JP2002259693A - Method and system for issuing on-line credit card - Google Patents

Abstract

PROBLEM TO BE SOLVED: To shorten the processing time from the application procedure for on-line credit card issue using an information network to actual credit card issue. SOLUTION: A card company opens a page for card application on an information network 20 and when a customer accesses it from a computer 1, the customer is made to input various necessary information. The information that the customer inputs is received and a card application form and an account transfer form are completed by filling their respective blanks, printed, and sent to the applicant for signing and sealing. Simultaneously, a scoring request is sent to a personal credit information inquiry institution 100 according to the received information and a scoring result once obtained is registered in a database 8. When the signed and sealed application form, etc., is sent from the customer, it is decided whether a credit card is issued by referring to the scoring result.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

[0001] The present invention relates to an online credit card issuing method and an issuing system.

[0002]

2. Description of the Related Art Generally, when a new credit card is issued by an application from a customer, it is necessary to send an account transfer request stamped with a financial institution notification stamp from the credit card company to the financial institution. A base paper for the fund transfer request form is required, and a credit card cannot be issued without it. For this reason, in the past, credit card issuance has been done by having the customer fill in the application form and the debit request at the store and submit it with a seal, or the customer can fill out the application form and the debit request at home and have it stamped. It is common to accept by mail.

[0003]

However, in such a credit card issuance acceptance method, there is a problem in that if there is any omission of entry, a confirmation work by telephone is required, and the processing efficiency is poor.

[0004] Recently, most credit card companies allow customers to access their web pages from their personal computers via the Internet and accept online credit card applications. . In this credit card online application acceptance system using the Internet, the credit card company prints out various information entered by the customer on the web page on the prescribed application form and account transfer request form and sends it to the applicant. The required items are further filled in, stamped at the required locations, and returned. After the stamped application form and fund transfer request form are received by the credit card company from the application customer, a normal personal information inquiry and other examination procedures are performed, and a credit card is issued if the examination passes. Step on. For this reason, it takes about 3 weeks from the online application acceptance to the customer application process to credit card issuance even if the customer has no accident.
Not only can you save time by applying online,
On the contrary, there has been a problem that the communication cost may be higher than a normal procedure for issuing a credit card.

[0005] The present invention has been made in view of such conventional problems, and an online credit card which can shorten the processing time from the online credit card issuance application procedure using an information network to the actual credit card issuance. It is an object to provide an issuing method and an issuing system.

[0006]

According to a first aspect of the present invention, there is provided an online credit card issuance method, wherein when a customer accesses through an information network, an application screen for inputting necessary information to a computer of the customer is provided. Is displayed, and when the customer receives the information entered, enter the received information in the appropriate fields of the predetermined application document format, complete the application document, and print it as an application document in the prescribed format In addition, a scoring request is sent in parallel to the personal credit information reference organization based on the received information, the scoring result from the personal credit information reference organization is registered in the database, and the application signed or stamped by the customer is performed. In the examination of permission / non-permission of credit card issuance of documents, the score registered in the database It is characterized in that referring to the grayed results.

In the online credit card issuance method according to the first aspect of the present invention, a credit card company opens a web page for applying for a credit card on an information network such as the Internet, for example, and a customer uses this web page from his or her own computer. When the user has accessed, an application screen for inputting necessary information is displayed to urge the user to input various information.

[0008] Then, if the customer inputs necessary information from the application screen, the information is accepted, and the various information received in the corresponding fields of a predetermined application document format such as a credit card application form and a fund transfer request form are accepted. Enter the information to complete the application form, print it as a formal application form, and send it to the customer who signed up for signature or seal.
In parallel with this, a scoring request is transmitted to the personal credit information reference organization based on the received various information, and when a scoring result is obtained from the personal credit information reference organization, this is registered in the database.

[0009] Then, if the customer returns a signed or stamped application document, permission to issue a credit card is received.
In the non-permission examination, the judgment is made by referring to the scoring result registered in the database. If the issuance is permitted, the credit card issuance procedure is performed.

