JPH1139401A - Credit card system and method for using credit card through network - Google Patents

Abstract

PROBLEM TO BE SOLVED: To handle a customer's purchase of articles using a credit card at a virtual mall in a network equally to the use of the credit card at an actual store by using an ID number different from the credit card number for the purchase of the articles at the virtual mail. SOLUTION: A 2nd system 27 as the virtual mall having received 2nd and 3rd pieces of identification information from a 1st system 20 as the customer side through a communication line 25 sends the 2nd and 3rd pieces of identification information and information regarding regarding purchased articles such as purchase prices to a 3rd system 28 as a credit company to inquire whether or not the credit card of the customer can be used. Then the 3rd system 28 rejects the use of the credit card and informs the 2nd system 27 of that if there is no stored information matching the received 2nd piece of identification information. Further, when there is matching information stored, it is compared with the 3rd piece of identification information to allow the use only when they match each other.

Description

Description: BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic commerce system using a computer network system such as the Internet. The present invention relates to a system that can use a credit card in a store (virtual mall). 2. Description of the Related Art In credit card transactions, a card holder presents a credit card to an actual store,
By signing (signing) a credit card sales slip, a transaction as a credit card can be made. In this way, customers go directly to stores to receive purchases of goods and services (services). In recent years, with the development of computer networks, virtual stores have opened on the network and these virtual stores have A system for accessing a desired product and providing a service by accessing from a computer or the like has been provided. However, when conducting a credit card transaction on a computer network, it is necessary to notify the virtual store of the number assigned to the credit card in order to certify that the transaction is a credit card transaction. Passing the credit card number above has a risk of being fraudulently used in an actual store or the like, for example, by a third party spoofing the credit card number and falsifying the card. For such a reason, it was not possible to use a credit card in a virtual store on a computer network with the conventional technology. According to the present invention, when a customer purchases a product as a credit card or receives a service at a virtual store on a computer network, the customer uses the credit card at a real store. It is an object of the present invention to provide a credit card system which is highly convenient for customers, stores and credit companies, and which is highly secure. [0004] Means for solving the problems according to the present invention is to provide a credit card on a network separately from a credit card number assigned to a credit card owned by a customer. An ID number different from the credit card number for recognizing is provided, and when a customer purchases a product or provides services as a credit card at a virtual store on a computer network, the ID number is used. By making a transaction, it is possible to use the same treatment as using a credit card at a real store, specifically, as described in the claims, the first used for credit card transactions A card storing or describing identification information and second identification information corresponding to the first identification information; Means for inputting information or means for reading the second identification information of the card; means for inputting third identification information arbitrarily determined by the customer; and at least input by the input means or read by the reading means A credit card system having communication means for notifying the second system of the second identification information and the third identification information input by the input means, and the first identification information and the second identification information in advance; Storage means for storing the third identification information correspondingly, receiving means for receiving notification of the second identification information and the third identification information from the first system,
Means for comparing the notified second identification information and the third identification information with the second identification information and the third identification information stored in advance in the storage means; and Means for deriving first identification information corresponding to the second identification information when both of the second identification information and the third identification information match, and derivation by means for deriving the first identification information. A credit card system comprising means for judging whether or not use as a credit card is possible based on the first identification information, and storage means for storing the first identification information and the second identification information in advance correspondingly, Receiving means for receiving notification of second identification information from one system, means for comparing the notified second identification information with second identification information stored in advance in the storage means, Comparison means Means for deriving the first identification information corresponding to the second identification information when the result second identification information matches, and the first identification information derived by the means for deriving the first identification information, A credit card system comprising means for determining whether or not the card can be used as a credit card, and wherein first identification information used for credit card transactions and second identification information corresponding to the first identification information are stored or described. Card, means for inputting the second identification information or means for reading the second identification information of the card, and inputting third identification information arbitrarily determined by the customer corresponding to the second identification information Means, at least second identification information input by the input means or read by the reading means, and third identification information input by the input means. A first system having communication means for notifying the first system, storage means for storing first identification information, second identification information, and third identification information in advance, and Receiving means for receiving a notification of the second identification information and the third identification information; and second identification information stored in the storage means in advance, wherein the notified second identification information and the third identification information are stored in the storage means. Means for comparing the second identification information with the third identification information, and the first identification information corresponding to the second identification information when both of the second identification information and the third identification information match as a result of the comparison means. A credit card system comprising: means for guiding identification information; and a second system comprising means for judging whether the card can be used as a credit card based on the first identification