Method, device, and program for providing payment cards

Abstract

The present invention provides a method, apparatus, and program for providing payment cards to individuals who possess virtual cards, thereby preventing the wasted validity period of physical cards. [Solution] A method for providing a payment card by a payment card providing device 12, comprising: step ST01 receiving a request to issue a real card from the terminal of a first user having a virtual card; step ST02 generating real card information, including a code, that cannot be changed by the first user, in response to the request to issue a real card, and associating the real card information with the first user; step ST07 receiving the code of the real card sent to the first user from the terminal of the first user; and activation step ST08 comparing the received code with the code included in the real card information and activating the sent real card if they match.

Description

[Technical Field]

[0001] This disclosure relates to payment card provisioning technology. [Background technology]

[0002] Credit cards, debit cards, or prepaid cards are used as payment methods to pay for goods or services. Payment cards can exist as physical cards made of plastic, or as virtual cards, which are electronic interfaces for card information. While the term "virtual card" is sometimes used to refer to a card used exclusively for online payments, meaning payments are limited to e-commerce sites, in this disclosure, it is used to refer to any card not limited to online payments. A physical card, being a card that occupies a certain physical space, is sometimes also referred to as a "physical card."

[0003] One way in which such physical or virtual cards are issued is that one card may have already been issued, and the other card may be issued later. For example, Patent Document 1 discloses a payment card provision technology for issuing a physical card when a virtual card has already been issued. Specifically, in order to quickly issue a physical card, a technology is disclosed in which multiple pieces of card information, including an expiration date, are prepared in advance as card information for the physical card, and when a request for a physical card is received from a user, one of the prepared pieces of card information is associated with that user (Claim 1 of Patent Document 1). [Prior art documents] [Patent Documents]

[0004] [Patent Document 1] Japanese Patent Publication No. 2018-152040 [Overview of the project] [Problems that the invention aims to solve]

[0005] According to the technology described in Patent Document 1, the pre-prepared card information includes the card's expiration date. This presents a problem in that the validity period of the physical card is wasted without being used by the user from the time the card information is generated until it is associated with a user.

[0006] This disclosure is made to address these issues and aims to provide a payment card provision technology for virtual cardholders that can prevent the wasted validity period of physical cards. [Means for solving the problem]

[0007] One aspect of a payment card provision method according to an embodiment of the present disclosure is a payment card provision method performed by a payment card provisioning device, which includes: receiving a request to issue a real card from the terminal of a first user having a virtual card; generating real card information, including a code, that cannot be altered by the first user, in response to the request to issue a real card, and associating the real card information with the first user; receiving a code for a real card sent to the first user from the terminal of the first user; and activating the sent real card if the received code matches a code included in the real card information. [Effects of the Invention]

[0008] According to the payment card provision technology of the embodiment of this disclosure, it is possible to provide a physical card to a person who has a virtual card while preventing the physical card's validity period from being wasted. [Brief explanation of the drawing]

[0009] [Figure 1]This diagram shows an example configuration of a payment card provisioning system. [Figure 2] This figure shows an example configuration of a payment card provisioning server and provisioning device. [Figure 3A] This diagram shows an example of the hardware configuration of a payment card dispensing device. [Figure 3B] This diagram shows an example of the hardware configuration of a payment card dispensing device. [Figure 4] This figure shows an example configuration of a payment card provisioning system, based on a modified version. [Figure 5] This is a flowchart showing how payment cards are provided. [Modes for carrying out the invention]

[0010] Various embodiments of this disclosure will be described in detail below with reference to the drawings. In the drawings, identical or similar parts are denoted by the same or similar reference numerals, and redundant descriptions of such parts are omitted. In this disclosure, the term "or" is used to mean a comprehensive OR unless otherwise stated.

[0011] <System Configuration> Referring to Figure 1, an example of the configuration of a payment card provisioning system according to an embodiment of this disclosure will be described. As shown in Figure 1, the payment card provisioning system consists of a provisioning server 1 and a terminal 2 A1 This is a system connected via a network (NW). The network (NW) is an existing telecommunications line such as the Internet. Terminal 2 A1 This refers to a smartphone or tablet or other device used by user A1 (the first user). A1 The terminal has an application installed for using a payment system that allows payments to be made using a payment card. For example, user A1 uses terminal 2 A1 By running the application installed on terminal 2, A1By displaying the virtual card on the display unit, card information such as the card number, expiration date, and code for identifying the card of the virtual card is confirmed. User A1 uses the card information of the displayed virtual card to perform shopping settlement. One aspect of the present disclosure relates to a technology for newly issuing a real card that such a user A1 uses instead of or in combination with an issued virtual card.

