JP2002099854A - Card settlement member store terminal, card settlement service system and card effectiveness judging method in card settlement - Google Patents

Abstract

PROBLEM TO BE SOLVED: To prevent fraudulent usage by someone other than the principal in a card settlement by a credit card, a prepaid card, a debit card or the like. SOLUTION: Schedule information is received from a plurality of information terminals, the information is managed by a schedule management server as a schedule per cashless card coordinated with the information terminal, and in regard to each card used in the member store terminal installed in a member store handling the card to sell merchandise using the card, effectiveness of the card used in the member store terminal is judged on the basis of the schedule at the time of a card approval managed by the schedule management server. Approval classification information is also set prohibiting or allowing all card approvals without performing the judgment by the schedule information.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a product using a cashless card such as a credit card, a prepaid card or a debit card (hereinafter simply referred to as a "cashless card"). The present invention relates to a card payment member store terminal that performs payment relating to sales (including provision of various services and sale of goods as goods), a card payment service system, and a card validity determination method in card payment.

[0002]

2. Description of the Related Art Recently, consumers have no cash.
A full-fledged cashless era, in which payment is made by postpaid or immediate payment cards or electronic money on the Web, is about to begin. In particular, the service provided by a debit card (formally referred to as a "J-DEBIT" card in Japan, but hereinafter simply referred to as a debit card) also has the convenience that a card of a financial institution can be used without any procedures. Rapid expansion is expected, January 1999
The service was started in some areas in March and started full-scale operation in March 2000, and it is expected that the card payment service will be available 24 hours 365 days anytime and anywhere.

[0003] In reality, there are financial institutions such as S bank and DK bank that can be used for 24 hours. Generally, 8: 0
It is available to all financial institutions from 0 to 21:00, and the time zone differs depending on the financial institution that issued the card (debit card).

[0004] Various retailers and various service providers prepare necessary facilities for handling cards, and collect payment for sold products and provided services through a network system for performing settlement corresponding to the cards. . The retailer that enables card payment using such a network system is hereinafter referred to as a “member store”. The required equipment prepared by the member store is positioned as a so-called network system terminal. In the following, “sale of goods” includes provision of services. Similarly, "purchase of goods" includes provision of services.

[0005] As an example of payment using a card, the "post-payment method" using a credit card has been widely used as described above. In this method, after a product is sold, a predetermined amount is debited from a designated account of a credit card holder of an issuing financial institution designated through a credit company that has issued a credit card, and a price related to the sale of the product is usually 1-2 times from the sale of the product. Paid after months.

[0006] On the other hand, payment using a prepaid card is performed by "payment in advance" method. By paying a predetermined amount to the merchant in advance,
The member store issues a prepaid card in which a predetermined amount is stored in a storage unit such as a magnet or an IC of the prepaid card, and each time a product is sold, the amount is updated by being reduced from the predetermined amount stored in the prepaid card. , Payment is made.

[0007] If the prepaid card balance is less than the price for receiving the service, a predetermined amount is newly paid to the member store, and the prepaid card balance is increased.

Such a prepaid card is particularly effective for refueling at a gas station or for paying a toll on an expressway, for example. As a payer, it is possible to pay for the purchase of goods without preparing cash every time. It is possible to quickly collect the value of merchandise sales without preparing a change, and it is possible to make effective use of funds by paying in advance. Note that the payment / collection of the consideration is not performed over the balance of the prepaid card, and therefore, even if the prepaid card is lost, the damage suffered by the owner is controlled by the balance of the prepaid card itself.

[0009] A debit card is positioned between the "prepayment method" and the "post-payment method", and the settlement of goods and services is performed by the so-called "immediate payment method".

[0010] A debit card is used to settle the price using a cash dispenser card issued by a financial institution, and means "immediate payment" which means "debit".
Is called a debit card. There is no issuance of the debit card itself (the debit card itself does not physically exist). However, in the following description, for example, it is expressed as "a financial institution that has issued a debit card", which means a financial institution that has issued a card treated as a debit card.

When a merchant sells merchandise, the card held by the purchaser who wishes to purchase the merchandise is inserted into the terminal of the merchant as a debit card, and the purchaser is delivered to the financial institution of the card. Entering the password into the terminal and entering the price for merchandise sales at the merchant, the purchaser's financial institution account corresponding to the card is immediately The sales price is deducted. Then, payment processing is performed on the financial institution account designated for each member store within 2 to 3 days at the latest.

There are the following advantages in the member stores, such as a purchaser who is a user, a retail business, and a service provider.
In other words, if you are a credit card or debit card member store, you can purchase products without carrying cash anywhere, and with a debit card, you do not need to issue a new card, you can open a new bank account By using the corresponding card easily, it is possible to pay for the purchase of goods within the range of the balance or credit of the bank account. In addition, since the settlement price is transferred to an account designated immediately or in a postpaid manner, it is possible to quickly, reliably, and efficiently collect the price of the sold product, and furthermore, it is possible to increase sales by making it difficult to miss sales opportunities.

[0013] The Nikkei Internet BIZTECH NEWS dated August 28, 2000, entitled "Six Major Credit Companies Cooperate in Mobile Payment Method" on August 25, 2000. A consortium was established with the aim of promoting the use of "PKICC," a method for making secure payments using credit cards on smartphones and game consoles. PKICC issues digital certificates to devices such as mobile phones in advance, and
This is a method that enhances the security of settlement by mutual authentication between the EC (electronic commerce) site and the settlement center. The digital certificates to be distributed to mobile phones and the like are shared by each credit company, but the consortium also creates rules for operating a CA (certificate authority) system for distributing these certificates. There is also an attempt to increase the security of settlement by distributing digital certificates to mobile phones and game machines in advance.

