JP7137672B2 - Automatic change deposit system using payment system - Google Patents

Description

The present invention relates to an automatic change deposit system using a card payment system that enables so-called change saving even in card payment.
More specifically, the present invention relates to an automatic change deposit system using a card settlement system, in which the difference between the budgeted amount and the price in card settlement is regarded as change and the change can be saved (deposited).
More specifically, the present invention relates to an automatic change deposit system using a card payment system that enables saving of the difference between the budget amount for which the application is specified in card payment and the price.

The card payment system used in this specification means a payment system similar to a credit card payment system, and is a concept including, for example, a debit card payment system and a server-type prepaid card payment system.
A credit card payment system is, as shown in FIG. A member store 104 that provides goods or services (hereinafter referred to as "goods, etc.") withdrawn by the issuer 118 from the customer bank account 174 at the customer bank 128 owned by the customer 102 concludes a member store contract with the acquirer 108, It is a system that receives payment from the issuer 118 using the system of the international brand 114 via the acquirer 108 under the affiliated store contract.
The debit card payment system is the same as credit card payment except that the issuer 118 that issues the card replaces the customer bank 128, that is, the issuer 118 and the customer bank 128 are one entity and are immediately settled together. .
The prepaid card settlement system is a server-type prepaid card (international brand prepaid card), and the customer 102 purchases a prepaid card of a predetermined amount in advance at the issuer 118 or the customer bank 128, and pays for the purchased prepaid card. It is the same as the credit card payment system, except that the prepaid card account at the customer's bank 128 or issuer 118 that manages the card is debited. Therefore, a debit card payment system and a server type prepaid card payment system are also included in the card payment system of the present invention.
In addition, "change" refers to the difference between the actual price and the amount given to the member store, as well as the difference between the amount actually paid and the budget amount set by the predetermined rule, if the amount actually paid is less. It is a concept that also includes
Furthermore, "transfer" is a concept that includes not only sending money between banks (accounts) but also sending money between accounts within the same bank. In other words, it is a general term for the act of transferring money between accounts. In this specification, "remittance" is used in the same meaning as "transfer". Furthermore, "bank" is a concept that includes institutions that have the same functions as banks.

As the first prior art, in order to provide a savings system or the like that can effectively increase savings without the person being strongly conscious of savings or making efforts by using electronic money, some kind of payment is required. In such a case, assuming that the payment amount has been rounded up to the number of digits set in advance, the difference between the actual payment amount and the rounded up amount (equivalent to change) will automatically There is known a savings system that utilizes electronic money settlement by depositing money into a box (an electronic money savings account) (see, for example, Patent Document 1).
As a second conventional technology, it is possible to generate "money" such as "change" in the analog world even in commercial transactions in the electronic settlement system, and thereby implement donations, savings, etc. with "change" or "money". In order to provide an analog money type electronic payment apparatus that can be used for payment, a POS terminal that communicates with a computer that manages a bank account at a financial institution is provided with the financial information of a customer who has purchased a product from a financial institution card read by a card reader. If a savings account at an institution is specified and the amount of change calculated from the price of the product purchased by the customer and the amount paid by the customer is greater than zero, part or all of the change is transferred to the customer's savings account. It is known to provide means for instructing a computer to deposit money (see for example US Pat.
As the third conventional technology, sales of predetermined products to users in order to provide a system and a device used in the system that can automatically transfer fractions of the balance of prepaid cards and electronic money to bank accounts. In the device, reading means for reading a valuable medium storing a predetermined monetary value and reading the stored amount; calculating means for calculating a non-fractional amount by further subtracting the fraction from the value; writing means for rewriting the amount stored in the valuable medium to the face value of the calculated non-fractional amount; There is known a vending device capable of using valuable media, characterized by including instruction means for issuing an instruction to deposit money into an account (see, for example, Patent Document 3).
As a fourth prior art, in order to provide a credit card user with information that immediately responds to the user's behavior in the real world, an event is identified from the user's residence information and store genre identification information, and the event is identified. is known to send advertisements by e-mail (see, for example, Patent Document 4).
In order to provide a debit payment system that can prevent "addiction" due to overuse of cards, the total value of the customer's desired payment amount and the accumulated amount of past debit transactions is within the limit of use. If it is determined that the usage limit is not exceeded, issue a prepaid card for the desired payment amount. It is known to prevent use beyond the forehead (see Patent Document 5, for example).

Patent No. 4450329 (Figures 1 and 2, paragraph numbers 0005 to 0013) Japanese Patent Application Laid-Open No. 2002-352174 (Figures 1 to 7, paragraph numbers 0004 to 0047) Japanese Patent Application Laid-Open No. 2003-51053 (Figures 1 to 7, paragraph numbers 0004 to 0028) Patent No. 5335511 (Figures 1 to 10, paragraph numbers 0008 to 0073) Japanese Patent Application Laid-Open No. 2006-318403 (Figures 1 to 10, Paragraph Nos. 0008 to 0073)

In the first conventional technique, when electronic money is used to pay for a product or the like, the amount of money used for the payment is set to a reasonable amount. For example, if the payment source is set in units of 1,000 yen and 980 yen is paid as consideration, the difference of 20 yen will be automatically transferred to the designated piggy bank (electronic money savings account) and saved. It is a thing. In the first conventional technique, when paying with electronic money, fractions are saved each time, which has the advantage of promoting savings. However, since the budget (resources) is limited, there are cases where one does not want to save fractions. For example, there is a case where the user does not want to save money for ordinary food expenses, but wants to save money when paying for luxury items or luxury goods. As described above, in the first conventional technique, there is a problem that the target for savings cannot be selected. In addition, there is a demand to save the balance (change) when the amount actually used is less than the budget for a predetermined period. For example, when the upper limit of entertainment expenses is set to 30,000 yen per month, if the actual expenditure is 25,000 yen, there is a desire to automatically save unused 5,000 yen. However, in the first prior art, there is no concept of setting the maximum usage amount for a predetermined period, so there is a problem that such various requests cannot be met.
The second prior art has means for instructing a computer to deposit part or all of the change into the customer's bank account when there is a difference between the cash handed over by the customer and the price of the product. It was established. In the second prior art, even if there is a difference between the handed cash and the price, the money will not be credited to the bank account unless the means for instructing the computer is operated, which prevents smooth savings. There is
In the third prior art, when payment is made with a prepaid card or electronic money, if the amount of the prepaid card or electronic money after payment has a fraction, the fraction is deposited into a bank account based on an instruction from an instruction means. Therefore, like the second prior art, there is a problem that smooth savings cannot be made.
In the fourth prior art, an appropriate advertisement is delivered to a customer by e-mail based on store industry information (code) transmitted when the customer pays by credit card. Although there is an idea to use for advertising, there is no suggestion or disclosure of any connection with depositing the balance.
The fifth prior art has the advantage of preventing abuse of the debit card because a new prepaid card is not issued when the total amount of debit card usage exceeds the upper limit of the usage amount. No relationship is suggested or disclosed.

A first and basic object of the present invention is to provide a card settlement system that can automatically (smoothly) save change when performing card settlement when used for a predetermined purpose.
A second secondary object of the present invention is to provide a card payment system that can automatically (smoothly) save change when making card payments when the system is used for a prescribed purpose during a prescribed period of time. be.
A third secondary object of the present invention is to provide a card settlement system capable of increasing the target achievement probability of change savings.
A fourth, subsidiary object of the present invention is to provide a card settlement system that enables more diversified change savings.
A fifth secondary object of the present invention is to provide a card settlement system capable of enhancing the advertising function of stores related to change deposits.

In order to achieve this object, the first invention according to claim 1 is configured as follows.
customer bank account information processing means for managing customer bank accounts;
Issuer information processing means managed by the Issuer;
Acquirer information processing means managed by the acquirer;
a member store information processing means for providing at least a payment amount and member store information to the acquirer information processing means;
Information processing means for communicating with the issuer information processing means and the acquirer information processing means and performing functions necessary for payment,
Communicate with the customer bank account information processing means, the issuer information processing means, the acquirer information processing means, the member store information processing means, or the issuer information processing means and the acquirer information processing means, and A payment system that performs payment to a customer based on payment information including at least the payment amount and the member store information between information processing means that exerts a function,
Deposit assistance information processing means are provided,
The deposit support information processing means
settlement budget amount setting means for setting a settlement budget amount based on the member store information;
when the member store information provided from the issuer information processing means is the predetermined member store information, a change deposit amount calculation means for calculating an amount of change deposit reflecting the settlement budget amount;
Deposit means for transferring the amount of the change deposit from the customer bank account to the change deposit account with respect to the customer bank account information processing means;
An automatic change deposit system using a settlement system characterized by comprising

The second invention is
the settlement budget amount setting means is period settlement budget amount setting means for setting the settlement budget amount for a predetermined period;
The change deposit amount calculation means calculates the period change deposit amount, which is the sum of the settlement amounts corresponding to the same member store information in the predetermined period, based on the member store information provided from the issuer information processing means. A period change deposit amount calculation means for calculation,
The depositing means compares the budget amount for the period settlement in the predetermined period with the total amount of the settlement amount corresponding to the member store information, and compares the total amount of the settlement amount corresponding to the member store information with the budget amount for period settlement. transfer the difference between them from said customer bank account to said change deposit account, if there is a predetermined relationship to
An automatic change deposit system using the settlement system according to claim 1, characterized by:

The third invention is
a target setting means for setting a target amount and an achievement time for the deposit means;
Reporting means for outputting an alarm signal according to the target amount attainment status at the achievement time based on a predetermined algorithm, taking into consideration the total deposit amount in the deposit means at a predetermined time, the achievement time, and the target amount;
customer information processing means for notifying at least an alarm based on the alarm signal;
3. An automatic change deposit system using the settlement system according to claim 1 or 2, characterized by comprising:

The fourth invention is
Furthermore, the periodical change deposit amount, which is the sum of the settlement amount of the same member store information in the predetermined period in the member store information transmitted from the issuer information processing means, and the settlement amount of the same member store information related to the credit request an expected change deposit settlement amount calculation means for calculating an expected change deposit settlement amount that is the sum of
transaction alarm means for comparing the budget amount of change deposit settlement with the expected amount of change deposit settlement, and outputting a transaction caution signal when the expected amount of change deposit settlement is in a predetermined relationship with the budget amount of change deposit settlement for the period;
customer information processing means for notifying at least an alarm based on the caution signal;
It is an automatic change deposit system using the card settlement system of the third invention, characterized by comprising:

The fifth invention is
The automatic change deposit system using the card payment system according to any one of the first to fourth inventions, wherein the card payment budget amount is set for a plurality of member store information.

The sixth invention is
The card payment budget amount set by the card payment budget amount setting means, the member store information, the payment information, and the change deposit amount calculation means are incorporated in the deposit support information processing means. An automatic change deposit system using the card settlement system according to any one of - a fifth invention.

The seventh invention is
said deposit support information processing means includes support member store information storage means, and transmits the member store information stored in said support member store information storage means together with payment information to the customer's customer information processing means;
The automatic change deposit system using the card settlement system according to the sixth invention, wherein the customer information processing means includes customer member store information rewriting means for rewriting the member store information.

The eighth invention is
The deposit assistance information processing means further
The automatic change deposit system using the card settlement system according to the seventh invention, further comprising advertising means for transmitting advertisement information related to the purpose of deposit to the customer information processing means.

The ninth invention is
The deposit assistance information processing means further
a card number customer account table storing deposit purposes;
an advertisement information table storing advertisement information related to the deposit purpose;
The card payment system according to the seventh aspect of the invention, characterized by comprising advertising means for comparing the purpose of deposit and advertisement information and transmitting the advertisement information to the customer information processing means when they match. This is an automatic change deposit system.

A tenth invention is
Further, calculating an expected change deposit settlement amount, which is the sum of the period change deposit amount, which is the sum of the settlement amounts of the same member store information in the predetermined period, and the settlement amount of the same member store information related to the credit request. Expected change deposit settlement amount calculation means;
Reporting means for comparing the budget amount for term card settlement and the expected settlement amount for change deposit, and notifying the customer information processing means if the expected amount for settlement of change deposit and the budget amount for term card settlement are in a predetermined relationship. When,
An automatic change deposit system using the card settlement system according to any one of the sixth to ninth inventions, characterized by comprising:

In the first invention, when a customer makes a payment for a product or the like at a member store, the settlement amount, which is the amount to be paid from the member store (member store information processing means) to the acquirer (acquirer information processing means), and A credit request is made along with payment information including member store information such as shop name and industry information, and the acquirer requests credit to the issuer (issuer information processing means) via information processing means that performs functions necessary for payment by communication, If the issuer grants credit, settlement is performed.
The settlement budget amount setting means sets a settlement budget amount based on the member store information. For example, 3,000 yen is set as a payment budget for one transaction. If you dine at a restaurant this time and pay 2,500 yen, the member store information sent from the member store includes restaurant information, which is industry information. 2,500 yen, which is the settlement amount, is compared with 3,000 yen, which is the budget amount for one settlement.
The deposit means outputs to the customer bank account information processing means a transfer command to transfer the difference of 500 yen from the customer bank account to the change deposit account. As a result, the customer bank account information processing means that received the transfer command transfers (transfers) 500 yen from the customer bank account to the change deposit account, so that change can be automatically deposited.
Therefore, in the first invention, if the actual settlement amount is less than the settlement budget amount for the usage desired by the customer, the amount that falls short is automatically deposited in the customer's change deposit account. There is an advantage that change can be saved objectively (smoothly) and the first object can be achieved.

In the second invention, the payment budget amount setting means sets a payment budget amount for a predetermined period, and the change deposit amount calculation means is a period change deposit amount that is the sum of the payment amounts in the period corresponding to the predetermined period. is calculated. Therefore, since the basic configuration is the same as that of the first invention, there is an advantage that the first object can be achieved in the same manner as the first invention. Further, the change deposit amount calculating means totals the payment amount related to eating and drinking from the member store information in one month when a predetermined period (interval), for example, one month has passed, and If there is a predetermined relationship when compared with the settlement budget amount of , for example, if the settlement budget amount is less than the said settlement budget amount, the difference between them will be the change deposit, and the deposit means will send the customer bank account information processing means to the customer bank account to the change deposit account. As a result, the change deposit amount is transferred from the customer's bank account to the change deposit account, and the change deposit is executed. Therefore, there is an advantage that the second object can also be achieved.

In the third invention, in the first or second invention, furthermore, based on a predetermined algorithm, the amount of change deposited by the deposit means at a predetermined time, the time of achievement, and the target amount are evaluated, and the target amount is achieved at the time of achievement. If it is judged that the customer information processing means is difficult, there is provided a notification means for outputting a warning signal to the customer information processing means. Therefore, since the main configuration is the same as that of the first invention or the second invention, there is an advantage that the first and second objects can be achieved. Further, when the notification means judges that it is difficult to achieve the deposit target at the time of achievement, it outputs a warning signal, and the customer information processing means receiving this warning signal transmits the warning to the customer by a predetermined means. . Since the customer who knows the warning usually makes an effort to achieve the target, there is an advantage that the probability of achieving the target increases and the third object can be achieved.

