JP6676208B1 - Card usage management device, card usage management method, and program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a card use management device by which a card user can confirm the use of a card immediately after using the card. SOLUTION: When authorization data including a card number, date and time of use, amount of use, and terminal identification number transmitted from a member store terminal 30 to a card payment online network SN is received by a card use management server 10, the management server 10 receives the authorization data. Acquires the member store name corresponding to the terminal identification number from the member store data 12d3 based on the authorization data, and generates a card use real-time notification including the date of use, the amount of use, and the store (member store name). The terminal device number of the user terminal 20 corresponding to the card number is set as the destination, and the card utilization real-time notification is transmitted to the user terminal 20 as a push notification. The user terminal 20 receives the push notification (card use real-time notification) and displays it on the standby screen GW of the touch panel type display unit 25. [Selection diagram] Fig. 6

Description

  The present invention relates to a card use management device, a card use management method, and a program for appropriately managing use of a credit card.

  2. Description of the Related Art Conventionally, a member uses a credit card issued by a card company (hereinafter, simply referred to as a “card”) to purchase goods and the like.

  In recent years, the market has been rapidly becoming cashless, and the use of cards has become widespread among individuals.

  Conventionally, as one of services provided by card companies to card users (card users), there is a "card use notification mail".

  The "Card Use Notification Email" is a message that, when a card user uses a card at a member store of the card, the card company will use the card after a certain period of time (minimum next day) after using the card (the date of use, amount of use). ) To a card user's mobile terminal (smartphone or the like) by e-mail (for example, see Non-Patent Document 1).

  As a result, the card user can not only confirm the use of his or her own card at an early stage from the use of the card, but also can detect an unauthorized use of the card at an early stage.

Rakuten Card, Card Use Notification Email, [online], [Search on May 29, 1980], Internet <URL: https://www.rakuten-card.co.jp/security/information-mail/>

  However, in the past, the service "card use notification mail" provided by card companies has a certain time lag (minimum next day) in order to wait for the settlement of the use amount, and it is not immediately notified from the use of the card Absent.

  For this reason, the card user cannot not only confirm the use of his / her card immediately after the use of the card, but also cannot immediately detect an unauthorized use of the card.

  The present invention has been made in view of such a problem, and has as its object to provide a card use management device and a card use management device that enable a card user to immediately confirm the use of a card after the use of the card. It is to provide a method and a program.

The card use management device according to the present invention comprises:
Authorization data receiving means for receiving authorization data including card number, date of use, amount of use, terminal identification information of the merchant terminal transmitted from the merchant terminal of the card merchant to the network,
Member store data storage means for storing the card member store identification information and the terminal identification information of the member store terminal in association with each other,
Member store data acquisition means for acquiring the card member store identification information from the member store data storage means, based on the terminal identification information of the member store terminal included in the authorization data received by the authorization data reception means,
Notification for notifying the use date and amount of the card included in the authorization data received by the authorization data receiving means , and the use of the card including the card member store identification information acquired by the member store data acquisition means Usage notification generating means for generating data;
User data storage means storing the user identification information of the card, the card number of the card, and the terminal device information of the card user terminal in association with each other;
A terminal device information acquisition unit that acquires terminal device information of the card user terminal from the user data storage unit based on a card number included in the authorization data received by the authorization data reception unit;
Based on the terminal device information acquired by the terminal device information acquisition unit, the notification data generated by the use notification generation unit is transmitted to the card user terminal, and the notification data is displayed on the card user terminal. Means for transmitting a use notification,
In response to a user operation on the card user terminal on which the notification data is displayed, a statement request for receiving data requesting a statement of use of the card transmitted from the card user terminal together with user identification information of the card Receiving means;
The card number of the card is obtained from the user data storage means based on the user identification information received together with the data requesting the usage specification by the specification request receiving means, and the authorization data received by the authorization data receiving means is obtained. Usage data that generates detailed data of card usage including the usage date and usage amount associated with the obtained card number included in the data and the card member store identification information obtained by the member store data obtaining means. Statement generation means;
The statement data generated by the usage statement generating means is added to the statement data based on the authorization data with unconfirmed usage information indicating that the card is for an undecided card usage, and the request card for the usage statement is used. Transmission means for transmitting the detailed data to the card user terminal and displaying the detailed data to which the unconfirmed use information is added with unconfirmed information .

  ADVANTAGE OF THE INVENTION According to this invention, it becomes possible for a card user to confirm use of a card immediately after use of a card.

FIG. 1 is a block diagram showing the overall configuration of a card use management system according to an embodiment of the present invention. FIG. 2 is a block diagram showing a configuration of an electronic circuit of the card use management server 10. FIG. 2 is a block diagram showing a configuration of an electronic circuit of the user terminal 20. 9 is a flowchart showing a card use notification setting process executed in cooperation between the card use management server 10 and the user terminal 20. 9 is a flowchart showing a card use real-time notification process executed in cooperation between the card use management server 10 and the user terminal 20. The figure explaining the card use real-time notification process. 9 is a flowchart showing a home screen generation data acquisition / transmission process by the card usage management server 10 and a home screen generation / display process by the user terminal 20 in association with each other. The figure which shows an example of the home screen GH displayed on the user terminal 20 according to the data acquisition / transmission processing for the home screen generation of the card usage management server 10, and the home screen generation / display processing of the user terminal 20. The figure which shows an example of the application setting screen GS displayed on the user terminal 20 according to the card use notification setting process. The figure which shows an example of the reference | standard amount setting screen GM displayed on the user terminal 20 according to the card use notification setting process. The figure which shows an example of the card use real-time notification PN displayed as a push notification on the standby screen GW of the user terminal 20 according to the card use real-time notification processing. 9 is a flowchart showing a usage statement display process executed in cooperation between the card usage management server 10 and the user terminal 20. The figure which shows an example of the use notification list screen GL displayed on the user terminal 20 according to the card use real-time notification process. The figure which shows an example of the usage statement screen GD displayed on the user terminal 20 according to the usage statement display processing. 9 is a flowchart showing a usage amount indication notification process executed in cooperation between the card usage management server 10 and the user terminal 20. The figure which shows an example of the estimated amount arrival notification PA displayed as a push notification on the standby screen GW of the user terminal 20 according to the estimated usage amount notification process. 9 is a flowchart showing a usage amount determination process executed by the card usage management server 10.

  Hereinafter, embodiments of the present invention will be described with reference to the drawings.

  FIG. 1 is a block diagram showing an overall configuration of a card use management system according to an embodiment of the present invention.

  The card usage management system includes a card usage management server 10 (card usage management device) of a card issuing company, a user terminal 20 (card user terminal) of a card user who is a member of the card issued by the card issuing company, And a member store terminal 30 of the member store of the card.

  The user terminal 20 is a mobile terminal such as a smart phone or a tablet terminal that has been registered in the card usage management server 10 as a terminal used by the card user. The user terminal 20 and the public communication network (Internet) IN It has a communication function that can be connected for communication via. The user terminal 20 downloads and installs a card use application 22p2 (see FIG. 3) provided by the card company to the member from a program server (here, an app store) (not shown) on a communication network (Internet) IN. To use.

