JP7415258B2 - Credit card payment systems, payment methods, IC cards, card company servers, cloud servers, and programs - Google Patents

Description

The present invention relates to a credit card payment system.

Conventionally, techniques for reducing the system load in credit card payment systems are known. For example, Patent Document 1 describes a credit inquiry system that performs credit approval for credit cards, a payment system that performs credit card payments, a mobile terminal that stores credit card information and is connectable to a mobile network, and a mobile terminal that A credit card payment system includes a credit inquiry terminal that notifies the payment system of credit card payment information through a credit card management server, and the credit card management server compares the load status of its own device and the load status of the credit inquiry system and the payment system. It is disclosed that the method includes means for confirming the above and distributing the credit approval acquisition processing for the credit inquiry system and the payment processing for the payment system.

Furthermore, Patent Document 2 discloses that at the time of credit card payment, the credit card management server performs a payment process in which at least a transaction key and a limit amount are determined for each credit card based on at least transaction identification information and payment limit information notified from a user terminal. A payment frame setting procedure that sets a payment frame for performing the above process, and a corresponding payment frame from the payment frame set in the payment frame setting procedure based on at least the credit card information that identifies the credit card and the transaction key notified from the store terminal. This system emphasizes the authenticity of transactions (uniqueness and confidentiality), unlike conventional systems that emphasize the authenticity of cards, by having a payment procedure that determines the transaction amount and makes payments within the limit of the payment frame. It is disclosed that, because of this feature, it is possible to reduce the burden of collecting personal information from users and reinforcing user verification at places other than credit card companies, such as electronic stores.

Japanese Patent Application Publication No. 2009-48507 JP2009-169835A

By the way, general credit cards have the following problems. In other words, it takes time to make a single purchase, when making small payments, cash is often used, which is a disadvantage of going cashless, and there is a fear of overspending because the amount spent is not immediately known. In some cases, the daily payment amount is unclear. On the other hand, electronic money cards such as transportation cards have the problem of losing purchase opportunities if the charge balance is insufficient. In addition, common issues for both are that it is difficult to analyze purchasing trends, that credit card companies perform a large number of credit checks at the same time, which requires a huge amount of processing, and that the cost of building the system and the cost of operation and maintenance. For example, it costs a lot of money.

Therefore, in view of the above-mentioned problems, it is an object of the present invention to provide a system that can shorten the time required for payment for credit card users and stores, and reduce the system load for card companies. .

In order to solve the above problems, the present invention provides the following solution.

(1) A payment system for a credit card company that controls credit cards, wherein a cloud server managed by the credit card company receives purchase data including purchase date and time and product price purchased using the credit card; means for notifying the store where the credit card was used of the completion of the sale by transmitting to the destination that the purchase data has been stored in the cloud server before making a payment request to the credit card company; The credit card company's server is characterized by comprising a purchase data control means for processing unprocessed purchase data stored in the cloud server at a predetermined timing.

(2) The destination is at least one of the credit card, a user terminal owned by the credit card user, or a store terminal of the store.

(3) In the configuration described in (2) above, the predetermined timing is when the total product price within a preset period exceeds a limit amount, or is determined to be about to exceed a limit amount. shall be.

(4) In the configuration described in (2) or (3) above, the predetermined timing is a time when it is determined that the server has sufficient processing capacity.

(5) In the configuration described in any one of (2) to (4) above, the predetermined timing is based on location information of the user terminal or the store terminal, and the predetermined timing is when the user is out. The present invention is characterized in that the frequency of the payment processing is adjusted when it can be determined that the payment processing is performed.

(6) In the configuration described in any one of (2) to (5) above, the credit card is characterized in that it is provided with direct communication means to the Internet.

(7) In the configuration described in any one of (2) to (6) above, the user terminal has the function of the credit card and includes a card information storage means and a purchase data storage means. Features.

(8) A payment method at a credit card company that controls credit cards, which includes the steps of receiving purchase data including the date and time of purchase using the credit card and the price of the product in a cloud managed by the card company, and transmitting the purchase data. The step of storing the purchase data in the cloud server, and receiving a notification that the purchase data has been stored in the cloud server before making a payment request to the credit card company, makes a sale to the store where the credit card was used. The method is characterized in that a computer executes the steps of notifying the user of the above information, and processing the unprocessed purchase data stored in the cloud server at a predetermined timing.

