JP6154971B1 - Credit card usage notification system - Google Patents

Abstract

A credit card usage notification system is provided. A communication unit configured to receive a sales information message from a POS computer, wherein the sales information message is a settlement request message for the approval of the user's use of a credit card via the POS computer. Yes, including a user identification number and payment amount, a communication unit, a data storage unit configured to store user data including information related to credit card users, and usage included in the received sales information message Control configured to acquire user data from the data storage unit based on the person identification number and generate a sales notification message based on the settlement amount included in the received sales information message and the acquired user data The communication unit is further configured to transmit the generated sales notification message to the client computer. [Selection] Figure 3

Description

  The present invention relates to a credit card usage notification system, and more particularly, to a credit card usage notification system that notifies a user of information related to the usage when performing transactions such as buying and selling using a credit card.

  Payments using credit cards are in widespread use. In particular, the use of online payment through the Internet or the like is becoming widespread, and credit cards are further used as the payment means.

  When a credit card is used, an authorization process for using the credit card is executed by reading a magnetic stripe attached to the credit card. Authorization processing means that a credit card member store confirms a user's credit with a credit card service provider.

  For example, when a credit card is used at a credit card member store, an authorization system owned by the credit card service provider and a POS (Point Of sales) computer or a CAT (Credit Authorization Terminal) terminal installed at the member store The authorization process is executed by exchanging information between the two.

  Specifically, the POS computer that has read the magnetic stripe attached to the credit card sends an authorization request message including the card number encoded in the magnetic stripe and the input payment amount to the authorization system. Performs a check on the credit limit associated with the card number. As a result, an authorization / non-approval message for card use is transmitted from the authorization system to the POS computer.

  The authorization process described above is the same for online payment. In online payment, instead of a POS computer, an authorization generated by a computer of an online payment company based on card information and a payment amount received from a user's computer device. A request message is sent to the authorization system. Such processing prevents unauthorized use of credit cards.

  When credit card usage is approved through the authorization process described above, a sales information message including the card number, member store identification number, payment amount, etc. is sent from the POS computer to the sales system owned by the credit card service provider. Sent. In the sales system, the sales information is stored, and the user's usage details for each month are notified to the user at a timing such as monthly (for example, the WEB site provided by the sales system is accessed through the user's computer device). Or by mailing paper forms output by the sales system). By notifying the user of the usage details in this way, unauthorized use of the credit card can be detected afterwards.

Japanese Patent No. 5148161

  Needless to say, the authorization process described above cannot completely prevent unauthorized use of a credit card. Although it has been described above that unauthorized use of a credit card can be detected afterward by notifying the user of the usage details, the timing for making this notification is not immediately performed after the credit card is used. . Along with this, the timing for detecting unauthorized use is also delayed.

  Patent Document 1 discloses a card use notification system that notifies breaking information including a usage approval amount both when the use of a credit card is approved and when the use of a credit card is not approved. . In the card use notification system according to Patent Document 1, since the bulletin information is notified at the timing of authorization when the credit card is used, it is possible to solve the problem that the timing for detecting unauthorized use as described above is delayed.

  However, in the card use notification system according to Patent Document 1, the bulletin information is notified even when the use of the credit card is not approved, but if the use is not approved, the credit card cannot be used. The need for notification is low, and it may be troublesome to notify even in such a case. In particular, although it is expected that there are users who wish to notify breaking information only through non-face-to-face transactions such as online payment, the card usage notification system according to Patent Document 1 considers face-to-face transactions and non-face-to-face transactions. Without having to do so, you will be notified of breaking information in the use of both transactions.

  Further, the card use notification system according to Patent Document 1 determines whether or not to approve the use based on whether or not the credit card can be used (validity, available amount, etc.). Is performed when it is determined that is available. Therefore, it cannot be said that the card use notification system according to Patent Document 1 can sufficiently prevent unauthorized use.

