JP2001307194A - Method for issuing information, information issuing terminal equipment and server device for issuing information - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an information issuing system capable of issuing information by securing the privacy or security of a user in an open space such as a store. SOLUTION: This method is provided with a first connection process (S1) for performing connection with a server device, an application stage subject confirming process (S2) for confirming whether an applicant is the subject or not, an application contents receiving process (S4) for receiving issuing application contents, a first disconnecting process (S6) for disconnecting communication, an issuing propriety judging process (S7) for judging whether information should be issued or not, a second connection process (S8) for performing connection with the server device, an issuing stage subject confirming process (S9) for confirming whether an information issuing requesting person is the same as the applicant or not, an information storing process (S12) for storing information to be issued to a prescribed recording medium when information issuing is judged, to be possible a medium output process (S13) for outputting a medium where information is stored, a second disconnecting process (S17) for disconnecting communication between a remote terminal and the server device.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to, for example, an information issuing method, an information issuing terminal device, and an information issuing method for accepting issuance of information in an open space and issuing a medium (for example, a personal loan card) storing the information. Related to the issuing server device.

[0002]

2. Description of the Related Art In recent years, attention has been paid to a system in which a personal loan contract terminal device is installed in a closed space such as an unmanned store and receives an application for a personal loan contract online for credit.

[0003] The personal loan contract terminal device used in this system includes an imaging camera for capturing a face image of the applicant, an image scanner for scanning the application form, and a user interface such as a display and a keyboard. Then, the user performs the two-way communication with the host device installed in the loan company using the personal loan contract terminal device, thereby receiving the credit of the personal loan without going to the manned store of the loan company. That makes it possible.

In such a credit system using a remote terminal, in addition to securing the privacy of the user,
Although security measures such as switching between applicants are important, conventional systems have been devised so that these problems do not need to be considered so much by using closed spaces that are not exposed to the public. ing.

[0005]

By the way, in recent years, transmission of information using an open space of a store such as a convenience store and ATM machine service of a bank have been performed, and the convenience of users has increased. ing.

[0006] If a personal loan contract can be installed in such an open space instead of the conventional exclusive closed space, it is expected that the convenience will be remarkably improved. However, in such an open space, not only is there a problem in securing the privacy of the user, but also there is a problem in that an unauthorized loan card can be obtained due to the replacement of the user during the application. For this reason, at present, such personal loan contract machines have not been installed in open spaces.

[0007] The present invention has been made in view of such circumstances, and can solve the above-mentioned problems and can issue information while ensuring the privacy and security of users in open spaces such as stores. It is intended to provide an information issuing system.

A further object of the present invention is to provide an information issuing system in which a personal loan contract terminal is installed in an open space such as a store so that a loan card can be issued.

[0009]

According to a first aspect of the present invention, there is provided an information issuing method for issuing information from a server device based on an application from a remote terminal. A first connection process for connecting the remote terminal to the server device, an application identification process for confirming whether or not the applicant for information issuance application is the identity, and an identity confirmation process. An application content receiving step of receiving input of issuance application content from the applicant, a first disconnection step for disconnecting the remote terminal from the server device, and determining whether information can be issued based on the application content. Issuance determination step, a second connection step for connecting the remote terminal and the server device, and an issuance identity confirmation step for confirming whether a person requesting information issuance is the same as the applicant. Issuance of information An information storing step of storing information to be issued on a medium provided in the remote terminal in a case where it is determined that the information can be issued in the rejection determining step, and a medium output step of outputting a medium storing the information And a second for disconnecting the remote terminal from the server device.
And an information issuing method. Here, it is preferable that the remote terminal is placed in an open space. Further, it is preferable that a plurality of the remote terminals are provided, and the remote terminals are allowed to be different between the first connection step and the second connection step.

According to such a configuration, the process for applying for information issuance (the first connection) and the process for issuing the information (the second connection) can be separated. This eliminates the need for the user to wait in front of the remote terminal for issuing information, even when time is required. According to such a configuration, the first connection and the second connection can be performed by different information issuing terminal devices. Thus, the application for information issuance and the information issuance can be performed at different places, so that privacy of the user can be easily secured.

