JP4052370B2 - Credit card issuing system and method, and program - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention relates to a technique for issuing a credit card that can be used after examination of a certain credit quality, such as a cash card or a loan card.
[0002]
[Prior art]
At present, transactions of deposits and withdrawals from bank deposit accounts are increasingly performed from ATMs (Automated-Teller Machines) using cash cards. Therefore, when opening a deposit account, it is common to apply for the issuance of a cash card.
[0003]
In order to apply for a deposit account, a mail order system has been established that can be applied without the applicant having to go to the store. On the other hand, since very important information is written on the cash card that enables deposits and withdrawals from the deposit account, in order to ensure that information security, applicants have traditionally received cash card information at the counter of each bank store. It was supposed to be issued or mailed to the applicant by registered mail.
[0004]
[Problems to be solved by the invention]
However, postal mail by registered mail has higher postage and costs than mail by ordinary mail. In particular, when opening a deposit account by e-mail order, the deposit balance at the time of opening is 0, so the bank side does not necessarily know whether the cost required for issuing the cash card can be recovered. Furthermore, even if it is mailed by registered mail, it is not sufficient in terms of safety because the issued cash card must be passed by a third party before it reaches the deposit account holder. . In particular, single persons and co-working households are often absent during the time of mail delivery, and there is a problem that it is inconvenient to receive a cash card.
[0005]
On the other hand, when issuing a cash card at a store window, there is no mailing cost, but it can be used by anyone other than those who live near the bank store or work nearby. Can not. For this reason, the bank misses the opportunity to acquire customers. In particular, recently, banks that are different from existing bank forms, that is, banks that do not have stores, have appeared, so it is not realistic to establish stores only for cash card delivery.
[0006]
In addition, major consumer finance (non-bank) can receive loans by operating ATMs without going to the counter up to a certain limit so that they can be used in the same way as bank cash cards. A loan card is issued.
[0007]
However, since the loan card requires the same or higher information security as the cash card, it has to be issued at the store counter like a bank cash card or mailed by registered mail. . Recently, loan cards are issued and issued by unmanned contract machines. However, it takes considerable cost to install and operate unmanned contract machines. In any case, issuance of loan cards was very costly.
[0008]
An object of the present invention is to provide a credit card issuing system, method, and the like that can issue a credit card such as a cash card or a loan card safely at low cost.
[0009]
[Means for Solving the Problems]
  In order to achieve the above object, a credit card issuing system according to the first aspect of the present invention includes:
  Card medium distributed with unique information written in storageInCredit cardAn information processing apparatus for providing a function and an information processing terminal connected to the information processing apparatus via a networkA credit card issuing system,
  The card mediumIs provided with an entry field in which unique information substantially the same as the unique information stored in the card medium is preliminarily described and a recipient of the card medium enters personal information and a code number of the card medium. Distributed with the completed form,
The information processing apparatus includes:
  SaidOf the filling formSpecific information,Filled in the formPersonal information about the recipient of the card mediaAnd the personal identification number selected by the recipientPersonal information input means for inputting
  Unique information input from the personal information input means,personal information, And PINInformation storage means for associating and storing
  With
  The information processing terminal
An input means for inputting information in response to a user operation;
Reading means for reading out the unique information stored in the storage unit of the card medium;
Collation information transmitting means for transmitting the unique information read by the reading means and the personal identification number input by the input means to the information processing device;
With
The information processing apparatus includes:
  Verification information receiving means for receiving the unique information and the password from the verification information transmitting means;
When the verification information receiving means receives the unique information and the personal identification number, the unique information is stored in the information storage means, and the personal identification number stored in association with the unique information matches the received personal identification number. Collation means for determining whether or not to do,
When it is determined that the unique information is stored in the information storage means and the personal identification numbers are matched by the collating means, personal information stored in the information storage means in association with the unique information is stored in the information storage means. A credit card information generating means for generating credit card information for validating the card medium as a credit card,
Credit card information transmitting means for transmitting the credit card information generated by the credit card information generating means to the information processing terminal;
  Further equipped
The information processing terminal
  Credit card information receiving means for receiving credit card information from the credit card information transmitting means;
Write control means for controlling the reading means to write the credit card information received by the credit card information receiving means to the storage unit of the card medium,
  ThefurtherIt is characterized by providing.
