JP2008158638A - Payment processing support system, payment processing support method, payment processing support apparatus and credit card back end system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To popularize signature debit cards by eliminating the risk of overspending incurred by financial institutions when signature debit cards are used and burdening credit card companies within existing overspending risk ranges. <P>SOLUTION: When the signature debit card 130 is used with a credit card POS terminal 111, a first final sales message in JIS I format sent from a back end system 10 is received by a payment processing support apparatus 20 where it is converted into a second final sales message in JIS II format and sent for debit settlement to a financial institution accounting system 30. If the settlement is rejected, the first final sales message is sent for credit settlement from the payment processing support apparatus 20 to the back end system 10 for credit cards 110. <P>COPYRIGHT: (C)2008,JPO&INPIT

Description

  In the present invention, when a cardholder such as a card member uses an offline debit card for offline identification verification issued by an issuer such as a financial institution, in principle, debit settlement is performed, and exceptionally credit settlement is performed. The present invention relates to a payment processing support system, a payment processing support method, a payment processing support device, and a credit card back-end system.

  There are a credit card and a debit card as a settlement means when purchasing a product.

  In a credit card system, when a cardholder who is a cardholder uses a credit card to purchase a product at a merchant that accepts credit cards, the credit card company that is the issuer will be able to The credit card company later charges the transaction amount to the card member, and the card member pays the transaction amount charged to the credit card company in a lump or divided.

  Specifically, a credit card is an account number assigned to identify a card issuer and a card holder by embossing, printing, magnetic recording, etc., as an credit card issuer identification number, a card member personal account identification number, Credit card information such as check digit and expiration date is recorded in the number system of the first standard (JIS I / ISO standard PAN: Primary Account Number), and the card member's signature is written on the back side. It is used in communication network systems such as BANKNET (US Trademark of MasterCard International Incorporated), CAFIS (Credit And Finance Information System (registered trademark)), GPnet (registered trademark), and JCN.

  As shown in FIG. 6A, when the credit card 110 is used at a credit card member store, the credit card information is read from the magnetic stripe at the POS terminal 111 of the credit card member store, and the credit card 110 is credited via the communication network 113. A credit inquiry is made to the back-end system 112 of the card 110, a transaction such as purchase of a product is performed, and a sales finalization process is performed after the fact.

  On the other hand, the debit card system, when using a debit card at a merchant where the debit card can be used for payment settlement at the store, immediately deducts the transaction amount from the savings account of the financial institution and completes the payment. Yes. In general, debit cards are settled immediately, unlike credit cards. Therefore, when issuing a debit card, there is no examination of age, credit, etc., as with credit cards, and it is relatively difficult for consumers who do not like debts and credit provision. It is easy for consumers to use.

  Such a debit card includes a PIN debit card for verifying the identity of a card member using a personal identification number (PIN) and a signature debit card for performing a signature. In the PIN type debit card, the PIN entered by the card member at the POS terminal of the member store is transmitted online to the accounting system of the financial institution, and the PIN registered in this system is compared with the transmitted PIN. This confirms the identity. For example, an ATM (Automated Teller Machine) cash card issued by a financial institution can only be used at an ATM, but is a kind of PIN debit card that performs online identity verification using a PIN.

  Specifically, debit card information such as the code of a financial institution, branch name, account number, etc. required for the debit card is the second standard (JIS II type bank account) by embossing, printing, magnetic recording, etc. No.) and recorded in a communication network system such as MICS (National Cash Service, Multi Integrated Cash Service, registered trademark), BANCS (BANks Cash Service, registered trademark), ACS (All Japan Card Service, registered trademark), etc. It is in operation.

  As shown in FIG. 6B, when the PIN debit card 120 is used at a debit card member store, the debit card information is read from the magnetic stripe at the POS terminal 121 of the debit card 120 member store and the PIN is issued by the card member. Is input to the financial institution's account system 122 via the communication network 123 together with these information, and after the PIN verification, the cardholder's deposit account is immediately settled.

  On the other hand, in the case of a signature type debit card, the member store visually verifies the signature entered by the card member on the card slip of the member store and the signature entered on the back of the debit card, that is, the identity verification is performed offline. After that, settlement processing is performed on the deposit account online or offline. That is, the method of using a signature type debit card is the same as the method of using a credit card in that the identity verification is performed offline at the time of use. For this reason, the signature type debit card is operated using a credit card communication facility. Therefore, in the signature type debit card, the same information as the credit card information is recorded in the number standard of the same standard as the credit card, that is, the first standard (PAN: Primary Account Number of JIS I type / ISO standard).

  In addition, in the debit card that performs identity verification offline, in addition to the signature type as described above, the PIN is stored in the IC chip built in the card, and the card member inputs the PIN when using the card. There is a debit card that performs identity verification by comparing the PIN that has been entered with the PIN stored in the IC chip. This offline PIN debit card is superior to the signature debit card in that the accuracy of identity verification is higher, but is the same as the signature debit card in that the identity verification is offline. In the following description, the off-line PIN debit card is referred to as the signature debit card 130.

  As shown in FIG. 7, when the signature debit card 130 is operated, the telegram conversion of the first standard and the second standard is performed between the communication network 113 of the credit card 110 and the accounting system 122 of the financial institution. A converter 131 for performing is provided. This is because the credit card 110 records credit card information in the first standard number system, and the debit card 120 records debit card information in the second standard number system. When the signature type debit card 130 is used at the POS terminal 111 of the credit card member store, the credit card POS terminal 111 conforms to the first standard (JIS I type / ISO standard) read from the signature type debit card 130. The credit inquiry message is transmitted to the converter 131. The converter 131 converts the received first credit inquiry message into a second credit inquiry message of the second standard (JIS type II), and the account system of the financial institution. 122 is accessed and settlement processing is performed. At this time, the converter 131 adds a flag for invalidating the PIN verification required when the PIN debit card 120 is used in order to correspond to the accounting system 122 of the financial institution that performs identity verification using the PIN. The second credit inquiry message of the second standard is transmitted to the system system 122. The credit inquiry response is transmitted from the accounting system 122 to the converter 131 according to the second standard, converted to the first standard by the converter 131, and transmitted to the POS terminal 121 according to the first standard. . As a general rule, payment processing in a deposit account is performed at the time of credit inquiry processing at the time of product purchase. If there is a change in the amount during sales confirmation processing, or if a sales confirmation message is not sent, processing for canceling the payment processing is performed. Will be done.