information guided by the means for guiding first identification information. In, When conducting a credit card transaction on the network, the second identification information described or stored on the card is input or the second identification information of the card is read from the input means of the first system. When the customer corresponding to the second identification information inputs the third identification information arbitrarily determined and transmits it to the second system, the second system receiving the first identification information and the second identification information, The second identification information and the third identification information stored in advance in the storage means of the second system and the second identification information and the third identification information received from the first system are compared with each other. If both match, the first identification information corresponding to the second identification information is derived from the storage means, and the use of the credit card is determined based on the first identification information, and the credit card is used. If it is determined that the use of the credit card is permitted, the first identification information is processed as the identification information of the transaction as a credit card on the network, and the method of using the credit card in the network, and the credit card transaction A card in which the first identification information and the second identification information corresponding to the first identification information are stored or described, and a means for inputting the second identification information or the second identification information of the card. Reading means, a first system having communication means for notifying the second system at least the second identification information input by the input means or read by the reading means, the first identification information and Storage means for storing the second identification information in a corresponding manner, and receiving means for receiving notification of the second identification information from the first system Means for comparing the notified second identification information with the second identification information stored in advance in the storage means, and when the second identification information is matched as a result of the comparison means, Means for deriving first identification information corresponding to the second identification information; and means for judging whether or not the credit card can be used based on the first identification information derived by the means for deriving the first identification information. In a credit card system comprising a second system, when performing a credit card transaction on a network, enter the second identification information described or stored in the card from the input means of the first system or When the second identification information of the card is read and transmitted to the second system, the second system receiving the second identification information stores in advance the storage means of the second system. Comparing the second identification information stored in the first identification information with the second identification information received from the first system, and when they match, stores the first identification information corresponding to the second identification information in the storage means The first identification information is used to determine whether or not the credit card can be used. If it is determined that the credit can be used, the first identification information is used as a credit card transaction on the network. It includes a method of using a credit card in a network characterized by processing as identification information. FIG. 1 is a diagram of a credit card used in an embodiment of the present invention. Is a credit card, 1
1. Is the first identification information entry column; Is a second identification information entry column, and FIG. 2 is a diagram showing a system according to an embodiment of the present invention. Is a credit card10. 21. A processing device of the first system used by a customer who owns Is a display device; Is a keyboard; Is the leader, 24. Is a communication adapter; Is a communication line; Is a network, 27. 28. processing device of the second system as a virtual store on the network; Is a processing device of the third system as a credit company, and 30. 3 shows a storage device, and FIG. 3 shows a storage area of a storage device of a third system as a credit company. Is a storage unit for the second identification information; Is a storage unit for third identification information; Is a storage unit for the first identification information. [0007] When a customer intends to purchase goods or provide services at a virtual store opened on a computer network such as the Internet using a credit card owned by the customer, the customer instructs the credit company in advance. By arbitrarily determining the third identification information “5432” and applying for the issuance of a credit card, the first identification information “1234-5678-901” determined by the credit company regardless of the customer's will.
2) as the first identification information entry column 11. And the second identification information “98765432” corresponding to the first identification information.
1) as the second identification information entry column 12. Credit card described in 10. Receive issuance. In credit companies,
At the same time that the credit card is issued to the customer, the first identification information, the second identification information, and the third identification information are associated with each other, and the storage device 30. To memorize it. This is a credit card in which the first identification information “1234-5678-9012” already owned by the customer is described. Then, by applying to the credit company with the third identification information "5432" to request that a credit card transaction be made on the computer network, the credit company can accept the credit card 10. First identification information “1234-5678-90”
12 "and the second identification information" 98765432 "
1 ", and the storage device of the third system 30. Second identification information storage unit 31. And stores the third identification information “5432” arbitrarily determined by the customer in the third identification information storage unit 32. And the credit card 1
0. The second identification information “9876554321” may be described later. In this manner, the first identification information "123
4-5678-9012 "and the second identification information" 9876
54321 "is described in the credit card. The customer owning the computer accesses the second system of the virtual store on the computer network by the first system for accessing the computer network (for example, a personal computer having a communication function or a word processor having a communication function), Select the product you want to purchase at the store. [0010] Next, when the product to be purchased is determined and the customer desires to purchase the product as a credit card, the second system of the virtual store uses the second identification information and the second identification information for the first system used by the customer. 10. Inquire of the third identification information corresponding to the second identification information, and the customer who has received the inquiry is credit card. The second identification information “9876554321” described in “1. From the first or a reader of the first system 23. Credit card from 10. 12. Second identification information entry column The second identification information “9876” described in
