JPH1063925A - Account settling system by credit card on internet unnecessitating encipherment of credit card number - Google Patents
Account settling system by credit card on internet unnecessitating encipherment of credit card numberInfo
- Publication number
- JPH1063925A JPH1063925A JP26007196A JP26007196A JPH1063925A JP H1063925 A JPH1063925 A JP H1063925A JP 26007196 A JP26007196 A JP 26007196A JP 26007196 A JP26007196 A JP 26007196A JP H1063925 A JPH1063925 A JP H1063925A
- Authority
- JP
- Japan
- Prior art keywords
- card
- internet
- credit card
- mail address
- settlement
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Landscapes
- Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
Abstract
Description
【０００１】[0001]
【発明の属する技術分野】この発明は、インターネット
上でクレジットカードを決済手段として利用する方法に
関するものである。BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method for using a credit card as a settlement means on the Internet.
【０００２】[0002]
【従来の技術】従来、インターネット上で通信販売など
の取引きを行う際の決済手段として、クレジットカード
を利用しようとすると、支払元はクレジットカード番号
を支払先に通知しなければならない。しかし、この番号
はハッカーなどにより他人に知られると不正に使用され
る恐れがあるため、それを防ぐためにカード番号等の取
引き情報を暗号化して送る方法が考えられている。2. Description of the Related Art Conventionally, if a credit card is used as a settlement means when conducting a transaction such as mail order on the Internet, the payer must notify the payee of the credit card number. However, since this number may be used illegally by a hacker or the like if it is known to others, a method of encrypting and transmitting transaction information such as a card number has been considered in order to prevent this.
【０００３】[0003]
【発明が解決しようとする課題】しかしこの方法には次
のような問題がある。 （イ）送り手（カード会員）にとって情報（カード番
号）を暗号化する手順が煩わしい。 （ロ）ハッカーが暗号化した情報を解読した場合は、不
正使用が行われる危険がある。 そこで本発明は、基本的には暗号化が不要で、通常の電
子メールのやり取りと同じ方法でクレジットカードによ
る決済ができるように、前述の問題点を解決する方法を
提供することを目的としている。However, this method has the following problems. (A) The procedure for encrypting information (card number) is troublesome for the sender (card member). (B) If a hacker decrypts the encrypted information, there is a risk of unauthorized use. Therefore, an object of the present invention is to provide a method for solving the above-mentioned problem so that the payment is basically not required and the payment by a credit card can be performed in the same manner as in the ordinary e-mail exchange. .
【０００４】[0004]
【課題を解決するための手段】上記目的を達成するため
に、本発明は、インターネット上でのみ使える個々の会
員のＩＤ番号及び記号を、あらかじめカード会社とカー
ド会員との間で決めておき、これを決済に使う。そし
て、インターネット上でのカード会員と加盟店との取引
き（通信販売／情報の提供／金銭の貸借）に関する全て
の送付先をカード会社にあらかじめ登録されている送付
先とする。もし取引時に会員が送付先を変えたい場合
は、その旨を支払先（加盟店）に通知する。カード会社
は会員の電子メールアドレスにより確認作業を行い諾否
の判断をする。本発明は、以上のような方法よりなるイ
ンターネット上の決済のシステムである。In order to achieve the above object, according to the present invention, an ID number and a symbol of each member which can be used only on the Internet are determined in advance between a card company and a card member, Use this for settlement. Then, all destinations relating to transactions (mail-order sales / information provision / money lending) between the card member and the member store on the Internet are set as destinations registered in advance by the card company. If the member wants to change the destination at the time of the transaction, he notifies the payee (member store) of that fact. The card company performs a confirmation operation based on the e-mail address of the member and determines whether or not to accept. The present invention is a system for settlement on the Internet, which is constituted by the above method.
