JPH11348467A - Method for issuing credit card - Google Patents

Abstract

PROBLEM TO BE SOLVED: To prevent a damage of use of a credit card because of an illegal issue by registering information regarding a credit card user with a data base of a credit card supplier and transmitting registered information from a credit card supplier to a card recorder of a card issuer. SOLUTION: A credit company registers application contents or the like with a client data base, then retrieves the base to search applicant's past credit transaction affairs, and examines whether a credit card may be issued to the applicant or not based on information such as nonpayment or the like of a payment. In the case of judging allowance of issuing the card according to the examination, registration information such as an authorization data signal of use of the card or the like is registered with the base, and the registration information necessary for issuing the card from the information is transmitted from a host computer 3 to a CAT terminal unit 5 installed in a member store. The store receives the information, inserts a card to a card writing means 15, and writes the information on a magnetic record 11 of a data record 13.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

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

[0002]

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

On the other hand, in recent years, as a method for alleviating the inconvenience described above, an immediate issue credit card (hereinafter, referred to as a credit card issuer) which can be issued immediately at the place of application at a member store which is a credit card issuer has been proposed. , Called an immediate issue card). When issuing these instant issue cards, customers bring insurance cards, driver's licenses, employee ID cards, student ID cards, etc., which are identification cards to prove their identity, present them to the member store, and submit the application form Fill out the necessary information and apply for a credit card. At that time, the clerk of the member store transmits the customer information such as the identification card and the contents of the application form to the credit company by facsimile or telephone. The credit company immediately conducts a credit check of the customer using a customer information database that the credit company can hold or commonly use in the credit industry. As a result of the credit check, after confirming the credibility and safety of the customer, such as the presence or absence of an accident in the past credit transaction, if it is judged that there is no problem in issuing a credit card, the credit card is issued to the merchant Is issued. After receiving the above permission from the credit company, the merchant records the expiration date of the credit card and the customer's password on the magnetic recording section of the credit card, and then issues the credit card to the customer on the spot I do. As a result, the customer can own the credit card on the same day, so that the customer can use the credit card for shopping and using various credit services at the member store.

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

In addition, there is a risk that the card immediately issued before issuance stored in the member store may be stolen and the information may be improperly recorded in the recording unit of the card and used. At present, there are a number of issues regarding card security.

[0006]

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

[0007]

In order to achieve the above-mentioned object, a credit card issuing method according to the present invention is provided from a credit card provider to a credit card issuer, and is provided from the credit card issuer to the credit card issuer. In a method for issuing a credit card having a recording unit to be issued to a user, when the credit card issuer issues the credit card, a unique number defined for each credit card and information on the credit card user are written to the credit card. Register in the database of the supplier, and further transmit the registration information from the credit card supplier to the card recording device of the credit card issuer via the communication line, and the credit card issuer sends the registration information to the credit card recording unit by the card recording device. By writing the registration information, It is characterized in carrying out the process of issuing Ttokado.

[0008] The registration information is an expiration date of a credit card. Further, the recording unit is an information display recording unit that makes the registration information visible.

[0009]

DESCRIPTION OF THE PREFERRED EMBODIMENTS The present invention will be described below in detail with reference to the drawings. FIG. 1 is a diagram showing a configuration of an embodiment of a system used for a credit card issuing method of the present invention, FIG. 2 is a plan view showing a recording example of a magnetic recording unit of the credit card of the present invention, and FIG. It is a figure which shows the flow of issuance of a credit card.

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

The CAT terminal 5 installed at the credit member store has card reading means 14 for reading data from a data recording unit 13 such as a magnetic recording unit 11 or an IC recording unit 12 provided on the credit card 10. A card writing unit 15 for writing data in the data recording unit and visually writing information in an information display recording unit 25 provided in the credit card 10; a data input unit 1;
6, a data output unit 17, an interface 18, and a communication control unit 19 are incorporated.

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

As shown in FIG. 2, the credit card 10 is provided with a magnetic recording unit 11, an IC recording unit 12, and an information display recording unit 25 as a data recording unit 13. The magnetic recording unit 11 is provided with a recording area for recording various information such as a company code 26, a member number 27, an expiration date 28, a card use permission data signal 29, and a card number 30. The card use permission data signal 29 includes, for example, before the credit company permits use of the card,
In the state where the signal of 0 is recorded, when the credit company permits the use of the card, the credit card can be used by inputting it instead of the signal of 0 to 1 so that the credit card can be used. It is used to identify whether or not to use.

Further, the credit card 10 is provided with an IC recording unit 12 for storing various data such as past transaction data when using the credit card and service point information added every time the credit card is used. Can be used. Also, the card use permission data signal 29 provided in the magnetic recording unit 11 may be provided in the recording area of the IC recording unit 12, and in some cases, the card use permission data signal 29
May be provided in both the recording areas of the magnetic recording unit 11 and the IC recording unit 12 so as to double-check the data, thereby further ensuring security.

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

[0016]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS The specific issuance procedure of the credit card issuance method of the present invention will be described below with reference to the flowchart of FIG. First, in a member store that is the credit card issuer 1, cards in a state where information is not written in the data recording unit 13 of the credit card are stored as stock. When an application for issuing a credit card is made, first (S1), a member who is a credit card issuer 1 fills out a credit card application form with a customer who is a credit card user. Receive (S2). The member store sends the contents of the application form and, if necessary, the contents of the identification card and the unique number of the credit card to be issued to the credit company, which is the credit card supplier 3, by fax 6 (S3). This unique number is recorded in advance in the recording unit of the credit card. Next, the credit company registers the application form and the like in the customer database (S4).
After that, the customer database is searched to investigate the credit transaction status of the applicant in the past, and it is determined whether a credit card may be issued to the applicant based on information such as delinquency of payment (S5). ), The examination result is registered in the customer database (S6).

