JP2006039972A - Management system preventing card name information leakage of credit card - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To improve an information leakage prevention system of a card name in a conventional credit card. <P>SOLUTION: In this management system preventing information leakage of the card name of the credit card, a card face of a credit card system is made to store a card number and an expiration date or the like, and the card number and the expiration date or the like specific to a member are associated on a database of a card company. In the management system, the card wherein an ID newly added and set in a member name display position on a certificate for a financial transaction of the credit card by the card member is displayed and recorded as a member name instead of a real name is issued, used and stored. By the management system, security privacy is improved. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to an information leakage prevention system in a credit card system. More specifically, the present invention prevents the leakage of card name information in a credit card system that can prevent the leakage of card name information by using a conventional credit card as it is. It relates to the management system.

  As a conventional card name information leakage prevention system in a credit card, for example, an information leakage prevention system in a credit card settlement disclosed in Japanese Patent Laid-Open No. 2003-27188, a credit card system / card information processing apparatus and an embossing section disclosed in Japanese Patent Laid-Open No. 2003-178188 A credit card without a credit card or a system capable of requesting goods or services to a supplier while concealing the personal information of a user disclosed in Japanese Patent Application Laid-Open No. 2003-296637 is disclosed.

  The system disclosed in Japanese Patent Application Laid-Open No. 2003-271885 provides an information leakage prevention system in which unauthorized use of a card is difficult and information required for transaction is not notified to a third party. Provide a card that stores only the card key without storing and describing the number and expiration date, etc., store the card key, the card number unique to the customer, and the PIN in the database of an independent host computer for transactions At this time, the card key read from the card via the card data reader and the password entered by the customer are transferred to the host computer, and the authentication of the card and the customer is judged by the processing on the host computer side, and only the judgment result is obtained. It is sent back to the store terminal to determine whether or not to execute credit settlement.

  The system disclosed in Japanese Patent Laid-Open No. 2003-178188 provides a credit card system in which anyone can hold a credit card, and the solution is an information terminal and a credit card company provided by the credit card system in member stores. The card information processing device provided in the terminal is connected by a communication line, and the credit card payment from the information terminal can be processed by the card information processing device. The maximum limit is determined based on the security deposit stored in the device, a credit card CC that can be used within the maximum limit is issued, and when this card CC is used, the maximum limit is displayed on the information terminal of the member store. It is in a place where it is notified whether or not payment can be made.

In addition, the system disclosed in Japanese Patent Laid-Open No. 2003-296737 makes it possible to request an article or service from a supplier while keeping the personal information of the user confidential, and the resolution means that the anonymous delivery support server uses a user ID. An anonymous ID corresponding to the user ID is issued and the name and address corresponding to the user ID are stored in association with the anonymous ID, and when the user requests the supplier to deliver the product, the user terminal is used instead of the delivery destination. The anonymous ID is input to the supplier server, while the supplier transmits the anonymous ID input to the supplier server to the courier terminal, and the courier terminal acquires the name and address corresponding to the received anonymous ID from the anonymous delivery support server. The supplier's goods are delivered to the name and address.
Japanese Patent Laid-Open No. 2003-271885 JP 2003-178188 A JP, 2003-296637, A Among the above-mentioned indication gazettes, especially as a system relevant to the present invention, since it is an invention published in JP, 2003-271885, this system is explained still more concretely. As shown in FIG. 1, this conventional system includes a plurality of store terminals 1 installed for each sales point, a host computer 2 installed in a credit company facility, a store terminal 1 and a host computer. 2 is configured by a communication line 3 such as a dedicated line or the Internet that is communicably connected to the card 2 and a card 4 lent to each customer. As the store terminal 1 and the host computer 2, a dedicated processing device, a personal computer, a workstation, or the like can be used. As the card 4, a magnetic card that stores data in a magnetic stripe, an IC card that stores data in a built-in IC chip, or the like can be appropriately selected and used. Each store terminal 1 includes a card data reading device 5 for reading information stored in a card 4 held by the customer, and a manual data input device such as a numeric keypad used when the customer inputs a personal identification number. 6 is connected to the host computer 2 and a database 7 comprising a hard disk drive or the like in which customer specific data not correlated with the card number is stored in correspondence with the card number and personal identification number unique to the customer.

