JP2002042016A - Commercial payment system by prepaid credit card - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an epoch-making commercial payment system by a prepaid credit card capable of providing a commercial transaction card allowing anyone to easily possess and widely usable for commercial transactions like a credit card. SOLUTION: This commercial payment system by prepaid credit card is constituted so that the prepaid credit card for setting a maximum use limit amount is issued in the range of a deposit amount of a bankbook provided by a financial institution, and an amount is automatically paid from the bankbook similarly to credit card payment by performing commercial transactions by this prepaid credit card, and payment recording of the commercial transactions is displayed on this bankbook.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a commercial payment system using a prepaid credit card.

[0002]

2. Description of the Related Art
Various things are used as cards for commercial transactions,
Mainly, there are credit cards, debit cards, prepaid cards, and cards with a current settlement function of foreign banks.

[0003] Among them, credit cards are currently the most mainstream, and are very convenient cards that can be used for Internet shopping and mail-order sales as well as for commercial transactions at various stores in Japan and overseas.

[0004] However, this credit card requires a membership screening before issuing the card.
Because not everyone is allowed to issue, there are many people who want to own it but cannot. Withdrawal payment for the usage amount is postpayment, and business transactions can be made even if there is virtually no money. Copy cards are made when using this credit card at stores, and card numbers are stolen when used on the Internet, and there is an increasing tendency to suffer card crimes. If you drop a card or get stolen and don't notice it without noticing it, you can be injured and seriously damaged. There were also disadvantages.

[0005] Also, compared to credit cards, debit cards can be issued immediately by anyone and can only use the balance of a bank deposit. There is,
There is a disadvantage that the use is limited to store use and cannot be used for the Internet or mail order.

[0006] Also, prepaid cards such as telephone cards and highway cards have the advantage that anyone can purchase as much as they want, but they have the disadvantage that services are limited to specific ones.

[0007] In addition, a card with an immediate settlement function of a foreign bank can be used for various business transactions like a credit card, and furthermore, like a debit card, it can only be used for the balance of a deposit, so that it can be used too much and cannot be settled later. It has the advantage of not having to do this, but has the disadvantage that the procedure for getting it issued is very cumbersome.

In view of the current state of such various types of commercial transaction cards, the present inventor has considered that if there is a commercial transaction card such as a credit card that can be easily owned by anyone and widely used in commercial transactions, With a focus on whether it would be a very convenient card for the consumer and the number of users of the card transaction could be expanded, he proposed the revolutionary prepaid credit card business settlement system of the present invention.

[0009]

The gist of the present invention will be described.

A credit card is issued by issuing a prepaid credit card in which the maximum usage limit is set to a predetermined amount within the range of the deposit amount of the bankbook provided by the financial institution, and performing a business transaction with the prepaid credit card. The present invention relates to a commercial payment system using a prepaid credit card, characterized in that payment is automatically debited from the bankbook as in the case of card payment, and that the bankbook displays a transaction record of a commercial transaction.

The prepaid credit card is configured so that the maximum usage limit can be selected within a range of at least 500,000 yen or several types of maximum usage limit within a range of at least 500,000 yen. 2. A prepaid credit card commercial settlement system according to claim 1, wherein the amount is set and can be selected from the several types of maximum usage limit.

The prepaid credit card may be issued as a set together with the passbook by depositing, or a prepaid credit card may be issued on condition that the passbook is presented. A commercial payment system using a prepaid credit card according to any one of claims 1 and 2, characterized in that:

[0013] Further, the maximum usage limit of the prepaid credit card is automatically increased by depositing in the deposit passbook, or the maximum use is made by presenting a deposit passbook with an increased remaining balance by depositing. A prepaid credit card with an increased limit is issued or another prepaid credit card is issued according to the increased deposit balance. The present invention relates to a commercial payment system using a prepaid credit card according to any one of the above aspects.

[0014]

BEST MODE FOR CARRYING OUT THE INVENTION An embodiment of the present invention (how to implement the invention) which is considered to be preferable will be briefly described with reference to the operation and effect thereof.

[0015] A prepaid credit card in which the maximum usage limit is set to a predetermined amount within the range of the deposit amount of the bankbook provided by the financial institution is issued.