  When the PIN debit card 120 and the signature debit card 130 are compared, the PIN debit card 120 is high in accuracy of identity verification in that the identity verification system 122 of the financial institution uses the PIN. It is superior to the signature type debit card 130. However, the PIN debit card 120 needs to transmit the PIN online to a financial institution's billing system, and new large-scale communication network facilities such as encryption processing of the PIN to be transmitted and construction of a new telegram system are new. Is required. In this respect, the signature type debit card 130 is able to use the communication network equipment 113 of the existing credit card 110 since the identity verification is performed by the signature as in the case of the credit card 110, which is more advantageous than the PIN type debit card 120. .

  However, the signature type debit card 130 has the above advantages, but is not so popular in a predetermined area, for example, Japan. This is due to the following reason.

  Normally, in the credit card 110 system, as shown in FIG. 6A, in principle, when a card member presents the credit card 110 to a member store when purchasing a product, the member store credits via the POS terminal 111. A credit inquiry message is transmitted to the back-end system 112 of the card 110, a credit inquiry is performed, and after the credit inquiry, the member store transmits a sales confirmation message to the back-end system 112 of the credit card 110 via the POS terminal 111. This completes the transaction process.

  However, the credit inquiry using the credit inquiry message may be performed offline, and not all are performed online in real time. In Japan, the percentage of offline processing is about 10% to 20% of the entire credit card 110 transaction. For this reason, in such an exceptional credit card 110 transaction, there is a risk of overuse regardless of good intentions or bad intentions.

  For example, if credit referrals are made offline and delayed, or credit referrals are omitted to prioritize paperwork efficiency, such as floor limit transactions described below, the credit card company will remove credit card 110 at the time of the transaction. The credit inquiry of the card member to be used cannot be made, and as a result, the use limit of the credit card 110 set for the card member may be exceeded. For example, if a card member who has already used 295,000 yen with a limit of 300,000 yen purchases 9,000 yen, the limit of use exceeds 4000 yen. Thus, overuse may occur without the cardholder's intention.

  If the signature-type debit card 130 is to be operated in the same manner as the existing credit card 110, credit inquiry and sales confirmation processing are required. When the credit inquiry is omitted or not performed in real time, the credit card 110 and Similarly, the problem of overuse occurs. In other words, when the signature debit card 130 is used, it is offline and the credit inquiry is performed afterwards, or when the procedure for only the sales confirmation process is performed without performing the credit inquiry, it is settled immediately at the deposit account at the time of the transaction. Instead of processing, payment processing is performed in a deposit account after several days to several months. At this time, if the deposit amount of the card member's financial institution is less than the transaction amount, it will be overused. If you fail to collect from the cardholder, the financial institution will bear the excess usage. This is a major factor that prevents the spread of signature debit cards in Japan.

  Further, the reason why the signature type debit card 130 is not so popular is as follows.

  In the system of the credit card 110, exceptionally, in a large-scale store such as a department store, for example, online transactions or transactions that are less than a predetermined amount of 10,000 yen (hereinafter also referred to as a floor limit) are performed without credit inquiry. There are cases where only sales confirmation processing is performed offline.

  In addition, for the purpose of the validity of the credit card 110 at a gas station, etc., there is a case where only the credit inquiry is made online at an extremely low amount of 1 yen, 1 dollar, and the sales confirmation processing is not performed (hereinafter, this credit inquiry is performed). Also known as a one-yen authorization.)

  Furthermore, for hotels, etc., the purpose is to reserve the transaction amount frame in advance, and reserve a transaction amount frame that is slightly larger than the accommodation fee by making an online credit inquiry and make a reservation. A confirmation process may be performed (hereinafter, this credit inquiry is also referred to as an authorization reservation). In this case, the amount at the time of credit inquiry is different from the amount at the time of sales confirmation.

  In the presence of such message processing, when the signature debit card 130 using the converter 131 is operated as shown in FIG. 7, even when the signature debit card 130 is used, the sales confirmation message is displayed. A reconciliation process is required, such as whether there is a corresponding credit inquiry message, whether there is a sales confirmation message corresponding to the credit inquiry message, and whether the transaction amount of the credit inquiry message matches the transaction amount of the sales confirmation message. Become.

  In the case of the system of the credit card 110, it is only necessary to make a transaction based on the sales confirmation message. Therefore, basically, there is no need to perform the above-mentioned matching process. It may be used only when it is used. However, in the system of the signature type debit card 130 shown in FIG. 7, as a general rule, a settlement process is performed at the time of credit inquiry. If the transaction amount between the inquiry message and the sales confirmation message does not match, it is necessary for the card member to perform processing such as settlement cancellation, refund, and additional withdrawal. Therefore, in the system of the signature type debit card 130, in principle, a matching process between the credit inquiry message and the sales confirmation message is required for all the messages.

  For example, in the Japanese Patent Application No. 2006-110272 filed earlier by the present applicant, the payment processing performed in the system of the credit card 110 and the signature debit card 130 is performed by the payment processing support device. At the present time, this matching process may be performed visually by a person. However, when the payment processing support device is used, there are many combinations for matching the credit inquiry message and the sales confirmation message, and the software becomes extremely complicated. In addition, when it is performed manually, it is expensive.

  Also, once a withdrawal is made from a cardholder's deposit account, if the withdrawal is canceled, refunded or additional withdrawal is made for the same transaction, the cardholder will be confused and distrusted, which is not sufficient as a service. is there.

JP-A-11-134416

  The present invention has been made in view of the above problems, and an object of the present invention is to provide a payment processing support system and a payment processing support method capable of spreading a credit card debit card for offline identity verification. Another object of the present invention is to provide a payment processing support device and a credit card back-end system.