  Furthermore, the card use notification system according to Patent Document 1 notifies the bulletin information by determining whether or not the credit card can be used. However, in this mechanism, when the authorization process by the authorization system described above is not executed, , Can not notify the bulletin information.

  The present invention has been made in view of such problems, and an object of the present invention is to provide a credit card use notification system that notifies information related to the use of a credit card only when the user needs it.

  In order to solve the above problems, a credit card usage notification system according to the present invention is a credit card usage notification system connected to a client computer or a POS computer, and receives a sales information message from the POS computer. A communication unit configured, wherein the sales information message is a payment request message for the approval of the user's use of a credit card via the POS computer, and includes a user identification number and a payment amount A data storage unit configured to store user data including information relating to a credit card user, and the data storage unit based on the user identification number included in the received sales information message The user data is acquired from and included in the received sales information message And a control unit configured to generate a sales notification message based on the payment amount and the acquired user data, and the communication unit transmits the generated sales notification message to the client computer. It is further configured to.

  According to the credit card utilization notification system according to the present invention, it is possible to notify the user of information related to the use of the credit card accurately and accurately while eliminating the troublesomeness of the user.

It is a figure which shows the example of a structure of the whole computer system which comprises the credit card utilization notification system which concerns on this invention. It is a figure which shows the example of a detailed structure of the computer device which comprises the credit card utilization notification system which concerns on this invention. It is a flowchart which shows the example of the process which the credit card utilization notification system concerning this invention performs. It is a figure which shows the example of the use notification setting information registration screen which concerns on one Embodiment of this invention. It is a figure which shows the example of the user data table which concerns on one Embodiment of this invention. It is a figure which shows the example of the member store data table which concerns on one Embodiment of this invention. It is a figure which shows the example of the utilization log | history data table which concerns on one Embodiment of this invention. It is a figure which shows the example of the use notification mail which concerns on one Embodiment of this invention. It is a figure which shows the example of the hold cancellation | release screen which concerns on one Embodiment of this invention. It is a figure which shows the example of the sales notification mail which concerns on one Embodiment of this invention.

  Hereinafter, a credit card utilization notification system according to the present invention will be described in detail with reference to the accompanying drawings. FIG. 1 shows an example of the overall configuration of a computer system constituting a credit card usage notification system according to an embodiment of the present invention.

  The credit card usage notification system according to the present embodiment includes an authorization server 1, a sales server 2, a POS computer 3, and a client computer 4, which are connected to each other via a network 5 including a public line such as the Internet. ing.

  The authorization server 1 is installed under a provider (hereinafter, “service provider”) that provides a service (hereinafter, “credit card usage notification service”) according to the credit card usage notification system according to the present invention. It is a computer device. The authorization server 1 executes an authorization process for using a credit card in response to an authorization request message transmitted from the POS computer 3. As a result of the authorization process, when it is determined that the credit card is approved / held, the authorization server 1 sends the authorization process result to the POS computer 3 and sends a usage notification message to the client computer 4. When the POS computer 3 is an EC site operator computer, an authorization request is generated based on the card information transmitted from the client computer 4, and the generated authorization request is transmitted to the authorization server 1. The result of the authorization process is presented to the client computer 4 through the POS computer 3 that is the computer of the EC site operator, and a usage notification message is transmitted to the client computer 4.

  The sales server 2 is a computer device installed under the service provider. The sales server 2 transmits a sales notification message to the client computer 4 at a predetermined timing in accordance with the sales information message transmitted from the POS computer 3.

  In the present embodiment, the authorization server 1 and the sales server 2 are implemented as separate computer devices, but the two may be implemented as one or a plurality of computer devices and execute both functions. The authorization server 1 and the sales server 2 exchange data and control information. The exchange of the data and the like may be performed through a separate dedicated line (not shown) different from the network 5.

  The POS computer 3 is a cash register device installed in a member store affiliated with a service provider. The POS computer 3 transmits an authorization request message including the card number and the payment amount acquired by reading the magnetic stripe attached to the credit card to the authorization server 1. The POS computer 3 also transmits a sales information message including the card number, member store identification number, payment amount, etc. to the sales server 2.

