Credit card with 0% payment fee

Abstract

To provide a credit card with 0% payment fee that improves a credit card payment ratio.SOLUTION: A credit card has a print part indicating a 0% payment fee on the face of the credit card, and an IC chip part for storing card number information that identifies the 0% payment fee or an infrared color two-dimensional code part of the card number information that identifies the 0% payment fee. By sending the information of the IC chip part or the information of the infrared color two-dimensional code part to a payment processing server 310 of a credit card-related company, the server side 310 checks the presence or absence of the card number information subject to the 0% payment fee that is preregistered in a 0% payment fee target card number check file 431, by performing determination processing 430 for determining whether the 0% payment fee applies thereto, and performs processing 440 for the 0% payment fee.SELECTED DRAWING: Figure 4

Description

Technical Field

[0001] Relates to a technology for eliminating 1% - 10% of the merchant - side burden of credit card transaction fees.

Summary of the Invention

Problems to be Solved by the Invention

[0002] The credit card transaction fees vary depending on the industry for the merchant - side burden, with 1%, 2%, 3%, and some even having a burden of 7% - 10%. When shopping at a department store, it is expected to attract customers and boost the purchasing desire. However, for dining at a neighborhood restaurant rather than a high - end restaurant, due to the cost of seafood and vegetable ingredients and a high cost ratio, many restaurants prefer cash. Also, in a beauty salon visited regularly every month or week, since the service content and the amount are the same, it is not expected to boost the purchasing desire. As for the revenue structure of credit card companies, the only way for the customer - side to bear the cost is installment payment, but the installment interest from the accumulated balance is high for the customer. Overseas, installment payment is the mainstream, while in Japan, lump - sum payment is the mainstream. However, since the merchant bears the lump - sum payment transaction fee, it is a heavy burden for merchants with low unit prices and profit margins. There is also a need to reduce the burden on the merchant for preparing change and on the customer for preparing cash at the ATM (especially for wheelchair users, visually impaired people, elderly people, etc.). According to the Ministry of Economy, Trade and Industry, the cashless payment ratio in Japan was 36% in 2022 (the credit card payment ratio was 30.4% (93.8 trillion yen) within 111 trillion yen), and the target is to reach about 40% by 2025. Therefore, it is important to improve the credit card payment ratio.

Means for Solving the Problems

[0003] As a revenue structure of a credit card company, in addition to installment payments, as a method for customers to bear the cost, separately from the national tax payment and the settlement fee percentage for administrative procedures, an additional 1% - 3% is newly added as the customer's settlement fee when making a lump-sum payment. It is even more convenient to issue a companion card with a 0% settlement fee separately from the main card.

Effect of the Invention

[0004] As revenue for the credit card company, in addition to the installment payment interest, by adding a 1% - 3% customer settlement fee for lump-sum payments, it is possible to turn a franchise store that activates restaurants that require cash payments into a profitable one. The possibility of using it at the lottery ticket counter is also considered. It reduces the burden on the store side for preparing change and the burden on the customer side for preparing cash at the ATM (especially for wheelchair users, visually impaired people, elderly people, etc.). (Summary of Effects by Claim Cases and Embodiment Cases) · As a 0% settlement fee credit card (claim case), Increased franchise stores and improved card utilization rate of existing franchise stores are expected to bring increased revenue and profit to both franchise stores and credit card companies. · As a chat concierge service (Example 4 case), For 3.6 million people with hearing impairments, 12 million elderly people with hearing difficulties (including the above 3.6 million), 48 million people with visual dominance and auditory difficulties, and people with autism spectrum disorders, issuing new credit cards is expected to increase members and bring increased revenue and profit. Simple cases can be handled by artificial intelligence AI. There are many people (about 40%) who do not have hearing problems but are uncomfortable and suffer from making phone calls. Currently, the concierge service by phone is painful and not being used, but it can be solved by utilizing the chat concierge service. · As a service for supporting donations of accumulated points obtained (Example 1 case), By displaying a 0% settlement fee and the donation act on the credit card face, Increased members and increased revenue and profit are expected among people with a high awareness of improving their status. ·As the customer side bears the settlement fee and an asset formation service (Example 3 case), According to the amount of credit card usage, services such as purchasing shares of the holding company or transferring funds from the personal debit account to another personal deposit account with a higher interest rate are provided to support asset formation.