[0012] <Payment Card Providing Server> FIG. 2 is a payment card providing server 1 for issuing a real card in response to a request for issuing a real card from a user having an issued virtual card. As shown in FIG. 2, the providing server 1 includes a communication device 11, a providing device 12, a storage device 13, and a storage device 14. The providing server 1 may include a printing device 15 as an optional component.

[0013] (Communication Device) The communication device 11 is a device that communicates with other devices connected to a network NW such as the terminal 2 of user A1. A1 and other devices connected to the network NW.

[0014] (Providing Device) The providing device 12 is a device for performing various processes for issuing a real card. Details of the providing device 12 will be described later.

[0015] (Storage Device) The storage device 13 is a device that stores card information, which is configured by a hard disk or the like. As card information, personal information such as the user's name, account number, card number of the virtual card, expiration date, and status information are associated with each other. The personal information may include other information such as a telephone number or an email address. The status information means information indicating whether the card is valid.

[0016] When a virtual card user requests a physical card and a new physical card is issued, the card number, expiration date, and code of the issued physical card are recorded in association with that user. Here, the code refers to information used to identify the physical card, represented by numbers, symbols, or letters.

[0017] (storage device) The storage device 14 is a device consisting of a hard disk or the like that stores and stores requests for the issuance of real cards.

[0018] (Printing device) The printing device 15 is a device that prints card information onto a physical card in accordance with a printing request. In this disclosure, printing means printing numbers, letters, etc., onto a physical card, for example, by embossing. The printing device 15 may be provided by the providing server 1, or it may be provided as an external device of the providing server 1. If a request to print physical card information is received, the printing device 15 may print the physical card information onto the physical card after preparing pre-manufactured physical cards. The printing of physical card information may be done one card at a time, or multiple cards may be printed in batches. By manufacturing the physical card itself, which is the object on which the physical card information is printed, in advance, the request for rapid issuance of physical cards can be met. Therefore, by manufacturing the physical card itself, which is the object on which the physical card information is printed, in advance, and then generating and printing the physical card information to be printed after receiving a request to issue a physical card, the request for rapid issuance of physical cards can be met while preventing the physical card's validity period from being wasted.

[0019] <Providing device> The detailed configuration of the providing device 12 will be described below. As shown in Figure 2, the providing device 12 comprises a control unit 1200, a issuance request receiving unit 1201, an association unit 1202, a issuance request storage control unit 1203, a determination unit 1204, a print request generation unit 1205, a code receiving unit 1207, and an activation unit 1208.

[0020] (Control Unit) The control unit 1200 controls the overall operations of each functional unit provided in the providing device 12. Further, the control unit 1200 may perform various functions other than the functions performed by the functional units of the providing device 12 explicitly shown. For example, the control unit 1200 may output the print request generated by the print request generation unit 1205 to the printing device 15.

[0021] (Issuance Request Reception Unit) The issuance request reception unit 1201 is a functional unit that receives an issuance request for a real card from the terminal of a user having a virtual card via the communication device 11. In the example of FIG. 1, it receives an issuance request for a real card from the terminal 2 of user A1 A1 from.

[0022] As described above, user A1 already has a virtual card. The issuance of the virtual card may be performed by user A1 applying for the issuance of the virtual card after registering as a member with the providing server 1, or may be performed with the registration as a member itself as a trigger.

[0023] The membership registration can be performed, for example, by user A1 installing an application on his / her terminal 2 A1 and through the GUI displayed on the terminal 2 A1 . The membership registration may also be performed via other means such as a browser or a phone. By the membership registration of user A1, an ID for identifying user A1, personal information such as the name of user A1, and an account number are stored in the storage device 13 in association with each other. Also, by issuing a virtual card to user A1, the card number, expiration date, security code, and status information of the virtual card are stored in the storage device 13 in association with the record of user A1. User A1 can perform shopping using the card number etc. of the virtual card displayed on the terminal 2 A1 . The status information is information indicating the validity of the virtual card, and the status indicating valid or invalid is switched by the value of the flag.

