JP6816365B2 - Information processing equipment, payment system, payment method - Google Patents

Description

The present disclosure relates to information processing devices, payment systems and payment methods.

In recent years, an increasing number of users are using Internet sales to sell products via the Internet. In Internet sales, payments related to the payment of goods may be made via a web page. In addition, a credit card may be used for payment related to this Internet sale.

In Internet sales, a member store that sells may receive identification information such as a credit card number from a user terminal and make a payment. However, from the viewpoint of protecting customer information, it is preferable that the member store does not handle the information of the credit card number, and the following documents are disclosed on this issue.

Patent Documents 1 and 2 disclose a payment system for Internet sales. In the system disclosed in Patent Document 1, it is disclosed that a user terminal transmits a credit card number to a terminal of a financial institution that performs a payment procedure. Further, in the system disclosed in Patent Document 2, a system in which a user device receives a part of a credit card number from a credit card company that performs a payment procedure and the user inputs the remaining part is disclosed.

Japanese Unexamined Patent Publication No. 2001-184413 Japanese Unexamined Patent Publication No. 2002-24719

In the system disclosed in Patent Documents 1 and 2 described above, the member store does not have to receive identification information such as a credit card. However, on the other hand, since the member store does not receive the identification information, it is difficult to associate and store the user information and the identification information.

Therefore, the present disclosure has been made in view of the above problems, and the purpose of this disclosure is to store user information and identification information in association with each other in another device different from the information processing device that performs payment. The purpose is to provide a new and improved information processing device.

In order to solve the above problem, according to a certain viewpoint of the present disclosure, a partial information acquisition unit that receives the first partial information input by the payment user, which is a part of the identification information for payment including a plurality of characters. And, the settlement procedure is performed based on the first partial information and the second partial information which is another part of the identification information and is input by the settlement user at a timing different from the first partial information. An information processing device including a transmission unit that transmits the first partial information to another information processing device and a storage unit that stores the first partial information in association with user information is provided.

The first partial information may be randomly selected from the identification information.

Further, in order to solve the above problem, according to another viewpoint of the present disclosure, the identification information is a credit card number.

The first partial information may include an issuer identification number that identifies the issuer of the card.

The first partial information may include the last four digits including the check digit.

A token generation unit that inserts characters into the other part and generates a token may be further provided.

Characters to be inserted in the other parts may be randomly selected.

The same character may be selected as the character to be inserted into the other part .

Further, in order to solve the above problem, according to another viewpoint of the present disclosure, the first partial information input by the payment user, which is a part of the identification information for payment including a plurality of characters, is added to the other. A second portion of the identification information other than the first partial information, which is a second portion input by the payment user at a timing different from the first partial information . Information processing including a complete information acquisition unit that receives the partial information of the above separately from the first partial information and acquires the complete information of the identification information, and a settlement unit that performs a settlement procedure based on the acquired complete information. Equipment is provided.

Further, in order to solve the above problems, according to another viewpoint of the present disclosure, a payment system including a first information processing device and a second information processing device, the first information processing device. Is a partial information acquisition unit that receives the first partial information input by the payment user, which is a part of the identification information for payment including a plurality of characters, and the first portion of the second information processing apparatus. The second information processing device includes a transmission unit that transmits information and a storage unit that stores the first partial information in association with user information, and the second information processing device is the first to the first information processing device. The receiving unit that receives the partial information of the above, and the second portion of the identification information other than the first partial information, which is input by the payment user at a timing different from the first partial information . A payment system including a complete information acquisition unit that receives partial information separately from the first partial information and acquires complete information of the identification information, and a settlement unit that performs a settlement procedure based on the acquired complete information. Is provided.

Further, in order to solve the above problem, according to another viewpoint of the present disclosure, in the first information processing apparatus, the payment user inputs a part of the identification information for payment including a plurality of characters. Receiving the first partial information, the first information processing device transmitting the first partial information to the second information processing device, and the first partial information in the first information processing device. and storing in association with the user information, the second information processing apparatus, which is another part other than the first partial information of the identification information, and the first partial information by the payment user Receives the second partial information input at different timings separately from the first partial information to acquire the complete information of the identification information, and the acquired complete information in the second information processing apparatus. It provides information-based payment procedures and payment methods, including.

