JPH07129671A - 安全なクレジットカードの許可方法 - Google Patents

安全なクレジットカードの許可方法

Info

Publication number
JPH07129671A
JPH07129671A JP24190393A JP24190393A JPH07129671A JP H07129671 A JPH07129671 A JP H07129671A JP 24190393 A JP24190393 A JP 24190393A JP 24190393 A JP24190393 A JP 24190393A JP H07129671 A JPH07129671 A JP H07129671A
Authority
JP
Japan
Prior art keywords
cdc
authorization code
seller
identification
database
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
Application number
JP24190393A
Other languages
English (en)
Inventor
Raymond O Colbert
オットー コルバート レイモンド
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
AT&T Corp
Original Assignee
American Telephone and Telegraph Co Inc
AT&T Corp
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by American Telephone and Telegraph Co Inc, AT&T Corp filed Critical American Telephone and Telegraph Co Inc
Publication of JPH07129671A publication Critical patent/JPH07129671A/ja
Pending legal-status Critical Current

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/347—Passive cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1025—Identification of user by a PIN code
    • G07F7/1075—PIN is checked remotely

Abstract

(57)【要約】 【目的】 サービス或は商品の売り主にカード番号を明
かすことなくクレジットカードによる購入を行なうため
の方法を提供する。 【構成】 カード所有者はデータベースに接続され、カ
ード番号、及び所有者の識別の確認をデータべースに提
供する。すると、データべースはそのカード所有者が購
入の費用を負うように許可できるか否か確認し、許可で
きる場合は、許可指標或はコードを売り主に提供する。
カード番号をこの許可情報から誘導することはできず、
従って、カード番号の機密の保持が助長される。

