JP2006285799A - Card issuing function-equipped terminal device and information provision method in the card issuing function-equipped terminal device - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a card issuing function-equipped terminal device allowing card issuing and a transaction of transfer, balance inquiry or the like, and displaying information useful to a user in a waiting time for the card issuing, and also to provide an information provision method in the card issuing function-equipped terminal device. <P>SOLUTION: This card issuing function-equipped terminal device 10 has a display means 10a and information acquisition means 10a, 10b, 10c, 10h acquiring peculiar information of the user outside the device, and performs the issuing of a card and various kinds of procedures including the transfer according to an instruction of the user. The card issuing function-equipped terminal device 10 has a storage means holding a plurality of kinds of issuing cards, and a processing means processing the issuing card taken out of the storage means inside the device. In the card issuing function-equipped terminal device 10, the processing means processes the issuing card on the basis of the peculiar information of the user, and advertisement/publicity information not related to a personal attribute of the user is displayed to the display means 10a during the processing of the card. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to a terminal device with a card issuing function and a method for providing information in the terminal device with a card issuing function, and particularly handles transactions such as transfers and balance inquiries and automatically uses cards used in these transactions. The present invention also relates to a terminal device with a card issuing function that can be issued immediately and an information providing method in the terminal device with the card issuing function.

2. Description of the Related Art Conventionally, a financial institution or the like is provided with a terminal device that performs various transactions using information recorded on a card. The card is issued when the customer makes an application by mail at the counter.
The card is sent to the customer by mail. For this reason, it is several days after the application that the customer gets the card.

As described above, conventionally, it takes a number of days from application to issuance of a card, and a customer has issued a request for immediate issuance of a card.
For this reason, a card issuing device may be provided separately from a terminal device that performs transactions. However, when both a transaction terminal and a card issuing device are provided, there is a problem that the space is taken and the inside of the store becomes narrow.
For this reason, for issuing a loan card, an unmanned contract machine having both functions of a loan contract and a card issuance has been proposed (for example, see Patent Document 1).
JP 2001-325453 A (page 6, FIG. 1)

According to the technique of Patent Document 1, both loan contract and card issuance can be performed. However, the device of Patent Document 1 reads the application form and the identity confirmation document by the scanner or observes the customer by the imaging camera when the customer's credit check is performed. It took time and labor.
Also, it takes some time to automatically issue a card. Until the card was issued, the user had to wait in front of the card issuing device and just wait for the card to be issued. It is preferable for the service provider side to be able to use this waiting time effectively.
Furthermore, when a card is issued, an embossed character or an indented character is imprinted on the card.

An object of the present invention is to provide a terminal device with a card issuing function and a card issuing function, which can perform transactions such as transfers and balance inquiries and card issuance, and displays useful information to a user during a card issuance waiting time. It is to provide an information providing method in a terminal device.
Another object of the present invention is to provide a terminal device with a card issuing function that generates sound when a card is issued and does not mind the noise of card issuance, and an information providing method in the terminal device with the card issuing function.

According to the terminal device with a card issuing function according to claim 1, the subject includes a display unit and an information acquisition unit that acquires unique information possessed by the user, and transfers according to the user's instruction. Is a terminal device with a card issuing function for issuing various procedures and cards, including a storage means for holding a plurality of types of cards for issuing inside the device, and processing into an issuing card taken out from the storage means The processing means performs processing on the card for issuance based on the user's unique information, and during the processing of the card, an advertisement that is not related to the personal attribute of the user. It is solved by presenting the public information to the display means.
The advertisement / publicity information is provided in either the terminal device with a card issuing function or a host device connected to the terminal device with a card issuing function via a communication network.

According to the terminal device with a card issuing function of the present invention, a card issuing function is provided in a terminal device that can perform a transfer procedure, and the transfer procedure and the card issuance can be performed by a single device. Because it is possible, it is compact, it takes up space for installation, and the store space can be used effectively.
In addition, since the card is issued based on the user's unique information, that is, the identification information issued in advance by the card issuer, it is not necessary to provide a scanner or an imaging camera for identification in the terminal device, thereby reducing the cost. In addition to being able to achieve this, it is suitable for operation because it does not require manpower or labor.

