JP2001291034A - Credit card illegal use prevention system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a credit card illegal use prevention system and a credit card illegal use prevention method which are capable of preventing illegal use from being continued. SOLUTION: A credit card reader 1 reads information stored in a used credit card and notifies a credit card use detailed statement through a provider server 7 to a customer personal computer 9 by mail.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an unauthorized use of a credit card for notifying a contractor of a credit card use statement by e-mail when performing shopping or the like using a credit card reader installed in a store or the like. The present invention relates to a prevention system and a method for preventing unauthorized use of a credit card.

[0002]

2. Description of the Related Art Recently, with the increase in the number of credit card users, credit card readers have been installed in stores and the like, and it has become possible to carry out shopping without having cash. The credit card user confirms the deposit account by looking at the credit card statement sent from the credit company so that there is no shortage.

On the other hand, a credit card reader is
Since the identity of the user is not confirmed as a contractor of the credit card, another person can impersonate the identity card and use the credit card. Such unauthorized use is not uncommon, and newspapers and the like sometimes report that the contractor suffered enormous damage due to the unauthorized use.

[0004]

When a credit card is lost, the credit card can be sent to a credit card company to stop using the lost credit card. However, if the credit card company does not keep a record of the card number, the credit card company can investigate and confirm the credit card number before the use suspension is taken. Therefore, it takes time before the use suspension is taken. Therefore, there is a possibility of being misused by others within this period.

In general, a credit card usage statement is sent from a credit card company to a contractor who has used a credit card at a store or the like one to one and a half months later. This means that if an unauthorized use is performed, the contractor knows the fact of the unauthorized use one to one and a half months later. Therefore, in the related art, when a contractor notices unauthorized use of a credit card, the above-described enormous damage occurs, and it is desired to develop a preventive measure.

SUMMARY OF THE INVENTION It is an object of the present invention to prevent unauthorized use of a credit card by preventing the use of the credit card from being continued by immediately notifying the contractor of the details of the use by e-mail. A system and a method for preventing unauthorized use of a credit card.

[0007]

Means for Solving the Problems In order to solve the above problems, the present invention has the following constitution. The gist of the invention according to claim 1 is a credit card unauthorized use prevention system in which a credit card reader installed in a store or the like and a provider server prepared by a provider or the like are connected via a public network. The credit card reader reads the information stored in the used credit card, and sends a usage statement for the credit card to the customer computer of the credit card subscriber via the provider server. It consists in providing means. The gist of the invention described in claim 2 resides in that a credit card issued by a credit card company stores a telephone number of a provider server to be connected, a user name, a password, and a destination mail address relating to a contractor. The gist of the invention according to claim 3 is that the credit card reading device captures a telephone number of a provider server, a user name, a password and a destination mail address from the credit card, and at least a date, the user name, a password and A means for creating a usage statement to which a transmission destination mail address is added, and a means for sending the created usage statement by mail to a corresponding provider server using the telephone number are provided. The gist of the invention described in claim 4 is a credit card in a credit card unauthorized use prevention system in which a credit card reader installed at a store or the like and a provider server prepared by a provider or the like are connected via a public network. An unauthorized use prevention method, wherein the credit card reader reads information stored in a used credit card,
The present invention is to include sending an e-mail of a usage statement for the credit card to a customer computer of a contractor of the credit card via the provider server. The gist of the invention according to claim 5 is that the contractor confirms the received usage statement, and sends an email from the customer's personal computer to the credit card company when the usage is illegal, and the credit card company It consists in including disabling credit cards. The gist of the invention according to claim 6 is that the credit card company issues a credit card in which a telephone number of a provider server to be connected, a user name, a password and a destination mail address relating to a contractor are stored, and the credit card is issued. The reading device takes in the telephone number of the provider server, the user name, the password and the destination mail address from the used credit card, and creates a usage statement stating at least the date and the user name, the password and the destination mail address. And transmitting the created usage statement to a corresponding provider server by mail using the telephone number.

[0008]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS A system for preventing unauthorized use of a credit card and a method for preventing unauthorized use of a credit card according to an embodiment of the present invention will be described below with reference to FIGS. FIG. 1 is an overall configuration diagram of a credit card unauthorized use prevention system according to the present embodiment. In FIG.
The credit card reader 1 is arranged at a store or the like. The provider server 7 is a server device prepared by a provider or the like. The customer personal computer 9 is a personal computer used by a customer who is a contractor.

The credit card reader 1 and the provider server 7 are connected via a public network 6 to construct a network according to the present embodiment. Further, the customer's personal computer 9 is connected to the provider server 7 via the public network 8, and can receive a mail notification from the provider server 7. In addition, the customer's personal computer 9 can send an e-mail to a credit card company (not shown) via the public network 8.

In this embodiment, a credit card issued by a credit card company stores a telephone number of a provider server to be connected, a user name relating to a contractor, a password, a destination mail address, and the like.