[0016] This prepaid credit card is
As described above, the maximum usage limit is set within the range of the deposit amount in the passbook, so the payment is guaranteed by the deposit in the passbook, and therefore the payment is made when issuing the existing credit card. It is not necessary to perform an admission screening, etc., and any person with a deposited passbook can issue a prepaid credit card with a maximum usage limit within the range of the deposit amount become.

Therefore, a person who has not been able to own a credit card until now can easily own one with this prepaid credit card, and can use this prepaid credit card in various ways similar to conventional credit cards. Can be widely used for business transactions.

Therefore, even those who could not have a credit card and could not use commerce that required a credit card, such as Internet shopping,
Since the commercial transaction using the prepaid credit card becomes possible, the user class of the commercial transaction using the card is further expanded.

This prepaid credit card also has the risk of being stolen, making a copy card, or having the risk of stealing the card number, like the existing credit card. However, the maximum credit limit is that of the bankbook. The use of the prepaid credit card is less risky than existing credit cards, since it is limited to the range of the deposit amount and does not continue to cause significant damage.

Further, if a business transaction is made with this prepaid credit card, the maximum usage limit is set within the range of the deposit amount, so that it is never used too much to make it impossible to make a payment. Similarly, the amount of use is automatically debited and settled from the bankbook,
In this passbook, the settlement record of the commercial transaction is displayed.

In recent years, there have been many problems that a wife who has been assigned a household budget spends money and has a debt without her husband's knowledge. If you issue a prepaid credit card with the maximum usage limit set at 100,000 yen by deposit passbook held by you and deposit this 100,000 yen prepaid credit card with your wife as one month's living expenses, It will be absolutely possible to prevent my wife from wasting money and spending too much money, and the payment record of the prepaid credit card transaction is displayed in the passbook, so my husband looks at this payment record and Can also be managed.

Accordingly, an epoch-making commercial payment system using a prepaid credit card, which is extremely practical and extremely adaptable to such a modern social situation.

Also, for example, the prepaid credit card is configured so that the maximum credit limit can be selected within a range of at least 500,000 yen, or several types of maximum credit limit can be selected within a range of at least 500,000 yen. If the usage limit is set and it is possible to select from these several types of maximum usage limit, it is possible to select and set the optimum usage limit for individuals within the range of 500,000 yen or less. Yes, and the maximum usage limit is 500,000 yen at the maximum, so even if a prepaid credit card is stolen, a copy card is made, or the card number is stolen, the damage amount is 500,000 yen or less The risk of using this prepaid credit card is further reduced.

[0024]

Embodiment In this embodiment, a prepaid credit card in which a maximum usage limit is set to a predetermined amount within a range of a deposit amount of a passbook provided by a financial institution is issued, and the prepaid credit card is used. A commercial payment system using a prepaid credit card, characterized in that the transaction is automatically debited and settled from the bankbook in the same manner as the credit card payment, and the payment record of the commercial transaction is displayed in the bankbook. It is related to.

More specifically, the prepaid credit card is used in various business transactions such as storefronts, the Internet, and mail-order sales in the same manner as an existing credit card, by using a card affiliated with a credit card company. It is configured to be able to.

It should be noted that the prepaid credit card, like a conventional credit card, is used by a credit card company when a user makes a business transaction using the prepaid credit card. Will take a fee, and the amount deducted from this fee will be paid to retailers and mail order companies.

Further, it is considered that the company that issues the prepaid credit card and the passbook requests a fee from the consumer (a prepaid credit card user).

Therefore, in order to make the maximum usage limit of the prepaid credit card equal to the deposit amount, at least a commission paid to a company that issues the card and the passbook is added to the deposit passbook and the deposit is made. If this fee is not paid, it is estimated that the amount obtained by subtracting this fee from the deposit amount will be the maximum usage limit.

In this embodiment, since the maximum usage limit is set within the range of the deposit amount of the bankbook, the payment of the commercial transaction is guaranteed by the bankbook.
Therefore, it is not necessary to carry out an admission screening, etc., which is performed when issuing a credit card. A prepaid system that sets the maximum usage limit within the range of the deposit amount for anyone who has a deposited passbook Credit card can be issued.