  The client computer 4 is a computer device held by a user who uses a credit card issued by a service provider and receives a credit card use notification service. Further, when using a credit card for online payment or the like, the client computer 4 transmits card information to the POS computer 3 which is the computer of the EC site operator, and the POS computer 3 transmits an authorization request message to the authorization server 1. . The user inputs predetermined information through an input / output interface or the like displayed on the display unit of the client computer 4 to register and update his / her user information stored in the authorization server 1 and the sales server 2. Further, the client computer 4 receives a usage notification message and displays a usage notification mail corresponding to the usage notification message on the input / output interface.

  The client computer 4 is an arbitrary computer device having a communication function, such as a portable computer device such as a mobile phone, a tablet computer and a PDA (Personal Digital Assistance), and a personal computer such as a laptop computer and a desktop computer. May be included.

  Next, an example of a detailed configuration of a computer device constituting the credit card use notification system according to the present invention will be described with reference to FIG.

  As shown in FIG. 2, the authorization server 1 includes a communication unit 11, a control unit 12, a main storage unit 13, and an auxiliary storage unit 14, and these elements are coupled via a system bus.

  The communication unit 11 is a communication interface that transmits / receives control information, data, and the like to / from the sales server 2, the POS computer 3, and the client computer 4 connected via the network 5.

  The control unit 12, also called a central processing unit (CPU), reads the program stored in the auxiliary storage unit 14 to the main storage unit 13 and executes it, thereby controlling each of the above components and calculating data. Run. That is, the control unit 12 is a main component that executes part of the processing executed by the credit card use notification system according to the present invention.

  The main storage unit 13 is also referred to as a main memory, and is a storage area that is directly read from the control unit 12. The main storage unit 13 temporarily stores a program stored in the auxiliary storage unit 14.

  The auxiliary storage unit 14 is a storage device typified by a hard disk (HDD) and stores the above-described program. The authorization server 1 is implemented with a DBMS (Database Management System), and the auxiliary storage unit 14 stores a database table 14a such as a user data table to be described later.

  The sales server 2 includes a communication unit 21, a control unit 22, a main storage unit 23, and an auxiliary storage unit 24, and these elements are coupled via a system bus. The communication unit 21, the control unit 22, the main storage unit 23, and the auxiliary storage unit 24 are the same as the communication unit 11, the control unit 12, the main storage unit 13, and the auxiliary storage unit 14 that constitute the authorization server 1. Detailed description thereof will be omitted.

  The POS computer 3 includes a communication unit 31, a control unit 32, a main storage unit 33, an auxiliary storage unit 34, and an I / O interface 35, and these components are coupled via a system bus. The POS computer 3 also includes a reader 36 connected via an I / O interface 35. The communication unit 31, the control unit 32, the main storage unit 33, and the auxiliary storage unit 34 are the same as the communication unit 11, the control unit 12, the main storage unit 13, and the auxiliary storage unit 14 that constitute the authorization server 1, respectively. Detailed description thereof will be omitted. The auxiliary storage unit 34 stores a member store identification number for identifying each member store.

  The I / O interface 35 is an interface for connecting peripheral devices such as a reader 36 according to a standard such as USB, and transmits / receives data to / from these peripheral devices.

  The reader 36 includes a magnetic card reader that reads a magnetic stripe attached to a credit card held by a user and passes an encoded card number or the like to the control unit 32. Further, the reader 36 includes an IC chip reader that reads the IC chip and passes the card number and the like stored in the IC chip to the control unit 32 when the IC card is attached to the credit card held by the user. .

  The client computer 4 includes a communication unit 41, a control unit 42, a main storage unit 43, an auxiliary storage unit 44, and a display unit 45, and these components are coupled via a system bus. The communication unit 41, the control unit 42, the main storage unit 43, and the auxiliary storage unit 44 are the same as the communication unit 11, the control unit 12, the main storage unit 13, and the auxiliary storage unit 14 that constitute the authorization server 1, respectively. Detailed description thereof will be omitted.