According to one embodiment, the application content receiving step checks whether the applicant confirmed in the application identification step and the person who entered the application content are the same. Is to refuse to accept the application content.

[0012] According to such a configuration, it is possible to prevent the user from being switched between the first identity verification process and the time of receiving the application content, thereby ensuring the security of information issuance. Becomes easier.

According to the first embodiment, a password registration step of receiving and registering a password from a user, and outputting the medium in the medium output step, and then inputting the password. And when the password matches the password registered in the password registration step, a use permission step of permitting use of the medium.

According to such a configuration, it is possible to prevent a difference between a user who has made an application and a person who has received the medium, thereby facilitating security.

According to one embodiment, a reception number providing step for providing a reception number to a user before the first disconnection step and an input of the reception number after the second connection step are received. An applicant identification step of identifying an applicant.

According to such a configuration, even if the remote terminal used differs between the first connection step and the second connection step, it is easy to specify the contents of the application.

According to a second main aspect of the present invention, there is provided an information issuing terminal device which stores information transmitted from a server device in a medium and issues the information, and obtains information for identifying a user from a user. Application-time identity confirmation information acquisition means for transmitting to the server device, and application content acquisition means for acquiring the application content based on the identity confirmation performed by the server device and transmitting the application content to the server device, A received information issuing means for issuing the received information based on the obtained information, an information issued information obtaining means for obtaining the information issued information presented by the user and transmitting the information to the server device, and Means for transmitting personal identification information at the time of information issuance for acquiring information for confirmation and transmitting the information to the server device, and the information transmitted from the server device based on the fact that the server device has performed personal identification. And information storing means for storing broadcast to medium that is provided in advance to the remote terminal, the information issuing terminal apparatus characterized by having a medium output means for outputting the medium storing the information is provided.

According to such a configuration, an information issuing terminal device applicable to the information issuing method according to the first aspect can be obtained.

According to a third main aspect of the present invention, there is provided an information issuing server device for transmitting information requested to be issued to an information issuing terminal device. Personal identification information storing means for receiving and storing the information of the personal identification information, and personal identification result notifying means for performing personal identification based on the personal identification information stored in the personal identification information storing means and transmitting the result to the information issuing terminal device. From the information issuing terminal device, an application content storage means for receiving and storing the application content of the user, and a received information storage means for storing received information issued to the user based on the acquisition of the application content. Means for determining whether or not predetermined information can be issued based on the contents of the application; and receiving information issued information presented by the user from the information issuing terminal device. Receiving the information for confirming the identity of the user from the application content specifying means for specifying the content of the application and the information issuing terminal device; It is determined whether or not the user is an identity, and an identity confirmation result notifying means for transmitting the determination result to the information issuing terminal device, and the information issuing permission / non-permission determining means determines that the information can be issued based on the identity confirmation. And an information issuing unit for transmitting the received information to the information issuing terminal device.

According to such a configuration, it is possible to obtain an information issuing server device applicable to the information issuing method according to the first aspect.

The other features and remarkable effects of the present invention will be clearly understood by referring to the following description of embodiments of the invention and the accompanying drawings.

[0022]

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

FIG. 1 is a block diagram showing a processing procedure, and FIG. 2 is a schematic configuration diagram of a system.

The information issuing system of the present invention has an information issuing server device 1 located in a financial institution and information issuing terminal devices 2a and 2b installed in an open space of a store such as a convenience store. In this example, a first information issuing terminal device 2a is installed in a store A, and a second information issuing terminal device 2b is installed in a store B. Each of the information issuing terminal devices 2a and 2b issues the information issuance via, for example, an ISDN line. A dial-up connection with the server device 1 is made.

The information issuing terminal devices 2a and 2b receive an information issuance request from a user, transmit the information issuance request to the server device 1, and store the information received from the server device 1 in a storage medium such as a magnetic card for use. Issued to the public. Various information can be assumed as the information that can be stored on the magnetic card. In this example, the case where personal loan information for providing a personal loan service in a store is stored on a magnetic card (loan card) and issued. explain.

