JP6882949B2 - Securities card management method - Google Patents

Description

The present invention relates to a securities card management method.

In Japan, various methods have been adopted to promote the revitalization of the Japanese economy by shifting deposits and savings, which are indirect financial assets that account for most of individual financial assets, to direct financial assets.
For one thing, with the spread of the Internet, efforts are being made to make it possible to easily buy and sell securities such as stock certificates and bonds on the website of a securities company on the Web without going to a store.
In particular, as a measure to increase the purchase volume of new general investors, the Internet is often used, but young people who have not traded stocks until now are being guided to stock exchanges.

However, the reason why young people are not interested in securities trading itself is that securities trading requires a certain amount of money and it is not easy to buy securities.
On the other hand, young people purchase POSA (registered trademark) cards, which are one of the prepaid cards, from convenience stores for game items and music distribution, and acquire game items through online shopping using smartphones. It is used for music distribution (see, for example, Patent Document 1). In the present embodiment, the POSA (registered trademark) card is hereinafter simply referred to as a prepaid card.

Therefore, if a prepaid card for securities trading can be sold at a convenience store for the same amount as the above games and music distribution, and if this prepaid card can be used to easily purchase bonds through online shopping, many young people will be securities. You can lead to a transaction.

Japanese Unexamined Patent Publication No. 2010-165115

However, in Japan, when purchasing bonds, it is necessary to open a transfer-only account at a bank designated by the securities company that sells the bonds and transfer the amount required to purchase the bonds. For this reason, purchasing a prepaid card does not mean that you can purchase bonds immediately. Also, even if you try to open a transfer-only account at a bank designated by a securities company that sells bonds before purchasing a prepaid card, you cannot open a transfer-only account at the bank in real time.
That is, when opening the transfer-only account, generally, a document regarding personal information for proof of identity is mailed to the bank, and after the bank confirms this document, the transfer-only account is opened.
Therefore, at the timing you want to acquire, in order to purchase the stock certificate of the specified company, after purchasing a prepaid card that can be used for securities trading, or before purchasing a prepaid card, hurry to open a transfer account. Even so, it will take a certain amount of time to open the transfer account, and the timing of purchasing the stock certificate will be missed.

The present invention has been made in view of such circumstances, and when a prepaid card (POSA (registered trademark) card) that can be used for securities transactions can be opened and acquired in real time at the timing of purchasing a prepaid card (POSA (registered trademark) card). The purpose is to provide a securities card management method that enables the purchase of securities.

The present invention has been made to solve the above-mentioned problems, and the securities card management method of the present invention is input when a store terminal purchases a securities card, which is a prepaid card used for acquiring securities. is the read first identification information attached to the security card, and transmitting the first identification information to the card management server of a card management company, the card management server, the first identification to the security card corresponding to the second identification information attached with information, the method comprising: activating rewrite the card management table, the user terminal, for the securities and Exchange server securities companies to buy the securities using said security card , and the process of performing the processing of user registration by using the account opening application, the user terminal, the bank bank account server that specifies of the securities company, using the application of account opening, in order to open a transfer dedicated account The process of transmitting each of the user attribute information and the certificate image of the above, and the bank account server assigns the account number of the transfer-only account to the transfer-only account table by each of the user attribute information and the certificate image. By writing, the process of opening the transfer-only account in real time, and when the securities management server opens the transfer-only account and activates the second identification information, the second identification information There line the accounting treatment of the amounts shown in the securities card in response to, and the process of performing the purchase process of the securities, the securities management server, with respect to the bank account server, through the transfer dedicated account, the and a process of performing processing of requesting the transfer process of charging the treated amount.

According to the present invention, it is possible to provide a securities card management method capable of opening a transfer-only account in real time at the timing of purchasing a prepaid card that can be used for securities transactions and purchasing bonds when desired. it can.

It is a conceptual diagram which shows the structural example of the securities card system by one Embodiment of this invention. It is a figure which shows the structural example of the securities card in which each of the activation target number and the PIN number is described. It is a figure which shows the configuration example of the management card table written in the card management database 12. It is a figure which shows the configuration example of the transfer-only account table written in the transfer-only account database 22. It is a figure which shows the structural example of the securities management table written in the securities management database 32. It is a flowchart which shows the operation example of the process of opening an account used for purchasing the security by the securities card in this embodiment. It is a flowchart which shows the operation example of the opening process of the exclusive transfer account by the securities card system by this embodiment. It is a flowchart which shows the operation example of the processing of activation of a securities card by the securities card system by this embodiment. It is a flowchart which shows the operation example of the processing of the securities purchase by the securities card by the securities card system by this embodiment.