In a fourth aspect of the invention, in the third aspect of the invention, the method further comprises an expected change deposit settlement amount calculating means for calculating an expected change deposit settlement amount when making a credit request, and an expected change deposit settlement amount exceeding the period card settlement budget amount. In this case, transaction warning means for outputting a transaction warning signal to the customer information processing means is added. Therefore, since the fourth invention has the same function as the third invention, there is an advantage that the corresponding first to third objects can be achieved.
Furthermore, when a credit request is made, if there is a predetermined relationship when the current card payment is executed, for example, if the budget amount for card payment for the period is exceeded, the transaction warning means outputs to the customer information processing means, and the customer The information processing means notifies the customer to that effect. Since the customer understands that change cannot be saved by this notification, the customer can decide whether or not to proceed with the current card payment, and can also cancel the transaction. Therefore, there is an advantage that the probability of achieving the target is increased and the third object can be achieved.

In the fifth invention, the card payment budget amount is set for a plurality of member store information. Therefore, since the basic configuration is the same as the second to fourth inventions, there is an advantage that the corresponding first and second objects or the third object can be achieved. Furthermore, since the card payment budget amount is set for a plurality of member store information, there are a plurality of types of change deposit objects, so a variety of change deposits can be adopted, and the fourth object can be achieved. There are advantages.

In the sixth invention, the card payment budget amount set by the card payment budget amount setting means, the member store information, the payment information, and the change deposit amount calculating means are incorporated in the deposit support information processing means. Therefore, since the basic configuration is the same as the first to fifth inventions, there is an advantage that the corresponding first and second objects or third and fourth objects can be achieved. Furthermore, in the deposit support information processing means provided separately from the issuer information processing means, the acquirer information processing means, and the international brand information processing means, the card payment budget amount, member store information, and payment information are held, In addition, since the change deposit amount calculation means is provided, the degree of freedom of information processing is increased, and various services can be provided.

In the seventh invention, the deposit support information processing means includes support member store information storage means, and transmits the member store information stored in the support member store information storage means together with the card payment information to the customer's customer information processing means. The customer information processing means includes customer member store information rewriting means for rewriting the member store information. Therefore, since the basic configuration is the same as the second to sixth inventions, there is an advantage that the corresponding first and second objects, third or fourth objects can be achieved. Further, the member store information in the support member store information storage means in the deposit support information processing means can be rewritten by the customer member store information rewriting means in the customer information processing means owned by the customer. In other words, if the member store information in the support member store information storage means in the deposit support information processing means is incorrect, the change cannot be properly deposited. There is an advantage that the target achievement can be hastened and the fourth object can be further achieved.

In the eighth invention, the deposit support information processing means further comprises advertising means for transmitting advertisement information related to the purpose of deposit to the customer information processing means. Therefore, since the basic configuration is the same as the first to seventh inventions, there is an advantage that the corresponding first and second objects or third and fourth objects can be achieved. Furthermore, since the customer who receives the advertisement information by the advertisement means can operate the customer information processing means to see the advertisement information, the customer's willingness to deposit change can be enhanced, and the sales of the member stores, etc. can be enhanced. Since it is possible to provide an advertisement function to the customer of the store, there is an advantage that the fifth objective, which is a secondary objective, can be achieved.

In the ninth invention, the deposit support information processing means further includes a card number customer account table storing deposit purposes, an advertisement information table storing advertisement information related to the deposit purposes, the deposit purposes and the advertisement information. and if they match, advertising means for transmitting said advertising information to said customer information processing means.
Therefore, since the basic configuration is the same as the first to seventh inventions, there is an advantage that the corresponding first and second objects or third, fourth and fifth objects can be achieved. Furthermore, since the advertisement means includes a card number customer account table storing deposit purposes and an advertisement information table storing advertisement information related to the purposes, these deposit purposes or advertisement information can be easily added or Since it can be deleted, there is an advantage that the fifth objective, which is a subsidiary objective, can be further achieved.

In the tenth invention, further, the expected change is the sum of the period change deposit amount which is the sum of the settlement amount of the same member store information in the predetermined period and the settlement amount of the same member store information related to the credit request. An expected change deposit settlement amount calculating means for calculating a deposit settlement amount compares the period card settlement budget amount with the expected change deposit settlement amount so that the expected change deposit settlement amount is in a predetermined relationship with the period card settlement budget amount. In some cases, it also includes reporting means for reporting to the customer information processing means. Therefore, since the basic configuration is the same as the first to ninth inventions, there is an advantage that the corresponding first and second objects or third, fourth and fifth objects can be achieved. Furthermore, the budget amount for term card settlement and the expected settlement amount for change deposit are compared, and if the expected amount for settlement of change deposit and the budget amount for term card settlement have a predetermined relationship, the notification means notifies the customer. There is an advantage that the desire to deposit change can be increased and the fifth object can be achieved.

FIG. 1 is a schematic explanatory diagram of an automatic change deposit system using a card settlement system of Example 1 according to the present invention. FIG. 2 is a schematic explanatory diagram of member store information processing means used in the automatic change deposit system using the card settlement system of the first embodiment according to the present invention. FIG. 3 is a block diagram of member store information processing means used in the automatic change deposit system using the card settlement system of the first embodiment according to the present invention. FIG. 4 is a flow chart for explaining the operation of the member store information processing means used in the automatic change deposit system using the card settlement system of the first embodiment according to the present invention. FIG. 5 is an example of a receipt output from the member store information processing means used in the automatic change deposit system using the card settlement system of the first embodiment according to the present invention. FIG. 6 is a block diagram of acquirer information processing means used in the automatic change deposit system using the card settlement system of the first embodiment according to the present invention. FIG. 7 is a flow chart for explaining the operation of the acquirer information processing means used in the automatic change deposit system using the card settlement system of the first embodiment according to the present invention. FIG. 8 is a block diagram of international brand information processing means used in the automatic change deposit system using the card settlement system of the first embodiment according to the present invention. FIG. 9 is a flow chart for explaining the action of the international brand information processing means used in the automatic change deposit system using the card settlement system of the first embodiment according to the present invention. FIG. 10 is a block diagram of issuer information processing means used in the automatic change deposit system using the card settlement system according to the first embodiment of the present invention. FIG. 11 is a flow chart for explaining the action of the issuer information processing means used in the automatic change deposit system using the card settlement system of the first embodiment according to the present invention. FIG. 12 is a block diagram of customer bank information processing means used in the automatic change deposit system using the card settlement system of the first embodiment according to the present invention. FIG. 13 is a flow chart for explaining the operation of the customer bank information processing means used in the automatic change deposit system using the card settlement system of the first embodiment according to the present invention, and (A) is a credit settlement processing flow chart. Yes, and (B) is a change deposit processing flow chart. FIG. 14 is a block diagram of deposit support information processing means used in the automatic change deposit system using the card settlement system of the first embodiment according to the present invention. FIG. 15 is an example of a business type information table in the deposit support information processing means used in the automatic change deposit system using the card settlement system according to the first embodiment of the present invention. FIG. 16 is a diagram for explaining the action of the deposit support information processing means used in the automatic change deposit system using the card settlement system of the first embodiment of the present invention, (A) is a flowchart (for each card settlement); ), (B) to (D) are examples of screens in the change deposit support display means. FIG. 17 is an example of a card number, customer account, etc. table in the deposit assistance information processing means used in the automatic change deposit system using the card settlement system according to the first embodiment of the present invention. FIG. 18 is a flow chart for explaining the action of the change deposit amount calculation means in the deposit support information processing means used in the automatic change deposit system using the card settlement system of the first embodiment according to the present invention. FIG. 19 is a flow chart for explaining the action of the deposit means in the deposit support information processing means used in the automatic change deposit system using the card settlement system of the first embodiment according to the present invention. FIG. 20 is an example of a supported member store information table in the deposit support information processing means used in the automatic change deposit system using the card settlement system of the first embodiment according to the present invention. FIG. 21 is an example of an advertisement information table in the deposit support information processing means used in the automatic change deposit system using the card settlement system according to the first embodiment of the present invention. FIG. 22 is a flow chart for explaining the operation of the advertising means in the deposit support information processing means used in the automatic change deposit system using the card payment system of the first embodiment according to the present invention. FIG. 23 is a flow chart for explaining the operation of the notification means in the deposit support information processing means used in the automatic change deposit system using the card payment system of the first embodiment of the present invention; FIG. 11 is a flow chart representing the selection algorithm, and (B) is a flow chart for notifying the execution of change deposit; FIG. 24 is a graph for explaining the action of the reporting means in the deposit support information processing means used in the automatic change deposit system using the card settlement system of the first embodiment according to the present invention. FIG. 25 is a block diagram of customer information processing means used in the automatic change deposit system using the card settlement system according to the first embodiment of the present invention. FIG. 26 is a flow chart for explaining the action of the customer information processing means used in the automatic change deposit system using the card settlement system of the first embodiment according to the present invention; (B) is a flowchart for rewriting member store information, and (C) is an example of a screen displayed on the customer display means. FIG. 27 is an overall association flowchart of the automatic change deposit system using the card settlement system of the first embodiment according to the present invention. FIG. 28 is a block diagram of deposit support information processing means in the automatic change deposit system using the card settlement system of Embodiment 2 of the present invention. FIG. 29 is a flow chart for explaining the operation of the change deposit calculation timing setting means in the deposit support information processing means in the automatic change deposit system using the card settlement system of the second embodiment according to the present invention. FIG. 30 is a flow chart for explaining the operation of the term change deposit amount calculation means in the deposit assistance information processing means in the automatic change deposit system using the card settlement system of the second embodiment according to the present invention. FIG. 31 is a flow chart for explaining the operation of the change deposit object discriminating means in the deposit support information processing means in the automatic change deposit system using the card settlement system of the second embodiment according to the present invention. FIG. 32 is an overall association flowchart of an automatic change deposit system using the card payment system of embodiment 2 of the present invention. FIG. 33 is a block diagram of deposit support information processing means in the automatic change deposit system using the card settlement system of Embodiment 3 of the present invention. FIG. 34 is a flow chart for explaining the operation of the expected change deposit settlement amount calculation means in the deposit assistance information processing means in the automatic change deposit system using the card settlement system of the third embodiment of the present invention. FIG. 35 is a flow chart for explaining the operation of the notification means in the deposit support information processing means in the automatic change deposit system using the card settlement system of the third embodiment according to the present invention.

The present invention
customer bank account information processing means for managing customer bank accounts;
issuer information processing means managed by an issuer with whom a customer has signed a card payment contract using the customer's bank account as a settlement account;
Acquirer information processing means managed by an acquirer that has entered into a card payment contract with a member store that provides products, etc.;
a member store information processing means for providing at least a payment amount and member store information to the acquirer information processing means;
an international brand information processing means managed by an international brand that has entered into a brand participation agreement with the issuer and the acquirer;
Among these customer bank account information processing means, issuer information processing means, acquirer information processing means, member store information processing means, and international brand information processing means, payment information including at least the settlement amount and member store information A card payment system that performs card payment for the customer based on
Deposit assistance information processing means are provided,
The deposit support information processing means
card payment budget amount setting means for setting a card payment budget amount based on the member store information;
change deposit calculation means for calculating a change deposit amount, which is the sum of payment amounts of the same member store information in the predetermined period, based on the payment information provided by the issuer information processing means;
a deposit means that compares the card settlement budget amount and the settlement amount, and if the settlement amount is less than the card settlement budget amount, transfers the difference between them from the customer's bank account to a change deposit account;
wherein the card payment budget amount setting means is periodical card payment budget amount setting means for setting a period card payment budget amount in a predetermined period;
The change deposit amount calculation means calculates a period change deposit amount, which is the sum of settlement amounts of the same member store information in the predetermined period, based on the settlement information provided by the issuer information processing means, and Periodic change deposit amount calculating means for comparing the card settlement budget amount and the period change deposit amount, and if the period change deposit amount is less than the period card settlement budget amount, setting the difference between them as the change deposit amount can be,
moreover,
a target setting means for setting a target amount and an achievement time for the deposit means;
If it is determined that it is difficult to achieve the target amount of change deposit at the time of achievement based on a predetermined algorithm, in view of the amount of change deposited by the deposit means at a predetermined time, the time of achievement, and the target amount, an alarm is issued. a reporting means for outputting a signal;
When the acquirer information processing means issues a credit request to the issuer information processing means, the total amount of the settlement amount of the same member store information in the predetermined period in the issuer information processing means and the same amount related to the credit request an expected change deposit settlement amount calculation means for calculating an expected change deposit settlement amount that is the sum of the settlement amount of the member store information and the expected change deposit settlement amount;
a transaction alarm means for comparing the budget amount of change deposit settlement with the budget amount of change deposit settlement for the period and issuing a transaction caution signal to the customer information processing means when the expected settlement amount of change deposit exceeds the budget amount of change deposit settlement;
Customer information processing means for notifying a customer based on the alert signal or transaction caution signal;
It is realized by an automatic change deposit system using a card payment system characterized by including

An outline of Embodiment 1 of the present invention will be described with reference to FIG.
Even if the customer 102 uses the card payment system to pay the price for the product, the automatic change deposit system 100 of the first embodiment is designed to has a function of saving change, and as a technical configuration, the member store information processing means 106 installed in the member store 104, the acquirer information processing means 112 installed in the acquirer 108, and the international brand 114 International brand information processing means 116, issuer information processing means 122 installed in issuer 118, deposit support information processing means 126 installed in deposit support business operator 124, and customer bank account information processing means installed in customer bank 128 Contains 132. In this configuration, when the customer 102 receives a product or the like at the member store 104 and makes a payment using the card payment system, the acquirer information processing means managed by the acquirer 108 is transferred from the member store information processing means 106 to the acquirer 108. A credit request CR is sent to 112 together with payment information SI such as card number CN, payment amount STM, and industry information CB as merchant information MSI.
Acquirer information processing means 112 managed by acquirer 108 outputs payment information SI and credit request CR to international brand information processing means 116 managed by international brand 114 related to the card.
International brand information processing means 116 transmits payment information SI and credit request CR to issuer information processing means 122 managed by issuer 118 that issued credit card 120 .
The issuer information processing means 122 grants credit based on the payment information SI, and at the same time, transfers the card number CN and merchant information MSI, which are at least a part of the payment information SI, to the deposit support information processing means 126 managed by the deposit support business operator 124. , and the payment amount STM.
In the deposit support information processing means 126, the change amount setting rule ULR is set according to the member store information MSI, for example, the industry information CB designated in advance, or all the same. For example, in the case of a restaurant, the change amount setting rule ULR sets the card settlement budget amount SBM in units of 100 yen, for example. Specifically, when the settlement amount is 580 yen, the card settlement budget amount SBM is set to 600 yen, and the change deposit calculation means 258 subtracts the settlement amount of 580 yen from the card settlement budget amount SBM of 600 yen. The resulting difference of 20 yen shall be the amount of the change deposit CD. The deposit means 264 outputs a transfer command RO to the customer bank account information processing means 132 to transfer (remit) 20 yen, which is the amount of the change deposit CD, from the customer bank account 174 to the change deposit account CA of the customer 102. do. Therefore, in the case of card settlement, the settlement amount of 580 yen is processed as usual, but the change CM of 20 yen is transferred to the change deposit account CA of the customer 102 . Since card payments for other member store information MSI are not subject to change deposit CD, the change amount setting rule ULR is not applied, and change deposit CD is not performed. In addition, the change amount setting rule ULR for each member store information MSI is set for a predetermined period, for example, in units of one month, and the card payment budget amount SBM for the month is determined, and the card settlement amount for the relevant business member store information MSI in the corresponding month is determined. If the total amount falls below the card settlement budget amount SBM, a transfer command RO for transferring the difference to the change deposit account CA is output to the customer bank account information processing means 132 . According to this transfer command RO, the change CM for the payment for the predetermined member store information MSI is automatically deposited in the change deposit account CA of the customer 102, so that the deposit can be made smoothly without difficulty. In the following, Example 1 will be described in more detail.

