JP2011128898A - Transaction system, transaction method and card information providing server - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To perform authorization, sales and inquiry processes without leaving card numbers in an affiliated store terminal. <P>SOLUTION: A card information providing server configured to associatively store a credit card number, a transaction number identifying transaction and a sub number corresponding to the transaction number sends an authorization request sent from the affiliated store terminal to a card company server and, in response to receiving an authorization result, generates and stores in a card information storage part a sub number corresponding to a transaction number and sends the sub number to the source of the authorization request; and in response to an inquiry request for the sub number corresponding to the transaction number sent from the affiliated store terminal, sends the sub number and, in response to an inquiry request for the card number corresponding to the sub number sent from the card company server, sends the card number and sends affiliated store sales data corresponding to the card number to the card company server. <P>COPYRIGHT: (C)2011,JPO&INPIT

Description

  The present invention relates to a technology in a transaction using a credit card.

A credit card may be used as a payment method for receiving goods or services. In payment by credit card, a purchaser presents a credit card issued in advance by a credit card company when receiving purchase of goods or services at a credit card member store. Upon receiving the credit card presentation, the salesperson causes the member store terminal installed at the member store to read the credit card number of the credit card. The member store terminal transmits the card number to the card company server of the card company connected via the network, and makes an authorization request for the presented credit card. The card company server performs an authorization process for determining whether or not to approve a transaction based on the transmitted card number, and transmits the authorization result to the member store terminal. If it is determined that the transaction is approved in the authorization process, the merchant performs a transaction to provide goods or services to the purchaser. The card company pays the merchant for the transaction. In addition, the card company charges the purchaser the price paid to the member store. Accordingly, for example, the purchaser can pay the price with a credit card without having cash, and the member store can expand sales opportunities for the purchaser.
In Patent Document 1, payment is made without transmitting a credit card card number to each of a plurality of merchandise sales sites by performing credit card settlement at a plurality of merchandise sales sites on the Internet at a single settlement site. Technology is shown. Patent Document 2 discloses a technique for issuing a virtual card number corresponding to a card number of a credit card and performing card payment on the Internet based on the issued virtual card number. As a result, it is not necessary to store the card number in the store system that sells products on the Internet, so there is a risk that the card number stored in the store system will be stolen or illegally used. Can be reduced.

JP 2002-298055 A JP 2002-236862 A

  However, as a process that requires a card number in transactions between a merchant and a card company, in addition to the above-mentioned authorization process, a sales process that sends sales data of sales using a credit card at a merchant to the card company In addition, there is an inquiry process in which a member store makes an inquiry about a transaction to a card company. Since such processing is performed by specifying the transaction by card number, if the card number is not stored in the member store terminal at the time of authorization processing, the transaction is specified at the time of sales processing or inquiry processing It becomes impossible to do. Therefore, it is desirable to perform authorization processing, sales processing, and inquiry processing without leaving a card number in the member store terminal.

  The present invention has been made in view of such circumstances, and provides a transaction system, a transaction method, and a card information providing server that perform an authorization process, a sales process, and an inquiry process without leaving a card number in a member store terminal. .

  In order to solve the above-described problems, the present invention pays a member store terminal of a member store that conducts a transaction for providing goods or services in response to the presentation of a predetermined credit card, and the member store according to the transaction. A transaction system comprising a card company's card company server and a member store terminal and a card information providing server connected to the card company server via a network. A transaction information storage unit in which a price corresponding to a transaction and a sub number corresponding to the card number of the credit card are stored in association with each other, a card information reading unit that reads the card number of the credit card from the credit card, Based on the card number read by the card information reading unit, authorization for payment of the price to the card information providing server. A transaction processing unit that stores the transaction number and the sub-number transmitted from the card information providing server in response to the transmitted authorization request in association with the transaction number and the price, and the transaction number A first inquiry processing unit that transmits a sub-number inquiry request to the card information providing server and receives a sub-number transmitted from the card information providing server in response to the inquiry request. A card information storage unit in which a card number, a transaction number, and a sub-number corresponding to the transaction number are stored in association with each other, and an authorization request transmitted from a member store terminal is transmitted to the card company server. When the authorization result sent from the card company server is received, a sub number corresponding to the transaction number is generated and A sub number corresponding to the transaction number transmitted from the member store terminal, and a sub number generation unit that stores the number, sub number, and transaction number in association with each other in the card information storage unit and transmits the sub number to the authorization request transmission source. In response to a number inquiry request, a merchant inquiry service providing unit that reads a sub number corresponding to a transaction number from the card information storage unit and transmits it, and a card number inquiry corresponding to the sub number transmitted from the card company server In response to a request, a card company inquiry service provider that reads and sends the card number corresponding to the sub-number from the card information storage unit, and a sales that sends the merchant's sales data corresponding to the card number to the card company server. The card company server according to the authorization request transmitted from the card information providing server. The authorization processing unit that performs the authorization process and sends the authorization result to the card information providing server, and sends the card number inquiry request to the card information providing server according to the sub number, and from the card information providing server in response to the inquiry request And a second inquiry processing unit that receives the transmitted card number.