Hereinafter, an embodiment of the present invention will be described with reference to the drawings. FIG. 1 is a conceptual diagram showing a configuration example of a securities card system according to an embodiment of the present invention. In FIG. 1, the securities card system includes a card management server 11, a bank account server 21, a securities management server 31, a POS terminal 40_1 to 40_n (n is a natural number), and a user terminal 50_1 to 50_m, each of which is provided by a network 60. It is connected.
The card management server 11 manages each of the activation target number (first identification information) and PIN (Personal Identification Number) number (second identification information) for each securities card, and manages the activation of each securities card. I do. Further, in the card management database 12, a securities card table for managing activation of securities cards is written and stored in advance.

FIG. 2 is a diagram showing a configuration example of a securities card in which each of the activation target number and the PIN number is described. The securities card is a prepaid card (for example, a POSA (registered trademark) card) and can be used when purchasing securities from a securities company. In FIG. 2, the necessary information of the securities card is printed or affixed to the surface 100S of the securities card 100. The necessary information is at least the amount of the securities card, the type of application, the activation target number, and the PIN number.

Area 101 indicates an amount (○○○○○ yen) that can be prepaid as a securities card, that is, can be used for payment when a bond is purchased later. Area 102 shows an applicable type, which is a type of securities that can be purchased from a securities company. For this adaptation type, for example, if the bond that can be purchased is a stock certificate, the stock certificate of a pharmaceutical company is indicated as the type of industry. In addition, when all types of bonds are supported, information on this applicable type is not given.

The activation target number is shown in the area 103. The activation target number is information that can identify each individual of the securities card, that is, an identification number for identifying the securities card to be activated. The activation target number indicates each of the machine reading code and the character string. A PIN number is shown in the area 104. The PIN number is a password used to purchase securities, and is concealed with an opaque sticker or covered with a wax-like substance (with a scratch structure) before use. After paying a predetermined amount and purchasing a securities card, the user removes the concealed sticker or the like and confirms the PIN number.

FIG. 3 is a diagram showing a configuration example of a management card table written in the card management database 12. In FIG. 3, the management card table is provided with columns for activation target number, PIN number, company information, amount of money, and activation for each record. Here, the activation target number is an identification number used when activating the securities card to identify the securities card to be activated. The PIN number is a personal identification number when the securities card is used to purchase securities. Company information is information indicating the company of receivables and stocks purchased with a securities card. The amount indicates the prepaid amount of the securities card to be activated.

The status information is whether or not the PIN number of the securities card corresponding to the information of each record is activated (in a usable state), and the used status charged after activation. It is information indicating whether or not. In the status information column, "active" is written when the securities card is activated, "not yet" is written when it is not activated (default), and after the "active" status, it will be described later. When the billing process is performed and the PIN number is in the used state, "done" is written as the state.

Returning to FIG. 1, the bank account server 21 manages the opening of a transfer-only account used when purchasing securities. Further, in the transfer-only account database 22, a transfer-only account table for managing the transfer-only account of each user, which is used when purchasing securities, is written and stored in advance.

FIG. 4 is a diagram showing a configuration example of a transfer-only account table written in the transfer-only account database 22. In FIG. 4, the transfer-only account table is provided with columns for account number, user identification information, user attribute information, and certificate image for each record. The account number indicates the number of the transfer-only account opened by the user. The bank user identification information is the identification information that the bank gives to the user when the bank account is opened to identify the user. The user attribute information is information such as a name, gender, age, occupation, address, telephone number, and e-mail address registered by the user indicated by the bank user identification information. The certificate image is an image of a certificate that proves the user's identity at the time of registration, such as a driver's license or a passport.

Returning to FIG. 1, the securities management server 31 manages the billing process corresponding to the PIN number, the purchase of securities, and the transfer of the billing amount when the user purchases securities. Further, in the securities management database 32, a securities management table for managing securities purchased by the user is written and stored in advance.

FIG. 5 is a diagram showing a configuration example of a securities management table written in the securities management database 32. In FIG. 5, the securities management table is provided with columns for account number, securities user identification information, user attribute information, billing amount, securities holding information, and bank user identification information for each record. The securities user identification information is identification information that identifies the user, which is given when the user registers as a user with a securities company. The user attribute information is information such as a name, gender, age, occupation, address, telephone number, and e-mail address registered by the user indicated by the user identification information. The securities held information is information such as stock certificates and bonds held by the user indicated by the user identification information. The bank user identification information is identification information given to the user by the bank, and is provided to associate each user with the bank user identification information.

