JP2002324199A - System for transaction payment by prepaid credit card - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a system for transaction payment by a prepaid credit card, which can provide a transaction card that can easily possessed by any body, can widely be used for any business transaction as the credit card, and poses a minimum risk of damages caused by a card crime. SOLUTION: A system for transaction payment by a prepaid credit card is comprised of a financial institution that issues a deposit book as well as one or more prepaid cards having a credit line of each card or the total dispensable amount of credit cards set to equal to the deposit amount in the deposit book the business transaction using the prepaid card is, automatically charged and settled in the deposit book in the same way as credit card transaction accounts. The settled transaction records are written in the book. The system is also comprised of a goods and service provider who settles accounts with the deposit books belonging to owners of the prepaid cards after the transactions are processed by the prepaid cards.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a commercial payment system using a prepaid credit card.

[0002]

2. Description of the Related Art
Various things are used as cards for commercial transactions,
Mainly, there are credit cards, debit cards, prepaid cards, and cards with a current settlement function of foreign (UK) banks.

[0003] Among them, credit cards are currently the most mainstream, and are very convenient cards that can be used for Internet shopping and mail-order sales as well as for commercial transactions at various stores in Japan and overseas.

[0004] However, this credit card requires a membership screening before issuing the card.
Because not everyone is allowed to issue, there are many people who want to own it but cannot. Withdrawal payment for the usage amount is postpayment, and business transactions can be made even if there is virtually no money. Copy cards are made when using this credit card at stores, and card numbers are stolen when used on the Internet, and there is an increasing tendency to suffer card crimes. If you drop a card or get stolen and don't notice it without noticing it, you can be injured and seriously damaged. There were also disadvantages.

[0005] Further, since a debit card is a cash card for a passbook of a financial institution, anyone can issue it immediately compared to a credit card, and since only the balance of a bank deposit can be used, the debit card is overused. Has the advantage that it cannot be settled later, but its use is limited to in-store use and it cannot be used for the Internet or mail-order sales, etc., and the usage limit fluctuates due to deposits or withdrawals to passbooks. Therefore, when the deposit amount is very large, there is a disadvantage that there is a danger that the deposit amount may be excessively used since the commercial transaction can be freely performed without restraint by the deposit amount.

[0006] Also, prepaid cards such as telephone cards and highway cards have the advantage that anyone can purchase as much as they want, but they have the disadvantage that services are limited to specific ones.

[0007] Also, a card with a current settlement function of a foreign bank can be used for various business transactions like a credit card, and although it is not an immediate settlement, it can be used only for the balance of a deposit like a debit card, so it is overused. The advantage is that you can't settle later. However, the procedure to get it issued is very cumbersome. It is necessary to send money to a foreign country to transfer money to an account, so the commission is higher than a domestic remittance, and it takes more than a day to deposit money, unlike a domestic bank. Since there is no passbook and the transaction details are sent a long time later, it is inconvenient for anyone who wants to immediately grasp the details of the transaction. There is a disadvantage.

In view of the current state of such various types of commercial transaction cards, the present applicant considers that if there is a commercial transaction card such as a credit card that can be easily owned by anyone and widely used for commercial transactions, If you pay attention to the possibility that the card will be very convenient for the user and expand the user class of the card transaction, and if the credit limit is set within the deposit amount of the card holder, the damage of card crime will be small. Focusing on the risk of staying and reducing the risk of using a card, the present inventors invented a revolutionary prepaid credit card commercial settlement system of the present invention.

[0009]

The gist of the present invention will be described.

[0010] In addition to providing a bankbook, one or more prepaid credit cards in which the maximum usage limit is set within the bankbook deposit amount or the total of the maximum usage limit is set within the banknote amount are provided. Issued and made a business transaction with this prepaid credit card, the same as with credit card settlement, automatically debited from the bankbook and settled, and a financial institution which displays the transaction record of the transaction in this bankbook, The present invention relates to a commercial payment system using a prepaid credit card, which comprises a merchandise / service provider that makes a payment transaction from the bankbook of the owner of the prepaid credit card by conducting a business transaction with a credit card. .

