WO2014196174A1 - プリペイドカードの有価証券化システム - Google Patents

プリペイドカードの有価証券化システム Download PDF

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Publication number
WO2014196174A1
WO2014196174A1 PCT/JP2014/002850 JP2014002850W WO2014196174A1 WO 2014196174 A1 WO2014196174 A1 WO 2014196174A1 JP 2014002850 W JP2014002850 W JP 2014002850W WO 2014196174 A1 WO2014196174 A1 WO 2014196174A1
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WO
WIPO (PCT)
Prior art keywords
prepaid card
activation
computer
information
card
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/JP2014/002850
Other languages
English (en)
French (fr)
Japanese (ja)
Inventor
一哉 竹内
英明 松田
卓真 吉田
伸人 岡井
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Biprogy Inc
Original Assignee
Nihon Unisys Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Nihon Unisys Ltd filed Critical Nihon Unisys Ltd
Publication of WO2014196174A1 publication Critical patent/WO2014196174A1/ja
Priority to PH12015502521A priority Critical patent/PH12015502521B1/en
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/354—Card activation or deactivation

Definitions

  • the present invention relates to a system for managing securitization of prepaid cards such as gift certificates and gift cards.
  • Patent Document 1 discloses a prepaid card including a barcode linked to a PIN code.
  • the POS terminal of the store reads the barcode of the prepaid card, and the PIN code associated with the received barcode is received from the PIN management center, and the electronic money management center receives the PIN code. By validating the PIN code, securitization is performed.
  • Patent Document 1 when the method described in Patent Document 1 is purchased using an online shop that directly sends products to the user such as Internet shopping, it is delivered in the state of being converted into securities by the POS system of the store. There was a problem.
  • the sales company may suffer a great deal of damage due to a number of risks such as theft, breakage or loss of cards that may occur during delivery.
  • the card when a card that has been securitized is delivered, the card is regarded as a valuable item. Therefore, it is essential to use registered mail and the postage cost is high.
  • some of these prepaid cards have a validity period. In such a case, if the securitization is carried out before delivery, the validity period will be valid even during delivery. Has the problem of being consumed.
  • the gateway computer of the securitization system includes an information storage unit that stores issuance information relating to a prepaid card issued by an issuer computer, and is interposed between the headquarter computer and the issuer computer to activate the prepaid card.
  • a gateway computer that performs pre-paid card securitization sold by electronic commerce by performing the activation process, and issuance information stored in the information storage unit and stored information stored in the prepaid card are prepaid Before the delivery of the card, the collation means for collation, and if the collation means confirms that the issued information matches the stored information, the temporary activation executing means for changing the issued information to the temporarily activated state, and the prepaid card After delivery of the prepaid card Characterized in that it comprises a activation determination means for executing Ibeshon process.
  • the cost of managing the voucher such as the delivery cost is reduced, and the loss generated during the delivery is reduced.
  • the effective period of the prepaid card can be efficiently used by the user.
  • FIG. 1 is a diagram showing an overall configuration of a prepaid card securitization system according to a first embodiment of the present invention.
  • the prepaid card securitization system includes a prepaid card issuer computer 110, a gateway computer 120, a head office computer 130, and a user terminal 140.
  • a prepaid card issuer computer 110 and a head office computer 130 of an EC (electronic commerce) site such as an online shop that sells prepaid cards on the Internet communicate with a communication line (wired line, wireless line, Internet) via a central gateway computer 120. Etc.).
  • each computer is loaded with a computer program having different functions for functioning the prepaid card securitization system.
  • the prepaid card issuer computer (issuer computer) 110 has and manages information (issue information) related to the issued prepaid card such as PIN code information.
  • issue information information related to issued prepaid card
  • PIN code information information related to issued prepaid cards
  • the stored information is stored in each prepaid card.
  • the gateway computer 120 includes an information storage database (information storage unit) 1201 that stores card information held by the prepaid card issuer computer 110 and the headquarter computer 130, and each headquarter computer 130 that is operated by a different method or method. By interposing between each prepaid card issuer computer 110 and performing necessary protocol conversion, mutual communication is possible and necessary control is realized. Furthermore, the activation processing site that can receive the prepaid card activation request from the user terminal 140 is operated and managed.
  • information storage database information storage unit
  • the head office computer 130 is a computer installed in the head office to which an EC site that sells prepaid cards on the Internet belongs, and manages sales, delivery, etc. of the prepaid cards.
  • the user terminal 140 is a computer owned by a user who purchases a prepaid card and a user who receives a prepaid card sold on an EC site, and is a computer that can be connected to the Internet, such as a personal computer or a portable terminal.
  • the user of the prepaid card delivery destination is determined by the user who purchases specifying the delivery destination at the time of purchase, and may be the same as or different from the user who purchases the prepaid card.
