JP2000006559A - Issuing method for credit card - Google Patents

Abstract

PROBLEM TO BE SOLVED: To prevent a credit card from being improperly issued without acquiring a permission from a credit card supplier by a method wherein the registered content of a client information data base is confirmed, and only when permission data information is registered, a usage permission data signal is written in the recording part of the credit card. SOLUTION: When a credit card 10 is used as a first time, a usage permission data signal is not recorded in a region where the usage permission data signal of the card 10, is recorded, and from a CAT terminal device 5, information such as a member number and a card number which are recorded on a magnetic recording part 11 of the card 10 is transmitted to a host computer device 9 of a credit card supplier 3 through a communication circuit 8, and the credit card supplier 3 confirms again whether the credit card user can use a credit transaction without problem or not. In this case, during a period until the initial usage of the credit card 10, an investigation in details regarding the card user is performed.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a credit card issuance method which enables immediate issuance of a credit card on the spot where an application is made, and also prevents unauthorized issuance. In particular, a credit card issuance method capable of preventing a member store (credit card issuer) who conducts a transaction based on a credit contract with a credit company from illegally issuing a credit card to a credit card user as a customer. It is about.

[0002]

2. Description of the Related Art Conventionally, when a credit card is issued to a credit card user, a customer who is a credit card user fills out a credit card application form and mails the application form directly. Or the like, or to a credit company via a member store (credit card issuer) that conducts transactions based on a credit contract with the credit company. In any of these methods, the credit company issues a credit card only when it determines that there is no problem after conducting a credit check of the customer based on the application form and examining the safety of the credit transaction. The credit card is issued to the applicant by performing a procedure and sending the credit card directly to the customer by registered mail or the like. However, in the above-mentioned method of issuing a credit card, it takes a long time for various administrative procedures, and it is common for a customer to wait several weeks after applying for a credit card and receiving the credit card. Acceptance,
Even if you want to receive the credit service immediately, there is an inconvenience that you cannot receive the credit service because there is no credit card.

On the other hand, in recent years, as a method for alleviating the inconvenience described above, an immediate issuance method in which a credit card can be issued immediately at the place of application at the store of a member store which is a credit card issuer has been proposed. Credit cards (hereinafter referred to as instant issue cards) have been used. When issuing these Instant Issue Cards, customers bring insurance cards, driver's licenses, employee ID cards, student ID cards, etc., which are identification cards to prove their identity, present them to the member store, and fill out the application form. Filling out the necessary items and applying for a credit card is performed. At that time, the clerk of the member store transmits the customer information such as the identification card and the contents of the application form to the credit company by facsimile or telephone. The credit company immediately conducts a credit check of the customer using a customer information database that the credit company can hold or commonly use in the credit industry. After confirming the credibility and security of conducting a credit transaction with the applicant based on customer information such as the presence or absence of employment, employment, and income in the past credit transactions of the customer registered in the customer information database. If it is determined that there is no problem in issuing a credit card, the credit card is issued to the member store. After receiving the above permission from the credit company, the merchant records the expiration date of the credit card and the customer's password on the magnetic recording section of the credit card, and then issues the credit card to the customer on the spot I do. As a result, the customer can own the credit card on the same day, so that the customer can use the credit card for shopping and using various credit services at the member store.

However, in the above method, when issuing a credit card, the clerk of the affiliated store intervenes between the customer and the credit company when issuing the credit card. If a credit card is issued to a customer in a wrong manner, or if the clerk at the member store misuses the credit card itself and commits wrongdoing such as repeatedly purchasing products with the credit card, the damage to the credit company is extremely large. There is a risk of becoming something.

In addition, there is a risk that the card immediately issued before issuance stored in the member store may be stolen and the information may be improperly recorded in the recording unit of the card and used. At present, there are a number of issues regarding card security. Regarding these credit cards issued immediately, Japanese Patent Publication 7-23035 and Japanese Patent Publication 7-8
0385 is known. However, all of the above-mentioned known technologies are aimed at preventing a credit card from being misused by a customer of an instantly issued card and preventing damage due to theft or loss. Is difficult to prevent.

[0006]

SUMMARY OF THE INVENTION The present invention has been made in order to solve the above-mentioned problems of the conventional credit card issuance method. Immediate issuance credit card that can be issued immediately, preventing the credit card issuer from issuing unauthorized credit cards without the permission of the credit card provider, An object of the present invention is to provide a credit card issuance method that can prevent unauthorized use of a credit card at a member store even when the credit card is on the market.