In addition, a card is issued by guaranteeing a passbook provided by a financial institution, and this card sets a maximum usage limit within the deposit amount of the passbook or adds a total of the maximum usage limit within the deposit amount. One or more pre-paid credit cards that can be set up for commercial transactions are set up, and this pre-paid credit card is used for business transactions with goods and service providers, thereby automatically debiting from the bankbook like credit card settlement. Settled,
The present invention relates to a commercial payment system using a prepaid credit card, wherein the financial institution is configured to display a transaction record of the commercial transaction in the bankbook.

In addition, the financial institution provides a bankbook, and sets a maximum usage limit within the deposit amount, or sets one or a plurality of prepaid-type ones in which the total maximum usage limit is set within the deposit amount. By issuing a credit card and performing a business transaction with this prepaid credit card, the financial institution automatically makes a payment from the bankbook like the credit card payment, and displays a transaction record of the transaction in the bankbook. The present invention relates to a commercial settlement system using a prepaid credit card.

[0013] Further, the product / service provider may set a maximum usage limit within the deposit amount of the bankbook provided by the financial institution or set a total of the maximum usage limit within the deposit amount, and issue one sheet. Alternatively, when a commercial transaction is performed with a plurality of prepaid credit cards, the transaction is debited from the bankbook provided by the financial institution, and the bankbook displays the settlement record of the commercial transaction at the financial institution. The present invention relates to a commercial settlement system using a prepaid credit card.

Further, one or more prepaid credit cards issued with the maximum usage limit set within the deposit amount of the bankbook or the total of the maximum usage limit set within the banknote deposit amount are issued. By performing a commercial transaction in the same way as a credit card payment, by performing an automatic debit payment from the bankbook and displaying the payment record of the commercial transaction in the bankbook, and performing a commercial transaction with this prepaid credit card The present invention relates to a commercial payment system using a prepaid credit card, comprising an information processing device for making a payment from the bankbook of the owner of the prepaid credit card.

[0015] The prepaid credit card is configured so that the maximum usage limit can be selected within a range of at least 500,000 yen or several types of maximum usage limit within a range of at least 500,000 yen. 6. A commercial payment system using a prepaid credit card according to claim 1, wherein the amount is set so that the amount can be selected from the several types of maximum usage limits. Things.

Further, the prepaid credit card is issued together with the bankbook by depositing with a financial institution, or the prepaid credit card is provided on condition that the bankbook is presented to the financial institution. The present invention relates to a commercial payment system using a prepaid credit card according to any one of claims 1 to 6, characterized in that the system is issued.

[0017] Further, the maximum use limit of the prepaid credit card is automatically increased by depositing in the deposit passbook, or the maximum use is made by presenting a deposit passbook with an increased remaining balance by depositing. 8. A method according to claim 1, wherein another prepaid credit card with an increased limit is issued, or another prepaid credit card for the increased deposit balance is issued. The present invention relates to a commercial payment system using a prepaid credit card according to item 1.

[0018]

BEST MODE FOR CARRYING OUT THE INVENTION An embodiment of the present invention (how to implement the invention) which is considered to be preferable will be briefly described with reference to the operation and effect thereof.

One or more prepaid credit cards in which the maximum usage limit is set within the deposit amount of the bankbook provided by the financial institution or the total of the maximum usage limit is set within the deposit amount are issued. .

When a commercial transaction is made with a product / service provider using the prepaid credit card, the transaction is automatically debited from the bankbook as in the case of credit card settlement, and the settlement record of the commercial transaction is displayed in the bankbook. .