  • the head office computer 130 and the user terminal 140 are configured to include input means such as a keyboard and a mouse, or at least one predetermined card reader.
  • the “predetermined card reader” refers to a device that can read stored information stored in a prepaid card, and the card reader that can be used differs depending on the type of the prepaid card.
  • the type of the prepaid card is a magnetic stripe card
  • a POS (point-of-sale information management) device or the like can be used
  • it is an IC card an IC card reader or the like can be used.
  • a prepaid card is provided with a bar code and a QR code (registered trademark), a bar code reader, a QR code (registered trademark) reader, or the like can be used.
  • FIG. 2 is a diagram showing the configuration of the gateway computer 120 according to the first embodiment of the present invention.
  • the gateway computer 120 includes an information storage database (information storage unit) 1201, a temporary activation execution unit 1202, an activation confirmation unit 1203, a verification unit 1204, an activation method management unit 1205, and an activation date and time.
  • Calculation means 1206 is provided.
  • the information storage database 1201 stores and manages the prepaid card issue information received from the prepaid card issuer computer 110 and information related to the prepaid card status in association with the issue information.
  • the prepaid card status represents the state of the prepaid card issued by the prepaid card issuing computer 110, and includes, for example, “activated”, “provisionally activated”, and “error notification issued”.
  • the temporary activation executing means 1202 receives a temporary activation request from the head office computer 130, checks the card information, and changes / sets the prepaid card status to “temporary activation”.
  • temporary activation used in this specification refers to a state in which a match is confirmed by collation of card information. That is, the prepaid card that has been “provisionally activated” is not actually activated, and has not yet been converted into securities.
  • the activation confirmation means 1203 receives the activation request, confirms that the prepaid card has been provisionally activated, and executes the prepaid card activation process. If the gateway computer 120 does not receive the payment end information from the head office computer 130 within a predetermined time set in advance, the gateway computer 120 transmits an invalidation processing request for the prepaid card to the prepaid card issuer computer 110. (Not shown) may be provided.
  • the collation means 1204 collates the issuance information received from the prepaid card issuer computer 110 stored in advance in the information storage database 1201 and the card information (stored information) stored in the prepaid card that received the temporary activation request. To do.
  • the activation method management means 1205 manages and stores the activation request reception method set for each prepaid card, such as passive reception or automatic reception, in association with the issue information.
  • passive reception is a method of transmitting a prepaid card activation request to the gateway computer 120 using the user terminal 140 or the like.
  • the automatic reception is a method in which the gateway computer 120 voluntarily executes the activation process at a preset date and time.
  • the activation date calculation means 1206 calculates the date and time when the prepaid card status is changed from the provisional activation status to the activated status. Perform card activation process.
  • the head office computer 130 receives a purchase request from the user terminal 140 (step S301).
  • a user accesses a site such as an online shop that sells a prepaid card, selects a desired prepaid card, inputs a purchase number, etc.
  • the purchase request is transmitted.
  • the head office computer 130 selects an arbitrary prepaid card from the prepaid cards held in accordance with the purchase request (step S302).
  • the head office computer 130 transmits a temporary activation request for the selected prepaid card (step S303).
  • the head office computer 130 reads the stored information from the prepaid card using a predetermined card reader, and transmits the stored information to the gateway computer 120 together with the temporary activation request.
  • the gateway computer 120 that has received the temporary activation request collates the issued information of the prepaid card stored in the information storage database in advance with the received stored information by using the collating means 1204 (step S304). As a result of the collation, when the card information match cannot be confirmed, the gateway computer 120 transmits an error notification to the head office computer 130 and instructs, for example, to select another prepaid card (step S305).
  • a prepaid card for which an error notification has been issued is a card that cannot be sold, the provisional activation process is not performed, and the card is not sold. Therefore, the process returns to step S302, and the head office computer 130 selects another prepaid card and transmits a temporary activation request in the same manner as the above-described processing.
  • the gateway computer 120 uses the temporary activation execution means 1202 to perform temporary activation processing of the prepaid card (step S306).
  • temporary activation processing for example, the status of the prepaid card stored in the information storage database 1201 is changed to “provisionally activated”.
  • the gateway computer 120 confirms the activation request receiving method set for each prepaid card using the activation method management means 1205 (step S307).
  • the gateway computer 120 stores in the activation method management means 1205 that the activation method is automatic reception in association with the prepaid card issuance information (step S308). ).
  • the activation method management unit 1205 instructs the activation date and time calculation unit 1206 to transmit an activation request at a predetermined date and time.