[0010]
  In the credit card issuing system, the card medium in which the unique information is written in the storage unit is distributed in association with the unique information so that the unique information can be recognized from the outside. If you obtain and present initial information and personal information, the card medium can be used as a credit card.Credit card information for functioning is generated and transmitted to an information processing terminal capable of writing the credit card information on the card medium. In other words, it is not necessary to mail the credit card by registered mail or to install a base such as a store window or an unmanned contract machine, so that the cost required for issuing the credit card can be kept low.
[0011]
  Also, the applicant wishes to hold the card medium after receiving the distribution of the card medium in which the unique information is written until the card medium has a function as a credit card by writing the credit card information. Can be left alone. For this reason, the card medium in which the credit card information is written in the storage unit is not exchanged via a third party, and information security can be maintained.
[0012]
  Also, in order to be able to use the distributed card medium as a credit card, a personal identification number selected by the recipient of the card medium is required, so that a third party can use it as a credit card illegally. It can not be.
[0013]
  As the information processing apparatus, for example, a computer apparatus such as a workstation operated by a card medium distributor (and its employees) can be applied. As the information processing terminal, it is possible to apply ATM or the like that performs a cash deposit / withdrawal transaction using a credit card. Since these are terminals originally used for other purposes, it is not necessary to install a new terminal.
[0014]
  To achieve the above object, a credit card issuing system according to the second aspect of the present inventionBehaviorThe method is
  Credit card issuance provided with an information processing device for providing a credit card function to a card medium distributed in a state where unique information is written in a storage unit, and an information processing terminal connected to the information processing device via a network An operating method of the system, wherein the card medium is preliminarily described with unique information substantially the same as the unique information stored in the card medium, and a recipient of the card medium is allowed to receive personal information and the card medium. The information processing apparatus is distributed together with an entry form having an entry field for entering a personal identification number, and the information processing apparatus includes a personal information input means, an information storage means, a receiving means, a matching means, a credit card information generating means, Credit card information transmitting means, and the information processing terminal comprises input means, reading means, transmitting means, credit card information receiving means, and writing control means. , Has a,
  In the information processing apparatus,
  The personal information input means for inputting the specific information of the entry form, the personal information about the recipient of the card medium filled in the entry form, and the personal identification number selected by the recipient Steps,
  An information storage step in which the information storage means stores the unique information, the personal information, and the personal identification number input from the personal information input means in association with each other;
  With
  In the information processing terminal,
  An input step in which the input means inputs information in response to a user operation;
  A reading step in which the reading means reads the unique information stored in the storage unit of the card medium;
  A collation information transmission step of transmitting the unique information read by the reading means by the collation information transmitting means and the personal identification number input by the input means to the information processing apparatus;
  With
  In the information processing apparatus,
  A verification information receiving step in which the verification information receiving means receives the unique information and the personal identification number from the verification information transmitting means;
  When the collation information receiving means receives the unique information and the personal identification number, the collation means stores the unique information in the information storage means and receives the personal identification number stored in association with the unique information. A collation step for determining whether or not it matches the password
  When it is determined that the unique information is stored in the information storage means by the collating means and the personal identification numbers match, the credit card information generating means associates the unique information with the information storage means. A credit card information generating step for generating credit card information for validating the card medium as a credit card based on the stored personal information;
  A credit card information transmitting step in which the credit card information transmitting means transmits the credit card information generated by the credit card information generating means to the information processing terminal;
  Further comprising
  In the information processing terminal,
  A credit card information receiving step in which the credit card information receiving means receives credit card information from the credit card information transmitting means;
  A write control step in which the write control means controls the reading means to write the credit card information received by the credit card information receiving means to the storage unit of the card medium;
  Further comprising
  It is characterized by that.
