JP2003030454A - System and method for issuing credit card and program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To safely issue a credit card such as a cash card and a loan card at a low cost. SOLUTION: A magnetic card 1 with inherent identification information 11a written in a magnetic stripe 11 is distributed together with an order form 10. On the order form 10, identification information 10a being substantially the same as the identification information 11a is written, and the order form 10 is provided with a space 10b of necessary information for opening an account. When an applicant writes necessary information in the space 10b and transmits the order form 10 to a bank, the necessary information is inputted together with the identification information 10a from an operator terminal 3 and registered as account information in a database in a center computer 2. If the applicant inserts the magnetic card 1 into an ATM(automated teller machine) 4 after the registration, the center computer 2 returns cash card information for using the magnetic card 1 as a normal cash card on the basis of the identification information 11a read from the magnetic stripe 11, and the cash card information is written on the magnetic stripe 11.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a technique for issuing a credit card, such as a cash card or a loan card, which can be used after examination of a certain degree of credit.

[0002]

2. Description of the Related Art Currently, transactions of deposits and withdrawals from bank deposit accounts are carried out using ATM cards (Automa
ted-Teller Machine) is increasing the number of cases.
Therefore, when opening a deposit account, it is common to apply for the issuance of a cash card.

A mail order system has also been established for applying for a deposit account without the applicant having to go to a store. On the other hand, since very important information is written in the cash card that enables processing of deposits and withdrawals from a deposit account, in order to ensure the information security,
Conventionally, the applicant has been required to receive a cash card at the counter of each bank store or to send it to the applicant by registered mail.

[0004]

However, mailing by registered mail requires higher postage and costs than mailing by ordinary mail. In particular, when opening a deposit account by mail order, since the deposit balance at the time of opening is 0, it is not clear on the bank side whether the cost required for issuing a cash card can be necessarily recovered. Furthermore, even if it is mailed by registered mail, it will not be sufficient in terms of safety because the issued cash card must be passed by a third party before it reaches the deposit account holder. . Also,
In particular, single persons and double-income families are often absent during the time when mail delivery is performed, and there is a problem that it is inconvenient to receive a cash card.

On the other hand, when a cash card is issued at the counter of a store, there is no mailing cost, but it is used by anyone other than those who live near or work near the bank store. Can not do it. For this reason,
As a bank, you will miss the opportunity to acquire customers. Especially recently, banks that are different from existing bank types, that is, banks that do not have stores, have appeared.
It is not realistic to set up a store only for issuing cash cards.

[0006] Further, in large consumer finance (non-bank), in order to be able to use it in the same manner as a bank cash card, a loan is made by operating an ATM without going to a counter up to a certain limit. We issue a loan card that allows you to receive credit.

However, since loan cards require the same or more information security as cash cards, they are issued at the window of a store like a cash card of a bank or by mail by registered mail. There was nothing else. Recently, loan cards are issued and issued by unmanned contract machines, but it takes a considerable cost to install and operate unmanned contract machines. In any case, issuing a loan card was very expensive.

It is an object of the present invention to provide a credit card issuing system, method and the like which can issue credit cards such as cash cards and loan cards safely at low cost.

[0009]

In order to achieve the above object, a credit card issuing system according to a first aspect of the present invention uses a credit card card distributed in a state where unique information is written in a storage unit. A credit card issuing system for enabling the use as personal information input means for inputting personal information relating to a recipient of the card medium in association with the unique information written in the storage unit of the card medium, An information storage unit that stores the unique information and personal information input from the personal information input unit in association with each other, wherein the card medium stores the personal information in association with the unique information written in the storage unit. By being stored in the storage means, it can be used as a credit card.

In the credit card issuing system described above, a person who wishes to issue a credit card distributes a card medium in which unique information is written in a storage section in association with the unique information so that the unique information can be recognized from the outside. If a card medium is acquired and initial information and personal information are presented, the card medium can be used as a credit card. In other words, it is not necessary to mail the credit card by registered mail or to set up a store window or a base such as an unmanned contract machine, so that the cost required to issue the credit card can be kept low.