[0014]

However, in the card payment service system or the card business providing system for paying for the purchase of a product by a card as described above, various cards are held by the card owner himself, and the card is owned by the card owner. System or business based on the assumption that the payment is deducted from the financial institution account of the buyer who owns the card only when paying for the purchase of the merchandise itself. It is a provision method.

[0015] Generally, signature confirmation is used to assert that the owner of the card as seen in credit cards and the like. In order to satisfy the above, various devices as described below have been devised.

For example, the member store, CAFIS to be described later
Payment settlement information transmitted between centers and clearing centers is treated to ensure security by advanced encryption, and when a customer enters a password during card payment to pay for product purchases. In order to prevent the password entered by the purchaser from being seen from the member store side, the terminal for settlement is palm-sized or a separate terminal for entering the password is attached. Further, as disclosed in JP-A-09-330453 and JP-A-10-69463, a retinal pattern read from a retinal pattern reader and an ID of a purchaser are used by using a retinal pattern unique to each purchaser. There is also an attempt to verify the identity of the purchaser by losing the card by verifying the identity with the number.

[0017] All of the above-described devices for confirming the identity are intended to provide means for confirming whether or not the user is the identity at the time of payment for paying for the purchase of the goods by card.

[0018] However, a password can be sniffed, a terminal input can be eavesdropped, or an identification number (for example, an account number of a corresponding financial institution or a credit card, By deciphering the credit number) and the password using a special system, the so-called password is very easily clarified, etc., and it is determined that the user is the only one who can input the password correctly. That is premature.

Further, even if an attempt is made to ensure security by highly encrypting, the encryption is decrypted by a further encryption technique, and a fictitious commodity price is exploited by misusing a card number or password left in a retail terminal. In some cases, users may be charged for services and services provided. Some of the purchasers may use one card by their family or the like, so that the matching based on the retinal pattern may not be available.

In particular, in a card settlement service using a debit card, since a card in a financial institution account can be used as a debit card without performing a new registration procedure, the following serious problems occur for purchasers who have lost the card. Get up. An anniversary, such as the birthday of the person, is often assigned to the password of the card in terms of ease of storage, and the anniversary may be investigated or guessed. In addition, since the number is a four-digit number, the password can be determined by repeating trial and error at most 9999 times, and if the date is a date, the password can be determined in any of 365 days. Alternatively, the password can be easily found by reading information stored on the card. The card itself may be illegally reissued based on various numbers printed in a transaction statement issued when cash is withdrawn from a financial institution using a card.

In this way, the advantage that the debit card is settled immediately is that if the card is flipped over and the user has not noticed the loss of the card, and if two or three days have passed, the deposit balance in the corresponding financial institution account will not be the same. However, the above advantages are disadvantages including a great danger.

In the above-described method of issuing a digital certificate to a mobile phone, the card itself is not authenticated. Therefore, the corresponding mobile phone must be always held together with the card. If you hold it, it will be digitally authenticated. In other words, contrary to the intention of the card holder, there is no denying that the card may be illegally used for card payment for the purchase of goods.

The present invention has been made in view of such circumstances, and provides a card payment member store terminal, a card payment service system, and a card validity determination method in card payment which solve the following problems. It was made for the purpose of.

First, an ID number for identifying various cards such as a credit card, a prepaid card, a debit card, and the like, and a password relating to the card are decrypted and illegally copied, or the decrypted password is inputted to enter the owner of the card. To prevent unauthorized use by a third party other than the third party. Then, even if the user does not notice the loss or theft of the card, it is possible to avoid a situation in which the deposit in the designated account of the financial institution related to the card has been lost.

Further, in addition to preventing such unauthorized use, the card owner himself / herself sets a limit on the use of card payment using a cashless card. It is also possible to control the card payment by self-control.

[0026]

SUMMARY OF THE INVENTION The present invention relates to a card settlement service having a schedule management server for managing schedule information transmitted from a plurality of information terminals as a schedule database for each cashless card specified from the information terminals. A card settlement category that determines whether card settlement is prohibited or permitted according to the schedule information at the time of card settlement, or whether card settlement is prohibited or permitted regardless of the schedule information at the time of card settlement. Information is provided for each card, and at a member store terminal that is installed at a member store that handles the card and sells goods using the card, the card payment classification information related to the card is queried, and the card payment classification information is Depending on the schedule information at the time of card payment, card payment may be prohibited Further query the schedule information at the time of card settlement when it is intended to allow, with a settlement time information inquiry means.

Further, in the card validity judgment method in the card settlement for merchandise sales using a cashless card, schedule information transmitted from a plurality of information terminals is set as a schedule database for each card specified from the information terminals. The management server manages and prohibits or permits card payment according to the schedule information at the time of card payment provided for each card, or prohibits or permits card payment regardless of the schedule information at the time of card payment. Card payment classification information to determine whether to perform, and if the card approval classification information is to prohibit or permit card payment according to the schedule information at the time of card payment, further the schedule information at the time of card payment, Card installed at the member store that handles the card Depending on the inquiry from the member store terminal that performs product sales using, sent as information for determining the card validity to the member store terminal.