(9) An IC card for use as a credit card, which is capable of direct connection to the Internet and a data storage means for storing card information, purchase data including purchase date and time, and product price when the credit card is used. Internet connection means; when the credit card is used at a store, the purchase data is acquired from the store and stored in the data storage means; and the purchase data is stored in a cloud server managed by the credit card company. and, before making a payment request to the credit card company, receiving notification that the purchase data has been stored in the cloud server, notifying a terminal at the store that the sale has been made using the credit card. It is characterized by comprising means.

(10) A server of a card company that controls credit cards, which is used by the credit card and the credit card user to complete sales at the store before requesting payment to the card company. purchase data receiving means for receiving purchase data stored in the cloud server managed by the card company and including the purchase date and time and product price purchased with the credit card from a customer terminal or a cloud server managed by the card company; The present invention is characterized by comprising a purchase data control means for processing unprocessed purchase data stored in the cloud server at a predetermined timing.

(11) A program for a user terminal having a credit card function, which includes a card information storage means for storing card information, and a purchase for storing purchase data including the date and time of purchase and product price when the credit card is used. data storage means, means for acquiring the purchase data from the store and storing it in the purchase data storage means when the credit card is used at a store; storing the purchase data in a cloud server managed by the credit card company; A means for transmitting data, before requesting payment to the credit card company, receiving a notification that the purchase data has been stored in the cloud server, and notifying a terminal at the store that a sale has been made using the credit card. It is characterized by having a computer function as a means.

(12) A cloud server managed by a credit card company that controls credit cards, and is used to store the credit card and stores that use the credit card in order to complete sales at the store before making a payment request to the card company. Receiving means for receiving purchase data including purchase date and time and product price purchased using the credit card from a terminal or a user terminal owned by the user of the credit card; and means for storing the purchase data in a cloud server. and update control means for transmitting the stored unprocessed purchase data to the server of the card company and updating it at a predetermined timing.

According to the present invention, it is possible to provide a system that reduces the time required for payment for credit card users and stores, and reduces the load on the system for card companies.

1 is a diagram showing the basic configuration of a system according to an embodiment of the present invention. FIG. 2 is a diagram showing a specific example of a processing image of a system according to an embodiment of the present invention. 1 is a diagram showing a functional configuration in a first embodiment of the present invention. FIG. It is a diagram showing a specific example of purchase data and card information. FIG. 3 is a diagram showing a processing flow of each component in the first embodiment of the present invention. It is a figure showing the functional composition in the 2nd embodiment of the present invention. It is a figure which shows the processing flow of each component in the 2nd Embodiment of this invention. It is a figure showing the functional composition in a 3rd embodiment of the present invention. It is a figure which shows the processing flow of each component in the 3rd Embodiment of this invention.

DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, modes for carrying out the present invention (hereinafter referred to as embodiments) will be described in detail with reference to the accompanying drawings. In the subsequent figures, the same numbers or symbols are given to the same elements throughout the description of the embodiments. Further, in the diagram of the functional configuration, arrows between functional blocks indicate the direction of data flow or the flow direction of processing.

<Basic configuration>
FIG. 1 is a diagram showing the basic configuration of a payment system according to an embodiment of the present invention. This system consists of a server for the payment system of the card company that controls credit cards, a cloud server managed by the card company that temporarily stores data, a store terminal at the card member store, and a credit card company that the user owns. An IC card such as a card and a user terminal are communicably connected via the Internet. The IC card can be read and written to by a non-contact means with a store terminal, and can also perform short-range wireless communication with a user terminal. The store terminal may read and write necessary data to and from the user's terminal and IC card. Furthermore, the IC card may be equipped with direct communication means to the Internet. Further, the user terminal and the IC card may be connected to a store terminal of a member store by short-range wireless communication. Here, the user terminal is typically a smartphone, and functions as a relay means between the IC card and the cloud.

