Credit card management device

Abstract

To provide a credit card management device for enabling a user of a credit card to temporarily use the credit card beyond normal usage limits of the credit card.SOLUTION: A credit card management device 10 includes an acquisition unit 111 for acquiring second account information related to a deposit of a second account which is mutually different from a first account from which a usage charge of a credit card is withdrawn and which has the same nominee as a nominee of the first account, a determination unit 112 for determining whether there is a temporary deposit in the second account on the basis of the second account information, and a usage limit setting unit 113 for setting usage limits of the credit card on the basis of the temporary deposit shown by the second account information when a determination result of the determination unit 112 is affirmative.SELECTED DRAWING: Figure 2

Description

[Technical field]

[0001] The present invention relates to a credit card management device. [Background technology]

[0002] In order to increase convenience for credit card users, there is a conventional technique for setting a credit card credit limit based on the transaction status of the credit card's debit account.

[0003] For example, Patent Document 1 discloses a credit card processing system having a means for identifying a credit card withdrawal account, a means for acquiring account transaction information that indicates the transaction status of the identified withdrawal account, and a means for setting a credit card credit limit based on the acquired account transaction information. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] JP 2004-102787 A Summary of the Invention [Problem to be solved by the invention]

[0005] However, the technology disclosed in Patent Document 1 was unable to accommodate a case where, once a credit limit had been set, a user wanted to temporarily exceed the normal credit limit of their credit card, for example due to an unexpected expense.

[0006] SUMMARY OF THE PRESENT EMBODIMENT An object of the present invention is to provide a credit card management device that allows a credit card user to temporarily use a credit card beyond the normal credit limit. [Means for solving the problem]

[0007] A credit card management device according to a preferred embodiment of the present invention comprises an acquisition unit that acquires second account information regarding a deposit into a second account that is different from a first account from which a credit card usage fee is withdrawn and whose account holder is the same as that of the first account, a judgment unit that judges based on the second account information whether or not a temporary deposit different from normal times has been made into the second account, and a credit limit setting unit that sets the credit limit of the credit card based on the amount of the temporary deposit indicated by the second account information if the judgment result by the judgment unit is positive. Effect of the Invention

[0008] According to the present invention, a credit card user can temporarily use the credit card beyond the normal credit limit. [Brief description of the drawings]

[0009] [Figure 1] 1 is a block diagram showing the overall configuration of a credit card management system 1. FIG. [Diagram 2] FIG. 2 is a block diagram showing an example of the configuration of a management server 10. [Diagram 3] 1 is a table showing an example of the configuration of a card information database CDB. [Figure 4] 1 is a table showing an example of the configuration of the account information database ADB. [Diagram 5] An explanatory diagram regarding the timing of temporary deposits and increases in credit limit. [Figure 6] FIG. 2 is a block diagram showing an example of the configuration of a user device 20. [Figure 7] 4 is a flowchart showing the operation of the management server 10.

[0010] 1: Implementation The credit card management system 1 according to this embodiment will be described below with reference to the drawings.

[0011] 1-1: Configuration of the embodiment 1-1-1: Overall composition FIG. 1 is a block diagram showing the overall configuration of a credit card management system 1 according to this embodiment. As shown in FIG. 1, the credit card management system 1 includes a management server 10, a user device 20, a first financial institution server BS1, and a second financial institution server BS2. The management server 10, the user device 20, the first financial institution server BS1, and the second financial institution server BS2 are communicatively connected to each other via a communication network NET. Note that only one user device 20 is shown in FIG. 1. However, the credit card management system 1 may include multiple user devices 20. Also, FIG. 1 shows two financial institution servers, a first financial institution server BS1 and a second financial institution server BS2. However, the number of financial institution servers may be any number.

[0012] The management server 10 manages information related to credit cards used by credit card users. More specifically, the management server 10 manages the credit card's credit limit, and generates payment information for debiting the payment amount associated with credit card usage from a payment account within the credit limit. The management server 10 is an example of a "credit card management device."

[0013] The user device 20 is a device used by a credit card user. The user can purchase products or services on the Internet by inputting information including a credit card number, for example, into the user device 20. The user device 20 is an example of a "terminal device."

[0014] Furthermore, the user transmits from the user device 20 to the management server 10 quota increase information indicating a request for an increase in the usage quota.

