JP2002008106A - Medium issuing method, system and device, and medium design control mechanism - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a system and a method sufficiently responding to demands of customers, who want to have bankbooks and cards with characteristic design. SOLUTION: Bankbook design database 6 of an agency 5 is provided with design data of a plurality types of bankbook designs, when issuing the bankbook by being brought forward, the agency 5 takes out the design data designated by the bankbook design database 6, distributes it to a bankbook register 3 of a financial institution 2, and the bankbook register 3 prints the design on the bankbook and issues the brought-forward bankbook.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method and system for issuing a medium having a customer-specific design in a medium issuing machine such as a financial institution or an automatic transaction apparatus (hereinafter referred to as an ATM) having the same. The present invention relates to a medium issuing device and a medium design management organization.

[0002]

2. Description of the Related Art Conventionally, when a bank book carried over as a medium used by a financial institution or the like has been carried over by bookkeeping, a new passbook is issued as a carried bank book. At that time, the customer selected a desired one from several types of standard design passbooks prepared by the bank and issued the passbook.

[0003] As for a card as a medium, a customer selects a desired one from several types of standard design cards prepared by a bank at the time of card creation and issues the card. Furthermore, in order to respond to the demands of customers that are more diversified than before, a passbook issuing machine or a card issuing machine, or an ATM equipped with these, a camera for photographing a face,
There is a technology for providing a function of printing an image on a passbook or card to be issued.

In a conventional apparatus having such a configuration, a photograph of a customer's face or a face photograph and a background selected by the customer are synthesized according to the customer's request, and the front and back covers of a new passbook or the front surface of a card are synthesized. It was printed and published as a design.

[0005]

However, when a bankbook is selected from several types of standard designs prepared by the bank, there is a problem that one of the bankbooks must be selected even if there is no customer's preference. Also, the bank side
For customer service, the standard design must be changed periodically, and there is a problem in that it costs a lot of kinds of passbooks and design fees.

[0006] Furthermore, in the technology of printing a photo of a customer's face on a passbook or a card, there are only options of a face photo and a background, and the technology has not sufficiently responded to diversifying customer requirements.
In view of the above problems, an object of the present invention is to provide a method that sufficiently satisfies a customer's desire to have a passbook or card as a medium of a unique design. further,
SUMMARY OF THE INVENTION An object of the present invention is to provide a wide variety of designs for passbooks and cards without increasing the cost of design passbooks and cards of financial institutions.

It is a further object of the present invention to provide a wide variety of designs for passbooks and cards without imposing a burden on customers on the operation of selecting a design at a financial institution. It is a further object of the present invention to provide a method for making the selection of a passbook or a card time and cost free for individual customers.

Another object of the present invention is to provide a method for reducing the design selection time of a customer in a financial institution and improving the operation efficiency of a window and a device.

[0009]

According to the present invention, in order to achieve the above-mentioned object, various types of digital design data are prepared,
The selected digital design data is printed on an issuance passbook or an issuance card as a medium. That is, according to the present invention, the design data of a plurality of types of passbooks / card designs are prepared in the database of the passbook / card design management organization, and when the passbook / card is carried forward, the passbook / card design management organization is designated from the database. The design data is taken out and distributed to a passbook / card issuing device of a financial institution, and the passbook / card issuing device prints the design passbook and issues a carryover passbook.

[0010] In the case of a passbook, the time at which carry-over issuance is detected is detected from the transaction data of the customer, the time is notified to the customer in advance, and the customer who receives the notice is notified via the Web of the passbook design management organization. The passbook design is registered in the database, and when the passbook is carried forward, the passbook design management organization takes out the registered design data from the database and distributes it to the passbook issuing device of the financial institution. It is characterized by printing and issuing a carryover passbook.

In the case of a card, a financial institution detects a card issuance time such as a card rewrite by an existing method, notifies the customer in advance of the time, and the customer who receives the notice receives the card design via the Web. When the card design is registered in the database of the management organization, and when the card is carried forward, the card design management organization takes out the registered design data from the database and distributes it to the card issuing device of the financial institution. Is printed on the card and the card is issued.

