JP2006126916A - Master/slave card type settlement system, settlement approval server, master/slave card type usage list and slave card - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a settlement system for using a master card and a slave card which is more convenient with security higher than a conventional manner. <P>SOLUTION: This master/slave card type settlement system is provided with a settlement approval server 1, a settlement unit 3-1, a fueling machine 4-1, a ticket examining unit 5-1, an inquiry terminal 6-1 set in a tower, an automatic vending machine 7-1, a portable inquiry terminal 8-1, a reader 9-1 connected to a POS terminal and personal computers 10-1 and 11-1. The settlement approval server 1 receives card numbers and use sum from the settlement unit 3-1 and the fueling machine 4-1 or the like through a network 2, and when the received card numbers are the card numbers of a slave card, the settlement approval server 1 determines whether or not the sum of the use amount and the use balance of the master card is the use limit of the master card or less, and when it is determined that the sum is the use limit or less, the settlement approval server 1 notifies approval of settlement. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to settlement using a card. In this specification, the “use limit” of a card means the maximum amount that can be used with the card, and the “use balance” of the card means the amount that has already been used with the card. Therefore, the upper limit of the amount that can be used with a certain card is the amount that remains after subtracting the usage balance of the card from the usage limit of the card.

  Conventionally, a card system has been proposed that can process the use of a secondary card as the use of a primary card (see Patent Document 1). According to this card system, the use of a secondary card is regarded as the use of a primary card. Therefore, without issuing multiple primary cards, the secondary card is properly used according to the transaction type, and settlement of a specific transaction is made. It can be done with a secondary card.

  Conventionally, the parent card usage limit amount is divided from the credit data of the parent card, and the usage limit on the parent card is restricted by using the divided usage limit amount as a credit settlement reservation amount. A credit card method has been proposed in which credit data is assigned to a child card, a child card is issued based on the parent card, and the transaction amount is settled with the parent card when the child card is used (see Patent Document 2). . In this credit card method, the use limit amount of the child card is given by subtracting as a credit settlement reservation from the use limit amount of the parent card, and the use of the parent card is limited to the remaining use limit amount.

  Further, conventionally, an automatic transaction process having a withdrawal limit setting means for setting an upper limit of the amount that can be withdrawn per certain period with a child card, and a means for approving a transaction within the withdrawal limit at the time of payment transaction with a child card A system has been proposed (see Patent Document 3). According to this automatic transaction processing system, it is possible to prevent the agent from excessive withdrawals.

  In addition, a parent-child card method has been proposed in which a plurality of child cards can be used under a single parent card that directly contracts with the issuer and can be easily carried and borrowed as if it were a coin purse (patent) Reference 4). According to this parent-child card method, both the child card and the card of the other person who received the distribution of the monetary data can be charged to the same account through the ID of the same parent card. Work is simplified.

  Conventionally, there has been proposed a credit settlement system and a settlement method in which a credit card and a prepaid card are linked through a communication network for cash exchange of “pocket money” between parents and children (see Patent Document 5). According to the credit settlement system and the settlement method, it is possible to improve the efficiency of accounting operations at the use distribution counter at the time of use.

  Conventionally, with regard to access by a child card, an automatic deposit / withdrawal system using a plurality of cards that accepts this access has been proposed on the condition that there is no registration of restrictions on access by a child card (see Patent Document 6). According to the automatic deposit / withdrawal system using a plurality of cards, the owner of the parent card can restrict access by the child card with a simple configuration.

  Conventionally, after confirming authorization with the card company, the parent card holder can be issued a child card with a credit card limit, and the balance of the credit card credit limit can be set for each shopping. There has been proposed a cashless shopping system terminal device that can be rewritten to perform shopping without confirming authorization with a card company within the range of the limit of use (see Patent Document 7).

JP 2001-167153 A Japanese Patent Laid-Open No. 3-196394 JP-A-61-249170 JP 63-37468 A JP 2001-306976 A Japanese Patent Laid-Open No. 1-1118959 Japanese Patent Application Laid-Open No. 60-144871

  However, the method of Patent Document 1 has a problem that it is difficult to apply when issuing a large number of secondary cards because no countermeasure is taken when the card number of the secondary card leaks onto the network. This is because issuing a large number of secondary cards inevitably increases the risk of losing the secondary cards.

  Further, in the method of Patent Document 2, when the use limit amount of the child card is subtracted from the use limit amount of the parent card, the use of the parent card is limited to the remaining use limit amount. Therefore, the method of Patent Document 2 has a problem that the convenience of the parent card is impaired instead of obtaining the child card.

  Further, in the method of Patent Document 3, since the upper limit of the amount that can be withdrawn per fixed period by the child card is set, in order to prevent the risk of abuse of the child card by the agent, the convenience of the child card must be sacrificed. There was a problem of not becoming.

  In addition, in the methods of Patent Documents 4 and 5, money data is distributed between cards. Therefore, after money data is distributed to a plurality of cards, the amount corresponding to all of the money data is used on one card. When it becomes necessary to do so, there has been a problem that the distributed monetary data must be consolidated into one card.

  Further, in the method of Patent Document 6, when the access by the child card is restricted or this restriction is released, the restriction must be registered and released. There was a problem that it was necessary to manage the registration and release of various regulations.

  The method of Patent Document 7 is convenient because the child card is not authorized, but instead, if the child card is lost, it becomes difficult to prevent the child card finder from using the child card. There was a problem that the owner suffered great damage.

