JP6817391B1 - Credit card usage management system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a credit card usage management system capable of appropriately processing a credit card usage when the credit card usage does not meet the credit card usage conditions for each specific member store. A credit card usage management system receives purchase information and determines that the content of the purchase information does not conflict with the sub-restriction stored in the sub-restriction storage means, and the judgment is NO. At that time, the purchase application is put on hold, and there is an inquiry means for sending inquiry information inquiring whether the purchase application is the customer himself / herself to the purchase application terminal, and there is a reply that the inquiry information is not the customer himself / herself. At that time, the purchase application will be invalidated and the procedure for prohibiting the use of the credit card will be started. On the other hand, when the customer responds that he / she is the customer himself / herself, the sub-use restriction will be lifted for a predetermined time and the fact will be indicated. It is provided with a purchase application processing means for transmitting information to the purchase application terminal. [Selection diagram] Fig. 1

Description

The present invention relates to a credit card usage management system, and more particularly to a credit card usage management system capable of preventing unauthorized use of a credit card by another person.

A technique disclosed in Japanese Patent No. 6047619 is known as a method for controlling and managing a payment card through usage parameters by a payment card holder including a credit card.
The technology disclosed in the gazette can specifically define rules for the usage parameters so that the payment card holder can select the usage parameters and manage and safeguard the payment card. It provides that, based on the occurrence of certain usage parameters, it sends a message to reject the transaction and, at the same time, provides an analysis of the payment cardholder's transaction. Be done.

While payment cards are currently a convenient and secure way to make payments, there are risks associated with using payment cards, especially in remote areas. After all, some payment card holders have doubts about the significance of using payment cards because it is impossible to eliminate all the risks. The reaction of cardholders when they become aware of the risks and feel uneasy about using payment cards results in a decrease in trust and credit in financial institutions. This is because the financial institution's reaction to the risk of fraud sometimes does not explicitly show to payment card holders that the financial institution is actively fighting fraud. Without trust in financial institutions, some payment card holders will make cash purchases that may be at risk, which will lead to a decrease in payment card transaction volumes.

In addition, some payment card holders are hesitant to use payment cards because of the loss of control over their spending. When cash is used, stakeholders can determine how much they have spent by at least monitoring the money spent and determining the amount of cash remaining in the party's wallet. The problem with dealing with cash is that it is difficult to track the total amount spent over a period of time and requires manual calculations by stakeholders. For example, if a stakeholder wants to determine how much money has been spent on a particular day at a particular store, or for a particular type of product over a period of time, such as a week, the stakeholder manually , The consumption pattern must be analyzed by calculating the total for each of the above items using the receipt.

Therefore, by giving payment card holders a great deal of confidence in using payment cards and encouraging payment card holders to use payment cards for all transactions, they control their spending and use of payment cards. It is beneficial to allow payment card holders to manage.

Therefore, in the technique disclosed in the above-mentioned publication, first, a management platform is used to configure a set of usage parameters for the use of payment cards. The payment card is then associated with the management platform, allowing the payment card holder to select one or more usage parameters. The cardholder defines rules for each of the usage parameters based on the selected usage parameters, and a set of cardholder parameters is associated with the payment card. The rules defined by the cardholder determine which transactions are acceptable and which are unacceptable for the payment card. The management platform then intercepts the approval for each payment card transaction, and each transaction is either an acceptable or unacceptable transaction based on said payment card holder parameters. To identify. Finally, notify the payment card holder, if any, that there is at least one unacceptable transaction.

A second way to provide a payment card holder with control over a payment card is to use a management platform to configure a set of usage parameters for the use of that payment card. The payment card is then associated with its management platform, allowing payment card holders to select one or more usage parameters. Based on the usage parameters selected, a set of cardholder parameters is associated with the payment card, and the set contains defining rules that determine which transactions are acceptable and unacceptable for the payment card. The management platform then intercepts the approval for each transaction on the payment card, and the management platform then, based on said payment card holder parameters, each of the transactions is an acceptable or unacceptable transaction. Identify if. Finally, the management platform rejects at least one certification for transactions that are identified as one of the unacceptable transactions by this payment cardholder parameter.