  Next, the processing system implemented by CPU of the terminal 1 for shops is demonstrated with the flowchart of FIG. 2 and FIG. First of all, a store terminal 1 that functions as a card use / non-use determination unit 1a, a credit settlement determination unit 1b and a store-side credit settlement execution unit 1c, a card authentication determination unit 2a, a customer authentication determination unit 2b, and a host-side credit settlement execution unit 2c. The processing operation of the host computer 2 that functions as the CPU of the store terminal 1 that has started processing upon power-on determines whether or not the card 4 is inserted in the card data reading device 5, If the insertion of the card 4 is not detected, only the determination process of step a1 is repeatedly executed as it is, and a standby state for waiting for the insertion of the card 4 is entered. When the determination process in step a1 detects that the card 4 is inserted into the card data reading device 5 by a customer or a store employee or the like, the store functions as a part of the card use determination unit 1a. The CPU of the terminal 1 reads the card key stored in the magnetic stripe of the card 4 or the IC chip via the card data reading device 5, and this card key together with the store code unique to the store through the communication line 3. A standby state is entered in which it is transmitted to the host computer 2 and waits for the input of the determination result from the host computer 2. On the other hand, the CPU of the host computer 2 that has started processing upon power-on has detected the input of the card key and store code transmitted from the CPU of the store terminal 1 and the CPU of the store terminal 1. The process for detecting the input of the transmitted personal identification number is repeatedly executed, and the card key and the store code transmitted from the CPU of the store terminal 1 are part of the card authenticity judging means 2a by the process of step b1. It is detected by the functioning host computer 2. The CPU of the host computer 2 that has detected this is transmitted from the CPU of the terminal 1 for the store with reference to the field of the card key in each record of the database 7 as shown after temporarily storing the card key and the store code. It is determined whether or not the card key is already stored in any record in the database 7. If the card key read in the process of step b2 is stored in any record in the database 7, it is confirmed that the card 4 currently being traded is a registered genuine one. This means that the CPU of the host computer 2 that functions as a part of the card authenticity determination means 2a newly generates a unique processing code corresponding to the card key and the store code in order to determine this transaction. The store code read in the process of step b2 and the process code generated in the process of step b5 are temporarily stored in the store code field and the process code field of the record specified by the card key, and read in the process of step b2. The communication line 3 is connected to the CPU of the store terminal 1 having the store code. It transmits the processing code generated by the processing of the authenticity judgment result and the step b5 indicating that the card 4 is authentic and. In the subsequent processing, all communication between the CPU of the host computer 2 and the CPU of the store terminal 1 is performed based on the processing code described above, so that the customer's card that becomes important transaction data There is no need to disclose the number and PIN to the store.

  On the other hand, the CPU of the shop terminal 1 waiting for the input of the determination result from the host computer 2 detects the input of the determination result from the host computer 2 in the process of step a4, and then transmitted from the host computer 2. The authenticity determination result and the processing code are temporarily stored, and it is determined whether the authenticity determination result means authenticity or fake. Here, if the result of the authenticity determination means authenticity, the CPU of the store terminal 1 functioning as a part of the card use determination unit 1a allows the use of the card 4 and allows the manual data input device 6 to When a customer operates the manual data input device 6 to input a personal identification number, the CPU of the store terminal 1 that functions as a part of the credit settlement permission determination means 1b The processing code temporarily stored in the process of step a5 and the password detected in the process of step a7 are transmitted to the host computer 2 via the communication line 3, and a standby state is entered in which the determination result from the host computer 2 is awaited. Then, the processing code and the password transmitted from the CPU of the shop terminal 1 are detected by the host computer 2 functioning as a part of the customer authenticity determination means 2b by the determination process in step b9. The CPU of the host computer 2 that has detected this reads the personal identification number and processing code transmitted from the store terminal 1 and refers to the processing code field in each record of the database 7 and reads the processing code read in step b10. A record stored temporarily is obtained, and the code number stored in the record specified by the card key corresponding to the processing code is compared with the code number read in the process of step b10, and whether or not they match. Determine.