  Therefore, the methods of Patent Documents 1 to 7 and the method of arbitrarily combining the methods of Patent Documents 1 to 7 have problems in convenience and security.

  Therefore, in view of such circumstances, an object of the present invention is to provide a settlement system that can use a parent card and a child card with higher convenience and higher security than before.

  According to the present invention, the above-described problem is solved by the following means.

  A first invention includes a payment approval server and an inquiry terminal connected to the payment approval server via a network, and the inquiry terminal sends a card number and a usage amount to the payment approval server via the network. The payment approval server includes a receiving means for receiving the card number and the usage amount transmitted from the inquiry terminal via the network, and the card number received by the receiving means is a child card. And the usage amount determination means for determining whether the sum of the usage amount received by the receiving means and the usage balance of the parent card is less than or equal to the usage limit amount of the parent card, A notification means for notifying a settlement approval to the inquiry terminal via the network when it is determined by the usage amount determination means that the amount is less than or equal to the usage limit; Comprising a parent card type payment system, characterized in that.

  A second invention includes a payment approval server and an inquiry terminal connected to the payment approval server via a network, and the inquiry terminal stores a card number, a usage amount, and usage location identification data in the network. A means for transmitting to the payment approval server via the network, the payment approval server receiving the card number, the usage amount, and the usage location identification data transmitted from the inquiry terminal via the network; When the card number received by the receiving means is a card number of a child card, the child card identified by the received card number is permitted to be used at the location specified by the received use location identification data. A use place judging means for judging whether or not use is permitted, and the use place judging means judges that use is permitted. A usage amount determination means for determining whether the sum of the usage amount received by the receiving means and the usage balance of the parent card is less than or equal to a usage limit amount of the parent card; and A parent-child card type payment system comprising: notification means for notifying the inquiry terminal of payment approval when it is determined that the amount is less than a usage limit amount.

  A third invention includes a payment approval server and an inquiry terminal connected to the payment approval server via a network. The inquiry terminal receives a card number, a usage amount, and usage location identification data in the network. A means for transmitting to the payment approval server via the network, the payment approval server receiving the card number, the usage amount, and the usage location identification data transmitted from the inquiry terminal via the network; When the card number received by the receiving means is a card number of a child card, the child card identified by the received card number is permitted to be used at the location specified by the received use location identification data. A use place judging means for judging whether or not use is permitted, and the use place judging means judges that use is permitted. A use restriction determination means for determining whether or not use of the child card is restricted, and a use received by the reception means when the use restriction judgment means does not determine that the use is restricted. It is determined that the sum of the amount and the usage balance of the parent card is less than or equal to the usage limit amount of the parent card, and the usage amount determination means determines that the sum is less than or equal to the usage limit amount In this case, the parent-child card type payment system comprises: a notification means for notifying the inquiry terminal of payment approval via the network.

  According to a fourth aspect of the present invention, in the parent-child card type payment system according to any one of the first to third aspects, the payment approval server further includes a parent indicating the correspondence between the parent card and the child card. Storage means for storing a card child card correspondence table; and a parent card child card correspondence changing means for changing the correspondence between the parent card and the child card shown in the parent card child card correspondence table stored in the storage means; It is the parent-child card type payment system characterized by comprising.

  According to a fifth invention, in the parent-child card type payment system according to any one of the first to third inventions, means for storing information for specifying the parent card in the memory means provided in the child card And a means for changing information for identifying the parent card stored in the storage means included in the child card.

  In a sixth aspect of the invention, the parent card is a cash card or a credit card, and the child card is a card that can be used as a health insurance card. This is a parent-child card type payment system according to any one of the above.

  In a seventh aspect of the invention, the parent card is a cash card or a credit card, and the child card is a card that can be used for transportation settlement. This is a parent-child card type payment system according to any one of the above.

  The eighth invention relates to any one of the first to fifth inventions, wherein the parent card is a cash card or a credit card, and the child card is a mobile terminal. This is a parent-child card payment system.

  According to a ninth aspect of the present invention, in the payment approval server connected to the inquiry terminal via the network, the receiving means for receiving the card number and the usage amount transmitted from the inquiry terminal via the network, and the reception means Use of determining whether the sum of the usage amount received by the receiving means and the usage balance of the parent card is less than or equal to the usage limit amount of the parent card when the card number is a card number of a child card And a notifying means for notifying the inquiry terminal of payment approval via the network when the use amount determining means determines that the amount is less than or equal to the use limit amount. It is a payment approval server.

  A tenth aspect of the invention is a payment approval server connected to an inquiry terminal via a network, receiving means for receiving the card number, usage amount, and usage location identification data transmitted from the inquiry terminal via the network. When the card number received by the receiving means is a card number of a child card, the child card identified by the received card number is permitted to be used at the location specified by the received use location identification data. A use place determination means for determining whether or not the use place is determined, and when the use place determination means determines that the use is permitted, the use amount received by the reception means and the use balance of the parent card A usage amount judgment means for judging whether or not the sum is less than or equal to the usage limit amount of the parent card, and a usage limit in the usage amount judgment means If it is determined that the amount or less, a payment authorization server, characterized by comprising: a notification means for notifying the payment authorization through the network to the query terminal.

