JP2001118004A - Plural kinds of transaction processing methods using card - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide plural kinds of transaction processing methods, using cards which efficiently perform various transactions regarding insurance by one transaction processor which is connected to plural companies of mutually different businesses by using one or plural cards. SOLUTION: The insurance card of a dealer is inputted and a transaction picture consisting of transaction keys regarding transaction processes peculiar to previously set dealers is displayed with the inputted insurance card of the dealer; and a transaction key regarding a transaction process selected from the displayed transaction picture is inputted and one or more other cards needed for the transaction are accepted in order. A password code is inputted and the lending, inquiry, insurance money payment, new contracting, contract lapse/ cancel, and insurance reception as transaction processes are performed.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method for executing a plurality of types of transaction processing using cards, and more particularly, to a plurality of institutions (insurance companies, banks, The present invention relates to a transaction processing execution method that can efficiently execute various transactions relating to insurance with one transaction processing device connected to a credit company, a loan company, other financial institutions, and the like via a network.

In this method, various business such as new contract, insurance payment, and lending of an insurance company can be performed by using one or a plurality of cards such as an insurance card, a bank card, a distribution card and the like as one transaction terminal device. Can be used to easily perform processing using a plurality of cards. Further, in the case where a payment or the like occurs, if a card having the function of electronic money is used, immediate payment is performed.

[0003]

2. Description of the Related Art Utilizing automatic transaction processors such as ATMs,
As a system for performing various kinds of transactions with a trader, for example, a system disclosed on pages 57 to 71 of a financial journal in December 1995 is known. This system utilizes a single transaction card (such as a bank card) held by a trader in an ATM, and uses the ATM.
Bank standard services provided by (withdrawals, deposits, transfers,
Other) with the same transaction details as other traders.

Further, as a system for freely performing various transactions between companies of different types of business, there is known a system disclosed in, for example, pages 139 to 154 of Nikkei Multimedia July, 1995. In this system,
Attribute / transaction information uniquely held in the shared server device is individually managed so that the user can freely access the transaction information.

[0005] Further, as regards the settlement, there is known a system using electronic money, for example, the system disclosed in pages 84 to 90 of a financial journal in January 1996. In this system, an IC chip is embedded in a conventional plastic card, an electronic symbol of money, so-called electronic money, is stored in the IC, and money is exchanged by sending and receiving the electronic symbol.

[0006]

However, the conventional method has the following problems.

[0007] When performing an insurance business such as lending and inquiry using an ATM operated by an insurance company, if the business is closed only by the insurance company, only one card of the insurance company may be used. Has partnered with banks and credit card companies,
If the same ATM device can be used to conclude a new insurance contract, make a loan based on an insurance contract or a silver transaction, check an insurance contract, a bank transaction, or check credit information, etc., perform transaction processing separately using each card. Needed and inefficient.

[0008] In addition, a personal identification number is required for each card for each type of business, and if the personal identification numbers are different, it is necessary to input a different personal identification number each time.
Operability was bad.

On the other hand, on the ATM transaction screen, the type and arrangement of the transaction keys are constant, regardless of which customer comes to the transaction, and the transaction keys that do not require a transaction are displayed at the main positions on the screen. For example, there is also an operational problem that it is not always possible to efficiently perform a transaction according to a trader's request.

[0010] An object of the present invention is to solve the above-mentioned problem, and a card that can efficiently carry out various insurance operations by utilizing a plurality of cards of different types of business with one transaction terminal. An object of the present invention is to provide a plurality of types of transaction processing execution methods used.

[0011] Another object of the present invention is to provide a personal identification number for an insurance card and a payment card when a plurality of cards are handled, so that a plurality of types of transactions using the card can reduce the number of input operations. It is to provide a processing execution method.

Another object of the present invention is to provide a transaction screen in accordance with the transaction contents of the trader from the past to the present and the future transaction plan, and to use a card capable of conducting an effective trade with the trader. And providing a plurality of types of transaction processing execution methods.

Another object of the present invention is to share a plurality of types of transaction information of companies of different types of business in a server device or a chip on an IC card, and to use an information storage area and a card capable of reducing a search time. It is to provide a transaction processing execution method.

[0014]

SUMMARY OF THE INVENTION The present invention utilizes one or a plurality of cards to communicate with a financial institution such as an insurance company and a transaction processing device (in-store / out-of-store personal computer, ATM, portable terminal,
And other transactions.

