JP2015148983A - Simple mail-address acquisition system and credit card issue examination system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a simple mail-address acquisition system capable of automatically importing a mail address stored in storage means of a multifunctional cellular phone into a card application software, and credit-card issue examination system using the mail-address acquisition system.SOLUTION: A simple mail-address acquisition system for a main work application software to be downloaded into a multifunctional cellular phone, causes a server central arithmetic circuit to read a mail address from mail address storage means that stores the mail address from a mail having been transmitted from the multifunctional cellular phone, and transmits it to the multifunctional cellular phone. A cellular phone central arithmetic circuit of the multifunctional cellular phone is configured to import the mail address into the main work application software.

Description

  The present invention relates to a simple mail address acquisition system and a credit card issuance examination system using the same.

  2. Description of the Related Art Conventionally, in the financial and credit industries, magnetic cards have been actively issued immediately at store service counters, unattended issuance at ATMs, and urgent issuance to deliver cards issued at Bureau at the fastest speed.

On the other hand, for immediate issuance of IC cards, although the needs are as high as for magnetism, there are many technical issues in addition to operational issues, and it is not in widespread use. Credit cards, cash cards, and the like have a more complicated card issuing process than magnetic cards and require high security. For this reason, if all the issuance processing steps from the credit processing performed at the issuer center in response to a card issuance request from the customer as before are performed with the facilities in the issuance counter, the facilities and software placed in the issuance counter become large-scale. There was a problem. In addition, it is impossible to install a device (HSM: Hardware Security Module) for guaranteeing security in an issue counter that is a public space because of processing characteristics.
In order to solve this problem, card issuance processing created in the registration center is received via a communication line, and the card issuance process is performed in a short time from the application by issuing the card with the card issuing device. There is a card issuance system that can perform an efficient card issuance process without the need to input information based on the matters described in the application form required when issuing the card (see, for example, Patent Document 1).

JP 2002-24920 A

  In recent years, in many cases, such a card issuance application uses a multi-function mobile phone called a smartphone. In this way, for card issuance application using a multi-function mobile phone, access the card company or card management company's server, download the card application software from this server, and enter the required items on the application screen. And output it to the server again.

  At this time, in order to transmit the contents data of the application screen on which necessary items are input to the server, it is necessary to incorporate the mail address of the multi-function mobile phone in the card application application software. Conventionally, this mail address has been incorporated using the input means of a multi-function telephone. However, an incorrect mail address is input due to an input error, and it is not often possible to reply from the server.

  Therefore, a program that automatically incorporates a mail address stored in the storage unit of the multi-function mobile phone into the card application application software is automatically stored in the card application application software. A technique for automatically incorporating an address into the card application software has been proposed.

  However, depending on the model of the multi-function mobile phone, whether the e-mail address stored in the storage means of the multi-function mobile phone is automatically incorporated into the card application application software or the program is included in the card application application software, There is a model that refuses to incorporate the mail address stored in the storage means of the multi-function mobile phone into the card application software.

  Therefore, the present invention provides a simple mail address acquisition system capable of automatically incorporating the mail address stored in the storage means of the multi-function mobile phone into the card application application software, and a credit card issuance examination system using the same. It is to provide.

The above object is achieved by a simple mail address acquisition system having the following configurations (1) to (17) and a credit card issuance examination system using the system.
(1)
In a simple e-mail address acquisition system for main work application software downloaded to a multi-function mobile phone,
Equipped with multi-function mobile phone and core server,
The multi-function mobile phone includes a telephone central processing circuit, a monitor that displays an image in response to an instruction from the telephone central processing circuit, a main storage unit that stores at least multi-function mobile phone ID data and mail address data, Main work application software storage means for storing main work application software for performing main work, transmission / reception means for storing mail application software, and input means for inputting the attribute data of the worker, etc. With
The backbone server includes a server central processing circuit, and mail address storage means for storing multifunction mobile phone ID data and mail address data of the multifunction mobile phone from data sent from the multifunction mobile phone. ,
The telephone central processing circuit of the multi-function mobile phone displays an acquisition instruction screen for acquiring an e-mail address on the monitor by the main work application software read from the main work application software storage means. When a mail address acquisition instruction is issued from the screen, the telephone central processing circuit is used to read mail application software from the transmission / reception means to create a mail having at least multifunctional mobile phone ID data and mail address data And display a transmission screen for transmission on the monitor,
When the worker gives an instruction to send from this send screen, the email is sent to the backbone server,
The backbone server receives the mail, performs the server central processing circuit, associates it with the multi-function mobile phone ID, stores the mail address in the empty mail data storage means,
Using the telephone central processing circuit, read the main application software again, and display the acquisition execution screen for executing the mail address acquisition on the monitor,
When the worker gives an instruction to execute the mail address acquisition from the acquisition execution screen, the backbone server receives the instruction to execute the mail address acquisition and performs the server central processing circuit from the mail address storage means. Read the email address and send it to the multi-function mobile phone,
A simple mail address acquisition system, wherein a telephone central processing circuit of a multi-function mobile phone is configured to incorporate this mail address in the main work application software.
(2)
The email address acquired by the simplified email address acquisition system of (1) is incorporated into credit card application data, and the multi-function mobile phone transmits the credit card application data to the backbone server, whereby credit is applied based on the credit card application data. Credit card issuance system characterized by card issuance examination (3)
The multi-function mobile phone further captures a driver's license as driver license holder data having at least the driver's license kanji name data, and transmits the driver license holder data to the telephone central processing circuit. Means and a user authentication application memory for storing a user authentication application, wherein the basic server includes a basic user authentication application memory storing a user authentication application, and the main storage unit further includes at least a multi-function mobile phone The attribute data of the holder of the multifunctional mobile phone including the owner's kanji name data is stored, and the telephone central processing circuit downloads the user authentication application from the basic user authentication application memory to the user authentication application memory. Then, using this user authentication application, the driver's license holder's kanji name data and the multi-function mobile phone holder's kanji name data are collated, and when they match, a match data is created and they are different. (2) The credit card issuance examination system according to (2), which is adapted to create discrepancy data.
(4)
The driver's license holder data in the multi-function mobile phone is not only the driver's license holder's kanji name data, but also the driver's license holder's address data and date of birth data, and a driver's license issuance date data and driving License number data, and the attribute data of the multi-function mobile phone holder includes mobile phone number data and mail address data of the multi-function mobile phone in addition to the kanji name data of the multi-function mobile phone holder The credit card issuance examination system according to (3).
(5)
The credit card issuance examination system according to (3) or (4), wherein the telephone central processing circuit of the multi-function mobile phone displays the mismatch data on the monitor when the mismatch data is created.
(6)
A credit card issuance examination system for examining issuance of a credit card based on credit card application data sent from the multi-function mobile phone, wherein the credit card application data is the driver license holder data, Attribute data of the holder of the multi-function mobile phone, and other attribute data of the credit card applicant manually entered into the multi-function mobile phone other than the attribute data of the driver license holder data and the multi-function mobile phone holder (3) or (4) credit card issuance examination system.
(7)
The email address acquired by the simplified email address acquisition system of (1) is incorporated into credit card application data, and the multi-function mobile phone transmits the credit card application data to the backbone server, whereby credit is applied based on the credit card application data. A credit card issuance examination system for examining issuance of a card, wherein the backbone server stores a credit card application application storage unit storing a credit card application application which is the main work application, and a credit card application Screen data storage unit for credit card application that stores screen data, automatic examination unit for 24 hours based on in-house information, automatic examination unit that conducts automatic examination within specified time by external inquiry, examination result answering unit, overtime reception reexamination unit , Re-examination results times Examination system for the credit card issue, which includes the parts and mailing card issuing data generating unit.
(8)
When the customer operates the multi-function mobile phone, the credit card application screen data is read from the credit card application screen data storage unit of the core server, and the credit card application screen is displayed on the monitor of the multi-function mobile phone. When the customer inputs the other attribute data on the credit card application screen, the credit card application application displays the driver's license holder data, the multi-function mobile phone possession The credit card application data is created by synthesizing the attribute data of the user and other attribute data, and the credit card application data is transmitted to the backbone server. The backbone server receives the credit card application data in the automatic examination processing unit. If it is within the predetermined time, A normal automatic examination consisting of an examination and an automatic examination based on an external inquiry is performed in real time.On the other hand, if it is outside the predetermined time, a temporary automatic examination only for an automatic examination based on company information is performed in real time. The credit card issuance examination system according to claim 6, wherein reexamination is carried out by non-execution of external inquiry except when it is not.
(9)
The backbone system server performs the automatic re-examination similar to the normal automatic examination by the overtime reception re-examination unit when the examination result by the provisional automatic examination is other than when the result is negative and within the predetermined time. The credit card issuance examination system according to (8), wherein the examination is performed.
(10)
The backbone server transmits the credit card application data to a terminal of a human inspection organization when the normal automatic inspection and the provisional automatic inspection require a human inspection (8 ) Or (9) credit card issuance examination system.
(11)
Any of the above (8) to (10), wherein the backbone server is configured to generate the credit card issuance data by using the mail card issuance data generation unit at least when the normal automatic examination is possible. Credit card issuance screening system.
(12)
The backbone server includes a provisional card number issuing unit that generates a provisional card number capable of performing a replacement payment contract in mail order and / or over-the-counter sales before issuing a credit card, at least when the normal automatic examination is possible. The credit card issuance examination system according to any one of (8) to (10).
(13)
Temporary card number data storage means is provided which stores the temporary card number data generated by the temporary card number issuing unit, which is arranged inside the basic server or connected to the basic server. (12) The credit card issuance examination system according to (12).
(14)
A mail card issuance data storage unit is provided which stores the mail card issuance data created by the mail card issuance data generation unit, which is arranged inside the core server or connected to the core server. The credit card issuance examination system according to any one of (8) to (13).
(15)
The backbone server includes a provisional card number issuing unit that generates a provisional card number capable of performing a replacement payment contract in mail order and / or over-the-counter sales before issuing a credit card, at least when the normal automatic examination is possible. And the credit card issuance data has a card number, and the card number is a number different from the temporary card number.
(16)
The credit card issuance system according to (10) or (15), wherein the credit card issuance data is transmitted to a postal card issuance apparatus connected to a backbone server.
(17)
The backbone server is connected to a human review terminal for performing a human review. When the customer operates the multifunctional mobile phone, the credit card application screen data storage unit of the backbone server operates. The credit card application screen data can be read and the credit card application screen can be displayed on the monitor of the multi-function mobile phone. The customer inputs the other attribute data on the credit card application screen. The credit card application application creates the credit card application data by combining the driver's license holder data, the attribute data of the multi-function mobile phone holder and other attribute data, and generates the credit card application data. The backbone server sends this credit to the automatic examination processing unit. Card application data is received within the specified time, a normal automatic examination consisting of an automatic examination based on company information and an automatic examination based on an external inquiry is performed in real time. Send to the number issuing part,
The temporary card number issuing unit receives the data, generates temporary card number data, transmits this to the customer's multi-function mobile phone,
On the other hand, when it is outside the predetermined time, in the real-time, a provisional automatic examination of only an automatic examination based on company information is performed, and a re-examination is conducted without external inquiry except when this provisional automatic examination is negative. It is sent to the temporary card number issuing part and the point data generating part, and when it is within the predetermined time, the overtime reception reexamination part performs the same automatic reexamination as the normal automatic examination. The temporary card number issuing unit receives the data, generates temporary card number data, and transmits it to the customer terminal. The temporary card number issuing unit can be re-examined. So that it ca n’t be used until
The backbone server is configured to generate a credit card issuance data by performing a mail card issuance data generation unit when the normal automatic examination is possible and when the reexamination is not performed due to the external inquiry not being conducted. The credit card application data is transmitted to the terminal of the human inspection institution when the normal automatic examination, the provisional automatic examination and the re-examination by not conducting the external inquiry are a result of requiring a human examination. The credit card issuance examination system according to (15).