  The display unit 45 is a display screen that displays an input / output interface displayed by downloading a WEB page from the authorization server 1 and / or the sales server 2 or when the control unit 42 executes a predetermined program.

  Next, an example of processing executed by the credit card usage notification system according to the embodiment of the present invention will be described with reference to the flowchart of FIG. In this embodiment, an example in which a user uses a credit card at a member store will be described.

  First, as a premise of the processing described in FIG. 3, the user registers the usage notification setting information through the usage notification setting information registration screen displayed on the display unit 45 of the client computer 4 owned by the user. To do. FIG. 4 shows an example of the usage notification setting information registration screen 400.

  As shown in FIG. 4, the usage notification setting information registration screen 400 includes a card usage notification presence / absence selection radio button 401, a notification target transaction selection radio button 402, and a notification target amount input box 403.

  The card use notification presence / absence selection radio button 401 is a radio button for selecting whether or not to receive a notification mail indicating that the card has been used when the user uses the credit card. Only users who have selected “Receive” with the card usage notification presence / absence selection radio button 401 are subject to processing by the credit card usage notification system according to the present embodiment.

  The notification target transaction selection radio button 402 receives a notification e-mail for all transactions when the user uses a credit card, or a non-face-to-face transaction (such as online payment, does not go through the POS computer 3 by a store clerk at a member store. This is a radio button for selecting whether to receive a notification mail only for (transaction). Moreover, in other embodiment of this invention, it is also possible to choose to receive notification mail only about face-to-face transaction. By receiving the notification mail, the user can quickly grasp that the credit card has been used.

  A notification target amount input box 403 is an input box for designating an upper limit amount of a payment amount using a credit card by a user, which is a condition for receiving a notification mail. For example, when 10000 yen is input in the upper column “once” of the notification target amount input box 403, a notification mail is received when the settlement amount in one transaction is 10000 yen or more. When 50000 yen is input in the lower column “1 month” of the notification target amount input box 403, a notification mail is received when the total settlement amount of transactions for one month is 50000 yen or more.

  When the above-described information is input on the usage notification setting information registration screen 400, the communication unit of the client computer 4 receives a usage notification setting information message (including information such as a card number and a monthly limit) including the input information. Send to the authorization server 1. The transmitted usage notification setting information message may be shared by the authorization server 1 and the sales server 2.

  When the communication unit 11 of the authorization server 1 receives the usage notification setting information message, the control unit 12 displays the target record of the user data table 500 stored in the auxiliary storage unit 14 based on the received usage notification setting information message. Update. The user data table 500 is also stored in the auxiliary storage unit 24 of the sales server 2 in the same manner. An example of the user data table 500 is shown in FIG.

  As shown in FIG. 5, the user data table 500 includes data items “card number”, “name”, “monthly limit amount”, “cumulative usage amount”, “notification presence / absence”, “notification transaction”, “notification”. “Target amount 1”, “Notification amount 2”, “Status”, and “Mail address” are included. In the data items “card number”, “name”, “monthly limit” and “email address”, the number assigned when the user joins the credit card / registered information is set.

  In the data items “notification presence / absence”, “notification target transaction”, “notification target amount 1” and “notification target amount 2”, information included in the usage notification setting information message is set. 1: “Receive”, “Notification Target Transaction” is “1: All Transactions”, “Notification Target Amount 1” is “10000 (upper settlement amount per transaction)” and “Notification Target Amount 2” is “ “50000 (the upper limit of the settlement amount per month)” is set.

  The data item “cumulative usage amount” is set to the total settlement amount of transactions in which the corresponding user uses a credit card every month. That is, for each month, the value of this data item is added each time a credit card is used.