[0028] A schedule management server that manages schedule information transmitted from a plurality of information terminals as a schedule database for each cashless card specified from the information terminals is connected to a network and installed at a member store that handles the cards. A card settlement member store terminal for performing card settlement for merchandise sales, wherein card settlement is prohibited or permitted according to schedule information at the time of card settlement provided for each card, Inquires about card payment classification information to determine whether to prohibit or permit card payment, and if the card approval classification information prohibits or permits card payment according to the schedule information at the time of card payment Further, the schedule information at the time of card settlement is referred to. , Settlement-time information inquiry means are provided,
The card settlement is performed using the inquiry result by the settlement information inquiring means.

A card settlement service system having a schedule management server for managing schedule information transmitted from a plurality of information terminals as a schedule database for each cashless card specified from the information terminals, the card settlement service system comprising: Prohibiting or permitting card payment according to the schedule information, or prohibiting or permitting card payment regardless of the schedule information at the time of card payment, providing card payment classification information for each card, According to a member store terminal installed at a member store that handles the card and selling goods using the card, the card settlement section information related to the card and the card settlement section information are set according to schedule information at the time of card settlement. If the payment is prohibited or permitted With said scheduling information at the time of the card settlement, based on the card validity determination means for determining the card validity during card settlement related to the card.

[0030] In a card validity determination method in card payment for merchandise sales using a cashless card, schedule information transmitted from a plurality of information terminals is managed as a schedule database for each card specified from the information terminals. The server manages and prohibits or permits card settlement according to schedule information for card settlement provided for each card, or inhibits or permits card settlement regardless of schedule information for card settlement. The card payment classification information for determining whether or not, and if the card approval classification information prohibits or permits card payment according to the schedule information at the time of card payment, further the schedule information at the time of card payment, Cards installed at merchants that handle cards The merchant terminal that performs the product sales, to send as information to determine the card validity.

A schedule management server that manages schedule information transmitted from a plurality of information terminals as a schedule database for each cashless card specified from the information terminals is connected to a network, and is installed in a member store that handles the cards. A card payment franchise terminal for performing card payment for sale, wherein card payment is prohibited or permitted according to schedule information at the time of card payment provided for each card, or regardless of schedule information at the time of card payment Card payment classification information that determines whether to prohibit or permit card payment, and if the card approval classification information prohibits or permits card payment according to the schedule information at the time of card payment, further card payment Based on the schedule information at the time The card validity determination result of the determination of the card payment when the card validity of the card, received from the schedule management server has a card payment means which performs card settlement in accordance with the card validity determination result.

Further, it is connected to a schedule management server that manages schedule information transmitted from a plurality of information terminals as a schedule database for each cashless card specified from the information terminals, and is installed in a member store that handles the cards. A card settlement member store terminal for performing card settlement for merchandise sales, wherein card settlement is prohibited or permitted according to schedule information at the time of card settlement provided for each card, If the card payment classification information that determines whether to prohibit or permit the card payment, and if the card approval classification information prohibits or permits the card payment according to the schedule information at the time of card payment, furthermore, Based on the schedule information at the time of card payment Has card validity determination means for determining the card validity during card settlement according to the card,
The card settlement is performed using the judgment result by the means.

A schedule database for judging the validity of the card is managed by using a schedule management function in groupware for sharing network communication, and the information terminal is a portable terminal capable of using the schedule management function. Phone or NWPC.

The validity of the card at the time of card settlement is determined based on whether or not the contents of the schedule information at the time of card settlement relating to the card include a predetermined keyword for permitting card settlement.

"Schedule information" used above
May be any one of a day, a week, a month, and a year, and can select an optimal schedule for a cardholder's life work.

[0036]

DETAILED DESCRIPTION OF THE INVENTION "C" used in the following examples
AFIS Center "is the Credit And Fin
is an abbreviation for "Ance Information System", which refers to a shared-use network provided by NTT DATA Corporation.
Distribution companies, financial institutions, affiliated stores, etc. are nationwide ON-
It is connected via LINE and is mainly used for credit inquiry (also called credit) and sales management.

The "clearing center" is the "C"
AFIS Center "is a so-called information centralization center that centrally manages the payment information for the purpose of receiving transaction information related to credit and debit from the AFIS center as payment information and smoothing the flow of funds based on such information.
The card issuing financial institution receives the result of the transfer deducted from the user's account, collects and offsets such data, and transmits the data after deducting the commission of the financial institution to the settlement financial institution. Under such circumstances, it is called a clearing center (due to having a function of canceling out or totalizing payment information).

FIG. 1 is an example of the present invention, and is a block diagram showing a configuration of a wide area network in the embodiment.

The member store terminal 1 inputs a card number for identifying the card, a card reader for reading the contents of the card stored on the card such as a password for certifying the owner, and a password and a sales amount. It has a key input unit and is configured to be able to access an authentication / credit server 2 such as a CAFIS center in order to obtain credit card or debit card authentication or credit information via a communication line (whether wired or wireless). I have. The member store terminal 1 is also configured to be able to access a schedule management server 3 described later via a communication line. In this case, the schedule management server 3 is accessed with the card number and the password to obtain necessary information.

When the member store terminal 1 has a schedule management function in groupware for sharing network communication in the schedule management server 3,
An e-mail address (hereinafter, e-mail address (Internet e-mail address) is simply referred to as IMA) and a password are transmitted using the groupware on the WEB, and the contents of the schedule registered in the e-mail address corresponding to the card payment are acquired. .

On the other hand, when the schedule management server 3 manages using the schedule management function in the groupware for sharing network communication, schedule information is obtained as follows.