  In the simple mail address acquisition system according to the present invention, the basic server stores the mail address of the multi-function mobile phone by sending a blank e-mail with the multi-function mobile phone. The core server returns the mail address to the multi-function mobile phone and incorporates it into the main work application. Thus, the mail address of the multi-function mobile phone can be easily obtained.

  In the credit card issuance examination system of the present invention, the mail address of the multi-function mobile phone can be automatically incorporated into the card application software as described above, so that the mail address is entered incorrectly. As a result, a smooth credit card issuance application becomes possible.

It is a schematic diagram for demonstrating the outline | summary of the examination system for credit card issuing in which the simple mail address acquisition system by embodiment of this invention was integrated. It is a figure which shows the flow of mail address acquisition. It is the figure which showed the outline of the flow of examination (normal automatic examination) of the examination system for credit card issuance within predetermined time. It is the figure which showed the outline of the flow of examination (automatic reexamination) of the examination system for credit card issue outside the predetermined time. It is a figure which shows an example of the input screen of credit card application data. It is a figure which shows an example of the input screen of credit card application data different from the input screen of FIG.

Hereinafter, a credit card issuance examination system incorporating a simple mail address acquisition system according to an embodiment of the present invention will be described with reference to the accompanying drawings.
FIG. 1 is a schematic diagram of a credit card issuing examination system 10 according to an embodiment of the present invention.

  This credit card issuance examination system is a credit card issuance examination system including a multi-function mobile phone 10 owned by a credit card applicant (hereinafter also referred to as a customer) and a credit card application backbone server 30. is there.

  The multi-function mobile phone (hereinafter also referred to as a terminal) 10 includes a telephone central processing circuit 12, an input means 14 such as a touch panel, an image pickup means 16 that is a camera, a kanji name of a multi-function mobile phone holder, a terminal A main memory 18 storing an ID, a mobile phone number, a mobile mail address, etc., a credit card application application memory 20, a mail application, a transmission / reception means 22 for transmitting / receiving signals, and a monitor 24 are provided. In the transmission / reception means 22, the transmission means and the reception means may be configured separately. The monitor 24 is a touch panel and also functions as an input means. The mail application may be stored in a memory separate from the transmission / reception means 22.

  The backbone server 30 is in the system center and is completely secured. The backbone server 30 includes an application data memory 31 storing a credit card application application, an application screen data storage unit 32 storing credit card application screen data, a 24-hour automatic examination based on company information, and a predetermined by external inquiry. Automatic examination processing unit 34 that performs automatic examination within time, temporary card number issuing unit 36 that generates temporary card number information including a temporary card number when a credit card is issued, and examination result answering unit 40 , An overtime reception reexamination unit 42, a reexamination result response unit 44, and a mail card issue data generation unit 46 are provided. The backbone server 30 includes mail address storage means 47 that stores mail address data of the multi-function mobile phone 10 that is built-in or externally connected. In this mail address storage means 47, mail address data and registration time are stored in association with the terminal ID of the multi-function mobile phone. The application for credit card application incorporates an application for simple e-mail address acquisition

  The multi-function mobile phone 10 receives a credit card application application from the application data memory 31 of the backbone server 30 via the transmission / reception means 22 in response to an instruction from the central processing circuit 12 by a customer operation. Store in the application memory 20.

  When a customer activates a credit card application application in the multi-function mobile phone 10, the telephone central processing circuit 12 of the multi-function mobile phone 10 starts with the monitor 24 according to the credit card application application read from the memory 20. The first screen G1 (FIG. 2) of the acquisition instruction screen for acquiring the mail address is displayed (this screen is also the first screen for credit card application). When the customer instructs card application from the first screen G1, the second screen is displayed. When a name, an address, and the like are input on this screen and “to the next item” is designated, a third screen G3 is displayed. Since this third screen G3 has an item “select mail address”, when this item is selected, a fourth screen G4 is displayed. Since this fourth screen G4 has an item of “Send empty mail”, when it is selected, the application for credit card application is once exited, and the mail application is called from the transmission / reception means 22, and the mail The application is started. When this mail application is activated, a fifth screen G5 is displayed. The fifth screen G5 is a screen similar to the third screen G3. However, since the terminal ID is displayed on the fifth screen G5 and there is an item “send”, the multi-function mobile phone 10 is instructed when this is instructed. Thus, an empty mail carrying the terminal ID, mail address data, and registration time information is transmitted to the backbone server 30.

  When the basic server 30 receives this empty mail, it stores the mail address data and the registration time in the mail address storage means 47 in association with the terminal ID of the multi-function mobile phone. At this time, the core server 30 automatically transmits to the multi-function mobile phone 10 a message that the empty mail is kept and that the input should be continued.

When an empty mail is transmitted as described above, the screen returns to the credit card application and the sixth screen G6 is displayed on the monitor 24 of the multi-function mobile phone 10. On this sixth screen G6, after confirming that the item “Select an e-mail address” is selected and click “Confirm and go to next item”, the multi-function mobile phone 10 The e-mail address is acquired from the ten e-mail address storage means 47, and the e-mail address is displayed on the seventh screen G7, and this e-mail address is incorporated into the credit card application application.
In this way, the e-mail address can be easily incorporated into the credit card application information without making a mistake.

