JP7474101B2 - Payment card issuing method, payment card issuing device, and payment card issuing program - Google Patents

Description

The present invention relates to technology for issuing payment cards, and is particularly applicable to information processing systems that issue virtual cards.

Currently, a variety of payment cards are in circulation in society. Here, a payment card is a general term for cards that can be used to make payments without using cash, and includes, for example, credit cards, debit cards, and premade cards. In addition to so-called real cards, in which card information is embedded in a physical card such as a plastic card, so-called virtual cards are also being issued these days, in which card information is managed on an application on a mobile information processing terminal.

For example, Patent Document 1 discloses a method for providing payment cards that issue both virtual and real cards.

JP 2018-152040 A

The method of providing payment cards disclosed in Patent Document 1 is premised on the issuance of a virtual card, and the procedure is to issue a real card after the virtual card is issued. However, in reality, each user has their own circumstances, such as the user already owning a real card or the user not needing a real card. For this reason, there is a demand for a variety of payment card issuing methods suited to the user's circumstances.

The present invention has been made in consideration of the above circumstances, and one example of its objective is to provide a payment card issuing method, a payment card issuing device, and a payment card issuing program that enable a variety of issuing methods suited to the user's circumstances and improve user convenience.

In order to achieve the above object, one aspect of the present invention is a payment card issuing method comprising the steps of:
A method for issuing a payment card via a user terminal carried by a user, comprising:
a user ID generating step of generating a user ID based on user information input via a user terminal;
a real card confirmation step of confirming whether or not the user owns a real card having a real card number and a unique number based on the selection information inputted via the user terminal;
a first issuing step of issuing a virtual card having a virtual card number associated with the user ID when it is determined in the real card confirmation step that the user does not own a real card, and outputting a message to the user that the virtual card has been issued to the user terminal;
a second issuing step of, when it is determined in the real card confirmation step that the user owns a real card, associating the user ID with a unique number of the real card input via a user terminal, issuing a virtual card having a virtual number that is the same as the real card number, and outputting a notice of issuance to the user terminal;
Equipped with.

In order to achieve the above object, a payment card providing device according to the present invention comprises, as one aspect thereof:
A payment card issuing device that issues a payment card via a user terminal carried by a user, comprising:
a user ID generation unit that generates a user ID based on user information input via a user terminal;
a real card confirmation unit that confirms whether or not the user owns a real card having a real card number and a unique number based on selection information inputted via a user terminal;
a first issuing unit that issues a virtual card having a virtual card number associated with the user ID when the real card checking unit determines that the user does not own a real card, and outputs a message to the user indicating that the virtual card has been issued to the user terminal;
a second issuing unit which, when it is determined by the real card confirmation unit that the real card is owned, associates the user ID with a unique number of the real card input via the user terminal, issues a virtual card with a virtual number that is the same as the real card number, and outputs to the user terminal a notice that the virtual card has been issued;
Equipped with.

In addition, one aspect of the payment card providing program according to the present invention is
A payment card issuing program for a computer that issues a payment card via a user terminal carried by a user, comprising:
a user ID generating step of generating a user ID based on user information input via a user terminal;
a real card confirmation step of confirming whether or not the user owns a real card having a real card number and a unique number based on the selection information inputted via the user terminal;
a first issuing step of issuing a virtual card having a virtual card number associated with the user ID when it is determined in the real card confirmation step that the user does not own a real card, and outputting a message to the user that the virtual card has been issued to the user terminal;
a second issuing step of, when it is determined in the real card confirmation step that the user owns a real card, associating the user ID with a unique number of the real card input via a user terminal, issuing a virtual card having a virtual number that is the same as the real card number, and outputting a notice to the user terminal that the virtual card has been issued;
The computer is caused to execute the above steps.

The present invention enables a variety of issuing methods suited to the user's circumstances, improving user convenience.

1 is a schematic diagram of a payment card issuing system according to an embodiment of the present invention; FIG. 2 is a diagram illustrating the contents of user information managed in the payment card issuing system according to the embodiment of the present invention. 1 is an external view showing an example of a real card issued by a payment card issuing system according to an embodiment of the present invention; 1 is an external view showing an example of a virtual card issued by a payment card issuing system according to an embodiment of the present invention; 4 is a flowchart showing the flow of a payment card issuing process in the payment card issuing system according to the embodiment of the present invention.

The following describes an embodiment of the present invention with reference to the drawings.