First, the card number and the password are transmitted from the member store terminal 1 to the schedule management server 3, and the schedule management server 3 refers to the correspondence table described later in the schedule management server 3 from the card number and the password to find the relevant IMA. Determine that password.

Next, the user specifies the IMA and the password and accesses a server having a corresponding groupware schedule database to obtain schedule information corresponding to card settlement.

In the schedule management server 3, the password of the card number, the IMA related to the card number specified in advance, and the password are stored in the schedule management server 3 as shown in FIG. It is stored in list format.

FIG. 8A shows an example of items in the schedule database managed by the schedule management server 3. If these items differ in groupware according to the purpose of the database, the items to be managed are flexibly changed. What is essential in the present invention is the items related to the date and time, the subject, and the contents (schedule contents) in FIG.

FIG. 8B shows an example of a card settlement category for each card managed by the schedule management server 3. In the present embodiment, such classification is set for each cashless card used for card settlement, and setting registration can be performed in the same manner as general schedule information on a screen for setting and registering a schedule database in network communication as described later. It is.

The card settlement category is, for example, Visual
Basic (Microsoft Visual Bass)
ic Programming system is Micros
(registered trademark of Microsoft Corporation) using a “control” representing a binary state such as a check box or an option button.
In the screen examples in FIGS. 3, 4, and 5 described later, the check box of the “control” is used. If the groupware is different according to the purpose of the database, the items to be managed are flexibly changed. FIG. 8 is essential for the present invention.
Among them are items related to date and time, subject, and contents (schedule contents).

The authentication credit server 2 is configured to be able to access the clearing center 4 and the database servers 501, 502, 503,... Of the credit companies (hereinafter referred to as a credit company DB server 5) via a communication line. .

General subscriber telephones, portable terminals (mobile phones, PH
S, or PDA such as mobile or palm (not shown)
) And a PC connected to the network (NW
Communication terminals such as PCs) are collectively referred to as information terminals 6.
The information terminal 6 is generally a terminal for each cardholder, and is a terminal capable of changing the setting as required by the cardholder at any time.

In recent years, portable telephones equipped with functions that allow browsing and replying to e-mails, confirming schedules, and the like have begun to spread. For example, there is a mobile phone equipped with a function related to an “i-mode” compatible mobile phone provided by NTT Mobile Communication Network Corporation (hereinafter referred to as NTT DoCoMo).

This function is provided, for example, by a mobile phone compatible with “i-mode” which is an online service of NTT DOCOMO and Mic.
Microsoft Exchange Exchange Server (Mic
Microsoft Exchange (registered trademark of Microsoft Corporation) is a function realized through gateway software “iLook” for mobile phones developed by NTT DoCoMo.
It is fully conceivable that S will be granted in the future,
Schedule management, which is part of the communication management function of the PC, is expected to be realized in ordinary telephones in the future.

The schedule management server 3 stores information specific to the card owner for each information terminal 6 (card identification ID).
Card number, password, etc.), and manages a schedule database in the server, or manages the IMA and password of the groupware related to the schedule management software of the information terminal 6 together with the unique information, and The schedule database is made available.

In the embodiment of the present invention, the member store terminal 1
In response to an inquiry from the user, the content of the schedule database of the groupware corresponding to the card can be accessed and acquired on the WEB in order to obtain the corresponding IMA and password from the unique information. Shall be.

The IMA and the password corresponding to the unique information are initially registered at the time of card creation, but when the setting is changed thereafter, a credit card company, a debit card financial institution, or a company under the jurisdiction of the schedule management server 3 Use a method such as writing or e-mail to ensure the identity of the user.

The schedule management server 3 transmits the schedule at the time of card settlement among the acquired schedule contents to the affiliated store terminal 1, and the affiliated store terminal 1 performs the card settlement based on the transmitted schedule. Judge card validity as the will of the cardholder. As will be described later, the card validity is determined in any of the member store terminal 1, the schedule management server 3, and the clerk of the member store terminal.

Regarding the determination of the validity, of the schedule contents acquired by the schedule management server 3, based on the schedule at the time of card settlement,
It is also possible for the schedule management server 3 to determine the validity of the card as the intention of the card holder in the card payment, and to transmit the result of the determination to the member store terminal 1. It is not necessary to have a means for determining the card validity according to the schedule.

In this embodiment, the schedule management server 3 has been described as adopting the above method of accessing the schedule database of groupware on the WEB. It may have a schedule database.

In this case, the schedule management server 3 includes schedule management software. Then, the member store terminal 1 accesses the schedule management server 3 as groupware for managing the schedule on the information terminal 6 corresponding to the owner of the card on the WEB using the IMA and the password on the WEB, thereby performing the card settlement. The schedule at the time of card settlement of the card holder is acquired. The member store terminal determines the validity of the card as the intention of the card holder in the card payment based on the acquired schedule.

In the information terminal 6, appropriate groupware including a schedule management function is provided by the card holder through the WEB.
The above is determined, the IMA and the password are obtained, and a future schedule relating to the card payment of the card holder is scheduled.

FIGS. 3, 4, and 5 show screens used in the groupware schedule management function. For example, the user operates the information terminal 6 to input an IMA and a password, and displays a schedule screen on the WEB of the mail address. Such screen displays are displayed weekly, monthly,
The display can be made on a yearly basis, and a regular schedule can be set by using a repetitive function that the groupware normally has. Various schedules for card settlement at the corresponding date and time in this screen are set.

