JP2000293577A - Credit card, information processor, information processing method, and recording medium recording information processing software - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a credit card allowed to be easily utilized and to easily execute settlement such as the deputy of receipt by a credit card. SOLUTION: In this information processor, in a convenience store, a bar code on a payment slip H and a bar code on a credit card C are successively scanned by a bar code reader 1R built in a store POS system 1. In a center system 2, a decoding part 22 converts the bar code number of the credit card included in card information into a credit card number. A checking part 23 judges whether settlement is valid or not on the basis of checking information 21 for each settlement. In a card company system 3, a temporal payment processing part 33 processes information concerned with the temporal payment of receiving money from the credit card company to the head office of the convenience store and the payment of commission to the processing part 24 of the head office system 2.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an improvement in technology related to credit cards, and more specifically, to an improvement in credit card technology.
It facilitates the use of a credit card and payment such as a storage by a credit card.

[0002]

2. Description of the Related Art In recent years, with the spread of computer and communication technologies, financial fields such as credit cards,
Distribution fields such as convenience stores are rapidly developing. For example, the use of credit cards has greatly increased due to safety and convenience without the need to carry large amounts of cash, expansion of available products and services, member stores, diversification of payment conditions, and the like.

For example, in convenience stores, not only merchandise sales, but also a large number of stores and a 24-hour business are used to store utilities such as electricity and gas, and to store goods and purchases. I have.

[0004] By the way, the conventional credit card displays information such as a card number by three-dimensional embossing on a ticket surface and records the information on a magnetic band. In such payment by credit card, a member of a member store clerk transfers the embossed characters on the ticket to a slip using an imprinter, or passes the card through a card reader of a credit terminal (CAT) to a magnetic band on the ticket. The recorded information was sent to the credit card company, and an approval number was returned.

[0005]

However, it is difficult for the conventional credit card as described above to be treated as a payment means in the above-mentioned storage agency in a convenience store or the like. That is, in the storage agency by the combination of the payment slip and the cash, the required information such as the payment amount can be input simply by scanning several bar codes on the payment slip with the bar code reader of the POS system.

On the other hand, in order to store the payment slip in combination with the conventional credit card as described above, not only the bar code on the payment slip is scanned, but also
Procedures and time for operating the imprinter and the credit terminal were required. That is, due to such procedures and time, it is difficult to maintain the processing efficiency at the cashier counter,
Introducing a credit terminal requires a high cost. For this reason, it has been difficult to handle a conventional credit card as a payment means in a storage agency in a convenience store or the like.

The present invention has been proposed to solve the above-mentioned problems of the prior art, and has as its object to provide a credit card which can be easily used by displaying a bar code on the credit card. It is to be. Further, another object of the present invention is to provide an information processing apparatus and method, and a recording medium on which information processing software is recorded, which can be easily stored by a credit card.
Another object of the present invention is to provide a credit card, an information processing apparatus and method, and a recording medium on which information processing software is recorded with excellent security.

[0008]

In order to achieve the above object, a credit card according to the present invention is characterized by displaying a bar code. According to the first aspect of the present invention, since a bar code is displayed on the credit card, when a storage agent is used in combination with a payment slip at a convenience store or the like, the bar code on the payment slip and the bar code of the credit card are used. Necessary information can be input to a POS system or the like only by scanning sequentially. In other words, the procedure and time for operating the imprinter and credit terminal are not required, and the processing efficiency at the cashier counter is maintained,
There is no need to introduce a credit terminal. For this reason,
With the credit card of the present invention, it is easy to handle as a payment means even for a storage agent in a convenience store or the like.

