JP2009122865A - Card information write system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To increase the convenience of a customer by eliminating the troublesomeness of dealing due to the increase of the number of cards by making it possible to use a portable telephone in the same way as a card to be used for transaction in an ATM. <P>SOLUTION: The image data of an account opening application form and an identification certificate read by a scanner 13 of a customer operation terminal 1 are transmitted to an operator terminal 2, and displayed at a display part to make an operator confirm it. When a password is input by the display input part of the customer operation terminal 1, the operator terminal 2 transmits the account opening application form content and the password to a host computer 5, and acquires account information from the host computer 5, and when the account information is transmitted to the customer operation terminal 1, the account information is written in the IC chip of the portable telephone of the customer by a portable reader/writer 14. <P>COPYRIGHT: (C)2009,JPO&INPIT

Description

  The present invention relates to a system for causing a customer's mobile phone to function as a card used for a transaction of a financial institution, and more particularly to a card information writing system for writing and holding card information in a storage unit of a mobile phone. is there.

For example, there is a system that issues a cash card, a loan card, and the like used in an automatic transaction apparatus (ATM) installed in a financial institution such as a bank.
As a system for issuing such a contract or a card, for example, there is an unmanned contract system disclosed in Patent Document 1, and this unmanned contract system is used for customer operation installed in a booth of a store of a trader or a convenience store. Terminal (customer operation terminal) and an operator terminal operated by an operator at the center of a financial institution.

  When issuing the card, the operator who operates the operator terminal corresponds to the customer who operates the customer operation terminal, the application form read by the reading means of the customer operation terminal, the data of the identification card, the image of the customer taken by the photographing means Are sequentially sent to the operator terminal, and after the operator confirms their contents at the operator terminal, when the PIN entered by the customer at the customer operation terminal is sent to the operator terminal, the operator will enter the PIN and account data, etc. By transmitting and registering from the operator terminal to the host and then transmitting account data and the like from the operator terminal to the customer operation terminal, the customer operation terminal notifies the customer that the contract has been completed and issues a card.

Customers can use this card to make transactions at ATMs.
A loan card can be issued in the same manner.
JP 2004-326504 A

In the conventional technology described above, a card is issued when the contract is completed. In the transaction for opening an account, a cash card is issued when the processing is completed, and a loan card is issued when the processing is completed in the transaction for the card loan application. Will do.
It is common for bank transactions to require a cash card or loan card, but from the customer's standpoint, not only will the number of cards increase and the handling will be annoying, but transactions may not be possible without bringing cards. There is a problem that it is very inconvenient.

  An object of the present invention is to solve such a problem.

  Therefore, the present invention provides a card information writing system comprising a customer operation terminal operated by a customer, an operator terminal operated by an operator, and a host device for managing card information, wherein the customer operation terminal is a mobile phone possessed by the customer Information reading and writing means for reading and writing information to and from the storage unit, and when the application for obtaining the same card information as the card used for the transaction at the financial institution is input at the customer operation terminal, the operator terminal Obtains the card information from the host device and sends it to the customer operation terminal, and the customer operation terminal writes the card information to the storage unit of the mobile phone of the customer who entered the application by the information reading / writing means. It is characterized by.

  In the present invention as described above, when the customer wishes to write the card information to the storage unit of the mobile phone, the card information is written to the storage unit of the customer's mobile phone by the information reading / writing means of the customer operation terminal, Since it can be used in the same way as a card used for transactions at a financial institution, the customer side does not feel troublesome due to an increase in the number of cards, and is provided with information reading / writing means for the storage unit of the mobile phone. With ATMs, transactions can be made simply by possessing a mobile phone that can be said to be a necessity for the general public, so that the convenience can be improved.

  Embodiments of a card information writing system according to the present invention will be described below with reference to the drawings.