  An eleventh aspect of the invention is a payment approval server connected to an inquiry terminal via a network, receiving means for receiving the card number, the usage amount, and the usage place identification data transmitted from the inquiry terminal via the network. When the card number received by the receiving means is a card number of a child card, the child card identified by the received card number is permitted to be used at the location specified by the received use location identification data. Use place determination means for determining whether or not the card is used, and use restriction for determining whether or not use of the child card is restricted when the use place determination means determines that use is permitted. A use amount received by the receiving unit when the use is not determined to be restricted by the judging unit; A usage amount judgment means for judging whether or not the sum of the balance of usage of the parent card is less than or equal to the usage limit amount of the parent card, and when the usage amount judgment means judges that the sum is less than or equal to the usage limit amount And a notification means for notifying the inquiry terminal of payment approval via the network.

  According to a twelfth aspect of the present invention, in the payment approval server according to any one of the ninth to eleventh aspects, a parent card child card correspondence table indicating correspondence between the parent card and the child card is further stored. Storage means and parent card child card correspondence changing means for changing the correspondence between the parent card and the child card shown in the parent card child card correspondence table stored in the storage means. It is a payment approval server.

  A thirteenth invention is the payment approval server according to any one of the ninth to eleventh inventions, and further, means for storing information for specifying the parent card in the storage means provided in the child card, And a means for changing information for specifying the parent card stored in the storage means provided in the child card.

  The fourteenth aspect of the present invention comprises a parent card section in which a usage amount by a parent card is written, and a child card section in which a usage amount by a child card is placed below the parent card section. It is a parent-child card type usage statement.

  A fifteenth aspect of the present invention is a child card characterized in that payment can be made for an amount less than or equal to the amount remaining after subtracting the parent card usage balance from the parent card usage limit.

  A sixteenth aspect of the invention is an inquiry terminal comprising means for transmitting a card number and a usage amount via a network, and a reception means for receiving the card number and the usage amount transmitted from the inquiry terminal via the network; If the card number received by the receiving means is a card number of a child card, whether the sum of the usage amount received by the receiving means and the usage balance of the parent card is less than or equal to the usage limit amount of the parent card Use amount determination means for determining whether or not the use amount determination means determines that the amount is less than or equal to the use limit amount, and notification means for notifying the inquiry terminal of payment approval via the network. A child card characterized by being used in a parent-child card type payment system comprising a payment approval server.

  According to a seventeenth aspect of the present invention, there is provided an inquiry terminal comprising means for transmitting a card number, a usage amount, and usage location identification data via a network, and a card number, usage amount, and usage location identification data transmitted from the inquiry terminal. And receiving means for receiving the received place of the child card identified by the received card number when the card number received by the receiving means is the card number of the child card. Use location judgment means for judging whether or not use at a location specified by data is permitted, and when the use location judgment means judges that use is permitted, the reception means receives Usage amount determination means for determining whether the sum of the usage amount and the usage balance of the parent card is less than or equal to the usage limit amount of the parent card A payment approval server comprising: a notification means for notifying the inquiry terminal of payment approval via the network when it is determined by the usage amount determination means to be equal to or less than the usage limit amount. It is a child card characterized by being used in a card type payment system.

  According to an eighteenth aspect of the present invention, there is provided an inquiry terminal comprising means for transmitting a card number, a usage amount, and a usage location identification data via a network, and a card number, usage amount, and usage location identification data transmitted from the inquiry terminal. And receiving means for receiving the received place of the child card identified by the received card number when the card number received by the receiving means is the card number of the child card. Usage location determination means for determining whether or not usage at a location specified by data is permitted, and when the usage location determination means determines that usage is permitted, the usage of the child card is determined. The use restriction determining means for determining whether or not the use is restricted, and the use restriction judging means has not determined that the use is restricted. In addition, in the usage amount determination means for determining whether the sum of the usage amount received by the receiving means and the usage balance of the parent card is less than or equal to the usage limit amount of the parent card, Used in a parent-child card type payment system comprising a payment approval server comprising a notification means for notifying the inquiry terminal of payment approval via the network when it is determined that the amount is less than a usage limit It is a child card characterized by that.

As described above, both the parent card and the child card according to the present invention can be used with less than the remaining amount after subtracting the parent card usage balance from the parent card usage limit. Therefore, according to the present invention, the convenience of the parent card and the child card can be improved as compared with the prior art.
Further, according to the present invention, when a child card is used outside a specific use place, the use of the child card is disapproved in the authorization. Therefore, according to the present invention, since the use place of the child card can be limited to a specific place, it is possible to prevent unauthorized use of the child card (particularly, illegal use on the Internet).
Further, according to the present invention, since it is possible to authorize the child card, high security can be ensured in using the child card.
Further, according to the present invention, since the correspondence between the parent card and the child card can be changed, only the parent card of the plurality of child cards can be changed to the other parent without greatly changing the plurality of child cards. It becomes possible to change to a card.
Further, according to the present invention, since the use of the child card is regarded as the use of the parent card, the points obtained by using the plurality of child cards and the points obtained by using the parent card are easily integrated. be able to.

  The best mode for carrying out the present invention will be described below in detail with reference to the accompanying drawings.