  Further, the present invention is characterized in that the sub-number generating unit of the card information providing server generates a sub-number composed of a digit string having the same number of digits as the card number.

  Further, the present invention is a member store terminal of a member store that conducts a transaction that provides goods or services in accordance with the presentation of a defined credit card, and for each transaction number that identifies the transaction, , A member store terminal having a transaction information storage unit in which a sub-number corresponding to a credit card number is stored, a card company server of a card company that pays the member store a price according to the transaction, and a member A card information providing server that is connected to a store terminal and a card company server via a network and has a card information storage unit that stores a card number, a transaction number, and a sub-number corresponding to the transaction number in association with each other; A transaction method of the transaction system provided, wherein the member store terminal reads the credit card number from the credit card; A step of transmitting an authorization request for payment of payment to the card information providing server based on the card number, a step of the card information providing server transmitting an authorization request transmitted from the member store terminal to the card company server, and a card The company server performs a predetermined process in response to the authorization request transmitted from the card information providing server, and transmits the authorization result to the card information providing server; and the authorization that the card information providing server transmits from the card company server. Receiving the result, generating a sub-number corresponding to the transaction number, storing the card number, the sub-number and the transaction number in the card information storage unit, and transmitting the sub-number to the sender of the authorization request; and , Merchant terminal card A step of storing a sub number transmitted from the information providing server in a transaction information storage unit in association with a transaction number and a price, and a step of transmitting an inquiry request for the sub number corresponding to the transaction number to the card information providing server; The card information providing server reads the sub number corresponding to the transaction number from the card information storage unit and transmits it to the member store terminal in response to the sub number inquiry request corresponding to the transaction number; and the card company server, A step of transmitting a card number inquiry request corresponding to the sub number to the card information providing server, and the card information providing server responding to the card number inquiry request corresponding to the sub number with the card number corresponding to the sub number The step of reading from the information storage unit and transmitting it to the card company server, and the sales data of the merchant corresponding to the card number to the card company server And a step of transmitting.

  The present invention also relates to a member store terminal of a member store that conducts a transaction for providing goods or services in response to the presentation of a predetermined credit card, and a card company server of a card company that pays the member store a price corresponding to the transaction. A card information providing server in a transaction system comprising a card information providing server connected to a member store terminal and a card company server via a network, the card number of the credit card, the transaction number for identifying the transaction, The card information storage unit in which the sub-number corresponding to the transaction number is stored in association with each other, and the authorization request transmitted from the member store terminal is transmitted to the card company server, and is transmitted from the card company server in response to the authorization request. When the authorization result is received, a sub number corresponding to the transaction number is generated and the card A sub number corresponding to the transaction number transmitted from the member store terminal, and a sub number generation unit that transmits the sub number to the authorization request transmission source. In response to a number inquiry request, a merchant inquiry service providing unit that reads a sub number corresponding to a transaction number from the card information storage unit and transmits it, and a card number inquiry corresponding to the sub number transmitted from the card company server In response to a request, a card company inquiry service provider that reads and sends the card number corresponding to the sub-number from the card information storage unit, and a sales that sends the merchant's sales data corresponding to the card number to the card company server. And a data transmission unit.

  As described above, according to the present invention, the card information providing server stores the credit card number, the transaction number for identifying the transaction, and the sub-number corresponding to the transaction number in association with each other. An authorization request sent from the terminal is sent to the card company server, and when an authorization result sent from the card company server is received in response to the authorization request, a sub number corresponding to the transaction number is generated and stored in the card information storage unit. In addition, the sub-number is transmitted to the sender of the authorization request, and the card company information and the sub-number are transmitted in response to the sub-number inquiry request corresponding to the transaction number transmitted from the member store terminal. The card number is sent in response to an inquiry request for the card number corresponding to the sent sub number, and Flip was a merchant of sales data, so was to send to the card company server, without leaving a card number to the merchant terminal, authorization processing, sales processing, it is possible to efficiently perform the query processing.

It is a block diagram which shows the structural example of the transaction system by one Embodiment of this invention. It is a figure which shows the example of data of the transaction information memorize | stored in the transaction information storage part of the member store terminal by one Embodiment of this invention. It is a figure which shows the example of data of the card information memorize | stored in the card information storage part of the card information provision server by one Embodiment of this invention. It is a figure which shows the example of data of the transaction information memorize | stored in the transaction information storage part of the card company server by one Embodiment of this invention. It is a figure which shows the operation example of the authorization process at the time of the purchase by one Embodiment of this invention. It is a figure which shows the operation example of the authorization process at the time of cancellation and returned goods by one Embodiment of this invention. It is a figure which shows the operation example of the sales data transmission process by one Embodiment of this invention. It is a figure which shows the operation example of the inquiry process by one Embodiment of this invention.