<Payment card issuing system configuration>
1 is a schematic diagram of a payment card issuing system 10 according to an embodiment of the present invention. Payment card issuing system 10 is an information processing system that issues a payment card in response to a card issuance request from a user, and is an information infrastructure that provides a payment card issuing service capable of issuing both real cards and virtual cards.

The payment card issuing system 10 is also an information processing system that provides a payment card usage service related to the use of issued payment cards, but the functions related to the payment card usage service will not be described in this specification. In the following, the comprehensive service from issuance to usage of a payment card will be collectively referred to as the payment card issuance and usage service.

Here, "payment card" refers to a general term for cards that can be used to make payments other than with cash, and includes, for example, credit cards for purchasing goods or services on a deferred payment basis, debit cards for immediate payment at the time of purchasing goods or services, and premade cards for purchasing goods or services on an advance payment basis. Furthermore, "real card" refers to so-called real payment cards, which are actual payment cards that exist as physical objects such as plastic cards, and "virtual card" refers to so-called virtual payment cards, which are virtual payment cards that do not exist as physical objects but exist as an electronic interface such as on an application. Figure 3 shows an example of a real card in this embodiment, and Figure 4 shows an example of a virtual card displayed on the user terminal 2 in this embodiment.

The "virtual card and real card" in this embodiment includes, for example, a "first virtual card and a first real card" that are prepaid cards that are charged and do not require identity verification, and a "second virtual card and a second real card" that are prepaid cards that can be charged and verified with official documents and linked to personal credit information such as the user's salary or remuneration. That is, the first virtual card and the first real card are cards that do not require screening, and the second virtual card and the second real card are cards that require screening. In this embodiment, the first real card and the first virtual card are paired, and the second real card and the second virtual card are paired. In addition to the real card issued on the payment card issuing system 10 based on the user's will, the first real card also includes a real card that is distributed to specific or unspecified users as an advertising promotional item. In this embodiment, the former first real card may be referred to as the "first real card based on the user's will" and the latter first real card may be referred to as the "distributed first real card."

As shown in FIG. 1, the payment card issuing system 10 comprises a payment card issuing device 1, a user terminal 2, and a communications network 3, such as the Internet or a public network, that enables communication between the payment card issuing device 1 and the user terminal 2. Note that the user terminal 2 here is a terminal that is available to users, and the number of terminals may be either one or multiple, so long as it is a terminal that can be equipped with an application program that can perform identity authentication (user authentication) of a user using a user ID (see below).

(Payment card issuing device)
The payment card issuing device 1 is a computer managed by a business providing a payment card issuing service, and as shown in Figure 1, comprises a memory unit 11, a control unit 12, and a communication unit 13. The payment card issuing device 1 is composed of an electronic device having a central processing unit (CPU) with at least arithmetic and control functions, and a main storage device (memory) consisting of RAM or the like with the function of storing programs and data. In addition to the main storage device, the payment card issuing device 1 may also comprise an auxiliary storage device such as a hard disk. The memory unit 11 has the functions of the main storage device and auxiliary storage device, and the control unit 12 and communication unit 13 are nothing more than concrete examples of the arithmetic and control functions of the CPU.

The memory unit 11 stores information 101 about the user to whom a payment card is issued (hereinafter referred to as user information). Figure 2 shows a schematic diagram of the data content of the user information 101. The user information 101 is information that includes a user ID that can uniquely identify the user in the payment card issuing service, and attribute information about the user (hereinafter referred to as user attribute information). The user attribute information is composed of, for example, a telephone number, an email address, an SNS account, a password, gender, and date of birth.

When a real card is issued in the payment card issuing service, the following are additionally registered in the user information 101: a real card number that can uniquely identify the real card in the payment card issuing service, a unique number for this payment card usage service, and information related to the real card (hereinafter, real card related information). The real card number is managed in association with the user ID, as shown in FIG. 2. In this embodiment, the real card number is an external unique number for using an external settlement institution, and is a number different from the unique number. The unique number may also be used for deposits and withdrawals to and from this payment card.

The real card related information includes, for example, identification information related to the real card, such as a security code and the expiration date of the real card, as well as personal identification information such as the name required when issuing a second real card. When using the real card, usage details and usage history information regarding charges and remaining balance are accumulated as real card related information.