Therefore, even a person who could not own a credit card until now can easily own a credit card of this prepaid type. Therefore,
Even a person who cannot own a credit card and cannot use a business transaction that requires a credit card, such as Internet shopping, can use the prepaid credit card to make a business transaction.

In addition, this prepaid credit card has a maximum usage limit of 500,000 yen or less, no matter how large the amount of money in the bankbook.

As described above, by setting the maximum usage limit to a small amount of 500,000 yen or less, even if a prepaid credit card is stolen, a copy card is made, or a card number is stolen, the amount of damage is reduced. Will be reduced to a maximum of 500,000 yen, and the risk of using this prepaid credit card will be much smaller than that of existing credit cards. Also, if this prepaid credit card is stolen or dropped,
A service may be provided such that the use of the prepaid credit card is stopped by sending a notification to that effect.

Further, the maximum usage limit of the prepaid credit card may be configured so that an arbitrary amount can be selected within a range of 500,000 yen or less, or a maximum usage limit of 500,000 yen or less. The limit is set in several types, for example, 30,000 yen, 50,000 yen, 100,000 yen, 300,000 yen, 500,000 yen, etc., so that it can be selected from these several types of maximum usage limits. May be.

If the maximum usage limit can be selected in this way, it becomes possible to set an optimum usage limit for an individual person, which is extremely practical.

After the prepaid credit card is issued, it may be structured so that money can be withdrawn from the bankbook as usual.
It may be configured such that a withdrawal can be made only by conducting a business transaction using the prepaid credit card.

In this embodiment, when a commercial transaction is made with this prepaid credit card, the transaction is immediately settled and the settlement record of this commercial transaction can be displayed on the bankbook.

Accordingly, in this commercial transaction using a prepaid credit card, since the maximum usage limit is set within the range of the deposit amount, there is no possibility that settlement will be impossible due to overuse, and the credit card will not be used. Similarly, the amount of use is automatically debited and settled immediately from the bankbook, and a settlement record of the commercial transaction can be displayed on the bankbook.

Further, the prepaid credit card may be issued as a set together with the passbook by depositing, or a prepaid credit card is issued on condition that the passbook is presented. In any case, since the bank passbook is handled, it is preferable to handle the bankbook at a financial institution such as a bank.

In the case where a prepaid credit card and a bankbook are issued as a set, for example, a transaction password for the prepaid credit card is determined in advance, and the bankbook is stored in the bankbook number. It is considered that the configuration in which the determination is made only by the operator can save labor in the office procedure.

Further, this prepaid credit card is configured to identify whether or not the card holder is the owner of the card by a personal identification number or a signature (signature) at the time of commercial transaction, like an existing credit card or debit card. .
It should be noted that, as in the case of a prepaid card such as a telephone card or a highway card, a configuration in which identification by a personal identification number or identification by a signature is unnecessary may be used. It is preferable because it is hard to use when it is stolen or stolen, and it is hard to damage.

Further, in this embodiment, even if there is no deposit in the bankbook, the prepaid credit card can be continuously used by depositing the bankbook again.

At this time, if the deposit is larger than the preset limit of the prepaid credit card, the selection limit is set again so that the preset limit of the prepaid credit card can be raised. You may be able to.

At this time, for example, the maximum usage limit of the prepaid credit card may be automatically increased by depositing the money into a bankbook, or the deposit may be increased by depositing the credit card. Another prepaid credit card whose maximum usage limit has been increased by presenting a passbook may be issued, or another prepaid credit card corresponding to the increased deposit may be issued.

[0044]

As described above, the present invention issues a prepaid credit card in which the maximum usage limit is set within the range of the deposit amount in the passbook, so that the payment for commercial transactions is guaranteed by the deposit in the passbook. As a result, there is no need to perform an enrollment screening, etc., which is performed when an existing credit card is issued, and any person who has a deposited passbook will be within the range of the deposit amount. , A prepaid credit card with a maximum usage limit set can be issued.

Therefore, even a person who has not been able to own a credit card until now can easily own one with this prepaid credit card, and thus cannot own a credit card, and is inevitably required to use a credit card for Internet shopping or the like. Even those who could not use the necessary commercial transactions can use the prepaid credit card to conduct commercial transactions, so that the user base of the commercial transactions using the card will be further expanded, and it is extremely practical. This is a revolutionary prepaid credit card payment system.