[0024] User A1, who possesses such a virtual card, uses their terminal 2 A1 The system is operated to send a request for the issuance of a real card to the providing server 1.

[0025] The issuance request includes information necessary for issuing a physical card, such as the type of physical card to be issued, the name of the cardholder, the shipping address, and the PIN. The type of physical card includes, for example, whether it is an IC card or a magnetic card. Multiple card designs may be included as types of physical cards. The issuance request may include information specifying such types of physical cards.

[0026] The newly issued physical card may be used in conjunction with an existing virtual card, or it may be used in place of an existing virtual card. Therefore, a request for a physical card may include a choice between using both a virtual and a physical card, or switching from a virtual card to a physical card.

[0027] (Relationship section) The association unit 1202 is a functional unit that, in response to a real card issuance request received by the issuance request receiving unit 1201, generates real card information, including a code, that cannot be changed by the user, and associates the generated real card information with the user. The code may be independent information, or it may be a card number, expiration date, CVC code, or a combination thereof. Since the user is already linked to a specific account number, associating the real card information for a newly issued real card with the user allows the user to make payments using the real card from the balance of their existing account. In the example in Figure 1, in response to a real card issuance request from user A1, the association unit 1202 generates real card information that cannot be changed by user A1 and associates the generated real card information with user A1. The association unit 1202 stores the result of the association in the storage device 13. Note that the functions performed by the association unit may also be configured to be implemented on the user's terminal.

[0028] The association unit 1202 generates real card information that cannot be changed by the user in response to a real card issuance request. By generating real card information in response to a real card issuance request in this way, the problem of the real card's validity period being wasted, as described in Patent Document 1, can be resolved.

[0029] Furthermore, Patent Document 1 describes the pre-manufacturing of physical cards with card information, including the expiration date, printed on them (Claim 5 of the claims in Patent Document 1, paragraphs 0031 to 0032 of the specification). However, if the expiration date passes before the physical card is delivered to the user, the expired physical card becomes unusable and is discarded. Also, if the physical card is delivered to the user and the expiration date is approaching, or if the IC chip embedded in the physical card is nearing the end of its usable lifespan, requiring immediate card renewal would impair user convenience. Therefore, even before the expiration date, physical cards within their validity period are discarded. Consequently, Patent Document 1 has the problem of wasting resources related to card substrates such as plastic, and information recording media such as IC chips or magnetic materials. The technology of this disclosure generates physical card information in response to a request for physical card issuance, thus eliminating the problem of such resource waste.

[0030] The real card information generated by the association unit 1202 includes a code that uniquely identifies the real card, as well as the card number and expiration date of the real card. By assigning a uniquely identifiable code to the real card, it is possible to control whether the real card is valid or invalid. By being able to control the validity of the real card, it is possible to prevent fraudulent use of the real card in the event that it is misdelivered. In other words, by delivering the real card in an invalid state that cannot be used yet, and requiring the real card to be activated only after going through an activation procedure using a code, fraudulent use due to misdelivery can be prevented. In the real card activation procedure, the code that has been previously associated with the user and the code received from the recipient of the real card are compared, and if they match, the real card is activated.

[0031] Furthermore, the association unit 1202 performs a process to associate the generated real card information with a user. That is, it links the generated real card information to the user who made the request for the issuance of the real card. The association unit 1202 associates the real card information with a user and stores it in the storage device 13.

[0032] Furthermore, the association unit 1202 may generate the card number of the real card so that it is different from the card number of the virtual card. The association unit 1202 obtains the card number of the virtual card of the user who requested the issuance of the real card by accessing the storage device 13. The association unit 1202 generates a number different from the obtained virtual card number as the card number of the real card. As long as the card number of the real card is generated to be different from the card number of the virtual card, the method for generating the card number of the real card can be arbitrary. For example, the Luhn algorithm or any other algorithm may be used, or random numbers may be used. By making the card number of the real card and the card number of the virtual card different, it is possible to prevent fraudulent use of the real card in the event that the real card is misdelivered. That is, if the card number of the real card and the card number of the virtual card are the same, and the real card is misdelivered, the virtual card is still usable, so there is a risk that if the person who receives the real card enters the card number written on the real card, for example when shopping online, a payment will be executed. By ensuring that the card number on the physical card is different from the card number on the virtual card, the virtual card can be activated while the physical card remains unactivated during delivery, thus mitigating such risks.

