JP2002183627A - Notification method for card use detailed information, card information transmitter, card management device and information terminal equipment - Google Patents

Abstract

PROBLEM TO BE SOLVED: To immediately acquire the usage status of a card. SOLUTION: When using a card such as a credit card, card use detailed information is transmitted to an information terminal specified by a card registrant. The card registrant can thereby acquire the use information of the card as soon as possible. The store side using the card in this manner, the card management side and information receiving terminal equipment side of a card company, and the whole system are constructed. Since the card registrant can confirm the use contents of the card by the transfer processing, when it is not the card use detailed information by the card use of oneself, fraudulent use of the card by others would be found out immediately. The presence of fraudulent use can thereby be checked in addition to the confirmation of the use contents of the card. An ex-posto factor countermeasure such as applying for the use stop of the card to a card company can be quickly taken, when the card is fraudulently used. The expansion of damage by the fraudulent use of the card can thereby be prevented.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method for reporting card usage statement information, a card information transmitting device, a card management device, and an information terminal device. Specifically, when a payment is made using a card, the payment details are transferred and displayed on the information terminal device specified by the card registrant as soon as possible, and unauthorized use by instant confirmation of the payment details, etc. It is possible to achieve prevention.

[0002]

2. Description of the Related Art At present, credit lending using cards has become widespread. The contents of the card settlement at that time are periodically sent from a card company (generally a card credit company) that has registered the card (credit card). From the card usage statement information sent from the card company, the content used in the month and the usage amount can be confirmed.

[0003]

By the way, since the card use statement information sent from the card company is sent periodically, it is often the case that the information is usually given on a monthly basis, such as at the beginning of the month or at the end of the month. Therefore, if a card is used at the beginning of the previous month, the card usage details arrive at the card user (often a card registrant who has contracted with a card company) after one month has passed.

[0004] Therefore, when the card is lost and the card is illegally used, and the card user (card holder) is not aware of the loss, the damage may be serious. In such a case, it is often the responsibility of the user, and in many cases, the card user must bear all of the money improperly used.

[0005] When a card is used, if the card usage status can be confirmed as soon as possible, it is possible to know that the card has been lost.
This will prevent the damage from spreading.

The present invention has been made to solve such a conventional problem. In particular, the present invention allows a card registrant to be notified (notified) of card use detailed information as soon as possible, thereby enabling the card use detailed information to be notified. An object of the present invention is to provide a method of reporting card usage statement information, a card information transmitting device, a card management device, and an information terminal device, which enable confirmation to be performed quickly and easily.

[0007]

According to a first aspect of the present invention, there is provided a method of reporting card usage statement information according to the present invention, wherein a card such as a credit card is used. By transmitting information to an information terminal designated by the card registrant, the card registrant can obtain the card use information as quickly as possible.

In the card information transmitting apparatus according to the present invention, a card reader such as a credit card, a printer that prints out the card use statement information of the card, and the card use statement information are indicated. A transmission unit for transmitting card usage statement information with identification information, and when using the card, sends the card usage statement information to the card management device side where the card is registered as soon as possible. It is characterized in that it is transmitted.

According to a seventh aspect of the present invention, there is provided a card management apparatus for transmitting / receiving card usage statement information, and referring to the card usage statement information received by the transmission / reception section and using the same card. A collation / transmission processing unit for transmitting usage statement information, analyzing identification information indicating that the card usage statement information is attached to the card usage statement information, and when the identification information is attached, The received card usage statement information is transmitted to the information terminal of the card registrant as quickly as possible.

Further, in the information terminal device according to the present invention, a transmitting / receiving unit having a line connection function, a memory means for storing received card use statement information as required, A display unit for displaying usage details information, wherein the card registrant can check the card usage details information displayed on the display unit as quickly as possible.

According to the present invention, when a card is used, the card use detailed information is transferred to a terminal device designated by a card registrant (usually the same as the card user) as soon as possible. In this way, the store side using the card, the card management device side of the card company, the terminal device receiving information, and the entire system are constructed.

Since the card registrant can confirm the details of use of the card by this transfer processing, if the card use detailed information is not the card use detailed information of his / her own card use, it is immediately recognized that the card is illegally used by another person. As a result, in addition to confirming the contents of the card usage, it is possible to check for the presence of unauthorized use, so if the card is used illegally, it is possible to take prompt measures such as applying to the card company to stop using the card. It is possible to prevent the damage caused by unauthorized use of the card from spreading.

[0013]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Next, an embodiment of a method for reporting card usage statement information, a card information transmitting device, a card management device and an information terminal device according to the present invention will be described in detail with reference to the drawings.

FIG. 1 is an overall block diagram of a reporting system of card usage statement information. For example, a plurality of card companies such as credit companies that issue credit cards are provided with a card management device that configures each site. (Management system) 12 (12A, 12B,...) Is provided. In each card management device 12, customer information is stored in a database, and card usage status, payment status, and the like are centrally managed.