This prepaid credit card also has the risk of being stolen, making a copy card, or having the risk of stealing the card number, as in the case of the existing credit card. Because it is limited to the range of the deposit amount, it does not continue to be used and does not suffer great damage, the risk of using this prepaid credit card is very small compared to existing credit cards, and If you make a business transaction with this prepaid credit card, the maximum usage limit is set within the range of the deposit amount, so you will never use too much and you will not be able to make payments, like a credit card, The amount of use is automatically debited and settled, and this bankbook shows the settlement record of commercial transactions and ensures The quotient settlement system by Shigeru a prepaid credit card in a very practical, such as will be able to confirm the use situation.

Further, in the invention according to claim 2, 5
It is possible to select and set the maximum credit limit that is optimal for individuals within the range of less than ¥ 100,000. Since this maximum credit limit is up to ¥ 500,000, prepaid credit cards can be stolen. Even if you make a copy card or steal your card number, the damage amount will be reduced to 500,000 yen or less, and the risk of using this prepaid credit card will be further reduced, making it extremely practical. It becomes a commercial payment system using a prepaid credit card.

According to the third aspect of the present invention, when a prepaid credit card and a bankbook are issued as a set without prior examination, the prepaid credit card and the bankbook are exchanged. A commercial payment system using a prepaid credit card which is extremely practical and can be easily and reliably issued.

According to the fourth aspect of the present invention, the prepaid credit card can be continuously used by depositing again even if there is no deposit in the bankbook. It becomes a commercial settlement system using a credit card.

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[Procedure amendment]

[Submission date] July 6, 2001 (2001.7.6)

[Procedure amendment 1]

[Document name to be amended] Statement

[Correction target item name] Full text

[Correction method] Change

[Correction contents]

[Document Name] Statement

[Title of the Invention] Commerce payment system using prepaid credit card

[Claims]

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a commercial payment system using a prepaid credit card.

[0002]

2. Description of the Related Art
Various things are used as cards for commercial transactions,
Mainly, there are credit cards, debit cards, prepaid cards, and cards with a current settlement function of foreign banks.

[0003] Among them, credit cards are currently the most mainstream, and are very convenient cards that can be used for Internet shopping and mail-order sales as well as for commercial transactions at various stores in Japan and overseas.

[0004] However, this credit card requires a membership screening before issuing the card.
Because not everyone is allowed to issue, there are many people who want to own it but cannot. Withdrawal payment for the usage amount is postpayment, and business transactions can be made even if there is virtually no money. Copy cards are made when using this credit card at stores, and card numbers are stolen when used on the Internet, and there is an increasing tendency to suffer card crimes. If you drop a card or get stolen and don't notice it without noticing it, you can be injured and seriously damaged. There were also disadvantages.

[0005] Also, compared to credit cards, debit cards can be issued immediately by anyone and can only use the balance of a bank deposit. There is,
There is a disadvantage that the use is limited to store use and cannot be used for the Internet or mail order.

[0006] Also, prepaid cards such as telephone cards and highway cards have the advantage that anyone can purchase as much as they want, but they have the disadvantage that services are limited to specific ones.

[0007] In addition, a card with an immediate settlement function of a foreign bank can be used for various business transactions like a credit card, and furthermore, like a debit card, it can only be used for the balance of a deposit, so that it can be used too much and cannot be settled later. It has the advantage of not having to do this, but has the disadvantage that the procedure for getting it issued is very cumbersome.

In view of the current state of such various types of commercial transaction cards, the present inventor has considered that if there is a commercial transaction card such as a credit card that can be easily owned by anyone and widely used in commercial transactions, With a focus on whether it would be a very convenient card for the consumer and the number of users of the card transaction could be expanded, he proposed the revolutionary prepaid credit card business settlement system of the present invention.

[0009]

The gist of the present invention will be described.

[0010] A prepaid credit card having a maximum usage limit set within the range of the deposit amount of a bank passbook provided by a financial institution is issued, and business transactions are performed with the prepaid credit card, thereby achieving the same processing as credit card settlement. The present invention relates to a commercial payment system using a prepaid credit card, characterized in that the payment is automatically debited from the bankbook and the payment record of the transaction is displayed in the bankbook.

