WO2021015217A1 - 決済媒体の有効化方法及びシステム - Google Patents

決済媒体の有効化方法及びシステム Download PDF

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Publication number
WO2021015217A1
WO2021015217A1 PCT/JP2020/028360 JP2020028360W WO2021015217A1 WO 2021015217 A1 WO2021015217 A1 WO 2021015217A1 JP 2020028360 W JP2020028360 W JP 2020028360W WO 2021015217 A1 WO2021015217 A1 WO 2021015217A1
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WO
WIPO (PCT)
Prior art keywords
user
card
payment medium
information
administrator
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Ceased
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PCT/JP2020/028360
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English (en)
French (fr)
Japanese (ja)
Inventor
真一 鷹取
孝弘 椎野
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Kyash Inc
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Kyash Inc
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Filing date
Publication date
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Anticipated expiration legal-status Critical
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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards

Definitions

  • the present invention relates to a payment medium activation method and system.
  • values intangible assets
  • a person purchases a product or service sold by a member store by charging a certain amount of electronic money in advance or immediately and handing it to a member store that is an electronic money user by a predetermined method, and becomes a member.
  • the store receives payment of cash, etc. from the electronic money issuer in exchange for electronic money equivalent to the sales proceeds.
  • Patent Document 1 As a method of charging electronic money, in addition to charging with cash, there is a charging method linked to an object capable of guaranteeing the solvency of a credit card, a bank account, etc. (for example, Patent Document 1). Further, a method in which a user can select a plurality of charging methods (funding sources) from options is also disclosed (for example, Patent Document 2).
  • the user or the administrator registers the registration information, and the registration information is used.
  • the payment medium provider provides the payment medium and the identification code to the user or the administrator, and the user requests activation including at least the identification code and the user identification information or the administrator identification information. It is transmitted to the payment medium provider, and the payment medium is activated based on the activation request.
  • FIG. 1 is a block configuration diagram showing a payment medium activation system according to an embodiment of the present invention.
  • a card company terminal 100 which is a terminal of a card company that issues a physical card
  • a user terminal 200 which is a terminal of a user who uses the physical card
  • a user is a corporation.
  • It is composed of an administrator terminal 300, which is an administrator's terminal that manages the issuance of physical cards when an employee belongs to the above, and a funding source 400, which is a source of expenditure when the user uses the card.
  • the system will be illustrated and described. This system is an example and is not limited to this configuration. For example, when an individual uses a physical card, the administrator terminal 300 does not have to be provided, and all the configurations are connected to each other via a network NW. It does not have to be.
  • a card company is a so-called issuer of a credit card or a prepaid card, which issues a card to a user and manages credit. For example, in the case of a prepaid card, the balance of the user's electronic money is managed. When a user uses a prepaid card in exchange for a product at a member store, the transaction is authorized (approved).
  • the user can be an individual user or a corporate user, and in the case of a corporation, the corporation issues a card to another corporation as a secondary issuer (partner), and the company provides the card. It is also conceivable to add a function to provide the service.
  • the user is an employee belonging to a corporation and the card company issues the card as a corporate card
  • the administrator belonging to the corporation issues the card to the business division or employee, and the user is asked. It is also conceivable to use the card for business-related purposes such as business trips, meetings and entertainment.
  • the card company issues a prepaid card, for example, a so-called virtual card, which is displayed via application software installed by the user on a mobile terminal such as a smartphone, or responds to a request from the user.
  • a prepaid card for example, a so-called virtual card
  • an IC card having a built-in magnetic card or IC chip which is called a physical card and has predetermined card information printed on plastic such as a credit card or a debit card.
  • a virtual card is used for transactions such as online purchase of goods such as online shopping
  • a physical card is used for transactions such as purchase of goods or services at a physical store.
  • the card company also provides a service (directly paying card information) using a non-contact terminal device installed in a store or the like via application software installed on a mobile terminal such as a smartphone by the user. It may be a payment using a payment or a payment using a token.) May be provided directly or indirectly.
  • the card company terminal 100, the user terminal 200, the administrator terminal 300, and the funding source 400 are connected via the network NW.
  • the network NW is composed of the Internet, an intranet, a wireless LAN (Local Area Network), a WAN (Wide Area Network), and the like.
  • the card company terminal 100 may be, for example, a general-purpose computer such as a workstation or a personal computer, or may be logically realized by cloud computing. In the present embodiment, one card company terminal is illustrated for convenience of explanation, but the present invention is not limited to this, and a plurality of cards may be used.
  • the user terminal 200 and the administrator terminal 300 are, for example, information processing devices such as personal computers and tablet terminals, but may be configured by smartphones, mobile phones, PDAs, and the like.
