JP2017151881A - Information processing device, settlement system, and settlement method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To solve the problem that it is difficult for a device different from an information processing device that performs settlement procedures to associate user information with identification information.SOLUTION: An information processing device comprises: a partial information acquisition unit for receiving partial information that lacks part of identification information including a plurality of characters; a transmission unit for transmitting the partial information to another information processing device that performs settlement procedures; and a storage unit for storing the partial information in association with user information.SELECTED DRAWING: Figure 1

Description

  The present disclosure relates to an information processing apparatus, a payment system, and a payment method.

  In recent years, an increasing number of users use Internet sales for selling products via the Internet. In Internet sales, there is a case where settlement relating to payment of a commodity price is performed via a web page. In addition, a credit card may be used for the settlement related to the Internet sales.

  In Internet sales, a merchant that conducts sales sometimes receives identification information such as a credit card number from a user terminal and makes a payment. However, it is preferable that member stores do not handle credit card number information from the viewpoint of customer information protection, and the following documents are disclosed regarding this problem.

  Patent Documents 1 and 2 disclose a settlement system for Internet sales. In the system disclosed in Patent Document 1, it is disclosed that a user terminal transmits a credit card number to a terminal of a financial institution that performs a settlement procedure. Further, the system disclosed in Patent Document 2 discloses a system in which a user device receives a part of a credit card number from a credit card company that performs a settlement procedure, and a user inputs the remaining part.

JP 2001-184413 A JP 2002-24719 A

  In the systems disclosed in Patent Documents 1 and 2 described above, the member store may not receive identification information such as a credit card. On the other hand, since the member store does not receive the identification information, it is difficult to store the user information and the identification information in association with each other.

  Therefore, the present disclosure has been made in view of the above problems, and the object of the present disclosure is to store user information and identification information in association with another device different from the information processing device that performs payment. An object of the present invention is to provide a new and improved information processing apparatus.

  In order to solve the above problem, according to an aspect of the present disclosure, a partial information acquisition unit that receives partial information in which a part of identification information including a plurality of characters is missing and another information processing apparatus that performs a settlement procedure are provided. An information processing apparatus is provided that includes a transmission unit that transmits the partial information and a storage unit that stores the partial information in association with user information.

  In order to solve the above problem, according to another aspect of the present disclosure, the partial information is randomly selected from the identification information.

  Moreover, in order to solve the said subject, according to another viewpoint of this indication, the said identification information is a credit card number.

  Moreover, in order to solve the said subject, according to another viewpoint of this indication, the said partial information contains the issuer identification number which identifies the issuer of a card | curd.

  In order to solve the above problem, according to another aspect of the present disclosure, the partial information includes the last four digits including a check digit.

  Moreover, in order to solve the said subject, according to another viewpoint of this indication, the token production | generation part which inserts a character into missing parts other than the said partial information, and produces | generates a token is further provided.

  Moreover, in order to solve the said subject, according to another viewpoint of this indication, the character inserted in the said missing part is selected at random.

  Moreover, in order to solve the said subject, according to another viewpoint of this indication, the same character is selected as the character inserted in the said missing part.

  In order to solve the above-described problem, according to another aspect of the present disclosure, a reception unit that receives partial information from which part of identification information including a plurality of characters is missing from another information processing apparatus, and the identification Provided is an information processing apparatus comprising: a complete information acquisition unit that receives characters other than the partial information of information and acquires complete information of the identification information; and a payment unit that performs a payment procedure based on the acquired complete information .

  In order to solve the above-described problem, according to another aspect of the present disclosure, a payment system including a first information processing device and a second information processing device, the first information processing device A partial information acquisition unit that receives partial information in which a part of identification information including a plurality of characters is missing, a transmission unit that transmits the partial information to the second information processing apparatus, and the partial information as user information A storage unit that stores the information in association with the second information processing device, the second information processing device receiving the partial information from the first information processing device, and a character other than the partial information in the identification information. A payment system is provided that includes a complete information acquisition unit that receives and acquires complete information of the identification information, and a payment unit that performs a payment procedure based on the acquired complete information.