The credit card reading device 1 includes a card reading unit 2 for reading a telephone number for connecting to the provider server 7 from the inserted credit card, a user name, a password, a transmission destination mail address, and the like concerning a contractor; The communication was performed between the mail server 4 and a provider server 7 for creating an e-mail in which the read user name, password, destination e-mail address, date, and store name were added to the credit card statement, and the e-mail notification was created. It has a communication connection unit 5 for transmitting mail to the provider server 7 and a main control unit 3 for controlling each unit.

Next, the operation of this embodiment will be described with reference to the operation flowchart shown in FIG. When the credit card is read (step S1), the main control unit 3
Checks the telephone number, user name, password, and destination mail address (step S2). Main control unit 3
Sends a card reading instruction to the card reading unit 2 again if there is any defect, returns to step S1, and waits for card reading.

On the other hand, in step S2, the main control unit 3
If there is no defect, send an instruction to the communication connection unit 5 to connect to the provider server 7 via the public network 6 according to the read telephone number, and wait for completion of connection (step S).
3). The communication connection unit 5 performs retransmission up to three times, for example (step S4), and notifies the main control unit 3 of the success or failure of connection with the provider server 7.

When the main control unit 3 can connect to the provider server 7, it sends an instruction to the mail notification creating unit 4 to create a credit card use statement for mail notification (step S5). Next, when the mail creation is completed, the main control unit 3
Causes the mail to be transmitted from the communication connection unit 5 to the provider server 7 (step S6).

As a result, the customer can receive the mail from the provider server 7 via the public network 8 by the customer personal computer 9 and check the credit usage details.
If the credit card has been used improperly, the customer sends the received usage statement to the credit card company by e-mail. As a result, the credit card company takes measures to stop further use of the unauthorized credit card. Since the date of improper use is described in the usage statement, usage is suspended from that date.

As described above, according to the present embodiment, when the credit card reader 1 reads the information of the used credit card, the credit card usage statement is sent to the customer who is the contractor via the provider server 7 by e-mail. Since the notification can be made, the customer can immediately know when the fraudulent use has been made.

In addition, the customer can avoid damage by merely notifying the credit card company of the details of use by e-mail, instead of explaining the credit card company by phone.

[0018]

As described above, according to the present invention,
If a customer who is a contractor uses a credit card fraudulently, it can be found on the same day and enormous damage can be avoided.

[Brief description of the drawings]

FIG. 1 is an overall configuration diagram of a credit card unauthorized use prevention system according to an embodiment of the present invention.

FIG. 2 is a flowchart showing the operation of the present embodiment.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Credit card reader 2 Card reading part 3 Main control part 4 E-mail notification preparation part 5 Communication connection part 6 Public network 7 Provider server 8 Public network 9 Customer personal computer

Claims (6)

[Claims] 1. A credit card improper use prevention system in which a credit card reader installed at a store or the like and a provider server prepared by a provider or the like are connected via a public network. The apparatus further comprises means for reading information stored in the used credit card, and mailing a usage statement for the credit card to the customer's personal computer of the credit card contractor via the provider server. Characterized credit card fraud prevention system. 2. A credit card issued by a credit card company, wherein a telephone number of a provider server to be connected, a user name relating to a contractor, a password, and a destination mail address are stored. Credit card fraud prevention system. 3. The credit card reader according to claim 1,
Means for capturing a telephone number of a provider server, a user name, a password, and a destination mail address from the credit card; means for creating a usage statement with at least a date and the user name, a password, and a destination mail address; 2. A system for preventing unauthorized use of a credit card according to claim 1, further comprising means for sending an e-mail of the created usage statement to a corresponding provider server using the telephone number. 4. A method for preventing unauthorized use of a credit card in a credit card unauthorized use prevention system in which a credit card reader installed at a store or the like and a provider server prepared by a provider or the like are connected via a public network. The credit card reader reads information stored in the used credit card, and sends a usage statement for the credit card to the customer computer of the credit card contractor via the provider server. A method for preventing unauthorized use of a credit card, comprising transmitting. 5. The contractor confirms the received statement of use, and transmits the use statement from the customer's personal computer to a credit card company if the use is illegal, and the credit card company determines that the credit card cannot be used. 5. The method for preventing unauthorized use of a credit card according to claim 4, comprising: 6. The credit card company issues a credit card in which a telephone number of a provider server to be connected, a user name relating to a contractor, a password, and a destination mail address are stored, and the credit card reader uses the credit card. The phone number of the provider server, the user name, the password and the destination e-mail address are taken in from the credit card obtained, and a usage statement with at least the date and the user name, the password and the destination e-mail address added is created, and the created 5. The method for preventing unauthorized use of a credit card according to claim 4, further comprising sending a use statement by e-mail to a corresponding provider server using the telephone number.