JP6219486B2 - Credit card company system for helping others with credit card shopping - Google Patents

Description

  The present invention relates to a credit card company system for helping others to shop with a credit card.

  In recent years, with the spread of credit cards and various membership cards, various services for supporting shopping using cards have been provided. Many of these are services that provide users with benefits such as discounts according to the card usage amount, but make more detailed services and card usage more convenient. There is also a service for this. For example, in Patent Document 1, in accordance with an instruction from a credit card member, the education fee corresponding to the point provided to the member is returned to the partner designated by the member by partially paying the school fee, etc. An educational expense support processing method is disclosed. Further, Patent Document 2 discloses a split settlement system in which split settlement is possible using electronic money when the total price of purchased merchandise is settled between each person in the group.

JP 2005-108168 A JP 2008-107874 A

  The method of the above-mentioned patent document 1 uses the points obtained with the credit card to assist others other than yourself, but it is not possible to assist until the points are collected, so assistance is required. There is a problem that it is not always possible to provide assistance to the right person at the necessary timing. If the supporter (parent, grandparent, etc.) wants financial assistance or partial assistance for the specific expenditure of the recipient (children, grandchildren, relatives, friends, etc.), cash remittance or bank transfer It is convenient if credit cards and electronic money can be used, but even if the split settlement system as in Patent Document 2 is to be applied, the helper must bring the card to the place where the recipient is shopping and be present. In other words, the usage scene is limited. Also, the aid recipients are often asked to ask for assistance when they are present. Also, asking for help in advance seems to be asking, it makes me feel uncomfortable.

  Therefore, in the present invention, in view of the above-mentioned problems, it is possible to provide a credit card assistance support system that is easy to use for the assisting side and does not require any care or concern for the assisting side, that is, the recipient. Provide a credit card assistance system that can receive assistance from pre-registered assistants even if they are not on the spot when they try to shop using their credit cards For the purpose.

  In order to solve the above problems, the credit card company system of the present invention provides the following solution.

  (1) A credit card company system that allows another member to assist a member when shopping with his / her own credit card, and identifying the member's card from the member's terminal serving as the assistant A support registration receiving unit that receives support information including a number, a card identification number of a member who is a support recipient, and support conditions, and stores the support information in a support information DB; An assistance condition determination unit that determines whether or not shopping of the item satisfies the assistance condition, and a product purchased by the recipient with his / her credit card when the assistance condition determination unit determines that the assistance condition is satisfied, or An authentication unit that authenticates that a part or all of the service fee is charged to the credit card of the assistant.

  According to the above configuration, the support person registers in advance the support condition that defines the card identification number of the support person who wants to support and the supportable condition in the system of his / her credit card company. When the recipient uses his / her credit card to make a purchase, a card authentication request is sent from the merchant's system to the credit card company's system, and the recipient's purchase is If it is determined whether the assistance condition is satisfied, and if it is determined that the assistance condition is satisfied, a part or all of the payment of the purchase price is authenticated by the credit card of the assistant and charged. By doing so, it is possible to assist in the price of goods or services (products, etc.) purchased by the recipient, even if the assistant does not come to the shopping place.

  (2) In the configuration of (1) above, the assistance condition includes at least one of an assistance limit, an assistance target period, an assistance target product or service, and an assistance target store predetermined by the assistant. Features.

  According to the above configuration, the assistance conditions predetermined by the assistant can specify not only the assistance limit amount but also the assistance target period, the assistance target product or service, and the assistance target store. You can specify the details of assistance according to the purpose you want. In addition, misuse of persons other than the recipient can be prevented.

  (3) In the configuration of (1) or (2) above, when there are a plurality of supporters for one supportee, the burden ratio of the plurality of supporters to the purchase price is calculated. It is characterized by comprising means for making a helper decide.

  According to the above configuration, when there are multiple aids and there are multiple requests for assistance for a certain purchase at the same time, the recipient is given a burden ratio that is the ratio of the product price that each assistant bears. Can be specified. Therefore, regardless of the assistance limit designated by the assistant, the recipient can receive assistance that seems to be most appropriate in consideration of the price of the assistant or the purchased goods.

  (4) In the configuration of (1) or (2) above, when there are a plurality of supporters for a single recipient, the purchase price is added to the support amounts of the supporters And means for allowing the recipient to determine whether or not to settle.

  According to the above configuration, when there are multiple aids and there are multiple requests for assistance for a certain purchase at the same time, the sums of the aids of multiple aids can be added together to pay for goods, etc. Can do. Therefore, it is possible to purchase higher-priced products and the like as compared to the case of a single assistant.