  In order to solve the above problem, according to another aspect of the present disclosure, in the first information processing apparatus, receiving partial information in which a part of identification information including a plurality of characters is missing; Storing the partial information in association with user information in one information processing apparatus, and receiving characters other than the partial information in the identification information and obtaining complete information in the identification information in the second information processing apparatus And a settlement method including performing a settlement procedure based on the acquired complete information in the second information processing apparatus.

  As described above, according to the present disclosure, user information and identification information are stored in association with each other in an apparatus different from the information processing apparatus that performs payment.

FIG. 1 is a diagram schematically showing the configuration of the settlement system of the present invention. FIG. 2 is a diagram showing the configuration of the credit card number. FIG. 3 is a diagram showing an example of payment processing in another payment system which is a comparative example with the payment system of the present invention. FIG. 4 is a block diagram showing an example of the configuration of the sales management server according to the present invention. FIG. 5 is a block diagram showing an example of the configuration of the credit server according to the present invention. FIG. 6 is a diagram showing an example of a payment process in the payment system according to the present invention. FIG. 7 is a diagram showing an example of a card information input screen generated by the sales management server of the present invention. FIG. 8 is a diagram showing an example of a card information input screen generated by the credit server of the present invention. FIG. 9 is a diagram illustrating an example of a password information input screen generated by the card issuing company server. FIG. 10 is a diagram showing an example of a table stored in the storage unit of the sales management server of the present invention.

  Hereinafter, preferred embodiments of the present disclosure will be described in detail with reference to the accompanying drawings. In addition, in this specification and drawing, about the component which has the substantially same function structure, duplication description is abbreviate | omitted by attaching | subjecting the same code | symbol.

<1. Configuration of Payment System of the Present Invention>
FIG. 1 is a diagram showing the configuration of the settlement system of the present invention. The settlement system in FIG. 1 includes a user terminal 100, a sales management server 200, a credit server 300, and a card issuing company server 400. In the following, a payment system using a credit card will be described as an example of the payment system. The sales management server 200, the credit server 300, and the card issuing company server 400 are examples of information processing apparatuses that perform information processing.

  The user terminal 100 includes a web browser, and the user terminal 100 can connect to a website on the Internet using the web browser. The user can access a product sales site (virtual store) on the Internet using the user terminal 100 and can purchase a product on the product sales site. As shown in FIG. 1, the user terminal 100 includes a communication device such as a portable terminal such as a smartphone and a personal computer including a notebook type.

  The sales management server 200 provides a product sales site for selling products on the Internet. The sales management server 200 transmits product sales site information to the user terminal 100 in response to access from the user terminal 100. In addition, the sales management server 200 performs a product sales process in response to a purchase instruction from the user terminal 100. Further, the sales management server 200 may perform a shipping process for shipping a product based on information (such as an address where the product is shipped) transmitted from the user terminal 100.

  In addition, the sales management server 200 may store user information and information related to products purchased by the user in association with each other. The user information stored in the sales management server 200 includes, for example, the user's name and address. The information related to the product purchased by the user includes the product name, purchase date, shipping date, and the like. The sales management server 200 may be composed of two servers: a web server that provides a product sales site and a management server that performs product management or sales management.

  The credit server 300 belongs to a settlement agency that performs settlement for a plurality of credit card issuing companies. The credit server 300 performs a settlement process by communicating with the sales management server 200 and the card issuing company server 400.

  The card issuing company server 400 belongs to an issuing company that issues credit cards. The card issuing company server 400 stores user information and information related to credit cards owned by the user in association with each other. Further, the card issuing company server 400 provides the credit server 300 with information used in the settlement process by communicating with the credit server 300.

  The user information stored in the card issuing company server 400 includes, for example, the user's name, address, annual income, family structure, and the like. The information regarding the credit card owned by the user includes a credit card number, a security code, a password set in advance by the user, and the like.

  FIG. 2 is a diagram illustrating an example of a credit card number. Generally, a credit card number is composed of 14 to 16 digits, and FIG. 2 shows a credit card number composed of 16 digits. The credit card number is an example of identification information that identifies specific information. The number is an example of a character. In the present disclosure, the character includes a number, an alphabetic character, and a symbol, but is not limited thereto.

