[go: up one dir, main page]

WO2002017172A1 - Dispositif de demande d'emission de carte et dispositif de gestion de base de donnees de cartes - Google Patents

Dispositif de demande d'emission de carte et dispositif de gestion de base de donnees de cartes Download PDF

Info

Publication number
WO2002017172A1
WO2002017172A1 PCT/JP2001/007200 JP0107200W WO0217172A1 WO 2002017172 A1 WO2002017172 A1 WO 2002017172A1 JP 0107200 W JP0107200 W JP 0107200W WO 0217172 A1 WO0217172 A1 WO 0217172A1
Authority
WO
WIPO (PCT)
Prior art keywords
card
customer
bank
file
issuance
Prior art date
Application number
PCT/JP2001/007200
Other languages
English (en)
Japanese (ja)
Inventor
Shuko Ukuda
Original Assignee
Shuko Ukuda
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 Shuko Ukuda filed Critical Shuko Ukuda
Priority to AU2001280113A priority Critical patent/AU2001280113A1/en
Publication of WO2002017172A1 publication Critical patent/WO2002017172A1/fr

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • 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
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • 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
    • G06Q20/355—Personalisation of cards for use

Definitions

  • the present invention relates to a card issuance application device and a card database management device.
  • 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.
  • 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 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.
  • the display device 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.
  • 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.
  • a travel card service that stores a travel card issuance application that is automatically displayed on a display device;
  • the customer completed the card issuance procedure for the time being, An unfinished customer card that has not been attached yet
  • the business partner in the bank card center An unfinished customer card data file for temporary storage until the card number is retrieved.
  • 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
  • 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,
  • 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.
  • a customer data file is provided for storing customer information such as payment account numbers and payment account PINs.
  • 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.
  • 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.
  • 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.
  • 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
  • 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.
  • 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.
  • 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).
  • 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.
  • customer 1 is a customer who has deposits and savings at the bank and has banking transactions.
  • the customer can use the mobile phone 1 M or PC 1 P of the customer 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.
  • the Domestic Bank Card Center 3 is equipped with a card issuance application device and a remote management server.
  • 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.
  • 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.
  • 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.
  • a card issuing request signal automatic transmission unit 3X for automatically transmitting a signal is provided.
  • 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 .
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • a contract for mobile banking or in-net banking is also concluded.
  • 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.
  • 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 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.
  • step M2 Select Mopile Punking from the menu list on the Mopile Punking site and press the ENTER key (step M2).
  • step M3 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).
  • step M4 Select your house bank and press the Enter key (step M4).
  • step M5 select a travel card service, Press the enter key (step M5).
  • 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.
  • 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.
  • step M6 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).
  • 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.
  • 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.
  • 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.
  • 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.
  • step M8 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).
  • 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.
  • 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).
  • 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.
  • 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.
  • step M10 enter the password in the displayed travel card password field and press the enter key.
  • 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.
  • 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.
  • step Ml 2 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).
  • 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.
  • 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).
  • 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.
  • 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).
  • 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.
  • 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 Embodiment 2
  • 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.
  • a PC card issuance application form an online banking travel card 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.
  • 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
  • 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.
  • Step P1 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).
  • step P2 select a travel card from the menu list of in-net internet banking displayed on the PC P-1 and click it (Step P2).
  • 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.
  • 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.
  • 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.
  • step P 4 the selected travel destination country is automatically input and displayed in the travel destination country field of the display device application form.
  • Step P5 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).
  • 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.
  • 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).
  • 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
  • the total settlement amount is displayed in the total settlement amount column.
  • 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.
  • 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).
  • 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.
  • 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.
  • the customer's card delivery instruction is automatically input and displayed in the field of “delivery of card application form in the display device”.
  • step P9 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.
  • 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.
  • 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).
  • step P10 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 ⁇ 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).
  • 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).
  • step P16 it sends a complete customer card using the removed foreign bank card number to the business partner foreign bank card center.
  • 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.
  • 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.
  • 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
  • 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.
  • TCS service file 3
  • 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.
  • 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.
  • 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.
  • 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.
  • 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. .
  • the force issuance application device and the card data base management device 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.
  • a so-called personal computer 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.

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention concerne un dispositif de demande d'émission de carte, permettant à un client, en cas de besoin et à partir d'un quelconque endroit, de connecter un téléphone cellulaire à Internet intégré, dénommé téléphone portatif, ou un ordinateur personnel, directement à un centre de cartes bancaires correspondant, par l'intermédiaire de l'Internet. L'invention concerne également un dispositif de gestion de base de données de cartes. Le dispositif de demande d'émission de carte est destiné à émettre une carte en fonction du signal transmis par l'intermédiaire de l'Internet, lorsqu'un client entre des données dans son téléphone portatif ou ordinateur personnel en se référant au guide de demande d'émission de carte du service de cartes de voyage, lequel guide est inclus dans le dispositif de demande d'émission de carte d'un centre de cartes bancaires. L'invention concerne également un dispositif de gestion de base de données de cartes, destiné à gérer un fichier contenant des informations préalablement enregistrées et relatives à un client, telles que le nom du client, son adresse, sa date de naissance, son sexe, son numéro d'identification, son numéro de compte de règlement et le numéro d'identification de ce compte, ainsi que son mot de passe, ce fichier contenant également un fichier menu déroulant servant à chercher et choisir le pays dans lequel le client va voyager, ainsi que le nom d'une banque collaboratrice opérant à l'étranger, de manière à exécuter efficacement la procédure d'émission de carte et la création des données de cette carte.
PCT/JP2001/007200 2000-08-24 2001-08-23 Dispositif de demande d'emission de carte et dispositif de gestion de base de donnees de cartes WO2002017172A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU2001280113A AU2001280113A1 (en) 2000-08-24 2001-08-23 Card issuance application device and card database management device