  The member store terminal 30 is a credit inquiry terminal such as a CAT (Credit Authorization Terminal), and is a communication that can be connected to the card use management server 10 via a card payment online network SN such as a CAFIS (Credit And Finance Information Switching system). Has functions. When the card user uses the card, the member store terminal 30 uses the card authorization data (including the card number / date / time / use amount / payment method (one time / division / ribo) / terminal identification number) ( Hereinafter, in the description of the embodiment, it will be simply referred to as “authorization data”) to the card settlement online network SN, and will be judged whether the card can be used (credit inquiry). Note that the authorization data after receiving the card use determination also includes data of the determination result (credit approval / non-approval).

  On the card settlement online network SN, in addition to the card use management server 10 and the member store terminal 30 of the card issuing company (Issuer), a server (not shown) of a card company which is an acquirer (member store acquisition and management company). ), A server (not shown) of a card company that is an international brand (providing a system capable of international settlement), a server of a financial institution such as a bank, and the like exist in a communicable manner.

  In the card settlement online network SN, there is a form of card settlement performed by the same card company in all three roles of international brand, issuer, and acquirer, and settlement of a card performed by the same card company in any two roles. There is also a form of payment or a form of settlement of cards in which all the roles are performed by different card companies.

  In the present embodiment, for example, with respect to the authorization data transmitted from the member store terminal 30 to the card settlement online network SN, the card use management server 10 of the card issuing company performs a card use availability determination process, and the determination result ( Authorization data including credit approval / non-approval data is transmitted again to the server of the international brand card company, the server of the acquirer card company, and the member store terminal 30 via the credit card settlement online network SN again. I do.

  When the authorization data including the data of the determination result of the card use (credit approval) is transmitted from the card use management server 10, the member store terminal 30 performs the payment process of the card use, and executes the payment process of the international brand card company. After a certain period of time, such as several days after the settlement processing, the server performs a card usage amount determination process, and transmits the card usage amount determination data to the card usage management server 10 of the card issuing company.

  In the card usage management system of the present embodiment, the card usage management server 10 receives the authorization data transmitted from the member store terminal 30 to the card payment online network SN via the card payment online network SN, It has a card use real-time notification function that immediately notifies the card user of the card use without waiting for the determination of the card use amount.

  Further, the card usage management server 10 displays the usage statement data for each card usage including the card usage amount based on the authorization data on the user terminal 20 through the card usage dedicated application 22p2 installed on the user terminal 20. It has a providing function.

  In addition, the card usage management server 10 allows the card user to use the payment amount (payment amount) for each predetermined card usage period including the card usage amount of the day based on the authorization data without waiting for the determination of the card usage amount. When the preset standard amount is reached, the standard amount of usage that notifies the user terminal 20 that the usage amount (payment amount) including the card usage amount of the day based on the authorization data has reached the standard amount. Has a notification function.

  FIG. 2 is a block diagram illustrating a configuration of an electronic circuit of the card use management server 10.

  The card usage management server 10 includes a CPU 11 (processor) as a control unit.

  The CPU 11 (processor) is a program stored in the storage unit 12 such as a hard disk or a flash memory in advance, a program read from the external storage medium 13 such as a CD-ROM by the recording medium reading unit 14 and stored in the storage unit 12, Alternatively, the operation of each part of the circuit is controlled in accordance with a program downloaded from a Web server (a program server in this case) (not shown) on the communication network IN via the communication unit 15 and stored in the storage unit 12 to perform various functions. Run.

  The CPU 11 includes, via a system bus, a storage unit 12, a recording medium reading unit 14, a communication unit 15 that is a communication interface with a communication network IN, and a payment system communication unit 16 that is a communication interface with a card payment online network SN. , A keyboard, a pointing device, etc., an input unit 17 and a display unit 18 are connected.

  The storage unit 12 secures a plurality of types of data storage areas such as a program storage area 12P and a management data storage area 12D.

  In the program storage area 12P, in addition to the server system program 12p1 that controls the entire control of the card usage management server 10, a payment amount calculation application 12p2, a home screen generation data acquisition application 12p3, a user setting application 12p4, a card usage real-time notification. The application 12p5, the usage statement providing application 12p6, the estimated usage amount notification application 12p7, the usage amount determination corresponding application 12p8, and the like are stored.

  The payment amount calculation application 12p2 may use, for example, monthly card usage based on the usage amount of the card user, the payment method for each usage (single payment / installment payment / revolving payment), a preset interest rate, a card company fee, and the like. This is a program for calculating a payment amount for each predetermined card use period determined by a deadline.

  The home screen generation data acquisition application 12p3 displays the card user's dedicated home screen GH (see FIG. 8) on the touch panel display unit 25 of the user terminal 20 according to the card use dedicated application 22p2 installed on the user terminal 20. This is a program for acquiring various data necessary for the transmission and transmitting the data to the user terminal 20.

  The user setting application 12p4 includes a plurality of items of setting data (card use real-time notification (ON / OFF) that are arbitrarily set for each card user between the user terminal 20 on which the card use application 22p2 is activated. This is a program for registering the usage amount indication notification (including setting data of ON / OFF) in the card usage management server 10.

  The card usage real-time notification application 12p5 receives the authorization data transmitted from the member store terminal 30 to the card payment online network SN via the card payment online network SN, without waiting for the determination of the card usage amount. This is a program for immediately notifying the user terminal 20 of the card user of the card use (card use real-time notification function).

  The usage statement providing application 12p6 is a program for displaying the usage statement data for each card usage including the card usage amount based on the authorization data on the user terminal 20 through the card usage dedicated application 22p2 installed on the user terminal 20. Yes (use statement providing function).

  The usage amount indication notification application 12p7 sets the usage amount (payment amount) for each predetermined card usage period including the card usage amount based on the authorization data in advance without waiting for the determination of the card usage amount by the card user. Is a program for notifying the user terminal 20 that the usage amount (payment amount) including the card usage amount based on the authorization data has reached the standard amount (the usage amount) Estimated notification function).

  The usage amount determination corresponding application 12p8 is a program for performing processing for determining the card usage amount when the card usage amount determination data is received from the card payment online network SN.

  The management data storage area 12D stores user ID data 12d1, user setting data 12d2, member store data 12d3, authorization data 12d4, receivables data 12d5, use period data 12d6, payment amount data 12d7, and the like.

  The user ID data 12d1 includes IDs (identification numbers) for each card user, a password, a card number, a name, a terminal device number which is terminal device information, a mail address, and a telephone number. The data (user identification information) and each data (terminal device information) unique to the user terminal 20 are stored in association with each other (user data storage means).

  As the user setting data 12d2, a card number, a card usage real-time notification (ON / OFF), a standard usage amount notification (ON / OFF), a standard amount (one or more), and the like are provided by the card user. Each data set arbitrarily is stored in association with each other.

  As the member store data 12d3, the terminal identification number of the member store terminal 30 for each card member store and each data of the name of the member store are stored in association with each other (member store data storage means).

  The authorization data 12d4 is received and stored from the member store terminal 30 via the card payment online network SN in accordance with the card user's use of the card. The authorization data 12d4 includes a card number, date and time of use, and usage. Each data includes an amount, a payment method (one time / division / revolving), and a terminal identification number. After the card payment online network SN determines whether or not the card can be used (credit inquiry) based on the authorization data 12d4 from the member store terminal 30, the authorization data 12d4 includes the determination result (credit approval / non-authorization). Approval) data is also included.