(Information issuing terminal device) First, the information issuing terminal devices 2a and 2b will be described with reference to FIG.
Since the terminal devices 2a and 2b have the same configuration,
Only the terminal device 2a will be described.

As described above, the information issuing terminal device 2a (2b) is a contract terminal for executing credit and contract of a personal loan, and an input / output device such as a display and a keyboard for responding to a user. 5, an imaging camera 6 for imaging a user's face, a scanner device 7 for reading a contract, a card issuing device 9 for writing and issuing information on a magnetic card prepared in advance in the terminal device 2a, Communication modem 1 for communicating with server device 1
0, CPU 11 and RAM 12 are connected via a bus indicated by 15 in FIG.

The bus 15 is connected to a program storage unit 16 for storing a program for executing a service according to the present embodiment. The program storage unit 16 includes, in addition to a main control program (not shown), an application reception unit 17 for receiving an application for issuing the card and a card for issuing a card in which information is stored in accordance with the application. Issuing section 18 and card use permitting section 19 for permitting use of this card after card output
And are stored. These programs are called by the RAM 12 as needed, and are executed by the CPU 11.

[0029] The application receiving unit 17 includes the imaging camera 6.
The application-time personal image acquisition unit 20 (first personal identification information acquisition unit) that acquires the user's face image and transmits it to the server device 1 based on the fact that the server device 1 has performed personal identification. An application content acquisition unit 21 for acquiring an application content from a user and transmitting the application content to the server device 1; and an application image for acquiring an application content for acquiring a user's face image when acquiring the application content and transmitting the image to the server device 1. Acquisition unit 22 (second identification information acquisition unit) and reception number issuing unit 24 for issuing a reception number (accepted information) to the user based on the acquisition of the application content
And

The card issuing unit 18 obtains a reception number presented by the user and transmits it to the server device 1. The card issuing unit 18 obtains a face image from the user and transmits it to the server device 1. Identification information acquisition unit 27 when issuing information
(Third personal identification information acquisition unit), and based on the identification performed by the server device 1, the information transmitted from the server device 1 is stored in the magnetic card 8 provided in the terminal device in advance. An information storage unit 28 stored in the magnetic unit and a magnetic card 8 storing the information are stored in the card issuing device 9.
And a card output command section 29 (medium output section) for outputting from the CPU.

On the other hand, at the time of application, the card use permitting section 19 obtains a personal identification number from a user and transmits it to the server device 1. Is issued after the issuance of the personal identification number, the input of the personal identification number is accepted, and the inputting personal identification number is determined by the server device 1 to determine whether the input personal identification number matches the personal identification number acquired by the first personal identification number acquisition part 32. The second password input receiving unit 33 to be transmitted to the server device 1
When the information based on the matching of the personal identification numbers is received from the server device 1, the use of the magnetic card storing the information for the user, that is, the use of the magnetic card 8 A use permission notifying unit 34 for notifying the user of a loan application permission.

(Information Issuing Server) Next, the information issuing server 1 for issuing information to be stored on a magnetic card to the information issuing terminal will be described with reference to FIG.

The information issuing server device 1 includes a communication modem 4 for connecting to the information issuing terminal devices 2a and 2b.
A data storage unit 48 for storing various data and a program storage unit 47 for issuing information are provided in a bus 46 to which an input / output device 41 such as a display and a keyboard for the operator to respond, a CPU 43, a RAM 44, and the like are connected. Be connected.

The data storage unit stores the information issuing terminal device 2
a personal identification information storage unit 53 for storing personal identification information received from a, that is, personal identification data such as a face image and a license, an application content storage unit 55 for receiving and storing the loan application content of the user, Number storage unit 58 for storing the reception number issued to the user, password number storage unit 57 for storing the password of the user, and issuance information storage for storing information to be issued to the user (information to be stored in the card) And a customer information storage unit 66 for storing information of users who have become customers.