As described above, according to the present disclosure, the user information and the identification information are stored in association with each other in another device different from the information processing device that performs payment.

FIG. 1 is a diagram schematically showing a configuration of a payment system of the present invention. FIG. 2 is a diagram showing a structure of a credit card number. FIG. 3 is a diagram showing an example of payment processing in another payment system, which is a comparative example with the payment system of the present invention. FIG. 4 is a block diagram showing an example of the configuration of the sales management server according to the present invention. FIG. 5 is a block diagram showing an example of the configuration of the credit server according to the present invention. FIG. 6 is a diagram showing an example of payment processing in the payment system according to the present invention. FIG. 7 is a diagram showing an example of a card information input screen generated by the sales management server of the present invention. FIG. 8 is a diagram showing an example of a card information input screen generated by the credit server of the present invention. FIG. 9 is a diagram showing an example of a password information input screen generated by the card issuing company server. FIG. 10 is a diagram showing an example of a table stored in the storage unit of the sales management server of the present invention.

Preferred embodiments of the present disclosure will be described in detail below with reference to the accompanying drawings. In the present specification and the drawings, components having substantially the same functional configuration are designated by the same reference numerals, so that duplicate description will be omitted.

<1. Configuration of payment system of the present invention>
FIG. 1 is a diagram showing a configuration of a payment system of the present invention. The payment system of FIG. 1 includes a user terminal 100, a sales management server 200, a credit server 300, and a card issuing company server 400. In the following, as an example of the payment system, a payment system using a credit card will be described. The sales management server 200, the credit server 300, and the card issuing company server 400 are examples of information processing devices that perform information processing.

The user terminal 100 includes a web browser, and the user terminal 100 can connect to a website on the Internet using the web browser. The user can access the product sales site (virtual store) on the Internet by using the user terminal 100, and can purchase the product on the product sales site. As shown in FIG. 1, the user terminal 100 includes a portable terminal such as a smartphone and a communication device such as a personal computer including a notebook type.

The sales management server 200 provides a product sales site that sells products on the Internet. The sales management server 200 transmits information on the product sales site to the user terminal 100 in response to access from the user terminal 100. In addition, the sales management server 200 performs sales processing of products in response to a purchase instruction from the user terminal 100. Further, the sales management server 200 may perform a shipping process for shipping the product based on the information (address for shipping the product, etc.) transmitted from the user terminal 100.

Further, the sales management server 200 may store the user information and the information about the product purchased by the user in association with each other. The user information stored in the sales management server 200 includes, for example, the user's name and address. In addition, the information about the product purchased by the user includes the product name, the purchase date, the shipping date, and the like. The sales management server 200 may be composed of two servers, a web server that provides a product sales site and a management server that manages products or sales.

The credit server 300 belongs to a settlement agency that performs settlement on behalf of a plurality of credit card issuing companies. The credit server 300 performs payment processing by communicating with the sales management server 200 and the card issuing company server 400.

The card issuing company server 400 belongs to the issuing company that issues credit cards. The card issuing company server 400 stores the user's information and the information about the credit card owned by the user in association with each other. Further, the card issuing company server 400 provides the credit server 300 with information used in the payment process by communicating with the credit server 300.

The user information stored in the card issuing company server 400 includes, for example, the user's name, address, annual income, family structure, and the like. In addition, the information about the credit card owned by the user includes a credit card number, a security code, a password set in advance by the user, and the like.

FIG. 2 is a diagram showing an example of a credit card number. Generally, a credit card number is composed of 14 to 16 digits, and FIG. 2 shows a credit card number composed of 16 digits. The credit card number is an example of identification information that identifies specific information. In addition, the number is an example of characters, and in the present disclosure, the characters include, but are not limited to, numbers, letters, and symbols.

The first 6 digits of the credit card number shown in FIG. 2 are the issuer identification number. The issuer identification number is used to indicate the card brand and card issuer. The first digit of the issuer identification number is the major industry identification number. The major industry identification number is assigned by the industry to which the card issuer belongs. For example, the major industry identification number "1" indicates the aviation industry, and the major industry identification number "4" indicates the banking / financial industry.