[0010] In this way, while the application documents are being sent to the customer for signature or stamping, the personal credit information reference organization is scored in parallel, and the scoring result is registered in the database. As soon as the customer returns the signed or stamped application form, the customer checks the scoring results registered in the database for permission / non-permission of issuing a credit card, Issue a card.

According to a second aspect of the present invention, in the online credit card issuance method of the first aspect, when the customer inputs necessary information on the application screen, the customer checks for missing or incorrect information, and re-inputs the information to the customer. It is characterized by prompting replenishment input, corrects mistakes and deficiencies when inputting various information online by the customer, allows the necessary information to be input correctly and correctly, and then continues Facilitate the application process.

According to a third aspect of the present invention, in the online credit card issuing method of the first or second aspect, an image entry of the application document signed or stamped by a customer is performed, and the image data and the score registered in the database are entered. It is characterized in that it is linked with the ringing result and registered in the filing means, the image data of the complete application document signed or stamped by the customer and the scoring result of the personal credit information of the customer Is stored as electronic information, so that the necessary confirmation can be performed by the electronic information without having to take out the paper application document stored in the warehouse when it becomes necessary later.

[0013] The online credit card issuing system according to the fourth aspect of the present invention is a Web system for displaying an application screen for inputting necessary information to an access source computer when a customer accesses through an information network. A web management means for distributing a page and receiving various information input by the customer; and inputting various information from the customer received by the web management means into corresponding fields of a predetermined application form. An invoicing means for completing a document and printing it as an application in a predetermined format; and transmitting a scoring request to a personal credit information reference organization based on various information from the customer received by the web management means, Scoring processing means for retaining the scoring results from Te is obtained by a screening means for screening the permitted or not a credit card with reference to the scoring results of the customer stored in the scoring process means.

In the online credit card issuing system according to the fourth aspect of the present invention, an application for inputting necessary information to an access source computer by a web management means when a customer accesses through an information network. Display the screen, accept the various information entered by the customer, enter the various information from the customer accepted by the web management means by the drafting means into the corresponding fields of the predetermined application form Is completed and printed as a formal application form. The printed application document is sent from the credit card company to the customer who made the application, and is returned with a signature or seal. In parallel with this, during the period until the customer returns the signed or stamped application form by the scoring processing means,
A scoring request is transmitted to the personal credit information reference organization based on various information entered by the customer, and the scoring result is stored if sent. Then, when the customer returns the signed or sealed application document, the examination means examines whether or not the credit card issuance is permitted by referring to the scoring result of the corresponding customer held in the scoring processing means. If there is no problem, issue a credit card.

Thus, by using the online credit card issuing system according to the fourth aspect of the present invention, the online credit card issuing method according to the first aspect of the present invention is implemented, and an application document is signed for a customer to sign or seal. During shipping, scoring is performed in parallel with the personal credit information reference organization, and the scoring result is registered in the database, whereby the signed or stamped application form is returned from the customer. Immediately when
It examines the permission / non-permission of credit card issuance by referring to the scoring result registered in the database, and issues the credit card early.

According to a fifth aspect of the present invention, in the online credit card issuing system according to the fourth aspect, the web management means checks for missing or incorrect information when a customer inputs necessary information on the application screen. It is characterized by having a function to prompt the customer to re-enter and replenish input, correct mistakes and deficiencies in inputting various information online by the customer, and Make sure you enter it correctly and facilitate the application process that follows.

According to a sixth aspect of the present invention, in the online credit card issuing system of the fourth or fifth aspect, an image entry of the application document signed or stamped by a customer is received, and the image data and the scoring result are compared. It is characterized by having a filing means for linking and registering the image data of the complete application document signed or stamped by the customer and the result of scoring the personal credit information of the customer. By storing it as electronic information, necessary confirmation can be made by electronic information without having to take out the paper application documents stored in the warehouse when it becomes necessary later.