First, the member store 104 will be explained.
The member store 104 is a place that provides products or the like, a so-called store. Payment is made by a card payment method using a card payment system, and the first embodiment relates to an example of using a credit card payment system among card payment systems.
Credit card payment is an international card payment system in which a credit card 120 provided by an international brand 114 is used for payment.
The member store 104 outputs the settlement amount STM of the product etc., the credit card number CCN, the settlement information SI for credit card settlement such as the member store information MSI, and the credit request CR to the acquirer information processing means 112. , and the member store information processing means 106 is used to issue a copy of the credit card payment.

Next, the member store information processing means 106 will be described mainly with reference to FIGS. 2 and 3. FIG.
The member store information processing means 106 transmits settlement information SI for credit card settlement, such as the credit card number CCN stored in the storage unit 130 of the credit card 120 described later, to the acquirer information processing means 112, and acquires the acquirer information. It has a function of issuing a credit payment receipt 142 based on the credit payment completion information 138 received from the processing means 112 .
The member store information processing means 106 is arranged in each member store 104 by one unit or a desired plurality of units. After manually inputting the PIN, by pressing the input key 146, together with the settlement amount STM and the personal identification code PIN, the member store information processing means code MSC individually determined in the member store information processing means 106 is transmitted to the member store information processing means. It is transmitted from the code output device 148 (FIG. 3) to the acquirer information processing means 112 via a separate first communication line 136 .
As shown in FIG. 3, the member store information processing means 106 in the first embodiment includes a member store information processing means code output device 148, member store calculation means 152, member store storage means 154, member store display means 156, member store Communication means 158 , member store reading means 162 , member store input means 164 , member store printer 166 , member store bus line 168 and member store information storage means 170 are included.

Next, the settlement amount STM will be explained.
The settlement amount STM is the amount of goods, etc. paid by the customer 102 through the issuer 118 contracted for card settlement. After being determined, it is transmitted to the acquirer information processing means 112 via the member store communication means 158 and the first communication line 136 . Specifically, the settlement amount STM is the amount obtained by adding the consideration for the product, etc., and the necessary tax (consumption tax). In the member store information processing means 106, the price for the product or the like may be input, and the tax may be automatically calculated and added. If no tax payment is required, it is not included in the settlement amount STM.

Next, the secret code PIN will be explained.
The personal identification code PIN is a code known only to the customer 102 in order to certify that the credit card number CCN stored in the non-volatile storage device incorporated in the credit card 120 used by the customer 102 is a true code. , is input to the member store information processing means 106 by operating the numeric keypad 144 and transmitted to the acquirer information processing means 112 . Note that there are systems that do not require the entry of a personal identification code PIN, and the present invention is applicable even in cases where the entry of a personal identification code PIN is not required.

Next, the member store information MSI will be explained.
The member store information MSI is information that can identify the business type of the member store 104 or the member store 104 itself. , but not limited to. As will be described later, the industry information CB can use Japanese or English word notation such as food and drink, clothing, etc., or symbolize these with numbers and characters, etc., but Japanese word notation is adopted. It is easy to understand directly and is preferable.

Next, the credit card 120 will be explained.
The credit card 120 is a generally used square and flat card, and at least the credit card number CCN is encrypted and recorded (stored) in a magnetic tape or an IC chip 140 including a storage device. . The credit card 120 in the first embodiment is a credit card 120 containing an IC chip. A similar debit card (not shown) is used for debit card settlement, and a similar prepaid card (not shown) is used for prepaid card settlement.

Next, the numeric keypad 144 will be explained.
The numeric keypad 144 has a function of inputting the settlement amount STM and the personal identification code PIN, and is used for confirming and inputting at least the generally used numbers 0 to 9 and the entered numbers (return key). ) contains the key 146. The numeric keypad 144 can be replaced with other devices with similar functionality.

Next, the member store information processing means code output device 148 will be described.
The member store information processing means code output device 148 has a function of outputting the member store information processing means code MSC individually assigned to the member store information processing means 106 . and a code for specifying which member store information processing means 106 in the member store, and is composed of a combination of a code representing the member store 104 and a code representing an individual number in the member store, It's the only code. For example, when one member store information processing means 106 is used at the member store 104, the member store information processing means code output device 148 outputs the identification code of the international brand 114 or the identification code of the acquirer 108, the member store 104 and the number code at the member store 104.

Next, the member store computing means 152 will be described.
The member store calculation means 152 processes various information from the member store communication means 158, the member store reading means 162, and the member store input means 164 based on the program stored in the member store storage means 154, It has a function of transmitting and receiving via communication means 158 or controlling member store display means 156 and member store printer 166 as appropriate.

Next, the member store storage means 154 will be explained.
The member store storage means 154 stores a program for exerting the function of the member store information processing means 106, and a known storage device is used.

Next, the member store display means 156 will be explained.
The member store display means 156 has a function as a man-machine interface that performs necessary display for conveying necessary information to the operator, and a known display device such as LCD (liquid crystal display) is used.

Next, the member store communication means 158 will be explained.
The member store communication means 158 transmits credit information CI such as the payment amount STM and the personal identification code PIN input to the member store information processing means 106 to the acquirer information processing means 112 via the first communication line 136, and It is communication means between the member store information processing means 106 and the acquirer information processing means 112 for receiving credit settlement completion information 138 and the like from the acquirer information processing means 112 .

Next, the member store reading means 162 will be explained.
The member store reading means 162 has a function of reading the credit card number CCN or the like recorded on the credit card 120, and a known contact or non-contact card reader is used.

Next, the member store input means 164 will be explained.
The member store input means 164 has a function of inputting the settlement amount STM and the personal identification code PIN, and in the first embodiment, it is the numeric keypad 144 described above.

The merchant printer 166 will now be described.
The member store printer 166 is a device having a function of printing the credit settlement completion information 138 on the printing paper 172, and is usually integrated with the member store information processing means 106 or miniaturized to be installed in the vicinity, and is a thermal printer. (Thermal printer or transfer printer) is used, but if the size does not matter, a normal ink type, toner type, impact printer, or the like can be used.
That is, after the credit card payment processing is substantially completed, the attached member store printer 166 issues a credit payment receipt 142 on which credit payment completion information 138 such as the payment amount STM is printed. Instead of the member store printer 166, the credit settlement completion information 138 to be printed on the credit settlement receipt 142 can be sent as an e-mail addressed to the mobile phone or the like owned by the customer 102, or the customer 102 can It may be distributed to a portable information device owned and displayed.

Next, the member store bus line 168 will be explained.
Member store bus line 168 connects member store communication means 158, member store storage means 154, member store display means 156, member store reading means 162, member store input means 164, member store printer 166, and member store information storage means 170. are known bus lines for communicating information to each other.

Next, the member store information storage means 170 will be explained.
The member store information storage means 170 stores member store information MS1 such as business type information CB and member store name MSN, and has a function of outputting it in response to a request, and a known non-volatile storage (recording) device is used. The business type information CB, member store name MSN, etc. are determined in advance according to a predetermined rule based on the contract between the member store 104 and the acquirer 108, and stored.

Next, the credit settlement receipt 142 will be described with reference to FIG.
The credit payment receipt 142 is a sheet on which the credit card payment details are printed, and usually includes industry information CB, member store name MSN, member store phone number, sales floor, staff, IC/MS identifier, credit card issuing company, slip number, Merchant information processing method code MSC, date of use, membership code, card sequence code, expiration date, ATC (Application Transaction Counter), transaction number, transaction details, payment category, handling category, approval number (credit code), amount, total The amount (settlement amount STM), the name of the card holder, the type of slip, etc. are printed.

Next, the industry information CB will be explained.
The business type information CB is information set for the management of the member store 104 by the acquirer 108, which is the management company of the member store 104, corresponding to the business type of the member store 104. The member store information processing means 106 is stored in the member store information storage means 170 in Details will be described later with reference to FIG.

Next, the member store name MSN will be explained.
The member store name MSN is the name of the member store 104 , such as A department store, B clothing store, C book store, etc., and is stored in the member store information storage means 170 .

Next, the operation of the member store information processing means 106 will be described with reference to the flow chart of FIG.
First, when the credit card 120 is inserted into the main body of the member store information processing means 106 for credit card settlement, the IC chip 140 embedded in the credit card 120 is read through the member store reading means 162 in step TS1. After reading the stored credit card number CCN, proceed to step TS2.
In step TS2, after inputting the payment amount STM and the payment method using the numeric keypad 144, the input key 146 is pressed to proceed to step TS3.
In step TS3, the credit card number CCN read from the IC chip 140 of the credit card 120, the member store information processing means code MSC stored in the member store information processing means code output device 148, the input payment amount STM, and the payment method , and make preparations for sending payment information SI such as the member store name MSN, etc., and proceed to step TS4.
In step TS4, after inputting the personal identification code PIN using the numeric keypad 144, the process proceeds to step TS5.
At step TS5, when the input key 146 is pressed, the payment information SI prepared at step TS4 is sent to the acquirer information processing means 112 together with the credit request CR, and then the process proceeds to step TS6.
In step TS6, it is determined whether or not the credit information CI is received. If received, the process proceeds to step TS7, and if not received, the process proceeds to step TS8.
In step TS7, settlement completion processing is performed and the processing ends. The settlement completion process is, for example, printing the credit settlement completion information 138 on the credit settlement receipt 142 using the member store printer 166 .
In step TS8, it is determined whether or not the distrust information DI has been determined. If the distrust information DI has been determined, the process proceeds to step TS9, and if not determined, the process returns to step TS6. That is, the loop of steps TS6 and TS8 is a standby state for credit information CI.
In step TS9, after displaying on the member store display means 156 that credit has not been obtained, the process is terminated.

The acquirer 108 will now be described.
The acquirer 108 concludes a card payment contract with a specific international brand 114 and member store 104, and when a credit card 120 related to the specific international brand 114 is used for credit card payment at the contracted member store 104, It has a function of providing services to the member store 104, such as paying the member store settlement amount for credit card settlement (transfer (remittance)) to the member store 104. The acquirer 108 manages the acquirer information processing means 112 and provides various services to the member store 104 by the acquirer information processing means 112 . Incidentally, when the credit card 120 related to the non-contracted international brand 114 is used at the contracted member store 104, the acquirer information processing means 112 does not send the payment information to the non-contracted international brand 114. It has a function to transfer SI and credit request RC. Acquirer information processing means 112 and member store information processing means 106 are connected by first communication line 136 .

Next, the acquirer information processing means 112 will be described with reference to FIG.
The acquirer information processing means 112 communicates with the member store information processing means 106 and/or the international brand information processing means 116, performs the acquirer function necessary for credit card settlement, and includes at least the acquirer computing means 184, the acquirer Storage means 186, acquirer display means 188, acquirer bus line 190, acquirer communication means 192, and acquirer input means 194, each transmitting information via acquirer bus line 190, acquirer computing means 184 Information received via the acquirer communication means 192 and/or input information from the acquirer input means 194 is processed based on a predetermined program stored in the acquirer storage means 186, and an appropriate Necessary information is communicated with the member store information processing means 106 and/or the international brand information processing means 116 while displaying.

Next, the action of the acquirer information processing means 112 will be described with reference to the flow chart of FIG.
First, in step AS1, when it is determined that there is a credit request CR together with the transmission of payment information SI from the member store information processing means 106, the process proceeds to step AS2, and when there is no credit request CR, step AS1 is looped. The loop of step AS1 is a credit request waiting state.
In step AS2, the credit request CR is sent to the international brand information processing means 116 together with the payment information SI such as the payment amount STM, and the process proceeds to step AS3.
In step AS3, it is determined whether or not the credit information IC is received from the international brand information processing means 116. If received, the process proceeds to step AS4, and if not received, the process proceeds to step AS5.
In step AS4, the credit information CI is sent to the relevant member store information processing means 106, and the process ends.
In step AS5, it is determined whether or not distrust information DI has been received. If received, the process proceeds to step AS6, and if not received, the process returns to step AS3. Leaps in steps AS3 and AS5 are credit information waiting states.
In step AS6, the distrust information DI is transmitted to the relevant affiliated store information processing means 106, and the process ends.

Next, the international brands 114 are explained.
The international brand 114 manages the international brand information processing means 116, and uses the international brand information processing means 116 to perform credit card payment processing for the acquirer 108 or the issuer 118 who has entered into the brand participation contract. It has a function to provide a system, and usually manages credit card numbers for each international brand, and cooperates with the acquirer 108 to make credit card payments to the merchant 104, and cooperates with the issuer 118 to the customer 102 credit card settlement, but may also have an acquirer function for managing the member store 104 and/or an issuer function for issuing credit cards 120 and managing users. In this first embodiment, the international brand 114 only provides an international credit card payment system. The international brand information processing means 116 and the acquirer information processing means 112 are connected by a second communication line 160 .