FIG. 1 is a system configuration diagram showing an example of a card information writing system according to the present invention.
As shown in this figure, this card information writing system includes a customer operation terminal 1 installed in a financial institution's branch or convenience store, an operator terminal 2 provided in a remote center of the financial institution, an operation management server 3, And a gateway device 4 and a host computer (higher-level device) 5 provided in a management center of a financial institution or the like.

The customer operation terminal 1 and the operator terminal 2 are connected via a communication line such as the Internet, and the operator terminal 2, the operation management server 3 and the gateway device 4 are connected via a connection line such as a LAN, and the operation management server. 3 and the host computer 5 are connected online via a dedicated line.
Although only one customer operation terminal 1 is shown in the figure, for example, a plurality of customer operation terminals 1 installed in a certain area can be connected to the operator terminal 2 via a communication line. Further, the number of operator terminals 2 is two in the figure, but is not limited to this.

The operation management server 3 has a function of distributing and connecting to the operator terminal 2 that can respond to a connection request from the customer operation terminal 1 during the operation of the operator, and executing a contract between the customer and the operator. A contract database is provided as a contract information storage unit that stores and stores information on customers who have completed contracts.
The gateway device 4 has a function of transmitting an account opening request from the operator terminal 2 to the host computer 5, and the host computer 5 performs an account opening process of the customer in response to the account opening request transferred from the gateway device 4. It has a function of registering account information (card information) in a database (not shown) and sending account information to the operator terminal 2 via the gateway device 4.

The gateway device 4 is realized by a PC or server having a communication function, but may be a dedicated device.
FIG. 2 is a perspective view showing the customer operation terminal 1. As shown in the figure, the customer operation terminal 1 has a substantially L-shaped customer service surface at the upper front portion thereof, and a touch panel is provided on the vertical surface portion. Display input unit 11, card issuing port 12, camera, speaker, etc. (not shown), and a flat bed type certificate reading scanner 13 with a lid and a portable reader / writer (information Read / write means) 14 is provided.

Further, a form taking-in port of the application form reading scanner 15 is arranged near the boundary between the vertical surface portion and the horizontal surface portion.
The application form reading scanner 15 has a roller for taking in and discharging a form (not shown), and while holding the form inside the scanner, conveys it on the line sensor to obtain a form image such as an account opening application form. This type of scanner carries a general medium conveyance.

Further, an application form take-in box (not shown) is present at the end of the conveyance path of the application form reading scanner 15, and both are incorporated in the customer operation terminal 1.
The application form reading scanner 15 image acquired form is transported to the take-in box and stored and stored until it is collected by a staff member of the financial institution.
The application form reading scanner 15 is mainly used to obtain an image of a form stored in a financial institution without being returned to the customer. On the other hand, the certificate reading scanner 13 with a lid is a certificate or the like. It is used for documents that customers need to take home after image acquisition.

The customer operation terminal 1 is connected to the operator terminal 2 of the remote center, causes the customer to execute processing such as opening an account, and issues a transaction card (cash card, loan card, etc.) to the customer who opened the account. In addition to having a function, in this embodiment, instead of issuing a card, the mobile phone 6 of the customer has a function of writing and holding account information with the mobile reader / writer 14.
The customer's mobile phone 6 includes a non-contact type IC chip (storage unit) that stores card information and the like, and has a function of exchanging information with the mobile reader / writer 14 of the customer operation terminal 1. ing.

The operation of the embodiment having the above-described configuration will be described.
The operations of the customer operation terminal 1, operator terminal 2, operation management server 3, gateway device 4, and host computer 5 described below are programs (software) stored in storage units (not shown) provided respectively. Based on the above, control is performed by a control unit (not shown).

FIG. 3 is a flowchart showing the operation of the embodiment, and the procedure will be described in accordance with the steps indicated by S.
S1: A menu screen is displayed on the display input unit 11 of the customer operation terminal 1, and the customer selects a transaction by touching (pressing) a desired transaction on the menu screen. Here, the customer opens an account as a transaction ( The description will be made by taking as an example the case of selecting (applying) card information acquisition.

