WO2002017172A1

WO2002017172A1 - Card issuance application device and card database management device

Info

Publication number: WO2002017172A1
Application number: PCT/JP2001/007200
Authority: WO
Inventors: Shuko Ukuda
Original assignee: Shuko Ukuda
Priority date: 2000-08-24
Filing date: 2001-08-23
Publication date: 2002-02-28
Also published as: AU2001280113A1; JP2002073979A

Abstract

A card issuance application device for allowing a customer to connect an Internet-integrated portable telephone so called portable telephone or a personal computer directly to a correspondent bank card center through the Internet when necessary at any place and to apply issuance of a card. A card database management device is also disclosed. A card issuance application device for issuing a card according to the signal transmitted through the Internet when a customer inputs data into a portable telephone or personal computer of the customer with reference to the card issuance application guide of the travel card service provided in a card issuance application device of a bank card center is disclosed. A card database management device for managing a file containing pre-registered information on a customer such as the name, address, date of birth, gender, identification number, settlement account number, identification number of the account, and password and a pull-down menu file for searching for and selecting a country where the customer is to travel and a foreign business collaboration bank so as to effectively perform card issuance procedure and card data creation is also disclosed.

Description

Description Card issuance application device and card database management device

The present invention relates to a card issuance application device and a card database management device. In particular, a customer uses an Internet-type mobile communication device, a so-called mobile phone (hereinafter referred to as a mobile phone) and a personal computer, a personal computer (hereinafter, a personal computer). Mobile banking and in-net, where customers connect directly to financial institutions such as banks and post offices via the Internet using the Internet, and the customer directly performs the application process for issuing issuance. It relates to a bank card issuing application system and a card management system. Background art

In the past, the issuance of various cards at financial institutions including banks and post offices (hereinafter referred to as banks) has been intensively performed by each bank card center. Because it was done one-sidedly at Cardsen, customers could not issue a card unless they went to a bank counter and applied for a card issuance. In the past, as described above, The following issues were encountered because all card issuance operations at banks were performed intensively at the card center.

First, since the card issuing business functions required for issuing cards are concentrated at a card center, another organization of the bank, the customer must apply directly to the card issuer. I could not go to the bank, so I went to a bank store and wrote an application for issuing a card, and then sent the application for issuing a card from the store to Yuichi Dosen and asked them to issue a force. As a result, customers had to spend some time at bank stores to apply for a card issuance. As mentioned above, since the cards are produced at the credit center where the card issuance work is delegated, it takes more than a week for the produced cards to be mailed to the customer from the card center. It was hanging.

The present invention has been made in order to solve the above-described problems. A customer directly connects to a banking bank power center through a mobile phone or a personal computer via an Internet connection. The customer must provide a mobile publishing application system and a mobile publishing management system in mobile punking and internet net banking, where the card issuance procedure can be performed from wherever necessary. With the goal.

The card issuance application device S and the card data base management device according to the present invention are used for issuing a card between a mobile phone and a personal computer of a customer who has a bank transaction such as savings and savings with which the bank has concluded a card issuance contract. The interface means for sending and receiving signals related to the procedures and the interface means automatically, based on the signal input from the customer to the above interface means, Processing means on the card issuance application device side for performing processing and control, and a computer terminal in the card issuance application device for displaying the customer information and the card data when a force application is received from the customer. Display equipment (hereinafter referred to as the display device) and the customer's identification number that was first entered by the customer to apply for a card issuance, so-called English IDENTIFICATION NUMBER. Temporarily check a customer ID number and password, a so-called PIN, with the pre-registered customer ID number and password stored in the customer PIN file stored in the password database management device. When the customer ID number temporary storage file to be stored and the entered customer ID number and PIN are confirmed, the mobile phone that is automatically displayed on the customer's mobile phone for card issuance procedure The Banking Travel Card Issuance Application Form (hereinafter referred to as the Mopile Card Issuance Application Form) is also displayed on the PC automatically. ) And a travel card service that stores a travel card issuance application that is automatically displayed on a display device; In accordance with the card issuance procedure displayed on the card issuance application form for the mobile phone and the personal computer, the customer completed the card issuance procedure for the time being, An unfinished customer card that has not been attached yet With the automatic processing and control of the processing means on the side of the force issuance application device, the business partner in the bank card center An unfinished customer card data file for temporary storage until the card number is retrieved.

