored is the address of the receiving an electronic mail in the mobile phone owned.

  The card information stored in the card information DB 31A is composed of information received from the credit information transmitting device 1. The credit information transmitting apparatus 1 extracts information constituting the card information from the member information DB 13A, and transmits the extracted information to the mobile phone 3. When each information is updated, the credit information transmitting apparatus 1 transmits the updated information to the mobile phone 3 at an appropriate timing, and the mobile phone 3 updates the card information using the received information. As a result, the card information stored in the card information DB 31A is kept up to date.

(B) Transaction details information DB 31B
FIG. 5 is a diagram showing an example of the layout of the transaction details information DB 31B. As shown in FIG. 5, the transaction details information DB 31B stores a company code field 311 for storing a company code for identifying a credit card company that issues a used credit card, and a date and time when the credit card is used. Use date field 312, use member store field 313 storing the name of the member store using the credit card, purchase product field 314 storing the type of product purchased using the credit card, credit card use amount Is used, and a credit result field 316 in which a result of the credit examination process is stored is stored. Each time a credit screening process described later is executed, the mobile phone 3 generates the transaction detail information including the result and stores it in the transaction detail information DB 31B.

  Note that, as described above, the mobile phone 3 acquires each piece of information stored in the card information DB 31A from the credit information transmitting apparatus 1. In this case, the mobile phone 3 may receive each piece of information from the credit information transmitting device 1 via the mobile network N1, but is also provided in or near a store that uses a credit card. It may be received by a wireless system such as Wi-Fi (registered trademark) via a wireless access point. In this case, operations such as updating of information each time a card member visits a store can be performed, and the card information DB 31A can be quickly brought up to date.

[Configuration of store terminal]
Next, a detailed configuration of the store terminal 4 will be described.
FIG. 6 is a block diagram showing the configuration of the mobile phone 3 according to the embodiment of the present invention. As shown in FIG. 6, the store terminal 4 includes a control unit 40, a memory 41 connected to the control unit 40, a communication interface (I / F) 42, an input / output interface (I / F) 43, and a display 44. It has.

  The control unit 40 controls the operation of each device connected to the control unit 40 and executes a computer program stored in the memory 41. The computer program stored in the memory 41 includes a credit examination program 13E downloaded from the credit information transmitting apparatus 1.

  Further, the memory 41 stores own member store information 41 </ b> A that is information related to the member store in which the store terminal 4 is provided. The own member store information 41A includes a member store code for identifying the member store, a terminal ID for identifying the store terminal 4 provided in the member store, the store name of the member store, and the member store. Address of the member store, a telephone number which is the contact information of the member store, and a business type code indicating the type of business of the member store (for example, restaurant business, clothing sales business, etc.).

  The communication I / F 42 is an interface device for communicating with the credit information transmitting device 1 via the dedicated line network N2. The input / output I / F 43 is an interface device for communicating with the reader / writer (R / W) device 5 that can communicate with the IC chip 38 of the mobile phone 3. Further, the display 44 is a display device composed of a liquid crystal or the like.

[Operation of credit screening system]
Next, the operation of the credit examination system according to this embodiment configured as described above will be described with reference to a flowchart and the like. The main processes executed by the credit examination system according to the present embodiment include (1) store entry process performed when a card member enters a store, and (2) credit card settlement credit review. (3) Withdrawal information transmission / reception processing for sending / receiving debit information indicating that the credit card usage amount has been deducted from a predetermined financial institution account, (4) Accident information regarding credit card accidents There is an accident information transmission / reception process for transmission / reception. Details of each of these processes will be described below.

(1) Processing when entering a store Each store is provided with a reader device near the entrance. When the card member enters the store, the reader device communicates with the IC chip 38 of the mobile phone 3 carried by the card member, and identifies the credit card company owned by the card member. The company identification information is acquired from the IC chip 38. Thereafter, the following store entry processing is executed.