On the other hand, in the program storage unit 47, in addition to a main program (not shown), a user's application for a personal loan contract (request for issuing information to be stored in the magnetic card 8) received from the information issuing terminal device 2 is stored. An application processing unit 49 for receiving and processing, an information issuance determination unit 50 (information issuance determination unit) for determining whether a personal loan contract can be concluded, and issues information stored in the magnetic card 8 based on the application. And an information issuance processing unit 51 are stored.

First, the application processing unit 49 confirms the user's identity based on the user identification information stored in the user identification information storage unit 53, and transmits the result to the information issuing terminal device 2. 1) and a face image of the user acquired by the information issuing terminal device 2 at the time of acquisition of the application content stored in the application content storage unit 55, and the user receives the user's face image at the time of the first application. It has a personal identification unit 56 (second personal identification unit) at the time of acquisition of the application content to determine whether they are the same. The application processing unit receives the personal identification number for card use permission acquired from the user and stores the personal identification number in the personal identification number storage unit 57. In addition, a reception number is assigned based on the acquisition of the application content, issued to the information issuing terminal device 2a (user), and stored in the reception number storage unit 58.

The information issuing permission / inhibition judging unit 50 may automatically judge whether the information is issued based on a predetermined judgment algorithm, or presents information for judging whether the contract is acceptable to the operator. Alternatively, the determination result may be accepted.

The information issuance processing unit 51 receives an acceptance number presented by the user from the information issuance terminal device 2 and specifies an application content identification unit 60 for specifying the application content. It receives a face image for identity verification, determines whether the user is the identity of the applicant related to the application content specified by the application content specifying unit 60, and transmits the determination result to the information issuing terminal device 2. The personal identification unit 61 (third identification unit) and the information issuance determined by the information issuance determination unit 50 based on the identity confirmation being transmitted to the information issuing terminal device 2. Information issuing unit 62 and the information issuing terminal device 2
A password input after issuing information to the user is received, and the password is stored in the password storage unit 5.
And a card use permitting unit 63 (information use permitting unit) for judging whether the password matches the password stored in step 7 and permitting use of the information when the password matches the password.

(Operation of the System) The operation of this system will be described below with reference to the flowchart shown in FIG. 1 and screen examples of the information issuing terminal devices 2a and 2b shown in FIG.

In this example, the user applies for a personal loan using the information issuing terminal device 2a installed in the store A, and the user issues an information loan terminal device 2a installed in the store B different from the store A.
It is assumed that a personal loan card (a medium in which issuance information is stored) is received in b.

(Procedure for Applying for Personal Loan) First, the processing procedure for applying for a personal loan will be described with reference to FIGS. In each figure, A-1 to A-24 are screen display examples displayed on the display screen (input / output device 5) of the information issuing terminal device 2a installed in the store A.

First, the user selects a process on the screens A-1 and A-2. In this example, a loan application is selected in A-2. Next, the information issuing terminal device 2a describes the contents of the personal loan service provided in this embodiment on screens A-3 to A-4, and describes the handling of personal identification information on screens A-5 to A-8. I do. Then, when the user who agrees with these explanations presses the application button on screen A-8, the information terminal device 2a establishes a first connection by dialing up with the server device 1 (screen A-9 and step S1 in FIG. 1).

When the first connection is established, the screen A-1
At 0 to A-14, an input of personal identification information (individually, a license) is requested. At this time, the application-time personal image acquisition unit 20 acquires the user's face image by the imaging camera 6, and transmits the user's facial image to the server device 1 together with the input personal identification information (step S2). Server device 1
Stores this information in the identity verification information storage,
By matching the license with the face image, the first
(Step S3).

Next, the application content acquisition unit 21 displays the screen A-
15 to A-20 request input of an application form and an answer (application content) to a question required for loan examination. At this time, the application-time personal image acquisition unit 20 acquires a user's face image using the imaging camera 6. These pieces of information are transmitted to the server device 1 in step S4 in FIG.