[0015] The first financial institution server BS1 is a server used by a first financial institution, and manages information related to the first account of a credit card user. Note that "financial institution" includes banks, post offices, and credit unions. The first account is used to withdraw the charges for credit card use. The first account information related to the first account is sent from the first financial institution server BS1 to the management server 10.

[0016] The second financial institution server BS2 is a server used by the second financial institution, and manages information related to the second account of the credit card user. The account holder of the second account is the same as the account holder of the first account. The second financial institution server BS2 transmits second account information related to the second account to the management server 10.

[0017] 1-1-2: Configuration of Management Server 10 Fig. 2 is a block diagram showing a configuration example of the management server 10. As shown in Fig. 2, the management server 10 includes a processing device 11, a storage device 12, a communication device 13, a display device 14, and an input device 15. The elements of the management server 10 are connected to each other by a single or multiple buses for communicating information. Note that the term "apparatus" in this specification may be replaced with other terms such as a circuit, a device, or a unit.

[0018] The processing device 11 is a processor that controls the entire management server 10. The processing device 11 is configured, for example, using one or more chips. The processing device 11 is also configured, for example, using a central processing unit (CPU) including an interface with peripheral devices, an arithmetic unit, and a register. Some or all of the functions of the processing device 11 may be realized by hardware such as a DSP (Digital Signal Processor), an ASIC (Application Specific Integrated Circuit), a PLD (Programmable Logic Device), and an FPGA (Field Programmable Gate Array). The processing device 11 executes various processes in parallel or sequentially.

[0019] The storage device 12 is a recording medium that can be read and written by the processing device 11. The storage device 12 includes, for example, a nonvolatile memory and a volatile memory. The nonvolatile memory is, for example, a ROM (Read Only Memory), an EPROM (Erasable Programmable Read Only Memory), and an EEPROM (Electrically Erasable Programmable Read Only Memory). The volatile memory is, for example, a RAM (Random Access Memory). The storage device 12 also stores a control program PR1 executed by the processing device 11. The storage device 12 also functions as a work area for the processing device 11.

[0020] Furthermore, the storage device 12 stores a card information database CDB and an account information database ADB. The card information database CDB is a database that stores information about credit cards. The account information database ADB is a database that stores information about first and second accounts linked to the credit cards.

[0021] FIG. 3 is a table showing an example of the configuration of the card information database CDB. In the example shown in FIG. 3, the card information database CDB associates card numbers, account information related to accounts, and credit limit amounts as information related to credit cards. The account information includes information indicating the account ID, account flag, financial institution code, branch code, account holder, account type, and account number of each account. Here, the "account ID" is an identifier for each account. Also, the "account flag" is information indicating whether each account is the first account or the second account described above. For example, an account with an account flag of "A" corresponds to the first account. An account with an account flag of "B" corresponds to the second account.

[0022] 3, for example, information indicating a card number of "3564412" is associated with two pieces of information: information indicating an account with an account ID of "001" and information indicating an account with an account ID of "002". The account with the account ID of "001" has an account flag of "A", i.e., a first account, a financial institution code of "4362", a branch code of "224", an account holder of "NA", an account type of "2" indicating a regular deposit, and an account number of "1309726". The account with the account ID of "002" has an account flag of "B", i.e., a second account, a financial institution code of "5681", a branch code of "115", an account holder of "NA", an account type of "2" indicating a regular deposit, and an account number of "3598762". Furthermore, information indicating that the card number is "3564412" is associated with information indicating that the credit limit is 800,000 yen.

[0023] Furthermore, the information indicating that the card number is "7365198" is associated with information indicating one account with an account ID of "003." The account with the account ID of "003" has an account flag of "A," i.e., a first account, a financial institution code of "3765," a branch code of "121," an account holder name of "BA," an account type of "9" indicating a current account, and an account number of "6798765." Furthermore, information indicating that the card number is "7365198" is associated with information indicating that the credit limit is 1 million yen.

[0024] In the card information database CDB shown in Fig. 3, the account ID in the last line is "klm", where k, l, and m are integers. Also, k, l, and m may be equal to each other or different from each other.

[0025] Fig. 4 is a table showing an example of the configuration of the account information database ADB. In the example shown in Fig. 4, the account information database ADB has four data sets DS(1) to DS(4) for the sake of simplicity. However, in reality, the account information database ADB has data sets DS corresponding to all accounts with account IDs "001" to "klm" shown in Fig. 3.

