Card issuing system, issuing method and issuing program

Abstract

To provide a card issuance system, method and program for issuing a real card through simple procedures, to a user of a digital card.SOLUTION: A card issuance system 100 includes a terminal 10, a management server 20, and a card issuance center 30. A display unit 11 of the terminal 10 displays a trigger 40 to request issuing a real card when the real card of a user has not been issued. When the user executes the trigger 40 through an operation unit 20 of the terminal 10, a card issuance processing unit 24 of the management server 20 requests the card issuance center 30 to issue the real card on the basis of user information stored in a user information storage unit 22. A card issuance processing unit 15 of the terminal 10 does not display the issuance request trigger 40 on the display unit 11 after the real card is sent to the user at the latest.SELECTED DRAWING: Figure 1

Description

[Technical Field]

[0001] The present invention relates to a technology for issuing a physical payment card. [Background technology]

[0002] Recently, the issuance of so-called digital cards, such as credit cards, debit cards, and prepaid cards, in which card information is managed on an application on a mobile information processing terminal, has become popular. Digital cards do not require the issuance of physical cards, and payment cards can be used in a cardless state. On the other hand, so-called physical cards, in which card information is written or printed on physical cards such as plastic cards, remain in demand as before. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Application Laid-Open No. 2008-305392 Summary of the Invention [Problem to be solved by the invention]

[0004] Previously, when signing up for a payment card, customers had to choose between a digital card or a physical card. If customers selected only a digital card when issuing a payment card, a physical card would not be issued. This created the problem of having to sign up for a new payment card and undergo a screening process if a physical card was needed after signing up.

[0005] The present invention has been proposed to solve the above-mentioned problems of the prior art. An object of the present invention is to provide a card issuing system, a card issuing method, and a card issuing program that enable users of digital cards to issue real cards through simple procedures. [Means for solving the problem]

[0006] In order to achieve the above object, the card issuing system according to the present invention has the following configuration.

[0007] (1) Equipped with a terminal, a management server, and a card issuing center. (2) The terminal is The terminal a display unit that displays transaction information regarding the credit card transaction and / or operation information from the user received from the management server on a screen; an operation unit that receives input of the operation information from a user; a transmitting / receiving unit that transmits and receives the transaction information and / or the operation information to and from the management server and / or the card issuing center; a credit transaction execution unit that executes credit transactions using the digital card; a card issuance processing unit that performs a process for issuing a real card; Equipped with. (3) The management server a user information storage unit that stores user information related to the user; a transmitting / receiving unit for transmitting and receiving various information between the terminal and / or the card issuing center; Equipped with. (4) The card issuing center: a transmitting / receiving unit for transmitting and receiving various information between the terminal and / or the management server; a card issuance processing unit that performs processing to issue the real card based on instructions from the terminal and / or the management server; Equipped with. (5) When the real card of the user has not yet been issued, a trigger requesting the issuance of the real card is displayed on a part of the display unit of the terminal. (6) When the user executes the trigger from the operation unit of the terminal, the card issuance processing unit of the management server requests the card issuance center to issue the real card based on the user information stored in the user information storage unit. (7) The card issuance processing unit of the terminal does not cause the display unit to display the trigger after the real card has been delivered to the user at the latest.

[0008] In the present invention, the following configuration can be adopted. (1) The card number and expiration date of the real card issued by the card issuing center are the same as the card number and expiration date of the digital card stored in the user information storage unit of the management server. (2) When the remaining period of validity of the digital card stored in the user information storage unit of the management server becomes short, the display unit displays a message indicating that the remaining period of validity of the digital card is short, and / or the trigger that enables the issuance of the real card in conjunction with the next update of the digital card is displayed. (3) When the remaining period of validity of the digital card becomes short, the trigger is erased from the display unit of the terminal. (4) The trigger is erased from the display unit of the terminal after the user executes the trigger. (5) The trigger is erased from the display unit, and until the real card is delivered to the user, a message indicating that the real card is being issued is displayed on the display unit. (6) When the user executes the trigger, the management server sends to the card issuing center a request for issuing the physical card having a creditworthiness equal to or multiplied by a predetermined percentage of the digital card assigned to the terminal, in accordance with the transaction information and / or the user information stored in the user information storage unit; The card issuing center creates the real card based on the issuance request, and sends the created real card to the user's address in accordance with the user information stored in the management server. (7) When the card issuing center confirms that the real card sent to the user's address has arrived at the user, it sends information about the arrival of the real card to the management server and / or the terminal and erases the trigger from the display unit. (8) After a predetermined period of time has elapsed since the real card was sent to the user's address, the card issuing center determines that the real card has arrived at the user, sends information about the arrival of the real card to the management server and / or the terminal, and erases the trigger from the display unit. (9) The display unit displayed on the terminal includes: When the trigger is executed, a transition screen is provided that allows the user to confirm the intention to issue the real card, display the issuance fee, select the design of the real card to be issued, and provide guidance on at least one of an ETC card, a family member card, a limited-time real card, and a limited-time credit code that are attached to the real card, and allows the user to select whether to issue the card. (10) When the trigger is executed, the management server approves the issuance of the physical card based on the transaction information and / or the user information, The result of the approval is displayed on the display unit of the terminal. (11) The card issuing center is composed of a corporate entity different from the management server that processes credit card payments using the digital card and / or the real card, and only the transaction information and / or user information and arrival information necessary for issuing the real card are exchanged between the card issuing center and the management server, or between the card issuing center and the terminal. (12) The user information storage unit of the management server stores the time and / or place of use of the digital card and the real card in credit transactions using the terminal, The credit transaction execution unit is provided with a transaction status detection unit that determines the possibility of fraudulent use of the real card based on the time of use and the location of use stored in the user information storage unit, and a real card transaction confirmation unit that approves the real card transaction based on the judgment result of the transaction status detection unit.