In addition, the card issuance application device is automatically processed and controlled by the processing means of the card issuance application device side, and the business alliance foreign bank card in the bank card center is connected to the business alliance foreign bank card center via the communication device. Unused foreign bank card number file in the card issuance application device to temporarily store the foreign bank card number retrieved from the evening, and incomplete from the above unfinished customer staff file Take out the customer card data and use the above-extracted unused foreign card number to issue the card number issued and the issued foreign card number file to record and save the customer card data And

The database management device connected to the above card issuance application device has a data management system for exchanging signals with the card issuance application device. S side interface means And a means for controlling the internal processing and control on the basis of a signal input from the card issuing application device to the interface means, and a processing means for the base management device side; and for applying for a card issuing, As a means of communication between the bank and the customer, a customer communication contact file that stores the customer's mobile phone e-mail address and personal computer e-mail address registered in advance by a card issuance contract, and the customer's mobile phone Alternatively, register in advance with a card issuance contract to confirm the customer's ID number and password entered into the card issuance application device from a personal computer. A personal identification number file that stores the customer ID number and passcode of the customer who uses the mobile phone and the customer who uses the personal computer, the application form for issuing the mobile phone password, the application form for issuing the personal computer password, and the display. Name, note, date of birth, gender, nationality, passport number of mobile phone and personal computer customers registered in advance through a card issuance contract to be automatically displayed on the travel card issuance application form in the device A customer data file is provided for storing customer information such as payment account numbers and payment account PINs. In addition, the card database management device connected to the force issuance application device includes a travel destination country downtown menu file that stores travel destination country names in alphabetical order and a business partner foreigner located in the travel destination country. A foreign bank pull-down menu file in which bank names are stored in alphabetical order. Force issue application device side interface: The processing by the card issue application device side processing means is based on the card data completed by the customer force issue procedure input signal. Automatically sends a force issuance request signal for automatically sending a force issuance production signal to a force issuance device provided at a bank card center or each bank store by control. It has a part.

Further, the card issuance application interface includes a card issuance notification signal based on the completion of the card issuance by the customer's card issuance procedure input signal, and an erroneous customer input. A card issuance notification signal is automatically sent to automatically send an e-mail to the e-mail address of each customer's mobile phone and personal computer by the processing and control of the card issuance application unit processing means on the ID number and password rejection confirmation signal. Department. BRIEF DESCRIPTION OF THE FIGURES

FIG. 1 is a system diagram showing a force issuance application device and a card data base management device according to the first and second embodiments of the present invention.

FIG. 2 is a diagram showing an application form for registering customer information for creating a credit card of the present invention.

FIG. 3 is a diagram showing a workflow related to the operation of inputting an application for issuing a mopile puncturing travel force according to the first embodiment of the present invention.

FIG. 4 is a diagram showing a workflow related to an input operation of an in-net one-time banking travel card issuing application according to the second embodiment of the present invention.

FIG. 5 is a diagram showing a travel card issuance application form for creating a credit card in the first and second embodiments. Explanation of reference numerals

1 customer, 1 M-in-one Internet mobile communication device, 1 P personal computer, 2 in-net server, 3 bank card center, 3 A-in interface, 3 B processing, 3C computer terminal display device, 3D interface: 3C processing means, 3E processing means, 3F business alliance Temporary file for customer PIN, 3 TCS travel card service file, 3 IDF unfinished power file, 3 FBC unused foreign bank power to DO number file, 3 R issued foreign bank card number file , 3 MP 1 customer communication contact file, 3 MP 2 customer PIN file, 3 MP 3 customer data overnight file, 3 CTY travel destination country bull down menu file,

3 FCB Foreign Bank pull-down menu file, 1 1 First communication connection, 1 2 Second communication connection. BEST MODE FOR CARRYING OUT THE INVENTION

Embodiment 1

FIG. 1 is a system diagram showing a card issuance application device and a power management server according to an embodiment of the present invention.

In the first embodiment, the bank and the customer's mobile phone or personal computer are directly connected to the card issuance application device of the bank card center via the Internet server 1 and the customer himself performs the card issuance procedure. Referring to FIG.

In Fig. 1, 1 is a customer who has a transaction with a bank, such as a bank, who has a contract with the bank to issue a force, and the customer issues a force with the bank. A mobile phone or personal computer is provided as a procedure means or communication means. Reference numeral 2 denotes an Internet server, which constitutes communication means for transmitting and receiving signals related to card issuance procedures between the customer and the bank card center.

Reference numeral 3 denotes a bank power supply, and a card issuance system is provided with the card issuance application device and the card data to evening base management device in the first embodiment. I have.

1 1 is the first communication means, which constitutes the communication connection means for transmitting and receiving the signal between the customer 1's mobile phone or personal computer and the device for issuing the card in the bank card center via the Internet server 2. are doing. Reference numeral 12 denotes a second communication connection means, which indicates a dedicated communication line connecting the bank card center 1 and a bank head office (not shown).

As shown in FIG. 1, customer 1 uses a portable telephone 1 M or a personal computer 1 -P as a means for issuing a card between the bank application and the card issuing procedure or communication means between the devices. Have. To explain customer 1 in detail, customer 1 is a customer who has deposits and savings at the bank and has banking transactions. By registering and signing the customer's name, address, date of birth, gender, identification number, settlement account number and PIN, etc., the customer can use the mobile phone 1 M or PC 1 P of the customer 1 It is possible to connect directly to the card issuing application device of Domestic Bank Card Center 3 via Internet Server 2 and perform the issuance procedure on demand by the customer from anywhere when necessary. it can.