Next, the international brand information processing means 116 will be described with reference to FIG.
The international brand information processing means 116 communicates with the acquirer information processing means 112 and/or the issuer information processing means 122, performs the international brand functions required for credit card settlement, and includes at least the international brand computing means 196 and the international brand storage means. It includes a means 198, an international brand bus line 200, an international brand display device 202, an international brand communication means 204 and an international brand input means 206, which communicate information via the international brand bus line 200 respectively. The international brand computing means 196 processes the information received via the international brand communication means 204 and/or the input information from the international brand input means 206 based on a predetermined program stored in the international brand storage means 198, and It communicates the necessary information with the acquirer information processing means 112 and/or the issuer information processing means 122 while making an appropriate display on the display device 202 . The international brand information processing means 116 and the issuer information processing means 122 are connected by a third communication line 178 .

Next, the action of the international brand information processing means 116 will be described with reference to the flow chart of FIG.
First, in step BS1, it is determined whether or not there is a credit request CR along with the transmission of payment information SI from the acquirer information processing means 112. If a credit request CR is determined, the process proceeds to step BS2, and if there is no credit request CR, step BS1 is looped. do. The loop of step BS1 is a credit request waiting state.
In step BS2, issuer 118 is identified from credit card number CCN in payment information SI such as payment amount STM, payment information SI and credit request CR are transmitted to issuer information processing means 122 managed by issuer 118, and step BS3 proceed to
At step BS3, it is determined whether credit information CI has been received from the issuer information processing means 122. If received, the process proceeds to step BS4, and if not received, the process proceeds to step BS5.
At step BS4, the credit information CI is transmitted to the relevant acquirer information processing means 112, and the process ends.
In step BS5, it is determined whether or not the distrust information DI has been received, and if received, the process proceeds to step BS6, and if not received, the process returns to step BS3. A loop of steps BS3 and BS5 is a credit information waiting state.
At step BS6, the distrust information DI is transmitted to the acquirer information processing means 112, and the process ends.

Issuer 118 will now be described.
The issuer 118 manages the issuer information processing means 122 and cooperates with the international brand 114 (international brand information processing means 116) using the issuer information processing means 122 to provide the international brand 114 to the customer 102 who has made a card payment contract. issues a credit card 120 to which a credit card number CCN managed by is assigned, and exhibits an issuer (customer management) function. The issuer function outputs credit information CI or distrust information DI based on the credit request CR from the international brand 114, and also outputs the customer bank account 174 at the customer bank 128 (customer bank account information processing means 132) designated by the customer 102. (transfer (remittance)) to a predetermined bank account designated by the issuer 118, and at least a credit card number for the deposit assistance information processing means 126 in the deposit assistance business operator 124. It has a function to transmit CNN, payment amount STM and merchant information MSI. The issuer information processing means 122 is connected to the international brand information processing means 116 by the third communication line 178 . Further, issuer information processing means 122 is connected to customer bank account information processing means 132 by a fourth communication line 180 and to deposit assistance information processing means 126 by a fifth communication line 182 .

Next, the issuer information processing means 122 will be described with reference to FIG. function and the function of providing predetermined information to the deposit support information processing means 126, at least the issuer calculation means 212, the issuer storage means 214, the issuer bus line 216, the issuer display means 218, the issuer communication means 222, and issuer input means 224, which transmit information via issuer bus line 216, and issuer computing means 212 receives information via issuer communication means 222 based on a predetermined program stored in issuer storage means 214. Information and/or input information from issuer input means 224 is processed and displayed appropriately on issuer display means 218 to international brand information processor 116, customer bank account information processor 132 and/or deposit assistance information processor 126. and communicate the necessary information.

Next, the action of the issuer information processing means 122 will be described with reference to the flow chart of FIG.
First, in step IS1, it is determined whether there is a credit request CR together with the transmission of payment information SI from the international brand information processing means 116. If a credit request CR is determined, the process proceeds to step IS2, and if there is no credit request CR, step IS1 is looped. do. The loop of step IS1 is a credit request waiting state.
In step IS2, it is determined whether the credit card number CCN and the personal identification code PIN are true, and if true, the process proceeds to step IS3, and if false, the process proceeds to step IS4.
In step IS3, after the credit information CI is sent to the international brand information processing means 116 and credit processing is performed, the process proceeds to step IS5.
In step IS4, after transmitting the distrust information DI to the international brand information processing means 116, the process is terminated.
After outputting the payment information SI to the deposit support information processing means 126 in step IS5, the process proceeds to step IS6.
In step IS6, from the customer bank account 174 at the customer bank 128 corresponding to the credit card number CCN, the payment amount STM is paid once and the amount determined by the prescribed payment method such as installment payment is debited according to the customer bank account information. It is transmitted to the processing means 132, and the credit settlement processing ends. In the case of credit card payment, the payment amount STM is withdrawn on a predetermined day every month, and in the case of debit card payment and prepaid card payment, the payment is immediately withdrawn.

Next, customer bank 128 will be described.
The customer bank 128 manages the customer bank account information processing means 132, and transfers the settlement amount STM and the amount determined by the issuer information processing means 122 based on the payment method from the customer bank account 174 of the customer 102 to the issuer information processing. The change savings account is transferred from the customer's bank account 174 of the customer 102 based on the function of performing processing to make the transfer to the bank account designated by the means 122 and the transfer instruction RO from the deposit support information processing means 126 in the deposit support business operator 124 It has a function to process the transfer (remittance) of the specified amount to the CA. The change savings account CA may be set up at a bank different from the customer bank 128, but since a transfer (remittance) fee is often required, it may be opened at the same branch of the same customer bank 128. preferable.

Next, the customer bank account information processing means 132 will be described with reference to FIG.
The customer bank account information processing means 132 communicates with the issuer information processing means 122 and functions as a customer bank 128 necessary for credit card settlement. A bus line 232, a customer bank display device 234, a customer bank communication means 236, and a customer bank input means 238, which transmit information respectively via the customer bank bus line 232, and a customer bank calculation means 226 and a customer bank storage means. 228, processes information received via customer bank communication means 236 and/or input information from customer bank input means 238, and provides appropriate displays on customer bank display device 234; It communicates necessary information with the issuer information processing means 122 . Further, the customer bank account information processing means 132 communicates with the deposit assistance information processing means 126 to transfer the amount of the change deposit CD instructed by the deposit assistance information processing means 126 from the customer bank account 174, which is the predetermined deposit account of the customer 102. It has a function to process transfer (remittance) to the change deposit account CA. This transfer processing is performed by customer bank calculation means 226 based on a program stored in customer bank storage means 228 .

Next, the operation of the customer bank account information processing means 132 in relation to the issuer information processing means 122 will be described with reference to the flow chart of FIG. 13(A).
First, in step CS1, it is determined whether or not there is a transfer request SR of the specified amount in the specified bank account from the customer bank account 174 as credit settlement from the issuer information processing means 122. If the transfer request SR is determined, the process proceeds to step CS2. If there is no transfer request SR, step CS1 is looped. The loop of step CS1 is a transfer request waiting state.
At step CS2, the specified amount is debited from the customer bank account 174 of the customer 102, transferred to the specified bank account, and then the process ends. This transfer is generally performed at a fixed time every month such as the end of the month.

Next, the operation of the customer bank account information processing means 132 in relation to the deposit assistance information processing means 126 will be described with reference to the flow chart of FIG. 13(B).
In step CS11, it is determined whether or not there is a transfer order RO of the specified amount from the deposit support information processing means 126 to the change deposit account CA from the customer bank account 174. If the transfer order RO is discriminated, the process proceeds to step CS12, where the transfer order RO is present. If not, loop through step CS11. The loop of step CS11 is a state of waiting for a change transfer request.
At step CS12, after the designated amount is transferred from the customer bank account 174 of the customer 102 to the change savings account CA, the process ends. This transfer is preferably performed each time an instruction is given from the deposit support information processing means 126, but it can also be performed collectively for a predetermined period, for example, for one week.

Next, the deposit support business operator 124 will be explained.
The deposit support business operator 124 manages the deposit support information processing means 126, and the deposit support information processing means 126 performs card settlement for the member store information MSI set based on the change amount setting rule ULR determined by the customer 102. The payment amount STM for the same member store information MSI included in the payment information SI transmitted from the issuer information processing means 122 is subtracted from the budget amount SBM, and the difference (change) remaining after the subtraction is sent to the customer bank 128. It has a function of automatically depositing money into the change deposit account CA of the customer 102 . However, the function of the deposit support information processing means 126 also includes a function that produces an effect similar to that of generating change.

Next, deposit support information processing means 126 will be described with reference to FIG.
The deposit support information processing means 126 communicates with the issuer information processing means 122 and exhibits the functions necessary for executing the change deposit CD using the member store information MSI (industry information CB, etc.). includes deposit support calculation means 242, deposit support storage means 244, deposit support bus line 246, deposit support display means 248, target setting means 250, deposit support communication means 252, deposit support input means 254, card payment budget amount setting means 256. , change deposit amount calculation means 258, change deposit object determination means 260, change deposit object information storage means 262, deposit means 264, supporting member store information storage means 266, advertising means 268, and reporting means 270, deposit support bus Each information is transmitted via line 246, and deposit support calculation means 242 receives payment from issuer information processing means 122 via deposit support communication means 252 based on a predetermined program stored in deposit support storage means 244. Based on the information SI, it determines whether or not it is subject to the change deposit CD in cooperation with the change deposit object information storage means 262. Based on this, the change deposit amount calculation means 258 calculates the amount of the change deposit CD, and the deposit support display means 248 displays an appropriate display while the deposit means 264 issues a change deposit CD transfer command RO to the customer bank account information processing means 132. Output.

First, the deposit assistance calculation means 242 will be explained.
When the issuer information processing means 122 receives the payment information SI from which the credit information CI is output, the deposit assistance calculation means 242 processes according to a predetermined program stored in the deposit assistance storage means 244, and at least sets the card payment budget amount. If the actual payment amount STM is less than the card payment budget amount SBM set based on the change amount setting rule ULR determined corresponding to the member store information MSI in means 256, that is, the card payment budget amount SBM A transfer command RO that instructs the customer bank account information processing means 132 to calculate the change CM when the settlement amount STM is subtracted and to transfer the change CM from the customer bank account 174 at the customer bank 128 to the change deposit account CA. , and a so-called microprocessor is used in the first embodiment.

Next, the deposit assistance storage means 244 will be explained.
The deposit assistance storage means 244 has a function of storing a program set so that the deposit assistance calculation means 242 can perform a predetermined function, and is composed of known storage means.

Next, deposit support bus line 246 will be described.
Deposit support bus line 246 has a function of performing communication between each means constituting deposit support information processing means 126, and a known bus line is used.

Next, the deposit support display means 248 will be explained.
The deposit support display means 248 has a function of displaying an appropriate state of the deposit support information processing means 126 based on the instruction from the deposit support calculation means 242, and in the first embodiment, it is composed of a known LCD or the like. be done.

Next, the deposit support communication means 252 will be explained.
The deposit support communication means 252 has a function of communicating with the issuer communication means 222 provided in the issuer information processing means 122 or the customer bank communication means 236 provided in the customer bank account information processing means 132. Any wireless system may be used, but in consideration of security, it is preferable to use a known wired system such as an optical line.

Next, the deposit assistance input means 254 will be explained.
The deposit assistance input means 254 has a function for inputting necessary numerical information and character information in the deposit assistance calculation means 242, and a known keyboard is used. In the first embodiment, it is used for pre-registration of the member store name MSN of the member store 104 and industry information CB.

Next, the card settlement budget amount setting means 256 will be described.
The card settlement budget amount setting means 256 has a function of setting a card settlement budget amount SBM that can be settled when performing card settlement for predetermined member store information MSI (industry information CB, etc.). , deposit target merchant information setting means 278 and change amount rule setting means 282 .

First, the deposit target merchant information setting means 278 will be explained.
The deposit target member store information setting means 278 has a function of selecting a card payment target to which the change deposit CD in card settlement is applied. It has a function of determining whether it is a card payment that is subject to a change deposit CD by using industry information CB, etc.), and in the first embodiment, it is configured by software.
The member store information MSI is, for example, representative of the above-mentioned industry information CB and member store name MSN, and is information that can specify the type or name of the member store 104 . As shown in FIG. 15, for example, the business type information CB includes public utility charges, retail trade, service industry, transportation, etc. as a broad section CB1, which is further subdivided within the broad section CB1. The industry code CB2 is represented by, for example, a 4-bit code. However, when the business type information CB is coded, it is difficult for the customer 102 to understand it. Therefore, the term information CB3 may be term information such as telephone charge, electricity charge, and department store. In detail, the business type information table 280 in FIG. 15 is divided into a four-digit number corresponding to public utility charges, retail stores, etc. for the broad category CB1, a four-digit number corresponding to the term information CB3 for the business type code CB2, and the term information CB3. there is By the way, the industry code CB2 for telephone charges in the term information CB3 is 1111, the electricity charge in the term information CB3 is 1119, the industry code CB2 for the major division CB1 is retail stores, and the term information CB3 is for department stores and the business type is 1201. Code CB2 1211 has term information CB3 for women's ready-made clothing, industry code CB2 1212 has term information CB3 for children's and infant clothing, industry code CB2 1801 has term information CB3 for cafeterias and industry code CB2 1802 The terminology information CB3 is restaurant/izakaya/bar/nightclub, and the terminology information CB3 of 1803 of industry code CB2 is set as fast food. For the business type information CB, any of the broad division CB1, the business type code CB2, or the terminology information CB3 may be adopted. is preferred. In the description of the first embodiment, the business type information CB, which is a generic term for these, is used, but any of them can be used.
In the deposit target member store information setting means 278, the member store information MSI that is the target of the change deposit CD is set by, for example, the industry information CB or the member store name MSN.
The business type information CB or member store name MSN that has been set is stored in the change deposit target information storage means 262 .
Furthermore, the change amount rule setting means 282 sets a change amount setting rule ULR, which is a rule for the card settlement budget amount SBM for card settlement for the member store information MSI. In the first embodiment, when the business type information CB is to which the change amount setting rule ULR is applied, the card payment budget amount SBM set by the change amount setting rule ULR is applied. Therefore, if the member store information MSI in card payment is industry information CB other than the industry information CB to which the change amount setting rule ULR is applied, the card payment budget amount SBM is not set.
Also, when setting the member store name MSN as the member store information MSI, it is effective when it is desired to apply it to card settlement for a specific member store 104 . In addition, for example, when travel expenses for summer vacation are secured by a change deposit CD, it is effective to apply the change deposit CD to card payments for karaoke parlors and restaurants belonging to the amusement industry. can be adopted.