[0015]
  In order to achieve the above object, a program according to the third aspect of the present invention is:
  For information processing equipmentA computer is provided with a credit card function in a card medium distributed with unique information written in a storage unit.An information processing apparatus program that causes an information processing apparatus to function as an information processing terminal, and an information processing terminal computer that is connected to the information processing apparatus computer via a network. PrepareA program that functions like
  The card medium is preliminarily described with unique information substantially the same as the unique information stored in the card medium, and the recipient of the card medium fills in personal information and a code number of the card medium. Distributed with an entry form with fields,
  SaidFor information processing equipmentThe programFor the information processing apparatusComputer
  Personal information input means for inputting the specific information of the entry form, personal information about the recipient of the card medium entered in the entry form, and the personal identification number selected by the recipient;
  Information storage means for storing the unique information, personal information, and personal identification number input from the personal information input means in association with each other;
Function as
The information processing terminal program stores the information processing terminal computer,
  An input means for inputting information in response to a user operation;
  Reading means for reading the unique information stored in the storage unit of the card medium,
  Collation information transmitting means for transmitting the unique information read by the reading means and the personal identification number input by the input means to the information processing apparatus;
Function as
The information processing apparatus program stores the information processing apparatus computer.
  Verification information receiving means for receiving the unique information and the personal identification number from the verification information transmitting means;
  When the collation information receiving means receives the unique information and the personal identification number, the personal information is stored in the information storage means, and the personal identification number stored in association with the unique information is the received personal identification number. Collation means for determining whether or not it matches,
  When it is determined that the unique information is stored in the information storage means and the personal identification numbers are matched by the collating means, personal information stored in the information storage means in association with the unique information is stored in the information storage means. A credit card information generating means for generating credit card information for validating the card medium as a credit card,
  Credit card information transmitting means for transmitting the credit card information generated by the credit card information generating means to the information processing terminal;
Further function as
The information processing terminal program stores the information processing terminal computer,
  Credit card information receiving means for receiving credit card information from the credit card information transmitting means;
  Write control means for controlling the reading means to write the credit card information received by the credit card information receiving means to the storage unit of the card medium,
  AsfurtherMake it work, Characterized by.
[0027]
DETAILED DESCRIPTION OF THE INVENTION
Embodiments of the present invention will be described below with reference to the accompanying drawings. In this embodiment, a case where a bank card cash card is issued will be described as an example.
[0028]
FIG. 1 is a diagram showing an overall configuration of a cash card issuing system according to this embodiment. As shown in the figure, this cash card issuing system is for enabling use as a cash card for a deposit account in which a magnetic card 1 is opened, and includes a center computer 2, an operator terminal 3, and an ATM 4. . The operator terminal 3 and the ATM 4 are connected to the center computer 2 via a closed network 5 such as a Zenginkyo network.
[0029]
The magnetic card 1 is distributed together with the order form 10 and includes a magnetic stripe 11 for storing information. In the magnetic stripe 11, identification information 11a unique to each magnetic card 1 is written in advance as initial information. In the order form 10, identification information 10a substantially the same as the identification information written in the magnetic stripe 11 of the magnetic card 1 distributed together is previously described, and the personal information (name, Address), a four-digit personal identification number selected by the applicant, and an entry field 10b for entering other necessary items.
[0030]
The applicant for the cash card writes necessary information in the entry field 10b of the order form 10 distributed together with the magnetic card 1 and sends it to the bank which is the issuer of the cash card by mail or the like, and keeps the magnetic card 1 as it is. After the registration of the necessary information entered in the entry field 10b is completed at the bank and a deposit account is opened, and the bank is notified to that effect, the information on the magnetic stripe 11 of the stored magnetic card 1 is valid as a regular cash card. As described later, the cash card information is used by rewriting.
[0031]
The center computer 2 is a mainframe that manages the entire business of a bank that is an issuer of a cash card, and includes a CPU (Central Processing Unit) 21, a memory 22, a communication device 23, an account information database 24, and a credit information database. 25.
[0032]
The CPU 21 executes a program stored in the memory 22, and in addition to normal banking operations such as deposit / withdrawal and transfer, registration of necessary items entered in the entry column 10b, rewriting of information on the magnetic stripe 11a, etc. Perform the process. The memory 22 stores a processing program for the CPU 21 and is used as a work area when the program is executed. The programs stored in the memory 22 include those shown in the flowcharts of FIGS. 5 and 6 (described later). The communication device 23 transmits / receives information to / from the operator terminal 3 and the ATM 4 via the network 5.