Returning to FIG. 1, each of the POS terminals 40_1 to 40_n is a POS (point of sales system) terminal provided in a store such as a convenience store. The terminal is, for example, a personal computer. In addition, each of the POS terminals 40_1 to 40_n sets the activation target number shown on the securities card entered by the clerk at the timing when the user purchases the securities card and pays the amount of the securities card in advance on the card management server. It is transmitted to 11. Hereinafter, when each of the POS terminals 40_1 to 40_n is generically referred to, it is described as the POS terminal 40.

Each of the user terminals 50_1 to 50_m is a terminal arranged in a user's house, which is a general investor, and is, for example, a personal computer. Further, as the user terminal, a smartphone, a tablet computer, or the like having a function of connecting to the Internet may be used. Hereinafter, when each of the user terminals 50_1 to 50_m is generically referred to, it is described as the user terminal 50.

FIG. 6 is a flowchart showing an operation example of an account opening process used for purchasing securities using a securities card in the present embodiment.
Step S11: In order to register as a user with a securities company, the user accesses the securities management server 31 which is a server on the website of the securities company by the user terminal 50. Here, the user terminal 50 accesses the securities management server 31 by an application (web application or installation application) and transmits / receives data.

The securities management server 31 displays the user attribute information registration screen on the display screen of the user terminal 50. Then, the user sequentially inputs his / her own user attribute information according to the input instruction on the registration screen of the user terminal 50. As a result, the securities management server 31 generates securities user identification information corresponding to the input user attribute information, and writes a set of the securities user identification information and the user attribute information in the securities management table of the securities management database 32. Remember with.
Further, the securities management server 31 displays a URL (uniform resource locator) for opening a transfer-only account of a designated bank to transfer the purchase money when purchasing securities on the registration screen of the user terminal 50. ..

Step S12: The user accesses the URL for opening a bank account designated by the securities company, and performs a process of opening a transfer-only account to transfer the purchase money when purchasing securities. Here, the user terminal 50 accesses the bank management server 21 by an installed or web application, and transmits / receives data.
The bank account server 21 displays an account creation processing screen for inputting information for generating a transfer-only account on the display screen of the user terminal 50 in response to access by the above application.

Then, the user inputs each of the user attribute information and the certificate image into the input field prompted for the predetermined input on the account creation processing screen of the user terminal 50.
As a result, the bank account server 21 associates the transfer-only account table of the transfer-only account database 22 with the bank user identification information given to the user, and associates the account number of the transfer-only account, the bank user identification information, and the user attribute information. And each of the certificate images is written and stored. Here, the process of creating an account will be described in detail later.

In addition, the bank account server 21 displays on the account creation processing screen of the user terminal 50 that has accessed itself to open the transfer-only account that the transfer-only account has been opened and the account number given to this user. And notify.
Further, the bank account server 21 transmits each of the bank user identification information and the account number to the securities management server 31 by attaching to a notification indicating that the opening of the dedicated transfer account has been completed.
As a result, the securities management server 31 writes and stores the bank user identification information in the securities management table of the securities management database 32 in association with the securities user identification information.

FIG. 7 is a flowchart showing an operation example of the operation process of opening a dedicated transfer account by the securities card system according to the present embodiment. Hereinafter, in order for the user to open a transfer-only account at the bank, when registering personal information such as user attributes, confirmation of the registration information of the driver's license, which is a confirmation document for confirming the personal information, will be described as an example.

Step S21: As described above, the user accesses the bank account server 21 by the user terminal 50 via the network 60, and refers to a web page that performs an account opening process on the display screen of the user terminal 50.
The bank account server 21 transmits to the user terminal 50 a display for downloading an application program that displays a template frame at the time of imaging on the display screen of the user terminal 50.

Step S22: Then, the user clicks a button for instructing download on the account creation processing screen displayed on the user terminal 50. As a result, the user terminal 50 downloads the application program from the bank account server 21. When the user terminal 50 downloads the application program, the user terminal 50 displays a button for executing the application on the web page of the display screen.
Then, the user clicks the above button to cause the user terminal 50 to execute the application program.

Step S22: When the application is executed, the user terminal 50 adjusts the arrangement of the license so that the outer peripheral portion of the license image overlaps within the frame of the template frame by the imaging device connected to the user terminal 50. In addition, adjustments such as zooming in and out of the imaging position and imaging range of the imaging device are performed.