  When the customer chooses to open an account, explanations of contracts and cautions regarding the opening of the account are given by screen display by the display input unit 11 or voice from the speaker. During this time, the customer operation terminal 1 changes the telephone number of the remote center. By making a telephone call and issuing a manual connection request, the operation management server 3 in the remote center thereby connects the customer operation terminal 1 to the operator terminal 2 of the operator who can respond.

When the operator terminal 2 and the customer operation terminal 1 are connected, the operator operates the operator terminal 2 to instruct the customer operation terminal 1 to execute the account opening transaction process.
S2: The customer operation terminal 1 displays a list of branch names in neighboring areas in the financial institution on the display input unit 11 according to an instruction from the operator terminal 2, and allows the customer to select a branch where an account is opened.
Note that the method of allowing a customer to select a branch is not limited to this, and a method of displaying a character key and allowing a customer to input a character for a branch name may be used.

Subsequently, the customer operation terminal 1 captures the customer from the front by using a camera (not shown) to acquire a personal image.
The acquired customer identity image is stored in a storage unit (not shown), transmitted to the operator terminal 2, and displayed at a predetermined position on the display unit.
S3: Next, the customer operation terminal 1 acquires an image of the account opening application form.

In this case, first, a guidance screen for prompting entry of an account opening application form and setting of the application form reading scanner 15 is displayed on the display input unit 11 and a sound for guiding the operation is output from a speaker (not shown).
According to this guidance, the customer fills in the account opening application form with necessary information such as address, name, phone number, and work place as application details. There is a telephone number entry field, and if the customer wants to use his / her mobile phone 6 as an ATM transaction card, the customer enters the mobile phone number in the mobile phone number entry field.

After completing the application contents, when the customer sets the application form for opening an account in the application form reading scanner 15 and presses the set completion button in the screen displayed on the display input unit 11, the customer operation terminal 1 The image of the account opening application form is read by the application form reading scanner 15.
S4: The image of the read account opening application form is stored in the storage unit and sent to the operator terminal 2, and the image of the account opening application form is displayed on the display unit of the operator terminal 2 and the operator fills in the application form. The contents are checked.

  That is, the operator looks at the image of the account opening application form displayed on the display unit to check whether there are any mistakes or omissions in the entry contents, whether the entry qualifications are satisfied, and there are no incomplete entry contents. If the application content is normal and the application qualifications are satisfied, the operator presses the confirmation button on the display screen of the operator terminal 2 and performs confirmation input. If a mobile phone number is entered in the phone number entry field, information on the presence of the mobile phone is also entered.

Information with a mobile phone may be automatically input by obtaining a mobile phone number by machine-recognizing the mobile phone number entry field of the application form by operating a character recognition program on the operator terminal 2.
As a result, the notification of the continuation of the transaction and the information on the presence of the mobile phone are transmitted as confirmation results from the operator terminal 2 to the customer operation terminal 1, and the image of the account opening application form is displayed by a printer (not shown) connected to the operator terminal 2. Printed and saved as a copy.

In addition, if there is an error in the application content, the content, correction, and re-reading instructions are entered and sent to the customer operation terminal 1 as a confirmation result. Further, the application content does not satisfy the application qualification. In the case (for example, a minor), an input to refuse the contract application is made, and the notification is transmitted to the customer operation terminal 1.
When an instruction for correction and re-reading of the application content is sent to the customer operation terminal 1, the customer operation terminal 1 displays a message to that effect on the display input unit 11 and corrects it. When the image data is transmitted to the operator terminal 2 and a notification to decline the contract application is sent, a message to that effect is displayed on the display input unit 11 on the customer operation terminal 1 and the transaction is stopped.