When a virtual card is issued in the payment card issuing service, the following are additionally registered in the user information 101: a virtual card number that can uniquely identify the virtual card in the payment card issuing service, a unique number for this payment card usage service, and information related to the virtual card (hereinafter, virtual card related information). The virtual card number is managed in association with the user ID, as shown in FIG. 2. In this embodiment, the virtual card number is an external unique number for using an external settlement institution, and is a number different from the unique number. The unique number may also be used for deposits and withdrawals to and from the payment card.

The virtual card related information includes, for example, identification information related to the virtual card, such as a security code and the expiration date of the virtual card, and may also include identity verification information, such as a name. When using a virtual card, usage details and usage history information regarding charges and remaining balance are accumulated as virtual card related information.

Although not shown in FIG. 1, the memory unit 11 stores a program (hereinafter referred to as the payment card issuance program) that enables the payment card issuing device 1 to execute the payment card issuance service. The functions of the control unit 12, which will be described later, are realized by executing this payment card issuance program.

The control unit 12 is functionally divided into a user registration unit 102, a card ownership status confirmation unit 103, a virtual card issuing unit 104, a real card issuing unit 105, and a card number updating unit 106.

The user registration unit 102 is a function for registering a new user. In this embodiment, user authentication is performed based on a telephone number or email address entered via a new member registration screen (not shown) displayed on the user terminal 2, and if user authentication is successful, a user ID is issued. In other words, the user registration unit 102 can also be considered a user ID generation unit.

Specifically, the user registration unit 102 executes an SMS (short message service) based on the input telephone number or email address, and transmits an authentication number to the user terminal 2. Next, the user registration unit 102 performs user authentication by checking the authentication number input via the new member registration screen. In this embodiment, the telephone number or email address and password input on the new member registration screen become the login ID and password used when logging in thereafter.

The new member registration screen (not shown) may have fields for date of birth and gender, and for minors, a check box may be provided to indicate whether or not parental consent has been obtained. The idea is that if the user is a minor, new registration is possible on the condition that parental consent has been obtained. In addition to a telephone number or email address, a social networking service (SNS) account may also be used as a login ID.

In addition, if user authentication is successful, the user registration unit 102 has a function of registering user information 101 consisting of a user ID and user attribute information in the storage unit 11. The user attribute information includes the telephone number, email address, password, gender, date of birth, etc., input by the user.

The card ownership status confirmation unit 103 is a function that confirms whether or not the user owns a real card. In this embodiment, the flow of the subsequent payment card issuance process differs depending on whether or not the user owns a real card, so the user is asked whether or not he or she owns a real card. In other words, the card ownership status confirmation unit 103 can also be said to be a real card confirmation unit.

The virtual card issuing unit 104 is a function for issuing a virtual card. When issuing a virtual card, the issued virtual card number, unique number, and virtual card related information are registered in the storage unit 11 as user information 101. The virtual card number of the issued virtual card is registered in association with the user ID (the unique number of the issued virtual card is also registered in association with the user ID). In this embodiment, the virtual card is activated upon issuance, and the virtual card can be used.

The real card issuing unit 105 is a function for issuing a real card. When issuing a real card, the issued real card number, the unique number, and real card related information are registered in the storage unit 11 as user information 101. The real card number of the issued real card is registered in association with the user ID (the unique number of the issued real card is also registered in association with the user ID).

The card number update unit 106 is a function for unifying the card numbers when a user owns both a real card and a virtual card. In this embodiment, when a user owns both a real card and a virtual card, the real card number is unified, so the virtual card number is updated to the real card number.

The communication unit 13 is configured to send and receive data with the user terminal via the communication network 3.

(User terminal)
The user terminal 2 is a computer that is a terminal managed by the user, and in this embodiment, it is assumed to be a device carried by the user, such as a smartphone or tablet device. The user terminal 2 is composed of an electronic device having at least a central processing unit (CPU) with a calculation function and a control function, and a main memory device (memory) consisting of a RAM or the like with a function of storing programs and data. In addition, the user terminal 2 is equipped with an input device such as a touch panel and a display screen such as a liquid crystal display as a hardware configuration.

As shown in FIG. 1, the user terminal 2 specifically includes a memory unit 21, a UI (User Interface) unit 22, a control unit 23, and a communication unit 24.

The storage unit 21 is composed of, for example, a flash memory, and is configured to store data and programs used by the control unit 23 for control. In this embodiment, an application program (hereinafter simply abbreviated as app) 201 for the user to use the payment card issuing service is installed in the storage unit 21. The app referred to here may be a web app used by the user using a web browser as an app for using the payment card issuing service, or it may be a hybrid app that combines this web app with a native app that is installed on the terminal and used. In this embodiment, a hybrid app is used.