Next, the change amount rule setting means 282 will be described.
The change amount rule setting means 282 has a function of setting a change amount setting rule ULR for how to make the change CM when the change deposit CD is applied based on the member store information MSI. is composed of software. That is, the change amount rule setting means 282 sets the card payment budget amount SBM at the time of card payment for predetermined member store information MSI to an amount larger than the settlement amount STM according to the predetermined change amount setting rule ULR. As shown in Embodiment 2, when the amount of the change deposit CD, which is the change CM, is determined for each predetermined period, there may be cases where it does not always exceed the settlement amount STM, but the present invention includes such a case. It is a thing. The first change amount setting rule ULR1 in the first embodiment is based on the rounded amount, in other words, the digits selected from the ones, tens, hundreds, thousands, and ten thousand digits. The card payment budget amount SBM is set based on a rule that sets the selected amount to zero in the amount that is larger than and closest to the payment amount STM. Specifically, for example, when setting the card payment budget amount SBM by selecting from 100 yen, 1000 yen, 2000 yen, 5000 yen, or 10000 yen, the unit of the card payment budget amount SBM is set to 1000. When set in units of yen, if the payment amount STM is 980 yen, the credit card payment budget SBM is set at 1,000 yen, and the difference between the credit card payment budget SBM of 1,000 yen and the payment amount STM of 980 yen is changed by 20 yen. It becomes CM, and this change CM is applied to the change deposit CD. If the credit card payment budget amount SBM is set in units of 10000 yen, and if the payment amount STM is 980 yen, the difference between them, 9020 yen, will be the change CM and will be applied to the change deposit CD.
As the second change amount setting rule ULR2 in the change amount rule setting means 282, it is possible to add a certain amount of X yen to the settlement amount STM. For example, a predetermined amount of X yen may be set for the settlement amount STM, and X yen may be set to, for example, 100 yen, 1000 yen, or 10000 yen, and this X yen may be applied to the change deposit CD as the change CM. For example, if a fixed amount of 1000 yen is set and the payment amount STM is 1680 yen, the fixed amount of 1000 is added to 2680 yen, which can be used as the card payment budget amount SBM.
Further, as the third change amount setting rule ULR3, the predetermined amount in the second change amount setting rule ULR2 may be changed according to the amount of the settlement amount STM. For example, if the payment amount STM is 5,000 yen or less, set the predetermined amount to 100 yen, set the amount over 5,000 yen to 10,000 yen to 500 yen, and if the settlement amount is over 10,000 yen, set the change CM to the change deposit CD. It is possible to
As the fourth change amount setting rule ULR4, when the card payment budget amount SBM is set in units of 2000 yen, the card payment budget amount SBM is increased by 2000 yen. For example, even if the payment amount STM is 4500 yen or 5500 yen, if the payment amount STM is 1 to 1999 yen, the card payment budget SBM is 2000 yen, and if it is 2000 yen to 3999 yen, the card The payment budget amount SBM is set at 4000 yen, and if the payment amount STM is between 4000 yen and 5999 yen, the card payment budget amount SBM is set at 6000 yen.
As the fifth change amount setting rule ULR5, when the card payment budget SBM is set to 5000 yen, if the payment amount STM is between 1 yen and 4999 yen, the card payment budget SBM is set to 5000 yen and the payment amount If the STM is between 5,000 yen and 9,999 yen, the card payment budget SBM is set at 10,000 yen.
The fifth change amount setting rule ULR5 also includes the following example. For example, if the settlement amount STM exceeds 10,000 yen, the card settlement budget amount SBM is set in units of 10,000 yen, and if the settlement amount STM is 9,999 yen or less, it can be set in units of 1,000 yen. In the first embodiment, the card payment budget amount setting means 256 is configured by software. That is, the deposit target member store information setting means 278 and the change amount rule setting means 282 are configured by software.

Next, the change deposit calculation means 258 will be described.
When the member store information MSI provided from the issuer information processing unit 122 is the predetermined member store information MSI, the change deposit amount calculation means 258 calculates the amount of the change deposit CD reflecting the card payment budget amount SBM. have a function. The change deposit CD amount reflecting the card payment budget amount SBM means that the change deposit CD amount is determined in relation to the card payment budget amount SBM. This is a concept that includes addition of a predetermined amount to the settlement amount STW in addition to subtraction of the amount STW. In the first embodiment, the change deposit calculation means 258 calculates the card payment budget amount SBM set based on the change amount setting rule ULR set in the change amount rule setting means 282, and calculates the card payment budget amount SBM. It has a function of subtracting the settlement amount STW from SBM and calculating the amount of the change deposit CD, which is the change CM, and is composed of a program.
In the first change amount setting rule ULR1, the card settlement budget amount SBM is first set according to the setting conditions, and then the settlement amount STM is subtracted from the card settlement budget amount SBM to calculate the change CM. It is set as a change deposit CD.
In the second change amount setting rule ULR2, X yen is added to the payment amount STM to set the card payment budget amount SBM, then the payment amount STM is subtracted from the card payment budget amount SBM to calculate the change CM, The change CM is set as the change deposit CD. In the second change amount setting rule ULR2, in order to simplify the process, X yen may be used as the change CM. In other words, if the industry information CB is for the change deposit CD, X yen can be made the change deposit CD for each credit card transaction.
In the third change amount setting rule ULR3, the change deposit CD amount is set corresponding to the settlement amount STM.
In the fourth change amount setting rule ULR4, the card payment budget SBM is set for each predetermined unit amount, and after the card payment budget SBM is set for each predetermined unit amount, the payment amount STM is calculated from the card payment budget SBM. The change CM is calculated by subtraction, and the change CM is set as the change deposit CD.
In the fifth change amount setting rule ULR5, the card payment budget SBM is first set according to the setting conditions, that is, according to the payment amount STM, and then the payment amount STM is subtracted from the card payment budget SBM. The change CM is calculated, and the change CM is set as the change deposit CD.

Next, the operation of the card payment budget amount setting means 256 will be described with reference to the flowchart shown in FIG.
First, the case of setting the deposit target member store information DMI in the deposit target member store information setting means 278 will be described.
At step SSS1, the deposit setting screen DS1 is displayed on the deposit support display means 248, and the process proceeds to step SSS2. On the deposit setting screen DS1, a "Yes button 284" and a "No button 286" are displayed on the left side and below the letters "Would you like to deposit change?"
In step SSS2, it is determined whether or not the button 284 has been pressed. If the button 284 has been pressed, the process proceeds to step SSS3, and if not, the process proceeds to step SSS4.
In step SSS3, the industry input screen DS2 is displayed on the deposit support display means 248, and the process proceeds to step SSS5. An input box 288 and an enter button 292 are displayed on the industry input screen DS2 together with a character string "Please enter industry information or store name".
At step SSS4, it is determined whether or not the "do not button 286" has been pressed. A loop of steps SSS2 and SSS4 is a standby state for change savings setting.
At step SSS5, the deposit support input means 254 is used to input the industry information CB or member store name MSN for the change deposit CD into the input box 288 on the industry input screen DS2, and the process proceeds to step SSS6. In the first embodiment, the business type information CB is broad division CB1, business type code CB2, or terminology information CB3 shown in FIG. It is notation such as Roman letters or English.
At step SSS6, it is determined whether or not the confirmation button 292 has been pressed. If it has been pressed, the process proceeds to step SSS7.
At step SSS7, the selection screen for the first change amount setting rule ULR1, the number input box 294, and the selection confirmation button 296 are displayed on the selection screen DS3, and the process proceeds to step SSS9. Number 1 displayed on the left side of the selection screen DS3 is the above-mentioned 100 yen unit, 2 is the above-mentioned 1000 yen unit, 3 is the above-mentioned 2000 yen unit, 4 is the above-mentioned 5000 yen unit, and 5 is the above-mentioned 10000 yen unit. is.
In step SSS9, a number is entered in the number input box 294 on the selection screen DS3, and it is determined whether or not the selection confirmation button 296 has been pressed.
At step SSS10, it is stored in the change deposit target information storage means 262, in other words, the first change amount setting rule ULR1 is stored, and the process proceeds to step SSS13.
In step SSS8, it is determined whether or not a predetermined time has passed after proceeding to step SSS6. If the predetermined time has passed, the process proceeds to step SSS12, and if not, the process returns to step SSS6. A loop of steps SSS6 and SSS8 is a waiting state for input of a target code or the like.
In step SSS11, it is determined whether or not a predetermined time has passed after proceeding to step SSS9. If the predetermined time has passed, the process proceeds to step SSS12, and if not, the process returns to step SSS9. A loop of steps SSS9 and SSS11 is a standby state of the change amount setting rule ULR.
In step SSS12, after a display indicating that the process has been terminated because the predetermined time has passed is displayed on the deposit support display means 248, the process is terminated.
At step SSS13, a change deposit command CDO is output to the deposit means 264, and the process ends.
It is preferable that various settings in this card payment budget amount setting means 256 can be remotely set by operating the customer information processing means 298, which will be described later. In the first embodiment, the business type information CB and the change amount setting rule ULR can be set by remote control using the customer information processing means 298 .
In the above example, the first change amount setting rule ULR1 is adopted, but the above-mentioned second change amount setting rule ULR2 to fifth change amount setting rule ULR5 can be adopted, in which case each change setting rule is met. The flow chart and setting screens are adopted.

Next, the change deposit calculation means 258 will be described.
The change deposit amount calculation means 258 subtracts the payment amount STM provided from the issuer information processing means 122 from the card payment budget amount SBM set by the card payment budget amount setting means 256 based on the change amount setting rule ULR. , has the function of calculating the change CM. This function also includes a function of calculating the total credit settlement amount ISTM, which is the sum of the settlement amounts STM of the same member store information MSI in a predetermined period. In the first embodiment, when the payment information SI including the same member store information MSI as the member store information MSI set by the deposit target member store information setting means 278 is received from the issuer information processing means 122, the change amount rule is set. The difference obtained by subtracting the settlement amount STM from the card settlement budget amount SBM set by means 282 is taken as the change CM and the change deposit CD.

Next, the change deposit object discrimination means 260 will be explained.
The change deposit object determination means 260 has a function of determining whether or not the payment information SI received from the issuer information processing means 122 is the object of the change deposit CD. Specifically, it includes a card number customer account table 272 of credit card number CCN and change deposit account CA, and object discrimination means 274 .

First, the card number customer account table 272 will be explained.
17, the card number customer account table 272 includes at least the credit card number CCN, the industry information CB for the change deposit CD, the change amount setting rule ULR, and the It is a comparison table between the customer's bank account 174 and the change deposit account CA. As a specific example, the customer 102A whose credit card number CCN is "1234-1234-1234-1234" has "1201" and "1202" in the industry code CB2 as the industry information CB for the change deposit CD for the credit card 120. and "1203" are set, and the change amount setting rule ULR 2 described above is set for each industry code CB2. 523456”. The change amount setting rule ULR can be unified as in the first embodiment, but can be set differently for each type of industry information CB. The registration for customer 102B is as follows: credit card number CCN is "2345-2345-2345-2345", industry code CB2 for change deposit CD is "1221", change amount setting rule ULR is 5 as described above, and customer bank account 174 is "002-200-2345678", and the change account CA is "002-200-5345678". Other customers 102 are similarly registered. The industry information CB adopts the industry information CB in FIG. Furthermore, a savings purpose SO can be set in association with the credit card number CCN and the change deposit account CA. For example, as shown in FIG. 17, one saving purpose SO can be set for one business type information CB, or one saving purpose SO can be set for a plurality of business type information CBs (3 in FIG. 17). You can do this and vice versa. However, the relationship between the change deposit account CA and the savings purpose SO must be one-to-one. This is to clarify the relationship between the savings purpose SO and the change deposit CD. Furthermore, as shown in FIG. 17, the target amount MO and the achievement time DO for the target amount MO can be registered (stored) in correspondence with the credit card number CCN. The goal setting means 250 is means for setting the target amount MO and the achievement time DO. In the first embodiment, the customer 102A sets the target amount MO of the change deposit CD to 100,000 yen for the purpose of purchasing bags, and sets the achievement time DO to December 2016, and the customer 102B travels SO for the purpose of saving. The target amount MO of the change deposit CD is 1 million yen, and the achievement time DO is set in June 2017. Therefore, in the first embodiment, the goal setting means 250 is composed of the deposit support input means 254 and the program.
Furthermore, the card number customer account table 272 is provided for each business type information CB in which a recording area for the change deposit record CDR is set relative to the credit card number CCN. It is stored in the change deposit record CDR column corresponding to the CB. In the first embodiment, three types of business type information CB are set for the customer 102A, so that the change deposit record CDR is recorded corresponding to each type of business type information CB. Since one business type information CB is set for the customer 102B, one change deposit record CDR is recorded. Also, each time a change deposit CD is made, the date and time and the amount of the change deposit CD are stored. Therefore, if the change amount setting rule ULR is monthly, the amount of change deposit CD is stored once a month. Furthermore, in the card number customer account table 272, the e-mail address MA set for the customer information processing means 298 of the customer 102, such as a smart phone, a mobile information device, or a PC, is associated with the credit card number CCN. remembered. This is for transmitting advertisements and warnings, which will be described later. In the first embodiment, in the card number customer account table 272, a plurality of pieces of information are recorded in correspondence with the credit card number CCN. It is also possible to provide a plurality of tables such as card numbers, customer accounts, etc.

Next, the object discrimination means 274 will be explained.
The target discriminating means 274 has a function of discriminating whether or not the payment information SI received from the issuer information processing means 122 is a change deposit CD target. Determine if it is a target. Specifically, it determines whether the business type information CB is registered in the card number customer account table 272 corresponding to the credit card number CCN received from the issuer information processing means 122, and if the business type information CB is registered, It is determined that it is subject to the change deposit CD, and if the industry information CB is not registered, it is determined that it is not subject to the change deposit CD.

Next, the action of the object discriminating means 274 will be described with reference to the flowchart shown in FIG.
First, at step DS11, it is determined whether payment information SI has been received.
In step DS12, it is determined whether the same credit card number CCN as the credit card number CCN in the payment information SI exists in the credit card number CCN registered in the card number customer account table 272, and if it exists, the process proceeds to step DS13. If it does not exist, terminate the process. This is because the fact that the corresponding credit card number CCN does not exist in the card number customer account table 272 is not subject to the change deposit CD.
In step DS13, after obtaining member store information MSI from payment information SI, the process proceeds to step DS14.
At step DS14, it is determined whether or not the business type information CB stored in the card number customer account table 272 matches the business type information CB in the acquired member store information MSI. finish. This is because if there is no business type information CB registered in the acquired member store information MSI, it is not subject to the change deposit CD.
In step DS15, since the object is the change deposit CD, a change deposit amount calculation command CO is issued to the change deposit amount calculation means 258, and the process is terminated.

Next, the change deposit object information storage means 262 will be explained.
The change deposit target information storage means 262 has a function of storing the change amount setting rule ULR set by the card payment budget amount setting means 256, and a known non-volatile storage device is used.

Next, deposit means 264 will be described.
When a change deposit CD which is the change CM calculated in the change deposit amount computing means 258 is generated, the deposit means 264 transfers the change CM from the customer bank account 174 of the customer 102 to the change deposit account CA of the customer 102 as the change deposit CD. It has a function of outputting a transfer (remittance) command RO to the customer bank account information processing means 132, and in the first embodiment, it is constituted by a program.

