JPH11328273A - Utilization limit setting method, execution system therefor and medium recording processing program therefor - Google Patents

Abstract

PROBLEM TO BE SOLVED: To set a credit limit on a slave card from a master card by subtracting the utilization limit of a moving object from the utilization limit of a moving origin card and adding it to the utilization limit of a moving destination card. SOLUTION: A credit card user 120 is provided with a wallet 121 which is a terminal for transferring the utilization limit from the master card 113 to the slave card 114. The master card 113 checks whether or not the utilization limit of the moving object exceeds the movable utilization limit of the master card 113 and whether or not the slave card 114 is defined as the moving destination of the master card. Then, the utilization limit of the moving object is subtracted from the utilization limit of the master card 113 and the utilization limit is updated. The slave card 114 checks whether or not the utilization limit of the moving object exceeds the maximum limit of the slave card 114. Then, the utilization limit of the moving object is added to the utilization limit of the slave card 114 and the utilization limit is updated.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a use limit frame setting system for setting a use limit frame on a card, and more particularly, to transferring or copying data of a memory card such as an IC card or an optical card between memory cards. The present invention relates to a technique which is effective when applied to a usage limit setting system for moving numerical data representing a limit value such as a credit limit and a copyable number set in a storage area of a parent card to a child card.

[0002]

2. Description of the Related Art Conventionally, in a card system in which a cardholder can set his / her various upper limits for cashing and credit, an IC chip in the card holds various upper limit information, and when performing cashing and crediting, the card holder is required to use the card. When the card is inserted, the cashing or credit dedicated terminal reads the limit stored in the IC chip in the card, compares the limit with the amount specified for cashing or credit, and specifies the specified amount. Is not exceeding the limit stored in the IC chip.

A technique for realizing such a function is described in Japanese Patent Application Laid-Open No. Hei 5-143609. In addition to the above functions, data of a maximum amount of money that can be used by a customer is stored in a memory of an IC card. Japanese Patent Laid-Open No. Hei 6-2825 describes a technique for subtracting a usage amount from a memory every time the device is used
62.

[0004]

In the above-mentioned prior art, a means for setting a limit for only the card owner's own card is provided. Currently in the credit industry,
A family card (parent / child card) is used in which a family specifies that a single credit account is to be debited and several cards are issued for the family. In the conventional family card, a family card is issued. At this time, there is a problem that a limit is set in advance for each card, and the limit cannot be changed.

[0005] An object of the present invention is to solve the above-mentioned problem, and when a memory card in which a use limit frame is set is used as a parent-child card in a credit card or the like, the allowable use limit frame is moved between the parent card and the child card. It is an object of the present invention to provide a technology that can be performed by a computer.

[0006]

SUMMARY OF THE INVENTION The present invention relates to a method for setting a use limit frame for transferring a use limit frame of a transaction process performed using a memory card from a source card to a destination card. The usage limit frame is moved between the two.

In the usage limit setting method of the present invention, when a credit card usage limit is moved from a parent card to a child card using the parent card as the source card and the child card as the destination card, the transfer is first performed. Enter the amount received as the target usage limit.

Next, it is checked whether or not the input amount of receipt does not exceed the maximum limit of the child card, and whether or not the use limit of the transfer object does not exceed the movable limit of the parent card. And whether the child card is defined as the destination of the parent card.

[0009] When the above check is completed normally, the usage limit of the transfer target is subtracted from the usage limit of the parent card to update the usage limit of the parent card, and the usage limit of the transfer target is changed to the usage limit of the child card. Update the usage limit of the child card in addition to the frame.

As described above, according to the present invention, it is possible to set the credit limit of the child card from the parent card to the child card within the range of the use limit of the parent card. As a result, the owner of the parent card can set a limit on the amount of credit used by the child card, and the use of the child card can be managed by the owner of the parent card.

As described above, according to the usage limit setting method of the present invention, a fixed value is subtracted from numerical data representing a limit such as an allowable limit of a credit card or the like stored in a source card, and the subtracted numerical value is set. Is transferred to the destination card, and this subtracted value is set as numerical data representing the limit of the allowable limit of the destination card. Therefore, when a memory card with a usage limit set is used as a parent-child card in a credit card or the like. In addition, it is possible to move the allowable use limit frame between the parent card and the child card.