[0009] The card issuing method and the computer program for executing the card issuing method of the present invention have the following configuration. (1) A card issuing method for issuing a physical card for executing a credit transaction using a terminal equipped with a credit payment processing unit as a digital card, a management server, and a card issuing center, (2) Displaying the transaction information regarding the credit transaction received from the management server on the screen of the terminal. (3) Accepting input of user information from the user via the operation unit of the terminal. (4) The transaction information and / or the user information is transmitted and received between the management server and / or the card issuing center. (5) The management server stores the transaction information in a user information storage unit, and transmits and receives the transaction information and the user information. (6) The card issuing center transmits and receives the transaction information and / or the user information between the terminal and / or the management server, and performs the issuance process of the real card based on instructions from the terminal and / or the management server. (7) When the real card of the user has not yet been issued, the display unit displayed on the terminal displays a request for issuing the real card. Request View triggers. (8) When the user executes the trigger from the operation unit, the management server requests the card issuing center to issue the real card based on the user information stored in the user information storage unit. (9) At the latest, after the real card is delivered to the user, the trigger is not displayed on the display unit of the terminal. [Effects of the Invention]

[0010] According to the present invention, it is possible to provide a card issuing system, a card issuing method, and a card issuing program that enable a real card to be issued to a user of a digital card through a simple procedure. [Brief explanation of the drawings]

[0011] [Figure 1] 1 is a schematic configuration diagram of a card issuing system according to a first embodiment. [Figure 2] 4 is a flowchart showing the flow of a card issuing process in the first embodiment. [Figure 3] FIG. 2 is a schematic diagram illustrating an example of a display unit in the first embodiment. [Figure 4] FIG. 2 is a schematic diagram showing an example of a real card issuance screen in the first embodiment. [Figure 5] FIG. 10 is a schematic configuration diagram of a card issuing system according to a second embodiment. DETAILED DESCRIPTION OF THE INVENTION

[0012] [1. First embodiment] [1-1. Configuration of the first embodiment] (Overall composition) In this embodiment, a "digital card" refers to a virtual payment card that does not exist as a physical object but exists as an electronic interface, such as in an application. Figure 3 shows an example of a digital card displayed on a terminal in this embodiment. On the other hand, a "real card" refers to a real payment card that exists as a physical object, such as a plastic card.

[0013] In the following description, an embodiment will be explained using a credit card as an example of a payment card. However, the payment card may be any card that can be used to make payments other than with cash, and may include debit cards, prepaid cards, etc. Furthermore, the payment card in this embodiment includes both "digital cards" and "physical cards."

[0014] An embodiment of a card issuing system 100 of the present invention will be described in detail below with reference to the drawings. FIG. 1 is a schematic diagram of the card issuing system 100. The card issuing system 100 shown in FIG. 1 is a system that issues a physical card after issuing a digital card. The following explanation focuses on a configuration in which a user who selected only a digital card when issuing a payment card issues a physical card after signing a contract, but it also includes cases in which a user who uses both a digital card and a physical card issues a physical card when only the digital card can be used because they have not used the physical card for many years.

[0015] This card issuance system 100 includes a terminal 10, a management server 20, and a card issuance center 30, and is configured as a system capable of communicating with each other. The terminal 10, management server 20, and card issuance center 30 are so-called computers, and are equipped with an arithmetic and control unit also called an MPU or CPU, a main memory device such as RAM that has the function of storing programs and data, and an auxiliary memory device such as an HDD or SSD that is also called ROM. Various programs are stored in the auxiliary memory device. Note that in the example of FIG. 1, the terminal 10, management server 20, and card issuance center 30 are each shown as being singular, but they may be plural, or the management server 20 and card issuance center 30 may be configured as a single computer.

[0016] (Terminal) Terminal 10 comprises a display unit 11, an operation unit 12, a transmission / reception unit 13, a credit transaction execution unit 14, and a card issuance processing unit 15. Terminal 10 is generally a portable terminal such as a smartphone, tablet, or mobile PC, but in cases where portability is not required, such as when credit transactions are mainly conducted on an e-commerce site, a desktop PC can also be used.