  Another object of the present invention is to eliminate the risk of excess usage that occurs for financial institutions when offline debit cards are used, and the range of risk of excess usage that has been conventionally borne by credit card companies. It is an object of the present invention to provide a payment processing support system, a payment processing support method, a payment processing support device, and a credit card back-end system that can be borne by a financial institution and reduce the burden on financial institutions.

  Furthermore, another object of the present invention is to eliminate a matching process between a credit inquiry message and a sales confirmation message generated in a credit card system, and to simplify the configuration of the apparatus and a payment processing support system. A method, a payment processing support apparatus, and a credit card back-end system are provided.

  A payment processing support system according to the present invention includes a credit card back-end system connected to a POS terminal of a credit card via a network, an accounting system of a financial institution where a deposit account is opened, and a back of the credit card. A payment processing support device connected to an end system and the accounting system of the financial institution, and when the debit card is used in a POS terminal of a credit card, the payment processing support device is connected to the accounting system of the financial institution This is a payment processing support system that enables debit payment processing in the system.

  Here, the debit card is an offline debit card in accordance with the first standard of the credit card system that performs identity verification offline.

  The credit card back-end system according to the present invention includes: a first communication unit that communicates with the POS terminal of the credit card; a second communication unit that communicates with the payment processing support device; Screening means for selecting a first sales confirmation message of the offline debit card from first sales confirmation messages including a transaction amount according to the first standard received by the communication means; Credit settlement processing means for enabling credit settlement processing based on one sales confirmation message.

  When the first communication means receives the first sales confirmation message transmitted from the POS terminal, the selection means selects the first sales confirmation message of the offline debit card, and The second communication means transmits the first sales confirmation message of the offline debit card selected by the selection means to the payment processing support apparatus.

  The payment processing support apparatus according to the present invention includes a third communication means for communicating with the credit card back-end system, a fourth communication means for communicating with the accounting system of the financial institution, The first sales confirmation message of the offline debit card transmitted from the second communication means of the credit card back-end system and received by the third communication means is in accordance with the second standard of the financial institution system. Conversion means for converting into a second sales confirmation message. When the first sales confirmation message of the offline debit card is received by the third communication means, the conversion means converts the first sales confirmation message received by the third communication means to the second sales message. The fourth communication means transmits the second sales confirmed message to the accounting system of the financial institution and performs debit settlement processing in the accounting system of the financial institution. To be able to. When the fourth communication means receives a settlement rejection response message from the accounting system of the financial institution, the third communication means receives the first sales confirmation received previously by the third communication means. The telegram is transmitted to the second communication means of the credit card back-end system.

  The credit settlement processing means of the credit card back-end system according to the present invention described above receives the first sales confirmation message transmitted from the third communication means of the payment processing support apparatus by the second communication means. At this time, the credit settlement processing is enabled based on the first sales confirmation message.

  Here, when the conversion means of the payment processing support apparatus converts the first sales confirmation message to the second sales confirmation message, the conversion system of the financial institution's account system performs the debit payment processing. You may make it add the flag which invalidates the authentication process performed using.

  The credit card back-end system selecting means may select the first sales confirmation message of the offline debit card by a BIN (Bank Identification Number) included in the first sales confirmation message. .

  Furthermore, the communication between the second communication means of the credit card back-end system and the third communication means of the payment processing support apparatus may be performed by batch transmission.

  The payment processing support method according to the present invention is a method executed by the payment processing support system as described above. This method can be realized by using a payment processing support device configured by hardware and a credit card back-end system, or by installing a computer program in an information processing device functioning as these devices. Can be realized. This computer program can be expanded in a state stored in a recording medium such as a network or an optical disk.

  According to the present invention, when an off-line debit card is used at a POS terminal of a credit card, the payment processing support apparatus uses the first sales confirmation message according to the first standard transmitted from the credit card back-end system. Is received, the first sales confirmation message is converted into a second sales confirmation message in accordance with the second standard of the financial institution system, and the second sales confirmation message is converted into the accounting system of the financial institution. It is possible to perform debit settlement processing in the accounting system of the financial institution. In addition, when the payment processing support apparatus receives a settlement rejection response message from the accounting system of the financial institution, the first sales confirmation message transmitted from the back-end system is transmitted to the credit card back-end system. The credit card back-end system can perform credit settlement processing. That is, in the present invention, debit settlement is performed in principle, and credit card settlement is performed when excess usage occurs exceptionally.

  As described above, the present invention eliminates the risk of excess usage that occurs for financial institutions when offline debit cards are used, and within the range of risk of excess usage that has been conventionally borne by credit card companies. Since it was owed, the burden on the financial institution can be reduced and the signature type debit card can be spread. In addition, since the debit payment processing is performed based on the sales confirmation message of the offline debit card that has been selected by the credit card back-end system, there is no need to perform a matching process with the credit inquiry message in the payment processing support device. In addition to simplifying the device, it is also possible to eliminate processing that causes card member confusion and distrust such as cancellation, refund, and additional debit, which are necessary when debit payment processing is performed at the time of credit inquiry. .

  Hereinafter, a payment processing support system to which the present invention is applied will be described with reference to the drawings.

  As shown in FIG. 1, a payment processing support system 1 to which the present invention is applied includes a credit card 110 in which a POS terminal 111 of a credit card 110 and a back-end system 10 of a credit card 110 are installed in a merchant of the credit card 110. Further, a POS terminal 121 for a PIN debit card installed at an ATM or a debit card member store and a billing system 30 of a financial institution are connected to a communication network 123 for the financial institution. The payment processing support device 20 is connected to the back-end system 10 of the credit card 110 and the billing system 30 of the financial institution. In the payment processing support system 1, a communication message is converted between the back-end system 10 of the credit card 110 and the billing system 30 of the financial institution.

<Credit card usage>
As in the past, a card member of the credit card 110 can use the credit card 110 at a credit card member store. That is, the credit card 110 has an issuer identification number of the credit card 110, an individual account identification number of the card member, as an account number assigned to identify the card issuer and the cardholder by embossing, printing, magnetic recording, etc. Credit card information such as check digit and expiration date is recorded in the number system of the first standard (JIS I / ISO standard PAN: Primary Account Number), and a signature for personal authentication is written on the back side. ing. When using the credit card 110, the signature on the back side of the card and the signature written on the card slip are visually checked, and as shown in FIG. The credit reference message of the first standard is transmitted to the back-end system 10 of the credit card 110 via the communication network 113, and the credit inquiry is performed online. In addition, credit inquiry is performed offline using means such as facsimile and mail. Thereafter, the member store transmits a sales confirmation message online to the back-end system 10 to perform the sales confirmation process. Also, the sales confirmation process is performed offline.