At this time, design data of a plurality of types of passbook / card designs are prepared in the database of the passbook / card design management institution, and the passbook / card design management institution stores the design data designated from the database. And registering the design data owned by the customer in the database of the passbook / card design management organization.

[0013]

Embodiments of the present invention will be described below with reference to the drawings. In the present embodiment, a medium is described as a passbook or a card. FIG. 1 is a block diagram showing a system configuration according to the first embodiment of this invention. In the figure,
Reference numeral 1 denotes a customer who has a transaction with the financial institution 2, reference numeral 2 denotes a financial institution in which the customer 1 has opened an account, reference numeral 3 denotes a passbook entry machine installed by the financial institution 2, and the passbook entry machine 3 has a passbook entry function. And a passbook issuing function. Reference numeral 4 denotes a host computer for storing customer transaction data of a financial institution, a fixed design of a passbook, and the like. Reference numeral 5 denotes an agency serving as a passbook design management institution that provides various types of design data.

FIG. 2 is a flowchart for explaining the operation of the first embodiment having the above configuration. The customer 1 goes to a store or the like where the financial institution 2 can make a book, receives transaction data from the host computer 4, and makes a book using the installed passbook book machine 3 (SA1). At the time of bookkeeping, if a carryover is issued (SA2), the customer 1 is notified by a display on a display device or the like (not shown), and one is selected from fixed or various types of designs (SA2).
3).

When the customer 1 selects the standard form in SA3, the passbook entry machine 3 fetches the standard form data stored in the host computer 4 of the financial institution 2 (SA4), and issues a carry-over passbook (SA5). In addition, several free fixed forms may be prepared separately from the design passbook by the agency 5 and one of them may be selected here. The standard design may be printed at the time of issuance. In addition, it may be configured such that no printing is performed at the time of issuance as a pre-printed one as in the related art.

When the design is selected in SA3, the design offer is presented to the agency 5 (SA6). The agency 5 receiving the instruction (SA7) extracts the selected design data from the passbook design database 6 (SA8),
The design data is transmitted to the financial institution (SA9). The agent 5 can freely add and update the design data in the design database 6.

The passbook entry machine 3 of the financial institution 2 receives the transmitted design data (SA10) and carries over and issues a passbook of the design data (SA5). In the present embodiment, the design by the agency 5 is charged, and the design fee may be paid by the customer. Various methods can be considered for the delivery of the design fee. For example, the design fee is automatically deducted from the deposit account of the customer 1 who has selected the issuance of the design passbook, and is paid directly or via a financial institution to the agency 5 that provides the design. You may do it. The agency 5 can also provide a free design or the like by placing some kind of advertisement or the like.

After the passbook issuance processing is completed, the customer 1 brings back the carried passbook. According to the first embodiment having the above-described configuration, a customer can obtain a passbook that suits his or her preference from various designs. On the other hand, financial institutions can satisfy customer service without having to bother with design passbooks, design fees, order management, and planning and changing designs that customers like.

FIG. 3 is a block diagram showing a system configuration according to the second embodiment of the present invention. In the second embodiment,
The customer pre-registers the design.
In the figure, 1 is a customer who has a transaction with the financial institution 2, 2 is a financial institution that the customer 1 has opened an account, 3 is a passbook entry machine installed by the financial institution 2, and the passbook entry machine 3 is It has a passbook entry function and a passbook issuance function. Reference numeral 4 denotes a host computer for storing customer transaction data of a financial institution, a standard design of a passbook, and the like. Reference numeral 5 denotes an agent that provides various types of design data. Reference numeral 6 denotes a passbook design database.

Reference numeral 7 denotes a personal computer (hereinafter, referred to as a PC) on the customer 1 side. A scanner 8 and a digital camera 9 are arranged as optional peripheral devices of the PC 7 on the customer side. Therefore, it does not matter. Reference numeral 10 denotes a financial institution Web. FIG. 4 is a flowchart for explaining the operation of the second embodiment having the above configuration.

