JP2007041737A - Card unitary management system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To make it unnecessary to install the reader/writer of card information, and to make it unnecessary for a user to carry a plurality of cards for reducing the possibility of the loss or theft of a card, and for reducing the possibility of the leakage of card information when the loss or theft of the card, and for improving convenience and security. <P>SOLUTION: This card unitary management system is provided with a card information management system for managing the card information of the card of a user, a common card equipped with a storage part for storing the personal information of the user, a card dealing device connected to the card information management system so as to be operated by using the common card and a card company system connected to the card information management system for performing the transaction processing using the card of the user. The card information management system is accessed from the card transaction device by using the common card of the user, and authentication is operated between the card information management system and the card company system so that the transaction processing using the card of the user can be performed. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to a unified card management system.

  Conventionally, in a branch of a financial institution such as a bank, a credit union, a post office, or consumer finance, that is, in a sales office, a user as a customer opens an account in the financial institution, and deposits, withdrawals, Various financial transactions such as transfers, transfers and balance inquiries are performed. A user operates an automatic transaction apparatus such as an ATM (Automatic Teller Machine) or a CD (Cash Dispenser) installed in a branch of a financial institution to operate the financial transaction. You can now trade. For example, when making a withdrawal, the user uses a card such as a cash card, a credit card, or a loan card as means for authenticating the person, and inputs a personal identification number as authentication data for authenticating the identity. By doing so, you can withdraw money.

  Also, in stores such as shops and restaurants, the PIN is used as authentication data for authenticating the identity of the person by operating a payment terminal arranged at the cash register and using a card such as a cash card or credit card. By inputting, payment for goods and services can be made.

  By the way, cards such as cash cards, credit cards, and loan cards are provided with storage units such as magnetic stripes and ICs, and each card stores each piece of card information in the storage unit. Yes. However, when a user has multiple accounts or uses different types of cards such as cash cards, credit cards, loan cards, etc., it is necessary to carry multiple cards, which is inconvenient. . Therefore, a system for rewriting card information stored in the storage unit of one card using a card information reading / writing device connected to an external storage device that stores card information of a plurality of cards has been proposed. (For example, refer to Patent Document 1). In this case, one card can be used instead of a plurality of cards by writing the card information of the card to be used in the storage unit of the predetermined card.

In addition, a system in which a plurality of pieces of card information are stored in advance in a storage unit of one IC card has been proposed (see, for example, Patent Document 2). In this case, desired card information is selected and used from a plurality of card information read by a card handling device such as an automatic transaction device or a payment terminal.
Japanese Patent Laid-Open No. 10-340231 JP 2001-155122 A

  However, in the conventional system, it is necessary to rewrite the card information according to the card to be used, or a dedicated device is necessary for registering new card information, which is a problem in convenience. was there. In addition, since the card information is stored in the storage unit of the card itself, there is a risk of leakage of the card information if the card is lost or stolen, and the card company corresponding to each card stops using it. There was a problem that it was troublesome.

  The present invention solves the problems of the conventional system, the card information management system manages the card information of a plurality of cards owned by the user, and the card handling device is stored in the storage unit of the common card The card information management system is accessed based on the personal information of the user, and the card information of the desired card is acquired, so that a card information reading / writing device is not required, and the user can select a plurality of cards. Since there is no need to carry the card, it is unlikely that the card will be lost or stolen. Even if the card is lost or stolen, the card information will not be leaked. The purpose is to do.

  Therefore, in the integrated card management system of the present invention, a card information management system for managing card information of a user's card, a common card having a storage unit for storing the personal information of the user, and the card information management A card handling device that is connected to a system and operates using the common card; and a card company system that is connected to the card information management system and executes transaction processing using the user's card; Transaction processing using the user's card is executed by accessing the card information management system from the card handling device using a common card and performing authentication between the card information management system and the card company system. The

  In another integrated card management system of the present invention, the card handling device further includes a screen display unit that displays a screen for setting whether or not a common card can be used for the user's card.

  In yet another integrated card management system according to the present invention, the card information management system further suspends the use of the card to the card company system of all cards when a procedure for stopping the use of the card is performed by the user. contact.