【０００５】[0005]
【発明の実施の形態】このように、インターネット上で
のみ使える個々の会員のＩＤ番号及び記号を、あらかじ
めカード会社とカード会員との間で決めておき、これを
決済に使う事により、クレジットカードのカード番号を
使わずにクレジットカードによる決済を行う事ができ
る。以下、本発明の実施の形態を実施例にもとづき図面
を参照して説明する。事前処理として図１のように （イ）カード会社（２）は、個々のカード会員（３）に
インターネット専用のＩＤ番号及記号（１）を配布す
る。 （ロ）カード会員（３）は、確認用の連絡先として、そ
の電子メールのアドレス（５）をカード会社（２）に登
録しておく。 （ハ）カード会社（２）とそのカードの加盟店（４）
は、クーリングオフ制度に関する取り決め（６）をす
る。また、カード会員（３）と加盟店（４）との間の取
引きとして図２のように （イ）カード決済の際には、支払元（カード会員）
（３）はインターネット専用のＩＤ番号及び記号（１）
と電子メールアドレス（５）のみを支払先（カードの加
盟店）（４）に知らせる。 （ロ）加盟店（４）は上記ＩＤ番号及び記号（ハと電子
メールアドレス（５）カード会社（２）に知らせ、承認
を依頼する。 （ハ）カード会社（２）の承認が下り次第取引きは成立
となる。 （ニ）−ａ商品の送付の場合、その送付先は、カード会
社にあらかじめ登録されている当該会員の住所となる。 （ニ）−ｂ情報の提供の場合、カード会社に登録されて
いる電子メールアドレスに送付される。 （ニ）−ｃ金銭の貸借の場合、カード会社に登録されて
いる取引き口座に送金される。 また、会員が取引き時に送付先等を変更したい場合は、
電子メールアドレスによりカード会社からの確認作業が
行われる。DESCRIPTION OF THE PREFERRED EMBODIMENTS As described above, an ID number and a symbol of an individual member which can be used only on the Internet are determined in advance between a card company and a card member, and these are used for settlement. You can make a payment by credit card without using the credit card number. Hereinafter, embodiments of the present invention will be described with reference to the drawings based on examples. As a pre-process, as shown in FIG. (B) The card member (3) registers the e-mail address (5) with the card company (2) as a contact for confirmation. (C) Card company (2) and its affiliated stores (4)
Shall make an agreement (6) on the cooling-off system. As shown in FIG. 2, a transaction between the card member (3) and the member store (4) is as shown in FIG.
(3) is an Internet-specific ID number and symbol (1)
And the e-mail address (5) only to the payee (member store of the card) (4). (B) The member store (4) informs the ID number and symbol (C and the e-mail address (5) the card company (2) and requests approval. (C) Transactions are made as soon as the approval of the card company (2) is obtained. (D) In the case of sending a-a product, the destination is the address of the member registered in advance with the card company. (D) -c In the case of lending and borrowing money, it is remitted to the transaction account registered with the card company. If you want to change it,
The confirmation work from the card company is performed by the e-mail address.
【０００６】[0006]
【発明の効果】本発明は、以上のような方法を採る事
で、支払元（会員）は、通常の電子メールと同じやり方
で注文をすることができ、インターネット上でハッカー
が第三者の当該ＩＤ番号及び記号を使用したとしても、
商品や情報・金銭は正規の会員宛送られるので、ハッカ
ーに実利はなく、会員は注文していないものが来た場合
は、クーリングオフ制度により救済される。またハッキ
ングにより第三者が当該ＩＤ番号及び記号を知ったとし
てもインターネット上での使用以外では意味をなさない
等、不正使用を防ぐのみならず、送り手（カード会員）
にとって情報を暗号化する手間を省く効果がある。According to the present invention, by adopting the above-mentioned method, the payer (member) can place an order in the same manner as a normal e-mail, and a hacker can use a third party on the Internet. Even if the ID number and symbol are used,
Since goods, information and money are sent to legitimate members, hackers are not profitable, and members who do not order will be relieved by a cooling-off system. In addition, even if a third party knows the ID number and the symbol by hacking, it does not make sense except for use on the Internet, and not only prevents unauthorized use but also the sender (card member)
Has the effect of saving the trouble of encrypting information.
【図１】本発明の事前取り決め図FIG. 1 is a prior arrangement diagram of the present invention.
【図２】本発明の利用フロー図FIG. 2 is a flowchart of use of the present invention.
【図３】本発明の支払フローFIG. 3 is a payment flow according to the present invention.