  In the data item “state”, a value indicating a valid / invalid state of the corresponding credit card is set. For example, “1: valid” is set. For example, “2: Invalid” is set in the “state”, for example, when the user loses the credit card and reports the card use suspension.

  In addition, a member store data table 600 shown in FIG. 6 is stored in the auxiliary storage unit 14 of the authorization server 1. The member store data table 600 is a database table that stores information on all member stores that are affiliated with the service provider, and is an industry code (for example, a value indicating the type of member store such as a bookstore, convenience store, or precious metal store). And information such as an address.

  Further, a usage history data table 700 shown in FIG. 7 is stored in the auxiliary storage unit 14 of the authorization server 1. The usage history data table 700 is a database table that stores information related to a user's past usage history, and is used to determine whether a credit card, which will be described later, is fraudulent.

  As shown in FIG. 7, the usage history data table 700 includes data items “user number”, “average settlement amount”, “maximum settlement amount”, “use prefectures (all prefectures such as Hokkaido and Aomori)”, and “ Includes “use industry”.

  The data items “Average settlement amount” and “Maximum settlement amount” are the average settlement amount and the maximum settlement amount for transactions in which the corresponding user uses a credit card. These values are updated each time a credit card is used. Is done.

  The data item “prefecture used” represents the frequency of use for each prefecture to which the member store where the user used a credit card belongs. For example, each time a user uses a credit card at a member store, 1 is added to the item of the prefecture to which the address of the member store belongs (reference is made based on the data item “address” in the member store data table 600). .

  The data item “use industry” represents the use frequency for each industry to which a member store using a credit card by a user belongs. For example, whenever a user uses a credit card at a member store, 1 is added to the item of the industry to which the member store belongs (reference is made based on the data item “industry number” of the member store data table 600). This “use industry” may manage the frequency of use for all pre-defined industries, or a specific industry (for example, precious metal stores tend to be statistically expensive payments or fraudulent use) The frequency of use may be managed only for easy industries).

  In this embodiment, the usage history data table 700 has a data record for each user, but may have a data record for each user and for each year / month.

  In this state, when the user uses the credit card at the member store, the magnetic stripe attached to the credit card is read by the reader 36 of the POS computer 3 and the settlement amount is input to the POS computer 3. Then, the card number and payment amount encoded in the magnetic stripe are acquired by the control unit 32 (step S301). Next, the control unit 32 generates an authorization request message including the card number, the payment amount, and the member store identification number stored in the auxiliary storage unit 34, and the communication unit 31 transmits the authorization request message to the authorization server 1 ( Step S302).

  When the communication unit 11 of the authorization server 1 receives the authorization request message, the control unit 12 acquires the corresponding user data record from the user data table 500 based on the card number included in the authorization request message (step S303). ).

  Next, based on the payment amount included in the authorization request message received in step S303 and the data items “monthly limit amount” and “state” included in the user data record acquired in step S303, the control unit 12 The validity of the credit card is determined (step S304).

  Here, in the validity determination in this step, the data item “status” included in the user data record acquired in step S303 is “1: valid”, and the settlement amount included in the authorization request message is the data item. It is determined whether the amount within the “monthly limit amount” and the sum of the settlement amount and the value set in the data item “cumulative usage amount” is within the monthly limit amount. If all the conditions are satisfied as a result of the determination, the credit card is determined to be “valid”. On the other hand, if any one of the conditions is not satisfied, the use of the credit card is determined as “non-approved”. In this embodiment, the validity of the credit card is determined based on whether or not the above-described conditions are satisfied. However, this condition is merely an example, and even if the validity is determined based on various criteria. Good.

  If the use of the credit card is determined as “non-approved” in the validity determination in step S304 (No in step S305), a non-approval message indicating that the card use is non-approved is transmitted to the POS computer 3. (Step S306), the process is terminated. On the other hand, when it is determined that the credit card is “valid” (Yes in Step S305), the control unit 12 determines the member store data table 600 based on the member store identification number included in the authorization request message received in Step S303. The corresponding member store data record is acquired from (step S307).