[0033]
The account information database 24 is a database that stores information of one record for each deposit account. Each record includes identification information 10a of the order form 10 sent from the operator terminal 3 as described later, predetermined items (including a personal identification number) entered in the entry field 10b, account number, deposit It includes information on items such as balance and deposit / withdrawal history. The credit information database 25 is a database that stores predetermined credit check information, and is used to check the credit status of the applicant when a deposit account is opened.
[0034]
The operator terminal 3 is a workstation or personal computer used by an employee (operator) of a predetermined department of a bank who is an issuer of a cash card, and includes a CPU 31, a memory 32, a display device 33, a printing device 34, An input device 35 and a communication device 36 are provided.
[0035]
The CPU 31 executes a program stored in the memory 32, inputs necessary information entered in the identification information 10 a and the entry column 10 b of the order form 10, and performs processing for registering in the account information database 24 of the center computer 2. . The memory 32 stores a processing program for the CPU 31 and is used as a work area when the program is executed. The programs stored in the memory 32 include those shown in the flowchart of FIG.
[0036]
The display device 33 displays information necessary for inputting the identification information 10a and necessary items. The printing device 34 prints a postcard for notifying the applicant that the deposit account has been opened by completing the registration in the account information database 24. The input device 35 inputs necessary information entered in the identification information 10a and the entry column 10b of the order form 10 by the operation of the operator. The communication device 36 transmits / receives information to / from the center computer 2 via the network 5.
[0037]
The ATM 4 is installed in a bank store, department store, convenience store, etc., and performs a cash deposit / withdrawal operation while performing communication processing with the center computer 2, and includes a CPU 41, a memory 42, a display device 43, and an input device. 44, a reading device 45, and a communication device 46.
[0038]
The CPU 41 executes a program stored in the memory 42 and rewrites information written in the magnetic stripe 11 of the magnetic card 1 in addition to business processes such as cash deposit / withdrawal from a deposit account. The memory 42 stores a processing program for the CPU 41 and is used as a work area when the program is executed. The programs stored in the memory 42 include those shown in the flowchart of FIG. 6 (described later).
[0039]
The display device 43 displays a process selection screen, a process operation instruction for the operator, and the like. The input device 44 includes a numeric keypad, and is used to select and input the type of processing, and to input a personal identification number and an amount to be deposited / withdrawn by an operation of a person having a deposit account. The input device 44 may be a touch panel (transparent digitizer) provided on the display device 43.
[0040]
The reading device 45 includes a card slot for inserting the magnetic card 1 used as a cash card, reads information written in the magnetic stripe 11 of the magnetic card 1 inserted in the card slot, and reads information in the magnetic stripe 11. Write. The communication device 46 transmits / receives information to / from the center computer 2 via the network 5.
[0041]
The ATM 4 does not necessarily belong to the bank that opened the deposit account (the bank that has the center computer 2), and may belong to another bank that is affiliated with the bank that opened the deposit account. Good.
[0042]
Hereinafter, a procedure until the magnetic card 1 can be used as a cash card using the cash card issuing system according to this embodiment will be described. This procedure
(1) Sending order form
(2) Opening a deposit account
(3) Cash card
It is roughly divided into three stages. Each process will be described in detail for each case.
[0043]
(1) Sending order form
A person who newly opens a deposit account at the bank and applies for the issuance of a cash card obtains the magnetic card 1 and the order form 10 distributed together. Then, an arbitrary four-digit personal identification number, name, address and other necessary items selected by the user are entered in the entry field 10b and mailed to the bank to which the magnetic card 1 and the order form 10 are distributed. The applicant holds the magnetic card 1 as it is until a registration completion postcard (or registration completion mail) described later is sent from the bank.
[0044]
(2) Opening a deposit account
FIG. 5 is a flowchart showing a process for registering information described in the entry field 10b of the order form 10 and opening a deposit account. This process is performed by a cooperative process between the center computer 2 and the operator terminal 3. The order form 10 in which necessary information is delivered to the bank is circulated to the operator who operates the operator terminal 3.
[0045]
First, the operator operates the input device 35 of the operator terminal 3 so that the identification information 10a described in advance in the circulated order form 10 and each item of necessary items entered in the entry column 10b by the applicant are displayed. Input (step S101). The CPU 31 transmits the input identification information 10a and necessary items in the entry column 10b to the center computer 2 from the communication device 36 via the network 5 (step S102).