Hereinafter, an embodiment of the present invention will be described with reference to the drawings.
FIG. 1 is a block diagram showing a configuration of a transaction system 1 according to the present embodiment. The transaction system 1 includes computer devices including a member store terminal 10, a card information providing server 20, and a card company server 30. Here, one member store terminal 10 and one card company server 30 are illustrated and described. However, the transaction system 1 has a plurality of member store terminals 10 installed in a plurality of member stores that are members of a credit card. Or a plurality of card company servers 30 installed for each of a plurality of credit card companies. Further, although the card information providing server 20 is illustrated as a single computer, each functional unit may be distributed among a plurality of computers according to, for example, the network environment and processing load.

The member store terminal 10 is a computer device of a member store that conducts transactions for providing products or services in accordance with the presentation of a credit card handled by a credit card company that has been contracted in advance. The member store terminal 10 includes a display for displaying a screen, an input unit such as a keyboard and a mouse for receiving information input from the user, and the like. For example, the member store terminal 10 is used by a member store salesperson who receives a credit card presented by a purchaser. The member store terminal 10 includes a communication unit 11, a card information reading unit 12, a transaction information storage unit 13, a transaction processing unit 14, an inquiry processing unit 15, and a sales data generation unit 16.
The communication unit 11 performs information communication with the card information providing server 20 via a network.

  The card information reading unit 12 reads the card number of the credit card from the credit card presented to the salesperson by the purchaser. For example, the card information reading unit 12 may be an IC card reader that reads a credit card that is an IC card, or may be a magnetic card reader that reads a credit card that is a magnetic card.

  In the transaction information storage unit 13, for each transaction number that identifies a transaction between a purchaser and a member store, a price corresponding to the transaction and a sub number corresponding to the card number of the credit card are stored in association with each other. . FIG. 2 is a diagram illustrating a data example of transaction information stored in the transaction information storage unit 13. The transaction information stored in the transaction information storage unit 13 stores, for example, information indicating date and time, slip number, sub number, approval number, purchased product, and price. The date and time is the date and time when the card information reading unit 12 read the card number and the transaction was performed. The slip number is a transaction number for identifying a transaction at a member store. Here, the slip number may be a number uniquely assigned to each member store. That is, the slip number is unique in transactions at the same member store, but the same slip number may be assigned to different transactions at different member stores. However, here, an example in which a slip number at a member store is applied as a transaction number will be described, but the transaction number is information generated to uniquely identify a member store transaction using the card information providing server 20, for example. It may be. The sub number is a number transmitted from the card information providing server 20 in accordance with the card number read by the card information reading unit 12, and a plurality of sub numbers are associated with one card number. good. The approval number is information indicating that the corresponding transaction has been approved by the credit card company. The purchased product is information for identifying the product or service provided in the corresponding transaction. The price is a price paid according to the goods or services provided in the corresponding transaction.

  Based on the card number read by the card information reading unit 12, the transaction processing unit 14 transmits an authorization request regarding payment of the price to the card information providing server 20, and from the card information providing server 20 in response to the transmitted authorization request. The transmitted sub number is stored in the transaction information storage unit 13 in association with the transaction number and the price. Here, the transaction processing unit 14 generates a transaction number for uniquely identifying the transaction for each transaction, and stores the transaction number in the transaction information storage unit 13. The authorization request transmitted by the transaction processing unit 14 includes information such as the card number read by the card information reading unit 12, the transaction number for identifying the transaction, and the price required for settlement in the transaction.

  The inquiry processing unit 15 transmits a sub-number inquiry request corresponding to the transaction number to the card information providing server 20, and the card company information and sub-number transmitted from the card information providing server 20 in response to the transmitted inquiry request. Receive. The inquiry processing unit 15 has a function of an Internet browser that transmits and receives HTML (HyperText Markup Language) data and the like based on HTTP (HyperText Transfer Protocol) communication and the like. For example, the inquiry processing unit 15 requests the card information providing server 20 for an inquiry condition input screen including an input form for inputting an inquiry condition for information related to a card. The inquiry processing unit 15 displays the inquiry condition input screen transmitted from the card information providing server 20 on the display unit of the member store terminal 10. The input form of the inquiry condition input screen includes, for example, an input control for inputting information such as transaction date / time, transaction number, and sub number, and accepts information input of an inquiry condition from the user. When the inquiry processing unit 15 receives an input of a transmission request for an inquiry condition, the inquiry processing unit 15 transmits the input inquiry condition to the card information providing server 20, receives an inquiry result corresponding to the inquiry, and displays it on the display unit.

  The sales data generation unit 16 reads the transaction information stored in the transaction information storage unit 13, and for example, sales data in which the price of a transaction performed using a credit card within a certain period is associated with each sub number. Is transmitted to the card information providing server 20.

