JPH08287201A - Credit method and its system utilizing purchase history on ic card - Google Patents

Abstract

PURPOSE: To credit a credit transaction up to a card use limit amount by making good use of the purchase history on the IC card by providing an IC card part with a purchase. history storage part and a card use limit amount storage part. CONSTITUTION: The IC card part 200 consists of a CPU 210, a password number storage part 220 which stores a password number for specifying the bearer of the card, a purchase history storage part 230, and the card use limit amount storage part 240. The purchase history storage part 230 has a purchase history table containing the past purchase histories of individuals and the card use limit amount storage part 240 has a card use limit amount table. Consequently, information on the IC card is utilized as to the past transaction history at the time of crediting up to the card use limit amount to lighten the load of information management on an individual credit information center, and the crediting is enabled without using a communication line of telephony, etc., so the time required for an inquiry can be shortened.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method and system for deciding the credit limit of a card when paying with a credit card by utilizing a purchase history in an IC card.

[0002]

2. Description of the Related Art As a conventional credit (credit grant) method,
It is discussed on pages 114 to 115 in "Credit Glossary," edited by Kazuo Iwasaki, Modern Sales Company. In this method, a credit company or a consumer finance company allows an applicant to use credits in order to allow the creditor to check the credit history of the applicant and the current credit usage status in the personal credit information center (consumer credit information). Using communication means such as telephone for objective occurrence information based on transactions (transaction record) and objective attribute information of consumers (name, address, workplace, presence or absence of lawsuit, etc.) I was making an inquiry.

[0003]

In the credit method in the above-mentioned prior art, since the credit inquiry is made by using the communication means such as a telephone based on the information collected at the personal credit information center, the personal credit information center consumes the information. There is a problem in that it takes time to make an inquiry because it is necessary to manage information corresponding to all persons, and since personal information is inquired from among them by utilizing communication means.

An object of the present invention is to solve the above-mentioned problems in the prior art and to make a credit card limit credit in a credit transaction by utilizing a purchase history in an IC card. And to provide that system.

[0005]

In order to achieve the above object, the present invention provides a purchase history storage unit and a card usage limit storage unit in an IC card, and a personal identification number is used when a product is purchased using the IC card. Confirms the identity, calculates the cumulative value of the current purchase price and the past purchase price, and compares the calculated value with the value set in the card usage limit storage unit.
When the cumulative value is smaller, the credit card transaction is permitted, and when the cumulative value is larger, the output device warns that the credit card transaction is impossible.

[0006]

According to the present invention, by utilizing the information of the IC card for the past transaction history when the credit limit of credit card is used, the information management load at the personal credit information center can be reduced, and the telephone call can be made. It is possible to shorten the time required for inquiries because credit can be provided without utilizing communication lines such as.

[0007]

Embodiments of the present invention will now be described in detail with reference to the drawings. In this embodiment, P installed in a retail store
An OS terminal will be described as an example.

FIG. 1 is a system configuration diagram of a credit system utilizing a purchase history in an IC card. This system is a POS terminal installed in a store of a retail store with an IC card reading / writing device and a customer input device added, so that it cannot be seen by others because the computer 100 and the personal identification number are input. Small input device 11 for customers who can input
0, a card reading / writing device 120, an input device 130 such as a keyboard, an output device 140 such as a display, and an IC card unit 200.

FIG. 2 is a block diagram of the IC card unit 200. The CPU 210, a personal identification number storage unit 220 for storing a personal identification number for identifying the card owner, a purchase history storage unit 230, and a card usage limit amount storage. It is composed of a section 240. The purchase history storage unit 230 has a purchase history table 300 that stores the past purchase history of an individual, and the card usage limit storage unit 240 has a card usage limit table 400.

FIG. 4 is a block diagram of the purchase history table 300. The purchase history table 300 includes a use date entry column 310 that identifies the date when the product or service is received, a column 320 that records the time, and a user company (store) entry that identifies the company or store that received the product or service. It is composed of a field 330 and a field 340 for entering the purchase amount there.