  (5) The configuration according to any one of the above (1) to (4), further comprising means for selecting whether or not the aid recipient accepts the offer of assistance from the helper.

  According to the above-described configuration, the recipient can select whether to receive a request for assistance from the helper or to refrain.

  (6) In the configuration of (5), the aid recipient includes means for registering the aid when the aid is offered from the aid.

  According to the above configuration, when the recipient knows the request for assistance from the first donor, whether or not they receive assistance, registering the aid will give a later thanks or return. Etc. can be used. In return, the person who received the assistance can also make himself an assistant and register the person who requested the assistance as the recipient.

  (7) In the configuration of the above (5) or (6), the assistance information includes a message from the assistant to the recipient, and the message is sent to the recipient when the aid is offered from the assistant. A means for notifying an assistant is provided.

  According to the above configuration, the helper can transmit some message when the helpee knows his / her help offer.

  (8) In the configuration of the above (7), the aid recipient has a means for inputting a reply message to the aid message.

  According to the above configuration, the recipient can reply to the message from the helper. In this way, we can convey gratitude to donors.

(9) A program that allows another member to assist a member of a credit card when shopping with his / her own credit card, and the card identification number of the member from the terminal of the member serving as the assistant Receiving assistance information including the card identification number of the member who will be a recipient and assistance conditions, and storing the assistance information in the assistance information DB; referring to the assistance information DB; A support condition determination step for determining whether or not shopping satisfies the support condition, and a product purchased by the recipient with his / her credit card when the support condition determination step determines that the support condition is satisfied, or A computer is caused to execute an authentication step of authenticating that a part or all of the service fee is charged to the credit card of the assistant.

  The configuration (9) described above regards the invention of the system (1) as the invention of the program, and has the same effects as (1).

  According to the present invention, it is possible to provide a credit card company system that is easy to use and effective for the assisting side, and that does not require asking or concern for the assisting side. In other words, when a recipient tries to shop using his / her credit card, the credit card company can receive assistance from the assistant who has been offered in advance, even if the assistant is not there. A system can be provided.

It is a figure which shows the system configuration | structure and functional block of the credit card assistance assistance system which concern on 1st embodiment of this invention. It is a figure which shows the specific example of the data stored in member information DB and assistance information DB. It is a figure which shows the payment processing flow in 1st embodiment. It is a figure which shows the system configuration | structure and functional block of the credit card assistance assistance system which concern on 2nd embodiment of this invention. It is a figure which shows the payment process flow in 2nd embodiment. It is a figure which shows the system configuration | structure and functional block of a credit card assistance support system which concern on 3rd embodiment of this invention. It is a figure which shows the payment processing flow in 3rd embodiment. It is a figure which shows an example of the assistance offer notification screen for notifying a recipient. It is a figure which shows another example of the assistance offer notification screen for notifying a recipient. It is a figure which shows another example of the assistance offer notification screen for notifying a recipient. It is a figure which shows an example of the assistance result notification notified to a supporter.

  DESCRIPTION OF EMBODIMENTS Hereinafter, embodiments for carrying out the present invention (hereinafter referred to as embodiments) will be described in detail with reference to the accompanying drawings. Throughout the description of the embodiments, the same elements are denoted by the same numbers or symbols. Further, the arrows between the functional blocks indicate the direction of data flow or the direction of processing flow.

  FIG. 1 is a diagram showing a system configuration and functional blocks of a credit card assistance system (hereinafter referred to as this system) according to the first embodiment of the present invention. In the present system, as shown in the figure, a terminal 11 possessed by a credit card member 10 is connected to the credit card company system 20 via the Internet so as to be communicable. The credit card company system 20 is a system of its own member store. It is connected to the member store system 30 via a general-purpose line or a dedicated line. The member terminal 11 may be anything such as a personal computer (PC), a smart phone, a tablet terminal, or a mobile phone that can be connected to the Internet.

  The credit card company system 20 includes, as a functional block, an assistance registration receiving unit 21 that accepts assistance registration from a member who wants assistance, and authentication that authenticates credit card information transmitted from a member store when a customer makes a purchase with a credit card. Unit 24, having an assistance condition determination unit 25 that inquires about the contents of the assistance information DB 23 and determines whether or not the assistance condition is satisfied, and has a member information DB 22 that stores member information as a database, the member's recipients and assistance A support information DB 23 storing conditions and the like and a member store DB 26 storing member store information are provided. Details of data stored in the member information DB 22 and the assistance information DB 23 will be described later with reference to FIG.