The next nine digits of the issuer identification number are the account identification numbers. The account identification number is used to identify the credit card member. And the last digit is the check digit. The check digit is used to check whether the credit card number is correct or not by a predetermined algorithm.

<2. Processing in a payment system which is a comparative example with the payment system of the present invention>
In the above, the configuration of the payment system of the present invention has been described. In the following, in order to show the features of the present invention, processing examples of each device in another payment system which is a comparative example with the payment system of the present invention will be described. FIG. 3 is a diagram showing an example of processing in another payment system, which is a comparative example with the payment system of the present invention. The payment process shown in FIG. 3 is performed, for example, when a user purchases a product using Internet sales.

First, in S100, when the user tries to purchase a product through Internet sales, the sales management server 201 transmits an input screen for inputting the user's credit card number to the user terminal 100. At this time, the input screen may be configured so that the expiration date of the credit card is input in addition to the credit card number. In S102, the user inputs the credit card number by operating the operation unit of the user terminal 100 on the card number input screen displayed on the user terminal 100.

In S104, the user terminal 100 transmits the credit card number input by the user to the sales management server 201. The sales management server 201 that has received the credit card number from the user terminal 100 transmits the credit card number received in S106 to the credit server 301 by redirection. Here, the redirect is a process of automatically transferring the specified information to another terminal.

In S108, the credit server 301 receives the credit card number from the sales management server 201 and acquires it. In S110, the credit server 301 transmits the acquired credit card number to the card issuing company server 400 and makes an authentication inquiry.

The card issuing company server 400, which has received an authentication inquiry from the credit server 301, transmits an input screen for inputting a password in S112 to the user terminal 100. Next, in S114, the user inputs a password using the user terminal 100. Here, the password entered in S114 is a password set in advance by the user for the credit card. The password is composed of multiple digits including alphanumeric characters.

In S116, the user terminal 100 transmits the entered password to the card issuing company server 400. The card issuing company server 400 that has received the password from the user terminal 100 authenticates based on the credit card number and password stored in the card issuing company server 400 and the received credit card number and password.

In S118, the authenticated card issuing company server 400 transmits the authentication result to the credit server 301. In S120, the credit server 301 that has received the authentication result makes a payment based on the authentication result received from the card issuing company server 400. The settlement is performed, for example, by performing a credit process for determining the credit of a credit card, and then performing a sales confirmation process.

Then, in S122, the credit server 301 transmits the payment information to the sales management server 201. In S124, the sales management server 201 that has received the payment information performs the shipping process of the product. At this time, the sales management server 201 may be configured to store information about the user in association with information about the product purchased by the user.

In the above, the payment system in which the user inputs all the credit card numbers on the input screen provided by the sales management server 201 has been described. In the payment system described above, since the sales management server 201 transfers the credit card number input by the user to the credit server 301 in S106 of FIG. 3, the sales management server 201 does not store the credit card number. This is because the credit card number is information that is protected by a high degree of security.

Hereinafter, the payment system according to the present invention in which a part of the credit card number is stored in the sales management server 200 will be described. In this payment system, since the sales management server 200 stores a part of the credit card number, the sales management server 200 or the like that does not have advanced security means can also store the credit card information. Therefore, when the user refers to the usage history, the sales management server 200 can provide the user with the information of the credit card number used by the user. Further, since the sales management server 200 stores a part of the credit card number, it is not necessary to have a high-level security means. Hereinafter, the configurations of the sales management server 200 and the credit server 300 used in this system will be described.

<3. Configuration of payment system of the present invention>
FIG. 4 is a block diagram showing the configuration of the sales management server 200 used in the payment system of the present invention. The sales management server 200 of the payment system of the present invention has a communication unit 202, a processing unit 204, and a storage unit 206. Further, the processing unit 204 includes a web screen generation unit 208, a partial number acquisition unit 210, and a token generation unit 212.

The communication unit 202 is used to communicate with other information processing devices such as the user terminal 100 and the credit server 300 via the network. Further, the storage unit 206 stores product information, information on the web screen, user information, a partial number of the credit card number described below, and the like.