FIG. 1 is a diagram showing a parent-child card type payment system according to an embodiment of the present invention.
As shown in FIG. 1, the parent-child card type system according to the embodiment of the present invention includes a payment approval server 1 and a network 10 such as CAFIS (credit and finance information system). The network 10 includes a settlement machine 3-1, a refueling machine 4-1, a ticket gate 5-1, an inquiry terminal 6-1 installed in the tower, a vending machine 7-1, a portable inquiry terminal 8- 1. A reader 9-1 connected to a POS (Point Of Sale) terminal and personal computers 10-1, 11-1 are connected to a hospital 3, a gas station 4, a station ticket gate 5, respectively. It is located in the highway 6, on the road and indoors 7, in the mail and courier delivery destination 8, in the supermarket 9, and in the homes and offices 10 and 11.

In FIG. 1, a hospital 3, a gas station 4, a station ticket gate 5, a highway 6, a street or indoor 7, a mail or courier delivery destination 8, a supermarket 9, and a home or office 10 or 11, Cards ("card" in the present specification include not only a card whose physical shape is a card but also a card having a function of a card). These cards are all 1 It is a child card under one parent card (not shown). In the embodiment of the present invention, money settled by a child card can be withdrawn from an account of a parent card such as a cash card or a credit card. Hereinafter, the payment using this child card will be specifically described.
In the hospital 3, the patient has a child card 3-2 that can be used as a health insurance card, and the patient can pay for an examination fee, a treatment fee, and the like using the child card 3-2. The examination fee and the treatment fee settled by the child card 3-2 are withdrawn from the account of the parent card (not shown).
Moreover, in the gas station 4, the key holder 4-2 attached to the key is drawn, but this key holder 4-2 functions as a child card. The fueling person can settle the gasoline bill by causing the fueling machine 4-1 to read the information stored in the key holder 4-2. The gasoline fee settled by the key holder 4-2 is withdrawn from the account of the parent card (not shown).
In addition, what is inserted into the ticket gate 5-1 at the ticket gate 5 of the station is a child card 5-2 that can be used as a commuter pass, and a train user can use this child card 5-2 for a fare. Can be settled. The fare settled by the child card 5-2 is withdrawn from the account of the parent card (not shown).
In addition, on the highway 6, an in-vehicle device 6-2 having a function as a card is mounted on the vehicle, and the vehicle uses a signal transmitted from the in-vehicle device 6-2 as an inquiry terminal installed in the tower. By allowing the 6-1 to receive, the toll on the highway 6 can be settled. The toll paid by the in-vehicle device 6-2 is withdrawn from the account of the parent card (not shown).
Also, on the road or indoor 7, a mobile terminal 7-2 is depicted, but the mobile terminal 7-2 is equipped with a payment function, and the user transmits from the mobile terminal 7-2. By causing the vending machine 7-1 to receive the signal, the vending machine 7-2 can purchase the product, and the price of the purchased product can be settled. The price settled by the portable terminal 7-1 is withdrawn from an account of a parent card (not shown).
In addition, in the case of mail or parcel delivery service, the delivery person can settle the delivery price by causing the portable inquiry terminal 8-1 to read the information stored in the child card 8-1 of the customer. The price settled with the child card 8-1 is withdrawn from the account of the parent card (not shown).
Further, in the supermarket 9, by holding the portable terminal 9-2 over the reader 9-1 connected to the POS terminal, the card information stored in the portable terminal can be read by the reader 9-1, and Internet shopping can be performed. It is possible to make a settlement of money generated. Money settled by the portable terminal 9-2 is withdrawn from an account of a parent card (not shown).
Further, in the home or office 10, the information on the child card 10-2 is read from the keyboard by causing the personal computer 10-1 to read the information on the child card 10-2. It can be performed. Money settled by the child card 10-2 is withdrawn from an account of a parent card (not shown).
Further, in the home or office 11, by making the reader externally attached to the personal computer 11-1 read the information on the child card 11-2, it is possible to settle money generated by Internet shopping or the like. Money settled by the child card 11-2 is withdrawn from an account of a parent card (not shown).
As described above, according to the parent-child card type payment system according to the embodiment of the present invention, a payment made with a plurality of child cards 3-2 to 11-2 is given as one parent card (not shown). You can withdraw from your account. In the first place, if you can pay for medical examinations, treatments, gasoline, fares, tolls, can juices, shipping, products purchased through internet shopping with a single card, we will simplify payment methods. Although it is possible and convenient, in reality, it is difficult to consolidate all kinds of functions into one card. According to the parent-child card type payment system according to the embodiment of the present invention, since payment can be simplified without performing such aggregation, the convenience of payment can be enhanced in reality.