[0007]

In order to achieve the above-mentioned object, a credit card issuing method according to the present invention is provided from a credit card provider to a credit card issuer, and is provided from the credit card issuer to the credit card issuer. In a credit card issuance method having a recording unit to be issued to a user, a unique number determined in advance for each credit card and permission data information on credit transaction of the credit card user are stored in a customer information database of the credit card supplier. After the registration, a credit card is temporarily issued to the credit card user, and when the credit card user uses the credit card for the first time, the registered contents of the customer information database are confirmed, and the permission data information is registered. Credit card only if By writing permission to use the data signals to the recording unit of the de it is characterized in allowing the use of the credit card.

[0008] The recording unit is a magnetic recording unit or an IC recording unit. Also,
The credit card (10) has an information display recording unit (25) that is visible.

[0009]

DESCRIPTION OF THE PREFERRED EMBODIMENTS The present invention will be described below in detail with reference to the drawings. FIG. 1 is a diagram showing a configuration of an embodiment of a system used for a credit card issuing method according to the present invention.
FIG. 3 is a plan view showing a recording example of the magnetic recording unit of the credit card of the present invention, FIG. 3 is a diagram showing a primary issuance flow of the credit card of the present invention, and FIG. FIG. 6 is a diagram showing a flow of issuing.

As shown in FIG. 1, a credit franchise that is a credit card issuer 1 has a credit card application 2 and a customer identification card such as an insurance card, a driver's license, an employee ID card, a student ID card, and the like. FAX for sending the contents of the credit card to the credit company that is the credit card supplier 3
Device 6 and CAFIS (credit and f
innce information system
m) A CAT terminal device 5 which is connected to the center 4 and automatically performs invalid card check, credit check, issuance of slips, processing of sales information and the like is installed. In addition, a credit company, which is a credit card supplier 3, has a facsimile device 7 used when transmitting and receiving information to and from a credit member store, and a CA installed in each credit member store.
There is a host computer device 9 connected to the T terminal device 5 via the communication network 8 and installed at the center of the credit company.

The CAT terminal device 5 installed at the credit member store has card reading means 14 for reading data from a recording unit 13 such as a magnetic recording unit 11 and an IC recording unit 12 provided on the credit card 10. Card writing means 15 for writing data in the recording unit 13 and visually writing information in an information display recording unit 25 provided in the credit card 10; a data input unit 16; a data display unit 17; , A communication control unit 19 is built-in.

The host computer 9 installed in the credit company as the credit card supplier 3 has a data input unit 20, a data output unit 21, a customer information database 22, an interface 23, a communication control unit 24.
Is provided. As the customer information database 22, in addition to the customer information database uniquely owned by the credit company, the customer information database 22 is connected via the communication line network 8 that allows the credit companies to search for customer information in common. A shared customer information database (not shown) can also be used.

The credit card 10 has a magnetic recording unit 11 and an IC recording unit 12 as recording units 13 as shown in FIG.
And an information display recording unit 25. Magnetic recording unit 1
1 includes a company code 26, a member number 27, and an expiration date 2
8. Card use permission data signal 29, card number 3
A recording area in which various information such as 0 is recorded is provided. In the card use permission data signal 29, for example, a signal of 0 is recorded before the credit company permits use of the card, and the signal is set to 0 when the credit company permits use of the card. It is used to identify whether or not the credit card can be used by inputting it instead of the signal from 1 to 1 so that the credit card can be used.
It is preferable from the viewpoint of security that the permission data signal 29 is encrypted as much as possible and recorded. Further, the information to be recorded in the magnetic recording unit 11 may be recorded by using the IC recording unit 12. In particular, in order to further enhance security, only the card use permission data signal 29 may be transmitted to the IC recording unit 12 in some cases. The security can be further improved by recording the information in the.

The information display recording section 25 is formed of a reversible thermosensitive recording layer or a magnetic recording layer capable of repeatedly displaying various displayed information displays in a rewritable manner. The information display recording unit 25 stores registration information such as the expiration date 31 of the credit card and points as registration information to prove that the credit card has been officially used by the credit company and has been registered. Various service information such as the number of service points can be displayed.