<Processing image>
FIG. 2 is a diagram showing a specific example of a processing image of the payment system according to the embodiment of the present invention. The circled numbers in this figure represent the step numbers. For example, if you purchase a CD for ¥3,000 at Store X on November 29th (Step 1), you will enter the purchase date and time and product price such as "11/29 11:15 Store X xxxCD ＼3,000." The included purchase data is registered (stored) in the IC card (step 2). At this time, the purchase data registered in the IC card is also recorded in a cloud managed by the card company via the user's smartphone (step 3). Then, when a storage completion notification is issued from the cloud (step 4), the smartphone also issues a storage completion notification to the IC card (step 5). In response to receiving the storage completion notification, that is, before requesting payment to the card company, the IC card notifies store X of the completion of the sale (step 6). Upon receiving this notification, store X prints out a receipt and hands it to the user (step 7). The procedure when buying coffee for 200 yen at store Y is also processed in the same way (step 8 onwards). In this figure, in step 6, the card notifies store X of the successful sale, but store X may be notified of the successful sale from the smartphone or the cloud.

The above purchase data is recorded for each store or purchased product, and the data is stored in the cloud. As for the subsequent processing, the card company may check the data stored in the cloud and process the payment when the card company's system has processing time (pattern A), or the cloud side may check the data stored in the cloud and process the payment. When the total product price in the purchase data stored in the cloud exceeds the daily limit (in this example, ¥20,000), a call may be made to the card company to have the card company make the payment. (Pattern B). In either case, once the data stored in the cloud has been processed, the limit will return to ¥20,000. At this time, the data in the cloud may be deleted.

The timing of data processing is determined by the server. In addition to processing when the limit is exceeded as described above, processing may be performed when it is determined that the limit is about to be exceeded. If the member store is an online store, the IC card is not read into the store terminal, but data is read and written between the IC card and the user terminal, and all processing for the card is performed via the user terminal. Just let it happen. Details will be explained in the processing flow below.

By doing this, you can add the day's purchases to the card and make payments in one day (this is called daily payment), reducing the time it takes to make a single purchase. I can do it. Additionally, by setting a daily limit and setting a maximum amount, it is possible to make purchases without having to "authorize" the card company for each purchase. "Authorize" here refers to checking the usage limit to see if card payments can be made, and holding down the usage limit so that the amount you are trying to purchase can be settled safely. However, identity verification such as a personal identification number, signature, biometric authentication, etc. may be performed separately with the store. Currently, it is possible to complete purchases at grocery stores and other places without signing or entering a PIN, but even with this method, if a signature or PIN is not required, purchases can be made at the same speed as electronic money. . Additionally, by reducing the hassle of payment, it is possible to prevent a decrease in purchasing opportunities. Also, by setting a daily limit, you can eliminate concerns about overspending and encourage the use of credit cards. Furthermore, by managing a collection of data on a daily and cart basis, it is possible to analyze purchasing trends.

There are three embodiments of the present invention, first, second, and third, and each embodiment will be described below.

<First embodiment>
FIG. 3 is a diagram showing the functional configuration in the first embodiment. In the first embodiment, an IC card 10 (or simply called a card), a user terminal 20, a store terminal 30, a card company server 40 (or simply called a server), and a cloud server 50 (or simply called a cloud) Consists of. User terminal 20 may be a general smartphone.

Although not shown, the IC card 10 is internally equipped with an IC chip and an antenna coil, and is also internally equipped with a power source (battery) for driving an in-chip module that communicates with the user terminal 20. . Furthermore, when the IC card 10 is held over the card reader of the store terminal 30, electromagnetic induction occurs as magnetic lines of force pass through the inside of the antenna coil, current flows within the card, and the IC chip can be activated by the current.

The IC chip includes data R/W control means 11, data storage means 12, and user terminal communication means 13 as in-chip modules. The data R/W control means 11 controls reading and writing of the data storage means 12, which is a nonvolatile memory for storing data acquired from the outside (purchase data acquired from the store terminal 30). Further, the user terminal communication means 13 performs wireless communication with the user terminal 20 using peer-to-peer short-range wireless communication means such as Bluetooth (registered trademark).

The user terminal 20 includes an IC card communication means 21 that performs Bluetooth (registered trademark) communication with an IC card, and a cloud communication means that is an Internet connection means such as Wi-Fi (registered trademark) that communicates with a cloud server 50. Means 22 is provided. Note that the communication distance of Bluetooth (registered trademark) here is preferably short in order to prevent information leakage, assuming that the IC card 10 is at hand.