In addition, the terminal device with a card issuing function according to the present invention is configured to provide information while issuing a card, and the user can wait for the card issuance without having time to issue the card.
The information to be provided is information that is not related to the personal attributes of the user, which is preferable from the viewpoint of protecting the privacy of the user.

  As information provided to the user, for example, information corresponding to the type of card to be created, information corresponding to the credit card company or financial institution from which the card is issued, or the terminal device with the card issuing function There is information etc. corresponding to the installation store. The type of the card, the card issuer, and the store where the terminal device with the card issuing function is installed are determined based on the unique information. That is, the card type and the like are specified based on the unique information, and the operation terminal is specified based on the input of the unique information.

  The terminal device with card issuing function or the host device counts the number of times the advertisement / public information is provided. Based on this count information, the information provider can be charged.

The advertisement / publicity information includes moving image information and audio information, and audio output means for outputting the audio information is provided.
When the sound information is set to a volume that is larger than the processing sound generated from the processing means and is a volume that can cover the processing sound, the processing sound generated from the device at the time of card issuance becomes difficult for the user to hear, The processed sound is not disturbing to the user, which is preferable.

  In the terminal device with a card issuing function of the present invention, in addition to the transfer procedure, each process such as transfer, balance inquiry, electronic money charging, service point inquiry, and application download to an IC card can be performed. . In addition, the procedure performed by the terminal device with a card issuing function according to the present invention does not include a procedure related to cash transactions.

The information providing method in the terminal device with card issuing function of the present invention has the following features.
A method of providing information in a terminal device with a card issuing function that performs various procedures including transfer according to a user's instruction and a card issuance process. In the card issuance process, unique information is received from the user. A process of acquiring, a process of acquiring information necessary for card issuance based on the specific information, a process of processing the card, and a personal attribute of the user within the time required for the processing It is characterized in that it performs processing for presenting information that is not to be advertised.

  When providing advertisement / publicity information, processing for obtaining the advertisement / publication information from a terminal device with a card issuing function or a host device is performed.

  Further, when providing the advertisement / publicity information, a process of selecting the advertisement / publicity information based on the unique information acquired from the user is performed.

  Further, after presenting the advertisement / publicity, the number of presentations of the publicity / publicity information is counted, and billing information is created. The process of counting the number of presentations of the advertisement / publicity information and creating billing information is performed by the terminal device with card issuing function or the host device.

  As described above, according to the terminal device with the card issuing function of the present invention, it is possible to provide both the various procedure services such as transfer and the card issuing service to the user without requiring a large space. Is possible.

  In addition, since the terminal device with a card issuing function of the present invention has a function of providing information during card issuance, the card issuer and the terminal device installation store are connected via the terminal device of the present invention. It is possible to present advertising / publicity information to users.

The user can also obtain new knowledge without getting bored at the time of card issuance by viewing the advertisement / publicity information presented during card issuance.
The publicity and publicity information provided includes card promotions and campaign information, publicity information such as precautions when using cards, advertising information for credit card companies and banks, advertising information for stores where terminal devices are installed, This information is not related to the personal attributes of the user, such as various types of information. For this reason, even if the information can be seen by others, it is impossible to specify what kind of person the user is, which is preferable from the viewpoint of privacy protection.

  Hereinafter, an embodiment of the present invention will be described with reference to the drawings. It should be noted that members, arrangements, and the like described below do not limit the present invention, and it goes without saying that various modifications can be made in accordance with the spirit of the present invention.

  1 to 6 show an embodiment according to the present invention. FIG. 1 is a perspective view of a terminal device with a card issuing function, and FIG. 2 is a block diagram showing configurations of the terminal device with a card issuing function and a host device. FIG. 3, FIG. 3 is an explanatory diagram showing an outline of a bank-based credit card issuing procedure, FIG. 4 is an explanatory diagram showing a configuration of card issuing means provided in a terminal device with a card issuing function, and FIG. FIG. 6 is a flowchart showing processing related to the advertising fee count in the host device. FIG. 6 is a flowchart showing processing in the control unit of the terminal device with function.

The terminal device 10 with a card issuing function according to the present invention is installed in a head office, a branch, an unmanned store, a convenience store or the like of a financial institution.
As shown in FIG. 1, a terminal device 10 with a card issuing function includes a display 10a as a display unit and an operation unit, an operation unit 10b, a card entrance / exit 10c, and a speaker 10d as an audio output unit on the front side of the device. , A ticket issuing slot 10e from which a receipt or the like is issued, and a non-contact IC card reader 10h.
The display 10a is a touch panel display, which can be input in addition to display, and has both functions of display means and operation means.

