JPH08329009A - PIN code registration system - Google Patents

Abstract

(57) [Summary] (Corrected) [Purpose] Securing confidentiality by completely eliminating the possibility of acquisition by a third party other than the customer while performing a stepwise procedure that makes it easy for the customer to remember the personal identification number. We provide a PIN code registration system. [Structure] Card issuing device 1 having personal identification number input means
01, a reception terminal 201 of a manned processing center that is connected to this card issuing device through a communication means, and performs the registration procedure of the above-mentioned personal identification number by an artificial operation, and a personal identification number connected to this reception terminal 201 and processed. In the personal identification number registration system including the registration management host computer 301 for registration, the reception terminal 201 disables the output of the content of the personal identification number transmitted from the card issuing device.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to the registration of a personal identification number used when issuing a membership card such as a membership sports club or issuing cards such as credit cards and cash cards used in financial transactions. It is about the system.

[0002]

BACKGROUND OF THE INVENTION Recently, membership-based sports clubs, leisure clubs, etc. have become widespread in which a large number of facilities are spread over a wide area so that members can use the facilities in multiple ways. Usually, these clubs issue membership card for use. This makes it possible to easily and surely identify the person himself / herself by entering the personal identification number and the card number of an already issued card at the place of use and communicating this with the host computer that registers and manages customer information. This is largely due to the development of new communication and computer technologies, and it is also emphasized that it is convenient and safe because it does not require carrying large amounts of cash. For this reason, many areas of use have expanded not only domestically, but also abroad due to the development of transportation.

An ATM for paying out and depositing money
For financial transactions using devices such as (automatic teller machines) and CDs (cash dispensers), as well as cashless expense settlement using credit cards, the transaction market using cards etc. is the same as the above. It is expanding rapidly.

[0004] In comparison with the tendency that the stores and facilities that can use already issued cards are rapidly becoming widespread and mass-produced as described above, the issuance of this card can be automated and mechanized so that it can be handled widely and in many stores. Large-scale deployment of such bases is suitable for the market expansion and fine service provision for the business, and has been delayed in its diffusion despite the advantage that the user can expand the utilization opportunity.

The location of this problem is not always uniform depending on the type of card, but the following reasons are common to most cases.

[0006] That is, this will be explained by taking a cash card in which card issuance in an unmanned store is put into practical use as an example. First, in a financial transaction in which a loan is issued by an already issued card (borrowing from the customer side). , Because borrowing beyond the limit will lead to financial failure for the customer, while on the other hand, the lender will generate bad debts.
When issuing a card, it is customary to examine the customer's debt collateral ability, which is why the card issuing process requires extremely careful handling. In other words, in order to start a new transaction, it is important to verify the identity, examine the credential status (debt collateral ability) and other qualifications, and prevent duplicate issuance of cards. If you issue multiple cards, you will be in danger of paying many times more debt than you can afford to pay.

The second reason is to prevent unauthorized use of the card. Generally, it is not uncommon for a user (customer) carrying an already issued card to lose the card due to loss or theft. In such a case, it is important for the customer to inform the merchant of the loss of the card and prevent its fraudulent use, but it is more preferable to make the card of the other person unusable by the unspecified person. For this reason, in the conventional card use system, a personal identification number known only to the customer himself is attached to the card so that it cannot be used only by the information recorded on the card, and it is recorded on the already issued card. Both the information (usually the card number) and the personal identification number are entered, and the system allows the transaction only when a match is confirmed by the host computer that registers and manages the information of the issued card. However, the security of the confidentiality of the personal identification number (known only to the customer himself / herself) is not necessarily improved by a simple mass deployment of card issuing bases, which also contributes to the delay in spread. The most conventional processing for card issuance is the application mailing method, but the so-called face-to-face examination issuance method is an immediate issuing method that expands the card issuing base to a wide range. The business is known. However, this method is a method in which a person in charge such as a trader conducts a face-to-face examination with a customer who wishes to issue a card, and is therefore not suitable for mass deployment of the above-mentioned card issuing bases from the viewpoint of securing personnel and stores.

In place of this, there has been proposed a card issuing machine in which the identity of the customer is surely confirmed with a driver's license or the like, and the personal identification number is magnetically recorded on the issued card together with the customer information such as the card number. (JP-A-60-55487, etc.).

