TWI826080B - System for managing production and receipt of financial card - Google Patents

Abstract

A system for managing production and receipt of financial card is provided. The system includes a card-maker-server, a first-bank-server, a financial-card-machine and a management-server. The management-server transmits a user ID card number and a first bank account number to the first-bank-server; in response to receiving a verification-success-message from the first-bank-server, the management-server transmits a card-creation-notification-message including a first card to the card-maker-server; when the management-server determines that a card-information-to-be-retrieved matches the first bank account number, the management-server transmits a card retrieval notification including the first card to the first-bank-server; in response to the financial-card-machine, the management-server, the first-bank-server and a user-electronic-device complete a card retrieval verification operation, the financial-card-machine provides the first card.

Description

A system for managing the production and collection of financial cards

The present disclosure relates to a system for managing the production and collection of financial cards.

Currently, when a user wants to apply for a new (reissue) financial card from a specific bank, the user needs to apply at the bank's counter during the bank's business hours. After the financial card is produced, the user needs to go to the bank counter again to receive the financial card. This method is less convenient for users and puts a heavier manpower burden on banks. In addition, if the user does not collect the card within the specified period, the bank will also need to spend manpower to notify the card manufacturer to recover/destroy the financial card.

The disclosed system for managing the production and collection of financial cards includes a card manufacturer server, a First Bank server, a financial card machine and a management server. The management server communication is connected to the card manufacturer's server, the First Bank server and the financial card machine. The management server sends the user's ID card number and the First Bank account number to the First Bank server, where the user's ID card number corresponds to the second card, wherein the first bank account number corresponds to the first bank server; in response to receiving the verification success message from the first bank server, the management server sends a card production notification message including the first card to the card production company server, The first card corresponds to the first bank server; when the management server determines that the card information to be obtained matches the first bank account number, the management server sends a card collection notification including the first card to the first bank server; in response to the financial The card machine, management server, First Bank server and user electronic device complete the card retrieval verification operation, and the financial card machine provides the First card.

FIG. 1 is a schematic diagram of a system 100 for managing the production and collection of financial cards according to an embodiment of the present disclosure. The system 100 may include a card manufacturer server 110, a first bank server 120a, a financial card machine 130, and a management server 140. The management server 140 can be communicatively connected to the card manufacturer server 110, the first bank server 120a and the financial card machine 130. In other embodiments, the system 100 may include a second bank server 120b (communicatively connected to the management server 140), and may include a third bank server 120c (communicatively connected to the management server 140). It should be noted that the number of bank servers shown in Figure 1 is only for illustration, and this disclosure does not limit this. In this embodiment, the first bank server 120a, the second bank server 120b and the third bank server 120c can be respectively installed in different banks.

The card manufacturer server 110 (or the first bank server 120a or the second bank server 120b or the third bank server 120c or the financial card machine 130 or the management server 140) has a processing unit (such as a processor but is not limited to This), communication units (such as: various communication chips, Bluetooth chips, WiFi chips, etc. but not limited to these) and storage units (such as: removable random access memory, flash memory, hard drives, etc. but not limited to This) and other necessary components to run the card manufacturer server 110 (or the first bank server 120a or the second bank server 120b or the third bank server 120c or the financial card machine 130 or the management server 140).

In this embodiment, the financial card machine 130 may include an input and output device 131, card cassettes 1321 to 1328, a card input and output port 133, and an overdue card cassette 134. The input/output device 131 is, for example, a screen and a touch panel. In this embodiment, the cartridges 1321 to 1328 can support Near Field Communication (NFC), which will be further described later.

Assume that a specific user has opened a first bank account and obtained a first card at the first bank where the first bank server 120a is set up (that is, the first bank account corresponds to the first bank server 120a, and the first card corresponds to on the First Bank server 120a). In addition, it is assumed that the user has opened a second bank account and obtained a second card at the second bank where the second bank server 120b is set up (that is, the second bank account corresponds to the second bank server 120b, and The second card corresponds to the second bank server 120b). In addition, assuming that this user has opened a third bank account at the third bank where the third bank server 120c is set up and has not obtained a third card (that is, the third bank account corresponds to the third bank server 120c, And the third card corresponds to the third bank server 120c). Furthermore, it is assumed that the first card, the second card and the third card can all be manufactured by a card manufacturer that sets the card manufacturer server 110 .