The server device 1 stores the information in the application content storage section 54 and performs the second identity verification (step S5) by the identity verification section 22 at the time of the acquisition of the application content, so that the application content is first and foremost. Check if there is a change in the user when entering. When the above steps are completed,
The server device 1 assigns a reception number, and stores the reception number
And sends it to the information issuing terminal device 2 (step S5). The receipt number issuing unit 24 of the information issuing terminal device 2a displays the screen A-21 and notifies the user of the receipt number. The notification of the reception number may be made by the user directly communicating (conversing) with the operator.

When the above processing is completed, the information issuing terminal device 2a displays a notice of the examination result and a guidance screen for receiving the card on the screen A-23, and displays the screen A-23.
At -24, the reception process ends. Thus, the information issuing terminal device 2a disconnects the communication with the server device 1 (first disconnection process: step S6) (information issuance determination). The information issuance determination unit 5 of the server device 1 based on the disconnection of the first connection between the server device 1 and the server device 1
0 determines whether or not information can be issued (step S7).
That is, the information issuance determination section 50 determines whether or not a personal loan contract can be executed based on the application content stored in the application content storage section 55.

Next, the information issuance determination section 50
The result of this determination is stored in the application content storage unit 55, and when a personal loan contract is possible, the user information is stored in the customer information storage unit 66 as customer information. The information issuance determination section 50 stores information to be stored in the personal loan card in the issuance information storage section 65.

This information issuance determination is completed in about 10 to 20 minutes, depending on the performance of the server device.

(Personal Card Issuing Procedure) Next, a processing procedure at the time of applying for a personal loan will be described with reference to FIGS. In each figure, B-1 to B-16 are screen display examples displayed on the display screen (input / output device 5) of the information issuing terminal device 2b installed in the shop B.

The user selects the same screen B-
In step 1, the user checks the examination result and selects a card issue button. Next, the information issuing terminal device 2b displays the screen B
-3 to B-4, establish a second connection with the server device 1 and receive an input of a reception number from the user;
The data is transmitted to the server device 1 (step S8).

The application content specifying unit 60 of the server device 1 accesses the application content storage unit 55 and the customer information storage unit 66 based on the reception number, specifies the application content and the customer, and obtains the information issuing terminal device 2b. Notify. The information issuing terminal device 2b displays the specified user name on the screen B-5. Then, the procedure is continued based on the pressing of the confirmation button on this screen B-5.

At this time, the information issuance personal information acquisition unit 27 of the information issuing terminal device 2b acquires the user's face image using the imaging camera 6 and transmits it to the server device 1 (step S9). . The card-identification-identification unit 61 of the server device 1 stores the face information and the identification-information storage unit 5.
3 by checking the personal identification information stored in the storage device 3 with the user accessing the information issuing terminal device 2a of the store A;
It is determined whether the user who accessed the information issuing terminal device 2b of the store B is the same (third identity verification: step S10).

If it is determined that they are the same, the information issuing unit 62 of the server device 1 extracts the information issuance determination from the application content storage unit 55, that is, the result of the determination as to whether or not the individual loan contract is accepted, and retrieves the information. The information is transmitted to the information issuing terminal device 2b. If the information can be issued, the information to be stored in the personal loan card is retrieved from the issuance information storage unit 65 and transmitted to the information issuing terminal device 2b (step S11).

The information issuing terminal device 2b notifies the user of the examination result on the screens B-7 and B-8. If a personal loan contract can be concluded, the user can press the change button on screen B-8 to display screen B-9 and change the usage limit. On the other hand, screen B-
By pressing the confirmation button at step 8, screens B-10 and B-
At 11 a description of the contract is displayed.

When the confirmation button is pressed on the screen B-11, the information storage unit 28 of the information issuing terminal device 2b stores the information received from the server device 1 in the magnetic part of the magnetic card provided in advance in the terminal device 2b. Is stored (step S
12).

(Card Use Permission Procedure) Next, before the magnetic card is output from the information issuing terminal device 2b, the card use permission section 19 is activated and the card use permission procedure is executed.

In the card use permitting section 19, the first password acquiring section 32 acquires the password from the user on the screen B-12. Based on the input of the password, the card output command unit 29 is activated, and the magnetic card storing the information is output to the outside of the apparatus (step S1).
3). At this time, a card number unique to this card is stored in the personal identification number storage unit 57 in a state associated with the personal identification number.