  Next, the control unit 12 acquires a corresponding usage history data record from the usage history data table 700 based on the card number included in the authorization request message received in step S303 (step S308).

  Next, the control unit 12 receives the payment amount included in the authorization request message received in step S303, the data items “address” and “business type number” included in the member store data record acquired in step S307, and acquired in step S308. Based on the data items included in the usage history data table 700, it is determined whether or not the credit card is illegally used in accordance with the criteria shown in Table 1 (step S309). Note that the determination criteria shown in Table 1 are merely examples, and various conditions for determining unauthorized use of a card can be set.

  In conditions 1 and 2, it is determined whether or not the settlement amount of the transaction using the corresponding credit card exceeds a certain amount or more compared to the past average settlement amount / maximum settlement amount. This is because, in the case of statistically high-payment that does not exist in the past usage history, there is a possibility of unauthorized use.

  In condition 3, it is determined whether or not the type of business to which the member store using the corresponding credit card belongs is a type of business that has hardly been used at all in the past. This is because, statistically, there is a possibility of fraudulent use when using a credit card at a member store belonging to an industry that does not exist in the past usage history (for example, high prices such as jewelry stores) Used at a merchant that belongs to a jewelry store even though it has never been used at a merchant that belongs to an industry that tends to settle.)

  In condition 4, it is determined whether or not the prefecture where the member store using the corresponding credit card is located is a prefecture that has hardly been used at all in the past. This is because statistically there is a possibility of fraudulent use when using a credit card at a member store located in a prefecture that does not exist in the past usage history (for example, in Okinawa Prefecture) When used at a franchise located in Okinawa Prefecture, even though it has never been used at a franchise in the past). In another embodiment of the present invention, after a card is used for face-to-face use in a certain prefecture, the card is also used illegally when there is a card use for face-to-face use in another prefecture far away. It is also possible to judge.

  When any one of the conditions 1 to 4 shown in Table 1 or any combination is satisfied, the use of the credit card is determined as “illegal use”. On the other hand, when none of the conditions 1 to 4 is satisfied, the use of the credit card is determined as “normal use”. This unauthorized use determination condition is merely exemplary, and may be determined based on various conditions that may be unauthorized use from past statistics.

  If it is determined as “normal use” in the determination of unauthorized use in step S309 (Yes in step S310), the use of the credit card is determined as “approval” (step S311).

  On the other hand, when it is determined that the use of the credit card is “illegal use” (No in step S310), the use of the credit card is determined to be “hold” (step S312). In this case, the communication unit 11 of the authorization server 1 transmits a pending message to the POS computer 3 (step S313). In this case, the process proceeds to step S316.

  Further, the control unit 12 generates pending state data (not shown) including at least a card number, a settlement amount, and a business type number (or a prefecture), and stores it in the auxiliary storage unit 14. This hold state data is data indicating that the hold state is managed every time the credit card is used, and may be a database table or a data file.

  If it is determined that the use of the credit card is “pending”, the credit card number is the same as the card number included in the hold status data, and the payment amount is the same as the payment amount or a payment amount within a certain range. If the credit card is used later at a member store that exists and belongs to the same or similar business number, it is similarly determined to be fraudulent.

  If it is determined that the credit card usage is “approved” in step S311, the communication unit 11 of the authorization server 1 determines that the credit card usage is determined to be “approved” in step S311. An approval message indicating approval is transmitted to the POS computer 3 (step S314).

  Upon receiving the approval message, the control unit 32 of the POS computer 3 sells the sales information message including the card number acquired in step S301, the payment amount, the member store identification number stored in the auxiliary storage unit 34, and the number of payments. It transmits to the server 2 (step S315). Through this process, the sales server 2 records the sales information of the transaction using the credit card by the user and manages it as the usage details of the user. Note that this sales information recording is the same as that performed by a system provided by a conventional provider of a credit card service, and therefore detailed description thereof is omitted in this specification.