The UI unit 22 serves as both the input unit and the output unit of the user terminal 2, accepting input operations from the user and outputting the results processed by the control unit 23 in response to the input operations. For example, it is composed of a touch panel that also serves as a display screen, a microphone, a speaker, and the like.

The control unit 23 is composed of, for example, a CPU and memory, and realizes the payment card issuing function 24 by controlling the storage unit 21, transferring various data, performing various calculations, temporarily storing data, etc. The payment card issuing function 24 is a function on the user terminal 2 side in the payment card issuing system 10, and is realized when the CPU reads the app 201 into memory and executes it.

The communication unit 24 is configured to send and receive data with the payment card issuing device 1 via the communication network 3.

<Payment Card Issuance System Operation>
Next, the operation of payment card issuing system 10 according to the present embodiment will be described with reference to Fig. 5. Fig. 5 is a flowchart showing the flow of the payment card issuing process in payment card issuing system 10. Note that the description will be given on the assumption that application 201 has been installed in user terminal 2 and application 201 is running.

First, the user registers for the payment card issuing service via the user terminal 2 (step S10). Specifically, the user sets a login ID on a new member registration screen (not shown) displayed on the user terminal 2 and presses the send button. The login ID to be set is a telephone number or email address, and a password. This causes information about the set login ID to be sent to the payment card issuing device 1. When the payment card issuing device 1 receives the information about the login ID, it sends an authentication number to the set telephone number or email address using SMS. The user enters the authentication number received by the user terminal 2 on the new member registration screen and presses the authentication button. This causes the entered authentication number to be sent to the payment card issuing device 1, and the payment card issuing device 1 performs user authentication based on a match between the sent authentication number and the received authentication number. If the user authentication is successful, the following process is performed.

Since the payment card issuing device 1 successfully authenticates the user in step S10, it issues a new user ID and registers user information 101 in the memory unit 11 based on the information entered by the user (step S20).

Next, the payment card issuing device 1 displays a real card confirmation screen (not shown) on the user terminal 2 to ask whether the user owns a real card, and the user selects whether he or she "has" or "does not have" a real card on the real card confirmation screen depending on his or her real card ownership status (step S30). As a result, the selection information of whether the user "has" or "does not have" a real card is transmitted to the payment card issuing device 1.

If the user does not possess a real card (step S30: NO), that is, if the payment card issuing device 1 receives selection information indicating that the user does not possess a real card, the payment card issuing device 1 issues a virtual card (step S40). Specifically, the payment card issuing device 1 registers the virtual card number and unique number of the newly issued virtual card in the user information 101 in association with the user ID, and transmits to the user terminal 2 a virtual card issuance completion screen (not shown) displaying a message indicating that the virtual card has been issued. This allows the user to know that the virtual card has been issued from the message on the virtual card issuance completion screen displayed on the user terminal 2. Note that when the user presses a button to use the issued virtual card on the virtual card issuance completion screen, the virtual card screen shown in FIG. 4 is displayed on the user terminal 2, and the virtual card can be used immediately.

Next, the payment card issuing device 1 sends a real card issuance confirmation screen (not shown) to the user terminal 2, prompting the user to decide whether to issue a new real card (step S50). If the user wishes to issue a new real card on the real card confirmation screen displayed on the user terminal 2 (step S50: YES), the user further selects whether to issue a first real card or a second real card (step S60) and instructs the payment card issuing device 1 to issue a real card. If the user does not wish to issue a new real card on the real card confirmation screen displayed on the user terminal 2 (step S50: NO), the payment card issuance process ends.

In step S60, if a new issuance of a second real card, that is, a real card that requires identity verification, is desired (step S60: second), the payment card issuing device 1 sends an identity verification information registration screen (not shown) for registering identity verification information to the user terminal 2, and the user uploads identity verification information on the identity verification information registration screen (step S70). Here, identity verification information refers to information that can verify the identity of the user, such as a driver's license, resident basic register card, passport, My Number card, or resident certificate, and uploading identity verification information refers to sending electronic data (image data) of these documents or cards to the payment card issuing device 1.