A third method of providing payment card holders with the ability to manage payment cards is to use a management platform to construct a set of usage parameters for the use of that payment card. The payment card is then associated with the management platform, allowing the payment card holder to select one or more usage parameters. Based on these usage parameters selected, a set of cardholder parameters is associated with the payment card, and the set is budget-defined for acceptable and unacceptable transactions for the payment card. It contains definition rules to determine. The management platform then intercepts each transaction on the payment card and identifies whether each transaction is an acceptable or unacceptable transaction based on said payment card holder parameters. Finally, the management platform displays information about the selected set of transactions via the user interface based on the set of all transactions for the payment card.
According to the above-mentioned technology, a predetermined effect is recognized in preventing fraudulent use of a credit card.

By the way, as one of the measures against fraudulent use of credit cards, apart from the main usage restrictions (mainly the usage limits), which are the original usage restrictions of credit cards, the main usage restrictions are applied to specific member stores (of credit cards). There is a system that sets a secondary usage limit (mainly a usage limit lower than the main usage limit) set within the framework of.

In this system, when the original credit card usage limit is 500,000 yen, the usage limit is set to 100,000 yen for the member store A, which is a specific member store.
In the conventional system of this type, when the payment amount by credit card at the member store A, which is the specific member store, exceeds the sub-usage limit, the credit card company side names the credit card. It is confirmed by telephone to a person (the telephone number is registered in advance), and when this confirmation is obtained, the transaction is concluded, and when the confirmation cannot be obtained, it is judged that the credit card is illegally used and the transaction is executed. Not only will it fail, but the credit card will be invalidated. Therefore, the credit card cannot be used after that.

The above technologies have some effect in preventing fraudulent use of credit cards, but customers often cannot answer the phone, and even in that case, it is inconvenient because they cannot purchase them. On the other hand, on the store side, sales opportunities will be missed.

Japanese Unexamined Patent Publication No. 2013-178695

Therefore, an object of the present invention is to provide a credit card usage management system capable of appropriately processing a credit card usage condition that does not meet the credit card usage conditions of each specific member store.

The above object is achieved by the credit card usage management system having the following configurations (1) to ( 5 ) of the present invention.
(1)
In addition to the main usage restriction, which is the original usage restriction of credit cards, in the credit card usage management system in which the secondary usage restriction set within the framework of the main usage restriction is provided for a specific member store.
On the customer side
It is equipped with a customer-side information receiving terminal for receiving information from a credit card company, and a purchase application terminal for transmitting purchase information including a credit card number and a member store ID so that a customer can apply for a purchase of a product or service.
On the credit card company side,
A means of storing a telephone number or the like that stores the telephone number or email address of the customer-side information receiving terminal,
Conditional storage means for each member store, which stores the sub-use restrictions for the specific member store in advance .
A determining means for receiving purchase information from the purchase application terminal and determining that the content of the purchase information does not conflict with the secondary usage restriction stored in advance in the secondary restriction storage means.
When this judgment is NO, the purchase application is put on hold, and the customer side information receiving terminal is notified of "specific information of the credit card", "transaction hold", and "hold" for the purchase application. Enter the text of "The details of the transaction", "Select button for" Yes "and" No "for personal use" and information to identify the person to confirm whether the credit card holder was used. An inquiry means for transmitting inquiry information including a URL for uploading an identity verification screen including an "identity verification information entry field" and displaying this inquiry information on the monitor of the customer side information receiving terminal.
When there is a reply that the customer is not the customer in response to this inquiry information , or when the answer to the inquiry information is incorrect, the purchase application is invalidated and the procedure for prohibiting the use of the credit card is started. on the other hand, when it is answered with a customer identity, the both the sub use limit you release a predetermined time, the purchase application processing means for transmitting information to that effect to the purchase application terminals are provided A credit card usage management system featuring.
(2)
The credit card usage management system according to (1) above, wherein the purchase application terminal is a purchase application terminal on the customer side or a purchase application terminal on the member store side .
(3)
The credit card usage management system according to (1) or (2), wherein the customer-side information receiving terminal is a multifunctional telephone.
(4)
The inquiry means is the credit card usage management system according to ( 3) , wherein the inquiry information is transmitted by a short mail service using the telephone number of the multifunctional telephone.
(5)
The credit card usage management system according to any one of (1) to ( 4) above, wherein the predetermined time is 30 minutes to 24 hours.

comment

The major points of the above correction are the following two points.
1. 1. Corrected "sub-restricted storage means" to "conditional storage means for each member store".
2. 2. One question is that the inquiry information " includes the URL for uploading the identity verification screen including the" identity verification information entry field "for entering information to identify the person ." Please tell me the reason why you decided to call it by URL.