  When the determination result in step b12 becomes authentic in this way, the card key specified by the processing code read in the processing in step b10 by the CPU of the host computer 2 functioning as the host side credit settlement execution means 2c. Corresponding to the CPU of the store terminal 1 having the store code temporarily stored in the record, that is, the CPU of the store terminal 1 having the store code read in the process of step b10 through the communication line 3. The payment data is allowed to be transmitted and received, and the credit number is stored at the same time as the conventional method for the card number stored in the record corresponding to the card key specified by the processing code read in the processing of step b10. Execute payment processing.

  On the other hand, the authentication result transmitted from the CPU of the host computer 2 in the process of step b15 is executed by the CPU of the store terminal 1 having the store code read in the process of step b10 in the same manner as described above. Will be detected in the process.

  A problem to be solved by the present invention lies in providing a card name information leakage prevention system in a credit card system by improving the conventional system. That is, the problem to be solved by the present invention is that it is possible to completely and completely prevent card name information leakage even if a conventional credit card is used as it is.

  The present invention has been developed to solve the above-described problems. The card number and expiration date are stored on the card surface of the credit card system, and the card number and valid card of each member are stored on the card company database. In a management system that prevents information leakage of card names that correspond to deadlines, etc., the ID that the card member newly adds and sets as the member name display position on the credit card financial transaction voucher is set as the member name instead of the real name It is to provide a management system for preventing card name information leakage of a credit card, characterized by issuing and storing a card to be displayed and recorded, storing it, and improving security and privacy by the management system, and also preventing the above information leakage The card name in the management system encodes the card's gender, nationality, etc. It consists of an ID that replaces the person's name, which consists of the part to be shown and the name part used by the card member when using the card, and the card name is newly established for the card member instead of the real name when applying for a card or changing the card. The provision of a management system that prevents the leakage of card name information of credit cards, and the card issuing system in the information leakage prevention management system described above is a new card name embossed, magnetic card input, IC chip storage, or a combination thereof Information leakage of credit card card name that is displayed or memorized by the method so that exposure of the real name is unnecessary, and the card name is managed on a secure database to cooperate with information that identifies an individual with a name other than the real name Providing a management system for preventing Credit that returns data including the card name in the sales authorization result data when using the card in the information leakage prevention management system, and enhances the privacy protection and security of the card company without exposing the real name to the card merchant There is a management system to prevent card name information leakage of cards, and the information disclosure conditions at the time of card application in the above information leakage prevention management system are other than the usual credit card application items via the Internet, window, mail etc. Add the entry of the desired card name to the card member, enter the normal application information in the cardholder database, and register the CN at the same time as the regular credit card enrollment screening process. If you pass the entrance examination, the database If you do not pass it, enter NG if you do not pass it. If you pass the admission screening, make sure that the financial institution registers your account transfer. Card shipping data includes CN instead of real name. A management system that prevents the leakage of card name information of credit cards, which consists of sending the information to the card issuer and finally sending the card to the member-specified destination In addition, the usage condition when using the card in the information leakage prevention management system is that the card member store applies for the purchase of goods / services and presents a credit card for payment, and the clerk uses a card such as POS or CCT / CAT. Inserting information into the terminal, sending various information such as card number / expiration date, etc., as well as the amount and payment method of the store clerk Send the information to the issuing company via the network company to check the negative, and if it does not match the negative, check the sales in the member database and contact the card member store if a problem occurs. If there is no problem, check the possible amount of card usage. In the case of the above approval, add CN instead of the real name and return an approval number, NG, excess limit, etc. Providing a management system that prevents the leakage of credit card name information, which consists of passing a copy of the sales slip to the card user after requesting the signature on the sales slip and confirming whether it matches the signature on the front of the card is there. In the case of an IC card, the signature can be replaced with a password input by a member.