The card information providing server 20 is a computer device connected to the member store terminal 10 and the card company server 30 via a network. The card information providing server 20 includes a communication unit 21, a sub number generation unit 22, a card information storage unit 23, a member store information storage unit 24, a member store inquiry service provision unit 25, and a card company reference service provision. Unit 26 and sales data transmitting unit 27.
The communication unit 21 performs information communication with the member store terminal 10 or the card company server 30 via the network.

  Upon receiving the authorization request transmitted from the member store terminal 10, the sub-number generation unit 22 transmits the received authorization request to the card company server 30, and the authorization transmitted from the card company server 30 in response to the transmitted authorization request. Receive the result. In addition, the sub number generation unit 22 generates a sub number corresponding to the transaction number included in the authorization request, and stores the card information in association with the card number, the generated sub number, and the transaction number included in the authorization request. The generated sub number is transmitted to the member store terminal 10 which is stored in the unit 23 and is the transmission source of the authorization request. Here, the sub-number generated by the sub-number generation unit 22 is a number uniquely determined for the corresponding transaction number. For example, the number of digits corresponding to the card number defined by ISO (International Organization for Standardization) is used. Consists of a numeric string. In the sub number, a portion corresponding to a so-called prefix that identifies the issuer of the credit card is also configured by a value uniquely generated by the sub number generation unit 22 regardless of the card number. That is, the card company that issued the credit card cannot be specified only by the numeric string included in the sub-number. The sub-number is, for example, 16-digit numeric information, and what is determined as a regular card number is generated in a predetermined checksum, security code, and the like. As a result, it is possible to perform processing by an already constructed existing system that handles card numbers using the sub numbers generated by the sub number generation unit 22.

  The card information storage unit 23 stores a card number, a transaction number, and a sub number corresponding to the transaction number in association with each other. FIG. 3 is a diagram illustrating a data example of card information stored in the card information storage unit 23. Here, the card information includes a date and time when the transaction was performed, a slip number, a card number, a sub number, an approval number, and a destination card company. The content of each item included in the card information is the same as the item of the same name stored in the transaction information storage unit 13 of the member store terminal 10. However, although the card number is not stored in the transaction information storage unit 13 of the member store terminal 10, the card number is stored in the card information storage unit 23 of the card information providing server 20. The destination card company is information indicating the card company identified by the prefix of the card number and the contract of the member store and the card company.

  The member store information storage unit 24 stores member store information related to member stores for each member store identification information for identifying a plurality of member stores in which the member store terminals 10 are installed. In the member store information, for example, a member store name, a member store address, a telephone number, a predetermined login ID or password, and the like are stored. The login ID and password are information used for login processing when using the inquiry service provided by the member store inquiry service providing unit 25 of the card information providing server 20.

  The member store inquiry service providing unit 25 reads the sub number corresponding to the transaction number from the card information storage unit 23 in response to the sub number inquiry request corresponding to the transaction number transmitted from the member store terminal 10, and makes an inquiry request. Is transmitted to the member store terminal 10 which is the transmission source. For example, the member store inquiry service providing unit 25 has a function of a web server that transmits and receives HTML data and the like based on HTTP communication and the like, and provides an inquiry service using a web UI (User Interface). The member store inquiry service providing unit 25 stores in advance an inquiry condition input screen including an input form for inputting an inquiry condition for information relating to the card, and inputs an inquiry condition in response to a transmission request from the member store terminal 10. Send the screen. Upon receiving the inquiry condition transmitted from the member store terminal 10, the member store inquiry service providing unit 25 compares the received inquiry condition with the card information stored in the card information storage unit 23 and matches the inquiry condition. The card information including the information to be read is read and transmitted to the member store terminal 10. However, at this time, the member store inquiry service providing unit 25 does not transmit the card number to the member store terminal 10. Here, the member store inquiry service providing unit 25 receives the slip number as an inquiry condition, and transmits information of the destination card company corresponding to the slip number to the member store terminal 10.

  For example, when a merchant using the merchant terminal 10 makes an inquiry to a card company regarding a transaction based on a credit card, a telephone call is made to the card company based on a card number prefix and contracts of the merchant and the card company In the present embodiment, the card number is not stored in the member store terminal 10. Since the sub-number stored in the member store terminal 10 is information having a prefix different from the card number, the member store cannot specify the card company that has made a transaction according to the sub-number. Therefore, the member store inquiry service provider 25 determines the card company that has made the transaction according to the slip number generally used in the member store, and transmits the determined card company information to the member store terminal 10. To do. The member store can make an inquiry to the card company that performed the transaction based on the information of the destination card company provided by the member store inquiry service provider 25.