FIGS. 3, 4 and 5 show that card settlement is prohibited or permitted irrespective of schedule information at the time of card settlement, or card settlement is prohibited according to the schedule information at the time of card settlement. Or, "control" of three check boxes is displayed to set and register the card payment category for controlling whether to permit or not, and each check box is checked if the corresponding attribute is valid. The settings are determined. The check is switched with / without each click by clicking the rectangular portion of the check box with a pointing device such as a mouse.

There are three check boxes,
Only one of the check boxes of “permit card payment”, “prohibit card payment”, and “permit / prohibit card payment according to schedule” can be checked.

Regardless of which of these check boxes is checked, the schedule information of the card can be changed at any time. For example, it is not necessary to disable the setting change of the schedule information even if the check box of “Card settlement prohibited” is checked.

The schedule management server 3 may be included in the authentication credit server 2, the clearing center 4, or each credit company DB server 5. Alternatively, by utilizing the fact that the member store terminal 1 can access the schedule management server 3, “access from the member store terminal 1 to the authentication credit server 2” is performed instead of “the schedule management server 3 to the authentication credit server 2. In this way, the terminal devices of the affiliated stores are grouped, and the schedule management server 3 is used as an “intermediate server to the authentication and credit server 2 that is in charge of one of the groups”. By doing so, the authentication credit server 2
This has the effect of decentralizing centralized access from member store terminals to the store.

The schedule management server 3 has an information terminal 6
By using the schedule management function of the groupware using the network communication, the schedule change function of the groupware using the network communication is used to access the schedule corresponding to the information terminal to the schedule database of the groupware via the Internet. Can be input, and the schedule management server 3 does not need to store each schedule for each information terminal.

The IMA is not necessarily limited to a paid mail address provided by an Internet provider. Provided to users by telecommunications carriers that manage various DB servers and search engines,
In the free mail service operated above, it is also possible to use a free mail address assigned to an individual.

In particular, the free mail address should not be used as a mail address for sending and receiving mails, and information to be collected and confirmed through the Internet is distributed from the provider (from the information terminal 6 side of NWPC, mail is received only from the provider). It is possible to set up the schedule management server very safely without the free email address being known to anyone other than the provider concerned.
In 3, the schedule of its own information terminal can be controlled.

The schedule management function of such groupware is a schedule database as a function included in groupware such as Exchange of Microsoft Corporation, StarOffice and Cybozu Office of NEC Corporation, CLUBA & A of Asahi Shimbun, and Calender of Yahoo Japan Corporation. Is feasible.

The groupware including these schedule management functions includes those that can be accessed from a Web browser and those that have functions on a Web server. Schedule management that is not limited to a specific information terminal 6 is possible. . In particular, by using free groupware described later among these groupwares, it is possible to operate a groupware schedule database limited to only card schedules.

In order to send mail from the information terminal 6 by Internet mail in the case of free groupware, the information terminal 6 may be an information terminal of another person such as the member store terminal 1 or the nearest NWPC, and the schedule may be set anytime and anywhere. Make changes easier.

The schedule information transmitted from the information terminal 6 is the information of the owner of the information terminal 6, for example, “XX
I will go shopping from XX to XX on the month XX. Or "XX month XX day XX time-I sleep!"
Or "A visitor from XX / XX / XX / XX to XX / PM" is freely scheduled (these date and time can be repeatedly set), and the content is not particularly limited. These pieces of schedule information are used as schedule information in the schedule management server 3.

The content of the stored schedule information is a schedule for each card owner, and respects the will of the card owner for the card corresponding to the information terminal,
The validity of the card is determined.

By the way, the schedule of the card holder is a card holder (a person who holds (holds) the card so as to settle the card at the time of purchase of the product. The card holder is strictly speaking of the ownership of the card. Is located at the financial institution or credit company that issues the card, but the card holder has the exclusive right to use the card).

This schedule is a schedule which has been set by the owner of the card and the information terminal 6 at the same time by his / her own will, and the information is transmitted from the information terminal 6 of the card owner to the schedule management server 3. By doing so, it can be changed at any time. If the schedule is set to “schedule not using a card” and the schedule is confirmed by the schedule management server 3, even if an attempt is made to illegally use the related card, the authentication credit information is sent to the authentication credit server 2. The use of the card is forbidden prior to inquiring of the card, as the cardholder does not intend to make a card payment.

In order to judge that this schedule does not use a card, it is necessary to make rules for a plurality of predetermined keywords in advance and check whether the keywords are included in the schedule contents. . The keyword may be set as a rule for each IMA, or may be operated with the same rule as a whole.

For example, it is conceivable to make a keyword into a rule so as to include words meaning to permit card settlement such as “shopping” and “shopping”. It is also conceivable to display the contents of the cardholder's e-mail on the screen at the member store terminal, ask the cardholder about today's schedule, judge the response, judge the validity, and perform the card settlement. .

By transmitting the information from the information terminal 6 of the card owner, the schedule can be reset to a state where the related card can be used at any time. The schedule is set to a state where the card can be used, and
If the schedule is set to a state in which the card cannot be used again after the purchase of the product, even if the card is left behind at the merchandise store after the purchase of the product, the card can be prevented from being illegally used. .

Next, a procedure in which the card holder sets his or her own schedule in the IMA schedule database as enabling or disabling card settlement will be described with reference to the flowchart of FIG. Each step showing the procedure is described in the S immediately below unless a step to be performed is indicated.
It shall proceed to TEP.