[0018]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Embodiments of the present invention will be described below in detail with reference to the drawings. FIG. 1 shows a system configuration of an online credit card issuing system according to one embodiment of the present invention. The terminal 1 is a computer such as a personal computer used by a customer who intends to apply for issuance of a credit card. The host computer 2 is the center of the card issuance business, and the personal credit information reference organization 100
Inquiry procedure is also performed. The web server 3 receives the personal information registered by the customer from the terminal 1 via the Internet 20 and transmits the personal information to the host computer 2 and the billing terminal 4. The draft terminal 4 prints out the application data such as a prescribed application form and an account transfer request form by using the printer 5 and outputs the code data received from the web server 3. In the web system 200 including the web server 3 to the printer 5, a mechanism for setting security such as a firewall and blocking unauthorized access to personal information from outside is incorporated. Without describing, only the characteristic functions will be described.

OC in the examination center system 300
The R terminal 6, the OCR server 7, the filing server 8, the examination server 9, the examination terminal 10, and the correction terminal 11 are hardware for actually performing a credit card issuance business, and are installed in a credit card company here. Shall be The OCR terminal 6 performs image entry of an application document such as an application form and a bank transfer request form that the customer has filled out, stamped and returned. The image data of this image entry is stored in the OCR server 7.
The filing server 8 is the center of the examination center business, and stores various data and communicates with the host computer 2. The examination server 9 stores examination target data acquired from the filing server 8, and performs examination work at the examination terminal 10 based on this data. Correction terminal 11
Associates the image data separately registered in the filing server 8 with the scoring result using code data.

Next, an online credit card issuing method by the online credit card issuing system having the above configuration will be described. FIG. 2 is a flowchart of the online card issuing process by the online card issuing system. An online card issuing method according to the present system will be described with reference to the hardware configuration of the system in FIG. 1 and the flowchart in FIG.

In the process (i), the personal information registered from the credit card application web page of the customer terminal 1 is transmitted to the web server 3 via the Internet 20.
The web server 3 receives the personal information sent from the customer terminal 1 through the Internet 20 as code data, transfers it to the billing terminal 4 (i-ii), and also transfers it to the host computer 2 in parallel (i-ii) ( ii-ii). The following (i-
ii) to (i-viii) and (ii-ii) to (ii-v)
Executed in parallel.

In the process (i-ii), when the invoice terminal 4 receives the code data of the personal information from the web server 3, the code data is transmitted to the application form such as a prescribed application form and a fund transfer request form by the printer 5. And print it out (i-ii
i). The printed application form is a base paper and sent to the customer (i-iv). Then, the customer fills in the necessary items in the received application form, stamps and mails it to the review center (iv).

The examination center system 30 of the examination center
At 0, an application entry completed and stamped by the customer is used as a base paper, an image entry is made by the OCR terminal 6, and then a fund transfer request form of the application form is sent to the financial institution 400, and the application form is a credit card. Stored in the company warehouse 500 (i-vi). The image data read by the OCR terminal 6 is transmitted to and stored in the OCR server 7 (i-vii), and is further registered in the filing server 8 (i-viii).

On the other hand, when the host computer 2 receives the code data of the personal information from the web server 3 in the process (ii-ii), the host computer 2 transmits the code data to the personal credit information reference organization 100 and makes a scoring request (ii-ii). iii). The personal credit information reference organization 100 usually responds to the scoring request with a few requests.
The scoring result is returned to the host computer 2 within the day (ii-iv). When the host computer 2 receives the scoring result, the examination center system 30
The scoring data, which is the result of scoring, is transmitted to the filing server 8 (ii-v).

The filing server 8 receives the scoring data from the host computer 2 in the process (ii-v), registers it in the database, and enters the image data of the application document from the OCR server 7 in the process (i-viii). Wait until it is done.

The above (i-ii) to (i-vii) performed in parallel
When the processing of i) and the processing of (ii-ii) to (ii-v) are completed, the correction terminal 11 sequentially displays the image data stored in the filing server 8 in (ix), and also displays the key information. By performing scoring data search as
Linking with scoring data is performed with reference to the image of the application document displayed on the terminal 11. The linked data is registered in the filing server 8 again at (x) and stored for a long time in an external storage device connected to the filing server.

Thereafter, in (xi), the filing server 8 transmits the association completion data to the examination server 9, and further (xii)
In step (1), the examination terminal 10 acquires this data, performs necessary examination work, and determines whether or not to issue a new credit card.

