JP2006164301A - Method, device and system for issuing card - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a method, device and system for issuing cards which provide a card issue claimant, with a sense of security because a card is issued simultaneously, when card issue is requested, and save the card-issuing side labor for creating and mailing the card, making the postage inexpensive. <P>SOLUTION: There are provided the card issuing device and a higher-level device for managing data on validity/invalidity for each card, the card-issuing device being provided with an input means 109 of entering necessary items for card issue by a card issuance request; a display means 107 for displaying the entry method and the entered results; a means 108 of reading a license or the like for identification via the image thereof; a means 106 of photographing one's face for confirming the card issuance request; a communications means of sending the image for identification and data obtained by photographing the face via a network to the high-level device; a printing means of printing embossments etc. on the card at issuance; a means of writing the required items and invalid data for card issuance; a means of reading the description of the card; and a means of issuing an object card according to the request for card issuance. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to a technique for issuing a card immediately in response to a card issuance request such as a cash card or a credit card. In particular, the preparation for issuing the card does not take time and effort, and the postage cost is low. The present invention relates to a plastic card issuance method and an issuance apparatus that do not cause a problem by performing credit examination after issuance.

  Conventionally, cash cards and credit cards, etc. need to be subjected to credit screening, so even if they are issued by a card issuer, they will not be issued on the spot and will be mailed to the person's home with proof of delivery. Was the usual way. The issuer is not sure whether or not the card has been accepted until the card arrives. there were.

  In addition, the card issuer has a problem that the cost per case for mailing a sealed letter with a delivery certificate increases. There are companies that issue cards immediately (consumer finance, etc.), but there is a problem that the company bears the risk of accidents because it is issued immediately and can be used immediately.

  Conventionally, as a technique for issuing a card by an unmanned contract machine, for example, there is a card issuing machine (hereinafter referred to as system A) described in Japanese Patent Laid-Open No. 2-59891. This is intended for people who already have a credit card, and by reading the credit card you have with a card reader and confirming its validity, the amount of money is based on the number of times it has been judged valid The data is determined, and the amount data is written and issued to the magnetic card by the card writer.

  Also, for example, there is a card issuing device (hereinafter referred to as method B) described in Japanese Patent Laid-Open No. 3-291784. This is to issue a card in accordance with instructions from the host device. The security data read at the time of the previous card issuance is sent from the host, and the security data is encrypted and written to the card to be issued. The card is issued after it is determined that the received security data and the issued card data match.

  Further, for example, there is a card issuing method and apparatus (hereinafter referred to as system C) described in JP-A-6-60233. This is to issue a card by reading the application form. For example, when issuing a card such as a commuter pass, the user makes a predetermined description on the application form and reads it with a reading means. It is printed on a card and issued.

  Further, for example, there is a card issuing method (hereinafter referred to as method D) described in Japanese Patent Application Laid-Open No. 2000-6559. This is a credit card that is supplied from the card supplier (card company) to the card issuer (member store, etc.) and issued from the card issuer to the card user (customer). When the card is temporarily issued after it is registered in the database and the card is used for the first time, it is issued by writing the use permission data to the card recording section only if the permission data is registered in the database. The processing is performed.

JP-A-2-59891 JP-A-3-291788 JP-A-6-60233 JP 2000-6559 A

  As described above, cash cards and credit cards that have been used in the past need to be confirmed by the principal after receiving an issuance request, and are not immediately issued. In this case, the card is issued after the credit has been confirmed, and in the sense that it also serves as identity verification, it is treated as postal mail (delivery proof) by a sealed letter, and is basically received directly by the principal. Therefore, if the person is not present at the time of delivery, it is necessary for the person to go to the post office and receive a sealed letter with a seal stamp. For this reason, the issuing side costs the cost of mailing the sealed letter, and the receiving side needs time to go to the post office in the absence of delivery.

  Further, as previously described, the card issuing function by the unmanned contract machine that has been proposed is to be issued to the cardholder after confirming the validity of the held card (the method A) or the host device. To be issued after confirming the security data held by (Method B), or just as long as the commuter pass needs to be confirmed by the person (C Method), or temporarily issued at a later date, The permission data of the database is confirmed and the use is permitted (method D).

  However, in these methods A to C, the user currently has a valid card, issuance after waiting for valid data from the host device, or is issued by trusting the person's description like a commuter pass. Either one of the limiting conditions is required. Further, in method D, it can be issued immediately even if there are no conditions. However, when it is issued after receiving at a member store, it is unclear when it can be used.