In STEP 601, “NN” is set as the IMA in the schedule database of the groupware on the WEB.
Access by entering "NNNN.CO.JP" and password "PPPP". When the access is accepted, a weekly, monthly, or yearly schedule screen as shown in FIGS. 3, 4, and 5 is displayed.

In STEP 602, 3 displayed on the screen
By checking one of the two check boxes, the card settlement category can be changed. When any one of them is changed, the card payment section (the contents of the three check boxes shown in FIG. 8B and indicating only the presence or absence of the check) of the card is changed according to the change. .

If there is schedule information to be further input, the corresponding date and time are specified on the screen. If a date and time for which a schedule has already been input is specified, the contents of each item are displayed to change the schedule. If a date and time for which a schedule has not been input is specified, a screen in which the content of each item is blank is displayed.

At STEP 603, the contents of each item on the schedule input screen displayed at STEP 602 are set. For example, in STEP 602, Wednesday, September 06
The schedule is specified and the possibility of card payment is set. For example, "work at Nagoya Head Office" is set as the schedule for Wednesday, September 06, and the time is set as an all day and saved, so that the schedule is set in the schedule database of the IMA. In addition, this schedule is set in September, 10
The month can be set as the same schedule every Wednesday, so that a total of eight schedules corresponding to Wednesday in September and October can be set together. Further, for example, a schedule on September 10 is designated, and “celebration shopping with an anniversary with my wife” is input, and the time is input as “13:00 to 17:00”. Book S
In the TEP, the repetition setting function is not used.

If the schedule content item is not changed, the processing of this flowchart ends.

In STEP 604, it is specified whether the schedule input in STEP 603 is a schedule for card payment (permitted) or a schedule for which card payment is not desired (prohibited). The process proceeds to STEP 605 if the designation is prohibited, and proceeds to STEP 607 if the designation is permitted.

In STEP 605, assuming that a schedule for prohibiting card settlement has been input, the contents of the schedule are examined to confirm whether or not a keyword for permitting card settlement is included, as described in the above-mentioned rule making of keywords. If no keyword is included as a result of the confirmation, the process proceeds to STEP609.

In STEP 606, a warning message such as "The card payment is permitted is included" or "Card payment is permitted" is displayed on the screen.
Returning to STEP 603, the user is prompted to re-enter the currently input schedule.

In STEP 607, assuming that a schedule for permitting card payment has been input, as described in the rule making of the keyword, the schedule is examined to check whether a keyword for permitting card payment is included. If no keyword is included as a result of the confirmation, the process proceeds to STEP609.

In STEP 608, a warning message such as "Keyword for permitting card payment is not included" or "Card payment is not permitted" is displayed on the screen, and the process returns to STEP 603, where the schedule entered this time is displayed. Prompt for re-entry.

In STEP 609, STEP 602 is again executed.
Return to the same weekly, monthly or yearly schedule screen as above, check the entire schedule including the schedule entered this time, and log out of the displayed schedule management screen.

With the series of processes, the schedule setting in September and October including the intention of the card holder is completed.

Next, assuming that the card holder has set his / her own schedule in the schedule database of the groupware relating to the IMA as shown in the example of the flowchart in FIG. 6, the schedule is referred to at the member store terminal of the card settlement. The procedure for confirming the intention of the cardholder at the time of card payment by using the schedule management function of the groupware when it is determined whether the card payment is possible will be described with reference to the flowchart of FIG.

[0092] In STEP 701, the card holder visits a member store in order to purchase goods by card payment,
It is assumed that a card has been inserted into the member store terminal 1. The member store terminal 1 transmits the card number and the password to the schedule management server 3 via the network.

In STEP 702, the IMA corresponding to the card number stored inside the schedule management server 3
And search for and retrieve. By accessing the groupware on the WEB by designating the IMA and the password, the schedule contents corresponding to the card settlement date and the card settlement category of the card are acquired from the contents of the schedule database of the IMA related to the card.

In STEP 703, if the card payment is first permitted according to the card payment classification acquired in STEP 702, the card payment is permitted and the processing in STEP 7 is performed.
Go to 05. In addition, if card payment is prohibited by the card payment category, card payment is prohibited and STE
Proceed to P704. If the card payment category is permitted or prohibited depending on the schedule,
Based on the schedule content of the settlement date, it is determined whether or not a keyword that permits card settlement is included therein. Acceptable keywords are shopping, shopping,
This is a word which is presumed to be clearly settled by a card such as a business trip, and such a keyword is a rule which is previously defined as a predetermined word. As a result of the determination, if the keyword is not included, the process proceeds to STEP 704, and if the keyword is included, the process proceeds to STEP 705.

In STEP 704, since the card owner does not intend to make a card payment, information such as a status and a message is transmitted from the schedule management server 3 to the member store terminal 1 in order to deny the validity of the card payment. Since the information is transmitted, the member store terminal 1 displays the information on the screen (for example, rejects the card settlement such as “this card cannot be used” or “this card is not permitted” on the member store terminal 1). Message is displayed), the product sale by card payment is stopped for the cardholder, and the processing of this flowchart ends.

In STEP 705, it is determined that the cardholder's intention is to make a payment by card, and the member store terminal 1 inquires the authentication credit server 2 about credit information such as the passbook balance and the credit limit of the card. The authentication and credit server 2 further checks the corresponding credit company according to the card.

At STEP 706, the result of the inquiry at STEP 705 is judged.
07, otherwise proceeds to STEP 704 and ends the processing of this flowchart as a result.