[0026] Data set DS(1) has information showing the history of deposits, withdrawals, and the balance at each point in time for the account with account ID "001." Similarly, data sets DS(2) to DS(4) have information showing the history of deposits, withdrawals, and the balance at each point in time for the accounts with account IDs "002" to "004."

[0027] In the table shown in FIG. 4, for example, the data set DS(1) corresponding to the account ID="001" includes information indicating that a deposit of 500,000 yen was made from Company A on April 18, 2023, and that the deposit balance became 1.2 million yen. The data set DS(1) also includes information indicating that a deposit of 300,000 yen was made from Mr. DW on April 29, 2023, and that the deposit balance became 1.5 million yen. The data set DS(1) also includes information indicating that a withdrawal of 100,000 yen was made on May 1, 2023, and that the deposit balance became 1.4 million yen. The data set DS(1) also includes information indicating that a deposit of 200,000 yen was made from Company B on May 10, 2023, and that the deposit balance became 1.6 million yen. The data set DS(1) also includes information indicating that a withdrawal of 150,000 yen was made on May 15, 2023, and that the deposit balance became 1.45 million yen. Dataset DS(1) also includes information indicating that a withdrawal of 50,000 yen was made on May 17, 2023, resulting in a deposit balance of 1.4 million yen. Dataset DS(1) also includes information indicating that a deposit of 300,000 yen was made by Mr. UK on July 4, 2023, resulting in a deposit balance of 2.3 million yen.

[0028] 2, the communication device 13 is hardware as a transmitting / receiving device for communicating with other devices. The communication device 13 is also called, for example, a network device, a network controller, a network card, and a communication module. The communication device 13 may include a connector for wired connection and a wireless communication interface. Examples of the connector and interface circuit for wired connection include products that comply with wired LAN, IEEE1394, and USB. Examples of the wireless communication interface include products that comply with wireless LAN, Bluetooth (registered trademark), and the like.

[0029] The display device 14 is a device for displaying images. The display device 14 displays various images under the control of the processing device 11.

[0030] The input device 15 is a device that accepts operations by a user of the management server 10. The input device 15 outputs an operation signal corresponding to the operation by the user to the processing device 11. The input device 15 is configured by, for example, a keyboard and a pointing device.

[0031] In the above configuration, the processing device 11 reads out the control program PR1 from the storage device 12. The processing device 11 executes the read out control program PR1 to function as an acquisition unit 111, a determination unit 112, a usage limit setting unit 113, a settlement unit 114, and a communication control unit 115.

[0032] The acquisition unit 111 acquires first account information related to the first account from the first financial institution server BS1 via the communication device 13. The first account information includes the current deposit balance. The acquisition unit 111 also acquires second account information related to the second account from the second financial institution server BS2 via the communication device 13. As described above, the second account is different from the first account and has the same account holder as the first account. The acquisition unit 111 stores the acquired first account information and second account information in the account information database ADB. Furthermore, the acquisition unit 111 acquires, via the communication device 13, request information from the user device 20 indicating a request for an increase in the slot.

[0033] The determination unit 112 determines whether or not there has been a temporary deposit in the second account, based on the second account information acquired by the acquisition unit 111. There are temporary deposits and regular deposits. A temporary deposit means a deposit other than a regular deposit. Examples of regular deposits include pensions, salaries, bonuses, and rental income. Examples of temporary deposits include refunds upon cancellation of life insurance and capital gains on stocks.

[0034] Here, "periodic deposits" refers to deposits made periodically to a second account by the same remitter. For example, a deposit made by the same remitter to a second account on a pre-determined date each month constitutes a periodic deposit. However, if the pre-determined date falls on a Saturday or Sunday, a deposit made by the same remitter to a second account on the Friday immediately preceding that Saturday or Sunday in question in the same month would also constitute a periodic deposit. Note that even if the amount of the deposit fluctuates from month to month, it still constitutes a periodic deposit.

[0035] For example, if it is predetermined that a salary of 250,000 yen will be transferred from Company A on the 25th of every month, but the 25th of this month is a Sunday, the judgment unit 112 will judge the 250,000 yen transferred from Company A on Friday the 23rd of this month to be a "regular deposit."