The credit card issuing system may further comprise credit checking means for performing a predetermined credit checking process on the personal information input from the personal information inputting means. In this case, the information storage means may store personal information in which a certain credit status is obtained by the credit check processing of the credit check means in association with the unique information.

In this case, only a person who can obtain a certain credit status can use the card medium as a credit card, and a person without a credit status does not illegally acquire the credit card.

In the credit card issuing system, the unique information input means for inputting the unique information read by the reading means in which the card medium is inserted and written in the storage section of the card medium, and the unique information input means In response to the input of the unique information, credit card information for enabling use as a credit card created based on personal information stored in association with the unique information input to the information storage means A writing control unit that controls the reading unit to write in the storage unit of the card medium may be further provided. In this case, the card medium is
Further, by writing the credit card information in the storage unit, it can be used as a credit card.

Here, from the distribution of the card medium in which the unique information is written to the time when the credit card information is written and the card medium can be used as a credit card, the applicant desires to hold the card medium. be able to. Therefore, there is no case where the card medium in which the credit card information is written in the storage unit is exchanged through a third party, and the information security can be maintained.

Further, the personal information input from the personal information input means may include a personal identification number selected by the recipient of the card medium. In this case, the credit card issuing system inputs the personal identification number input from the input device by the input operation of the selected person of the card medium in association with the specific information input from the specific information input means. The writing control means may be configured to store the personal identification number input from the personal identification number and unique information associated with the personal identification number in association with the information storage means. When the credit card information is present, the credit card information can be written in the storage unit of the card medium by controlling the reading unit.

In this case, in order to use the distributed card medium as a credit card, the personal identification number selected by the person to whom the card medium is distributed is required.
It cannot be illegally used as a credit card by a third party.

Further, in addition to the credit checking means, the credit checking means for performing a predetermined credit checking process on the personal information corresponding to the input unique information in response to the input of the unique information from the unique information inputting means. May be. In this case, when a certain credit status is obtained by the credit checking process of the credit checking means, the writing control means writes credit card information based on the personal information from the reading means to the storage unit of the card medium. It may be writable.

Also in this case, only a person who can obtain a certain credit status can use the card medium as a credit card, and a person without a credit status does not illegally acquire the credit card.

The credit card issuing system may further include second communication means for transmitting / receiving information to / from a recipient terminal used for the recipient of the card medium via a communication line. In this case, the reading means may be provided in the recipient terminal, and the unique information input means is such that the second communication means causes the card to be read by the reading means of the recipient terminal. The second communication unit is configured to receive the unique information read from the storage unit of the medium and transmitted via the communication line,
The write control means sends a request for writing the credit card information to a storage unit of a card medium inserted in the reading means of the recipient terminal to the recipient terminal via the communication line. It can be configured by transmitting by the second communication means.

The credit card issuing system may further include first communication means for transmitting and receiving information via a communication line to a distributor terminal used by a person who belongs to the distributor of the card medium. In this case, the personal information input means is configured by the first communication means receiving the unique information and the personal information input from the input device of the distributor terminal and transmitted through the communication line. Can be one.

As the distributor terminal, for example, a computer device such as a workstation operated by the distributor of the card medium (and its employee) can be applied. As the recipient terminal device, an ATM or the like that uses a credit card to carry out a money deposit / withdrawal transaction can be applied. Since these are terminals that are originally used for other purposes, new terminals need not be installed.

In the credit card issuing system, the card medium is preliminarily described with unique information substantially the same as the unique information of the card medium, and the recipient of the card medium writes personal information. It may be distributed together with the entry form having the entry fields. In this case, the unique information input from the personal information input means may be the unique information described in advance in the entry form, and the personal information entered from the personal information input means may be entered in the entry form. It can be personal information entered by the recipient in the field.

In order to achieve the above object, the credit card issuing method according to the second aspect of the present invention enables a card medium distributed in a state where the unique information is written in the storage unit to be used as a credit card. A credit card issuing method executed by a computer device, in which personal information relating to a recipient of the card medium is input to the computer device in association with unique information written in a storage unit of the card medium, A step of storing the unique information and the personal information input from the personal information input means in the storage means included in the computer device in association with each other, wherein the card medium corresponds to the unique information written in the storage unit. The personal information is additionally stored in the storage means so that it can be used as a credit card.