More specifically, by performing business transactions with the prepaid credit card, the information processing device of the product / service provider makes a payment from the bankbook of the owner of the prepaid credit card and makes a payment. Then, the information processing device of the financial institution automatically makes a payment from the bankbook in the same manner as the credit card payment, and displays the payment record of the commercial transaction in the bankbook.

This prepaid credit card is
As described above, the maximum usage limit is set within the deposit amount of the passbook, so the payment will be guaranteed by the deposit in the passbook, so that it will be done when issuing an existing credit card This eliminates the need for a membership check, and allows anyone with a deposited passbook to issue a prepaid credit card with a maximum usage limit within the range of the deposit amount. .

Therefore, even a person who has not been able to own a credit card can easily own this prepaid credit card, and can use this prepaid credit card in various ways similar to conventional credit cards. Can be widely used for business transactions.

Therefore, even those who could not own a credit card and could not use commerce that required a credit card, such as Internet shopping,
Since the commercial transaction using the prepaid credit card becomes possible, the user class of the commercial transaction using the card is further expanded.

This prepaid credit card also has the risk of being stolen, making a copy card, or having the risk of stealing the card number, like the existing credit card, but the maximum usage limit is limited to that of the bankbook. The use of the prepaid credit card is less risky than existing credit cards, as it is limited to within the deposit amount and does not continue to cause significant damage.

Further, for example, if the maximum usage limit is set at 100,000 yen, ten prepaid credit cards with the maximum usage limit set at 10,000 yen can be issued. If only one or two of them are carried, even if this prepaid credit card is dropped, the amount of damage can be extremely small, and the risk can be further reduced.

Further, if a business transaction is made with this prepaid credit card, the maximum usage limit is set within the deposit amount, so that the user is never overused and cannot make payment. The amount of use is automatically deducted from the bankbook and is immediately settled. The settlement record of the commercial transaction is displayed in the bankbook, so that it is possible to immediately confirm the usage status when it is desired.

Further, since the maximum usage limit is set, the maximum usage limit does not fluctuate as in the case of a debit card. By setting this set amount to a small amount, excessive use can be prevented. And reliably.

In recent years, there have been many problems that a wife assigned to a household spends money and borrows money without the knowledge of her husband. However, using the system of the present invention, If you issue a prepaid credit card with the maximum usage limit set at 100,000 yen by deposit passbook held by you and deposit this 100,000 yen prepaid credit card with your wife as one month's living expenses, It will be absolutely possible to prevent my wife from wasting money and spending too much money, and the payment record of the prepaid credit card transaction is displayed in the passbook, so my husband looks at this payment record and Can also be managed.

Accordingly, a commercial payment system using a prepaid credit card, which is extremely innovative and extremely practical, is adapted to such a modern social situation.

Also, for example, the prepaid credit card is configured so that the maximum credit limit can be selected within a range of at least 500,000 yen, or several types of maximum credits can be selected within a range of at least 500,000 yen. If the usage limit is set and it is possible to select from these several types of maximum usage limit, it is possible to select and set the optimum usage limit for individuals within the range of 500,000 yen or less. Yes, and the maximum usage limit is 500,000 yen at the maximum, so even if a prepaid credit card is stolen, a copy card is made, or the card number is stolen, the damage amount is 500,000 yen or less The risk of using the prepaid credit card is further reduced.

[0032]

[Embodiment] In this embodiment, one or a plurality of prepaid credit cards in which the total amount of the maximum usage limit is set within the deposit amount or within the deposit amount of a bank passbook provided by a financial institution is issued. The prepaid credit card is used to make a commercial transaction, so that it is automatically debited and settled from the bankbook in the same manner as the credit card settlement, and the bankbook shows the settlement record of the commercial transaction.

More specifically, the prepaid credit card is used in various business transactions such as storefronts, the Internet, and mail-order sales in the same manner as an existing credit card, by using a card affiliated with a credit card company. It is configured to be able to. That is, a prepaid card that can perform commercial transactions in the same manner as a conventional credit card is issued at a member store (product / service provider) of a conventional credit card company.