  The first six digits of the credit card number shown in FIG. 2 are an issuer identification number. The issuer identification number is used to indicate a card brand and a card issuer. The first digit of the issuer identification number is the main industry identification number. The main industry identification number is assigned by the industry to which the card issuer belongs. For example, the main industry identification number “1” indicates the aviation industry, and the main industry identification number “4” indicates the bank / financial industry.

  The next nine digits of the issuer identification number are the account identification number. The account identification number is used to identify a credit card member. The last digit is a check digit. The check digit is used to confirm whether or not the credit card number is correct by a predetermined algorithm.

<2. Processing in Payment System as Comparative Example with Payment System of the Present Invention>
The configuration of the payment system of the present invention has been described above. Below, in order to show the characteristic of this invention, the process example of each apparatus in the other payment system which is a comparative example with the payment system of this invention is demonstrated. FIG. 3 is a diagram showing an example of processing in another payment system which is a comparative example with the payment system of the present invention. The settlement process shown in FIG. 3 is performed, for example, when a user purchases a product using Internet sales.

  First, in S100, when the user intends to purchase a product through Internet sales, the sales management server 201 transmits an input screen for inputting the user's credit card number to the user terminal 100. At this time, the input screen may be configured such that the expiration date of the credit card is input in addition to the credit card number. In S <b> 102, the user inputs a credit card number by operating the operation unit of the user terminal 100 on the card number input screen displayed on the user terminal 100.

  In S <b> 104, the user terminal 100 transmits the credit card number input by the user to the sales management server 201. The sales management server 201 that has received the credit card number from the user terminal 100 transmits the credit card number received in S106 to the credit server 301 by redirection. Here, redirection is a process of automatically transferring designated information to another terminal.

  In S108, the credit server 301 receives the credit card number from the sales management server 201 and acquires it. In S110, the credit server 301 transmits the acquired credit card number to the card issuing company server 400 and makes an authentication inquiry.

  Upon receiving the authentication inquiry from the credit server 301, the card issuing company server 400 transmits an input screen for inputting a password to the user terminal 100 in S112. Next, in S <b> 114, the user inputs a password using the user terminal 100. Here, the password input in S114 is a password set in advance for the credit card by the user. The password is composed of a plurality of characters including alphanumeric characters.

  In S <b> 116, the user terminal 100 transmits the input password to the card issuing company server 400. The card issuing company server 400 that has received the password from the user terminal 100 performs authentication based on the credit card number and password stored in the card issuing company server 400 and the received credit card number and password.

  In S <b> 118, the card issuing company server 400 that has performed authentication transmits the authentication result to the credit server 301. In S <b> 120, the credit server 301 that has received the authentication result performs settlement based on the authentication result received from the card issuing company server 400. The settlement is performed, for example, by performing credit processing for determining credit card credit and then performing sales confirmation processing.

  In S122, the credit server 301 transmits the settlement information to the sales management server 201. In S <b> 124, the sales management server 201 that has received the settlement information performs merchandise shipping processing. At this time, the sales management server 201 may be configured to store information related to the user and information related to the product purchased by the user in association with each other.

  The settlement system in which the user inputs all credit card numbers on the input screen provided by the sales management server 201 has been described above. In the settlement system described above, since the sales management server 201 transfers the credit card number input by the user to the credit server 301 in S106 of FIG. 3, the sales management server 201 does not store the credit card number. This is because the credit card number is information protected by high security.

  Hereinafter, a settlement system according to the present invention in which a part of a credit card number is stored in the sales management server 200 will be described. In this payment system, since the sales management server 200 stores a part of the credit card number, even the sales management server 200 having no advanced security means can store the credit card information. Therefore, when the user refers to the usage history, the sales management server 200 can provide the user with information on the credit card number used by the user. Further, since the sales management server 200 stores a part of the credit card number, it does not have to have a high security means. Hereinafter, the configuration of the sales management server 200 and the credit server 300 used in this system will be described.

