JP2006106988A - Corporate credit settlement system, settlement method, and program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a corporate credit settlement system for preventing corporate credit settlement from being used for any purpose of use other than the purpose of a task when carrying out corporate credit settlement. <P>SOLUTION: A corporate credit application 60 is downloaded through a network to a portable telephone 10 possessed by an employee 20. The corporate credit application 60 is provided with use limit information meaning the upper limit of the use of corporate credit settlement, and the employee 20 is able to use the corporate credit settlement by using the portable telephone 10 when the use frequency of the corporate credit settlement exceeds the use limit information. Thus, it is possible to prevent the corporate credit settlement from being used for any purpose of use other than the purpose of the task. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to a credit settlement system, and more particularly to a credit settlement system for corporate credit settlement.

  A corporate card is a credit card issued to a corporate organization such as a company, and is sometimes called a corporate card or a business card. The price settled with the corporate card is withdrawn from the settlement account of the company and is often used for settlement of business expenses (for example, entertainment / transportation expenses).

  In general, when using a corporate card, it is common for a corporate card user to apply to the company for permission to use the corporate card using a personal computer or in writing before using the corporate card. However, since the corporate card can be used without carrying out the above application procedure, there are cases where the company side suffers damage if the corporate card is used outside the business purpose.

  Conventionally, in order to prevent damage caused by unauthorized use of credit cards, not only corporate cards, a personal signature column is provided on the back of the credit card, and the credit card user signs the slip when using the credit card. By verifying the identity, unauthorized use of credit cards is prevented.

In addition, with the widespread use of mobile phones, an invention has been disclosed that allows mobile phones to have a credit card function and prevents unauthorized use of credit settlement (for example, Patent Document 1). In Patent Document 1, a user possesses a mobile phone having a credit function, and before using credit settlement, the user notifies the authentication center of the credit company or the like in advance of the use of the credit card, and the authentication is performed. By making a credit card settlement based on the authentication result of the center, fraud of credit settlement is prevented.
Japanese Patent Laid-Open No. 2002-42028

  However, when the conventional technology described above is applied to a corporate card, there is a problem described below. In the conventional method of verifying the identity by the signature, only a person who has been issued a corporate card from the company can use it. In addition, even if you apply for a company card permission to use the company, it takes time to complete the process using a personal computer or a written document, and it cannot handle sudden entertainment or taxi use.

  Furthermore, in the method as disclosed in Patent Document 1, fraud of credit settlement can be prevented by confirming the credit card usage details in advance with an authentication center such as a credit company, but the corporate card is used outside the business purpose. It cannot be prevented.

  Therefore, in view of the above-mentioned problems, the present invention can promptly apply for the use of corporate credit settlement when performing corporate credit settlement, and can prevent corporate credit settlement from being used outside of business purposes. An object is to provide a credit settlement system.

  A first invention for solving the above problem is a corporate credit settlement system using an information terminal, wherein the information terminal uses corporate credit settlement means functioning as a corporate credit card and the number of times corporate credit settlement is used. Corporate credit management which has usage limit information indicating the number of times the corporate credit settlement can be used and management count information indicating the number of times the corporate credit settlement can be used, and manages execution of the corporate credit settlement unit based on the usage count information and the usage limit information A corporate credit settlement system. Here, the information terminal is a terminal capable of performing data communication using a network, and means a mobile phone or a PDA (Personal Data Assistant).

  According to the corporate credit settlement system of the first invention, the software that functions as the corporate card can be downloaded to the information terminal by using the information terminal such as a mobile phone instead of the card for corporate credit settlement. Employees other than those who have corporate cards can also use corporate credit card payments. Further, by using the information terminal for the corporate credit use application procedure, the corporate credit use application procedure can be performed regardless of the location and time of the employee. In addition, since the information terminal includes the corporate credit management means, it is possible to limit the number of times corporate credit settlement is used, and to prevent unauthorized use of corporate credit settlement.

  The second invention is a corporate credit settlement method using an information terminal, which is stored in the information terminal and is used to mean the number of times the corporate credit settlement can be used and the usage count information that represents the number of times the corporate credit settlement can be used. A step of comparing limit information; a step of determining whether or not corporate credit settlement can be performed based on the comparison result; and a step of performing corporate credit settlement if corporate credit settlement can be performed; and And a step of updating the usage count information after executing the settlement.

  A third invention is a program downloaded via a network to an information terminal constituting the corporate credit settlement system according to the first invention, wherein the information terminal is connected to the corporate credit settlement means and the corporate credit management. It is a program for functioning as a means. Further, the program described in the third invention is preferably a program for causing a mobile phone to function as the corporate credit settlement means and the corporate credit management means.

