JPH10232897A - Credit card system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To enable high-safety credit selling by preventing the illegal issue or illegal user of a card by comparatively storing 1st and 2nd identification information and validizing the 2nd identification information in a storage means corresponding to the report of 1st identification information. SOLUTION: When the credit information on a client is inquired from a member shop, concerning the credit degree of the client, a file stored in a storage device 43 is retrieved and when it is judged that the credit degree is satisfactory and the credit card can be issued, the storage device 43 stores the 2nd identification information generated by a means for generating the 2nd identification information, the reported 1st identification information of the card, information such as the name, address and birthday of the client or simple numerical values or symbols as information for validizing the card so that ability in the issue of the card is reported to the member shop. At the member shop where the sign showing permit for the issue of the card is reported from a credit company, the card of 1st identification information is issued for the client.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION The present invention makes it possible to easily issue a credit card to a customer when using a credit card when selling a product or service (hereinafter, the product and the service are collectively referred to as a product or the like). In particular, the present invention relates to a system for preventing improper issuance and improper use when a credit card is issued immediately at a member store regardless of an employee of a credit sales company.

[0002]

2. Description of the Related Art It is widely practiced today that customers make payments using credits when selling products. Generally, there are two types of payment methods: individual installment or shopping credit, and a payment method using a credit card. Have been done. For each purchase of an individual product, etc., the purchaser describes the prescribed items in the application form and sells it to the credit company or its own credit management department (hereinafter referred to as the credit company) through the store. When the credit company etc. checks the creditworthiness of the purchaser and notifies the store of a member number meaning that the credit application is accepted, the store responds to the credit sale. This method requires the approval of a credit company every time a credit is sold.Therefore, the regulations of the credit company etc. are applied to each sales contract of each product, etc. Outsourcing operations such as book creation can be outsourced to dealers. The purchaser can purchase goods and the like at the same time as applying for credit, and can take the goods back on the spot, which is simple and convenient for the customer and the store, and has an effect of sales promotion.

[0003] The latter method using a credit card is a method in which a user prepares a credit card in advance before purchasing a product or the like. The user submits an application form that describes necessary items to a store such as a credit company, and the store submits the application form to the credit company or the user sends the application form directly to the credit company. When submitted, the credit sales company etc. will examine the contents, but unlike shopping credits, since the goods etc. to be purchased and the amount of money are unknown at the time of issuing the credit card, the credit limit is set for each user And
A credit card is issued to the user together with the notification of the amount. When the user receives the credit card, if the credit card is within the notified usage limit, the user can purchase by credit only by signing the slip without applying for credit every time the individual product or the like is purchased.

[0004] However, the former shopping credit has the above-mentioned simplicity, but requires an application procedure each time a product or the like is purchased with a credit.
There is a problem that the procedure is complicated for the user. For example, even when purchasing goods at the same department store, when purchasing different goods on different floors, the application procedure must be performed each time, and the procedure is troublesome.

[0005] In the latter credit card, since the credit limit cannot be checked perfectly every time a product is purchased by a credit sales company or the like, it is necessary to conduct a screening including a detailed credit check and to prepare the card. And mailing period, etc.
There is a problem that it takes a long time to issue a card to a customer. Attempts to issue the card immediately on the spot to solve this problem have been attempted, but it is necessary to keep a certain amount of the unissued card at the issuing counter, in which case the unissued card is illegally used. Or the risk of unauthorized use of a lost card, it is necessary for a person in charge of a credit company or the like to carry out the work directly or distribute an unfinished card and process the card every time it is issued However, there are various problems such as that the issuing business cannot be easily entrusted to a store or the like.

[0006]

As described above, conventional shopping credits require an application each time they are used, so they are not suitable for repeated reuse, but at the same time have high security in credit sales and at the same time, such as filling out an application form. It has the advantage that the business can be outsourced to a store, etc., and credit cards do not require an application each time they are used, making them suitable for repeated reuse. There are missing issues. Immediate issuance of a card to solve these problems of the card requires the person in charge of a credit sales company to perform the business directly, or requires a dedicated terminal, etc. due to the issue of improper issuance and use. However, there is a problem in the spread of the card issuance business because it cannot be easily entrusted to a store or the like. The present invention compensates for the drawbacks of the conventional credit sales, enables a credit card to be issued immediately at a store or the like, prevents illegal issuance or unauthorized use of the card, and enables highly secure credit sales. Is provided.