  The member store system 30 is a member store X system, and typically includes a member store terminal 31 and a member store server (not shown). The member store server uses a credit card for shopping on the Internet. An online shopping / card settlement unit 33 that accepts a settlement request for settlement, and a card authentication request unit 34 are provided. The card authentication request unit 34 receives the card information used by the customer for payment from the member store terminal 31 or the online shopping / card payment unit 33 and sends it to the credit card company system 20 to request authentication (authorization). The member store terminal 31 is connected to an IC card reader 32 that reads data recorded on a customer's credit card.

  In addition to the above, the credit card company system 20 and the member store system 30 also have functional blocks having various functions such as customer management and sales support. However, in FIG. 1, parts not related to the present invention are omitted. doing.

  In FIG. 1, when a member 10 (for example, a child, grandchild, relative, friend, company subordinate, etc.) of a credit card company makes a specific purchase using a credit card, the member 10 pays the amount of money. Suppose you want to assist a part or all. A specific purchase is a purchase of a product or service (hereinafter referred to as “product, etc.”) that an assistance person wants to assist for the recipient, such as school expenses, illness or injury for children or grandchildren. Treatment costs, moving costs, rent, furniture and home appliance purchase costs, qualification costs, clothing, toys, baby items, products purchased by spouses and fiances for specific purposes, friends and subordinate parties, banquet costs Various things can be considered, but it also includes implications for celebrations and gifts.

  In such a case, the assistance registration receiving unit 21 of this system is for the member 10 (assistant) to register another member 40 (recipient) who wants to assist in the credit card company system 20. Receives information (supporter and recipient card numbers, assistance conditions (amount, usage, period, etc.) In this embodiment, the recipient 40 can be any member of the same credit card company. This registration may be performed only by an assistant, and there is no need for consent or advance notice of the recipient, and the information received by the assistance registration receiving unit 21 is the aid recipient. The credit card number (or card identification number that can uniquely identify the card) of the person is stored in the assistance information DB 23.

  The authentication unit 24 receives and receives the member's card information read by the IC card reader 32 connected to the member store terminal 31 when the member tries to shop using the credit card 41 at the member store. It is checked whether or not the card information matches the member-specific authentication data stored in the member information DB 22. When the data matches the authentication data, the authentication of the card is OK (hereinafter, this processing is referred to as authorization processing). When a member shop at a member store's net shop instead of a member store's actual store, the online shopping / card settlement unit 33 in the member store system 30 receives credit card information used for settlement from the member's terminal 42. It accepts data input (card number, expiration date, holder name, password / password), passes the input data to the card authentication request unit 34, and requests an authorization process from the authentication unit 24 of the credit card company system 20.

  The authentication unit 24 of this system refers to the member information DB 22 as well as the normal authorization process, and when the purchaser has an assistant, calls the assistance condition determination unit 25, and the assistance condition determination unit 25 It is determined whether or not the current shopping of 40 (the recipient) satisfies the assistance condition predetermined by the assistant. If the assistance condition is not satisfied, the processing is returned to the authentication unit 24 together with that fact. If the assistance condition is satisfied, the fact and related information (aid condition, message from the assistant, etc.) are passed to the authentication unit 24. . The authentication unit 24 transmits the received information to the member store system 30, and the supporter 10 is registered for the current purchase of the member 40 and satisfies the support conditions, so part or all of the purchase price is supported. That it can be settled with the credit card of the person in charge.

  Upon receiving this notification, the member store system 30 informs the member 40 of that. Specifically, the store clerk displays the information verbally or on the member terminal 42. By doing so, the member 40 is surprised for the first time on the spot, knowing that there is an offer for assistance from an assistant. If the member 40 accepts the assistance verbally or with an acceptance button displayed on the terminal 42, the member store system 30 authenticates the credit card company system 20 with the credit card of the assistant according to the assistance conditions. Reply to Upon receiving this reply, the authentication unit 24 instructs a settlement processing unit (not shown) to settle the portion corresponding to the amount of assistance from the credit card of the member 10 as an assistant. In addition, when the assistance limit amount is less than the purchase price of the product or the like, the payment processing unit is instructed to settle the remaining price from the credit card 41 of the member 40. In this way, the supporter can take over (support) a part or all of the price of the product purchased by the member 40 with the credit card.

  FIG. 2 is a diagram illustrating a specific example of data stored in the member information DB and the assistance information DB. In the member information DB 22 in the upper part of FIG. 2, in the same way as a normal credit card system, in addition to a member ID (member identifier), a card authentication data 221 includes a credit card number, a security code, a password, an expiration date, and a holder Your name is remembered. It also includes personal information such as the address of the holder, date of birth, telephone number, and email address. Further, although not shown, a login ID and a login password for a member service or a member support system on the network may be included.

