Credit intermediary system, credit intermediary apparatus and method thereof, recording medium and program

• US 20040064403A1
• Filed: 09/30/2002
• Published: 04/01/2004
• Est. Priority Date: 06/11/2001
• Status: Active Grant

• Current Assignee: Sony Corporation (Sony Group Corp.)
• Original Assignee: Sony Corporation (Sony Group Corp.)
• Inventors: Hasumi, Yoshitsugu, Shiotani, Keiji
• Granted Patent: US 7,827,098 B2
• Time in Patent Office: Days
• US Class Current: 705/38
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/24 Credit schemes, i.e. "pay after"
• CPC Class Codes: G06Q 20/4016 involving fraud or risk level assessment in transaction processing
• CPC Class Codes: G06Q 20/403 Solvency checks
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof

Abstract

An affiliated store terminal obtains a security code and a card holder'"'"'s attribution information of a credit card, such as a card holder'"'"'s attribution information consists of a date of birth, lower four figures of a home telephone number, a last name and a first name of a card holder. An authorization request transmitted from the affiliated terminal is transmitted to a card company apparatus, and further transmitted to a card issuing company apparatus through an intermediary center apparatus. The card company apparatus executes an authorization process and return a result of the authorization process to the affiliated store terminal through the intermediary center apparatus and the previous card company apparatus.

Claims

1. A credit intermediary system comprising a first, second and third information processing apparatuses to be connected with each other through a network, wherein:

said first information processing apparatus transmits a credit electronic message including a credit card number to said second information processing apparatus;

said second information processing apparatus determines an issuing credit company that issued said credit card on the basis of said credit card number included in said credit electronic message received and transmits said credit electronic message to said third information processing apparatus disposed in said issuing credit company;

said third information processing apparatus executes a credit authorization process on the basis of said credit electronic message received and transmits a result of credit authorization process to said second information processing apparatus; and

said second information processing apparatus transmits said result of credit authorization process received to said first information processing apparatus.

2. A credit intermediary apparatus for performing credit-intermediacy process between an issuing credit company system and one of a user'"'"'s credit card company system and an affiliated store system, said credit intermediary apparatus comprising:

receiving means for receiving a credit electronic message including a credit card number from one of said user'"'"'s credit card company system and said affiliated store system;

credit request means for determining an issuing credit company that issued said credit card on the basis of said credit card number included in said credit electronic message that is received by said receiving means, outputting a credit electronic message corresponding to said credit electronic message to said issuing credit company system for requesting a credit authorization; and

transmitting means for receiving a result of credit authorization process with regards to said credit authorization requested by said credit request means from said issuing credit company system, and transmitting said result of credit authorization process to one of said user'"'"'s credit card company system and said affiliated store system.

3. The credit intermediary apparatus according to claim 2, wherein:

said credit electronic message includes at least one of a card holder'"'"'s attribution information and a security code of said credit card.

4. The credit intermediary apparatus according to claim 3, wherein:

said card holder'"'"'s attribution information includes at least one of information with respect to a birth date of a card holder of said credit card, information with respect to a telephone number of said card holder, information with respect to a last name of said card holder and information with respect to a first name of said card holder.

5. A credit intermediary method of a credit intermediary apparatus for performing credit-intermediacy process between an issuing credit company system and one of a user'"'"'s credit card company system and an affiliated store system, said credit intermediary method comprising:

a receiving step for receiving a credit electronic message including a credit card number from one of said user'"'"'s credit card company system and said affiliated store system;

a credit requesting step for determining an issuing credit company that issued said credit card on the basis of said credit card number included in said credit electronic message that is received in said receiving step, outputting a credit electronic message corresponding to said credit electronic message to said issuing credit company system for requesting a credit authorization; and

a transmitting step for receiving a result of credit authorization process with regards to said credit authorization requested in said credit request step from said issuing credit company system, and transmitting said result of credit authorization process to one of said user'"'"'s credit card company system and said affiliated store system.

6. A recording medium in which a computer-readable program for realizing a credit intermediary apparatus is recorded, said computer-readable program performing credit-intermediacy process between an issuing credit company system and one of a user'"'"'s credit card company system and an affiliated store system, said program comprising:

a receiving step for receiving a credit electronic message including a credit card number from one of said user'"'"'s credit card company system and said affiliated store system;

a credit requesting step for determining an issuing credit company that issued said credit card on the basis of said credit card number included in said credit electronic message that is received in said receiving step, outputting a credit electronic message corresponding to said credit electronic message to said issuing credit company system for requesting a credit authorization; and

a transmitting step for receiving a result of credit authorization process with regards to said credit authorization requested in said credit request step from said issuing credit company system, and transmitting said result of credit authorization to one of said user'"'"'s credit card company system and said affiliated store system.

7. A program for allowing a computer to control a credit intermediary apparatus so as to perform credit-intermediacy process between an issuing credit company system and one of a user'"'"'s credit card company system and an affiliated store system, said program causing said computer to perform:

a receiving step for receiving a credit electronic message including a credit card number from one of said user'"'"'s credit card company system and said affiliated store system;

a credit requesting step for determining an issuing credit company that issued said credit card on the basis of said credit card number included in said credit electronic message that is received in said receiving step, outputting a credit electronic message corresponding to said credit electronic message to said issuing credit company system for requesting a credit authorization; and

a transmitting step for receiving a result of credit authorization process with regards to said credit authorization requested in said credit request step from said issuing credit company system, and transmitting said result of credit authorization to one of said user'"'"'s credit card company system and said affiliated store system.