  In still another integrated card management system according to the present invention, the card information management system further includes a card company system for a card selected by the user when a procedure for stopping the use of the card is performed by the user. Notify card suspension.

  In yet another integrated card management system of the present invention, the card information management system further executes a use stop process for the common card when a procedure for stopping the use of the common card is performed by the user.

  In the card handling device of the present invention, a card handling device connected to a card information management system for managing card information of a user's card, comprising a common card comprising a storage unit for storing the user's personal information By using and operating, the card information management system is accessed, and authentication is performed between the card information management system and a card company system that executes transaction processing using the user's card, and the use Transaction processing using the person's card.

  The card handling apparatus according to the present invention further includes a screen display unit for displaying a screen for setting whether or not the common card can be used for the user's card.

  According to the present invention, the card central management system manages the card information of a plurality of cards owned by the user by the card information management system, and the card handling device stores the user's personal information stored in the storage unit of the common card. Based on the information, the card information management system is accessed to obtain card information of a desired card. This eliminates the need for card information reading / writing devices and eliminates the need for users to carry multiple cards. Therefore, the possibility of card loss or theft is low, and card information can be stored even in the event of card loss or theft. The possibility of leakage can be reduced, the convenience can be increased, and the security can be increased.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.

  FIG. 1 is a block diagram showing a configuration of a centralized card management system according to the first embodiment of the present invention.

  In the figure, reference numeral 50 denotes a central card management system according to the present embodiment, which has a card information management system 10 that centrally manages card information of a plurality of cards owned by a user. The card information management system 10 includes a calculation unit such as a CPU and an MPU, a storage unit such as a magnetic disk and a semiconductor memory, an input unit such as a keyboard and a mouse, a display unit such as a CRT and a liquid crystal display, and a communication interface. It is a kind of computer system. The card information management system 10 may be composed of a single computer, may be a computer system in which a plurality of computers are organically coupled, or is configured integrally with other computer systems. It may be a part of a plurality of systems constructed in a large computer system.

  The card is a cash card for performing financial transactions such as deposit, withdrawal, transfer, transfer, balance inquiry, etc. with an automatic transaction device such as ATM, CD of a financial institution, card loan setting with the automatic transaction device, Loan cards for carrying out financial transactions such as borrowing of cash, repayment of borrowings, products purchased at stores such as stores and restaurants, credit cards for performing credit payments for services, etc., products purchased at the stores, Debit card for settlement of accounts for services, etc., electronic money for performing electronic money settlement of prices for products purchased at the store, services, etc. by passing pre-charged values to trading partners Any card that is used for financial transactions or payments. It may be a kind card. In addition, a card having the functions of a plurality of types of cards, for example, a card having the functions of a cash card and a credit card may be used.

  The card information management system 10 is connected to the card company systems 31a to 31c, and communicates with the card company systems 31a to 31c to issue cards issued by the card companies that manage the card company systems 31a to 31c. Send and receive various information about. Here, the card company is a bank, a credit union, a post office, a financial institution such as consumer finance, a credit company, an electronic money management company, or the like. Or a group. The card company systems 31a to 31c are a kind of computer system, and perform financial transactions or settlement processing using the card. That is, transaction processing using the user's card is executed. When the card company systems 31a to 31c are described in an integrated manner, the card company systems 31a to 31c are described as the card company system 31. In the figure, three card company systems 31a to 31c are shown. However, the card company system 31 may be singular, plural, or any number.

  Further, the card information management system 10 includes a card information storage unit 11 that stores card information of each card issued to each user by a card company. The card information is information for identifying a card, for example, information such as a card company name, a card number, an expiration date, and an owner name.

  In the present embodiment, the user uses the common card 20 issued by the administrator of the card central management system 50. Here, the administrator of the card integrated management system 50 is a person who has concluded a contract with each of the card companies in advance to manage and operate the card integrated management system 50, and is usually a company or an organization. It may be an individual or any person. The administrator of the card integrated management system 50 issues the common card 20 to a card company user who has signed a contract in advance. The common card 20 is a card similar to a normal cash card, credit card, or the like, but includes an IC chip 21 as a storage unit, and personal information such as a user's name, address, and password is stored in the IC chip 21. Is remembered.