  FIG. 7 is a flowchart showing a procedure of store entry processing executed in the credit examination system of the present embodiment. The reader device transmits the company identification information acquired from the IC chip 38 of the mobile phone 3 to the store terminal 4 (S101). When the store terminal 4 receives the company identification information transmitted from the reader device (S201), the store terminal 4 responds to the credit information transmitting device 1 provided in the card system C of the credit card company identified by the company identification information. A credit examination preparation request for preparing for credit examination is transmitted (S202).

  When the credit information transmitting apparatus 1 receives the credit screening preparation request transmitted from the store terminal 4 (S301), the credit information transmitting device 1 stores the credit screening program 13E stored in the hard disk 13 and the member store information in the member store information DB 13B. 4 is transmitted (S302). When the store terminal 4 receives the credit screening program 13E and member store information transmitted from the credit information transmitting device 1 (S203), the store terminal 4 stores the received credit screening program 13E and member store information in the memory 41 (S204). .

  In the present embodiment, a credit examination preparation request is transmitted from the store terminal 4 to the credit information transmitting device 1, but for example, from a reader device provided in the store to the credit information transmitting device 1. A credit examination preparation request may be transmitted. Further, the R / W device 5 connected to the store terminal 4 may execute the processing executed by the reader device in the above-described store entry processing.

  The store terminal 4 holds the latest credit screening program 13E and member store information through the above-described store entry process. When the card member who enters the store performs a credit card transaction, the store terminal 4 executes a credit examination process to be described later using these latest information.

(2) Credit screening process A card member who purchases a product using a credit card is connected to the store terminal 4 with the mobile phone 3 carried by himself / herself when paying the purchase price. Approach the / W device 5. As a result, the IC chip 38 included in the mobile phone 3 operates to enable communication between the mobile phone 3 and the store terminal 4, and the following credit examination process is executed.

FIG. 8A and FIG. 8B are flowcharts showing a procedure of credit examination processing executed in the credit examination system of the present embodiment.
The mobile phone 3 transmits the credit examination information including the card information and the biometric information 31C stored in the card information DB 31A after communication with the store terminal 4 becomes possible (S401).

  The store terminal 4 receives the credit review information transmitted from the mobile phone 3 (S501), and then inputs the product information including the price and product name of the product that the card member is going to purchase. (S502). The product information is input using a barcode reader or the like provided in the store terminal 4. Next, the store terminal 4 displays a message on the display 44 prompting the card member to input biometric information. Here, when the biometric information used for the card member's biometric authentication is a fingerprint, vein, and iris, the information is acquired by an imaging device or the like provided in the store terminal 4, and when the biometric information is a voiceprint, the store terminal 4 The voice print of the card member is acquired using a voice input device or the like included in the card. The store terminal 4 acquires the card member's biometric information by any one of the methods described above (S503).

  Next, the store terminal 4 collates the biometric information 31C included in the credit examination information with the biometric information acquired in step S503, and determines whether these biometric information matches (S504). ). Here, when it is determined that they match (YES in S504), the store terminal 4 determines that the affiliated store information stored in the memory 41 and the information related to the store in the affiliated store information acquired by the preceding store entry process. Is determined by the credit card company that issues the credit card to be used as a valid member store (S505).

  If it is determined in step S505 that the information related to the store in the member store information matches the own member store information (YES in S505), the store terminal 4 determines the price of the product included in the product information and the credit examination. The current credit card settlement is within the range of the usage limit amount using the limit amount and the usage amount stored in the limit amount field 304 and the usage amount field 305 of the card information included in the usage information, respectively. It is determined whether or not (S506). More specifically, it is determined whether the amount obtained by subtracting the usage amount from the limit amount (that is, the available amount) is equal to or higher than the price of the product.