Further, the terminal device 10 with a card issuing function includes a CCD camera 10f and a biometric authentication device 10g to enhance security.
The CCD camera 10f takes an image of the user, and this image data is stored together with transaction data. This image data makes it possible to confirm the transaction status reliably.
The biometric authentication device 10g performs pattern authentication of the user's veins to prevent forgery and impersonation.

  The user's biometric pattern is registered in advance in the IC chip of the IC card. When performing a transaction using a card, when a user holds a hand or a finger over the biometric authentication device 10g, near-infrared light is irradiated and a vein pattern is extracted. This extracted vein pattern and the vein pattern registered in advance are collated to confirm the identity.

As shown in FIG. 2, a control unit 18a, a storage unit 18b, a communication control unit 18c, and a card issuing unit 10A are provided inside the terminal device 10 with a card issuing function.
The control unit 18a performs overall control of the terminal device with card issuing function 10 including the above-described components, and performs various processes described below.

  The storage unit 18b stores a control program for the terminal device 10 with a card issuing function. Further, when the advertisement / publicity information presented to the user during card issuance is read from the terminal device 10 with the card issuance function, the advertisement / publicity information is stored.

  The card issuing means 10A includes a hopper unit 11 for storing an issuing card, an encoding unit 13 for reading and writing information stored in the card, an indenting unit 14 for printing indent characters on the card, and an embossed character on the card. Are provided with an embossing portion 15 for embossing, a tipper portion 16 for coloring embossed characters, and a carriage 12 for conveying a card between them.

The terminal device 10 with a card issuing function in this example is configured so that a plurality of processes can be performed by one unit.
The terminal device 10 with a card issuing function in this example includes (1) various processing such as transfer, transfer, balance inquiry, (2) electronic money charging processing to an IC card, (3) card issuing processing, (4) card Various processing such as information provision processing to the user during issue processing, (5) service point inquiry, (6) application download to the IC card, and the like are performed.

  The terminal device 10 with a card issuing function exchanges information with the host device 20, and thereby performs each of the above processes. The terminal device 10 with a card issuing function and the host device 20 in this example are connected via a communication line 30. As the communication line 30, various means such as a dedicated line, LAN, RS232C, USB, etc. can be selected.

The host device 20 corresponds to a billing computer of a financial institution, and is usually placed in a business center of the financial institution.
The host device 20 includes a control unit 21, a storage unit 22, an input unit 23, an output unit 24, and a communication control unit 25.

The storage unit 22 stores information necessary for performing various procedures including transfer.
As information necessary for issuing a card, information regarding a user's reception number, personal identification number, type of card to be issued, name, date of birth, telephone number, address, debit account number, etc. is stored.
The storage unit 22 stores information on a card that has already been issued, such as a card number, a PIN number of the card owner, a name, a date of birth, a telephone number, an address, and a debit account number. Yes.
Further, the storage unit 22 stores information on the user's electronic money, information on service points, and various application data.

  As shown in FIG. 3, a terminal device 10 with a card issuing function installed in a bank store or the like and a host device 20 installed in a business center J of a financial institution are a user U who is a customer, and a bank BK. And various kinds of information are exchanged with the credit card company CR.

Hereinafter, various processes performed in the terminal device 10 with a card issuing function of this example will be described.
(1) Various processes such as transfer, transfer, balance inquiry, etc. When the above process is performed by the terminal device 10 with a card issuing function, the user U first inserts a card into the card slot 10c. The card is a credit card or cash card made up of an IC card or a magnetic card.

The card taken into the apparatus from the card entrance / exit 10c is conveyed to the encoding unit 13 and the information written on the card is read.
Almost at the same time, a password input request is displayed on the display 10a.

When the user inputs an appropriate password, the information read from the card and the password information are sent from the communication control unit 18c to the host device 20.
The host device 20 collates the sent information with the information stored in the storage unit 22.
When it is determined that the information read from the card and the personal identification number are appropriate information, the host device 20 performs various processes designated by the user.

(2) Processing for charging electronic money to IC card When the above processing is performed by the terminal device 10 with a card issuing function, the user U first inserts a card into the card slot 10c. The card used at this time is an electronic money card including an IC unit.