  For the registered member, the assistance registration information 223, which is information unique to this system, is the assistance card identification number to be used as a member assistance person, and the recipient card that identifies the member card to be assistance. The identification number is stored in the member information DB 22. In the assistance registration information 223, corresponding detailed information is stored in the assistance information DB 23 for each combination of the assistance person and the assistance person. The supporter card identification number and the supportee card identification number may be plural because they are numbers associated with each owned card. In addition, the aid card identification number and the recipient card identification number may normally be a 16-digit credit card number itself, but it is issued when or after the credit card is issued, so that the credit card can be uniquely identified. It may be a number. This is to reduce the risk of unauthorized use that can occur when the credit card number itself is exchanged with the other party. In this example and the following examples, for the sake of simplicity, it is assumed that there is one card each owned by the supporter and the recipient.

  In the assistance information DB 23 in the lower part of FIG. 2, assistance information records 230, 231,... Are created for each combination of the assistance person and the assistance person, and the assistance card identification number, assistance person card identification number, assistance person Your name and relationship with your helper is remembered. Each assistance information record includes assistance conditions. Assistance conditions are defined in advance as conditions for assistance by an assistant. Specifically, the assistance target period, the assistance limit, products targeted for assistance (hereinafter referred to as “target products, etc.”), An item such as a store where a product or the like is purchased can be designated. If each item is blank, there is no condition for that item. However, if the assistance limit is blank, the assistance limit is the credit limit of the aid. Of course, when a plurality of recipients are registered, the total of each assistance limit cannot exceed the credit limit. The assistance target period may be a special anniversary or birthday for the recipient. Or you may set the period with a surplus payment for an assistant. For example, a certain period of time immediately after the salary date, after a bonus, or after a lottery is won.

  The assistance information record may include an address (message URL) of a storage location where a message from the aid to the helped person is stored. The stored message is displayed on the member store terminal 31 or the recipient's terminal 42 when the recipient tries to settle the purchase using his / her credit card at the member store. The message may include voice and images in addition to text information. By doing so, the aid recipient can hear a live message from the aid on the spot of the purchase of goods and the like, so the surprise effect can be enhanced.

  FIG. 3 is a diagram showing a payment processing flow in the first embodiment. This settlement process is a process performed between the server of the member store system and the server of the credit company system.

  First, in step S10, the member store system confirms that the customer's payment is a credit card. If it is not a credit card payment, the process proceeds to a cash settlement process (step S19) (a description of the cash settlement process is omitted). In the case of credit card payment, the process proceeds to step S11, and an authorization request including customer card information and purchase information is transmitted to the credit card company system. The purchase information transmitted here includes items such as products to be purchased by the customer, the price, the purchase date and time, and the store name. It is desirable that the item such as a product includes a classification code of the product in addition to the name of the product. In the credit card company system, when this authorization request is received in step S20, the process proceeds to step S21, and the member information DB 22 is referenced to check whether or not the received card information has an assistant registration.

  When there is an assistant registration in the card (step S21: Y), the assistance condition determination unit 25 is called, and the assistance condition determination unit 25 refers to the assistance information DB 23 and receives the customer's information from the received card information and purchase information. It is determined whether or not the current purchase satisfies the assistance conditions (target period, assistance limit, target store), and the process returns to the authentication unit 24 (step S22).

  If it is determined that the assistance condition is satisfied, the authentication unit 24, in step S23, indicates that the assistant is registered for the purchase of the customer this time and can be settled with the assistant's card. Send the result to the merchant system. If it is determined that the assistance condition is not satisfied (step S22: N), a normal authorization result (authorization result of the purchased customer's card) is transmitted in step S24.

  In the member store system, when the authorization result is received in step S12, it is further confirmed in step S13 that the authorization result is OK, and the process proceeds to step S14. In step S14, it is checked whether the authorization result is with assistance. If the authorization result with assistance is not received, the process jumps to step S18 to confirm that the payment is made with the card number of the customer (recipient).

  If the authorization result with assistance is received, the customer is notified that there is an offer for assistance from the assistant in step S15. This notification may be given verbally to the customer by the store clerk, or by displaying the screen of the member store terminal to the customer. Further, when the customer carries a portable terminal such as a smartphone, the display content may be transmitted from the member store terminal to the customer's portable terminal by the short-range communication means. In the case of online shopping, a display content screen is directly displayed on the customer's terminal.

  In step S16, when the customer accepts the requested assistance, the process proceeds to step S17, and the credit card company system is notified to settle with the card number of the helper instead of the card number of the customer. When accepting assistance, the customer, in the case of an actual store, provides his / her ID card or enters his / her credit card PIN at the member store terminal in order to prove the identity of the recipient. You may do it. In the case of online shopping, a password for online payment may be input instead of an identification card. The customer can also refuse the offer of assistance. In this case, in step S18, the customer is requested to settle with the customer's own card number, and the result is confirmed.