FIG. 2 is a diagram illustrating an example (part 1) of processing in the payment approval server 1. The settlement approval server 1 is a computer composed of a CPU, a RAM, a ROM, a hard disk, and the like, and the processing described in FIG. 2 is executed by a program stored in a ROM, a hard disk, etc. included in the settlement approval server 1 on the CPU. This is realized by being executed. It is connected to the settlement machine 3-1, the refueling machine 4-1, the ticket gate 5-1, the inquiry terminal 6-1 installed in the tower, the vending machine 7-1, the portable inquiry terminal 8-1, and the POS terminal. The reader 9-1 and the personal computers 10-1 and 11-1 are mounted with hardware or software programs for realizing functions such as authorization. Therefore, these devices function as inquiry terminals. In the first embodiment, for convenience of explanation, the settlement machine 3-1, the refueling machine 4-1, the ticket gate 5-1, the inquiry terminal 6-1 installed in the tower, the vending machine 7-1, the portable inquiry. The terminal 8-1, the reader 9-1 connected to the POS terminal, and the personal computers 10-1 and 11-1 are referred to as inquiry terminals.
First, when the payment approval server 1 receives the card number and the usage amount (S1-1), the authorization terminal is requested for authorization using the parent card child card correspondence table of FIG. 3 and the received card number. It is determined whether the card is a parent card or a child card (S1-2).
If it is determined in step S1-2 that the card is a parent card, the payment approval server 1 reads the usage balance of the parent card requested for authorization from the parent card child card correspondence table of FIG. The sum of the received usage amount is calculated (S1-3).
Next, the settlement approval server 1 reads the usage limit amount of the parent card requested for authorization from the parent card child card correspondence table of FIG. 3, and the sum calculated in step S1-3 is less than the read usage limit amount. It is determined whether it exists (S1-4).
If the payment approval server 1 determines that the amount is equal to or less than the usage limit in step S1-4, the payment approval server 1 transmits a payment approval notification to the inquiry terminal (S1-5), while in step S1-4. If it is determined that the amount is not less than the usage limit, a settlement rejection notice is transmitted to the inquiry terminal (step 1-7). The inquiry terminal performs settlement by card when receiving a settlement approval notification, and does not perform settlement by card when receiving a settlement non-approval notification.
When the payment approval server 1 determines in step S1-2 that the card requested for authorization is a child card, the card number of the received child card is determined using the parent card child card correspondence table of FIG. Then, the card number of the parent card of the child card is acquired (S1-6).
Then, the payment approval server 1 that has received the card number of the parent card in step S1-6 executes step S1-3, step S1-4, step S1-5, and step S1-7. Authorize the parent card.
As described above, according to the first embodiment, when a payment is made using a child card, authorization is performed for the parent card of the child card. Therefore, according to the first embodiment, it becomes impossible to use the child card for the amount exceeding the remaining amount after subtracting the usage balance of the parent card from the usage limit amount of the parent card. The damage caused by losing all or part of the card can be reduced to the remaining amount by subtracting the parent card usage balance from the parent card usage limit. When payment is made using a child card, the payment amount (that is, the usage amount received by the payment approval server 1) is added to the usage balance of the parent card.

FIG. 4 is a diagram illustrating an example (part 2) of processing in the payment approval server 1. The settlement approval server 1 is a computer composed of a CPU, a RAM, a ROM, a hard disk, and the like, and the processing described in FIG. 4 is executed by a program stored in a ROM, a hard disk, etc. provided in the settlement approval server 1 on the CPU. This is realized by being executed. It is connected to the settlement machine 3-1, the refueling machine 4-1, the ticket gate 5-1, the inquiry terminal 6-1 installed in the tower, the vending machine 7-1, the portable inquiry terminal 8-1, and the POS terminal. The reader 9-1 and the personal computers 10-1 and 11-1 are mounted with hardware or software programs for realizing functions such as authorization. Therefore, these devices function as inquiry terminals. In the second embodiment, for convenience of explanation, the settlement machine 3-1, the refueling machine 4-1, the ticket gate 5-1, the inquiry terminal 6-1 installed in the tower, the vending machine 7-1, the portable inquiry. The terminal 8-1, the reader 9-1 connected to the POS terminal, and the personal computers 10-1 and 11-1 are referred to as inquiry terminals.
First, when the payment approval server 1 receives the card number, the usage amount, and the inquiry terminal number (S2-1), it uses the parent card child card correspondence table in FIG. 3 and the received card number from the inquiry terminal. It is determined whether the card requested for authorization is a parent card or a child card (S2-2).
If it is determined in step S2-2 that the card is a parent card, the settlement approval server 1 reads the usage balance of the parent card requested for authorization from the parent card child card correspondence table of FIG. The sum of the received usage amount is calculated (S2-3).
Next, the settlement approval server 1 reads the usage limit amount of the parent card requested for authorization from the parent card child card correspondence table of FIG. 3, and the sum calculated in step S2-3 is less than the read usage limit amount. It is determined whether there is (S2-4).
If the payment approval server 1 determines that the amount is equal to or less than the usage limit in step S2-4, the payment approval server 1 transmits a payment approval notification to the inquiry terminal (S2-5), and on the other hand, in step S2-4. If it is determined that the amount is not less than the usage limit, a settlement rejection notice is transmitted to the inquiry terminal (step 2-7). The inquiry terminal performs settlement by card when receiving a settlement approval notification, and does not perform settlement by card when receiving a settlement non-approval notification.
If the payment approval server 1 determines in step S2-2 that the card requested for authorization is a child card, the use location identification data corresponding to the received inquiry terminal number is obtained from the inquiry terminal table of FIG. Is acquired (S2-6).
Next, the payment approval server 1 uses the child card table of FIG. 6 to acquire usage location identification data corresponding to the received card number, and the acquired usage location identification data is acquired in step S2-6. It is determined whether or not it matches the usage location identification data (S2-7).
If it is determined in step S2-7 that the two usage location identification data match, the settlement approval server 1 determines whether or not the use of the child card is restricted using the child card table of FIG. S2-8). On the other hand, if it is determined in step S2-7 that the two usage location identification data do not match, the settlement approval server 1 transmits a settlement rejection notification to the inquiry terminal (S2-10).
If it is determined in step S2-8 that the use of the child card is not restricted, the payment approval server 1 acquires the card number of the parent card of the child card from the received card number of the child card (S2-9). . On the other hand, if it is determined in step S2-8 that the use of the child card is restricted, the payment approval server 1 transmits a payment rejection notification to the inquiry terminal (S2-10).
And the payment approval server 1 which acquired the card number of the parent card in step S2-9 performs step S2-3, step S2-4, step S2-5, and step S2-7, thereby Authorize the parent card.
As described above, according to the second embodiment, when a payment is made using a child card, authorization is performed for the parent card of the child card. Therefore, according to the second embodiment, it becomes impossible to use the child card for the amount exceeding the remaining amount after subtracting the usage balance of the parent card from the usage limit amount of the parent card. The damage caused by losing all or part of the card can be reduced to the remaining amount by subtracting the parent card usage balance from the parent card usage limit. When payment is made using a child card, the payment amount (that is, the usage amount received by the payment approval server 1) is added to the usage balance of the parent card.
Further, according to the second embodiment, the use place of the child card is restricted by steps S2-6 and S2-7. That is, each child card should be used only at the inquiry terminal (refer to the inquiry terminal table in FIG. 5) using the place specified by the use place identification data stored in the child card table in FIG. 6 as the use place identification data. It is possible to use it with other inquiry terminals. Therefore, according to the second embodiment, for example, a person who has picked up a health insurance card can use the picked up card as a reference terminal (for example, a home personal computer connected to the Internet, etc.) installed in a place other than a hospital or pharmacy. ) Can not be used in the case of), so that unauthorized use of the child card can be prevented.
Further, according to the second embodiment, in step S2-8, a check related to the use restriction stored in the child card table of FIG. 6, that is, the authorization of the child card itself is performed, so that the unauthorized use of the child card is prevented. More can be planned. In the present invention, the check card itself or a combination of check items is made different for each inquiry terminal based on the difference in the use location identification data stored in the inquiry terminal table of FIG. A difference can be made in the severity of authorization (step S2-8).