Description

【発明の詳細な説明】
【０００１】
【産業上の利用分野】本発明はクレジットカード（cred
it/debit card ）保持者を商品或はサービスの購入に対
して許可するための方法に関する。
【０００２】
【従来の技術】最近、商品の電話による注文は購入のま
すます一般的な方法になってきている。典型的な取引に
おいては、発呼者は店を呼び出し、購入すべき商品を示
し、商品の配達のために彼／彼女の住所を提供し、そし
てクレジットカード（credit/debit card 、ＣＤＣ）の
番号を提供する。売り主はそのＣＤＣが有効であるかを
確認し、そのＣＤＣに対して購入に対する請求を行な
う。
【０００３】
【発明が解決しようとする課題】手順上この方法の動作
の問題は顧客が彼／彼女のＣＤＣ番号を売り主に提供し
なければならないことである。これはＣＤＣ番号の秘密
厳守に妥協を与える傾向があり、このことはかかる番号
の詐欺的な使用を可能にしてしまう。このような詐欺的
な使用の可能性によってクレジットカード会社による売
り主に対して請求される割合が高くなるのを助長し、電
話取引の使用が制限される。
【０００４】
【問題を解決するための手段】出願者の発明によると、
従来の技術の方法に対する進歩が商品を注文することを
要望する顧客をＣＤＣ会社のデータベースに或はその許
可された代理店、例えば、搬送業者（common carrier）
へ接続し、次に、発呼者がデータべースにＣＤＣ番号を
提供し、データべースがＣＤＣ番号の許可をチェックし
た後に、売り主に許可指標を与える方法によって達成さ
れる。売り主はクレジットカード会社にその購入に対し
てこの許可コードを使用して請求を行なう。長所とし
て、クレジットカードの番号がクレジットカード会社或
は搬送業者にのみ提供され、売り主には提供されないこ
とである。
【０００５】本発明の一つの特徴によると、発呼者を識
別するための識別方法が使用され、その発呼者がそのＣ
ＤＣの所有者であるときにのみ購入（取引）に対する許
可が提供される。本発明の一つの特定の実施例において
は、発呼者は音声認識を使用して識別される。別の方法
として、或はこれに加えて、個人識別番号が使用され
る。また、別の方法として、或はこれらに加えて、発呼
者が発呼者識別の一部としてカード会社或は代理店に転
送される自動番号識別（automatic number identificat
ion 、ＡＮＩ）を使用して識別される。
【０００６】本発明の一つの特徴によると、許可指標は
購入取引を追跡するための許可コードから構成される。
この許可コードは一つ或は複数のフィールドを含む。一
つのかかるフィールドは売り主を識別し、こうして、ク
レジット会社に対する料金請求のプロセスを簡素化する
ために使用される。別のフィールドはクレジットカード
所有者の名前及び／或は住所を提供し、これによって売
り主がこのデータを得る努力を低減するために使用され
る。また、別のフィールドはこの取引に対して許可され
ている信用貸しの量のドル額限度を指定する。さらに、
別のフィールドはこのクレジットが許される時間に対す
る制限を指定する。また、別のフィールドは許可の日時
を指定する。
【０００７】
【実施例】図１は出願者の発明の動作のブロック図であ
る。発呼電話機（calling station ）１の所の購入者は
電気通信網２、例えば、公衆交換電話網を介してクレジ
ットカード（credit/debit card 、ＣＤＣ）データべー
ス５に接続される。発呼電話機はデータベース５にＣＤ
Ｃ番号、個人識別番号（personal identificationnumbe
r、ＰＩＮ）、及び発呼者音声のサンプルを提供する。
これらサンプルは発呼者確認システム（caller verific
ation system）７に送られるが、確認システム７は音声
を認識し、認識された音声がその指定されたクレジット
カードに対応することを確認するために使用される。次
に、発呼者に、新たなダイアルトーンが提供され、発呼
者は売り主３を呼び出す。売り主の電話番号は信号法網
４を使用して電気通信網２からＣＤＣデータベース５に
通過される。売り主の識別は許可コード（authorizatio
n code）を提供するためにＣＤＣデータベースによって
要求されるデータの最後の部分である。この許可コード
はＣＤＣデータべース５から信号網４及び網２を介して
売り主３に通過される。出願人の発明の一つの特定の実
施例においては、この許可番号は統合サービスデジタル
網（integrated services digital network 、ＩＳＤ
Ｎ）のＤ−チャネルを通じて売り主に提供される。別の
方法として、この情報は、他の信号法技法、例えば、二
重トーン多重周波数（dual tone multifrequency、ＤＴ
ＭＦ）信号法を使用して提供することもできる。
【０００８】売り主が許可コードを受信した後、売り主
は発呼電話機に接続され、発呼電話機から口頭による指
示を受信する。これら口頭による指示、例えば、注文す
べき商品に対する指示は、受信された許可番号と関連付
けられて、次に、売り主は、網２及び信号網４を介し