The prepaid credit card is configured so that the maximum usage limit can be selected within a range of at least 500,000 yen or several types of maximum usage limit within a range of at least 500,000 yen. 2. A prepaid credit card commercial settlement system according to claim 1, wherein the amount is set and can be selected from the several types of maximum usage limit.

The prepaid credit card may be issued as a set together with the passbook by depositing, or a prepaid credit card may be issued on condition that the passbook is presented. A commercial payment system using a prepaid credit card according to any one of claims 1 and 2, characterized in that:

[0013] Further, the maximum usage limit of the prepaid credit card is automatically increased by depositing in the deposit passbook, or the maximum use is made by presenting a deposit passbook with an increased remaining balance by depositing. A prepaid credit card with an increased limit is issued or another prepaid credit card is issued according to the increased deposit balance. The present invention relates to a commercial payment system using a prepaid credit card according to any one of the above aspects.

[0014]

BEST MODE FOR CARRYING OUT THE INVENTION An embodiment of the present invention (how to implement the invention) which is considered to be preferable will be briefly described with reference to the operation and effect thereof.

[0015] A prepaid credit card in which the maximum usage limit is set within the range of the deposit amount of the bankbook provided by the financial institution is issued.

[0016] This prepaid credit card is
As described above, the maximum usage limit is set within the range of the deposit amount in the passbook, so the payment is guaranteed by the deposit in the passbook, and therefore the payment is made when issuing the existing credit card. It is not necessary to perform an admission screening, etc., and any person with a deposited passbook can issue a prepaid credit card with a maximum usage limit within the range of the deposit amount become.

Therefore, a person who has not been able to own a credit card until now can easily own one with this prepaid credit card, and can use this prepaid credit card in various ways similar to conventional credit cards. Can be widely used for business transactions.

Therefore, even those who could not have a credit card and could not use commerce that required a credit card, such as Internet shopping,
Since the commercial transaction using the prepaid credit card becomes possible, the user class of the commercial transaction using the card is further expanded.

This prepaid credit card also has the risk of being stolen, making a copy card, or having the risk of stealing the card number, like the existing credit card. However, the maximum credit limit is that of the bankbook. The use of the prepaid credit card is less risky than existing credit cards, since it is limited to the range of the deposit amount and does not continue to cause significant damage.

Further, if a business transaction is made with this prepaid credit card, the maximum usage limit is set within the range of the deposit amount, so that it is never used too much to make it impossible to make a payment. Similarly, the amount of use is automatically debited and settled from the bankbook,
In this passbook, the settlement record of the commercial transaction is displayed.

In recent years, there have been many problems that a wife who has been assigned a household budget spends money and has a debt without her husband's knowledge. If you issue a prepaid credit card with the maximum usage limit set at 100,000 yen by deposit passbook held by you and deposit this 100,000 yen prepaid credit card with your wife as one month's living expenses, It will be absolutely possible to prevent my wife from wasting money and spending too much money, and the payment record of the prepaid credit card transaction is displayed in the passbook, so my husband looks at this payment record and Can also be managed.

Accordingly, an epoch-making commercial payment system using a prepaid credit card, which is extremely practical and extremely adaptable to such a modern social situation.

Also, for example, the prepaid credit card is configured so that the maximum credit limit can be selected within a range of at least 500,000 yen, or several types of maximum credit limit can be selected within a range of at least 500,000 yen. If the usage limit is set and it is possible to select from these several types of maximum usage limit, it is possible to select and set the optimum usage limit for individuals within the range of 500,000 yen or less. Yes, and the maximum usage limit is 500,000 yen at the maximum, so even if a prepaid credit card is stolen, a copy card is made, or the card number is stolen, the damage amount is 500,000 yen or less The risk of using this prepaid credit card is further reduced.

[0024]

[Embodiment] In this embodiment, a prepaid credit card in which the maximum usage limit is set within the range of the deposit amount of a passbook provided by a financial institution is issued, and business transactions are performed with the prepaid credit card. In the same way as the credit card settlement, the payment is automatically debited from the bankbook, and the bankbook is configured to display the settlement record of the commercial transaction. is there.