In the above credit card issuing method, a step of inputting, to the computer device, the unique information read by the reading means in which the card medium is inserted and written in the storage section of the card medium, and reading from the card medium. In response to the input of the specified unique information, credit card information for enabling use as a credit card created based on personal information stored in association with the unique information input to the storage means is provided. The computer device may further include the step of controlling the reading unit to write the reading unit in the storage unit of the card medium. in this case,
The card medium can be used as a credit card by further writing credit card information in the storage unit.

In order to achieve the above object, a program according to a third aspect of the present invention is a program for allowing a card medium distributed in a state where unique information is written in a storage unit to be used as a credit card. The personal information input means for inputting personal information about the recipient of the card medium in association with the unique information written in the storage unit of the card medium, and the personal information input means. A computer device is caused to function as an information storage unit that stores unique information and personal information in association with each other, and the card medium stores personal information in the information storage unit in association with the unique information written in the storage unit. The feature is that it can be used as a credit card.

The program is unique information input means for inputting the unique information read by the reading means in which the card medium is inserted and written in the storage section of the card medium, and the unique information from the unique information input means. In response to input of information, credit card information for enabling use as a credit card created based on personal information stored in association with the unique information input to the information storage means,
The computer device may further function as a writing control unit that controls the reading unit to write in the storage unit of the card medium. In this case, the card medium can be used as a credit card by further writing credit card information in the storage unit.

[0027]

BEST MODE FOR CARRYING OUT THE INVENTION Embodiments of the present invention will be described below with reference to the accompanying drawings. In this embodiment, the case of issuing a bank account cash card will be described as an example.

FIG. 1 is a diagram showing the overall structure of a cash card issuing system according to this embodiment. As shown in the figure, this cash card issuing system is for enabling the magnetic card 1 to be used as a cash card of an opened deposit account, and is provided with a center computer 2, an operator terminal 3, and an ATM 4. . The operator terminal 3 and the ATM 4 are connected to the center computer 2 via a closed network 5 such as a Zenginkyo network.

The magnetic card 1 is distributed with the order form 10 and has a magnetic stripe 11 for storing information. Identification information 11a unique to each magnetic card 1 is previously written in the magnetic stripe 11 as initial information. In the order form 10, identification information 10a substantially the same as the identification information written in the magnetic stripe 11 of the magnetic card 1 distributed together is described in advance, and personal information (name, name, etc.) of the deposit account applicant. An entry field 10b for entering a four-digit personal identification number selected by the applicant and other necessary items is provided.

The cash card applicant can enter the entry field 10 in the order form 10 distributed with the magnetic card 1.
The necessary items are written in b and sent to the bank which is the issuer of the cash card by mail or the like, and the magnetic card 1 is kept as it is. After the registration of the necessary items entered in the entry field 10b in the bank is completed and the deposit account is opened, and the bank is notified of that, the information of the magnetic stripe 11 of the magnetic card 1 stored is valid as a regular cash card. It is used by rewriting the cash card information for the purpose as described later.

The center computer 2 is a mainframe that controls the entire operations of the bank, which is the issuer of the cash card, and includes a CPU (Central Processing Unit) 21 and
A memory 22, a communication device 23, an account information database 24, and a credit information database 25 are provided.

The CPU 21 executes the program stored in the memory 22 to perform regular banking operations such as deposit and withdrawal and transfer of deposits, registration of necessary items entered in the entry column 10b, and information of the magnetic stripe 11a. Perform processing such as rewriting. The memory 22 stores the processing program of the CPU 21 and is used as a work area when the program is executed. The programs stored in the memory 22 include those shown in the flowcharts of FIGS. 5 and 6 (described later). The communication device 23 is the network 5
Information is transmitted and received to and from the operator terminal 3 and the ATM 4 via the.

