Patent ID: 8104678

Claim:
A payment approval system for a credit card comprising: a terminal having read and write functions to read data from and write data to an IC chip equipped in the credit card; and, a host computer connected to the terminal via a network, the terminal comprising: payment request receiving means for receiving a payment request based on the credit card; fraud parameter reading means for reading a first fraud parameter stored in the IC chip, the first fraud parameter obtained by modeling a pattern of fraud usage of credit cards; fraud parameter judging means for judging whether a possibility of fraud usage related to the payment request satisfies criteria for requiring online approval by comparing the payment request to the first fraud parameter; and, payment information transmitting means for transmitting payment information generated from the payment request to the host computer when the fraud parameter judging means judges that the criteria for requiring online approval is satisfied, the host computer comprising: fraud parameter storing means for storing a second fraud parameter obtained by modeling the pattern of fraud usage of credit cards; payment approval judging means for judging whether the possibility of fraud usage related to the payment request satisfies the criteria for approving the payment by comparing the payment information received from the terminal to the second fraud parameter stored in the fraud parameter storing means; and, determined result transmitting means for transmitting to the terminal a determined result of approval or disapproval judged by the payment approval judging means.