JP2006302311A - Online shopping system using credit card - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To enhance safety in an online shopping system using a credit card. <P>SOLUTION: In the online shopping system that a user selects a desired article (service) from article (service ) information transmitted from a host system 6 of a store to a computer system 5 of the user, order placement information of the article (service) is transmitted to the host system of the store with a card name, a card number, an identification number and a payment method, etc., the host system of the store refers to a host system 1 of a credit company whether or not a purchase price of the article (service) is settled by the card and places an order when settlement of the purchase price is possible, it is characterized that the credit company is provided with a means for the card owner to set an authentication number which becomes invalid when it is used once and the user places an order of the article (service) using the authentication number in place of a personal identification number. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to an online shopping system using a credit card.

  The online shopping system using personal computer communication has the advantage that users can shop at home, and the store can supply users with a large amount of the latest product or service information. It has the advantage of being able to sell products and services to distant users, and has recently become increasingly popular with the development of computers and communication lines. Furthermore, recently, the online shopping system has shifted to the Internet world, and PC owners can obtain information on visual products or services of stores around the world through their websites. Coupled with this, the number of users of the online shopping system has increased explosively, and the online shopping system is attracting great expectations and attention as a new form of business. In the online shopping system, payment for the purchase price is often carried out online using a bank deposit account or a credit card from the viewpoint of ease of processing.

  For example, in an online shopping system in which payment for a purchase price is settled by a credit card, a store host system supplies order information for placing an order online to a user's computer system, and the user credits it. Write credit information such as card name, card number, password, and payment method, and send it to the store host system. Then, the store host system queries the credit company host system via the communication line whether the payment for the purchase price of the goods or services can be settled by the credit card, and the inquiry result is acceptable. Receive orders from users. When the order is completed, goods or services are provided to the user from the store, and the purchase price is withdrawn from the bank account of the user by the credit company on the settlement date.

  As described above, in a conventional online shopping system using a credit card, since the credit number is exchanged online, the card number or PIN is stolen by a hacker or the like, and an order for goods or services is made without permission. There is a danger of being Therefore, the store may supply software that encrypts credit information to users online, and the user may encrypt the credit information before sending it, but the encryption may be decrypted. However, it is not necessarily an effective measure.

  The present invention has been made for the purpose of solving the above-described problems and improving safety in an online shopping system using a credit card.

  In order to achieve the above-mentioned object, the present invention connects a user's computer system and a store host system via a communication line, and the user can receive product information or service transmitted from the store host system. Select the desired product or service from the information, and order information for that product or service, along with the credit card name, card number, PIN, payment method, etc. Transmitting to the store host system, the store host system inquires to the card inquiry system that inquires whether or not the card can be used via the communication line, whether the payment of the purchase price can be settled by the credit card, Online shopping system that accepts orders from users when the inquiry result is acceptable Card setting means for setting an authentication number that cannot be used once, a recording means for recording that the authentication number has been used, and a card based on the recording result of the recording means. Determination means for determining whether or not the card can be used is provided in the card inquiry system, and the setting means can set a plurality of authentication numbers for one card and use order of the plurality of authentication numbers The card inquiry system determines whether the input authentication number and the use order of the authentication numbers are correct, and when the authentication number and the use order of the authentication numbers are determined to be correct The user places an order for goods or services using the authentication number instead of the password, and the same authentication number as the used authentication number is used next time. If the is characterized in that it has to be determined to disable the use of the card by the determination unit.

  According to the present invention, in the online shopping system configured as described above, the authentication number is set on the setting unit and then output on a sheet.

  Further, the present invention is characterized in that, in the online shopping system having the above configuration, when a plurality of authentication numbers are set, the order of using the authentication numbers is advanced after receiving an order from a user. is there.

  According to the online shopping system of the present invention, the user can steal the authentication number to a hacker or the like online by placing an order for a product or service using the authentication number that cannot be used once instead of the password. Even if rare, orders for goods and services can be prevented, so safety is improved. In addition, since the user sets a plurality of authentication numbers at a time, it is not necessary to set the authentication number every time shopping is completed, so that the user's labor is reduced. In addition, by setting the usage order for multiple authentication numbers, even if the authentication numbers are stolen, the card is not allowed to be used unless the stolen authentication numbers are used in the correct order, improving safety. To do.

