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1. 发明专利

JP2007323249A Settlement system 审中-公开
标题翻译：结算系统
公开(公告)号：JP2007323249A
公开(公告)日：2007-12-13
申请号：JP2006151159
申请日：2006-05-31
申请人： Isi Corp , 株式会社アイエスアイ
发明人： RYU SHINICHIRO
IPC分类号： G06K7/00 , G06K19/07 , G06K19/10 , G06Q10/00 , G06Q20/00 , G06Q20/32 , G06Q20/40 , G06Q20/42 , G06Q40/00 , G06Q40/02 , G06Q50/00 , H04L9/32
摘要： PROBLEM TO BE SOLVED: To provide a settlement system capable of performing settlement with high security without taking time and labor. SOLUTION: This portable telephone 1 for a user displays information to be used for identifying the user on a picture 1a as a QR code. A portable telephone 2 for a store reads the QR code from the portable telephone 1 for the user, and transmits QR code information QD and store side protection information A21 stored in a store side storage means 22 to a credit company side server 3, and receives information to be transmitted from the credit company side server 3, and displays the information on the picture 2a. The credit company side server 3 decides whether or not the received QR code information QD and the store side protection information A21 are matched with information stored in a company side storage means 32 by comparing them, and when they are matched, the credit company side server 3 transmits face picture data FP with result information R to the portable telephone 2 for the store. COPYRIGHT: (C)2008,JPO&INPIT
摘要翻译：要解决的问题：提供能够以高安全性进行结算的结算系统，而不需要时间和劳动。解决方案：用于用户的便携式电话机1显示要用于将照片1a上的用户识别为QR码的信息。用于商店的便携式电话机2从用户的便携式电话1读取QR码，并将存储在商店侧存储装置22中的QR码信息QD和存储侧保护信息A21发送到信用公司侧服务器3，并且接收从信用公司侧服务器3发送的信息，并将该信息显示在图片2a上。信用公司侧服务器3通过比较它们来确定接收的QR码信息QD和店面保护信息A21是否与存储在公司侧存储装置32中的信息相匹配，并且当它们匹配时，信用公司侧服务器 3将具有结果信息R的面部图像数据FP发送到用于商店的便携式电话机2。版权所有（C）2008，JPO＆INPIT

2. 发明专利

JP2017084407A 電子マネー送金方法およびそのシステム有权
公开(公告)号：JP2017084407A
公开(公告)日：2017-05-18
申请号：JP2017007150
申请日：2017-01-19
申请人：株式会社アイエスアイ , Isi Corp
发明人： SATO MOTONORI
IPC分类号： G06Q20/38
CPC分类号： G06Q20/10 , G06Q20/065 , G06Q20/0658 , G06Q20/105 , G06Q20/3223 , G06Q20/367 , G06Q20/38215 , G06Q2220/00
摘要：【課題】電子マネーを現金に極めて近い感覚で取り扱うことを可能とし、しかも電子マネーを操作するための端末の紛失時や盗難時においても電子マネーを失わずに済む電子マネー送金方法およびそのシステムを提供する。【解決手段】先ず、ユーザAの端末Aの電子証明書の情報がユーザBの端末Bから電子マネー管理サーバ300に送られ、端末Bの電子証明書の情報が、端末Aから電子マネー管理サーバ300に送られる。これにより、取引を行おうとしている端末が認証される。そして、各端末A、Bから電子マネーの送受金の要求が電子マネー管理サーバ300に送信され、その要求に基づいて電子マネー管理サーバ300内のユーザAの口座からユーザBの口座に電子マネーを移動する。【選択図】図1

3. 发明专利

JP2013114495A Electronic money management server, electronic money settlement processing method, and cash payout processing method 有权
标题翻译：电子货币管理服务器，电子货币结算处理方法和现金支付处理方法
公开(公告)号：JP2013114495A
公开(公告)日：2013-06-10
申请号：JP2011260759
申请日：2011-11-29
申请人： Isi Corp , 株式会社アイエスアイ
发明人： SATO MOTONORI
IPC分类号： G06Q20/06 , G06K17/00 , G06Q10/00
摘要： PROBLEM TO BE SOLVED: To provide an electronic money management server, an electronic money settlement processing method, and a cash payout processing method, capable of allowing payment at a desired exchange rate and reduction of a cash amount to be carried, and releasing a payer from the time and labor of determining the amounts of respective bank bills and respective coins of foreign currencies every time.SOLUTION: In a management server 300, electronic money of a user B is linked with card identification information of a prepaid card of the user B and stored in a plurality of electronic money accounts, and an account data storage section 360 stores the electronic money of different currency kinds respectively in the respective electronic money accounts. In such a manner, since the electronic money of the different currency kinds are held respectively in the plurality of electronic money accounts, when making a payment with a foreign currency, by using the electronic money of the electronic money account corresponding to the foreign currency to be paid, the payment is made without being affected by exchange fluctuation.
摘要翻译：要解决的问题：提供一种电子货币管理服务器，电子货币结算处理方法和现金支付处理方法，能够以期望的汇率进行支付并减少要携带的现金金额，以及从每次确定各银行票据金额和相应的外币金额的时间和劳动力中分派付款人。解决方案：在管理服务器300中，用户B的电子货币与用户B的预付卡的卡片识别信息相关联并存储在多个电子货币帐户中，并且帐户数据存储部分360存储不同货币种类的电子货币分别在各自的电子货币账户中。以这种方式，由于不同货币种类的电子货币分别被保存在多个电子货币帐户中，所以当用外币付款时，通过使用与外币相对应的电子货币帐户的电子货币付款，付款不受汇率波动的影响。版权所有（C）2013，JPO＆INPIT