In FIG. 1, the Internet server “1 2” constitutes a communication connection means for directly connecting to the card issuance application device in the domestic bank card center 3 of customer 1's mobile phone 1 1 M PC 1-P. ing.

As shown in Figure 1, the Domestic Bank Card Center 3 is equipped with a card issuance application device and a remote management server.

First, the card issuance application device will be specifically described. The interface means 3A for exchanging signals related to card issuance between the bank and the customer 1 who has concluded the card issuance contract is provided. In addition, based on the signals input from the customer's mobile phone 1.1M or personal computer 11P to the above interface means 3A, the customer information and the file from the respective files of the card issuance application device and the card data base management device are obtained. A processing unit 3B including a CPU and the like for automatically performing internal processing and control such as reading, taking out, and storing of the card data is provided. The interface means 3A includes the travel card completed by the customer's force issuance procedure input signal in the travel card issuance application form displayed on the display device 3C. By the processing and control of the card issuance application device side processing means 3B, a signal for card issuance and preparation is sent to the bank card sensor 1 or a card issuance device (not shown) provided at each store. In addition, a card issuing request signal automatic transmission unit 3X for automatically transmitting a signal is provided.

In the travel card issuance application form displayed on the display device 3C in the interface means 3A, the processing means 3B is processed based on the power supply completed by the card issuing procedure input signal of the customer. A card issuance notification signal automatic transmission unit 3Y is provided to automatically transmit the card issuance notification signal to the e-mail address of the customer's mobile phone 1-1M or personal computer 11-P by processing and controlling .

As shown in Figure 1, the card issuance application device is provided with the following five files: 3 CIP, 3 TCS, 3 IDF, 3 FBC, and 3 ICR. These five files are described. First, the 3 CIP processes the customer identification number and the password, which is an abbreviation of the so-called English IDENTIFICATION NUMBER, entered by each customer in order to apply for a card issuance. This is a temporary file for customer passwords that is temporarily stored by automatic processing and control until it is confirmed with the customer's ID number and password registered in advance by a card issuance contract.3 TCS is In the application for card issuance of mobile banking using mobile phones or in-net banking using personal computers, the card issuance procedure (see Figs. 3 and 4) to the customer's mobile phone 1-M or PC 11-P. This is a TCS file for automatically displaying the travel service file 3 TCS. This file contains the mobile card issued by the mobile phone 1-M. This is automatically displayed on the display device 3C in conjunction with the application form and the PC card issuance application form displayed on the personal computer 11-P, and the power-issuing procedure by the mobile phone 1-1M and the personal computer 1-P. Travel card application form (see Figure 5), card delivery method, so-called card delivery method, Is stored.

3 According to the card issuance procedure indicated on the application form for issuing mobile cards and PC cards, IDF will provide the customer card data created based on the customer signal entered, and the foreign bank card number will be The uncompleted customer card that has not been entered is transferred to the card issuing application requesting processing means 3B through the business communication partner foreign bank card sensor communication communication device 3F by the automatic processing and control of the processing means 3B. This is an unfinished card data file for temporary storage until the foreign bank's ID number is retrieved from the business partner foreign bank. 3 The FBC is a used unused foreign bank card number file for temporarily storing the used unused foreign bank card number extracted from a business partner foreign bank, Dosen Yuichi. 3 ICR will use the unfinished customer card data file 3 The unfinished customer card data entered in the IDF and the unused foreign bank code number retrieved from the business partner foreign bank card card This is an issued foreign bank card number file for recording and storing the card number issued and the customer's credit.

Also, as shown in Fig. 1, the card database management device includes a data management base device for exchanging signals with the card issuance application device. Based on the means 3D and the incoming signal input to the interface means 3D, the customer information and the card data are read and retrieved from the respective card database files provided in the card data base management device. In order to automatically perform internal processing and control such as output and confirmation, a card-side data base management device and a processing means 3E comprising a CPU and the like are provided.

In addition, the card database management device has the following three files, 3 MP1, 3 MP2, and 3MP, for inputting customer information related to card issuance transactions by the customer's mobile phone 1.1M or PC 1.1P. Three are provided.

First, 3 MP 1 is used as a card issuance procedure or a communication means between the card issuance application device and the customer 1 for the customer's mobile phone 1-M and personal computer 1-P registered in advance by the card issuance contract. This is the customer communication means file that stores the email address. 3 MP2 is registered in advance by a contract This is a customer password file that stores the customer ID numbers and passcodes of the mobile phone user and personal computer customer recorded. With the registered customer ID number and password stored in this file, the customer ID number and passcode of customer 1 input to the card issuance application device are confirmed.