[0036] In order to determine whether a deposit is a "periodic deposit" or a "one-off deposit," the determination unit 112 detects the period of deposits from the same remitter based on past second account information. For example, for a salary paid monthly, a period of about one month is detected. Also, for a bonus paid every six months, a period of about six months is detected. A predetermined margin is set aside for the detected periodicity. The margin may be, for example, ±3 days.

[0037] The determination unit 112 determines, based on the detected period, whether each deposit is a deposit periodically transferred from the same remitter to the second account. If the determination result is positive, the deposit corresponds to a "periodic deposit." If the determination result is negative, the deposit corresponds to a "one-off deposit."

[0038] In addition, the determination unit 112 determines that any deposit other than the regular deposit is a one-time deposit.

[0039] If the determination result by the determination unit 112 is positive, the credit limit setting unit 113 sets the credit limit of the credit card based on the amount of the deposit determined by the determination unit 112 to be a temporary deposit.

[0040] FIG. 5 is an explanatory diagram of the timing of temporary deposit and increase in credit limit. In FIG. 5, the first period from the first closing date t1 of the credit card to the second closing date t2, which is the next closing date, is defined as L1. The second period from the second closing date t2 of the credit card to the third closing date t3, which is the next closing date of the second closing date t2, is defined as L2. Here, it is assumed that a temporary deposit P was made in the second account at date and time T1 during the first period L1. The credit limit setting unit 113 increases the credit limit of the first period L1 based on the amount of the deposit P. More specifically, the credit limit setting unit 113 increases the credit limit of the first period L1 by a larger amount as the amount of the deposit P increases. The credit limit setting unit 113 may set the amount of increase in the credit limit based on the deposit balance in the second account at date and time T1 in addition to the amount of the deposit P. More specifically, the credit limit setting unit 113 may increase the amount of increase in the credit limit for the first period L1 the larger the deposit balance in the second account at date and time T1. Furthermore, the usage limit setting unit 113 increases the usage limit at any time during the period from the date and time T1 to the second closing date t2. Furthermore, after increasing the usage limit for the first period L1, the usage limit setting unit 113 returns the usage limit for the second period L2 to the amount before the increase.

[0041] The credit limit setting unit 113 may increase the credit limit of the credit card whenever there is a temporary deposit P in the second account during the first period L1. Alternatively, the credit limit setting unit 113 may increase the credit limit of the credit card only when there is a temporary deposit P in the second account during the first period L1 and the acquisition unit 111 acquires request information indicating a request for an increase in the credit limit from the user device 20.

[0042] In Figure 2, the settlement unit 114 debits the total amount W of the payment closed on the second closing date t2 in Figure 5 from the first account, or from both the first account and the second account, on a payment date T2 that is after the second closing date t2.

[0043] If the total payment amount W is equal to or less than the deposit balance of the first account on payment date T2, the settlement unit 114 debits the total payment amount W from the first account. In this case, more specifically, the settlement unit 114 generates payment information for debiting the total payment amount W from the first account. The settlement unit 114 also causes the communication device 13 to transmit the payment information to the first financial institution server BS1. The first financial institution server BS1 debits the total payment amount W from the first account based on the payment information received from the management server 10.

[0044] If the total payment amount W exceeds the deposit balance of the first account indicated by the first account information on the payment date T2, the settlement unit 114 debits at least the excess amount from the second account and debits the remaining amount from the first account. In this case, more specifically, the settlement unit 114 generates first settlement information for debiting at least the excess amount from the second account. The settlement unit 114 also causes the communication device 13 to transmit the first settlement information to the second financial institution server BS2. The second financial institution server BS2 debits at least the excess amount from the second account based on the first settlement information received from the management server 10. The settlement unit 114 also generates second settlement information for debiting the amount of the total payment amount W other than the amount to be debited from the second account from the first account. The settlement unit 114 also causes the communication device 13 to transmit the second settlement information to the first financial institution server BS1. Based on the second settlement information received from the management server 10, the first financial institution server BS1 debits from the first account the amount other than the amount to be debited from the second account.

[0045] In addition, if the total payment amount W exceeds the deposit balance of the first account indicated by the first account information on the payment date T2, the amounts to be debited from the first account and the second account may each be set arbitrarily by the user of the user device 20.

[0046] In FIG. 2, a communication control unit 115 causes communication device 13 to transmit and receive various information between first financial institution server BS1, second financial institution server BS2, and user device 20.