First, the financial institution 2 accumulates the passbook entry amount (SB1, SB2) when entry is made (SB1, SB2).
3) The transaction data and the passbook entry amount are constantly monitored by the host computer 4 (SB4). Here, when a certain amount before the carry-over occurs, the customer 1 is notified in advance by mail, electronic mail, or the like (SB5).

Based on the notification, the customer 1 sends the We
Access b10 and select the carry forward issue service. In response, the financial institution 2 connects the access of the customer 1 to the agent 5. The customer 1 uses the agent 5 on the PC 7
Browse a variety of standard designs provided by, select and register your favorite designs. That is, the customer 1 transmits the desired design data to the agency 5 (SB6). The agency 5 receives this (SB7) and stores it in the passbook design database 6 (SB8).

Further, the photograph or picture possessed by the customer 1 is taken into the PC 7 from the scanner 8 or the digital camera 9 and transmitted to the agency 5 through the Web 10 as design data, and the passbook design database 6 of the agency 5 is transmitted.
You may register to. After completing the above registration, the customer 1 goes to a store or the like where the financial institution 2 can book, receives the transaction data from the host computer 4 using the installed passbook entry machine 3, and performs entry (SB1). .

When a carry-over is issued during bookkeeping (SB
2) Send a provision instruction of the design data registered in advance to the agency 5 (SB9). The agency 5 receiving the instruction (SB12) extracts the design data registered in SB8 from the passbook design database 6 (SB1).
3) Send design data to financial institutions (SB1)
4).

The passbook entry machine 3 of the financial institution 2 receives the transmitted design data (SB10) and carries over and issues a passbook of the design data (SB11). In the present embodiment, the design by the agency 5 is charged, and the design fee may be paid by the customer. A registration fee can also be generated for customer-specific data captured by the scanner 8 or the digital camera 9. The delivery of the design fee and the registration fee is the same as in the first embodiment.

After the passbook issuance processing is completed, the customer 1 brings back the carried passbook. According to the second embodiment having the above-described configuration, in addition to the effect of the first embodiment, the customer can slowly select the design at the time of carry-over issuance when there is time. On the other hand, a financial institution can save time in selecting a design at a store. In addition, the agency can provide a service for receiving pre-registration or receiving image data unique to a customer, and by collecting the commission thereby, can further expand business opportunities. In addition, since the financial institution can know the number of books issued in advance by giving the advance notice of carry-over, there is also an effect that the order management of the passbook can be performed.

Note that, in the second embodiment, the first
Similarly to the above embodiment, the fixed passbook may be selectable. In addition, the configuration of the first embodiment and the configuration of the second embodiment are combined so that the customer can freely select either the design selection at the store or the pre-registration via the Web. Good.

Further, in the above embodiments, the passbook issuance has been described, but the medium to be issued may be a cash card or a credit card. In other words, when a card is issued, the customer selects one of a variety of designs prepared by a fixed form or an agent, takes the design data into a card issuing device, prints it on a card, and issues it.

Alternatively, the financial institution notifies the customer in advance of the card issuance time such as rewriting, so that the customer can be registered in the card design database of the agency through the Web, and the design data is transferred to the card when issuing the card. It is taken into the issuing device, printed on a card and issued.
The functions and effects of such a card issuing method are the same as those of the passbook issuing method described above.

[0030]

As described above in detail, according to the present invention, a plurality of types of passbook / card design data are arranged in a database of a passbook / card design management organization, and the passbook / card is carried forward when issued. The passbook / card design management organization retrieves the designated design data from the database and distributes the data to the passbook / card issuing device of the financial institution, and the passbook / card issuing device prints the design on the passbook and issues a carryover passbook. Therefore, various types of design data can be prepared, and the selected design data can be printed on an issuance passbook or an issuance card.

Thus, there is an effect that the customer's desire to have a passbook or card of a unique design is sufficiently and easily satisfied, and the service of the financial institution is improved. In addition, since the management of the design is performed by the bankbook / card design management organization, the financial institution is released from the management of the bankbook / card design, and without increasing the cost of the bankbook design passbook or card, a wide variety of bankbooks and cards can be used. There is an effect of providing a simple design.