[0046]
In the center computer 2, when the communication device 23 receives the necessary information in the identification information 10a and the entry column 10b, the CPU 21 temporarily stores it in the work area of the memory 22 (step S151). Next, the CPU 21 refers to the credit information database 25 based on the name and address of the applicant included as necessary items, and investigates the credit status of the applicant (step S152). Based on the survey result, it is determined whether the applicant's credit status is in a state where a deposit account may be opened (step S153).
[0047]
If the credit status of the applicant is in a state where a deposit account may be opened, the CPU 21 creates a new record in the account information database 24, and the identification information 10a received in step S151 and the necessary information Open a deposit account and register the new information required to issue a cash card (including at least a personal identification number) in a new record. Here, 0 is entered in the deposit balance (step S154).
[0048]
When this registration is completed normally, the CPU 21 transmits a registration completion notification from the communication device 23 to the operator terminal 3 via the network 5 (step S155). Then, the processing on the center computer 2 side ends. If it is determined in step S153 that the applicant's credit status is not sufficient to open a deposit account, the processing on the center computer 2 side is terminated as it is.
[0049]
In the operator terminal 3 again, when the communication device 36 receives the registration completion notification, the CPU 31 temporarily stores it in the work area of the memory 32 (step S103). Next, the CPU 31 causes the printing apparatus 34 to print a registration completion postcard indicating that the applicant's deposit account has been opened with the address and name of the applicant included as necessary items as the destination (step S104). And the process in the operator terminal 3 side is also complete | finished, and the process for opening a deposit account is complete | finished.
[0050]
The registered postcard printed here is mailed to the applicant for opening a deposit account. If the applicant's email address is included as a necessary item entered in the entry field 10b, an email indicating that the applicant's deposit account has been opened instead of printing the registration completion postcard in step S104. (Hereinafter referred to as registration completion mail) may be transmitted from the operator terminal 3 to the applicant's e-mail address.
[0051]
(3) Cash card
FIG. 6 is a flowchart showing a process for making the magnetic card 1 usable as a cash card. This process is performed by a cooperative process between the center computer 2 and the ATM 4. The applicant performs this process after receiving the registration completion postcard printed in step S104 and mailed from the bank (or after receiving the registration completion mail).
[0052]
The applicant operates the input device 44 of the ATM 4 to select the “cash card” processing, and inserts the magnetic card 1 held as it is after the order form 10 is sent into the card slot of the ATM 4 (step S201). . When detecting that the magnetic card 1 has been inserted into the card slot, the CPU 41 causes the reading device 45 to read the identification information 11a previously written in the magnetic stripe 11 (step S202).
[0053]
Next, the CPU 41 causes the display device 43 to display a screen for instructing the input of the personal identification number, and the applicant operates the input device 44 according to this screen and selects the personal identification number described in the order form 10 by himself / herself. (Step S203). Then, the CPU 41 transmits the password entered here together with the identification information 11a read in step S202 from the communication device 46 to the center computer 2 via the network 5 (step S204).
[0054]
In the center computer 2, when the communication device 23 receives the identification information 11a and the personal identification number, the CPU 21 temporarily stores them in the work area of the memory 22 (step S251). Next, the CPU 21 searches the account information database 24 based on the identification information 11a and the personal identification number (step S252), and there is a record having identification information 10a substantially identical to the identification information 11a. As a result, it is determined whether or not the code number in the record matches the received code number (step S253).
[0055]
If there is a record having the identification information 10a substantially the same as the identification information 11a, and the code number in the record matches, the CPU 21 uses the magnetic card based on the other information registered in the record. Cash card information necessary to use 1 as a regular cash card is generated (step S254). The CPU 21 causes the generated cash card information to be transmitted from the communication device 23 to the ATM 4 via the network 5 together with control information for instructing writing to the magnetic stripe 11 (step S255). Then, the processing on the center computer 2 side ends.
[0056]
If there is no record having the identification information 10a substantially the same as the identification information 11a in step S253, or if such a record does not exist, the center number is not changed. The process on the computer 2 side is terminated.