The account information database 24 is a database that stores one record of information for each deposit account. In each record, as will be described later, the identification information 10a of the order form 10 sent from the operator terminal 3, a predetermined one of the necessary items (including the personal identification number) entered in the entry field 10b, the account number, the deposit It includes information on items such as balances and deposit / withdrawal history. The credit information database 25 is a database that stores predetermined credit check information, and is used to check the credit status of the applicant when opening a deposit account.

The operator terminal 3 is a workstation or personal computer used by an employee (operator) in a predetermined department of a bank who issues a cash card, and has a CPU 31, a memory 32, and a display device 33.
A printing device 34, an input device 35, and a communication device 36.

The CPU 31 executes the program stored in the memory 32, and the identification information 1 of the order form 10
Enter the necessary information entered in 0a and the entry field 10b,
Processing for registering in the account information database 24 of the center computer 2 is performed. The memory 32 stores the processing program of the CPU 31 and is also used as a work area when the program is executed. The programs stored in the memory 32 include those shown in the flowchart of FIG. 5 (described later).

The display device 33 displays information necessary for inputting the identification information 10a and necessary items. The printing device 34 prints a postcard for notifying the applicant that the deposit account has been opened by completing the registration in the account information database 24. The input device 35 inputs the identification information 10a of the order form 10 and the necessary items entered in the entry field 10b by the operation of the operator. The communication device 36 sends and receives information to and from the center computer 2 via the network 5.

The ATM 4 is installed in a bank store, a department store, a convenience store, or the like, and performs cash deposit / withdrawal operations while performing communication processing with the center computer 2. The CPU 41, the memory 42, and the display device 43.
An input device 44, a reading device 45, and a communication device 46.

The CPU 41 executes business processes such as cash deposit and withdrawal from a deposit account, and also executes a program stored in the memory 42 to rewrite information written in the magnetic stripe 11 of the magnetic card 1. . Memory 42
Stores a processing program of the CPU 41, and is used as a work area when the program is executed.
The programs stored in the memory 42 include those shown in the flowchart of FIG. 6 (described later).

The display device 43 displays a process selection screen, a process operation instruction to the operator, and the like. Input device 4
Reference numeral 4 is provided with a ten-key pad, and is used by a person having a deposit account to selectively input the type of processing, a personal identification number, and an amount to be deposited / withdrawn. The input device 44 is
A touch panel (transparent digitizer) provided on the display device 43 may be used.

The reading device 45 has a card slot into which the magnetic card 1 used as a cash card is inserted, reads information written in the magnetic stripe 11 of the magnetic card 1 inserted into the card slot, and reads the magnetic stripe. Information is written in 11. The communication device 46 is
Information is transmitted to and received from the center computer 2 via the network 5.

The ATM 4 does not necessarily belong to the bank that has opened the deposit account (the bank having the center computer 2), but belongs to another bank affiliated with the bank in which the deposit account is opened. It may be.

The procedure for making the magnetic card 1 usable as a cash card using the cash card issuing system according to this embodiment will be described below. This procedure is roughly divided into three stages: (1) sending an order form (2) opening a deposit account (3) converting to a cash card. Each processing will be described in detail in different cases.

(1) Sending the order form A person who newly opens a deposit account at a bank and applies for the issuance of a cash card obtains the magnetic card 1 and the order form 10 which are distributed together. Then, the optional 4-digit personal identification number, name, address, and other necessary items selected by the user are entered in the entry field 10b and mailed to the bank to which the magnetic card 1 and the order form 10 have been distributed. The applicant holds the magnetic card 1 as it is until a registration completion postcard (or registration completion mail) described later is sent from the bank.

(2) Opening a Deposit Account FIG. 5 is a flowchart showing a process for registering the information described in the entry column 10b of the order form 10 and opening a deposit account. This processing is performed by the cooperation processing of the center computer 2 and the operator terminal 3. The order form 10 that has been filled in with the necessary items and has been delivered to the bank is distributed to the operator who operates the operator terminal 3.