  In response to the card number inquiry request corresponding to the sub number transmitted from the card company server 30, the card company inquiry service providing unit 26 reads out the card number corresponding to the sub number from the card information storage unit 23 and makes an inquiry. It transmits to the card company server 30 which is the transmission origin of a request. For example, the card company inquiry service providing unit 26 has the same web server function as the member store inquiry service providing unit 25 and provides an inquiry service using a web UI. The card company inquiry service provider 26 transmits an inquiry condition input screen in response to a transmission request from the card company server 30. When receiving the inquiry condition transmitted from the card company server 30, the card company inquiry service providing unit 26 compares the received inquiry condition with the card information stored in the card information storage unit 23 and matches the inquiry condition. The card information including the information to be read is read and transmitted to the card company server 30. Here, the card company inquiry service provider 26 receives the sub number, date and time as the inquiry condition, and transmits the card number corresponding to the sub number to the card company server 30.

  In the present embodiment, in order to prevent the card number from being stored in the member store terminal 10, the member store inquiry service providing unit 25 does not notify the member store of the card number but transmits the sub number. That is, the inquiry made from the member store to the card company is made by the sub number. However, the card company cannot specify a transaction or a card number only by the sub number. Accordingly, the card company inquiry service providing unit 26 receives the sub number from the card company server 30 as an inquiry condition, and transmits the card number corresponding to the received sub number to the card company server 30.

  The sales data transmission unit 27 transmits the sales data of the member store corresponding to the card number to the card company server 30. For example, the sales data transmission unit 27 may transmit the sales data generated and transmitted by the sales data generation unit 16 of the member store terminal 10 to the card company server 30 or stored in the card information storage unit 23. Sales data may be generated and transmitted to the card company server 30 based on the card information.

  The card company server 30 is, for example, a computer device of a card company that pays the member store a price corresponding to a transaction between the purchaser and the member store. The card company server 30 includes a display for displaying a screen, an input unit such as a keyboard and a mouse for receiving information input from a user, and the like. The card company server 30 includes a communication unit 31, a member information storage unit 32, a member store information storage unit 33, an authorization processing unit 34, a transaction information storage unit 35, a sales data storage unit 36, and an inquiry processing unit 37. And.

The communication unit 31 performs information communication with the card information providing server 20 via a network.
In the member information storage unit 32, member information related to members is stored for each member identification information for identifying a member who has issued a credit card in advance by the card company. Members are purchasers who conduct transactions at member stores. The member information includes, for example, information such as the member's name, date of birth, address, bank account to be charged, card expiration date, credit limit, and credit card usage history.
In the member store information storage unit 33, information on member stores is stored for each member store identification information for identifying a member store that is predetermined to conduct a transaction based on a credit card issued by the card company of the card company server 30. Is done.

  The authorization processing unit 34 performs a predetermined authorization process in response to an authorization request transmitted from the card information providing server 20 and transmits an authorization result to the card information providing server 20. More specifically, the authorization processing unit 34 performs an authorization process for determining whether or not to approve a transaction with the presented credit card according to the card number included in the authorization request, the amount of the payment request price, or the like. . For example, the authorization processing unit 34 determines whether or not the card is an illegal card based on a checksum of the card number, etc., and responds to information such as the card expiration date and usage limit amount stored in the member information storage unit 32. Then, it is determined whether or not to approve the transaction according to the settlement request, and the determination result is transmitted as an authorization result to the card information providing server 20 that is the transmission source of the authorization request. In addition, the authorization processing unit 34 stores, for example, a usage limit amount for each member store that is a transmission source of the authorization request in advance, and when an authorization request with an amount exceeding the usage limit amount for each member store is transmitted. May not approve the transaction.

  The transaction information storage unit 35 stores transaction information in which a transaction number is associated with each card number of a credit card. FIG. 4 is a diagram illustrating a data example of transaction information stored in the transaction information storage unit 35. The transaction information stored in the transaction information storage unit 35 stores, for example, a date, a slip number, a card number, and an approval number. The content of each item included in the transaction information is the same as the item of the same name stored in the transaction information storage unit 13 of the member store terminal 10. However, although the card number is not stored in the transaction information storage unit 13 of the member store terminal 10 and the sub number is stored, the card number is stored in the transaction information storage unit 35 of the card company server 30. The sub number is not stored.

In the sales data storage unit 36, sales data transmitted from the sales data transmission unit 27 of the card information providing server 20 is stored.
The inquiry processing unit 37 transmits a card number inquiry request corresponding to the sub number to the card information providing server 20 and receives a card number transmitted from the card information providing server 20 in response to the transmitted inquiry request. For example, the inquiry processing unit 37 makes an inquiry request based on the function of the Internet browser, like the inquiry processing unit 15 of the member store terminal 10.