In the credit card usage management system of the present invention, apart from the main usage restriction which is the original usage restriction of the credit card as described above, the sub-usage restriction defined within the framework of the main usage restriction for the specific member store When the credit card holder determines that the content of the purchase information does not violate the sub-restriction stored in the sub-restriction storage means and confirms that it does not violate the credit card usage management system provided with Since the above-mentioned sub-use restriction has been lifted for a predetermined time so that the purchase for that purpose can be completed, it is highly convenient for the customer himself / herself while effectively preventing the unauthorized use of the credit card. On the other hand, on the store side, you can use your credit card safely without missing a sales opportunity.

It is a schematic diagram for demonstrating the outline of the credit card use management system by embodiment of this invention. It is a schematic diagram for demonstrating the outline at the time of performing identity verification using the credit card use management system shown in FIG.

Hereinafter, the credit card usage management system according to the embodiment of the present invention will be described with reference to the accompanying drawings.
FIG. 1 is a schematic diagram of a credit card usage management system according to an embodiment of the present invention.

This credit card usage management system includes a multifunctional mobile phone 10 which is a customer terminal used when applying for and using a credit card, a core server 30 of the credit card usage management system, a fraud detection server 40 which detects fraudulent use of a credit card, and identity verification. It includes a server 50 and a member store terminal 60 on the store side, which is a member store of this credit card usage management system.
The customer terminal may be a normal personal computer, a tablet-type personal computer, or the like, in addition to the multifunctional mobile phone.

The multifunctional mobile phone (hereinafter, also referred to as a customer terminal) 10 includes a telephone central arithmetic circuit 12, an input means 14 such as a touch panel, an imaging means 16 which is a camera, and a kanji name of a holder of the multifunctional mobile phone. It includes a main memory 18 that stores a terminal ID, a mobile phone number, a mobile phone mail address, etc., a memory 20 for a credit card application application, a transmission / reception means 22 that stores a mail application and transmits / receives signals, and a monitor 24. In the transmission / reception means 22, the transmission means and the reception means may be configured separately. The monitor 24 is a touch panel and also functions as an input means. The mail application may be stored in a memory separate from the transmission / reception means 22.

The member store terminal 60 intervenes between the customer terminal 10 and the core server 30, and receives data and information from a transmission / reception means 62 that relays data and information exchange between them, and receives data and information from the transmission / reception means 62. An arithmetic circuit 64 that performs arithmetic and temporary storage, an e-commerce application storage circuit 66 that is connected to the arithmetic circuit 64 and stores an e-commerce application that can be operated from the customer terminal 10, and an application for electronic payment are stored. The payment application storage circuit 68 is provided.

The core server 30 is located in the system center and is completely secured. The core server 30 performs a credit check of the credit card used when making a payment for purchasing a product or the like, a transmission / reception means 32 for exchanging information with the member store terminal 60 and the customer terminal 10. The credit examination processing means 34 for this purpose, and the examination result answering means 36 for transmitting the examination result in the credit examination processing means 34 to the customer terminal 10 and the member store terminal 60 are provided.

The core server 30 stores the customer attribute information input at the time of applying for the issuance of a credit card, the telephone number and e-mail address of the customer terminal 10, the main usage request amount for the customer, and the like. A storage means 38 including a card information storage means 38b for storing the suspension of use of the credit card, cancellation thereof, and suspension of use of the card is provided.