  Also, 40 uses the common card 20 to perform financial transactions such as deposit, withdrawal, transfer, transfer, balance inquiry, card loan setting, cash borrowing, repayment of borrowed money, goods, services, etc. It is a card handling device for performing credit settlement, account settlement, electronic money settlement, etc. Here, the card handling device 40 is an automatic transaction device such as ATM, CD, etc. installed in a branch of a financial institution, that is, a sales office, etc., and is a device in which a user operates the transaction by himself / herself. It may be. The card handling device 40 is disposed in a store of a store such as a convenience store, a supermarket, and a department store, and has a ticket reservation function, a product purchase application function, a credit card credit confirmation function, a facility information guidance function, and the like. A multifunction terminal such as a KIOSK terminal may be used. Further, the card handling device 40 is a store of a store such as a convenience store, a supermarket, a department store, an accommodation facility such as a inn or a hotel, a restaurant such as a restaurant, a restaurant, a recreational facility such as a theater, a movie theater, or a theme park, an airplane In a sales facility such as a store that sells various services and products such as transportation such as trains, it was installed at a place where payment for the services and products sold, such as cash registers, front desks, sales counters, etc. It may be a payment terminal.

  Here, the card handling device 40 is a kind of computer, a computing means such as a CPU and MPU, a storage means such as a magnetic disk and a semiconductor memory, an input means such as a keyboard and a touch panel, and an IC chip 21 of the common card 20. A card handling device having a reading means for reading personal information stored in the card, an information input unit 41 including a keyboard for inputting characters, numbers, and the like, and display means such as a CRT, liquid crystal display, LED (Light Emitting Diode) display, etc. An operation means including a screen display unit 42, a communication interface, a transaction statement, a printing means for issuing a receipt, and the like. Note that the information input unit 41 is preferably a touch panel having a function of the screen display unit 42 so that a user or the like can easily perform an operation.

  The card handling device 40 is connected to the card information management system 10 via the network 32. The network 32 includes a wired or wireless public communication line network, a dedicated communication line network, the Internet, an intranet, a LAN (Local Area Network), a WAN (Wide Area Network), a VPN (Virtual Private Network), a satellite communication line network. Any communication network may be used, or a combination of these may be used as appropriate.

  In the case of the card central management system 50 according to the present embodiment, the user who is the card owner registers personal information such as name, address, and password in the card information management system 10 in advance. The user registers card information such as the card company name, card number, expiration date, and owner name of the card owned by the user in the card information management system 10. In this case, the card may be singular or plural. Then, the user uses the common card 20 instead of the card when performing financial transactions or settlement using the card owned by the user. When the card handling device 40 is operated using the common card 20, the card handling device 40 accesses the card information management system 10 and displays the card information of the card owned by the user on the screen display unit 42 so as to be selectable. To do. Then, the user selects one corresponding to the desired card from the displayed card information. Then, by performing authentication between the card information management system 10 and the card company system 31, transaction processing using the user's card is executed by the card company system 31. Thereby, it is possible to perform financial transactions and settlements using the selected card.

  Next, the operation of the card central management system 50 having the above configuration will be described.

  2 is a diagram showing a card selection screen according to the first embodiment of the present invention, FIG. 3 is a diagram showing a transaction selection screen according to the first embodiment of the present invention, and FIG. 4 is a diagram showing the first embodiment of the present invention. It is a flowchart which shows operation | movement of the card integrated management system in the form of.

  Here, the operation in the case where the card handling apparatus 40 is an automatic transaction apparatus and the user performs financial transactions by operating the card handling apparatus 40 by himself will be described.

  First, when the user who is the card owner operates the operation means of the card handling device 40 to use the common card 20, the card handling device 40 accesses the card information management system 10 via the network 32. . Then, a message prompting the input of a password is displayed on the screen display unit 42 of the card handling device 40, and the user operates the information input unit 41 to input the password. Then, it is determined whether or not the personal identification number matches a personal identification number registered in advance, that is, whether or not the personal identification number is OK, and the user is authenticated. The personal authentication can also be performed by biometric authentication using biological features such as a user's fingerprint, iris, palm vein, etc., instead of inputting a personal identification number.