[0034] This prepaid credit card, like a conventional credit card, is used by a credit card company when a user makes a business transaction using the prepaid credit card. Will take a fee, and the amount deducted from this fee will be paid to retailers and mail order companies.

Further, it is considered that the company that issues the prepaid credit card and the passbook requests a fee from the customer (a prepaid credit card user).

Therefore, if the maximum credit limit of the prepaid credit card is to be set to be equal to the deposit amount, at least the commission paid to the card and passbook issuer is added to the deposit passbook and the deposit is made. If this fee is not paid, it is estimated that the amount obtained by subtracting this fee from the deposit amount will be the maximum usage limit.

In this embodiment, since the maximum usage limit is set within the range of the deposit amount in the bankbook, the payment for commercial transactions is guaranteed by the bankbook.
Therefore, it is not necessary to carry out an admission screening, etc., which is performed when issuing a credit card. A prepaid system that sets the maximum usage limit within the range of the deposit amount for anyone who has a deposited passbook Credit card can be issued.

Therefore, a person who has not been able to own a credit card until now can easily own a credit card of this prepaid type. Therefore,
Even a person who cannot own a credit card and cannot use a business transaction that requires a credit card, such as Internet shopping, can use the prepaid credit card to make a business transaction.

In addition, this prepaid credit card has a maximum usage limit of 500,000 yen or less, no matter how high the amount of money in the bankbook.

By setting the maximum usage limit to a small amount of 500,000 yen or less, even if the prepaid credit card is stolen, a copy card is made, or the card number is stolen, the damage amount is reduced. Will be reduced to a maximum of 500,000 yen, and the risk of using this prepaid credit card will be much lower than that of existing credit cards. In addition, when this prepaid credit card is stolen or dropped, a notification to that effect is provided so that the service of using this prepaid credit card is stopped. Is also good.

The maximum usage limit of this prepaid credit card may be configured so that any amount can be selected within the range of 500,000 yen or less, or the maximum usage limit is 500,000 yen or less. The limit is set in several types, for example, 30,000 yen, 50,000 yen, 100,000 yen, 300,000 yen, 500,000 yen, etc., so that it can be selected from these several types of maximum usage limits. May be.

If the maximum usage limit can be selected as described above, it becomes possible to set an optimum usage limit for an individual person, which is extremely practical.

Also, the card to be issued may be issued with only one card having a maximum usage limit set within the deposit amount, or may be issued with a set amount obtained by dividing the maximum usage limit into a plurality of equal parts, that is, a maximum amount. It is also possible to issue a plurality of copies for which the sum of the usage limit amount is the set amount.

After the prepaid credit card is issued, the money may be withdrawn from the bankbook as usual.
It may be configured such that a withdrawal can be made only by conducting a business transaction using the prepaid credit card.

Further, in this embodiment, when a commercial transaction is made with this prepaid credit card, the transaction is immediately settled and the settlement record of this commercial transaction can be displayed on the bankbook.

More specifically, in the present embodiment, information processing devices (computers) are provided in each of the financial institution and the member store (product / service provider), and when a business transaction is made with a prepaid credit card, the member store becomes A transaction amount is requested from the provided information processing device (computer) to an information processing device provided at the financial institution issuing the card through an online line (network) or the like. The transaction amount is deducted from the user's passbook account and paid to the member store, and processing is performed so that the settlement record of this commercial transaction is displayed on the passbook and also recorded on the card.

Therefore, in the commercial transaction using the prepaid credit card, the maximum usage limit is set within the deposit amount. The amount of use is automatically debited and immediately settled from the bankbook,
In this passbook, the settlement record of the commercial transaction is displayed.

The prepaid credit card may be issued as a set together with the passbook by depositing, or a prepaid credit card may be issued on condition that the passbook is presented. In any case, since it handles a bankbook, it will be handled by a financial institution such as a bank.