１ インターネット用ＩＤ番号及び記号 ２ カード会社 ３ 会 員 ４ 加盟店 ５ 電子メールアドレス ６ クーリングオフ制度の取り決め 1 Internet ID number and symbol 2 Card company 3 Member 4 Member store 5 E-mail address 6 Cooling-off agreement
Claims (1)
トカードのカード番号を暗号化したものを使わずに、ク
レジットカードによる決済を行うシステム。1. A system for performing a payment by a credit card without using an encrypted credit card at the time of payment on the Internet.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| JP26007196A JPH1063925A (en) | 1996-08-26 | 1996-08-26 | Account settling system by credit card on internet unnecessitating encipherment of credit card number |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| JP26007196A JPH1063925A (en) | 1996-08-26 | 1996-08-26 | Account settling system by credit card on internet unnecessitating encipherment of credit card number |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| JPH1063925A true JPH1063925A (en) | 1998-03-06 |
Family
ID=17342908
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| JP26007196A Pending JPH1063925A (en) | 1996-08-26 | 1996-08-26 | Account settling system by credit card on internet unnecessitating encipherment of credit card number |
Country Status (1)
| Country | Link |
|---|---|
| JP (1) | JPH1063925A (en) |
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| KR20000024454A (en) * | 2000-02-15 | 2000-05-06 | 이동호 | System and method for approving and managing card dealings using internet |
| WO2003048882A3 (en) * | 2001-12-01 | 2003-10-09 | Digital Service Co Ltd | Payment apparatus and method using transfer card |
| KR20030092944A (en) * | 2002-05-31 | 2003-12-06 | 주식회사 엑스펫테크놀로지 | Information inquiry relay service system and method |
| USRE40444E1 (en) * | 1998-12-29 | 2008-07-29 | International Business Machines Corporation | Four-party credit/debit payment protocol |
-
1996
- 1996-08-26 JP JP26007196A patent/JPH1063925A/en active Pending
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| USRE40444E1 (en) * | 1998-12-29 | 2008-07-29 | International Business Machines Corporation | Four-party credit/debit payment protocol |
| KR20000024454A (en) * | 2000-02-15 | 2000-05-06 | 이동호 | System and method for approving and managing card dealings using internet |
| WO2003048882A3 (en) * | 2001-12-01 | 2003-10-09 | Digital Service Co Ltd | Payment apparatus and method using transfer card |
| KR20030092944A (en) * | 2002-05-31 | 2003-12-06 | 주식회사 엑스펫테크놀로지 | Information inquiry relay service system and method |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US20220051237A1 (en) | Secure remote payment transaction processing using a secure element | |
| US10652028B2 (en) | Systems and methods for secure detokenization | |
| US10410209B2 (en) | Electronic transaction system and method with participant authentication via separate authority from real-time payment validation | |
| Bellare et al. | iKP-A Family of Secure Electronic Payment Protocols. | |
| US5999625A (en) | Method for electronic payment system with issuer control | |
| JP4955894B2 (en) | Method and system for executing secure electronic commerce by looping back authorization request data | |
| KR100349779B1 (en) | Four-party credit/debit payment protocol | |
| US7039809B1 (en) | Asymmetric encrypted pin | |
| EP0995177B1 (en) | Symmetrically-secured electronic communication system | |
| US6363365B1 (en) | Mechanism for secure tendering in an open electronic network | |
| US20100153273A1 (en) | Systems for performing transactions at a point-of-sale terminal using mutating identifiers | |
| US20220116366A1 (en) | Secure and trusted conveyance from user computing device to merchant computing entity | |
| US20070050300A1 (en) | Electronic cash system | |
| CN116132063A (en) | Security token distribution | |
| JPH07234904A (en) | Method for execution of noncash transaction | |
| US20020116337A1 (en) | System for anonymous distribution and delivery of digital goods | |
| WO2003001736A1 (en) | Method for authenticating settlement terminal and settlement method using the same | |
| JPH1063925A (en) | Account settling system by credit card on internet unnecessitating encipherment of credit card number | |
| JPH10149396A (en) | Commercial transaction system | |
| Asokan et al. | Electronic payment systems | |
| CA2237441C (en) | A mechanism for secure tendering in an open electronic network | |
| Kravitz | Highly scalable on-line payments via task decoupling | |
| Balasubramanian et al. | Electronic payment systems and their security | |
| CN118076964A (en) | Efficient and protected data transmission system and method | |
| JP2001101301A (en) | Settlement information processing system for card transaction |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| A02 | Decision of refusal |
Effective date: 20040602 Free format text: JAPANESE INTERMEDIATE CODE: A02 |