[0015]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS The specific issuance procedure of the credit card issuance method of the present invention will be described below with reference to the flowchart of FIG. In the issuance method according to the embodiment, the case where the issuance process is performed using the magnetic recording unit 11 of the recording unit 13 of the credit card 10 will be described. It may be recorded. First, the merchant who is the credit card issuer 1 has a credit card 10 as stock.
The card in which the company code 26 and the member number 27 have been written is stored in the magnetic recording unit 11 of FIG. When an application for issuance of the credit card 10 is made, first (S1), at a member store, which is the credit card issuer 1, fill out a credit card application form 2 with a customer who is a credit card user. (S2). The member store transmits the contents of the application form 2 and, if necessary, the contents of the identification card and the card number which is the unique number of the credit card to be issued to the credit company which is the credit card supplier 3 by FAX 6 ( S3). This card number is recorded in the magnetic recording unit 11 of the credit card 10 in advance. Next, the credit company registers the contents of the application form in the customer information database 22 (S4), searches the customer information database 22 to investigate the credit transaction status of the applicant in the past, and obtains information such as payment delinquency. (S5), and the result of the examination is registered in the customer information database 22 (S6).

According to the above examination, the credit card 10
Is determined (S7), and if it is determined that the certificate can be issued, the company code 26, the member number 27, the expiration date 28, the card number 30, the temporary credit Registration information such as a limit (not shown) is registered in the customer information database 22, and from the registration information, registration information such as an expiration date 28 required for issuance of the credit card 10 is installed in the member store from the host computer 3. It transmits to the CAT terminal device 5 (S8). At the member store, after receiving the above information from the credit company, the credit card is inserted into the card writing means 15 of the CAT terminal device 5 and the magnetic recording unit 11 of the credit card 10 is previously stored.
Is compared with the card number transmitted from the credit company, and the matching of each number is confirmed. Only when the numbers match, the process proceeds to the next step 10 (S9).

Next, information such as the expiration date 31 is also displayed and recorded on the information display recording section 25. (S10). However, at this stage, the use permission data signal 29 is not recorded in the magnetic recording area of the use permission data signal 29. After that, the credit card 10 is handed over to the applicant (S11), and the credit card 10 is handed over to the applicant for temporary issuance (S12).

In addition, the credit card 10
It is determined whether or not the credit card 10 can be issued (S7). If the credit card 10 cannot be issued, the credit company notifies the fact by telephone or the like (S13).

Next, as shown in FIG. 4, when a credit card user who has temporarily issued the credit card 10 performs shopping at a member store or the like using the credit card 10 (S 14), CAT installed in
Insert the credit card 10 into the terminal device 5 (S1
5), use permission data signal 2 for magnetic recording unit 11 of the card
9 is checked (S16). At this time, when the credit card 10 is used for the first time, the use permission data signal 29 is not recorded in the area where the card use permission data signal 29 is recorded in the magnetic recording unit 11 of the card. The information such as the member number 27 and the card number 30 recorded in the magnetic recording unit 11 of the card is transmitted to the host computer 9 of the credit card supplier 3 via the communication line 8, and the credit card supplier 3 again receives the credit. Check if there is no problem if the card user uses credit transactions (S1)
7). In this case, a detailed examination of the credit card user is performed between the time when the credit card 10 is issued and the time the first credit card 10 is used, and if a problem with the credit transaction is found, it is immediately performed. The credit information is registered in the customer information database 22.

Therefore, the judgment information is read from the registration status of the customer information database as to whether or not the credit card user has no problem using the credit, and if it is recorded that there is no problem (S18), Then, the use permission data signal 29 is written in the area where the card use permission data signal 29 is recorded in the magnetic recording unit 11 of the card (S
19). It is preferable from a security point of view that the card use permission data signal 29 is encrypted as much as possible, particularly when the recording unit 13 is the magnetic recording unit 11. Then, the credit is sold by a normal credit selling operation, and the information display / recording unit 25 of the card is used.
Also, information such as the expiration date and the service point is displayed and recorded (S20), and the process ends (S21).

In step 16 (S16),
When the presence or absence of the card use permission data signal 29 in the magnetic recording unit 11 of the card is checked, if the use permission data signal 29 is already recorded in the area where the card use permission data signal 29 is recorded, that is, the credit card Step 20 (S20) for the second and subsequent use of
Move to In step 17 (S17),
If it is determined from the registration status of the customer information database 22 that the credit card user has a problem using the credit transaction (S18), the credit card user is invalidated to the use permission data signal recording area of the magnetic recording unit 11. Is recorded, and the credit card is substantially invalidated (S22), and the credit card is returned.

The data input to the recording unit 13 by the card writing means 15 of the CAT terminal device 5 is performed by computer software or the like so that data can be input only to the host computer device 9 of the credit company. By setting, the member stores and the like cannot be illegally input data.