First, one trader's insurance card is inserted. The trader referred to here is an insured person who has taken out insurance from an insurance company or a person who has an account at a bank or the like, and refers to a person who actually operates a transaction processing device. A transaction screen including a transaction key related to a transaction process specific to the transaction and set in advance is displayed by the entered insurance card of the transaction. This transaction screen shows the key position, type,
Shape, color, etc. can be changed, added, etc. according to the transaction content of the trader. Select the transaction key related to the selected transaction from the displayed transaction screen. The types of transactions include loans, insurance premiums, and the like. Accept any other cards required for the transaction (bank cards, credit cards, other insurance cards, etc.). Other cards may not be required depending on the processing, or a plurality of cards may be required.

Next, the personal identification number of the insurance card inserted first is input. In an insurance transaction, when a withdrawal occurs, for example, when withdrawing money from a bank card and paying an insurance premium, the personal identification number of the card related to withdrawal is additionally input.

As a result, a new contract is concluded for transaction processing, insurance premiums are accepted, and loans, inquiries, insurance payments, cancellations, etc. are performed. In particular, in the case of lending, the lending can be performed in accordance with the accumulated lending balance limit of one or a plurality of accepted cards. In the inquiry, the received attribute information and transaction information on the card are merged, and the same information such as the attribute information held by a plurality of companies is displayed on the screen without duplication. In the insurance payment, information for selecting whether or not the paid insurance money is to be deposited at the bank is acquired, and if the deposit is made and the bank does not have an account, a bank account is automatically opened.

Furthermore, if a new insurance contract has been signed and stamped in advance at the time of applying for a bank or distribution card, enter the application form on the screen, respond to the notice, and add the initial insurance premium to the bank balance. If there is a considerable amount of money, a new contract can be signed. In addition, when the insurance contract expires,
If there is no balance in the bank account at the time of receiving the premium and it becomes necessary to interrupt the receiving of the premium, it is necessary to automatically join the bank card loan or the credit of the distribution card. In addition, when canceling insurance contracts, when canceling information is obtained from the trader, a cumulative key and a surrender value are displayed, or a transaction key for recommending switching to an insurance product is displayed on the screen.

[0019]

Embodiments of the present invention will be described below in detail with reference to the drawings.

FIG. 1 shows an apparatus configuration of the present invention. A plurality of client devices 6 and 6 ′ are connected via a network 5 to a server device 4 linked to an insurance company attribute / transaction DB 1, a bank attribute / transaction DB 2, and a distribution card company attribute / transaction DB 3. . Server device 4 here
Is a computer in a common center managed by insurance companies, banks, credit companies, and so on. The client device 6 is connected to a display unit 10, a key input unit 11, a card input unit 12, and external storage units (loan balance storage device 13, inquiry content storage device 14). The display means 10 is equipped with a touch panel often used in ATMs, and can also serve as the input means 11.

Each of the client devices 6 and 6 ′ constitutes a terminal device used by a customer who is a trader, and constitutes an insurance transaction network under the control of the server device 4. Although only two units are shown in the figure, there are actually a plurality of units. Since the construction of the insurance transaction network can be realized by using a known technology such as a known EC (electronic commerce), a detailed description is omitted here. The client device 6 can use a personal computer, for example, and includes an overall control means 9 including a CPU device, an internal memory 8, and a communication control means 7 for controlling exchange of information via a network.

The display means 10 is a device for visually displaying information such as a CRT display and a liquid crystal display, and displays a transaction screen in which a customer who is a trader makes a transaction.

The key input means 11 is used to input not only a personal identification number but also selection information of transaction contents, a desired lending amount, an inquiry desired item, and the like. For example, a mouse, a joystick, a keyboard and the like can be used. The loan balance storage device 13 stores a lending upper limit table (described later) for setting a lending upper limit for a customer. Inquiry content storage device 1
Reference numeral 4 denotes a storage device for displaying various inquiry contents regarding the accepted card.

The overall control means 9 controls the entire client device 6 according to a program input in advance and performs calculations. The overall control unit 9 controls the display unit 10 to display a transaction key relating to the transaction processing unique to the trader, and the card input unit 1
2, the control for inputting the personal identification number of the card input first by the key input means 11, and the like. Note that these processes can be executed by software using a program installed in advance.