Next, the actual screening procedure of the credit card issuing screening system 10 of the present invention will be described.
When the credit card application application is stored in the application memory 20 of the multi-function mobile phone 10 and a customer's driving license is imaged by the imaging means 16, the central processing circuit 12 uses the application. Then, the photograph of the face on the driver's license and the attribute information of the driver's license holder are read, and these are converted into driver's license holder data. The central processing circuit 12 reads the attribute data of the holder of the multifunctional mobile phone from the main memory 18. Then, the central processing circuit 12 uses the credit card application application to store the multi-function mobile phone in the driver's license holder data among the driver's license holder's kanji name data and the multi-function mobile phone holder's attribute data. The name data of the person is compared to determine whether or not they match, and if they match, a “Yes” signal is generated, and if they do not match, a “No” signal is generated and transmitted. The attribute data of the driver's license holder to be taken in from the imaging means 16 of the multi-function mobile phone 10 includes the address, date of birth, driver's license issuance date, and driver's license number in addition to the above-mentioned kanji name data. .

  If the above judgment does not match and a “NO” signal is sent, a message for apologizing for credit card application is displayed on the monitor 24 of the multi-function mobile phone 10 so that no further procedures can be performed. Also good. That is, when a “permitted” signal is transmitted, the credit card application procedure may be continued.

  When the “OK” signal is transmitted as described above, the central processing circuit 12 reads the credit card application screen data from the credit card application screen data storage unit 32 of the backbone server 30 and applies the credit card application screen data. The screen is displayed on the monitor 24 of the multi-function mobile phone 10. An example of the credit card application screen is shown in FIGS. 5 and 6 with reference numerals 32A and 32B. These credit card application screens 32A and 32B include radio button fields 32Aa and 32Ba for selectively inputting the attributes of the credit card applicant, and a character input field 32Bb using a key appearing on a normal monitor 24, respectively. I have.

From these credit card application screens 32A and 32B, the attribute data excluding at least the driver license holder data and multi-function mobile phone holder data among the credit card applicant attribute data necessary for issuing the credit card is additionally input. Is done. Therefore, this credit card application screen, for example, when the applicant is a company employee, as shown in the screen of FIG. 5, as a radio button field 32Aa, as a housing category selection field, a residence year selection field, a spouse There are a presence / absence selection column, a occupation type selection column, and the like, and as shown in FIG. 5, a job type selection column is provided as the radio button column 32Ab.
Further, as shown in FIG. 6, the character input field 32Bb includes character input fields such as a tip name kanji / katakana and a department to which the character belongs.

  When all the input of the attribute data of these credit card applicants is completed, the credit card application application synthesizes these attribute data to create credit card application data. The credit card application data includes the mail address of the multifunctional mobile phone 10 that is simply acquired.

  This credit card application data includes the Kanji name from the main memory 18 of the multi-function mobile phone 10, the mobile phone number, the mobile mail address, the Kanji name from the captured image, address, date of birth, date of driver's license issuance, driving License number, additional entered Kana name, gender, postal code, address, housing classification, years of residence, marital status, burden of housing expenses, number of dependents, work classification, work name (kanji, etc.), work place Name (Kana), number of employees, job type, work phone number, working years, salary, salary date, borrowing amount from other companies, desired usage limit, PIN number, etc. are included.

  Next, actual credit card issuance examination using the credit card issuance examination system 10 will be described.

  The credit card application application sends the created credit card application data to the backbone server 30 to apply for a credit card. When the customer makes a credit card application by sending the credit card application data, the backbone server 30 receives the card application customer data in the automatic examination processing unit 34 and performs the examination.

  When it is within the predetermined time, the automatic examination processing unit 34 performs a normal automatic examination consisting of an automatic examination based on company information and an automatic examination based on an external inquiry in real time. The temporary card number issuing unit 36 receives the data, generates temporary card number data, and transmits this to the customer's multi-function mobile phone 10. The temporary card number data is transmitted by the examination result answering unit 40.

  In this way, when the temporary card number data is transmitted to the customer's multi-function mobile phone 10, the customer uses the temporary card number in the online mail order before the credit card issuance, etc. You can make purchases. Purchase of the above-mentioned goods using this temporary card number can be performed using the privilege point shown by the above-mentioned privilege point data. That is, when purchasing a product of 3500 yen using the temporary card, the above 2000 points can be used, and the actual price is 1500 yen.

  The outline of the examination (normal automatic examination) of the credit card issuance examination system within the predetermined time described above is shown in FIG.

  On the other hand, when it is outside the predetermined time, the automatic examination processing unit 34 performs provisional automatic examination only for automatic examination based on company information in real time, and external inquiry is not performed except when this provisional automatic examination is denied. The data is transmitted to the temporary card number issuing unit 36 and the point data generating unit 38. The temporary card number issuing unit 36 receives the data and generates temporary card number data. Although it is transmitted to the customer terminal, the temporary card number can be used once. If the reexamination within a predetermined time is NO, the temporary card number is canceled and transmitted to the customer terminal.

  The above-mentioned examination results are two cases other than “No”, that is, “Yes” and “No,” but “Personal examination is required”.

  The core server 10 is the same as the normal automatic examination by the overtime reception reexamination unit 42 when the examination result by the provisional automatic examination is other than the case where the examination result is within the predetermined time. An automatic re-examination is performed.

  The result of the automatic reexamination by the overtime reception reexamination unit 42 is used in the same manner as the result of the normal automatic examination, and the result data is sent to the multi-function mobile phone 10 of the customer by the reexamination result answering unit 44. Sent to.

  The outline of the examination (automatic re-examination) of the credit card issuance examination system outside the predetermined time described above is shown in FIG.

  The backbone server 30 transmits the credit card application data to the terminal 100 of the human inspection organization when the result of the normal automatic inspection and the automatic reexamination is a result that requires human inspection. Yes. When the result of the examination by the human examination organization is acceptable, the mail card preparation process is started.

  As described above, the backbone server has the mail card issuance data generation unit 46, and when the normal automatic examination and the automatic reexamination are possible, the mail card issuance data generation unit 46 performs the credit card issuance data. Is supposed to generate. The credit card issuance data is transmitted to the mail card issuing device 120. The mail card issuing device 120 issues an actual credit card based on the credit card issuance data and mails it to the customer.

  The temporary card number generation data including the temporary card number data generated by the temporary card number issuing unit 36 may be disposed inside the backbone server 30 or connected to the backbone server. It is stored in the temporary card number data storage means 48.

  The mail card issuance data generated by the mail card issuance data generation unit 46 is stored in the mail card issuance data storage means 50 which may be arranged inside the backbone server 30 or connected to the backbone server. Remembered.

  The credit card issuance data has a card number, which is different from the temporary card number.

  The examination result information data is stored in the examination information data file 52.

The credit card application application transmits the credit card applicant's driver's license screen imaged by the imaging means 16 of the multi-function mobile phone 10 to the backbone server 30, and the backbone server 30 is provided in the server ( The image is displayed on the monitor 54 (connected).
It is preferable to compare this image with the contents of the credit card application data to confirm whether the image has been correctly converted.

  As described above, since the multi-function mobile phone according to the present invention has the above-described configuration, the credit card is used by using at least the kanji name data of the multi-function mobile phone holder stored in the main storage unit in advance. It is possible to perform identity verification for issuing examination and the like, and to fully demonstrate the functions of the multi-function mobile phone.

Further, in the credit card issuance examination system of the present invention, the multi-function mobile phone holder attribute data stored in advance in the main memory of the multi-function mobile phone and the image pickup means of the multi-function mobile phone are used for capture. However, since the credit card application data is created using the data of the driver's license holder, the labor of the credit card applicant can be greatly reduced and the convenience is high.