<3. Configuration of Payment System of the Present Invention>
FIG. 4 is a block diagram showing the configuration of the sales management server 200 used in the settlement system of the present invention. The sales management server 200 of the settlement system of the present invention includes a communication unit 202, a processing unit 204, and a storage unit 206. The processing unit 204 includes a web screen generation unit 208, a partial number acquisition unit 210, and a token generation unit 212.

  The communication unit 202 is used to communicate with other information processing apparatuses such as the user terminal 100 and the credit server 300 via the network. The storage unit 206 stores product information, information on the web screen, user information, a partial number of a credit card number described below, and the like.

  The processing unit 204 processes various information in cooperation with the communication unit 202 and the storage unit 206. The web screen generation unit 208 reads data for creating a web screen from the storage unit 206, and generates web screen data in a computer language such as HTML (Hyper Text Markup Language) or XML (Extensible Markup Language).

  The partial number acquisition unit 210 acquires a part of the credit card number input by the user using the user terminal 100 via the input screen based on the data generated by the web screen generation unit 208. The partial number acquired by the partial number acquisition unit 210 is a number in which some information of the credit card number is missing. The credit card number is an example of identification information for identifying specific information, and the partial number is an example of partial information in which a part of the identification information is missing.

  The position of the digit of the partial number may be determined in advance or may be selected at random. For example, the partial number may be a number including the issuer identification number (the first six digits in FIG. 2) or the last four digits including the check digit. When the position of the digit of the partial number is selected at random, the first, third, fifth, seventh, ninth, eleventh, thirteenth, and fifteenth digits may be selected as the partial number. Further, when the position of the digit of the partial number is selected at random, the first, second, fifth, eighth, thirteenth, and fifteenth digits may be selected as the partial number. As will be appreciated, the number of digits in the part number may vary between 1 and 15 digits. Thus, by changing the number of digits of the partial number and the position of the digits, the system can be made flexible.

  The token generation unit 212 generates a token by inserting an appropriate number into a portion where the partial number acquired by the partial number acquisition unit 210 is missing. Thus, by inserting an appropriate number in the missing part, the data type does not need to be changed in the system, and compatibility with the existing system is maintained.

  When the token generation unit 212 inserts an appropriate number in the missing part of the part number, the token generation unit 212 may randomly select a number and insert the randomly selected number into the missing part. Further, the token generation unit 212 may insert the same number into the missing part. For example, the token generation unit 212 may insert “0” into all the missing parts. Thus, by randomly inserting numbers or the same numbers that are not related to the original data into the missing part, it is difficult to restore the original data.

  The configuration of the sales management server 200 has been described above. Below, the structure of the credit server 300 used with the payment system of this invention is demonstrated. FIG. 5 is a block diagram showing the configuration of the credit server 300 used in the payment system using the partial number.

  The credit server 300 includes a communication unit 302 and a processing unit 304. The processing unit 304 includes a partial number specifying unit 306, a web screen generation unit 308, a complete number acquisition unit 310, an authentication result acquisition unit 312, and a settlement unit 314. The communication unit 302 communicates with the user terminal 100, the sales management server 200, and the card issuing company server 400, and transmits and receives various types of information.

  The processing unit 304 processes various information in cooperation with the communication unit 302. The part number specifying unit 306 specifies the part number of the credit card number from the token generated by the sales management server 200. The web screen generation unit 308 generates an input screen for inputting a missing part other than the part number specified by the part number specifying unit 306.

  The complete number acquisition unit 310 acquires the complete number of the credit card number input by the user using the user terminal 100 via the input screen created by the web screen generation unit 308. The full number is a number including all information of the credit card number. That is, when the credit card number is composed of 16 digits, the number includes information on all 16 digits. The complete number is an example of complete information including all information of the identification information.

  The authentication result acquisition unit 312 acquires the authentication result obtained by the card issuing company server 400 performing authentication based on the complete number acquired by the complete number acquisition unit 310. The settlement unit 314 performs settlement based on the authentication result acquired by the authentication result acquisition unit 312.

  The configuration of the sales management server 200 and the credit server 300 used in the payment system using the partial number has been described above. Below, the process of the payment system using a partial number is demonstrated. FIG. 6 is a diagram illustrating processing of the payment system in which the partial number is used.