  When the personal identification number is OK and the user authentication is normally performed, the card information management system 10 is logged in, and a card selection screen as shown in FIG. 2 is displayed on the screen display unit 42 of the card handling device 40. Is done. Here, the desired card is selected by selecting the card company that issued the card. In the illustrated example, three card companies can be selected.

  Subsequently, when the user operates the information input unit 41 and selects a card company corresponding to a desired card from the card companies displayed on the card selection screen, the screen display unit 42 is displayed as shown in FIG. The transaction selection screen is displayed. In the illustrated example, four financial transactions can be selected.

  Subsequently, when the user operates the information input unit 41 and selects a desired transaction from among the transactions displayed on the transaction selection screen, the card information management system 10 displays the card company system of the card company selected by the user. 31 is accessed. Then, authentication is performed between the card information management system 10 and the card company system 31 according to the transaction content selected by the user.

  Here, if the authentication is normally performed, that is, if the authentication is OK, a transaction is possible with the card company system 31 of the card company selected by the user. Then, the transaction selected by the user is executed, and after the transaction ends, the card handling device 40 returns the common card 20 to the user, and the process ends. If the authentication is not OK, the common card 20 is returned to the user without executing the transaction, and the process ends.

Next, a flowchart will be described.
Step S1 The user uses the common card 20 to access the card information management system 10.
Step S2: Enter a password.
Step S3: It is determined whether or not the password is OK. If the password is OK, the process proceeds to step S4. If the password is not OK, the process returns to step S2.
Step S4: A card selection screen is displayed on the screen display unit 42.
Step S5: Select a card company.
Step S6: A transaction selection screen is displayed on the screen display unit 42.
Step S7 Select a transaction.
Step S8: Authentication is performed between the card information management system 10 and each card company system 31.
Step S9: It is determined whether or not the authentication is OK. If the authentication is OK, the process proceeds to step S10, and if the authentication is not OK, the process proceeds to step S11.
Step S10 Execute a transaction.
Step S11: The common card 20 is returned to the user, and the process is terminated.

  Thus, in this embodiment, card information is managed by the card information management system 10. This eliminates the need for a card information reading / writing device and improves convenience. Further, since there is no need for the user to carry a plurality of cards, the possibility of card loss or theft can be reduced. Furthermore, even if the common card 20 is lost or stolen, there is no possibility that the card information is leaked to a third party, so that security can be improved.

  Next, a second embodiment of the present invention will be described. In addition, about the thing which has the same structure as 1st Embodiment, the description is abbreviate | omitted by providing the same code | symbol. The description of the same operation and the same effect as those of the first embodiment is also omitted.

  FIG. 5 is a first diagram showing a card selection screen according to the second embodiment of the present invention, FIG. 6 is a second diagram showing a card selection screen according to the second embodiment of the present invention, and FIG. It is a flowchart which shows operation | movement of the card centralized management system in the 2nd Embodiment of invention.

  In the present embodiment, the user can set the card information in advance so that the common card 20 cannot be used for any card registered in the card information management system 10. It is like that. For example, a user can set beforehand about a card with low frequency of use so that the common card 20 cannot be used.

  The setting for preventing the use of the common card 20 can be performed at the time when the transaction using each card is completed. Also, the setting can be similarly released. That is, the use permission setting of the common card 20 for each card can be changed at the end of the transaction.

  Further, even when a card set so that the common card 20 cannot be used is required to be used, it can be selected and used on the card selection screen.

  Next, the operation of the card central management system 50 in the present embodiment will be described. Also in the present embodiment, as in the first embodiment, the card handling device 40 is an automatic transaction device, and the user performs financial transactions by operating the card handling device 40 himself. The operation will be described. Since the password is OK and the operation up to logging in to the card information management system 10 is the same as that in the first embodiment, description thereof is omitted.

  Then, when logging into the card information management system 10, a card selection screen as shown in FIG. 5 is displayed on the screen display unit 42 of the card handling device 40. In the example shown in the figure, the cards set so that the common card 20 can be used are only cards issued by the card company AAA, and the cards issued by other card companies are designated as the common card 20. It is set so that it cannot be used.