DESCRIPTION OF SYMBOLS 10 Multifunctional mobile phone 12 Central processing circuit 14 Input means 16 Imaging means 18 Main memory 20 Application memory 22 Transmission / reception means 24 Monitor 30 Core server 31 Application data memory 32 Credit card application screen data storage part 34 Automatic examination processing part 36 Temporary card number issuing part 38 Point data generating part 40 Examination result answering part 42 Overtime reception reexamination part 44 Reexamination answering part 46 Postal card issuing data generating part 48 Temporary card number information data file 50 Postal card issuing data file 52 Examination information data file 100 Personal examination organization terminal 120 Mail card issuing device

The above object is achieved by a simple mail address acquisition system having the following configurations (1) to (16) and a credit card issuance examination system using the system.
(1)
In a simple e-mail address acquisition system for main work application software downloaded to a multi-function mobile phone,
Equipped with multi-function mobile phone and core server,
The multi-function mobile phone includes a telephone central processing circuit, a monitor that displays an image in response to an instruction from the telephone central processing circuit, a main storage unit that stores at least multi-function mobile phone ID data and mail address data, Main work application software storage means for storing main work application software for performing main work, transmission / reception means for storing mail application software, and input means for inputting the attribute data of the worker, etc. With
The multi-function mobile phone includes a built-in rejection model that refuses to automatically incorporate the mail address data stored in the main storage unit into mail application software,
The backbone server includes a server central processing circuit, and mail address storage means for storing multifunction mobile phone ID data and mail address data of the multifunction mobile phone from data sent from the multifunction mobile phone. ,
When at least the multi-function mobile phone is the built-in rejection model, the telephone central processing circuit of the multi-function mobile phone is connected to the monitor by the main work application software read from the main work application software storage means. When an acquisition instruction screen for acquiring an e-mail address is displayed and an operator issues an e-mail address acquisition instruction from this screen, the telephone central processing circuit is used to read e-mail application software from the transmission / reception means, Creating a mail having at least multifunctional mobile phone ID data and mail address data, and displaying a transmission screen for transmission on the monitor;
When the worker gives an instruction to send from this send screen, the email is sent to the backbone server,
The backbone server receives the mail, performs the server central processing circuit, associates it with the multi-function mobile phone ID, stores the mail address data in the mail address storage means,
Using the telephone central processing circuit, read the main application software again, and display the acquisition execution screen for executing the mail address acquisition on the monitor,
When the worker gives an instruction to execute the mail address acquisition from the acquisition execution screen, the backbone server receives the instruction to execute the mail address acquisition and performs the server central processing circuit from the mail address storage means. Read mail address data, send this to the multi-function mobile phone,
A simple mail address acquisition system, wherein a telephone central processing circuit of a multi-function mobile phone is configured to incorporate this mail address data in the main work application software.
(2)
Equipped with multi-function mobile phone and core server,
The multi-function mobile phone includes a telephone central processing circuit, a monitor that displays an image in response to an instruction from the telephone central processing circuit, a main storage unit that stores at least multi-function mobile phone ID data and mail address data, Credit card application application storage means for storing a credit card application application, transmission / reception means for storing mail application software, and input means for inputting the attribute data of the worker, etc.
In the credit card issuance examination system for transmitting the credit card application data created according to the credit card application to the backbone server from the multi-function mobile phone and applying for the issuance of the credit card,
The multi-function mobile phone further captures a driver's license as driver license holder data having at least the driver's license kanji name data, and transmits the driver license holder data to the telephone central processing circuit. Means and a user authentication application memory for storing a user authentication application, wherein the basic server includes a basic user authentication application memory storing a user authentication application, and the main storage unit further includes at least a multi-function mobile phone The attribute data of the holder of the multifunctional mobile phone including the owner's kanji name data is stored, and the telephone central processing circuit downloads the user authentication application from the basic user authentication application memory to the user authentication application memory. Then, using this user authentication application, the driver's license holder's kanji name data and the multi-function mobile phone holder's kanji name data are collated, and when they match, a match data is created and they are different. A credit card issuance system designed to create inconsistent data when
(3)
The driver's license holder data in the multi-function mobile phone is not only the driver's license holder's kanji name data, but also the driver's license holder's address data and date of birth data, and a driver's license issuance date data and driving License number data, and the attribute data of the multi-function mobile phone holder includes mobile phone number data and mail address data of the multi-function mobile phone in addition to the kanji name data of the multi-function mobile phone holder ( 2) The credit card issuance examination system.
(4)
The credit card issuance examination system according to ( 2) or ( 3 ) , wherein the telephone central processing circuit of the multi-function mobile phone displays the mismatch data on the monitor when the mismatch data is created.
(5)
A credit card issuance examination system for examining issuance of a credit card based on credit card application data sent from the multi-function mobile phone, wherein the credit card application data is a simplified email address according to claim 1. Multi-function mobile phone other than the mail address data acquired by the acquisition system, the driver's license holder data, the attribute data of the multi-function mobile phone holder, and the driver's license holder data and the attribute data of the multi-function mobile phone holder ( 2) or ( 3) credit card issuance examination system comprising other attribute data of a credit card applicant entered manually on a telephone.
(6)
The email address acquired by the simplified email address acquisition system of (1) is incorporated into credit card application data, and the multi-function mobile phone transmits the credit card application data to the backbone server, whereby credit is applied based on the credit card application data. A credit card issuance examination system for examining issuance of a card, wherein the backbone server stores a credit card application application storage unit storing a credit card application application which is the main work application, and a credit card application Screen data storage unit for credit card application that stores screen data, automatic examination unit for 24 hours based on in-house information, automatic examination unit that conducts automatic examination within specified time by external inquiry, examination result answering unit, overtime reception reexamination unit , Re-examination results times Examination system for the credit card issue, which includes the parts and mailing card issuing data generating unit.
(7)
When the customer operates the multi-function mobile phone, the credit card application screen data is read from the credit card application screen data storage unit of the core server, and the credit card application screen is displayed on the monitor of the multi-function mobile phone. When the customer inputs the other attribute data on the credit card application screen, the credit card application application displays the driver's license holder data, the multi-function mobile phone possession The credit card application data is created by synthesizing the attribute data of the user and other attribute data, and the credit card application data is transmitted to the backbone server. The backbone server receives the credit card application data in the automatic examination processing unit. If it is within the predetermined time, A normal automatic examination consisting of an examination and an automatic examination based on an external inquiry is performed in real time.On the other hand, if it is outside the predetermined time, a temporary automatic examination only for an automatic examination based on company information is performed in real time. (6) The credit card issuance examination system according to (6), wherein the reexamination is not performed when the external inquiry is not performed except in the case of no.
(8)
The backbone system server performs the automatic re-examination similar to the normal automatic examination by the overtime reception re-examination unit when the examination result by the provisional automatic examination is other than when the result is negative and within the predetermined time. ( 7) The credit card issuance examination system according to ( 7) , wherein the examination is performed.
(9)
The backbone server is configured to transmit the credit card application data to a terminal of a human examination organization when the normal automatic examination and the provisional automatic examination require a human examination ( 7) ) Or ( 8) Credit card issuance screening system.
(10)
Any of the above (7) to (9), wherein the backbone server generates the credit card issuance data by using the mail card issuance data generation unit at least when the normal automatic examination is possible. Credit card issuance screening system.
(11)
The backbone server includes a provisional card number issuing unit that generates a provisional card number capable of performing a replacement payment contract in mail order and / or over-the-counter sales before issuing a credit card, at least when the normal automatic examination is possible. The credit card issuance examination system according to any one of ( 7) to ( 10) .
(12)
Temporary card number data storage means is provided which stores the temporary card number data generated by the temporary card number issuing unit, which is arranged inside the basic server or connected to the basic server. ( 11) Credit card issuance examination system.
(13)
A mail card issuance data storage unit is provided which stores the mail card issuance data created by the mail card issuance data generation unit, which is arranged inside the core server or connected to the core server. The credit card issuing examination system according to any one of ( 7) to ( 12) .
(14)
The backbone server includes a provisional card number issuing unit that generates a provisional card number capable of performing a replacement payment contract in mail order and / or over-the-counter sales before issuing a credit card, at least when the normal automatic examination is possible. with which the credit card issuing data has a card number, the card number, the credit card for review system of the the temporary card numbers are different number (10).
(15)
The credit card issuance system according to (10) or ( 14) , wherein the credit card issuance data is transmitted to a postal card issuance apparatus connected to a backbone server.
(16)
The backbone server is connected to a human review terminal for performing a human review. When the customer operates the multifunctional mobile phone, the credit card application screen data storage unit of the backbone server operates. The credit card application screen data can be read and the credit card application screen can be displayed on the monitor of the multi-function mobile phone. The customer inputs the other attribute data on the credit card application screen. The credit card application application creates the credit card application data by combining the driver's license holder data, the attribute data of the multi-function mobile phone holder and other attribute data, and generates the credit card application data. The backbone server sends this credit to the automatic examination processing unit. Card application data is received within the specified time, a normal automatic examination consisting of an automatic examination based on company information and an automatic examination based on an external inquiry is performed in real time. Send to the number issuing part,
The temporary card number issuing unit receives the data, generates temporary card number data, transmits this to the customer's multi-function mobile phone,
On the other hand, when it is outside the predetermined time, in the real-time, a provisional automatic examination of only an automatic examination based on company information is performed, and a re-examination is conducted without external inquiry except when this provisional automatic examination is negative. It is sent to the temporary card number issuing part and the point data generating part, and when it is within the predetermined time, the overtime reception reexamination part performs the same automatic reexamination as the normal automatic examination. The temporary card number issuing unit receives the data, generates temporary card number data, and transmits it to the customer terminal. The temporary card number issuing unit is used until the re-examination is possible. To prevent
The backbone server is configured to generate a credit card issuance data by performing a mail card issuance data generation unit when the normal automatic examination is possible and when the reexamination is not performed due to the external inquiry not being conducted. cage, the normal automatic examination, when the result of re-examination by the provisional automatic examination and the outer query unexecuted requires human review, to send the credit card application data in the human trial 査端 end The credit card issuance examination system according to (15).