<4. Processing in Payment System of the Present Invention>
In S <b> 200, the sales management server 200 transmits an input screen for inputting a partial number of the credit card number to the user terminal 100. The input screen transmitted here is, for example, an input screen as will be described later with reference to FIG. Next, in S <b> 202, the user inputs a credit card number by operating the operation unit of the user terminal 100 on the input screen displayed on the user terminal 100. The credit card number input here is a partial number in which some information of the credit card number is missing.

  In step S <b> 204, the user terminal 100 transmits the credit card partial number input by the user to the sales management server 200. Upon receiving the credit card partial number from the user terminal 100, the sales management server 200 inserts a meaningless number in the missing portion of the credit card number in S206. In S206, the sales management server 200 generates a token using a number in which a meaningless number is inserted in a portion where a credit card number is missing.

  Next, in S208, the sales management server 200 transmits the token to the user terminal 100, and the user terminal 100 that has received the token transmits the token to the credit server 300 in S210. In S212, the credit server 300 receives the token from the user terminal 100, and identifies the credit card partial number from the received token.

  Here, the partial number may be specified by designating a digit in which the partial number is input in advance. The partial number may be specified by including an identifier indicating the number of the partial number in the token. For example, the first to sixth digits and the thirteenth to sixteenth digits may be designated as partial numbers in advance, and an identifier indicating that the first to sixth digits and the thirteenth to sixteenth digits are partial numbers is included in the token. May be included. Further, the identifier may not be included in the token but may be transmitted together with the token. If an identifier is used to identify the part number, the position of the part number can be changed and the system can be flexible.

  Next, in S214, the credit server 300 transmits to the user terminal 100 an input screen for inputting a missing part, which will be described later with reference to FIG. Next, in S <b> 216, the user inputs the missing portion of the credit card number by operating the operation unit of the user terminal 100 on the input screen displayed on the user terminal 100.

  In S218, the user terminal 100 transmits the complete number of the credit card number in which the missing part is input to the credit server 300. In S220, the credit server 300 acquires the complete number, and in S222, the credit server 300 transmits the acquired complete number to the card issuing company server 400 to make an authentication inquiry.

  Upon receiving the authentication inquiry from the credit server 300, the card issuing company server 400 transmits to the user terminal 100 an input screen for inputting a password as shown in FIG. In S <b> 226, the user inputs a password using the user terminal 100.

  In step S <b> 228, the user terminal 100 transmits the input password to the card issuing company server 400. The card issuing company server 400 that has received the password from the user terminal 100 performs authentication, and the card issuing company server 400 transmits the authentication result to the credit server 300 in S230.

  In S232, the credit server 300 that has received the authentication result makes a payment based on the authentication result received from the card issuing company server 400. In S234, the credit server 300 transmits the settlement information to the sales management server 200.

  In S <b> 236, the sales management server 200 that has received the settlement information performs merchandise shipping processing. Further, as will be described later with reference to FIG. 10, the sales management server 200 stores a use history in which information about a user, information about a product purchased by the user, and information on a credit card number are associated.

  As described above, in the payment system in which the partial number is used, the sales management server 200 stores the partial number of the credit card number. As described above, the sales management server 200 stores the partial number of the credit card number, so that the sales management server 200 can store information on the credit card without having high security. As a result, the sales management server 200 can provide the user with information (partial number) related to the credit card used by the user. In addition, the user can confirm the partial number provided to confirm which credit card was used.

<5. Example of input screen configuration>
The processing in the payment system using the partial number has been described above. Below, each input screen displayed on the user terminal 100 in the payment system using a partial number is demonstrated.

  FIG. 7 is a diagram showing an example of an input screen for inputting a partial number displayed on the user terminal 100 in S202 of FIG. When a user attempts to purchase a product using credit card payment, an input screen for inputting a credit card number and an expiration date of the credit card is displayed.

  In the input screen shown in FIG. 7, in the column for inputting a credit card number, the numbers from the first digit to the sixth digit are displayed so that the user can input them. Similarly, the numbers from the 13th digit to the 16th digit are displayed so that the user can input them. On the other hand, the 7th to 12th digits are displayed so that the user cannot input them. For example, a predetermined symbol may be displayed instead to indicate that the 7th to 12th digit numbers cannot be input.