After this card is output, screen B-13
Is displayed. When the user inputs the card number described on the card surface and the password on this screen B-13, the password is transmitted to the server device 1 (step S14). The card use permission unit 63 of the server device 1 determines whether the personal identification numbers match (step S15), and based on the match, determines whether the personal identification numbers match each other.
6 to release the restriction on the use of the personal loan card for the customer (step S16).

Next, the server device 1 notifies the information issuing terminal device 2b that the card use restriction has been released, and disconnects the communication (step S17). And
The information issuing terminal device 2b displays screens B-15 and B-16.
Is displayed to end all the procedures.

(Effects of Embodiment) According to the configuration described above, in an information issuing system such as a personal loan card which requires security and privacy of the user, the information issuing terminal device is placed in an open space. Even if there is, it is possible to provide an information issuing system that can easily secure them.

That is, in a system for issuing a personal loan card using a remote terminal, it is important to secure the privacy of the user and to take security measures such as replacement of the applicant during the application. By using a closed space that is not exposed to the eyes of the eyes, these problems have been devised so that they need not be considered so much.

On the other hand, in recent years, transmission of information using an open space of a store such as a convenience store, and ATM machine service of a bank have been performed, and the convenience of users has increased. For personal loan contracts,
If it can be installed in such an open space instead of the conventional closed space, it is expected that the convenience will be greatly improved. However,
In such an open space, not only is there a problem in securing the privacy of the user, but also there is a problem that an unauthorized loan card can be obtained due to the replacement of the user during the application. For this reason, such personal loan contract machines have not been installed in open spaces.

On the other hand, according to the above embodiment,
The application process for issuing a personal loan card can be separated from the process for issuing a personal loan card, so that the user does not have to stand in front of a terminal installed in an open space during the time required for credit. You can do it. As a result, the privacy of the user is easily ensured, and the user is not restrained for a long time, so that it is easy to adapt to the convenience of the user.

That is, since the personal loan card can be received at a store or an information issuing terminal device different from the time of the application, even if the credit for issuing the card takes a long time, the user can provide a flexible response. Will be possible.

Further, according to the above-described embodiment, in both the application process for issuing a personal loan card and the process of issuing a personal loan card, the identity is confirmed, and it is determined whether the applicant and the card receiver are the same. I did it. Further, in the card application process, the identity of the user is confirmed between the time of connection to the server device and the time of inputting the application content required for credit, thereby preventing the user from being replaced during the application process.

This facilitates security, which is a drawback in open spaces.

The present invention is not limited to the above-described embodiment, but can be variously modified without changing the gist of the invention.

For example, in the above-described embodiment, the case where the information issuing method of the present invention is applied to the application for a personal loan contract has been described as an example, but the application object is not limited to this. For example, the present invention can be applied to issuance of a credit card. In short, the present invention can be applied to a business requiring a long time to determine whether or not to issue information, such as credit.

In the above-described embodiment, an example has been described in which all processes of the server device are automatically performed by the system, but the present invention is not limited to this. An operator may operate a server device or a terminal device connected to the server device to perform part or all of the above-described processing.

[0070]

As described above, according to the present invention, it is possible to provide an information issuing system capable of issuing information while ensuring privacy and security of a user in an open space such as a store.

According to the present invention, there is provided an information issuing system in which a personal loan contract terminal is installed in an open space of a store or the like so that a personal loan contract can be applied and a personal loan card can be issued. Can be.

[Brief description of the drawings]

FIG. 1 is a flowchart showing a processing procedure according to an embodiment of the present invention.

FIG. 2 is a block diagram showing an information issuing terminal device.

FIG. 3 is a block diagram showing an information issuing server device.

FIG. 4 is a diagram showing an example of a screen display according to a processing order in the information issuing terminal device.

FIG. 5 is a diagram showing an example of a screen display according to a processing order in the information issuing terminal device.

FIG. 6 is a diagram showing an example of a screen display according to a processing order in the information issuing terminal device.