  Therefore, an object of the present invention is to solve these conventional problems, issue a card at the time of card issuance request, immediately issue a card, and confirm the validity at the first use, thereby enabling immediate use It is to provide a card issuing method and an issuing device. Another object of the present invention is to provide a plastic card issuing method and an issuing device that saves time and money for card mailing, is inexpensive, and does not have to bother to go to the post office even when absent. Is to provide.

  In order to achieve the above object, a plastic card issuing device of the present invention comprises a card issuing device connected to a host device via a network, and the card issuing device inputs items necessary for card issue by a card issuer. An input means, a display means for displaying an input method and an input result, a means for reading a license for identification, etc. with an image, a means for copying a face for confirming a card issuer, and an identification image, Communication means for sending face copy data over the network to the host device, printing means for printing emboss etc. on the card at the time of issuance, and card issuance on the card magnetic stripe or IC chip Read data such as magnetic stripe or IC chip to check necessary card contents and invalid data and card contents. And means for enabling use of the card when it is confirmed that there is no error in the contents of the application by verifying the identity of the host device by means of issuing the target card according to the card issuance request. It is a feature.

  In addition, the plastic card issuing method of the present invention allows the user to input necessary information by voice guidance of the input guidance and the input result by the sound source, and to confirm by displaying the input guidance and the input result on the display, When data is written on the card by the emboss printing means, this data is read and transmitted to the host device, the card is issued, the card valid / invalid data is held in the host device, and the issued card is used for the first time Confirms the valid / invalid data by notifying the host device, and if the card is invalid, displays a warning and rejects the transaction, but if the card is valid, the host device, this device, and the invalid data on the card The card is erased, and the card can be used after that point.

  According to the present invention, since the card is issued at the same time as the card issuance request, a sense of security can be given to the card issuer. In addition, since the card issuer issues the card immediately, there is an advantage that the cost of creating the card and mailing the card can be saved, and only the postcard is mailed. .

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

  (System Configuration) FIG. 1 is an overall system configuration diagram of a card issuing apparatus to which the present invention is applied. As shown in FIG. 1, the card issuing system according to the present invention has a configuration in which the card issuing / reading apparatus 1 is connected to the receiving terminal 3 via the network 21, and the receiving terminal 3 is connected to the central processing unit 4 via the network 22. In this case, the card issuing / reading apparatus 1 is an unmanned contract machine and is arranged at a location away from the head office or branch. The reception terminal 3 is a terminal that is arranged at a branch office or the like and is arranged corresponding to each card issuing / reading device 1 and includes a guide sound source and sends guidance to the corresponding card issuing / reading device 1. The central processing unit 4 is a large computer connected to a customer database arranged at the center.

  (Configuration of Card Issuance Reading Apparatus) FIG. 2 is a perspective view of a card issuance reading apparatus showing an embodiment of the present invention. The card issuing / reading device 1 of the present invention is an unmanned contract machine in which a customer performs an operation for issuing a card by himself / herself, and includes a main body and an operation console for the customer to fill in an application form. In addition, a chair may be arranged under the console. The card issuing / reading device 1 includes a speaker 101 for performing guidance and operation guidance by voice, a handset 102 for preventing the speaker from being heard by a third party, a microphone 103 for picking up a voice for a card issuer to inquire, A hand camera 104 for monitoring application entry, a card issuance port 105 for issuing a card, a person camera 106 for confirming the face of the card issuance requester, input necessary information, input guidance, and input result A color LCD 107 with a touch panel, a document camera 108 for reading billing paper, and a document set surface and bill issuing port 109 for setting the billing paper issuance and billing paper to be read by the document camera 108.

  The document camera 108 for reading the billing sheet is attached to the upper side of the document setting surface / invoice issuing port 109. After filling in the billing sheet, the document setting surface / invoice issuing port 109 is read. When the paper window is opened and the paper is inserted, the document camera 108 at the upper part of the inside shoots the text written on the paper. The card applied in the present invention includes a card having a storage means such as a magnetic stripe or an IC chip. Furthermore, the card issuing / reading device can read / write a contact type card or a non-contact type card.

  (User operation) The card issuer sits in front of the card issuance / reading apparatus 1 and inputs necessary information according to the guidance displayed on the color LCD 107 with a touch panel. When the input is completed, the reception terminal 3 requests a set of identification cards, confirms that the card issuer has set the identification card in the document set side / invoice issuing port 109, and takes it from the person camera 106. Compare with the image of the person and verify your identity. When the person is confirmed, a card issuance invoice reflecting the input content is output from the document set surface / invoice issuance port 109.