The above object is achieved by a simple mail address acquisition system having the following configurations (1) to (16) and a credit card issuance examination system using the system.
(1)
In a simple e-mail address acquisition system for main work application software downloaded to a multi-function mobile phone,
Equipped with multi-function mobile phone and core server,
The multi-function mobile phone includes a telephone central processing circuit, a monitor that displays an image in response to an instruction from the telephone central processing circuit, a main storage unit that stores at least multi-function mobile phone ID data and mail address data, Main work application software storage means for storing main work application software for performing main work, transmission / reception means for storing mail application software, and input means for inputting the attribute data of the worker, etc. With
The multi-function mobile phone is a built-rejection models which reject automatically incorporate it the mail address data to which the main memory unit stores the mail application software,
The backbone server includes a server central processing circuit, and mail address storage means for storing multifunction mobile phone ID data and mail address data of the multifunction mobile phone from data sent from the multifunction mobile phone. ,
Telephone central processing circuit of the prior SL multi-function mobile phone, the main working application software read from the main working application software storage means, and displays the acquired instruction screen for mail addresses acquired in the monitor, the operator When a mail address acquisition instruction is issued from this screen, the telephone central processing circuit is used to read the mail application software from the transmission / reception means to create a mail having at least multifunctional mobile phone ID data and mail address data. And display a transmission screen for transmission on the monitor,
When the worker gives an instruction to send from this send screen, the email is sent to the backbone server,
The backbone server receives the mail, performs the server central processing circuit, associates it with the multi-function mobile phone ID, stores the mail address data in the mail address storage means,
Using the telephone central processing circuit, read the main application software again, and display the acquisition execution screen for executing the mail address acquisition on the monitor,
When the worker gives an instruction to execute the mail address acquisition from the acquisition execution screen, the backbone server receives the instruction to execute the mail address acquisition and performs the server central processing circuit from the mail address storage means. Read mail address data, send this to the multi-function mobile phone,
A simple mail address acquisition system, wherein a telephone central processing circuit of a multi-function mobile phone is configured to incorporate this mail address data in the main work application software.
(2)
Equipped with multi-function mobile phone and core server,
The multi-function mobile phone includes a telephone central processing circuit, a monitor that displays an image in response to an instruction from the telephone central processing circuit, a main storage unit that stores at least multi-function mobile phone ID data and mail address data, Credit card application application storage means for storing a credit card application application, transmission / reception means for storing mail application software, and input means for inputting the attribute data of the worker, etc.
In the credit card issuance examination system for transmitting the credit card application data created according to the credit card application to the backbone server from the multi-function mobile phone and applying for the issuance of the credit card,
The multi-function mobile phone further captures a driver's license as driver license holder data having at least the driver's license kanji name data, and transmits the driver license holder data to the telephone central processing circuit. Means and a user authentication application memory for storing a user authentication application, wherein the basic server includes a basic user authentication application memory storing a user authentication application, and the main storage unit further includes at least a multi-function mobile phone The attribute data of the holder of the multifunctional mobile phone including the owner's kanji name data is stored, and the telephone central processing circuit downloads the user authentication application from the basic user authentication application memory to the user authentication application memory. Then, using this user authentication application, the driver's license holder's kanji name data and the multi-function mobile phone holder's kanji name data are collated, and when they match, a match data is created and they are different. A credit card issuance system designed to create inconsistent data when
(3)
The driver's license holder data in the multi-function mobile phone is not only the driver's license holder's kanji name data, but also the driver's license holder's address data and date of birth data, and a driver's license issuance date data and driving License number data, and the attribute data of the multi-function mobile phone holder includes mobile phone number data and mail address data of the multi-function mobile phone in addition to the kanji name data of the multi-function mobile phone holder The credit card issuance examination system according to (2).
(4)
The credit card issuance examination system according to (2) or (3), wherein the telephone central processing circuit of the multi-function mobile phone displays the mismatch data on the monitor when the mismatch data is created.
(5)
The multi-function mobile phone includes a built-in rejection model that refuses to automatically incorporate the mail address data stored in the main storage unit into mail application software,
The backbone server includes a server central processing circuit, and mail address storage means for storing multifunction mobile phone ID data and mail address data of the multifunction mobile phone from data sent from the multifunction mobile phone. ,
When at least the multi-function mobile phone is the built-in rejection model, the telephone central processing circuit of the multi-function mobile phone is connected to the monitor by the main work application software read from the main work application software storage means. When an acquisition instruction screen for acquiring an e-mail address is displayed and an operator issues an e-mail address acquisition instruction from this screen, the telephone central processing circuit is used to read e-mail application software from the transmission / reception means, Creating a mail having at least multifunctional mobile phone ID data and mail address data, and displaying a transmission screen for transmission on the monitor;
When the worker gives an instruction to send from this send screen, the email is sent to the backbone server,
The backbone server receives the mail, performs the server central processing circuit, associates it with the multi-function mobile phone ID, stores the mail address data in the mail address storage means,
Using the telephone central processing circuit, read the main application software again, and display the acquisition execution screen for executing the mail address acquisition on the monitor,
When the worker gives an instruction to execute the mail address acquisition from the acquisition execution screen, the backbone server receives the instruction to execute the mail address acquisition and performs the server central processing circuit from the mail address storage means. Read mail address data, send this to the multi-function mobile phone,
The telephone central processing circuit of the multi-function mobile phone is designed to incorporate this mail address data into the main work application software,
The credit card application data, the acquired e-mail address data, the driving license holder data, the multi-function mobile phone holder of the attribute data, as well as the driver's license holder data and the multi-function mobile phone owner of the attribute data The credit card issuance examination system according to (2) or (3), comprising other attribute data of a credit card applicant manually input to a multifunctional mobile phone other than the above.
(6)
The multi-function mobile phone includes a built-in rejection model that refuses to automatically incorporate the mail address data stored in the main storage unit into mail application software,
The backbone server includes a server central processing circuit, and mail address storage means for storing multifunction mobile phone ID data and mail address data of the multifunction mobile phone from data sent from the multifunction mobile phone. ,
When at least the multi-function mobile phone is the built-in rejection model, the telephone central processing circuit of the multi-function mobile phone is connected to the monitor by the main work application software read from the main work application software storage means. When an acquisition instruction screen for acquiring an e-mail address is displayed and an operator issues an e-mail address acquisition instruction from this screen, the telephone central processing circuit is used to read e-mail application software from the transmission / reception means, Creating a mail having at least multifunctional mobile phone ID data and mail address data, and displaying a transmission screen for transmission on the monitor;
When the worker gives an instruction to send from this send screen, the email is sent to the backbone server,
The backbone server receives the mail, performs the server central processing circuit, associates it with the multi-function mobile phone ID, stores the mail address data in the mail address storage means,
Using the telephone central processing circuit, read the main application software again, and display the acquisition execution screen for executing the mail address acquisition on the monitor,
When the worker gives an instruction to execute the mail address acquisition from the acquisition execution screen, the backbone server receives the instruction to execute the mail address acquisition and performs the server central processing circuit from the mail address storage means. Read mail address data, send this to the multi-function mobile phone,
The telephone central processing circuit of the multi-function mobile phone is designed to incorporate this mail address data into the main work application software,
Incorporate e-mail address that the acquired credit card application data, said the multi-function mobile phone which was sent to the mission-critical server, thereby based on the credit card application data, credit card issuing to perform the examination of the issue of credit card Screening system,
The backbone server includes a credit card application storage unit that stores the credit card application application that is the main work application, a credit card application screen data storage unit that stores credit card application screen data, and company information. It has a 24-hour automatic examination and an automatic examination processing section that performs automatic examination within a predetermined time by external inquiry, examination result answering section, overtime reception re-examination department, re-examination result answering section, and mail card issuance data generation section. (1) or (2) credit card issuance examination system.
(7)
When the customer operates the multi-function mobile phone, the credit card application screen data is read from the credit card application screen data storage unit of the core server, and the credit card application screen is displayed on the monitor of the multi-function mobile phone. When the customer inputs the other attribute data on the credit card application screen, the credit card application application displays the driver's license holder data, the multi-function mobile phone possession The credit card application data is created by synthesizing the attribute data of the user and other attribute data, and the credit card application data is transmitted to the backbone server. The backbone server receives the credit card application data in the automatic examination processing unit. If it is within the predetermined time, A normal automatic examination consisting of an examination and an automatic examination based on an external inquiry is performed in real time.On the other hand, if it is outside the predetermined time, a temporary automatic examination only for an automatic examination based on company information is performed in real time. (6) The credit card issuance examination system according to (6), wherein the reexamination is not performed when the external inquiry is not performed except in the case of no.
(8)
The backbone system server performs the automatic re-examination similar to the normal automatic examination by the overtime reception re-examination unit when the examination result by the provisional automatic examination is other than when the result is negative and within the predetermined time. The credit card issuance examination system according to (7), wherein the examination is performed.
(9)
The backbone server transmits the credit card application data to a terminal of a human inspection organization when the normal automatic inspection and the provisional automatic inspection require a human inspection (7 ) Or (8) credit card issuance examination system.
(10)
Any of the above (7) to (9), wherein the backbone server generates the credit card issuance data by using the mail card issuance data generation unit at least when the normal automatic examination is possible. Credit card issuance screening system.
(11)
The backbone server includes a provisional card number issuing unit that generates a provisional card number capable of performing a replacement payment contract in mail order and / or over-the-counter sales before issuing a credit card, at least when the normal automatic examination is possible. The credit card issuance examination system according to any one of (7) to (10).
(12)
Temporary card number data storage means is provided which stores the temporary card number data generated by the temporary card number issuing unit, which is arranged inside the basic server or connected to the basic server. (11) Credit card issuance examination system.
(13)
A mail card issuance data storage unit is provided which stores the mail card issuance data created by the mail card issuance data generation unit, which is arranged inside the core server or connected to the core server. The credit card issuance examination system according to any one of (7) to (12).
(14)
The backbone server includes a provisional card number issuing unit that generates a provisional card number capable of performing a replacement payment contract in mail order and / or over-the-counter sales before issuing a credit card, at least when the normal automatic examination is possible. The credit card issuance data according to (10), wherein the credit card issuance data has a card number, and the card number is different from the temporary card number.
(15)
The credit card issuance system according to (10) or (14), wherein the credit card issuance data is transmitted to a postal card issuance apparatus connected to a backbone server.
(16)
The backbone server is connected to a human review terminal for performing a human review. When the customer operates the multifunctional mobile phone, the credit card application screen data storage unit of the backbone server operates. The credit card application screen data can be read and the credit card application screen can be displayed on the monitor of the multi-function mobile phone. The customer inputs the other attribute data on the credit card application screen. The credit card application application creates the credit card application data by combining the driver's license holder data, the attribute data of the multi-function mobile phone holder and other attribute data, and generates the credit card application data. The backbone server sends this credit to the automatic examination processing unit. Card application data is received within the specified time, a normal automatic examination consisting of an automatic examination based on company information and an automatic examination based on an external inquiry is performed in real time. Send to the number issuing part,
The temporary card number issuing unit receives the data, generates temporary card number data, transmits this to the customer's multi-function mobile phone,
On the other hand, when it is outside the predetermined time, in the real-time, a provisional automatic examination of only an automatic examination based on company information is performed, and a re-examination is conducted without external inquiry except when this provisional automatic examination is negative. It is sent to the temporary card number issuing part and the point data generating part, and when it is within the predetermined time, the overtime reception reexamination part performs the same automatic reexamination as the normal automatic examination. The temporary card number issuing unit receives the data, generates temporary card number data, and transmits it to the customer terminal. The temporary card number issuing unit is used until the re-examination is possible. To prevent
The backbone server is configured to generate a credit card issuance data by performing a mail card issuance data generation unit when the normal automatic examination is possible and when the reexamination is not performed due to the external inquiry not being conducted. The credit card application data is transmitted to the personal examination terminal when the normal automatic examination, the provisional automatic examination, and the reexamination due to the non-execution of external inquiry are the result of requiring a human examination. (15) The credit card issuance examination system according to (15).