The present invention is a management system for preventing card name information leakage by storing a card number and an expiration date on the card surface of a credit card system and making the card number and expiration date associated with each member on a card company database. Issuing and storing a card for displaying and recording an ID that a card member newly adds and sets as a member name instead of a real name at a member name display position on a credit card financial transaction voucher, and the management system This is a management system that prevents the leakage of card name information of credit cards, which is characterized by improving security and privacy, and the card name in the information leakage prevention management system is encoded and displayed for the card's gender, nationality, etc. And the name part used by cardholders when using cards In the management system to prevent the leakage of the card name information of the credit card that is newly established in place of the real name at the time of card application or card change to the card member, comprising an ID instead of the person's name composed of Further, the card issuing system in the information leakage prevention management system displays or stores a new card name by any one of embossing, magnetic card input, IC chip storage, or a combination thereof, so that exposure of the real name is unnecessary. In the management system for preventing the information leakage of the card name of the credit card that manages the name on the secure database and cooperates with the information for identifying the individual with the name other than the real name, and in the information leakage prevention management system Sales authorization result data when using the card The credit card name information leaks to improve the protection of the card company's privacy and improve the sense of security without returning the real name to the card merchant and returning the real name to the card merchant. In addition to the usual credit card application entry items, the entry conditions for the card application in the information leakage prevention management system via the Internet, telephone, window, mail, etc., add to the card member database Enter the normal application information and register CN at the same time. In the process of regular credit card enrollment examination, refer to the Personal Credit Information Center with your real name and get a response. If you pass the enrollment examination, the database. If you do not pass it, enter NG and pass the entrance examination. If you do, please let the financial institution register the account transfer, send the card shipping data information including the CN instead of the real name to the card shipping data, and finally send the member designation to the member In the management system for preventing card name information leakage of the credit card according to claim 1, further comprising a use condition when using the card in the information leakage prevention management system, Apply for purchase of goods and services at card member stores, present credit card for payment, store clerk insert card into card terminal such as POS or CCT / CAT, card number / expiration date etc. at card terminal Sending various information and the clerk's investment amount and payment method, sending information to the issuing company via the network, and negative checking If there is a problem, check the sales in the member database and if there is a problem, contact the card member store to confirm the identity of the card. In the case of the approval, CN is added instead of the real name, and the approval number, NG, limit exceeded, etc. are returned, and the signature on the sales card is finally checked for the signature on the sales slip. Management to prevent card name information leakage of credit cards, which consists of handing over a copy of the sales slip to the card-using member later, and in the case of an IC card, the above-mentioned merchant can replace the PIN by the member. Since it is a system, it has many effects that cannot be obtained by the following conventional system.
A. According to the system of the present invention, since the card number and expiration date etc. are not written on the card surface of the card system, it is possible to prevent leakage of card name information even if the card of the conventional card system is used as it is. It is possible to provide a safe and reliable card name information leakage prevention system that could not be obtained by the system.
In addition, according to the system of the present invention, it is assumed that the card system such as an existing credit card is used in the authentication method, main transmission information, deposit information, personal information disclosure method, etc. A card name information leakage prevention system can be provided by simply using the number as it is and disclosing it to the supplier.
Further, if the system of the present invention is adopted in a card system such as a credit card, it is possible to provide a card name information leakage prevention system in a credit card system that can prevent information leakage of the card system.
D. As a more specific effect, since it is possible to conduct transactions that do not expose the real name to the card merchant when using the card, it can be expected to enhance the privacy protection and improve the sense of security of the card member, and the ID item By adding one new type, the possibility of misuse at the time of loss, forgery or theft can be reduced.
E. In order to avoid exposing the card's real name, the card's real name can also be used for identity verification. However, it is effective in preventing address information leakage and card fraud crimes by making delivery agency as part of new service and making address input unnecessary.