[0017] The display unit 11 of the terminal 10 displays on its screen transaction information regarding the credit transaction and / or operation information from the user received from the management server 20. The transaction information includes not only information directly related to the transaction, such as the digital card's card number and expiration date, payment date, payment amount, usage details, account information associated with the digital card, credit limit, number of installments, information on revolving payments, and other information related to credit, but also information incidental to the transaction, such as information on the issuance of ETC and family cards, information on various points, and campaigns.

[0018] The terminal 10 includes an operation unit 12 that accepts input of operation information from a user. The operation unit 12 may be a keyboard, mouse, touch panel, voice input unit, or the like, and accepts input of operation information from a user. The operation information refers to information related to the overall operations required of a user when using a digital card and / or a physical card, such as identity verification, trigger execution, on-screen display selection (selection of card type by transition screen), issuance confirmation, and approval of transaction terms and conditions, etc. Note that the transaction information and operation information are not limited to the direct information stored in or input to the terminal 10 or the management server 20, but also include various information generated based on the transaction information and / or operation information.

[0019] The terminal 10 is equipped with a transceiver 13 that transmits and receives transaction information and / or operation information to the management server 20 and / or card issuing center 30. The transceiver 13 enables transmission and reception of various types of information, and is a network that complies with, for example, a wired communication protocol such as IEEE802.3, a wireless communication protocol defined by IEEE802.11, or other protocols, and transmits and receives information between the terminal 10, the management server 20, and the card issuing center 30 via a communication line network such as the Internet network, a LAN, or a dedicated line.

[0020] The terminal 10 is equipped with a credit card transaction execution unit 14 that acts as a digital card. The credit card transaction execution unit 14 identifies the user's account information associated with the user's digital card, generates a transaction information message including this account information, and transmits it to the financial institution's accounting system. For example, it has the function of using file transfer software for credit card messages, such as HULFT (Host Unix Linkage File Transfer), to combine transaction information including account information and generate a new credit card message.

[0021] Digital cards that can be used for credit transactions include regular credit cards, deposit-type debit cards, credit cards, and cashless cards such as prepaid cards and electronic money cards. In this embodiment, however, there are no limitations on the type of card transaction as long as it can be used as both a real card and a digital card. Therefore, the credit transaction execution unit 14 can be any card that can execute the procedures required for each type of card and can perform various functions according to the type of card.

[0022] The card issuance processing unit 15 is provided in the terminal 10 in order to issue a real card based on the digital card attached to the terminal 10. The card issuance processing unit 15 is provided with a trigger display unit 151, a trigger detection unit 152, an issuance card selection unit 153, and a card issuance request unit 154.

[0023] The trigger display unit 151 displays a trigger 40 (for example, a click button) on the screen of the display unit 11, which indicates that a real card has not been issued to the terminal 10, i.e., that a real card is ready to be issued to the terminal 10. For this reason, the trigger display unit 151 constantly monitors the user information storage unit 22 provided in the management server 20, and displays the trigger 40 on the terminal 10 unless there is a request for issuing a real card for the terminal 10 or a record of an issued card, specifically, unless there is a switching command from the trigger display switching unit 245 of the management server 20.

[0024] The trigger detection unit 152 detects that a trigger 40 displayed on the screen of the terminal 10 has been executed. For example, the trigger 40 is executed when the user performs an operation such as clicking or tapping on the trigger 40 on the screen using the operation unit 12.

[0025] The card-to-be-issued selection unit 153 is a screen that displays a new transition screen when trigger 40 is executed, allowing the user to select the physical card they wish to issue. This screen displays various cards that the system can issue as options, and the user can apply for the issuance of the desired physical card by inputting the necessary information from the operation unit 12 according to this screen. The cards that can be selected include a physical card with the exact same content as the digital card attached to the terminal 10, as well as the design of the physical card to be issued, an ETC card, a family membership card, a limited-time physical card, and a limited-time credit code that accompany the physical card. The card-to-be-issued selection unit 153 can also confirm the user's intention to issue a physical card and display the issuance fee.

[0026] A time-limited credit code does not issue a real card itself, but rather limits the period of use and / or creditworthiness, and issues a temporary card number, security code, expiration date, purpose, and code limited to the area of ​​use that are written on the real card. Since it can be used in the same way as a real card except that there is no physical card, it is included in the real card in this embodiment.

[0027] The card issuance request unit 154 requests the management server 20 to issue the card selected by the card to be issued selection unit 153 , and the issuance request is transmitted via the transmitting / receiving unit 13 .

[0028] The card issuance processing unit 15 is provided with a trigger non-display unit 155 that hides the trigger 40 from the screen of the terminal 10 when a card issuance request is made by the card issuance request unit 154, or an issuance processing guide display unit 156 that indicates that the card issuance processing is in progress. The card issuance processing unit 15 is also provided with an issuance approval display unit 157 that is displayed when the card issuance is approved by the management server 20 or the card issuance center 30.