[0047] 1-1-3: Configuration of user device 20 Fig. 6 is a block diagram showing a configuration example of the user device 20. As shown in Fig. 6, the user device 20 includes a processing device 21, a storage device 22, a communication device 23, a display device 24, and an input device 25. The elements of the user device 20 are connected to each other by one or more buses for communicating information.

[0048] The processing device 21 is a processor that controls the entire user device 20. The processing device 21 is configured, for example, using one or more chips. The processing device 21 is also configured, for example, using a central processing unit (CPU) including an interface with peripheral devices, an arithmetic unit, and a register. Some or all of the functions of the processing device 21 may be realized by hardware such as a DSP, an ASIC, a PLD, and an FPGA. The processing device 21 executes various processes in parallel or sequentially.

[0049] The storage device 22 is a recording medium that can be read and written by the processing device 21. The storage device 22 includes, for example, a nonvolatile memory and a volatile memory. The nonvolatile memory is, for example, a ROM, an EPROM, and an EEPROM. The volatile memory is, for example, a RAM. The storage device 22 also stores a control program PR2 executed by the processing device 21. The storage device 22 also functions as a work area for the processing device 21.

[0050] The communication device 23 is hardware as a transmitting / receiving device for communicating with other devices. The communication device 23 is also called, for example, a network device, a network controller, a network card, and a communication module. The communication device 23 may include a connector for wired connection and a wireless communication interface. Examples of the connector and interface circuit for wired connection include products that comply with wired LAN, IEEE1394, and USB. Examples of the wireless communication interface include products that comply with wireless LAN, Bluetooth (registered trademark), and the like.

[0051] The display device 24 is a device for displaying images. The display device 24 displays various images under the control of the processing device 21.

[0052] The input device 25 is a device that accepts operations by the credit card owner. The input device 25 outputs an operation signal corresponding to the operation by the credit card owner to the processing device 21. The input device 25 is composed of, for example, a keyboard and a pointing device.

[0053] In the above configuration, the processing device 21 reads out the control program PR2 from the storage device 22. The processing device 21 executes the read out control program PR2 to generate, for example, request information indicating the request for an increase in the slots. The processing device 21 also transmits the generated request information to the management server 10 via the communication device 23.

[0054] 1-2: Operation of the embodiment FIG. 7 is a flowchart showing the operation of the management server 10 according to this embodiment.

[0055] In step S1, the processing device 11 functions as an acquisition unit 111. The processing device 11 acquires, via the communication device 13, from the second financial institution server BS2, second account information regarding a deposit to a second account that is different from a first account from which the credit card charge is debited and whose account holder is the same as the account holder of the first account.

[0056] In step S2, the processing device 11 functions as the determination unit 112. The processing device 11 determines whether or not a temporary deposit different from normal times has been made to the second account based on the second account information acquired in step S1. If a temporary deposit has been made ("YES" in step S2), the processing device 11 executes the operation of step S3. If a temporary deposit has not been made ("NO" in step S2), the processing device 11 executes the operation of step S1.

[0057] In step S3, the processing device 11 functions as the credit limit setting unit 113. The processing device 11 sets the credit limit of the credit card based on the temporary deposit amount indicated by the second account information. After that, the processing device 11 executes the process of step S1 (return).

[0058] 1-3: Effects of the embodiment Management server 10 as a credit card management device according to this embodiment includes acquisition unit 111, judgment unit 112, and credit limit setting unit 113. Acquisition unit 111 acquires second account information relating to a deposit into a second account that is different from a first account from which the credit card charges are withdrawn and whose account holder is the same as the account holder of the first account. Based on the second account information, judgment unit 112 judges whether or not there has been a temporary deposit into the second account that is different from normal times. If the judgment result by judgment unit 112 is positive, credit limit setting unit 113 sets the credit card credit limit based on the amount of the temporary deposit indicated by the second account information.

[0059] By providing the above configuration, the management server 10 allows a credit card user to temporarily use the credit card beyond the normal credit limit. In particular, even if the balance of the payment account from which the credit card usage amount is debited remains the same as usual, if a temporary deposit is made to another account, the management server 10 can change the credit card's credit limit based on the deposit.

[0060] In addition, in the management server 10, the credit limit setting unit 113 increases the credit limit for the first period L1, which is from the first closing date t1 of the credit card to the second closing date t2, which is the next closing date, based on the amount of the temporary deposit P deposited into the second account.