The operator first operates the input device 35 of the operator terminal 3 to identify the identification information 10a described in advance in the circulated order form 10 and the necessary information entered in the entry field 10b by the applicant. Each item is input (step S101). The CPU 31 causes the communication device 36 to transmit the input identification information 10a and the necessary items in the entry field 10b to the center computer 2 via the network 5 (step S102).

In the center computer 2, the communication device 23
When the identification information 10a and the necessary items in the entry field 10b are received by the CPU 21, the CPU 21 temporarily stores them in the work area of the memory 22 (step S151). Next, CP
U21 refers to the credit information database 25 based on the applicant's name, address, etc. included as necessary items, and investigates the credit status of the applicant (step S152). Based on the result of the investigation, it is determined whether the credit condition of the applicant is in a condition in which a deposit account may be opened (step S).
153).

If the credit condition of the applicant is such that a deposit account can be opened, the CPU 21 creates a new record in the account information database 24, and step S1
The identification information 10a received at 51 and the predetermined information (including at least the personal identification number) necessary for opening a deposit account and issuing a cash card among the necessary items are registered in a new record. Here, 0 is put in the deposit balance (step S154).

When this registration is completed normally, the CPU 21
Sends a registration completion notification from the communication device 23 to the operator terminal 3 via the network 5 (step S15).
5). Then, the processing on the side of the center computer 2 ends. In addition, in step S153, when the credit status of the applicant is not in a state in which a deposit account may be opened,
The processing on the side of the center computer 2 is finished as it is.

At the operator terminal 3 again, the communication device 36
When the registration completion notification is received by the CPU 31, the CPU 31 temporarily stores it in the work area of the memory 32 (step S
103). Next, the CPU 31 causes the printing device 34 to print the registration completion postcard indicating that the deposit account of the applicant has been opened with the address and name of the applicant included as necessary items as the destination (step S104). Then, the processing on the operator terminal 3 side also ends, and the processing for opening a deposit account ends.

The registration completion postcard printed here is mailed to the applicant for opening a deposit account. If the applicant's e-mail address is included as a necessary item entered in the entry field 10b, an e-mail indicating that the applicant's deposit account has been opened instead of printing the registration completion postcard in step S104. (Hereinafter, referred to as a registration completion mail) may be transmitted from the operator terminal 3 to the applicant's electronic mail address.

(3) Making a cash card FIG. 6 is a flowchart showing a process for making the magnetic card 1 usable as a cash card. This processing is performed by the cooperation processing of the center computer 2 and the ATM 4. The applicant performs this processing after receiving the registration completion postcard printed in step S104 and mailed from the bank (or after the registration completion mail is sent).

The applicant operates the input device 44 of the ATM4 to select the "cash card conversion" process, and inserts the magnetic card 1 which is still held after sending the order form 10 into the card slot of the ATM4 ( Step S201). When detecting that the magnetic card 1 is inserted in the card slot, the CPU 41 causes the magnetic stripe 1
The identification information 11a previously written in 1 is read by the reading device 4
5 is read (step S202).

Next, the CPU 41 causes the display device 43 to display a screen for instructing the input of the personal identification number, and the applicant operates the input device 44 according to this screen to select the personal identification number and enter the personal identification number on the order form 10. Is input (step S203). Then, the CPU 41 causes the communication device 46 to transmit the personal identification number input here together with the identification information 11a read in step S202 to the center computer 2 via the network 5 (step S20).
4).

In the center computer 2, the communication device 23
When the identification information 11a and the personal identification number are received by the CPU 2, the CPU 2
1 temporarily stores this in the work area of the memory 22 (step S251). Next, the CPU 21 searches the account information database 24 based on the identification information 11a and the personal identification number (step S252), and the identification information 11
It is determined whether or not there is a record having substantially the same identification information 10a as a, or whether or not the personal identification number in the record matches the received personal identification number (step S253).

When there is a record having the identification information 10a which is substantially the same as the identification information 11a, and the personal identification number in the record matches, the CPU 21 determines based on the other information registered in the record. , Cash card information necessary for using the magnetic card 1 as a regular cash card is generated (step S254).
The CPU 21 causes the communication device 23 to transmit the generated cash card information together with the control information for instructing the writing to the magnetic stripe 11 to the ATM 4 via the network 5 (step S255). Then, the processing on the side of the center computer 2 ends.