[0033] (Issuance Request Storage Control Unit) The issuance request storage control unit 1203 is a functional unit that processes and stores the issuance requests for real cards that have been received. In the example in Figure 1, the issuance request storage control unit 1203 is located at user A1's terminal 2 A1The system stores real card issuance requests received from multiple user terminals (not shown), including real card issuance requests received from the system. Specifically, the issuance request storage control unit 1203 assigns an identifier to each received issuance request and stores the issuance request with the identifier in the storage device 14. The issuance request storage control unit 1203 may also store each received issuance request along with the time the issuance request was received.

[0034] (Judgment Department) The determination unit 1204 is a functional unit that determines whether or not predetermined conditions have been met. These predetermined conditions include temporal conditions or quantitative conditions. Temporal conditions refer to the passage of a predetermined period of time. The start date of the period may be determined appropriately, taking into account various circumstances, such as the time of generation of the previous real card print request, the time of the previous real card print request, the time of the previous real card printing, or the time of receiving the earliest issuance request among the unissued real card issuance requests. The length of the period may be any time, such as 24 hours, 36 hours, or 48 hours.

[0035] An example of a quantitative condition is that the number of requests to issue real cards stored in the storage device 14 has reached a predetermined number, such as 10, 20, 30, or any other number.

[0036] The determination unit 1204 may supply information to the print request generation unit 1205 indicating that predetermined conditions have been met.

[0037] (Print request generator) The print request generation unit 1205 is a functional unit that generates print requests for real card information. The print request generation unit 1205 may generate a print request for real card information each time an issuance request is received by the issuance request receiving unit 1201, or it may generate a print request when the determination unit 1204 determines that predetermined conditions have been met. When generating a print request when predetermined conditions have been met, the print request is generated targeting unprocessed issuance requests held in the storage device 14 at the time the determination result is supplied from the determination unit 1204. If the issuance request includes specification information that specifies the type of real card, the print request generation unit 1205 generates a print request that includes the specification information. The print request generation unit 1205 identifies one or more print requests to be printed and supplies the generated print request.

[0038] If the providing server 1 is equipped with a printing device 15, the control unit 1200 may output a print instruction to the printing device 15 to print based on the print request generated by the print request generation unit 1205. If the printing device 15 is provided as an external element of the providing server 1, the control unit 1200 may perform output control to send a print request via the communication device 11 to a company such as a printing company that has the printing device 15. The print request may include the delivery address for each real card to be printed.

[0039] The printing device 15 prints real card information onto the real card based on the print request generated by the print request generation unit 1205.

[0040] The physical card, on which the user's information is printed, will be delivered to the user via postal mail or courier service.

[0041] (Code receiving unit) The code receiving unit 1207 is a functional unit that receives the code entered via the user terminal by the person who received the delivered physical card, along with the user ID, via the communication device 11. The code receiving unit 1207 supplies the received user ID and code to the activation unit 1208.

[0042] (Activation section) The activation unit 1208 obtains a code from the storage device 13 that is associated with the user ID supplied by the code receiving unit 1207, compares the code supplied by the code receiving unit 1207 with the code obtained from the storage device 13, and activates the real card if they match.

[0043] When providing a payment service that allows the use of either a physical card or a virtual card, the virtual card may be deactivated at the same time as the physical card is activated. If the virtual card is deactivated, the balance of the prepaid card or the available credit limit on the credit card can be transferred from the virtual card and used with the physical card by linking the account balance to the user. On the other hand, when providing a payment service that allows the use of both physical and virtual cards, the physical card is activated while maintaining the validity of the virtual card. If the validity of the virtual card is maintained, the account balance can be linked to the user so that payments can be made from a common balance for both the virtual and physical cards. In either case, until the code is verified, the sent physical card is deactivated and the virtual card is activated. The status of the virtual card is switched by changing the value of the virtual card status information in the storage device 13.

