Credit intermediary system, credit intermediary apparatus and method thereof, recording medium and program

A credit intermediary apparatus for performing credit-intermediacy process between an issuing credit company system and one of a user's credit card company system and an affiliated store system, said credit intermediary apparatus comprising:

• receiving means for receiving a credit electronic message including a credit card number from one of said user's credit card company system and said affiliated store system;
• credit request means for determining an issuing credit company that issued said credit card on the basis of said credit card number included in said credit electronic message that is received by said receiving means, outputting a credit electronic message corresponding to said credit electronic message to said issuing credit company system for requesting a credit authorization;
• and
• transmitting means for receiving a result of credit authorization process with regards to said credit authorization requested by said credit request means from said issuing credit company system, and transmitting said result of credit authorization process to one of said user's credit card company system and said affiliated store system.

A credit intermediary method of a credit intermediary apparatus for performing credit-intermediacy process between an issuing credit company system and one of a user's credit card company system and an affiliated store system, said credit intermediary method comprising:

• a receiving step for receiving a credit electronic message including a credit card number from one of said user's credit card company system and said affiliated store system;
• a credit requesting step for determining an issuing credit company that issued said credit card on the basis of said credit card number included in said credit electronic message that is received in said receiving step, outputting a credit electronic message corresponding to said credit electronic message to said issuing credit company system for requesting a credit authorization;
• and
• a transmitting step for receiving a result of credit authorization process with regards to said credit authorization requested in said credit request step from said issuing credit company system, and transmitting said result of credit authorization process to one of said user's credit card company system and said affiliated store system.

A recording medium in which a computer-readable program for realizing a credit intermediary apparatus is recorded, said computer-readable program performing credit-intermediacy process between an issuing credit company system and one of a user's credit card company system and an affiliated store system, said program comprising:

• a receiving step for receiving a credit electronic message including a credit card number from one of said user's credit card company system and said affiliated store system;
• a credit requesting step for determining an issuing credit company that issued said credit card on the basis of said credit card number included in said credit electronic message that is received in said receiving step, outputting a credit electronic message corresponding to said credit electronic message to said issuing credit company system for requesting a credit authorization;
• and
• a transmitting step for receiving a result of credit authorization process with regards to said credit authorization requested in said credit request step from said issuing credit company system, and transmitting said result of credit authorization to one of said user's credit card company system and said affiliated store system.

A program for allowing a computer to control a credit intermediary apparatus so as to perform credit-intermediacy process between an issuing credit company system and one of a user's credit card company system and an affiliated store system, said program causing said computer to perform:

• a receiving step for receiving a credit electronic message including a credit card number from one of said user's credit card company system and said affiliated store system;
• a credit requesting step for determining an issuing credit company that issued said credit card on the basis of said credit card number included in said credit electronic message that is received in said receiving step, outputting a credit electronic message corresponding to said credit electronic message to said issuing credit company system for requesting a credit authorization;
• and
• a transmitting step for receiving a result of credit authorization process with regards to said credit authorization requested in said credit request step from said issuing credit company system, and transmitting said result of credit authorization to one of said user's credit card company system and said affiliated store system.