  Next, with reference to FIGS. 5-8, the operation example of the transaction system 1 by this embodiment is demonstrated. FIG. 5 is a diagram illustrating an operation example of authorization processing at the time of purchase by the transaction system 1. When the purchaser determines a product to be purchased at the member store, his / her credit card is presented to the member store salesperson. The salesperson causes the card information reading unit 12 of the member store terminal 10 to read the presented credit card. When the card information reading unit 12 of the member store terminal 10 reads the card number from the credit card (step S1), the card information reading unit 12 transmits an authorization request including the read card number and the price of the product to the card information providing server 20 ( Step S2).

  When receiving the authorization request transmitted from the member store terminal 10, the sub-number generation unit 22 of the card information providing server 20 transmits the received authorization request to the card company server 30 as it is (steps S3 and S4). The authorization processing unit 34 of the card company server 30 performs an authorization process based on the authorization request transmitted from the card information providing server 20 (step S5). The authorization processing unit 34 of the card company server 30 transmits the authorization result including the card number to the card information providing server 20 (step S6).

  The sub number generation unit 22 of the card information providing server 20 receives the authorization result transmitted from the card company server 30. When receiving the authorization result, the sub number generation unit 22 generates a sub number corresponding to the transaction number (step S7). The sub number generation unit 22 stores the card number, the generated sub number, and the transaction number included in the authorization request in association with each other in the card information storage unit 23, and converts the card number included in the authorization result into a sub number. Then, the converted authorization result is transmitted to the member store terminal 10 (step S9). The transaction processing unit 14 of the member store terminal 10 receives the authorization result transmitted from the card information providing server 20 (step S10). The transaction processing unit 14 of the member store terminal 10 stores the transaction information in the transaction information storage unit 13 together with the received authorization result. Here, when the authorization result indicates that the transaction is approved, the salesperson of the member store terminal 10 provides the purchaser with a product or service to perform the transaction.

  FIG. 6 is a diagram showing an operation example of authorization processing at the time of cancellation and return by the transaction system 1. When the transaction is canceled or returned at the member store that has performed the process as shown in FIG. 5, the transaction processing unit 14 of the member store terminal 10 is based on the transaction information stored in the transaction information storage unit 13. Cancel data including the sub number received in the authorization process at the time of purchase is generated (step S11). Transaction processing unit 14 transmits the generated cancellation data to card information providing server 20 (step S12). The card information providing server 20 reads the card number corresponding to the sub number included in the cancellation data received from the member store terminal 10 from the card information storage unit 23, and converts the sub number included in the cancellation data into the read card number. (Step S13), and transmits it to the card company server 30 (step S14).

  The authorization processing unit 34 of the card company server 30 performs an authorization process for determining whether to approve the transaction based on the cancellation data transmitted from the card information providing server 20 (step S15). The authorization processing unit 34 of the card company server 30 transmits the authorization result including the card number to the card information providing server 20 (step S16).

  The card information providing server 20 receives the authorization result transmitted from the card company server 30. The card information providing server 20 converts the card number included in the authorization result into the sub number included in the revocation data received in step S13 (step S17), and transmits it to the member store terminal 10 (step S18). The transaction processing unit 14 of the card information providing server 20 receives the authorization result transmitted from the card information providing server 20 (step S19).

  FIG. 7 is a diagram illustrating an operation example of sales data transmission processing by the transaction system 1. Based on the transaction information stored in the transaction information storage unit 13, the sales data generation unit 16 of the member store terminal 10 generates sales data in which the sales amount is associated with each sub-number (step S20), and provides card information. It transmits to the server 20 (step S21). The sales data transmission unit 27 of the card information providing server 20 reads the card number corresponding to the sub number included in the received sales data from the card information storage unit 23, and converts the sub number included in the sales data into a card number ( In step S22), the data is transmitted to the card company server 30 (step S23). Upon receiving the sales data transmitted from the card information providing server 20, the card company server 30 stores the sales data in the sales data storage unit 36 (step S24).

  FIG. 8 is a diagram illustrating an operation example of inquiry processing by the transaction system 1. The member store terminal 10 receives an input of a login ID and a password issued in advance from a user of the member store, transmits them to the card information providing server 20, and logs into the inquiry service. Upon receiving the inquiry condition input screen transmitted from the card information providing server 20, the inquiry processing unit 15 of the member store terminal 10 displays the received inquiry condition input screen on its own display unit. For example, the inquiry processing unit 15 receives an input of a slip number as an inquiry condition, and transmits the input inquiry condition to the card information providing server 20 (step S31). The member store inquiry service providing unit 25 of the card information providing server 20 reads the information of the sub-number corresponding to the slip number included in the received inquiry condition and the destination card company from the card information storage unit 23 and reads the information. Information is transmitted to the member store terminal 10 as an inquiry result (step S32). The inquiry processing unit 15 of the member store terminal 10 displays the received inquiry result on the display unit (step S33). Thereby, the user of the member store can know the card company that has made the transaction to be inquired and the sub-number corresponding to the transaction based on the slip number.