  If it is determined in step S506 that the credit card is within the usage limit range (YES in S506), the store terminal 4 determines that the credit card to be used has an accident based on the information stored in the accident field 306 of the card information. It is determined whether the card is a credit card (such as a credit card that has been illegally used or a credit card for which a loss application has been made) (S507). If it is determined that the card is not related to an accident (NO in S507), the store terminal 4 proceeds to Step S510 described later.

  On the other hand, if it is determined in step S504 that the biometric information does not match (NO in S504), if it is determined in step S505 that the information related to the store in the member store information does not match the own member store information (NO in S505). ) If it is determined in step S506 that it is not within the range of the usage limit (NO in S506), or if it is determined in step S507 that the card is related to an accident (YES in S507), the store terminal 4 Disapproval information indicating that the credit card was not approved and the reason (inconsistent biometric information, absence of member store contract, overuse limit card, or accident card) A disapproval screen is sent to the mobile phone 3 (S508) and a disapproval screen showing what caused the disapproval is displayed 4 To display in the above (S509). By referring to this disapproval screen, the store clerk can know that the credit was not approved and the reason. If the biometric information is disapproved due to inconsistency, the process may return to step S503 to acquire the biometric information again and try the credit examination process again.

  When the mobile phone 3 receives the disapproval information transmitted from the store terminal 4 (S402), the mobile phone 3 displays on the display 35 a disapproval screen indicating what caused the disapproval (S403). By referring to this disapproval screen, the store clerk can know that the credit was not approved and the reason. If the card is declined due to an accident card, the credit card user may be an unauthorized user, and it is not necessary to inform the user of the reason for the decline. The screen may not include the reason for disapproval.

  If it is determined in step S507 that the card is not related to an accident (NO in S507), the store terminal 4 determines that the credit has been approved as shown in FIG. 8B, and displays approval information indicating that the approval has been made. Transmission is made to the mobile phone 3 (S510).

  When the mobile phone 3 receives the approval information transmitted from the store terminal 4 (S404), the mobile phone 3 transmits reception completion information indicating acceptance of credit approval to the store terminal 4 (S405). When the store terminal 4 receives the reception completion information (S511), the store terminal 4 deletes the credit examination information acquired in step S501 from the memory 41. Thereby, it is possible to prevent the credit examination information from being illegally used thereafter.

  The store terminal 4 stores approval information to be transmitted to the mobile phone 3, generates store check-out information related to store check-out based on the stored approval information, and uses a dedicated line when the station is closed. The store settlement information is transmitted to the store settlement system 2 via the network N2. As described above, the store settlement system 2 that has received the store settlement information generates settlement information necessary for performing settlement based on the received store settlement information. The payment information generated in this way is sent from the store payment system 2 to the payment system provided in the card system C.

  In addition, after executing Step S405, the mobile phone 3 generates transaction detail information related to the transaction related to the current credit, and registers the transaction detail information in the transaction detail information DB 31C (S406). Next, the mobile phone 3 updates the usage amount by adding the usage amount of the current credit card to the usage amount stored in the usage amount field 305 of the card information DB 31A (S407).

  Next, the mobile phone 3 refers to the information stored in the family card field 307 of the card information DB 31A, and determines whether or not a family card exists for the credit card used this time (S408). If it is determined that there is no family card (NO in S408), the mobile phone 3 ends the process. On the other hand, when it is determined that the family card exists (YES in S408), the mobile phone 3 sends an e-mail including usage amount update information indicating that the usage amount has been updated, to the family address field 309 of the card information DB 31A. (S409). When there are a plurality of family cards, the e-mail is transmitted to a plurality of addresses associated with each family card. As a result, the e-mail is transmitted to the mobile phone carried by all the family members.

  When the family member mobile phone having the same configuration as the mobile phone 3 receives the usage amount update information included in the e-mail transmitted from the mobile phone 3 (S611), the above-described step S407 is performed. Similarly to the case, the usage amount is updated by adding the usage amount of the current credit card to the usage amount stored in the usage amount field 305 of the card information DB 31A provided in its own memory ( S612). As a result, not only the main member but also the usage amount in the mobile phone carried by the family member is updated, so that it is possible to appropriately perform subsequent credit screening. If the credit screening process is for a family card and the credit is approved, the use of the membership card (and the family card if other family cards exist) in the same manner as above. The amount will be updated.