  Next, the control unit 12 generates a usage notification message including the items shown in Table 2, and the communication unit 11 uses the destination indicated by the data item “mail address” included in the user data record acquired in step S303. The data is transmitted to a certain client computer 4 (step S316).

  The usage notification message in step S316 is transmitted according to the usage notification setting information input on the usage notification setting information registration screen 400. For example, when “2: only non-face-to-face transaction” is set in the data item “notification target transaction” included in the user data record acquired in step S303, non-face-to-face transaction (online payment, A usage notification message is sent only when usage is not eligible. When “10000” is set in “notification target amount 1”, a usage notification message is transmitted only when the settlement amount is 10,000 yen or more. When “50000” is set in “notification target amount 2”, a usage notification message is transmitted only when the total settlement amount for the corresponding month is 50000 yen or more.

  The authorization request message conforms to, for example, the standard of electronic messages related to financial transactions such as ISO 8583. For example, whether the credit card usage of the user is a non-face-to-face transaction by “POS input mode” defined by ISO 8583, for example. It can be determined whether or not. The same applies to a sales information message to be described later.

  When the usage notification message is transmitted to the client computer 4 in step S315, the control unit 42 of the client computer activates the mailer, whereby the usage notification mail shown in FIG. In one embodiment of the present invention, it is possible to use an application that can receive a message in addition to the mailer.

  When it is determined that the use of the credit card is “normal use”, the settlement amount of the transaction using the credit card by the user is displayed as the card usage bulletin (use notification mail 801 shown in FIG. 8A). . When it is determined that the use of the credit card is “illegal use”, a message indicating that the user is in the settlement amount of the transaction using the credit card and the hold state is displayed as the card hold notification (FIG. 8 ( Use notification mail 802) shown in b).

  Note that when the identity of the user is confirmed in the hold status, the above-mentioned hold status data is deleted, and the same credit card number as the card number included in the hold status data is the same as the payment amount or within a certain range thereof. And later use of credit cards at member stores belonging to the same or similar industry number is approved. In another embodiment of the present invention, the pending state data may be invalidated by setting a value in a flag without being deleted.

  Specifically, the user uses his / her client computer 4 to access the URL site shown in FIG. 8B (at the time of this access, the card number (or assigned to each user). Authentication is performed by entering the user number and password. When accessed, a hold release screen 900 shown in FIG. 9 is displayed on the display unit of the client computer 4. In this state, when the user presses the hold release button 901, the communication unit 41 of the client computer 4 transmits a hold release message (including the card number and the payment amount) to the authorization server 1, and the authorization server 1 holds it. State data is deleted.

  As described above, by placing the credit card on hold, it is possible to more effectively prevent unauthorized use and to easily release the hold from the hold release screen 900 through predetermined authentication (that is, identity verification). .

  Next, in step S317, when the communication unit 21 of the sales server 2 receives the sales information message transmitted in step S314, the control unit 22 determines the user data table 500 based on the card number included in the sales information message. Get the corresponding user data record from.

  Next, based on the information such as the payment amount included in the sales information received in step S317 and the information such as the accumulated usage amount included in the user data record acquired in step S317, the control unit 22 receives a sales notification message. Is transmitted to the client computer 4 that is the destination indicated by the data item “mail address” included in the user data record acquired in step S317 (step S318).

  The sales notification message in step S318 includes a member number, a user name, a use date and time, a payment amount, a cumulative use amount, a use member store name, a payment method, a payment date, and the like. The transmission condition is transmitted in accordance with the usage notification setting information input on the usage notification setting information registration screen 400 as in the above-described usage notification message.

  When a sales notification message is transmitted to the client computer 4 in step S318, the sales notification mail 1000 shown in FIG. 10 is displayed on the display unit 45 when the control unit 42 of the client computer starts the mailer. In one embodiment of the present invention, it is possible to use an application that can receive a message in addition to the mailer.