The card management device 12 is a card information transmission device 14 (14A, 14B,...) Installed in a plurality of stores via a network 16 such as the Internet or a telephone network.
・) Is always or always connected. The card information transmitting device 14 has a card 18 such as a credit card.
By inserting (18A, 18B,...), The card usage statement information is printed out. Further, the card use statement information is transmitted to the card management device 12 of the card company, and the information is stored.

The stored card usage statement information is transmitted at an appropriate timing to an information terminal device designated by a card registrant. For this reason, as shown in FIG. 1, in this embodiment, a base station 20 for transmission and reception is connected to the line network 16, and the information terminal device is wirelessly connected via the base station 20.
In this embodiment, the data is transmitted to the mobile phone 22.

The mobile phone 22 is provided with a display unit 24 for displaying the received card usage statement information. As the display unit 24, a display unit for a mobile phone can be used. In addition to the mobile phone 22, the information terminal device may be a terminal device 26 such as a personal computer installed in each home. In this case, the terminal device 26 and the line network 16 are mutually connected via the line connection base station of the provider. The received card usage statement information is displayed on a monitor 28 provided for the terminal device 26 as well.

FIG. 2 shows an embodiment of the card information transmitting device 14 in the reporting system of the card use statement information.
As is well known, the card information transmitting device 14 has a card reading device (card reader) 32, and in this embodiment, has a transmitting unit 34 of card usage statement information.

The card reader 32 has a printer unit 3
5 and a built-in memory 36.
The built-in memory 36 temporarily stores card usage statement information printed out to the printer unit 35, and stores a control program for executing a predetermined transmission process.

In this embodiment, the transmitting section 34 has a function of connecting to the network 16 such as the Internet. When a telephone network is used in accordance with a conventional card use example, the transmitting section 34 serves as a normal card information transmitting section. Will work.

FIG. 3 shows an example of a processing procedure for executing the card usage statement information transmission processing stored in the memory means 36 described above.
The read processing of the card 18 is performed (step 4).
2) By inputting the usage amount and the like, card usage details information is created (step 44).

The card use detailed information includes the date and time of use of the card 18, the name of the store in use, the amount of use, and the like, in addition to the ID number of the card user (card registrant). The card usage statement information is supplied to the printer unit 35 and printed out, and the card user signs it (step 46).

In this embodiment, special identification information (ID) indicating card usage specification information is added as header information and transmitted to the card management device 12 (step 48). If there is no special identification information, the card management device 12 processes it as mere card usage information. By adding the special identification information,
Still another processing (transmission processing to the card registrant described later) can be executed.

FIG. 4 shows an embodiment of the outline of the card management device 12, which is used to perform a transmission / reception section 52 capable of transmitting / receiving data to / from the Internet or the telephone line network 16 and a collation / transmission processing of card usage statement information. A collation / transmission processing unit 56 using a computer is provided. The collation / transmission processing unit 56 is connected to a database 58 in which registered customer information, a destination of card usage statement information, and the like are registered.

The card use statement information (data) received by the transmitting / receiving unit 52 is compared with the card registrant, and an inquiry is made as to whether the card registrant's account at the designated financial institution has received a prescribed amount or more. The processing is performed by the matching / transmission processing unit 56 with reference to the registration information in the database 58.

The collation / transmission processing unit 56 further checks the identification information added to the card usage statement information, and when this identification information is present, information on the transmission destination designated by the card registrant registered in the database 58 Transmission processing for the terminal devices 22 and 26 is performed.

Therefore, when using the reporting system of the card usage statement information, the card company and the card registrant first register in advance where to send the card usage statement information. There is a need. For example, whether the mobile phone 22 is the destination, the personal computer 26, or whether the mobile phone 22 is selected as the priority destination is registered.

FIG. 5 is a flow chart showing an example of the procedure of the collation and transmission processing. When the card use detailed information is received (step 62), the data of the card user extracted from the card use detailed information and the database Confirmation processing is performed with the card contractor (card registrant) registered in 58 (step 64).

After this confirmation processing, the special identification information added to the card usage statement information is checked. If it is determined that the special identification information is added, the card registration is performed by referring to the database 58. The information terminal device 22 (26) that searches for the transmission destination of the
Is transmitted (step 66). When the information terminal device 22 is in the busy state, retransmission processing is performed.

It is preferable that the timing at which the card usage statement information is received and then transmitted to the information terminal device 22 be as early as possible, such as within 10 minutes after the reception.
It takes place within 24 hours at the latest. As a result, immediate acquisition of the card usage statement information is secured.