3 MP3 is a customer who has registered in advance by card issuance, such as the name, address, date of birth, gender, nationality, passport number, settlement account number, settlement account PIN, etc. It is a customer data file for storing information. First, the customer ID number and password stored in the 3 MP 2 customer PIN file must be checked by checking the customer's ID number and passcode etc. entered into the card issuance application device. The customer ID number and password input to the card issuance application device are stored in the customer password file 3 MP 2 by the processing and control of the card database processing means 3E. When the customer is checked against the pass code and confirmed, the customer of the travel card issuance application form (see Fig. 5) displayed on the display device 3C is displayed together with the customer information stored in the customer data file 3MP3. The e-mail address field and the customer ID number and customer path are automatically entered and displayed in the Brocade and other customer information fields, respectively. Address and customer ID number and customer Pasuwa one earth or numbers or symbols of because of the confidentiality of customer, is displayed with an asterisk.

Further, as shown in Fig. 1, the destination management system includes a destination country pull-down menu file 3 CTY that stores destination country names in alphabetical order, and a destination country location. There is a foreign bank pull-down menu file 3 FBK, in which the names of business affiliated foreign banks are stored in alphabetical order. The travel destination country and business partner foreign bank names, etc. selected from each pull-down menu file indicate the travel power displayed on customer's mobile phone 1 1M, PC 1 1P and display device 3C. It is automatically displayed in the travel destination country and business partner foreign bank columns of the application form.

Next, register customer information to enter into a card issuance contract between the bank and customer 1. Will be described. Figure 2 shows a common card issuance registration application related to a card issuance contract for a mobile phone customer using a mobile banking service and a computer customer using an internet punking service. The card issuance contract is for a customer who has a bank account with a bank and has a bank transaction to send an e-mail address, ID number, password, customer name, The date of birth can be entered by registering and registering the gender, identification number, etc., and the settlement account number and PIN required for foreign currency purchase settlement. At the same time as the card issuance contract, a contract for mobile banking or in-net banking is also concluded. By entering into this card issuance agreement and a mobile banking or internet banking agreement with the bank, the customer can transfer the customer's mobile phone or personal computer to the Internet server. You can directly connect to the card issuance application device of your bank at the bank's card center via, and perform the card issuance procedure yourself from wherever you need it. Next, the workflow related to the operation of the mobile phone issuing procedure of the mobile phone customer 1 shown in FIG. 3 will be described. The customer's mobile card issuance application form and the travel card issuance application form shown on the display device 3C (hereinafter referred to as the card application form in the display device) correspond to each other, and the customer The customer information to be entered in the specified field of the mobile card issuance application form is automatically linked to the specified field of the display device application form by the processing and control of the processing means 3B on the card issuance application apparatus side. Input. This section describes the procedure for issuing a card in Mopile Punking using a mobile phone. M in parentheses indicates each operation flow in the mopile card issuance application form. First, a customer connects to a mobile banking site with a mobile phone (step M1). Select Mopile Punking from the menu list on the Mopile Punking site and press the ENTER key (step M2). Next, select the bank type to which the correspondent bank belongs from the list of city banks, regional banks, postal savings, etc., and press the decision key (Step M3). Select your house bank and press the Enter key (step M4). Next, select a travel card service, Press the enter key (step M5). When this travel power is selected, the travel card service file 3 TCS in the card issuance application device is automatically processed and controlled by the processing means 3B for the issuance application device of the bank. From the mobile banking travel card Φ invoice (hereinafter referred to as the application form for issuing a mobile card) shown in Fig. 3 and automatically displayed on the customer's mobile phone 1-M screen. The travel card application form shown in Fig. 5 is also retrieved from the travel card service file 3 TCS, and automatically displayed on the display device 3C.

Next, enter the customer ID number in the customer ID number field displayed on the mobile card issuance application form, enter the password in the personal identification number field, and press the enter key (step M6). In conjunction with the operation of M6, the customer ID number and passcode entered above are temporarily stored by the automatic processing and control of the card issuing application device-side processing means 3B. File 3 Stored in the CIP and checked against the registered customer number and password stored in the card password file 3 MP 2 in the card management server. The confirmed customer ID number and password, etc. are automatically entered and displayed in the customer ID number field, password field, and email address field of the card application form on the display device together with the customer email address. The customer ID number and the customer PIN are displayed with a star for confidentiality. When the above customer ID number and password are confirmed, the card issuance application reference processing unit 3B automatically stores and stores it in the customer data file 3MP3 in the card data base management device by automatic processing and control. The registered customer name, address, settlement account number, etc. are retrieved and automatically displayed in the customer name column, address column, and settlement account number column of the customer mobile phone 1.1M mopile card issuance application form. You. At the same time, the above registered customer information is entered in the customer name, nationality, date of birth, gender, passport number, address, home phone number, settlement account number, etc. Is automatically displayed.