More specifically, the prepaid credit card is used in various business transactions such as storefronts, the Internet, and mail-order sales in the same manner as an existing credit card, by using a card affiliated with a credit card company. It is configured to be able to.

It should be noted that the prepaid credit card, like a conventional credit card, is used by a credit card company when a user makes a business transaction using the prepaid credit card. Will take a fee, and the amount deducted from this fee will be paid to retailers and mail order companies.

Further, it is considered that the company that issues the prepaid credit card and the passbook requests a fee from the consumer (a prepaid credit card user).

Therefore, in order to make the maximum usage limit of the prepaid credit card equal to the deposit amount, at least a commission paid to a company that issues the card and the passbook is added to the deposit passbook and the deposit is made. If this fee is not paid, it is estimated that the amount obtained by subtracting this fee from the deposit amount will be the maximum usage limit.

In this embodiment, since the maximum usage limit is set within the range of the deposit amount of the bankbook, the payment of the commercial transaction is guaranteed by the bankbook.
Therefore, it is not necessary to carry out an admission screening, etc., which is performed when issuing a credit card. A prepaid system that sets the maximum usage limit within the range of the deposit amount for anyone who has a deposited passbook Credit card can be issued.

Therefore, even a person who could not own a credit card until now can easily own a credit card of this prepaid type. Therefore,
Even a person who cannot own a credit card and cannot use a business transaction that requires a credit card, such as Internet shopping, can use the prepaid credit card to make a business transaction.

In addition, this prepaid credit card has a maximum usage limit of 500,000 yen or less, no matter how large the amount of money in the bankbook.

As described above, by setting the maximum usage limit to a small amount of 500,000 yen or less, even if a prepaid credit card is stolen, a copy card is made, or a card number is stolen, the amount of damage is reduced. Will be reduced to a maximum of 500,000 yen, and the risk of using this prepaid credit card will be much smaller than that of existing credit cards. Also, if this prepaid credit card is stolen or dropped,
A service may be provided such that the use of the prepaid credit card is stopped by sending a notification to that effect.

Further, the maximum usage limit of the prepaid credit card may be configured so that an arbitrary amount can be selected within a range of 500,000 yen or less, or a maximum usage limit of 500,000 yen or less. The limit is set in several types, for example, 30,000 yen, 50,000 yen, 100,000 yen, 300,000 yen, 500,000 yen, etc., so that it can be selected from these several types of maximum usage limits. May be.

If the maximum usage limit can be selected in this way, it becomes possible to set an optimum usage limit for an individual person, which is extremely practical.

After the prepaid credit card is issued, it may be structured so that money can be withdrawn from the bankbook as usual.
It may be configured such that a withdrawal can be made only by conducting a business transaction using the prepaid credit card.

In this embodiment, when a commercial transaction is made with this prepaid credit card, the transaction is immediately settled and the settlement record of this commercial transaction can be displayed on the bankbook.

Accordingly, in this commercial transaction using a prepaid credit card, since the maximum usage limit is set within the range of the deposit amount, there is no possibility that settlement will be impossible due to overuse, and the credit card will not be used. Similarly, the amount of use is automatically debited and settled immediately from the bankbook, and a settlement record of the commercial transaction can be displayed on the bankbook.

Further, the prepaid credit card may be issued as a set together with the passbook by depositing, or a prepaid credit card is issued on condition that the passbook is presented. In any case, since the bank passbook is handled, it is preferable to handle the bankbook at a financial institution such as a bank.

In the case where a prepaid credit card and a bankbook are issued as a set, for example, a transaction password for the prepaid credit card is determined in advance, and the bankbook is stored in the bankbook number. It is considered that the configuration in which the determination is made only by the operator can save labor in the office procedure.

Further, this prepaid credit card is configured to identify whether or not the card holder is the owner of the card by a personal identification number or a signature (signature) at the time of commercial transaction, like an existing credit card or debit card. .
It should be noted that, as in the case of a prepaid card such as a telephone card or a highway card, a configuration in which identification by a personal identification number or identification by a signature is unnecessary may be used. It is preferable because it is hard to use when it is stolen or stolen, and it is hard to damage.

