JPH0780385B2 - How to use a credit card - Google Patents

Description

Description: TECHNICAL FIELD The present invention relates to a method of using a credit card for preventing unauthorized issuance or use.

The credit card of the present invention relates to a credit card issued immediately by a credit card issuer at the store (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 to 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 that member is all the member stores of the credit company,
Alternatively, you can shop with the card at a member store designated by the credit sales company.

(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 takes about one month from application to issuance, and the customer cannot use the credit card immediately after applying.

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

However, as a general rule, conventional immediate issuance cards are issued at the main branch office of the credit sales company in order to prevent unauthorized issuance and card inventory management, etc. It required the attendance of personnel. And first under the presence of check personnel
The customer's personal identification number can be recorded on the card with the text string (usually called a membership number), or if the customer signs on the card surface, the card can be used immediately from that time. It was

In addition, when a person who is not a credit card member uses a credit company to make purchases by credit card without using a card, each time he / she fills in the necessary information on the installment sales contract, he / she enters the credit company. I asked for a review and the credit company was doing the review.

Furthermore, when a company that provides products, services, etc. to its customers issues a credit card (hereinafter referred to as a self-issued card) issued at its own store, which is valid only at its own store, The company's employees needed personnel to prevent fraudulent issuance and manage card inventory.

(Problems to be Solved by the Invention) As described above, the conventional immediate issuance of a credit card requires the attendance of a check staff member of a credit sales company, etc., so that there is a limitation on the number of personnel and the issuing point of the immediate issuance card is easy. There was a drawback that it could not be enlarged.

Also, when making an installment sales contract each time you buy without using a card, for example, when you buy furniture on one floor of a department store and purchase electric appliances on another floor again, It was necessary to prepare a contract for each shopping, which took time and effort. In order to eliminate such drawbacks, an employee of the credit company is sent to each member store in advance, and the contract made by the customer at the time of the first shopping is credit-checked on the spot by the employee of the credit company. All you have to do is issue your credit card immediately. However, it is not possible for a credit company to send employees to each member store.
Since the huge labor cost is required, the issuing window cannot be easily expanded. Further, entrusting the issuance of a credit card to each member store without dispatching an employee naturally causes problems of the illegal issuance of the credit card at the member store and the illegal use when the member store is stolen or lost.

Furthermore, in the case of self-issued cards, it is necessary to assign check personnel who are employees of the company to each store, but it is not easy to assign personnel to small stores due to personnel expenses etc. .

The present invention is a novel method of using a credit card that has been devised to eliminate such drawbacks of conventional credit cards.

(Means for Solving the Problems) The present invention provides a credit that a credit card supplier supplies to a credit card issuer (a person who issues a credit card to a customer), and the credit card issuer issues the credit to the customer. A method of using a card, wherein the credit card supplier supplies the credit card issuer with the first character string unique to the card, and then the credit card issuer uses the credit card as a customer. The second character as a unique character for the first character string is issued by the credit card supplier regardless of the intentions of the credit card issuer and the customer, based on the notification from the credit card issuer. Determine the row and the credit card issuer will use this first provided by the credit card provider. The character string of 2 is recorded on a credit card by a recording device and issued to a customer.

(Example) Next, an example of the present invention will be described in the case where a credit card is issued through a credit sales company (a credit card issued in this way is referred to as a third-party issue credit card).

The instant issue card of the present invention is manufactured by a card manufacturer and delivered to a credit company. At that time, the first character string has already been printed on the surface of the card and, at the same time, 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 electronic recording method, can be used. The letters are usually
Although numbers are used, other letters, such as alphabets, katakana, etc., can also be used. Also, combinations of these character types are possible. It is meant that the character string of the present invention includes symbols such as O and X.

The content recorded in the first character string is unique to each card. Cards with the same first character string 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. Further, the expiration date that the member store can issue to the customer is printed on the surface and magnetically recorded. 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. As for the record of the expiration date, even if the card before issuance is stolen or lost, the credit sales company only bears the risk within the expiration date, and the security can be improved.

Immediately issued cards are supplied to each member store after being delivered to the credit company. At this point, the first character string is recorded, but the second character string is not recorded, so the customer's personal identification number is recorded, or even if the customer signs on the card surface, it is used as a credit card. It is not possible.