  • the funding source 400 may be in any form as long as it is a value pool, for example, it may be any of a credit card, a debit card, a bank account, a blockchain account, and a carrier settlement, and other sales proceeds ( It may be a value pool that handles values accumulated by card payment), values equivalent to financial assets (credit, etc.), and values that are worth it when users fund.
  • the system 1 is described as having a card company terminal 100, a user terminal 200, an administrator terminal 300, and a funding source 400, but as described above, the user uses a secondary issuer (partner). It can also be a terminal, and in the case where the partner's card user becomes another corporation or individual, the partner is replaced with the card company (card company terminal 100) in this system, and the card issued by the partner is used. Can be replaced with a user (user terminal 200) in this system. If the partner is replaced by a card company, it is possible to use the API (Application Programming Interface) of the original card company.
  • API Application Programming Interface
  • FIG. 2 is a functional block configuration diagram of the card company terminal 100 of FIG.
  • the card company terminal 100 includes a communication unit 110, a storage unit 120, and a control unit 130.
  • the communication unit 110 is a communication interface for communicating with the user terminal 200 or the administrator terminal 300 via the network NW, and the communication is performed according to a communication protocol such as TCP / IP (Transmission Control Protocol / Internet Protocol). Will be.
  • a communication protocol such as TCP / IP (Transmission Control Protocol / Internet Protocol). Will be.
  • the storage unit 120 stores programs for executing various control processes and each function in the control unit 130, input data, and the like, and is composed of a RAM (Random Access Memory), a ROM (Read Only Memory), and the like.
  • the storage unit 120 is a member of the user data storage unit 121, which stores various data necessary for authorization (approval) of transactions and charging of electronic money when a card user purchases a product or service at a member store. It has a message data storage unit 122, an administrator data storage unit 123 (not shown in FIG. 2, which will be described later in FIG. 7) and the like, which store data related to the authority message received from the store. Further, the storage unit 120 can temporarily store the data that has communicated with the user terminal 200 or the administrator terminal 300.
  • a database (not shown) storing various data may be constructed outside the storage unit 120.
  • the control unit 130 controls the entire operation of the card company terminal 100 by executing a program stored in the storage unit 120, and is used from a CPU (Central Processing Unit), a GPU (Graphics Processing Unit), or the like. It is composed.
  • the functions of the control unit 130 are a request reception unit 131 that receives an instruction from the user terminal 200, a card issuance approval processing unit 132 that performs processing for approval of a card issuance request, and a card activation. It has an activation processing unit 133 that performs processing.
  • the request reception unit 131, the card issuance approval processing unit 132, and the activation processing unit 133 are activated by a program stored in the storage unit 120 and executed by the card company terminal 100 which is a computer (electronic computer).
  • the control unit 130 may have an approval processing unit that performs processing for approval of the authorization request and a charge processing unit that performs processing related to charging of electronic money, if necessary. ..
  • the request reception unit 131 for example, in a user interface displayed via an application installed on the user terminal 200, allows the user to register user information or issue a virtual or physical card, for example.
  • a predetermined request such as the above is made
  • the request is received from the user terminal 200 via the communication unit 110.
  • a user purchases a product or service using a card at a member store reads a physical card with a reader of a store terminal, and sends an authority telegram to make an authority request, for example.
  • the request is received from the store terminal via the communication unit 110.
  • the card issuance approval processing unit 132 When the card issuance approval processing unit 132 receives the card issuance request from the user terminal 200, the card issuance approval processing unit 132 performs a predetermined process for approving the request.
  • the activation processing unit 133 When the activation processing unit 133 receives the card activation request from the user terminal 200, the activation processing unit 133 performs a predetermined process for performing the activation described later.
  • FIG. 3 is a functional block configuration diagram showing the user terminal 200 of FIG.
  • the user terminal 200 includes a communication unit 210, a display operation unit 220, a storage unit 230, and a control unit 240.
  • the communication unit 210 is a communication interface for communicating with the card company terminal 100 via the network NW, and communication is performed according to a communication convention such as TCP / IP.
  • the display operation unit 220 is a user interface used for the user to input an instruction and display text, an image, etc. according to the input data from the control unit 240, and the user terminal 200 is composed of a personal computer. If it is, it is composed of a display, a keyboard and a mouse, and if the user terminal 200 is composed of a tablet terminal, it is composed of a touch panel and the like.
  • the display operation unit 220 is activated by a control program such as an application program stored in the storage unit 230 and executed by a user terminal 200 which is a computer (electronic computer).
  • the storage unit 230 stores various control processes, programs for executing each function in the control unit 240, input data, and the like, and is composed of a RAM, a ROM, and the like. In addition, the storage unit 230 temporarily stores the communication content with the card company terminal 100.
  • the control unit 240 controls the entire operation of the user terminal 200 by executing the program stored in the storage unit 230, and is composed of a CPU, a GPU, and the like.