Further, in this embodiment, even if there is no deposit in the bankbook, the prepaid credit card can be continuously used by depositing the bankbook again.

At this time, if the deposit is larger than the preset limit of the prepaid credit card, the selection limit is set again so that the preset limit of the prepaid credit card can be raised. You may be able to.

At this time, for example, the maximum usage limit of the prepaid credit card may be automatically increased by depositing the money into a bankbook, or the deposit may be increased by depositing the credit card. Another prepaid credit card whose maximum usage limit has been increased by presenting a passbook may be issued, or another prepaid credit card corresponding to the increased deposit may be issued.

[0044]

As described above, the present invention issues a prepaid credit card in which the maximum usage limit is set within the range of the deposit amount in the passbook, so that the payment for commercial transactions is guaranteed by the deposit in the passbook. As a result, there is no need to perform an enrollment screening, etc., which is performed when an existing credit card is issued, and any person who has a deposited passbook will be within the range of the deposit amount. , A prepaid credit card with a maximum usage limit set can be issued.

Therefore, even a person who has not been able to own a credit card until now can easily own one with this prepaid credit card, and thus cannot own a credit card, and is inevitably required to use a credit card for Internet shopping or the like. Even those who could not use the necessary commercial transactions can use the prepaid credit card to conduct commercial transactions, so that the user base of the commercial transactions using the card will be further expanded, and it is extremely practical. This is a revolutionary prepaid credit card payment system.

This prepaid credit card also has the risk of being stolen, making a copy card, or having the risk of stealing the card number, as in the case of the existing credit card. Because it is limited to the range of the deposit amount, it does not continue to be used and does not suffer great damage, the risk of using this prepaid credit card is very small compared to existing credit cards, and If you make a business transaction with this prepaid credit card, the maximum usage limit is set within the range of the deposit amount, so you will never use too much and you will not be able to make payments, like a credit card, The amount of use is automatically debited and settled, and this bankbook shows the settlement record of commercial transactions and ensures The quotient settlement system by Shigeru a prepaid credit card in a very practical, such as will be able to confirm the use situation.

Further, in the invention according to claim 2, 5
It is possible to select and set the maximum credit limit that is optimal for individuals within the range of less than ¥ 100,000. Since this maximum credit limit is up to ¥ 500,000, prepaid credit cards can be stolen. Even if you make a copy card or steal your card number, the damage amount will be reduced to 500,000 yen or less, and the risk of using this prepaid credit card will be further reduced, making it extremely practical. It becomes a commercial payment system using a prepaid credit card.

According to the third aspect of the present invention, when a prepaid credit card and a bankbook are issued as a set without prior examination, the prepaid credit card and the bankbook are exchanged. A commercial payment system using a prepaid credit card which is extremely practical and can be easily and reliably issued.

According to the fourth aspect of the present invention, the prepaid credit card can be continuously used by depositing again even if there is no deposit in the bankbook. It becomes a commercial settlement system using a credit card.

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Claims (4)

[Claims] 1. A prepaid credit card in which a maximum usage limit is set to a predetermined amount within a range of a deposit amount of a passbook provided by a financial institution, and a business transaction is performed with the prepaid credit card. A credit card payment is automatically debited from the bankbook, and a payment record of a commercial transaction is displayed in the bankbook. 2. The prepaid credit card is constructed so that a maximum credit limit can be selected within a range of at least 500,000 yen or at least 5 credits.
2. A prepaid credit card according to claim 1, wherein a plurality of maximum usage limits are set within a range of not more than 10,000 yen, and the maximum usage limit can be selected from the plurality of maximum usage limits. Commerce payment system. 3. The prepaid credit card is issued together with the bankbook by depositing, or a prepaid credit card is issued on condition that the bankbook is presented. The commercial payment system using a prepaid credit card according to any one of claims 1 and 2, characterized in that: 4. The maximum use limit of the prepaid credit card is automatically increased by depositing in the passbook, or the maximum use is made by presenting a passbook with an increased remaining balance by depositing. 2. A structure in which another prepaid credit card with an increased limit is issued or another prepaid credit card is issued according to the increased deposit balance.
4. A commercial settlement system using a prepaid credit card according to any one of the above-mentioned items.