[0057]
In ATM4 again, when the communication device 46 receives control information instructing writing together with cash card information, the CPU 41 temporarily stores it in the work area of the memory 42 (step S206). Then, the CPU 41 controls the reading device 45 based on the received control information, and overwrites the magnetic stripe 11 with the cash card information temporarily stored in the memory 42 (step S206). Thus, the magnetic card 1 can be used as a regular cash card. Then, the processing on the ATM4 side is also finished, and all the cash card processing is finished.
[0058]
If the communication device 46 does not receive the cash card information even if the identification information 11a and the personal identification number are transmitted to the center computer 2, there is usually a record having the identification information 10a substantially the same as the identification information 11a. This is the case where there is no password or the passwords do not match. Therefore, if no cash card information is received in step S205 even after a lapse of a certain period from the transmission in step S204, the CPU 41 forcibly terminates the processing as an error and displays a message to that effect on the display device 43. Let
[0059]
As described above, when issuing a cash card by applying the cash card issuing system according to this embodiment, the bank where the deposit account is opened distributes the magnetic card 1 together with the order form 10, The distributed magnetic card 1 can be used as a cash card without an unmanned contract machine or without sending the cash card by registered mail. As the operator terminal 3 and the ATM 4, those originally used for other purposes can be used as they are. For this reason, the bank can save the cost of setting up the base and the mailing cost of the cash card, and the cost required for issuing the cash card can be kept low.
[0060]
Further, the information that is first written in the magnetic stripe 11 at the time of distribution of the magnetic card 1 is only the identification information 11a, and this alone cannot be used as a cash card. Also, what is mailed to the applicant from the bank where the deposit account is opened is simply a notification of the completion of the opening of the deposit account, and information that enables the transfer of money is exchanged via a third party. Never happen. For this reason, information security can be maintained.
[0061]
In addition, in order to rewrite the information on the magnetic stripe 11 to the cash card information, the personal identification number entered in the entry field 10b of the order form 10 is required, so that a third party illegally uses the magnetic card 1 as a cash card. It cannot be made possible and security can be maintained. Further, since the credit investigation is performed based on the credit information database 25 before registration in the account information database 24, a person who does not have a credit status that can originally open a deposit account opens a deposit account illegally. No cash card is available.
[0062]
The present invention is not limited to the above-described embodiment, and various modifications and applications are possible. Hereinafter, modifications of the above-described embodiment applicable to the present invention will be described.
[0063]
In the above embodiment, the magnetic card 1 can be used as a cash card by rewriting the information stored in the magnetic stripe 11 of the magnetic card 1 from the identification information 11a as the initial information to the cash card information. . An IC card may be used instead of the magnetic card 1, and the information stored in the EEPROM of the IC card may be rewritten from the initial information to the cash card information so that the IC card can be used as a cash card.
[0064]
In the above embodiment, the reading device 45 of the ATM 4 performs rewriting of information to be written in the magnetic stripe 11 of the magnetic card 1. However, such a reading device is provided not only in the ATM 4 but also in a terminal device dedicated to information rewriting of the magnetic stripe 11 or connected to a personal computer possessed by a deposit account applicant. It may be a card reader / writer.
[0065]
In the above embodiment, the credit information on whether or not a deposit account can be opened (whether or not a cash card can be issued) is stored in the account information database 24 with the necessary information in the identification information 10a and the entry field 10b described in the order form 10. I went before registering. However, all registration to the account information database 24 is performed without conducting a credit check, and a credit check is performed before generating cash card information based on information from the ATM 4, and as a result, the credit status of the applicant is determined. When there is no problem, the reading device 45 may rewrite the information on the magnetic stripe 11 to the cash card information.
[0066]
In addition, the center computer 2 does not conduct a credit check on its own, but requests a credit bureau to inquire about the credit status, and determines the credit status of the applicant for opening a deposit account according to the inquiry result returned from the credit bureau. It is good. In this case, the center computer 2 does not have to have the credit check database 25 itself.
[0067]
In the above embodiment, the identification information 10a and the items to be entered in the entry column 10b are registered in the account information database 24, and the cash card information is written in the magnetic stripe 11 of the magnetic card 1, whereby the magnetic card 1 is cached. It could be used as a card. On the other hand, the magnetic card 1 may be used as a cash card at the stage where the identification information 10a and the items described in the entry column 10b are registered in the account information database 24. Even in such a case, even if the magnetic card 1 is illegally acquired by a third party, it is possible to prevent unauthorized use by the third party by checking the password, and the minimum necessary security is maintained. be able to.