  When the user of the member store terminal 10 confirms the sub number and the destination card company which are the inquiry results displayed on the member store terminal 10, for example, the user calls the destination card company and trades the transaction corresponding to the sub number. Inquire about the situation. The inquiry processing unit 37 of the card company server 30 in the card company that has received the inquiry requests the card information providing server 20 for an inquiry condition input screen, and displays the inquiry condition input screen transmitted in response to the request as its own display unit. To display. The user of the card company server 30 inputs the inquired sub number to the card company server 30 as an inquiry condition. The inquiry processing unit 37 receives an input of a sub number as an inquiry condition (step S34), and transmits the inputted inquiry condition to the card information providing server 20 (step S35). The card company inquiry service providing unit 26 of the card information providing server 20 reads the card number corresponding to the sub-number included in the received inquiry condition from the card information storage unit 23, and uses the read card number as the inquiry result. It transmits to the server 30 (step S36). The inquiry processing unit 37 of the card company server 30 displays the received inquiry result on the display unit (step S37). Thereby, the user of the card company server 30 can know the card number corresponding to the inquired sub number.

  As described above, according to the transaction system 1 of the present embodiment, a credit card transaction can be performed without causing the member store terminal 10 to store the card number of the credit card. As a result, there is no risk of leakage of the card number stored in the member store, which can contribute to ensuring the safety and reliability of credit card use. In addition, since the card number is not stored in the member store terminal 10, the card information providing server 20 performs the sub-number and the card in response to the sales data transmission or inquiry in the sales process or inquiry process after the authorization process. By converting the number, the same transaction can be specified between the member store and the card company. As a result, even if the card number necessary for identifying the transaction between the member store and the card company is not stored in the member store terminal 10, the authorization processing, the sales processing, and the inquiry in the credit card transaction can be performed. Any of the processes can be performed.

  In addition, according to the present embodiment, when a purchaser pays for a price using a credit card, it is only necessary to present a credit card in the same manner as in the past. What is necessary is just to make the card information reading part 12 of the shop terminal 10 read a credit card. That is, by using the transaction system 1 to which the present embodiment is applied, it is not necessary for the user to perform an operation different from the conventional one.

  In this embodiment, the functional units of the card information reading unit 12 that reads a card number from a credit card and the transaction information storage unit 13 that transmits the card number to the card information providing server 20 store the card number in itself. It is also possible to apply a module that is configured to operate without any problem.

  A program for realizing the function of the processing unit in the present invention is recorded on a computer-readable recording medium, and the program recorded on the recording medium is read into a computer system and executed to execute a credit card transaction. You may go. Here, the “computer system” includes an OS and hardware such as peripheral devices. The “computer system” includes a WWW system having a homepage providing environment (or display environment). The “computer-readable recording medium” refers to a portable medium such as a flexible disk, a magneto-optical disk, a ROM, and a CD-ROM, and a storage device such as a hard disk built in the computer system. Further, the “computer-readable recording medium” refers to a volatile memory (RAM) in a computer system that becomes a server or a client when a program is transmitted via a network such as the Internet or a communication line such as a telephone line. In addition, those holding programs for a certain period of time are also included.

  The program may be transmitted from a computer system storing the program in a storage device or the like to another computer system via a transmission medium or by a transmission wave in the transmission medium. Here, the “transmission medium” for transmitting the program refers to a medium having a function of transmitting information, such as a network (communication network) such as the Internet or a communication line (communication line) such as a telephone line. The program may be for realizing a part of the functions described above. Furthermore, what can implement | achieve the function mentioned above in combination with the program already recorded on the computer system, and what is called a difference file (difference program) may be sufficient.

DESCRIPTION OF SYMBOLS 1 Transaction system 10 Merchant terminal 11 Communication part 12 Card information reading part 14 Transaction processing part 13 Transaction information storage part 15 Inquiry processing part 16 Sales data generation part 20 Card information provision server 21 Communication part 22 Sub number generation part 23 Card information storage Department 24 Member store information storage section 25 Member store inquiry service provision section 26 Card company inquiry service provision section 27 Sales data transmission section 30 Card company server 31 Communication section 32 Member information storage section 33 Member store information storage section 34 Authorization processing section 35 Transaction Information Storage Unit 36 Sales Data Storage Unit 37 Inquiry Processing Unit

Claims (4)