In addition, the system of the present invention can provide many effects as conventionally obtained.
a. In transaction using a card, customer specific data read from the card via the card data reading device provided in the store terminal of the store and the password entered by the customer via the manual data input device Since it is transferred to the host computer, the authenticity of the card and the customer is determined by the processing on the host computer side, and only the determination result is sent back to the store terminal to determine whether or not the credit card settlement can be executed. Even if the card is lost, counterfeited or stolen, there is no worry of the card member's real name information being stolen from the card itself.
b. Since the card name includes a part that displays the gender, nationality, etc., which is a card member's appearance, the card name is returned from the host computer when the card is used and displayed on the sales slip to forge the card itself.・ Even if the card is stolen or lost, the member store can check the card name displayed on the sales slip so that the user can verify whether the user is a valid card member. .
c, when the customer identification data is read from the card by the card data reader and transmitted to the host computer, the store code is also transmitted, and when the host computer receives the customer identification data and the store code, Since unique processing codes corresponding to customer specific data and store codes are generated and used for communication with store terminals, requests from multiple dealers and multiple customers can be received by a single host computer. It can be processed substantially in parallel.
d. In addition, it is possible to secure the database security at a high level by installing a host computer in the credit company cooperation customer management facility that manages and manages the data of a plurality of credit companies. Customer-specific card numbers and PINs are managed based on this, so card numbers and PINs issued by multiple credit companies can be centrally managed by a single host computer if there is no duplication in customer-specific data Can do.

  The embodiment of the present invention prevents the leakage of card name information by storing the card number and expiration date on the card surface of the credit card system and corresponding the card number and expiration date of the member on the card company database. In the management system, the card member who newly adds and sets the ID that the card member adds to the member name display position on the credit card financial transaction voucher is displayed and recorded as the member name instead of the real name, and is used and stored. The management system prevents the leakage of card name information of credit cards, which is characterized by improving security and privacy by the management system, so that the same effect as the conventional system can be obtained even if the conventional card is used. A safer and more secure card name information leakage prevention system than conventional systems It is.

  In the embodiment of the present invention, the card name in the information leakage prevention management system is a personal name composed of a part where the card's gender, nationality, etc. are coded and displayed, and a name part used when the card member uses the card. It consists of an alternative ID, and the card name is newly established in addition to the real name when a card is applied to a card member or when the card is changed. The card issuing system in the information leakage prevention management system embosses a new card name and inputs a magnetic card.・ Display or memorize by any one of the IC chip memory or a combination method thereof so that the exposure of the real name is unnecessary, and the card name is managed on a secure database to identify the individual with a name other than the real name It is designed to be linked, and the information leakage prevention management system When the card is used, the data including the card name is returned in the sales authorization result data and the real name is not exposed to the card merchant. It is possible to provide a credit card system that can provide many specific effects that cannot be obtained with this system.

