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1. EP2728529 - CREDIT CARD INFORMATION PROCESSING SYSTEM, CREDIT CARD INFORMATION PROCESSING METHOD, ORDER INFORMATION RECEIVING DEVICE, CREDIT CARD SETTLEMENT DEVICE, PROGRAM, AND INFORMATION RECORDING MEDIUM

Office
European Patent Office
Application Number 12803667
Application Date 29.05.2012
Publication Number 2728529
Publication Date 07.05.2014
Publication Kind A4
IPC
G06Q 20/24
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
22Payment schemes or models
24Credit schemes, i.e. "pay after"
G06Q 20/02
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
02involving a neutral third party, e.g. certification authority, notary or trusted third party
CPC
G06Q 20/12
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
08Payment architectures
12specially adapted for electronic shopping systems
G06Q 20/24
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
22Payment schemes or models
24Credit schemes, i.e. "pay after"
G06Q 20/385
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
385using an alias or single-use codes
G06Q 20/02
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
02involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
G06Q 20/34
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
30characterised by the use of specific devices ; or networks
34using cards, e.g. integrated circuit [IC] cards or magnetic cards
G06Q 20/202
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
08Payment architectures
20Point-of-sale [POS] network systems
202Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
Applicants RAKUTEN INC
Inventors KOBAYASHI YOSHINORI
Designated States
Priority Data 2011146203 30.06.2011 JP
Title
(DE) KREDITKARTENINFORMATIONSVERARBEITUNGSSYSTEM, KREDITKARTENINFORMATIONSVERARBEITUNGSVERFAHREN, VORRICHTUNG FÜR DEN EMPFANG VON BESTELLINFORMATIONEN, KREDITKARTENZAHLUNGSVORRICHTUNG, PROGRAMM UND INFORMATIONSAUFZEICHNUNGSMEDIUM
(EN) CREDIT CARD INFORMATION PROCESSING SYSTEM, CREDIT CARD INFORMATION PROCESSING METHOD, ORDER INFORMATION RECEIVING DEVICE, CREDIT CARD SETTLEMENT DEVICE, PROGRAM, AND INFORMATION RECORDING MEDIUM
(FR) SYSTÈME DE TRAITEMENT D'INFORMATIONS DE CARTE DE CRÉDIT, PROCÉDÉ DE TRAITEMENT D'INFORMATIONS DE CARTE DE CRÉDIT, DISPOSITIF DE RÉCEPTION D'INFORMATIONS D'ORDRE, DISPOSITIF DE RÈGLEMENT PAR CARTE DE CRÉDIT, PROGRAMME ET SUPPORT D'ENREGISTREMENT D'INFORMATIONS
Abstract
(EN)
A seller's workload of managing credit card information can be reduced without changing convenience for an orderer and the seller in a transaction using a credit card. A virtual mall server (3) and a credit card server (5) share conversion information for obtaining, from actual data of the credit card, corresponding dummy data of the credit card. The virtual mall server (3) obtains, based on the conversion information, the corresponding dummy data from the actual data of the credit card to be used for a settlement of the order information, and sends the obtained dummy data to a shop terminal as data of the credit card to be used for the settlement of the order information. Upon receiving, from the shop terminal, a predetermined card processing request based on the dummy data, the credit card server (5) obtains, based on the conversion information, the corresponding actual data from the dummy data of the credit card, and performs the predetermined card processing based on the obtained actual data of the credit card.

(FR)
La présente invention a pour objectif d'alléger le poids de la gestion des informations de carte de crédit du côté du vendeur sans perdre les avantages que les transactions réalisées au moyen d'une carte de crédit ont pour le client et pour le vendeur. Sur la base de données réelles liées à une carte de crédit, un serveur de centre commercial virtuel (3) et un serveur pour cartes de crédit (5) partagent des informations de conversion destinées à l'acquisition de données fictives liées à une carte de crédit correspondante. Ledit serveur de centre commercial virtuel (3) acquiert, sur la base de ces informations de conversion, les données fictives correspondantes en fonction des données réelles liées à la carte de crédit utilisée lors du règlement des informations d'ordre, puis les données fictives acquises sont transmises au terminal de la boutique sous la forme de données liées à la carte de crédit utilisée lors du règlement des informations d'ordre. Ledit serveur pour cartes de crédit (5) acquiert, lorsqu'il reçoit une demande de traitement de carte prédéfinie basée sur les données fictives en provenance du terminal de la boutique, les données réelles liées à la carte de crédit correspondante en fonction des données fictives et selon les informations de conversion, et ainsi, grâce aux données réelles liées à la carte de crédit acquise, le traitement de carte prédéfini est exécuté.