  By executing the credit screening process described above, the card user can complete the credit card settlement credit screening using only the mobile phone 3 and the store terminal 4 without using the credit card itself. In order to perform an appropriate credit examination, it is necessary to keep the contents of the card information DB 31A up to date according to the usage status of the credit card. The following withdrawal information transmission / reception process and accident information transmission / reception process are processes for updating the information stored in the usage amount field 306 and the accident code field 306 of the card information DB 31A as described above.

(3) Withdrawal information transmission / reception process The following withdrawal information transmission / reception process is repeatedly executed at the timing when the contents of the payment information DB 13C are updated in the credit information transmitting apparatus 1.
FIG. 9 is a flowchart showing a procedure of withdrawal information transmission / reception processing executed in the credit examination system of the present embodiment. When the contents of the payment information DB 13C are updated because the payment amount has been withdrawn from the account of the card member's transaction financial institution, the credit information transmitting device 1 generates withdrawal information including the withdrawal amount as shown in FIG. Then, the withdrawal information is transmitted to the cellular phone 3 of the card member from which the withdrawal was performed (S702). This transmission may be performed via the mobile network N1, or may be performed via a wireless access point provided in the store or in the vicinity thereof. When using a wireless access point, there is an advantage that when the card user is in the store, the withdrawal information can be reliably transmitted to the mobile phone 3 carried by the card user.

  When the mobile phone 3 receives the withdrawal information transmitted from the credit information transmitting apparatus 1 (S801), it updates the usage amount stored in the usage amount field 305 of the card information DB 31A to zero (S802).

  As a result of the above-described withdrawal information transmission / reception process, the card information DB 31A reflects that the payment amount has been withdrawn. Thereby, the content of card information DB31A can be made into the newest state.

  Note that it is possible to execute the debit information transmission / reception process for all credit cards registered in the member information DB 13A at a timing such as once a month. In this case, the credit information transmitting apparatus 1 is temporarily provided. It is conceivable that the load of On the other hand, each time the payment amount is withdrawn from the account of the card member's financial institution, if the above-mentioned debit information transmission / reception processing is performed for the card member's credit card, the debit date may differ depending on the financial institution. Are distributed, and an increase in the load on the credit information transmitting apparatus 1 can be avoided.

(4) Accident Information Transmission / Reception Processing The following accident information transmission / reception processing is repeatedly executed at a timing such as each time the content of the accident information DB 13D is updated in the credit information transmission device 1.
FIG. 10 is a flowchart showing a procedure of accident information transmission / reception processing executed in the credit examination system of the present embodiment. The credit information transmitting device 1 transmits the updated accident information to the mobile phone 3 as shown in FIG. 10 when the content of the accident information DB 13D is updated because the latest accident information is received from the accident information system. (S901). In this case, the accident information is transmitted to the mobile phone 3 related to the updated accident information, that is, the mobile phone 3 associated with the credit card confirmed to be fraudulent or the credit card for which the application for loss has been made. Is done. Note that this transmission may also be performed via the mobile network N1 or via a wireless access point, as in the case of the withdrawal information transmission / reception process described above.

  When the mobile phone 3 receives the accident information transmitted from the credit information transmitting device 1 (S1001), the mobile phone 3 updates the accident code stored in the accident code field 306 of the card information DB 31A based on the received accident information. (S1002).

  As a result of the above accident information transmission / reception process, the latest accident information is reflected in the card information DB 31A. This makes it possible to prevent unauthorized use from being expanded.

  The credit information transmitting device 1 may transmit the accident information not only to the mobile phone 3 but also to each store terminal 4. In this case, in the above (1) credit examination process, the store terminal 4 determines whether or not the credit card related to the credit examination is a card related to the accident based on the accident information received from the credit information transmitting device 1. . As a result, it is possible to confirm whether or not the card is related to an accident in both the mobile phone 3 and the store terminal 4.

