JP2005208874A - Store price settlement method using child card - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a payment method for a store using a child card in which the risk due to the loss or theft of the credit card is reduced and the data processing of the child card is made not to depend only on the processing system of the credit company.
A step of issuing a child card in which child card ID information associated with credit ID information is stored, and when a user pays the price, the user inputs the price information and reads the child card ID information. Transmitting the step, the price information, the child card ID information, and the member store ID information to the information management center, and associating the price information, the child card ID information, and the member store ID information received at the information management center. A step of registering in a database; a step of transmitting information registered in the database to a payment center; and a card payment process based on credit ID information registered in association with the received child card ID information in the payment center The step of performing.
[Selection] Figure 1

Description

  The present invention relates to a store payment method using a child card that can perform payment processing using a child card associated with a parent card that is a credit card.

Conventionally, in a payment system using a credit card, a credit card user performs a credit payment process by presenting the credit card at a store or the like, and then the user makes a payment to the credit card company. By paying the amount of money and the amount of commission, the settlement of the price is performed.
Therefore, it is necessary for the user to have a credit card for the payment using the credit card. In addition, in the payment using the credit card, the person who applied for the credit card must use the account withdrawal process. Eventually, the payment is made.

  Payments using credit cards can be processed without having to carry cash, so employers such as companies can add credit card functions to employees' employee ID cards so that they can be used in employee cafeterias. There is an advantage that it is convenient that the payment can be made by post-payment by an account withdrawal process without using cash.

However, for example, when an employee ID card has a credit card function, the employee ID card can be used as a credit card. If the employee ID card is stolen, a third party can join. There is a risk that any store can use it without permission, and there is also a risk that it will be cashed and damaged by cashing processing using ATM.
In other words, the employee ID card is, for example, a medium for employees to prove their identity, so that it can be presented to security guards when entering the company, or it can be immediately identified as an employee in the company. The employee ID card is always hanging from the neck so that it can be seen from the outside, and since there are many in / outs, there is a high possibility that it will be accidentally dropped or stolen.

2. Description of the Related Art Conventionally, a settlement method is known in which a payment made using a child card is paid by a credit card as a parent card.
For example, in the conventional technology, a parent card is issued as a corporate credit card and a child card is issued to the employee, so that the employee can use the child card to pay for the payment. The technique of performing is known. (For example, see Patent Document 1)
However, with this technology, all payment processing with a child card is performed in the credit company processing system, so a huge amount of data processing must be performed in the credit company processing system, and the data processing burden is too great There is a problem.
JP 2002-352167 A

  The present invention is based on the loss or theft of a credit card so that a person who has been issued a credit card can carry out a payment settlement process by credit processing using a child card without having a credit card. Use a child card that reduces risk and makes it easier for credit companies to introduce child cards by not relying solely on the credit company's processing system for data processing of price usage information when using child cards Provide a method for the settlement of store prices.

  The store price settlement method using the child card of the present invention is a store price settlement method using a child card that can perform payment processing using a child card associated with a parent card that is a credit card. A step of issuing a child card storing child card ID information associated with credit ID information of the credit card to the user, and the user inputs the price information when paying the price at the store And reading the child card ID information stored in the child card, the price information, the child card ID information, and the member store ID information that can specify the store. Transmitting the payment information received at the information management center, the child card ID information, and the member store ID information in association with each other, A step of registering in the database, a step of transmitting information registered in the database to a payment center of a credit card company, and a credit ID registered in association with the received child card ID information in the payment center. And a step of performing card settlement processing based on information.

  The store payment method using the child card of the present invention can specify a store that can use the child card, or can restrict normal credit card caching so that the child card cannot be used. Even if the card is lost or stolen, the risk of damage can be reduced. Therefore, the child card can be used easily as a membership card or employee card.

Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.
FIG. 1 is a diagram for explaining an overview of a store price settlement method using a child card according to an embodiment of the present invention, and FIG. 2 is an application of a store price settlement method using a child card according to an embodiment of the present invention. 3 is a block diagram of the system configuration, FIG. 3 is a diagram schematically showing the data contents of the member information database in the present invention, and FIG. 4 is a processing procedure of the store price settlement method using the child card according to the embodiment of the present invention. It is a flowchart which shows.

As shown in FIG. 1, a store payment method using a child card according to an embodiment of the present invention includes a credit card company 1 that issues a credit card 5 and a child card 6 that are parent cards to a card member 7, and a card. The child card introduction company 2 that introduces the child card as an employee card to the employee who is a member, the member store 3 that can settle the store price with the child card, and the member store 3 paid for the child card. In this case, it is constituted by a child card information management center 4 that collects the child card use information.
The relationship between the child card introduction company 2 and the member store 3 that can be used to pay for the store with the child card is, for example, when the child card introduction company 2 does not have a dedicated employee cafeteria. In order to make it easy to use the employee ID card in the state close to the employee cafeteria of the child card introduction company 2 at lunch time, etc., it is applied when the store is determined in advance as a child card usable store.