[0012]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS A credit limit setting system according to an embodiment for transferring a credit card limit from a parent card as a source card to a child card as a destination card will be described below.

FIG. 1 is a diagram showing a schematic configuration of a use limit frame setting system according to this embodiment. A credit card system using an IC card includes a credit card issuing company 110 which is an organization that issues cards, a store 130 where customers can use credits, and a credit card user 120.

The credit card user 120 has a wallet 121 that allows the user to query information stored in the IC card and transfer values from the IC card to another IC card.

The credit card issuing company 110 has an AP built-in terminal 111 for incorporating an application program (hereinafter referred to as AP) for realizing a series of processes of the use limit setting system of this embodiment.

At the credit card issuing company 110, A
An AP that realizes this function using the AP built-in terminal 111 is built into the initialized card 112 that has only been initialized in a state where P has not been built yet, and the parent card 11
3 and the child card 114 are issued.

Here, the parent card 113 is a memory card having a normal credit card function registered in the credit card issuing company 110 in correspondence with the debit account number in the credit card, and the child card 114 is
It is a memory card that can receive a usage limit frame from the parent card 113 within the credit usage limit frame of the parent card 113.

The credit card user 120 makes a card issuance request to the credit card issuing company 110, and the credit card issuing company 110 sends the parent card 113 and the child card 11 with the AP incorporated therein offline by mail or the like.
4 to the card user.

The credit card user 120 is a terminal having an AP capable of transferring a usage limit from the parent card 113 to the child card 114.
The owner card 121 is provided, and the parent card 113 provides the child card 114 with a usage limit frame.

Store 130 where a credit card can be used
Has a credit use terminal 131 that performs a credit use process using the parent card 113 or the child card 114.

FIGS. 2, 4 and 6 show the structure of the module in each device shown in FIG. FIG. 2 is a diagram showing a module structure of the parent card device of the present embodiment. As shown in FIG. 2, the parent card 113 of the present embodiment includes a limit frame provision processing unit 205, a limit frame update processing unit 206,
A credit use processing unit 207.

The limit frame providing processing unit 205 determines whether the usage limit frame to be moved does not exceed the movable usage limit frame of the parent card 113 and whether the child card 114 is defined as the destination of the parent card. This is a processing unit for checking whether or not.

The limit frame update processing unit 206 is a source limit frame update processing unit that updates the use limit frame of the parent card 113 by subtracting the use limit frame to be moved from the use limit frame of the parent card 113. The credit use processing unit 207 is a processing unit that performs processing when using a credit card.

The parent card 113 is sent to the limit frame provision processing unit 20.
5. A program for functioning as the limit frame update processing unit 206 and the credit use processing unit 207 is recorded on a recording medium such as a ROM and executed. The medium for recording the program may be any medium other than the ROM.

The parent card 113 has an application program storage unit 201, a data storage unit 202, and a control unit 203 for controlling the AP. The application program storage unit 201 incorporates a parent card AP 204.

The parent card 113 serves as the parent card AP 204 and performs a limit frame provision processing unit 20 for checking when a limit frame is set from the parent card 113 to the child card 114.
5. A limit frame update processing unit 206 for setting a use limit frame on the child card 114 and updating the use limit frame of the parent card 113 accordingly, and a credit use processing unit 207 for performing processing when using a credit card. The data storage unit 202 has data for implementing each process.

FIG. 3 is a diagram showing the data structure of the data storage unit 202 of the parent card 113 according to the present embodiment. In FIG. 3, a credit number 11 is an identification number of the parent card 113 as a credit card. The child card number 12 is a list of identification numbers of a plurality of child cards 114 linked to the parent card. The basic limit 13 indicates a limit set by the credit card issuing company 110 at the time of applying for a credit.

The current limit 14 represents the limit that the parent card 113 can use for credit after providing the child card 114 with the usage limit. The current usage amount 15 indicates the current credit usage amount of the parent card 113. The usage amount setting month 16 indicates the last month in which the parent card 113 used the credit card.