  As described above, since the credit screening process can be executed while keeping the contents of the card information DB 31A in the latest state, it is possible to use a credit card settlement regardless of the amount of settlement.

(Other embodiments)
In order to prevent the credit examination from being approved when the content of the card information DB 31A of the mobile phone 3 is not the latest state, the following processing may be performed.
The credit information transmitting device 1 repeatedly transmits specific information (for example, a card ID) to the mobile phone 3 at a predetermined time interval such as once a week. When the mobile phone 3 receives the specific information, the mobile phone 3 stores the reception date and time in the memory 31. In the credit screening process, the mobile phone 3 compares the stored reception date and time with the current date and time and has received the specific information within a certain period (for example, within one week). Determine whether or not. If it is received here, the same process as the above (2) credit examination process is executed, but if it is not received, a transmission request for each information stored in the card information DB 31A to the credit information transmitting apparatus 1 After the contents of the card information DB 31A are updated, the same process as the above (2) credit examination process is executed. Thereby, since the contents of the mobile phone 3 can be surely updated, it is possible to prevent the credit examination from being erroneously approved.

  The credit examination system and the credit examination method of the present invention are useful as a credit examination system and a credit examination method for performing credit examination for credit card settlement using a portable information processing device such as a portable telephone and a store terminal, respectively. The store terminal of the present invention is useful as a store terminal used for credit examination for credit card payment.

1 Credit Information Transmitting Device 10 CPU
11 ROM
12 RAM
DESCRIPTION OF SYMBOLS 13 Hard disk 13A Member information database 13B Merchant information database 13C Settlement information database 13D Accident information database 13E Credit examination program 14 Communication interface 15 Bus 2 Store settlement system 3 Portable telephone 30 Control part 31 Memory 31A Card information database 31B Transaction details information database 31C biological information 33 antenna 34 input unit 35 display 36 audio input unit 37 camera unit 38 IC chip 4 store terminal 41 memory 41A own member store information 42 communication interface 43 input / output interface 44 display 5 reader / writer device C card system N1 mobile network N2 Leased line network

Claims (11)