  The credit card company 1 is provided with a payment server 8 that performs a payment process by credit. When the credit card company 1 issues a credit card 5 and a child card 6 which are parent cards to the card member 7, the child card 6 is preliminarily issued. The child card number stored in the card is associated with the credit card 5 of the parent card and registered in the database of the settlement server 8, so that the payment of payment at the store using the child card 6 is finalized. In addition, payment processing can be performed with a credit card.

The credit card company 1 issues a credit card 5 and a child card 6 as a parent card to a card member. The credit card 5 as a parent card can be used for cashing as a normal credit service or a credit card. While it can be used for payment at many affiliated stores where the company is affiliated, the child card 6 is not allowed to be cashed, and can be used for restaurants such as the cafeteria established by the child card introduction company 2. It can be used only at a specific member store 3.
As a result, when a child card is used as an employee ID card, even if the child card is dropped or stolen, the use of the child card is restricted to certain member stores. Even so, it doesn't fit the big damage.
Therefore, compared with a general credit card, even if a child card is adapted as an employee card, it can be easily carried around at all times.

In addition, the member store 3 is provided with a member store terminal 10 provided with a card reader 9 that reads information stored in the child card 6.
The card member inserts the child card 6 into the card reader 9 and pays the child card ID information stored in the child card 6 for payment at the cafeteria or the like that is the member store 3 that can use the child card 6. The payment process can be done by reading.

Further, the child card information management center 4 is provided with a management server 11 that receives child card use information data from the member store terminal 10 and collects payment information by the child card 6.
The management server 11 has a child card usage information database for registering payment information by the child card 6, and child card usage information is stored in this database.
This management server 11 is a server that functions only when the card member uses the child card 6 to make a payment at the member store 3, and if the card member uses the credit card 5 as the parent card, the member store 3 When the payment is made at, the credit card usage information is directly transmitted to the payment server 8 of the credit card company.

  The information that the card member uses the child card 6 for the payment at the store of the member store is converted into a beta base by the management server 11 of the child card information management center 4 so that the meal fee paid by each employee can be obtained. Since it is possible to check, the child card introduction company 2 that introduces the child card 6 can pay all the part of the employee's food expenses etc. to the employee in a later date and return it to the employee.

Further, the child card usage information data is transmitted from the management server 11 of the child card information management center 4 to the payment server 8 of the credit card company, and the settlement process based on the credit card 5 which is the parent card of the child card 6 is performed. Is called.
Subsequent processing is performed in the same way as processing based on a normal credit card, and payment is transferred from the credit card company to the member store. Done.
As described above, in the store price settlement method using the child card according to the present invention, the child card usage information of the price paid by the card member at the member store using the child card 6 is first transmitted to the child card information management center 4. And since it is comprised so that it may transmit to a credit card company after that, all the child card use information is stored in the child card information management center 4. FIG.

Next, a system configuration applied to the store price settlement method using the child card according to the embodiment of the present invention will be described with reference to FIG.
First, the member store terminal 10 provided in the member store 3 includes information on communication means 13 connected to the communication line 12, display means 14, storage means 15, input means 16, and card reader 9. The input / output means 17 for performing the input / output of the above, the control means 18 and the like.
The storage unit 15 of the member store terminal 10 stores member store ID information that can identify the member store.
When the card member pays the price using the child card at the member store 3, the card reader 9 receives the child card ID information read from the child card 6 by the input / output means 17, and the payment. After the price is input by the input means 16, the child card ID information and the price information are stored in the storage means 15 and the member store ID information is stored in the management server of the child card information management center 4 via the communication line 12. 11 is controlled to be transmitted to the terminal 11.
These processes are performed based on a control program stored in the storage unit 15.

  The management server 11 provided in the child card information management center 4 includes a communication means 19 connected to the communication line 12, a storage means 20 storing a control program, and a child card use information database 21. A child card utilization information totaling means 22, a child card utilization information registering means 23, a child card utilization information transmitting means 24, a control means 25, and the like.

The child card use information registration unit 23 has a function of associating the child card ID information, the price information, and the member store ID information received from the member store terminal 10 and registering them in the child card use information database 21.
Further, the child card usage information totaling means 22 has a function of totaling information registered in the child card usage information database 21 once a month, for example, on a predetermined day.
Further, the child card usage information transmission means 24 sends the information aggregated once every month by the child card usage information aggregation means 22 from the management server 11 provided in the child card information management center 4 to the credit card company. 1 to the settlement server 8.

  Next, in the payment server 8 of the credit card company, a communication unit 36 connected to the communication line 12, a storage unit 26 storing a control program, a member store information database 27, a member information database 28, and the like. , A payment information database 29, a credit usage information totaling means 30, a credit usage information registration means 31, a credit payment means 32, a control means 33, and the like.