Next, the action of deposit means 264 will be described with reference to the flow chart shown in FIG.
First, in step SM1, as a result of calculation by the change deposit amount calculating means 258, in the first embodiment, it is determined whether or not the change deposit command CDO output in step SSS13 in FIG. 16 exists. If it does not exist, terminate the process.
At step SM2, a transfer command RO is output to the customer bank account information processing means 132 to transfer the amount of the change deposit CD from the customer bank account 174 to the change deposit account CA, and the process is terminated. The customer bank account information processing means 132 transfers the amount of the change deposit CD from the customer bank account 174 to the change deposit account CA based on the transfer order RO.

Next, the supported member store information storage means 266 will be described.
The supporting member store information storage means 266 has a function of storing the member store information MSI of the member store 104 in the deposit support information processing means 126. It has a function of storing information that is individually applied based on the judgment of the customer 102 when the information MSI is not appropriate, and in the first embodiment, it is composed of the supporting member store information table 276 . For example, the affiliated store 104 is a complex store of a restaurant and a cake shop, is a restaurant under the contract with the acquirer 108, and the industry code CB2 in FIG. 15 is set to "1801". In this case, when purchasing a cake, the industry code CB2, which is the industry information CB, must be set to "1804", but the industry code CB2 stored in the member store information processing means 106 cannot be changed. In that case, in the deposit support information processing means 126, by registering the industry information CB of the member store 104 as "1804", which is the industry code CB1 of the confectionery to which the cake belongs, or as the confectionery in the terminology information CB3, accurate Change deposit CD can be done based on industry information CB, in other words, accurate merchant information MSI.

As shown in FIG. 20, the supported member store information table 276 stores the member store name MSN, industry code CB2, or terminology information CB3 of the member store 104 in association with the credit card number CCN.
When the member store name MNS or business type information CB is stored in the supporting member store information table 276, in step DS13 in the change deposit target determination means 260, the business type information CB included in the payment information SI is given priority to the supporting member store information table 276. In the shop information table 276, the business type information CB or member shop name MSN stored corresponding to the credit card number CCN is used.

Advertising means 268 will now be described.
The advertising means 268 has a function of providing the customer information processing means 298 with advertisements relating to goods or services registered in relation to the savings SO shown in FIG. there is Advertising means 268 includes advertising information table 302 .

Next, advertisement information table 302 will be described with reference to FIG.
In the advertisement information table 302, one or more advertisement URLs (uniform resource locators) in the first embodiment are registered (stored) in correspondence with the savings purpose SO, and the advertisement information AI that meets the savings purpose SO. . Of course, there are SOs for saving money that do not have URLs registered. This URL is registered at the request of the member store 104 that has concluded an advertising contract with the deposit support business operator 124 or a business operator other than the member store. This is because, by displaying an advertisement corresponding to the deposit purpose SO on the customer display means 314 of the customer information processing means 298, the probability of purchase at the member store 104 is increased, and an advertisement effect can be expected. As the advertisement information AI, in addition to the above URL, image information such as catalogs and photographs, or known advertisement information such as advertisement text can be adopted.
In the advertisement information table 302 shown in FIG. 21, three URLs are registered when the saving purpose SO is travel, and one URL is registered when the saving purpose SO is (purchase of) a bag. In addition, the customer information processing means 298 is configured to perform display based on the URL at a predetermined display position when the registered URL is received.

Next, the operation of advertising means 268 will be described with reference to the flowchart of FIG.
First, in step AS1, it is determined whether or not it is predetermined advertisement timing set in advance. If it is determined that it is advertisement timing, the process proceeds to step AS2, and if not determined, step AS1 is looped. Advertisement timing is, for example, every day at 7:00 in the morning, 12:00 in the afternoon, 6:00 in the afternoon, or other times, a predetermined time every other day, a predetermined time every several days, or every predetermined number of days such as a week. The determination is made based on the setting of the interval and the time, such as a predetermined time, at which the advertisement is likely to be effective.
Next, in step AS2, it is determined whether or not the saving purpose SO is registered in the card number customer account table 272 by using the credit card number CCN as a clue. If it is registered, the process proceeds to step AS3. do. This is because effective advertising targets cannot be narrowed down if they are not registered. However, it is possible to send an advertisement to the customer information processing means 298 prompting the change deposit CD.
In step AS3, it is determined whether or not the advertisement URL corresponding to the deposit purpose SO is registered in the advertisement information table 302. If it is registered, the process proceeds to step AS4, and if it is not registered, the process ends. This is because advertisement processing cannot be performed without registration.
In step AS4, if the URL corresponding to the purpose of deposit SO is registered in the advertisement URL column, enter the advertisement URL in the email addressed to the email address MA registered in the card number customer account table 272, After transmitting it to the customer information processing means 298 of the customer 102 who wants to do so via the public communication line 304, the process ends. In the customer information processing means 298 that received the mail, the customer 102 can view the advertisement by accessing the URL. Further, based on the received mail, the URL can be displayed on the customer display means 314 without the customer 102 operating it.

Next, the notification means 270 will be explained.
The notification means 270 considers the total deposit amount in the deposit means 264 at a predetermined time, the achievement time DO, and the target amount MO based on a predetermined algorithm, and issues an alarm signal according to the target amount MO achievement status at the achievement time DO. It has a function to output WS. Considering the total deposit amount, achievement period DO, and target amount MO means considering three factors: the total amount of change deposit CD, achievement period DO, and target amount MO, and various aspects are assumed. However, since it is actually calculated using a computer, it is a consideration method that can be expressed as a calculation formula. In addition, the target amount MO achievement status means the achievement status of the target amount MO, and in addition to the case where the target amount MO is not expected to be reached at the achievement time DO, it is expected to reach the target amount MO at the achievement time DO It is a concept that includes the case where In this sense, the warning signal WS is a concept that includes not only a signal notifying that it is expected not to arrive but also a signal notifying that it is expected to arrive. In the first embodiment, when at least the target amount MO and the achievement time DO of the change deposit CD are determined, the notification means 270 determines that the target amount MO and the achievement time DO are determined based on a predetermined algorithm. It has a first function of sending an alarm signal WS to the customer information processing means 298 when it is determined that it is difficult to achieve, and a second function of sending a change deposit notice mail when the change deposit CD is executed. It has a function to transmit, and both are configured by a program. Note that the second function may be provided as needed.

Next, the action of the first function of the notification means 270 will be described with reference to the flow chart of FIG. 23 and the explanatory diagram of FIG.
Although this program can be run at a predetermined time every day, it is preferable to run it at predetermined time intervals, such as once a week or once a month. This is because a predetermined interval of one day or more is more effective.
In step NS1, it is determined whether or not the target amount MO and target time DO are registered in the card number customer account table 272. If registered, the process proceeds to step NS2, and if not registered, the process ends.
In step NS2, the amount of change deposit CD for the target amount MO at that time is grasped, and the process proceeds to step NS3. That is, the amount of change deposit CD recorded in the change deposit record CDR corresponding to the industry information CB that is the object of the change deposit CD in the card number customer account table 272 is totaled.
At step NS3, the deposit increase rate of the change deposit CD for the most recent months is obtained, and the process proceeds to step NS4. An example of the deposit growth rate will be described later with reference to FIG.
In step NS4, the expected change deposit line VB (FIG. 24) based on the deposit growth rate is drawn starting from the amount of change deposit CD at that time, and the process proceeds to step NS5.
In step NS5, if the expected change deposit line CDL exceeds the target amount MO at the achievement time DO, the process ends, but if it does not exceed the target amount MO, the process proceeds to step NS6.
At step NS6, after acquiring the corresponding mail address MA from the card number customer account table 272, the process proceeds to step NS7.
At step NS7, the warning signal WS is put on the mail address MA and transmitted to the customer information processing means 298 via the public communication line 304, and then the process is terminated.
The customer information processing means 298, which will be described later, notifies the customer 102 of the incoming mail by sound, vibration, light emission, or the like. That is, the notification of the arrival of mail is also included in the notification by the notification means 270 or the transaction warning means 346 in the present invention. Based on the received warning signal WS, a predetermined character or illustration indicating that the target of the change deposit CD cannot be achieved is displayed on the customer display means 314 to motivate the customer to achieve the target.

The action of the second function will be described with reference to FIG. 23(B).
First, at step NS11, it is determined whether or not there is a transfer command RO. If there is, the process proceeds to step NS12. A loop of step NS11 is a waiting state for a transfer command RO.
At step NS12, after acquiring the corresponding mail address MA from the card number customer account table 272, the process proceeds to step NS13.
In step NS13, after attaching the date and time when the change deposit CD was made, the amount of the change deposit CD, and the industry information CB to the email addressed to the email address MA, the email is sent to the email address MA via the public communication line 304 and processed. exit.

The action of the first function of the notification means 270 will be described by applying it to the customer 102A in FIG. 17 and referring to FIG. The example in Figure 24 is a change deposit plan that starts the change deposit CD on December 01, 2015 and achieves a change deposit CD of 100,000 yen by December 31, 2106 after December. Since setting rule ULR2 is applied, a change deposit CD is made for each credit card transaction, but for the sake of convenience, it is shown as if the change deposit CD was aggregated at the end of the applicable month. Also, the reporting means 270 is performed at the end of each month when a new change deposit CD is accumulated, and the determination this time is August 31, 2016, eight months after the start. When the change deposit CD is made evenly, the change deposit CD is made along the uniform straight line A having a predetermined inclination. However, as shown by curve B, the change deposit CD was actually made at a pace that exceeded the straight line A immediately after the start, but the pace slowed down in the middle, and at the time of this judgment, the change was much faster than the straight line A. If the amount of the deposit CD is significantly lower, in step NS2, the change deposit CD for the eight months up to the present is tallied based on the record of the change deposit record CDR in the card number customer account table 272. In FIG. 24, it is assumed that 48,000 yen is accumulated.
Next, at step NS3, the rate of increase RI for the most recent multiple months is calculated. This calculation can be obtained by dividing the amount of increase in the change deposit CD in the last two months by the number of months 2, resulting in a previous slope line ASL1 having a predetermined slope based on a predetermined rate of increase RI1. In the first embodiment, since the rate of increase is the same for the immediately preceding two months, the preceding slope line ASL2 has the same slope as the immediately preceding two months. If the slopes of the immediately preceding two months are different, the immediately preceding slope line ASL is obtained by obtaining the average slope of the immediately preceding two months.
Next, in step NS4, the expected change deposit line VB1 is drawn at the same rate of increase RI1 (slope) as the previous slope line ASL, starting from the deposit amount of 48,000 yen in the change deposit CD at the time of determination, using the slope obtained in step NS3. , determines whether the target amount MO is reached at the arrival time DO.
Next, in step NS5, in the case of the expected change deposit line VB1, since the difference from the target amount MO is 30,000 yen or more, it is determined that it is difficult to reach the target amount MO, and the process proceeds to step NS6.
At step NS6, the alarm signal WS is sent to the customer information processing means 298, and the process is terminated.

Next, the case of curve C in FIG. 24 will be described. Curve C is a case in which, although it was initially sluggish with respect to the equal straight line A, the angle of inclination increased two months before the judgment date. In this case, the rate of increase RI2 (slope) of the previous slope line ASL2 at step NS3 is large.
In step NS4, when the expected change deposit line VB2 is drawn, it is predicted that the amount of change deposit CD at the arrival time DO will exceed the target amount MO, so the process ends without proceeding to step NS5. In this case, it is also possible to send to the customer information processing means 298 a message such as "The change deposit is going well" to increase the motivation of the customer 102 to change the deposit CD.
Therefore, an appropriate warning can be provided to the customer 102 by appropriately setting the relationship between the target monetary amount MO at the reaching time DO in step NS5 and the predicted reaching monetary amount.
The algorithm in the notification means 270 can output the alarm signal WS based on various algorithms other than the above-described first embodiment.

Next, the customer information processing means 298 will be described with reference to FIG.
The customer information processing means 298 processes the information transmitted from the deposit assistance information processing means 126 via the public communication line 304, or processes the information input by the customer input means 322 via the public communication line 304. Desktop type, tower type, laptop type, notebook type, netbook type, tablet type, in-vehicle type, wearable type, PDA (Personal Digital Assistant ) type, a PC (personal computer) such as a smart phone, which has at least a communication function, a display function, and an input function, and the smart phone 306 is used in the first embodiment. The customer information processing means 298 of the first embodiment includes a customer calculation means 308, a customer storage means 312, a customer display means 314, a customer communication means 316, a customer member store information rewriting means 318, a customer input means 322, and a customer bus line. 324, each communicating information via customer bus line 324, and customer computing means 308 based on a predetermined program stored in customer storage means 312, information received via customer communication means 316 and/or customer It processes input information from the input means 322 and communicates necessary information with the deposit support information processing means 126 while displaying appropriate information on the customer display means 314 .

First, the customer calculation means 308 will be explained.
Customer computing means 308 processes various information from customer communication means 316, customer member store information rewriting means 318, and customer input means 322 based on a program stored in customer storage means 312, and processes various information from customer communication means 316. and control customer display means 314 accordingly.

Next, customer storage means 312 will be described.
The customer storage means 312 stores a program for exerting the functions of the customer information processing means 298, and a known storage device is used.

Next, the customer display means 314 will be explained.
The customer display means 314 has a function as a man-machine interface for displaying necessary information to convey necessary information to the customer who is the operator, and a known display device such as an LCD is used.

Next, customer communication means 316 will be described.
The customer communication means 316 transmits the information input to the customer information processing means 298 by the customer input means 322 to the deposit support information processing means 126 via the public communication line 304, and also transmits the information from the deposit support information processing means 126 to the public communication. Communication means for receiving via line 304 .

Next, the customer member store information rewriting means 318 will be explained.
The customer member store information rewriting means 318 has a function of correcting the business type name CB for the member store name MSN in the supporting member store information table 276. Specifically, as described above, if the business type information CB included in the payment information SI In this case, the supporting member store information table 276 has a function of storing the name of the member store MSN and an appropriate industry name CB.