The following will continue the explanation by taking this user's lost first card as an example. This user will be able to use the second card to newly apply for (reissue) the first card through the system 100 of the present disclosure, and can also use the second card to newly apply for the third card. The following will continue to explain with the examples of [Apply for Card] and [Receive/Activate Card].

[Apply for card]

The user can insert the second card into the card input and output port 133 and input the password (PIN Code) of the second card through the input and output device 131 . Then, the financial card machine 130 or the management server 140 can verify whether the password entered by the user is correct. Specifically, the financial card machine 130 can verify whether the password entered by the user matches the password stored in the second card. Alternatively, the management server 140 may obtain the password entered by the user and the second bank account number stored in the second card from the financial card machine 130, and require the second bank server 120b to determine whether the password entered by the user is correct.

If the password of the second card entered by the user is correct, the user can continue to operate the input and output device 131 to select the "application for new card/card reissue" function. Then, the user can operate the input-output device 131 to input the first bank account number (in other words, the financial card machine 130 can receive the first bank account number through the input-output device 131). Next, the management server 140 may receive the first bank account number from the financial card machine 130 .

Furthermore, if the password of the second card entered by the user is correct, the management server 140 can obtain the user's ID card number. Specifically, the management server 140 may obtain the user ID number stored in the second card from the financial card machine 130 . Alternatively, the management server 140 may obtain the second bank account number stored in the second card from the financial card machine 130, and receive the user ID number from the second bank server 120b. In other words, the user's ID card number corresponds to the second card (ie, the user's ID card number that was saved when the user opened the second bank account at the second bank).

In order to newly apply (reissue) the first card to the first bank, the management server 140 may send the user's ID card number and the first bank account number to the first bank server 120a. After the first bank server 120a determines that the received user ID number and first bank account number are correct (ie, match the user ID number that the user previously saved when opening the first bank account), the first bank The server 120a may send a verification success message to the management server 140. In response to receiving the verification success message from the first bank server 120a, the management server 140 may send a card production notification message including the first card to the card manufacturer server 110 to request the card manufacturer to produce a (new) first card. .

Similarly, the user can use the method of the above embodiment, after entering the correct password of the second card, select the "Apply for new card/card reissue" function and enter the third bank account number to newly apply for the third card. After the card manufacturer has manufactured the (new) first card and the third card, the card manufacturer can place the (new) first card and the third card in the financial card machine 130 .

FIG. 2 is a schematic diagram of a system 100 for managing the production and collection of financial cards according to another embodiment of the present disclosure. As shown in FIG. 2 , it is assumed that the card manufacturer places the manufactured (new) first card in the cassette 1321 and places the manufactured third card in the cassette 1322 . In this embodiment, the financial card machine 130 can obtain (sensor) the card information to be retrieved through the cassettes 1321 to 1328 . Specifically, the cassette 1321 can use short-range wireless communication to read the first bank account number stored in the first card, and the cassette 1322 can use short-range wireless communication to read the third bank account number stored in the third card. Then, the financial card machine 130 can set the read first bank account number and the third bank account number as card information to be retrieved. Then, the management server 140 may receive card information to be retrieved from the financial card machine 130 .

After receiving the card information to be retrieved from the financial card machine 130, the management server 140 may determine whether the card information to be retrieved matches the user's bank account number in each bank (the first bank, the second bank, and the third bank). Specifically, the management server 140 may confirm with the first bank server 120a, the second bank server 120b and the third bank server 120c whether the card information to be retrieved is the bank account number of the user. When the management server 140 determines (knows) that the card information to be obtained matches the first bank account number, the management server 140 may send a card collection notification including the first card to the first bank server 120a. Then, the first bank server 120a may notify the user to go to the financial card machine 130 to collect the first card. For example, the first bank server 120a can notify the user via SMS or online banking push. Similarly, the third bank server 120c may also notify the user to go to the financial card machine 130 to receive the third card.