  The card issuer confirms the contents of the card issuance invoice, and if there is no problem, signs it by himself. At this time, the reception terminal 3 monitors whether or not a person other than the person is filling in from the image from the hand camera 104. The card issuance / reading apparatus 1 automatically collects the card by issuing the card issuance invoice on the document setting surface / invoice issuing port 109. When the collection is completed, items necessary for embossing and card issuance and invalid data are written on the card, and the card is immediately issued from the card issuing slot 105.

  (Card Issuance Processing) FIG. 3 is a processing flowchart of a plastic card issuing method showing an embodiment of the present invention. Here, the flow of processing from when the card issuer requests card issuance until the card can be used is shown. Reference numeral 5 denotes a store where the card issuing / reading device 1 is arranged, 6 denotes a centralized center, and 7 denotes a home of the card issuer.

  The card issuer goes to the sales office 5 and requests the card issuance using the card issue / read device 1 of the present invention (step 501). When the billing process is completed, a passbook and a card are issued (step 502), and the application form data is transmitted to the centralized center 6 at the same time. Therefore, the centralized center confirms the contents immediately (step 601) and enters a credit examination (step). 602). In the credit examination, the credit check also checks whether the name of the card issuer is on the black list. At this time, invalid data is written in the issued card. Therefore, it cannot be used yet at this point.

  When the credit examination is passed (step 602), a postcard of notice of acceptance is prepared (step 603), and this postcard is posted 605 (step 605). In the case of failure, a rejection notice is created (step 604), and this postcard is posted 605 (step 605). The posted notice is mailed to the card issuer's home 7 and notified that the card can be used (step 701), so that the subsequent card can be used (step 801). Note that the card cannot be used for about one week after the card issuer receives the issued card and leaves the store until he receives a postcard of notice of acceptance.

  (Card Acceptance Process 1) FIG. 4 is a process flowchart (1) of the plastic card accepting method showing an embodiment of the present invention. Here, the reception process when using the card issued by the card issuer is described. In the case of the card reception process (1), a card in which invalid data is written is issued by the card issue / read device 1. Since the credit examination has been passed after the evaluation, the processing method for deleting invalid data by the center 10 is shown.

  In FIG. 4, 9 is a normal cash automatic transaction apparatus (automatic machine: ATM), and 10 is a centralized center connected to ATM 9. The card user inserts the card issued from the card issuing / reading device 1 into the automatic machine 1 (step 901). The automatic machine 1 reads the card data (step 902) and transmits it to the host (step 903). The host machine 10 determines the card data (step 1001) and checks whether there is invalid data (step 1002). If there is invalid data, the credit check is passed and it is checked whether it is available (step 1003). If it is available, an invalid data deletion notification is transmitted to the automatic machine 9 (step 1004).

  If the credit examination is not completed, that is, the card has been notified of non-acceptance (N in Step 1003), a transaction impossible notification is transmitted to the automatic machine 9 (Step 1005). If there is no invalid data in the presence / absence check of invalid data (step 1002), it is determined that the card can be traded. That is, the normal transaction is started as it is. When the automatic machine 9 is notified that the transaction is possible by checking the presence / absence of invalid data in the host machine 10 (step 1002), it starts a normal transaction.

  When the automatic machine 9 receives the invalid data erase notification (step 1004), the invalid machine erases the invalid data (step 904) and starts a normal transaction. Specifically, for example, the invalid data 1 ′ is written in the card, and when the notification from the center 10 is received, the invalid data disappears by rewriting 1 ′ to 0 ′. .

  Further, when the transaction impossible notice (step 1005) is received, the card is returned (step 905). In this case, for example, when invalid data 1 ′ is written in the card, when the transaction impossible notice is received from the center 10, the card is returned without any processing. The state of 1 'continues. Therefore, even if it is inserted into another automatic machine 1 again, the transaction impossible notice is received from the center 10 in the same manner, and remains at 1 ′ forever.

  (Card Acceptance Process 2) FIG. 5 is a process flowchart of the plastic card accepting method (2) showing another embodiment of the present invention. Here, the reception process when the card issuer uses the issued card is described. In the case of the card reception process (2), the card is issued without writing the valid / invalid data by the card issue / read device 1. This is a processing method for notifying the automatic machine 9 each time that the center 10 is valid or invalid because the credit examination has passed after it is issued.

  The card user inserts the card issued from the card issuing / reading device 1 into the automatic machine 1 (step 901). The automatic machine 1 reads the card data (step 902) and transmits it to the host (step 903). The host machine 10 searches the database 11 in the center 10 (step 1101), and checks the valid / invalid data registered for each card user (step 1102). If there is valid data, it passes the credit examination and is available, so that the fact that it can be traded is transmitted to the automatic machine 9 (step 1103). When the automatic machine 9 receives a notice that the transaction is possible, the automatic machine 9 recognizes that the card is a valid card (step 907) and starts a normal transaction.