A portable information processing device carried by a credit card user, a credit card company side card system connected to be communicably connected to the portable information processing device, and a store where the credit card can be used. In a credit screening system that has a store terminal that is communicably connected to the system and performs credit screening for credit card settlement,
The card system is
A credit screening program storage unit for storing a credit screening program for performing credit screening using credit screening information including card information related to a credit card;
A credit screening program transmitting means for transmitting the credit screening program stored in the credit screening program storage unit to the store terminal ;
Card usage status information transmitting means for transmitting card usage status information indicating the usage status of a credit card to the portable information processing apparatus;
The portable information processing apparatus is
A card information storage unit for storing card information;
Card information updating means for updating the card information stored in the card information storage unit based on the card usage status information received from the card system;
Credit check information transmission means for transmitting credit check information including the card information updated by the card information update means to the store terminal when performing credit card payment credit;
The store terminal is
Credit examination processing means for executing credit examination processing for credit card settlement by executing the credit examination program received from the card system using the credit examination information received from the portable information processing device ;
The card system further includes:
Means for repeatedly transmitting specific information to the portable information processing device at a predetermined time interval;
The portable information processing apparatus further includes
If the difference between the date and time of credit card payment credit and the most recent date and time when the specific information is received from the card system is greater than or equal to a predetermined period, a request for sending card usage status information is sent to the card system Comprising means,
The card usage status information transmitting means is configured to transmit card usage status information to the portable information processing apparatus when the transmission request is received by the card system. , Credit screening system. The card system is
Each time a credit card settlement amount is deducted from the account of the user's transaction financial institution, further comprises means for transmitting debit information including the deduction amount to the portable information processing device,
The card information update means is configured to update the card information stored in the card information storage unit based on the withdrawal information received from the card system.
The credit examination system according to claim 1. The store terminal is
When the user enters the store, further comprising a program request transmission means for transmitting a transmission request for the credit examination program to the card system,
The credit review program transmitting means is configured to transmit the credit review program to the store terminal when the card system receives a request for a credit review program from the store terminal.
The credit examination system according to claim 1 or 2. The card system is
A member store information storage unit for storing member store information regarding a member store of a credit card;
A member store information transmitting means for transmitting the member store information stored in the member store information storage unit to the store terminal;
The credit screening processing means is configured to execute the credit screening processing based on member store information received by the store terminal from the card system.
The credit examination system according to any one of claims 1 to 3. The store terminal is
When a user enters the store, further comprising a member store information request transmission means for transmitting a member store information transmission request to the card system,
When the card system receives a request for transmitting member store information from the store terminal, the member store information transmitting means transmits member store information of the store in which the store terminal is provided to the store terminal. Configured to,
The credit examination system according to claim 4.   The card usage status information transmitting unit is configured to transmit the card usage status information to the portable information processing device via a wireless access point provided around the store. Credit screening system described in 1.   The credit examination system according to claim 2, wherein the card usage status information transmitting unit is configured to transmit card usage status information including a payment status of a credit card to the portable information processing apparatus.   The credit examination according to claim 2, wherein the card usage status information transmitting means is configured to transmit card usage status information including card accident information related to a credit card accident to the portable information processing device. system. The portable information processing apparatus is
A biological information storage unit for storing the biological information of the user;
The credit examination information transmitting means is configured to transmit the credit examination information including the biological information stored in the biological information storage unit to the store terminal,
The store terminal is
Further comprising biometric information acquisition means for acquiring biometric information of the user,
The credit examination processing means performs the credit examination processing based on a collation result between the biological information included in the credit examination information received from the portable information processing device and the biological information acquired by the biological information acquisition means. Configured to run,
The credit examination system according to claim 1. A portable information processing device carried by a credit card user, a credit card company side card system connected to be communicably connected to the portable information processing device, and a store where the credit card can be used. In a credit screening method for performing credit screening for credit card settlement using a store terminal that is communicably connected to the system,
The card system is
A credit screening program storage unit for storing a credit screening program for performing credit screening using credit screening information including card information related to a credit card;
A credit screening program transmission step for transmitting the credit screening program stored in the credit screening program storage unit to the store terminal ;
A card usage status information transmitting step for transmitting card usage status information indicating a credit card usage status to the portable information processing device ;
The portable information processing apparatus is
It has a card information storage unit that stores card information related to credit cards,
A card information update step for updating the card information stored in the card information storage unit based on the card usage status information received from the card system;
When performing credit credit card payment, executes a credit evaluation information transmitting step of transmitting a credit evaluation information to the store terminal including a card information said updated by the card information updating step,
The store terminal is
By executing the credit examination program received from the card system using the credit examination information received from the portable information processing device, a credit examination processing step for performing a credit examination process for credit card settlement is executed ,
The card system further includes:
Executing a step of repeatedly transmitting specific information to the portable information processing device at a predetermined time interval;
The portable information processing apparatus further includes
If the difference between the date and time of credit card payment credit and the most recent date and time when the specific information is received from the card system is greater than or equal to a predetermined period, a request for sending card usage status information is sent to the card system Execute the process,
In the card usage status information transmission step, when the transmission request is received by the card system, the card system transmits the card usage status information to the portable information processing device . Credit screening method. The card system is
Each time a credit card settlement amount is deducted from an account of the user's transaction financial institution, a step of transmitting debit information including the deduction amount to the portable information processing device is further executed.
The portable information processing apparatus updates the card information stored in the card information storage unit based on the withdrawal information received from the card system in the card information update step.
The credit examination method according to claim 10.

Images