  The credit data 12d5 is data in which fixed data of the card usage amount received from the card settlement online network SN after a certain period of time is stored as credit data for each card user, in accordance with the card usage of the card user, The credit data 12d5 includes data of a card number, date and time of use, identification information (name) of a participating member store, amount of use, and payment method (one time / division / ribo).

  As the usage period data 12d6, a card number for each card user, for example, data for a monthly card usage deadline and payment date are stored in association with each other.

  As the payment amount data 12d7, each data of the payment amount for each predetermined card use period calculated by the payment amount calculation application 12p2 based on the card number for each card user, the authorization data 12d4, and the credit data 12d5 is associated. It is memorized.

  Due to the relationship between the card use deadline and the day of calculating the payment amount, fixed information is added to the payment amount for the usage period for which payment has been determined, and the payment amount for the payment period for which payment has not been determined is added. Undetermined information is added.

  Further, when the calculated payment amount includes the payment amount based on the authorization data 12d4, information that the payment amount data based on the authorization data 12d4 is also the payment amount based on the authorization data is added. Is memorized.

  In the card usage management server 10 configured as described above, the CPU 11 controls the operation of each part of the circuit according to the instructions described in the programs 12p1 to 12p8, and the software and hardware operate in cooperation. The card use notification setting function (see FIG. 4), the card use real-time notification function (see FIG. 5), the home screen generation data acquisition / transmission function (see FIG. 7), and the use statement display, as described in the operation description below. Various functions including a function (see FIG. 12), a usage amount notification function (see FIG. 15), and a usage amount determination function (see FIG. 17) are realized.

  FIG. 3 is a block diagram showing a configuration of an electronic circuit of the user terminal 20.

  The user terminal 20 includes a CPU 21 (processor) as a control unit.

  The CPU 21 (processor) is a program stored in a storage unit 22 such as a flash memory in advance, a program read from an external storage medium 23 such as a memory card by a storage medium reading unit 24 and stored in the storage unit 22, or a communication network. According to a program downloaded from a Web server (in this case, a program server) (not shown) on the IN via the communication unit 26 and stored in the storage unit 22, the operation of each circuit unit is controlled and various functions are executed.

  The storage unit 22, the recording medium reading unit 24, the communication unit 26 as a communication interface with the communication network IN, the touch panel display unit 25, and the like are connected to the CPU 21 via the system bus Bus.

  The storage unit 22 secures a plurality of types of data storage areas such as a terminal data storage area 22R, a program storage area 22P, and a work data storage area 22W.

  The terminal data storage area 22R stores data (terminal device information) such as a terminal device number, a mail address, and a telephone number unique to the user terminal 20.

  The program storage area 22P stores a card use application 22p2, a push notification reception application 22p3, a mail transmission / reception application 22p4, and the like, in addition to the terminal system program 22p1 that controls the entire user terminal 20.

  The card use dedicated application 22p2 is a program downloaded and installed from the card use management server 10 based on the card user ID (identification number), password, card number, and the like. , Card use notification setting process (see FIG. 4), card use real-time notification process (see FIG. 5), home screen generation / display process (see FIG. 7), use detail display process (see FIG. 12), use amount indication notification process (See FIG. 15).

  The push notification receiving application 22p3 transmits push notification data from the communication device on the communication network IN including the card usage management server 10 to the terminal device number stored in the terminal data storage area 22R as a destination for push notification. This is a program that is received via the server and causes the touch panel display unit 25 to display the window of the push notification.

  The mail transmission / reception application 22p4 is a program for transmitting / receiving mail data via a mail server to / from a communication device on the communication network IN including the card usage management server 10, and displaying the mail.

  The work data storage area 22W stores card use screen generation data 22w1, card use dedicated screen data 22w2, bitmap display data 22w3 to be displayed on the touch panel display unit 25, and the like.

  As the card use screen generation data 22w1, various screens (home screen GH (see FIG. 8) / application setting screen GS (see FIG. 9) / standard amount setting screen GM (FIG. 10) transmitted from the card use management server 10 are used. .) / Use notification list screen GL (see FIG. 13) / use detail screen GD (see FIG. 14) / ...) is received and stored in the user terminal 20.

  Various screens (home screen GH / application setting screen GS / standard amount setting screen GM / use notification list) generated based on card usage screen generation data 22w1 in accordance with card usage dedicated application 22p2 are used as card usage dedicated screen data 22w2. Screen GL / use details screen GD / ...) is stored.

  The data of various screens (GH / GS / GM / GL / GD /...) Stored as the card use exclusive screen data 22w2 are written as display data 22w3 at the timing of displaying each screen, and the touch panel display unit 25 Will be displayed.

  In the user terminal 20 configured as described above, the CPU 21 controls the operation of each part of the circuit according to the instructions described in the programs 22p1 to 22p4, and the software and hardware operate in cooperation with each other. As described in the following operation description, a card use notification setting function (FIG. 4), a card use real-time notification function (FIG. 5), a home screen generation / display function (FIG. 7), a use statement display function (FIG. 12), use Various functions including a reference amount notification function (FIG. 15) are realized.

  Next, an operation of the card use management system according to the embodiment will be described.

  FIG. 4 is a flowchart showing a card use notification setting process executed in cooperation between the card use management server 10 and the user terminal 20.

  FIG. 5 is a flowchart showing a card use real-time notification process executed in cooperation between the card use management server 10 and the user terminal 20.

  FIG. 6 is a diagram illustrating the card use real-time notification process.

  FIG. 7 is a flowchart showing the home screen generation data acquisition / transmission processing by the card usage management server 10 and the home screen generation / display processing by the user terminal 20 in association with each other.

  FIG. 8 is a diagram illustrating an example of the home screen GH displayed on the user terminal 20 according to the home screen generation data acquisition / transmission processing of the card usage management server 10 and the home screen generation / display processing of the user terminal 20. is there.

  FIG. 9 is a diagram illustrating an example of the application setting screen GS displayed on the user terminal 20 according to the card use notification setting process.

  FIG. 10 is a diagram illustrating an example of the reference amount setting screen GM displayed on the user terminal 20 according to the card use notification setting process.

  FIG. 11 is a diagram illustrating an example of the card use real-time notification PN displayed as a push notification on the standby screen GW of the user terminal 20 according to the card use real-time notification process.

  FIG. 13 is a diagram illustrating an example of the use notification list screen GL displayed on the user terminal 20 according to the card use real-time notification process.

<Card use notification setting process> (FIG. 4)
When the card use dedicated application 22p2 is started in the user terminal 20 in response to the operation of the user (user) (step T11), the CPU 21 determines whether the card input by the user or the card already input and stored is performed. The user ID (identification number) is transmitted to the card usage management server 10 (step T12).

  When the card user management server 10 receives the card user ID transmitted from the user terminal 20 (step S11), the CPU 11 uses the home screen GH at the user terminal 20 according to the home screen generation data acquisition application 12p3. Then, various data for generating a home screen necessary for displaying the home screen are acquired, and the data for generating the home screen are transmitted to the user terminal 20 (step S12).

  The details of the home screen generation data acquisition / transmission processing (step S12) by the card usage management server 10 will be described later.

  When the user terminal 20 receives the home screen generation data transmitted from the card usage management server 10 (step T13), the CPU 21 proceeds to FIG. 8 based on the received home screen generation data. A home screen GH1 (GH2) as shown is generated and displayed on the touch panel display unit 25 (step T14).