  Here, when it becomes necessary to use a card other than the card issued by the card company AAA, the user selects “Other”. Then, a card company search screen as shown in FIG. 6 a is displayed on the screen display unit 42. The user inputs the card company name or a part of the card set in advance so that the common card 20 cannot be used, and executes a search. The card information management system 10 causes the screen display unit 42 to display a card company that matches the search condition from all the card companies affiliated with the card information management system 10.

  Subsequently, when the user operates the information input unit 41 and selects a card company corresponding to a desired card from the card companies displayed on the card selection screen as shown in FIG. A transaction selection screen is displayed at 42.

  Subsequently, when the user operates the information input unit 41 and selects a desired transaction from among the transactions displayed on the transaction selection screen, the card information management system 10 displays the card company system of the card company selected by the user. 31 is accessed. Then, authentication is performed between the card information management system 10 and the card company system 31 according to the transaction content selected by the user.

  Here, if the authentication is normally performed, that is, if the authentication is OK, a transaction is possible with the card company system 31 of the card company selected by the user. When the transaction selected by the user is executed and the transaction ends, a screen for setting whether or not the common card 20 relating to each card can be used is displayed on the screen display unit 42. When the user sets whether or not the common card 20 can be used, the card handling device 40 returns the common card 20 to the user and ends the process. If the authentication is not OK, the common card 20 is returned to the user without executing the transaction, and the process ends.

Next, a flowchart will be described.
Step S21 The user accesses the card information management system 10 using the common card 20.
Step S22: Enter the password.
Step S23: It is determined whether or not the password is OK. If the password is OK, the process proceeds to step S24. If the password is not OK, the process returns to step S22.
Step S24: The card selection screen is displayed on the screen display unit 42.
Step S25: A card company is selected.
Step S26: It is determined whether or not “Other” has been selected. If “others” is selected, the process proceeds to step S27. If “others” is not selected, the process proceeds to step S28.
Step S27: The card company of the card that cannot use the common card 20 is displayed.
Step S28: The transaction display screen is displayed on the screen display unit 42.
Step S29 Select a transaction.
Step S30: Authentication is performed between the card information management system 10 and each card company system 31.
Step S31: Whether or not the authentication is OK is determined. If the authentication is OK, the process proceeds to step S32. If the authentication is not OK, the process proceeds to step S34.
Step S32 The transaction is executed.
Step S33: A common card use availability setting screen is displayed.
Step S34: The common card 20 is returned to the user, and the process is terminated.

  As described above, in the present embodiment, the user sets the card information in advance so that the common card 20 cannot be used for any card among the cards registered in the card information management system 10. Can be done. For this reason, even if the common card 20 is lost or stolen, the cards that can use the common card 20 are limited, so that damage can be minimized. Further, even if a card company of a card set so that the common card 20 cannot be used is displayed on the card selection screen, it is difficult to specify the card company. Can be prevented.

  Next, a third embodiment of the present invention will be described. In addition, about what has the same structure as 1st and 2nd embodiment, the description is abbreviate | omitted by providing the same code | symbol. Also, the description of the same operations and effects as those of the first and second embodiments is omitted.

  By the way, in the case of loss or theft of multiple cards, if the user contacts each card company and the procedures for stopping the use of each card are performed for each company, the card company will be contacted later. If you are late or you don't know your card company's contact information immediately, it may take time to stop transactions using the card, and there is a probability that the card will be used illegally by a third party. Get higher.

  Therefore, in this embodiment, when the card is lost or stolen, the user can access the card information management system 10 by telephone, e-mail, etc., and carry out the procedure for stopping the use of the card. Yes. In this case, if the card information management system 10 performs a procedure for stopping the use of the card by the user, the card information management system 10 stores the card information in all the cards that the user has registered in the card information management system 10. On the other hand, all the cards of the user are informed to stop use. The card company system 31 that has been contacted by the card information management system 10 executes a transaction stop process for stopping the transaction using the user's card. Then, the card company system 31 notifies the user that the transaction stop process has been executed via the card information management system 10 or directly without going through the card information management system 10.

  As described above, in this embodiment, when the user performs a card use stop procedure for the card information management system 10, the card company system 31 of all cards uses the user's card. Is supposed to stop. Therefore, even if multiple cards are lost or stolen, the user does not have to carry out individual suspension procedures for multiple card companies. Transactions using cards can be stopped. Thereby, the convenience for the user is improved, and the possibility of unauthorized use of the card is reduced, thereby improving the security.