Brief Description of the Drawings

[0005]

Figure 1

Figure 2

Figure 3

Figure 4

Modes for Carrying Out the Invention

Examples

[0006] A credit card characterized by having a printing part indicating 0% settlement fee on the face of the credit card and an IC chip part storing 0% settlement fee information. Figure 1 shows the face of a credit card with 0% settlement fee (a companion card dedicated to 0% settlement fee). Figure 2 shows the face of a conventional credit card. On the printing part 110 indicating 0% settlement fee on the credit card face 100 with 0% settlement fee, it shows the awareness of 0% settlement fee for both the store side and the customer side. As the words indicating the awareness of 0% settlement fee, "0% fee", "0% settlement fee", "0% fee & donation", "0% fee & donation", "0% fee", "0% fee & donation", etc. can be considered. By transmitting the information of the IC chip part 120 that stores the card number information for identifying 0% settlement fee to the settlement processing server 310 of the credit card related company, on the server side 310, in the settlement fee 0% target card number check file 431, the presence or absence of the pre-registered settlement fee 0% target card number information is confirmed by the determination process 430 for whether it is 0% settlement fee, and the process 440 is performed as 0% settlement fee. Also, even if it was the conventional credit card face 200 due to the change of the store-side settlement processing application, during the settlement process, to the store-side settlement processing terminal 320 ◇ Customer-side burden with 0% lump-sum payment settlement fee ◆ Store-side burden for lump-sum payment settlement fee ◇ 0% store-side settlement fee for split payment by installments ◇ Store-side burden for settlement fee for split payment by installments It is also possible to enable the display and selection of Although not in the ISO standard of credit cards, it is provided with a portable strap hole 140, and it can also be placed in the card holder inside the case of the smartphone terminal. Furthermore, not only the card shape, but also the bangle shape and ring shape are conceivable.

Example

[0007] A credit card characterized by having a printing part 110 indicating 0% settlement fee on the face of the credit card and having an infrared QR code part 130 for card number information for identifying 0% settlement fee. When a failure occurs in the IC chip part due to sweat or submersion in water, it can be dealt with by an optical method. By using the store scan method to read the infrared QR code part 130 of the card number information that identifies a credit card with a 0% settlement fee on the credit card face value of 100 in Fig. 1 and sending the QR code containing the card number information to the settlement processing server 310 of the credit card related company, on the server side 310, the presence or absence of the card number information for the 0% settlement fee target in the 0% settlement fee target card number check file 431 is confirmed by the determination process 430 of whether it is a 0% settlement fee, and the process 440 for the 0% settlement fee is performed. On the upper part of the printing 130 of the infrared QR code part of the card number information that identifies a 0% settlement fee, there is printing such as a card face logo mark for camouflage. As the printing technology of the infrared QR code part, the valid patent "Patent No. 5754848 Invention Name: Form with Two-Dimensional Code" of Kobayashi Create Co., Ltd. is a reference. Also, as the reading technology of the infrared QR code part printed with camouflage, there are valid patents such as "Patent No. 5196682 Invention Name: Document with Security Features" which are for reference. Also, instead of an infrared QR code, a method of using a credit card dedicated smartphone terminal using black and white electronic paper is also conceivable. Power saving can be expected as it is specialized for credit cards. Regarding the size and shape, due to the increased thickness of the battery and operability, the size and shape become larger and it does not conform to the ISO standard of credit cards. It is assumed to be equivalent to a smaller smartphone terminal which is convenient. For example, the radiko (Radiko) voice app etc. and the voice-to-character conversion app can be displayed in a split screen multi-window, and the voice of the radio can be converted into characters and read. When wanting to use apps such as the YouTube video app, instead of black and white electronic paper, it is convenient to use a smaller smartphone terminal with an existing color screen due to the relationship of the screen display speed. By transmitting the information of the two-dimensional code of the card number information that identifies the 0% settlement fee displayed on the smartphone terminal to the settlement processing server 310 of the credit card-related company, on the server side 310, the presence or absence of the card number information for the 0% settlement fee registered in advance in the card number check file 431 for the 0% settlement fee is confirmed in the determination process 430 of whether it is a 0% settlement fee, and the process 440 for the 0% settlement fee is performed.

Example

[0008] It is also possible to reduce the settlement fee within the range of the dividend by regularly (using a mechanism such as a holding company of a trading company) purchasing the shares of the credit card company every month or every even month. Or, it is also possible to eliminate the need for a deposit when purchasing high-value items, which is very convenient. According to the amount of credit card usage, perform services such as purchasing shares of the holding company and transferring funds from the personal debit account to another personal deposit account with a higher interest rate to support asset formation. Those who are familiar with stocks may personally purchase and manage good stocks with a stable dividend yield of around 3%. In the case of a financial institution credit card company, when using a deposit account and in a low interest rate era, it is possible to purchase shares of the holding company. In a high interest rate era, according to the "Japanese Patent Application Laid-Open No. 2004-341579 Invention Name: Account Management Method and Account Management Program" filed by the inventor of this invention, it is possible to assume deposit account operation and purchase of shares of the holding company while promoting consumption. According to the valid patent of American Express International Incorporated related companies "International Publication No. 2002-523837 Invention Name: Computer Execution Program for Financial Planning and Advice System", it is possible to support financial planning advice and notifications and payments from agents of inheritance property.

