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1. WO2013001967 - CREDIT CARD INFORMATION PROCESSING SYSTEM, CREDIT CARD INFORMATION PROCESSING METHOD, ORDER INFORMATION RECEIVING DEVICE, CREDIT CARD SETTLEMENT DEVICE, PROGRAM, AND INFORMATION RECORDING MEDIUM

Publication Number WO/2013/001967
Publication Date 03.01.2013
International Application No. PCT/JP2012/063801
International Filing Date 29.05.2012
IPC
G06Q 20/24 2012.1
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 20/02
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 20/34
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 20/385
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
  • 楽天株式会社 Rakuten, Inc. [JP]/[JP] (AllExceptUS)
  • 小林 義法 KOBAYASHI, Yoshinori [JP]/[JP] (UsOnly)
Inventors
  • 小林 義法 KOBAYASHI, Yoshinori
Agents
  • 特許業務法人はるか国際特許事務所 HARUKA PATENT & TRADEMARK ATTORNEYS
Priority Data
2011-14620330.06.2011JP
Publication Language Japanese (JA)
Filing Language Japanese (JA)
Designated States
Title
(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
(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)
The objective of the present invention is to lighten the burden of management for credit card information at seller-side without affecting convenience in transactions using a credit card for both a customer and a seller. On the basis of actual data for a credit card, a virtual mall server (3) and a credit card server (5) share conversion information for acquiring dummy data for a corresponding credit card. The virtual mall server (3), on the basis of the conversion information, acquires the corresponding dummy data on the basis of the actual data for the credit card used in settlement of order information, whereupon the acquired dummy data is transmitted to the store terminal as data for the credit card used in the settlement of the order information. The credit card server (5), upon receiving a predetermined card processing request based on the dummy data from the store terminal, acquires the actual data for the corresponding credit card on the basis of the dummy data according to the conversion information so that, on the basis of the actual data for the acquired credit card, the predetermined card processing is executed.
(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.
(JA)
 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。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。
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