In FIG. 3, a column indicated by "value" indicates an example of each data, and a column indicated by "result" indicates a usage limit frame setting system according to the present embodiment for the data example of "value". 5 shows an example of a processing result when the processing of FIG.

FIG. 4 is a diagram showing the module structure of the child card device of the present embodiment. As shown in FIG. 4, the child card 114 according to the present embodiment includes a limit frame reception processing unit 305, a limit frame update processing unit 306, and a credit use processing unit 307.
And

The limit frame reception processing unit 305 is a processing unit that checks whether the use limit frame to be moved does not exceed the maximum limit frame of the child card 114. The limit frame update processing unit 306 is a destination limit frame update processing unit that updates the use limit frame of the child card 114 by adding the use limit frame of the movement target to the use limit frame of the child card 114. The credit use processing unit 307 is a processing unit that performs processing when using a credit card.

The child card 114 is transferred to the limit receiving section 30.
5. A program for functioning as the limit frame update processing unit 306 and the credit use processing unit 307 is recorded on a recording medium such as a ROM and executed. The medium for recording the program may be any medium other than the ROM.

The child card 114 has an application program storage unit 301, a data storage unit 302, and a control unit 303, similarly to the structure of the parent card 113 described in FIG.

The application program storage unit 301 of the child card 114 has a child card AP 304, and as the child card AP 304, the child card 114
And a credit limit processing unit 307 for setting a usage limit frame for the child card 114, and a credit use processing unit 307 for performing a process when using a credit card. I have. The data storage unit 302 has data for implementing each process.

FIG. 5 is a diagram showing the data structure of the data storage unit 302 of the child card 114 according to the present embodiment. In FIG. 5, a credit number 21 is an identification number of the child card 114 as a credit card. The parent card number 22 is an identification number of the parent card 113 relating to the child card.
The maximum limit 23 is set at the time of applying for a credit from the credit card issuing company 110, and represents the maximum limit frame that the child card 114 can use for credit.

The current limit 24 indicates the usage limit of the child card 114 received from the parent card 113. The current usage amount 25 indicates the current credit usage amount of the child card 114. The usage amount setting month 26 is the child card 114
Represents the last month that the credit was used.

In FIG. 5, a column indicated by "value" represents an example of each data, and a column indicated by "result" corresponds to the data example of "value". 5 shows an example of a processing result when the processing of FIG.

FIG. 6 is a diagram showing a module structure of the interface device of the present embodiment. As shown in FIG. 6, the interface device according to the present embodiment includes a limit frame providing / receiving processing unit 406 and a credit use processing unit 407.

The limit frame providing / receiving processing unit 406 inputs the usage limit frame to be transferred to be transferred from the parent card 113 to the child card 114, and receives the limit frame receiving processing unit 305, the limit frame providing processing unit 205, and the limit frame updating process. A processing unit that calls the unit 206 and the limit frame update processing unit 306 to move the usage limit frame to be moved from the parent card 113 to the child card 114. The credit use processing unit 407 is a processing unit that performs processing when using a credit card.

A program for causing the interface device to function as the limit frame providing / receiving processing unit 406 and the credit use processing unit 407 is recorded on a recording medium such as a ROM and executed. The medium for recording the program may be any medium other than the ROM.

FIG. 6 is a terminal for instructing execution of the application program stored in the card.
The structure of an interface device (hereinafter abbreviated as IFD) corresponding to the P built-in terminal 111, the wallet 121, the credit use terminal 131, and the like is shown. Although the operating system of each IFD differs for each device, the structure of the IFD that realizes the function described in the use limit frame setting system of the present embodiment is the same for all devices.

In FIG. 6, the IFD incorporates a control unit 404 for controlling processing and a menu program 403 for selecting an AP to be started. The IFD includes an application program storage unit 401 and a data storage unit 402.
have.

Application program storage unit 401
Has a parent-child card AP405 that realizes the function of the usage limit frame setting system of the present embodiment. The application processing possessed by the parent-child card AP 405 corresponds to Wa in FIG.
llet121 and the credit use terminal 131 are different,
In the case of the wallet 121, the wallet 121 has a limit frame providing / receiving processing unit 406 for providing a limit from the parent card 113 to the child card 114 in FIG.
In the case of (1), a credit use processing unit 407 for using a credit card is provided. The data storage unit 402 has data for implementing each process.