  FIG. 8A shows a home screen GH1 showing the payment status of the month (here, February 2019) in which the payment amount is determined, and FIG. 8B shows the home screen GH1 in which the payment amount of the following month is undetermined (here, This is the home screen GH2 showing the payment status of March 2019.

  On the home screen GH1 (GH2), along with the payment amount for the current month, a payment amount graph PG obtained by converting the payment amount into a bar graph, and a usage statement screen GD (see FIG. 14) corresponding to the payment amount [Details]. A button BD and a [setting] button BS for displaying an application setting screen GS (see FIG. 9) listing a plurality of items arbitrarily set by a card user are provided.

  In the display area of the payment amount graph PG, when a standard amount of card use is set by the card user, the position of the standard amount with respect to the size of the payment amount is shown in comparison. Amount line LS is displayed together with the amount mark M.

  Further, in the payment amount graph PG, when the payment amount represented by the payment amount graph PG includes the payment amount based on the authorization data 12d4, a portion corresponding to the payment amount based on the authorization data 12d4 is set as the undetermined use amount NT. Identified and displayed.

  The home screen generation / display process (step T14) by the user terminal 20 will be described later in detail.

  In the user terminal 20 on which the home screen GH1 (GH2) is displayed, when the [Setting] button BS is touched (pressed) (step T15 (Yes)), the CPU 21 stores the data requesting the application setting screen GS in a card. The information is transmitted to the card use management server 10 together with the user ID (identification number) (step T16).

  When the card use management server 10 receives the data requesting the application setting screen GS transmitted from the user terminal 20, the CPU 11 determines the user based on the card user ID in accordance with the user setting application 12p4. Each setting data including the setting data of the card use real-time notification (ON / OFF) and the setting data of the estimated use amount notification (ON / OFF) associated with the card number of the card user stored as the setting data 12d2 Is read and acquired, and transmitted to the user terminal 20 (step S13).

  When the user terminal 20 receives each card user's setting data transmitted from the card usage management server 10 (step T17), the CPU 21 proceeds to FIG. An application setting screen GS as shown in FIG. 9 is generated and displayed on the touch panel display unit 25 (step T18).

  On the application setting screen GS, for example, an [ON / OFF] button BN1 associated with the item of “real-time notification of card use” and an [ON / OFF] button BN2 associated with the item of “notice of estimated usage amount” Are set to [ON] by a user operation (step T19), the CPU 21 proceeds to FIG. 10A according to the setting of “notice of estimated amount of use” [ON] (step T110 (Yes)). As shown in the figure, the touch panel display unit 25 displays a guideline setting screen GM1 for the card user to set a guideline for card use arbitrarily (step T111).

  In the reference amount setting screen GM1, the first reference amount (here, ¥ 50,000) is input to the first reference amount input area A1 for inputting the first reference amount for one month in accordance with a user operation. It is displayed (step T112).

  Here, when the “add reference amount” button BP on the reference amount setting screen GM1 is touched (pressed), the CPU 21 adds and inputs the second reference amount as shown in FIG. 10B. The reference amount setting screen GM2 to which the second reference amount input area A2 is added is displayed on the touch panel display unit 25 (step T111).

  In the reference amount setting screen GM2, the second reference amount (here, ¥ 90,000) is input and displayed in the second reference amount input area A2 in response to a user operation (step T112).

  In addition, in the GM2 following the reference amount setting screen GM1, by operating the [Add a reference amount] button BP, a reference amount setting screen GM3 (not shown) to which the third reference amount input area A3 is added is displayed. Can be.

  When one or a plurality of reference amounts are input and displayed on the reference amount input screen GM1 (GM2) (step T112), the CPU 21 sends a "card use real-time notification [ON]" together with the card user ID. The respective setting data of “Notice of Estimated Usage Amount [ON]” is transmitted to the card usage management server 10 (step T19), and one or a plurality of estimated amounts input on the estimated amount input screen GM1 (GM2) are also displayed. The data is transmitted to the card use management server 10 (step T113).

  In the card usage management server 10, each set data of “card usage real-time notification [ON]” and “usage amount notification [ON]” transmitted from the user terminal 20 and one or a plurality of data input by the card user Is received, the CPU 11 associates each of the received setting data and the data of the estimated amount with the card number of the card user as the user setting data 12d2 based on the card user ID. And store it in the management data storage area 12D of the storage unit 12 (step S14).

<Card real-time notification processing> (FIGS. 5 and 6)
When the card user uses the card at the member store of the card, as shown in FIG. 6, the authorization data corresponding to the use of the card transmitted from the member store terminal 30 to the card settlement online network SN is converted to the card settlement online. It is received by the card usage management server 10 via the network SN (step S21 (Yes)) (authorization data receiving means).

  The CPU 11 of the card use management server 10 stores the received authorization data (card number, date and time of use, amount of use, payment method, terminal identification number) 12d4 in the management data storage area 12D of the storage unit 12 (Step S22). .

  Based on the user setting data 12d2 stored in the management data storage area 12D, the CPU 11 determines whether or not the setting data of “real-time card use notification” associated with the card number of the card user is “ON”. Is determined (step S23 (Yes)).

  When it is determined that the setting data of the “card real-time notification” of the card user is “ON” (step S23 (Yes)), the CPU 11 as shown in FIG. 6, the authorization data 12d4 of the card user. The member store name is read out from the member store data 12d3 in the management data storage area 12D and acquired based on the terminal identification number included in the management data storage area 12D (step S24) (member store data acquisition means), and the use date and time included in the authorization data 12d4 Then, a card use real-time notification including the (Y month x day), the usage amount (￥ XXX), and the acquired member store name (EFGH ten) is generated (step S25) (use notification generation means).

  The CPU 11 reads and acquires the terminal device number of the user terminal 20 included in the user ID data 12d1 (step S26) (terminal device information acquisition means), sets the acquired terminal device number as a transmission destination, and proceeds to step S25. Is transmitted as a push notification to the user terminal 20 (step S27) (use notification transmitting means).

  When the user terminal 20 receives the push notification (card usage real-time notification) transmitted from the card usage management server 10 (step T21 (Yes)) (usage notification receiving means), the CPU 21 pushes the push notification receiving application 22p3. Accordingly, for example, as shown in FIG. 11A or FIG. 11B, the received push notification (card use real-time notification) PN1 or PN2 is displayed on the standby screen GW of the touch panel display unit 25 ( Step T22) (Usage notification display control means).

  The push notification (real-time card use notification) PN1 of FIG. 11A shows an example in which a message of “You have used a card within a few minutes. Tap to check the details.” The push notification (card use real-time notification) PN2 in FIG. 11B is accompanied by a message “use of card within a few minutes.” OO), a member store name (EFGH ten) "is displayed. It should be noted that the content of the message displayed by the push notification (card use real-time notification) PN is not limited to these words.

  In either case of the push notification PN1 or PN2, when the push notification PN1 or PN2 is tapped (pressed) by the user (step T23 (Yes)), the CPU 21 activates the card use dedicated application 22p2 (step T24). As shown in FIG. 13, the details of the current push notification (card use real-time notification) PNn (“there was a card used.” “5 minutes ago” “○ month x day” “￥ ○ ○」 ”“ EFGH ten)) The use notification list screen GL in which the PND is added to the top as the latest notification is displayed on the touch panel display unit 25 (step T25).

  Here, when the statement PND of the card use real-time notice displayed on the use notice list screen GL is tapped (pressed), a use statement display process is executed as shown in FIG. 12 (step T26).