When the payment card issuing device 1 receives the personal identification information, it sends to the user terminal 2 an activation number input screen (not shown) displaying a message indicating that the activation number required to activate the second real card will be sent at a later date. Here, sending the activation number means, for example, mailing a paper with the activation number written on it to the address together with the second real card, or, if an email address is used as the contact point, sending an email with the activation number written on it to the email address. Note that the business sends the activation number only when it approves the issuance of the second real card as a result of an examination based on the personal identification information. If it does not approve the issuance of the second real card, a paper or email with a message to that effect is sent.

In this way, the real card issuance request specifically consists of information indicating the real card issuance request, flag information indicating whether the first real card or the second real card is being issued, and contact information such as an address and email address. When the payment card issuing device 1 receives a real card issuance request, the business issues the real card desired by the user with a real card number attached, and delivers the issued real card together with the usage activation number to the user based on the contact information. Note that the usage activation number may be sent by another means such as an email address.

On the other hand, in step S60, if a first real card, that is, a real card that does not require identity verification, is desired to be newly issued (step S60: first), the user inputs delivery information for the real card (step S80). In this embodiment, the payment card issuing device 1 transmits a delivery information registration screen (not shown) for registering delivery information for the real card to the user terminal 2, and the user uploads the delivery information on the delivery information registration screen. Here, uploading delivery information means that the user inputs text data, voice data, etc. of the delivery information, or transmits electronic data (image data) of a document or card showing the delivery information to the payment card issuing device 1.

When the user receives the first real card at a later date, the user inputs the unique number and security code of the delivered real card on the unique number input screen (not shown) of the user terminal 2 (step S90). When the user receives the second real card at a later date, the user inputs the activation number on the activation number input screen (not shown) in addition to the unique number and security code (step S90). As a result, in the case of the first real card, various information including the unique number and security code is transmitted to the payment card issuing device 1, and in the case of the second real card, various information including the unique number, security code, and activation number is transmitted to the payment card issuing device 1.

When various information about the real card is sent to the payment card issuing device 1, the payment card issuing device 1 validates the first real card or the second real card based on a match between the sent information and the information based on the various information about the real card (step S100).

Here, activating the first real card or the second real card in step S100 means that the payment card issuance and usage service provided by the payment card issuing system 10 can be used using the real card.

Specifically, the payment card issuing device 1 registers the real card number and unique number of the activated real card in user information 101 in association with the user ID, and transmits to the user terminal a real card activation completion screen (not shown) displaying a message indicating that the activated real card can now be used. This allows the user to know from the message on the activation completion screen that the first real card or second real card has been activated.

Next, the payment card issuing device 1 updates the virtual card number (external unique number) of the virtual card issued in step S40 to the real card number (external unique number) of the activated real card (step S110). This is because in the payment card issuing system of this embodiment, when a user owns both a real card and a virtual card, the card numbers are unified. When the process of step S110 is completed, the payment card issuance process ends.

On the other hand, if the user owns a real card (step S30: YES), that is, if the payment card issuing device 1 receives selection information indicating that the user "owns" the real card, the payment card issuing device 1 sends a unique number input screen to the user terminal 2, and the user inputs the unique number and security code of the real card they own on the unique number input screen displayed on the user terminal 2 (step S120). As a result, various information about the real card, including the unique number and security code of the real card, is sent to the payment card issuing device 1, and the payment card issuing device 1 determines whether the real card currently owned is a first real card or a second real card based on the various information about the real card (step S130).

If the real card owned by the user is a second real card, that is, a real card that requires identity verification (step S130: second), the payment card issuing device 1 sends an identity verification information registration screen (not shown) for registering identity verification information to the user terminal 2, and the user uploads identity verification information on the identity verification information registration screen (step S140).

When the payment card issuing device 1 receives the identity verification information, it sends to the user terminal 2 an activation number input screen (not shown) displaying a message indicating that the activation number required to activate the second real card will be sent at a later date.

At a later date, when the user receives the sent activation number, he/she enters the sent activation number on the activation number input screen of the user terminal 2 (step S150). As a result, various information including the activation number is sent to the payment card issuing device 1, and the payment card issuing device 1 activates the second real card with the entered unique number by matching the sent information with information based on the various information of the sent real card (step S160).

On the other hand, if the real card owned by the user is a first real card, that is, a real card that does not require identity verification (step S130: first), the payment card issuing device 1 activates the first real card with the input unique number (step S160).