The card taken into the apparatus from the card entrance / exit 10c is conveyed to the encoding unit 13 and the information written on the card is read.
At almost the same time, the current balance is displayed on the display 10a and a password input request is displayed.

When the user inputs an appropriate password, the information read from the card and the password information are sent from the communication control unit 18c to the host device 20.
The host device 20 collates the sent information with the information stored in the storage unit 22.
When it is determined that the information read from the card and the personal identification number are appropriate information, the host device 20 transfers funds from the user's account and transmits a charge signal to the terminal device 10. Upon receiving the charge signal, the terminal device 10 with a card issuing function performs a process of writing a predetermined amount of electronic money to the electronic money card.

(3) Card issuing process The terminal device 10 with a card issuing function of this example can issue various cards such as an IC card, a cash card, a credit card, and a prepaid card type electronic money card.

  In FIG. 3, as an example of the card issuing process, an outline of a bank-based credit card issuing procedure will be described.

  In FIG. 3, the user U who is a customer, the bank BK, the credit card company CR, the office center J of the bank and the credit card company, and the terminal device 10 with a card issuing function are exchanged among these. Procedures ah are shown.

  When user U creates a card, he / she applies to bank BK (procedure a). Applications can be made by mail, e-mail, or on an Internet site. Alternatively, it is performed by the user U directly visiting the bank window.

When the bank BK receives an application from the user U, it requests the credit card company CR for examination and credit check (procedure b).
In the credit card company CR, the user U is examined by various methods.

When the examination is completed, the credit card company CR notifies the bank BK whether the card is issued (procedure c). When the card issuance is permitted, the credit card company CR transmits information necessary for the card issuance to the office center J (procedure d).
Information such as the name, date of birth, telephone number, and address of the user U is transmitted from the credit card company CR.

  When the card issuance is permitted, the bank BK transmits information necessary for the card issuance to the office center J (procedure e). From the bank BK, information regarding a reception number, a password, and a debit account number is transmitted.

  The terminal device 10 with a card issuing function of this example includes a card issuing unit 10A and can issue a card immediately.

When the card issuance is permitted, a reception number as identification information is notified from the bank BK to the user U (procedure f).
The user U goes to the place where the terminal device 10 with a card issuing function is installed and inputs a reception number and a personal identification number (procedure g).
The terminal device 10 with a card issuing function makes an inquiry to the host device 20 based on the reception number and the password. The host device 20 collates the sent information with the information stored in the storage unit 22. When it is confirmed that the reception number and the password are proper, information is obtained from the office center J and a card is created (procedure h).

The above-described flow is when a new card is issued. However, the terminal device with a card issuing function 10 of this example further has a function of automatically creating a new card from an expired card.
It also has a function of issuing an IC card based on a magnetic card.

Processing in this case will be described. When the user U inserts an expired card into the card entry / exit 10c, the card is transported to the encoding unit 13 and information on the user's name and account number is read from the card.
The card issuing means 10A of the terminal device with card issuing function 10 issues the information read from the expired card by transferring it to a new card.

Here, based on FIG.2 and FIG.4, a card issue process is demonstrated in detail with description of the component of the card | curd issuing means 10A.
The card issuing means 10 </ b> A includes a hopper unit 11, a carriage 12, an encoding unit 13, an indenting unit 14, an embossing unit 15, and a tipper unit 16, which are stored in the housing 1.
Cards are stacked and stored in the hopper portion 11. The hopper portion 11 of this example includes five hopper cassettes 11 a, and each hopper cassette 11 a is arranged side by side with the housing 1. Different types of cards are stored in the hopper cassette 11a.

The garage 12 includes a card holding unit 12a and a bar 12b installed in the apparatus.
The card holding part 12a is configured to hold the card in between, and moves along the bar 12b.
That is, since the card holding part 12a can move in the left-right direction (X direction) and the bar 12b can move in the up-down direction (Y direction), the card holding part 12a moves on the virtual surface 1b shown in FIG. It becomes possible to move.

The card is transported by the carriage 12 on the virtual surface, and is transported by the transport path 19a and the transport path 19b at other locations.
The garage 12 directly transfers a card to / from each means (in this example, the indented portion 14, the embossed portion 15, and the tipper portion 16) or is provided adjacent to each means, and a conveyance path ( In this example, the card is transferred to and from the transport paths 19a and 19b), the card is transported, and the card is moved so as to be processed according to a predetermined procedure.