In the case where a prepaid credit card and a bankbook are issued as a set, for example, a transaction password for the prepaid credit card is determined in advance, and the bankbook is stored in the bankbook number. It is considered that the configuration in which the determination is made only by the operator can save labor in the office procedure.

Further, this prepaid credit card is configured to identify whether or not it is the cardholder himself or herself by a personal identification number or a signature (signature) at the time of commercial transaction, like an existing credit card or debit card. .
It should be noted that, as in the case of a prepaid card such as a telephone card or a highway card, a configuration in which identification by a personal identification number or identification by a signature is unnecessary may be used. It is preferable because it is hard to use when it is stolen or stolen, and it is hard to damage.

Further, in the present embodiment, even if there is no deposit in the bankbook, the prepaid credit card can be used continuously by depositing the bankbook again.

At this time, if the deposit is larger than the preset credit limit of the prepaid credit card, the credit limit is set again so that the credit limit of the prepaid credit card can be raised. You may be able to.

At this time, for example, the maximum usage limit of the prepaid credit card may be automatically increased by depositing the money in a bankbook, or the deposit may be increased by depositing the credit card. Another prepaid credit card whose maximum usage limit has been increased by presenting a passbook may be issued, or another prepaid credit card for the increased deposit may be issued.

[0054]

As described above, according to the present invention, one or more prepaid credits in which the maximum credit limit is set within the deposit amount of the bankbook or the total of the maximum credit limit is set within the deposit amount are set. Since the card is issued, the payment of the commercial transaction will be guaranteed by the deposit in the passbook, so that the enrollment screening etc. which is done when issuing an existing credit card is not required, and the deposit was made Anyone who has a bankbook can issue a prepaid credit card with a maximum usage limit set within the deposit amount.

Therefore, a person who has not been able to own a credit card until now can easily own a credit card of this prepaid type, so that he or she cannot own a credit card, and is inevitably able to use a credit card for Internet shopping or the like. Even those who could not use the necessary commercial transactions can use the prepaid credit card to conduct commercial transactions, so that the user base of the commercial transactions using the card will be further expanded, and it is extremely practical. This is a revolutionary prepaid credit card payment system.

This prepaid credit card also has the risk of being stolen, making a copy card, or having the risk of stealing the card number, like the existing credit card, but the maximum usage limit is that of the bankbook. Because it is limited to the deposit amount, it does not continue to be used and does not cause significant damage, the risk of using this prepaid credit card is much lower than that of existing credit cards, and this prepaid When doing business transactions with a credit card of the formula, the maximum usage limit is set within the deposit amount, so there is no possibility that you will overuse it and you will not be able to make payments, and because the maximum usage limit is set, debit The maximum credit limit does not fluctuate like a card, and this set amount is kept small. As a result, overuse can be prevented beforehand and surely, and furthermore, the amount of use is automatically debited and settled from a bankbook like a credit card, and a settlement record of a commercial transaction is displayed on the bankbook. Therefore, a commercial payment system using a prepaid credit card that is extremely practical and can be immediately confirmed when the user wants to check the usage status is provided.

Further, in the invention according to claim 5, the information processing apparatus is extremely capable of automatically debiting payment from the bankbook of the owner of the prepaid credit card and displaying settlement records of commercial transactions in the bankbook. It will be a commercial payment system using a prepaid credit card with an excellent configuration that will be performed smoothly and reliably.

Further, in the invention according to claim 6, 5
It is possible to select and set the maximum credit limit that is optimal for individuals within the range of less than ¥ 100,000. Since this maximum credit limit is up to ¥ 500,000, prepaid credit cards can be stolen. Even if you make a copy card or steal your card number, the amount of damage will be reduced to 500,000 yen or less, and the risk of using this prepaid credit card will be further reduced, and it is extremely practical. It becomes a commercial payment system using a prepaid credit card.