  • the card company terminal 100 may have all or part of the functions of a control program such as an application program stored in the user terminal 200.
  • FIG. 4 is a functional block configuration diagram showing the administrator terminal 300 of FIG.
  • the administrator terminal 300 includes a communication unit 310, a display operation unit 320, a storage unit 330, and a control unit 340.
  • the communication unit 310 is a communication interface for communicating with the card company terminal 100 via the network NW, and communication is performed according to a communication convention such as TCP / IP.
  • the display operation unit 320 is a user interface used for the administrator to input an instruction and display text, an image, etc. according to the input data from the control unit 340, and the administrator terminal 300 is composed of a personal computer. If it is, it is composed of a display, a keyboard and a mouse, and if the administrator terminal 300 is composed of a tablet terminal, it is composed of a touch panel and the like.
  • the display operation unit 320 is activated by a control program such as an application program stored in the storage unit 330 and executed by the administrator terminal 300 which is a computer (electronic computer).
  • the storage unit 330 stores various control processes, programs for executing each function in the control unit 340, input data, and the like, and is composed of a RAM, a ROM, and the like. In addition, the storage unit 330 temporarily stores the communication content with the card company terminal 100.
  • the control unit 340 controls the entire operation of the administrator terminal 300 by executing the program stored in the storage unit 330, and is composed of a CPU, a GPU, and the like.
  • the card company terminal 100 may have all or part of the functions of a control program such as an application program stored in the administrator terminal 300.
  • FIG. 5 is a schematic diagram showing an example of user data stored in the card company terminal 100.
  • the user data 1000 shown in FIG. 5 stores various data related to the user who uses the card.
  • Various data related to the user include, for example, user registration information (in the case of an individual, name, date of birth, gender, address, contact information (phone number, e-mail address, etc.), and card information (card information, etc.).
  • PAN card number
  • EXP expiration date
  • PIN personal identification number
  • CAV / CVC2 / CVV2 / CID security code
  • Is done Is done.
  • FIG. 6 is a schematic diagram showing an example of telegram data stored in the card company terminal 100.
  • the telegram data 2000 shown in FIG. 6 stores various data stored in the authority telegram.
  • Various data related to the authority telegram include, for example, information such as card information used at the member store, member store ID, date and time of use, and amount of money used.
  • FIG. 7 is a schematic diagram showing an example of the administrator data 3000 stored in the card company terminal 100 when the user is an employee belonging to a corporation. In this case, it is more preferable that the user data 1000 regarding the employee is not stored in the card company terminal 100. As a result, the burden on the card company to handle a large amount of personal information can be reduced.
  • the administrator data 3000 shown in FIG. 7 stores various data related to the administrator.
  • Various data related to the administrator include, for example, administrator registration information (in the case of a corporation, the corporation name, contact information, representative name, representative address, etc.), and card information (for example, card number (PAN)).
  • card information for example, card number (PAN)
  • PAN card number
  • EXP expiration date
  • PIN personal identification number
  • CAV / CVC2 / CVV2 / CID security code
  • track data etc.
  • credit-related information for example, electronic money balance, usage limit, etc.
  • administrator funding source information credit card information, debit card information, bank account information, virtual currency account information, and carrier payment information.
  • Etc. are also included.
  • FIG. 8 is an example of a flowchart relating to a method of activating a physical card according to an embodiment of the present invention.
  • the user accesses a website or application software from the user terminal 200, registers user data in the provided user interface (S101), and requests the issuance of the physical card. Do (S102).
  • the user data to be registered at the time of processing in S102 may be at least information necessary for approval (S103) for issuing a physical card, which will be described later.
  • S103 information necessary for approval
  • the user registration information for example, name, address, etc.
  • the virtual card has already been issued via the website or application software, the information registration (S101) may be omitted and the user data registered at the time of issuing the virtual card may be referred to.
  • each information may be registered by the required timing, for example, the funding source information may be registered by the time the physical card is used. Further, as will be described later, the card information of the physical card may be registered at the time of the activation process.
  • the card company approves the issuance of the physical card based on the user data received from the user terminal 200 (S103).
  • the card company will send the physical card to the user.
  • the identification code associated with the physical card which can be read by the user terminal 200, is sent together with the physical card.
  • the identification code and the user data are not linked to each other on the server 100, so that it is easy for the card company to issue a physical card. It may be tied.
  • the identification code may be read by image recognition such as a one-dimensional code such as a bar code or a two-dimensional code such as a QR code.
  • the information stored in the IC chip of the physical card may be used as an identification code and read directly by the user terminal 200 or indirectly via a reader or the like.