  In the terminal device 10 with the card issuing function of this example, the space for card conveyance is reduced as much as possible as compared to the conventional belt conveyor type card conveying means. As a result, the terminal device 10 with the card issuing function is small. It is planned.

  The encoding unit 13 has a magnetic head and an IC head, and these heads write information such as a card owner and an account number in an IC or magnetic stripe portion provided on the card. The data is encoded and transmitted from the host device.

  The magnetic head and IC head of the encoding unit 13 are driven at a constant speed by a stepping motor, and write the encoded data to the magnetic stripe (MS) on the card according to the JIS standard and ISO standard. Further, data is written to the IC module.

  The indent unit 14 selects characters from the indentation type drum and performs indent processing at the designated position. Indented characters are added to prevent forgery.

  The embossing unit 15 selects characters by using an embossing type drum and performs an embossing process at a designated position. On the card, personal information such as the cardholder's name and account number is imprinted. When the engraving is finished, the card is conveyed to the tipper portion 16 and coloring is performed on the convex portions of the embossed characters.

The card is issued from a card entry / exit 10c shown in FIG.
The error card is collected in the reject box 17. The reject box 17 is provided in the vicinity of the card entry / exit 10c and the encoding unit 13 so as to collect a card having a write error in the encoding unit 13 or an improper card taken in from the card entry / exit 10c. It is configured.

(4) Information provision processing to the user during the card issuance process The terminal device 10 with a card issuance function of the present example is configured such that advertisement / publicity information is presented during the card issuance process.

In the terminal device 10 with the card issuing function of this example, information that is not related to the personal attribute of the user is presented.
As the advertisement / public information, information on the type of card to be created, information on the credit card company or financial institution that issued the card, information on the store where the terminal device 10 with the card issuing function is installed, or Etc.
When the user issues a card, when the user inserts the card into the terminal device 10 or inputs a receipt number, information necessary for issuing the card is inquired on the higher-level device 20 side based on this input information, Based on this, a card type and a credit card company are specified. Then, advertisement / publicity information regarding the specified card type and credit card company is presented.
Further, since the use operation terminal is specified by the user's input operation, the advertisement / publicity information regarding the store where the use operation terminal is installed is specified.

  As information presented for each type of card, for example, an advertisement related to a card issued to the user U is presented. The display 10a presents information on card characteristics, benefits to the user, service information, and the like.

  Information relating to the credit card company or financial institution from which the card is issued includes information from the credit card company or financial institution, public information such as precautions when creating a card and precautions when using the card.

  More specifically, it advertises new financial products and introduces new stores. In addition, as precautions regarding cards, precautions regarding personal identification numbers at the time of creation and precautions when using cards overseas are presented.

As information regarding the store where the terminal device 10 with the card issuing function is installed, PR information of the store where the terminal device is installed, regional information around the store, and the like are presented.
More specifically, information such as campaign information performed at a store and unique services performed at the store is presented.

  In addition, information such as a station, a convenience store, a coffee shop, a book store, a restaurant, a dispatch office, etc. is presented as regional information around the store.

  The user can see this information while the card is issued, and can spend the waiting time until the card is issued without being bored. In addition, it is possible to obtain information effective for oneself from the presented information.

The advertisement / publicity information presented in this example is information relating to issued cards and stores, and is not information depending on an individual.
In recent years, protection of personal information is particularly emphasized from the viewpoint of privacy or from the viewpoint of protecting personal safety.

For this reason, it is not preferable that information identifying an individual is displayed on the display 10a of the terminal device 10 with a card issuing function.
Even if an individual is not specified, it is not preferable to present information that reflects personal preferences.

  In this example, information that is not related to the personal attributes of the user is presented as the advertisement / publicity information. Therefore, during the presentation of the information, someone else looks into the display 10a or hears a voice. Even so, it is impossible to grasp what kind of person the user U is.

  For the user U, although it is not individually selected information, it is information about the card used by the user U and information about the store used by the user U, and obtains information that is advantageous when using the card. Is possible.