[0007]

Means for solving the above-mentioned problems according to the present invention are, as described in the claims, a card in which the first identification information and the second identification information are described, and a first identification information and a second identification information. A credit card system having storage means for storing the identification information and the second identification information for comparison, and having means for validating the second identification information of the storage means by notification of the first identification information of the card; And a card on which the first identification information is written, means for generating the second identification information, and means for storing the first identification information and the second identification information, and a notification of the first identification information of the card. The means for generating the second identification information generates the second identification information, and stores the first identification information and the second identification information in the storage means. The card and the second knowledge Means for generating information and storage means for storing the first identification information, wherein the means for generating the second identification information generates the second identification information upon notification of the first identification information of the card. A credit card system for storing the second identification information in the storage means as corresponding to the first identification information, and a card on which the first identification information is written, the first identification information, and the second identification information. A credit card system having storage means for storing in contrast thereto, and having means for validating the second identification information of the storage means by notification of the first identification information of the card; and a card in these credit card systems. A credit card which has means for reading and writing identification information, and writes information for validating the card from the means for reading and writing to the card in response to notification of the second identification information System and the information to enable the card in the system is a second
Credit card system that is the identification information of

[0008]

FIG. 1 is a diagram showing a system according to an embodiment of the present invention.
0 is a card, 30 is a processor of a credit card issuer's system, 31 is a keyboard, 32 is a reader, 3
3 is a display device, 34 is a storage device, 35 is a communication adapter, 36 is a communication line, 40 is a processing device of the system of the credit card supplier, 41 is a keyboard, 42 is a display device, and 43 is a storage device. 2 is a diagram showing a card entry column, 21 is a first identification information entry column, 22 is a use expiration date entry column, and 23 is a company code entry column.
Is a card having first identification information and second identification information,
Reference numeral 51 denotes a first identification information entry column, 52 denotes a second identification information entry column, 53 denotes a use expiration date entry column, and 54 denotes a company code entry column. The card 20 is a card used for issuance as a credit card at a member store. The first identification information entry field 21 of the card 20 has different identification information for each card, for example, “0001”, “0002”,. "Nn
nn ”and the like, the information indicating the expiration date of the card such as“ December 31, 1998 ”is described in the expiration date entry column 22, and the credit card supplier is entered in the company code entry column 23. It is assumed that the information has been supplied from a credit company or the like to a member store in advance in a state in which the information for specifying is specified. Note that the information described on the card is not limited to the above information, and does not prevent a case where other information is described.

[0009] When a customer applies for a credit card issuance at a member store which is a credit card issuer, the required information such as the customer's name, address, date of birth, etc. is generally provided in a predetermined credit card application form. Fill out and submit to the member store representative. Upon receiving the credit card application form or the like from the customer, the clerk at the member store selects one of the credit card issuance cards 20 prepared in advance.
For example, a card in which "0001" is described in the first identification information entry field 21 is selected, and information such as the customer's name, address, date of birth, etc. is added with the first identification information "0001" of the card. Notify the system of the credit company and inquire about the credit information of the customer. The inquiry can be made online or the like via the communication adapter 35 and the communication line 36 or by a communication device such as a facsimile or a telephone.

[0010] In the system of the credit company, which is a credit card supplier, upon receiving an inquiry about the credit information of a customer from the member store, a file stored in the storage device 43 is searched for the credit of the customer, and the credit is good. If you decide to allow credit card issuance at
The second identification information “1234” generated by the means for generating the identification information of the customer, the first identification information “0001” of the notified card and the information such as the customer's name, address, date of birth or 0, A simple numerical value or symbol such as 1 is stored in the storage device 43 as information for validating the card, and a notification to the effect that the card can be issued is sent to the member store. In this way, at the member store that has been notified that the card can be issued from the system of the credit card company that is the credit card supplier, the card with the first identification information "0001" is issued to the customer, and the card is issued. The customer can immediately use the card as a credit card.