It is worth noting that the financial card machine 130 can record the position of the first card (cassette 1321) and the position of the third card (cassette 1322), so that when the user subsequently goes to the financial card machine 130 to receive the first card and/or the third card For three cards, select the first card and/or the third card from the correct cassette.

[Receive/activate card]

The following will be explained by the user receiving the first card. When the user arrives at the financial card machine 130 and wants to receive the first card, similar to the above [Apply for Card] embodiment, the user can insert the second card into the card input and output port 133, and input the second card through the input and output device 131. Card password (PIN Code). If the password of the second card entered by the user is correct, the user can continue to operate the input and output device 131 to select the "receive/activate card" function. Then, the user can continue to operate the input/output device 131 to select the first card to be received/activated (that is, the financial card machine 130 can receive a card selection operation including the first card through the input/output device 131). Then, the user can operate the user electronic device (not shown) and the input and output device 131 carried by the user to allow the financial card machine 130, the management server 140, the first bank server 120a and the user electronic device to perform the card verification operation. . In response to the financial card machine 130, the management server 140, the first bank server 120a and the user electronic device completing the card verification operation, the financial card machine 130 may provide the first card (through the card input and output port 133). The card verification operation will be further explained below.

First, the management server 140 may send a card verification request to the first bank server 120a. Then, the financial card machine 130, the management server 140, the first bank server 120a and the user electronic device can perform a single password verification operation. In detail, the first bank server 120a can send a SMS verification code to the user's electronic device, and the financial card machine 130 can prompt the user to enter the verification code through the input and output device 131 (for example, the verification code can be entered within a time limit of 60 seconds). Then, the user can operate the input and output device 131 to input the SMS verification code (received by the user's electronic device). Then, the management server 140 may receive the SMS verification code input by the user from the financial card machine 130 and send it to the first bank server 120a for comparison by the first bank server 120a.

After the first bank server 120a determines that the SMS verification code is correct, the first bank server 120a may send a default password SMS for activating the first card to the user's electronic device. Then, the financial card machine 130 can obtain the first card (the card has not yet been ejected) from the card cassette 1321 . After the user inputs the default password included in the default password message into the input-output device 131 and the first bank server 120a verifies that the default password is correct, the user can set the password of the first card through the input-output device 131 to Complete the card opening operation. Finally, the financial card machine 130 may provide the first card through the card input and output port 133 .

In other embodiments, the card withdrawal verification operation may correspond to the card withdrawal period. The card withdrawal period can be, for example, one month. This will be explained further below.

FIG. 3 is a schematic diagram of a system 100 for managing the production and collection of financial cards according to yet another embodiment of the present disclosure. It is assumed that the user has not completed the above-mentioned processes in [Receiving/Activating Card] within the card collection period. That is, the user did not receive the first card and the third card within the card collection period. When the above card retrieval verification operation is not completed within the card retrieval period, as shown in FIG. 3 , the financial card machine 130 may place the first card and the third card in the overdue card holder 134 .

In one embodiment, the card manufacturer can regularly perform card recycling/destruction operations. In other words, the card manufacturer can regularly go to the financial card machine 130 to check whether there are overdue cards in the overdue card cassette 134 . In another embodiment, following the above embodiment, after the financial card machine 130 places the first card in the overdue card cassette 134, the management server 140 may receive an overdue card including the first card from the financial card machine 130. notify. Then, the management server 140 may send an overdue notice including the first card to the card manufacturer server 110 to notify the card manufacturer to perform card recycling/destruction operations of the first card.

FIG. 4 is a flowchart illustrating a method for managing the production and collection of financial cards according to an embodiment of the present disclosure. In step S410, the management server transmits the user's ID card number and the first bank account number to the first bank server, wherein the user's ID card number corresponds to the second card, and the first bank account number corresponds to the first bank server. In step S420, in response to receiving the verification success message from the first bank server, the management server sends a card production notification message including the first card to the card production company server, where the first card corresponds to the first bank server. In step S430, when the management server determines that the card information to be obtained matches the first bank account number, the management server sends a card collection notification including the first card to the first bank server. In step S440, in response to the financial card machine, the management server, the first bank server and the user electronic device completing the card retrieval verification operation, the financial card machine provides the first card. The method has been described in the foregoing embodiments and will not be described again here.

