JP7777296B2 - Card issuing system, issuing method and issuing program - Google Patents

Description

The present invention relates to technology for issuing physical payment cards.

Recently, the issuance of so-called digital cards, such as credit cards, debit cards, and prepaid cards, where 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, there is still demand for so-called physical cards, where card information is written or printed on physical cards such as plastic cards.

Japanese Patent Application Laid-Open No. 2008-305392

Previously, when signing up for a payment card, you had to choose between a digital card or a physical card. If you only selected 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 you needed a physical card after signing up.

The present invention has been proposed to solve the problems of the prior art described above. The object of the present invention is to provide a card issuing system, card issuing method, and card issuing program that allows users of digital cards to issue real cards through simple procedures.

To achieve the above objective, the card issuing system of the present invention has the following configuration.

(1) Equipped with a terminal, a management server, and a card issuing center.
(2) The terminal
The terminal
a display unit that displays transaction information regarding the credit 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 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.
(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 display the trigger on the display unit at the latest after the real card has been delivered to the user.

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 time-limited real card, and a time-limited credit code that are to be 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.

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, a trigger requesting the issuance of the real card is displayed on the display unit displayed on the terminal.
(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) After the real card is delivered to the user at the latest, the trigger is not displayed on the display unit of the terminal.

The present invention provides a card issuing system, card issuing method, and card issuing program that enable users of digital cards to issue real cards through simple procedures.

1 is a schematic configuration diagram of a card issuing system according to a first embodiment. 10 is a flowchart showing the flow of a card issuing process in the first embodiment. FIG. 2 is a schematic diagram illustrating an example of a display unit according to the first embodiment. FIG. 10 is a schematic diagram showing an example of a real card issuance screen in the first embodiment. FIG. 10 is a schematic configuration diagram of a card issuing system according to a second embodiment.

[1. First embodiment]
[1-1. Configuration of the first embodiment]
(Overall structure)
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 on an application, etc. 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.

In the following explanation, an embodiment will be described using a credit card as an example of a payment card. However, a payment card may be any card that can be used to make payments without using cash, and may include debit cards, prepaid cards, etc. Furthermore, the payment card in this embodiment includes both "digital cards" and "physical cards."

An embodiment of the card issuing system 100 of the present invention will be described in detail below with reference to the drawings. Figure 1 is a schematic diagram of the card issuing system 100. The card issuing system 100 shown in Figure 1 is a system that issues a physical card after issuing a digital card. Note that 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 digital and physical cards issues a physical card when only the digital card is usable because they have not used the physical card for many years.

This card issuance system 100 includes a terminal 10, a management server 20, and a card issuance center 30, and is composed of systems 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 device also known as 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 also known as ROM, such as an HDD or SSD. Various programs are stored in the auxiliary memory device. Note that in the example of Figure 1, the terminal 10, management server 20, and card issuance center 30 are each shown as being singular, but they may be multiple, or the management server 20 and card issuance center 30 may be composed of a single computer.

(Terminal)
The terminal 10 includes 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. The 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 EC site, a desktop PC or the like can also be used.

The display unit 11 of the terminal 10 displays on its screen transaction information regarding credit transactions 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, revolving payment, and other credit-related information, but also information incidental to the transaction, such as information regarding the issuance of ETC and family cards, information regarding various points, and campaigns.

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

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 issuance center 30. The transceiver 13 enables the transmission and reception of various types of information, and is a network compliant 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, management server 20, and card issuance center 30 via a communication line network such as the Internet network, a LAN, or a dedicated line.

The terminal 10 is equipped with a credit transaction execution unit 14 that functions as a digital card. The credit 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 synthesize transaction information including account information and generate a new credit card message.

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. However, in this embodiment, there are no restrictions 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 anything that can execute the procedures required for each type of card and can perform various functions according to the type of card.

The card issuance processing unit 15 is provided in the terminal 10 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.

The trigger display unit 151 displays a trigger 40 (e.g., a click button) on the screen of the display unit 11, indicating that a real card has not been issued to the terminal 10, i.e., that the terminal 10 is ready to issue a real card. 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 the terminal 10 having been issued, specifically unless there is a switching command from the trigger display switching unit 245 of the management server 20.

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.

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 a variety of cards that the system can issue as options, and the user can apply for the issuance of the desired physical card by following this screen and inputting the necessary information from the operation unit 12. 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 to accompany the physical card, a family member card, a limited-time physical card, and a limited-time credit code. The card-to-be-issued selection unit 153 can also confirm the intention to issue a physical card and display the issuance fee.