FIG. 7 is a diagram showing an example of a screen display according to a processing order in the information issuing terminal device.

FIG. 8 is a diagram showing an example of a screen display according to a processing order in the information issuing terminal device.

FIG. 9 is a diagram showing an example of a screen display according to a processing order in the information issuing terminal device.

FIG. 10 is a diagram showing an example of a screen display according to the processing order in the information issuing server device.

FIG. 11 is a diagram showing an example of a screen display according to a processing order in the information issuing server device.

FIG. 12 is a diagram showing an example of a screen display according to a processing order in the information issuing server device.

FIG. 13 is a diagram showing an example of a screen display according to a processing order in the information issuing server device.

[Explanation of symbols]

 A: Store B: Store 1: Information issuing server device 2a: First information issuing terminal device 2b: Second information issuing terminal device 5: Input / output device 6: Imaging camera 7: Scanner device 8: Magnetic card 9: Card Issuing device 10 Communication modem 11 CPU 12 RAM 15 Bus 16 Program storage unit 17 Application accepting unit 18 Card issuing unit 19 Card use permitting unit 20 Image acquisition unit at the time of application 21 Application contents acquisition unit 22 ... Principal confirmation unit at the time of application content acquisition 24 ... Receiver number issuing unit 26 ... Receiver number acquisition unit 27 ... Personal confirmation information acquisition unit at the time of information issuance 28 ... Information storage unit 29 ... Card output command unit 32 ... First personal identification number acquisition Unit 33: second password input receiving unit 34: use permission notifying unit 40: communication modem 41: input / output device 43: CPU 44, RAM 46, bus 47, program Storage unit 48 ... Data storage unit 49 ... Application processing unit 50 ... Information issuance determination unit 51 ... Information issuance processing unit 53 ... Personal identification information storage unit 54 ... Person identification unit at the time of application 55 ... Application contents storage unit 56 ... Application contents acquisition Time identification unit 57: PIN storage unit 58: Reception number storage unit 60: Application content identification unit 61: Identity verification unit at the time of card issuance 62: Information issuance unit 63: Card use permission unit 65: Issuance information storage unit 66: Customer Information storage

Claims (20)