[0068]
In the above embodiment, a case has been described in which the present invention is applied when a deposit account is newly opened in a bank and a cash card is issued. On the other hand, the present invention can also be applied when issuing a cash card of a deposit account that has already been opened. In addition, the present invention is applied to the issuance of general credit cards issued after certain credit checks, such as loan cards issued by non-banks and credit cards issued by credit card companies, as well as bank account cash cards. can do.
[0069]
In the above embodiment, the program shown in the flowcharts of FIGS. 5 and 6 has been described as being stored in the memories 21, 31, and 41 in advance. On the other hand, all or a part of such a program may be stored in a computer-readable recording medium such as a CD-ROM or a DVD-ROM and distributed. Alternatively, it may be stored in a fixed disk device of a Web server and downloaded to a general-purpose computer device connected to the Internet via the Internet.
[0070]
【The invention's effect】
As described above, according to the present invention, it is possible to issue a credit card safely at low cost.
[Brief description of the drawings]
FIG. 1 is a block diagram showing an overall configuration of a cash card issuing system according to an embodiment of the present invention.
FIG. 2 is a block diagram showing a configuration of the center computer of FIG. 1;
FIG. 3 is a block diagram showing a configuration of the operator terminal in FIG. 1;
4 is a block diagram showing a configuration of the ATM of FIG. 1. FIG.
FIG. 5 is a flowchart showing a process for registering information described in an order form and opening a deposit account in the cash card issuing system according to the embodiment of the present invention.
FIG. 6 is a flowchart showing a process for making a magnetic card usable as a cash card in the cash card issuing system according to the embodiment of the present invention;
[Explanation of symbols]
1 Magnetic card
2 Center computer
3 Operator terminal
4 ATM
5 network
10 Order form
11 Magnetic stripe
21 CPU
22 memory
23 Communication equipment
24 Account information database
25 credit information database
31 CPU
32 memory
33 Display device
34 Printer
35 Input device
36 Communication equipment
41 CPU
42 memory
43 Display device
44 Input device
45 Reading device
46 Communication equipment

Claims (3)

A credit card comprising an information processing device for providing a credit card function to a card medium distributed in a state where unique information is written in a storage unit, and an information processing terminal connected to the information processing device via a network Issuing system,
The card medium is preliminarily described with unique information substantially the same as the unique information stored in the card medium, and the recipient of the card medium fills in personal information and a code number of the card medium. Distributed with an entry form with fields,
The information processing apparatus includes:
Personal information input means for inputting the specific information of the entry form, personal information about the recipient of the card medium entered in the entry form, and the personal identification number selected by the recipient;
Information storage means for associating and storing the unique information, personal information, and password entered from the personal information input means;
With
The information processing terminal
An input means for inputting information in response to a user operation;
Reading means for reading out the unique information stored in the storage unit of the card medium;
Collation information transmitting means for transmitting the unique information read by the reading means and the personal identification number input by the input means to the information processing device;
With
The information processing apparatus includes:
Verification information receiving means for receiving the unique information and the password from the verification information transmitting means;
When the verification information receiving means receives the unique information and the personal identification number, the personal identification number is stored in the information storage means, and the personal identification number stored in association with the unique information is received. Collating means for determining whether or not it matches,
When it is determined that the unique information is stored in the information storage means and the personal identification numbers are matched by the collating means, personal information stored in the information storage means in association with the unique information is stored in the information storage means. A credit card information generating means for generating credit card information for validating the card medium as a credit card,
Credit card information transmitting means for transmitting the credit card information generated by the credit card information generating means to the information processing terminal;
Further comprising
The information processing terminal
Credit card information receiving means for receiving credit card information from the credit card information transmitting means;
Write control means for controlling the reading means to write the credit card information received by the credit card information receiving means to the storage unit of the card medium,
Further comprising
A credit card issuing system characterized by that. Credit card issuance provided with an information processing device for providing a credit card function to a card medium distributed in a state where unique information is written in a storage unit, and an information processing terminal connected to the information processing device via a network An operation method of the system, wherein the card medium is preliminarily described with inherent information substantially the same as the inherent information stored in the card medium, and a recipient of the card medium is allowed to receive personal information and a password of the card medium. The information processing apparatus is distributed together with an entry form having an entry field for entering a number, and the information processing apparatus includes a personal information input means, an information storage means, a collation information receiving means, a collation means, and a credit card information generation means. Credit card information transmitting means, and the information processing terminal comprises input means, reading means, verification information transmitting means, credit card information receiving means, Includes a write control means, the,