FIG. 7 is a diagram showing the data structure of the data storage unit 402 of the IFD of this embodiment. In FIG. 7, the current date 31 represents the current date set by the timer of the IFD, and the received amount 32 is an amount indicating a use limit frame of a transfer target transferred from the parent card 113 to the child card 114, and The amount of money 33 represents a target amount of money when credit is performed using this function. The column indicated by “value” in FIG. 7 represents an example of each data.

Using FIG. 8, FIG. 9 and FIG.
A process flow of an application on the IFD, an application on the child card 114, and an application on the parent card 113 when the usage limit is transferred from the client 13 to the child card 114 will be described. This function is a process performed by the credit card user 120 in FIG.
21 is used as the IFD.

First, the flow of the processing of the limit frame providing / receiving processing unit 406 of the wallet 121 will be described with reference to an example in which a parent card 113 provides a child card 114 with a frame of 50,000 yen. The initial value of the data storage unit 202 of the parent card 113 described with reference to FIG. 3 and the initial value of the data storage unit 302 of the child card 114 described with reference to FIG. It is assumed that a value is set in advance.

That is, as shown in the column of “value” in FIG. 3, “1” is set as the initial value of the parent card 113 in the credit number 11.
23456 ”is set, and“ 3
45678 "and" 567890 ". The basic limit 13 is set to "500,000", and the current limit 14 is set to a value equivalent to the basic limit 13 when a credit card is issued. The current usage amount 15 is “0”, and the usage amount setting month 16 is set to “July 1997” at which the parent card 113 was issued.

In FIG. 5, “345678” which is the number of the child card 114 is set to the credit number 21, “123456” is set to the parent card number 22, and the credit card issuing company 110 is set in advance to the maximum amount 23. The set “150,000” is set. In addition, the current limit 24 and the current usage 25 are “0”, and the child card 114 was issued “1997” in the usage setting month 26.
July "is set.

FIG. 8 is a flowchart showing a processing procedure of the limit frame providing / receiving processing unit 406 on the IFD of this embodiment. The processing procedure for transferring the usage limit frame “50,000” from the parent card 113 to the child card 114 will be described below.

(1) When the user selects the limit frame providing / receiving processing application from the menu program 403 on the IFD in FIG. 6, the limit frame providing / receiving processing unit 406 on the IFD in FIG. 6 is started. Hereinafter, the IF using FIG.
The processing flow of the limit frame providing / receiving processing unit 406 on D will be described.

(2) The parent card 11 is provided to the user by the "input request and setting of the transfer amount" of step 501 in FIG.
A use limit frame to be transferred from 3 to the child card 114 is designated from a keyboard or the like provided in the IFD. Further, in step 501, the input usage limit frame is set to the I limit shown in FIG.
Reception amount 32 of data storage unit 402 held by FD
Set to. In this example, “50,000” is the parent card 1
In order to transfer from 13 to the child card 114, “50,000” is set as the value of the received amount 32.

(3) Next, in step 502, “starting of child card AP [limit frame receiving process]”, the received amount 32
The limit frame reception processing unit 305 in FIG. 4 is called using “50,000” as a parameter.

FIG. 9 is a flowchart showing a processing procedure of the limit frame receiving processing unit 305 of the child card AP 304 of this embodiment.

(4) As shown in FIG. 9, the limit receiving unit 305 called at step 502 checks whether the maximum amount 23 which can be transferred from the parent card 113 to the child card 114 is not exceeded. I do.

First, as shown in step 601, the current limit 24 (0 in this example) stored in the data storage unit 302 on the child card 114 in FIG. 5 and the parameter (3) are received. Received amount 32 (50,0 in this example)
00) is calculated and set in the work area.

Next, the value of the work area calculated as shown in step 602 and the maximum amount 23 in FIG.
If the value of the work area does not exceed the maximum amount 23, the credit number 21 of FIG. 5 is set as the return value as shown in step 603, and the limit frame on the IFD of FIG. 8 is set. The process returns normally to the provision / reception processing unit 406 (in this example, “345678” is returned as the credit number 21 upon return).