When the content indicating that the transaction is continued is transmitted to the customer operation terminal 1, the customer operation terminal 1 displays a guidance screen for prompting the user to set the identification certificate on the certificate reading scanner 13 on the display input unit 11. Then, a sound for guiding the operation is output from a speaker (not shown).
S5: With this guidance, the customer sets his / her own driver's license and passport and other identification cards in the certificate reading scanner 13 and presses the set completion button on the screen displayed on the display input unit 11 to verify The identification card is read by the document reading scanner 13.

The customer confirms by looking at the image of the ID displayed on the display input unit 1, and if it is normal, presses the confirmation button on the display screen with a finger, and if the wrong document is set, presses the cancel button. Then, set the correct ID and press the set complete button to have it read again.
S6: When the confirmation button is pressed, the image of the identification card is stored in the storage unit and sent to the operator terminal 2, and the image of the identification card is displayed on the display unit of the operator terminal 2 so that the identification by the operator is performed. The document is confirmed.

This confirmation is performed, for example, by a method in which the operator looks at the customer image taken with the camera of the customer operation terminal 1 and the image of the identification card and compares them, and if it is normal, the confirmation button on the display screen is pressed. If the wrong document is set, press the reset button.
When the reset button is pressed, a reset request is transmitted from the operator terminal 2 to the customer operation terminal 1, and the customer operation terminal 1 prompts the user to set the correct identification card and press the set completion button again. Is displayed.

According to this message, when the customer sets a correct identification certificate in the certificate reading scanner 13 and presses the set completion button, the certificate reading scanner 13 performs rereading, and the image is transmitted to the operator terminal 2. ID will be confirmed.
When the identity is confirmed by the confirmation of the identification card, the confirmation input is performed, and a notification indicating that the transaction is continued is transmitted to the customer operation terminal 1 as a confirmation result and connected to the operator terminal 2 An image of an identification card is printed by a printer (not shown) and stored as a copy.

Further, when the image of the identification card is unclear and the contents to be entered and the photograph are unidentified by visual observation, the contents and a re-reading instruction are input and sent to the customer operation terminal 1 as a confirmation result.
Further, when the customer image taken with the camera of the customer operation terminal 1 and the image of the identification card are completely different, an input to refuse the contract application is made and the notification is sent to the customer operation terminal 1. Sent.

When an instruction for re-reading the ID is sent to the customer operation terminal 1, the customer operation terminal 1 displays a message to that effect on the display input unit 11, resets the ID, and re-reads. Then, when the image data is transmitted to the operator terminal 2 and a notification that the contract application is refused is sent, a message to that effect is displayed on the display input unit 11 on the customer operation terminal 1 and the transaction is stopped.
S7: When the content of the transaction continuation is transmitted to the customer operation terminal 1, the customer then sets a personal identification number.

In this case, the customer operation terminal 1 displays a screen for inputting a personal identification number when the customer uses the ATM on the display input unit 11 and outputs a voice for guiding the operation from a speaker (not shown). Thus, the customer is caused to input the personal identification number by pressing the character key on the display screen with the touch panel of the display input unit 11, and after the input, the customer presses the confirmation button on the screen to input the password. The personal identification number is stored in the storage unit, and the personal identification number is transmitted to the operator terminal 2.
S8: When the operator terminal 2 receives the password, the operator inputs the application contents entered in the account opening application form at the operator terminal 2, and the input application contents and the account opening branch name received earlier, And the password are transmitted to the gateway device 4 together with a request for opening an account.
S9: The gateway device 4 transmits the application contents, the account opening branch name, the personal identification number and the account opening request to the host computer 5.
S10: The host computer 5 performs an account opening process based on the received application contents information, the account opening branch name, and the personal identification number, and stores the account information (card information) including the account number assigned to the account to the gateway device 4. Send.
S12: The gateway device 4 transmits the received (acquired) account information to the operator terminal 2.
S13: The operator terminal 2 transmits this account information number to the customer operation terminal 1.
S14: The customer operation terminal 1 determines whether or not the account information is written on the customer's mobile phone, that is, whether or not there is a mobile phone.