54321 "and the third identification information" 5432 "
Keyboard 22. From the second identification information "98
7654321 "and the third identification information" 5432 "are transmitted to the second system. In this way, the communication system 25. Via the second identification information “987654”
321 "and the third identification information" 5432 ", the second system transmits the second identification information, the third identification information, and information on the purchased product such as the purchase price to the third system of the credit company. And inquires whether the customer can use a credit card. In the third system of the credit company receiving the inquiry, the storage device 30. The second identification information storage unit 31. It is checked whether the second identification information “987653211” received from the second system is stored. If there is no information that matches the received second identification information, use as a credit card is not performed. Notify the second system of the refusal,
If there is a storage of the matching second identification information, the third identification information storage unit 32 stored corresponding to the third identification information “5432” received from the second system and the second identification information . Comparing with the third identification information stored in the
If they do not match, the second system is notified that the use as a credit card is refused, and if they do match, the second system is notified that the use as a credit card is permitted. The determination as to whether the relationship between the second identification information and the third identification information is valid is made by the second system, and the third system determines the relationship between the second identification information and the first identification information. May be checked. In the second system which has determined that the use as a credit card is permitted, the first identification information storage unit is associated with the second identification information and the third identification information in order to determine the transaction as a credit card. 33. Identification information "1234-5678-9012" stored in
Is used to perform sales processing as a credit card, and when the sales processing is completed, a second system is notified that the transaction as a credit card has been completed, and the second system receiving the notification similarly executes the credit processing. By notifying the first system of the customer that the transaction procedure as a card has been completed, the transaction by the credit card at the virtual store on the computer network is completed. When performing sales processing as a credit card, it is carried out as part of calculation of point addition points of a point service system for sales promotion which is widely introduced in recent years in shops and shopping streets, and as a part of customer service. The discount calculation of the purchase price can also be performed. The credit information such as the number of repayments is
Even if the second system sends a second system to the third system after inquiring of the third system by the second identification information and the third identification information as to whether or not the card can be used as a credit card, Good. The first identification information "1234-5678-9"
"012" is identification information as a credit card that can be used in a real store or the like. When the customer actually purchases a product or the like in the real store, the transaction with the credit card in the virtual store is performed. The first identification information “1” is used for the transaction with a credit card in an actual store.
234-5678-9012 "and the customer can be charged for the credit. Embodiment 2 FIG. 5 is a diagram showing a system according to another embodiment of the present invention. Is a credit card10. 41. Processing unit of the first system used by the customer owning Are display devices, 42. Is a keyboard; Is the leader, 4
4. Is a communication adapter; Is a communication line; Is a network; Is a processing unit of the second system of the credit company which also serves as a virtual store on the network.
0. 6 is a diagram showing a storage device, and FIG. 6 is a diagram showing a storage device of the second system as a credit company also serving as a virtual store on the network. Are storage units for the second identification information;
Is a storage unit for the third identification information; Is a storage unit for the first identification information. When a customer intends to purchase goods or provide services at a virtual store opened on a computer network such as the Internet using a credit card owned by the customer, the customer needs to contact the credit company in advance. By arbitrarily determining third identification information “5432” and applying for issuance of a credit card, the first identification information “1234-5678-901” determined by the credit company regardless of the customer's will.
2) as the first identification information entry column 11. And the second identification information “98765432” corresponding to the first identification information.
1) as the second identification information entry column 12. Credit card described in 10. Receive issuance. In credit companies,
At the same time as issuing the credit card to the customer, the first identification information, the second identification information, and the third identification information correspond to the storage device 50. To memorize it. This is a credit card in which the first identification information “1234-5678-9012” already owned by the customer is described. Then, by applying to the credit company with the third identification information "5432" to request that a credit card transaction be made on the computer network, the credit company can accept the credit card 10. First identification information “1234-5678-90”
12 "and the second identification information" 98765432 "
1 ”, and the storage device 50. Second identification information storage unit 51. And stores the third identification information “5432” arbitrarily determined by the customer in the third identification information storage unit 52. And the credit card 1
0. The second identification information “9876554321” may be described later. In this way, the first identification information "123
4-5678-9012 "and the second identification information" 9876
54321 "is described in the credit card. Is a credit company system that doubles as a virtual store on a computer network by a first system for accessing a computer network (for example, a personal computer having a communication function or a word processor having a communication function). Access the system of and select the product you want to purchase at the virtual store. When the product to be purchased is determined and the customer desires to purchase the product as a credit card, the second system of the virtual store uses the second identification information and the second identification for the first system used by the customer. 10. Inquiry of the third identification information corresponding to the information, and the customer who received the inquiry is credit card 10. The second identification information "98
7654321 "to the keyboard of the first system.
From the first or a reader of the first system 23.