When the fraud detection server 40 uses a credit card at a specific credit card member store, for example, the sub-use limit, which is the credit card usage limit at the member store (later, conditional storage for each member store). It is determined whether or not it exceeds (previously stored in the means 44), and thereby the examination processing means 42 for examining the fraudulent use of the credit card, which is connected to the examination processing means 42 and uses the credit card for each specific member store. Depending on the conditions, for example, the condition storage means 44 for each member store that stores the sub-use limit, and the examination processing means 42, an email is sent to the customer terminal 10 and several kinds of texts to be displayed on the monitor 24 are stored. The mail text storage means 46 and the examination result answering means 48 for transmitting the examination result by the examination processing means 42 to the customer terminal 10 are provided.
The examination processing means 42 is connected to the examination processing means 42 or includes a built-in payment holding means, and the payment holding means is settled when the payment amount at the member store exceeds the sub-use limit amount. (Transaction) is put on hold (the settlement (transaction) is not permitted), and the use of the used credit card is suspended. These are stored in the card information storage means 38b of the storage means 38.

In the identity verification server 50, the customer terminal 10 receives an e-mail from the examination result answering means 48 of the fraud detection server 40, and the receiving means 52 for receiving the reply e-mail from the customer to the question in the text of the e-mail. The personal identification means 54 for confirming the identity is provided by comparing the information in the reply mail with the customer information in the customer information storage means 38a of the core server 30. Customer information, usually the date of birth of the customer, is used as the question in the text of the email.

In addition to the above, the core server 30 provides the credit card usage conditions for each specific member store, here, the condition cancellation means 39 for each member store that temporarily cancels the sub-use limit (for example, 30 minutes to 24 hours). I have.

Next, the processing of e-commerce shopping at member stores in the credit card usage management system described above will be described. Here, it is assumed that the secondary usage limit at the member store is 100,000 yen (the normal usage limit of a credit card is 500,000 yen), and the actual shopping amount is 150,000 yen.

A customer uses a credit card on the multifunctional mobile phone 10 to make a purchase of 150,000 yen at the e-commerce of the member store. Then, the member store terminal 60 transmits purchase data including the purchase contents (item, amount) together with the customer ID, member store ID, and credit card number to the core server 30.
The core server 30 receives the purchase data, and in light of the customer information of the customer information storage means 38a and the information about the credit card in the card information storage means 38b, based mainly on the customer ID included in the purchase data, the said Perform a customer credit check. At this time, it is also confirmed from the credit card number whether the above 150,000 yen is within the range of the main usage limit in the main usage limit.

When the credit examination is NO, the content is transmitted to the member store terminal 60 and the customer terminal 10 by the examination result answering means 36, and the transaction is stopped.
On the other hand, when this examination is YES, the purchase data is transmitted to the fraud detection server 40, and the fraud detection server 40 performs the examination processing means 42, and the purchase amount of the purchase data of 150,000 yen is a member store. It is determined whether or not it is within the range of the sub-use limit amount (100,000 yen) stored in each condition storage means 44.

Since this judgment is NO, the transaction is suspended, the credit card is temporarily suspended (treatment of suspension of use) (this is stored in the card information storage means 38b), and an email is sent. The text is read from the text storage means 46 as shown on the monitor 24 of the customer terminal 10 in FIG. 2 and transmitted to the customer terminal 10 (for example, using the telephone number of the customer terminal 10 registered in advance). By SMS). This text is displayed on the monitor 24, and the displayed contents are the specific information of the credit card, the meaning of "transaction pending", the content of the pending transaction, and confirmation of whether the credit card holder was used. This is the display of "URL" (with the text of clicking the URL).

When the customer clicks the "URL", this time, the person himself / herself when the selection button of "Yes" and "No" for the person using the monitor 24 and the selection of the selection button are "Yes". The "Identity verification screen" / "Date of birth entry field" for confirmation is displayed.
If the selection button is clicked "No", the use of the credit card is judged to be fraudulent use, fraudulent reception is performed, the above transaction is invalidated, and the credit card card suspension procedure and registration are performed. Will be. This is stored in the card information storage means 38b as described above.