Next, a description will be given of a processing flow of the loan business of the present embodiment with reference to FIGS. This processing flow is a processing flow in which transaction contents are input by a certain client device 6, necessary processing is performed, and the result is displayed on the client device 6 again.

In FIG. 2, first, the card input means 12
A trader's insurance card is input (step 21).
The input insurance card will be described with reference to FIG. As shown in FIG. 3A, the insurance card 31 is input to the ATM in the input direction 32. FIG. 3 (b)
A strip-shaped magnetic stripe 33 extending left and right for storing the attribute information record shown in -1) is embedded, and immediately below it, on the left, an IC for storing the electronic money record shown in FIG. FIG. 3 (b-)
IC chip 35 for storing transaction information table shown in 3)
Is provided. Since the configuration of these cards, for example, the arrangement of the IC chips 34 and 35 and the arrangement of the contacts with the card reader / writer can be realized by a known method, the description is omitted.

The attribute information record of FIG. 3 (b-1) stores information on the individual holding the card, for example, name, address, date of birth, occupation, and telephone number. FIG. 3 (b
The electronic money record shown in -2) includes an IC chip 34.
The amount of electronic money stored in is stored. The storage format of the electronic money is arbitrary. For example, each electronic money unit (10,000 yen, 1,000 yen, $) and the storage amount are stored. FIG.
The transaction information table (b-3) is attribute information on the transaction person, and stores a transaction type, transaction content, or transaction history related to the insurance card owner in a table format. Using the entered trader's insurance card, a trade screen including a trade key related to a trader-specific transaction process set in advance is displayed (step 22).

This transaction screen will be described with reference to FIG. First, the insurance company attributes /
The attribute file shown in FIG. 4B is obtained from the transaction DB 1 via the server device 4 and the network 5. In this customer file, transaction characteristics of the customer are set, for example, such as marriage calendar 46 and main transaction 47. The transaction screen is displayed on the display means 10 in consideration of such customer characteristics.
FIG. 4 (a-1) shows one example. The transaction screen 41 is a screen for Mr. Tanaka who is an elderly person in the customer file,
Since the main transaction is an annuity, the frame and characters are displayed larger and larger than the transaction key 43 like the transaction key 42 and highlighted.
Also, if you have a particular deal to sell in the month,
It may be displayed larger like the transaction key 44 at the bottom of the screen. FIG. 4 (a-2) is a dedicated screen of Mr. Yamada of the newly-married household. Since there is a need for loan to Mr. Yamada, the loan is highlighted like a transaction key 45.

Next, from the transaction screen displayed on the display means 10 via the overall control means 9, information on the transaction key related to the transaction processing selected by the trader with the key input means 11 or the like is input (step 23). ). Here, one or more other cards required for the transaction are sequentially input from the card input means 12 (step 24), and the personal identification number is input from the key input means 11 (step 25). In this system, the other cards necessary for the transaction referred to here are cards which are affiliated with each other in the present system or cards which can perform bidirectional transaction processing. The card to be input is preferably displayed on the screen at the time of step 24 so as to inform the trader.

Here, the password is managed by the server device 4 shown in FIG. 1, and is stored in the form of a password table shown in FIG. The personal identification number table holds identification numbers and personal identification numbers for individual cards such as insurance card information 51, bank card information 52, and distribution card information 53. In the present embodiment, in the case of Mr. Tanaka who performs a lending operation, in addition to the personal identification number "2111" of the insurance card, the personal identification number "3111" of the bank to which the withdrawal is made is also input. This time is a lending operation, but in the case of a transaction that does not involve a withdrawal, such as a balance inquiry, only the password of the first input card needs to be input once. In the case of Mr. Yamada, the security card, the bank card, and the distribution card are all set to “5555”, so the user only needs to enter the password “5555” once for any transaction. I just need. In this case, it is not preferable to enter the same password in terms of security, but if the same password is input a plurality of times, the efficiency is low, so the operation is performed in this way (of course, the password may be input a plurality of times).

After inputting the password, the key input means 11
To enter the desired loan amount (step 26). At the same time as inputting the desired amount, it is possible to determine which company to borrow from the loan. For example, if the desired lending amount is 1,000,000 yen and the lending rate is low in the order of insurance company, bank, and distribution card company, 500,000 yen is the maximum lending amount from the insurance company and 500,000 is the maximum lending amount from the bank. Be able to lend a yen. It is also possible for a trader to specify a company to receive a loan. In the present embodiment, a case where a loan with a full lending upper limit is received will be described. After entering the desired loan amount, total the maximum loan amount (step 2
7) Deposit electronic money corresponding to the loan amount into the insurance card 31.

