JP2002352168A - Credit card management system with user settable usage limited amount - Google Patents

Abstract

PROBLEM TO BE SOLVED: To realize a securer credit card managing system by making the user set a use limit amount of a credit card himsey. SOLUTION: The system includes a computer terminal as a system, in which the user changes the use limit amount of the credit card within a range set by a credit card company, a network, a central processing unit and a computer terminal for obtaining approval, when credit is to be used.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

[0001] 1. Field of the Invention [0002] The present invention relates to a credit card management system having a function of setting the credit limit of a credit card by a user.

[0002]

2. Description of the Related Art In a conventional credit card, the credit limit is set by a credit card company in accordance with the degree of credit of the user, and a high credit limit which is not generally required may be set. is there. For this reason, there is a risk that the amount of damage caused by unauthorized use of a credit card will be high. In some cases, unauthorized use of a credit card is guaranteed by insurance, but the procedure is complicated and extremely unpleasant for the user. The spread of online shopping via the Internet is expected to further increase the risk of unauthorized use of credit cards.

[0003] However, if the credit limit is set low in a credit card contract, and the convenience of the credit card is maximized, such as when purchasing a high-priced product or traveling overseas, the credit of the user is sufficient. Nevertheless, it does not work well.

[0004]

SUMMARY OF THE INVENTION It is an object of the present invention to realize a safer credit card management method by allowing a user to set a credit card usage limit by himself / herself.

[0005]

Means for solving the above problems are as follows. A master file in which the user sets the credit limit within the credit limit set by the credit card company, means for the user to set or change the credit limit, and the usage set by the user when using the credit card A credit card management system comprising a means for determining whether a credit can be used based on a limit amount, wherein the user can set a limit amount.

[0006]

BEST MODE FOR CARRYING OUT THE INVENTION

[0007]

Embodiment 1 FIG. 1 is a schematic diagram showing a system for implementing a system according to the present invention. FIG. 2 is a master file for managing credit card information. FIG. FIG. 6 shows a flow for setting the amount, and FIG. 6 shows an approval flow for using the credit.

[0008] In the credit card management system according to the present invention, a credit limit for a credit card is first set.

In the present invention, an item for registering a usage limit specified by a user is added to the master file in addition to the conventional credit card management information. A user who wishes to set a credit limit enters the credit limit after an appropriate authentication procedure via the Internet. If the credit limit is equal to or less than the credit limit set by the credit card company, the credit limit desired by the user is registered in the item. Here, if the user does not particularly specify a usage limit, an operation is possible in which the usage limit set by the credit card company is registered.

For a user who does not have an Internet connection environment, an operation terminal for performing the procedure is provided at a convenient place such as a convenience store or a post office in addition to a service counter of a credit card company. It can also be installed in

When a credit card is used, a use limit set by the user and a payment balance of use result information are searched from the master file of the credit card, and a usable amount at that time is calculated. Approves credit use when the desired amount of use is less than the available amount.

[0012]

Second Embodiment In the credit card management system of the first embodiment, a function for registering a plurality of usage limits in a master file is provided, and a function of setting a usage limit according to a usage mode is realized. FIG. 3 is a master file for realizing the second embodiment, FIG. 7 is a flow when setting a usage limit for each use mode in the second embodiment, and FIG. 8 is an approval flow when using a credit in the second embodiment. . Here, the usage form refers to a form that involves a signature at a store, a form without a signature such as online shopping, and a usage fee that is periodically settled based on a contract or the like. There may be a transaction form or a classification based on a procedure used by the user. That is, in the system configuration diagram of FIG. 1, in the case of using a credit with a signature at a store, credit card information is input from a credit card reader for a credit settlement terminal indicated by 18, whereas in the case of online shopping, the credit card reading information is input. Is used, the usage mode is determined.

When the credit card is used, the credit card master file is searched for the usage limit set by the user for the usage mode and the payment balance of the usage result information, and the current usage for the usage mode is determined. Calculate the possible amount. Approve credit use if the amount is less than the desired amount and the available amount.

[0014]

Third Embodiment In the credit card management system according to the second embodiment, a function for notifying a user by e-mail or the like every time a credit is used enables early detection of misuse in online shopping or the like. I can expect that. Furthermore, since the e-mail itself has a risk of eavesdropping on the security due to eavesdropping, etc., a management number for communication with the user is set in addition to the credit card number used for payment, and the management number and usage record Alternatively, the user can be notified of the refusal record. FIG. 4 is a master file for realizing the second embodiment, and FIG. 9 is an approval flow when a credit is used in the third embodiment. Here, this control number is simply used for communication, and if the credit card company uses the control number for all communications with the user, theft of the credit card statement normally sent by ordinary mail It can also be expected to reduce the risk of leakage of credit card numbers due to such factors.

[0015]

According to the credit card management system of the present invention, it is possible to keep the amount of damage below the limit set by the user for credit card misuse that has occurred frequently in recent years. In addition, by adding the functions shown in the embodiment, especially for abuse via the Internet,
It is expected that a user who does not desire online shopping sets the use limit to 0 yen, thereby suppressing the damage itself, and an early detection of abuse by the function of notifying the use result or the like by e-mail.

[Brief description of the drawings]

FIG. 1 is a schematic configuration diagram of a system.

FIG. 2 is a credit card information management master file according to the first embodiment.

FIG. 3 is a master file for managing credit card information according to a second embodiment.

FIG. 4 is a master file for managing credit card information according to a third embodiment.

FIG. 5 is a flow chart for setting a credit limit of a credit card according to the first embodiment.

FIG. 6 is an approval flow when using a credit in the first embodiment.

FIG. 7 is a flowchart for setting a credit card credit limit in Embodiment 2.

FIG. 8 is an approval flow at the time of using a credit according to the second embodiment.

FIG. 9 is an approval flow when using a credit according to the third embodiment.

[Explanation of symbols]

11 Display Device for Setting Usage Limit by User 12 Keyboard for Setting Usage Limit by User 13 Processor for Setting Usage Limit by User 14 Central Processing Unit 15 Master File 16 Display Device for Credit Payment Terminal 17 Credit Payment Terminal Keyboard 18 Credit card reader for credit settlement terminal 19 Credit settlement terminal processing unit 21 Credit card number 22 Credit card company set use limit 23 User set use limit 31 Credit card number 32 Credit card company set use limit 33 User-set usage limit for usage type 1 34 User-set usage limit for usage type 2 35 User-set usage limit for usage type 3 41 Credit card number 42 Management number 43 Credit card company User setting credit limit 47 credit use record notification e-mail address for the user setting credit limit 46 use form 3 with respect to the user setting credit limit 45 use form 2 with respect to the constant credit limit 44 use form 1

Claims (1)

[Claims] 1. A master file in which a user can set a usage limit within a range of a usage limit set by a credit card company, means for the user to set or change the usage limit, and a credit card A credit card management system that allows the user to set the usage limit, including means for determining whether credit can be used based on the usage limit set by the user at the time of use