The processing unit 204 processes various information in cooperation with the communication unit 202 and the storage unit 206. The web screen generation unit 208 reads data for creating a web screen from the storage unit 206, and generates web screen data in a computer language such as HTML (Hyper Text Markup Language) or XML (Extensible Markup Language).

The partial number acquisition unit 210 acquires a part of the credit card number input by the user using the user terminal 100 via an input screen based on the data generated by the web screen generation unit 208. The partial number acquired by the partial number acquisition unit 210 is a number in which some information of the credit card number is missing. The credit card number is an example of identification information for identifying specific information, and the partial number is an example of partial information in which a part of the identification information is missing.

Further, the position of the digit of the partial number may be predetermined or may be randomly selected. For example, the partial number may be a number including the issuer identification number (the first 6 digits in FIG. 2) or the last 4 digits including the check digit. When the position of the digit of the partial number is randomly selected, the first, third, fifth, seventh, ninth, eleventh, thirteenth, and fifteenth digits may be selected as the partial number. When the position of the digit of the partial number is randomly selected, the first, second, fifth, eighth, thirteenth, and fifteenth digits may be selected as the partial number. As will be appreciated, the number of digits in the partial number may vary between 1 and 15. By changing the number of digits of the partial number and the position of the digits in this way, the system can be made flexible.

The token generation unit 212 inserts an appropriate number into the missing part of the partial number acquired by the partial number acquisition unit 210 to generate a token. By inserting an appropriate number in the missing part in this way, the data type does not have to be changed in the system, and compatibility with the existing system is maintained.

When the token generation unit 212 inserts an appropriate number into the missing part of the partial number, the token generation unit 212 may randomly select a number and insert the randomly selected number into the missing part. Further, the token generation unit 212 may insert the same number into the missing portion. For example, the token generation unit 212 may insert "0" in all the missing parts. By inserting a randomly selected number or the same number that is not related to the original data into the missing portion in this way, it becomes difficult to restore the original data.

In the above, the configuration of the sales management server 200 has been described. The configuration of the credit server 300 used in the payment system of the present invention will be described below. FIG. 5 is a block diagram showing a configuration of a credit server 300 used in a payment system in which a partial number is used.

The credit server 300 has a communication unit 302 and a processing unit 304. Further, the processing unit 304 has a part number specifying unit 306, a web screen generation unit 308, a complete number acquisition unit 310, an authentication result acquisition unit 312, and a settlement unit 314. The communication unit 302 communicates with the user terminal 100, the sales management server 200, and the card issuing company server 400, and transmits and receives various information.

The processing unit 304 processes various information in cooperation with the communication unit 302. The partial number specifying unit 306 identifies the partial number of the credit card number from the token generated by the sales management server 200. The web screen generation unit 308 generates an input screen for inputting a missing part other than the part number specified by the part number specifying unit 306.

The complete number acquisition unit 310 acquires the complete number of the credit card number input by the user using the user terminal 100 via the input screen created by the web screen generation unit 308. A full number is a number that contains all the information about your credit card number. That is, when the credit card number is composed of 16 digits, it is a number including the information of all 16 digits. The complete number is an example of complete information including all the information of the identification information.

The authentication result acquisition unit 312 acquires the authentication result that the card issuing company server 400 has authenticated based on the complete number acquired by the complete number acquisition unit 310. The settlement unit 314 makes a settlement based on the authentication result acquired by the authentication result acquisition unit 312.

In the above, the configuration of the sales management server 200 and the credit server 300 used in the payment system in which the partial number is used has been described. In the following, the processing of the payment system in which the partial number is used will be described. FIG. 6 is a diagram showing processing of a payment system in which partial numbers are used.

<4. Processing in the payment system of the present invention>
In S200, the sales management server 200 transmits an input screen for inputting a partial number of the credit card number to the user terminal 100. The input screen transmitted here is, for example, an input screen as described later in FIG. Next, in S202, the user inputs a credit card number by operating the operation unit of the user terminal 100 on the input screen displayed on the user terminal 100. The credit card number entered here is a partial number in which some information of the credit card number is missing.