Next, from the destination country pull-down menu 3 CTY in the displayed destination country column, Select the destination country displayed in alphabetical order and press ENTER (Step

M 7). In conjunction with the operation of step M7, the travel destination country selected in the travel destination country field of the card application form in the display device is automatically input and displayed.

Next, in the displayed business partner foreign bank column, select a business partner foreign bank located in the destination country displayed in alphabetical order from the foreign bank bull-down menu, and press the ENTER key (step M8). In conjunction with the operation of the status M8, the selected foreign bank name is automatically entered and displayed in the business partner foreign bank name field of the disbursement device application form. The above business partner foreign bank is linked to the destination country, and the name of the foreign bank located in the selected destination country is automatically displayed in the business partner foreign bank name field. Next, enter the foreign currency amount in the displayed foreign currency amount field, and check the exchange rate, foreign currency-yen conversion amount, commission, total settlement amount, etc. on the day of purchase, which are automatically displayed, and enter the decision key. Press (Step M 9).

When a foreign currency amount is entered in the foreign currency amount field, the currency unit of the country is automatically displayed in association with the destination country, and automatically displayed in the exchange rate field. The foreign currency-yen equivalent calculated at the exchange rate is displayed in the foreign currency-yen equivalent, the commission is shown in the commission column, and the total settlement amount is shown in the total settlement amount column. In addition, in conjunction with the operation of step M9, the foreign currency amount and the card PIN in the foreign currency card amount column of the card application form on the display device are input, and the card PIN is automatically entered in the exchange rate column. The foreign currency conversion amount automatically calculated at the displayed exchange rate is automatically displayed in the foreign currency conversion column, the commission is displayed in the commission column, and the total settlement amount is automatically displayed in the total settlement amount column.

Next, enter the password in the displayed travel card password field and press the enter key (step M10). In conjunction with the operation of step M10, the card PIN is automatically entered in the card PIN field and the expiration date is automatically entered in the expiration date field of the display device S card application form.

Next, change the side of the mobile phone, select the card delivery method of the card delivery method, and press the ENTER key. (Step Ml 1. If you select the branch delivery by card delivery, enter the name of the bank branch and enter the convenience store. If you select Convenience Enter the name of the store and its address in the respective fields. In conjunction with the operation of Step Ml1, the selected delivery is automatically displayed in the card delivery column of the card application form for display.

Next, change the mobile phone screen, enter the password of the settlement account in the settlement column, select execute, and press the enter key (step Ml 2). In conjunction with the operation of step M12, a star indicating that the password has been entered is displayed in the password field of the account settlement of the card application form in the display device.

Instead of the next mobile phone screen, in step M12, when the payment is executed, the sign in process of card issuance is displayed, and if the sign of insufficient balance is displayed, return to the step M12 screen. You can cancel the card issuance procedure by selecting Cancel (Step Ml 3). Next, the card issuance application device receives the execution of the payment in step M12, and is processed by the card issuance application device-side processing means 3B via the second communication means dedicated communication line 12 (see FIG. After confirming automatically by sending a confirmation signal to, a business partner foreign bank within the banking service, and a business partner foreign bank card through the communication device 3F The foreign bank ID number is immediately retrieved from the foreign country, the foreign bank card number is displayed in the foreign bank card number field on the mobile phone screen, and simultaneously, the power bank is created and the power bank is issued at the same time. The prepared signal is transmitted to the card issuing unit 3 of the bank or the card issuing device 3G of the branch of the bank to issue the card (step M14). Finally, the card issuance application device sends the foreign bank card number and travel card data to the business partner foreign bank card center by the card issuance application device processing means, and at the same time, the issued foreign bank card number Enter the information in the file and save it, and at the same time, send a foreign currency denominated travel ticket issuance notice to the e-mail address of the customer's mobile phone (step M15). The above is the workflow of the issuance procedure in mobile banking using mobile phone 11M. Currently, mobile phones with payment and settlement functions are also one of the mobile phone functions. Therefore, after performing the card issuance procedure described above, it is also possible to use the input and output of the payment or payment to the payment function or the payment function of the mobile phone. Embodiment 2

The workflow related to the card issuance procedure for the customer 1 using the personal computer shown in Fig. 4 will be described. Fig. 4 shows an application form for issuing an online banking travel card (hereinafter referred to as a PC card issuance application form) displayed on a customer's PC for the travel card issuance procedure.