In this method, the personal identification number is automatically magnetically recorded in the card issuing device, so that it cannot be known to a third party at the time of issuance. When it is found, it is not impossible to read the magnetically recorded information recorded on the card, so the confidentiality is not always guaranteed.

Therefore, an automatic card issuing device installed in an unmanned store and a processing center installed with a host computer for registering and managing customer information are connected online by communication means, and only the card number, for example, is recorded on the card. Recently, a card issuing system in which a personal identification number is registered in a host computer without being recorded in a card has been widely adopted in recent years.

An example of the outline of the procedure processing realized by such a card issuing system connected to a processing center online is as follows. First, as an image data, a document such as a driver's license that can confirm the customer is used as image data in an unmanned store. Capture and transmit this along with any other required customer information to a manned processing center. At a processing center that is connected to multiple unmanned stores by communication means, the person resident here uses the database of the host computer or an external institution to obtain the required qualifications based on the image data and customer information transmitted above. After the examination, if the contract is judged to be acceptable, the person in charge gives credit to the customer of the unmanned store, and also sends a signal of card issuance permission to the unmanned store.
The customer of the unattended store who received the credit stamp affixes his / her name on the contract prepared in advance or the contract output from the card issuing device, re-imports this document into the image data and transmits it to the processing center, as well as the personal identification number. Enter. The person in charge of the processing center confirms the signature of the contract, the confirmation of the input of the personal identification number, or the reconfirmation of the personal identification number by the customer, and finally commands the card issuing device of the unmanned store to issue the card. Issued. In addition, it is natural that the devices necessary for performing the above processing are installed in unmanned stores, processing centers, etc., and in unmanned stores, input means such as keyboards and touch panels for entering customer information, images Scanner, information transmitter and receiver,
A display device such as a CRT, a camera, and if necessary, a communication means for talking and responding with a person in charge at the processing center are appropriately provided, and the processing center has a CRT for confirming information input by the customer. Display device, an input means such as a keyboard, a display device such as a CRT connected to a camera for observing the inside of the booth of an unmanned store, a communication means, a host computer or a relay computer connected to an external host computer. .

[0012]

By the way, in the above-mentioned online card issuing system, the person in charge at the processing center confirms the personal identification number and performs the work of registering the customer information in the host computer for registration management. In some cases, the secret code is written in a memo, and if the memo is forgotten, there is a problem that it cannot be completely concealed.

This problem can be solved by directly connecting the card issuing device of the unattended store and the host computer without relaying the registration procedure at a manned processing center and eliminating the involvement of a person in the registration procedure. In such procedures, the registration of the personal identification number is required while ensuring that the contract name and seal are required to be confirmed and that the personal identification number can be surely recognized and stored by the customer. There is still a problem to be solved in order to completely unmanned and automate the above procedure.

The present invention solves the problems of the conventional personal identification number registration system as described above, and allows the customer to surely recognize and store the personal identification number. The purpose of the invention is to provide a personal identification number registration system that can secure confidentiality by completely eliminating the possibility of the personal identification number being obtained by a third party including the person in charge.

[0015]

The features of the personal identification number registration system of the present invention that achieves the above-mentioned object are as described in the above-mentioned claims.

The feature of the personal identification number registration system according to the present invention is that the card issuing device has a personal identification number input means and a customer information input means, and is connected to the card issuing device through a communication means and is operated manually. A personal identification number registration system including a relay computer for performing registration processing of the personal identification number and customer information and a host computer for registration management for registering the personal identification number and customer information registered and connected to the relay computer. In the above, the artificially operated relay computer is provided so that the output means cannot output the contents of the personal identification number transmitted from the card issuing device. Here, "unable to output" means that the relay computer and its associated devices are provided in a prohibited structure so that the contents of the personal identification number cannot be known by an artificial operation. .

In the above, the card issuing device means a device installed in an unmanned store and used for issuing cards such as membership cards, cash cards, credit cards, shopping cards and bank cards. Include, but are not limited to, various devices necessary for issuing a card, for example, input means such as a keyboard and a touch panel for inputting customer information, an image scanner, an information transmitting / receiving device, a display device such as a CRT, A camera and, if necessary, a call means for making a conversation with a person in charge at the processing center are appropriately provided. In the case of a membership card issuing device, a cash storage device or the like for receiving a membership fee may be attached.

The "personal identification number input means" can also be used as input means such as a keyboard or a touch panel for inputting the customer information, but a pin pad or the like may be used.