Credit card from 10. Second identification information entry column 1
2. The second identification information “98876543” described in
21 ”and the third identification information“ 5432 ”is input to the keyboard 22. From the second identification information "98765"
4321 "and the third identification information" 5432 "to the second system. In this way, the communication system 45. Via the second identification information “987654”
321 ”and the third identification information“ 5432 ”, the second system uses the second identification information, the third identification information, and the information on the purchased product designated by the customer to determine whether or not to use the credit card for the customer. The storage device 50. The second identification information storage unit 51. It is checked whether the second identification information “9876554321” received from the first system is stored. If there is no information that matches the received second identification information, the usage as a credit card is not performed. The first system is notified of the refusal, and if there is a storage of the matching second identification information, the third identification information “5432” received from the first system corresponds to the second identification information. Identification information storage unit 5 stored and stored
2. Is compared with the third identification information stored in the first system, and if they do not match, the first system is notified that the use as a credit card is refused, and if they match, the use as a credit card is used. Is notified to the first system. In the second system which has determined that the use as a credit card is permitted, the first identification information storage unit is associated with the second identification information and the third identification information in order to confirm the transaction as a credit card. 53. Identification information "1234-5678-9012" stored in
Is used to process sales as a credit card, and when the sales processing is completed, the customer's first system is notified that the transaction as a credit card has been completed. End the transaction with the card. When performing sales processing as a credit card, calculation of point addition points of a point service system for sales promotion, and discount calculation processing of a purchase price performed as part of customer service are also performed. It goes without saying that you can do it. The first identification information "1234-5678-9"
“012” is identification information as a credit card that can be used in a real store or the like. If the customer actually purchases a product or the like in the real store, the credit card transaction in the virtual store and The first identification information “1” is used for the transaction with a credit card in an actual store.
234-5678-9012 "and the customer can be charged for the credit. In the present embodiment, the case where the second system of the virtual store is a system of a credit company also serving as a virtual store has been described. It goes without saying that it is included in the range. As described above, the second identification information different from the credit card identification information is passed through the computer network without passing the first identification information as the identification information as the credit card. To prevent unauthorized use of credit cards in actual stores, etc. due to the exploitation or leakage of communication information, as well as the use of credit cards in actual stores, etc. and credits on computer networks. It becomes possible to carry out the credit settlement process together with the card transaction, and the credit card transaction can be performed safely and rationally on the computer network.

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a diagram of a credit card used in Embodiments 1 and 2 of the present invention. FIG. 2 is a diagram illustrating a system according to a first embodiment of the present invention. FIG. 3 is a diagram of a storage unit of the system according to the first embodiment of the present invention. FIG. 4 is a diagram illustrating a flow of a process according to the first embodiment of the present invention. FIG. 5 is a diagram showing a system according to a second embodiment of the present invention. FIG. 6 is a diagram of a storage unit of the system according to the second embodiment of the present invention. FIG. 7 is a diagram illustrating a flow of a process according to a second embodiment of the present invention. [Explanation of reference numerals] Credit card11. 11. List of first identification information Second identification information listing 20. Processing device of first system 21. Display device of first system 22. First system keyboard 23. First system leader 24. Communication adapter of first system 25. Communication line 26. Network 27. Processing device of second system 28. Storage device of third system 30. Storage unit of first system 31. Second identification information storage unit 32. Third identification information storage unit 33. First identification information storage unit 40. Processing device of first system 41. Display device of first system 42. First system keyboard 43. First system leader 44. Communication adapter of first system 45. Communication line 46. Network 47. Processing device of second system 50. Storage device of second system 51. Second identification information storage unit 52. Third identification information storage unit 53. First identification information storage unit

Claims (1)

Claims: 1. A card in which first identification information used for credit card transactions and second identification information corresponding to the first identification information are stored or described, and Means for inputting identification information or means for reading the second identification information of the card; means for inputting third identification information arbitrarily determined by the customer; and at least input by the input means or read by the reading means. A credit card system comprising communication means for notifying the second system of the second identification information and the third identification information input by the input means. 2. A storage means for storing first identification information, second identification information, and third identification information in advance, and second identification information and third identification information from the first system. Receiving means for receiving the notification of the above, and means for comparing the second identification information and the third identification information which have received the notification with the second identification information and the third identification information stored in advance in the storage means, respectively. And means for deriving first identification information corresponding to the second identification information when both of the second identification information and the third identification information match as a result of the comparing means,