This sequence will be described with reference to FIG.
First, the insurance company transaction table shown in FIG. 6 (a-1) from the insurance company attribute / transaction DB1, the bank transaction table shown in FIG. 6 (a-2) from the bank attribute / transaction DB2, and the distribution card type attribute / transaction. The transaction table of the distribution card company shown in FIG. 6 (a-3) is taken into the server device 4 from the DB 3, and a lending upper limit file relating to the trader is generated as shown in FIG. 6 (b), and the lending upper limit of each table is created. Forehead 6
1, 62, and 63 are accumulated, and the total amount is displayed on the display means 10 via the client device 6. If the amount is within the desired loan amount input in advance, the loan amount is paid via the card input means 12 to the electronic money record 34 of the insurance card shown in FIG. Similarly, the loan balance may be stored in the loan balance storage device 13 in FIG.

As described above, a plurality of cards can be inserted into an automatic transaction apparatus connected to an insurance company, and processing with a plurality of companies can be performed in a single process.

Next, referring to FIG. 1, FIG. 2, FIG. 4, FIG. 7, and FIG.

In FIG. 7, first, the insurance card of the trader and cards required for inquiry are sequentially input from the card input means 12 (step 71). In the present embodiment, the assets and liabilities of the insurance company and the bank are referred to collectively.
Therefore, the insurance card is followed by the bank card. Next, a transaction screen is displayed (step 72).
This is similar to step 22 in FIG. From the displayed transaction screen, the key input unit 11 or the display unit 10
A transaction key of "inquiry" is inputted from the touch panel of (step 73). In this transaction screen, as in FIG. 4 (a-2), an inquiry in this transaction screen is selected. The "asset / liability" key is input from the "inquiry" transaction key in the same manner as in step 73 (step 74). Since this transaction screen is similar to the format of the first transaction screen, the description is omitted here. Next, although two cards have been input, here, only the personal identification number of the insurance card input first is input from the key input means 11 (step 7).
5). Entering only the PIN inserted first, and omitting the input of the PIN entered afterwards, the PIN corresponding to all cards is entered when there is no exchange of money as in the inquiry process This is because it is better to improve the operability of the trader than to increase the security. In addition, since the card on which the personal identification number is omitted is a process that does not involve disadvantage such as withdrawal, it is not necessary to perform a strict identity check using the personal identification number.

In response to this, the accumulated insurance premium 81, which is an asset item in the insurance company transaction table of FIG.
And the contractor loan amount 82, which is the debt item, and FIG.
The deposit balance 83, which is an asset item, and the card loan balance 84, which is a liability item, in the bank transaction table of -2) are extracted from the respective tables to generate an asset / liability table of FIG. 8B (step 76). ). At this time, FIG.
-1) and “NO.” In FIG.
"Name" and other items not related to "Assets and Liabilities" will not be displayed. If this “NO.” And “Name” are known to be the information of the person opening the screen, in this case, there is no need to display it on the screen, and the “transaction number”, “account number”, etc. Is merely information associated therewith, and in this case, it is not necessary to display this as well. The generated table is displayed on the display screen of the display means 10 (step 77). If it is desired to save the inquiry contents of the assets and liabilities, the inquiry contents of FIG.
Can also be stored.

Next, the insurance payment business will be described with reference to FIG. 1, FIG. 2, FIG. 6, FIG. 9, and FIG.

