Credit card information processing system, credit card information processing method, order information receiving device, credit card transaction device, program, and information recording medium

Patent metadata

Field	Value
Publication number	US-9922319-B2
Application number	US-201214129284-A
Country	US
Kind code	B2
Filing date	May 29, 2012
Priority date	Jun 30, 2011
Publication date	Mar 20, 2018
Grant date	Mar 20, 2018

Abstract

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.

First claim

The invention claimed is:

1. A credit card information processing system, comprising:
a virtual mall server, which holds conversion information and is configured to receive order information for a shop from a user terminal and provide a shop terminal with the received order information; and
a credit card server, which holds a copy of the conversion information and is configured to process a credit card transaction related to the order information,
wherein the virtual mail server comprises:
a central processing device; and
a memory storing programming information causing the central processing unit to be configured to:
receive the order Information including actual data of a credit card sent from the user terminal in a processing of the order information and a credit card transaction processing relating to the order information;
convert the actual data of the credit card included in the order information to dummy data corresponding to the actual data of the credit card based on the conversion information, in response to receiving the order information which includes the actual data of the credit card; and
send the dummy data, as data of the credit card, to the shop terminal that processes the order information,

wherein the credit card server comprises:
a central processing unit; and
a memory storing programming information causing the central processing unit to be configured to:
receiving, from the shop terminal, a request for the credit card transaction based on the dummy data;
obtain actual data corresponding to the received dummy data by using the copy of the conversion information to convert between the dummy data and the actual data of the credit card without accessing the conversion information held by the virtual mall server; and
process the received request for the credit card transaction based on the obtained actual data.

2. The credit card information processing system according to claim 1 ,
wherein the processor comprised in the virtual mall server is further configured to send, to the credit card server, the actual data of the credit card to be used for the settlement of the order information received from the user terminal,
wherein the processor comprised in the credit card server is further configured to generate the conversion information in which the actual data of the credit card is associated with the dummy data corresponding to the actual data, the actual data being sent from the virtual mall server, and
wherein the processor comprised in the virtual mall server is further configured to obtain the generated conversion information.

3. The credit card information processing system according to claim 1 ,
wherein the processor comprised in the virtual mall server is further configured to:
obtain one or more dummy data candidates issued by the credit card server; and
select dummy data from the one or more obtained dummy data candidates, the dummy data corresponding to the actual data of the credit card to be used for the settlement of the order information received from the user terminal, and generate the conversion information in which the actual data of the credit card is associated with the selected dummy data, and

wherein the processor comprised in the credit card server is further configured to obtain the generated conversion information.

4. The credit card information processing system according to claim 3 ,
wherein the processor comprised in the virtual mall server is further configured to request the credit card server to issue one or more new dummy data candidates in a case where a number of the dummy data candidates, which are obtained and are not associated with the actual data, is equal to or less than a threshold value, and
wherein the processor comprised in the virtual mall server is further configured to obtain the one or more new dummy data candidates issued by the credit card server in response to the request from the virtual mall server.

5. The credit card information processing system according to claim 4 , wherein the processor comprised in the virtual mall server is further configured to request an issuance of the one or more new dummy data candidates upon receiving order information from the user terminal.

6. The credit card information processing system according to claim 1 , wherein at least one of the processor comprised in the virtual mall server and the processor comprised in the credit card server is further configured to:
determine whether or not to invalidate dummy data based on a result of evaluating a possibility of an improper use of the dummy data, the result being based on at least one of a number of times of use, an expiration date, a settlement amount relating to the order information, and accumulated settlement amounts, each relating to the obtained dummy data; and
update the dummy data, which corresponds to actual data of the credit card to be used for the settlement of the order information, to new dummy data, in a case where it is determined that the obtained dummy data is invalid.

7. The credit card information processing system according to claim 1 , wherein at least one of the processor comprised in the virtual mall server and the processor comprised in the credit card server is further configured to:
determine whether or not to invalidate dummy data based on a result of evaluating a possibility of a loss in a case where the dummy data leaks, the result being based on at least one of an expiration date and a credit card limit, each relating to the obtained dummy data; and
update the dummy data, which corresponds to actual data of the credit card to be used for the settlement of the order information, to new dummy data, in a case where it is determined that the dummy data of the obtained credit card is invalid.

8. The credit card information processing system according to claim 1 , wherein said conversion information is a card correspondence table.

Assignees

• Kobayashi Yoshinori
• Rakuten Inc

Inventors

• Kobayashi Yoshinori

Classifications

• G06Q20/12

  specially adapted for electronic shopping systems · CPC title

• G06Q20/02

  involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] · CPC title

• G06Q20/385

  using an alias or single-use codes · CPC title

• G06Q20/24

  Credit schemes, i.e. "pay after" · CPC title

• G06Q20/202

  Interconnection 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 · CPC title