[0029] (Management Server) The management server 20 is provided with a credit transaction execution unit 21 for executing credit transactions using digital cards and real cards, a user information storage unit 22 for storing user information regarding the user required to execute a credit transaction, and a transmission / reception unit 23 for transmitting and receiving various information between the management server 20 and the terminal 10 and / or card issuing center 30.

[0030] The credit transaction execution unit 21 executes various processes required for terminal 10 to execute a transaction using a digital card, such as displaying a screen for executing the transaction, authenticating the user from the terminal, determining the creditworthiness required to execute the credit transaction, the card expiration date, the security code, the payment method, etc. The user information storage unit 22 stores user information required for credit transactions and issuance of a physical card.

[0031] Examples of user information include the digital card number, date of issue, address, name, registered telephone number, date of birth, gender, email address, social media account, password, credit limit (creditworthiness), debit account, monthly card usage history, revolving payment or installment payment status, type of issued card, physical card issuance history, date of acceptance of issuance of the physical card, accident history, awarded points and their expiration date, etc. In particular, in this embodiment, it is preferable to store information related to the card, such as the digital card number and expiration date required to issue the physical card, the address and name for card delivery, cardholder name, security code, acceptance date of issuance of the physical card, and confirmation of delivery of the physical card. In addition to such card-related information, user information also includes operation information input by the user via the operation unit 12 of the terminal 10. Note that user information is not limited to the direct information stored or input in the management server 20, but also includes various information generated based on the user information.

[0032] The management server 20 is provided with a card issuance processing unit 24. When a user executes a trigger 40 from the operation unit 12 of the terminal 10, this card issuance processing unit 24 requests the card issuance center 30 to issue a real card based on the user information stored in the user information storage unit 22. To this end, the card issuance processing unit 24 is provided with an issuance request receiving unit 241, a user information acquiring unit 242, a card issuance approval unit 243, a card issuance request unit 244, a trigger display switching unit 245, an issuance fee determination / claim unit 246, and an issued notification receiving unit 247.

[0033] The issuance request receiving unit 241 receives a trigger execution notification from the trigger detection unit 152 of the terminal 10 and causes the card issuance processing unit 24 to start the issuance processing of a real card. The user information acquisition unit 242 acquires information stored in the user information storage unit 22, such as information on whether a real card has already been issued, whether the user is an eligible person for issuance of a real card, and whether the card type selected by the user is permitted for issuance. The card issuance approval unit 243 determines whether or not to approve the issuance of a real card based on this information from the user information acquisition unit 242. The user information acquisition unit 242 also acquires from the user information storage unit 22 information to be recorded on the real card that is necessary for the card issuance center 30 to create and send the real card to the user, as well as information such as the delivery address of the created card.

[0034] After the card issuance approval unit 243 approves the issuance of a physical card, the card issuance request unit 244 transmits a request for issuance of a physical card to the card issuance center 30 along with information necessary for issuance of the physical card. After the management server 20 approves the issuance of a physical card or after the issuance request for a physical card is sent, the trigger display switching unit 245 transmits a trigger display switching command to the terminal 10, and the terminal 10 receives the command and causes the trigger non-display unit 155 to erase the trigger 40 from the screen or displays a message indicating that the issuance of the physical card is in progress on the issuance processing notice display unit 156. After the card issuance approval unit 243 approves the issuance of a physical card, the issuance fee determination / billing unit 246 calculates an issuance fee according to the type of physical card selected, etc., and bills the credit transaction execution unit 21 of the management server 20. In this case, the issuance fee may be free of charge or may be discounted depending on the user's usage history, points, etc.

[0035] The issued notification receiving unit 247 receives a notification that delivery of the real card to the user has been completed, or a notification that a predetermined period of time has passed since the real card was sent, from the card issuance center 30. After the management server 20 receives from the issued notification receiving unit 247 that the issuance of the real card to the user has been completed, the information is stored in the user information storage unit 22 of the management server 20 and is also sent to the terminal 10, and the display on the issuance processing guidance display unit 156 is changed to "real card issued," and the trigger 40 and other displays related to the issuance of the real card are erased from the screen.

[0036] (Card Issuance Center) The card issuing center 30 includes a transmitting / receiving unit 31 that transmits and receives various information such as transaction information, operation information, user information, and arrival information to and from the terminal 10 and / or management server 20. The card issuing center 30 also includes a card issuance processing unit 32 that issues a real card based on commands from the terminal 10 and / or management server 20.