The above-mentioned PC card issuance application form is provided with an e-mail address field, customer ID number field, and password field to be entered by the customer. When the above customer ID number and password are entered, the card issuance application device process by the processing and control means 3 B, automatically then _c the customer name and address are provided by the customer name field and address field that is displayed, and to select a travel destination country and alliances foreign banks from the pull-down menu There is a travel destination country brochure ゃ business partner foreign bank field that is automatically displayed, and a foreign bank car number brocade ゃ expiration date field, foreign currency card amount field, card PIN number field, etc. I have. In addition, there is a section in which, when a foreign currency card amount is entered, an exchange rate, a handling fee, a total settlement amount, and the like are automatically displayed. There are a field for automatically displaying the payment account number and a password input field to settle the total payment amount described above.In addition, a card delivery field and an execution and cancellation selection field for confirming payment And a column for notifying the shortage of settlement money. Figure 4 Displayed on the above customer's personal computer 11 P. In conjunction with the customer's travel force issuance procedure in the Internet banking travel force issuance application form, the customer's input and selection operations are performed by the card issuance application. By the processing and control of the device-side processing means 3B, it is automatically entered in a predetermined column of the card application form in the display device in the card issuance application device.

In the second embodiment, a customer who has a bank transaction with a bank and has a bank transaction makes a request from a customer's PC 11P via the Internet server 2 to a bank within the bank. The following is an example of a card issuance procedure using a personal computer card issuance application that is directly connected to the issuance application device and is performed by the customer. P in parentheses indicates each operation flow in the PC card issuance application form.

First, the customer uses the customer's PC P-1 through the Internet server 2 Connect to the Internet website of Bank Card Center 3 and click (step P1). Next, select a travel card from the menu list of in-net internet banking displayed on the PC P-1 and click it (Step P2).

When this travel method is selected, the travel card service file 3 TCS in the card issuance application unit is automatically processed and controlled by the card issuance application unit-side processing means 3B of the bank card center 13 from the TCS. The banking travel card application is taken out and automatically displayed on the customer's personal computer P-P screen. At the same time, the travel service file in the card issuing application device: 3 TCS to the card shown in Fig. 5 The issuance application form is also retrieved and automatically displayed on the display device S 3 C. The above-mentioned application form for the customer's personal computer and the application form for the display on the display S are compatible with each other, and the customer information that the customer enters in the designated fields of the application form for the personal computer card is processed by the card issuing application device side processing means 3 B With the processing and control of, the data is automatically input in conjunction with the predetermined fields of the card application form during daybreak installation. The customer enters the e-mail address in the e-mail address field, the ID number in the customer ID number field, and the password in the password field of the personal computer card application form displayed on the customer's personal computer PC application screen. Click (Step P 3). The entered customer ID number and password are temporarily stored in the customer PIN temporary storage file by the automatic processing and control of the card issuing application equipment side processing unit 3B, and the card is displayed overnight. It is checked against the registered customer ID number and passcode stored in the customer security code file 3 MP 2 in the management device. The confirmed customer ID number and password are automatically entered and displayed together with the customer email address in the customer ID number field, passcode field, and email address field of the card application form in the display device. The customer ID number and customer PIN are displayed with a star for confidentiality. When the above customer ID number and passcode are confirmed, the automatic processing and control of the processing unit 3B on the application side of the force issuance application unit automatically executes the control in the force data base management device. Registered customer name, address, settlement account number, etc. stored in MP3 file This is automatically displayed in the customer name field, address field, and settlement account number field of the PC card issuance application form in Figure 4 on page 11 of the customer PC. At the same time, the above information is registered in the fields such as customer name, nationality, date of birth, gender, passport number, address, home phone number, settlement account number, etc. Customer information is automatically displayed. Next, the customer draws a travel destination country from the travel destination country pull-down menu 3 CTY using a personal computer mouse, selects it, and clicks it (step P 4). In conjunction with the operation of step P4, the selected travel destination country is automatically input and displayed in the travel destination country field of the display device application form. Next, the customer pulls out the business partner foreign bank name from the foreign bank bull down menu 3 FCB with the mouse of the personal computer, selects it, and clicks it (Step P5). In conjunction with the operation of step P5, the business tie-up of the application form for the display device is automatically entered and displayed in the foreign bank name column. The business partner foreign bank is linked to the destination country, and the name of the foreign bank located in the selected destination country is automatically displayed in the business partner foreign bank name field.