  Furthermore, according to the embodiment of the present invention, the entry condition of a card application in the information leakage prevention management system adds a desired card name entry in addition to a normal credit card application entry item via the Internet, telephone, window, mail, etc. In addition to entering normal application information into the cardholder database, registering additional CNs at the same time, inquiring the personal credit information center with your real name during the regular credit card admission process, If the screening is passed, OK is entered into the database, while if it is not passed, NG is entered. If the screening is passed, the bank transfer data is registered with the financial institution. Send the ticketing data information including the card to the card issuer, and finally send the card to the address designated by the member for the member. The use conditions when using the card in the information leakage prevention management system are that the card member store applies for the purchase of goods / services and presents the credit card for payment, and the store clerk points the card to POS or Insert into card terminals such as CCT / CAT, send various information such as card number / expiration date, etc., and the amount and payment method of the store clerk at the card terminal, send information to the issuing company via the network company If there is a problem, check the sales in the member database. If there is a problem, contact the card merchant to confirm the identity. If there is no problem, use the card. Confirm the possible amount of payment, and in the case of the above approval, add CN instead of the real name and return the approval number, NG, excess limit, etc. Finally, it asks for the signature on the sales slip and confirms whether or not it matches the signature on the front of the card. However, it is possible to provide a safe and secure management system that is simpler than the conventional credit card management system.

  Hereinafter, the management system of the present invention will be described with reference to Table 1.

  Table 1 shows the credit card flow of the management system for preventing the leakage of the card name information in the credit card of the present invention, and displays when the card is applied and when the card is used. Since the basic credit card system is the same as the system shown in FIGS. 1 to 3, description of the basic configuration is omitted.

カード申込時の操作工程
表１のカード申込時におけるクレジットカードフローに基づいて説明する。
１．ネット経由で申込者は通常のクレジットカード申込の記入事項（住所・氏名（漢字・カタカナ・アルファ）・電話番号等）に加えて追加カードネーム（アルファベット・カタカタ）を追加記入する。
２．ＣＮ決定サーバーにてＣＮが他のＣＮと重複していた場合や禁止用語に該当していた場合において、前者の場合は代替候補を後者の場合にはその旨の案内と全く異なるＣＮ指定をするようなご案内を新規プロセス（オプション）する。
３．その場合の申込者は、指示されたＣＮ候補からの選択は別途ＣＮを指定する新規プロセス（オプション）を採用する。
４．ＣＮで決定したならば受付完了する新規プロセス（オプション）を採用する。
５．会員データベースに通常の申込情報を入力すると同時にＣＮを追加登録する。 ６．通常のクレジットカードの入会審査（社内ネガチェック等）を通常同様に行なう。 ７／８個人信用情報センターへ本名にて照会しその回答を通常同様に行なう。
９．入会審査をパスした場合はデータベースにＯＫ入力を通常同様に行なう。
１０．入会審査をパスできなかった場合にはＮＧを入力を正常同様に行なう。
１１／９の場合は、通常同様に金融機関に口座振替登録（口座振替依頼書が印鑑不鮮明・不一致等の理由で不可の場合、申込者に連絡して再手続き）をする。
１２．カード印刷業者に発券データ（エンボスまたは印字情報・エンコード情報・ＩＣチップ内情報）及び封入封緘と発券業者には送付先住所・氏名等の情報を送付する。その際、発券データには本名ではなくＣＮを含めるように変更する。
１３．会員指定の送付先宛カードを通常同様に発送する。
カード利用時の操作工程
１．商品・サービスの購買を申込み支払にカードを通常同様に提示する。
２．店員がカードをＰＯＳまたはＣＣＴ／ＣＡＴ等のカード端末に通常同様にインサートする。
３．端末にてカード番号・有効期限等の各種情報及び店員の打込金額・支払方法等が通常同様に送信される。
４．各ネットワーク会社を経て発行会社へ上記情報が仕向けられてネガチェックしてＮＧの場合はその旨を通常同様に折り返す。
５．ネガに該当しなかった場合、会員データベースにて異常売上の可能性をチェックし、問題がありそうなら（アクワイアラー経由）加盟店に連絡して本人確認を行い問題なければ利用可能額（＝与信限度額−その時点までの利用額）内かを通常同様にチェックする。その際の本人確認は本名でも可能である。
６／７／８承認の場合は本名の代わりにＣＮを付加して承認番号を変更返信する。その際のＮＧや限度額超過等の場合はその旨コードを返信する。
９．ＣＮが打ち出されたならば売上票の打ち出す。この際限度額超過センターへの電話連絡の指示があった場合は、その旨を電話する。なお、問い合わせ時にはＣＮで変更連絡する。
１０．売上票への署名を求め署名（および売上票とカードの会員氏名と）の一致を確認した後に控えを会員に通常同様に渡す。なお、ＩＣカードの場合は上記業者は会員による暗証番号入力に代えることができる。