According to the above-mentioned examination, it is determined whether or not the credit card can be issued (S7). If it is determined that the credit card can be issued, the permission to use the card indicating that the issuance is OK is issued. The registration information such as the data signal 29, the company code 26, the member number 27, the expiration date 28, and the card number 30 is registered in the customer database, and the registration information such as the expiration date 28 required for issuing a credit card is registered from the registration information. CAT installed at the member store from the host computer 3
The data is transmitted to the terminal device 5 (S8). At the member store, after receiving the above information from the credit company, the credit card is inserted into the card writing means 15 of the CAT terminal device 5, and the unique number of the card previously recorded in the recording section of the credit card is entered. The unique number of the card transmitted from the credit company is collated, the matching of the numbers is confirmed, and only when the numbers match, the process proceeds to the next step 10 (S9). Next, a card use permission data signal 29 is sent to the magnetic recording unit 11 which is the data recording unit 13,
Registration information necessary for issuing a credit card, such as a company code 26, a member number 27, an expiration date 28, and a card number 30, is written, and information such as an expiration date is also displayed and recorded on the information display recording unit 25. (S10). Thereafter, the credit card 10 is given to the applicant (S11), and the issuing procedure is terminated (S12).

In addition, it is determined by the examination whether or not a credit card can be issued (S7). If the credit card cannot be issued, the credit company notifies the fact by telephone or the like. Yes (S1
3).

The credit card data recording unit 1
As for the permission data signal for use of the card to be recorded in the magnetic recording unit 11 which is No. 3, it is a security to use an encrypted signal as complex as possible for each credit company instead of the simple signal such as 0 or 1 described above. Above. The data input to the magnetic recording unit 11 as the data recording unit 13 by the card writing unit 15 of the CAT terminal device 5 is performed so that the data can be input only to the host computer device 9 of the credit company. By setting it with computer software or the like, it is possible to prevent member stores and the like from illegally inputting data.

In the above-described method, the case where the magnetic recording unit 11 is used as the data recording unit 13 of the credit card has been described, but instead of the magnetic recording unit 11, the IC recording unit 12 is used.
Permission data signal 29 for card use, company code 2
6, a credit card transaction system using the IC recording unit 12 may be formed by writing registration information necessary for issuing a credit card, such as a member number 27, an expiration date 28, and a card number 30. In such a case, the card reading means 14 and the card writing means 15 of the CAT terminal device 5 can read and write various data to and from the IC recording section 12 and permit use of the card of the IC recording section 12. When the data signal is changed to the recording area for recording the signal, the recording is performed to record the permission data signal for use of the card unless the data signal is changed by a special matching means based on the access from the host computer 9 of the credit company. By setting the program so that the data signal cannot be changed to the area, it is possible to use a higher security technique than when the magnetic recording unit 11 is used.

[0021]

As described above in detail, the credit card issuance method of the present invention, when a credit card issuer issues the credit card, uses a unique number and a credit card user defined for each credit card. Information is registered in the database of the credit card supplier, and the registered information is transmitted from the credit card supplier to the card recording device of the credit card issuer via the communication line, and the credit card issuer uses the card recording device to execute the credit. Credit card can not be issued unless the registration information is written in the recording section of the card, so even if the clerk of the member store which is the credit card issuer tries to illegally issue the credit card in collusion with the customer, A clerk at a member store issues a credit card fraudulently It is not possible to issue a credit card that can be Utoshite also performs the formal credit Torihikiki, one in which it is possible to prevent in advance the damage of the use of credit cards by unauthorized issue. In addition, even if the card immediately issued before issuance stored at the member store is stolen, the data to be recorded in the card recording unit is not known, so purchase of the product using the credit card at the member store etc. However, there is an effect that even if an attempt is made to attempt to abuse the card, it is determined that the card is an unauthorized card at the stage of data collation.
Therefore, according to the credit card issuing method of the present invention, if a customer applies for a credit card at a member store, the credit card can be issued on the spot where the application is made, and the credit card issuer can use the credit card. Unauthorized issuance of a credit card without the permission of the card supplier can also be prevented. Even if an unauthorized credit card enters the market, the unauthorized card can be detected by checking the permission data signal of the recording unit of the card before using the credit card. It can prevent damage from use.

[0022]

[Brief description of the drawings]

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

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

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

[Explanation of symbols]

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

Claims (3)

[Claims] 1. A credit card having a recording unit supplied from a credit card supplier (3) to a credit card issuer (1) and issued from the credit card issuer (3) to a credit card user. In the issuance method of (1), when the credit card issuer (1) issues the credit card (10), the credit card supplier (3) sends a unique number determined for each credit card (10) and information on the credit card user. Of the credit card issuer (3) via a communication line to the card recording device of the credit card issuer (1), and the credit card issuer (3) By writing the registration information into the recording section of the credit card by a card recording device, the credit card Issuance processing of a credit card. 2. The credit card issuing method according to claim 1, wherein the registration information is an expiration date of the credit card. 3. The credit card issuance method according to claim 1, wherein the recording unit is an information display recording unit (25) that makes the registration information visible.