JP2021018647A - Settlement medium enabling method and system - Google Patents

Abstract

To provide a simpler settlement medium enabling method and system, and especially for corporations, to reduce the burden of personal information management on settlement medium providers.SOLUTION: An enabling method for enabling a settlement medium by a settlement medium provider who provides the settlement medium for payment by value having monetary value includes registering registration information by a user or a manager, providing the settlement medium and an identification code to the user or the manager from the settlement medium provider on the basis of the registration information, transmitting, by the user, an enabling request including at least the identification code and user identification information or manager identification information to the settlement medium provider, and enabling the settlement medium based on the enabling request.SELECTED DRAWING: Figure 8

Description

The present invention relates to a payment medium activation method and system.

Traditionally, payments using intangible assets (hereinafter referred to as "values") that have monetary value such as legal tender value, electronic money, and other points have become widespread, and as an example, they are used in the general mechanism of electronic money payment. A person purchases a product or service sold by a member store by charging a certain amount of electronic money in advance or immediately and handing it to a member store that is an electronic money user by a predetermined method, and becomes a member. The store receives payment of cash, etc. from the electronic money issuer in exchange for electronic money equivalent to the sales proceeds.

Examples of the method for charging electronic money include a charging method using cash and a charging method linked to an object capable of guaranteeing the solvency of a credit card, a bank account, etc. (for example, Patent Document 1). Further, a method in which a user can select a plurality of charging methods (funding sources) from options is also disclosed (for example, Patent Document 2).

Japanese Patent No. 6473487 JP-A-2018-160267

By the way, conventionally, payments have been made at stores and the like using value payment media such as electronic money (for example, physical cards in which predetermined card information is printed on plastic), but when using payment media, In the procedure for activation, the user may find it complicated because there are many items to be input by the user.

In addition, especially in a corporation, when an employee uses a physical card as a corporate card, the information entered by the employee for activation goes through the card company, and the card company handles a large amount of personal information. Therefore, the load of security measures becomes large.

Therefore, an object of the present invention is to provide a simpler method and system for enabling a payment medium, and to reduce the burden of personal information management on a payment medium provider, especially for corporations.

It is an activation method that activates the payment medium by a payment medium provider that provides a payment medium for payment with a value having monetary value, and a user or an administrator registers registration information in the registration information. Based on this, the payment medium provider provides the payment medium and the identification code to the user or the administrator, and the user requests activation including at least the identification code and the user identification information or the administrator identification information. It is transmitted to the payment medium provider, and the payment medium is activated based on the activation request.

According to the present invention, it is possible to provide a simpler method and system for activating a payment medium, and to reduce the burden of personal information management on the payment medium provider, particularly for corporations.

It is a block block diagram which shows the system which concerns on embodiment of this invention. It is a functional block block diagram which shows the card company terminal 100 of FIG. It is a functional block block diagram which shows the user terminal 200 of FIG. It is a functional block block diagram which shows the administrator terminal 300 of FIG. It is a schematic diagram which shows an example of the user data stored in the card company terminal 100. It is a schematic diagram which shows an example of the telegram data stored in the card company terminal 100. It is a schematic diagram which shows an example of the administrator data stored in the card company terminal 100. It is a modification of the flowchart which concerns on the activation method which concerns on one Embodiment of this invention. This is an example of a flowchart relating to an activation method according to another embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described with reference to the drawings. It should be noted that the embodiments described below do not unreasonably limit the contents of the present disclosure described in the claims. In addition, not all of the components shown in the embodiments are essential components of the present disclosure.

<Composition>
FIG. 1 is a block configuration diagram showing a payment medium activation system according to an embodiment of the present invention. In this embodiment, as an example, a card company terminal 100, which is a terminal of a card company that issues a physical card, a user terminal 200, which is a terminal of a user who uses the physical card, and, for example, a user is a corporation. It is composed of an administrator terminal 300, which is an administrator's terminal that manages the issuance of physical cards when an employee belongs to the above, and a funding source 400, which is a source of expenditure when the user uses the card. The system will be illustrated and described. This system is an example and is not limited to this configuration. For example, when an individual uses a physical card, the administrator terminal 300 does not have to be provided, and all the configurations are connected to each other via a network NW. It does not have to be.