If the value of the work area exceeds the maximum amount 23 in step 602, error information is set,
An error is returned to the limit frame providing / receiving processing unit 406 on the IFD in FIG.

(5) In the limit frame providing / receiving processing unit 406 on the IFD shown in FIG.
It is determined whether or not the result of the activation of the limit receiving processing unit 305 is a normal return.

If the operation returns normally, step 50
In step 4, the credit number 21 of the child card 114, which is the return value of step 502, the current date 31 stored in the data storage unit 402 on the IFD in FIG. 7, and the received amount 32 set in the above (2) are used as parameters. Set to
In step 505, the limit frame provision processing unit 205 of the parent card AP 204 is called.

FIG. 10 shows the parent card AP 204 of this embodiment.
5 is a flowchart showing a processing procedure of a limit frame providing processing unit 205 of FIG.

(6) As shown in FIG. 10, in step 701, the limit frame providing processing unit 205 of the parent card AP 204 uses the current date 31 received as a parameter and the usage amount stored in the data storage unit 202 on the parent card 113. The set month 16 is compared, and if they do not match, the current usage amount 15 on the parent card 113 is cleared to zero in step 702, and step 7
In 03, the current date 31 received as a parameter in the usage amount setting month 16 is set. The current date 31 and usage month 1
If 6 matches, proceed to step 704 without doing anything.

Next, at step 704, the received amount 32 passed as a parameter from the current limit amount 14 on the parent card 113
Is compared with the current usage amount 15.

As a result of the comparison, if the subtracted value is larger than the current usage amount 15, the process proceeds to step 705, and the credit number 21 of the child card 114 passed as a parameter is listed in the child card number 12 of the parent card 113. Make sure that If the credit number 21 of the child card 114 is listed, the check is normal, and a normal return is returned to the limit frame providing / receiving processing unit 406 on the IFD in FIG. Otherwise, return an error return.

(7) In the limit frame providing / receiving processing unit 406 on the IFD shown in FIG.
It is confirmed whether or not the result of the limit frame provision processing unit 205 of No. 4 is a normal return.
In step 50, the receiving amount 32 is set as a parameter.
The process of step 8 calls the limit frame update processing unit 206 of the parent card AP 204.

(8) In the limit frame update processing unit 206 of the parent card AP 204, as shown in Step 706 of FIG.
Subtract 2 In this example, the initially set value "500
Since the received amount 32 “50000” is subtracted from “000”, “450,000” is set as a result. The column of “Result” in FIG. 3 indicates a value set as a result of the subtraction. When this process ends, the process returns to the limit frame providing / receiving processing unit 406 on the IFD in FIG.

(9) The limit frame provision / reception processing unit 406 on the IFD sets the received amount 32 again as a parameter in step 509, and calls the limit frame update processing unit 306 of the child card AP 304 in step 510.

(10) By the processing of step 604 in FIG. 9, the received amount 3
2, the limit frame providing / receiving processing unit 4 on the IFD in FIG.
The process returns to 06. As a result, in this example, the “result” in FIG.
, The current limit 24 is “50,000”.

(11) When the return of step 510 is received, the limit provision / reception processing unit 40 on the IFD shown in FIG.
Step 6 terminates all processing.

In the following FIGS. 11 and 12, FIGS.
A process when the credit card is used by the child card 114 when the use limit frame set by the method described with reference to FIG. 10 is used will be described. This processing is performed in the store 130 of FIG. 1 and the credit use terminal 131 of FIG.
Is used.

FIG. 11 is a flowchart showing the processing procedure of the credit use processing unit 407 on the IFD of this embodiment. FIG. 12 is a flowchart illustrating a processing procedure of the credit use processing unit 307 on the child card 114 according to the present embodiment. The processing procedure at the time of using a credit card will be described using an example of using 30,000 yen as a credit.

(1) When the user activates the credit use processing application from the menu program 403 on the IFD in FIG. 6, the credit use processing unit 407 on the IFD in FIG. 6 starts. Hereinafter, the IFD using FIG.
The above processing flow will be described.