  Also, as an exception, when using the credit card 110, a large-scale store such as a department store may perform only online or offline sales confirmation processing as in the case of the floor limit transaction described above. .

  In addition, at a gas station or the like, as in the case of a one-yen authorization, there is a case where only a credit inquiry is made online for the purpose of validity of the credit card 110 and the sales confirmation process is not performed.

  Further, in a hotel or the like, as in the case of authorization reservation, a transaction amount frame is reserved in advance, and sales confirmation processing of the actual transaction amount may be performed in the sales confirmation processing.

<Use of PIN debit card>
Similarly to the conventional case, a card member of the PIN debit card 120 can use the PIN debit card 120 at an ATM or a debit card member store. The PIN debit card 120 has a debit card information such as a bank code, a branch name, and an account number required for the debit card by embossing, printing, magnetic recording, etc. according to the second standard (JIS II type bank account number). ) Number system.

  When the PIN debit card 120 is used, as shown in FIG. 1, the debit card information of the magnetic stripe is read at the POS terminal 121 of the debit card member store and the PIN is inputted by the card member. The account system 30 of the financial institution is accessed, and after the person is verified using the PIN, the settlement process is immediately performed with the deposit account.

<Use of signature debit card>
The signature-type debit card 130 is the same as the conventional signature-type debit card, and the issuer identification of the credit card 110 is used as an account number assigned to identify the card issuer and the cardholder by embossing, printing, magnetic recording, etc. Credit card information such as the number, cardholder's personal account identification number, check digit, expiration date, etc. is recorded in the number system of the first standard (JIS I / ISO standard PAN: Primary Account Number), and the back side, etc. Describes the signature of the cardholders they possess. The signature debit card 130 can be distinguished from the credit card 110 by a BIN (Bank Identification Number) in the first half of the PAN. In this signature type debit card 130, as described above, the PIN is stored in the IC chip built in the card, and the card member inputs the PIN at the time of use. An off-line PIN debit card that verifies the identity by checking the PIN stored in the IC chip is also included. When operating the signature debit card 130, the back-end system 10 and the payment processing support apparatus 20 to which the present invention is applied are used.

  The payment processing support device 20 is a device including the function of the conventional converter 131, and is based on the first standard (JIS I type / ISO standard) of the signature debit card 130 from the back-end system 10 of the credit card 110. When a sales confirmation message of 1 is transmitted, the first sales confirmation message according to the first standard is converted into a second sales confirmation message according to the second standard (JIS type II) and converted. The second sales confirmation message according to the second standard is accessed to the accounting system 30 of the financial institution to perform settlement processing. At this time, the payment processing support apparatus 20 adds a flag for invalidating the PIN verification required when using the debit card in order to support the account system 30 of the financial institution that performs identity verification using the PIN. The second sales confirmation message of the second standard is transmitted to the system 30.

  In the payment processing support device 20, basically, the account system 30 performs a settlement process at the time of the sales confirmation process after the credit inquiry, and the deposit amount of the card member financial institution saves only an amount smaller than the transaction amount. When the settlement rejection response message is received from the accounting system 30, the first sales confirmation message is transmitted to the back-end system 10 of the credit card 110 to perform the process as a credit card. To do.

<About credit card back-end system 10>
As shown in FIG. 2, a credit card back-end system 10 to which the present invention is applied has a POS terminal interface (hereinafter simply referred to as I / F) 11 for communicating with a credit card POS terminal 111 as a communication system. And a payment processing support apparatus I / F 12 that communicates with the payment processing support apparatus 20.

  The POS terminal I / F 11 is an I / F that communicates with the POS terminal 111 via the communication network 113, and performs telegraphic communication according to the first standard. Specifically, the POS terminal I / F 11 receives the credit inquiry message transmitted from the POS terminal 111 and transmits the response message to the POS terminal 111 according to the first standard. In addition, the POS terminal I / F 11 receives the first sales confirmation message in accordance with the first standard transmitted from the POS terminal 111, and performs an On-Us transaction (transaction at an in-house direct contract partner store). In this case, the response message is transmitted to the POS terminal 111 according to the first standard.

  The payment processing support apparatus I / F 12 is an I / F that performs communication with the payment processing support apparatus 20 using a network or a dedicated line, and performs communication of a message according to the first standard. Specifically, the payment processing support apparatus I / F 12 transmits the first sales confirmation message of the signature debit card 130 from the POS terminal 111 to the payment processing support apparatus 20 to the payment processing support apparatus 20. Further, when the payment processing support apparatus 20 receives a settlement rejection response in the accounting system 30 of the financial institution, the payment processing support apparatus I / F 12 sends the payment processing support apparatus I / F 12 from the back-end system 10 to the destination transmitted from the payment processing support apparatus 20. The same first sales confirmation message as the transmitted first sales confirmation message is received.

  Note that the payment processing support device I / F 12 may perform batch transmission in which a predetermined number of first sales confirmation messages are exchanged with the payment processing support device 20. This is because the credit settlement processing for determining sales performed by the back-end system 10 is not real-time processing. Therefore, in the case of batch transmission, the communication equipment between the back-end system 10 and the payment processing support apparatus 20 can be made to be comparable to that of a simpler one, for example, FTP (File Transfer Protocol) transmission, than in the case of real-time processing. .

  The back-end system 10 further includes a credit inquiry processing unit 13 that performs credit inquiry of a card member based on a credit inquiry message received by the POS terminal I / F 11, and a credit card 110 received by the POS terminal I / F 11. A selection unit 14 that selects and extracts a sales confirmation message of the signature type debit card 130 from the sales confirmation message of the signature type debit card 130, a credit settlement processing unit 15 that performs a credit payment process based on the sales confirmation message, and It has.