A limited-time 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 area-specific code to be printed 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 definition of a real card in this embodiment.

The card issuance request unit 154 requests the management server 20 to issue the card selected by the issuance card selection unit 153, and the issuance request is sent via the transmission/reception unit 13.

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 notification display unit 156 that indicates that the card issuance process 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.

(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 credit transactions, 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.

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

User information includes, for example, the digital card number, date of issue, address, name, registered phone number, date of birth, gender, email address, SNS 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 for issuance of the physical card, accident history, awarded points and their expiration date, etc. In particular, in this embodiment, it is preferable to store card-related information such as the digital card number and expiration date required for issuing a physical card, the address and name for card delivery, cardholder name, security code, acceptance date for issuance of the physical card, and confirmation of delivery of the physical card. In addition to such card-related information, user information also includes operational information entered by the user via the operation unit 12 of the terminal 10. User information is not limited to the direct information stored or entered in the management server 20, but also includes various information generated based on the user information.

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 acquisition unit 242, a card issuance approval unit 243, a card issuance request unit 244, a trigger display switching unit 245, an issuance fee determination and billing unit 246, and an issued notification receiving unit 247.

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 process of issuing a real card. The user information acquisition unit 242 acquires information stored in the user information storage unit 22, such as whether a real card has already been issued, whether the user is eligible to be issued a real card, and whether the card type selected by the user is authorized for issuance. The card issuance approval unit 243 determines whether 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, which 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 for the created card.

After the card issuance approval unit 243 approves the issuance of a real card, the card issuance request unit 244 sends a request to the card issuance center 30 to issue a real card along with the information necessary for issuance of the real card. After the management server 20 approves the issuance of a real card or after sending a request to issue a real card, the trigger display switching unit 245 sends a trigger display switching command to the terminal 10. The terminal 10 receives this command and causes the trigger non-display unit 155 to erase the trigger 40 from the screen or displays a message on the issuance processing notification display unit 156 indicating that the real card is being issued. After the card issuance approval unit 243 approves the issuance of a real card, the issuance fee determination and billing unit 246 calculates an issuance fee based on the type of real 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 discounted depending on the user's usage history, points, etc.

The issued notification receiving unit 247 receives notification from the card issuance center 30 that delivery of the real card to the user has been completed, or that a predetermined period of time has passed since the real card was sent. 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, that 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 information 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.

(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 between the terminal 10 and/or the management server 20. The card issuing center 30 also includes a card issuance processing unit 32 that issues a real card based on instructions from the terminal 10 and/or the management server 20.

The card issuance processing unit 32 has an issuance request receiving unit 321 that receives a request to issue a real card from the terminal 10 and/or management server 20, and a creation and sending unit 322 that processes, for example, a plastic real card based on the card issuance request, by printing, engraving, magnetically converting, or other processing, and then sending the card to an address according to the user information. The card issuance processing unit 32 has a delivery confirmation unit 323 that detects whether the created real 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 confirms that the real card has been issued to the user. The card issuance processing unit 32 has an issued notification unit 234 that sends information regarding the delivery confirmation to the terminal 10 and/or management server 20 after the delivery of the real card has been confirmed by the delivery confirmation unit 323.

During the process of issuing a real card, the card issuing center 30 preferably matches the card number and expiration date of the real card with 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.

(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 has not yet been issued a real card. 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.

The trigger 40 will not be displayed on the display unit 11 of the terminal 10 after the real card issuance process has been carried out by the card issuing center 30 and the real card has been delivered to the user at the latest.

[1-2. Operation of the First Embodiment]
2 is a flowchart showing the flow of the card issuance process in this embodiment. First, a trigger 40, which is a request for the issuance of a real card by the user, is displayed on the trigger display unit 151 of the terminal 10 (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).

When the execution of trigger 40 is detected, as shown in the upper part of Figure 4, an issuance card selection section 153 is displayed on the display unit 11 of the terminal 10. 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 unit 11 may also display the issuance fee for the real card and the address to which the real card should be sent.

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 Figure 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 made (step S04). After the request for issuance of a physical card has been made, a message 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 bottom section of Figure 4.

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 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 real card issuance approval request 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).

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."

The card issuance request unit 244 of the management server 20 sends a request for issuance of the real card approved by the card issuance approval unit 243 to the card issuance center 30, along with user information (step S08). The transceiver unit 31 of the card issuance center 30 receives the real card issuance request from the card issuance request unit 244 of the management server 20 (step S09). Upon receiving the real card issuance request, the card issuance processing unit 32 of the card issuance center 30 performs the card issuance process. Specifically, the issuance request receiving unit 321 of the card issuance processing unit 32 receives the real card issuance request. Next, the creation and sending unit 322 creates the real card (step S10) and sends the real card to the user's address (step S11). At this time, the card number and expiration date of the real 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.