The information presented to the user is composed of moving images and audio. The moving image is displayed on the display 10a of the terminal device 10 with a card issuing function.
The sound is an explanation of information and music, and is output from the speaker 10d of the terminal device 10 with a card issuing function.
By presenting information consisting of a moving image and sound during the card issuance process, the user U can wait without getting bored until the card issuance.

Moreover, in the terminal device 10 with a card issuing function of this example, since the sound is output from the speaker 10d, it is possible to cover the mechanical sound during the card issuing process.
In the card issuing process, an indent process and an emboss process are performed, so that a mechanical sound is generated. This mechanical sound may be annoying for the user U.

In the terminal device 10 with the card issuing function of this example, the mechanical sound is covered with the sound generated from the speaker 10d, and the mechanical sound is difficult to reach the user U.
The user U can spend the card issuing time while enjoying moving images and audio.

The sound generated from the speaker 10d is set to a volume that makes it difficult to hear the processing sound of the card when it is heard by the human ear. That is, the card processing sound level (decibel) is set to be lower than the sound level generated from the speaker 10d.
The volume of the card processing sound can be adjusted on the terminal device 10 side by providing a sound adjusting means in the control unit 18a of the terminal device 10.
It is also possible to set the volume on the advertisement / publicity information data. When setting the volume on the data, it is possible to make detailed settings for the change timing and time of the volume. For example, when the processing is set so that the volume increases only when the card is processed, or when the processing time differs between the magnetic card and the IC card, the timing at which the volume increases can be set according to the processing time.

Advertisement / PR information is presented from the end of input by the user to the end of the process, but the data is set so that the volume increases from the card processing start time to the end time. To cover the noise of card processing.
In addition to covering the processing sound by increasing the volume, it may be configured to cover the noise by playing a sound that makes it difficult to hear the processing sound during card processing.

  Since the ticket issuing port 10e is provided in the terminal device 10 with a card issuing function, a coupon ticket is issued from the ticket issuing port 10e when the user U who has seen the advertisement information desires to issue a coupon. It is good also as a structure.

  In this embodiment, the advertisement / public information is stored in the storage unit 22 of the host device 20, but the advertisement / public information is stored on the terminal device with card issuing function 10 side. It is also good.

(5) Service Point Inquiry In the terminal device with card issuing function 10 of this example, the service point can also be inquired.
The host device 20 manages information related to the IC card in a database.
The host device 20 inquires about the validity of the card when a service point inquiry request is received from the user. If the card is valid, the current number of points is read from the database, and a terminal with a card issuing function is provided. Transmit to device 10. The number of points of the user is displayed on the display 10a of the terminal device 10 with a card issuing function.
In this way, the user can confirm the current number of points.
(6) Downloading applications to IC cards IC cards have functions such as traffic tickets, point transaction functions, electronic money functions, etc., but these functions depend on the applications stored in the IC card. Is set.
In the terminal device 10 with a card issue function of this example, each process of issuing a new IC card, switching from a magnetic card to an IC card, or issuing a new IC card based on an expired IC card is performed. At this time, application data desired by the user can be downloaded to the issued IC card.

The host device 20 has various application data, and transmits application data in response to a request from the user.
In addition to basic functions such as credit, the user can acquire a card with one or more various functions such as a traffic ticket, point service, or electronic money.

Here, in FIG. 5, the process performed by the control part 18a of the terminal device 10 with a card issuing function of this example is shown.
The control unit 18a acquires instruction information from the user U (step S1). The user U designates various processes such as card issuance, transfer, transfer, balance inquiry, electronic money charge, point inquiry, and application download.

The control unit 18a requests the user U to input unique information and a password (Step S2).
The unique information is input by inputting a receipt number, inserting a card into the card slot 10c, or reading information in the IC card reader 10h. Input of a reception number, a password, etc. is performed when the user U inputs a numerical value into the display 10a or the operation part 10b. The display 10a, the operation unit 10b, the card slot 10c, and the reader 10h constitute information acquisition means in the present invention.

The control unit 18a transmits the acquired unique information and password to the higher-level device 20 (step S3).
The host device 20 collates the received information with the information in the storage unit 22 and determines whether or not the information sent from the terminal device 10 with the card issuing function is appropriate.
In step S <b> 4, it is determined whether or not an approval has been obtained by the host device 20.

When the approval of the host device 20 is obtained (step S4; Yes), various processes designated by the user U are performed (step S5).
If there is an error in the card, or the reception number or password is inappropriate and the host device 20 does not give an understanding (step S4; No), an error is notified (step S6), and the process ends.