  When the credit inquiry processing unit 13 receives the credit inquiry message of the credit card 110 or the signature type debit card 130 at the POS terminal I / F 11, personal information such as a card usage history and a credit limit for each card member is stored. Access to the database, determine whether or not a predetermined criterion is satisfied, generate a credit response message that satisfies or does not meet the criterion, and transmit a credit response message from the POS terminal I / F 11 to the POS terminal 111 To do.

  When the POS terminal I / F 11 receives the sales confirmation message transmitted from the POS terminal 111, the selection unit 14 refers to the BIN (Bank Identification Number) part in the first half of the PAN included in the sales confirmation message. The POS terminal I / F 11 determines whether the sales confirmation message received from the credit card 110 or the signature type debit card 130 and supports the payment processing of the sales confirmation message of the signature type debit card 130. Output to the device I / F 12. Further, the sorting unit 14 outputs the sales confirmation message of the credit card 110 to the credit settlement processing unit 15.

  The credit settlement processing unit 15 inputs the sales confirmation message of the credit card 110 from the selection unit 14, and based on the inputted sales confirmation message, pays to the member store where the credit card 110 is used and charges the card member. Credit settlement processing for performing Further, the credit settlement processing unit 15 has a settlement rejection response in the accounting system 30 of the financial institution regarding the signature type debit card 130, transmitted from the payment processing support apparatus 20, and received by the payment processing support apparatus I / F 12. When the first sales confirmation message is input, credit settlement processing is performed based on the input sales confirmation message.

<About Payment Processing Support Device 20>
As shown in FIG. 3, a payment processing support apparatus 20 to which the present invention is applied is an apparatus having a configuration similar to that of a normal server. Random Access Memory), a CPU (Central Processing Unit) for performing calculations, and the like are provided. And the payment processing support apparatus 20 implement | achieves the following functions by installing a computer program in a server. Note that the payment processing support apparatus 20 may realize the function by hardware.

  The payment processing support apparatus 20 has, as communication systems, a backend system I / F 21 that communicates with the backend system 10 of the credit card 110 and a billing system I / F that communicates with a billing system 30 of a financial institution. 22.

  The back-end system I / F 21 communicates a message according to the first standard with the payment processing support apparatus I / F 12 of the back-end system 10 of the credit card 110. Specifically, the back-end system I / F 21 receives the first sales confirmation message including the transaction amount of the first standard from the back-end system 10. Further, when the back-end system I / F 21 receives the settlement rejection response message of the debit settlement process from the accounting system 30 of the financial institution, the first sales confirmation including the transaction amount of the first standard received first. The first sales confirmation message having the same content as the electronic message is transmitted to the payment processing support apparatus I / F 12 of the back-end system 10 so that the back-end system 10 can perform credit settlement processing.

  The back-end system I / F 21 may perform batch transmission in which a predetermined number of first sales confirmation messages are exchanged with the payment processing support apparatus I / F 12 together. This is because the credit settlement processing for confirming sales performed by the back-end system 10 is not real-time processing. Therefore, in the case of batch transmission, the communication equipment between the back-end system 10 and the payment processing support apparatus 20 can be made to be comparable to that of a simpler one, for example, FTP transmission than in the case of real-time processing.

  The billing system I / F 22 performs telegraphic communication according to the second standard with the billing system 30 of the financial institution. Specifically, when the billing system I / F 22 receives the first sales confirmation message including the transaction amount of the first standard from the back-end system 10 at the back-end system I / F 21, The second sales confirmed message converted from the first sales confirmed message of the standard to the second standard is transmitted to the accounting system 30 of the financial institution, and the debit settlement processing is performed in the accounting system 30 of the financial institution. To be able to. Further, the accounting system I / F 22 receives a settlement rejection response message for debit settlement processing from the accounting system 30 of the financial institution.

  The communication between the billing system I / F 22 and the billing system 30 of the financial institution follows, for example, the ATM protocol used between the ATM or the POS terminal 121 and the billing system 30. The same communication network can be used.

  The payment processing support device 20 further includes a conversion table 23 for converting the first standard adopted in the credit card into a second standard adopted in the accounting system of the financial institution, and this conversion. A message conversion generation unit that generates a second message according to the second standard from the first message according to the first standard with reference to the table 23, or generates a first message from the second message 24.

  The conversion table 23 is a table that associates the numbering system of the first standard and the numbering system of the second standard. That is, the first standard is that the credit card information such as the issuer identification number of the credit card 110, the personal account identification number of the card member, the check digit, the expiration date, etc. is the first standard (PAN of JIS I type / ISO standard: Primary Account Number), and the second standard is the number system of the second standard (JIS II type bank deposit account number) where the debit card information such as the code of the financial institution, branch name, account number, etc. is there. The conversion table 23 associates the number system of the first standard with the number system of the second standard, and the message conversion generation unit 24 changes from the first standard to the second standard or from the second standard to the first standard. It can be converted and a message can be generated.

  The message conversion generation unit 24 converts the message standard by referring to the conversion table 23 as described above. For example, when the back-end system I / F 21 receives a first sales confirmation message according to the first standard transmitted from the back-end system 10, the first sales confirmation message of the first standard is changed to the first sales confirmation message. The second sales confirmation message is converted into a second sales confirmation message in accordance with the second standard, and the generated second sales confirmation message can be transmitted to the account system 30 of the financial institution for debit settlement processing. Further, when the account system I / F 22 receives a settlement rejection response message for debit settlement processing according to the second standard from the account system 30 of the financial institution, the first standard is based on the settlement rejection response message. The first sales confirmation message is transmitted from the back-end system I / F 21 to the back-end system 10 so that the back-end system 10 can perform credit settlement processing.

  Furthermore, since the billing system 30 is also compatible with the PIN debit card 120, when the second sales confirmation message according to the second standard is received, a PIN is requested. However, the signature debit card 130 does not have a PIN. Therefore, when generating the second sales confirmation message from the first sales confirmation message with reference to the conversion table 23, the message conversion generation unit 24 also invalidates the PIN request of the accounting system 30. Add a flag. As a result, the payment processing support apparatus 20 can perform debit payment in the billing system 30 by transmitting the second sales confirmation message from the billing system I / F 22.