According to the seventh aspect of the present invention, a prepaid credit card and a bankbook can be easily and reliably issued without requiring a preliminary examination or the like. It becomes a commercial settlement system using a credit card.

Further, in the invention according to the eighth aspect, even if there is no deposit in the bankbook, the prepaid credit card can be continuously used by depositing again, so that the prepaid credit card which is more practical can be used. It becomes a commercial settlement system using a credit card.

Claims (8)

[Claims] [Claim 1] A bankbook is provided and one or more prepaid credit cards in which a maximum credit limit is set within the bank account deposit amount or a total of the maximum bank limit is set within the bank account amount. A credit institution that issues a card and conducts business transactions with this prepaid credit card, thereby automatically debiting and settingtle payment from the bankbook in the same manner as credit card payment, and displaying a payment record of business transactions in the bankbook; A commercial payment system using a prepaid credit card, comprising: a merchandise / service provider that makes a payment transaction from the bankbook of the owner of the prepaid credit card by conducting business with the credit card of the prepaid type. 2. A card is issued by guaranteeing a passbook provided by a financial institution, and the card is used to set a maximum credit limit within the deposit amount of the passbook or to add a total of the maximum credit limit within the deposit amount. One or more pre-paid credit cards that can be set up for commercial transactions are set up, and this pre-paid credit card is used for business transactions with goods and service providers, thereby automatically debiting from the bankbook like credit card settlement. A commercial payment system using a prepaid credit card, wherein the payment is settled and the financial institution displays a transaction record of the commercial transaction in the bankbook. 3. The financial institution provides a bankbook and sets a maximum usage limit within the deposit amount, or sets one or a plurality of prepaid-type ones in which the total of the maximum usage limit is set within the deposit amount. Issue a credit card,
When the commercial transaction is performed by the prepaid credit card, the financial institution automatically makes a payment from the bankbook as in the case of the credit card payment, and displays the transaction record of the transaction in the bankbook. A commercial payment system using a prepaid credit card. [4] The product / service provider sets the maximum credit limit within the deposit amount of the bankbook provided by the financial institution or sets the total of the maximum credit limit within the deposit amount, and issues one sheet. Alternatively, when a commercial transaction is performed with a plurality of prepaid credit cards, the transaction is debited from the bankbook provided by the financial institution, and the bankbook displays the settlement record of the commercial transaction at the financial institution. A commercial payment system using a prepaid credit card. 5. One or more prepaid credit cards issued with the maximum usage limit set within the deposit amount of the bankbook or the total of the maximum usage limit set within the deposit amount of the bankbook By performing a commercial transaction in the same way as a credit card payment, by performing an automatic debit payment from the bankbook and displaying a payment record of the commercial transaction in the bankbook, and performing a commercial transaction with this prepaid credit card A prepaid credit card commercial settlement system, comprising: an information processing device for making a payment from the bankbook of the owner of the prepaid credit card. 6. The prepaid credit card is constructed so that a maximum usage limit can be selected within a range of at least 500,000 yen or less, or at least 5 credits.
6. A method according to claim 1, wherein a plurality of maximum usage limits are set within a range of not more than 10,000 yen, and the maximum usage limit can be selected from the plurality of maximum usage limits. The commercial payment system using a prepaid credit card described in 1. 7. The prepaid credit card is issued as a set together with the bankbook by depositing with a financial institution, or a prepaid credit card is provided on condition that the bankbook is presented to the financial institution. The commercial payment system using a prepaid credit card according to any one of claims 1 to 6, wherein the system is configured to issue the credit card. 8. The maximum use limit of the prepaid credit card is automatically increased by depositing in the passbook, or the maximum use is made by presenting a passbook with an increased remaining balance by depositing. 8. A structure in which another prepaid credit card with an increased limit is issued or another prepaid credit card for the increased deposit balance is issued.
The commercial transaction system using a prepaid credit card according to any one of the above.