Importance

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Abstract

A payment approval system and a method for approving a payment for credit cards are provided for providing efficient processing while maintaining accuracy in detection of fraud usage of credit cards with an IC chip. Fraud parameters obtained by modeling a pattern of fraud usage is stored in the IC chip equipped in the IC credit card to use for payment approval to achieve improved reliability of offline approval. When offline approval process finds a possibility of fraud usage, online approval for more detailed statistical analysis processing is requested to a host computer. When update information of the fraud parameter used for the judgment is transmitted together with the request for approval and the newest fraud parameter created by analyzing the newest transaction trend etc. is confirmed to have been updated at the host computer, the newest fraud parameter along with the approval result from the host computer is transmitted to the IC terminal to update the fraud parameter in the IC chip to the up-to-date state.

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First Claim