(2) In step 801 "input request and setting of credit amount 33", the user is caused to specify the amount to be paid by credit card from a keyboard or the like provided in the IFD. Further, in step 801, the input amount to be paid by the credit card is stored in the credit amount 33 of the data storage unit 402 held by the IFD shown in FIG.
Set to. As a result, in this example, the value of the credit amount 33 is set to “30,000”.

(3) Next, at step 802, the IF
Current date 3 stored in data storage unit 402 on D
Take 1 out.

(4) The credit amount 33 set in step 801 and the step 80
The current date 31 extracted in step 2 is set as a parameter, and the credit use processing unit 30 of the child card 114 is executed in step 804 by “starting child card AP [credit use process]”.
Call 7

(5) “child card AP” in step 804
The processing flow of the credit use processing unit 307 of the child card AP 304 called by "[Credit use processing] start" will be described with reference to FIG. By the processing of step 901, the data storage unit 302 on the child card 114 in FIG.
Is compared with the current date 31 received as a parameter, and if the values do not match,
The current usage amount 25 in FIG. 5 is set to zero, and the current date 31 received as a parameter is set in the usage amount setting month 26 in FIG.

Next, by the processing of step 904, the sum of the credit amount 33 received as a parameter and the current usage amount 25 of FIG. 5 is smaller than the current limit amount 24 set by the processing described in step 509 of FIG. Check.

If the current limit 24 is larger than the total value, step 905 proceeds to step 905 where the current usage amount 25 shown in FIG.
To the credit amount 33 received in the parameter,
The process returns normally to the credit use processing unit 407 on the IFD shown in FIG. If the current limit amount 24 is smaller than the total value in step 904, error information is set and an error is returned. In this example, as a result of performing the above processing, the value of the current usage amount 25 in FIG. 5 is set to “30,000” as shown in the “Result” column in FIG.

(6) In the credit use processing unit 407 on the IFD in FIG.
It is determined whether the result of the activation of the credit use processing unit 307 is a normal return. If the process returns normally, all processes are terminated.

8, 9, 10, 11, and 12
According to the method shown in FIG.
4, a usage limit is set, and as a result, it is possible to use the credit within the range set in the child card 114.

As described above, according to the use limit frame setting system of the present embodiment, a certain value is subtracted from the numerical data stored in the source card and indicating the limit such as the allowable limit of the credit card or the like. Is transferred to the destination card and the subtracted value is set as numerical data representing the limit of the allowable limit of the destination card, so that the memory card with the usage limit set is used as a parent-child card in a credit card or the like. In such a case, it is possible to move the allowable use limit frame between the parent card and the child card.

[0081]

According to the present invention, a certain value is subtracted from numerical data representing a limit such as an allowable limit of a credit card or the like stored in a source card, and the subtracted value is transferred to a destination card. Since the subtracted value is set as numerical data indicating the limit of the allowable limit of the destination card, when the memory card with the usage limit set is used as a parent-child card in a credit card or the like, the allowable usage limit is moved. Can be performed between the parent card and the child card.

[Brief description of the drawings]

FIG. 1 is a diagram illustrating a schematic configuration of a use limit frame setting system according to an embodiment.

FIG. 2 is a diagram showing a module structure of a parent card device of the embodiment.

FIG. 3 shows a data storage unit 2 of the parent card 113 according to the embodiment.
It is a figure showing the data structure of No. 02.

FIG. 4 is a diagram showing a module structure of a child card device of the present embodiment.

FIG. 5 shows a data storage unit 3 of the child card 114 according to the embodiment.
It is a figure showing the data structure of No. 02.

FIG. 6 is a diagram showing a module structure of the interface device of the embodiment.

FIG. 7 is a diagram showing a data structure of a data storage unit 402 of the IFD according to the embodiment.

FIG. 8 is a flowchart illustrating a processing procedure of a limit frame providing / receiving processing unit 406 on the IFD according to the present embodiment.

FIG. 9 is a flowchart illustrating a processing procedure of a limit slot receiving processing unit 305 of the child card AP 304 according to the present embodiment.

FIG. 10 is a flowchart illustrating a processing procedure of a limit frame providing processing unit 205 of the parent card AP 204 according to the present embodiment.