According to a second aspect of the present invention, in the credit card according to the first aspect, the bar code number represented by the bar code is obtained by converting a credit card number according to a predetermined rule. Features. According to a fifth aspect of the present invention, in the information processing apparatus according to the fourth aspect, at least one of the first computer and the second computer determines a barcode number included in the second information in advance. A means for converting into a credit card number according to regularity is provided. The invention according to claim 8 is an invention in which the invention according to claim 5 is regarded as a method. In the information processing method according to claim 7, at least one of the first computer and the second computer includes the second computer. And a step of converting the barcode number included in the information No. 2 into a credit card number in accordance with a predetermined rule. Claim 2,
In the inventions of the fifth and eighth aspects, the bar code number on the credit card and the credit card number are not the same, and have a correspondence according to a predetermined conversion rule. For this reason, the effect of preventing fraud by bar code forgery can be expected.
In this application, "credit card number"
This is a concept that means not only all digits of the credit card number but also a part of the credit card number such as the last 12 digits of 16 digits.

According to a third aspect of the present invention, in the credit card of the second aspect, the bar code number is converted into the credit card number by a predetermined conversion formula corresponding to a part thereof. It is characterized by having. According to the third aspect of the present invention, the conversion rule representing the correspondence between the barcode number and the credit card number is not one type, and the barcode number is decoded into a credit card number by a predetermined conversion method. Depending on the value of the digit, a different conversion formula must be selected and the conversion formula must process the entire bar code number. For this reason, it is difficult to decipher the correspondence between the barcode number and the credit card number, and fraud due to forgery of the barcode number is more effectively prevented.

[0011] According to a fourth aspect of the present invention, in the information processing apparatus for performing payment using a payment slip representing a target of payment and a credit card, the information is displayed on the payment slip using one or more bar codes. The first information and the second displayed on the credit card by one or more barcodes
, A first computer for reading the information, a confirmation information prepared in advance for the validity of the credit card, and a settlement based on at least the second information transmitted from the first computer. A second computer for determining whether or not the payment is determined to be valid by the second computer, and a third computer for performing payment based on the first information and the second information. , Is provided. According to a sixth aspect of the present invention, in the information processing method for performing payment using a payment slip representing an object of payment and a credit card, the first payment information displayed on the payment slip by one or more bar codes is provided. A step for reading the information, a step for reading the second information displayed on the credit card by one or more barcodes, and confirmation information prepared in advance for the validity of the credit card,
A step for determining whether the payment is valid based on at least the second information, and a step for performing payment based on the first information and the second information for the payment determined to be valid And characterized in that: According to a seventh aspect of the present invention, there is provided an information processing method for performing a settlement using a payment slip representing a target of settlement and a credit card, wherein the first aspect of the present invention is obtained from the viewpoint of a method. 1 or 2 depending on the computer
A step of reading the first information displayed on the payment slip by the above barcode and the second information displayed on the credit card by one or more barcodes; A step of determining whether the payment is valid based on confirmation information prepared in advance on the validity of the credit card and at least the second information transmitted from the first computer; and a third computer With regard to the settlement determined to be valid by the second computer,
And performing a settlement based on the first information and the second information. The ninth aspect of the present invention captures the inventions of the fourth and seventh aspects from the viewpoint of a recording medium on which computer software is recorded. Using a computer, a payment slip representing an object of settlement, a credit card, In a recording medium that records information processing software for performing payment using a computer, the software stores, on a first computer, first information displayed on a payment slip by one or more bar codes; Or, read the second information displayed on the credit card by two or more bar codes, and send to the second computer confirmation information prepared in advance regarding the validity of the credit card, and transmission from the first computer. And making the third computer determine whether the payment is valid based on at least the second information. The settlement is determined to be valid by the computer, characterized in that to perform settlement based on said first information and second information.