Here, activating the real card in step S160 means that the real card can be used to use the payment card issuance and usage service provided by the payment card issuing system 10. In other words, if the real card owned by the user is charged, it can already be used to purchase goods or services at affiliated stores, but by going through the process of activating the real card, it is recognized by the payment card issuing system 10 and can be used for online payments as well.

Specifically, the payment card issuing device 1 registers the real card number and unique number of the activated real card in user information 101 in association with the user ID, and transmits to the user terminal a real card activation completion screen displaying a message indicating that the activated real card can be used. This allows the user to know from the message on the activation completion screen that the real card they own has been activated.

Next, the payment card issuing device 1 issues a virtual card (step S170). Thus, in this embodiment, if a user owns a real card and activates the real card, a virtual card is also issued at the same time.

Specifically, the payment card issuing device 1 registers the virtual card number and unique number of the newly issued virtual card in user information 101 in association with the user ID, and transmits to the user terminal a virtual card issuance completion screen displaying a message to the effect that the virtual card has been issued. This allows the user to know that the virtual card has been issued from the message on the virtual card issuance completion screen.

The virtual card number (external unique number) of the virtual card issued in step S170 is set to the real card number (external unique number) of the real card owned by the user. In the payment card issuing system of this embodiment, if a user owns both a real card and a virtual card, the card numbers are intended to be unified. When the process of step S170 is completed, the payment card issuance process ends.

As described above, according to the payment card issuing system 10 of this embodiment, the flow of the payment card issuing process is configured to differ depending on whether or not the user owns a real card. In detail, (1) if the user owns a first real card, the first real card can be activated and a new virtual card can be issued simply by inputting the unique number of the real card. Also, if the user owns a second real card, the second real card can be activated and a new virtual card can be issued by inputting the start of use number that is issued as a result of the examination of the identity verification information. Also, (2-1) if the user does not own a real card, a new virtual card is issued and the user is asked whether or not a real card is required. (2-2) If a real card is not required, the process ends with only the issuance of the virtual card. (2-3) On the other hand, if a real card is also required, a new real card is issued.

Here, (2-3-1) when a first real card is newly issued based on the user's wishes, the real card can be activated simply by inputting the unique number of the delivered real card, whereas (2-3-2) when a second real card is newly issued, the real card can be activated by inputting the activation number that is issued as a result of the review of the user's identity verification information.

In this way, the payment card issuing system 10 according to this embodiment allows for a variety of payment card issuing methods suited to the user's ownership of physical cards, thereby improving the convenience of users when issuing payment cards.

For example, for the first real card that has been distributed and the first real card based on the user's will, the real card can be activated simply by inputting the unique number of the real card, so that the user can easily enjoy the benefits of the payment card issuance and usage service. In addition, for the second real card, the second real card is issued carefully, taking into account screening, so that the user can enjoy the benefits of the payment card issuance and usage service while ensuring the safety of the payment card issuance and usage service.

In addition, in the embodiment of the payment card issuing system 10, when a user owns both a real card and a virtual card, the card numbers are unified, thereby preventing the user from having to manage their payment cards in a cumbersome manner.

Although the embodiments of the present invention have been described above, the present invention is not limited to the above-mentioned embodiments, and various modifications and changes can be made to the embodiments of the present invention without departing from the spirit of the present invention, and such modifications and changes are also included in the technical scope of the present invention.

REFERENCE SIGNS LIST 1 Payment card issuing device 2 User terminal 3 Communication network 10 Payment card issuing system 11, 21 Storage unit 12, 23 Control unit 13, 24 Communication unit 22 UI unit 101 User information
102 User registration unit (user ID issuing unit)
103 Card ownership status determination unit 104 Virtual card issuing unit 105 Real card issuing unit 106 Card number updating unit

Claims (6)