<About account system>
As shown in FIG. 3, the account system 30 of the financial institution includes a deposit account database 31 that manages deposit accounts of card members and the like, and the second transmitted from the account system I / F 22 of the payment processing support apparatus 20. And a determination unit 32 that refers to the transaction amount included in the sales confirmation message and compares the transaction amount with the amount stored in the deposit account.

  When the determination unit 32 receives the second sales confirmation message transmitted from the account system I / F 22, the determination unit 32 accesses the deposit account database 31, refers to the deposit amount of the account holder of the corresponding account, Determine if it is less than the amount. When the transaction amount is smaller than the deposit amount, the determination unit 32 performs a settlement process and transmits a settlement completion reply message to the account system I / F 22. When the transaction amount is larger than the deposit amount, the determination unit 32 transmits a settlement rejection response message for debit settlement processing to the account system I / F 22 because settlement is impossible.

<Description of operation of payment processing support device>
The operation of the payment processing support system 1 to which the present invention is applied will be described below.

  First, referring to FIG. 4, a credit inquiry process when the credit card 110 or the signature type debit card 130 is used in the POS terminal 121 will be described.

  First, when the back end system 10 of the credit card 110 receives the credit inquiry message transmitted from the POS terminal 111 at the time of transaction such as purchase of goods at the POS terminal I / F 11 at step S1, the back end system 10 at step S2 The credit inquiry processing unit 13 accesses the card member database to determine whether or not a predetermined standard is satisfied. In step S3, the credit inquiry processing unit 13 generates a credit response message indicating whether the standard is satisfied or not, and generates a credit response message. POS terminal I / F 11 transmits to POS terminal 111.

  Thus, when the card member tries to use the credit card 110 or the signature type debit card 130 at the member store, the credit member can make a credit inquiry, and after obtaining an answer that the credit inquiry satisfies the standard, Trading will be done. That is, the credit inquiry processing shown in FIG. 4 is the same as the conventional credit inquiry processing, and the credit inquiry includes the special credit inquiry message such as the above-mentioned one-yen authorization and authorization reservation. In the end system 10, a credit inquiry is also made to a special credit inquiry message in accordance with a normal credit inquiry message. Further, the credit inquiry of the signature type debit card 130 is performed in the same manner as the credit inquiry of the credit card 110.

  Next, with reference to FIG. 5, the sales confirmation process performed after the credit card 110 or the signature debit card 130 is used in the POS terminal 121 will be described.

  As shown in FIG. 5, when the back-end system 10 of the credit card 110 receives the first sales confirmation message transmitted from the POS terminal 111 at the POS terminal I / F 11 in step S11, in step S12, The sorting unit 14 determines whether the received first sales confirmation message is for the signature type debit card 130. Specifically, the sorting unit 14 sorts the signature-type debit card 130 with reference to the BIN portion in the first half of the PAN included in the sales confirmation message. The back-end system 10 proceeds to step S13 when it is the first sales confirmation message of the signature type debit card 130, and when it is not the first sales confirmation message of the signature type debit card 130, the normal credit card 110 The process proceeds to step S24 to perform the credit settlement process.

  In step S <b> 13, the back-end system 10 transmits the first sales confirmation message of the signature debit card 130 from the payment processing support apparatus I / F 12 to the payment processing support apparatus 20. That is, the back-end system 10 transmits only the first sales confirmation message of the signature debit card 130 to the payment processing support apparatus 20, and the sales confirmation message of the credit card 110 including the special message is transmitted to the credit settlement processing unit. 15 is used for settlement processing. Thereby, in the payment processing support apparatus 20, the matching process between the credit inquiry message and the sales confirmation message can be omitted, and the configuration can be simplified.

  In this case, the transmission of the first sales confirmation message of the signature debit card 130 to the payment processing support apparatus 20 may be batch transmission.

  In step S14, when the payment processing support apparatus 20 receives the first sales confirmation message from the signature debit card 130 by the back-end system I / F 21, in step S15, the message conversion generation unit 24 performs the signature debit card. The first sales confirmation message 130 is converted into a second sales confirmation message. In other words, the message conversion generation unit 24 refers to the conversion table 23 and converts the first sales confirmation message according to the first standard compliant with the credit card 110 to the second standard compliant with the second standard of the financial institution system. 2 is converted into a sales confirmation message. At this time, the message conversion generation unit 24 adds a flag for invalidating the PIN to the second sales confirmation message so as to correspond to the accounting system 30 of the financial institution. In step S16, the payment processing support apparatus 20 transmits the generated second sales confirmation message to the billing system 30 from the billing system I / F 22.

  When the account system 30 receives the second sales confirmation message transmitted from the payment processing support apparatus 20 in step S17, the account system 30 accesses the deposit account database 31 based on the information of the card member who is going to settle, In step S18, the determination unit 32 determines whether the transaction amount included in the second confirmed sales message is larger than the deposit amount of the deposit account. If not, that is, if the transaction amount is within the deposit amount of the deposit account, In S19, debit settlement processing is performed in the deposit account database 31.

  Further, when the transaction amount included in the second sales confirmation message is larger than the deposit amount in the deposit account, that is, when the account system 30 is overused, in step S20, the account system 30 sends a payment rejection response message to the payment processing support device 20. Send to.

  In step S21, when the payment processing support apparatus 20 receives the settlement rejection response message in the accounting system I / F 22, in step S22, the payment processing support apparatus 20 follows the same first standard as the first sales confirmation message received in step S14. The generated first sales confirmation message is generated, and the generated first sales confirmation message is transmitted from the back-end system I / F 21 to the back end in order to perform the credit payment processing for the payment processing for which the debit payment processing cannot be performed. Send to system 10.

  In this case, the transmission of the first sales confirmation message to the back-end system 10 may be batch transmission in which a predetermined number of first sales confirmation messages are transmitted collectively.

  When the back-end system 10 receives the first sales confirmation message in accordance with the first standard transmitted from the payment processing support apparatus 20 in the payment processing support apparatus I / F 12 in step S23, in step S24, The credit settlement processing unit 15 performs credit settlement processing.