  By downloading the program according to the third aspect of the invention to the information terminal, the information terminal of the corporate credit settlement system of the first aspect of the invention can be realized, and employees other than those possessing the corporate card can also perform corporate credit settlement. Available.

  According to the corporate credit settlement system of the present invention, by using software downloaded to an information terminal such as a mobile phone instead of a card for corporate credit settlement, employees other than possessing the corporate card can also receive corporate credit. Payment can be used. In addition, by using a mobile phone for corporate credit application application procedures, corporate credits can be used regardless of the location and time of employees. Yes. In addition, by providing a credit application downloaded to a mobile phone with a use frequency limiting function, it is possible to easily realize corporate credit usage restrictions that were difficult with corporate cards.

  Now, embodiments of the present invention will be described in detail with reference to the drawings.

<<< Corporate Credit Payment System >>>
First, a credit settlement system according to the present invention will be described with reference to the drawings. FIG. 1 is a diagram for explaining a corporate credit settlement system according to the present invention. The corporate credit settlement system of the present embodiment includes a credit company 40, a company 30 that contracts with a credit company 40 for corporate credit settlement, and a company that possesses a mobile phone 10 that functions as an information terminal according to the present invention. It consists of an employee 20 and a store 50 where corporate credits are used.

  As shown in FIG. 1, an employee 20 has a mobile phone 10, and the mobile phone 10 has a function of downloading an application using a mobile phone network (not shown) and a function of executing the downloaded application. Have. When the employee 20 uses corporate credit for entertainment or taxi use, the company 30 uses the mobile phone 10 to apply for corporate credit.

  The application procedure for using corporate credit may be performed on a Web screen or may be performed by exchanging e-mails. The application procedure includes the name, employee number, usage, and planned usage amount of the employee 20 who uses the corporate credit. The company 30 uses the employee name and employee number included in the application procedure information to The use of the corporate credit is settled by determining the job type / position of the member 20 and confirming whether the planned use amount is the amount permitted for the job type / position.

  When the use of corporate credit is permitted, the company 30 requests the credit company 40 to transmit the corporate credit application 60, which is software for causing the mobile phone 10 to function as a corporate card, to the mobile phone 10 possessed by the employee 20. . At this time, the company 30 transmits to the credit company 40 the number of the mobile phone 10 that transmits the corporate credit application 60 and the number of times the corporate credit application 60 can be used.

  The credit company 40 transmits the corporate credit application 60 to the mobile phone 10 when there is a transmission request for the corporate credit application 60 from the company 30 with which the corporate credit settlement is contracted.

  The employee 20 can use the corporate credit by using the mobile phone 10 by downloading the corporate credit application 60 to the mobile phone 10. The corporate credit application 60 transmitted from the credit company 40 to the mobile phone 10 has usage limit information indicating the upper limit of the number of times corporate credit can be used, and the employee 20 uses the usage limit determined by the company 30. Corporate credit can be used up to a certain number of times.

  The employee 20 uses the mobile phone 10 that has downloaded the corporate credit application 60 and pays the usage amount at the store 50 by corporate credit settlement. As a method of performing credit payment using the mobile phone 10, there are a method of displaying credit information on a screen of the mobile phone 10 with a two-dimensional barcode and a method of performing credit settlement using infrared communication or the like. The present invention is not limited in any way to the credit settlement method. The corporate credit usage amount is charged from the store 50 to the credit company 40 and from the credit company 40 to the company 30.

  According to the corporate credit settlement system of the present invention, by using the mobile phone 10 in which the corporate credit application 60 is downloaded instead of the card for corporate credit settlement, the employee 20 other than the corporate card possessing the corporate card can also be a corporate credit card. Credit payment can be used. In addition, the use of the mobile phone 10 for the corporate credit application application procedure enables not only the use of the corporate credit regardless of the location and time of the employee 20, but also the in-house procedure by digitizing the application procedure. It can be done quickly. In addition, the corporate credit application 60 downloaded to the mobile phone 10 provides usage limit information and limits the number of times corporate credit payments can be used, so that corporate credit usage restrictions that were difficult with corporate cards can be easily realized. . The number of times corporate credit payment can be used may be one-time or may be one-time or more.

<<< Corporate Credit Application >>>
FIG. 2 is a diagram for explaining a corporate credit application 60 transmitted from the credit company 40 to the mobile phone 10. The corporate credit application 60 is software downloaded to the mobile phone 10, and the mobile phone 10 functions as a corporate card by downloading the corporate credit application 60 to the mobile phone 10.