The above object is achieved by a simple mail address acquisition system having the following configurations (1) to (16) and a credit card issuance examination system using the system.
(1)
In a simple e-mail address acquisition system for main work application software downloaded to a multi-function mobile phone,
Equipped with multi-function mobile phone and core server,
The multi-function mobile phone includes a telephone central processing circuit, a monitor that displays an image in response to an instruction from the telephone central processing circuit, a main storage unit that stores at least multi-function mobile phone ID data and mail address data, Main work application software storage means for storing main work application software for performing main work, transmission / reception means for storing mail application software, and input means for inputting the attribute data of the worker, etc. With
The multi-function mobile phone is a built-in rejection model that refuses to automatically incorporate the mail address data stored in the main storage unit into mail application software,
The backbone server includes a server central processing circuit, and mail address storage means for storing multifunction mobile phone ID data and mail address data of the multifunction mobile phone from data sent from the multifunction mobile phone. ,
The telephone central processing circuit of the multi-function mobile phone displays an acquisition instruction screen for acquiring an e-mail address on the monitor by the main work application software read from the main work application software storage means. When a mail address acquisition instruction is issued from the screen, the telephone central processing circuit is used to read mail application software from the transmission / reception means to create a mail having at least multifunctional mobile phone ID data and mail address data And display a transmission screen for transmission on the monitor,
When the worker gives an instruction to send from this send screen, the email is sent to the backbone server,
The backbone server receives the mail, performs the server central processing circuit, associates it with the multi-function mobile phone ID, stores the mail address data in the mail address storage means,
Using the telephone central processing circuit, read the main application software again, and display the acquisition execution screen for executing the mail address acquisition on the monitor,
When the worker gives an instruction to execute the mail address acquisition from the acquisition execution screen, the backbone server receives the instruction to execute the mail address acquisition and performs the server central processing circuit from the mail address storage means. Read mail address data, send this to the multi-function mobile phone,
A simple mail address acquisition system, wherein a telephone central processing circuit of a multi-function mobile phone is configured to incorporate this mail address data in the main work application software.
(2)
Equipped with multi-function mobile phone and core server,
The multi-function mobile phone includes a telephone central processing circuit, a monitor that displays an image in response to an instruction from the telephone central processing circuit, a main storage unit that stores at least multi-function mobile phone ID data and mail address data, Credit card application application storage means for storing a credit card application application, transmission / reception means for storing mail application software, and input means for inputting the attribute data of the worker, etc.
In the credit card issuance examination system for transmitting the credit card application data created according to the credit card application to the backbone server from the multi-function mobile phone and applying for the issuance of the credit card,
The multi-function mobile phone further captures a driver's license as driver license holder data having at least the driver's license kanji name data, and transmits the driver license holder data to the telephone central processing circuit. Means and a user authentication application memory for storing a user authentication application, wherein the basic server includes a basic user authentication application memory storing a user authentication application, and the main storage unit further includes at least a multi-function mobile phone The attribute data of the holder of the multifunctional mobile phone including the owner's kanji name data is stored, and the telephone central processing circuit downloads the user authentication application from the basic user authentication application memory to the user authentication application memory. Then, using this user authentication application, the driver's license holder's kanji name data and the multi-function mobile phone holder's kanji name data are collated, and when they match, a match data is created and they are different. A credit card issuance system designed to create inconsistent data when
(3)
The driver's license holder data in the multi-function mobile phone is not only the driver's license holder's kanji name data, but also the driver's license holder's address data and date of birth data, and a driver's license issuance date data and driving License number data, and the attribute data of the multi-function mobile phone holder includes mobile phone number data and mail address data of the multi-function mobile phone in addition to the kanji name data of the multi-function mobile phone holder The credit card issuance examination system according to (2).
(4)
The credit card issuance examination system according to (2) or (3), wherein the telephone central processing circuit of the multi-function mobile phone displays the mismatch data on the monitor when the mismatch data is created.
(5)
The multi-function mobile phone is a built-rejection models which reject automatically incorporate it the mail address data to which the main memory unit stores the mail application software,
The backbone server includes a server central processing circuit, mail address storage means for storing multifunctional mobile phone ID data and mail address data of the multifunctional mobile phone from data sent from the multifunctional mobile phone , Main work application software storage means for storing main work application software for performing work ,
When at least the multi-function mobile phone is the built-in rejection model, the telephone central processing circuit of the multi-function mobile phone is connected to the monitor by the main work application software read from the main work application software storage means. When an acquisition instruction screen for acquiring an e-mail address is displayed and an operator issues an e-mail address acquisition instruction from this screen, the telephone central processing circuit is used to read e-mail application software from the transmission / reception means, Creating a mail having at least multifunctional mobile phone ID data and mail address data, and displaying a transmission screen for transmission on the monitor;
When the worker gives an instruction to send from this send screen, the email is sent to the backbone server,
The backbone server receives the mail, performs the server central processing circuit, associates it with the multi-function mobile phone ID, stores the mail address data in the mail address storage means,
Using the telephone central processing circuit, read the main application software again, and display the acquisition execution screen for executing the mail address acquisition on the monitor,
When the worker gives an instruction to execute the mail address acquisition from the acquisition execution screen, the backbone server receives the instruction to execute the mail address acquisition and performs the server central processing circuit from the mail address storage means. Read mail address data, send this to the multi-function mobile phone,
The telephone central processing circuit of the multi-function mobile phone is designed to incorporate this mail address data into the main work application software,
The credit card application for the data, the acquired e-mail address data, the driving license holder data, the multi-function mobile phone holder of the attribute data, as well as the driver's license holder data and the multi-function mobile phone owner of the attribute The credit card issuance examination system according to the above (2) or (3), which includes other attribute data of the credit card applicant manually inputted to the multi-function mobile phone other than the data.
(6)
The multi-function mobile phone is a built-rejection models which reject automatically incorporate it the mail address data to which the main memory unit stores the mail application software,
The backbone server includes a server central processing circuit, mail address storage means for storing multifunctional mobile phone ID data and mail address data of the multifunctional mobile phone from data sent from the multifunctional mobile phone , Main work application software storage means for storing main work application software for performing work ,