The store terminal 30 includes an IC card contactless R/W means 31, a control means 32, and peripheral equipment 33. The IC card non-contact R/W means 31 enables reading/writing of data without contacting the IC card 10, and the control means 32 controls the IC card non-contact R/W means 31 and peripheral equipment 33. The peripheral devices 33 are a group of peripheral devices for the cash register function, and include a tablet terminal, a barcode reader, a receipt printer, a cash drawer, a magnetic card reader, a customer display, and the like. Further, the store terminal 30 may include a cloud communication means 34 that communicates with the cloud via the Internet. Note that in the third embodiment described later, a user terminal communication means 35 (not shown) for communicating with the user terminal may be provided.

The card company server 40 includes a purchase data control means 41, a purchase data reception means 42, an unprocessed data storage means 43, and a payment means 44.

The purchase data control means 41 communicates with the update control means 51 of the cloud server 50 and controls a predetermined timing for receiving and processing the purchase data stored in the purchase data storage means 52 of the cloud server 50. The predetermined timing for receiving the purchase data is decided by the server at its own initiative, and when it is determined that the card company server 40 has sufficient processing capacity, the purchase data exceeds (or exceeds) the predetermined limit. This may be the case, such as when receiving a notification (when it is determined that this is the case), when the date changes, or every predetermined time. Also, based on the location information of the user terminal 20 or store terminal 30 carried by the user, if it can be determined that the user is out (especially in a place with many stores), the frequency of data update processing will be increased. You can also do this. By doing so, the load on the card company server 40 can be distributed and the burden can be reduced.

The unprocessed data storage means 43 stores unprocessed (unsettled) purchase data received from the cloud server 50 via the purchase data receiving means 42, and passes the processing to the payment means 44. The payment means 44 authorizes unpaid purchase data. Only after the authorization is completed will the card company process the product, issue a billing statement for the product price to the user, and pay the store the amount after deducting the settlement fee from the product price.

The cloud server 50 includes an update control means 51 and a purchase data storage means 52. Although not shown in the drawings, it goes without saying that the device includes receiving means and transmitting means for communicating data with other components. The update control means 51 communicates with the purchase data control means 41 of the card company server 40 described above, receives information from the IC card 10 via the user terminal 20 or from the store terminal 30, and stores it in the purchase data storage means 52. The unprocessed purchase data is sent to the card company server 40 and updated at a predetermined timing. That is, before making a payment request to the card company, the cloud server 50 informs the destination (at least one of the IC card 10, the user terminal 20, or the store terminal 30) that the purchase data has been stored in the cloud server. and the receiver notifies the store of the completion of storage, thereby notifying the store of the completion of the sale.

FIG. 4 is a diagram showing a specific example of purchase data and card information. In the first embodiment, the purchase data is data that is read into the card (written from the store terminal to the card) when the card is touched on the IC card contactless R/W means 31 of the store terminal 30 when purchasing a product. It is. Further, card information is information stored within the card or in the user terminal 20. Although not shown, the card information may include a password for identity verification. Note that the storage location of purchase data and card information differs depending on the embodiment.

As illustrated in FIG. 4, the purchase data includes the date and time of card use, store ID, product ID, amount of money used (product price), cloud transmission completion flag, and payment completion flag. The card information also stores the card number, holder's name, expiration date, international brand, card company information, available limit, available limit balance, period usage amount, and period limit amount.

Here, the available limit is the maximum amount that can be settled with the card, and is a fixed amount determined by the card company according to the user's creditworthiness, usage history, etc. The available credit limit balance is the amount obtained by subtracting the unsettled usage amount up to the present time from the available credit limit, and changes each time the card is used. Further, the period usage amount is the amount of money used during a preset period (typically one day) plus the amount of the product that the user is currently trying to use and purchase. Further, the term limit amount is the upper limit amount that can be used within the above period. In this example, the period limit is set to 20,000 yen, but the period usage amount becomes 21,200 yen with this purchase, which exceeds the period limit, so in addition to storing the purchase data in the cloud, it is necessary to immediately use the card. Payment processing is required at the company.

This concludes the description of the first embodiment, but the above functional configuration is just an example, and one functional block (database and functional processing unit) may be divided or multiple functional blocks may be combined into one functional block. It may also be configured as a block.