If there is no record having the identification information 10a that is substantially the same as the identification information 11a in step S253, or if such a record does not match the personal identification number, ,
The processing on the side of the center computer 2 is finished as it is.

In the ATM 4 again, when the communication device 46 receives the control information instructing the writing together with the cash card information, the CPU 41 temporarily stores it in the work area of the memory 42 (step S206). And
The CPU 41 determines the reading device 4 based on the received control information.
5, the cash card information temporarily stored in the memory 42 is overwritten on the magnetic stripe 11 (step S206). The magnetic card 1 can now be used as a regular cash card. And ATM4
The processing on the side also ends, and the processing for making a cash card ends.

The identification information 1 is stored in the center computer 2.
If the communication device 46 does not receive the cash card information even after transmitting 1a and the personal identification number, the identification information 11 is normally set.
This is either the case where there is no record having substantially the same identification information 10a as a or the case where the personal identification numbers do not match. Therefore, if the cash card information in step S205 is not received even after a lapse of a certain period from the transmission in step S204, the CPU 41 forcibly terminates the process as an error and displays a message to that effect on the display device 43. Let

As described above, when the cash card issuing system according to the present embodiment is applied to issue a cash card, the bank in which the deposit account is opened may distribute the magnetic card 1 together with the order form 10. The distributed magnetic card 1 can be used as a cash card without a store or an unmanned contract machine, and without mailing the cash card by registered mail. As the operator terminal 3 and the ATM 4, those originally used for other purposes can be used as they are. For this reason, banks can save the cost of setting up a base and the cost of mailing a cash card,
The cost required to issue a cash card can be kept low.

Further, when the magnetic card 1 is distributed, the first information written in the magnetic stripe 11 is only the identification information 11a, which cannot be used as a cash card. In addition, only the notification that the opening of the deposit account is completed will be mailed to the applicant from the bank where the deposit account will be opened, and information that enables the transfer of money will be exchanged via a third party. There is no such thing. Therefore, information security can be maintained.

Further, in order to rewrite the information of the magnetic stripe 11 into the cash card information, the personal identification number entered in the entry field 10b of the order form 10 is required, so that a third party illegally caches the magnetic card 1. It cannot be used as a card and security can be maintained. Furthermore, since the credit check is performed based on the credit information database 25 before registration in the account information database 24, a person who does not have the credit condition to open a deposit account may open a deposit account illegally. , I can't get a cash card.

The present invention is not limited to the above embodiment,
Various modifications and applications are possible. Hereinafter, modifications of the above-described embodiment applicable to the present invention will be described.

In the above embodiment, the magnetic card 1 can be used as a cash card by rewriting the information stored in the magnetic stripe 11 of the magnetic card 1 from the identification information 11a as the initial information to the cash card information. I was supposed to. IC instead of this magnetic card 1
The IC card may be used as a cash card by applying a card and rewriting the stored information in the EEPROM of the IC card from the initial information to the cash card information.

In the above embodiment, the rewriting of information to be written in the magnetic stripe 11 of the magnetic card 1 is performed by the ATM.
The reading device 45 included in 4 was used. However, such a reading device is not only provided in the ATM 4, but is also provided in a terminal device dedicated to rewriting information on the magnetic stripe 11, or is connected to a personal computer possessed by a deposit account applicant. It may be a card reader / writer.

In the above-described embodiment, the credit check whether or not a deposit account can be opened (whether or not a cash card can be issued) is performed by checking the necessary information in the identification information 10a and the entry column 10b described in the order form 10 in the account information. It was done before registering in the database 24. However, without conducting a credit check, the account information database 24
The credit check is performed before the cash card information is generated based on the information from the ATM 4, and as a result, there is no problem with the credit condition of the applicant, the reading device 45 is magnetically recorded. The information of the stripe 11 may be rewritten into cash card information.