  In the credit card company system, when it is confirmed in step S25 that the customer has received the assistance, settlement is executed with the card number of the assistant (step S26). In step S27, a message for notifying the supporter that the assistance has been executed is transmitted. This message may be included in the card usage statement if the assistant does not have an email address. When the customer does not accept the assistance (step S25: N), if the authorization of the customer's (recipient) 's own card is OK (step S28; Y), settlement is executed with the card number of the customer (step S28). S29). Of course, if the authorization of the customer's card is NG, the settlement is made in cash. When the process of step S29 or step S27 is completed, the settlement process on the credit card company system side of this case is terminated, and the process returns to step S20 to wait for a new authorization request for settlement.

  Although illustration is omitted for simplification, it is also possible to divide and pay for the goods etc. with the customer's credit card and the assistant's credit card. For example, if the price of a product is 100,000 yen and the assistance limit specified by the assistant is 50,000 yen, 50,000 yen is charged to each of the customer and the assistant's cards. Further, the aid recipient may allocate the assistance amount to the purchase price up to the specified assistance limit amount, or may allocate only a part of the assistance limit amount to the purchase price.

  Therefore, in this way, when shopping with a credit card, the recipient knows for the first time that there is an offer for assistance, and increases appreciation with the surprise. In addition, even if the recipient's card that purchased the product etc. is over the limit and the authorization is NG, if there is an assistant, if the donor's card authorization is OK, the recipient Can purchase goods. Of course, it is possible to specify that the supporter pay the entire purchase price or only a part. It is also possible to purchase high-priced products by adding the card limit of the recipient and the assistance limit of the helper.

  FIG. 4 is a diagram showing a system configuration and functional blocks of a credit card assistance system according to the second embodiment of the present invention. FIG. 5 is a diagram showing a payment processing flow in the second embodiment. In the first embodiment described above, the case where the card of the donor and the card of the recipient are the same credit card company has been described. However, in the second embodiment, both cards are different credit card companies. In the following, the case will be described with reference to FIGS.

  As shown in FIG. 4, it is assumed that the card possessed by the assistant 10 is a card of the credit card company A, and the card possessed by the recipient 40 is a card of the credit card company B. Assume that the member store Y is a store that is a member of both the credit card company A on the support side and the credit card company B on the support side.

  In this case, when the recipient 40 uses the credit card 41 for shopping, an authentication request is made to the credit card company B system 20b (step S1). In response to the card authentication request from the member store system 30, the credit card company B system 20b refers to the member information DB 22b and the assistance information DB 23 of its own company, and asks the purchaser (supported person 40) of the other company's card. When it is detected that the assistant 10 as a member is registered, the member store system 30 is notified (step S2).

  The card authentication requesting unit 34 of the member store that has received this request makes an authentication request for the assistant 10 to the credit card company A system 20a (step S3). Here, it is assumed that the assistance information DB 23 is shared by the credit card company A and the credit card company B. Although the assistance information DB 23 is depicted in the figure so as to exist in each system, it is assumed that the assistance information DB 23 actually exists in a system managed by a credit card industry group. In this case, the assistance card identification number and the assistance card identification number stored in the assistance information DB 23 may be different management numbers that can uniquely identify the card within the industry, instead of the credit card number.

  In the credit card company A system 20a, when the authentication unit 24a confirms that the supporter 10 exists in the member information DB 22a, the authentication unit 24a calls the support condition determination unit 25a to check whether the purchase conditions transmitted from the member store satisfy the support condition. Let me determine if. If it is determined that the assistance condition is satisfied, the fact is transmitted to the member store system 30 (step S4).

  The above processing is shown in more detail in the settlement flowchart of FIG. The credit card company A system 20a and the credit card company B system 20b are installed with the same settlement processing program. Therefore, the flowchart of the figure is also subject to right and left, and the processing of both is different depending on whether the processing on the side of the supporter (here, credit card company A) or the processing on the side of the supportee (credit card company B in this case). Only.

  When the authorization result is received in step S12, the processing in the member store system 30 is for a credit card company (other company) different from the purchaser's credit card if there is an assistant in step S12A. It is determined whether transfer is necessary. If transfer by another company is necessary, the authorization request of the assistant is transmitted to the credit card company system together with the purchase information of the recipient (step S12B). Different. Then, if the helper's authorization result is OK (step S13: Y), the “assistant settlement process” is performed in the next step. This process is the same as steps S14 to S18 described in FIG. The description is omitted here.