In each functional processing unit, the CPU (Central Processing Unit) built into the device reads computer programs stored in storage devices such as ROM (Read Only Memory), flash memory, SSD (Solid State Drive), and hard disk. , is realized by a computer program executed by a CPU. That is, each functional processing unit reads and writes necessary data such as tables from a database (DB) stored in a storage device or a storage area in memory, and in some cases, This is realized by controlling hardware (for example, input/output devices, display devices, communication interface devices). Further, the database (DB) in the embodiment of the present invention may be a commercial database, but it also means a simple collection of tables and files, and the internal structure of the database itself does not matter. This also applies to other embodiments.

<Processing flow>
FIG. 5 is a diagram showing the processing flow of each component in the first embodiment. Note that in the subsequent processing flow diagrams (flowcharts), the processing order of each step may be changed as long as the relationship between input and output of each step is not impaired. Further, in the subsequent flowcharts, the reference numerals of each component will be omitted.

(Reading card information: When purchasing at a physical store)
When purchasing a product at a physical store, the user first brings the product to the store's cash register and touches the card reader on the store terminal (step S20), and the store terminal reads the card information on the card ( Step S10), it is checked whether the expiration date of the card has expired and whether the card's available limit balance has at least the amount of the current product price remaining (step S11). If this check is OK, the store terminal transmits or writes the purchase data to the card (step S12), but if it is NG, a message to that effect is displayed and the process returns to step S10.

If the card information check is OK, the card side registers (stores) the purchase data sent from the store terminal in the internal memory (data storage means) (step S21), and sends the purchase data to the user terminal. (Step S22).

(Reading card information: When purchasing at an online store)
When purchasing a product at an online store, although not shown, instead of the store terminal reading the card information from the card in step S10, the user terminal reads the card information from the card, and the user purchases the product at the online store. Enter your card information on the purchasing site. Alternatively, specify the card information registered at the online store. Then, purchase data is received from the online store and recorded on the card. In other words, all reading and writing to the card is done via the user terminal. Therefore, in the following steps, where the word "card" is written, it may be read as "card via user terminal".

(Processing for cloud)
The user terminal transmits the purchase data received from the card to the cloud (step S30). Alternatively, the purchase data may be sent to the cloud from the store terminal. The cloud receives purchase data from the user terminal and stores it in a storage area (purchase data storage means) (step S40). Thereafter, a storage completion notification indicating that the data has been successfully stored in the cloud is sent to the user terminal (step S41). When the user terminal receives this notification, it transmits a storage completion notification to the card (step S31). Upon receiving the storage completion notification, the card sets a flag indicating that the purchase data in its internal memory has been sent to the cloud, and stores that the storage of the purchase data has been completed in the cloud (step S23).The card then sends the storage completion notification to the store. It is transmitted to the terminal (step S24). The store terminal that receives this notification considers the sale to be completed with the user, prints a receipt, and completes the process (step S13). Note that in step S13, the storage completion notification from the cloud is received from the card via the user terminal, but the store terminal may receive the storage completion notification from the cloud or the user terminal and consider the payment complete. You may also do so.

On the other hand, on the cloud side, after sending a storage completion notification to the user terminal in step S41, it is checked whether there is any unprocessed data in the cloud (step S42), and if there is unprocessed data, the data is transmitted to the server (step S43).

When the server receives unprocessed data in the cloud, it checks the total amount of the purchased data and checks whether it exceeds (or is likely to exceed) the limit for the set period (period limit) ( Step S50). If the limit amount is not exceeded, the process moves to step S51, but if the limit amount is exceeded, the process moves to step S55 and the purchase data is processed for payment.

If the result in step S50 is NG, it is checked whether a predetermined time (for example, 24:00 every day) has been reached (step S51). If the predetermined time has not been reached, whether the current system load has increased ( (Step S52).
If the load on the system is not large, it is checked whether the user is at home or away (step S53). When the user is out, the card may be used at various locations, so adjustments are made to increase the frequency of data updates from the cloud (step S54).