て、許可コードと商品及び料金情報を顧客に正しく請求
するためにＣＤＣデータべース５に送る。この請求は許
可コードと売り主識別が対応し、ドル制限及び時間制限
などのような全ての制約が満足されたときにのみ有効と
なる。ＣＤＣ会社６は、例えば、クレジットカードをな
くしたことがわかった時、データべースを更新できるよ
うにするために、網を介して、またオプションとしてデ
ータリンクを介してＣＤＣデータべースに接続される。
【０００９】許可は単に売り主に対する肯定的な指標で
あってもよいが、この好ましい実施例においては、許可
には許可コードが含まれる。
【００１０】本発明の一つの特徴に従うと、許可指標
（authorization indication）は購入取引（purchase t
ransaction）を追跡するための許可コード（authorizat
ion code）から構成される。この許可コードは一つ或は
複数のフィールドを含む。一つのかかるフィールドは売
り主を識別し、これによって、クレジット会社に対する
料金請求のプロセスを簡素化するために使用される。別
のフィールドはクレジットカードの所有者の名前及び／
或は住所を売り主のこのデータを得るための努力を軽減
するために提供する。また、別のフィールドはこの信用
取引が許される時間の制限を指定する。さらに、別のフ
ィールドは許可の日時を指定する。
【００１１】図２は出願人による発明を実施するために
遂行されるステップの流れ図である。最初に、ブロック
２００において、ＣＤＣ所有者（ＣＤＣＨ）が電話取引
を行なうことを希望する。ブロック２０１及びこれに続
くブロックは一つの方法を図解するが、ここでは、ＣＤ
Ｃ所有者が最初にカード会社或はその代理店のデータべ
ースを呼び出す。ブロック２０３はカード会社がカード
番号、及びＰＩＮ或は音声サンプルを要求し、カード及
びそのユーザを確認するところを示す。ただし、この要
求は、発呼者の電話機がデータべースに転送された自動
番号識別（Automatic Number Identification 、ＡＮ
Ｉ）番号によって識別され、そのＣＤＣに対して記録さ
れた電話番号と一致する場合は必要でない。データべー
スはその費用を負い、売り主に対して送信される許可コ
ードを準備するために、ＣＤＣ所有者の許可を確認す
る。ＣＤＣ保持者がこうして許可された場合は、ＣＤＣ
所有者に新たなダイアルトーンが与えられ、ＣＤＣ所有
者は売り主を呼び出す（ブロック２０５）。ブロック２
０７はＣＤＣ所有者が売り主からの製品／サービスを注
文するところを示すが、この売り主には自動的に許可コ
ードが提供される。最後に、ＣＤＣ所有者は切断し（ブ
ロック２０９）、売り主は、その取引が許可されてお
り、時間及びドル値が超えられてない場合は、その許可
コードを使用してそのカードに対して料金を請求する
（ブロック２１１）。これは、売り主がクレジットチケ
ットに記入すること、或は売り主が情報を提供すること
によって遂行されるが、この情報はＣＤＣデータべース
へのデータメッセージとして直ちに送り戻される。
【００１２】もう一つのアプローチがブロック２４１及
びこれに続くブロック内に図解される。ここでは、ＣＤ
Ｃ所有者は売り主を直接に呼び出す（動作ブロック２４
１）。売り主はＣＤＣ所有者をカード確認器のデータべ
ースに接続し、カードの確認が発呼電話機１とＣＤＣデ
ータべース５との間のやり取りによって遂行される。発
呼電話機１からＣＤＣデータべース５への転送はＣＤＣ
所有者とデータべースとの間に接続をこの接続に関して
売り主が立ち聞きできないような方法で設定することに
よって遂行される。カードはカード確認器によって、カ
ード番号、ＰＩＮ、及び／或は、適当である場合は、音
声認識を使用して確認される（動作ブロック２４３）。
次に、ＣＤＣ所有者は、売り主に接続されるが、売り主
は、データべースから許可コードを提供される（動作ブ
ロック２４５）。ＣＤＣ所有者は次に売り主によって受
信された許可コードに対して製品及びサービスを注文し
（動作ブロック２４７）、ＣＤＣ所有者は最終的に電話
を切る（動作ブロック２４９）。売り主は許可コードを
使用してそのＣＤＣに対して料金を請求する（動作ブロ
ック２５１）。
【００１３】これら両方のシナリオにおいて、クレジッ
トカード番号は売り主に提供されず、売り主は許可コー
ドのみを受信する。
【００１４】もう一つの代替の構成においては、顧客が
彼／或は彼女の商品或はサービスを選択すると、顧客
が、例えば、売り主の店の中に位置されたカード読取り
器を含む都合の良い電話機からＣＤＣデータべースに接
続される。ＣＤＣ番号が入力され、取引が許可される
と、許可コードが売り主に対して都合の良い電話機或は
関連する端末の所に音声或はビデオ或は印刷された形式
にて提供される。
【００１５】上の説明は本発明の一つの好ましい実施例
にすぎない。さまざまな他の構成が当業者においては本
発明の範囲から逸脱することなく考えられるものであ
り、従って、本発明は、特許請求の範囲内に定義される
ようにのみ限定されるものである。
【図面の簡単な説明】
【図１】出願者の発明の動作を図解するブロック図であ
る。
【図２】本発明を実現するための方法のステップの流れ
図である。