Further, the center computer 2 requests the credit bureau to inquire about the credit status without conducting the credit bureau by itself, and confirms the credit status of the applicant for opening a deposit account in accordance with the inquiry result returned from the credit bureau. It may be judged. In this case, the center computer 2 does not need to have the credit check database 25 by itself.

In the above embodiment, the identification information 10a and the items to be entered in the entry field 10b are registered in the account information database 24, and the magnetic stripe 11 of the magnetic card 1 is further registered.
By writing the cash card information to
The magnetic card 1 can be used as a cash card. On the other hand, the identification information 10a and the entry field 1
The magnetic card 1 may be allowed to be used as a cash card when the items described in 0b are registered in the account information database 24. Even in these cases,
Even if the magnetic card 1 is illegally acquired by a third party, it is possible to prevent unauthorized use by a third party by checking the personal identification number, and the minimum required security can be maintained.

In the above embodiment, the case where the present invention is applied to the case where a bank account is newly opened and a cash card is issued has been described. On the other hand, the present invention can be applied to the case of issuing a cash card of an already opened deposit account. Further, the present invention is applied not only to cash cards of bank deposit accounts but also to the issuance of credit cards generally issued after a certain credit check such as loan cards issued by non-banks and credit cards issued by credit card companies. can do.

In the above embodiment, the programs shown in the flow charts of FIGS. 5 and 6 are stored in the memories 21, 31,
41 has been described as being stored in advance. On the other hand, the whole or part of such a program is a CD
It may be stored in a computer-readable recording medium such as -ROM or DVD-ROM and distributed.
Alternatively, it may be stored in a fixed disk device included in the Web server and downloaded to a general-purpose computer device connected to the Internet via the Internet.

[0070]

As described above, according to the present invention,
Credit cards can be issued safely at low cost.

[Brief description of drawings]

FIG. 1 is a block diagram showing an overall configuration of a cash card issuing system according to an embodiment of the present invention.

FIG. 2 is a block diagram showing a configuration of a center computer shown in FIG.

FIG. 3 is a block diagram showing a configuration of an operator terminal shown in FIG.

FIG. 4 is a block diagram showing the configuration of the ATM shown in FIG.

FIG. 5 is a flowchart showing a process for registering the information described in the order form and opening a deposit account in the cash card issuing system according to the embodiment of the present invention.

FIG. 6 is a flowchart showing a process for enabling a magnetic card to be used as a cash card in the cash card issuing system according to the embodiment of the present invention.

[Explanation of symbols]

1 magnetic card 2 center computer 3 operator terminals 4 ATM 5 network 10 Order Form 11 magnetic stripe 21 CPU 22 memory 23 Communication equipment 24 Account Information Database 25 Credit Information Database 31 CPU 32 memory 33 display 34 Printer 35 input device 36 Communication device 41 CPU 42 memory 43 Display 44 input device 45 reading device 46 Communication equipment

Claims (12)