Further, in the case of a passbook, the time at which carryover is issued is detected from the customer's transaction data, the time is notified to the customer in advance, and the customer who receives this is transmitted via the Web to the passbook design management organization. The passbook design is registered in the database, and when the passbook is carried forward, the passbook design management organization takes out the registered design data from the database and distributes it to the passbook issuing device of the financial institution. In the case of a card, the financial institution detects the time of card issuance such as card rewriting by an existing method, notifies the customer in advance of the time, and the customer who receives the notification receives the Web time. Register the card design in the database of the card design management organization via
When the card is carried forward, the card design management organization takes out the registered design data from the database and distributes it to the card issuing device of the financial institution, and the card issuing device prints the design on the card and issues the card. In addition, customers can slowly select a passbook / card design at home or office when they like.

As a result, there is an effect that a wide variety of designs for passbooks and cards can be provided without burdening the customer with the customer's design selection operation at the financial institution. Further, there is an effect that the burden on the passbook and card design selection time and cost can be freely set by each customer.

Further, since the time required for a customer to select a design at a financial institution is reduced, the exclusive time of a customer at a window or a device is shortened, and the operation efficiency is improved.
At this time, design data of a plurality of types of passbooks / card designs are prepared in the database of the passbook / card design management institution, and the passbook / card design management institution takes out the designated design data from the database. Registering in a database or registering customer-owned design data in the database of the passbook / card design management organization further expands the options and further satisfies the customer's desire to have a passbook or card of a unique design, This has the effect of improving the services of financial institutions.

[Brief description of the drawings]

FIG. 1 is a block diagram illustrating a system configuration according to a first embodiment of this invention.

FIG. 2 is a flowchart showing an operation of the first exemplary embodiment of the present invention.

FIG. 3 is a block diagram illustrating a system configuration according to a second embodiment of this invention.

FIG. 4 is a flowchart illustrating an operation of the second exemplary embodiment of the present invention.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Customer 2 Financial institution 3 Passbook entry machine 4 Host computer 5 Agency 6 Passbook design database 7 PC 8 Scanner 9 Digital camera 10 Web

Claims (10)

[Claims] 1. A plurality of types of design data of a medium are prepared in a database of a medium design management institution, and when the medium is carried forward, upon request of a customer, the medium design management institution stores the design data stored in the database. A method for issuing a medium, comprising: extracting a design selected by a customer from a client, distributing the design to a medium issuing device, and receiving the design, the medium issuing device issues a medium of the design. 2. Detecting the time when carry-over issuance occurs from the customer's transaction data, notifying the customer of the time in advance, and the customer receiving this information registers the desired design in advance in the database of the media design management organization. A medium issuance method, wherein at the time of carryover issuance of a medium, a medium issuance device takes out a design registered in a database of the medium design management institution, outputs the design to the medium, and issues the medium. 3. The medium issuing method according to claim 2, wherein a plurality of types of design data of the medium are arranged in a database of a medium design management institution, and a customer selects a design from the design data,
A method for issuing a medium, wherein the design is registered in a database of the medium design management organization. 4. The medium issuance method according to claim 2, wherein the design data owned by the customer is registered in the database of the medium design management institution. 5. A medium design management institution having a database storing medium design data is connected to the medium issuing device, and when the medium is carried forward, the design is output to the medium in accordance with the design data distributed from the medium design management institution. Media publishing system. 6. A financial institution that gives advance notice of when a carry-over occurs, a customer who has received advance notice, and a media design management institution that allows the customer to select and register a medium design. A medium issuing system for issuing a medium of a desired design registered in a database of a medium design management organization. 7. The medium issuance system according to claim 6, wherein the design data owned by the customer is registered in a database of a medium design management organization that prepares a plurality of types of design data of the medium. 8. A medium issuing apparatus which can be connected to a medium design management institution in which a plurality of types of design data of a medium are prepared in a database, and can output and issue a design distributed from the medium design management institution to the medium. . 9. A medium design management institution which is connected to a medium issuing apparatus, stores a plurality of types of design data of a medium in a database, and can deliver a design desired by a customer to the medium issuing apparatus. 10. The medium design management organization according to claim 9, wherein design data owned by the customer can be registered in a database.