If any of the checks in steps S50 to S53 is Y, payment processing is performed in step S55. The payment process here is equivalent to a normal credit card authorization, and the usage limit and expiration date are checked again just to be sure. In the unlikely event that the credit limit has been exceeded or the card has expired, a notification to that effect will be sent to the user terminal, and if the payment at the store has already been completed, the purchase made with the card at the store will be canceled. Request recovery procedures such as payment by other means.

<Second embodiment>
FIG. 6 is a diagram showing the functional configuration in the second embodiment. The second embodiment includes an IC card 10, a store terminal 30, a card company server 40, and a cloud server 50, and the user terminal 20 does not appear. Hereinafter, only the parts that are different from the first embodiment (shaded parts in the figure) will be explained.

In the second embodiment, the IC card 10 is equipped with an Internet connection means 14 that enables direct communication with the Internet. The card may also include display means 15 for displaying the period limit and usage limit balance recorded inside the card in a visually understandable form. By providing the display means 15 on the card, it is possible to easily check the available balance, period usage amount, period limit amount, etc. when the card is taken out.

Here, the available balance balance is updated to the latest information by communicating with the card company as appropriate. In addition, although not shown, direct communication can be carried out voluntarily by the user, or the card company can automatically update the information by prioritizing the user based on the frequency of card usage and date of last purchase. You can do it like this.

FIG. 7 is a diagram showing the processing flow of each component in the second embodiment. Again, only the parts that are different from the processing flow of the first embodiment (see FIG. 5) will be explained. In step S22a of the card processing steps, purchase data is sent directly to the cloud instead of to the user terminal. Furthermore, in step S40a of the cloud processing steps, purchase data is directly received from the card rather than from the user terminal. Further, in step S41a, the storage completion notification is sent directly to the card instead of the user terminal.

<Third embodiment>
FIG. 8 is a diagram showing the functional configuration in the third embodiment. In the third embodiment, the user terminal 20 has all the functions of the IC card 10. Therefore, the IC card 10 does not appear. Hereinafter, only the portions (shaded portions in the figure) that are different from the first embodiment will be described.

In the user terminal 20, an in-terminal data management means 23 is provided. The user terminal 20 is provided with a purchase data storage means 24, a card information storage means 25, and a store terminal communication means 26. The in-terminal data management means 23 communicates with the user terminal communication means 35 of the store terminal 30 via a short-range wireless connection via the store terminal communication means 26, and sends and receives purchase data and card information.

FIG. 9 is a diagram showing the processing flow of each component in the third embodiment. Again, only the parts that are different from the processing flow of the first embodiment (see FIG. 5) will be explained. In step S10a of the store terminal, card information is read not from the card but from the user terminal. Also, in step S12a, the purchase data is sent to the user terminal instead of the card. Further, in step S30a of the user terminal, purchase data is received not from the card but from the store terminal and transmitted to the cloud. Furthermore, in step S31a, a storage completion notification is received from the cloud and sent to the store terminal instead of the card.

This concludes the description of each embodiment. Note that the first to third embodiments may be implemented in a single form, or may be implemented in a combination of a plurality of forms depending on the case.

(Effects of embodiment)
According to this system, by making payments in one day at a time, the time required for one purchase can be shortened. Additionally, by setting a daily limit and setting a maximum amount, it is possible to make purchases at the same speed as electronic money without having to authorize each purchase. Additionally, by reducing the hassle of payment, it is possible to prevent a decrease in purchasing opportunities. Also, by setting a daily limit, you can eliminate concerns about overspending and encourage the use of credit cards. Furthermore, by collecting purchase data on a daily and cart basis, it is possible to analyze purchasing trends.

Furthermore, in the first embodiment, since the card and the user terminal cooperate, a well-balanced embodiment that takes advantage of the characteristics of each is possible. Furthermore, in the second embodiment, the card is highly functional and can be directly connected to the Internet, so it is possible to use the card alone without using it together with a user terminal. If your card has a display function, you can easily check the usage amount, period limit, etc. Furthermore, in the third embodiment, since the card function is incorporated into the user terminal, it becomes unnecessary to carry a card. Further, the user terminal can be provided with the functions of multiple cards.

Note that although the above embodiment mainly describes a credit card, the present invention can also be applied to other cards that require payment processing, such as a debit card.