Operation process at the time of card application It demonstrates based on the credit card flow at the time of card application of Table 1. FIG.
1. Applicant over the net additional card name (alphabet-rattling) in addition to the normal credit card application fill matters (address, name (kanji and katakana-alpha), telephone number, etc.) to add fill.
2. In the CN decision server, if the CN overlaps with other CNs or corresponds to prohibited terms, the alternative is specified in the former case, and the CN designation is completely different from the guidance in the latter case A new process (optional) for such guidance.
3. In this case, the applicant adopts a new process (option) for separately specifying a CN for selection from the instructed CN candidate.
4). If it is determined by CN, a new process (option) for completing acceptance is adopted.
5. At the same time that normal application information is entered into the member database, CN is additionally registered . 6). Regular credit card admission screening (in-house negative check, etc.) is performed as usual. Refer to the 7/8 Personal Credit Information Center with your real name and respond as usual.
9. If the admission screening is passed, OK entry is made to the database as usual.
10. If you cannot pass the admission screening, enter NG as you normally do.
In the case of 11/9, the account transfer registration is made with a financial institution in the same way as usual (if the account transfer request form is unsatisfactory due to unclear seal or mismatch, etc., the applicant will be contacted for re-procedure).
12 Ticket issuing data (embossed or printed information / encoded information / in-IC chip information) and encapsulated seal and information such as address and name are sent to the card issuer. At that time, the ticketing data is changed to include CN instead of the real name .
13. Ship the address card specified by the member as usual.
Operation steps when using the card Apply for the purchase of goods and services and present the card as usual for payment.
2. The store clerk inserts the card into a card terminal such as POS or CCT / CAT as usual.
3. Various information such as the card number and expiration date, and the sales amount of the clerk, the payment method, etc. are transmitted in the same manner as usual.
4). The above information is directed to the issuing company through each network company, and a negative check is made.
5. If there is no negative, check the possibility of abnormal sales in the member database, and if there is a problem (via the acquirer), contact the merchant to confirm the identity, and if there is no problem, the available amount (= credit) It is checked in the same way as usual whether it is within the limit amount-the amount of use up to that point). You can also verify your identity with your real name.
In the case of 6/7/8 approval, CN is added instead of the real name and the approval number is changed and returned. In the case of NG or exceeding the limit amount at that time, a code to that effect is returned.
9. If CN is launched, a sales slip is launched. At this time, if there is an instruction for telephone contact to the limit excess center, call to that effect. At the time of inquiry, a change notification is made by CN.
10. After requesting a signature on the sales slip and confirming that the signature (and the sales slip and the card member's name) match, the copy is given to the member as usual. In the case of an IC card, the above trader can replace the password input by the member.

In such an operation process, it is necessary to pay attention to the following points.
1. The credit card financial transaction voucher currently exposes the cardholder's real name.
2. In addition to the above, a card member is allowed to set a new name (hereinafter referred to as a card name) other than his / her real name when applying for a card (or when he / she wishes to change).
3. If the card name is other than the real name, a name (part), name (part), name, nickname, handle name, etc. is used.
4). In the card issuer's card issuing system, a new card name is embossed and entered into the magnetic code. In that case, exposure of the real name is unnecessary.
5. Card names are managed on a secure database so that real names and other personally identifying information can be linked.
6). When the card is used, data including the card name is returned in the sales approval result data. At this time, the card name can be displayed on the sales slip according to the specifications and settings of the terminal.