[0037] The card issuance processing unit 32 includes an issuance request receiving unit 321 that receives a request to issue a physical card from the terminal 10 and / or the management server 20, and a creation / sending unit 322 that performs processes such as printing, engraving, and magnetic stripping user information on, for example, a plastic physical card based on the card issuance request, and then sends the card to an address according to the user information. The card issuance processing unit 32 also includes a delivery confirmation unit 323 that detects whether the created physical card has been delivered to the user by registered mail or the like, or whether a predetermined period has passed since the date of shipment, and thereby confirms that the physical card has been issued to the user. The card issuance processing unit 32 also includes an issued notification unit 234 that transmits information regarding the delivery confirmation to the terminal 10 and / or the management server 20 after the delivery confirmation unit 323 confirms the delivery of the physical card.

[0038] In the process of issuing a real card, the card issuing center 30 preferably makes the card number and expiration date of the real card the same as the card number and expiration date of the digital card based on transaction information, operation information, and user information between the terminal 10 and / or management server 20.

[0039] (Trigger) The trigger 40 is displayed in a part of the display unit 11 as a display requesting the issuance of a real card when the user's real card has not yet been issued. Figure 3 shows the trigger 40 displayed on the terminal 10 of this embodiment. In Figure 3, the trigger 40 has "Plastic card issued" written in a rectangular frame, but is not limited to the example in Figure 3, and the shape, written content, and display location can be changed as appropriate.

[0040] The trigger 40 is not displayed on the display unit 11 of the terminal 10 after the card issuing center 30 has carried out the process of issuing the real card and the real card has been delivered to the user at the latest.

[0041] [1-2. Operation of the First Embodiment] 2 is a flowchart showing the flow of the card issuance process in this embodiment. First, the trigger display unit 151 of the terminal 10 displays a trigger 40, which is a request from the user for the issuance of a real card (step S01). When the user clicks or touches the trigger 40 using the operation unit 12, the trigger detection unit 152 of the terminal 10 detects the execution of the trigger 40 (step S02).

[0042] When the execution of trigger 40 is detected, an issuance card selection section 153 is displayed on the display section 11 of the terminal 10, as shown in the upper part of Fig. 4. When the pull-down menu on the right side of the display is clicked or touched, the issuance card selection section 153 displays the type and card number of one or more cards that can be issued as real cards, and the user selects and confirms the card for which they wish to issue a real card from the displayed cards (step S03). At this time, the display section 11 may also display the issuance fee for the real card and the address to which the real card should be sent.

[0043] When the user confirms the physical card they wish to issue, a card issuance request section 154 is displayed on the display section 11 of the terminal 10, as shown in the middle section of Fig. 4. In this embodiment, an oval button with the words "Apply" written on it is displayed as the card issuance request section 154. When the user clicks or touches the button, a request for issuance of a physical card is executed (step S04). After the request for issuance of a physical card is executed, a display indicating that the issuance procedure for the physical card has been completed is displayed on the display section 11 of the terminal 10, as shown in the lower section of Fig. 4.

[0044] The request for issuance of a real card from the terminal 10 is received by the issuance request receiving unit 241 of the card issuance processing unit 24 of the management server 20. Then, the user information acquisition unit 242 of the card issuance processing unit 24 in the management server 20 acquires the user information from the user information storage unit 22 and confirms the user information (step S05). If it is confirmed that there is no discrepancy between the user who made the request for approval of issuance of a real card and the user information, and that the user is a person eligible for issuance of a real card, the card issuance approval unit 243 of the management server 20 approves the issuance of the real card (step S06).

[0045] When the card issuance approval unit 243 approves the issuance of a physical card, the trigger 40 displayed on the display unit 11 is changed by the trigger non-display unit 155 of the terminal 10 (step S07). For example, the trigger display is changed from "Plastic card issued" to "Plastic card issuance procedure in progress."

[0046] The card issuance request unit 244 of the management server 20 sends a request for issuance of the physical card approved by the card issuance approval unit 243 to the card issuance center 30 together with the user information (step S08). The transmitting / receiving unit 31 of the card issuance center 30 receives the request for issuance of the physical card from the card issuance request unit 244 of the management server 20 (step S09). Upon receiving the request for issuance of the physical card, the card issuance processing unit 32 of the card issuance center 30 performs card issuance processing. Specifically, the issuance request receiving unit 321 of the card issuance processing unit 32 receives the request for issuance of the physical card. Next, the creation / sending unit 322 creates the physical card (step S10) and sends the physical card to the user's address (step S11). At this time, the card number and expiration date of the physical card issued by the card issuance center 30 shall be the same as the card number and expiration date of the digital card stored in the user information storage unit 22 of the management server 20.

[0047] When the physical card is sent to the user's address, the delivery confirmation unit 323 of the card issuing center 30 confirms whether the physical card has been delivered (step S12). The delivery confirmation of the physical card may be confirmed using various tracking services such as a postal delivery record or home delivery, or may be a receipt confirmation notice of the physical card from the user. The delivery confirmation unit 323 considers the delivery to be confirmed not only when the physical card has been delivered to the user's address, but also when delivery of the physical card to the user's address has not been confirmed but a predetermined period has passed since the delivery of the physical card. When the delivery confirmation unit 323 confirms the delivery of the physical card, the issuance notification unit 324 of the card issuing center 30 sends an issuance notification of the physical card to the management server 20 (step S13).