[0044] <Hardware Configuration> Next, an example of the hardware configuration of the supply device 12 will be described with reference to Figures 3A and 3B. Each functional part of the supply device 12 is realized by a processing circuit. The processing circuit may be a dedicated processing circuit 100a as shown in Figure 3A, or a processor 100b that executes a program stored in memory 100c as shown in Figure 3B.

[0045] If the processing circuitry is a dedicated processing circuit 100a, then the dedicated processing circuit 100a may include, for example, an ASIC (application-specific integrated circuit) or an FPGA (field-programmable gate array).

[0046] When the processing circuitry is a processor 100b as a computer, the functions realized by each functional unit of the providing device 12 are described as programs, and these programs are stored in memory 100c. The processor 100b realizes the functions of each functional unit of the providing device 12 by reading and executing the programs stored in memory 100c. Examples of memory 100c include non-volatile or volatile semiconductor memories such as RAM (random access memory), ROM (read-only memory), flash memory, EPROM (erasable programmable read-only memory), and EEPROM (electrically erasable programmable read-only memory).

[0047] <Operation> Next, referring to Figure 5, we will explain the flow of operations mainly performed by the supplying device 12.

[0048] (Step ST01; Issuance Request Reception Step) In step ST01, the issuance request receiving unit 1201 receives a real card issuance request from the terminal of a user who has a virtual card. In the example in Figure 1, terminal 2 of user A1, who has a virtual card, is shown. A1 We receive a request to issue a physical card.

[0049] (Step ST02; association step) In step ST02, the association unit 1202 generates real card information, including a code, that cannot be changed by the user, in response to the real card issuance request received by the issuance request receiving unit 1201 in step ST01, and associates the generated real card information with the user. In the example in Figure 1, in response to the real card issuance request from user A1, real card information that cannot be changed by user A1 is generated, and the generated real card information is associated with user A1.

[0050] (Step ST03: Accumulation step, Step ST04: Judgment step) Steps ST03 and ST04 are optional steps and may be omitted. In step ST03, the issuance request storage control unit 1203 stores the received real card issuance request in the storage device 14.

[0051] In step ST04, the determination unit 1204 determines whether predetermined conditions have been met. These predetermined conditions include temporal or quantitative conditions. For example, the determination unit 1204 determines whether 48 hours have passed since the last real card printing request was generated. As another example, the determination unit 1204 determines whether the number of real card issuance requests stocked in the storage device 14 has reached 10.

[0052] (Step ST05; Print request generation step) In step ST05, the print request generation unit 1205 generates a print request for real card information. If steps ST03 and ST04 are omitted, the print request generation unit 1205 generates one print request for real card information each time an issuance request is received by the issuance request receiving unit 1201. If steps ST03 and ST04 are executed, the print request generation unit 1205 generates print requests for real card information in batches when the determination unit 1204 determines that predetermined conditions have been met. However, if the predetermined condition is a time-based condition and only one print request is stocked, a single print request is generated upon the fulfillment of the time-based condition.

[0053] (Step ST06; Printing Step) Step ST06 is performed by the printing device 15, either by the printing device 15 provided by the service server 1 or by an external printing device 15 of the service server 1. In step ST06, the printing device 15 prints real card information onto a real card based on the print request generated by the print request generation unit 1205. The real card on which the real card information is printed may be manufactured in advance. The real card with the real card information printed on it is delivered to the user by mail or courier.

[0054] (Step ST07; Code Reception Step) In step ST07, the code receiving unit 1207 receives the code, along with the user ID, via the communication device 11, which is entered by the person who received the delivered physical card via the user terminal.

[0055] (Step ST08; Activation Step) In step ST08, the activation unit 1208 obtains a code from the storage device 13 that is associated with the user ID supplied by the code receiving unit 1207, compares the code supplied by the code receiving unit 1207 with the code obtained from the storage device 13, and activates the real card if they match.

[0056] <Variation> The above explanation assumes that user A1, who has a virtual card, requests the issuance of a physical card. However, user A1 may also be someone who has a shared account with other users. For example, as illustrated in Figure 4, in addition to user A1 (the first user), there may be user A2 (the second user), user A1 may have a virtual card linked to the shared account (the first virtual card), and user A2 may have another virtual card linked to that shared account (the second virtual card). Here, a shared account means an account shared by multiple people, where each person's expenditures are reflected. Examples of people who use such a shared account include married couples, partners, or business partners.