  Next, a fourth embodiment of the present invention will be described. In addition, about the thing which has the same structure as 1st-3rd embodiment, the description is abbreviate | omitted by providing the same code | symbol. Explanation of the same operations and effects as those of the first to third embodiments is also omitted.

  By the way, in the said 3rd Embodiment, when a user performs the procedure of a card | curd use stop with respect to the card information management system 10, the card company system 31 of all the cards will perform a transaction stop process. It has become. Therefore, when a user performs a card reissue procedure, the procedure must be performed for all card companies, which takes time and effort.

  Therefore, in this embodiment, when accessing the card information management system 10 and performing a procedure for stopping the use of the card, the user can select a card to be used. . Then, the card information management system 10 notifies only the card company system 31 of the card selected by the user so as to stop the use of the card selected by the user.

  Therefore, the user does not need to reissue a card that has not been lost or stolen. This further improves user convenience.

  Next, a fifth embodiment of the present invention will be described. In addition, about the thing which has the same structure as 1st-4th embodiment, the description is abbreviate | omitted by providing the same code | symbol. Explanation of the same operations and effects as those of the first to fourth embodiments is also omitted.

  In the present embodiment, when the common card 20 is lost or stolen, the user can access the card information management system 10 by telephone, e-mail, etc., and perform a procedure for stopping the use of the common card 20. It has become. In this case, the card information management system 10 executes a use stop process for the common card 20 and stops accessing the card company system 31 via the card information management system 10. Never contact the card to stop using it.

  Therefore, since the card issued by each card company can be used as it is, the user only has to perform the reissue procedure for only the common card 20. This further improves user convenience.

  In addition, this invention is not limited to the said embodiment, It can change variously based on the meaning of this invention, and does not exclude them from the scope of the present invention.

It is a block diagram which shows the structure of the card centralized management system in the 1st Embodiment of this invention. It is a figure which shows the card selection screen in the 1st Embodiment of this invention. It is a figure which shows the transaction selection screen in the 1st Embodiment of this invention. It is a flowchart which shows operation | movement of the card centralized management system in the 1st Embodiment of this invention. It is a 1st figure which shows the card selection screen in the 2nd Embodiment of this invention. It is a 2nd figure which shows the card selection screen in the 2nd Embodiment of this invention. It is a flowchart which shows operation | movement of the card centralized management system in the 2nd Embodiment of this invention.

Explanation of symbols

DESCRIPTION OF SYMBOLS 10 Card information management system 20 Common card 21 IC chip 31, 31a, 31b, 31c Card company system 40 Card handling apparatus 42 Screen display part 50 Card integrated management system

Claims (7)

(A) a card information management system for managing card information of a user's card;
(B) a common card comprising a storage unit for storing personal information of the user;
(C) a card handling device connected to the card information management system and operated using the common card;
(D) a card company system connected to the card information management system and executing transaction processing using the user's card;
(E) Transaction using the user's card by accessing the card information management system from the card handling device using the common card and performing authentication between the card information management system and the card company system. A card integrated management system characterized in that processing is executed. The said card handling apparatus is a card centralized management system of Claim 1 provided with the screen display part which displays the screen which sets the usability | use_condition of the common card regarding the said user's card | curd. The card integrated management system according to claim 1, wherein the card information management system notifies the card company system of all the cards of the card use stop when the user performs the procedure of the card use stop. The card information management system according to claim 1, wherein the card information management system notifies the card company system of the card selected by the user when the card is stopped by the user when the card is stopped. Management system. 2. The integrated card management system according to claim 1, wherein the card information management system executes a common card use stop process when a common card use stop procedure is performed by the user. 3. (A) a card handling device connected to a card information management system for managing card information of a user's card,
(B) The card information management system is accessed by operating using a common card having a storage unit for storing the user's personal information, and the card information management system and the user's card are used. A card handling apparatus characterized in that authentication is performed with a card company system that executes transaction processing, and transaction processing using the user's card is executed. The card handling device according to claim 6, further comprising a screen display unit configured to display a screen for setting whether to use a common card related to the user's card.

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