Although the present invention has been described above using the embodiments, it goes without saying that the technical scope of the present invention is not limited to the range described in the above embodiments. It will be apparent to those skilled in the art that various changes or improvements can be made to the embodiments described above. Furthermore, it is clear from the claims that forms with such changes or improvements may also be included within the technical scope of the present invention.

In the above embodiments, the present invention has been described as a product invention and a server of a credit card company, but the present invention can also be regarded as an invention of a payment method or an invention of a computer program.

10 IC card 11 Data R/W control means 12 Data storage means 13 User terminal communication means 14 Internet connection means 15 Display means 20 User terminal 21 IC card communication means 22 Cloud communication means 23 Internal data management means 24 Purchase data storage Means 25 Card information storage means 26 Store terminal communication means 30 Store terminal 31 IC card contactless R/W means 32 Control means 33 Peripheral equipment 34 Cloud communication means 35 User terminal communication means 40 Card company server 41 Purchase data control means 42 Purchase Data receiving means 43 Unprocessed data storage means 44 Payment means 50 Cloud server 51 Update control means 52 Purchase data storage means

Claims (11)

A payment system for a credit card company that controls credit cards.
The cloud server managed by the card company is
Receiving means for receiving purchase data including purchase date and time and product price purchased using the credit card;
Before making a payment request to the credit card company, means for notifying the store where the credit card was used of the completion of the sale by transmitting to the destination that the purchase data has been stored in the cloud server; Equipped with
The card company server is
A payment system comprising: purchase data control means for processing unprocessed purchase data stored in the cloud server at a predetermined timing. 2. The payment system according to claim 1, wherein the destination is at least one of the credit card, a user terminal owned by a user of the credit card, or a store terminal of the store. 3. The payment system according to claim 2, wherein the predetermined timing is when the total amount of the product charges within a preset period exceeds or is determined to be about to exceed a limit amount. 4. The payment system according to claim 2, wherein the predetermined timing is a time when it is determined that the server has sufficient processing capacity. From claim 2, wherein the predetermined timing is such that the frequency of the payment process is adjusted when it can be determined that the user is out of the house based on location information of the user terminal or the store terminal. The payment system described in any one of items 4 through 4. 5. The payment system according to claim 2, wherein the credit card is provided with direct communication means to the Internet. 7. The payment system according to claim 2, wherein the user terminal has a function of the credit card, and includes card information storage means and purchase data storage means. A payment method at a credit card company that controls credit cards,
a step of receiving purchase data including purchase date and time and product price using the credit card on a cloud server managed by the credit card company;
storing the purchase data on the cloud server;
Before making a payment request to the card company, receiving a notification that the purchase data has been stored in the cloud server, and notifying the store where the credit card was used that the sale has been completed;
processing the unprocessed purchase data stored in the cloud server at a predetermined timing;
A payment method characterized by being executed by a computer. An IC card for use as a credit card,
data storage means for storing purchase data including card information, purchase date and time when the credit card was used, and product price;
Internet connection means that can connect directly to the Internet;
means for acquiring the purchase data from the store when the credit card is used at a store, storing the purchase data in the data storage means, and transmitting the purchase data to a cloud server managed by the credit card company; ,
Before making a payment request to the credit card company, receiving a notification that the purchase data has been stored in the cloud server, and notifying a terminal at the store that the sale has been made using the credit card;
An IC card characterized by comprising: A program for a user terminal having a credit card function,
card information storage means for storing card information;
purchase data storage means for storing purchase data including purchase date and time and product price when the credit card was used;
means for acquiring the purchase data from the store and storing it in the purchase data storage means when the credit card is used at the store;
means for transmitting the purchase data to a cloud server managed by the credit card company;
means for receiving a notification that the purchase data has been stored in the cloud server and notifying a terminal at the store that the sale has been made using the credit card, before making a payment request to the credit card company;
A program that causes a computer to function as A cloud server managed by a credit card company that controls credit cards.
Receiving means for receiving purchase data including purchase date and time and product price purchased with the credit card from the credit card, a store terminal using the credit card, or a user terminal owned by the user of the credit card;
purchase data storage means for storing the purchase data in a cloud server;
Before the card company receives the payment request, means for notifying the store where the credit card was used of the completion of the sale by transmitting to the destination that the purchase data has been stored;
A cloud server characterized by comprising:

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