The operation of the customer member store information rewriting means 318 will be described with reference to the flow chart of FIG.
When correcting the business type information CB, first, the program is started by pressing the correction button 326 displayed on the customer display means 314 in FIG. 26(C).
That is, at step RS1 in FIG. 26(B), it is determined whether or not the correction button 326 has been pressed, and if it has been pressed, the process proceeds to step RS2; The loop of step RS1 is a correction waiting state.
In step RS2, correction input screen 328 is displayed on customer display means 314, and the process proceeds to step RS3. On the correction input screen 328, a store name input box 332 and an industry name input box 334 of the industry information CB are displayed below the characters "Please enter", and a rewrite confirmation button 336 is displayed below them. .
In step RS3, the customer 102 inputs a store name in the store name input box 332 using the customer input means 322, or inputs a new business name in the business name input box 334, and proceeds to step RS4.
In step RS4, it is determined whether or not the rewrite confirmation button 336 has been pressed. If it has been pressed, the process proceeds to step RS5, and if it has not been pressed, the process proceeds to step RS6.
In step RS5, the store name MSN or business type information CB input in step RS3 is written in the supported member store information table 276, and after being stored, the process is terminated.
In step RS6, it is determined whether or not a predetermined period of time has elapsed after moving to step RS4. If the predetermined period of time has elapsed, the process proceeds to step RS7, and if not, the process returns to step RS4. A loop of steps RS4 and RS6 is a waiting state for confirmation of store name/industry information CB.
At step RS7, the customer display means 314 displays that the time has passed, and the process ends.
Therefore, the customer member store information rewriting means 318 is composed of at least steps RS1 to RS5. In addition, when there are a plurality of business type information CBs as shown in FIG. 15, it is necessary to input the business type information CB that is actually used.

Next, the customer input means 322 will be explained.
The customer input means 322 has a function of inputting a store name, a business name, etc., and is a known keyboard in the first embodiment.

The customer bus line 324 will now be described.
Customer bus line 324 has a function of communicating various information among customer calculation means 308, customer storage means 312, customer display means 314, customer communication means 316, customer member store information rewriting means 318, and customer input means 322. and a known bus line is used.

Next, the operation of the automatic change deposit system 100 of the first embodiment will be described with reference to the flow chart of FIG.
The customer 102 who intends to make a change deposit CD makes a contract with the customer bank 128 in advance, provides the customer bank 128 with various necessary information in the card number customer account table 272, and the customer bank 128 sends it to the deposit support business operator 124. It is entrusted and recorded (stored) in the card number customer account table 272 in the deposit support information processing means 126 . In the first embodiment, the customer 102A in FIG. 17 will be described as an example. In other words, credit card number CCN set and registered in association with customer 102A in FIG. 17, customer bank account 174, change deposit account CA, deposit purpose SO, achievement time DO, change deposit record CDR, and mail address MA is registered (stored). However, when the change deposit CD is not specifically performed, the industry information CB and the change amount setting rule ULR are not registered.
If the business type information CB is not registered, there is no target business type information CB at step DS13 in the object discriminating means 274, so the change deposit CD transfer command RO is not output.
When the business type information CB is not registered in the card number customer account table 272 in advance and the customer 102A decides to carry out the change deposit CD, the customer 102A activates the card payment budget amount setting means 256 to enter the business type information CB and Set change amount setting rule ULR. That is, when customer 102A taps the icon of card payment budget amount setting means 256 displayed on customer display means 314 in own customer information processing means 298, the program of card payment budget amount setting means 256 is executed. At step SSS1, the deposit setting screen DS11 is displayed, and steps SSS2 to SSS10 are executed accordingly to set the industry information CB and the change amount setting rule ULR as described above.
In the present embodiment 1, for the customer 102A, the industry information OB is set to 1201 department store, 1211 women's ready-to-wear clothing, and 1212 children's and infant clothing, and the change amount setting rule ULR is set to 2 in units of 1000 yen. ing. For example, if a 1-yen purchase is made by credit card at a department store, women's clothing store, or children's and infant clothing store, 1,000 yen will be set as the credit card payment budget SBM, and 1 yen will be charged by normal credit card payment. The remaining 999 yen is deducted from the customer bank account 174 of the customer 102A, and the remaining 999 yen is transferred from the customer bank account 174 at the customer bank 128 to the customer bank account 174 by the transfer instruction RO from the deposit support information processing means 126 to the customer bank account information processing means 132. Transfer processed to CA and deposited.

Next, when the customer 102A receives a product or the like at a department store, which is the member store 104, and requests credit card settlement at the time of payment, the clerk at the member store 104 first asks the customer, as shown in FIG. The credit card 120 of 102A is inserted into the IC card connector of the member store information processing means 106. As a result, in step TS1 in FIG. 4, the credit card number CCN stored in the storage section 130 of the IC chip 140 is read by the member store reading means 162 through the member store information processing means 106 (member store calculation means) through the IC card connector. 152).

Next, in step TS2, the clerk inputs the settlement amount STM and the payment method (one of lump sum payment, installment payment, or revolving payment) using numeric keypad 144. FIG. As a result, the member store information processing means 106 receives the credit card number CCN, the member store information processing means code MSC set for each member store information processing means 106 (the member store information processing means code in FIG. 5 in the first embodiment). stored in the output device 148.), the settlement amount STM, and the settlement information SI of the payment method (lump-sum payment, installment payment, or revolving payment). Prompt for code PIN. It is assumed that the settlement amount STM is 5600 yen this time.

Next, in step TS4, when the customer 102 presses the input key 146 after entering the personal identification code PIN, the process proceeds to step TS5 to make a credit request CR. That is, the payment information SI and the personal identification code PIN are transmitted to the acquirer information processing means 112 via the first communication line 136 .

As shown in FIG. 7, the acquirer information processing means 112, which has received the credit request CR, determines the credit request CR in step AS1, proceeds to step AS2, and identifies the user's international brand 114 from the credit card number CCN. Then, the credit request CR and payment information SI are sent to the international brand information processing means 116 via the second communication line 160, and the process proceeds to step AS3 to wait for the credit information CI from the international brand information processing means 116.

If the international brand information processing means 116 determines the credit request CR from the acquirer information processing means 112 in step BS1 in FIG. It sends credit request CR and payment information SI to issuer information processing means 122 .

If the issuer information processing means 122 determines that the credit card number CCN and the personal identification code PIN are true in step IS2 after determining the credit request CR in step IS1 in FIG. Output to international brand information processing means 116, and if false, output distrust information DI to international brand information processing means 116 in step IS4. That is, when the credit card number CCN and the personal identification code PIN corresponding to the credit card number CCN and the personal identification code PIN exist in the customer table (not shown) in the issuer information processing means 122, it is determined to be true and the credit information CI is output, and if it does not exist, it is determined to be false and distrust information DI is output.
When the issuer information processing means 122 outputs the credit information CI to the international brand information processing means 116, in step IS5, after transmitting the payment information SI to the deposit support information processing means 126, in step IS6, credit settlement for the customer 102A is performed. process. For example, in the case of a single payment, processing is performed so that the bank account designated by the customer 102A is debited on a predetermined day, and in the case of installment payment, the predetermined amount is divided into designated times and debited from the bank account. process.

The international brand information processing means 116 that has received the credit information CI or distrust information DI transmits them to the relevant acquirer information processing means 112 in steps BS3 to BS6.

The acquirer information processing means 112 that has received the credit information CI or distrust information DI transmits them to the relevant member store information processing means 106 in steps AS3 to AS6.

In the member store information processing means 106, when the credit information CI is determined in step TS6, the process proceeds to step TS7 to perform settlement completion processing, and when the distrust information DI is determined in step TS8, the process proceeds to TS9.
In the settlement completion processing by credit information CI in step TS7, credit settlement completion information 138 such as industry information CB, member store name MSN, settlement amount STM, etc. is printed on printing paper 172 by member store printer 166, as shown in FIG. Then, a predetermined number of credit settlement receipts 142 are issued, and the process ends. One of the credit settlement receipts 142 is given to the customer 102A, one is kept after obtaining the user's signature, and the other is kept at the member store 104.例文帳に追加
If the distrust information DI is determined in step TS8, a message indicating that the credit has not been granted is displayed on the member store display means 156 in step TS9, and the process ends.
It is also possible to set so that re-entry of the personal identification code PIN is permitted and credit request CR can be made up to twice. The explanation so far is for ordinary credit card settlement.

Deposit assistance information processing means 126 determines in step DS11 shown in FIG. If the credit card number CCN does not exist, it is not subject to the change deposit CD, so the process ends.
If the credit card number CCN included in the settlement information SI exists in the card number customer account table 272, the process proceeds to step DS13, and the industry information CB corresponding to the credit card number CCN in the same card number customer account table 272 is settled. If it is not included in the information SI, the process is terminated. If it is included, it is subject to the change deposit CD. Output to

In step DS15, the card payment budget amount setting means 256 determines the card payment budget amount SBM based on the change amount setting rule ULR, and then instructs the change deposit amount calculation means 258 to calculate the amount of the change deposit CD. . That is, in the first embodiment, since the payment amount is set in units of 1000 yen, 6000 yen is set as the card settlement budget amount SBM for the settlement amount STM of 5600 yen, and then the process proceeds to step DS16.

In step DS16, the change deposit amount calculating means 258 subtracts the settlement amount STM from the card settlement budget amount SBM to compute the amount of the change deposit CD. That is, in step DS16, the amount of change deposit CD is determined to be 400 yen by subtracting 5600 yen of settlement amount STM from 6000 yen of scheduled settlement amount SMB, and the process ends.

Once the amount of change deposit CD is determined, the processing is taken over by deposit means 264 . Deposit means 264 proceeds to step SM2 when determining in step SM1 that the amount of change deposit CD has been determined, and loops step SM1 when not determining.
In step SM2, a transfer command RO is sent to the customer bank account information processing means 132, and the amount of the change deposit CD is transferred from the customer bank account 174 registered in the card number customer account table 272 to the change deposit account CA. and proceed to step MS3.
In step MS3, after the amount and date of the change deposit CD are stored in the change deposit record CDR of the card number customer account table 272 in association with the credit card number CCN and industry information CB, the process is terminated.

In step NS11 in FIG. 23(B), when the notification means 270 determines the transfer command RO, the process proceeds to step NS12.
At step NS12, referring to the card number customer account table 272, the mail address MA is read, and the process proceeds to NS13.
In step NS13, the amount of the change deposit CD, the date and time of the deposit, the business type information CB as the member store information MSI, and the store name MSN are described in the mail addressed to the mail address MA, and customer information processing is performed via the public communication line 304. After sending to the means 298, the process ends.

As shown in FIG. 13(B), the customer bank account information processing means 132 proceeds to step CS2 when determining the transfer order RO in step CS1, and executes the transfer from the customer bank account 174 to the change deposit account CA.

Customer information processing means 298 receives the mail and, when customer 102A wishes to view it, taps the icon (not shown) of reporting means 270 displayed on customer display means 314 to display a reporting screen (not shown). ), and press the browse button (not shown) displayed on the report screen to display the amount of the change deposit CD, the deposit date and time, the industry information CB, the store name MSN, etc. on the customer display means 314. , can be verified. Specifically, as shown in FIG. 26(A), in step ES1, it is determined whether or not the browse button has been pressed. If it is determined that it has been pressed, the process proceeds to step ES2, and if not determined, the step ES1 is looped. .
At step ES2, the customer display means 314 displays the amount of the change deposit CD, the date and time of the deposit, the industry information CB, the store name MSN, etc., and the process ends.

If the customer 102A determines that the business type information CB is not suitable, by tapping the icon displayed on the customer display means 314 in the customer information processing means 298, the customer member store information rewriting means 318 can be activated and corrected. can. Specifically, as shown in FIGS. 26B and 26C, when it is determined that the correction button 326 displayed on the customer display means 314 has been pressed, the process proceeds from step RS1 to RS2.
In step RS2, the store name input box 332 and the industry name input box 334 are displayed as shown in FIG. 26(D). By entering their names and pressing the rewrite confirmation button 336 , they are recorded (stored) in the supported member store information table 276 . The information recorded (stored) in the supporting member store information table 276 is used preferentially over the member store name MSN or the business type information CB included in the payment information SI. Therefore, when a change deposit CD is made from the next time onward, if the member store name MSN or industry information CB is recorded corresponding to the credit card number CCN, it is recorded (stored) in the supporting member store information table 276. ) or the business type information CB is adopted.

Next, the action of the first function of the reporting means 270 in the deposit support information processing means 126 will be described with reference to FIGS. 27, 23(A) and 24. FIG.
In the reporting means 270, first, in step NS0 shown in FIG. 27, when the processing date for each predetermined period is determined, for example, on the monthly credit card payment processing date, immediately after the credit card payment is made, the Run the program of steps NS1-NS7 shown in (A).
First, in step NS1, it is determined whether or not the target amount MO and the achievement time DO are registered in the card number customer account table 272. If they are registered, the process proceeds to step NS2, and if they are not registered, the process ends. .
At step NS2, the total amount of the change deposit CD for the current target amount MO is calculated. That is, the total amount of the change deposit CD recorded in the change deposit record CDR in the card number, customer account, etc. table 272 is calculated. In the case of the example shown in FIG. 17, since it is recorded corresponding to three types of business information CB, the amounts of change deposits CD of all three types of business information CB are totaled.
In step NS3, the increase rate RI (inclination) of the change deposit CD for the most recent months, two months in the first embodiment, is obtained, and the process proceeds to step NS4.
At step NS4, starting from the total amount of change deposit CD at that time, a predicted change deposit line VB1 or VB2 is drawn based on the rate of increase RI obtained at step NS3, and then the process proceeds to step NS5.
At step NS5, it is determined whether or not the target amount MO is reached at the achievement time DO. In the example of FIG. 24, the expected change/deposit line VB2 is likely to exceed the target amount MO of 100,000 yen, so the process ends. However, since the expected change deposit line VB1 does not reach the target amount MO of 100,000 yen, the process proceeds to step NS6 to enter the mail address MA corresponding to the customer 102A from the mail address MA column of the card number customer account table 272. After acquiring it, the process proceeds to step NA7, and the alarm signal WS is sent to the customer information processing means 298 via the public communication line 304 to the mail address MA, and the process ends.

The customer information processing means 298, which has received the alarm signal WS by e-mail, sends an alarm to the customer display means 314 in step ES3 in FIG. Display and motivate to achieve goals. In this case, information on loans such as cash loans can also be included in the e-mail and sent. The customer 102 may inevitably need cash or the like, and this is for convenience in that case.