Referring to FIG. 9, first, the insurance card of the trader is input, and the transaction screen is displayed in the same manner as in steps 21 to 22 in FIG. 2 (step 91).
~ 92). A transaction key of “Insurance payment” is input from this transaction screen (step 93), which is performed in the same manner as step 73 in FIG. Next, a bank card for depositing insurance money is input from the card input means 12 (step 9).
4). Instead of a card, a card number may be input by the key input unit 11. Subsequently, only the personal identification number of the insurance card which is input first is input from the key input means 11 (step 95). In the case of a deposit, the password of the deposit destination is not required. This is because money is paid to the bank account, and is not a process that causes disadvantage such as withdrawal. Next, the amount of the insurance money to be paid is displayed on the transaction screen of the display means 10 via the network 5 from the insurance company transaction table shown in FIG. 6 (a-1) (step 96). The displayed result is displayed like a display 102 on a screen 101 in FIG. Next, the depositor of the paid insurance money is selected (step 97). In FIG. 10, the term deposit of the depositor 103 (1.5% per annum) and the savings deposit of the depositor 104 (0.7% per annum) are selected. After this selection, the user is asked to enter the amount of money to be deposited in the deposit account. This allows you to freely set which deposits you want to pay based on the annual rate. In the case of this embodiment, the transaction content 105 and the deposit balance 1 shown in FIG.
As shown at 06, time deposit 18 million yen, savings deposit 200
Ten thousand yen is designated, and each account is automatically opened and paid (step 98). Assignment of the opening account number may be performed in the order in which the opening request is sent to the server device 4 in FIG. 1 or may be serialized among the individual traders for easy management.

Next, a new insurance business is shown in FIG.
This will be described with reference to FIGS. 3, 11, and 12.

In FIG. 11, first, one card currently in business is inputted from the card input means 12 (step 111). In this embodiment, a card of a distribution card company is input. Next, from the general transaction screen displayed on the display means 10 by inputting the card, the key input means 1 is displayed.
The information of the transaction key of the new contract selected by 1 or the like is input (step 112), and the transaction screen of the new contract is displayed on the display means 10. The comprehensive transaction screen of FIG.
Since the card of the distribution card company is input, the transaction key of the distribution card company has priority and is displayed at the top of the screen. The new contract screen is displayed as shown in FIG. 12 (a-2) when the new contract application 121 of the transaction key is selected on the comprehensive transaction screen of FIG. 12 (a-1). Here, the information of the necessary items input to the application form 122 on the screen is obtained (step 113), the information of the necessary items input to the notice 123 below the information is obtained (step 114), and Is output as in the signature / seal history 124 as to whether or not there is signature and seal history information (step 11).
5). This signature / seal history is that of the input card of the distribution card company.

Finally, the method of paying the insurance premium is the first insurance premium 1
Input as in step 25 (step 116). Here, since the electronic money information is selected, in this case, the electronic money card will be input later. After a series of these processes, the insurance company attribute / transaction DB in FIG.
Is updated via the network 5 and the server device 4,
The new contract result is output (step 117). As a result, when the contract is concluded, the fact is displayed on the display means 10 like the contract concluded 126 in FIG. 12 (a-3), and the insurance policy receiving method is input (step 118). Here, when insurance policy information is input to the insurance card and the insurance card is requested to be sent, the information of the transaction key 127 for sending the insurance card is acquired and input to the chip 35 for storing the transaction information in FIG. Your insurance card. When the protection custody 128 is selected, the insurance company attribute / transaction DB
And output to the trader as needed by the trader.

Next, regarding the expiration of the insurance contract, FIG.
This will be described with reference to FIGS.

FIG. 13 shows a flow in the automatic transaction processing device when the insurance premium is paid.

First, FIG. 14 set in advance by the trader
Monthly insurance premium 14 in insurance company transaction table (a-1)
No. 3 of 50,000 yen is acquired (step 131), and subsequently, 40,000 yen of the ordinary deposit balance 144 in the bank transaction table of FIG. 14 (a-2) at the time of receiving the insurance premium is acquired (step 132). ). This is automatically performed at the timing of the payment date previously input by the trader. Next, the set monthly insurance premium is compared with the bank balance at the time of receiving the insurance premium (step 133). If the balance is equal to or greater than the premium, the policy is unconditionally continued (step 1).
34). If the balance is less than the premium amount,
Is displayed on the display means 10 of FIG. 1 together with the warning 152. Enter the insurance payment method from the displayed screen (step 13).
5) The electronic money payment method is the transaction key 153 in FIG.
If the number is input by the user, the insurance card is input from the card input means 12 (step 136), and "-10,000" of the balance excess / deficiency 145 in the balance comparison table of FIG.
The amount equivalent to “yen” is acquired by electronic money (step 1
37). If the payment method is not set, it automatically joins a bank card loan or a credit of a distribution credit company. In the case of joining a bank card loan, a card loan account is opened (step 138), and the balance is compensated for (step 139) and the contract is continued.
If you are subscribed to a credit from a distribution credit company,
A credit account is opened (step 140), and the balance is compensated for (step 141), and the contract is continued. As described above, in the case of the automatic subscription method set in advance by the server device 4 of FIG. 1, when the transaction key 156 is selected by the trader, the breakdown is displayed. In addition, depending on the variation of the selection method input by the trader, the trade key 154 and the trade key
It is also possible to input the amount distributed by the trader to the card loan balance 146 and the credit balance 147 of 4 (c-1) while watching the annual rate. Further, in step 135, if the payment method is not set and there is no payment, it is automatically revoked (step 142).