Further, the control unit 18a performs processing for outputting the advertisement / publicity information presented to the user to the display 10a and processing for outputting to the speaker 10d (step S7).
The display 10a receives the moving image information and displays the moving image information, and the speaker 10d receives the audio information and outputs the audio information.

When the card issuance process is performed, the card is discharged from the card entry / exit 10c when the process is completed.
After the processing is completed, the control unit 18a transmits a completion notification to the higher-level device 20 (Step S8). Thus, the process ends.

  FIG. 6 is a flowchart showing a flow of processing relating to the advertising fee count. This process is performed by the host device 20.

When the host device 20 transmits information to the terminal device 10 with a card issuing function (step S11), the control unit 21 of the host device 20 performs a process of incrementing the counter by one (step S12).
Next, it is determined whether or not the current date and time has passed a predetermined billing date (step S13).
The predetermined date is the last day of billing for the advertisement fee, and is specifically designated, for example, at 17:00 on the 20th of every month or 18:00 at the end of the month. Whether or not the due date has passed can be determined by a timer in the apparatus.

If the current date has not passed the predetermined date (step S13; No), the process ends.
When the current date and time has passed a predetermined date (step S13; Yes), the counter value for a certain period is fixed (step S14).

Next, a charge amount is calculated based on the counter value (step S15).
The billing amount is calculated by multiplying the counter value by an advertisement fee defined in advance by a contract or the like.

When the billing amount is calculated, a bill based on this billing amount is created (step S16).
The invoice is created by reflecting the calculated invoice amount in a predetermined format.
The created invoice is sent to the advertiser by e-mail or mail.

As described above, according to the terminal device with card issuing function 10 and the host device 20 of this example, it is possible to charge the advertiser according to the number of times of information presentation.
Therefore, even when the terminal device 10 with the card issuing function of this example is newly introduced, the processing up to the billing process for the advertisement fee has already been systemized, so that there is no need for troublesome paperwork related to the advertisement fee. It is possible to introduce smoothly.

7 and 8 show another embodiment.
FIG. 7 is a perspective view showing the hopper cassette 11a used in this embodiment, and FIG. 8 is an explanatory diagram showing the flow of information between the terminal device with card issuing function 10 and the host device 20 in this embodiment. is there.

The present embodiment relates to an information presentation method when information is presented for each type of card.
In this example, the sensors 11b are respectively provided in the five hopper cassettes 11a of the terminal device 10 with a card issuing function, and information is selected and presented when the sensor 11b detects the feeding of the card. It is configured.

The sensor 11b is provided in the vicinity of the card payout opening 11c of the hopper cassette 11a.
The sensor 11b detects that a card has been paid out from the card payout opening 11c, and outputs a detection signal. This detection signal is configured so that it can be specified from which hopper cassette 11a.
The detection signal is transmitted from the terminal device 10 with a card issuing function to the host device 20.

  When the card issuing process is started and the hopper cassette 11a of the terminal device 10 with a card issuing function receives the detection signal, the detection signal is transmitted to the host device 20.

The host device 20 determines from which hopper cassette 11a the card is fed out based on the transmitted detection signal, and specifies the type of card by specifying the hopper cassette 11a.
When the type of card is specified in this way, the host device 20 performs processing for selecting the advertisement / PR information corresponding to the specified card and transmitting the advertisement / PR information to the terminal device 10 with a card issuing function.

  In the present embodiment, when the host device 20 selects the advertisement / publicity information, it is selected by a detection signal from the hopper cassette 11a, and as shown in FIG. And the processing for presenting advertisement / public information are processed in different systems.

Therefore, it is possible to set a place for the advertisement / public information more freely.
That is, it is possible to prepare another computer for storing the advertisement / publicity information, transmit a detection signal to the other computer, and obtain the advertisement / publicity information from the other computer.

  If advertising / publicity information is stored in another computer, the amount of storage of the advertising / publicity information can be increased, so that more varied advertising / publicity information can be provided.