The relay computer is installed in a manned processing center, and is provided with a display device such as a CRT for confirming various information input by the card issuing device and an input means such as a keyboard. The person in charge operates the registration procedure.

The feature of the invention is that the content of the personal identification number input by the customer to the card issuing device is used for external output means such as a display device such as a CRT or a printing device such as a printer which is a device attached to the relay computer. Is provided so that the password cannot be output, so that even the person in charge cannot know the registered personal identification number, so complete confidentiality is secured. Here, the "contents of the personal identification number" means the symbol itself, and when the personal identification number is, for example, the four-digit number "1234" as in claim 2, it is displayed as a blank letter (for example, "***").
It does not include the case where the letters are displayed in a blank like "*". Rather, it is preferable to perform such a "blank character display" because the person in charge can confirm that a four-digit personal identification number has been input, that is, an appropriate number of digits has been input, even if the content is unknown.

According to the third aspect of the invention, the personal identification number entered by the customer is displayed on the display unit of the card issuing device, and a confirmation input must be made when the personal identification number entered is registered. Is characterized by
This is one of the features of the present invention for the following reason.

That is, it is important that the personal identification number to be registered is kept secret as described above, and it is necessary for the customer to write down the personal identification number on a card, for example, to make the personal identification number confidential. It is not done because it is. That is, the customer usually stores the personal identification number. However, since it is difficult to say that a person's memory is necessarily reliable, the present invention aims to mitigate the effects of such memory uncertainty as much as possible and to improve the recognition rate useful for memory. , "Thinking about the PIN code"-"Enter" the process from inputting the PIN code to registration
-Consider a step devised so that it is easy to remain in the memory of "visually"-"confirm", and input to ensure that each customer can make such stepwise thoughts and operations-visually-confirmation The above means are provided.

The present invention is for registration management for registering the personal identification number input by the personal identification number input means, which is directly connected to the card issuing device having the personal identification number input means through the communication means. It can also be provided as a personal identification number registration system that does not relay to a manned processing center with the host computer of, and especially as a system for personal identification number registration and card issuance that does not involve the conclusion of a contract. Is valid. Also in this case, it is preferable to provide a means for displaying the input personal identification number by the customer and performing confirmation input for registration of the input personal identification number. The input means can also serve as the input means such as the above-mentioned keyboard and touch panel.

In each of the above-mentioned inventions, the card issuing device is provided so as to have other customer information input means in addition to the personal identification number input means, and a means for reading the card number is provided so that the customer information and the card number are provided as a personal identification number. More preferably, it is configured to register with the host computer for registration management together with the number.

The registration information to be registered in the host computer is preferably scrambled (encrypted) including the personal identification number or other customer information or card number. By doing so, the confidentiality of the personal identification number is further improved. Further, it is more preferable that this scrambling process is performed in the local computer of the card issuing device for inputting the personal identification number. By doing so, the security of the personal identification number is further improved on the communication line. The scrambling can be done according to known methods.

In the present invention, a normal resin plate-shaped card can be used as the card issued with the registration of the personal identification number. This card is preferably prerecorded with "recording information" for individualizing the card by preprocessing of embossing or magnetic recording. This recorded information is information irrelevant to the attributes of the customer himself, such as I
The D mark, business type code, company code, serial number attached to a card, etc. (“card number”) are typical, but not limited to these. Further, if necessary, a recording unit for recording other information by an appropriate magnetic recording means may be provided, but as described above, the personal identification number for ensuring confidentiality is not recorded on the card.

According to the personal identification number registration system of the present invention,
It is possible to expand a large number of unmanned store bases for issuing various cards such as membership cards, cash cards, credit cards, shopping cards, bank cards, etc. described above while realizing the complete concealment of personal identification numbers. .

[0028]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Embodiments shown in FIGS. 1 to 3 in which the present invention is configured as a personal identification number registration system in the case of issuing a cash card using a card issuing device installed in an unmanned store (contract booth). It will be explained based on.

FIG. 1 shows the relationship among an unmanned store 1, a manned processing center 2 and a host computer (registration processing computer) 301 of the registration processing center 3. In this example, the processing center 2 is shown. Is connected to a card issuing device 101, which is an unmanned contract machine installed in each of a plurality of unmanned stores 1, through a communication line such as ISDN, and is also connected to a host computer 301 of the registration processing center 3 through the same communication line. ing.

