JP4119965B2 - Card system - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention relates to a card and a card system using the card.
[0002]
[Prior art]
When making a payment by post-payment with a card when purchasing a product, a system that inserts the card handed by the customer who came to the store into the terminal, inspects the information of the card holder and gives approval for purchase is there.
[0003]
[Problems to be solved by the invention]
Even if such a card that can be electronically settled is a card that is electronically settled by post-payment method, information on whether or not the cardholder's cash withdrawal status is good, and the customer who uses the card at the store owns the card Information on whether or not you are a person is very important.
[0004]
Needless to say, if the price cannot be deducted, the loss on the store side will be great. However, such information on the state of debiting is not immediately known by simply placing the card on the terminal.
[0005]
In addition, even if the debit status is good, if the customer who came to the store is not the card holder, there may be a problem for the card holder. If you know, it is not immediately clear from the terminal alone whether the user is a legitimate owner.
[0006]
In a system in which electronic payment is made by postpayment using such a card, there is no system that can effectively protect both the cardholder and the store side.
[0007]
[Means for Solving the Problems]
The present invention includes a card and a terminal that reads and writes information on the card, and the card is information relating to a purchase history using the card , and at least the type of the purchased product and the purchase for each product. The terminal has a purchase history table in which information including the number is recorded, and the terminal is a preset purchase action other than the purchase amount exceeding the limit, and can be exchanged at any time. A terminal having an abnormal purchase behavior table in which a plurality of patterns of abnormal purchase behavior in a purchase history including a case where the number of purchases of a special product exceeds a normal purchase number is recorded, and the terminal Whether the purchase history recorded in the purchase history table of the card has a history corresponding to the pattern of abnormal purchase behavior in the abnormal purchase behavior table. Judgment, when the corresponding history exists, characterized by a write operation to make a warning flag to the card.
[0008]
DETAILED DESCRIPTION OF THE INVENTION
Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.
[0009]
FIG. 1 is a diagram showing a schematic configuration of a card system according to an embodiment of the present invention. First, this system is basically a card 1 such as an IC card as so-called electronic money for electronic payment, and a customer 2 can use this card 1 to purchase goods. Installed in a store 3 or the like, which is required on-line with a terminal 4 such as a CAT (Credit Authorization Terminal) with a built-in card reader / writer and one or more of the terminals 4 The center 6 is composed of a teleway virtual network that has a customer information negative file 5 that is connected accordingly. The center 6 functions as a customer information providing unit that provides customer information.
[0010]
The card 1 is based on a post-payment method, and a payment mechanism when a product is purchased using the card 1 is, for example, as follows.
[0011]
The card 1 becomes a holder when it is normally issued from a card issuing mechanism (not shown). The cardholder opens a deposit account at an appropriate financial institution such as a bank (not shown) for electronic payment using the card 1. When the cardholder purchases a product at the store 3 using the card 1 as a customer, the purchase price is deducted from the financial institution with which the cardholder deals to the card issuing mechanism, and the card issuing mechanism stores the price at the store. Pay 3
[0012]
Card 1 is different from prepaid cards, and if the cardholder cannot withdraw the money at the financial institution where the account is open, the money cannot be withdrawn from the financial institution to the card issuing mechanism. On the other hand, it is conceivable that a period during which payment cannot be made passes for a predetermined period, for example, three months. Then, for the period when payment is not possible, for example, the first first month is set as a standby period, the next second month is set as a warning period, and the third and subsequent months are stopped.
[0013]
Since the card issuing mechanism can grasp the detailed customer information regarding the holder of the card 1 and the debit, etc., the card issuing mechanism, for example, holds the center 6 in the present embodiment. This customer information may be managed.
[0014]
The card 1 has a microprocessor 7 and a memory 8 like an IC card, and the terminal 4 in the store 3 cannot directly access the memory 8 for the security of the card 1. In order for the terminal 4 to access the memory 8, it is necessary to clear a predetermined activation condition via the microprocessor 7. The memory 8 has a purchase history table 10 in which a purchase history is newly recorded in addition to a conventional table such as a table 9 relating to personal information in which identification information for identifying an individual cardholder is stored as a recording table. is doing. When the data related to the personal information from the terminal 4 coincides with the data stored in the personal information table 9, the microprocessor 7 determines that the activation condition is satisfied and accesses the memory 8 from the terminal 4 Make it possible.