Once the physical card has been 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). Delivery of the physical card can be confirmed using various tracking services, such as postal delivery records or home delivery, or by a receipt confirmation notice from the user confirming receipt of the physical card. The delivery confirmation unit 323 considers delivery to have been 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 of time has passed since the physical card was sent. Once the delivery confirmation unit 323 confirms delivery of the physical card, the issuance notification unit 324 of the card issuing center 30 sends a notification of issuance of the physical card to the management server 20 (step S13).

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 displayed on the display unit 11 (step S17). Specifically, the trigger display changes from "Plastic card issuance procedure in progress" to erasing the trigger itself, or the display of the trigger 40 changes to "Physical card issued."

[1-3. Effects of the first embodiment]
The card issuing system 100 of this embodiment has the following advantages.

(1) In this embodiment, when a real card has not yet been issued to the user, a trigger 40 requesting the issuance of a real card is displayed on a portion 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.

As a result, when 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, reducing the workload and costs for the card issuing company.

(2) In this embodiment, the card number and expiration date of the physical card issued by the card issuance 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. In addition, card issuing companies can manage user information using a common card number, which reduces the workload on the card issuing company.

(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.

(4) In this embodiment, after the trigger 40 is removed 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.

(5) In this embodiment, when the card issuance center 30 confirms that the real card sent to the user's address has arrived at the user, it sends real card arrival information to the management server 20 and/or 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.

(6) In this embodiment, the card issuing center 30 determines that a real card has arrived at the user after a predetermined period of time has passed since it was sent to the user's address, sends arrival information to the management server 20 and/or 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.

(7) In this embodiment, when trigger 40 is executed, the display unit 11 of the terminal 10 has a transition screen that allows the user to confirm their 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 to accompany the real card, and allows them to select whether to issue the card. 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.

(8) In this embodiment, when trigger 40 is executed, the management server 20 approves the issuance of a real card based on the 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 for the issuance of a real card.

[2. Second embodiment]
The second embodiment relates to a system for determining whether a digital card and a real card have been fraudulently used after the 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.

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 via 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 a 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 real card transactions based on the determination result of the transaction status detection unit 211.

For this reason, 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 they have been used in separate locations where it is not possible 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 digital cards are permitted to be used is because digital cards, like smartphones, have superior identity verification functions such as biometric authentication compared to real cards, which are primarily made of plastic cards.

In this way, according to the second embodiment, fraudulent use of cards can be effectively prevented even when a physical card is issued in parallel with a digital card.

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.

(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 solves the problem that, if a physical card with a short remaining validity period is issued, the physical card may soon expire and become unusable, or the user may have to go through the renewal procedure to issue a physical card again. In other words, by appropriately changing the display on the display unit 11 to match the remaining validity period of the card, it is possible to make the user 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, it becomes possible to issue a physical card with a long remaining validity period. As a result, it is possible to reduce the procedural and financial burden associated with issuing a physical card.

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

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

In this way, the card issuance center 30 can issue cards using the user information stored in the management server 20, allowing the user to issue a card simply by executing the trigger 40. This eliminates the need to fill out and send the various documents required for conventional card issuance, making it easy to issue a real card.

(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.

100 Card issuing system 10 Terminal 11 Display unit 12 Operation unit 13 Transmitting/receiving unit 14 Credit transaction execution unit 15 Card issuance processing unit 20 Management server 21 Credit transaction execution unit 22 User information storage unit 23 Transmitting/receiving unit 24 Card issuance processing unit 30 Card issuance center 31 Transmitting/receiving unit 32 Card issuance processing unit 40 Trigger

Claims (15)

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. 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. 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 storage 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 physical card in conjunction with the next update of the digital card is displayed. The card issuing system of claim 1, wherein the trigger is erased from the display of the terminal when the remaining period until the expiration date of the digital card becomes short. The card issuing system of claim 1, wherein the trigger is erased from the display of the terminal after the user executes the trigger. The card issuing system of claim 1, wherein the trigger is removed from the display unit and a message indicating that the real card is being issued is displayed on the display unit until the real card is delivered to the user. 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. 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. 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 information indicating that the real card has arrived to the management server and/or the terminal, and erases the trigger from the display unit. 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. 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. 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 . 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. 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 issuing 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. A computer program that causes a computer to execute the card issuing method of claim 14.