  Hereinafter, specific embodiments of the present invention will be described with reference to the drawings. FIG. 1 is a block diagram showing a schematic configuration of a credit company host system, and FIG. 2 is a flowchart showing a procedure for assigning an authentication number.

  The host system 1 includes a host computer 2 and a storage device 3 connected to the host computer 2, and the host computer 2 is connected to a CD machine (cash dispenser) 4. The storage device 3 includes a customer master 3a for managing information related to the customer (card number, password, credit balance, card expiration date, black card, etc.) and an authentication number that cannot be used once. And an authentication number master 3b for storing. The credit company has setting means for the cardholder to set the authentication number, and this setting means is stored in the ROM of the microcomputer that controls the CD machine 4 and in the ROM of the host computer 2. The program is made up of.

  The procedure for setting the authentication number by the cardholder will be described with reference to FIG. The initial screen of the CD machine 4 displays transaction details such as financing, repayment, credit balance inquiry, authentication number setting, etc., and the cardholder selects an authentication number setting item from these (Step # 5, # 10).

  When this is finished, the screen requests the insertion of a credit card, so the cardholder inserts the credit card into a predetermined insertion slot of the CD machine 4. (Step # 15). Next, since the screen requests the input of a password, the cardholder inputs the password (step # 20). The host computer 2 determines whether or not the password is correct (step # 25), and if it is correct, the screen asks whether or not the screen sets a plurality of authentication numbers (step # 30).

  If the cardholder selects YES, the screen prompts for an authentication number, so the cardholder enters an arbitrary number. The CD machine 4 queries the host computer 2 as to whether or not this number has already been registered. The host computer 2 searches the authentication number master 3b and informs the CD machine 4 of the result. If the same authentication number already exists, a display indicating that acceptance is not possible and a display requesting the input of the authentication number again are displayed on the screen of the CD machine 4, so that the user performs the authentication number input operation again. If the authentication number does not exist in the authentication number master 3b, the authentication number is stored in the authentication number master 3b based on the card number. The cardholder sets the next authentication number when the setting of one authentication number is completed, and inputs the end of the setting when all the authentication numbers have been set (step # 35).

  Next, since the screen requests setting of the usage order of the authentication numbers, the user sets the usage order (step # 40). Finally, a transaction statement on which the authentication number, order of use, etc. are printed is issued (step # 45). If NO is selected in step # 30, a transaction statement is issued when the setting of one authentication number is completed (step # 50).

  Note that the authentication number may be automatically given from the CD machine 4, or the CD machine 4 gives a part of the authentication number, and the cardholder combines this with an arbitrary number to make the authentication number. It may be.

  FIG. 3 is a block diagram showing a schematic configuration of the online shopping system, and FIG. 4 is a flowchart showing a procedure for purchasing goods and services by the online shopping system.

  This online shopping system is such that the purchase price of goods or services is settled by credit card, and the user's computer system 5 is connected to the store host system 6 via the public network PL, and the store host The system 6 is connected to the credit company host system 1 via a dedicated communication line L.

  The user computer system 5 includes a personal computer (hereinafter referred to as a personal computer) 7 and a printer 8, and the personal computer 7 is connected to the public network PL through an interface 9.

  The store host system 6 includes a host computer 10, a storage device 11, and a terminal device 12, and the host computer 10 is connected to the public network PL through an interface 13. The storage device 11 has a product information master 11a for managing product image data and detailed information (manufacturer name, price, size, color, etc.). The terminal device 12 is used to input product information and the like to the host computer 10 and is configured by a personal computer or the like.

  Next, a procedure for actually purchasing goods and services using this online shopping system will be described. After registering the authentication number with the credit company, the user activates the personal computer 7 to connect to the Internet and displays the homepage of the desired store (step # 105). Next, the user selects a product genre according to the instruction on the screen (step # 110), and then inputs the manufacturer name (step # 115).