  Also, the input screen shown in FIG. 7 may be displayed so that the expiration date of the credit card can be input. The user inputs numbers from the first digit to the sixth digit and from the 13th digit to the 16th digit of the credit card number on the input screen shown in FIG. Further, the user inputs the expiration date of the credit card number. The user inputs a part of the credit card number (that is, a partial number) and an expiration date, and then presses a “confirm order” button. As a result, the credit card partial number is transmitted from the user terminal 100 to the sales management server 200 as shown in S204 of FIG.

  Next, an input screen displayed on the user terminal 100 in S216 of FIG. 6 will be described. FIG. 8 is a diagram showing an example of an input screen for inputting the missing portion of the credit card number displayed on the user terminal 100 in S216 of FIG.

  As described with reference to FIG. 7, the user inputs a partial number of the credit card number in S202 of FIG. Therefore, on the input screen shown in FIG. 8, a part of the credit card number and the expiration date entered by the user on the input screen of FIG. 7 are displayed. That is, it can be seen that the user has input “012345” from the first digit to the sixth digit of the credit card number and “2345” from the 13th digit to the 16th digit on the input screen of FIG. In addition, in the input screen of FIG. 8, these input data may be locked so that it cannot be changed.

  In the input screen shown in FIG. 8, the remaining portion of the credit card number that the user did not input on the input screen in FIG. 7 is input. That is, the user inputs numbers from the seventh digit to the twelfth digit of the credit card number. The user presses the “OK” button after inputting the 7th to 12th digits of the credit card number. As a result, the complete number including all the credit card numbers is transmitted from the user terminal 100 to the credit server 300 as shown in S218 of FIG.

  Next, an input screen displayed on the user terminal 100 in S226 of FIG. 6 will be described. FIG. 9 is a diagram showing an example of an input screen for inputting a password associated with a credit card displayed on the user terminal 100 in S226 of FIG.

  As described with reference to FIG. 8, the user inputs the missing portion of the credit card number in S216 of FIG. Therefore, on the input screen shown in FIG. 9, all credit card numbers (that is, complete numbers) and expiration dates are displayed. That is, it can be seen that the user has input “678901” from the seventh digit to the twelfth digit of the credit card number on the input screen of FIG.

  In the input screen shown in FIG. 9, the user inputs a password set in advance in association with a credit card. After entering the password, the user presses the “OK” button. As a result, the password is transmitted from the user terminal 100 to the card issuing company server 400 as shown in S228 of FIG.

<6. Table stored in sales management server>
In the above, the input screen in each process of the payment system using the partial number has been described. Below, the table memorize | stored in the memory | storage part 206 of the sales management server 200 is demonstrated. FIG. 10 is a diagram illustrating an example of a table stored in the storage unit 206 of the sales management server 200.

  As shown in S236 of FIG. 6, the sales management server 200 stores the usage history in which the information about the user, the information about the product purchased by the user, and the credit card number are associated when the settlement is completed. For example, the usage history stored in the sales management server 200 includes “user name”, “use date”, “product name”, “shipping date”, and “credit card number” as shown in FIG.

  Here, the credit card number stored in the sales management server 200 is a partial number of the credit card number described above. As described above, the sales management server 200 stores the partial number of the credit card number, so that when the user confirms the usage history, the sales management server 200 can provide information on the credit card used by the user. Further, since the credit card number stored in the sales management server 200 is a partial number that is a part of the credit card number, it is allowed to be stored in the sales management server 200 that does not have high security. As a result, the sales management server 200 stores only a partial number that is a part of information of the credit card number, but the user refers to the stored partial number to use which credit card in the past transaction. You can check if you did.

  As described above, the first to sixth digits in the credit card number are used as identification information for identifying the card issuer. Therefore, the sales management server 200 stores the identification number for identifying the issuer as the partial number, so that the user can easily determine which credit card is used.

  Further, the sales management server 200 may present the stored partial number to the user when the user purchases the product again, and the user may select the presented partial number. For example, on the input screen shown in FIG. 7, the partial number of the credit card number used by the user last time may be displayed. In this case, the user selects the displayed part number and presses the order confirmation button. By configuring the system in this way, the user can purchase products by a simpler method.