  As a result, the details of the use of the card user, including the details of the use of the unconfirmed card notified by the real-time card use notification, such as “date of use, amount of use, and store (member store name)”, are used to determine the amount of use of the card. You can check immediately without waiting.

  The details of the usage statement display process (step T26) will be described later.

<Card usage management server 10: Data acquisition / transmission processing for home screen generation> (see FIG. 7)
When the card use dedicated application 22p2 of the user terminal 20 is started and the card use management server 10 receives the user ID of the card user, the card use management server 10 causes the home screen generation data acquisition application When 12p3 is activated (step S12), the CPU 11 reads the card number included in the user ID data 12d1 based on the received user ID, and stores the authorization data 12d4 associated with the read card number. It is determined whether or not it has been performed (step S121).

  When it is determined that the authorization data 12d4 of the card number corresponding to the user ID received from the user terminal 20 is stored (step S121 (Yes)), the CPU 11 reads the authorization data 12d4 of the card number. (Step S122), and reads and acquires the credit data 12d5 associated with the card number (step S123).

  If the authorization data 12d4 of the card number corresponding to the user ID received from the user terminal 20 is not stored (step S121 (No)), only the credit data 12d5 associated with the card number is stored. It is read and obtained (step S123).

  The CPU 11 activates the payment calculation application 12p2, and based on the authorization data 12d4, the credit data 12d5 corresponding to the card number obtained in steps S121 to S123, and the usage period data 12d6 stored in advance, the corresponding card. The payment amount for each predetermined use period of the user is calculated and stored as the payment amount data 12d7 (step S124).

  The CPU 11 determines whether the calculated payment amount for each predetermined use period includes the payment amount based on the authorization data 12d4 (step S125), and determines that the payment amount based on the authorization data 12d4 is included. In step S125, the calculated payment amount for each predetermined use period and the payment amount based on the authorization data 12d4 are transmitted to the user terminal 20 as home screen generation data (step S125 (Yes) → S126). When it is determined that the payment amount based on 12d4 is not included, the calculated payment amount for each predetermined use period is transmitted to the user terminal 20 as home screen generation data (step S125 (No) → S127). ).

  In addition, the CPU 11 sets the setting data of the notification of the estimated amount of use of the card user to [ON] based on the user setting data 12d2 associated with the card number of the user ID received from the user terminal 20. It is determined whether or not it is [ON], and if it is determined that it is [ON], the reference amount (one or more) of the user setting data 12d2 is read and transmitted to the user terminal 20 as home screen generation data (step S128 (Yes) → S129).

<User terminal 20: home screen generation / display processing> (FIG. 7)
When the user terminal 20 receives the home screen generation data transmitted from the card usage management server 10 (step T141), the CPU 21 determines whether or not the home screen generation data includes a reference amount. (Step T142).

  When it is determined that the reference amount is included in the home screen generation data (step T142 (Yes)), the CPU 21 determines, for each predetermined usage period included in the home screen generation data, as illustrated in FIG. The home screens GH1 and GH2 of image images showing the payment amount graph PG corresponding to the payment amount, the reference amount line LS corresponding to the reference amount, and the reference amount mark M are generated (step T143).

  Further, when it is determined that the reference amount is not included in the home screen generation data (step T142 (No)), the CPU 21 sets the payment amount for each predetermined use period included in the home screen generation data. The home screens GH1 and GH2 of the image showing the corresponding payment graph PG are generated (step T144).

  In addition, the CPU 21 determines whether the received home screen generation data includes the payment amount based on the authorization data 12d4 (step T145), and determines that the payment amount based on the authorization data 12d4 is included. (Step T145 (Yes)), the portion corresponding to the payment amount based on the authorization data 12d4 among the image images of the payment amount graphs PG included in the generated home screens GH1 and GH2 for each predetermined use period, For example, by adding a diagonal line, it is identified and processed as the undetermined use amount NT (step T146).

  The generated home screens GH1 and GH2 for each predetermined use period are provided with, for example, a payment amount number and a [Detail] button BD on the right side of the payment amount graph PG, and also display the screens GH1 and GH2. For example, a [Setting] button BS is added to the upper right, and the generated home screens GH1 and GH2 are displayed on the touch panel display unit 25 as shown in FIG. 8 (step T147).

  In FIG. 8A, a home screen GH1 shown as “Payment status in February 2019” is shown, and in FIG. 8B, a home screen GH2 shown as “Payment status in March 2019” is displayed. The home screen GHn for each usage period is scrolled and displayed on the touch panel display unit 25 by, for example, sliding in the horizontal direction. In the embodiment of the home screen GHn, although not shown, on the home screen showing “payment status after April, 2019”, that is, the payment status after the next two months, each month after the next two months (for example, four months) )) And the [Details] button BD are displayed in parallel in one screen, and either one month is displayed as one screen or a plurality of months is displayed as one screen. It may be.

  As described above, the home screen GHn displayed on the user terminal 20 displays the payment amount of the card usage for each predetermined card usage period (if there is authorization data, the payment amount including the payment amount based on the authorization data). Is displayed not only in an easy-to-understand manner with the numbers and the payment amount graph PG, but also when the card user has set the estimated usage amount notification to [ON], the card usage is displayed for the payment amount graph PG. Since the reference line LS corresponding to the reference amount set by the user himself is displayed, for example, in comparison with the reference mark M of a bell mark for warning or caution, the card user can display the home screen GHn. Each time you open the card, you can check at a glance whether the payment amount including the undecided card usage amount has reached the standard amount set by the card user at a glance, and there is no excessive use of the card. It is possible to use the card with peace of mind to.

  Further, the payment amount graph PG of the home screen GHn displayed on the user terminal 20 includes the payment amount based on the authorization data received from the member store terminal 30 among the payment amounts indicated by the payment amount graph PG. In this case, the portion corresponding to the payment amount based on the authorization data 12d4 is identified and displayed as the undetermined use amount NT, so that the card user can perform the card use real-time notification based on the push notification PN1 or PN2 described above. Not only the payment amount graph PG on the home screen GHn can be used to immediately confirm the undetermined usage amount of the card without waiting for the determination of the card usage amount.

<Usage statement display processing> (FIG. 12)
FIG. 12 is a flowchart showing a usage statement display process executed in cooperation between the card usage management server 10 and the user terminal 20.

  FIG. 14 is a diagram illustrating an example of the usage statement screen GD displayed on the user terminal 20 according to the usage statement display process.

  In the user terminal 20, for example, the detailed PND of the push notification (card real-time notification) PNn displayed on the usage notification list screen GL as shown in FIG. 13 is tapped (pressed) by the user, or FIG. When the [Detail] button BD provided on the home screen GH is touched (pressed) by the user as shown in (2) (step T31), the CPU 21 manages the data requesting the usage details together with the user ID and the card usage management. The data is transmitted to the server 10 (step T32).

  When the card usage management server 10 receives the user ID and the data requesting the usage details transmitted from the user terminal 20 (step S31) (specification request receiving means), the CPU 11 executes the received user ID Then, the card number included in the user ID data 12d1 is read out, and it is determined whether the authorization data 12d4 associated with the read out card number is stored (step S32).

  When it is determined that the authorization data 12d4 of the card number corresponding to the user ID is stored (step S32 (Yes)), the CPU 11 reads and acquires the authorization data 12d4 of the card number (step S33). In addition, the credit data 12d5 associated with the card number is read and acquired (step S34).