As described above, in the online credit card issuing method by the online credit card issuing system according to the present embodiment, the base paper of the application document is sent to the customer from the web system, and the customer fills out the next day.
If the stamped paper is returned to the examination center system, it will take approximately the same or slightly longer time as the scoring of the code data.
By performing the processing of (i-viii) and the processing of (ii-ii) to (ii-v) in parallel, the card issuing time can be reduced.

Further, according to the present embodiment, as described above, when issuing a card from an application form such as an application form accepted by store entry or mailing and a fund transfer request form,
Check whether all required items are completed,
If there was any deficiency, it was necessary to call the applicant himself to check the contents, but in the case of online reception, the customer will register on the web page where personal information is registered,
By devising such a mechanism that registration cannot be completed until all the required items are correctly entered, or by displaying a registration content confirmation screen to alert the user, it is possible to prevent omission of information required at the time of examination.

Further, according to the present embodiment, after linking the code data registered from the web page with the image data of the base paper of the application document such as the application and the fund transfer request that arrive later. By storing for a long time,
After the image entry, when inquiring customer data or the like, the data can be referred without searching for the base paper of the application form from the warehouse, and the operational efficiency can be improved.

Next, an online credit card issuing system according to another embodiment of the present invention will be described with reference to FIGS. In the second embodiment, for example, a customer applies for a credit card using a store terminal 21 such as a kiosk terminal or a dedicated terminal installed in a store affiliated with a credit card company such as a convenience store. It features an online credit card issuing system that can be used. Note that, in the second embodiment shown in FIGS. 3 and 4, elements common to those in the first embodiment shown in FIGS. 1 and 2 are denoted by the same reference numerals.

In the case of the second embodiment, the customer does not make an online application from the computer terminal 1 at home, but performs an application procedure using the shop terminal 21.
The billing terminal 4 required in the embodiment of the present invention is not required. Instead, the printer 5 is directly connected to the shop terminal 21 so that various information input by the customer from the printer 5 is immediately obtained after the procedure is completed. The completed application documents (for example, an application form and a fund transfer request form) are printed out.

Next, an online credit card issuing method using the online credit card issuing system according to the second embodiment will be described.

In the flowchart of FIG.
The processing of (i-vi) and the processing of (ii-i) to (ii-v) are executed in parallel. When the customer opens a web screen for the application procedure for issuing an online credit card using the shop terminal 21 and inputs necessary personal information from this web screen, in the process (ii), based on the inputted personal information, the shop terminal 2
1 transmits the application documents required for the printer directly, that is, the complete application and the code data as the fund transfer request form, in which the data corresponding to the required portions of the prescribed application form and the fund transfer request form are input. Then, the printer 5 outputs a printout. The customer brings back the printed application form as base paper, fills in and seals the necessary places, and then mails the application form to the review center (i-ii, i-iii).

The examination center system 30 of the examination center
0, the filled-in and stamped application document sent from the customer is used as the base paper, and thereafter, as in the first embodiment, an image entry is made by the OCR terminal 6, and thereafter the application document is entered. The fund transfer request form is sent to the financial institution 400, and the application form is stored in the warehouse 500 of the credit card company (i-iv). The image data read by the OCR terminal 6 is transmitted to and stored in the OCR server 7 (iv).
(I-vi).

On the other hand, the code data of the personal information is transmitted from the shop terminal 21 to the web server 3 of the web system 200 in the process (ii-i). The web server 3 transfers the code data of the received personal information to the host computer 2 (ii-ii). Then, the host computer 2 transmits the received personal information to the personal credit information reference organization 100 and makes a scoring request (ii-iii). In response to the scoring request, the personal credit information reference organization 100 returns a scoring result to the host computer 2 (ii-iv). Upon receiving the scoring result, the host computer 2 transmits scoring data as the scoring result to the filing server 8 of the examination center system 300 (i.
iv).

When the filing server 8 receives the scoring data from the host computer 2 in the process (ii-v), it registers the scoring data in the database.
It waits until the image data of the application document is entered from the CR server 7.