  As shown in FIG. 2, the corporate credit application 60 includes a corporate credit settlement program 62 that manages execution of the corporate credit settlement program 62 in addition to the corporate credit settlement program 62 having a function of performing corporate credit settlement. The corporate credit settlement program 62 functions as corporate credit settlement means according to the present invention, and the corporate credit management program 61 functions as corporate credit management means according to the present invention.

  The corporate credit settlement program 62 is a program for realizing corporate credit settlement established by each credit company, and its specification depends on the specifications established individually by the credit company.

  The corporate credit management program 61 is a program for managing the execution of the corporate credit settlement program 62, and has usage limit information 61a and usage count information 61b for managing the execution. The usage limit information 61a is information that means the number of times that the corporate credit settlement program downloaded to the mobile phone 10 can be used, and the number of times that the corporate credit settlement program can be used may be one time or more. The usage count information 61b is information that means the number of times the employee 20 has actually used the corporate credit settlement program downloaded to the mobile phone 10, and the usage count information 61b is used when the corporate credit application is downloaded to the mobile phone 10. The information 61b is set to an initial value (a value that has never used corporate credit settlement, for example, 0 times).

  The corporate credit management program 61 compares the usage count information 61b with the usage limit information 61a every time corporate credit settlement is executed. If the usage count information 61b is equal to or less than the usage limit information 61a, the corporate credit settlement program 62 is used. And the usage count information 61a is updated (e.g., incremented) every time payment is made with corporate credit. If the usage count information 61b exceeds the usage limit information 61a, the corporate credit management program 61 does not activate the corporate credit settlement program 62.

<<< corporate credit settlement method >>>
From here, the corporate credit settlement method according to the present invention will be described. FIG. 3 is a flowchart showing the procedure of the corporate credit settlement method. The first step of corporate credit settlement is a step (S01) of comparing usage count information, which means the number of times corporate credit settlement has been used, with usage limit information, which means the number of times corporate credit settlement can be used. In the present embodiment, the corporate credit management program 61 compares the information.

  The next step is a step (S02) of determining whether or not the corporate credit can be settled based on the comparison result of step S01. In the present embodiment, the corporate credit management program 61 determines whether or not execution is possible. If the usage count information 61b is equal to or less than the usage limit information 61a, it is determined that corporate credit can be settled. If the usage count information 61b exceeds the usage limit information 61a, it is determined that payment of corporate credit is impossible.

  The next step is step S03 of executing corporate credit settlement when corporate credit settlement can be performed. In the present embodiment, if the usage count information 61b is equal to or less than the usage limit count 61a, the corporate credit management program 61 activates the corporate credit settlement program 62.

  The next step is step S04 in which the usage count information is updated after the corporate credit settlement is executed. In the present embodiment, the corporate credit management program 61 updates the usage count information 61b after the corporate credit settlement program 62 ends.

The figure explaining a corporate credit settlement system. The figure explaining a corporate credit application. The flowchart which showed the procedure of the corporate credit settlement method.

Explanation of symbols

10 Mobile phone 20 Employee 30 Company 40 Credit company 50 Store 60 Corporate credit application 61 Corporate credit management program 61a Usage limit information 61b Usage count information 62 Corporate credit settlement program

Claims (5)

  A corporate credit settlement system using an information terminal having a corporate credit card function, wherein the information terminal is a corporate credit settlement unit that functions as a corporate credit card, and usage count information that indicates the number of times corporate credit settlement has been used. And corporate credit management means for managing execution of the corporate credit settlement means based on the usage count information and the usage limit information. Corporate credit settlement system characterized by this.   The corporate credit settlement system according to claim 1, wherein the information terminal is a mobile phone.   A corporate credit settlement method using an information terminal, the step of comparing usage number information stored in an information terminal and indicating the number of times corporate credit settlement is used with usage limit information indicating the number of times corporate credit settlement can be used Determining whether or not corporate credit settlement can be performed based on the comparison result; and if corporate credit settlement can be performed, executing corporate credit settlement; and after performing corporate credit settlement, And a step of updating the usage count information.   A program that is downloaded via a network to an information terminal that constitutes the corporate credit settlement system according to claim 1, wherein the information terminal functions as the corporate credit settlement means and the corporate credit management means. . A program downloaded to a mobile phone constituting the corporate credit settlement system according to claim 2 via a network for causing the mobile phone to function as the corporate credit settlement means and the corporate credit management means .

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