Next, in S204, the user terminal 100 transmits the partial number of the credit card input by the user to the sales management server 200. The sales management server 200, which has received the partial number of the credit card from the user terminal 100, inserts a meaningless number into the missing portion of the credit card number in S206. Further, in S206, the sales management server 200 generates a token by using a number in which a meaningless number is inserted in the missing part of the credit card number.

Next, in S208, the sales management server 200 transmits the token to the user terminal 100, and the user terminal 100 that receives the token transmits the token to the credit server 300 in S210. Then, in S212, the credit server 300 receives the token from the user terminal 100, and identifies the partial number of the credit card from the received token.

Here, the partial number may be specified by designating a digit in which the partial number is input in advance. Further, the partial number may be specified by including an identifier indicating which digit is the partial number in the token. For example, the 1st to 6th digits and the 13th to 16th digits may be specified in advance as the partial number, and the token has an identifier indicating that the 1st to 6th digits and the 13th to 16th digits are the partial numbers. May be included. Further, the identifier is not included in the token and may be transmitted together with the token. If an identifier is used to identify the part number, the position of the part number can be changed and the system can be flexible.

Next, in S214, the credit server 300 transmits an input screen for inputting the missing portion described later in FIG. 8 to the user terminal 100. Next, in S216, the user inputs the missing portion of the credit card number by operating the operation unit of the user terminal 100 on the input screen displayed on the user terminal 100.

In S218, the user terminal 100 transmits the full number of the credit card number in which the missing portion is input to the credit server 300. In S220, the credit server 300 acquires the complete number, and in S222, the credit server 300 transmits the acquired complete number to the card issuing company server 400 to perform an authentication inquiry.

The card issuing company server 400, which has received an authentication inquiry from the credit server 300, transmits an input screen for inputting a password as shown in FIG. 9 to the user terminal 100 in S224. In S226, the user inputs the password using the user terminal 100.

Next, in S228, the user terminal 100 transmits the entered password to the card issuing company server 400. The card issuing company server 400 that has received the password from the user terminal 100 authenticates, and in S230, the card issuing company server 400 transmits the authentication result to the credit server 300.

In S232, the credit server 300 that has received the authentication result makes a payment based on the authentication result received from the card issuing company server 400. In S234, the credit server 300 transmits the payment information to the sales management server 200.

Then, in S236, the sales management server 200 that has received the payment information performs the shipment processing of the product. Further, the sales management server 200 stores a usage history in which information about the user, information about the product purchased by the user, and information on the credit card number are associated with each other, as will be described later with reference to FIG.

As described above, in the payment system in which the partial number is used, the sales management server 200 stores the partial number of the credit card number. By storing the partial number of the credit card number in the sales management server 200 in this way, the sales management server 200 can store information about the credit card without having a high degree of security. As a result, the sales management server 200 can provide the user with information (part number) regarding the credit card used by the user. In addition, the user can confirm the partial number provided and confirm which credit card was used.

<5. Input screen configuration example>
In the above, the processing in the payment system in which the partial number is used has been described. In the following, each input screen displayed on the user terminal 100 in the payment system in which the partial number is used will be described.

FIG. 7 is a diagram showing an example of an input screen for inputting a partial number displayed on the user terminal 100 in S202 of FIG. When a user attempts to purchase a product using credit card payment, an input screen for entering the credit card number and the expiration date of the credit card is displayed.

In the input screen shown in FIG. 7, in the field for inputting the credit card number, the first to sixth digit numbers are displayed so that the user can input them. Similarly, the numbers in the 13th to 16th digits are displayed so that the user can input them. On the other hand, the 7th to 12th digit numbers are displayed so that the user cannot enter them. For example, the 7th to 12th digit numbers may be replaced with a predetermined symbol to indicate that they cannot be entered.

Further, on the input screen shown in FIG. 7, it may be displayed so that the expiration date of the credit card can be input. The user inputs the 1st to 6th digits and the 13th to 16th digits of the credit card number on the input screen shown in FIG. 7. The user also inputs the expiration date of the credit card number. After entering a part of the credit card number (that is, the partial number) and the expiration date, the user presses the "confirm order" button. As a result, the partial number of the credit card is transmitted from the user terminal 100 to the sales management server 200 as shown in S204 of FIG.