A member store terminal of a member store that conducts a transaction to provide goods or services in accordance with the presentation of a defined credit card, a card company server of a card company that pays the member store a price according to the transaction, and the member store A transaction system comprising a terminal and a card information providing server connected to the card company server via a network,
The member store terminal is
For each transaction number that identifies the transaction, a transaction information storage unit that stores the price corresponding to the transaction and a sub number corresponding to the card number of the credit card in association with each other,
A card information reading unit for reading a card number of the credit card from the credit card;
Based on the card number read by the card information reading unit, an authorization request for payment of the price is transmitted to the card information providing server, and is transmitted from the card information providing server in response to the transmitted authorization request. A transaction processing unit for storing the sub number in the transaction information storage unit in association with the transaction number and the price;
A first inquiry processing unit that transmits an inquiry request for a sub number corresponding to the transaction number to the card information providing server, and receives the sub number transmitted from the card information providing server in response to the inquiry request; With
The card information providing server includes:
A card information storage unit for storing the card number, the transaction number, and a sub-number corresponding to the transaction number;
When the authorization request transmitted from the member store terminal is transmitted to the card company server and the authorization result transmitted from the card company server is received in response to the authorization request, a sub number corresponding to the transaction number is generated. And the card number, the sub number, and the transaction number are associated with each other and stored in the card information storage unit, and the sub number generation unit transmits the sub number to the transmission source of the authorization request;
In response to a sub-number inquiry request according to the transaction number transmitted from the member store terminal, the sub-number corresponding to the transaction number is read from the card information storage unit and transmitted. When,
In response to a card number inquiry request corresponding to the sub number transmitted from the card company server, the card company inquiry service providing unit that reads and transmits the card number corresponding to the sub number from the card information storage unit; ,
A sales data transmitting unit that transmits the sales data of the member store corresponding to the card number to the card company server,
The card company server is
An authorization processing unit that performs a predetermined authorization process in response to the authorization request transmitted from the card information providing server, and transmits an authorization result to the card information providing server;
A second inquiry processing unit that transmits a card number inquiry request corresponding to the sub-number to the card information providing server and receives the card number transmitted from the card information providing server in response to the inquiry request; A transaction system characterized by comprising. 2. The transaction system according to claim 1, wherein the sub-number generation unit of the card information providing server generates the sub-number configured by a digit string having the same number of digits as the card number. A merchant terminal of a merchant that conducts a transaction to provide goods or services in accordance with the presentation of a defined credit card, and for each transaction number that identifies the transaction, the price corresponding to the transaction, and the credit The member store terminal having a transaction information storage unit stored in association with a sub number corresponding to the card number of the card, a card company server of a card company that pays the member store a price according to the transaction, The card information storage unit is connected to the member store terminal and the card company server via a network, and stores the card number, the transaction number, and a sub-number corresponding to the transaction number in association with each other. A transaction method of a transaction system comprising a card information providing server,
The member store terminal is
Reading the credit card number from the credit card;
Transmitting an authorization request for payment of the price to the card information providing server based on the read card number;
The card information providing server is
Transmitting the authorization request transmitted from the member store terminal to the card company server;
The card company server is
Performing a predetermined process in response to the authorization request transmitted from the card information providing server, and transmitting an authorization result to the card information providing server;
The card information providing server is
When the authorization result transmitted from the card company server is received, a sub number corresponding to the transaction number is generated, and the card number, the sub number and the transaction number are associated with each other and stored in the card information storage unit. Sending the sub-number to the source of the authorization request;
The member store terminal is
Storing the sub number transmitted from the card information providing server in the transaction information storage unit in association with the transaction number and the price;
Transmitting an inquiry request for a sub number corresponding to the transaction number to the card information providing server;
The card information providing server is
In response to a sub-number inquiry request corresponding to the transaction number, the sub-number corresponding to the transaction number is read from the card information storage unit and transmitted to the member store terminal;
The card company server is
Sending an inquiry request for a card number corresponding to the sub-number to the card information providing server;
The information card information providing server is
In response to an inquiry request for a card number corresponding to the sub number, the card number corresponding to the sub number is read from the card information storage unit and transmitted to the card company server;
Sending the sales data of the member store according to the card number to the card company server;
A transaction method comprising: A member store terminal of a member store that conducts a transaction to provide goods or services in accordance with the presentation of a defined credit card, a card company server of a card company that pays the member store a price according to the transaction, and the member store The card information providing server in a transaction system comprising a terminal and a card information providing server connected to the card company server via a network,
A card information storage unit for storing a card number of the credit card, a transaction number for identifying the transaction, and a sub-number corresponding to the transaction number;
When the authorization request transmitted from the member store terminal is transmitted to the card company server and the authorization result transmitted from the card company server is received in response to the authorization request, a sub number corresponding to the transaction number is generated. The card number, the sub number, and the transaction number are stored in the card information storage unit in association with each other, and the sub number generation unit that transmits the sub number to the transmission source of the authorization request;
In response to a sub-number inquiry request according to the transaction number transmitted from the member store terminal, the sub-number corresponding to the transaction number is read from the card information storage unit and transmitted. When,
In response to a card number inquiry request corresponding to the sub number transmitted from the card company server, the card company inquiry service providing unit that reads and transmits the card number corresponding to the sub number from the card information storage unit; ,
Sales data transmission unit for transmitting sales data of the member store according to the card number to the card company server;
A card information providing server comprising:

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