In summary, the disclosed system for managing the production and collection of financial cards allows users to use a financial card machine to apply for (reissue) new financial cards. In particular, users can use the financial cards they already hold (from other banks) to let the financial card machine, management server and bank server verify the user's identity. Then, the card manufacturer can be notified to produce a new financial card, and the user can be notified to receive the financial card. Furthermore, when the financial card is not collected within the card collection period, the card manufacturer can be notified to recover/destroy the financial card. Based on this, the disclosed system for managing the production and collection of financial cards can significantly improve the efficiency and flexibility of production and collection of financial cards.

100: System for managing the production and collection of financial cards 110:Card maker server 120a:First Bank Server 120b:Second Bank Server 120c:Third bank server 130:Financial card machine 131: Input and output device 1321~1328: Cassette 133: Card input and output port 134: Overdue card box 140:Manage server S410~S440: steps

FIG. 1 is a schematic diagram of a system for managing the production and collection of financial cards according to an embodiment of the present disclosure. FIG. 2 is a schematic diagram of a system for managing the production and collection of financial cards according to another embodiment of the present disclosure. FIG. 3 is a schematic diagram of a system for managing the production and collection of financial cards according to yet another embodiment of the present disclosure. FIG. 4 is a flowchart illustrating a method for managing the production and collection of financial cards according to an embodiment of the present disclosure.

100: System for managing the production and collection of financial cards

110:Card maker server

120a:First Bank Server

120b:Second Bank Server

120c:Third bank server

130:Financial card machine

131: Input and output device

1321~1328: Cassette

133: Card input and output port

134: Overdue card box

140:Manage server

Claims (7)

A system for managing the production and collection of financial cards, including: a card manufacturer server; a first bank server; a financial card machine; and a management server, which is communicatively connected to the card manufacturer server and the first bank server and the financial card machine, wherein the management server transmits a user ID number and a first bank account number to the first bank server, wherein the user ID number corresponds to a second card, wherein the The first bank account corresponds to the first bank server; in response to receiving the verification success message from the first bank server, the management server sends a card production notification message including the first card to the card production operator Server, wherein the first card corresponds to the first bank server; when the management server determines that the card information to be retrieved matches the first bank account number, the management server transmits the information including the first bank account number. The card pickup notification of the card is sent to the first bank server; in response to the financial card machine, the management server, the first bank server and the user electronic device completing the card pickup verification operation, the financial card machine Provide the first card, wherein the card withdrawal verification operation corresponds to a card withdrawal period, and the financial card machine includes an overdue card holder, wherein when the card withdrawal verification operation is not completed within the card withdrawal period At that time, the gold The card fusion machine places the first card in the overdue card box. The system of claim 1, further comprising a second bank server communicatively connected to the management server, wherein the second card corresponds to the second bank server, and the management server receives the The second bank server or the financial card machine receives the user's ID card number. The system according to claim 1, wherein the financial card machine includes an input and output device, wherein the financial card machine receives the first bank account number through the input and output device; the management server receives the first bank account number from the financial card machine. The machine receives the first bank account number. The system according to claim 1, wherein the financial card machine includes a card cassette, wherein the financial card machine obtains the card information to be retrieved through the card cassette; the management server receives the card information from the financial card machine. The card information to be retrieved. The system according to claim 1, wherein the financial card machine includes an input and output device, and wherein the financial card machine receives a card selection operation including the first card through the input and output device. The system according to claim 1, wherein the card verification operation includes: the management server transmits a card verification request to the first bank server; The financial card machine, the management server, the first bank server and the user electronic device perform a single password verification operation. The system of claim 1, wherein the management server sends an overdue notice including the first card to the card manufacturer server.

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