FIG. 11 is a flowchart illustrating a processing procedure of a credit use processing unit 407 on the IFD according to the present embodiment.

FIG. 12 is a flowchart illustrating a processing procedure of a credit use processing unit 307 on a child card 114 according to the present embodiment.

[Explanation of symbols]

110: credit card issuing company, 111: AP embedded terminal, 112: initialized card, 113: parent card,
114 ... child card, 120 ... credit card user,
121 Wallet, 130 Store, 131 Credit utilization terminal, 201 Application program storage unit, 202 Data storage unit, 203 Control unit, 204
... Parent card AP, 205 ... Limit frame provision processing unit, 206 ...
Limit frame update processing unit, 207 ... Credit use processing unit, 1
1 ... credit number, 12 ... child card number, 13 ... basic limit, 14 ... current limit, 15 ... current usage, 16 ...
Usage month, 301: application program storage unit, 302: data storage unit, 303: control unit, 304
… Child card AP, 305… limit frame receiving processing unit, 306…
Limit frame update processing unit, 307 ... Credit use processing unit, 2
1 ... Credit number, 22 ... Parent card number, 23 ... Maximum amount, 24 ... Current limit, 25 ... Current amount used, 26 ...
Usage amount setting month, 401: application program storage unit, 402: data storage unit, 403: menu program, 404: control unit, 405: parent-child card AP, 40
6: limit frame providing / receiving processing unit, 407: credit use processing unit, 31: current date, 32: received amount, 33: credit amount.

Claims (3)

[Claims] 1. A method for setting a use limit frame for transferring a use limit frame of a transaction process from a source card to a destination card, wherein the user inputs a use limit frame to be transferred to be transferred from the source card to the destination card. Step and step of checking whether the usage limit of the target card does not exceed the maximum limit of the destination card, and checking that the usage limit of the target card does not exceed the movable limit of the source card. Checking whether the destination card is defined as the destination of the source card, and deducting the usage limit of the source card from the usage limit of the source card, And updating the usage limit of the destination card by adding the usage limit of the transfer target to the usage limit of the destination card. Utilization limits set method characterized. 2. A use limit frame setting system for moving a use limit frame of a transaction process from a source card to a destination card, wherein a use limit frame to be moved does not exceed a maximum limit frame of the destination card. A limit frame receiving processing unit that checks whether the usage limit frame to be moved does not exceed the movable usage limit frame of the source card and the destination card is defined as the destination of the source card. A limit frame providing processing unit for checking whether or not there is a transfer limit unit, a source limit frame update processing unit for subtracting the transfer limit frame of the transfer target from the transfer limit frame of the transfer source card, and updating the transfer limit frame of the transfer source card, Destination limit frame update processing unit that updates the usage limit frame of the destination card by adding the usage limit frame of the destination card to the usage limit frame of the destination card, and transfer that transfers from the source card to the destination card Enter the usage limit frame of the target, call the above-mentioned limit frame reception processing unit, limit frame provision processing unit, source limit frame update processing unit and destination limit frame update processing unit, and change the usage limit frame of the transfer target to the source. A use limit frame setting system, comprising: a limit frame providing / receiving unit for moving from a card to a destination card. 3. A medium in which a program for causing a computer to function as a use limit frame setting system for moving a use limit frame of a transaction process from a source card to a destination card is recorded. A limit frame receiving processing unit that checks whether the maximum limit of the destination card has been exceeded, and whether the usage limit frame to be moved does not exceed the movable limit frame of the source card and the destination card And the limit limit provision processing unit that checks whether or not is defined as the destination of the source card, and updates the limit of the source card by subtracting the limit of the target card from the limit of the source card Source limit frame update processing unit to perform, and destination limit to update the usage limit frame of the destination card by adding the usage limit frame of the transfer target to the usage limit frame of the destination card An update processing unit, and a usage limit frame to be transferred to be transferred from the source card to the destination card are input, and the limit frame receiving processing unit, the limit frame providing processing unit, the source limit frame update processing unit, and the destination limit frame are input. A medium storing a program for calling a renewal processing unit and causing a computer to function as a limit frame providing / receiving processing unit for moving a use limit frame to be moved from a source card to a destination card.