  • the user starts the application software and reads the identification code associated with the physical card with the user terminal 200 (S104). Then, an activation request including the read identification code and the user identification information (for example, the administrator ID, particularly the user ID associated with the application software or the like) is transmitted to the card company terminal 100 (S105). It should be noted that this transmission may be executed only by the user executing the transmission instruction (for example, pressing the transmission button), but at least when the procedure for activation is simplified. May prompt the input of personal information and other information that are insufficient for use, and send the information together, if necessary.
  • the transmission instruction for example, pressing the transmission button
  • the user only has to read the identification code sent from the payment medium provider such as the card company by the application software or the like when the payment medium such as the physical card is activated, which is simpler than before.
  • the activation process will be executed.
  • FIG. 9 is an example of a flowchart relating to a method of activating a physical card according to another embodiment of the present invention.
  • the administrator accesses a website or application software from the administrator terminal 300, registers the administrator data in the provided user interface (S101), and obtains the physical card. Make an issue request (S102).
  • the administrator data to be registered in the process of S102 may be at least the information necessary for approval (S103) for issuing a physical card, which will be described later.
  • S103 information necessary for approval
  • the administrator registration information for example, corporate name, contact information, representative name, representative address, number of cards, etc.
  • the administrator data registered at the time of issuing the virtual card may be referred to.
  • each information may be registered by the required timing.
  • the funding source information may be registered by the time the employee uses the physical card.
  • the card company approves the issuance of the physical card based on the administrator data received from the administrator terminal 300 (S104).
  • the card company will send the physical card to the administrator, and the administrator will distribute it to the users who are employees.
  • the identification code associated with the physical card which can be read by the user terminal 200, is sent together with the physical card.
  • the identification code and the user data are not linked to each other on the server 100, so that it is easy for the card company to issue a physical card. It may be tied.
  • the identification code may be read by image recognition such as a one-dimensional code such as a bar code or a two-dimensional code such as a QR code.
  • the information stored in the IC chip of the physical card may be used as an identification code and read directly by the user terminal 200 or indirectly via a reader or the like.
  • the user starts the application software and reads the identification code associated with the physical card with the user terminal 200 (S104). Then, an activation request including the read identification code and the administrator identification information (for example, the administrator ID, particularly the administrator ID associated with the application software or the like) is transmitted to the card company terminal 100 (S105). It should be noted that this transmission may be executed only by the user executing the transmission instruction (for example, pressing the transmission button), but at least when the procedure for activation is simplified. May prompt the input of information other than personal information and send the information together, if necessary. Further, if the card company can accept the handling of personal information, the personal information of the user (for example, name, employee number, etc.) may be included.
  • the administrator identification information for example, the administrator ID, particularly the administrator ID associated with the application software or the like
  • FIGS. 8 and 9 the process of activating the physical card has been described, but after that, the virtual card issuance procedure is further performed via the website or application software, and the physical card is linked. It may be.
  • the user only has to read the identification code sent from the payment medium provider such as the card company by the application software or the like when the payment medium such as the physical card is activated, which is simpler than before.
  • the activation process will be executed.
  • the payment medium provider does not handle the personal information of a large number of users who are employees, the burden of personal information management on the payment medium provider can be reduced.
  • the application of the above embodiment is not limited to the activation method for physical cards, but is applied to values having a certain monetary value, including electronic money, legal currency values, various points, etc., and QR codes, etc. It can also be applied to a payment medium provided by a medium provider, such as a sheet medium on which a QR code is printed, an electronic medium such as a Web page displaying a QR code, or a virtual medium such as a Web service or an application.
  • a medium provider such as a sheet medium on which a QR code is printed, an electronic medium such as a Web page displaying a QR code, or a virtual medium such as a Web service or an application.

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  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Microelectronics & Electronic Packaging (AREA)
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  • Strategic Management (AREA)
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PCT/JP2020/028360 2019-07-22 2020-07-22 決済媒体の有効化方法及びシステム Ceased WO2021015217A1 (ja)

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KR102750183B1 (ko) * 2021-04-05 2025-01-07 비즈플레이 주식회사 법인 간편결제 권한 관리 시스템 및 방법과 이를 위한 컴퓨터 프로그램
KR102691122B1 (ko) * 2021-09-13 2024-08-09 비즈플레이 주식회사 간편 결제 사용 제한 시스템 및 방법과 이를 위한 컴퓨터 프로그램
KR102475000B1 (ko) * 2022-02-22 2022-12-06 농협은행(주) 법인형 간편 결제 지원 장치 및 방법
JP7689933B2 (ja) * 2022-03-30 2025-06-09 株式会社日本総合研究所 情報処理装置、プログラム及び情報処理方法

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