In the inventions of claims 4, 6, 7, and 9, for example, the POS system of each convenience store is used as the first computer, and the tallying host of the franchise chain headquarters of the convenience store is used as the second computer. A third computer is a host computer of a credit card company that issues a credit card used for settlement, and these computers are networked by a communication line or the like. And
In the case of performing a storage agency by combining a payment card and a credit card, at a cashier counter of a convenience store or the like, a bar code reader for a POS system or the like is used to read a bar code on the payment card and a bar code of the credit card using a bar code reader. Scan sequentially. Thereby, the first information related to the payment slip and the second information related to the credit card are input to the first computer, and are sent to the second computer such as the headquarters as a storage result or card settlement information. . The second computer accumulates in advance confirmation information on invalid cards, card limits (floor limits), and the like provided by the credit card company or the like, and updates the information as needed. Then, when the information is received from the first computer, it is determined whether the settlement is valid based on the confirmation information. Then, the second computer performs payment by exchanging information with a third computer such as a credit card company for the payment determined to be valid. As a result of such settlement, the credit card company pays out the deposit and pays the commission to the convenience store headquarters, etc., and the convenience store headquarters pays the deposit to the power company or gas company etc. related to the payment slip The credit card company receives payment from the credit card owner, including the deposit. As described above, claims 4, 6, 7, 9
According to the invention, by simply reading the payment slip and the barcode of the credit card at a cashier counter of a convenience store, necessary information is transferred over a computer network, the validity of the card is confirmed, and the settlement is safe and efficient. Complete. The first information on the payment slip and the second information on the credit card may be represented by a plurality of bar codes, respectively. In such a case, the first information and the second information are determined in a predetermined order. Scan multiple barcodes.

[0013]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of a credit card, an information processing apparatus and method, and a recording medium on which information processing software is recorded (hereinafter, referred to as "embodiment") will be described with reference to the drawings. I do. Here, it is generally considered that the information processing apparatus and method of the present invention are realized by controlling a computer having a peripheral device by software. In this case, the software is created by combining the instructions according to the description in this specification, and the common parts with the above-described prior art use the technique described in the prior art. Further, the software includes not only program codes but also data prepared in advance for use in executing the program codes.

The software includes a processing device such as a CPU and various peripheral circuits, a bar code reader,
The functions and effects of the present invention and the present embodiment are realized by utilizing physical resources such as an input device such as a keyboard and a mouse, a storage device such as a memory and a hard disk device, an output device such as a display and a printer, and a network connection device.

However, the specific software and hardware configuration for realizing the present invention can be variously changed. For example, software formats include compilers,
Various things such as an interpreter and assembler can be considered. A recording medium such as a CD-ROM on which information processing software for realizing the present invention is recorded is also an aspect of the present invention even when used alone. Further, a part of the functions of the present invention can be realized by a physical electronic circuit such as an LSI.

As described above, various modes for realizing the present invention using a computer are conceivable. In the following, the present invention will be described while using virtual circuit blocks for realizing individual functions included in the present invention and the embodiments. The invention and embodiments will be described.

[1. Configuration] This embodiment shows an example of a credit card displaying a barcode. Further, the present embodiment shows an example of an information processing apparatus and a method for performing a storage agency at a convenience store using such a credit card and a payment slip such as a utility bill such as an electricity bill or a gas bill. It is.

[1-1. Configuration of Credit Card] First, FIG. 1 is a diagram showing an example in which a bar code is displayed on the back of the credit card in the present embodiment. In this example, a magnetic band M is provided on the top of the back of the credit card.
A pair of barcodes B1 and B2 are displayed at the bottom by printing. Here, such a barcode may be displayed on a normal credit card used for other shopping, eating and drinking, etc., or separately from such a normal credit card, a payment as exemplified in the present embodiment. May be issued a dedicated credit card and displayed on it.

Further, the number of bar codes to be displayed, whether the bar code is displayed on the front side or the back side of the credit card, or whether the bar code is displayed separately on the front side and the back side, can be freely determined. For example,
FIGS. 2 and 3 show bar codes B1 and B as shown in FIG.
2 is the front (Figure 2) and back (Figure 3) of the credit card
In the example of FIG. 2, the bar code B1 is displayed while avoiding the embossed portion E such as a credit card number.

[1-2. Configuration of Bar Code]
4 and 5 show examples of the barcodes shown in FIGS. The barcodes in FIGS. 4 and 5 are integrated with each other, and information of a predetermined unit can be input by sequentially scanning with a barcode reader such as a POS system. That is, in the barcode of FIG. 4, the first one digit is a main code flag, and the remaining twelve digits are barcode numbers which will be described in detail later. In the bar code of FIG. 5, five digits from the digit “2” to the digit “6” represent the company code, and the last digit “7” and “0” respectively. Is a check digit.

