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1. JP2013015881 - CREDIT CARD INFORMATION PROCESSING SYSTEM, CREDIT CARD INFORMATION PROCESSING METHOD, ORDER INFORMATION ACCEPTING DEVICE, CREDIT CARD SETTLING DEVICE, PROGRAM, AND INFORMATION RECORDING MEDIUM

Office
Japan
Application Number 2011146203
Application Date 30.06.2011
Publication Number 2013015881
Publication Date 24.01.2013
Grant Number 5400097
Grant Date 01.11.2013
Publication Kind B2
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"
CPC
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 20/02
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 20/12
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 20/202
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
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
Applicants RAKUTEN INC
楽天株式会社
Inventors KOBAYASHI YOSHINORI
小林 義法
Agents 特許業務法人はるか国際特許事務所
Title
(EN) CREDIT CARD INFORMATION PROCESSING SYSTEM, CREDIT CARD INFORMATION PROCESSING METHOD, ORDER INFORMATION ACCEPTING DEVICE, CREDIT CARD SETTLING DEVICE, PROGRAM, AND INFORMATION RECORDING MEDIUM
(JA) クレジットカード情報処理システム、クレジットカード情報処理方法、注文情報受付装置、クレジットカード決済装置、プログラム及び情報記録媒体
Abstract
(EN)

PROBLEM TO BE SOLVED: To reduce a management load of credit card information on a seller side without changing usability of both of an orderer and the seller in a transaction using a credit card.

SOLUTION: A virtual mall server 3 and a credit card server 5 share conversion information for acquiring dummy data of a corresponding credit card from actual data of the credit card. The virtual mall server 3 acquires corresponding dummy data from the actual data of the credit card for use in the settlement of order information on the basis of the conversion information, and transmits the acquired dummy data to a store terminal as data of the credit card for use in the settlement of the order information. When accepting a request to process a predetermined card based on the dummy data from the store terminal, the credit server 5 acquires the actual data of the credit card corresponding to the dummy data according to the conversion information and executes the processing of the predetermined card on the basis of the actual data of the acquired credit card.

COPYRIGHT: (C)2013,JPO&INPIT

(JA)

【課題】クレジットカードを利用した取引の注文者・販売者双方の使い勝手に変更を加えることなく、販売者側でのクレジットカード情報の管理負担を軽減させる。
【解決手段】仮想商店街サーバー3とクレジットカードサーバー5は、クレジットカードの実データから、対応するクレジットカードのダミーデータを取得するための変換情報を共有する。仮想商店街サーバー3は、変換情報に基づいて、注文情報の決済に用いるクレジットカードの実データから、対応するダミーデータを取得し、取得したダミーデータを注文情報の決済に用いるクレジットカードのデータとして、店舗端末に送信する。クレジットカードサーバー5は、店舗端末からダミーデータに基づく所定のカード処理要求を受け付けると、変換情報に従ってダミーデータから対応するクレジットカードの実データを取得し、取得したクレジットカードの実データに基づいて、所定のカード処理を実行する。
【選択図】図1