  In step S24, the credit settlement processing unit 15 of the back-end system 10 receives the first sales confirmation message of the credit card 110 from the selection unit 14 (in the case of NO in step S12) or the debit settlement processing in step S23. Is received from the back-end system I / F 21, credit settlement processing is performed based on the input sales confirmation message. For example, when the first sales confirmation message of the credit card 110 is input from the selection unit 14, the credit settlement processing unit 15 performs the settlement process using the payment method (lump sum payment or installment payment) included in the sales confirmation message. Further, when the sales confirmation message when the debit payment process is rejected is input, the credit payment processing unit 15, for example, sets the payment method as installment payment in principle. This is because if the debit payment process is rejected, it is highly possible that lump sum payment is difficult.

  In the payment processing support system 1 to which the present invention as described above is applied, when the signature type debit card 130 is used in the POS terminal 121, the debit settlement processing is performed at the time of the sales confirmation processing. In the support device 20, it is not necessary to perform a matching process between the credit inquiry message and the sales confirmation message, and the configuration of the payment processing support device 20 can be simplified. In addition, since the matching process between the credit inquiry message and the sales confirmation message performed in the back-end system 10 of the credit card 110 is a conventional process, no system modification is required in this respect. In the back-end system 10 of the credit card 110, since it is only necessary to provide the selection unit 14 for selecting the sales confirmation message of the signature type debit card 130 from the sales confirmation message, it is possible to reduce system renovation. The portion of the account system 30 that requires refurbishment can only be refurbished to accommodate a PINless credit inquiry message.

  Further, since the payment processing support system 1 performs the debit settlement process at the time of the sales confirmation process, it is not necessary to perform communication between the back-end system 10 of the credit card 110 and the signature type debit card 130 in real time. As a result, it becomes possible to perform a batch transmission in which a predetermined number of first sales confirmation messages are exchanged collectively, and communication facilities between the back-end system 10 and the payment processing support device 20 can be simplified, for example, FTP. It can be as much as transmission.

  Furthermore, unauthorized use of the credit card 110 and the signature debit card 130 can be detected using a card unauthorized use detection system provided in the back-end system 10 conventionally.

  In the payment processing support system 1 having the above effects, when the signature-type debit card 130 is used at the POS terminal 111, in principle, debit payment is performed, and when debit payment cannot be performed, credit payment is performed. Therefore, the financial institution does not bear the excess usage as in the conventional case, and the burden on the financial institution can be reduced. On the other hand, even with a credit card company, it is within the scope of the risk that has been borne by credit transactions in the past, so that the excess usage becomes credit settlement, and the match between the credit inquiry message and the sales confirmation message Since the processing is also performed conventionally, it is possible to prevent a new burden from being imposed on the credit card company. Therefore, the payment processing support system 1 can provide an environment in which a financial institution can easily adopt the signature type debit card 130 and can contribute to the spread of the signature type debit card 130.

It is a figure which shows the structure of the payment processing assistance system to which this invention was applied. It is a block diagram which shows the back end system of the credit card to which this invention was applied. 1 is a block diagram showing a payment processing support apparatus to which the present invention is applied and an accounting system of a financial institution. FIG. It is a flowchart at the time of a credit inquiry process. It is a flowchart at the time of sales confirmation processing. (A) is a diagram showing a credit card system, and (B) is a diagram showing a PIN debit card system. It is a figure which shows the system of a signature type debit card.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Payment processing support system, 10 Back-end system, 11 POS terminal I / F, 12 Payment processing support apparatus I / F, 13 Credit inquiry processing part, 14 Sorting part, 15 Credit payment processing part, 20 Payment processing support apparatus, 21 Back-end system I / F, 22 Account system I / F, 23 Conversion table, 24 Message conversion generation unit, 30 Account system, 31 Deposit account database, 32 Judgment unit, 110 Credit card, 111 POS terminal, 112 Back end System, 113 communication network, 120 PIN debit card, 121 POS terminal, 122 billing system, 123 communication network, 130 signature debit card, 131 converter

Claims (14)