  In each credit card company system, when an authorization request is received from the member store system in step S30a or S30b, the process proceeds to step S31a or S31b to determine whether the transfer is from another company. Transfer from another company means that an authorization request and purchase information has been transferred from another company through a member store because the helper when a member of another company who is not a member of the company made a purchase was the member of the company. Indicates. If the transfer is from another company (step S31a or 31b: Y), since the supporter is a member of the company, the process proceeds to step S36b, and the “company supporter authorization process” is performed.

  If the transfer is not from another company (step S31a or S31b: N), the process proceeds to step S32a or S32b to check whether there is an assistant registration on the card. Process "S35a or S35b" is executed. If the supporter is not a member of the company (step S34a or S34b: N), the process proceeds to step S33a or S33b, and other company transfer information (information necessary for the supporter's authorization and supportee purchase information) is transmitted.

  “Self-customer authorization processing” S35a and S35b corresponds to step S24 in FIG. 3, and “Self-assistant authorization processing” S36a and S36b corresponds to steps S23 and S25 to S29 in FIG. The description is omitted here.

  FIG. 6 is a diagram showing a system configuration and functional blocks of a credit card assistance system according to the third embodiment of the present invention. FIG. 7 is a diagram showing a payment processing flow in the third embodiment. In the first embodiment described above, a case has been described in which the card of the donor and the card of the recipient are the same credit card company. In the second embodiment, the case where both cards are separate credit card companies has been described. However, in the third embodiment, there are a plurality of helpers in one helper, and the recipients are supported. A case where the credit card companies of the card of each person and the assistant are all different will be described below with reference to FIGS.

  As shown in FIG. 6, here, the card of the supporter 10A belongs to the credit card company A, the card of the recipient 40 is to the credit card company B, and the card of the other supporter 10C is the credit card company. Suppose that it belongs to C.

  When the helped person shop at the member store X with the credit card 41, a card authentication request is transmitted from the member store system 30 to the credit card company B system 20b (step S1). The authentication unit 24b of the credit card company B system 20b refers to the member information DB 22b and the assistance information DB 23 of the company, and the supporter 10 who is a card member of another company is registered with the purchaser (supported person 40). If it is detected, the fact is notified to the member store system 30 (step S2) as in the case of the second embodiment. However, in this case, it is notified that there are a plurality of supporters, and each supporter's credit card company is also different.

  The card authentication requesting unit 34 of the member store system 30 that has received this notification distributes and transmits the authentication requests of the assistants 10A and 10C to the credit card company A system 20a and the credit card company C system 20c. Steps S3 and S3 ′). Upon receiving the authentication request, the authentication unit 24a and the authentication unit 24c, when confirming that the supporter is a member of the company and that there is support registration, call the support condition determination units 25a and 25c and refer to the support information DB 23. To check whether the aid conditions are met. Here, it goes without saying that the assistance information DB 23 is shared by the credit card companies A, B, and C. The result of each assistance condition determination is returned to the card authentication request unit 34 of the member store system 30.

  As in the case of the first and second embodiments, the member store system 30 that has received the reply confirms the intention of the customer (the recipient), and then completes the settlement with the card of each assistant. Notification is made to the system of each credit card company (steps S4, S4 ′). If one of the aids does not satisfy the assistance conditions, only the offer of the assistance who satisfies the assistance conditions is notified to the customer. If neither aid meets the requirements, the customer will not be notified that there has been any request for assistance.

  The flowchart of the settlement process is basically the same as the flowchart in the second embodiment, except for the assistant settlement processes S14 to S18 which are the final steps in the member store system (see FIG. 5). FIG. 7 shows an assistant settlement process in the third embodiment.

  In the assistance settlement process in the third embodiment, when the authorization information with assistance is received in step S14, the number of assistance persons and the offer information of each assistance person are displayed on the member store terminal (step S15A). In the case of an actual store, the store clerk informs the customer of this offer information verbally. It may be transferred to a smartphone or the like. When the customer accepts assistance (step S16: Y), in step S16A, the burden ratio between the assistants is determined. For example, if the assistance limit of one aid is 80,000 yen, the other aid limit is 50,000 yen, and the purchase price is 100,000 yen, how do you divide the purchase price of 100,000 yen? Is determined by the customer (supported person) (for example, 50,000 yen is charged each time, or is divided into 80,000 yen and 20,000 yen). Of course, the customer himself / herself may bear a part of the purchase price.