[0048] The issuance notification receiving unit 247 of the management server 20 receives a notification that the physical card has been issued from the issuance notification unit 324 of the card issuance center 30 (step S14). The user information storage unit 22 of the management server 20 rewrites the user information to indicate that the physical card has been issued. Once the user information storage unit 22 of the management server 20 has rewritten the user information, the transceiver unit 13 of the terminal 10 receives a notification that the physical card has been issued (step S15). After the transceiver unit 13 of the terminal 10 receives the notification that the physical card has been issued (step S16), the trigger non-display unit 155 of the terminal 10 changes the display of the trigger 40 that was displayed on the display unit 11 (step S17). Specifically, the trigger display may be erased from "Plastic card issuance procedure in progress" to "Physical card issued," or the display of the trigger 40 may be changed to "Physical card issued."

[0049] [1-3. Effects of the First Embodiment] The effects of the card issuing system 100 of this embodiment as described above are as follows.

[0050] (1) In this embodiment, when a real card has not yet been issued to a user, a trigger 40 requesting the issuance of a real card is displayed on a part of the display unit 11 of the terminal 10, and when the user executes the trigger 40 from the operation unit 12 of the terminal 10, the card issuance processing unit 24 of the management server 20 requests the card issuance center 30 to issue a real card based on the user information stored in the user information storage unit 22.

[0051] As a result, in the procedure for issuing a physical card after issuing a digital card, a physical card can be issued to the user of the digital card through a simple procedure, without the need for a new payment card contract or screening. Furthermore, while issuing a physical card incurs issuance costs for screening and other procedures, this embodiment allows the user to simply execute a trigger, and then issue a physical card using the information on the digital card as is, thereby reducing the workload and costs for the card issuing company.

[0052] (2) In this embodiment, the card number and expiration date of the physical card issued by the card issuing center 30 are the same as the card number and expiration date of the digital card stored in the user information storage unit 22 of the management server 20. This allows the user to obtain both a digital card and a physical card while maintaining the same card number, making card issuance more convenient. Also, for the card issuing company, it becomes possible to manage user information using a common card number, which reduces the workload of the card issuing company.

[0053] (3) In this embodiment, the trigger 40 is erased from the display unit 11 of the terminal 10 after the user executes the trigger 40. This prevents a user who has already requested the issuance of a real card from mistakenly requesting the issuance of a real card twice.

[0054] (4) In this embodiment, after the trigger 40 is erased from the display unit 11, a message indicating that the issuance of the real card is in progress is displayed on the display unit 11 until the real card is delivered to the user. This allows the user to recognize the status of the card issuance, making it possible to provide a more convenient card issuance system.

[0055] (5) In this embodiment, when the card issuing center 30 confirms that the real card sent to the user's address has arrived at the user, it transmits information about the arrival of the real card to the management server 20 and / or the terminal 10 and erases the trigger 40 from the display unit 11. This prevents a user whose real card has arrived from mistakenly issuing a duplicate real card, and by deleting unnecessary information from the terminal, it becomes possible to provide a service that is more in line with reality.

[0056] (6) In this embodiment, the card issuing center 30 determines that the real card has arrived at the user after a predetermined period of time has passed since it was sent to the user's address, and sends arrival information to the management server 20 and / or the terminal 10, and erases the trigger 40 from the display unit 11. This prevents a user who may have received the real card from mistakenly issuing a duplicate real card, even if arrival cannot be confirmed for some reason, and by deleting unnecessary information from the terminal 10, it becomes possible to provide a service that is more in line with reality.

[0057] (7) In this embodiment, when the trigger 40 is executed, the display unit 11 of the terminal 10 has a transition screen that allows the user to confirm the intention to issue a real card, display the issuance fee, select the design of the real card to be issued, and provide guidance on at least one of an ETC card, a family member card, a limited-time real card, and a limited-time credit code that accompany the real card, and allows the user to select which card to issue. This allows the user to issue a variety of real cards according to their wishes, making it possible to provide a wide range of services.

[0058] (8) In this embodiment, when trigger 40 is executed, management server 20 approves the issuance of a physical card based on transaction information and / or user information, and displays the approval result on the display unit 11 of the terminal. This allows the user to easily know the review result of the issuance of the physical card.

[0059] [2. Second Embodiment] The second embodiment relates to a system that detects fraudulent use of digital cards and real cards after a real card has been issued. In other words, if a credit card is used by someone other than the cardholder, it often violates the contract between the card issuer and the user. Therefore, if a digital card user creates a real card, two cards will be issued to the same user, and it is undesirable for these two cards to be used by anyone other than the cardholder. Therefore, the second embodiment restricts the use of digital cards and real cards by referencing the time and location of use, thereby improving the security of card use.