The bar code number is obtained by converting, for example, the last 12 digits of the credit card number in accordance with a predetermined rule.
This barcode number is configured to be converted into a credit card number by a predetermined conversion formula corresponding to a part thereof.

That is, if a bar code, which is a bar code number just as it is, is added to the credit card, the credit card number can be easily deciphered from the bar code. The card number is converted, that is, encrypted and used as a barcode number.

The following conversion rule uses a characteristic based on a card numbering method, and uses different encryption (card number) according to the number at a specific position in a credit card number or a bar code number. Conversely, by creating a pattern of (scramble), a relationship in which a certain digit is specified in a certain pattern is realized.

More specific examples include the following. For example, when converting an eight-digit bar code number to the same eight-digit credit card number, a key consisting of the two digits consisting of the second and third digits of the bar code number is used. It is determined in advance whether to use an equation. As an example, if the key is "01",
It is assumed that a conversion formula for bringing the last number of the barcode number to the top is determined.

In this case, for example, if the bar code number is 48
In the case of “01” 6034, a credit card number of 44801603 can be obtained by adding “4” at the end.

As another example, when the key is "02", and the conversion formula of bringing the leading numeral of the bar code number to the end is determined, for example, the bar code number is 48 "02" 6034. In this case, a credit card number of 80260344 can be obtained by adding "4" at the beginning to the end.

As another example, when the key is "03", the conversion is such that the third and fourth digits are replaced with the first and second digits, and the seventh and eighth digits are replaced with the fifth and sixth digits. When the formula is determined, for example, the bar code number is 48 “03”
If it is 6034, it is 03483 according to this conversion formula.
A credit card number of 460 is obtained. Also,
Different conversion formulas may be defined for the keys after “04”.

The above example is merely a conceptual example of converting a barcode number into a credit card number, and the reverse process is performed at the stage of creating a barcode number from a credit card number. Just do it. Since specific conversion rules and conversion formulas can be freely determined, a combination of conversion rules and conversion formulas acting as inverse functions at the time of encryption and decryption can be appropriately adopted.

Although the above example is an example of a relatively simple conversion rule, even with this level of protection,
The effect of preventing easy fraud can be expected. That is, although the above barcode number is completely different from the credit card number, it has a one-to-one correspondence with the credit card number. For example, a third party forges an appropriate barcode number. Even if a fraudulent attempt is made, it is possible to easily check whether or not the bar code number is an existing bar code number by trying decryption according to the above conversion rule and checking the number with the numbering characteristics of the credit card number.

[1-3. Configuration of Information Processing Apparatus] Next, the configuration of an information processing apparatus for performing a payment such as a utility bill using the above-described credit card on which a bar code is displayed and a payment slip will be described. Here, "Payment slip"
Is a document indicating the name, amount, and payer of the object to be settled, and is issued from a requester such as an electric company or a gas company to a customer who is a requestee. In addition, settlement can cover not only utility charges but also desired payments such as goods sales prices, but in order to prevent fraud, it is necessary to limit payment to payments that can be specified by the demandee. Extremely desirable.

FIG. 6 is a functional block diagram showing the configuration of the information processing apparatus (referred to as the information processing apparatus) in the present embodiment. That is, the present information processing apparatus
The OS system 1, the headquarters system 2, and the card company system 3 are networked by connecting them with a communication line.

The store POS system 1 is a POS system installed at each convenience store, and it is assumed that there are many POS systems. In addition, this store P
The OS system 1 uses the first information (called storage information) displayed on the payment slip and the second information displayed on the credit card.
Information (referred to as card information) and the first
Computer.