On the other hand, when the selection button is clicked "Yes" and the correct date of birth is entered on the "identity verification screen", it is confirmed that the user is using the credit card, and the credit card is held (suspended). At the same time, the sub-use limit (100,000 yen) stored in the condition storage means 44 for each member store is temporarily released at a predetermined time (for example, 6 hours). Therefore, the customer will be able to purchase the 150,000 yen using a credit card. Even in this case, the main usage limit of 500 million yen is applied.
Even if the selection button is clicked "Yes", if it is determined that the date of birth entered on the "Identity Verification Screen" does not belong to the person, the fraudulent reception will also be made in this case as well. The card is suspended and the card is registered for suspension. The above is also stored in the card information storage means 38b.

When the use of the credit card is finally a legitimate use, it automatically returns to the initial state after the predetermined time (6 hours) has elapsed.

With the above configuration, when making a purchase using the credit card, if it is recognized that the credit card has been used improperly, the transaction will be accurately suspended or the credit card will be suspended (or the credit card will be suspended). (Invalidate), on the other hand, even if the transaction violates the sub-conditions at a specific member store, it is judged whether the transaction is legitimate, and if it is determined to be legitimate, The transaction itself remains on hold, but it encourages new purchases and closes (settlement), so it does not miss a business opportunity.

10 Multi-function mobile phone 12 Central arithmetic circuit 14 Input means 16 Imaging means 18 Main memory 20 Application memory 22 Transmission / reception means 24 Monitor 30 Core server 34 Credit examination processing unit 36 Examination result notification means 38 Storage means 40 Fraud detection server 42 Examination Processing means 44 Condition storage means for each member store 46 Email text storage means 48 Examination response department 46 Card issuance data generation department 48 Customer ID data file 50 Identity verification server 52 Identity verification means

Claims (5)

In addition to the main usage restriction, which is the original usage restriction of credit cards, in the credit card usage management system in which the secondary usage restriction set within the framework of the main usage restriction is provided for a specific member store.
On the customer side
It is equipped with a customer-side information receiving terminal for receiving information from a credit card company, and a purchase application terminal for transmitting purchase information including a credit card number and a member store ID so that a customer can apply for a purchase of a product or service.
On the credit card company side,
A core server and a fraud detection server are provided,
The core server
A means of storing a telephone number or the like that stores the telephone number or email address of the customer-side information receiving terminal, and
It is provided with a credit examination processing means for receiving purchase information from the purchase application terminal and performing a credit examination including whether or not the purchase information violates the main usage restrictions.
The fraud detection server
When the condition storage means for each member store in which the sub-use restrictions for the specific member store are stored in advance and the credit examination processing means are connected and the judgment of the credit examination processing means is YES, the purchase application terminal is used. Judgment means for determining that the content of the purchase information of the member store does not conflict with the sub-use restriction stored in advance in the condition storage means for each member store.
With
Further, when the judgment by the judgment means is NO, the credit card company suspends the purchase application, and the customer side information receiving terminal is notified of "specific information of the credit card" regarding the purchase application. Select "Yes" or "No" to confirm that the transaction was "pending", the text of "pending transaction details", and whether the credit card was used by the credit card holder. Inquiry information including a URL for uploading an identity verification screen including a "button" and an "identity verification information entry field" for entering information for identifying the person is transmitted, and this inquiry information is used as the customer side information. Inquiry method to be displayed on the monitor of the receiving terminal,
When there is a reply that the customer is not the customer in response to this inquiry information, or when the answer to the inquiry information is incorrect, the purchase application is invalidated and the procedure for prohibiting the use of the credit card is started. On the other hand, when there is a reply that the customer is the customer himself / herself, the sub-use restriction is lifted for a predetermined time, and a purchase application processing means for transmitting information indicating that fact to the purchase application terminal is provided. Credit card usage management system. The credit card usage management system according to claim 1, wherein the purchase application terminal is a purchase application terminal on the customer side or a purchase application terminal on the member store side. The credit card usage management system according to claim 1 or 2, wherein the customer-side information receiving terminal is a multifunctional telephone. The inquiry means is the credit card usage management system according to claim 3, wherein the inquiry information is transmitted by a short mail service using the telephone number of the multifunctional telephone. The credit card usage management system according to any one of claims 1 to 4, wherein the predetermined time is 30 minutes to 24 hours.