When at least the multi-function mobile phone is the built-in rejection model, the telephone central processing circuit of the multi-function mobile phone is connected to the monitor by the main work application software read from the main work application software storage means. When an acquisition instruction screen for acquiring an e-mail address is displayed and an operator issues an e-mail address acquisition instruction from this screen, the telephone central processing circuit is used to read e-mail application software from the transmission / reception means, Creating a mail having at least multifunctional mobile phone ID data and mail address data, and displaying a transmission screen for transmission on the monitor;
When the worker gives an instruction to send from this send screen, the email is sent to the backbone server,
The backbone server receives the mail, performs the server central processing circuit, associates it with the multi-function mobile phone ID, stores the mail address data in the mail address storage means,
Using the telephone central processing circuit, read the main application software again, and display the acquisition execution screen for executing the mail address acquisition on the monitor,
When the worker gives an instruction to execute the mail address acquisition from the acquisition execution screen, the backbone server receives the instruction to execute the mail address acquisition and performs the server central processing circuit from the mail address storage means. Read mail address data, send this to the multi-function mobile phone,
The telephone central processing circuit of the multi-function mobile phone is designed to incorporate this mail address data into the main work application software,
Credit card issuance in which the acquired email address is incorporated into credit card application data, and the multi-function mobile phone transmits it to the backbone server, thereby examining credit card issuance based on the credit card application data Screening system,
The backbone server includes a credit card application storage unit that stores the credit card application application that is the main work application, a credit card application screen data storage unit that stores credit card application screen data, and company information. It has a 24-hour automatic examination and an automatic examination processing section that performs automatic examination within a predetermined time by external inquiry, examination result answering section, overtime reception re-examination department, re-examination result answering section, and mail card issuance data generation section (2) or (3) credit card issuance examination system.
(7)
When the customer operates the multi-function mobile phone, the credit card application screen data is read from the credit card application screen data storage unit of the core server, and the credit card application screen is displayed on the monitor of the multi-function mobile phone. When the customer inputs the other attribute data on the credit card application screen, the credit card application application displays the driver's license holder data, the multi-function mobile phone possession The credit card application data is created by synthesizing the attribute data of the user and other attribute data, and the credit card application data is transmitted to the backbone server. The backbone server receives the credit card application data in the automatic examination processing unit. If it is within the predetermined time, A normal automatic examination consisting of an examination and an automatic examination based on an external inquiry is performed in real time.On the other hand, if it is outside the predetermined time, a temporary automatic examination only for an automatic examination based on company information is performed in real time. (6) The credit card issuance examination system according to (6), wherein the reexamination is not performed when the external inquiry is not performed except in the case of no.
(8)
The backbone system server performs the automatic re-examination similar to the normal automatic examination by the overtime reception re-examination unit when the examination result by the provisional automatic examination is other than when the result is negative and within the predetermined time. The credit card issuance examination system according to (7), wherein the examination is performed.
(9)
The backbone server transmits the credit card application data to a terminal of a human inspection organization when the normal automatic inspection and the provisional automatic inspection require a human inspection (7 ) Or (8) credit card issuance examination system.
(10)
Any of the above (7) to (9), wherein the backbone server generates the credit card issuance data by using the mail card issuance data generation unit at least when the normal automatic examination is possible. Credit card issuance screening system.
(11)
The backbone server includes a provisional card number issuing unit that generates a provisional card number capable of performing a replacement payment contract in mail order and / or over-the-counter sales before issuing a credit card, at least when the normal automatic examination is possible. The credit card issuance examination system according to any one of (7) to (10).
(12)
Temporary card number data storage means is provided which stores the temporary card number data generated by the temporary card number issuing unit, which is arranged inside the basic server or connected to the basic server. (11) Credit card issuance examination system.
(13)
A mail card issuance data storage unit is provided which stores the mail card issuance data created by the mail card issuance data generation unit, which is arranged inside the core server or connected to the core server. The credit card issuance examination system according to any one of (7) to (12).
(14)
The backbone server includes a provisional card number issuing unit that generates a provisional card number capable of performing a replacement payment contract in mail order and / or over-the-counter sales before issuing a credit card, at least when the normal automatic examination is possible. The credit card issuance data according to (10), wherein the credit card issuance data has a card number, and the card number is different from the temporary card number.
(15)
The credit card issuance system according to (10) or (14), wherein the credit card issuance data is transmitted to a postal card issuance apparatus connected to a backbone server.
(16)
The backbone server is connected to a human review terminal for performing a human review. When the customer operates the multifunctional mobile phone, the credit card application screen data storage unit of the backbone server operates. The credit card application screen data can be read and the credit card application screen can be displayed on the monitor of the multi-function mobile phone. The customer inputs the other attribute data on the credit card application screen. The credit card application application creates the credit card application data by combining the driver's license holder data, the attribute data of the multi-function mobile phone holder and other attribute data, and generates the credit card application data. The backbone server sends this credit to the automatic examination processing unit. Card application data is received within the specified time, a normal automatic examination consisting of an automatic examination based on company information and an automatic examination based on an external inquiry is performed in real time. Send to the number issuing part,
The temporary card number issuing unit receives the data, generates temporary card number data, transmits this to the customer's multi-function mobile phone,
On the other hand, when it is outside the predetermined time, in the real-time, a provisional automatic examination of only an automatic examination based on company information is performed, and a re-examination is conducted without external inquiry except when this provisional automatic examination is negative. It is sent to the temporary card number issuing part and the point data generating part, and when it is within the predetermined time, the overtime reception reexamination part performs the same automatic reexamination as the normal automatic examination. The temporary card number issuing unit receives the data, generates temporary card number data, and transmits it to the customer terminal. The temporary card number issuing unit is used until the re-examination is possible. To prevent
The backbone server is configured to generate a credit card issuance data by performing a mail card issuance data generation unit when the normal automatic examination is possible and when the reexamination is not performed due to the external inquiry not being conducted. The credit card application data is transmitted to the personal examination terminal when the normal automatic examination, the provisional automatic examination, and the reexamination due to the non-execution of external inquiry are the result of requiring a human examination. credit card issued for the examination system of the above (1 to 4) it is.