FIG. 6 shows an embodiment of the information terminal device 22. In this embodiment, a mobile phone is used, and in this embodiment, the transmission / reception unit 72 having a simple connection function to the Internet such as “i-mode” is used in consideration of the case of using the Internet. Have. The transmitting / receiving section 72 is connected to a transmitting section 74 and a receiving section 76, and the transmitting / receiving section 72 is provided with a control section 78 on which a microcomputer is mounted.

The control unit 78 has a memory means (ROM, etc.) 80 for storing a control program for displaying and storing card usage statement information and the like, and a memory for temporarily storing card usage statement information and the like. Means (RAM
82) are provided in association with each other. Further, the control unit 78 is provided with a display unit 84 such as an LCD and a key operation unit 86.

FIG. 7 shows an example of processing when the card usage statement information is input. When the transmission / reception section 72 receives the card usage statement information transmitted from the card management device 12 (step 92), the information is transmitted. Once stored in the memory means 82 (step 94). Thereafter, the information is transferred to the display section 84, and the card usage statement information is displayed (step 96). If the mobile phone 22 has a printout function, the information is printed out and used for subsequent confirmation.

Therefore, from the display contents displayed on the display section 84, it is possible to confirm at least "when, where, and how much money" has been used. A card registrant can clearly understand when, where, and how much money he / she has used without anybody's help. As a result, when the card is used by a person other than the card registrant, a measure to prohibit the use of the card can be taken promptly.

In this way, even if the card is temporarily stolen and illegally used, and then returned to the back of the card registrant, even if the card itself is held by the card registrant, the card is temporarily Recognize that it has been abused. The type of card applied in the present invention does not matter.

[0036]

As described above, according to the present invention, when a card is used, the card use detailed information is transferred to the terminal device designated by the card registrant as soon as possible. By doing so, the card registrant can check the details of use of the card.
It is immediately recognized that the card has been illegally used by another person. As a result, in addition to checking the contents of the card usage, it is possible to check for unauthorized use, so if the card is used illegally, it is possible to take prompt measures such as applying to the card company to stop using the card. It is possible to prevent the damage caused by unauthorized use of the card from spreading.

[Brief description of the drawings]

FIG. 1 is a system diagram showing an embodiment of a reporting system for card use statement information according to the present invention.

FIG. 2 is a system diagram of a main part showing an embodiment of a card information transmitting device.

FIG. 3 is a flowchart illustrating an example of a card usage statement information transmission process at that time.

FIG. 4 is a system diagram of a main part showing an embodiment of a card management device.

FIG. 5 is a flowchart showing an example of a card use statement information transmission process at that time.

FIG. 6 is a system diagram of a main part showing an embodiment of the information terminal device.

FIG. 7 is a flowchart showing an example of display processing of card usage statement information at that time.

[Explanation of symbols]

10 ... Card usage statement information reporting system, 12 ...
・ Card management device (site), 14: card information transmission device (client), 16: circuit network, 20
・ Transmission / reception base station, 22 ・ ・ ・ Mobile phone, 26 ・ ・ ・ PC

Claims (10)

[Claims] 1. When a card such as a credit card is used, this card use statement information is transmitted to an information terminal designated by the card registrant, so that the card use information can be transmitted as quickly as possible to the card registrant. A method for reporting card usage statement information, wherein the information is available. 2. The card according to claim 1, wherein the card usage statement information is transmitted from a card management apparatus of a card contracting company contracted by the card registrant to an information terminal of the card registrant. How to report usage details information. 3. The method for reporting card usage statement information according to claim 1, wherein said card usage statement information includes at least information indicating a date and time of use, a store in use, and a usage fee. 4. The method according to claim 2, wherein the information terminal of the card registrant is registered as a report destination in the card management device. 5. The method according to claim 1, wherein the information terminal of the report destination is a portable terminal device or a terminal device installed in a home. 6. A card reader such as a credit card, a printer for issuing card usage statement information of the card, and a transmission unit for transmitting card usage statement information with identification information indicating the card usage statement information. When using the above card, the card usage statement information,
A card information transmitting device for transmitting a card to a card management device in which the card is registered as soon as possible. 7. A transmission / reception unit for transmitting / receiving card usage statement information, and a collation / transmission processing unit for referring to the card usage statement information received by the transmission / reception unit and transmitting the same card usage statement information. Analyzing the identification information indicating that the card usage statement information is the card usage statement information attached to the card usage statement information, and when the identification information is added, the received card usage statement information is transmitted to the information terminal of the card registrant. A card management device characterized in that the data is transmitted as soon as possible. 8. The card management device according to claim 7, wherein the collation / transmission processing unit is provided with a memory unit for registering a transmission destination set by the card registrant in advance. 9. A transmission / reception unit having a line connection function, a memory means for storing received card use statement information as required, and a display unit for displaying the received card use statement information, An information terminal device characterized in that the card registrant can check the card usage statement information displayed on the section as quickly as possible. 10. The information terminal device according to claim 9, wherein the information terminal device is a portable terminal device or a terminal device installed in a home.