<7. Supplement>
In the above, the settlement process using a credit card has been described. However, the processing of the payment system described above may be applied to a payment system using a cash card or a point card. At this time, the characters included in the identification information may include not only numbers but also symbols, alphabetic characters, katakana, hiragana, and the like.

  Moreover, the payment system mentioned above may be comprised so that a security code may be input further. The security code of the credit card is a number written on the credit card. By using the security code, it is possible to prevent the credit card from being misused by a user who does not actually have the credit card.

  In this case, for example, in the input screen shown in FIG. 8, a field for inputting a security code may be further provided. The input security code is finally sent to the card issuing server 400. Then, the card issuing company server 400 may perform a credit card authentication process using a security code.

  Note that the series of processes described in this specification may be realized by a program configured to cause the processing units 204 and 304 to perform the above-described processes. For example, the program is stored in advance in a storage medium (non-transitory media) provided inside or outside each device. Each program is read into a RAM at the time of execution, for example, and executed by a processor such as a CPU.

  The preferred embodiments of the present disclosure have been described in detail above with reference to the accompanying drawings, but the present disclosure is not limited to such examples. It is obvious that a person having ordinary knowledge in the technical field to which the present disclosure belongs can come up with various changes or modifications within the scope of the technical idea described in the claims. Of course, it is understood that these also belong to the technical scope of the present disclosure.

  The present disclosure can be applied to an information processing apparatus.

100 User terminal 200, 201 Sales management server 202 Communication unit 204 Processing unit 206 Storage unit 208 Web screen generation unit 210 Partial number acquisition unit 212 Token generation unit 300, 301 Credit server 302 Communication unit 304 Processing unit 306 Partial number identification unit 308 Web Screen generation unit 310 Complete number acquisition unit 312 Authentication result acquisition unit 314 Settlement unit 400 Card issuing company server

Claims (11)

A partial information acquisition unit that receives partial information in which a part of identification information including a plurality of characters is missing;
A transmission unit that transmits the partial information to another information processing apparatus that performs a settlement procedure;
An information processing apparatus comprising: a storage unit that stores the partial information in association with user information.   The information processing apparatus according to claim 1, wherein the partial information is randomly selected from the identification information.   The information processing apparatus according to claim 1, wherein the identification information is a credit card number.   The information processing apparatus according to claim 2, wherein the partial information includes an issuer identification number that identifies an issuer of a card.   The information processing apparatus according to claim 3 or 4, wherein the partial information includes the last four digits including a check digit.   The information processing apparatus according to claim 1, further comprising: a token generation unit that inserts a character into a missing part other than the partial information to generate a token.   The information processing apparatus according to claim 6, wherein characters inserted into the missing portion are selected at random.   The information processing apparatus according to claim 6, wherein the same character is selected as the character inserted into the missing part. A receiving unit that receives, from another information processing apparatus, partial information in which a part of identification information including a plurality of characters is missing;
A complete information acquisition unit that receives characters other than the partial information of the identification information and acquires complete information of the identification information;
An information processing apparatus comprising: a settlement unit that performs a settlement procedure based on the acquired complete information. A payment system including a first information processing device and a second information processing device,
The first information processing apparatus includes:
A partial information acquisition unit that receives partial information in which a part of identification information including a plurality of characters is missing;
A transmission unit for transmitting the partial information to the second information processing apparatus;
A storage unit for storing the partial information in association with user information,
The second information processing apparatus
A receiving unit that receives the partial information from the first information processing apparatus;
A complete information acquisition unit that receives characters other than the partial information of the identification information and acquires complete information of the identification information;
A payment system comprising: a payment unit that performs a payment procedure based on the acquired complete information. In the first information processing apparatus, receiving partial information in which a part of identification information including a plurality of characters is missing;
Storing the partial information in association with user information in the first information processing apparatus;
In the second information processing apparatus, receiving characters other than the partial information of the identification information, obtaining complete information of the identification information;
A payment method comprising: performing a payment procedure based on the acquired complete information in the second information processing apparatus.

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