  If the authorization data 12d4 of the card number corresponding to the user ID is not stored (step S32 (No)), only the credit data 12d5 associated with the card number is read and acquired (step S34). .

  The CPU 11 activates the payment calculation application 12p2, and based on the authorization data 12d4, the credit data 12d5 corresponding to the card number obtained in steps S32 to S34, and the usage period data 12d6 stored in advance, the relevant card. The payment amount for each predetermined use period of the user is calculated and stored as the payment amount data 12d7 (step S35).

  As the usage specification data corresponding to the authorization data 12d4, as well as the “date of use” and “usage amount” included in the authorization data 12d4, as shown in FIG. 6, a member is obtained based on the terminal identification number included in the authorization data 12d4. Generates usage statement data to which the “member store name (user shop)” read from the shop data 12d3 is added, and adds undetermined usage information indicating that the card usage is undetermined (step S36) (step S36) Generating means).

  The CPU 11 uses the usage details data “use date, usage amount, member store name (user store)” corresponding to the authorization data 12d4 to which the unconfirmed usage information is added, and the usage details for each usage amount corresponding to the credit data 12d5. Based on the user ID, the data “date of use, amount of use, name of member store (store of use)” and data of the calculated amount of payment for each use period are transmitted to the user terminal 20 that has requested the detailed data. (Steps S36 and S37) (Usage statement transmitting means).

  When the user terminal 20 receives the statement data for each card use and the data of the payment amount for each predetermined use period transmitted from the card use management server 10 (step T33 (Yes)) (use statement receiving means) For example, as shown in FIG. 14, the CPU 21 converts the detailed data D1 corresponding to the authorization data 12d4 with the unconfirmed use information out of the received detailed data for each card use into the unconfirmed card use. .., Which are made identifiable by adding an unconfirmed message NTm notifying that there is, and including the payment amount of the corresponding usage period (here, the payment on March 27). A statement screen GD is generated (step T34) and displayed on the touch panel display unit 25 (step T35) (use statement display control means).

  As described above, in the usage statement screen GD displayed on the user terminal 20, the undetermined statement data D1 based on the authorization data 12d4 corresponding to the card usage is the same as the statement data D2, D3,. Can be displayed as detailed data including “date of use, amount of use, name of member store (store used)”, and undecided message NTm is added to detailed data D1 based on authorization data 12d4 for identification. Displayed as possible. Note that the undetermined message NTm may be a message notifying the time, such as “5 minutes ago”. Therefore, not only the real-time card use notification by the push notification PN1 or PN2 and the identification display of the unconfirmed use amount NT of the payment amount graph PG on the home screen GHn but also the unconfirmed card on the use detail screen GD The usage details including the usage amount can be immediately reflected, identified, and confirmed without waiting for the determination of the card usage amount.

<Use amount guide notification process> (FIG. 15)
FIG. 15 is a flowchart showing the estimated usage amount notification process executed in cooperation between the card usage management server 10 and the user terminal 20.

  FIG. 16 is a diagram illustrating an example of the estimated amount reaching notification PA displayed as a push notification on the standby screen GW of the user terminal 20 according to the estimated usage amount notification process.

  In response to the card user using the card at the member store of the card, the authorization data corresponding to the use of the card transmitted from the member store terminal 30 to the card settlement online network SN is transmitted to the card settlement online network SN. When the card usage management server 10 receives the authorization data (card number, usage date and time, usage amount, payment method, terminal identification number), the card usage management server 10 receives the authorization data (step S41 (Yes)). ) 12d4 is stored in the management data storage area 12D of the storage unit 12 (step S42).

  The CPU 11 determines, based on the user setting data 12d2 stored in the management data storage area 12D, whether the setting data of the “use amount guide notification” associated with the card number of the card user is [ON]. Is determined (step S43 (Yes)).

  If it is determined that the setting data of the “use amount guide notification” of the card user is “ON” (step S43 (Yes)), the CPU 11 sets the card user's own data included in the user setting data 12d2. The data of the estimated amount (one or more) is read and obtained (step S44).

  Further, based on the card user's authorization data 12d4 stored in the management data storage area 12D in step S42 and the credit data 12d5 already stored, a predetermined card including a card usage whose payment has not been determined is included. The payment amount for the use period is calculated (step S45), and it is determined whether or not the calculated payment amount has reached the standard amount acquired in step S44 (step S46).

  Then, when it is determined that the calculated payment amount of the card use period has reached the reference amount (step S46 (Yes)), the CPU 11 has reached the reference amount of the card use period. A notice of reaching the estimated amount including a message notifying the card user of the fact is generated (step S47).

  Further, the CPU 11 reads and acquires the terminal device number of the user terminal 20 included in the user ID data 12d1 (step S48), sets the acquired terminal device number as the transmission destination, and sets the estimated amount generated in step S47. The arrival notification is transmitted to the user terminal 20 as a push notification (step S49).

  When the user terminal 20 receives the push notification (notification arrival notification) transmitted from the card usage management server 10 (step T41 (Yes)), the CPU 21 follows the push notification receiving application 22p3, for example, as shown in FIG. As shown in (2), the received push notification (indication of reaching the estimated amount) PA is displayed on the standby screen GW of the touch panel display unit 25 (step T42).

  The push notification (indication of reaching the estimated amount) PA shown in FIG. 16 shows an embodiment in which a message “the card usage amount of this month has reached the set estimated amount” is displayed.

  If the user taps (presses) the push notification (notice of arrival notification) PA (step T43 (Yes)), the CPU 21 activates the card use dedicated application 22p2, and activates the card user ID (identification number). ) Is transmitted to the card usage management server 10 (step T44), and the home screen generation / display processing described above with reference to FIG. 7 is performed in cooperation with the home screen generation data acquisition / transmission processing of the card usage management server 10. Execute (Step T14).

  Then, for example, as shown in FIG. 8A, a home screen GH1 including an image image in which the estimated amount line LS is displayed in comparison with the payment amount graph PG is generated and displayed on the touch panel display unit 25. .

  As described above, when the card user has set the notification of the estimated amount of use to [ON], according to the use of the card, the amount of use of the card whose payment calculated including the authorization data 12d4 has not been determined is used. Each time the payment amount during the predetermined card usage period reaches the standard amount (one or more) set by the card user, the card usage management server 10 sends a push notification (standard amount) to the user terminal 20. An arrival notification) PA is transmitted and displayed on the standby screen GW of the user terminal 20.

  Therefore, the card user can easily know immediately that the payment amount for the predetermined card use period including the use of the card has reached the standard amount without waiting for the determination of the card use amount from the card use. it can.

  Moreover, when the push notification (indication of reaching the estimated amount) PA is touched (pressed), an image image in which the estimated amount line LS (one or more) is displayed on the payment amount graph PG for each predetermined card use period is displayed. Since the home screen GHn is displayed, it is possible to check at a glance whether or not the payment amount for one month of using the card has reached the monthly amount set by the card user himself, including the degree of the arrival. This makes it possible to use the card without worrying that the card will not be used too much.

  In the notification of the estimated amount of use described above with reference to FIG. 15, every time the authorization data 12d4 corresponding to the card usage of the card user is received, the payment amount of the card usage period including the authorization data 12d4 is repeatedly calculated. Then, it is configured to determine whether the calculated payment amount has reached the set reference amount. For example, the payment amount for the card usage period including the authorization data 12d4 is calculated several times a day at regular time intervals. Alternatively, a configuration may be adopted in which it is determined whether the calculated payment amount has reached the set reference amount.