Next, the customer enters the amount of the foreign currency to be purchased in the foreign currency amount to price column and the password in the card PIN number column (step P 6). When the foreign currency amount is entered in the foreign currency card amount field, the currency unit of the country is automatically displayed in connection with the destination country, and the purchase date automatically displayed in the exchange rate field The foreign currency-yen conversion amount calculated at the exchange rate of is displayed in the foreign currency-yen conversion amount column, the commission is displayed in the commission column, and the total settlement amount is displayed in the total settlement amount column. In conjunction with the operation in Step P6, the foreign currency amount and the card PIN are entered in the foreign currency card amount column of the card application form in the display device and automatically displayed in the exchange rate column. The foreign currency-yen conversion amount automatically calculated at the exchange rate used is automatically displayed in the foreign currency-yen conversion amount column, the commission is displayed in the handling fee column, and the total settlement amount is automatically displayed in the total settlement amount column. Next, the customer checks the foreign currency card amount entered in step P6, the automatically displayed foreign currency-yen conversion amount, commission, total settlement amount, etc., and enters the password of the settlement account number for settlement. Enter and click (Step P 7). In conjunction with the operation in step P7, the PIN for account settlement of the card application form in the display device A star sign indicating that a password has been input is entered in the field. Next, by automatic processing and control of the card issuance application device processing means 3B, the customer takes out the travel delivery service file extracted from the travel card service file in the force issuance application device and displays the card. Select one of the three methods: mailing the delivery method, handing over to a bank branch, or handing over to a convenience store, and click (step P8). In the above card delivery method, enter the name of the bank branch if you have chosen to hand over to a bank branch, or enter the name of the store and the point of note if you have selected a convenience store. In conjunction with the operation of Step P8, the customer's card delivery instruction is automatically input and displayed in the field of “delivery of card application form in the display device”. Next, the customer selects “execute” and clicks on it to settle the total settlement amount and terminate the forced issue application (step P9). If you choose to cancel in step P9, your card issuance application will be cancelled. In conjunction with the operation of step P9, a star indicating that the password has been entered in the password field of the settlement account of the card application form in the display device is displayed. In conjunction with the settlement and execution operations in step P9, the card issuance application device uses the card issuance application device-side processing means 3B to connect the settlement in step P9 between the bank headquarters and the second communication means. Confirmation is automatically performed via the dedicated communication line 12 (step PI 0). When the settlement is confirmed in the operation of step P10, based on the customer input information from step P4 to step P10, the automatic processing and control of the card issuance application device の processing means 3B enable the foreign bank An unfinished power data file without an ID number is created and temporarily stored in the unfinished power data file 3IDF (step PI 1).

Further, in conjunction with the operation of step P10, the automatic processing and control of the card issuance application device-side processing means 3B enables the business communication partner foreign bank power communication device 3F in the bank card center 3 to operate. The foreign bank card number is taken out from the foreign affiliated power bank Dosen Yuichi via the business alliance (Step P1 2), and once entered into the unused foreign bank card number file 3FBC (Step P1 3), immediately The foreign card number is taken out to create complete card data (step P1), and at the same time, a card issuance production signal is transmitted to the force issuing device 3G to issue a force (step P1). P15).

At the same time, it sends a complete customer card using the removed foreign bank card number to the business partner foreign bank card center (step P16).

Finally, the card issuance application device inputs the card value using the foreign bank ID number to the issued foreign bank number file 3R through the processing and control of the card issuance application device processing means 3B. At the same time, the foreign currency travel card issuance notice is transmitted to the customer's e-mail address (step P18).

The above is the Internet banking travel card issuance application procedure using the customer PC.

Referring to FIG. Figure 5 shows a travel card issuance application form displayed on the display device inside the card issuance application device, and customer 1 uses a mobile phone 1-1M or a personal computer 1-1P via the Internet server 2 to enter the banking center 3 When the card issuance procedure is performed by connecting to the automatic card issuance device of (1), the card issuing device side processing means 3B automatically processes and controls the travel force in the card issuance application device—the service file 3 (TCS) from FIG. The travel card application is taken out and automatically displayed on the display device inside the card issuance application return.

In Fig. 5, first, there is a customer e-mail address column, customer ID number column, and customer password column of customer 1, where e-mail input from the customer's mobile phone 1-M or personal computer 1-P is shown. The address, customer ID number, and password are entered, but the customer ID number and password are displayed with a star for customer confidentiality. Next, there is a destination country field, in which the destination country selected by the customer from the destination country pull-down menu file 3 CTY is entered. Next, a card data creation column is provided, and the business partner foreign bank selected by the customer from the foreign bank bull down menu 3 FCB is entered in the business partner foreign bank column. In addition, the customer information and other data required for the creation of the card data overnight, such as business partner foreign banks, foreign bank card numbers, foreign currency card amounts, expiration dates, card PINs, customer names, nationalities, and dates of birth Card for entering date, gender, passport number, address, home phone number, etc. There is a column for creating data overnight. In addition, there is a payment column for displaying the exchange rate, foreign currency conversion amount, commission, total payment amount, payment account number, PIN, etc. for card purchase payment.

In addition, there is a card delivery section that records card delivery to customers.