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
JP2000297582A JP2002073979A (ja) 2000-08-24 2000-08-24 カード発行申込装置及びカードデータベース管理装置
JP2000-297582 2000-08-24

Publications (1)

Publication Number Publication Date
WO2002017172A1 true WO2002017172A1 (fr) 2002-02-28

Family

ID=18779676

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/JP2001/007200 WO2002017172A1 (fr) 2000-08-24 2001-08-23 Dispositif de demande d'emission de carte et dispositif de gestion de base de donnees de cartes

Country Status (3)

Country Link
JP (1) JP2002073979A (fr)
AU (1) AU2001280113A1 (fr)
WO (1) WO2002017172A1 (fr)

Families Citing this family (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2019075065A (ja) * 2017-10-18 2019-05-16 聡子 荻原 ネットバンクの読みとり機

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1995012169A1 (fr) * 1993-10-25 1995-05-04 Visa International Service Association Procede et appareil de distribution d'argent
WO1997015893A1 (fr) * 1995-10-26 1997-05-01 Shuko Ukuda Appareil et systeme de gestion de numeros de carte
WO1999018549A2 (fr) * 1997-10-02 1999-04-15 Novogrod John C Systeme et procede de demande et de distribution d'effets de commerce

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1995012169A1 (fr) * 1993-10-25 1995-05-04 Visa International Service Association Procede et appareil de distribution d'argent
WO1997015893A1 (fr) * 1995-10-26 1997-05-01 Shuko Ukuda Appareil et systeme de gestion de numeros de carte
WO1999018549A2 (fr) * 1997-10-02 1999-04-15 Novogrod John C Systeme et procede de demande et de distribution d'effets de commerce

Non-Patent Citations (2)

* Cited by examiner, † Cited by third party
Title
BUSINESS WIRE, 6 October 1999 (1999-10-06) *
DATABASE BUSINESS WIRE [online] ANONYMOUS: "Chase introduces first online service for overnight delivery of foreign currency", XP001055090, accession no. Dialog Database accession no. 00115240 *

Also Published As

Publication number Publication date
AU2001280113A1 (en) 2002-03-04
JP2002073979A (ja) 2002-03-12

Similar Documents

Publication Publication Date Title
US8494957B2 (en) Method and apparatus for restaurant payment system
US6845906B2 (en) System and method for selecting financial services
US20160132884A1 (en) Real-time payments through financial institution
US7698220B2 (en) Virtual terminal for payment processing
JP4992251B2 (ja) 自動取引システム
US20100268648A1 (en) Methods and systems for using an interface and protocol extensions to perform a financial transaction
US20040122752A1 (en) System and method for time and attendance record keeping
WO2010111661A1 (fr) Procédés et systèmes pour effectuer une transaction financière
WO2004012062A2 (fr) Systemes et procedes de calcul de prestations
CN102542501A (zh) 银行业务联机处理方法、记录介质、以及移动终端
HK1243815A1 (zh) 将一用户与多个服务提供商进行认证的方法及系统
JP2021033624A (ja) ペーパーレス請求明細管理システム、方法およびプログラム
KR20030019940A (ko) 전화기통장과 전화번호계좌
US7287005B1 (en) Method for supplementing descriptors for online banking transaction statements
WO2009140731A1 (fr) Système et procédé pour faciliter une transaction de paiement
KR100875246B1 (ko) 대출정보 제공 시스템
JP2001250074A (ja) 入金確認システム、企業センタ、支払受付装置及び入金確認方法
WO2003067488A1 (fr) Procede de reglement a l'aide d'un terminal de communication mobile
WO2002017172A1 (fr) Dispositif de demande d'emission de carte et dispositif de gestion de base de donnees de cartes
JP7419441B2 (ja) 決済システム、決済方法、及びプログラム
WO2003083758A1 (fr) Solution de gestion financiere personnelle
JP4439274B2 (ja) 端末装置、入出金処理方法、およびコンピュータプログラム
KR100823027B1 (ko) 결제처리 방법 및 시스템
JP2004302508A (ja) 科目機能内蔵決済端末装置およびそれを用いた決済システム
JP2001134703A (ja) 支払システム、金融機関センタ、支払先サーバ及び記録媒体

Legal Events

Date Code Title Description
AK Designated states

Kind code of ref document: A1

Designated state(s): AU CN GB US

AL Designated countries for regional patents

Kind code of ref document: A1

Designated state(s): AT BE CH CY DE DK ES FI FR GB GR IE IT LU MC NL PT SE TR

121 Ep: the epo has been informed by wipo that ep was designated in this application
DFPE Request for preliminary examination filed prior to expiration of 19th month from priority date (pct application filed before 20040101)
122 Ep: pct application non-entry in european phase