[0061] Since the management server 10 has the above-mentioned configuration, if there is a temporary deposit in the separate account by the next closing date, the credit card's credit limit can be increased in the first period L1 until the next closing date.

[0062] In addition, in the management server 10, after increasing the usage limit of the first period L1, the usage limit setting unit 113 returns the usage limit of the second period L2 from the second closing date t2 to the third closing date t3, which is the next closing date after the second closing date t2, to the usage limit before the increase.

[0063] Since the management server 10 has the above-mentioned configuration, the credit card management company can manage risk more carefully by temporarily increasing the credit card's credit limit and then restoring it to the normal credit limit.

[0064] Furthermore, in the management server 10, the credit limit setting unit 113 increases the credit limit at any point during the period from the time when the second account is credited to the second closing date t2.

[0065] Since the management server 10 has the above-mentioned configuration, if a temporary deposit is made before the second closing date t2, the usage limit can be increased at the latest at the time of the second closing date t2.

[0066] In addition, in the management server 10, the acquisition unit 111 acquires request information indicating a request for an increase in credit limit from the user device 20, which is a terminal device used by the user of the credit card. When the acquisition unit 111 acquires the request information, the determination unit 112 determines whether or not a temporary deposit different from normal times has been made to the second account.

[0067] Since the management server 10 has the above configuration, it is possible to temporarily increase the capacity according to the needs of the user.

[0068] Furthermore, in the management server 10, the second account information includes the deposit balance of the second account. The credit limit setting unit 113 increases the credit limit of the credit card based on the deposit amount and the deposit balance indicated by the second account information.

[0069] Since the management server 10 has the above-mentioned configuration, the credit card management company can manage risk more carefully by using the deposit balance of the separate account as a basis for determining whether or not to increase the limit, in addition to temporary deposits to the separate account.

[0070] Furthermore, in the management server 10, the acquisition unit 111 acquires first account information relating to the deposit balance of the first account. Furthermore, the management server 10 further includes a settlement unit 114. The settlement unit 114 debits the total payment amount W that is closed on the second closing date t2 of the credit card from the first account on a payment date T2 that is after the second closing date t2. Specifically, if the total payment amount W is equal to or less than the deposit balance of the first account indicated by the first account information on the payment date T2, the settlement unit 114 debits the total payment amount W from the first account.

[0071] Since the management server 10 has the above configuration, settlement is possible.

[0072] Furthermore, the settlement unit 114 debits the total amount W of the payment closed on the second closing date t2 of the credit card from both the first account and the second account on a payment date T2 that is after the second closing date t2. Specifically, when the total amount W of the payment exceeds the deposit balance of the first account on the payment date T2, the settlement unit 114 debits at least the shortfall amount from the second account and debits the remaining amount from the first account.

[0073] Since the management server 10 has the above-mentioned configuration, when the actual usage amount increases from normal due to a temporary increase in the credit card usage limit, and the deposit balance in the normal payment account is insufficient to cover the increase, at least the shortfall amount can be debited from another account to make the settlement.

[0074] 2: Variations The present disclosure is not limited to the above-described embodiments. Specific modified embodiments are exemplified below. Two or more embodiments selected from the following examples may be combined.

[0075] 2-1: Variation 1 In the above embodiment, the first account is an account at a first financial institution, the second account is an account at a second financial institution, and the first financial institution and the second financial institution are different financial institutions. However, the first account and the second account may be different accounts at the same financial institution.

[0076] 3:Other (1) In the above-described embodiment, the storage device 12 and the storage device 22 are exemplified by ROM and RAM, but the storage device 12 and the storage device 22 may be a flexible disk, a magneto-optical disk (e.g., a compact disk, a digital versatile disk, a Blu-ray (registered trademark) disk), a smart card, a flash memory device (e.g., a card, a stick, a key drive), a CD-ROM (Compact Disc-ROM), a register, a removable disk, a hard disk, a floppy (registered trademark) disk, a magnetic strip, a database, a server, or any other suitable storage medium. The program may also be transmitted from a network via a telecommunication line. The program may also be transmitted from a communication network via a telecommunication line.

[0077] (2) In the above-described embodiments, the described information, signals, etc. may be represented using any of a variety of different technologies. For example, data, instructions, commands, information, signals, bits, symbols, chips, etc. that may be referred to throughout the above description may be represented by voltages, currents, electromagnetic waves, magnetic fields or magnetic particles, optical fields or photons, or any combination thereof.