Finally, regarding the cancellation of the insurance contract, FIG.
This will be described with reference to FIGS.

In FIG. 16, first, the insurance card of the trader is input from the card input means 12 (step 16).
1). Next, a transaction screen 171 including the transaction key 172 of "cancellation" shown in FIG. 17A is displayed on the display means 10 (step 162), and the transaction key of "cancellation" is entered from the transaction screen by the key input means 11 (Step 16
3). In response, a guidance transaction key for switching to the insurance product as shown in FIG. 17B is displayed on the display means 10 (step 164). As shown in FIG.
If there is a product switching request by the transaction key 173 or the transaction key 174, information relating to the request is displayed. The size of the transaction key for switching the product is set larger in advance than the transaction key 175 for canceling. At this point, if "cancellation" is designated, the cumulative insurance premium 17 is displayed as shown in the cumulative insurance premium / cancellation refund guide screen of FIG.
6. The surrender value 177 and the key 178 for the guide of the refunded money to the bank are displayed (step 165). When the deposit guide transaction key 178 is selected, a cancellation process is executed (step 166). When the “return screen” transaction key 179 is selected, the product is displayed on the insurance product switching guide screen of FIG. 17B. Can be switched.

In this embodiment, the case of remittance of electronic money has been described. However, the case of receiving insurance premiums is realized by the reverse method. That is, this is a method in which the electronic money of the insurance card input by the trader is stored in the server device 4 via the network 5.

The preferred embodiment of the present invention has been described above with respect to various services in insurance transactions. In particular, settlement can be applied to bank transactions, distribution card transactions, and the like. It is also possible to perform the same processing using the ATM installed in the bank.

[0049]

As described above in detail, according to the present invention, a single transaction terminal utilizes a plurality of cards of different types of business and uses a plurality of cards which can efficiently carry out various insurance operations. Various types of transaction processing execution methods can be provided.

[Brief description of the drawings]

FIG. 1 is a configuration diagram of an apparatus for implementing the present invention.

FIG. 2 is a processing flowchart showing an embodiment of a lending operation according to the present invention.

FIG. 3 is a diagram showing a configuration of an insurance card, an attribute information record, an electronic money record, and a transaction information table.

FIG. 4 is a diagram showing a transaction screen of an elderly person and a newly married household and an attribute file.

FIG. 5 is a view showing a personal identification number table managed by the server device.

FIG. 6 is a diagram showing a transaction table and a lending upper limit file in an insurance company, a bank, and a distribution card company.

FIG. 7 is a processing flowchart showing an embodiment of an inquiry business according to the present invention.

FIG. 8 is a diagram showing a transaction table and an asset / liability table of an insurance company and a bank.

FIG. 9 is a processing flowchart showing an embodiment of an insurance payment business according to the present invention.

FIG. 10 is a diagram showing a payment screen of a paid insurance money and a deposit file of an established account.

FIG. 11 is a processing flowchart showing an embodiment of a new contract business according to the present invention.

FIG. 12 is a view showing a comprehensive transaction screen, a new contract screen, and a contract conclusion / securities issuance screen.

FIG. 13 is a processing flowchart showing an embodiment relating to the expiration of an insurance contract according to the present invention.

FIG. 14 is a diagram showing a transaction table of an insurance company and a bank, a balance comparison table, and an open account record.

FIG. 15 is a view showing a selection screen of an insurance payment method.

FIG. 16 is a processing flowchart showing an embodiment relating to cancellation of an insurance contract according to the present invention.

FIG. 17 is a view showing a transaction screen including a transaction key of “cancellation”, an insurance product switching guidance screen im, and a cumulative insurance premium / cancellation refund guide screen.