Next, the action of advertising means 268 will be described with reference to FIG.
In step AS1, it is determined whether or not it is a preset predetermined advertisement timing, and if it is determined that it is an advertisement timing, the process proceeds to step AS2, and if not determined, step AS1 is looped.
Next, in step AS2, it is determined whether or not the savings purpose SO is registered in the card number, customer account, etc. table 272. If it is registered, the process proceeds to step AS3, and if it is not registered, the process ends.
In step AS3, it is determined whether or not the advertisement URL corresponding to the deposit purpose SO is registered in the advertisement information table 302. If it is registered, the process proceeds to step AS4, and if it is not registered, the process ends.
In step AS4, if the URL corresponding to the deposit purpose SO is registered in the advertisement URL field, an email containing the advertisement URL is sent to the email address MA obtained from the card number customer account table 272 via the public communication line 304. Then, it is transmitted to the customer information processing means 298 of the customer 102, and the process ends.
The customer 102A who has received the mail describing the advertisement URL can view the advertisement by accessing the advertisement URL. This advertisement automatically connects to the advertisement URL at the time the mail is sent to the customer information processing means 298 without accessing the advertisement URL, and the customer 102A does not perform any operation on the customer display means 314. preferably visible,

Next, Example 2 will be described with reference to FIGS. 28 to 32. FIG.
In the second embodiment, the change deposit CD is applied for each credit card payment in the first embodiment, but the second embodiment is applied to the case where the credit payment is performed at a fixed time every predetermined period, for example, every month.
That is, in the deposit support information processing means 126, the change deposit calculation means 258 was activated each time the settlement information SI was received for credit settlement in the first embodiment. It is designed to be done every interval. The predetermined interval is, for example, preferably immediately after the monthly credit settlement, but may be once every week, once every 10 days, or once every 15 days. Therefore, in the second embodiment, the deposit support information processing means 126 includes change deposit calculation timing setting means 342 .
In the second embodiment, the same reference numerals are assigned to the same functional units as in the first embodiment, and different configurations will be described. The card payment budget amount setting unit 256 is functionally the same as that of the first embodiment, but the period card payment budget amount is set based on a predetermined period (interval), so the name is called "periodic card payment budget amount". As the setting means, the code is the same code as in the first embodiment with the suffix 2 added. Since it is calculated in units, it is displayed as period change deposit amount calculation means 2582, and detailed explanation is omitted.

In the second embodiment, the setting in the term card payment budget amount setting means 2562 is different from that in the first embodiment. In the change amount rule setting means 282, a change amount setting rule ULR for a predetermined period during which credit settlement is performed is applied. Specifically, a periodical card payment budget amount SBM2 for the period is set, and for example, 30000 yen is set in the change amount rule setting means 282 as the periodical card payment budget amount SBW2.
The setting of the business type information CB in the deposit target member store information setting means 278 is the same as in the first embodiment. Dining room/restaurant is set.

Next, when a credit payment is made, the change deposit record CDR in the card number/customer account table 272 in the change deposit object information storage means 262 stores the settlement date and time and the settlement amount STM as in the first embodiment.

In the present embodiment 2, the deposit means 264 compares the total amount of the payment amount STM corresponding to the period card payment budget SBM2 and the member store information MSI, and the total amount of the payment amount STM corresponding to the member store information MSI is the period If there is a predetermined relationship with the card payment budget amount SMB2, a transfer command RO is output to transfer the difference between them from the customer's bank account 174 to the change deposit account CA. A predetermined relationship means that the total amount of payment amount STM corresponding to the member store information MSI is less than the period card payment budget amount SBM2, but the amount of change deposit CD is the difference between them. A certain amount of change may be used, or a predetermined amount corresponding to the amount of change may be used.

Next, the change deposit calculation timing setting means 342 will be described.
The change deposit calculation timing setting means 342 has a function of executing the change deposit CD at predetermined intervals, and is constituted by a program in the second embodiment. In the second embodiment, the interval is set at midnight at the end of the month, and if the end of the month is a non-working day at the financial institution, it is set to the immediately preceding working day.

Next, the action of the change deposit calculation timing setting means 342 will be described with reference to the flow chart shown in FIG.
First, in step EM1, it is determined whether or not it is the interval processing timing. If it is the processing timing, the process proceeds to step EM2. The loop of step EM1 is a standby state for interval processing timing. In the second embodiment, the interval processing timing comes at midnight at the end of every month, and the process proceeds to step EM2.
At step EM2, the interval signal EM is output and the process ends.

Next, the term change deposit amount computing means 2582 in the second embodiment will be described.
The term change deposit amount calculation means 2582 in the second embodiment is similar to the first embodiment. It has a function of subtracting the total amount of the settlement amount STM generated in the relevant period provided from the processing means 122 and calculating the change CM. However, in the second embodiment, the change CM (the amount of the change deposit CD) is calculated at predetermined intervals, which is different from the first embodiment which is executed for each card settlement.

Next, the operation of the term change deposit amount computing means 2582 in the second embodiment will be described with reference to the flow chart of FIG.
First, in step EM21, it is determined whether or not the interval signal EM exists. A loop of step EM21 is a standby state for the interval signal EM.
In step EM22, the target transaction of the current month is selected from the date and time information of the credit card settlement record stored in the change deposit record CDR of the card number customer account table 272, and the target transaction related to the target industry information CB is selected. After calculating the total credit settlement amount, the process proceeds to step EM23.
In step EM23, the total amount of credit card settlement calculated in step EM22 is subtracted from the credit card settlement budget amount SBM. If negative, go to step EM25.
At step EM24, the balance is determined as the amount of the change deposit CD, and the process ends. Based on this determination of the amount of the change deposit CD, the deposit means 264 transmits a transfer order RO to the customer bank account information processing means 132 .
At step EM25, the information of no change deposit is written in an e-mail, sent to the e-mail address MA of the corresponding customer 102, and the process ends.

Next, the operation of the object discriminating means 274 in the second embodiment at the time of credit card payment will be described with reference to the flow chart of FIG.
First, in step DS21, it is determined whether payment information SI has been received. If it has been received, the process proceeds to step DS22.
In step DS22, it is determined whether the same credit card number CCN as the credit card number CCN in the payment information SI exists in the credit card number CCN registered in the card number customer account table 272, and if it exists, the process proceeds to step DS23. If it does not exist, terminate the process. This is because the fact that the corresponding credit card number CCN does not exist in the card number customer account table 272 means that it is not subject to the change deposit CD.
In step DS23, after obtaining member store information MSI from payment information SI, the process proceeds to step DS24.
In step DS24, it is determined whether or not the industry information CB in the card number customer account table 272 matches the industry information CB in the acquired merchant information MSI. This is because if there is no business type information CB registered in the acquired member store information MSI, it is not subject to the change deposit CD.
In step DS25, since it is subject to the change deposit CD, the period change deposit amount computing means 2582 computes the change CM based on the change amount setting rule ULR set as described above, and determines the amount of the change deposit CD. Then, the change deposit record CDR of the card number customer account table 272 is recorded, and the process ends.

Next, the operation of the second embodiment will be described with reference to the flow chart of FIG.
When credit card payment is made, deposit support information processing means 126 receives payment information SI from issuer information processing means 122, object determination means 274 executes steps DS21 to DS25, and change deposit CD is set. In the case of a credit card settlement target, the change deposit record CDR in the card number customer account table 272 in the change deposit target information storage means 262 stores the settlement date and time and the settlement amount in the same manner as in the first embodiment.
In the change/deposit calculation timing setting means 342, when it is determined at step EM1 in FIG. 30 that the interval processing timing is midnight at the end of the month, the interval signal EM is output.
When the period change deposit amount calculation means 2582 determines the interval signal EM in step EM21, it executes steps EM22 to EM24 to determine the amount of change deposit CD. Since the card payment budget amount SBM is set to 30,000 yen in the second embodiment, if the total amount at step EM22 is 20,000 yen, the change at step EM24 is 10,000 yen, which is 30,000 yen minus 20,000 yen. Determined as the amount of the deposit CD.
The deposit means 264 transmits a transfer order RO of 10000 yen to the customer bank account information processing means 132 based on the determination of the amount of the change deposit CD.
Based on the transfer command RO, the customer bank account information processing means 132 transfers (transfers) 10000 yen, which is the amount of the determined change deposit CD, from the customer bank account 174 to the change deposit account CA in the same manner as in the first embodiment. be deposited.

Next, Example 3 will be described with reference to FIGS. 33 to 35. FIG.
In the third embodiment, when a credit card payment is made in the second embodiment, the change deposit calculation means calculates the degree of attainment with respect to the credit card payment budget amount after the credit card payment, and the degree of attainment satisfies a predetermined condition. If applicable, the customer is notified and can choose whether to execute or cancel the credit card payment.
In addition to the configuration of the second embodiment, the third embodiment includes an expected change deposit settlement amount calculation means 344 and a transaction warning means 346 .

First, the expected change deposit settlement amount calculation means 344 will be described.
The expected change deposit settlement amount calculation means 344 has a function of calculating the sum of the amount of actual credit card settlements during the interval period and the amount of credit card settlements newly subject to credit card settlement. In example 3, it is configured by a program.
The operation of the expected change deposit settlement amount computing means 344 will be described with reference to the flow chart shown in FIG.
First, in step PS1, it is determined whether payment information SI has been received.
In step PS1, it is determined whether the same credit card number CCN as the credit card number CCN in the payment information SI exists in the credit card number CCN registered in the card number customer account table 272, and if it exists, the process proceeds to step PS3. If it does not exist, terminate the process. This is because the fact that the corresponding credit card number CCN does not exist in the card number customer account table 272 is not subject to the change deposit CD.
In step PS3, after obtaining member store information MSI from payment information SI, the process proceeds to step PS4.
In step PS4, it is determined whether the business type information CB in the card number customer account table 272 matches the business type information CB in the acquired member store information MSI. This is because if there is no business type information CB registered in the acquired member store information MSI, it is not subject to the change deposit CD.
In step PS5, the settlement amount STM included in the settlement information SI is determined as the provisional settlement amount TSTM, which is the amount of the new change deposit CD, and the process proceeds to step PS6.
In step PS6, after calculating the change deposit card settlement amount ISTM for the change deposit CD during the interval period stored in the card number customer account table 272, the process proceeds to step PS7.
In step PS7, the total credit settlement amount ISTM and the provisional settlement amount TSTM are added to calculate the expected change deposit settlement amount FSTM, and after outputting to the transaction warning means 346, the process is terminated.

Next, transaction alert means 346 will be described.
The transaction warning means 346 compares the expected change deposit settlement amount FSTM calculated by the expected change deposit settlement amount calculation means 344 with the card settlement budget amount SBM, and if a certain condition is satisfied, the customer 102 (customer information processing means) 298).
In the third embodiment, the transaction warning means 346 is composed of a program, so it will be explained with reference to the flow chart of FIG.
First, in step TAS1, it is determined whether or not the expected change deposit settlement amount FSTM has been received from the expected change deposit settlement amount calculation means 344. If received, the process proceeds to step TAS2, and if not received, the process returns to step TAS1. The loop of step TAS1 is a standby state for the expected change deposit settlement amount FSTM.
In step TAS2, the expected change deposit settlement amount FSTM is subtracted from the card settlement budget amount SBM to calculate the expected difference FDM, and the process proceeds to step TAS3.
In step TAS3, it is compared with a predetermined condition, and if the condition is satisfied, it is determined that credit settlement is possible, and the process proceeds to step DS25 in the second embodiment, and then the processing is performed as described above. However, if the predetermined condition is not satisfied, the process proceeds to step TAS4. The predetermined condition is, at least, that if the current credit card payment is executed, the change deposit CD cannot be made or there is a high possibility that it will not be possible. If it is above SBM and therefore if the expected difference FDM is zero or negative. The predetermined condition can be set so that even if the expected difference FDM is positive, the process proceeds to step TAS4 even when the expected difference FDM is within 10% of the card payment budget amount SBM.
At step TAS4, the e-mail address MA of customer 102 is acquired, an alarm message is transmitted to customer information processing means 298, and the process ends. As the warning message, ``If you execute this credit payment, you will not be able to deposit change for this month'', ``If you execute this credit payment, you will be able to deposit change for this month.
When the customer 102 sees the warning displayed on the customer display means 314 of the customer information processing means 298, the customer 102 stops the credit settlement and appropriates it to the change deposit CD, or executes the credit settlement and does not carry out the change deposit CD. You can choose to

CA Change Account
CD change deposit
CR Credit Request
DO achievement time
MO target amount
MSI Merchant Information
STM payment amount
SBM card payment budget amount
SI payment information
STM payment amount
MSI Merchant Information
102 Customers
106 Merchant Information Processing Means
108 Acquirer
112 Acquirer Information Processing Means
114 international brands
116 International Brand Information Processing Means
118 Issuer
122 Issuer Information Processing Means
126 Deposit assistance information processing means
132 Customer bank account processing means
174 Customer Bank Account
250 Goal Setting Means
256 Card payment budget amount setting means
2562 Periodic card payment budget amount setting means
258 Change Deposit Amount Calculation Means
2582 Periodic change deposit amount calculation means
264 Deposit instruments
268 Advertising Means
270 means of notification
272 Card Number Customer Account Table
302 Advertising information table
298 Customer information processing means
318 Customer Member Store Information Rewriting Means
344 Estimated Change Deposit Settlement Amount Calculation Means
346 Transaction Alert Means

Claims (3)

customer bank account information processing means for managing customer bank accounts;
Issuer information processing means managed by the Issuer;
Acquirer information processing means managed by the acquirer;
a member store information processing means for providing at least a payment amount and member store information to the acquirer information processing means;
Information processing means for communicating with the issuer information processing means and the acquirer information processing means and performing functions necessary for payment,
Communicate with the customer bank account information processing means, the issuer information processing means, the acquirer information processing means, the member store information processing means, or the issuer information processing means and the acquirer information processing means, and A payment system that performs payment to a customer based on payment information including at least the payment amount and the member store information between information processing means that exerts a function,
Deposit assistance information processing means are provided,
The deposit support information processing means
settlement budget amount setting means for setting a settlement budget amount based on the member store information;
when the member store information provided from the issuer information processing means is the predetermined member store information, a change deposit amount calculation means for calculating an amount of change deposit reflecting the settlement budget amount;
Deposit means for transferring the amount of the change deposit from the customer bank account to the change deposit account with respect to the customer bank account information processing means;
An automatic change deposit system using a settlement system characterized by comprising: the settlement budget amount setting means is period settlement budget amount setting means for setting the settlement budget amount for a predetermined period;
The change deposit amount calculation means calculates the period change deposit amount, which is the sum of the settlement amounts corresponding to the same member store information in the predetermined period, based on the member store information provided from the issuer information processing means. A period change deposit amount calculation means for calculation,
The depositing means compares the budget amount for the period settlement in the predetermined period with the total amount of the settlement amount corresponding to the member store information, and compares the total amount of the settlement amount corresponding to the member store information with the budget amount for period settlement. transfer the difference between them from said customer bank account to said change deposit account, if there is a predetermined relationship to
An automatic change deposit system using the settlement system according to claim 1, characterized in that: a target setting means for setting a target amount and an achievement time for the deposit means;
Reporting means for outputting an alarm signal according to the target amount attainment status at the achievement time based on a predetermined algorithm, taking into consideration the total deposit amount in the deposit means at a predetermined time, the achievement time, and the target amount;
customer information processing means for notifying at least an alarm based on the alarm signal;
An automatic change deposit system using the settlement system according to claim 1 or 2, characterized by comprising:

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