At STEP 707, information necessary for the transaction is transmitted to the authentication and credit server 2, and the sales process proceeds. Also, necessary information is transmitted to the corresponding credit company 5 and clearing center 4.

At STEP 708, the settlement financial institution of the card issuing financial institution is instructed to transfer the corresponding amount to the designated financial institution of the member store. The transfer will be same-day settlement or post-payment settlement depending on the type of the card. The process of this flowchart ends.

According to the flowcharts shown in FIGS. 6 and 7, when the card holder tries to make a payment by making a cashless purchase of the merchandise, the intention of the card holder to use the card is always determined by the group. It is confirmed by referring to the software schedule database.

Therefore, if the card owner does not include the keyword for permitting the card payment with respect to the groupware schedule relating to his / her IMA (extremely speaking, the schedule may not be input and set at all). ), It is not used for card settlement against the will of the cardholder, and the above operation is performed by changing the schedule database from the information terminal 6 even if the cardholder does not have the card. Yes, and at the discretion of the owner of the card,
It is possible to control whether or not to use card payment.

For example, assuming the examples in the flowcharts of FIGS.
23456 "), the purchase of the product is considered, and the progress up to the purchase of the product will be traced.

At the time of joining the card, the number “123456” of the card owned by the user and the IMA and IM used
It is assumed that the password of A is registered in the schedule management server.

[0104] The day of purchasing the product is September 1
On day 0, we actually went shopping in the afternoon of this day, and finished purchasing products using card payment.
At 9 o'clock, you return home and notice that you have lost your card.

However, without panic, when the information terminal displays the contents of the schedule database relating to its own IMA, it is confirmed that it is scheduled to have no intention of card payment today after 18:00. And sleep tonight with peace of mind. All you have to do is remember the location of the card the next day.

If you do not remember, do not panic, and if you do not come out, you only need to reissue a card with a different number, and there is no damage because other people do not use illegally. The only damage is the reissue fee.
This fee can be eliminated by changing the card company.

However, for a new card, the corresponding I
The MA is newly acquired using, for example, free mail of groupware, and the administrator of the schedule management server 3 is notified in writing that the card settlement will be performed using the new card and the new IMA in the future. If all the old IMA schedules for the old card are deleted, there is no danger of card settlement with the old card.

In the above embodiment, the schedule management server 3 updates the schedule of the card owner by using the schedule database of the groupware. However, it is also possible to simply send an e-mail, analyze the contents according to a predetermined format, and update the schedule as the contents of the card owner, thereby enabling the schedule to be updated via the groupware schedule database. Instead, an electronic mail may be simply received to construct a similar schedule database.

[0109]

As described above, according to the present invention, the owner of the card, not the card holder, can change his / her intention in the schedule management server at any time. It is not necessary to submit a notification, and it is possible to easily control the card payment intention from the information terminal, and the card is used for product purchase payment only when the card payment is indicated by the user's own will. Therefore, it is possible to always maintain a sense of security that the card will not be used without permission.

Therefore, it is expected that the amount of insurance related to unauthorized use of the card is kept low, which contributes to rapid expansion of the card. Furthermore, the card owner himself / herself limits the use of card payment using a cashless card, and when the amount of card payment reaches a certain amount or more, the information terminal controls the above schedule from the information terminal itself to make card payment. There is an effect that it is also possible to restrain yourself.

The schedule of the IMA corresponding to the card can be set by using a personal computer connected to the network and using free mail on the Internet, so that the terminal can be used not only for the information terminal of the card owner but also for the card settlement member store terminal or the nearest network PC Thus, there is an effect that the schedule referred to by the schedule management server can be easily changed at any time.

[Brief description of the drawings]

FIG. 1 is a block diagram showing a wide area network configuration of the present invention.

FIG. 2 is a schematic diagram showing a card number and its password, an IMA and its password for each information terminal managed as a database of the present invention.

FIG. 3 is an example of a weekly screen for inputting and setting schedule contents from the information terminal of the present invention.

FIG. 4 is an example of a monthly screen for inputting and setting schedule contents from the information terminal of the present invention.

FIG. 5 is an example of a screen for inputting and setting schedule contents from the information terminal of the present invention in units of months.

FIG. 6 is a diagram showing an example in which a card holder sets his / her schedule as a card settlement possible or impossible from an information terminal of the present invention.
6 is a flowchart showing a procedure for setting a schedule database in A.

FIG. 7 is a flowchart showing a procedure for confirming a cardholder's intention by referring to a cardholder's schedule database input from the information terminal of the present invention.

FIG. 8 is a schematic diagram showing schedule content items and card payment classification information input from the information terminal of the present invention.