The determination here is based on whether or not information with a mobile phone is sent from the operator terminal 2 when confirming the previous account opening application, and when there is no mobile phone (in the case of no mobile phone) ) Goes to S18.
S15: When there is a mobile phone, the customer operation terminal 1 determines whether or not the mobile phone 6 is brought to the customer.

For this determination, for example, a message asking whether or not the customer brings the mobile phone 6 and a screen with buttons “Yes” and “No” are displayed on the display input unit 11. , It can be performed depending on which button of “No” is touched. If the customer touches the “No” button, the process proceeds to S18 on the assumption that the customer does not bring the mobile phone 6.
S16: When the customer touches the “Yes” button, it is determined that the customer is bringing the mobile phone 6 and a screen with a message such as “Please hold the mobile phone over the mobile reader / writer” Is displayed on the display input unit 11, and when the customer holds the mobile phone 6 over the mobile reader / writer 14, the mobile phone 6 is inquired whether the storage capacity of the IC chip is saturated. If it is determined that writing is not possible, the process proceeds to S18.
S17: When the storage capacity of the IC chip is not saturated with respect to the mobile phone 6, that is, when it is determined that the account information can be written, the customer operation terminal 1 stores the account information in the IC chip of the mobile phone 6 by the mobile reader / writer 14. Write.

As a result, the customer's mobile phone 6 can be used as a transaction medium in the same manner as a card used for ATM transactions.
S18: One card is drawn out from a card storage unit (not shown) provided in the customer operation terminal 1, account information is recorded on the magnetic stripe of the card by a magnetic head (not shown), and the name of the customer is recorded by the embossing stamping unit. Is stamped as emboss data and issued to the customer from the card issuing slot 12.

It is also possible to display a card design prepared in advance at the time of card issuance on the display input unit 11 and allow the customer to select the card, and issue the card with the account information and emboss data attached to the selected card.
According to the embodiment described above, when the customer wishes to write the account information to the storage unit of the mobile phone, the account information is written to the IC chip of the customer's mobile phone with the mobile reader / writer of the customer operation terminal, Since it can be used in the same way as a card used for ATM transactions, the customer will not feel troublesome due to the increase in the number of cards. Since it is possible to conduct transactions simply by possessing a mobile phone that can be said to be a necessity for humans, an effect of increasing convenience can be obtained.

  In the embodiment described above, an account opening request from the operator terminal 2 to the host computer 5 and transmission of account information from the host computer 5 to the operator terminal 2 are performed via the gateway device 4. 2 and the host computer 5 are connected offline, the registration work from the accounting terminal (not shown) to the host computer 5 is performed.

In the above-described embodiment, an application for opening an account is made at the customer operation terminal 1, but an application can be made at the customer's mobile phone 6.
For example, in a service provided by a financial institution, it is possible to apply for opening a new account using a mobile phone using a Web site on the Internet, and the same format as the application form in the above embodiment on that Web site By applying the same application details according to the above, an application for opening an account is made to the Internet server installed in the bank service center. In that case, you may make it designate the store which opens an account.

In this case, the contents of the application form sent from the customer's mobile phone 6 to the Internet server are registered in the host computer 5 together with the telephone number of the customer's mobile phone 6 and displayed on the display input unit 11 of the customer terminal device 1. When the customer selects to open an account on the menu screen, a screen for inputting the telephone number of the customer's mobile phone 6 is displayed and the telephone number is input.
After inputting the telephone number of the mobile phone 6, the processes from S5 to S18 in FIG. 3 are executed in the same manner as in the above-described embodiment. However, in the account opening request process of S8, the input of customer information by the operator is omitted. Then, the host computer 5 transmits the telephone number of the customer's mobile phone 6, the account opening branch name, and the personal identification number together with the account opening request to the host computer 5 through the gateway device 4. The account opening process is performed by searching the contents of the application form received from the Internet server using the telephone number as an identifier.