By using the present invention system configured as described above, the following business effects can be obtained.
1. Since it is possible to conduct transactions that do not expose the real name to the merchant when using the card, it can be expected to enhance the privacy protection and security of card members.
2. By adding a new type of ID item, the possibility of misuse at the time of loss or theft can be reduced.
3. Since it is not necessary to expose the real name on the card, the real name can also be used for identity verification when the card is stolen.
4). In particular, in mail order services, cardholder fraud crimes often involve addressee input other than the person's address, but address information leaks as the card issuer performs delivery as part of the new service and makes address input unnecessary. It is effective for prevention and card fraud crime prevention.

The general | schematic block diagram of the conventional system relevant to this invention system. The flowchart in the block diagram shown in FIG. The flowchart in the block diagram shown in FIG.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Store terminal 1a Card use determination means 1b Credit settlement determination means 1c Store-side credit settlement execution means 2 Host computer 2a Card authenticity determination means 2b Customer authentication determination means 2c Host-side credit settlement execution means 3 Communication line 4 Card 5 Card Data reading device 6 Manual data input device 7 Database

Claims (6)

In the management system that stores information such as the card number and expiration date on the card side of the credit card system and prevents the leakage of information on the card name that corresponds to the card number and expiration date of each member on the card company database. Issuing and storing a card that displays and records the ID that the card member newly adds and sets as the member's name instead of the real name at the member's name display position on the card for financial transactions on the card. A management system that prevents the leakage of credit card name information, characterized by improving privacy. The card name in the information leakage prevention management system of the preceding paragraph consists of an ID that replaces the person's full name consisting of a part that codes and displays the gender, nationality, etc. of the card and a part of the name that the card member uses when using the card, 2. The management system for preventing the leakage of card name information of a credit card according to claim 1, wherein the card name is newly established in place of a real name when a card member applies for a card or when a card is changed. The card issuing system in the information leakage prevention management system according to claim 1, wherein a new card name is displayed or stored by any one of embossing, magnetic card input, IC chip storage, or a combination thereof, and is input to a magnetic code. The information on the card name of the credit card according to claim 1 and 2, wherein the card name is managed on a secure database to cooperate with information for identifying an individual with a name other than the real name. Management system to prevent. The data leakage prevention management system according to claim 1 returns the data including the card name in the sales approval result data when using the card, and protects the card company's privacy without worrying about exposing the real name to the card member store. The management system which prevents card name information leakage of the credit card of Claim 1, 2, and 3 which improves feeling. The entry conditions for the card application in the information leakage prevention management system according to claim 1 are to add a desired card name in addition to the usual credit card application entry items via the Internet, telephone, window, mail, etc. Enter the normal application information into the cardholder database and register additional CNs at the same time. In the process of regular credit card enrollment screening, refer to the Personal Credit Information Center with your real name to obtain an answer. If you pass, enter OK in the database, but if you do not pass, enter NG, if you pass the admission examination, let the financial institution register the account transfer, and include the CN instead of the real name in the card shipping data Information on the issued ticket is sent to the card issuer, and finally the card is sent to the member's designated address. It management system to prevent the card name information leakage credit card according to claim 1 composed of,. The usage condition when using the card in the information leakage prevention management system according to claim 1 is that the card member store applies for purchase of goods / services and presents a credit card for payment, and the clerk presents the card with POS or CCT / CAT, etc. Insert information into the card terminal, send various information such as card number / expiration date, etc., and the amount of the clerk's placement / payment method, send information to the issuing company via the network company, and check the negative If there is a problem, check the member database for sales. If there is a problem, contact the card merchant to verify the identity of the card. Confirmation, in the case of the above approval, add CN instead of the real name and reply with the approval number, NG or over limit, etc. Passing the copy of the sales slip after confirming correspondence presence of the signature of the determined card surface name on the card using membership management system that prevents the card name information leakage credit card according to claim 1 composed of,.

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