It is a perspective view of the terminal device with a card issue function of the present invention. It is a block diagram which shows the structure of the terminal device with a card issuing function, and a high-order apparatus. It is explanatory drawing which shows the outline | summary of the issuing procedure of a bank type | system | group credit card. It is explanatory drawing which shows the structure of the card | curd issuing means provided in the inside of a terminal device with a card | curd issuing function. It is a flowchart which shows the process in the control part of a terminal device with a card issue function. It is a flowchart which shows the process regarding the advertisement fee count in a high-order apparatus. It is a perspective view which shows the hopper cassette used in another Example. It is explanatory drawing which shows the flow of the information between the terminal device with a card issue function in another Example, and a high-order apparatus.

Explanation of symbols

DESCRIPTION OF SYMBOLS 10 Terminal device with a card issuing function 10A Card issuing means 10a Display 10b Operation unit 10c Card entry / exit 10d Speaker 10e Ticketing port 10f CCD camera 10g Biometric authentication device 10h Non-contact IC card reader 11 Hopper unit 11a Hopper cassette 11b Sensor 11c Exit 12 Carriage 12a Card holding part 12b Bar 13 Encoding part 14 Indenting part 15 Embossing part 16 Tipper part 17 Reject box 18a Control part 18b Storage part 18c Communication control part 19a, 19b Carriage path 20 Host device 21 Control part 22 Storage part 23 Input Section 24 Output section 25 Communication control section 30 Communication line BK Bank CR Credit card company J Office center U User

Claims (14)

Provided outside the device with display means and information acquisition means for acquiring the unique information possessed by the user,
A terminal device with a card issuing function for issuing various procedures including a transfer and issuing a card in accordance with an instruction of the user,
A storage means for holding a plurality of types of cards for issuing inside the apparatus, and a processing means for processing the issuing cards taken out from the storage means,
Based on the user's unique information, the processing means processes the issuing card, and during the processing of the card, advertisement / publicity information unrelated to the user's personal attributes is displayed on the display means. A terminal device with a card issuing function, which is presented. 2. The card issuance according to claim 1, wherein the advertisement / publicity information is provided by either the terminal device with the card issuing function or the host device connected to the terminal device with the card issuing function through a communication network. Functional terminal device. 2. The terminal device with a card issuing function according to claim 1, wherein the unique information of the user is information including identification information issued in advance from a card issuer. The advertising / publicity information corresponds to information corresponding to the type of card to be created, information corresponding to the credit card company or financial institution from which the card is issued, or a store where the terminal device with the card issuing function is installed. The terminal device with a card issuing function according to claim 1, further comprising: 5. The terminal device with a card issuing function according to claim 4, wherein the store of the card type, the card issuer, and the terminal device with the card issuing function is determined based on the unique information. The terminal device with a card issuing function according to claim 1 or 2, wherein the terminal device with the card issuing function or the host device counts the number of times the advertisement / public information is provided. 2. The terminal device with a card issuing function according to claim 1, wherein the advertisement / publicity information includes moving image information and audio information, and is provided with audio output means for outputting the audio information. 8. The terminal device with a card issuing function according to claim 7, wherein the voice information is set to a volume higher than a processing sound of the card. The various procedures including the transfer further include processes such as transfer, balance inquiry, electronic money charge, service point inquiry, application download to the IC card, etc., and the procedure does not include cash transactions The terminal device with a card issuing function according to claim 1. An information providing method in a terminal device with a card issuing function for performing various procedures including transfer according to a user's instruction and issuing a card,
In the card issuance process, a process for obtaining unique information from the user, a process for obtaining information necessary for card issuance based on the unique information, a process for processing the card, and a requirement for the process A method of providing information in a terminal device with a card issuing function, characterized in that processing for presenting advertisement / publicity information not related to the personal attribute of the user in time is performed. 11. The card issuing function according to claim 10, wherein processing for obtaining the advertising / public information is performed from the terminal device with card issuing function or a host device before the processing for providing the advertising / public information. Information providing method in attached terminal device. 11. The card issuing function according to claim 10, further comprising a process of selecting the advertisement / PR information based on the unique information acquired from the user before the process of providing the advertisement / PR information. Information providing method in terminal device. 11. The terminal device with a card issuing function according to claim 10, wherein a process of counting billing information and creating billing information is performed after the process of presenting the advertisement / publicity information. Information provision method in Japan. 14. The information in the terminal device with card issuing function according to claim 13, wherein the processing for counting the number of presentations of the advertisement / public information and creating billing information is performed by the terminal device with card issuing function or a host device. How to provide.

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