[Claims] 1. A credit card issuing system for enabling a card medium distributed in a state where unique information is written in a storage unit to be used as a credit card, wherein the unique information written in the storage unit of the card medium is used. Personal information input means for inputting personal information relating to the recipient of the card medium, and information storage means for storing the unique information and personal information input from the personal information input means in association with each other. The credit card issuing system, wherein the card medium can be used as a credit card by storing personal information in the information storage means in association with the unique information written in the storage unit. . 2. A credit checking means for performing a predetermined credit checking process on the personal information input from the personal information inputting means, wherein the information storing means has a certain credit checking processing according to the credit checking processing of the credit checking means. 2. The credit card issuing system according to claim 1, wherein personal information for which a credit status is obtained is stored in association with unique information. 3. A unique information input means for inputting unique information read by a reading means in which the card medium is inserted and written in a storage section of the card medium; and input of unique information from the unique information input means. In response to the, the credit card information for enabling use as a credit card created based on the personal information stored in association with the unique information input to the information storage means is stored in the reading means. Writing control means for controlling and writing in the storage unit of the card medium, wherein the card medium becomes usable as a credit card by further writing credit card information in the storage unit. The credit card issuing system according to claim 1, wherein the credit card issuing system is a credit card issuing system. 4. The personal information input from the personal information input means includes a personal identification number selected by the recipient of the card medium, and is associated with the unique information input from the unique information input means to obtain the card. It further comprises a personal identification number input means for inputting a personal identification number input from an input device by an input operation of a person to be selected on the medium, wherein the writing control means is associated with the personal identification number input from the personal identification number. 4. When the unique information is stored in association with the information storage unit, the credit card information is written in the storage unit of the card medium by controlling the reading unit. Credit card issuing system described. 5. A credit check means for performing a predetermined credit check process on personal information corresponding to the input unique information in response to the input of the unique information from the unique information input means. The credit control unit causes the reading unit to write credit card information based on the personal information to the storage unit of the card medium when a certain credit status is obtained by the credit checking process of the credit checking unit. The credit card issuing system according to claim 3 or 4. 6. A second communication means for transmitting and receiving information via a communication line to and from a recipient terminal used for the recipient of the card medium, wherein the reading means is provided to the recipient terminal. The unique information input means reads the unique information transmitted from the memory section of the card medium by the second communication means by the reading means of the recipient terminal and transmitted through the communication line. The second communication means is configured to receive the write control means, and the writing control means issues a request for writing the credit card information into a storage unit of a card medium inserted in the reading means of the recipient terminal. The credit card issuing system according to any one of claims 3 to 5, wherein the second communication means is configured to transmit to the recipient terminal via the communication line. 7. A first communication means for transmitting and receiving information via a communication line to and from a distributor terminal used by a person who belongs to the distributor of the card medium, wherein the personal information input means is the distributor terminal. 7. The first communication means receives the unique information and personal information input from the input device of 1 and transmitted through the communication line, according to any one of claims 1 to 6. Credit card issuance system described in paragraph. 8. The card medium is previously described with unique information substantially the same as the unique information of the card medium,
The unique information distributed by the recipient of the card medium together with the entry form having the entry fields for entering the personal information, and the unique information input from the personal information input means is the unique information previously described in the entry form. The personal information input from the personal information input means is personal information entered by the recipient in the entry field of the entry form. Credit card issuing system. 9. A credit card issuing method executed by a computer so that a card medium distributed in a state where unique information is written in the storage unit can be used as a credit card, wherein the storage unit of the card medium stores the card medium. A step of inputting personal information relating to the recipient of the card medium to the computer device in association with the written unique information; and a step of associating the unique information and the personal information input from the personal information input means with each other Storing in a storage unit included in a computer device, the card medium can be used as a credit card by storing personal information in the storage unit in association with the unique information written in the storage unit. A credit card issuing method characterized by the following. 10. A step of inputting, to the computer device, unique information read by a reading means in which the card medium is inserted and written in a storage unit of the card medium; and a step of inputting the unique information read from the card medium. In response to an input, the computer device provides credit card information for enabling use as a credit card created based on personal information stored in association with the unique information input to the storage means. Controlling the reading means to write in the storage unit of the card medium, wherein the card medium can be used as a credit card by further writing credit card information in the storage unit. The credit card issuing method according to claim 9, wherein: 11. A program for enabling a card medium distributed in a state where the unique information is written in the storage unit to be used as a credit card, wherein the unique information written in the storage unit of the card medium is used. A computer device as personal information input means for inputting personal information relating to the person to whom the card medium is distributed, and information storage means for storing the unique information and personal information input from the personal information input means in association with each other. The program is characterized in that the card medium can be used as a credit card by storing personal information in the information storage means in association with the unique information written in the storage section. . 12. A unique information input unit for inputting unique information read by a reading unit having the card medium inserted therein and written in a storage unit of the card medium, and a unique information from the unique information input unit. In response to the input, the credit card information for enabling use as a credit card created based on the personal information stored in association with the unique information input to the information storage means is read by the reading means. The computer device is further made to function as a writing control unit for controlling the writing of the credit card information in the storage unit of the card medium, and the card medium can be used as a credit card by further writing credit card information in the storage unit. The program according to claim 11, wherein the program is as follows.