Further, in this case, since it is assumed that the account information is written to the mobile phone 6, the processes of S14 and S15 are not necessarily required. However, the user may inadvertently forget to bring the mobile phone 6, so S14 and S15. This processing shall be left.
If the mobile phone 6 is equipped with a camera, it is also possible to use the camera to send an image of itself and an image of an identification card to the Internet server in advance to confirm the identity. As a result, the processing of S5 and S6 can be omitted, the operation becomes easier, and the processing time until the account information is written to the IC chip of the mobile phone 6 can be shortened.

In addition to this, it is possible to apply for an account opening by the customer's mobile phone 6 by the following method.
For example, the application for opening an account provided by a financial institution provided by the Internet server or the like is downloaded to the mobile phone 6, and the same content as the application for opening an account in the above embodiment is input using this application. The application contents are registered in advance in the IC chip of the mobile phone 6. At that time, it is also possible to input the store that opens the account at the same time.

  Then, an account opening application item (button) by the mobile phone 6 is provided on the menu screen displayed on the display input unit 11 of the customer terminal device 1, and the customer selects the item so that the customer can use the mobile phone 6 as a mobile reader. When it is held over the writer 14, the application content is read from the IC chip of the mobile phone 6 by the mobile reader / writer 14, and the application content is input. At that time, information indicating whether or not the mobile phone 6 has a function of writing account information is input to the customer terminal device 1 from the application of the mobile phone 6 together.

In this case, for the subsequent processing, the processing from S5 to S18 in FIG. 3 in the above-described embodiment is executed, but the customer terminal device 1 has already recognized that the customer is bringing the mobile phone 6. Therefore, the processes of S14 and S15 can be omitted.
The above explanation is an example in which the account information of the cash card is written on the IC chip of the mobile phone 6, but it can also be applied to the case of writing information on the loan card or the like in the IC chip of the mobile phone 6.

The figure which shows the system configuration | structure of an Example. The perspective view which shows the customer operation terminal in an Example Flow chart showing the operation of the embodiment

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Customer operation terminal 2 Operator terminal 3 Operation management server 4 Gateway apparatus 5 Host computer 6 Mobile phone 11 Display input part 12 Card issuing port 13 Certificate reading scanner 14 Portable reader / writer 15 Application form reading scanner

Claims (4)

In a card information writing system comprising a customer operation terminal operated by a customer, an operator terminal operated by an operator, and a host device for managing card information,
The customer operation terminal comprises information reading / writing means for reading and writing information with respect to a storage unit of a mobile phone possessed by a customer,
When the application for obtaining the same card information as the card used for the transaction at the financial institution is performed at the customer operation terminal, the operator terminal acquires the card information from the host device and sends it to the customer operation terminal.
The card information writing system, wherein the customer operation terminal writes the card information into a storage unit of a mobile phone of a customer who has input the application by the information reading / writing means. In the card information writing system according to claim 1,
The customer operation terminal includes a scanner,
Read the written application form filled with application details for card information acquisition with the scanner and send the image to the operator terminal,
The card information writing system, wherein the operator terminal transmits the entry contents of the application form to the host device and acquires the card information from the host device. In the card information writing system according to claim 1,
Enter the application details for obtaining the card information on the Internet website provided by the financial institution using the mobile phone possessed by the customer, and register the input details together with the identifier in the host device,
Transmitting the identifier input at the customer operation terminal to the operator terminal;
The card information writing system, wherein the operator terminal transmits the identifier to the host device and acquires the card information from the host device. In the card information writing system according to claim 1,
Register the application details for obtaining the card information in the storage unit of the mobile phone possessed by the customer,
The customer operation terminal transmits the application content read from the storage unit of the mobile phone by the information reading / writing means to the operator terminal,
The card information writing system, wherein the operator terminal transmits the application contents to the host device and acquires the card information from the host device.