FIG. 5 shows a card usage limit table 400.
FIG. The card use limit amount table is a table for storing the limit amount of credit card transactions that can be performed for one month.

Next, the credit system utilizing the purchase history in the IC card will be described with reference to the flow chart showing the operation in this embodiment shown in FIG. An IC card is accepted from the card reading / writing device 120 (step 110).
0). From the customer input device 110, the owner of the card inputs a personal identification number that identifies the card as the owner (step 1200). It is determined whether the personal identification number input in step 1200 matches the personal identification number stored in the personal identification number storage unit 230 (step 1300). If the personal identification numbers do not match in step 1300, it is determined that the card accepted in step 1100 is not the card owned by the person, and the processing is not performed and the processing ends. If the PIN numbers match, the product purchase information for this time is input. This product purchase information is a regular PO
Similar to that input from the S terminal, as shown in the record 370 of the purchase history table 300 in FIG. 4, the information includes the date of use, time, company (store) used, and amount of money (step 1400). Here, assuming that the card closing date defined by a normal credit card company is 11/28, a record 350 shown in the purchase history table 300 in FIG.
Is regarded as the payment ended because it is the data before the closing date, the total amount of the records 360 after that and the record 370 which is the purchase information this time is calculated, and the total value and the card usage limit shown in FIG. 5 are calculated. A comparison is made with the card usage limit amount in the amount table 400 (step 1500). Card usage limit table 40 according to the determination in step 1500
If the card use limit amount stored in 0 is smaller, a warning that the credit purchase is impossible is displayed from the output device 140 (step 1800). Card usage limit amount table 300 determined in step 1500
If the card usage limit stored in is larger, the credit purchase is accepted and billing processing with the credit company is performed as in the conventional case (step 1600). A certain record 370 is stored in the purchase history table 300 in the purchase history storage unit 230 (step 1700), and this processing ends.

In this embodiment, the P placed at the store
Although the OS terminal has been described as an example, the present invention is not limited to this, and various applications are possible. For example, in the use of personal computer shopping at home utilizing a personal computer network, the system configuration shown in FIG. 1 can be realized by a personal computer (a personal computer to which a card reading / writing device is added) connected to the network.

Further, in this example, the personal identification number is stored in the IC card and the personal identification is performed. However, instead of providing the personal identification number storage section 120 of FIG. 2, the personal identification number is confirmed using a telephone line. Is also good. In this way, security such as card theft can be dealt with.

[0015]

According to the present invention, by providing the IC card unit with the purchase history storage unit and the card usage limit storage unit,
Since it is possible to utilize the past purchase history stored in the IC card for the credit of the card usage limit amount, it is possible to reduce the time conventionally required for this processing and reduce the load on the center side.

[Brief description of drawings]

FIG. 1 is a system configuration diagram of a credit system utilizing purchase history in an IC card.

FIG. 2 is a configuration diagram of an IC card unit.

FIG. 3 is a flowchart showing the operation of this system.

FIG. 4 is a configuration diagram of a purchase history table.

FIG. 5 is a configuration diagram of a card usage limit amount table.

[Explanation of symbols]

100 ... Calculator, 110 ... Customer input device, 120 ... Card reading / writing device, 130 ... Input device, 140 ... Output device, 200 ... IC card unit, 210 ... CPU, 220
... PIN number storage unit, 230 ... Purchase history storage unit, 240 ...
Card usage limit storage unit.

Claims (2)

[Claims] 1. A purchase history storage unit and a card usage limit storage unit are provided in the IC card when payment is made when a product is purchased or a service is received and payment is made with the IC card. When purchasing a product with the IC card, the identity is confirmed by a personal identification number, the cumulative value of the current purchase price and the past purchase price is calculated, and the calculated value and the card usage limit storage unit are used. If the cumulative value is smaller than the set value, the IC
A credit method, wherein a credit card transaction is permitted, and when the cumulative value is larger, an output device warns that transaction by the IC card is impossible. 2. When calculating the cumulative value of the current purchase amount and the past purchase amount, the past purchase amount is calculated based on information after the card closing date set by the credit card company. Credit method.