 ──────────────────────────────────────────────────続 き Continuing from the front page (72) Inventor Masao Nakata 2-5-5 Keihanhondori, Moriguchi-shi, Osaka F-term in Sanyo Electric Co., Ltd. 3E042 CC03 CD08 5B049 AA05 BB46 CC39 DD04 FF01 GG02 GG03 GG06 5B055 CB00 CB09 JJ03 JJ05 KK00

Claims (13)

[Claims] 1. A card settlement service system having a schedule management server for managing schedule information transmitted from a plurality of information terminals as a schedule database for each cashless card specified from the information terminals, wherein the card settlement service system includes: Card payment classification information for determining whether to prohibit or permit card payment according to the schedule information of the card, or to prohibit or permit card payment regardless of the schedule information at the time of card payment is provided for each card. In a member store terminal that is installed in a member store that handles the card and sells goods using the card, the card payment classification information related to the card is queried, and the card payment classification information is set according to the schedule information at the time of card payment. Where card payments are prohibited or permitted Further query the schedule information at the time of card settlement is to have a payment time information inquiry unit, card payment service system. 2. A method for determining card validity in card payment for merchandise sales using a cashless card, wherein schedule information transmitted from a plurality of information terminals is used as a schedule database for each card specified by the information terminals. Managed by a schedule management server, provided for each card, to prohibit or permit card payment according to the schedule information at the time of card payment, or to prohibit card payment regardless of the schedule information at the time of card payment; or The card payment classification information for determining whether to permit the card, and if the card approval classification information prohibits or permits the card payment in accordance with the schedule information for the card payment, further includes the schedule information for the card payment. , The card installed at the merchant that handles the card Depending on the inquiry from the member store terminal that performs product sales that use, and transmits the information to determine the card validity to the member store terminal, card validity determination method in the card payment. 3. A network connected to a schedule management server that manages schedule information transmitted from a plurality of information terminals as a schedule database for each cashless card specified from the information terminals, and is installed at a member store that handles the cards. A card payment member store terminal that performs card payment for product sales, and prohibits or permits card payment according to the schedule information at the time of card payment provided for each card, or sets the schedule information at the time of card payment. Regardless, the card payment classification information that determines whether to prohibit or permit card payment is queried, and if the card approval classification information prohibits or permits card payment according to the schedule information at the time of card payment, Further queries the schedule information at the time of card payment, Completion time information inquiry means are provided, performs card settlement using a query result by the settlement time information inquiry unit, card payment merchant terminal. 4. A card settlement service system having a schedule management server for managing schedule information transmitted from a plurality of information terminals as a schedule database for each cashless card specified from the information terminals, wherein the card settlement service system includes: Card payment classification information for determining whether to prohibit or permit card payment according to the schedule information of the card, or to prohibit or permit card payment regardless of the schedule information at the time of card payment is provided for each card. According to a member store terminal that is installed in a member store that handles the card and that sells products using the card, the card payment classification information related to the card and the card payment classification information are determined according to schedule information at the time of card payment. If the card payment is prohibited or permitted, It said schedule information at the time of the card settlement, based on, has a card validity determination means for determining the card validity during card settlement according to the card, the card payment service system. 5. A card validity determination method in card settlement for merchandise sales using a cashless card, wherein schedule information transmitted from a plurality of information terminals is used as a schedule database for each card specified from the information terminals. Managed by a schedule management server, provided for each card, to prohibit or permit card payment according to the schedule information at the time of card payment, or to prohibit card payment regardless of the schedule information at the time of card payment; or The card payment classification information for determining whether to permit the card, and if the card approval classification information prohibits or permits the card payment in accordance with the schedule information for the card payment, further includes the schedule information for the card payment. , The card installed at the merchant that handles the card The merchant terminal that performs product sales that you use, be transmitted as information to determine the card validity, card validity determination method in the card settlement. 6. A network connected to a schedule management server that manages schedule information transmitted from a plurality of information terminals as a schedule database for each cashless card specified from the information terminals, and is installed at a member store that handles the cards. A card payment member store terminal that performs card payment for product sales, and prohibits or permits card payment according to the schedule information at the time of card payment provided for each card, or sets the schedule information at the time of card payment. Regardless, the card payment classification information that determines whether to prohibit or permit the card payment, and if the card approval classification information prohibits or permits the card payment according to the schedule information at the time of card payment, Based on the schedule information at the time of card payment, A card settlement means for receiving a card validity judgment result obtained by judging card validity at the time of card settlement for the card from the schedule management server, and performing card settlement in accordance with the card validity judgment result; Merchant terminal. 7. A network connected to a schedule management server that manages schedule information transmitted from a plurality of information terminals as a schedule database for each cashless card specified from the information terminals, and is installed in a member store that handles the cards. A card payment member store terminal that performs card payment for product sales, and prohibits or permits card payment according to the schedule information at the time of card payment provided for each card, or sets the schedule information at the time of card payment. Regardless, if the card payment classification information that determines whether to prohibit or permit the card payment and the card approval classification information prohibits or permits the card payment according to the schedule information at the time of card payment Further, based on the schedule information at the time of card settlement, A card validity determination means for determining the card validity during card settlement according to the card, performs card settlement using the result of determination by said means, card payment merchant terminal. 8. The card settlement service system according to claim 1, wherein the schedule database is managed using a schedule management function in groupware for sharing network communication. 9. The card validity determination method in card settlement according to claim 2, wherein the schedule database is managed using a schedule management function in groupware for sharing network communication. 10. A card settlement member store terminal according to claim 3, wherein the schedule database is managed using a schedule management function in groupware for sharing network communication. 11. The card payment method according to claim 4, wherein the content of the schedule information at the time of card payment for the card includes a predetermined keyword for permitting card payment. A card payment service system for determining the validity of a card. 12. The card settlement according to claim 2, wherein the content of the schedule information at the time of card settlement for the card includes a predetermined keyword for permitting card settlement. A card validity determination method in card settlement in which card validity at the time is determined. 13. The card settlement according to claim 6, 7, or 10, based on whether or not a content of the schedule information at the time of card settlement for the card includes a predetermined keyword for permitting card settlement. Card payment member store terminal for which the validity of the card at the time is determined.