In this way, the user captures the license image with the imaging device so that the license image, which is an identification card, fits in the template frame. As a result, the user terminal 50 transmits the captured image data (captured image) to the bank account server 21.
The bank account server 21 inputs the imaging data input from the user terminal 50, writes it to its own storage unit, and stores it.

Step S23: The bank account server 21 reads the imaged data from the storage unit, performs image processing for extracting the ruled lines on the imaged data, and extracts the ruled lines of the outer frame printed on the license surface of the license image. Do.

Step S24: Then, the bank account server 21 determines whether or not the ruled line of the outer frame can be detected and acquired in advance in the storage unit, such as the shape and aspect ratio of the outer frame line of the driver's license. Judgment by.
At this time, the bank account server 21 proceeds to step S25 if the ruled line of the outer frame can be acquired, and proceeds to step S22 if the ruled line of the outer frame cannot be acquired.

Step S25: The bank account server 21 performs image correction such as trapezoidal correction, aspect ratio correction, and lens aberration correction on the imaged data (image data) based on the acquired rule line information of the outer frame, and performs OCR (Optical Character). Makes it possible to recognize characters by the Recognition) process.

Step S26: The bank account server 21 performs OCR processing of the captured image data transmitted from the user terminal 50 by the optical character reader connected to itself.
The bank account server 21 extracts a character image, which is the captured data of characters in each of the preset regions, from the captured data obtained by the OCR process from the captured data.
The bank account server 21 performs character recognition of this character image and obtains text data corresponding to the character image.

Step S27: Then, the user uses an input device (for example, a keyboard) of the user terminal 50 to input the user's name to a predetermined input field on the account creation processing screen of the display screen displayed on the user terminal 50. Enter each of the user attribute information, which is personal information such as an address and a telephone number.

After inputting each of the necessary user attribute information in the predetermined input fields of the account creation processing screen of the user terminal 50, the user clicks the execution button requesting the execution of the account opening processing on the account creation processing screen.
As a result, the user terminal 50 transmits the user attribute information input in the input field of the account creation processing screen to the bank account server 21 via the information communication network.

Then, when the user attribute information is input, the bank account server 21 assigns each of the bank user identification information and the account number of the transfer-only account to this user. The bank account server 21 writes and stores the user attribute information, the given bank user identification information, and the account number in the transfer-only account table of the transfer-only account database 22 as a set.

Step S28: The bank account server 21 displays the user's personal information of the user attribute information on the account creation processing screen of the user terminal 50, and prompts the user to confirm the registered contents.

Step S29: The user determines whether or not each of the personal information in the user attribute information displayed on the account creation processing screen is correct. At this time, when each of the personal information in the user attribute information displayed on the account creation processing screen of the user terminal 50 is correct, the user clicks, for example, a button indicating approval on the account creation processing screen. On the other hand, when the user wants to modify the personal information in the user attribute information, for example, he / she clicks a button indicating cancellation on the account creation processing screen.
When the approval button is clicked (YES), the user terminal 50 proceeds to step S30, while when the cancel button is clicked (NO), the user terminal 50 proceeds to step S27 and displays the account creation processing screen. Prompt each re-entry of personal information in user attribute information.

Step S30: The user terminal 50 transmits to the bank account server 21 information that each of the personal information in the user attribute information is correct and that the registration is performed.
Then, the bank account server 21 displays the user attribute information, the given bank user identification information, and the account number on the account creation processing screen of the user terminal 50, and the process of opening the transfer-only account is completed normally. Notify the user.
In addition, the bank account server 21 transmits each of the bank user identification information and the account number of the transfer-only account to the securities management server 31 to notify that the process of opening the transfer-only account has been completed normally. To do.

FIG. 8 is a flowchart showing an operation example of the processing of activation of the securities card by the securities card system according to the present embodiment.
Step S31: A user purchases a securities card of a predetermined amount at a convenience store and pays this amount to a clerk as a prepayment.

Step S32: The clerk reads the activation target number indicated by the machine reading code such as the bar code printed on the securities card purchased by the user with the code reader of the POS terminal 40.
The POS terminal 40 transmits the activation target number (activation number) read by the code reader to the card management server 11 via the network 60.