Further, in this example, the first identification information "0001" is newly stored in the storage device 43 of the card supplier's system when the card is issued, but the first identification information "0001" is stored in the storage device 43 in advance. Is stored in the storage device 43 in a state where the first identification information “0001” and the second identification information “1234” are compared, and the other information is newly stored. By doing so, the card can be made valid. Further, the second identification information may be described in advance on the card as in the card 50 in FIG. 3, or the above embodiment shows a case where no new information is described on the card.
The card may be issued after information for validating the card, such as second identification information, is described on the card. Even if the information for validating the card is stored in the storage device 34 of the card issuer's system, the card can be validated.

[0012] In addition, the card 20 or the card 50 in which the first identification information or the first identification information and the second identification information held by the member store are described at least by the credit card supplier. Since the information to validate the card is not stored in the system of a certain credit company, it can not be used as a credit card at all, preventing fraudulent issuance, and pre-issued card due to incomplete management of franchisees Even if the device is stolen or lost, unauthorized use can be prevented with extremely high accuracy.
Therefore, by implementing the present invention, the credit sales company supplies a large amount of pre-issued cards to the store of the affiliated store from the conventional form of managing the card before issuance, and responds to the card issuance request of the visiting store by the affiliated store. A credit card system that enables a credit card to be issued immediately and safely at a store.

Further, the present invention can be implemented not only in the relationship between a credit sales company and a member store but also in a company having a card department by using the present system in a relationship between the card department and other departments. Departments can control card issuance responsibly.

【The invention's effect】

As described in the detailed description of the invention, the effect of the present invention is as follows. A card issuance is made by modifying (newly installing) a system of a credit sales company (a system of a certain scale is installed in a member store). It is possible to immediately issue a credit card at a store using existing equipment without modifying (newly installing) a window system, and a high sales promotion effect by credit sales can be easily introduced at an extremely low cost. In addition, since the use of the card is permitted within a certain limit as in the case of the conventional credit card, there are many advantages such that illegal use can be prevented with extremely high accuracy.

[Brief description of the drawings]

FIG. 1 is a diagram illustrating a system according to an embodiment of the present invention.

FIG. 2 is a diagram showing an example of information written on a card used in an embodiment of the present invention.

FIG. 3 is a diagram showing an example of information described on a card used in an embodiment of the present invention.

FIG. 4 is a diagram showing a processing flow of an embodiment of the present invention.

FIG. 5 is a diagram showing a processing flow of an embodiment of the present invention.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 20 Card 21 First identification information entry field 22 Expiration date entry field 23 Company code entry field 30 Card issuer system processing device 31 〃 Input device 32 ３２ Reader 33 〃 Display device 34 〃 Storage device 35 Communication adapter 36 Communication Line 40 Processing unit 41 of the card supplier's system 41 〃 Input device 42 表示 Display device 43 〃 Storage device 50 Card 51 First identification information entry column 52 Second identification information entry column 53 Expiration date entry column 54 Company code entry Column

 ──────────────────────────────────────────────────の Continuing from the front page (72) Inventor Shuichi Kojo 3-33-5 Hongo, Bunkyo-ku, Tokyo Nihon Shinpan Co., Ltd.

Claims (6)

[Claims] 1. A card having first identification information and second identification information, and storage means for storing the first identification information and the second identification information in comparison with each other, wherein the first identification information and the second identification information are stored. A credit card system having means for validating the second identification information in the storage means in response to the notification of the identification information. 2. A card on which first identification information is described, means for generating second identification information, a first identification information and a second identification information,
Means for storing the first identification information of the card, and the means for generating the second identification information generates the second identification information in response to the notification of the first identification information of the card. A credit card system for storing identification information of a credit card in a storage means. 3. A card having first identification information, means for generating second identification information, and storage means for storing the first identification information, wherein notification of the first identification information of the card is provided. Means for generating the second identification information, the second identification information being generated, and the storage means storing the second identification information as corresponding to the first identification information. 4. A card having first identification information described therein, and storage means for storing the first identification information and the second identification information in comparison with each other, and in response to the notification of the first identification information of the card, A credit card system having means for validating the second identification information in the storage means. 5. The card according to claim 1, further comprising means for reading and writing identification information on the card, and recording information for validating the card from the reading and writing means on the card in response to notification of the second identification information. Any credit card system. 6. The credit card system according to claim 5, wherein the information for validating the card is the second identification information.