[0060] In the second embodiment, the user information storage unit 22 of the management server 20 stores the use time and / or use location of credit transactions using a digital card by the terminal 10 and credit transactions using an issued real card. The credit transaction execution unit 21 also includes a transaction status detection unit 211 that determines the possibility of fraudulent use of the real card based on the use time and use location stored in the user information storage unit 22, and a real card transaction confirmation unit 212 that approves the real card transaction based on the determination result of the transaction status detection unit 211.

[0061] Therefore, in the second embodiment, when the transaction status detection unit 211 detects that a digital card and a real card have been used at the same time or within a certain period of time, or that the cards have been used in separate locations where it is impossible for the users to be present at the same time, the transaction status detection unit 211 determines that the card has been used fraudulently and halts the use of the real card. In this case, the reason for allowing the use of the digital card is that digital cards, like smartphones, have superior functions related to identity verification, such as biometric authentication, compared to real cards, which are mainly made of plastic cards.

[0062] As described above, according to the second embodiment, even when a real card is issued in parallel with a digital card, fraudulent use of the card can be effectively prevented.

[0063] 3. Other Embodiments Although several embodiments of the present invention have been described above, they are not intended to limit the scope of the invention. As listed below, the invention can be embodied in various other forms without departing from the spirit of the invention, and various omissions, substitutions, and modifications can be made. These embodiments, combinations thereof, and further modifications thereof are included within the scope and spirit of the invention, as well as within the scope of the inventions described in the claims and their equivalents. The following are examples of embodiments encompassed by the present invention.

[0064] (1) When the remaining validity period of a digital card stored in the user information storage unit 22 of the management server 20 becomes short, the display unit 11 may display a message indicating that the remaining validity period of the digital card is short, and / or a physical card may be issued in conjunction with the next renewal of the digital card. This may solve the problem of a physical card being issued with a short remaining validity period, which may soon expire and become unusable, or the need to reissue a physical card through renewal procedures. In other words, by appropriately changing the display on the display unit 11 in accordance with the remaining validity period of the card, the user can be made aware of the remaining validity period of the digital card. Then, by issuing a physical card in conjunction with the next renewal of the digital card, a physical card with a long remaining validity period can be issued. As a result, the procedural and economic burden associated with issuing a physical card can be reduced.

[0065] (2) The trigger may be configured to be erased from the display unit 11 of the terminal when the remaining period of the validity of the digital card becomes short. This solves the problem that if a physical card with a short remaining period is issued, the validity period will soon expire and the physical card will become unusable, or the problem that a renewal procedure will require the issuance of a physical card again. In other words, by erasing the trigger 40 from the display unit 11 of the terminal 10 when the remaining period of the validity of the digital card becomes short, it is possible to reduce the procedural and economic burden associated with card issuance.

[0066] (3) When a user executes trigger 40, management server 20 may send a request to card issuing center 30 to issue a real card having a credit rating equal to or multiplied by a predetermined percentage to the digital card assigned to terminal 10, in accordance with the transaction information and / or user information stored in user information storage unit 22. Card issuing center 30 may then create a real card based on the issuance request and send the created real card to the user's address in accordance with the user information stored in management server 20.

[0067] In this way, the card issuing center 30 can issue a card using the user information stored in the management server 20, so the user can issue a card simply by executing the trigger 40, eliminating the need to fill out and send various documents that were previously required for card issuance, and making it easy to issue a real card.

[0068] (Effect corresponding to claim 12) (4) The card issuing center 30 may be configured to be a different company from the management server 20 that processes credit card payments using digital cards and / or physical cards, and only transaction information and / or user information and arrival information required for issuing a physical card may be exchanged between the card issuing center 30 and the management server 20, or between the card issuing center 30 and the terminal 10. In this way, the user information and other information provided to the card issuing center 30, which is a different company, can be limited to the minimum required for card issuance, improving safety against information leaks. [Explanation of symbols]

[0069] 100 Card Issuance System 10 devices 11 Display section 12 Control section 13 Transmitter / Receiver 14 Credit Transaction Execution Department 15 Card issuing processing unit 20 Management Server 21 Credit Transaction Execution Department 22 User information storage unit 23 Transmitter / Receiver 24 Card issuing processing unit 30 Card Issuance Center 31 Transmitter / Receiver 32 Card issuing processing unit 40 Trigger

Claims

1. In a card issuing system including a terminal, a management server, and a card issuing center, The terminal a display unit that displays transaction information regarding the credit card transaction received from the management server and / or operation information from the user on a screen; an operation unit that receives input of the operation information from a user; a transmitting / receiving unit that transmits and receives the transaction information and / or the operation information to and from the management server and / or the card issuing center; a credit transaction execution unit that executes credit transactions using the digital card; a card issuance processing unit that performs a process for issuing a real card; Equipped with The management server a user information storage unit that stores user information related to the user; a transmitting / receiving unit for transmitting and receiving various information between the terminal and / or the card issuing center; Equipped with The card issuing center a transmitting / receiving unit that transmits and receives various information between the terminal and / or the management server; a card issuance processing unit that performs processing to issue the real card based on instructions from the terminal and / or the management server; Equipped with a trigger for requesting issuance of the real card is displayed on a part of the display unit of the terminal when the real card of the user has not yet been issued; When the user executes the trigger from the operation unit of the terminal, the card issuance processing unit of the management server requests the card issuance center to issue the real card based on the user information stored in the user information storage unit, A card issuing system in which the card issuing processing unit of the terminal does not display the trigger on the display unit at the latest after the real card has been delivered to the user.