Step S33: The card management server 11 refers to the card management table in the card management database 12 and searches for the same activation target number as the input activation target number.
Then, when the same activation target number is searched, the card management server 11 changes from the "not yet" state to the "active" in the status information column of the record corresponding to the activation target number in the card management table. By rewriting to the state, the activation process of this securities card is performed.
On the other hand, if the same activation target number as the input activation target number is not searched, the card management server 11 does not perform the editing process on the card management table, sends an error signal to the POS terminal 40, and the activation is normal. Notify the clerk that it was not done.

FIG. 9 is a flowchart showing an operation example of processing of securities purchase by a securities card by the securities card system according to the present embodiment.
Step S41: The user accesses the URL for securities purchase of the securities management server 31 shown on the securities card by the user terminal 50 in order to perform the securities purchase process using the securities card. As a result, the securities management server 31 displays an input field for inputting securities user identification information on the display screen of the user terminal 50 via the web application in order to perform the securities purchase process.
Further, the user terminal 50 may be configured to download an application (installation application) from a URL for purchasing securities, access the securities company management server 31 by the downloaded application, and transmit / receive data.

Then, when the user inputs the securities user identification information in the input field and logs in, the securities management server 31 displays the securities purchase processing screen on the display screen of the user terminal 50. At this time, the user confirms the hidden PIN number on the securities card by peeling off the concealed sticker or the like, and inputs the read PIN number into the PIN number input field on the securities purchase processing screen.
The securities management server 31 transmits the PIN number entered in the input field to the card management server 11.

Step S42: The securities management server 31 searches for the same PIN number as the PIN number supplied from the user terminal 50 by referring to the card management table in the card management database 12.
Here, the card management server 11 determines whether or not the same PIN number as the supplied PIN number has been searched for in the card management table. At this time, when the card management server 11 finds the same PIN number as the supplied PIN number, the card management server 11 proceeds to the process in step S43. On the other hand, if the same PIN number as the supplied PIN number is not searched for, the card management server 11 proceeds to the process in step S41.

Step S43: The card management server 11 refers to the state information of the same PIN number as the supplied PIN number, and determines whether the state information is in the “active” state or not. At this time, if the state information corresponding to the PIN number is in the "active" state, the card management server 11 proceeds to the process in step S44. On the other hand, the card management server 11 notifies the user terminal 50 of the error information when the state information corresponding to the PIN number is not in the "active" state, that is, in the "not yet" or "completed" state. And end the process.

Step S44: The card management server 11 notifies the securities management server 31 of information indicating that the PIN number has been activated, company information, and an amount corresponding to the PIN number. Further, the card management server 11 rewrites the state information corresponding to the PIN number notified to the securities management server 31 in the card management table from the "active" state to the "completed" state. At this time, when the securities management server 31 manages the amount indicated by the securities card corresponding to the PIN number in the securities management database 32, the card management server 11 only has information in which the status information of the securities card is "active". May be configured to transmit. Further, when the securities management server 31 manages the company information indicating the company in which securities can be purchased by the securities card corresponding to the PIN number in the securities management database 32, the card management server 11 manages the company information of the securities card. May not be transmitted.

The securities management server 31 confirms that the PIN number has been activated by the above notification, and writes the notified amount corresponding to the PIN number in the amount column of the securities management table in the securities management database 32 ( Billing process).

Step S45: The securities management server 31 purchases the securities of the company in the notified company information corresponding to the amount in the amount column of the securities management table.
Then, the amount in the amount column of the securities management table is reset (set to "0"), and the information of the purchased securities is written and stored in the holding securities information column of the securities management table.

Step S46: The securities management server 31 transmits a notification to the securities company requesting the bank account server 21 to transfer the amount of the securities card. The bank user identification information of the user who purchased the securities is added to this notification.
As a result, the bank account server 21 transfers the amount corresponding to the PIN number of the securities card to the securities company via the transfer-only account of the user corresponding to the bank user identification information.

According to the above-described embodiment, it is possible to easily and in real time open a transfer-only account at a bank simply by using the image of the certificate on the web, and there is no need to mail the necessary documents as in the past. Therefore, without having time to open an account, purchase securities, which are prepaid cards for securities transactions, at convenience stores and other stores in the same way as prepaid cards for game items and music distribution. After activating the securities card by paying the money in advance, it is possible to purchase the desired securities in real time by online shopping on the web as well as purchasing game items and music distribution. That is, according to the present embodiment, it is possible to easily purchase a securities card and open a transfer account in real time. Therefore, when you want to acquire the securities, you can immediately purchase the securities you want to acquire using the securities card. This will ensure that the timing of securities purchases is not missed. Further, according to the present embodiment, when considering the purchase of securities, the transfer-only account can be opened in a short time by using the application, and the time until the securities card can be used can be shortened. , You can use the securities card immediately.