FIG. 7 is a diagram showing an example of a parent-child card type use specification used in the parent-child card type payment system according to the embodiment of the present invention.
As shown in FIG. 6, in this example, the section indicating the usage amount of the child card is arranged below the section indicating the usage amount of the parent card. Therefore, according to the example of the parent-child card type usage specification shown in FIG. 7, it is possible to easily know whether the parent card is used or the child card is used. In addition, the parent-child card type use specification described in FIG. 7 is an example. Therefore, it goes without saying that the present invention does not limit the parent-child card type usage description to that shown in FIG.

As described above, in the parent-child card settlement system according to the embodiment of the present invention, both the parent card and the child card are less than the remaining amount by subtracting the parent card usage balance from the parent card usage limit. Can be used. Therefore, according to the parent-child card type payment system according to the embodiment of the present invention, the convenience of the parent card and the child card can be improved as compared with the prior art.
Moreover, according to the parent-child card type payment system according to the embodiment of the present invention, when a child card is used outside a specific usage place, the use of the card is disapproved in the authorization. Therefore, according to the parent-child card type payment system according to the embodiment of the present invention, the usage location of the child card can be limited to a specific location, so that unauthorized use of the child card (especially illegal usage on the Internet). ) Can be prevented more than before.
Further, according to the parent-child card type payment system according to the embodiment of the present invention, it is possible to perform authorization of the child card in addition to the authorization of the parent card, so that high security is ensured when using the child card. be able to.

In the parent-child card type payment system according to the embodiment of the present invention, the parent card and the child card are simply changed by changing the name of the parent card and the card number of the parent card in the parent card child card correspondence table of FIG. Can be changed. Therefore, in the parent-child card type payment system according to the embodiment of the present invention, only the parent card of the plurality of child cards is changed to another parent card without greatly changing the information of the plurality of child cards. It is also possible.
Further, in the embodiment of the present invention, the correspondence between the parent card and the child card is determined using the parent card child card correspondence table of FIG. 3, but in the present invention, for example, information on the parent card is stored in the child card. Can be stored, and the stored information can be read from the child card and used to determine the correspondence between the parent card and the child card. In this case, the correspondence between the parent card and the child card can be changed by changing the information of the parent card stored in the child card.
Further, according to the embodiment of the present invention, since the use of the child card is the use of the parent card, the points obtained by using the plurality of child cards and the points obtained by using the parent card are obtained. Can be easily integrated.

  The “card number” in the present invention includes a number obtained by converting a number arranged in this system, in addition to a number arranged as a cash card or credit card number. In the present invention, “the inquiry terminal transmits a card number and the payment approval server receives the transmitted card number” means that the inquiry terminal transmits a systematized number and the payment approval server Not only when receiving a structured number, but also when the inquiry terminal sends a structured number and the payment approval server receives the number obtained by conversion, or the inquiry terminal converts it When the number is sent and the payment approval server receives the systemized number, or when the inquiry terminal sends the number obtained by conversion and the payment approval server receives the number obtained by conversion included.

  Further, in the embodiment of the present invention, as an example of the inquiry terminal, in order to facilitate understanding, as an example of the inquiry terminal, the settlement machine 3-1, the refueling machine 4-1, the ticket gate 5-1, and the inquiry terminal 6 installed in the tower. -1, the vending machine 7-1, the portable inquiry terminal 8-1, the reader 9-1 connected to the POS terminal, and the personal computers 10-1 and 11-1, the present invention uses the inquiry terminal. Needless to say, the present invention is not limited to these devices.