A card company is a so-called issuer of a credit card or a prepaid card, which issues a card to a user and manages credit. For example, in the case of a prepaid card, the balance of the user's electronic money is managed. When a user uses a prepaid card in exchange for a product at a member store, the transaction is authorized (approved). The user can be an individual user or a corporate user, and in the case of a corporation, the corporation issues a card to another corporation as a secondary issuer (partner), and the company provides the card. It is also conceivable to add a function to provide the service. If the user is an employee belonging to a corporation and the card company issues the card as a corporate card, the administrator belonging to the corporation issues the card to the business division or employee, and the user is It is also conceivable to use the card for business-related purposes such as business trips, meetings and entertainment.

In addition, the card company issues a prepaid card, for example, a so-called virtual card, which is displayed via application software installed by the user on a mobile terminal such as a smartphone, or responds to a request from the user. Accordingly, it is possible to issue an IC card having a built-in magnetic card or IC chip, which is called a physical card and has predetermined card information printed on plastic such as a credit card or a debit card. In general, a virtual card is used for transactions such as online purchase of goods such as online shopping, and a physical card is used for transactions such as purchase of goods or services at a physical store. In addition, the card company also provides a service (directly paying card information) using a non-contact terminal device installed in a store or the like via application software installed on a mobile terminal such as a smartphone by the user. It may be a payment using a payment or a payment using a token.) May be provided directly or indirectly.

The card company terminal 100, the user terminal 200, the administrator terminal 300, and the funding source 400 are connected via the network NW. The network NW is composed of the Internet, an intranet, a wireless LAN (Local Area Network), a WAN (Wide Area Network), and the like.

The card company terminal 100 may be, for example, a general-purpose computer such as a workstation or a personal computer, or may be logically realized by cloud computing. In the present embodiment, one card company terminal is illustrated for convenience of explanation, but the present invention is not limited to this, and a plurality of cards may be used.

The user terminal 200 and the administrator terminal 300 are, for example, information processing devices such as personal computers and tablet terminals, but may be configured by smartphones, mobile phones, PDAs, and the like.

The funding source 400 may be in any form as long as it is a value pool, for example, it may be any of a credit card, a debit card, a bank account, a blockchain account, and a carrier settlement, and other sales proceeds ( It may be a value pool that handles values accumulated by card payment), values equivalent to financial assets (credit, etc.), and values that are worth it when users fund.

In the present embodiment, the system 1 is described as having a card company terminal 100, a user terminal 200, an administrator terminal 300, and a funding source 400, but as described above, the user uses a secondary issuer (partner). It can also be a terminal, and in the case where the partner's card user becomes another corporation or individual, the partner is replaced with the card company (card company terminal 100) in this system, and the card issued by the partner is used. Can be replaced with a user (user terminal 200) in this system. If the partner is replaced by a card company, it is possible to use the API (Application Programming Interface) of the original card company.

FIG. 2 is a functional block configuration diagram of the card company terminal 100 of FIG. The card company terminal 100 includes a communication unit 110, a storage unit 120, and a control unit 130.

The communication unit 110 is a communication interface for communicating with the user terminal 200 or the administrator terminal 300 via the network NW, and the communication is performed according to a communication protocol such as TCP / IP (Transmission Control Protocol / Internet Protocol). Will be.

The storage unit 120 stores programs for executing various control processes and each function in the control unit 130, input data, and the like, and is composed of a RAM (Random Access Memory), a ROM (Read Only Memory), and the like. To. In addition, the storage unit 120 is a member of the user data storage unit 121, which stores various data necessary for authorization (approval) of transactions and charging of electronic money when a card user purchases a product or service at a member store. It has a message data storage unit 122, an administrator data storage unit 123 (not shown in FIG. 2, which will be described later in FIG. 7) and the like, which store data related to the authority message received from the store. Further, the storage unit 120 can temporarily store the data that has communicated with the user terminal 200 or the administrator terminal 300. A database (not shown) storing various data may be constructed outside the storage unit 120.

The control unit 130 controls the entire operation of the card company terminal 100 by executing a program stored in the storage unit 120, and is used from a CPU (Central Processing Unit), a GPU (Graphics Processing Unit), or the like. It is composed. The functions of the control unit 130 are a request reception unit 131 that receives an instruction from the user terminal 200, a card issuance approval processing unit 132 that performs processing for approval of a card issuance request, and a card activation. It has an activation processing unit 133 that performs processing. The request reception unit 131, the card issuance approval processing unit 132, and the activation processing unit 133 are activated by a program stored in the storage unit 120 and executed by the card company terminal 100 which is a computer (electronic computer). The control unit 130 may have an approval processing unit that performs processing for approval of the authorization request and a charge processing unit that performs processing related to charging of electronic money, if necessary. ..