  The store host computer 10 reads the image data of the product from the product information master 11a and transmits it to the user's personal computer 7 (step # 120). After confirming the image data of the product, the user inputs a request to display detailed information (price, color, size) of the product according to the instruction on the screen. The store host computer 10 reads the detailed information of the product from the product information master 11a and transmits it to the user's personal computer 7 (step # 125). When the user inputs that he / she wishes to purchase the product, the screen will ask for the input of credit information such as the credit card name, card number, authentication number, and payment method used to settle the payment for the purchase of the product. Therefore, the user inputs credit information (steps # 130 and # 135). If the user inputs that he / she does not wish to purchase the product in step # 130, the screen returns to the product genre selection screen.

  When the input of the credit information is completed, the store host computer 10 inquires of the credit company host computer 2 via the communication line L whether or not the purchase price of the product can be settled by the credit card. The host computer 2 searches the authentication number master 3b and checks whether the authentication number is registered or whether the use order of the authentication numbers is correct. If both are OK, the customer master 3a is searched. A search is performed to check whether the credit balance is a black card or not, and it is determined whether payment is possible (step # 140).

  If settlement is possible, the host computer 2 sends a message to that effect to the store host computer 10, records the transaction details in the customer master 3a, and records that the authentication number is used in the authentication number master 3b. As a result, when the same authentication number is used next time, it is determined that the card cannot be used. Further, when a plurality of authentication numbers are set on the card, the use order of the authentication numbers is incremented by one. Then, the store host computer 10 asks the user's personal computer 7 whether or not to purchase another product. When the user inputs that he / she purchases another product, the screen returns to the product genre selection screen, and when the user inputs that he / she does not purchase another product, the screen returns to the homepage screen (step # 145). Then, the product is shipped from the store to the user, and the purchase price of the product is withdrawn from the bank account of the user by the credit company on the settlement date.

  If it is determined in step # 140 that payment is not possible, the host computer 2 transmits a message to that effect to the store host computer 10 and displays an error message on the user's personal computer 7 and cancels the transaction. A display asking whether or not is displayed. When the user selects to continue the transaction, the screen returns to the product genre selection screen, and when the user selects to cancel the transaction, the screen returns to the home page screen (step # 150).

  In the above-described embodiment, the store host system directly inquires of the credit company host system whether or not the card can be used, but the card may be inquired via the credit system.

The block diagram which shows schematic structure of the host system of a credit company. The flowchart figure which shows the procedure which sets an authentication number. The block diagram which shows schematic structure of an online shopping system. The flowchart figure which shows the procedure which purchases goods and services by the online shopping system of FIG.

Explanation of symbols

1 Host system of credit company 5 Computer system of user 6 Host system of store PL Public line network (communication line)
L Communication line

Claims (3)

The user computer system and the store host system are connected via a communication line, and the user selects a desired product or service from the product information or service information transmitted from the store host system, The order information of the product or service is sent to the store host system together with the credit card name, card number, PIN number, payment method, etc., for payment of the purchase price of the product or service, and the store host system Inquiries to the card inquiry system for inquiring whether or not the card can be used via the communication line as to whether or not the payment of the purchase price can be settled by the credit card, and when the inquiry result is acceptable, the order from the user In the online shopping system that accepts orders,
A setting method for the cardholder to set an authentication number that cannot be used once,
Recording means for recording that the authentication number is used;
A determination means for determining whether or not the card can be used based on a recording result of the recording means, and provided in the card inquiry system;
The setting means can set a plurality of the authentication numbers for a single card and set a use order of the plurality of authentication numbers,
The card inquiry system determines whether the input authentication number and the order of use of the authentication numbers are correct,
When it is determined that the authentication number and the order in which the authentication numbers are used are correct, the user uses the authentication number instead of the password to place an order for goods or services,
An online shopping system using a credit card, wherein when the same authentication number as the used authentication number is used next time, the determination means determines that the card cannot be used.   2. The online shopping system using a credit card according to claim 1, wherein the authentication number is set on the paper after being set by the setting means.   The credit card according to claim 1 or 2, wherein when a plurality of authentication numbers are set, the order of use of the authentication numbers is advanced after receiving an order from a user. Online shopping system.

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