In the member store information database 27, the member store name and address, the account number of the money transfer destination, and the like are registered in association with member store ID information that can specify the store.
In addition, in the member information database 28, as shown in FIG. 3, the card member's name, member address, credit card number of the credit card 5 as the parent card, child card number, credit settlement account number, etc. are registered in advance. Credit usage information and the like are registered according to the transaction.
By registering the credit card number and the child card number in association with each other in the member information database 28, even when the card member pays the price using the child card, it is associated with the member information database 28. In this way, it is possible to perform a settlement process using a credit card which is a parent card based on the registered credit card number.
Further, in the payment information database 29, information on credit payments of member stores and members is registered and stored as needed.

The credit usage information registration means 31 of the settlement server 8 has a function of registering the child card ID information, the price information, and the member store ID information received from the management server 11 of the child card information management center 4 in the member information database 28. ing.
Further, the credit settlement means 32 has a function of performing settlement processing using the credit card of the parent card associated with the child card from the information registered in the member information database 28.
The credit usage information aggregation means 30 has a function of aggregating information registered in the member information database 28 once a month, for example, every predetermined day.

Next, a processing procedure based on a system applied to the store price settlement method using the child card according to the embodiment of the present invention will be described based on the flowchart shown in FIG.
First, a credit card company issues a child card and a credit card as a parent card to a card member. (Step S1)
This child card stores child card ID information associated with credit card credit ID information.
Then, when the card member eats food at the member store 3 and pays the price with the child card 6, the child card stored in the child card 6 by the card reader 9 provided in the member store 3. Read ID information. (Step S2)
Further, the price is input by the input means 16 of the member store terminal 10. (Step S3)

Then, the child card ID information and the price information are transmitted to the management server 11 of the child card information management center 4 through the communication line 12 together with the member store ID information registered in the storage means 15. (Step S4)
The child card usage information including the child card ID information, the price information, and the member store ID information transmitted from the member store terminal 10 of the member store 3 to the management server 11 of the child card information management center 4 is the child card of the management server 11. It is registered in association with the usage information database 21. (Step S5)

  The child card usage information registered in the child card usage information database 21 is credited from the management server 11 of the child card information management center 4 by collecting the child card information registered during a predetermined period on a predetermined date. It is transmitted to the payment server 8 of the card company via the communication line 12. (Step S6)

Next, in the management server 11 of the child card information management center 4 that has received the child card usage information, the parent card associated from the received child card ID information based on the member information registered in the member information database 28 in advance. The credit card number is specified, and a settlement process based on the credit card number is performed. (Step S7)
These payments are processed once a month, summed up for a month on a set date, and then settled together. Payments are transferred to member stores, and payments are debited from credit card accounts of card members. It is settled by being paid.

  As described above, in the store price settlement method using the child card of the present invention, the child card usage information is first transmitted to the management server 11 of the child card information management center 4 and registered as a database. Since the child card usage information, which is calculated for a month on a predetermined day, is transmitted to the payment server 8 of the credit card company, the burden on the data processing of the payment server 8 of the credit card company can be reduced. It is.

It is a figure explaining the outline | summary of the store price settlement method using the child card based on embodiment of this invention. It is a block diagram of the system configuration which adapted the store price settlement method using the child card concerning the embodiment of the present invention. It is the figure which showed typically the data content of the member information database in this invention. It is a flowchart which shows the process sequence of the store price settlement method using the child card based on embodiment of this invention.

Explanation of symbols

1 Credit card company
2 Child card introduction company
3 member stores
4 Child Card Information Management Center
5 credit cards
6 child cards
7 Card members
8 Payment server
9 Card reader
10 member store terminals
11 Management server
12 Communication line
13, 19, 25, 36 Communication means
14 Display means
15, 20, 26 Storage means
16 Input means
17 Input / output means
18, 25, 33 Control means
21 Child card usage information database
22 Child card usage information aggregation means
23 Child card usage information registration means
24 Child card usage information transmission means
27 Merchant information database
28 Member information database
29 Payment Information Database
30 Credit usage information aggregation means
31 Credit usage information registration means
32 Credit settlement means

Claims (1)

It is a store payment method using a child card that can perform payment processing using a child card associated with a parent card that is a credit card,
Issuing a child card storing child card ID information associated with credit ID information of the credit card to a user;
When the user pays at the member store, at the member store terminal, inputs the price information and reads the child card ID information stored in the child card;
Transmitting the price information, the child card ID information, and member store ID information that can identify the member store from the member store terminal to a management server of a child card information management center;
Associating the price information received at the management server of the child card information management center with the child card ID information and the member store ID information and registering them in a database;
Transmitting information registered in the database of the management server to a payment server of a credit card company;
In the payment server, performing card payment processing based on credit ID information registered in association with the received child card ID information;
A store payment method using a child card characterized by having a card.

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