A method for issuing a payment card by a payment card issuing device that issues a payment card via a user terminal carried by a user, the method comprising:
a user ID generating step of generating a user ID based on user information input via a user terminal;
a real card confirmation step of confirming whether or not the user owns a real card having a real card number and a unique number based on the selection information inputted via the user terminal;
a first issuing step of issuing a virtual card having a virtual card number associated with the user ID when it is determined in the real card confirmation step that the user does not own a real card, and outputting a message to the user that the virtual card has been issued to the user terminal;
a second issuing step of, when it is determined in the real card confirmation step that the user owns a real card, associating the user ID with a unique number of the real card input via a user terminal, issuing a virtual card having a virtual number that is the same as the real card number, and outputting a notice of issuance to the user terminal;
a real card issuing request confirmation step of confirming whether or not a real card issuing request has been input via a user terminal when a virtual card has been issued in the first issuing step;
a real card issuing step of issuing a real card having a real card number and a unique number associated with the user ID when a real card issuance request is accepted in the real card issuing request confirmation step, and outputting to the user terminal a message indicating that the issued real card will be delivered;
Equipped with
The real card issuing step includes:
When issuing a real card requiring user identification information (hereinafter referred to as a second real card), outputting to the user terminal a message indicating that a service start number required to activate the second real card will be sent based on receipt of the user identification information,
When issuing a real card that does not require user identification information (hereinafter referred to as a first real card), outputting to the user terminal a message indicating that the first real card will be delivered based on receipt of the distribution destination information;
Characterized in that
Payment card issuing method. When the user authentication is successful based on the unique number of the first real card input via the user terminal, the issued first real card is validated;
When user authentication is successful based on the unique number and usage start number of the second real card input via the user terminal, the issued second real card is activated.
A real card activation step,
2. The method of claim 1, comprising: The payment card issuing method of claim 2, further comprising a card number updating step of updating the virtual card number of the virtual card issued in the first issuing step to the real card number of the activated real card after activating the real card in the real card activation step. The payment card issuing method according to claim 1 , wherein the user information is at least one of a telephone number, an email address, and a social networking site account. A payment card issuing device that issues a payment card via a user terminal carried by a user, comprising:
a user ID generation unit that generates a user ID based on user information input via a user terminal;
a real card confirmation unit that confirms whether or not the user owns a real card having a real card number and a unique number based on selection information inputted via a user terminal;
a first issuing unit that issues a virtual card having a virtual card number associated with the user ID when the real card checking unit determines that the user does not own a real card, and outputs a message to the user indicating that the virtual card has been issued to the user terminal;
a second issuing unit which, when it is determined by the real card confirmation unit that the real card is owned, associates the user ID with a unique number of the real card input via the user terminal, issues a virtual card with a virtual number that is the same as the real card number, and outputs to the user terminal a notice that the virtual card has been issued;
a real card issuing request confirmation unit that confirms whether or not a real card issuing request has been input via a user terminal when a virtual card has been issued in the first issuing unit;
a real card issuing unit which, when the real card issuing request confirmation unit accepts a real card issuing request, issues a real card having a real card number and a unique number associated with the user ID, and outputs to the user terminal a message indicating that the issued real card will be delivered;
Equipped with
The real card issuing unit includes:
When issuing a real card requiring user identification information (hereinafter referred to as a second real card), outputting to the user terminal a message indicating that a service start number required to activate the second real card will be sent based on receipt of the user identification information,
When issuing a real card that does not require user identification information (hereinafter referred to as a first real card), outputting to the user terminal a message indicating that the first real card will be delivered based on receipt of the distribution destination information;
1. A payment card issuing device comprising : A payment card issuing program for a computer that issues a payment card via a user terminal carried by a user, comprising:
a user ID generating step of generating a user ID based on user information input via a user terminal;
a real card confirmation step of confirming whether or not the user owns a real card having a real card number and a unique number based on the selection information inputted via the user terminal;
a first issuing step of issuing a virtual card having a virtual card number associated with the user ID when it is determined in the real card confirmation step that the user does not own a real card, and outputting a message to the user that the virtual card has been issued to the user terminal;
a second issuing step of, when it is determined in the real card confirmation step that the user owns a real card, associating the user ID with a unique number of the real card input via a user terminal, issuing a virtual card having a virtual number that is the same as the real card number, and outputting a notice to the user terminal that the virtual card has been issued;
a real card issuing request confirmation step of confirming whether or not a real card issuing request has been input via a user terminal when a virtual card has been issued in the first issuing step;
a real card issuing step of issuing a real card having a real card number and a unique number associated with the user ID when a real card issuance request is accepted in the real card issuing request confirmation step, and outputting to the user terminal a message indicating that the issued real card will be delivered;
causing the computer to execute
The real card issuing step includes:
When issuing a real card requiring user identification information (hereinafter referred to as a second real card), outputting to the user terminal a message indicating that a service start number required to activate the second real card will be sent based on receipt of the user identification information,
When issuing a real card that does not require user identification information (hereinafter referred to as a first real card), outputting to the user terminal a message indicating that the first real card will be delivered based on receipt of the distribution destination information;
A payment card providing program comprising :

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