That is, this store POS system 1
A bar code reader 1R and a transfer processing unit 12;
Among them, the barcode reader 1R is a device for reading barcode information displayed on the payment slip H or the credit card C by scanning (scanning) with a laser beam or the like. That is, the storage information and the card information are respectively displayed on the payment slip and the credit card by one or more bar codes,
For example, the card information includes a barcode number read from the barcode. The transfer processing unit 12 is a part for transmitting the storage information and the card information thus read to the headquarters system 2.

The headquarters system 2 is, for example, a tallying host of the franchise chain headquarters of the convenience store. The headquarters system 2 stores at least card information transmitted from the store POS system 1 with confirmation information prepared in advance regarding the validity of a credit card. And a second computer for determining whether the payment is valid based on the second computer.

That is, the headquarters system 2 includes the confirmation information 21, the decryption unit 22, the confirmation unit 23, and the payment processing unit 24. The confirmation information 21 is information on the validity of each credit card, and is provided and updated by the card company system 3.

The validity of a credit card is a concept that widely includes information related to validity, such as a floor limit (limit). In addition, the decryption unit 22 stores the POS
This is a part for converting the bar code number of the card information sent from the system 1 into a credit card number in accordance with a predetermined regularity, and decoding by such conversion is performed by the store POS system 1. It may be configured as follows.

The checking section 23 is a section for checking whether or not the settlement is valid by comparing the card information and the storage information with the checking information 21. The payment processing unit 24 is a part for performing processing related to settlement.

The card company system 3 is a host computer or the like of a credit card company that issues a credit card used for settlement.
And a third computer for performing payment based on the card information and the storage information for the payment determined to be valid by the third computer.

This card company system 3 has customer information 3
1, an approval unit 32, a replacement payment processing unit 33, and a billing processing unit 34. The customer information 31 is information about the customer such as an attribute and a credit limit. The approval unit 32 compares the card information and the storage information with the customer information 31 for the payment determined to be valid by the headquarters system 2. Is a part for finally deciding whether to approve the settlement.

The reimbursement processing section 33 is a section for performing processing related to payment such as reimbursement for approved payment, and the billing processing section 34 transmits the reimbursed usage to a customer who is the owner of the credit card. This is a part for performing a billing process.

[2. Operation] Next, an operation of the information processing apparatus configured as described above, that is, an example of an information processing method will be described. First, FIG. 7 is a flowchart illustrating a processing procedure in the present embodiment. That is, in the case of performing the storage agency by combining the payment slip H and the credit card C, first, the customer brings the payment slip H and the credit card C to the convenience store. Payment slip H
Is delivered from the claimant S (FIG. 6) such as a power company or a gas company to the customer who is the demandee by mail or the like.

[2-1. Barcode Scan] At a convenience store, a clerk at a cashier counter or the like operates a barcode reader R1 of the store POS system 1.
Then, the barcode on the payment slip H and the barcode on the credit card C are sequentially scanned (step 1).
Note that the storage information on the payment slip H and the card information on the credit card C may each be represented by a plurality of barcodes. In such a case, the plurality of barcodes are displayed in a predetermined order. Scan the barcode.

As a result, the storage information relating to the payment slip H and the card information relating to the credit card C are stored in the store POS.
Input to the system 1 (step 1), the transfer processing unit 12
Transmits the storage information and the card information to the headquarters system 2 (step 2). The information transferred in this manner is also called a storage result, card settlement information, or the like.

[2-2. Confirmation of Validity of Settlement] In the headquarters system 2, confirmation information 21 concerning invalid cards, card limits (floor limits), and the like provided from the card company system 3 is stored in advance and appropriately updated. . In the headquarters system 2, the store PO
When receiving the storage information and the card information from the S system 1, first, the decryption unit 22 converts the bar code number of the credit card included in the card information into a credit card number, and the confirmation unit 23 converts the bar code number into the confirmation information 21. It is determined whether the settlement is valid based on the matter (step 3). Then, the headquarters system 2 transmits information on the payment determined to be valid (step 4) to the card company system 3 (step 5).