Further, the above processing center 2 in this example.
Is installed with a reception terminal (relay computer) 201 connected to the card issuing device 101 of the unmanned store 1, and a person 202 who operates the reception terminal is resident. Reception terminal 2
A display device 203 such as a predetermined CRT and an input means 204 such as a keyboard are provided at 01, a television monitor for observing the customer 103 in the unmanned store 1, a telephone line for talking and responding to the customer (both are (Not shown) is installed.

Further, a host computer 301 is installed in the registration processing center 3 and, based on a command from an operator in charge of the processing center 2, it conducts processing such as customer credit check, judgment on whether or not a contract can be made, and registration at the time of contract. It is arranged to do. Reference numeral 302 is a customer database for registering customer information when a contract is made.

An outline of the card issuing device 101 installed in the unmanned store 1 is shown in FIG. 3, and a communication means with a local computer or a reception terminal of the processing center 2 necessary for issuing a card by making an automatic contract is shown. Including various devices (none shown), CRT screen 10 with touch display
4. Card issuing machine 105, application and contract image reader 106, printer 1 for issuing the created contract
07 and the like are attached.

To briefly explain the business of issuing a card using the system connected by the communication line as described above, first, the customer 103 visits the unattended store 1 and the card issuing device 101 is guided by an electronic bulletin board or the like. When you sit in front, the guide for issuing a card will automatically start on the touch display 104. This allows the customer to issue the card issuing device 101
First apply according to the voice and display from.

First, a document such as a driver's license or insurance certificate that can be verified is set in the image reader 106, and the person 202 in charge of the processing center 2 checks it.

Next, the customer 103 fills in the necessary items in the loan application form prepared in advance (or printed each time), sets it in the image reader 106, and sends it. Confirm this.

At the processing center 2, the credit information, working status, etc. of the customer are confirmed by using the host computer or the like based on the application form for borrowing, the driver's license, and the like. During this time, the customer touches the necessary examination information with the touch display 104.
Enter according to the instructions.

If the contract is accepted as a confirmation result,
The person in charge 202 of the processing center 2 credits the customer, and the contract issuing device 10 of the card issuing device 101.
The contract preparation command and necessary information are transmitted to 7.

The card issuing apparatus 101 prints and creates a contract according to a predetermined procedure and outputs it to the customer. The customer fills in the necessary items (signature regarding his / her own address and name, stamp if necessary), sets it in the image reader 106 and sends it, and the operation person 202 of the processing center 2 confirms this. . It should be noted that this contract should be automatically loaded into a storage box or the like. Prior to this, the card issuing device automatically or a person in charge of the processing center 2 guides the customer to input a personal identification number.

The feature of this example is a personal identification number registration system in which the personal identification number is registered in the customer database 302 of the host computer 301 from the personal identification number input based on the guidance of the personal identification number input.

This will be described below based on the flow shown in FIG. 2. When the above-mentioned "guidance for inputting the personal identification number to the customer" is performed (step 1), this is the touch panel type C.
It is displayed on the RT screen 104 (step 2).

Based on this instruction, the customer inputs the personal identification number by touch panel type input on the CRT screen 104 (step 3).

In the present example, the entered personal identification number is displayed on the CRT screen 104, and subsequently, automatically or by the person in charge 202 operating the keyboard 204, the CRT screen of the card issuing device 101 is displayed. A guidance for prompting confirmation input (display of confirmation intention that the personal identification number displayed on the CRT screen 104 is acceptable) is displayed on 104 (step 4).

When the customer's personal identification number is input, the personal identification number is transmitted to the processing center 2 by communication means.
Is transmitted to the reception terminal 203 (step 5), and the CR is transmitted.
It is displayed on the T screen 203 as a blank letter "***" (step 6). As a result, the person in charge 202 can confirm that the personal identification number has been input with a 4-digit symbol, but cannot confirm the input contents (personal identification number itself).

When the customer makes a confirmation input according to the above guide, the input personal identification number is scrambled in the local computer of the card issuing device 101, and then
Automatically or by the person 202 in charge
Is operated to be transmitted to the host computer 301 of the registration processing center 3 and scrambled and registered in the customer database 302 (step 7).

As described above, the registration of the personal identification number is completed, and the card issuing machine 105 of the card issuing device 101 automatically issues the card and ends the work.