Next, in S216 of FIG. 6, the input screen displayed on the user terminal 100 will be described. FIG. 8 is a diagram showing an example of an input screen for inputting a missing portion of the credit card number displayed on the user terminal 100 in S216 of FIG.

As described with reference to FIG. 7, the user inputs a partial number of the credit card number in S202 of FIG. Therefore, on the input screen shown in FIG. 8, a part of the credit card number entered by the user on the input screen of FIG. 7 and the expiration date are displayed. That is, on the input screen of FIG. 7, it can be seen that the user has input "012345" in the first to sixth digits of the credit card number and "2345" in the thirteenth to sixteenth digits. In the input screen of FIG. 8, these input data may be locked so that they cannot be changed.

On the input screen shown in FIG. 8, the remaining portion of the credit card number that the user did not enter on the input screen of FIG. 7 is input. That is, the user inputs a number from the 7th digit to the 12th digit of the credit card number. The user presses the "OK" button after entering the 7th to 12th digits of the credit card number. As a result, the full number including all credit card numbers is transmitted from the user terminal 100 to the credit server 300 as shown in S218 of FIG.

Next, in S226 of FIG. 6, the input screen displayed on the user terminal 100 will be described. FIG. 9 is a diagram showing an example of an input screen for inputting a password associated with a credit card, which is displayed on the user terminal 100 in S226 of FIG.

As described with reference to FIG. 8, the user inputs the missing portion of the credit card number in S216 of FIG. Therefore, on the input screen shown in FIG. 9, all credit card numbers (that is, full numbers) and expiration dates are displayed. That is, on the input screen of FIG. 8, it can be seen that the user has input "678901" from the 7th digit to the 12th digit of the credit card number.

On the input screen shown in FIG. 9, the user inputs a password set in advance in association with the credit card. After entering the password, the user presses the "OK" button. As a result, the password is transmitted from the user terminal 100 to the card issuing company server 400 as shown in S228 of FIG.

<6. Table stored in the sales management server>
In the above, the input screen in each process of the payment system in which the partial number is used has been described. The table stored in the storage unit 206 of the sales management server 200 will be described below. FIG. 10 is a diagram showing an example of a table stored in the storage unit 206 of the sales management server 200.

As shown in S236 of FIG. 6, the sales management server 200 stores information about the user, information about the product purchased by the user, and a usage history associated with the credit card number when the payment is completed. For example, the usage history stored in the sales management server 200 includes a "user name", a "usage date", a "product name", a "shipment date", and a "credit card number" as shown in FIG.

Here, the credit card number stored in the sales management server 200 is a partial number of the credit card number described above. By storing the partial number of the credit card number in this way, the sales management server 200 can provide information about the credit card used by the user when the user confirms the usage history. Further, since the credit card number stored in the sales management server 200 is a partial number that is a part of the credit card number, it is allowed to be stored in the sales management server 200 that does not have a high degree of security. As a result, the sales management server 200 stores only the partial number which is a part of the information of the credit card number, but the user can refer to the stored partial number and use which credit card in the past transaction. You can check if you did.

As described above, the first to sixth digits of the credit card number are used as identification information for identifying the issuer of the card. Therefore, the sales management server 200 can easily determine which credit card is used by the user by storing the identification number that identifies the issuer as the partial number.

Further, the sales management server 200 may present the stored part number to the user when the user purchases the product again, and the user may select the presented part number. For example, on the input screen shown in FIG. 7, a partial number of the credit card number used last time by the user may be displayed. In this case, the user selects the displayed part number and presses the order confirmation button. By configuring the system in this way, the user can purchase the product in a simpler way.

<7. Supplement>
In the above, the processing of payment using a credit card has been described. However, the processing of the payment system described above may be applied to a payment system using a cash card or a point card. At this time, the characters included in the identification information may include not only numbers but also symbols, letters, katakana, hiragana and the like.