Further, according to the present embodiment, it is possible to easily open a transfer account for purchasing securities at a bank, and it is possible to easily purchase securities through online shopping similar to game items and music distribution, and further, convenience stores. From the peace of mind that you can invest within the amount paid in advance when purchasing at a store etc., it is possible to lower the threshold for purchasing securities for young people who frequently use prepaid cards, and many It is possible to guide young people to securities trading.
Further, according to the present embodiment, the provider purchases a securities card and presents it to young people as a gift like a book card, so that the money is not prepaid by himself and is shown on the securities card. From the sense of security that you can invest only within the amount of money, it is possible to attract young people who frequently use prepaid cards to make a trial investment and lower the threshold for purchasing securities. Many young people can be led to securities trading.

Further, in the present embodiment, the configuration is described as a configuration in which the securities card purchases securities of a predetermined company, but the timing is arbitrary within the range of the amount shown in the amount column of the securities management table in the securities management database 32. It may be configured to purchase the securities of each of a plurality of different companies in the above. At this time, the securities management server 31 performs a process of subtracting the purchased amount of securities from the amount column of the securities management table, and performs a purchase process according to the user's instruction until the amount column becomes "0".
Further, in the present embodiment, the order of each of the process of purchasing a securities card, the process of activating a securities card, the process of user registration at a securities company, and the process of opening a bank transfer account is as follows. As long as the user registration process at the securities company is performed before the process of opening the transfer-only account, it does not matter in any order. That is, the transfer-only account may be opened after the securities card is purchased, or the securities card may be purchased after the transfer-only account is opened.

Further, the programs for realizing the functions of the card management server 11, the bank account server 21, and the securities management server 31 in FIG. 1 are recorded on a computer-readable recording medium, and the programs recorded on the recording medium are recorded. The card management server 11, the bank account server 21, and the securities management server 31 may cooperate with each other to manage the purchase of the user's securities by using the securities card. The term "computer system" as used herein includes hardware such as an OS and peripheral devices.

In addition, the "computer system" includes the homepage providing environment (or display environment) if the WWW system is used.
Further, the "computer-readable recording medium" refers to a portable medium such as a flexible disk, a magneto-optical disk, a ROM, or a CD-ROM, or a storage device such as a hard disk built in a computer system. Further, a "computer-readable recording medium" is a communication line for transmitting a program via a network such as the Internet or a communication line such as a telephone line, and dynamically holds the program for a short period of time. In that case, it also includes the one that holds the program for a certain period of time, such as the volatile memory inside the computer system that is the server or client. Further, the above-mentioned program may be a program for realizing a part of the above-mentioned functions, and may be a program for realizing the above-mentioned functions in combination with a program already recorded in the computer system.

Although the embodiment of the present invention has been described in detail with reference to the drawings, the specific configuration is not limited to this embodiment, and the design and the like within a range not deviating from the gist of the present invention are also included.

11 ... Card management server 12 ... Card management database 21 ... Bank account server 22 ... Transfer-only account database 31 ... Securities management server 32 ... Securities management database 40,40_1,40_n ... POS terminal 50,50_1,50_m ... User terminal 60 ... Network

Claims (1)

The store terminal reads the first identification information attached to the securities card, which is input when the securities card, which is a prepaid card used for acquiring securities, is purchased, and manages the first identification information. The process of sending to the company's card management server and
A process in which the card management server rewrites and activates the card management table in response to the second identification information attached to the securities card together with the first identification information.
And a process in which a user terminal, said for a securities company securities management servers that use the securities card to purchase the securities, the processing of user registration by using the application of account opening,
The process in which the user terminal transmits each of the user attribute information and the certificate image for opening a transfer-only account to the bank account server of the bank designated by the securities company using the account opening application.
A process in which the bank account server assigns the account number of the transfer-only account to each of the user attribute information and the certificate image and writes it in the transfer-only account table to open the transfer-only account in real time. When,
The securities management server, the transfer dedicated account is opened, when the second identification information is activated, have rows charging processing of the amount indicated in correspondence with the second identification information to the security card, The process of purchasing securities and
The securities management server, with respect to the bank account server, via the transfer-only account, securities card management method, characterized in that it has a process to perform the process of requesting the transfer processing of the accounting process has been amount of money ..

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