The request reception unit 131, for example, in a user interface displayed via an application installed on the user terminal 200, allows the user to register user information or issue a virtual or physical card, for example. When a predetermined request such as is made, the request is received from the user terminal 200 via the communication unit 110. Also, for example, when a user purchases a product or service using a card at a member store, reads a physical card with a reader of a store terminal, and sends an authority message to make an authority request. The request is received from the store terminal via the communication unit 110.

When the card issuance approval processing unit 132 receives the card issuance request from the user terminal 200, the card issuance approval processing unit 132 performs a predetermined process for approving the request.

When the activation processing unit 133 receives the card activation request from the user terminal 200, the activation processing unit 133 performs a predetermined process for performing the activation described later.

FIG. 3 is a functional block configuration diagram showing the user terminal 200 of FIG. The user terminal 200 includes a communication unit 210, a display operation unit 220, a storage unit 230, and a control unit 240.

The communication unit 210 is a communication interface for communicating with the card company terminal 100 via the network NW, and communication is performed according to a communication convention such as TCP / IP.

The display operation unit 220 is a user interface used for the user to input an instruction and display text, an image, etc. according to the input data from the control unit 240, and the user terminal 200 is composed of a personal computer. If it is, it is composed of a display, a keyboard and a mouse, and if the user terminal 200 is composed of a tablet terminal, it is composed of a touch panel and the like. The display operation unit 220 is activated by a control program such as an application program stored in the storage unit 230 and executed by a user terminal 200 which is a computer (electronic computer).

The storage unit 230 stores various control processes, programs for executing each function in the control unit 240, input data, and the like, and is composed of a RAM, a ROM, and the like. In addition, the storage unit 230 temporarily stores the communication content with the card company terminal 100.

The control unit 240 controls the overall operation of the user terminal 200 by executing the program stored in the storage unit 230, and is composed of a CPU, a GPU, and the like.

The card company terminal 100 may be configured to include all or part of the functions of a control program such as an application program stored in the user terminal 200.

FIG. 4 is a functional block configuration diagram showing the administrator terminal 300 of FIG. The administrator terminal 300 includes a communication unit 310, a display operation unit 320, a storage unit 330, and a control unit 340.

The communication unit 310 is a communication interface for communicating with the card company terminal 100 via the network NW, and communication is performed according to a communication convention such as TCP / IP.

The display operation unit 320 is a user interface used for the administrator to input an instruction and display text, an image, etc. according to the input data from the control unit 340, and the administrator terminal 300 is composed of a personal computer. If it is, it is composed of a display, a keyboard and a mouse, and if the administrator terminal 300 is composed of a tablet terminal, it is composed of a touch panel and the like. The display operation unit 320 is activated by a control program such as an application program stored in the storage unit 330 and executed by the administrator terminal 300 which is a computer (electronic computer).

The storage unit 330 stores various control processes, programs for executing each function in the control unit 340, input data, and the like, and is composed of a RAM, a ROM, and the like. In addition, the storage unit 330 temporarily stores the communication content with the card company terminal 100.

The control unit 340 controls the entire operation of the administrator terminal 300 by executing the program stored in the storage unit 330, and is composed of a CPU, a GPU, and the like.

The card company terminal 100 may be configured to include all or part of the functions of a control program such as an application program stored in the administrator terminal 300.

FIG. 5 is a schematic diagram showing an example of user data stored in the card company terminal 100.

The user data 1000 shown in FIG. 5 stores various data related to the user who uses the card. In FIG. 5, for convenience of explanation, an example of one user (user specified by the user ID “10001”) is shown, but information of a plurality of users can be stored. Various data related to the user include, for example, user registration information (in the case of an individual, name, date of birth, gender, address, contact information (phone number, e-mail address, etc.), and card information (card information, etc.). For example, a card number (PAN), a cardholder name, an expiration date (EXP), a personal identification number (PIN), a security code (CAV / CVC2 / CVV2 / CID), track data, etc.) are included, and related to credit. Information to be used (for example, electronic money balance, usage limit, etc.), user's funding source information (credit card information, debit card information, bank account information, virtual currency account information, carrier payment information, etc.) are also included. Is done.

FIG. 6 is a schematic diagram showing an example of telegram data stored in the card company terminal 100.

The telegram data 2000 shown in FIG. 6 stores various data stored in the authority telegram. Various data related to the authority telegram include, for example, information such as card information used at the member store, member store ID, date and time of use, and amount of money used.