A credit card system comprising means for judging whether the card can be used as a credit card based on the first identification information derived by the means for deriving the first identification information. 3. A storage means for storing first identification information and second identification information in advance in correspondence with each other, a receiving means for receiving notification of second identification information from the first system, and receiving the notification. Means for comparing the second identification information obtained with the second identification information stored in advance in the storage means, and if the result of the comparison means indicates that the second identification information matches, the second identification information And a means for determining whether or not the credit card can be used based on the first identification information guided by the means for guiding the first identification information. 4. The credit card system according to claim 1, further comprising means for discounting the usage amount of the credit card. 5. The credit card system according to claim 1, further comprising point calculation means. 6. A card storing or describing first identification information used for a credit card transaction and second identification information corresponding to the first identification information, and means for inputting the second identification information Or means for reading the second identification information of the card, means for inputting third identification information arbitrarily determined by the customer corresponding to the second identification information, and means for inputting or reading at least by the input means A first system having communication means for notifying the second system of the second identification information read by the second identification information and the third identification information input by the input means; Storage means for storing the second identification information and the third identification information in a corresponding manner; receiving means for receiving the notification of the second identification information and the third identification information from the first system; Means for comparing the second identification information and the third identification information with the second identification information and the third identification information stored in the storage means in advance, and the second identification information obtained by the comparison means Means for deriving first identification information corresponding to the second identification information when any of the third identification information and the first identification information, and the first means derived by the means for deriving the first identification information In a credit card system comprising a second system having a means for determining whether or not it can be used as a credit card based on identification information, when performing a credit card transaction on a network, the input system of the first system sends the card to the card. Enter the second identification information described or stored, or read the second identification information of the card, and then the third arbitrarily determined by the customer corresponding to the second identification information When the identification information is input and transmitted to the second system, the second system receiving the first identification information and the second identification information transmits the second identification information stored in the storage means of the second system in advance. The information and the third identification information are compared with the second identification information and the third identification information received from the first system, respectively, and if any of them matches, the second identification information is corresponded. The first identification information to be used is derived from the storage means, and the use of the credit card is determined based on the first identification information thus derived. If it is determined that the credit can be used, the first identification information is determined. A method of using a credit card in a network, wherein the method is processed as identification information of a transaction as a credit card on the network. 7. A card storing or describing first identification information used for a credit card transaction and second identification information corresponding to the first identification information, and means for inputting the second identification information Or a first system comprising: means for reading second identification information of a card; and communication means for notifying the second system of at least second identification information input by the input means or read by the reading means. And, storage means for storing the first identification information and the second identification information in advance correspondingly, receiving means for receiving notification of the second identification information from the first system,
Means for comparing the notified second identification information with the second identification information stored in advance in the storage means; and Means for deriving first identification information corresponding to the second identification information, and means for determining whether or not the credit card can be used based on the first identification information derived by the means for deriving the first identification information. Consisting of a second system,
In a credit card system, when performing a transaction by a credit card on a network, input second identification information described or stored on the card from input means of the first system, or input second identification information of the card. When read and transmitted to the second system, the second system that received the second identification information received from the first system with the second identification information stored in advance in the storage means of the second system Compare with the second identification information,
If they match, the first identification information corresponding to the second identification information is derived from the storage means, and the use of the credit card is determined based on the first identification information, and the use of the credit is determined. A method of using a credit card in a network, characterized in that if it is determined to be acceptable, the first identification information is processed as identification information of a transaction as a credit card on the network. 8. A means or card for inputting second identification information of a card in which first identification information used for credit card transactions and second identification information corresponding to the first identification information are stored or described. Means for reading the second identification information, means for inputting the third identification information arbitrarily determined by the customer, at least the second identification information input by the input means or read by the reading means, and A medium in which communication means for notifying the second system of the third identification information input by the input means is registered. 9. A storage means for storing the first identification information, the second identification information, and the third identification information in correspondence with each other, and the storage means for storing the second identification information and the third identification information from the first system. Receiving means for receiving a notification, means for comparing the second identification information and the third identification information that have received the notification with the second identification information and the third identification information stored in advance in the storage means, Means for deriving first identification information corresponding to the second identification information when both of the second identification information and the third identification information match as a result of the comparison means; and A medium in which means for judging whether or not the card can be used as a credit card based on the first identification information derived by means for guiding information is registered. 10. A storage unit for storing first identification information and second identification information in a corresponding manner, a receiving unit for receiving a notification of the second identification information from the first system, and receiving the notification. Means for comparing the second identification information with the second identification information stored in the storage means in advance, and when the second identification information matches as a result of the comparison means, A medium in which means for deriving corresponding first identification information and means for determining whether or not the credit card can be used based on the first identification information derived by the means for deriving first identification information are registered.