[0057] (Variation Pattern 1) In a case where both user A1 and user A2 have virtual cards linked to a shared account, either user A1 or user A2 may request the issuance of a physical card from terminal 2 after the virtual card has been issued. If user A1 makes the issuance request, terminal 2 A1 Therefore, if user A2 makes an issuance request, terminal 2 A2 Request issuance from here.

[0058] When the providing device 12 receives a request to issue a physical card, it generates physical card information and associates it with user A1 or user A2.

[0059] If either user A1 or user A2 requests the issuance of a physical card for themselves only, the providing device 12 may generate one piece of physical card information and associate the generated physical card information with the user who made the physical card issuance request. For example, if user A1 makes a physical card issuance request, the providing device 12 generates one piece of physical card information and associates the generated physical card information with user A1. If user A2 makes a physical card issuance request, the providing device 12 generates one piece of physical card information and associates the generated physical card information with user A2. If the providing device 12 receives a physical card issuance request from another user who has not yet made a physical card issuance request, it generates one more piece of physical card information and associates the generated physical card information with the user who made the additional physical card issuance request.

[0060] To explain the operation in accordance with this variation pattern 1, in step ST01 (issuance request reception step), the issuance request reception unit 1201 receives requests from the first user A1, who has a first virtual card linked to a shared account, and the second user A2, who has a second virtual card, and from the terminal 2 of the first user. A1 We receive a request to issue a physical card.

[0061] In step ST02 (association step), the association unit 1202 generates first real card information containing a code that cannot be changed by either the first user A1 or the second user A2 in response to a real card issuance request, and associates the generated first real card information with the first user A1.

[0062] The information on the first physical card is printed on the first physical card and delivered to the first user, A1.

[0063] In step ST07 (code reception step), the code reception unit 1207 receives the code of the real card sent to the first user A1 from the terminal of the first user A1.

[0064] In step ST08 (activation step), the activation unit 1208 compares the received code with the code included in the first real card information, and if they match, activates the real card sent to the first user A1.

[0065] The providing device 12 is terminal 2 of the second user A2, which has a second virtual card. A2 If a separate request for the issuance of a physical card is received, the physical card will be issued and activated in the same manner as in the case of the first user A1 who possesses the first virtual card.

[0066] (Variation Pattern 2) Furthermore, if either user A1 or user A2 requests the issuance of both physical cards, the providing device 12 may generate two sets of physical card information, associate one of the two generated sets of physical card information with user A1, and associate the other with user A2. The physical card issuance request includes each user's delivery address information, and after the physical card information is printed, it is delivered to each user.

[0067] To explain the operation in accordance with this variation pattern 2, in step ST01 (issuance request reception step), the issuance requests for real cards received by the issuance request reception unit 1201 include an issuance request for a first real card used by the first user A1 and an issuance request for a second real card used by the second user A2.

[0068] In step ST02 (association step), the association unit 1202 generates and associates the first real card information, and also generates second real card information that includes a code that cannot be changed by either the first user A1 or the second user A2, and associates the second real card information with the second user A2.

[0069] In step ST07 (code reception step), the code reception unit 1207 receives the code of the real card sent to the second user A2 from the second user A2's terminal.

[0070] In step ST08 (activation step), the activation unit 1208 compares the code received from the terminal of the second user A2 with the code included in the second real card information. If they match, it activates the real card sent to the second user A2.

[0071] As an example of a variation, the explanation was given using a case where two users are linked to a shared account, but it is also acceptable for three or more users to be linked, and the process may be carried out in the same way as when two users are linked.

[0072] Furthermore, it is possible to combine embodiments, or to modify or omit each embodiment as appropriate. [Industrial applicability]

[0073] The payment card provision technology described herein can be used as a technology for issuing a physical card in response to a request from a user who already possesses a virtual card for a payment card such as a credit card, debit card, or prepaid card, when that user requests the issuance of a physical card associated with their virtual card. [Explanation of Symbols]

[0074] 1. Providing server, 2 (2 A1 , 2 A2 ) Terminal, 11 Communication device, 12 Provisioning device, 13 Storage device, 14 Storage device, 15 Printing device, 100a Processing circuit, 100b Processor, 100c Memory, 1200 Control unit, 1201 Issuance request receiving unit, 1202 Association unit, 1203 Issuance request storage control unit, 1204 Determination unit, 1205 Printing request generation unit, 1207 Code receiving unit, 1208 Activation unit.