Claims (12)

    【特許請求の範囲】
  1. 【請求項１】 クレジットカード（ＣＤＣ）による支出
    を許可するためのデータべース内において使用される商
    品或はサービスの購入を許可するための方法であって、
    この方法が、 前記データべース内において所有者から特定のＣＤＣを
    識別するデータを受信することに応答して、前記ＣＤＣ
    が支出を負うために許可できるか否かを決定するステッ
    プ、及び 前記ＣＤＣが前記の支出を負うように許可されるという
    決定に応答して、前記データべースから許可指標を前記
    商品或はサービスの売り主に送信するステップを含み、
    前記ＣＤＣの識別が前記許可コードから派生できず、 前記ＣＤＣの識別が前記売り主に提供されないことを特
    徴とする方法。
  2. 【請求項２】 前記許可指標が購入取引を追跡するため
    の許可コードから構成されることを特徴とする請求項１
    の方法。
  3. 【請求項３】 前記データべース内で受信される前記デ
    ータがさらに前記ＣＤＣのユーザの識別を検証するため
    のデータを含むことを特徴とする請求項１或は２の方
    法。
  4. 【請求項４】 前記検証のためのデータが個人識別番号
    を含むことを特徴とする請求項３の方法。
  5. 【請求項５】 前記検証のためのデータが前記ＣＤＣ識
    別を供給する発呼電話機の自動番号識別を含むことを特
    徴とする請求項３の方法。
  6. 【請求項６】 音声接続を発呼者の識別を認識するため
    に音声識別手段に向けて確立するステップ、及び前記Ｃ
    ＤＣのユーザを識別するために前記音声識別手段の出力
    を使用するステップをさらに含むことを特徴とする請求
    項１或は２の方法。
  7. 【請求項７】 前記許可コードが取引に対して許される
    支出の限度を含むことを特徴とする請求項２の方法。
  8. 【請求項８】 前記許可コードが前記売り主の識別を含
    むことを特徴とする請求項２の方法。
  9. 【請求項９】 前記許可コードが日及び／或は時間デー
    タを含むことを特徴とする請求項２の方法。
  10. 【請求項１０】 前記許可コードが取引のための時間的
    な制限を含むことを特徴とする請求項２の方法。
  11. 【請求項１１】 前記許可コードが前記ＣＤＣの所有者
    の名前を含むことを特徴とする請求項２の方法。
  12. 【請求項１２】 前記許可コードが前記ＣＤＣの所有者
    の住所を含むことを特徴とする請求項２の方法。
JP24190393A 1992-09-29 1993-09-29 安全なクレジットカードの許可方法 Pending JPH07129671A (ja)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US95341892A 1992-09-29 1992-09-29
US953418 1992-09-29

Publications (1)

Publication Number Publication Date
JPH07129671A true JPH07129671A (ja) 1995-05-19

Family

ID=25493969

Family Applications (1)

Application Number Title Priority Date Filing Date
JP24190393A Pending JPH07129671A (ja) 1992-09-29 1993-09-29 安全なクレジットカードの許可方法

Country Status (8)

Country Link
US (1) US5485510A (ja)
EP (1) EP0590861B1 (ja)
JP (1) JPH07129671A (ja)
AT (1) ATE198804T1 (ja)
CA (1) CA2100134C (ja)
DE (1) DE69329871T2 (ja)
ES (1) ES2153838T3 (ja)
MX (1) MX9305830A (ja)

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US5485510A (en) 1996-01-16
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ES2153838T3 (es) 2001-03-16
MX9305830A (es) 1994-06-30
DE69329871T2 (de) 2001-06-13
CA2100134C (en) 1999-06-22
EP0590861B1 (en) 2001-01-17
EP0590861A2 (en) 1994-04-06

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