The above-mentioned (ii) to (i-vi) performed in parallel
When the processing of (ii-i) to (ii-v) is completed, the correction terminal 11 sequentially displays the image data stored in the filing server 8 in (vii), and based on the key information. By searching for the scoring data, the linking with the scoring data is performed with reference to the image of the application document displayed on the terminal 11. The linked data is registered in the filing server 8 again in (viii) and stored for a long time in an external storage device connected to the filing server.

Thereafter, in (ix), the filing server 8 transmits the linking completion data to the examination server 9, and in (x), the examination terminal 10 obtains this data and performs necessary examination work to obtain a new credit. Judge whether the card is issued or not.

As described above, in the online credit card issuing method by the online credit card issuing system according to the second embodiment, if the customer inputs necessary personal information through the store terminal, the base paper of the application document is immediately changed. If the customer fills in and returns the stamped base paper to the review center system on the day, the completed application form arrives at the review center system in a shorter time than the scoring of the code data. (Ii)-(i-vi) and (ii-i)-(ii
By parallel work with the processing of -v), the card issuing time can be further reduced.

[0041]

As described above, according to the present invention, the processing time from the online credit card issuance application procedure using the information network to the actual credit card issuance can be shortened.

[Brief description of the drawings]

FIG. 1 is a system configuration diagram of an online credit card issuing system according to a first embodiment of the present invention.

FIG. 2 is an explanatory diagram of an online credit card issuing method using the above embodiment.

FIG. 3 is a system configuration diagram of an online credit card issuing system according to a second embodiment of the present invention.

FIG. 4 is an explanatory diagram of an online credit card issuing method using the above embodiment.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Customer terminal 2 Host computer 3 Web server 4 Invoice terminal 5 Printer 6 OCR terminal 7 OCR server 8 Filing server 9 Examination server 10 Examination terminal 11 Correction terminal 21 Store terminal 100 Personal credit information inquiry agency 200 Web system 300 Examination center system 400 Warehouse 500 Financial Institution

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G06F 17/60 510 G06F 17/60 510 3/12 3/12 M // G06F 3/00 651 3/00 651A

Claims (6)

[Claims] 1. When a customer accesses through an information network, an application screen for inputting necessary information to a computer of the customer is displayed. Complete the application form by inputting the received information in the appropriate fields of the prescribed application form and print it out as an application form in the prescribed form. Score based on the received information to the personal credit information reference organization The request is sent in parallel, the scoring result from the personal credit information reference organization is registered in the database, and in the examination of permission / non-permission of issuance of a credit card to the application document signed or stamped by the customer, Online credit card issuing method characterized by referring to the scoring result registered in the database . 2. The online system according to claim 1, wherein when the customer inputs necessary information on the application screen, the customer checks for missing or incorrect information and prompts the customer to re-enter and replenish. Credit card issuing method. 3. An image entry of the application document signed or stamped by a customer, associating the image data with a scoring result registered in the database, and registering the image data in a file server. The online credit card issuing method according to claim 1. 4. A web page for displaying an application screen for inputting necessary information to a computer of an access source in response to access through a customer's information network, and various information input by the customer. Web management means for receiving, and various information from the customer received by the Web management means,
An invoicing unit that completes an application document by inputting it in a corresponding field of a predetermined application document format determined in advance and prints it as an application document in a predetermined format, and an individual based on various information from a customer received by the web management unit. A scoring processing means for transmitting a scoring request to a credit information reference organization and holding a scoring result from the personal credit information reference organization; and a scoring processing means for the application document signed or stamped by a customer. An online credit card issuance system comprising: an examination means for examining permission / non-permission of issuance of a credit card by referring to a result of scoring of the customer held in the system. 5. The web management means has a function of checking missing and incorrect information when a customer inputs necessary information on the application screen, and prompting the customer to re-enter and refill. The online credit card issuing system according to claim 4, characterized in that: 6. A filing means for receiving an image entry of the application document signed or stamped by a customer, and registering the image data in association with the scoring result. 5. The online credit card issuing system according to 5.