These input fields in FIG. 5 are automatically processed by the card issuing device-side processing means 3B in conjunction with the card issuing operation flow input from the mobile phone 11M or the personal computer 1-P of the customer 1. The customer information registered in advance, that is, customer e-mail address, ID number, password, customer name, address, date of birth, gender, identification number, etc., and payment account number, etc. Input. If the destination country, business partner foreign bank name, etc. are selected from the bull down menu and entered, and the foreign currency card amount is entered, the exchange rate, foreign currency-yen conversion amount, commission, and total settlement amount are entered in the respective fields. When the customer's travel password is entered, it will be displayed with a star in the card password field for confidentiality. Finally, the foreign card number is entered and customer card data is automatically created,

The card is sent to the business partner foreign bank card center, and at the same time, it is entered into the issued foreign bank card number file and stored. . Industrial applicability

As described above, the force issuance application device and the card data base management device according to the present invention are composed of: A—customer password temporary storage file, B—travel card service file, C—incomplete card data file, —Unused foreign bank card number file, E—issued foreign bank card number file, F—customer communication contact file, G—customer PIN file, H—customer ID file, I-trip It consists of the destination country bull down menu file, J—foreign bank bull down menu file, etc., and completes customer information for creating a card de so-called name, address, ID card number, settlement account PIN number, etc. And travel cards With one screw, the card issuance procedure can be easily performed.

The customer enters into a card issuance agreement and a mobile banking or internet banking agreement with the bank in which the customer's deposit account is located, so that the customer's mobile phone or personal computer can be connected to the internet. Using a so-called personal computer, a direct connection to the card issuance application device installed at the banking card card center via the Internet, and the procedure to issue all foreign currency travel card issuance. Customers can save money and improve their banking operations by completing card issuance procedures when they need it, without having to go to the bank wherever they are.

Claims

The scope of the claims

1. Interface means for exchanging signals for the card issuance procedure between the bank and the customer, and internal based on the signal input from the customer to the interface means. Processing means for automatically performing the processing and control of the above, a computer terminal display device for inputting and displaying the customer information and the card information when a request for issuing a force is received from the customer, The customer's ID number and so-called English IDENTIFICATION NUMBER abbreviation of the IDENTIFICATION NUMBER entered by the customer to apply for the issuance of the password are issued to the customer who has registered in advance! Until it confirms with the D number and password, the customer password temporary storage file for temporary storage and the entered customer ID number and password are confirmed with the registered customer ID number and password And automatically display the application form for issuing a mobile banking label card to the customer's internet-type mobile communication device or the Internet banking travel card application form for a personal computer, and at the same time, A card issuance application device, comprising: a travel card service file for automatically displaying a travel card issuance application form of a computer terminal display device.

2. In accordance with the travel card service card issuance procedure, issue a card for the uncompleted customer who has not entered the foreign bank card number in the customer card data generated by the customer signal entered. With the automatic processing and control of the processing unit on the application device side, the foreign bank card number is extracted from the card partner of the business partner foreign bank Card Sendai via the communication connection device of the business partner foreign bank card sensor Until the temporary storage file for temporary storage,

Unused foreign bank card number file for temporarily storing the used unused foreign bank card number retrieved from the above business partner foreign bank card center, and the uncompleted card file above The card issued using the uncompleted customer card data entered and the unused foreign currency card numbers entered in the above-extracted unused foreign currency card numbers file And a issued foreign bank card number file for recording and storing the customer number and the customer card data. Card issuance application device.

3. A card data base management device connected to the card issuance application device, and a card database for exchanging signals with the above-mentioned card issuance application device. Interface means, card data base management device side processing means for performing internal processing and control based on a signal input to the card database management device side interface device, and a card issuance application. The customer communication contact file that stores the e-mail address of the customer's in-net mobile communication device and personal computer registered in advance, Stores customer ID numbers and passwords of Internet-type mobile communication device customers and personal computer customers who are registered in advance. Name, address, date of birth, gender, nationality, etc. of the customer who uses the Internet-integrated mobile communication device and the personal computer that has been registered in advance to issue the card. A card database management device comprising a customer data file for storing customer information such as a passport number, a settlement account number, and a settlement account PIN.

4. Further, a travel destination country drop-down menu file containing the destination country names in alphabetical order and a foreign bank pull-down menu file containing the business partner foreign bank names in the destination country listed above in alphabetical order. The card management system according to claim 3, characterized in that:

5. Based on the completed card data, the card issuance application sends the card issuance signal to the card issuance center provided in the banking center or each store. A card issuing request signal automatic transmitting unit for automatically transmitting a signal by automatic processing and control of the device / processing means is provided in the card issuing application device following interface means. Force issuance application device described in 1 and 2.

6. In the above card issuance application device, based on the completed card data, a password issuance notification signal and an incorrect customer ID number and password non-confirmation notification signal that have been input are registered in advance. Internet-based mobile communication devices The card issuing notification signal automatic transmission section for automatically transmitting to the e-mail address of a so-called mobile phone and personal computer so-called personal computer by the processing means on the card issuance application device side is automatically applied to the above e-mail address application. 3. The force issuance application device according to claim 1, further comprising a device-side interface means.