[2-3. Processing Regarding Approval and Payment] In the card company system 3, the card information and storage information transmitted from the headquarters system 2 are
2 determines whether the settlement is formally approved by collating with the customer information 31 (step 6). As a result, if there is no problem, the advance payment processing unit 33 communicates with the payment processing unit 24 of the headquarters system 2 on the advance payment of the deposit from the credit card company to the headquarters of the convenience store and the payment of the fee. Is processed (step 8). Along with this, the headquarters of the convenience store and the like, by the payment processing unit 24 of the headquarters system 2, with respect to the settlement money settled, information on payment to the biller S such as a power company or a gas company related to the payment slip. To process.

Then, the credit card company receives a payment for the usage fee including the deposit from the credit card holder by the billing processing unit 34 of the card company system 3. (Step 9).

In the confirmation by the confirmation unit 23 of the headquarters system 2 (Step 4) or the judgment by the approval unit 32 of the card company system 3 (Step 7), it is determined whether the bar code number is incorrect, the credit card is not valid, or the payment is made. If a problem such as exceeding the floor limit with the amount stored by the vote is found, the settlement is reserved and exception processing such as contacting and confirming the customer is performed (step 1).
0).

[3. Effect) As described above, in the present embodiment, since the barcode is displayed on the credit card, when performing the storage agency in combination with the payment slip at a convenience store or the like, the barcode on the payment slip,
Necessary information can be input to a POS system or the like simply by sequentially scanning the barcode of the credit card. That is, the procedure and time for operating the imprinter and the credit terminal are not required, the processing efficiency at the cashier counter is maintained, and the cost for introducing the credit terminal or the like is unnecessary.

For this reason, the credit card according to the present embodiment can be easily handled as a payment means even in a storage agency in a convenience store or the like. In particular, customers can settle utility bills by credit card, unifying payment types that differed by type, unify the date of credit card debit, and use payment methods such as revolving payments and bonus repayments By doing so, it is possible to facilitate the monthly payment to be equalized or to collectively pay when there is enough time for the monthly billing amount, and to facilitate household management.

In particular, in the present embodiment, the barcode number on the credit card and the credit card number are not the same, but have a correspondence according to a predetermined conversion rule. For this reason, the effect of preventing fraud by bar code forgery can be expected.

Further, in the present embodiment, the conversion rule representing the correspondence between the bar code number and the credit card number, that is, the conversion formula is not one type, and the bar code number is decoded into the credit card number by the bar code number. Depending on the value of the given digit in, select a different conversion formula,
The conversion formula must process the entire barcode number. For this reason, it is difficult to decipher the correspondence between the barcode number and the credit card number, and fraud due to forgery of the barcode number is more effectively prevented.

In the present embodiment, necessary information is transferred on a computer network by simply reading the payment slip and the barcode of the credit card at a cashier counter of a convenience store, and the validity of the card is confirmed. , Settlement is completed safely and efficiently.

[4. Other Embodiments] The present invention is not limited to the above embodiments, but includes other embodiments as exemplified below. For example, the configuration of the credit card, the barcode, and the information processing device shown in the above embodiment are merely examples, and the position of the barcode to be displayed on the credit card, the standard and format of the barcode, the confirmation information and the customer information. It is possible to freely change the contents, format, update frequency, details regarding conversion rules and conversion formulas, and the like.

In addition, the order in which the first information or the second information is read first is arbitrary, and when the second computer determines the validity of the settlement, it is based on only the card information. For example, the validity / invalidity of the credit card may be simply determined, or the determination up to, for example, the usage limit may be performed using both the card information and the storage information. Further, the number of computers used for information processing related to payment is not limited to three, and the configuration can be changed as appropriate.

Further, it is not essential that the third computer judge again for the information determined to be valid by the confirmation information in the second computer.

[0056]

As described above, according to the present invention, it is possible to provide a credit card which can be easily used, so that the use range of the credit card is expanded and the usefulness is improved.

[Brief description of the drawings]

FIG. 1 is a view showing an example of a credit card displaying a barcode (back side) in the embodiment of the present invention.