  If the credit check is not completed as a result of the search, that is, if the invalid data is registered (N in Step 1102), a transaction impossible notice is transmitted to the automatic machine 9 (Step 1104). The automatic machine 9 that has received the notification that the transaction is impossible determines that the card cannot be traded and returns the card (step 908). In this way, when the card is issued without valid / invalid data being written to the card, the valid / invalid is registered in the database for each issuer by managing only the center 10, and the card is inserted. Each time the database is searched to detect whether it is valid or invalid and notified to the automatic machine 9 side, the load on the center 10 side is heavy. Therefore, this method (2) may be performed in a center having a large-scale database.

  As described above, according to the present invention, since a card is issued at the same time as a card issuance request, a sense of security can be given to the card issuer. In addition, since the card issuer issues the card immediately, there is an advantage that the cost of creating the card and mailing the card can be saved, and only the postcard is mailed. .

  In addition, the card is issued at the time of the request for which the identity is confirmed, and the postcard that has become valid does not require proof of delivery, so the postage cost is further reduced. There is no need to receive the mail directly, and it is only necessary to check the postcard posted even in the absence, and there is no need to go to the post office.

It is a block diagram of the whole plastic card issue system which shows one Example of this invention. 1 is an external perspective view of a card issuing / reading apparatus showing an embodiment of the present invention. It is a process flowchart of the plastic card issuing method which shows one Example of this invention. It is a process flowchart of the reception method (1) of the card | curd issued in FIG. It is a process flowchart of the plastic card reception method (2) which shows the other Example of this invention.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 ... Card issuing and reading apparatus, 101 ... Speaker, 102 ... Handset, 103 ... Microphone, 104 ... Hand camera, 105 ... Card issuing port, 106 ... Person camera, 107 ... Color LCD with touch panel, 108 ... Document camera, 109 ... Document Set surface / invoice issuing port, 21: lower network, 22: upper network, 3 ... reception terminal, 4 ... central processing unit, 5 ... sales office, 6 ... centralized center, 7 ... home of card issuer, 9 ... Automatic machine, 10 ... Host machine

Claims (3)

In a method executed by an unattended contract system that accepts a card issue request,
Card issuing machine
A step of receiving input of information necessary for card issuance including a credit examination result notification destination;
Issuing the card with invalid data indicating that the card cannot be used,
Transmitting information on matters necessary for card issuance including a notification destination of the input credit examination result to a host device;
Have
Automatic teller machine
Reading card information;
Transmitting the read card information to the host device;
Have
The host device is
Storing credit pass / fail information based on information on matters necessary for card issuance;
Determining whether invalid data is included in the card information received from the automatic teller machine;
When the received card information does not contain invalid data, a transaction possible notification is transmitted to the automatic teller machine,
If the received card information includes invalid data, further determining whether the user has passed the credit check based on the stored credit check pass / fail information; and ,
If the user passes the credit examination, a step of sending an invalid data application notification to the automatic teller machine,
If the user has not passed the credit examination, a step of sending a transaction impossible notice to the automatic teller machine,
Have
The automatic teller machine is
Receiving a transaction available notification from the host device and executing a transaction;
Executing a transaction upon receiving the invalid data disappearance notification from the host device;
Not allowing a transaction to be performed upon receipt of the transaction disable notification from the higher-level device;
Have In a method executed by an unattended contract system that accepts a card issue request,
A step of receiving input of information necessary for card issuance including a credit examination result notification destination;
Issuing the card with invalid data indicating that the card cannot be used,
Reading card information;
Storing credit pass / fail information based on information on matters necessary for card issuance;
Determining whether the read card information includes invalid data; and
Carrying out a transaction if the read card information does not contain invalid data; and
If the read card information includes invalid data, further determining whether the user has passed the credit check based on the stored credit check pass / fail information; and ,
If the user passes the credit check, the invalid data is cleared and the transaction is executed.
A step that prevents the transaction from being conducted if the user has not passed the credit review,
Have In a method executed by an automatic transaction apparatus that performs a transaction using a card,
Reading card information;
Determining whether the read card information includes invalid data; and
Carrying out a transaction if the read card information does not contain invalid data; and
If the read card information contains invalid data, further determining whether the user has passed the credit check; and
If the user passes the credit check, the invalid data is cleared and the transaction is executed.
A step that prevents the transaction from being conducted if the user has not passed the credit review,
Have

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