<Use amount determination processing> (FIG. 17)
FIG. 17 is a flowchart showing a usage amount determination process executed by the card usage management server 10.

  In the card usage management server 10, after a certain period of time, such as a few days after the card user uses the card, via the card payment online network SN, for example, from the server of the international brand card company, the determined data of the card usage amount Is received (step S51 (Yes)), the CPU 11 converts the received card usage amount determination data into the card user's card number, date and time of use, name of the participating member store, usage amount (including payment method). Is stored in the management data storage area 12D as the receivable data 12d5 including the respective data (step S52).

  Then, the authorization data 12d4 corresponding to the received card usage amount determination data is invalidated (step S53).

<Summary of Embodiment>
Therefore, according to the card use management system of the embodiment, the card number, the use date, the use amount, and the terminal identification number transmitted from the member store terminal 30 to the card settlement online network SN in accordance with the card use of the card user are set. When the authorization data including the authorization data is received by the card usage management server 10, the card usage management server 10 reads the member store name corresponding to the terminal identification number from the member store data 12d3 based on the received authorization data 12d4. get.

  Then, a card use real-time notification including a use date, a use amount, and a store (member store name) for notifying the card use to the card user is generated, and the user terminal corresponding to the card number is obtained from the user ID data 12d1. The terminal device number 20 is read and acquired, the acquired terminal device number is set as a transmission destination, and a card use real-time notification is transmitted to the user terminal 20 as a push notification.

  The user terminal 20 receives the push notification (card use real-time notification) PN transmitted from the card use management server 10, displays the push notification PN on the standby screen GW of the touch panel display unit 25, and also displays the details on the use notification list screen GL. A PND is added and displayed.

  As a result, the card user can not only immediately confirm the use of the card after the use of the card, but also easily understand the contents of the use, and immediately detect an unauthorized use of the card. become able to.

  Further, according to the card usage management system of the embodiment, when the detailed PND of the push notification (card real-time notification) PN displayed on the usage notification list screen GL is touched (pressed) on the user terminal 20, the usage is started. In response to the usage specification request data transmitted from the user terminal 20 to the card usage management server 10 together with the user ID, the card usage management server 10 sets the card associated with the user ID included in the user ID data 12d1. Based on the authorization data 12d4 of the number and the member store data 12d3, detailed data including the date of use of the card, the amount used, and the store (member store name) are generated.

  Then, the undefined usage information is added to the detailed data generated based on the authorization data 12d4, and the detailed data with the undetermined usage information is added to the detailed data for each usage acquired based on the credit data 12d5 of the same card number. The data is transmitted to the user terminal 20 together with the data.

  The user terminal 20 receives the specification data D1, D2,... Based on the authorization data 12d4 and the credit data 12d5 transmitted from the card usage management server 10, and receives the specification data based on the authorization data 12d4 to which the undetermined usage information is added. In a state where the unconfirmed message NTm is added to D1 to make it identifiable, a usage detail screen GD listing each detail data D1, D2,... Is displayed on the touch panel display unit 25.

  As a result, the card user can confirm the contents of the card use immediately after the use of the card by using the push notification (card real-time notification) PN, as well as the details of the use of the card whose payment has not been confirmed. Can be immediately reflected on the usage statement screen GD for identification and display, and can be immediately confirmed.

  Further, according to the card usage management system of the embodiment, the card usage management server 10 is configured to store the predetermined card including the payment amount of the card user based on the authorization data 12d4 and the payment amount of the card user based on the credit data 12d5. The payment amount for the usage period is calculated, and the calculated payment amount data is transmitted to the user terminal 20 together with the payment amount data based on the authorization data 12d4 included in the payment amount for the card usage period.

  The user terminal 20 generates a home screen GH in which the payment amount graph PG indicating the amount of the payment amount received from the card usage management server 10 is displayed together with the number of the payment amount, and causes the touch panel display unit 25 to display the home screen GH. . At this time, the portion corresponding to the payment amount based on the received authorization data 12d4 in the payment amount graph PG on the home screen GH is identified and displayed as the unconfirmed use amount NT.

  Thereby, the card user can use the payment amount graph PG on the home screen GH to wait for the payment of the undetermined card usage without waiting for the determination of the card usage amount, not limited to the push notification (card real-time notification) PN. Be able to confirm immediately.

  In the above-described embodiment, the card use real-time notification PN and the reference amount arrival notification PA generated by the card use management server 10 are both push notifications using the terminal device number of the user terminal 20 as the transmission destination. However, the present invention is not limited to this. For example, the e-mail address of the user terminal 20 is transmitted by e-mail as a transmission destination, or the telephone number of the user terminal 20 is transmitted by short mail as a transmission destination. It may be configured.

  In the above-described embodiment, the member store terminal 30 is not limited to a terminal installed in an actual store, but can be similarly implemented in the case of a member store (net shop) server on the Internet. Of course.

  The method of each process by the card use management server 10 and the user terminal 20 of the card use management system described in each of the above embodiments, that is, the card use notification setting process shown in the flowchart of FIG. 4 and the card shown in the flowchart of FIG. Usage real-time notification processing, home screen generation data acquisition / transmission processing and home screen generation / display processing shown in the flowchart of FIG. 7, usage statement display processing shown in the flowchart of FIG. 12, and estimated usage amount notification processing shown in the flowchart of FIG. Each of the methods shown in the flowchart of FIG. 17, such as the use amount determination process, can be executed by a computer as a program such as a memory card (ROM card, RAM card, etc.), a magnetic disk (floppy (registered trademark) disk, Hard disk, etc.), optical disk (CD-R) M, DVD, etc.), can be distributed by storing in a recording medium such as a semiconductor memory.

  Further, data of a program for realizing each method of each of the embodiments can be transmitted on a communication network in the form of a program code, and the program data is transferred to a computer of an electronic device connected to the communication network ( Various functions including the card real-time notification function, the usage statement providing function, and the estimated usage amount notification function described above can also be realized by taking the data into the processor) by the communication unit.

  The present invention is not limited to the above-described embodiment, and can be variously modified in an implementation stage without departing from the gist of the invention. In addition, the embodiments may be combined as appropriate, and in that case, the combined effect is obtained. Furthermore, the above-described embodiment includes various inventions, and various inventions can be extracted by combinations selected from a plurality of disclosed constituent features. For example, even if some components are deleted from all the components shown in the embodiment, if the problem can be solved and an effect can be obtained, a configuration from which the components are deleted can be extracted as an invention.