[0078] (3) In the above-described embodiment, the input / output information, etc. may be stored in a specific location (e.g., memory) or may be managed using a management table. The input / output information, etc. may be overwritten, updated, or added. The output information, etc. may be deleted. The input information, etc. may be transmitted to another device.

[0079] (4) In the above-described embodiments, the determination may be made based on a value represented using one bit (0 or 1), a Boolean value (true or false), or a numerical comparison (e.g., comparison with a predetermined value).

[0080] (5) The order of the process steps, sequences, flow charts, etc. illustrated in the above-described embodiments may be changed without causing any inconsistency. For example, the methods described in this disclosure present elements of various steps using an example order, and are not limited to the particular order presented.

[0081] (6) Each function illustrated in Figures 1 to 7 is realized by any combination of at least one of hardware and software. Furthermore, the method of realizing each functional block is not particularly limited. That is, each functional block may be realized by using one device that is physically or logically combined, or may be realized by using two or more devices that are physically or logically separated and directly or indirectly connected (for example, by wire, wirelessly, etc.). The functional block may be realized by combining the one device or the multiple devices with software.

[0082] (7) The programs exemplified in the above-described embodiments should be broadly interpreted to mean instructions, instruction sets, code, code segments, program code, programs, subprograms, software modules, applications, software applications, software packages, routines, subroutines, objects, executable files, execution threads, procedures, functions, etc., regardless of whether they are called software, firmware, middleware, microcode, hardware description language, or by other names.

[0083] Additionally, software, instructions, information, etc. may be transmitted or received over a transmission medium. For example, if the software is transmitted from a website, server, or other remote source using wired and / or wireless technologies (such as coaxial cable, fiber optic cable, twisted pair, Digital Subscriber Line (DSL)), and / or wireless technologies (such as infrared, microwave, etc.), then these wired and / or wireless technologies are included within the definition of transmission media.

[0084] (8) In each of the above embodiments, the terms “system” and “network” are used interchangeably.

[0085] (9) The information, parameters, etc. described in this disclosure may be expressed using absolute values, may be expressed using relative values ​​from a predetermined value, or may be expressed using other corresponding information.

[0086] (10) In the above-described embodiments, the user equipment 20 may be a mobile station (MS). A mobile station may be referred to by those skilled in the art as a subscriber station, a mobile unit, a subscriber unit, a wireless unit, a remote unit, a mobile device, a wireless device, a wireless communication device, a remote device, a mobile subscriber station, an access terminal, a mobile terminal, a wireless terminal, a remote terminal, a handset, a user agent, a mobile client, a client, or some other suitable terminology. In this disclosure, the terms "mobile station", "user terminal", "user equipment (UE)", "terminal", etc. may be used interchangeably.

[0087] (11) In the above-mentioned embodiments, the terms "connected" and "coupled" or any variation thereof refer to any direct or indirect connection or coupling between two or more elements, and may include the presence of one or more intermediate elements between two elements that are "connected" or "coupled" to each other. The coupling or connection between elements may be a physical coupling or connection, a logical coupling or connection, or a combination thereof. For example, "connected" may be read with "access". As used in this disclosure, two elements may be considered to be "connected" or "coupled" to each other using at least one of one or more wires, cables, and printed electrical connections, as well as electromagnetic energy having wavelengths in the radio frequency range, microwave range, and light (both visible and invisible) range, as some non-limiting and non-exhaustive examples.

[0088] (12) In the above embodiments, the phrase "based on" does not mean "based only on," unless otherwise specified. In other words, the phrase "based on" means both "based only on" and "based at least on."

[0089] (13) The terms "determining" and "determining" as used in this disclosure may encompass a wide variety of actions. "Determining" and "determining" may include, for example, judging, calculating, computing, processing, deriving, investigating, looking up, search, inquiry (e.g., searching in a table, database, or other data structure), ascertaining, and the like. Also, "determining" and "determining" may include receiving (e.g., receiving information), transmitting (e.g., sending information), input, output, accessing (e.g., accessing data in a memory), and the like. In addition, "judgment" and "decision" can include considering resolving, selecting, choosing, establishing, comparing, etc., to be a "judgment" or "decision." In other words, "judgment" and "decision" can include considering some action to be a "judgment" or "decision." In addition, "judgment" can be interpreted as "assuming," "expecting," "considering," etc.