As described above, the card issuing business is completed, and the customer who obtains the issued card can perform cashing at the ATM if necessary.

[0047]

According to the invention of the personal identification number registration system described in claim 1 of the present application, the personal identification number of the card can be registered without the third party's eyes including the person in charge of the business operator. The effect is that the secret code can be completely concealed.

Further, according to the invention of claim 2, since the entered personal identification number is displayed in blank letters to the person in charge of the processing center, the person in charge can confirm that the input was properly made, and the registration procedure can be smoothly carried out. The effect of being able to proceed to is exhibited.

Further, according to the invention of claim 3, the personal identification number registration procedure is performed in a procedure that is easy to remain in the memory of "think of personal identification number"-"input"-"visually"-"confirm". Therefore, it is possible to alleviate the influence of the uncertainty of the memory of a person, which is not always reliable, and it is possible to input a personal identification number with an improved recognition rate.

Further, according to the invention of claim 6 in which at least the personal identification number is scrambled and the confidentiality of the personal identification number is taken into consideration, the confidentiality of the personal identification number is further improved. The effect is obtained.

The present invention is not limited to the above-mentioned embodiment, and the personal computer of the unattended store is directly connected to the host computer without relaying the manned processing center in which the relay computer is installed, and the personal identification number is registered. The system can also be configured. It is also possible to simultaneously register various customer information, card numbers, etc. together with the personal identification number.

According to the present invention having the above effects, a large number of card issuing bases are spread over a wide range not only in the case of using the various cards whose utility is expanding, but also in terms of card issuing. Therefore, it is extremely useful for further expanding the use of membership cards, cash cards, credit cards, shopping cards, bank cards and the like.

[Brief description of drawings]

FIG. 1 is a diagram showing an outline of the relationship between an unattended store, a manned processing center, and a host computer of a cash card issuing system to which a personal identification number registration system of the present invention is applied.

FIG. 2 is a flowchart showing a procedure of a personal identification number registration system performed according to the present invention.

FIG. 3 is a perspective view showing a schematic configuration of a card issuing device used in the cash card issuing system of FIG.

[Explanation of symbols]

1 ... unmanned store, 101 ... card issuing device, 10
2 ... ATM, 103 ... Customer, 104 ... Display device, 105 ... Card issuing machine, 106 ... Image reading device, 107 ... Printer. 2 ... Processing center, 201 ... Reception terminal, 202 ... Person in charge, 2
03 ... Display device, 204 ... Input means. 3 ...
Registration processing center, 301 ... Host computer,
302 ... Customer database.

Claims (8)

[Claims] 1. A card issuing device having a personal identification number input means, a relay computer connected to the card issuing device via a communication means, and a relay computer for performing the personal identification number registration procedure, and connected to the relay computer. In a personal identification number registration system including a host computer for registration management for registering the personal identification number registered in
The personal identification number registration system, wherein the relay computer, which is manually operated, is provided so that the contents of the personal identification number transmitted from the card issuing device cannot be output by the output means. 2. The personal identification number registration system according to claim 1, wherein the relay computer has, as an output means, a display device for displaying all symbols of the personal identification number transmitted from the card issuing device in a blank form. 3. The card issuing device according to claim 1, wherein the card issuing device has a display device for displaying the input personal identification number, and a confirmation input for instructing registration of the personal identification number displayed on the display device. A personal identification number registration system comprising means. 4. A card issuing device having a personal identification number input means, and a host for registration management which is directly connected to the card issuing device through a communication means and registers the personal identification number input by the personal identification number input means. In a personal identification number registration system including a computer, the card issuing device is
A personal identification number registration system having a display device for displaying an inputted personal identification number and a confirmation input means for instructing registration of the personal identification number displayed on the display device. 5. The method according to claim 1, wherein
The personal identification number registration system, wherein the card issuing device has other personal information inputting means in addition to the personal identification number inputting means, and the host computer for registration management registers the personal information together with the personal identification number. 6. The personal identification number registration system according to claim 5, wherein at least the personal identification number of the registration information registered by the host computer for registration management is scrambled. 7. The personal identification number registration according to claim 6, wherein the personal identification number is scrambled by a card issuing device, and transmission for registration to a registration management host computer is performed by the scrambled information. system. 8. The method according to any one of claims 1 to 6,
A personal identification number registration system, wherein the card issuing device is any one of a membership card, a cash card, a credit card, a shopping card, and a bank card.