Claims (17)

In a simple e-mail address acquisition system for main work application software downloaded to a multi-function mobile phone,
Equipped with multi-function mobile phone and core server,
The multi-function mobile phone includes a telephone central processing circuit, a monitor that displays an image in response to an instruction from the telephone central processing circuit, a main storage unit that stores at least multi-function mobile phone ID data and mail address data, Main work application software storage means for storing main work application software for performing main work, transmission / reception means for storing mail application software, and input means for inputting the attribute data of the worker, etc. With
The backbone server includes a server central processing circuit, and mail address storage means for storing multifunction mobile phone ID data and mail address data of the multifunction mobile phone from data sent from the multifunction mobile phone. ,
The telephone central processing circuit of the multi-function mobile phone displays an acquisition instruction screen for acquiring an e-mail address on the monitor by the main work application software read from the main work application software storage means. When a mail address acquisition instruction is issued from the screen, the telephone central processing circuit is used to read mail application software from the transmission / reception means to create a mail having at least multifunctional mobile phone ID data and mail address data And display a transmission screen for transmission on the monitor,
When the worker gives an instruction to send from this send screen, the email is sent to the backbone server,
The backbone server receives the mail, performs the server central processing circuit, associates it with the multi-function mobile phone ID, stores the mail address data in the mail data storage means,
Using the telephone central processing circuit, read the main application software again, and display the acquisition execution screen for executing the mail address acquisition on the monitor,
When the worker gives an instruction to execute the mail address acquisition from the acquisition execution screen, the backbone server receives the instruction to execute the mail address acquisition and performs the server central processing circuit from the mail address storage means. Read mail address data, send this to the multi-function mobile phone,
A simple mail address acquisition system, wherein a telephone central processing circuit of a multi-function mobile phone is configured to incorporate this mail address data in the main work application software.   The mail address data acquired by the simple mail address acquisition system according to claim 1 is incorporated into credit card application data, and the multi-function mobile phone transmits the credit card application data to the backbone server. A credit card issuance examination system characterized by examination of card issuance.   The multi-function mobile phone further captures a driver's license as driver license holder data having at least the driver's license kanji name data, and transmits the driver license holder data to the telephone central processing circuit. Means and a user authentication application memory for storing a user authentication application, wherein the basic server includes a basic user authentication application memory storing a user authentication application, and the main storage unit further includes at least a multi-function mobile phone The attribute data of the holder of the multifunctional mobile phone including the owner's kanji name data is stored, and the telephone central processing circuit downloads the user authentication application from the basic user authentication application memory to the user authentication application memory. Then, using this user authentication application, the driver's license holder's kanji name data and the multi-function mobile phone holder's kanji name data are collated, and when they match, a match data is created and they are different. 3. The credit card issuance examination system according to claim 2, wherein the inconsistency data is created when the credit card is present.   The driver's license holder data in the multi-function mobile phone is not only the driver's license holder's kanji name data, but also the driver's license holder's address data and date of birth data, and a driver's license issuance date data and driving License number data, and the attribute data of the multi-function mobile phone holder includes mobile phone number data and mail address data of the multi-function mobile phone in addition to the kanji name data of the multi-function mobile phone holder The credit card issuance examination system according to claim 3.   The credit card issuance examination system according to claim 3 or 4, wherein the telephone central processing circuit of the multi-function mobile phone displays the mismatch data on the monitor when the mismatch data is created.   A credit card issuance examination system for examining issuance of a credit card based on credit card application data sent from the multi-function mobile phone, wherein the credit card application data is the driver license holder data, Attribute data of the holder of the multi-function mobile phone, and other attribute data of the credit card applicant manually entered into the multi-function mobile phone other than the attribute data of the driver license holder data and the multi-function mobile phone holder The credit card issuance examination system according to claim 3 or 4.   The email address acquired by the simplified email address acquisition system according to claim 1 is incorporated into credit card application data, and the multi-function mobile phone transmits the credit card application data to the backbone server, whereby credit card application data is based on the credit card application data. A credit card issuance system for examining the issuance of a credit card, wherein the backbone server stores a credit card application for storing a credit card application, which is the main work application, and a credit card application screen. Screen data storage unit for credit card application that stores data, automatic screening for 24 hours based on company information, automatic screening processing unit that performs automatic screening within a predetermined time by external inquiry, screening result answering unit, overtime reception reexamination unit, Reexamination result answer And credit card issuance examination system which has a mailing card issuing data generating unit.   When the customer operates the multi-function mobile phone, the credit card application screen data is read from the credit card application screen data storage unit of the core server, and the credit card application screen is displayed on the monitor of the multi-function mobile phone. When the customer inputs the other attribute data on the credit card application screen, the credit card application application displays the driver's license holder data, the multi-function mobile phone possession The credit card application data is created by synthesizing the attribute data of the user and other attribute data, and the credit card application data is transmitted to the backbone server. The backbone server receives the credit card application data in the automatic examination processing unit. If it is within the predetermined time, A normal automatic examination consisting of an examination and an automatic examination based on an external inquiry is performed in real time.On the other hand, if it is outside the predetermined time, a temporary automatic examination only for an automatic examination based on company information is performed in real time. The credit card issuance examination system according to claim 6, wherein reexamination is carried out by non-execution of external inquiry except when it is not.   The backbone system server performs the automatic re-examination similar to the normal automatic examination by the overtime reception re-examination unit when the examination result by the provisional automatic examination is other than when the result is negative and within the predetermined time. The credit card issuance examination system according to claim 8, wherein the examination is performed.   9. The backbone server is configured to transmit the credit card application data to a terminal of a human inspection organization when the normal automatic inspection and the provisional automatic inspection are results that require human inspection. Or 9 credit card issuance screening system.   The credit card according to any one of claims 8 to 10, wherein the backbone server generates the credit card issuance data by using the mail card issuance data generation unit at least when the normal automatic examination is possible. Issuance screening system.   The backbone server includes a provisional card number issuing unit that generates a provisional card number capable of performing a replacement payment contract in mail order and / or over-the-counter sales before issuing a credit card, at least when the normal automatic examination is possible. The credit card issuance examination system according to any one of claims 8 to 10.   Temporary card number data storage means is provided which stores the temporary card number data generated by the temporary card number issuing unit, which is arranged inside the basic server or connected to the basic server. The credit card issuance examination system according to claim 12.   A mail card issuance data storage unit is provided which stores the mail card issuance data created by the mail card issuance data generation unit, which is arranged inside the core server or connected to the core server. The credit card issuance examination system according to claim 8.   The backbone server includes a provisional card number issuing unit that generates a provisional card number capable of performing a replacement payment contract in mail order and / or over-the-counter sales before issuing a credit card, at least when the normal automatic examination is possible. The credit card issuance system according to claim 12, wherein the credit card issuance data has a card number, and the card number is a number different from the temporary card number.   The credit card issuance examination system according to claim 10 or 15, wherein the credit card issuance data is transmitted to a postal card issuance apparatus connected to a backbone server. The backbone server is connected to a human review terminal for performing a human review. When the customer operates the multifunctional mobile phone, the credit card application screen data storage unit of the backbone server operates. The credit card application screen data can be read and the credit card application screen can be displayed on the monitor of the multi-function mobile phone. The customer inputs the other attribute data on the credit card application screen. The credit card application application creates the credit card application data by combining the driver's license holder data, the attribute data of the multi-function mobile phone holder and other attribute data, and generates the credit card application data. The backbone server sends this credit to the automatic examination processing unit. Card application data is received within the specified time, a normal automatic examination consisting of an automatic examination based on company information and an automatic examination based on an external inquiry is performed in real time. Send to the number issuing part,
The temporary card number issuing unit receives the data, generates temporary card number data, transmits this to the customer's multi-function mobile phone,
On the other hand, when it is outside the predetermined time, in the real-time, a provisional automatic examination of only an automatic examination based on company information is performed, and a re-examination is conducted without external inquiry except when this provisional automatic examination is negative. It is sent to the temporary card number issuing part and the point data generating part, and when it is within the predetermined time, the overtime reception reexamination part performs the same automatic reexamination as the normal automatic examination. The temporary card number issuing unit receives the data, generates temporary card number data, and transmits it to the customer terminal. The temporary card number issuing unit can be re-examined. So that it ca n’t be used until
The backbone server is configured to generate a credit card issuance data by performing a mail card issuance data generation unit when the normal automatic examination is possible and when the reexamination is not performed due to the external inquiry not being conducted. The credit card application data is transmitted to the terminal of the human inspection institution when the normal automatic examination, the provisional automatic examination and the re-examination by not conducting the external inquiry are a result of requiring a human examination. The credit card issuance examination system according to claim 15.