In the above method, the case where the magnetic recording unit 11 is used for the recording unit 13 of the credit card has been described. However, instead of the magnetic recording unit 11, the IC recording unit 12 uses the card use permission data signal 29, A credit card transaction system using the IC recording unit 12 may be formed by writing registration information necessary for issuing a credit card, such as a code 26, a membership number 27, an expiration date 28, and a card number 30. In such a case, the card reading means 14 and the card writing means 15 of the CAT terminal device 5 can read and write various data to and from the IC recording section 12 and permit use of the card of the IC recording section 12. When the data signal is changed to the recording area for recording the data signal, unless the data signal is changed by a special checking means based on the access from the host computer 9 of the credit company,
By setting the program so that the data signal cannot be changed to the recording area where the card use permission data signal is recorded, it is possible to use a higher security technology than when the magnetic recording unit 11 is used. is there.

As described above, in the credit card issuing method of the present invention, the time difference between the instant when the credit card is issued immediately and the time of the first use of the credit card is effectively utilized, and the examination check for the credit card user is performed. Since it can be performed, it is possible to reduce a security problem due to insufficient screening of a normal immediate-issue credit card.

[0025]

As described in detail above, the credit card issuance method of the present invention is such that a credit card issuer immediately issues a credit card immediately upon applying to a credit card user. The time difference between the point in time and the time when the credit card user uses the credit card for the first time can be effectively utilized, and the credit card user can be checked for screening in the time difference, so ordinary normal issuance This can reduce security problems due to insufficient credit card screening. When writing the credit card use permission data signal to the credit card recording unit, if there is no credit card use permission information in the credit card supplier's customer information database, write the use permission data signal to the credit card record unit Is not possible, even if the clerk of the merchant who is the credit card issuer tries to issue a credit card fraudulently in collusion with the customer, or even if the clerk of the merchant attempts to issue the credit card himself fraudulently Since a credit card capable of performing a credit transaction cannot be issued, it is possible to prevent damage to the use of the credit card due to improper issuance in advance. In addition, even if the card immediately issued before issuance stored at the member store is stolen, the data to be recorded in the card recording unit is not known, so purchase of the product using the credit card at the member store etc. However, there is an effect that even if an attempt is made to attempt to abuse the card, it is determined that the card is an unauthorized card at the stage of data collation. Therefore, according to the credit card issuing method of the present invention, if a customer applies for a credit card at a member store, the credit card can be issued on the spot where the application is made, and the credit card issuer can use the credit card. Unauthorized issuance of a credit card without the permission of the card supplier can also be prevented. Even if an unauthorized credit card enters the market, the unauthorized card can be detected by checking the permission data signal of the recording unit of the card before using the credit card. It can prevent damage from use.

[0026]

[Brief description of the drawings]

FIG. 1 is a diagram showing a configuration of an embodiment of a system used for a credit card issuing method of the present invention.

FIG. 2 is a plan view showing a recording example of a magnetic recording unit of the credit card of the present invention.

FIG. 3 is a diagram showing a flow of issuing a credit card of the present invention.

FIG. 4 is a diagram showing a flow of issuance enabling the use of the credit card of the present invention.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Credit card issuer 2 Application form 3 Credit card supplier 4 CAFIS center 5 CAT terminal device 6 FAX 7 FAX 8 Communication line 9 Host computer device 10 Credit card 11 Magnetic recording unit 12 IC recording unit 13 Recording unit 14 Card reading means 15 Card writing means 16 Data input unit 17 Data display unit 18 Interface unit 19 Communication control unit 20 Data input unit 21 Data output unit 22 Customer information database 23 Interface unit 24 Communication control unit 25 Information display recording unit 26 Company code 27 Member number 28 Expiration date 29 Card use permission data signal 30 Card number 31 Expiration date

Claims (3)

[Claims] 1. A credit card having a recording unit supplied from a credit card supplier (3) to a credit card issuer (1) and issued from the credit card issuer (3) to a credit card user. In the issuance method, the credit card is registered in advance in the customer information database (22) of the credit card supplier (3) with a unique number predetermined for each credit card (10) and permission data information on credit transactions with the credit card user. (10) is temporarily issued to the credit card user, and when the credit card user first uses the credit card (10), the registered contents of the customer information database (22) are checked,
Only when the permission data information is registered, the use permission data signal is written into the recording section (13) of the credit card (10), so that the credit card (10) can be used.
A method for issuing a credit card, characterized in that a credit card can be used. 2. The magnetic recording unit (1), wherein the recording unit (13) is a magnetic recording unit (1).
2. A method for issuing a credit card according to claim 1, wherein the method is 1) or an IC recording section. 3. The credit card issuance method according to claim 1, wherein the credit card has a visible information display recording unit.