4. 发明专利

JP2013089128A Prepaid card system 审中-公开
标题翻译： PREPAID卡系统
公开(公告)号：JP2013089128A
公开(公告)日：2013-05-13
申请号：JP2011230975
申请日：2011-10-20
申请人： Isi Corp , 株式会社アイエスアイ
发明人： SATO MOTONORI
IPC分类号： G06Q20/28 , G06Q50/00
摘要： PROBLEM TO BE SOLVED: To provide a used-up type virtual prepaid card system which a user is able to use without anxiety without worrying about the leakage of personal information in on-line shopping, and in which one user is able to hold a plurality of cards.SOLUTION: The prepaid card system includes: card issue instruction acceptance means for accepting an instruction to issue a new prepaid card; card issue means for issuing the new prepaid card in association with the ID of the user; addition instruction acceptance means for, when the user has one or more existing prepaid cards, making the user select whether to add the balance of one selected prepaid card to the new prepaid card; card amount of money confirmation means for, when the addition instruction is made, confirming the balance of the prepaid card and the issue amount of money; and balance addition means for, when the addition instruction is made, adding the balance of one selected existing prepaid card to the issue amount of money of the new prepaid card.
摘要翻译：要解决的问题：为了提供用户能够无忧地使用的用尽型虚拟预付卡系统，而不用担心在线购物中的个人信息的泄漏，并且其中一个用户能够持有多张牌。解决方案：预付卡系统包括：发卡指令接收手段，用于接受发行新预付卡的指令; 发卡装置，用于与用户的ID相关联地发行新的预付卡; 附加指示接受装置，用于当用户具有一个或多个现有预付卡时，使用户选择是否将一个所选预付卡的余额添加到新的预付卡中; 卡金额确认手段，当添加指示时，确认预付卡的余额和发行金额; 以及平衡添加装置，用于当添加指令时，将一个所选择的现有预付卡的余额加到新预付卡的发行金额上。版权所有（C）2013，JPO＆INPIT

5. 发明专利

JP2003044668A Examination method for entrance qualification for credit card and right/wrong determination method for credit card issuance 审中-公开
标题翻译：信用卡入学资格考试方法和信用卡问题的正确/错误确定方法
公开(公告)号：JP2003044668A
公开(公告)日：2003-02-14
申请号：JP2001191853
申请日：2001-06-25
申请人： Isi Corp , 株式会社アイエスアイ
发明人： INOUE KAZUMI
IPC分类号： G06Q40/00 , G06Q40/02 , G06F17/60
摘要： PROBLEM TO BE SOLVED: To provide an examination method for entrance qualification for credit card and a right/wrong determination method for credit card issuance in which even the business policy of each company can be reflected.
SOLUTION: A formalities the examination of input contents that an admission wisher for the credit card has inputted is made, and, if the contents clears the examination, whether or not a bank, the branch or the like is a business partner is checked based on the inputted bank name, branch name or the like. Then, a double application check that collates with application histories within past six months based on the inputted personal information and the validity check of a telephone number based on the inputted telephone number are made. After that, the attribute information and credit history information on the admission wisher for the credit card are acquired by getting access to an outside personal credit information center. The examination method further has a categorization step in which the acquired attribute information and each item of the personal information that the admission wisher has inputted are subjected to a scoring engine and are digitized, and the digitized result is divided into three categories of OK, NG, and gray by a predetermined threshold.
COPYRIGHT: (C)2003,JPO
摘要翻译：要解决的问题：提供信用卡入学资格考试方法和信用卡发行的正确/错误确定方法，甚至可以反映每家公司的商业政策。解决方案：对信用卡入场信用卡输入的输入内容的检查进行手续，如果内容清除了检查，银行，分行等是否为业务伙伴，基于输入的银行名称，分行名称等。然后，根据输入的个人信息和基于输入的电话号码的电话号码的有效性检查，进行与过去六个月内的应用程序历史整理的双重应用程序检查。之后，通过访问外部个人信用信息中心来获取信用卡的入场许可者的属性信息和信用记录信息。检查方法还具有分类步骤，其中所获取的属性信息和入场许可者输入的个人信息的每个项目经受评分引擎并被数字化，并且数字化结果被划分为OK，NG ，并且灰度达预定阈值。

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