  In the embodiment of the present invention, a signal is issued from the portable terminal 7-2 in order to realize the settlement for the vending machine 7-1. However, in the present invention, for example, the portable terminal 7 is used. -2 to make a payment by emitting light, to make a payment by emitting sound from the mobile terminal 7-2, or to make a payment by displaying an image on the screen of the mobile terminal 7-3 You can also. In this case, the vending machine 7-1 is provided with a light receiving element, a microphone, and the like.

  Recently, in consideration of customer convenience, there is a tendency to consolidate a large number of functions on a single card, but there are several problems with this aggregation. The first is the restriction by the brand rules, the second is that there are functions that are difficult to consolidate on one card, and the third is that many functions are added to one card. If it is aggregated, it will be difficult to deal with diversified inquiry terminals, and the fourth is that there are functions that consumers do not want to aggregate on one card. Therefore, the present invention that can solve these problems has extremely high utility value.

It is a figure which shows the parent-child card type payment system which concerns on embodiment of this invention. It is a figure which shows a parent card child card corresponding | compatible table. The figure which shows the example (the 1) of the process in the payment approval server 1 The figure which shows the example (the 2) of the process in the payment approval server 1 It is a figure which shows a child card table. It is a figure which shows an inquiry terminal table. It is a figure which shows an example of a parent-child card type use specification.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Payment approval server 2 Network 3 Hospital 3-1 Payment machine 3-2 Card that can be used as health insurance card 4 Gas station 4-1 Refueling machine 4-2 Key holder having a payment function 5 Station ticket gate 5-1 Ticket gate Machine 5-2 Card 6 that can be used as a commuter pass Inquiry terminal 6-2 installed on tower of highway 6-1 On-board equipment 7 On the road or indoor 7-1 Vending machine 7-2 Mobile terminal 8 Delivery destination home 8-1 Mobile inquiry terminal 8-2 Child card 9 Home or office 9-1 Reader 9-2 connected to POS terminal Mobile terminal 10 Home or office 10-1 Personal computer 10-2 Child card 11 Home or office 11- 1 PC 11-2 Child card

Claims (18)