When a customer requests the issuance of an immediate issuance card at a member store, fill out the necessary items on the application form, confirm that the clerk of the member store is the owner of the license, etc. Report to the credit company on the spot. After the credit company conducts the credit check based on the report, the credit company gives the second character string meaning to permit the issuance of the immediate issuance card.
The second character string is unique to the first character string. For example, when the first character string is a 12-digit number, a constant operation is performed on each of the 12 numbers. A new number consisting of the sum of the lower one digits of each number obtained as above is set as the second character string. Therefore, cards having the same second character string can coexist. Derivation of the second character string mainly depends on a mechanical method, but may be calculated and derived by an employee of a credit company. The second string is called the authorization number and without this number the immediate issue card has no effect. The second character string determined by the credit company is recorded by the member store by the magnetic recording device installed in each member store. The method of recording the character string is not limited to the case where the first character string and the second character string are recorded in series, but may be recorded in two stages, for example. In addition, the characters forming the first character string may be arranged at intervals and the characters forming the second character string may be arranged between the characters and recorded. At that time, the personal identification number selected by the customer, the expiration date of use of the card when the card is issued to the customer at the member store, and the like are recorded. The customer who receives the issuance of the instant issuance card can thereafter use the card at the member store. When a customer uses the card that is issued immediately at a member store, after shopping, the card is inserted into the card reader (terminal) installed at the member store, and the clerk uses the amount of money, payment method, and product category. After inputting etc., the customer inputs the personal identification number with the key. The terminal determines whether the second character string matches the unique character string derived from the first character string, and determines whether it 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 use exceeds the limit of use, and whether the expiration date of use of the card has expired, etc. The terminal issues the instruction.

Regarding self-issued credit cards, those that correspond to credit card companies of third-party issued credit cards are credit card supply / management departments of companies that provide products, services, etc. to customers, and those that correspond to member stores. Except for each retail store, the contents are almost the same.

(Effect) The present invention has the configuration as described above, and the first character string unique to the card is recorded on the card in advance before the card is issued. The credit card issuer may record the second character string determined by the credit card supplier as unique to the first character string irrespective of the use of the recording device on the credit card before issuing it to the customer. Characterize.

With the first character string and the customer's personal identification number being recorded or the customer only signing on the card surface as in the conventional art, the card supplier is not restricted in issuing the card.
Unless the check staff of the credit card supplier was present on the spot, the risk of unauthorized use by the credit card issuer or theft loss or the like was extremely high.

On the other hand, the present invention has the configuration as described above, and the second
If the character string is not given by the card supplier, or if the second character string is absent, the card cannot be used, and therefore the credit card supplier is restricted when issuing the card. As a result, the risk of fraudulent issuance of the card by the credit card issuer or fraudulent use due to theft or loss can be greatly reduced. Therefore, the credit card supplier can entrust the issuance of the card to the card issuer with a sense of security, and it is possible to easily expand the immediate issue window.

Continuation of front page (51) Int.Cl. ⁶ Identification number Office reference number FI Technical display location G06K 17/00 S 19/10 G07F 7/08 7/12 G11B 23/30 Z 7177-5D G07F 7/08 C G06F 15/21 340

Claims (3)

[Claims] 1. A method of using a credit card, which is supplied from a credit card supplier to a credit card issuer (a person who issues a credit card to a customer) and which the credit card issuer issues to the customer. When the credit card supplier supplies the credit card to the credit card issuer after recording the card-specific first character string on the credit card, and the credit card issuer subsequently issues the credit card to the customer, the credit card Based on the notification from the issuer, the credit card supplier determines the second character string as unique to the first character string regardless of the intentions of the credit card issuer and the customer, and issues the credit card. The credit card provider gives this second string to the How to use the credit card, characterized in that it issued to the recorded customer to Ttokado 2. A method of using a credit card according to claim 1, wherein the credit card supplier is a credit company and the credit card issuer is a member store. 3. The credit card supplier is a card supply department of a company that provides products and services to customers, and the credit card issuer is a store under the control of the company. Credit card usage