  However, it is further checked whether the burden ratio entered by the customer satisfies the details of the assistance conditions of each assistance person. For example, if the purchased item corresponds to the target product or the like in the assistance condition of the assistant 10C but does not correspond to the target product or the like in the assistance condition of the assistant 10A, the product etc. The amount cannot be included in the burden ratio of the assistant 10A even if it is within the assistance limit of the assistant 10A.

  Then, the credit card company is requested to settle the amount of the burden ratio determined in this way with the card number of the assistant (step S17A). If the customer does not accept the assistance, the customer is asked to make a payment with the customer's own card number to the credit card company of the customer's card (step S18).

  In the first to third embodiments, the system configuration and the functional block configuration shown in FIGS. 1, 4, and 6 are merely examples, and one functional block may be further divided or a plurality of functional blocks may be divided. The functional blocks may be combined into a single functional block. Each functional block is realized by a computer program executed by a CPU (Central Processing Unit) built in the computer, which reads a computer program stored in a storage device such as a ROM (Read Only Memory) or a hard disk. Is done. That is, in each functional block, this computer program reads and writes necessary data such as a table from a database (DB) stored in a storage device or a storage area on a memory, and in some cases, related hardware It is realized by controlling hardware (for example, input / output device, display device, communication interface device). Further, the database (DB) in the embodiment of the present invention may be a commercial database, but it simply means a collection of tables and files, and the internal structure of the database itself is not questioned.

  FIG. 8 is a diagram illustrating an example of an assistance offer notification screen for notifying a recipient. As shown in the figure, the assistance offer notification screen 100A is an example of a means for notifying the recipient that there is an offer for assistance from the aid. The offer is displayed on the member store terminal or the recipient's terminal. The assistance offer notification screen 100A includes the name of the assistance person and the assistance conditions 102. In addition, a helper message 103 may be included.

  On the assistance offer notification screen 100A, an acceptance button 104 when the recipient receives this offer and a refusal button 105 to refrain from the offer are prepared. These buttons are used as means for allowing the recipient to select whether or not to accept the offer of assistance. The assistance offer notification screen 100A further includes a reply message field 106 that is a means for inputting a reply message from the recipient to the aid, and an assistant registration button 107 that is a means for the recipient to register the aid. It is done. The aid registration button 107 is a button for registering a helper who has not been recognized by the recipient in the first aid offer or the like and for storing the assistance contents. That is, the supporter registration button 107 is a means for registering a supporter from the supportee side. The recipient can call this memory from his terminal at any time and store it in memory, or conversely, register the person who has received assistance this time (actually the card identification number) as the recipient. You can also. By doing in this way, it can be used for later thanks or "return".

  FIG. 9 is a diagram illustrating another example of an assistance offer notification screen for notifying a recipient. In the assistance condition 102 of the assistance offer notification screen 100B, instead of the assistance object, the assistance object date and the assistance object store are specified in a pinpoint manner. In this way, the supporter can provide assistance only for the purchase of goods or the like at a specific member store on a specific day of the supportee. For example, in this screen example, the manager of a company that senses that a subordinate will hold a launch meeting for a project, etc., does not know the credit card number or card identification number of the lead employee, the date and time of the launch meeting, and the name of the store to be held. This is a scene where the method is asked in advance and a part of the cost of the launch meeting is supported. If you do not tell the purpose when you ask for a credit card number or card identification number, a surprise will be born and the effectiveness of assistance will increase. Further, if the assistance conditions are specified in detail, it is possible to prevent unintended products and the like, and misuse other than the recipient. Note that a card identification number that is not a credit card number may be disclosed in advance by a person who can be a recipient (a person who expects assistance) in an email footer or blog. By doing so, the sensation of “begging” is reduced.

  FIG. 10 is a diagram showing still another example of the assistance offer notification screen for notifying the recipient. On this assistance offer notification screen 100C, assistance offers from two aids are notified. When there are two helpers, depending on the recipient's choice, they can receive assistance from both sides, or they can receive assistance from only one side. Of course, both aids can be withheld.

  In preparation for receiving assistance from both sides, burden ratio input fields 110a and 110b are prepared as means for allowing the recipient to determine the burden ratio between the helpers. The burden ratio input fields 110a and 110b also function as a means for allowing the recipient to decide to add the assistance amount of the assistance person. The burden ratio may be specified by an amount or may be specified by a product number in the purchase information. In this example, the burden ratio input field 110a is designated by an amount, and the burden ratio input field 110b is designated by a product number. As in this example, in the case where the recipient purchases a product that is not covered by the assistance condition 102a at the same time, the burden ratio of the assistance person who designates the assistance condition 102a includes the amount of the assistance target product or Only the product number can be specified. For example, in the case of this screen, if anything other than the IC recorder price that matches the support target product is entered in the burden ratio input field 110a, an error occurs. The same applies to the case where the burden ratio is input by the product number (the “game guide” for product number 3 is not a “reference book”).