[Claims] 1. An information issuing method for issuing information from a server device based on an application from a remote terminal, comprising: a first connection step for connecting the remote terminal to the server device; An identity verification process at the time of application to confirm whether the applicant making the application is the identity of the applicant, an application content acceptance process of receiving the input of the issuance application content from the applicant based on the identification, a remote terminal and a server device A first disconnection step for disconnecting the server, an issuance determination step for determining whether information can be issued based on the application content, and a second connection step for connecting the remote terminal and the server device. In the issuance identity confirmation step for confirming whether the person who requests the issuance of the information is the same as the applicant, and in the information issuance determination step, if it is determined that the information can be issued, the information is stored in a predetermined storage medium. An information storage step of storing information to be performed, a medium output step of outputting a medium storing the information, and a second disconnection step of disconnecting the remote terminal and the server device. Information issuance method. 2. The information issuance method according to claim 1, wherein the application content receiving step checks whether the applicant confirmed in the identity verification step at the time of application is the same as the person who entered the application content, An information issuance method characterized by rejecting application contents if they are not the same. 3. The information issuing method according to claim 1, further comprising: a password registration step of receiving and registering a password from a user; and outputting the medium in the medium output step. Requesting the input of a personal identification number, and, if the personal identification number matches the personal identification number registered in the personal identification number registration step, a use permission step of permitting use of the medium. . 4. The information issuing method according to claim 1, wherein the remote terminal is placed in an open space. 5. The information issuing method according to claim 1, wherein a plurality of the remote terminals are provided, and the remote terminals are allowed to be different between a first connection step and a second connection step. An information issuance method characterized in that: 6. The information issuing method according to claim 1, wherein a reception number is provided to a user before the first disconnection step, and the reception number is input after the second connection step. An information issuance method, further comprising: an applicant identification step of identifying an applicant by performing the operation. 7. The information issuance method according to claim 1, wherein the information issued by the information issuance method is information stored in a personal loan card. An information issuing method characterized by making a judgment. 8. The information issuance method according to claim 1, wherein the information issuance determination step is performed for crediting a user. 9. An information issuing terminal device for storing information transmitted from a server device in a medium and issuing the information, wherein information for identifying the user is obtained from a user and transmitted to the server device at the time of application. Information acquisition means, application content acquisition means for acquiring the application content based on the identity confirmation performed by the server device, and transmitting the application content to the server device; and Means for transmitting identity verification information to be transmitted to the apparatus; information storage means for storing information transmitted from the server apparatus in a predetermined storage medium based on identification performed by the server apparatus; An information issuing terminal device comprising: a medium output unit that outputs a medium storing information. 10. The information issuing terminal device according to claim 9, further comprising: an accepted information issuing means for issuing accepted information based on the acquisition of the application content; and an information issued information presented by a user. And an information-issued information acquisition means for acquiring the information and transmitting the information to a server device. 11. The information issuance terminal device according to claim 10, wherein, when the application content is acquired by the application content acquisition unit, information for identifying the user is acquired from the user and transmitted to the server device. An information issuance terminal device, further comprising a personal identification information acquisition unit when acquiring. 12. The information issuing terminal device according to claim 10, further comprising: a password acquisition unit for acquiring a password from a user and transmitting the password to a server; and outputting the medium by the medium output unit. rear,
Receiving the input of the password, and receiving the input of the password to be transmitted to the server in order to determine whether the input password matches the password obtained by the password obtaining means in the server. Means for notifying the user of permission for use of the medium storing the information, when receiving information based on the matching of the personal identification numbers from the server device; An information issuing terminal device comprising: 13. The information issuing terminal device according to claim 10, wherein the information issuing terminal device is placed in an open space. 14. The information issuing terminal device according to claim 10, wherein the information issuing terminal device has a photographing means for photographing a user, the application identification personal information acquisition means and the information issuing personal information. An information issuance terminal device, wherein the confirmation information acquisition unit acquires the photographed image of the user as the personal identification information using the imaging unit. 15. An information issuing terminal device according to claim 10, wherein the information issued by said information issuing terminal device is information stored in a personal loan card. 16. An information issuance server device for transmitting information requested to be issued to an information issuing terminal device, wherein the information for identifying a user is received and stored from the information issuing terminal device. An identity confirmation result notifying means for performing identity verification based on the identity verification information stored in the identity verification information storage means and transmitting the result to the information issuing terminal device; and Application content storage means for receiving and storing the application content; received information storage means for storing received information issued to the user based on the acquisition of the application content; predetermined information based on the application content Means for judging whether or not the information can be issued, and information issuing terminal which receives the information issued information presented by the user from the information issuing terminal device and specifies the application content. From the information issuing terminal device, and determine whether the user is the applicant pertaining to the application content specified by the application content specifying means,
An identity confirmation result notifying means for transmitting the result of determination to the information issuing terminal device; and information determined to be can be issued by the information issue permission / impossibility determining means based on the fact that the identity has been confirmed. A server device having information issuing means for transmitting the information to the device. 17. The information issuance server device according to claim 16, wherein when the information issuance terminal device acquires the application content of the user, the information issuance terminal device receives information for identity confirmation acquired from the user, and performs the identity confirmation process. An information issuance server device, further comprising a personal identification information acquiring means at the time of acquiring application contents for confirming the identity stored in the information storage means. 18. The information issuing server device according to claim 16, further comprising: a password storage unit configured to receive and store a password of a user from the information issuing terminal; Receives the password entered after issuing the information, determines whether the password matches the password stored in the password storage unit, and uses the information if the password matches. An information issuing terminal device comprising: 19. The information issuance server device according to claim 16, wherein the information issued by the information issuance server device is information stored in a personal loan card, and the information issuance determination unit determines a personal loan contract. An information issuance server device for determining whether or not the information is issued. 20. The information issuing server device according to claim 16, wherein said information issuing permission / non-permission judging means performs credit of a user.