2. 2. A card issuing system as described in claim 1, wherein the card number and expiration date of the real card issued by the card issuing center are the same as the card number and expiration date of the digital card stored in the user information memory unit of the management server.

3. The card issuing system of claim 1, wherein when the remaining period until the expiration date of the digital card stored in the user information memory unit of the management server becomes short, the display unit displays a message indicating that the remaining period until the expiration date of the digital card is short, and / or the trigger that enables the issuance of the real card in conjunction with the next update of the digital card is displayed.

4. 2. The card issuing system according to claim 1, wherein the trigger is erased from the display unit of the terminal when the remaining period of the validity period of the digital card becomes short.

5. 2. The card issuing system according to claim 1, wherein the trigger is erased from the display unit of the terminal after the user executes the trigger.

6. 2. The card issuing system according to claim 1, wherein the trigger is erased from the display unit and a message indicating that the issuance process of the real card is in progress is displayed on the display unit until the real card is delivered to the user.

7. When the user executes the trigger, the management server sends to the card issuing center a request for issuance of the physical card having a credit strength equal to or multiplied by a predetermined rate to the digital card assigned to the terminal, in accordance with the transaction information and / or the user information stored in the user information storage unit; The card issuing system of claim 1, wherein the card issuing center creates the real card based on the issuance request and sends the created real card to the user's address in accordance with the user information stored in the management server.

8. The card issuing system of claim 1, wherein when the card issuing center confirms that the real card sent to the user's address has arrived at the user, it sends arrival information of the real card to the management server and / or the terminal and erases the trigger from the display unit.

9. The card issuing system of claim 1, wherein the card issuing center determines that the real card has arrived at the user after a predetermined period of time has passed since the real card was sent to the user's address, sends arrival information of the real card to the management server and / or the terminal, and erases the trigger from the display unit.

10. The display unit displayed on the terminal includes: The card issuing system of claim 1 has a transition screen that, when the trigger is executed, confirms the intention to issue the real card, displays the issuance fee, allows selection of the design of the real card to be issued, and provides information on at least one of an ETC card, a family member card, a limited-time real card, and a limited-time credit code to be attached to the real card, allowing selection of issuance.

11. When the trigger is executed, the management server approves the issuance of the physical card based on the transaction information and / or the user information, 2. The card issuing system according to claim 1, wherein the result of the approval is displayed on the display unit of the terminal.

12. The card issuing system of claim 8 or claim 9, wherein the card issuing center is composed of a corporate entity different from the management server that processes credit card payments using the digital card and / or the real card, and only the transaction information and / or the user information and the arrival information necessary for issuing the real card are exchanged between the card issuing center and the management server, or between the card issuing center and the terminal.

13. The user information storage unit of the management server stores the time and / or place of use of the digital card and the real card in credit transactions using the terminal, A card issuing system as described in any one of claims 1 to 11, wherein the credit transaction execution unit is provided with a transaction status detection unit that determines the possibility of fraudulent use of the real card based on the time of use and the location of use stored in the user information storage unit, and a real card transaction confirmation unit that approves the transaction of the real card based on the judgment result of the transaction status detection unit.

14. A card issuing method for issuing a physical card for executing credit transactions using a terminal equipped with a credit payment processing unit as a digital card, a management server, and a card issuing center, comprising: displaying transaction information regarding the credit transaction received from the management server on the screen of the terminal; Accepting input of user information from a user via an operation unit of the terminal; transmitting and receiving the transaction information and / or the user information to and from the management server and / or the card issuing center; the management server stores the transaction information in a user information storage unit, and transmits and receives the transaction information and the user information; the card issuing center transmits and receives the transaction information and / or the user information to and from the terminal and / or the management server, and performs the issuance process of the real card based on instructions from the terminal and / or the management server; When the real card of the user has not yet been issued, a trigger for requesting issuance of the real card is displayed on a display unit displayed on the terminal; When the user executes the trigger from the operation unit, the management server requests the card issuing center to issue the real card based on the user information stored in the user information storage unit, A card issuing method in which the trigger is not displayed on the display unit of the terminal at the latest after the real card has been delivered to the user.

15. A computer program that causes a computer to execute the card issuing method of claim 14.

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