  • “predetermined date and time” and “preset date and time” are used in the same meaning, for example, the date and time when the user uses the prepaid card, that is, the delivery period is avoided. Indicates the date and time.
  • the activation method management unit 1205 issues an arbitrary password assigned to each prepaid card and stores it in association with the prepaid card issue information (step S309). Subsequently, the gateway computer 120 notifies the user of the issued password (step S310).
  • a method for notifying a user of a password for example, there is a method in which an issued password is written in a document and mailed separately from a prepaid card body, or a method of transmitting a password using a mail function or the like.
  • the prepaid card that has been provisionally activated by such a method becomes a card that can be sold and can be delivered to the user.
  • the method for provisional activation processing of one card has been described.
  • the head office computer 130 transmits temporary activation requests one by one, A temporary activation request for the next prepaid card may be transmitted after completing the temporary activation of one prepaid card.
  • the provisional activation process may be executed for all the prepaid cards requested by the user.
  • the prepaid card activation method is passive reception.
  • the user who has received the prepaid card for which the temporary activation process has been completed is activated by the gateway computer 120 using the user terminal 140 at any timing until the actual use of the prepaid card.
  • the processing site is accessed (step S401).
  • the user inputs the PIN code and password using the input means connected to the user terminal 140 in accordance with the instructions described on the site, and combines the received prepaid card information with the prepaid card verification request, Transmit to the gateway computer 120.
  • the gateway computer 120 Upon receiving the prepaid card verification request, the gateway computer 120 compares the prepaid card information with the password information stored in the activation method management unit 1205 (step S402).
  • the gateway computer transmits an error notification to the user terminal 140 using the activation processing site (step S404).
  • an error notification is issued, it is predicted that there is an error in the input of card information such as a password. Therefore, the gateway computer 120 uses the activation processing site again to store the prepaid card storage information and password. Request to send
  • the gateway computer 120 executes an activation process using the activation confirmation means 1203 (step S405).
  • an activation request may be transmitted from the gateway computer 120 to the issuing computer 110, and the issuing computer 110 may execute the activation processing.
  • the information is stored in the information storage database 1201 of the gateway computer 120. It may be executed by changing the status of the prepaid card associated with the stored prepaid card issuance information to “activated”.
  • the gateway computer 120 transmits an activation completion notification to the user terminal 140 via the activation process site or the mail function (step S406).
  • the prepaid card for which the activation process has been completed is a prepaid card that has been securitized and can be used at a store determined by the type of the prepaid card.
  • the valid period of the prepaid card can be used efficiently.
  • the user since the user is converted into securities after receiving the prepaid card after delivery to the user, it is possible to reduce risks such as transportation costs required for delivery and losses that may occur during delivery.
  • the prepaid card securitization system according to the first embodiment uses passive reception as the prepaid card activation method, but this embodiment is characterized in that automatic reception is used.
  • the activation date calculation unit 1206 transmits an activation request to the activation confirmation unit 1203 at the saved date.
  • the activation confirmation unit 1203 that has received the activation request executes the activation process as in the first embodiment.
  • the activation completion notification is issued after the activation process.
  • the notification to the user is the same as the first embodiment, after the activation process, the mail. The user may be notified by a method such as this, and the date when the activation process is completed may be notified together with card delivery.
  • the activation process is automatically performed at the date and time calculated based on the delivery date and time, the user does not need to issue an activation request by himself / herself and efficiently uses the validity period of the prepaid card. be able to.
  • the head office computer is configured to read stored information stored in the prepaid card using a predetermined card reader.
  • input means such as a keyboard is used.
  • the stored information may be read by inputting a number such as a PIN code attached to the prepaid card.
  • confirmation of the activation request reception method is performed, but not limited to this order, when a prepaid card verification request is received. You may confirm the activation method.
  • the activation request receiving method is set for each prepaid card. However, it may be set for each type of prepaid card. The user may select a form.
  • the card information is input using the keyboard of the user terminal 140 or the like during the activation process.
  • the present invention is not limited to this, and the card connected to the user terminal 140 is not limited thereto.
  • Card information may be input using a reader.
  • the prepaid card issuance processing unit (not shown) is used to request the prepaid card issuer computer 110 to invalidate the prepaid card. It is good also as a structure.
  • Prepaid Card Issuer Computer 120 Gateway Computer 130 Headquarter Computer 140 User Terminal 1201 Information Storage Database 1202 Temporary Activation Execution Unit 1203 Activation Confirmation Unit 1204 Verification Unit