FIG. 2 is a diagram illustrating another example of a credit card displaying a barcode (front surface) in the embodiment of the present invention.

FIG. 3 is a view showing another example of a credit card displaying a barcode in the embodiment of the present invention (back side).

FIG. 4 is a view showing an example of a barcode according to the embodiment of the present invention.

FIG. 5 is a diagram showing an example of a barcode according to the embodiment of the present invention.

FIG. 6 is a functional block diagram showing a configuration of an information processing system according to the embodiment of the present invention.

FIG. 7 is a flowchart showing a procedure of information processing according to the embodiment of the present invention.

[Explanation of symbols]

 B1, B2: Barcode E: Embossed portion M: Magnetic band 1: Store POS system 2: Headquarters system 3: Card company system 1R: Barcode reader 12: Transfer processing unit 21: Confirmation information 22: Decoding unit 23 ... Confirmation unit 24 Payment processing unit 31 Customer information 32 Approval unit 33 Replacement payment processing unit 34 Billing processing unit STEP Steps in the procedure C Credit card H Payment slip S Requester

 ──────────────────────────────────────────────────続 き Continued on the front page F term (reference) 2C005 HA03 HB09 JA15 JB33 LA38 LB38 LB55 5B035 BB01 BB02 BC00 5B049 BB11 CC05 EE22 EE23 5B072 BB10 CC02 CC04 CC24 DD02

Claims (9)

[Claims] 1. A credit card displaying a bar code. 2. The credit card according to claim 1, wherein the bar code number represented by the bar code is obtained by converting a credit card number according to a predetermined rule. 3. The credit card according to claim 2, wherein the bar code number is converted into the credit card number by a predetermined conversion formula corresponding to a part of the bar code number. 4. An information processing apparatus for performing payment using a payment slip representing a target of payment and a credit card, wherein the first information displayed on the payment slip by one or two or more bar codes includes: A first computer for reading second information displayed on a credit card by one or more barcodes; confirmation information prepared in advance on the validity of the credit card; and the first computer And a second computer for determining whether the payment is valid based on at least the second information transmitted from the first information and the first information regarding the payment determined to be valid by the second computer. An information processing apparatus, comprising: a third computer for performing payment based on second information. 5. A method according to claim 1, wherein at least one of said first computer and said second computer converts a bar code number included in said second information into a credit card number in accordance with a predetermined rule. 5. The information processing apparatus according to claim 4, further comprising: means. 6. An information processing method for performing payment using a payment slip representing an object of payment and a credit card, wherein the first information displayed on the payment slip by one or more bar codes is used. A step of reading; a step of reading second information displayed on the credit card by one or more barcodes; a confirmation information prepared in advance on the validity of the credit card; A step of determining whether the payment is valid based on the information; and a step of performing payment based on the first information and the second information for the payment determined to be valid. An information processing method characterized by the following. 7. An information processing method for performing payment using a payment slip representing a target of payment and a credit card, wherein the first computer displays one or more barcodes on the payment slip. First information and 1 or 2
A step for reading the second information displayed on the credit card by the above bar code; and a confirmation information prepared in advance for the validity of the credit card by the second computer; A step for determining whether or not the payment is valid based on at least the second information transmitted; and a step for determining whether or not the payment is valid by the second computer by the third computer. An information processing method, comprising: performing a settlement based on information and second information. 8. At least one of the first computer and the second computer for converting a barcode number included in the second information into a credit card number in accordance with a predetermined rule. 8. The information processing method according to claim 7, comprising a step. 9. A recording medium recording information processing software for performing a payment using a computer and a payment slip representing a payment target and a credit card, wherein the software is a first computer First information displayed on the payment slip by one or more barcodes, and second information displayed on the credit card by one or more barcodes.
And the second computer reads the confirmation information prepared in advance as to the validity of the credit card and the payment is valid based on at least the second information transmitted from the first computer. Determining whether or not the payment is valid by the second computer based on the first information and the second information. Recording medium on which software for recording is recorded.