[Explanation of symbols]

 31 Insurance Card 32 Input Direction 33 Magnetic Stripe 34 Electronic Money Chip 35 Transaction Information Chip 41 Transaction Screen 42 Transaction Key Emphasizing Size 43 Transaction Key of Standard Size 44 Transaction Key of Customer-Specific Information 45 Another Transaction Transaction key emphasized on the screen 101 Payment screen for insurance claims paid 102 Display format of insurance claims paid 103 Transaction key for time deposit 104 Transaction key for savings deposit 121 Transaction key for new contract application 122 Application input format 123 Notification input format 124 Signature / stamp history display format 125 Initial insurance premium input format 126 Display format of contract conclusion result 127 Transaction key for sending insurance policy 128 Transaction key for safekeeping 151 Selection screen for premium payment method 152 Display format for insurance shortage result 53 Transaction key for electronic money 154 Transaction key for card loan subscription 155 Transaction key for credit subscription 156 Transaction key for breakdown information of automatic subscription 171 Transaction screen including transaction key for “cancellation” 172 Transaction key for cancellation 173 Promotion of insurance rank up Transaction key 174 Insurance rank down transaction key 175 Insurance product switching guide screen transaction key 176 Cumulative premium display format 177 Cancellation refund display format 178 Transaction key for refund payment to bank 179 Screen return transaction Key

Claims (10)

[Claims] 1. A transaction system for executing various transactions with a plurality of institutions from a transaction processing device using one or a plurality of transaction cards, receiving a transaction card of a trader, and providing a password corresponding to the transaction card. Check the number, display the transaction key screen showing the transaction keys available for the service, acquire the transaction key related to the transaction processing selected by the trader, and accept one or more other transaction cards required for the transaction , Determine the necessity of inputting the PIN for other transaction cards, and trigger the input of the PIN of the transaction card that is determined to be necessary to trigger the transaction processing across multiple companies. Multiple types of transaction processing execution methods used. 2. The method according to claim 1, wherein the input of the personal identification number of another transaction card when performing the transaction processing is omitted when the processing for the other transaction card does not involve the withdrawal of money. 2. A plurality of types of transaction processing execution methods using the card according to 1. 3. The method according to claim 1, wherein the input of the personal identification number of another transaction card at the time of performing the transaction processing is not permitted if the processing for the other transaction card involves the withdrawal of money. A method for executing a plurality of types of transaction processing using the card according to claim 2. 4. The transaction card according to claim 3, wherein attribute information relating to a trader is stored in the transaction card, and the transaction processing selection screen is changed and displayed based on the attribute information. Different types of transaction processing execution methods. 5. The transaction process includes a loan process from a plurality of financial institutions. In the case of the loan process, the total amount of the loan balance of a plurality of transaction cards is calculated and the accumulated amount is displayed. 4. A plurality of kinds of transactions using a card according to claim 3, wherein a loan amount from a trader is input, and the input loan amount is allocated to a plurality of financial institutions to perform a loan process. Processing execution method. 6. The transaction process includes an inquiry process from a plurality of financial institutions. In the case of the inquiry process, attribute information and transaction information on the accepted transaction card are merged and held by a plurality of companies. 2. A method for executing a plurality of types of transaction processing using a card according to claim 1, wherein the attribute information is totalized and displayed on a screen. 7. The transaction process includes an insurance payment process,
2. The card according to claim 1, wherein information for selecting whether or not the paid insurance money is to be deposited at the bank is obtained, and when depositing, the transaction account of the bank is automatically opened. Multiple types of transaction processing execution methods. 8. When opening a bank account, the bank may obtain information on an application form and a notice entered by a trader, and sign and seal the information in advance when applying for another bank or distribution card. 8. The method for executing a plurality of types of transaction processing using a card according to claim 7, wherein a new insurance policy is executed based on the presence or absence of the signature and the seal and the amount of money owned. 9. The transaction processing includes insurance premium payment processing. In the payment processing, if there is no balance in the bank account,
2. A method for executing a plurality of types of transaction processing using a card according to claim 1, wherein the processing for joining a card loan of a bank or a credit of a distribution card company is executed. 10. The transaction processing includes a cancellation processing of an insurance premium, and in the cancellation processing, upon acquiring cancellation information from a trader, a processing of transferring a cumulative insurance premium or a surrender value to a bank account is executed. A method for executing a plurality of types of transaction processing using the card according to claim 1.