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  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
PCT/JP2014/002850 2013-06-05 2014-05-29 プリペイドカードの有価証券化システム Ceased WO2014196174A1 (ja)

Priority Applications (1)

Application Number Priority Date Filing Date Title
PH12015502521A PH12015502521B1 (en) 2013-06-05 2015-11-03 System for enabling prepaid card as negotiable instrument

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JP2013-118629 2013-06-05
JP2013118629A JP6346736B2 (ja) 2013-06-05 2013-06-05 プリペイドカードの有価証券化システム

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2024128208A1 (ja) * 2022-12-12 2024-06-20 株式会社Pbadao Ｎｆｔ配布システムおよびｎｆｔ配布システムのウォレットカード作成方法およびｎｆｃカード処理システムのアクティベーション処理方法

Families Citing this family (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP7031184B2 (ja) * 2017-09-12 2022-03-08 凸版印刷株式会社 Ｉｃカードのアクティベーション方法
JP7421743B2 (ja) * 2019-07-22 2024-01-25 株式会社Kyash 決済媒体の有効化方法及びシステム
KR102345974B1 (ko) * 2020-12-29 2022-01-03 쿠팡 주식회사 다양한 상품들에 관한 데이터 관리 방법 및 이를 이용한 전자 장치

Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JPH10113444A (ja) * 1996-10-15 1998-05-06 Shiro Shirakawa パチンコ遊戯機または回胴式遊戯機などにおけるプリペイドカードの利用管理方法および装置
JP2000231655A (ja) * 1999-02-12 2000-08-22 Ntt Data Corp プリペイドカード配送システム
JP2001120819A (ja) * 1999-10-27 2001-05-08 Nippon Leisure Card-System Co Ltd 遊技管理システム及び管理装置
JP2003152904A (ja) * 2001-11-13 2003-05-23 Ms Communications:Kk 携帯電話のプリペイドカード課金管理方法
JP2005149289A (ja) * 2003-11-18 2005-06-09 Toppan Forms Co Ltd 金券情報管理システム、金券情報管理サーバ及びプリペイドカード付きシート
JP2009503670A (ja) * 2005-07-27 2009-01-29 インゲニア・テクノロジー・リミテッド 真正性検証
JP2010165115A (ja) * 2009-01-14 2010-07-29 Arts Tech Inc プリペイドカードシステム

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Publication number Priority date Publication date Assignee Title
JPH10162067A (ja) * 1996-11-28 1998-06-19 U Card:Kk ネットワークを利用した情報の登録方法
JP2004062772A (ja) * 2002-07-31 2004-02-26 Toppan Printing Co Ltd カード有効化サーバ装置およびカード有効化方法

Patent Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JPH10113444A (ja) * 1996-10-15 1998-05-06 Shiro Shirakawa パチンコ遊戯機または回胴式遊戯機などにおけるプリペイドカードの利用管理方法および装置
JP2000231655A (ja) * 1999-02-12 2000-08-22 Ntt Data Corp プリペイドカード配送システム
JP2001120819A (ja) * 1999-10-27 2001-05-08 Nippon Leisure Card-System Co Ltd 遊技管理システム及び管理装置
JP2003152904A (ja) * 2001-11-13 2003-05-23 Ms Communications:Kk 携帯電話のプリペイドカード課金管理方法
JP2005149289A (ja) * 2003-11-18 2005-06-09 Toppan Forms Co Ltd 金券情報管理システム、金券情報管理サーバ及びプリペイドカード付きシート
JP2009503670A (ja) * 2005-07-27 2009-01-29 インゲニア・テクノロジー・リミテッド 真正性検証
JP2010165115A (ja) * 2009-01-14 2010-07-29 Arts Tech Inc プリペイドカードシステム

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2024128208A1 (ja) * 2022-12-12 2024-06-20 株式会社Pbadao Ｎｆｔ配布システムおよびｎｆｔ配布システムのウォレットカード作成方法およびｎｆｃカード処理システムのアクティベーション処理方法

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PH12015502521B1 (en) 2018-09-26
JP2014235683A (ja) 2014-12-15
JP6346736B2 (ja) 2018-06-20
PH12015502521A1 (en) 2016-02-29

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