[0015]
The purchase history table 10 stores history data relating to purchases at the store 3 using the card 1. This purchase history data is not limited to the purchase history at the store 3, but is the entire purchase history at other stores. And as this purchase history, for example, the purchase amount of one time, the type of purchased product, the number of purchases for each product, the purchase time zone, the purchase day, the number of purchases on a monthly or daily basis, the purchase is made over many stores Such detailed purchase history data. Accordingly, the terminal 4 accesses the memory 8 and records the data related to the current purchase of the customer 2 in order to add to the purchase history. Before the recording, the data is recorded to protect the purchase using the card 1. Take the following steps:
[0016]
That is, the terminal 4 performs the following procedure before recording the data on the card 1. This will be described below.
[0017]
First, the terminal 4 has a warning table 11 in which data relating to patterns of abnormal purchase behavior is comprehensively stored. As an abnormal purchase behavior pattern, for example, purchasing with a card is usually considered to be a small amount, and since it is a post-payment method, it is an expensive special product that can be exchanged at any time for jewelry such as diamonds, gold and silver products, etc. Then, the purchase behavior 11a for purchasing a product with a high purchase unit price, or even if the purchase unit price is low, the total amount of money exceeds a predetermined amount, or the purchase number of special products exceeds the normal purchase number In addition, even if it is not a special product, the purchase amount of one purchase exceeds the normally assumed purchase amount, or it is used at a number of times exceeding the predetermined number of times normally assumed during the day. Or the purchasing behavior 11b ... used many times at the same store. The terminal 4 accesses the memory 8 of the card 1 and refers to the purchase history by the card 1 and the abnormal purchase behaviors 11a, 11b... Of the warning table 11, and the purchase history by the card 1 becomes the abnormal purchase behavior. If it corresponds, the recording as the purchase history data to the card 1 is stopped, the center 6 is connected online, and the center 6 is requested to transmit the information filed in the customer information negative file 5.
[0018]
In response to this request, the center 6 returns customer information to the terminal 4. Since customer information 5a, 5b, 5c... Is filed in the customer information negative file 5 of the center 6, the terminal 4 refers to the information of customers who have visited the store 3 from this file 5. As described above, this file 5 includes information on debiting whether the card 1 is a waiting period card, a warning period card, or a transaction suspension card, and further from the authorized cardholder. Non-regular information such as cards that have received various contact notifications such as lost notifications and theft reports are filed.
[0019]
Therefore, the terminal 4 refers to the customer information 5a, 5b, 5c,..., And the customer who has visited the store 3 is a regular holder and the payment has not been delayed. If there is a remaining amount, the data related to the current purchase is recorded in the table 10 of the memory 8 as purchase history data. Further, if the customer is a legitimate holder but the card has not been charged, a warning flag is set on the card 1. If the customer is not an authorized holder, the transaction is immediately suspended.
[0020]
Thus, even if the card 1 on which the warning flag is set goes to another store and purchases the product, if the card 1 is put on the terminal of the store, the terminal sets the warning flag of the card. Since it can be referred to, it is possible to take necessary measures without having to connect to the center 6 and refer to the customer information negative file 5, so that the card payment can be protected.
[0021]
In the above-described embodiment, the terminal 4 obtains customer information from the center 6 and performs a processing operation for setting a warning flag on the card 1 based on the customer information. Instead, the terminal 4 itself may perform a processing operation for setting a warning flag for the card 1.