FIG. 7 is a schematic diagram showing an example of the administrator data 3000 stored in the card company terminal 100 when the user is an employee belonging to a corporation. In this case, it is more preferable that the user data 1000 regarding the employee is not stored in the card company terminal 100. As a result, the burden on the card company to handle a large amount of personal information can be reduced.

The administrator data 3000 shown in FIG. 7 stores various data related to the administrator. In FIG. 7, for convenience of explanation, an example of one administrator (administrator specified by the administrator ID “30001”) is shown, but information of a plurality of administrators can be stored. Various data related to the administrator include, for example, administrator registration information (in the case of a corporation, the corporation name, contact information, representative name, representative address, etc.), and card information (for example, a card number (PAN)). , Card member corporation name, expiration date (EXP), personal identification number (PIN), security code (CAV / CVC2 / CVV2 / CID), track data, etc.). In addition, credit-related information (for example, electronic money balance, usage limit, etc.), administrator funding source information (credit card information, debit card information, bank account information, virtual currency account information, and carrier payment information). Etc.) are also included.

<Processing flow>
With reference to FIG. 8, a flow of processing of a physical card activation method executed by the system 1 of the present embodiment will be described, especially for individuals. FIG. 8 is an example of a flowchart relating to a method of activating a physical card according to an embodiment of the present invention.

First, in order to issue a physical card, the user accesses a website or application software from the user terminal 200, registers user data in the provided user interface (S101), and requests the issuance of the physical card. Do (S102).

As the user data to be registered at the time of processing in S102, at least the information necessary for approval (S103) for issuing a physical card, which will be described later, may be registered. As a more specific example, when issuing a prepaid card as a physical card, it is sufficient that at least the above-mentioned user registration information (for example, name, address, etc.) is registered. Here, if the virtual card has already been issued via the website or application software, the information registration (S101) may be omitted and the user data registered at the time of issuing the virtual card may be referred to. In addition, when issuing a credit card, debit card, or the like as a physical card, it is necessary to register information (for example, occupation, income, etc.) about the user used in the conventional card issuance examination. For other user data, each information may be registered by the required timing, for example, the funding source information may be registered by the time the physical card is used. Further, as will be described later, the card information of the physical card may be registered at the time of the activation process.

Next, the card company approves the issuance of the physical card based on the user data received from the user terminal 200 (S103).

Next, if approved, the card company sends the physical card to the user. At this time, for example, the identification code associated with the physical card, which can be read by the user terminal 200, is sent together with the physical card. In the present embodiment, at this point, the identification code and the user data are not linked to each other on the server 100, so that it is easy for the card company to issue a physical card. It may be tied. Further, the identification code may be read by image recognition such as a one-dimensional code such as a bar code or a two-dimensional code such as a QR code. Further, for example, the information stored in the IC chip of the physical card may be used as an identification code and read directly by the user terminal 200 or indirectly via a reader or the like.

Next, the user starts the application software and reads the identification code associated with the physical card by the user terminal 200 (S104). Then, an activation request including the read identification code and the user identification information (for example, the administrator ID, particularly the user ID associated with the application software or the like) is transmitted to the card company terminal 100 (S105). It should be noted that this transmission may be executed only by the user executing the transmission instruction (for example, pressing the transmission button), but at least when the procedure for activation is simplified. May prompt the input of personal information and other information that are insufficient for use, and send the information together, if necessary.

Finally, based on the identification code and the user identification information received by the card company terminal 100, the user data is associated with the physical card, and the process of activating the physical card is executed (S108).

As a result, the user only has to read the identification code sent from the payment medium provider such as the card company by the application software or the like when the payment medium such as the physical card is activated, which is simpler than before. The activation process will be executed.

<Processing flow>
With reference to FIG. 9, a flow of processing of a physical card activation method executed by the system 1 of the present embodiment will be described, especially for corporations. FIG. 9 is an example of a flowchart relating to a method of activating a physical card according to another embodiment of the present invention.

First, in order to issue a physical card to an employee, the administrator accesses a website or application software from the administrator terminal 300, registers the administrator data in the provided user interface (S101), and receives the physical card. Make an issuance request (S102).

The administrator data to be registered in the process of S102 may be at least information necessary for approval (S103) for issuing a physical card, which will be described later. As a more specific example, when issuing a prepaid card as a physical card, at least the above-mentioned administrator registration information (for example, corporate name, contact information, representative name, representative address, number of cards, etc.) is required. It only needs to be registered. Here, if the virtual card has already been issued via the application software, the administrator data registered at the time of issuing the virtual card may be referred to. In addition, when issuing a credit card, a debit card, or the like as a physical card, it is necessary to register information (for example, capital, etc.) about the administrator used in the conventional card issuance examination. For other user data, each information may be registered by the required timing. For example, the funding source information may be registered by the time the employee uses the physical card.