In the information processing apparatus,
The personal information input means for inputting the specific information of the entry form, the personal information about the recipient of the card medium filled in the entry form, and the personal identification number selected by the recipient Steps,
An information storage step in which the information storage means stores the unique information, the personal information, and the personal identification number input from the personal information input means in association with each other;
With
In the information processing terminal,
An input step in which the input means inputs information in response to a user operation;
A reading step in which the reading means reads the unique information stored in the storage unit of the card medium;
The verification information transmitting means transmits the specific information read by the reading means and the personal identification number input by the input means to the information processing apparatus,
With
In the information processing apparatus,
A verification information receiving step in which the verification information receiving means receives the unique information and the personal identification number from the verification information transmitting means;
When the collation information receiving means receives the unique information and the personal identification number, the collation means stores the unique information in the information storage means, and stores the personal identification number associated with the unique information. A collation step for determining whether or not the received personal identification number matches,
When it is determined that the unique information is stored in the information storage means and the personal identification numbers match, the credit card information generating means corresponds to the unique information in the information storage means. A credit card information generating step for generating credit card information for validating the card medium as a credit card based on the personal information stored together;
A credit card information transmitting step in which the credit card information transmitting means transmits the credit card information generated by the credit card information generating means to the information processing terminal;
Further comprising
In the information processing terminal,
A credit card information receiving step in which the credit card information receiving means receives credit card information from the credit card information transmitting means;
A write control step in which the write control means controls the reading means to write the credit card information received by the credit card information receiving means to the storage unit of the card medium;
Further comprising
A method of operating a credit card issuing system. An information processing apparatus program for causing an information processing apparatus computer to function as an information processing apparatus for providing a credit card function to a card medium distributed in a state where unique information is written in a storage unit; and for the information processing apparatus A program for causing an information processing terminal computer connected to a computer via a network to function as an information processing terminal program ;
The card medium is preliminarily described with unique information substantially the same as the unique information stored in the card medium, and the recipient of the card medium fills in personal information and a code number of the card medium. Distributed with an entry form with fields,
The information processing apparatus program stores the information processing apparatus computer.
Personal information input means for inputting the specific information of the entry form, personal information about the recipient of the card medium entered in the entry form, and the personal identification number selected by the recipient;
Information storage means for storing the unique information, personal information, and personal identification number input from the personal information input means in association with each other;
Function as
The information processing terminal program stores the information processing terminal computer,
An input means for inputting information in response to a user operation;
Reading means for reading the unique information stored in the storage unit of the card medium,
Collation information transmitting means for transmitting the unique information read by the reading means and the personal identification number input by the input means to the information processing apparatus;
Function as
The information processing apparatus program stores the information processing apparatus computer.
Verification information receiving means for receiving the unique information and the personal identification number from the verification information transmitting means;
When the verification information receiving means receives the unique information and the personal identification number, the personal identification number is stored in the information storage means, and the personal identification number stored in association with the unique information is received. Collation means for determining whether or not it matches,
When it is determined that the unique information is stored in the information storage means and the personal identification numbers are matched by the collating means, personal information stored in the information storage means in association with the unique information is stored in the information storage means. A credit card information generating means for generating credit card information for validating the card medium as a credit card,
Credit card information transmitting means for transmitting the credit card information generated by the credit card information generating means to the information processing terminal;
Further function as
The information processing terminal program stores the information processing terminal computer,
Credit card information receiving means for receiving credit card information from the credit card information transmitting means;
Write control means for controlling the reading means to write the credit card information received by the credit card information receiving means to the storage unit of the card medium,
To further function as ,
A program characterized by that.

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