JPH0723035B2 - credit card - Google Patents

Description

TECHNICAL FIELD The present invention relates to an improvement of a credit card.

In particular, the credit card of the present invention relates to a credit card issued immediately by a credit card issuer (hereinafter referred to as an immediate issue card).

Immediate issuance cards are tentatively issued until the formal credit card (hereinafter referred to as this card) is issued, but other than that, immediate issuance cards are the subsequent issuance of this card. Those that are not accompanied by or that are issued after this card is issued are included.

In the case where the card is issued through a credit company, for example, the credit company issues a credit check on the customer based on a card issuance contract between the credit company and the customer. When this card is issued to a customer, the customer becomes a member of the credit company, and the member can shop with the card at all member stores of the credit company or member stores designated by the credit company.

On the other hand, the immediate issuance card of the present invention is mainly issued to the customer who is not yet a member immediately by the credit card issuer as being temporarily usable until the issuance of this card, As a general rule, it can be used at all member stores or member stores designated by credit companies.

(Prior Art) Conventionally, when issuing a credit card to a customer, for example, a credit card is issued through a credit company, the customer fills in an application form prepared by the credit company with predetermined contents, and then the application form It was issued to customers after a credit check was conducted by a credit company.

Therefore, it took about one month from contract to issuance, and the customer could not use it immediately after applying for a credit card.

In order to solve such inconvenience of credit card,
The immediate issuance card as described above is already used.

When a customer requests the issuance of an immediate issuance card, the customer fills out the application form for issuing the card and issues it after the issuer confirms that he is the customer himself with a license. At that time, the valid usage period and the like in which the customer can effectively use the card are recorded on the card by a recording device or the like. Furthermore, the customer can use the card by recording the password selected by the customer on the card or by the customer signing the surface of the card.

(Problems to be Solved by the Invention) As described above, in the conventional immediate issuance card, the effective period of use is recorded at the time of issuance, so that the customer can use the card only within that period.

Therefore, even if a situation in which a customer abuses occurs, the use period is limited, and the risk can be reduced. In other words, recording the effective period of use is useful for preventing abuse by customers.

However, the immediate issuance card is one-handed if just preventing abuse by customers, and if the card issuer, such as a member store, is outsourced, the risk of unauthorized issuance by the member store must also be prevented. . With conventional cards, if the issuer or a third party has stolen or lost the pre-issued card, the issuable period is not limited. The risk of the card being used continues until the stolen or lost card is recovered, and it was necessary to strictly manage the inventory of the card before it was issued.

It is an object of the present invention to minimize the fraudulent issuance of a card that occurs when the card is stolen or lost before being issued.

(Means for Solving the Problem) According to the configuration of the present invention, a credit card supplier supplies a credit card issuer (a person who issues a credit card to a customer), and the card issuer supplies the customer with the credit card. When a credit card is issued by a credit card, certain items are recorded on the card by a recording device, and the customer who receives the credit card issue from the card issuer A credit card that is used after confirming the validity of the card, including the predetermined items recorded by the seller at the time of issuing the card, each time the service is provided by the seller. Is characterized by the expiration date for which the card issuer can issue credit cards to customers. It

(Embodiment) Next, an embodiment of the present invention will be described in which a credit card supplier is a credit company and a credit card issuance is entrusted to a member store.

The instant issue card of the present invention is manufactured by a card manufacturer and delivered to a credit company. At that time, the character string is printed on the surface of the card, and at the same time, is magnetically recorded on the card. The recording method is not limited to magnetism, and other methods that cannot be visually observed, such as an optical or electronic recording method, can be used. What is printed or recorded is not limited to numbers, and other characters such as the alphabet can be used in katakana.

A part of the recorded character string is uniquely attached to each card and serves as a membership number. Cards with the same membership number do not coexist. In addition to the above, the card also records the code of the member store where the card is used, the customer's usage limit, and other items that are not unique to the card. The record of the maximum usage amount is effective for preventing the abuse of customers, but there are some that do not have the maximum usage amount.

The present invention is further characterized in that the issuance expiration date, which allows the member store to issue the immediate issuance card to the customer, is printed on the surface and magnetically recorded.

(Operation) The immediate issue card is supplied to each member store after being delivered to the credit company. When delivered to a credit company, the expiration date of the card is displayed and recorded on the card.

When a customer requests the issuance of an immediate issuance card at a member store, fill out the necessary items on the application form and confirm that the member store clerk is the customer himself with a license etc. Report to the company on the spot. After the credit company conducts a credit check on the basis of the report, the credit company gives an approval number meaning that the immediate issuance card can be issued. The approval number is unique to the membership number. For example, if the membership number is a 12-digit number, the lower 1 of each number obtained by performing a certain operation on each of the 12 numbers. The new digit number will be the approval number. Without this number, an immediate issue card will have no effect. Therefore, since the credit card company is restricted in issuing the card, it is possible to prevent illegal issuance, and it is possible to entrust the card issuing business to the member store. The approval number determined by the credit company is recorded by the member store by the magnetic recording device installed in each member store. At that time, the code number selected by the customer, the expiration date of use of the customer from the date when this card is issued to the customer at the member store, and the like are recorded.

When recording these contents, the recording device reads the issuance expiration date already recorded on the card, and issues a non-issueable response to the card for which the issuance expiration date has passed.

A customer who has been issued a valid immediate issuance card can thereafter use the card at the member store. When the customer uses the card issued immediately at the member store, after shopping, the card is inserted into the card reading device (terminal) installed at the member store, and the clerk uses the amount of money, the usage method, and the product category. After inputting etc., the customer inputs the personal identification number with the key. The terminal determines whether the authorization number matches the unique number derived from the membership number, and determines whether the card is a legitimately issued card. Furthermore, whether or not to accept the use of the card by judging whether the card is being used by a legitimate person based on the personal identification number, whether the amount of money used has exceeded the limit of usage, and whether the card has expired The terminal issues the instruction.

(Effect) The present invention is configured as described above, and the card has recorded therein an expiration date during which the card issuer can issue the credit card to the customer. Cards that have not been issued before the issuance expiration date cannot be issued.

If the card is stolen before it is legitimately issued to the customer, loses it, or tries to record the necessary information on the card improperly, it can be recorded and used only on the card. It is limited to the issuance expiration date recorded in advance, and if the expiration date has passed, the issuance invalidation process has already been performed on the card. As a result, improper card issuance that occurs when the card is stolen or lost before issuance is time-limited, and damage is minimized.

Therefore, even if the card supplier is stolen or lost before the card is legally issued, the card supplier only has to bear the risk of unauthorized issuance of the card by a third party within the issuance expiration date. Conventionally, if a card before issuance is stolen or lost, the card is permanently in danger. Therefore, the present invention can provide a card with extremely high security against theft or loss.

Claims (1)

[Claims] 1. A recording device which is supplied from a credit card supplier to a credit card issuer (a person who issues a credit card to a customer), and when the card issuer issues a credit card to the customer. Every time the customer who records the prescribed items on the card by the card issuer and receives the credit card issued by the card issuer receives the product or service from the seller (the person who provides the customer with the product or service) Is a credit card used after confirming the validity of the card, including the predetermined items recorded when the card is issued by the card reading device, and the card issuer Credit card characterized by recording the expiration date for issuing a credit card