Next, the card company approves the issuance of the physical card based on the administrator data received from the administrator terminal 300 (S104).

Next, if approved, the card company sends the physical card to the administrator, and the administrator distributes it to the users who are employees. At this time, the identification code associated with the physical card, which can be read by the user terminal 200, is sent together with the physical card. In the present embodiment, at this point, the identification code and the user data are not linked to each other on the server 100, so that it is easy for the card company to issue a physical card. It may be tied. Further, the identification code may be read by image recognition such as a one-dimensional code such as a bar code or a two-dimensional code such as a QR code. Further, for example, the information stored in the IC chip of the physical card may be used as an identification code and read directly by the user terminal 200 or indirectly via a reader or the like.

Next, the user starts the application software and reads the identification code associated with the physical card by the user terminal 200 (S104). Then, an activation request including the read identification code and the administrator identification information (for example, the administrator ID, particularly the administrator ID associated with the application software or the like) is transmitted to the card company terminal 100 (S105). It should be noted that this transmission may be executed only by the user executing the transmission instruction (for example, pressing the transmission button), but at least when the procedure for activation is simplified. May prompt the input of information other than personal information and send the information together, if necessary. In addition, if the card company can accept the handling of personal information, the personal information of the user (for example, name, employee number, etc.) may be included.

Finally, based on the identification code and the administrator identification information received by the card company terminal 100, the administrator data is associated with the physical card, and the process of activating the physical card is executed (S108).

In addition, in FIGS. 8 and 9, the process of activating the physical card has been described, but after that, the virtual card issuance procedure is further performed via the website or application software, and the physical card is linked. It may be.

As a result, the user only has to read the identification code sent from the payment medium provider such as the card company by the application software or the like when the payment medium such as the physical card is activated, which is simpler than before. The activation process will be executed. In addition, since the payment medium provider does not handle the personal information of a large number of users who are employees, the burden of personal information management on the payment medium provider can be reduced.

The application of the above embodiment is not limited to the activation method for physical cards, but is applied to values having a certain monetary value, including electronic money, legal currency values, various points, etc., and QR codes, etc. It can also be applied to a payment medium provided by a medium provider, such as a sheet medium printed with a QR code, an electronic medium such as a Web page displaying a QR code, or a virtual medium such as a Web service or an application.

Although the embodiments related to the disclosure have been described above, these can be implemented in various other embodiments, and can be implemented by making various omissions, substitutions, and changes. These embodiments and modifications, as well as those omitted, replaced and modified, are included in the technical scope of the claims and the equivalent scope thereof.

1 system
100 Card company terminal 110 Communication unit 120 Storage unit 130 Control unit 200 User terminal 300 Administrator terminal 400 Funding source NW network

Claims (7)

It is an activation method for activating the payment medium by a payment medium provider that provides a payment medium for payment by a value having monetary value.
The user or administrator registers the registration information and
Based on the registration information, the payment medium provider provides the payment medium and the identification code to the user or the administrator.
The user sends an activation request containing at least the identification code and the user identification information or the administrator identification information to the payment medium provider.
The payment medium is activated based on the activation request.
An activation method characterized by that. The payment medium provider approves the provision of the payment medium based on the registration information.
The activation method according to claim 1, characterized in that. The value is electronic money, and the payment medium is a prepaid card.
The activation method according to claim 1 or 2, characterized in that. The payment medium is a medium for corporations, and the user is a business unit or employee of the corporation.
The activation method according to claim 1 to 3, characterized in that. The identification code is any one of a one-dimensional code such as a bar code, a two-dimensional code such as a QR code, and information stored in the IC chip of the payment medium.
The activation method according to claim 1 to 4, characterized in that. The user identification information or the administrator identification information is identification information associated with the application software for the user to send the activation request.
The activation method according to claim 1 to 5, characterized in that. An activation system that activates the payment medium by a payment medium provider that provides a payment medium for payment with a value having monetary value.
The user or administrator registers the registration information and
Based on the registration information, the payment medium provider provides the payment medium and the identification code to the user or the administrator.
The user sends an activation request containing at least the identification code and the user identification information or the administrator identification information to the payment medium provider.
The payment medium is activated based on the activation request.
An activation system characterized by that.