Claims

1. A method for providing a payment card by a payment card dispensing device, The steps include receiving a request to issue a physical card from the terminal of a first user who has a virtual card, In response to the request to issue the physical card, the process involves generating physical card information, including a code, that cannot be altered by the first user, and associating the physical card information with the first user. The steps include receiving the code of the physical card sent to the first user from the terminal of the first user, If the received code is compared with the code contained in the physical card information and they match, the activation step is to activate the sent physical card. A method of providing payment cards that include [this].

2. Until the aforementioned code is verified, the sent physical card is deactivated, and the virtual card is activated. A method for providing the payment card described in claim 1.

3. The steps include storing real card issuance requests received from multiple user terminals, including a real card issuance request received from the terminal of the first user, When a predetermined period has elapsed, the process involves generating a print request for the real card information related to the stored issuance request, A method for providing a payment card according to claim 1, further comprising:

4. The steps include storing real card issuance requests received from multiple user terminals, including a real card issuance request received from the terminal of the first user, When the number of requests to issue the stocked physical cards reaches a predetermined number, the step is to generate a print request for the physical card information related to the stocked requests to issue, A method for providing a payment card according to claim 1, further comprising:

5. In response to the generated print request, the process involves printing the real card information related to the print request onto a pre-manufactured real card that does not already have card information printed on it. A method for providing a payment card according to any one of claims 3 or 4, further comprising:

6. The aforementioned request for issuance of a physical card includes designation information that specifies the type of physical card, A step of generating a print request to print the real card information on a real card of the type specified by the specified information, A method for providing a payment card according to claim 1, further comprising:

7. The card number included in the aforementioned physical card information is different from the card number of the aforementioned virtual card. A method for providing the payment card described in claim 2.

8. The virtual card and the physical card sent to the first user can be used for settlements from the balance of the same account. A method for providing the payment card described in claim 1.

9. A method for providing a payment card by a payment card dispensing device, An issuance request reception step in which, among a first user who has a first virtual card linked to a shared account and a second user who has a second virtual card, a real card issuance request is received from the terminal of the first user, In response to the request to issue the aforementioned physical card, an association step is made to generate first physical card information, including a code, that cannot be altered by the first or second user, and to associate the generated first physical card information with the first user. A code reception step in which the code of the real card sent to the first user is received from the terminal of the first user, The received code is compared with a code included in the first physical card information, and if they match, the physical card sent to the first user is activated (activation step), A method of providing payment cards that include [this].

10. The issuance request for the aforementioned physical card includes a request for the issuance of a first physical card used by the first user and a request for the issuance of a second physical card used by the second user. The association step includes generating a second real card information, including a code, that cannot be modified by the first or second user, and associating the second real card information with the second user. The code receiving step includes receiving the code of the real card sent to the second user from the second user's terminal, The activation step includes verifying the code received from the second user's terminal against the code included in the second real card information, and if they match, activating the real card sent to the second user. A method for providing the payment card described in claim 9.

11. An issuance request receiving unit receives a request to issue a real card from the terminal of a first user who has a virtual card, In response to a request to issue the aforementioned physical card, an association unit generates physical card information, including a code, that cannot be altered by the first user, and associates the physical card information with the first user. A code receiving unit that receives the code of the real card sent to the first user from the terminal of the first user, The received code is compared with the code contained in the real card information, and if they match, the activation unit activates the sent real card. A payment card dispensing device equipped with [a specific feature].

12. A function to receive a request to issue a physical card from the terminal of a first user who possesses a virtual card, A function to generate real card information, including a code, that cannot be changed by the first user, in response to a request to issue the real card, and to associate the real card information with the first user, A function to receive the code of the physical card sent to the first user from the terminal of the first user, The function includes comparing the received code with the code included in the physical card information and, if they match, activating the sent physical card. A payment card provider program that causes a computer to execute a transaction.

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