A credit card back-end system connected to a credit card POS terminal via a network, an account system of a financial institution where a deposit account is opened, a back end system of the credit card, and an account system of the financial institution And the payment processing support device enables the debit payment processing in the accounting system of the financial institution when the debit card is used at the POS terminal of the credit card. In the payment processing support system,
The debit card is an offline debit card according to the first standard of the credit card system for performing identity verification offline,
The credit card back-end system
A first communication means for communicating with the credit card POS terminal;
A second communication means for communicating with the payment processing support device;
Screening means for selecting the first sales confirmation message of the offline debit card from among the first sales confirmation messages including the transaction amount according to the first standard received by the first communication means;
Credit settlement processing means for enabling credit settlement processing based on the first sales confirmation message of the offline debit card,
When the first communication means receives the first sales confirmation message transmitted from the POS terminal, the selecting means selects the first sales confirmation message of the offline debit card,
The second communication means transmits the first sales confirmation message of the offline debit card selected by the selection means to the payment processing support device,
The payment processing support device
A third communication means for communicating with the credit card back-end system;
A fourth communication means for communicating with the accounting system of the financial institution;
The first sales confirmation message of the offline debit card transmitted from the second communication means of the credit card back-end system and received by the third communication means is set in accordance with the second standard of the financial institution system. Conversion means for converting to a second sales confirmation message.
When the third communication means receives the first sales confirmation message of the offline debit card, the conversion means converts the first sales confirmation message received by the third communication means to the second sales message. Convert to a confirmed message,
The fourth communication means transmits the second sales confirmation message to the accounting system of the financial institution so that debit settlement processing can be performed in the accounting system of the financial institution.
When the fourth communication means receives a settlement rejection response message from the accounting system of the financial institution, the third communication means receives the first sales confirmation message previously received by the third communication means. , To the second communication means of the credit card back-end system,
When the credit settlement processing means of the credit card back-end system receives the first sales confirmation message transmitted from the third communication means of the payment processing support apparatus by the second communication means, A payment processing support system that enables credit settlement processing based on the final sales message.   The conversion means of the payment processing support apparatus performs the conversion using the personal identification number that the account system of the financial institution performs in the debit settlement process when converting the first sales confirmation message to the second sales confirmation message. The payment processing support system according to claim 1, wherein a flag for invalidating the authentication processing is added.   2. The payment process according to claim 1, wherein said credit card back-end system selecting means selects a first sales confirmation message of said offline debit card by a BIN (Bank Identification Number) included in said first sales confirmation message. Support system.   The payment processing support system according to claim 1, wherein communication between the second communication means of the credit card back-end system and the third communication means of the payment processing support apparatus is performed by batch transmission. A credit card back-end system connected to a credit card POS terminal via a network, an account system of a financial institution where a deposit account is opened, a back end system of the credit card, and an account system of the financial institution When the debit card is used at a POS terminal of a credit card, the payment processing support device can perform debit settlement processing in the accounting system of the financial institution. In the payment processing support method to
The debit card is an offline debit card according to the first standard of the credit card system for performing identity verification offline,
Receiving the first sales confirmation message transmitted from the POS terminal by the first communication means of the credit card back-end system;
Screening a first sales confirmation message of the off-line debit card with a screening means of the credit card back-end system;
Transmitting the first sales confirmation message of the off-line debit card selected by the selecting means to the payment processing support device in the second communication means of the back-end system of the credit card;
Receiving the first sales confirmation message transmitted from the second communication means by the third communication means of the payment processing support apparatus;
The conversion means of the payment processing support apparatus converts the first sales confirmation message of the offline debit card received by the third communication means into the second sales confirmation according to the second standard of the financial institution system. A step of converting to a message,
The fourth communication means of the payment processing support apparatus transmits the second sales confirmation message converted by the conversion means to the account system of the financial institution, and debit settlement processing in the account system of the financial institution Steps to be able to do
Receiving a settlement rejection response message from the accounting system of the financial institution in the fourth communication means of the payment processing support apparatus;
A third communication unit of the payment processing support apparatus, transmitting a first sales confirmation message previously received by the third communication unit to a second communication unit of the credit card back-end system; ,
Receiving the first sales confirmation message transmitted from the third communication means of the payment processing support apparatus in the second communication means of the credit card back-end system;
A payment processing support method comprising the step of performing a credit settlement process based on the first sales confirmation message received by the second communication means in the credit settlement processing means of the credit card back-end system.   Further, when the first sales confirmation message is converted into the second sales confirmation message, a flag for invalidating the authentication process using the personal identification number performed by the accounting system of the financial institution during the debit settlement process is provided. 6. The payment processing support method according to claim 5, further comprising a step of adding.   6. The first sales confirmation message of the offline debit card is selected by a BIN (Bank Identification Number) included in the first sales confirmation message when the first sales confirmation message of the offline debit card is selected. The payment processing support method described.   6. The payment processing support method according to claim 5, wherein communication between the second communication means of the credit card back-end system and the third communication means of the payment processing support apparatus is performed by batch transmission. When a credit card POS terminal is connected to a credit card back-end system connected to a credit card POS terminal and a financial institution's accounting system where a deposit account is opened, and a debit card is used at the credit card POS terminal. In addition, in the payment processing support apparatus that enables debit payment processing in the accounting system of the financial institution,
The debit card is an offline debit card according to the first standard of the credit card system for performing identity verification offline,
The payment processing support device
First communication means for communicating with the credit card back-end system;
A second communication means for communicating with the accounting system of the financial institution;
The first sales confirmation message including the transaction amount according to the first standard of the credit card system transmitted from the back end system of the credit card is converted into a second according to the second standard of the financial institution system. Conversion means for converting to a sales finalized message,
When the offline debit card is used at the POS terminal of the credit card, when the first sales confirmation message according to the first standard is received by the first communication means, the conversion means The first sales confirmation message received by the first communication means is converted into a second sales confirmation message in accordance with the second standard;
The second communication means transmits the second sales confirmation message to the accounting system of the financial institution so that debit settlement processing can be performed in the accounting system of the financial institution.
When the second communication means receives a settlement rejection response message from the accounting system of the financial institution, the first communication means sends the first received sales confirmation message to the back end of the credit card. A payment processing support apparatus that transmits to a system and enables credit settlement processing in the credit card back-end system.   When the conversion means converts the first sales confirmation message into the second sales confirmation message, the conversion means invalidates the authentication processing performed by the account system of the financial institution using the personal identification number at the time of debit payment processing. The payment processing support apparatus according to claim 9, wherein a flag to be added is added.   The payment processing support apparatus according to claim 9, wherein the first communication unit performs batch communication with the credit card back-end system. When the debit card is used at the POS terminal of the credit card, the account system of the financial institution connected to the POS terminal of the credit card via the network and when the debit card is used at the POS terminal of the credit card. In a credit card back-end system connected via a payment processing support device that enables debit payment processing in the system,
The debit card is an offline debit card according to the first standard of the credit card system for performing identity verification offline,
The credit card back-end system
A first communication means for communicating with the credit card POS terminal;
A second communication means for communicating with the payment processing support device;
Screening means for selecting the first sales confirmation message of the offline debit card from the first sales confirmation messages including the transaction amount according to the first standard of the credit card system received by the first communication means; ,
Credit settlement processing means for performing credit settlement processing based on the first sales confirmation message,
When the first communication means receives the first sales confirmation message transmitted from the POS terminal, the selecting means selects the first sales confirmation message of the offline debit card,
The second communication means transmits the first sales confirmation message of the offline debit card selected by the selection means to the payment processing support device,
The payment processing support device converts the received first sales confirmation message into a second sales confirmation message in accordance with the second standard of the financial institution system, and converts it into the accounting system of the financial institution. The first sales confirmation message transmitted earlier when the settlement rejection response message is received from the accounting system of the financial institution is transmitted by the second communication means. When received
The credit settlement processing means is a credit card back-end system that performs credit settlement processing based on the received first sales confirmation message.   13. The credit card back-end system according to claim 12, wherein the sorting means sorts the first sales confirmation message of the offline debit card by a BIN (Bank Identification Number) included in the first sales confirmation message.   13. The credit card back-end system according to claim 12, wherein the second communication means performs communication with the payment processing support apparatus by batch transmission.

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