[0090] (14) In the above embodiments, when "include," "including," and variations thereof are used, these terms are intended to be inclusive, similar to the term "comprising." Furthermore, the term "or" used in this disclosure is not intended to be an exclusive or.

[0091] (15) In this disclosure, where articles have been added by translation, such as a, an, and the in English, the disclosure may include that the nouns following these articles are in the plural.

[0092] (16) In this disclosure, the term "A and B are different" may mean "A and B are different from each other." The term may also mean "A and B are each different from C." Terms such as "separate" and "combined" may also be interpreted in the same way as "different."

[0093] (17) Each aspect / embodiment described in this disclosure may be used alone, in combination, or switched according to execution. In addition, notification of specific information (e.g., notification that "X is the case") is not limited to explicit notification, but may be implicit (e.g., not notifying the specific information).

[0094] Although the present disclosure has been described in detail above, it is clear to those skilled in the art that the present disclosure is not limited to the embodiments described in the present disclosure. The present disclosure can be implemented as modified and altered forms without departing from the spirit and scope of the present disclosure as defined by the claims. Therefore, the description of the present disclosure is for illustrative purposes only and does not have any limiting meaning on the present disclosure. [Explanation of symbols]

[0095] 1...credit card management system, 10...management server, 11...processing device, 12...storage device, 13...communication device, 14...display device, 15...input device, 20...user device, 21...processing device, 22...storage device, 23...communication device, 24...display device, 25...input device, 111...acquisition unit, 112...determination unit, 113...usage limit setting unit, 114...settlement unit, 115...communication control unit, ADB...account information database, BS1...first financial institution server, BS2...second financial institution server, CDB...card information database, DS...data set, L1...first period, L2...second period, NET...communication network, P...deposit, PR1...control program, PR2...control program, T1...date and time, T2...payment date, W...total amount, t1...first closing date, t2...second closing date, t3...third closing date

Claims

1. an acquisition unit that acquires second account information related to a deposit into a second account that is different from a first account from which a credit card charge is debited and whose account holder is the same as that of the first account; a determination unit that determines whether or not a temporary deposit has been made to the second account based on the second account information; a credit limit setting unit that sets a credit limit for the credit card based on the temporary deposit amount indicated by the second account information when the determination result by the determination unit is positive; A credit card management device comprising:

2. the credit limit setting unit increases the credit limit for a first period from a first closing date of the credit card to a second closing date which is the next closing date, based on the temporary deposit amount deposited into the second account; 2. The credit card management device according to claim 1.

3. the usage quota setting unit increases the usage quota for the first period, and then returns the usage quota for the second period from the second closing date to a third closing date, which is the next closing date after the second closing date, to the usage quota before the increase; 3. The credit card management device according to claim 2.

4. The credit limit setting unit increases the credit limit at any time during a period from when the second account is deposited to when the second closing date is reached.

3. The credit card management device according to claim 2.

5. The acquisition unit acquires request information indicating a request for an increase in credit limit from a terminal device used by a user of the credit card, When the acquisition unit acquires the request information, the determination unit determines whether or not a temporary deposit different from a normal deposit has been made to the second account.

2. The credit card management device according to claim 1.

6. The second account information includes a deposit balance of the second account, the credit limit setting unit increases the credit limit of the credit card based on the deposit amount and the deposit balance indicated by the second account information; 2. The credit card management device according to claim 1.

7. The acquisition unit acquires first account information related to a deposit balance in the first account, a settlement unit that debits the total amount of the payment of the credit card that is closed on the second closing date from the first account on a payment date that is later than the second closing date, the settlement unit, when the total amount of the payment is equal to or less than the deposit balance of the first account indicated by the first account information on the payment date, debits the total amount of the payment from the first account; 3. The credit card management device according to claim 2.

8. The acquisition unit acquires first account information related to a deposit balance in the first account, a settlement unit that debits a total amount of the payment of the credit card that is closed on the second closing date from both the first account and the second account on a payment date that is later than the second closing date, If the total amount of the payment exceeds the deposit balance of the first account on the payment date, at least the shortfall amount is debited from the second account and the remaining amount is debited from the first account.

3. The credit card management device according to claim 2.

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