Further, the payment system described above may be configured so that a security code is further input. The credit card security code is the number printed on the credit card. By using the security code, it is possible to prevent the credit card from being misused by a user who does not actually have the credit card.

In this case, for example, on the input screen shown in FIG. 8, a field for further inputting the security code may be provided. The entered security code is finally sent to the card issuer server 400. Then, the card issuing company server 400 may also use the security code to perform credit card authentication processing.

The series of processes described in the present specification may be realized by a program configured to cause the processing units 204 and 304 to perform the above-described processing. The program is stored in advance in, for example, a storage medium (non-transitory media) provided inside or outside each device. Then, each program is read into RAM at the time of execution, and is executed by a processor such as a CPU.

Although the preferred embodiments of the present disclosure have been described in detail with reference to the accompanying drawings, the present disclosure is not limited to such examples. It is clear that anyone with ordinary knowledge in the field of technology to which this disclosure belongs can come up with various modifications or modifications within the scope of the technical ideas set forth in the claims. , These are also naturally understood to belong to the technical scope of the present disclosure.

The present disclosure is applicable to information processing devices.

100 User terminal 200, 201 Sales management server 202 Communication unit 204 Processing unit 206 Storage unit 208 Web screen generation unit 210 Part number acquisition unit 212 Token generation unit 300, 301 Credit server 302 Communication unit 304 Processing unit 306 Part number identification unit 308 Web Screen generation unit 310 Complete number acquisition unit 312 Authentication result acquisition unit 314 Payment department 400 Card issuer server

Claims (11)

A partial information acquisition unit that receives the first partial information input by the payment user, which is a part of the identification information for payment containing multiple characters.
Others that perform the settlement procedure based on the first partial information and the second partial information that is another portion of the identification information and is input by the settlement user at a timing different from the first partial information . A transmission unit that transmits the first partial information to the information processing device, and
An information processing device including a storage unit that stores the first partial information in association with user information. The information processing apparatus according to claim 1, wherein the first partial information is randomly selected from the identification information. The information processing device according to claim 1 or 2, wherein the identification information is a credit card number. The information processing device according to claim 2 or 3, wherein the first partial information includes an issuer identification number that identifies the issuer of the card. The information processing apparatus according to claim 3 or 4, wherein the first partial information includes the last four digits including a check digit. The information processing apparatus according to any one of claims 1 to 5, further comprising a token generation unit that inserts characters into the other portion and generates tokens. The information processing apparatus according to claim 6, wherein the characters inserted in the other parts are randomly selected. The information processing apparatus according to claim 6, wherein the same character is selected as the character to be inserted into the other portion. A receiving unit that receives the first partial information input by the payment user, which is a part of the identification information for payment including a plurality of characters, from another information processing device.
The second partial information, which is a portion of the identification information other than the first partial information, which is input by the payment user at a timing different from the first partial information, is referred to as the first partial information. Is received separately, and the complete information acquisition unit that acquires the complete information of the identification information,
An information processing device including a payment unit that performs payment procedures based on the acquired complete information. A payment system including a first information processing device and a second information processing device.
The first information processing device is
A partial information acquisition unit that receives the first partial information input by the payment user, which is a part of the identification information for payment containing multiple characters.
A transmission unit that transmits the first partial information to the second information processing device, and
A storage unit that stores the first partial information in association with user information is provided.
The second information processing device is
A receiving unit that receives the first partial information from the first information processing device, and
The second partial information, which is a portion of the identification information other than the first partial information, which is input by the payment user at a timing different from the first partial information, is referred to as the first partial information. Is received separately, and the complete information acquisition unit that acquires the complete information of the identification information,
A payment system including a payment unit that performs payment procedures based on the acquired complete information. In the first information processing device, receiving the first partial information input by the payment user, which is a part of the identification information for payment including a plurality of characters,
When the first information processing device transmits the first partial information to the second information processing device,
In the first information processing device, the first partial information is stored in association with the user information, and
In the second information processing device, the second partial information which is a part other than the first partial information of the identification information, which is input by the payment user at a timing different from the first partial information. To obtain the complete information of the identification information by receiving the information separately from the first partial information.
A payment method including performing a payment procedure based on the acquired complete information in the second information processing device.

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