Virtual Credit Card Data Processing System
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Solution Overview
Problem
Conventional e-commerce systems require users to undergo unnecessary procedures for obtaining and managing virtual credit card numbers, leading to increased workload for sellers and potential security risks.
Innovation Solution
A credit card information processing system that uses dummy data to replace actual credit card information during transactions, with a device to obtain and manage dummy data corresponding to actual credit card data, reducing the need for sellers to handle and manage actual credit card information.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If actual credit card numbers are forwarded to the shop, then the shop can process credit card transactions, but the shop needs to bear enormous human and economic costs incurred in the management of the credit card numbers
Solution Approach 1:
The patent introduces a virtual credit card number as an intermediary element that mediates between the user's actual credit card and the shop's processing system. The virtual card number allows the shop to process transactions without directly handling or storing sensitive actual credit card information, thereby reducing management complexity and security burden while maintaining transaction reliability
Solution Approach 2:
The patent creates a copy (virtual credit card number) of the actual credit card information that serves the same functional purpose for transaction processing. This copy can be used by the shop without requiring them to manage the original sensitive data, reducing both human and economic costs associated with credit card number management
2Ease of operation
If an intermediary settlement system issues a virtual card number to a user in advance, then settlement can be performed based on the virtual card number, but users need to go through unnecessary procedures of applying for and managing virtual card numbers
Solution Approach 1:
The patent enables the user terminal to automatically generate its own virtual credit card number without requiring external issuance procedures. This self-service approach eliminates the need for users to apply for virtual card numbers through intermediary systems, reducing procedural complexity while maintaining ease of settlement operations
Solution Approach 2:
The patent performs the virtual card number generation action preliminarily within the user terminal before the actual transaction occurs. By preparing the virtual card number in advance at the user end rather than requiring external issuance, the system simplifies the user workflow while maintaining settlement functionality
Data Source
AI summary
A seller's workload of managing credit card information can be reduced without changing convenience for an orderer and the seller in a transaction using a credit card. A virtual mall server (3) and a credit card server (5) share conversion information for obtaining, from actual data of the credit card, corresponding dummy data of the credit card. The virtual mall server (3) obtains, based on the conversion information, the corresponding dummy data from the actual data of the credit card to be used for a settlement of the order information, and sends the obtained dummy data to a shop terminal as data of the credit card to be used for the settlement of the order information. Upon receiving, from the shop terminal, a predetermined card processing request based on the dummy data, the credit card server (5) obtains, based on the conversion information, the corresponding actual data from the dummy data of the credit card, and performs the predetermined card processing based on the obtained actual data of the credit card.