  FIG. 11 is a diagram illustrating an example of a support result notification sent to the supporter. In this system, it is possible to notify the helper that the helped person has actually made a purchase using the help. This notification may be included in the credit card statement in addition to mail and mail. As shown in the figure, in the assistance result notification 200 of this example, the purchase information 201 of the recipient and the assistance burden result 202 borne by the assistant are described. If there is a helper other than himself / herself, the aid burden result 203 of the other helper may be described (however, the name of the other helper may not be described). In this way, the helper can know that his / her assistance has been used effectively by the recipient.

  In the purchase information 201 of this example, for each purchased item, the classification of the product etc. and the assistance target symbol indicating whether or not it was the assistance object are shown, but in the purchase information 101 on the assistance offer screen described above, In the same manner, the classification of goods and the assistance target symbol may be displayed.

  In the first, second, and third embodiments, the electronic card possessed by the customer is described as a credit card as a typical example, but the same mechanism is applied to a post-pay type electronic money card. Is applicable.

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

A, B, C Credit card company X, Y Merchant 10, 10A, 10C Aidor 11, 11a, 11c Aidor's terminal 20, 20a, 20b, 20c Credit card company system 21, 21a, 21c Aid registration accepting unit 22 , 22a, 22b, 22c Member information DB
23 assistance information DB
24, 24a, 24b, 24c Authentication unit 25, 25a, 25b, 25c Aid condition determination unit 26, 26a, 26b, 26c Merchant DB
30 member store system 31 member store terminal 32 IC card reader 33 online shopping / card payment unit 34 card authentication request unit 40 recipient 41 credit card 42 recipient's terminal 100A, 100B, 100C assistance offer notification screen 101 purchase information 102 , 102a, 102b Assistance condition display field 103 Message field 104 Accept button 105 Refusal button 106 Reply message field 107 Assistance person registration button 110a, 110b Assistance burden ratio input field 200 Assistance result notification 201 Purchasing information 202 Assistance burden result 203 Other assisters Assistance result information 221 card authentication data 222 personal information of the holder 223 assistance registration information 230,231 assistance information record

Claims (9)

A credit card company system that allows another member to assist the member in paying for shopping with his / her credit card,
An assistance registration receiving unit that receives assistance information including a card identification number of the member, a card identification number of a member to be a recipient, and assistance conditions from a terminal of a member serving as an aid, and stores the assistance information in an assistance information DB; ,
An assistance condition determination unit that refers to the assistance information DB and determines whether or not shopping for the recipient satisfies the assistance condition;
When the assistance condition determination unit determines that the assistance condition is satisfied, the assistance person's credit card is charged for part or all of the price of goods or services purchased by the recipient with his / her credit card. An authentication unit that authenticates
A credit card company system characterized by comprising.   2. The credit card according to claim 1, wherein the assistance condition includes at least one of an assistance limit predetermined by the assistant, a support target period, a support target product or service, and a support target store. Company system.   The said support person is provided with a means to make the said helper determine the burden ratio of the said several assistance person with respect to the price to purchase when there exist several assistance persons with respect to the said one assistance person. The credit card company system according to 1 or 2.   Means for causing the recipient to determine whether or not to settle the purchase price by adding together the amounts of assistance of the plurality of aids when there are a plurality of aids for the one recipient The credit card company system according to claim 1, further comprising:   The credit card company system according to any one of claims 1 to 4, further comprising means for allowing a recipient to select whether or not to accept an offer of assistance from the helper.   6. The credit card company system according to claim 5, further comprising means for the helpee to register the supporter when the support is offered from the supporter.   The aid information includes a message from the helper to the recipient, and includes means for notifying the recipient of the message when an offer for assistance is made from the aid. The credit card company system according to 5 or 6.   8. The credit card company system according to claim 7, further comprising means for the recipient to input a reply message to the message of the assistant. A program that allows another member to help a credit card member pay for shopping with his credit card,
An assistance registration reception stage for receiving assistance information including a card identification number of the member, a card identification number of a member to be a recipient, and assistance conditions from a terminal of the assistance member and storing it in the assistance information DB; ,
Referring to the assistance information DB, an assistance condition determination step for determining whether or not shopping for the recipient satisfies the assistance condition;
When it is determined in the assist condition determination step that the assist condition is satisfied, the assister's credit card is charged for part or all of the price of goods or services purchased by the recipient with his / her credit card. An authentication stage for authenticating
A program characterized by being executed by a computer.

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