10 Card usage management server 12d1 User ID data 12d2 User setting data 12d3 Member store data 12d4 Authorization data 12d5 Bond data 12d6 Usage period data 12d7 Payment amount data 20 User terminal 25 Touch panel type Display unit 30: Member store terminal SN: Card payment online network IN: Communication network (Internet)
GH… Home screen BD… [Detail] button BS… [Setting] button PG… Payment amount graph NT… Previous usage LS… Estimated amount line M… Estimated amount mark GS… Application setting screen GM… Estimated amount input screen GW… Screen PN… Push notification (Real-time notification using card)
GL: Usage notification list screen PND: Details of real-time card usage notification GD: Usage details screen Dn: Usage details data NTm: Unconfirmed message PA: Push notification (notification of estimated amount)

Claims (7)

Authorization data receiving means for receiving authorization data including card number, date of use, amount of use, terminal identification information of the merchant terminal transmitted from the merchant terminal of the card merchant to the network,
Member store data storage means for storing the card member store identification information and the terminal identification information of the member store terminal in association with each other,
Member store data acquisition means for acquiring the card member store identification information from the member store data storage means, based on the terminal identification information of the member store terminal included in the authorization data received by the authorization data reception means,
Notification for notifying the use date and amount of the card included in the authorization data received by the authorization data receiving means , and the use of the card including the card member store identification information acquired by the member store data acquisition means Usage notification generating means for generating data;
User data storage means storing the user identification information of the card, the card number of the card, and the terminal device information of the card user terminal in association with each other;
A terminal device information acquisition unit that acquires terminal device information of the card user terminal from the user data storage unit based on a card number included in the authorization data received by the authorization data reception unit;
Based on the terminal device information acquired by the terminal device information acquisition unit, the notification data generated by the use notification generation unit is transmitted to the card user terminal, and the notification data is displayed on the card user terminal. Means for transmitting a use notification,
In response to a user operation on the card user terminal on which the notification data is displayed, a statement request for receiving data requesting a statement of use of the card transmitted from the card user terminal together with user identification information of the card Receiving means;
The card number of the card is obtained from the user data storage means based on the user identification information received together with the data requesting the usage specification by the specification request receiving means, and the authorization data received by the authorization data receiving means is obtained. Usage data that generates detailed data of card usage including the usage date and usage amount associated with the obtained card number included in the data and the card member store identification information obtained by the member store data obtaining means. Statement generation means;
The statement data generated by the usage statement generating means is added to the statement data based on the authorization data with unconfirmed usage information indicating that the card is for an undecided card usage, and the request card for the usage statement is used. Usage statement transmitting means for transmitting the statement data to the card user terminal and displaying the statement data with the undecided information added to the statement data to which the undecided usage information is added,
Card use management device equipped with. Claim data storage means for storing claim data including the card number, date of use, and amount of use of the card for which use of the card has been confirmed;
Payment amount calculation means for calculating a payment amount for use of the card based on the authorization data received by the authorization data reception means and the credit data stored in the credit data storage means,
Payment amount transmitting means for transmitting data of the payment amount calculated by the payment amount calculating means and data of the payment amount calculated based on the authorization data included in the payment amount to a user terminal of a user of the card. When,
The card usage management device according to claim 1 , further comprising: The terminal device information is a terminal device number,
The usage notification transmitting unit transmits the notification data generated by the usage notification generation unit to the card user terminal as a push notification,
The card usage management device according to claim 1 or 2 . The terminal device information is a mail address,
The use notification transmitting unit transmits the notification data generated by the use notification generation unit to the card user terminal as mail.
The card usage management device according to claim 1 or 2 . By the processor of the card usage management device,
Upon receiving authorization data including the card number, date of use, amount of use, and terminal identification information of the merchant terminal transmitted from the merchant terminal of the card merchant to the network,
Member store data storing means for storing identification information of the card member store and terminal identification information of the member store terminal in association with each other based on the terminal identification information of the member store terminal included in the received authorization data. Obtains the identification information of the card member store from
The date of use of the card included in the received authorization data, the amount of use, and notification data for notifying the use of the card including the identification information of the acquired card member store,
User data storage that stores user identification information of the card, card number of the card, and terminal device information of a card user terminal in association with each other based on the card number included in the received authorization data. Acquiring terminal device information of the card user terminal from the means,
Based on the obtained terminal device information, transmit the generated notification data to the card user terminal, and display the notification data on the card user terminal ,
In response to a user operation on the card user terminal in which the notification data is displayed, data requesting a statement of use of the card transmitted from the card user terminal is received together with user identification information of the card,
Based on the user identification information received together with the data requesting the usage statement, obtains the card number of the card from the user data storage means, and obtains the obtained card number included in the received authorization data Generate usage data of the card including the usage date, usage amount, and the acquired identification information of the card member store associated with
The generated detail data is transmitted to the detail-based data based on the authorization data, with unconfirmed usage information indicating that it is an unconfirmed card use amount, to the card user terminal that has requested the usage details. Causing the card user terminal to display the detailed data, and to display the detailed data to which the unconfirmed use information is added with unconfirmed information;
Card usage management method. The processor of the card usage management device,
Authorization data receiving means for receiving authorization data including card number, date of use, amount of use, terminal identification information of the merchant terminal transmitted from the merchant terminal of the card merchant to the network,
Based on the terminal identification information of the member store terminal included in the authorization data received by the authorization data receiving means, the identification information of the card member store and the terminal identification information of the member store terminal are stored in association with each other. Member store data acquisition means for acquiring the identification information of the card member store from the member store data storage means,
Notification for notifying the use date and amount of the card included in the authorization data received by the authorization data receiving means , and the use of the card including the card member store identification information acquired by the member store data acquisition means Usage notification generation means for generating data,
Based on the card number included in the authorization data received by the authorization data receiving means, the user identification information of the card, the card number of the card, and the terminal device information of the card user terminal are stored in association with each other. terminal device information acquisition unit from the user data storage means are for obtaining terminal equipment information of the card user terminal,
Based on the terminal device information acquired by the terminal device information acquisition unit, the notification data generated by the use notification generation unit is transmitted to the card user terminal, and the notification data is displayed on the card user terminal. Usage notification sending means,
In response to a user operation on the card user terminal on which the notification data is displayed, a statement request for receiving data requesting a statement of use of the card transmitted from the card user terminal together with user identification information of the card Receiving means,
The card number of the card is obtained from the user data storage means based on the user identification information received together with the data requesting the usage specification by the specification request receiving means, and the authorization data received by the authorization data receiving means is obtained. Usage data that generates detailed data of card usage including the usage date and usage amount associated with the obtained card number included in the data and the card member store identification information obtained by the member store data obtaining means. Statement generation means,
The statement data generated by the usage statement generating means is added to the statement data based on the authorization data with unconfirmed usage information indicating that the card is for an undecided card usage, and the request card for the usage statement is used. Usage statement transmitting means for transmitting the detail data to the card user terminal, displaying the detail data to which the undetermined usage information is added with undecided information,
A program of the card usage management device to function as a device. A program of a card user terminal having a communication function with the card use management device according to claim 1,
The processor of the card user terminal,
Utilization notification reception means for receiving notification data transmitted by the utilization notification transmission means of the card use management apparatus,
Usage notification display control means for displaying on the display unit as a push notification the use date of the card included in the notification data received by the usage notification receiving means , the usage amount, and the identification information of the card member store ,
According to a user operation from a state in which the usage notification display control means displays the card usage date, usage amount, and card member store identification information as a push notification, the data for requesting the usage details of the card is transmitted to the user. Statement request sending means for sending to the card use management device together with card user identification information,
Statement receiving means for receiving statement data transmitted by the statement transmitting means of the card use management device in response to transmission of data requesting statement of use of the card by the statement request transmitting means;
The date of use of the card, the amount used, and the identification information of the card member store contained in the detailed data received by the detailed data receiving means, and the unconfirmed information when the unconfirmed use information is added to the detailed data. A statement display control means for adding and displaying on the display unit;
The program of the card user terminal to function as.