A settlement approval server, and an inquiry terminal connected to the settlement approval server via a network,
The inquiry terminal is
Means for transmitting the card number and the usage amount to the settlement approval server via the network;
Comprising
The settlement approval server
Receiving means for receiving the card number and usage amount transmitted from the inquiry terminal via the network;
If the card number received by the receiving means is a card number of a child card, whether the sum of the usage amount received by the receiving means and the usage balance of the parent card is less than or equal to the usage limit amount of the parent card Use amount judgment means for judging whether
A notification means for notifying a settlement approval to the inquiry terminal via the network when it is determined by the usage amount determination means to be equal to or less than a usage limit amount;
Comprising
A parent-child card type payment system. A settlement approval server, and an inquiry terminal connected to the settlement approval server via a network,
The inquiry terminal is
Means for transmitting a card number, usage amount, and usage location identification data to the settlement approval server via the network;
Comprising
The settlement approval server
Receiving means for receiving the card number, usage amount, and usage location identification data transmitted from the inquiry terminal via the network;
When the card number received by the receiving means is a card number of a child card, the child card identified by the received card number is permitted to be used at the location specified by the received use location identification data. Use place judgment means for judging whether or not,
Whether or not the sum of the usage amount received by the receiving unit and the usage balance of the parent card is equal to or less than the usage limit amount of the parent card when the usage location determination unit determines that the usage is permitted Use amount judgment means for judging whether
A notification means for notifying a settlement approval to the inquiry terminal via the network when it is determined by the usage amount determination means to be equal to or less than a usage limit amount;
Comprising
A parent-child card type payment system. A settlement approval server, and an inquiry terminal connected to the settlement approval server via a network,
The inquiry terminal is
Means for transmitting a card number, usage amount, and usage location identification data to the settlement approval server via the network;
Comprising
The settlement approval server
Receiving means for receiving the card number, usage amount, and usage location identification data transmitted from the inquiry terminal via the network;
When the card number received by the receiving means is a card number of a child card, the child card identified by the received card number is permitted to be used at the location specified by the received use location identification data. Use place judgment means for judging whether or not,
Use restriction determination means for determining whether or not use of the child card is restricted when it is determined that use is permitted in the use place determination means;
Whether or not the sum of the usage amount received by the receiving unit and the usage balance of the parent card is less than or equal to the usage limit amount of the parent card when the usage limitation judgment unit does not determine that usage is restricted Use amount judgment means for judging whether
A notification means for notifying a settlement approval to the inquiry terminal via the network when it is determined by the usage amount determination means to be equal to or less than a usage limit amount;
Comprising
A parent-child card type payment system. In the parent-child card type payment system according to any one of claims 1 to 3,
The settlement approval server
Storage means for storing a parent card child card correspondence table indicating correspondence between the parent card and the child card;
A parent card child card correspondence changing means for changing the correspondence between the parent card and the child card shown in the parent card child card correspondence table stored in the storage means;
Comprising
A parent-child card type payment system. In the parent-child card type payment system according to any one of claims 1 to 3,
Means for storing information identifying the parent card in the storage means provided in the child card;
Means for changing information identifying the parent card stored in the storage means provided in the child card;
A parent-child card type payment system characterized by comprising: The parent card is a cash card or a credit card,
The child card is a card that can be used as a health insurance card,
The parent-child card type payment system according to any one of claims 1 to 5. The parent card is a cash card or a credit card,
The child card is a card that can be used for transportation settlement.
The parent-child card type payment system according to any one of claims 1 to 5. The parent card is a cash card or a credit card,
The child card is a mobile terminal.
The parent-child card type payment system according to any one of claims 1 to 5. In the payment approval server connected to the inquiry terminal via the network,
Receiving means for receiving the card number and usage amount transmitted from the inquiry terminal via the network;
If the card number received by the receiving means is a card number of a child card, whether the sum of the usage amount received by the receiving means and the usage balance of the parent card is less than or equal to the usage limit amount of the parent card Use amount judgment means for judging whether
A notification means for notifying a settlement approval to the inquiry terminal via the network when it is determined by the usage amount determination means to be equal to or less than a usage limit amount;
A settlement approval server. In the payment approval server connected to the inquiry terminal via the network,
Receiving means for receiving the card number, usage amount, and usage location identification data transmitted from the inquiry terminal via the network;
When the card number received by the receiving means is a card number of a child card, the child card identified by the received card number is permitted to be used at the location specified by the received use location identification data. Use place judgment means for judging whether or not,
Whether or not the sum of the usage amount received by the receiving unit and the usage balance of the parent card is equal to or less than the usage limit amount of the parent card when the usage location determination unit determines that the usage is permitted Use amount judgment means for judging whether
A notification means for notifying a settlement approval to the inquiry terminal via the network when it is determined by the usage amount determination means to be equal to or less than a usage limit amount;
A settlement approval server. In the payment approval server connected to the inquiry terminal via the network,
Receiving means for receiving the card number, usage amount, and usage location identification data transmitted from the inquiry terminal via the network;
When the card number received by the receiving means is a card number of a child card, the child card identified by the received card number is permitted to be used at the location specified by the received use location identification data. Use place judgment means for judging whether or not,
Use restriction determination means for determining whether or not use of the child card is restricted when it is determined that use is permitted in the use place determination means;
Whether or not the sum of the usage amount received by the receiving means and the usage balance of the parent card is less than or equal to the usage limit amount of the parent card when the usage restriction determination means does not determine that usage is restricted Usage amount judgment means for judging
A notification means for notifying a settlement approval to the inquiry terminal via the network when it is determined by the usage amount determination means to be equal to or less than a usage limit amount;
A settlement approval server. The settlement approval server according to any one of claims 9 to 11, further comprising:
Storage means for storing a parent card child card correspondence table indicating correspondence between the parent card and the child card;
A parent card child card correspondence changing means for changing the correspondence between the parent card and the child card shown in the parent card child card correspondence table stored in the storage means;
A settlement approval server. The settlement approval server according to any one of claims 9 to 11, further comprising:
Means for storing information identifying the parent card in the storage means provided in the child card;
Means for changing information identifying the parent card stored in the storage means provided in the child card;
A settlement approval server characterized by comprising: A parent card section showing the amount spent by the parent card, and
A child card compartment in which the amount of money spent by a child card is placed below the parent card compartment;
A parent-child card type usage statement characterized by comprising:   A child card characterized in that payment can be made for an amount less than the amount remaining after subtracting the parent card usage balance from the parent card usage limit. An inquiry terminal comprising means for transmitting the card number and the usage amount via the network;
Receiving means for receiving the card number and usage amount transmitted from the inquiry terminal via the network, and the use received by the receiving means when the card number received by the receiving means is a card number of a child card It is determined that the sum of the amount and the usage balance of the parent card is less than or equal to the usage limit amount of the parent card, and the usage amount determination means determines that the sum is less than or equal to the usage limit amount A settlement approval server comprising: a notification means for notifying the settlement terminal of the settlement approval via the network;
A child card characterized in that it is used in a parent-child card type payment system comprising An inquiry terminal comprising means for transmitting a card number, usage amount, and usage location identification data via a network;
When receiving means for receiving the card number, usage amount, and usage location identification data transmitted from the inquiry terminal via the network, and when the card number received by the receiving means is a card number of a child card, Use location determination means for determining whether or not use of the child card identified by the received card number is permitted in the location specified by the received use location identification data, and use in the usage location determination means When it is determined that the credit card is permitted, a usage amount determination is made to determine whether the sum of the usage amount received by the receiving means and the usage balance of the parent card is less than or equal to the usage limit amount of the parent card. And a payment approval to the inquiry terminal via the network when it is determined by the usage amount determination means to be equal to or less than the usage limit amount. And the settlement approval server that includes a notification means the notification to, the,
A child card characterized in that it is used in a parent-child card type payment system comprising An inquiry terminal comprising means for transmitting a card number, usage amount, and usage location identification data via a network;
When receiving means for receiving the card number, usage amount, and usage location identification data transmitted from the inquiry terminal via the network, and when the card number received by the receiving means is a card number of a child card, Use location determination means for determining whether or not use of the child card identified by the received card number is permitted in the location specified by the received use location identification data, and use in the usage location determination means When it is determined that the use of the child card is restricted, and when the use restriction determination means determines that the use is not restricted by the use restriction determination means. And determining whether the sum of the usage amount received by the receiving means and the usage balance of the parent card is less than or equal to the usage limit amount of the parent card. A payment approval server comprising: a usage amount determination unit; and a notification unit that notifies the inquiry terminal of a payment approval via the network when the usage amount determination unit determines that the usage amount is equal to or less than a usage limit. ,
A child card characterized in that it is used in a parent-child card type payment system comprising

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