  As mentioned above, the example of the process which the credit card utilization notification system concerning this embodiment performs was demonstrated. According to the credit card usage notification system according to the present invention, sales information is communicated in response to the approval of credit card use in the authorization process and in the case of a pending state, and in response to the notification of approval in the authorization process. In such a case, the card usage notification is issued, so that only the information necessary for the user is notified so that it is possible to appropriately grasp the unauthorized use.

  In addition, according to the credit card utilization notification system according to the present invention, when the amount of money for each transaction is input in the notification target amount input box 403, the amount information of each transaction is communicated and the amount condition is set. A notification is made when it is satisfied, and a notification is made when the amount of authorization (approval) / sales for one month exceeds the total settlement amount of transactions for one month entered in the notification target amount input box 403 Is done.

  In addition, regarding the hold status, not only the validity of the card but also the use that may be unauthorized use is determined and the fact is notified to the user, so that the unauthorized use can be grasped more appropriately. be able to.

  In addition, the fact that the monthly usage amount exceeds the upper limit due to the use of the credit card is notified to the user, so that the user is notified that the credit card has been used excessively in the corresponding month. Can do.

  In this embodiment, an example in which a user uses a credit card at a member store has been described. However, the present embodiment also includes use in online payment (that is, non-face-to-face transaction) without using a member store. In this case, instead of the POS computer 3 installed in the member store, an authorization request message and a sales information message are transmitted to the authorization server 1 and the sales server 2 from the POS computer 3 of the merchant operating online payment, respectively.

  The execution order of the processes described above is merely an example, and may be executed in an order different from the order described. Further, the above-described attribute determination rules for input items are not limited to those described above, and various attribute extraction rules may be used according to the attributes of the input items.

1 Authorization Server 2 Sales Server 3 POS Computer 4 Client Computer 5 Network
400 Usage notification setting information registration screen 401 Card usage notification presence / absence selection radio button 402 Notification target transaction selection radio button 403 Notification target amount input box 500 User data table 600 Merchant data table 700 Usage history data table 801 Usage notification email 802 Usage notification Mail 900 Hold release screen 1000 Sales notification mail

Claims (4)

A credit card usage notification system connected to a client computer and a POS computer,
A communication unit configured to receive a sales information message from the POS computer, wherein the sales information message is a payment request message for the approval of the user's credit card usage via the POS computer. The communication department, including the user identification number and payment amount;
A data storage unit configured to store user data including information on the user, including a total payment amount for a predetermined period of credit card use by a credit card user and a notification target upper limit ;
Based on the user identification number included in the received sales information message, obtain the user data from the data storage unit,
Determining whether an amount obtained by adding the settlement amount included in the received sales information message to the total settlement amount is equal to or greater than the notification target amount upper limit;
A control unit configured to generate a sales notification message based on the payment amount included in the received sales information message and the acquired user data; and
The communication unit is further configured to transmit the generated sales notification message to the client computer in response to determining that the added amount is equal to or greater than the notification target amount upper limit. Feature system. A credit card usage notification method executed by a computer device connected to a client computer and / or a POS computer, the computer device comprising: a total payment amount for a predetermined period of credit card usage by a credit card user; Including a data storage unit that stores user data including information about the user, including a notification target upper limit ,
Receiving a sales information message from the POS computer, wherein the sales information message is a settlement request message for the approval of the user's credit card usage via the POS computer, and a user identification number and Including the payment amount,
Acquiring the user data from the data storage unit based on the user identification number included in the received sales information message;
Determining whether the amount obtained by adding the settlement amount included in the received sales information message to the total settlement amount is equal to or greater than the notification target amount upper limit;
Generating a sales notification message based on the payment amount included in the received sales information message and the acquired user data;
And a step of transmitting the generated sales notification message to the client computer in response to determining that the added amount is equal to or greater than the notification target amount upper limit . A program causing a computer to execute the method according to claim 2 . A computer readable storage medium having recorded thereon the program according to claim 3 .

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