[0022]
FIG. 2 is a flowchart showing the operation of the terminal. When the employee of the store 3 receives the card 1 from the customer 2, the employee inserts the card 1 into the terminal 4. If the terminal 4 determines that the card 1 has been inserted, the card 1 is activated to be usable. Then, before the employee operates the terminal 4 and inputs the data of the purchased product that the customer 2 intends to purchase, the card 1 is checked for the presence of a warning flag. If there is a warning flag, the card 1 is made unusable, the message is displayed on the terminal 4, and then the card 1 is ejected from the terminal 4. Further, when the warning flag is not set, the terminal 4 checks the purchase behavior from the warning table 11 and the purchase history table 10 of the card 1 when the input of all the data is completed. If the purchase behavior is abnormal in this check, recording of the data related to the current purchase for the card 1 is stopped and the center 6 is connected online. This connection may be automatic or may be operated by an employee. When the terminal 4 is connected to the center 6, the customer information is input from the customer information negative file 5 of the center 6. After setting a warning flag on the card 1 from the inputted customer information, the card 1 is discharged from the terminal 4.
[0023]
【The invention's effect】
As described above, according to the present invention, when the purchase history recorded in the purchase history table of the card includes a history corresponding to the abnormal purchase behavior in the abnormal purchase behavior table, the terminal displays a warning flag on the card. (1) First, the terminal can determine from the card purchase history table and the abnormal purchase behavior table that the purchase behavior of the customer visiting the store is abnormal. It is possible to prevent unauthorized purchases by taking predetermined measures at that time. Further, (2) even if the purchase behavior is abnormal, it is possible to prevent unauthorized purchase by connecting with the center just in case and obtaining customer information and taking further predetermined measures from this customer information. (3) A card with a warning flag can be determined to be an abnormal card immediately without having to operate the terminal and input the data of the purchased product, so that unauthorized purchases can be reliably prevented.
[0024]
From the above, according to the present invention, it becomes possible to effectively protect and manage purchases using cards, so that in today's purchasing system society using cards, it will greatly contribute to the promotion of the system in the future. It will be possible.
[Brief description of the drawings]
FIG. 1 is a schematic configuration diagram of a card system according to an embodiment of the present invention. FIG. 2 is a flowchart for explaining operations.
1 Card 2 Customer 3 Store 4 Terminal 5 Customer Information Negative File 6 Center 7 Microprocessor 8 Memory 10 Purchase History Table 11 Abnormal Purchasing Behavior Table

Claims (5)

Including a card and a terminal for reading and writing information on the card,
The card is information relating to a purchase history using the card, and has a purchase history table in which information including at least the type of purchased product and the number of purchases for each product is recorded,
The terminal is a preset purchase behavior other than the purchase price exceeding the limit, and the purchase quantity of expensive special products that can be converted at any time exceeds the normal purchase quantity. An abnormal purchase behavior table in which a plurality of patterns of abnormal purchase behavior in the purchase history including are recorded,
The terminal determines whether or not there is a history corresponding to a pattern for abnormal purchase behavior in the abnormal purchase behavior table in the purchase history recorded in the purchase history table of the card, and the corresponding history When there is a card system, the card system is characterized in that a write operation is performed to set a warning flag on the card.   The terminal is connected to a customer information providing unit in a center, obtains customer information about the card from the customer information providing unit, and performs a processing operation for setting the warning flag based on the customer information. The card system according to claim 1. A card, a terminal, and a customer information provider at the center.
The card is information relating to a purchase history using the card, and has a purchase history table in which information including at least the type of purchased product and the number of purchases for each product is recorded,
The terminal is a preset purchase behavior other than the purchase price exceeding the limit, and the purchase quantity of expensive special products that can be converted at any time exceeds the normal purchase quantity. An abnormal purchase behavior table in which a plurality of patterns of abnormal purchase behavior in the purchase history including are recorded,
The center stores customer information about the card as a file,
The terminal determines whether or not there is a history corresponding to a pattern for abnormal purchase behavior in the abnormal purchase behavior table in the purchase history recorded in the purchase history table of the card, and the corresponding history If there is, the customer information providing unit of the center is connected online to obtain customer information about the card, and referring to the obtained customer information, it is determined whether or not the customer's debit is delayed. A card system characterized by performing a writing operation to determine and set a warning flag on the card when payment is delayed.   4. The card system according to claim 2, wherein a customer information providing unit of the center is provided in a card issuing mechanism that issues the card.   4. The card system according to claim 2, wherein the customer information is information such as a notification of contact from the card holder and a payment status for purchase.

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