Example

[0009] As a chat concierge service for the hearing-impaired, the hard-of-hearing, and those who are visually dominant and have difficulty with hearing, a keyboard layout that allows text input at the conversation speed is introduced. Both the hearing-impaired and the deaf account for 0.3% of the population in Japan and around the world (360,000 people in Japan). When including the hearing-impaired among the elderly, there are 12 million people in Japan. Moreover, if the cochlea (which has the function of converting sound vibrations into nerve transmission signals) deep inside the eardrum stops functioning, even with the use of all advanced hearing aids, they will not be able to hear. It is not the case that seeing is believing (the superiority of visual information), but rather there are those who are visually dominant types (who can easily recognize language from vision, and can easily recognize image photos and charts from vision), and those who are aurally dominant types (who can easily recognize from hearing in phone calls or face-to-face conversations). There are 360,000 people with hearing impairments, 12 million elderly people with hearing impairments (including the 360,000 mentioned above), and 48 million people who are visually dominant and have difficulty with hearing (40% of infants to the elderly). That is, there are many people (about 40%) who do not have any abnormalities in their hearing but have difficulty and pain using the phone. Currently, they do not use the concierge service via phone due to the pain. With the "Utility Model Registration No. 3243800, Invention Name: Conversation Assistance Device for the Hearing-Impaired Using a Thumb Shift Character Input Device" applied for by the inventor of this case, it is possible to realize a chat concierge service on an information processing device (smartphone terminal, tablet terminal, personal computer device, virtual keyboard). Simple cases can be handled by artificial intelligence AI. Also, when inputting English letters such as English, "MessagEase" invented by Mr. Saied Nesbat living in the United States can be input quickly, so it is introduced. Not only can you install an IME (Input Method) app on a smartphone terminal or tablet terminal, but also on the homepage of a credit card company, IME can be popped up and the chat concierge service can be utilized at the conversation speed. The new issuance of this credit card (issued alone or with the additional issuance of a companion card) can be expected, and an increase in members and an increase in revenue and profit can be anticipated.

Example

[0010] In the case of credit card loss or information theft, etc., credit card users can prevent damage in advance by registering new stores in advance. According to the "Patent No. 4806271, Invention Name: Information Security System, Its Server, Program" filed by the inventor of this invention, new stores that use information processing devices (personal computers and credit card terminal devices) can be assumed in advance. Instead of installing RFID tags in franchise stores, address-related information on the store side to be used in advance is registered.

Explanation of Signs

[0011] 100 Credit card face value with 0% settlement fee 110 Printing part indicating 0% settlement fee 120 IC chip part for storing card number information for identifying 0% settlement fee 130 Infrared color QR code part for card number information for identifying 0% settlement fee 140 Strap hole for carrying credit card 200 Conventional credit card face 310 Settlement processing server of credit card-related company 320 Settlement processing terminal on the store side 410 Card scanning process on the store side 420 Transmission of card number information from the store side 430 Judgment process on the server side whether it is 0% settlement fee 431 Card number check file for 0% settlement fee target 440 Processed as 0% settlement fee on the server side 441 Monthly statement file on the server side

Claims

1. On the face of the credit card, there is a printing section 110 indicating 0% settlement fee, and an IC chip section 120 that stores card number information for identifying 0% settlement fee, or an infrared two-dimensional code section 130 of card number information for identifying 0% settlement fee, characterized in that it is a credit card.

2. On the face of the credit card, there is a printing section 110 indicating 0% settlement fee, and an IC chip section 120 that stores card number information for identifying 0% settlement fee, or an infrared two-dimensional code section 130 of card number information for identifying 0% settlement fee, and the information of the IC chip section 120, or the information of the infrared two-dimensional code section 130 is sent to the settlement processing server 310 of the credit card related company, and by on the server side 310, the presence or absence of card number information for 0% settlement fee pre-registered in the 0% settlement fee target card number check file 431 is checked in the 0% settlement fee determination process 430, and a 0% settlement fee process 440 is performed, characterized in that it is a credit card. ​

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