JP7528326B1 - Instant credit card numbering system and method - Google Patents

Abstract

When a membership request is received, a card number is always issued immediately, and it is possible to conclude a contract for loans or installments based on the results of foreign credit inquiry while keeping the card number unchanged.
[Solution] Upon receipt of application information, a membership screening is carried out during the night on a first date based on internally held information, and after member information including a newly issued card number is instantly generated, a membership screening is carried out during the day on a second date based on the results of an external credit inquiry. For member information approved during the night, only a shopping limit is issued as a small credit limit, and the upper limit and attached date of the shopping limit are set to the amount corresponding to the small credit limit based on a monthly contract and to the first date, respectively. For member information approved during the day, a shopping limit, installment limit, and loan limit are issued as credit limits based on the Installment Sales Act and the Money Lending Business Act that reflect the contents of the credit screening, and the upper limit and attached date of the shopping limit, installment limit, and loan limit are set to the amount corresponding to the credit limit and to the second date, respectively.
[Selected Figure] Figure 6A

Description

The present invention relates to the issuance process of cashless payment cards, which support deferred payment in commercial transactions and require a credit check on applicants at the time of card issuance. More specifically, the present invention relates to a system and method for instant issuance of credit cards, which enables card numbers for such credit cards (cards compatible with deferred cashless payment) to be issued at any time and in a short time.

The use of cashless payment cards (e.g., credit cards) that support deferred payment is becoming more and more widespread not only in traditional face-to-face commercial transactions, but also in electronic commerce (EC) using the Internet. In particular, with regard to electronic commerce, customers who purchase products and services on EC sites often use their credit card information, which they are expected to own, as a cashless payment method.

In such a scenario, even if a customer wishing to purchase a product does not have a credit card that can be used at the time of payment, there are already cases where a credit card number can be instantly issued and provided to the customer. For example, Patent Document 1 discloses a system and method for instant credit card number issuance in which, when a credit card application request is received from a customer terminal, a card number is instantly issued on the premise that the customer's credit check is approved, and this card number can be used on the customer terminal at the time of payment.

Patent No. 6067909

However, in the instant credit card issuance system and method disclosed in Patent Document 1, when the card issuing organization conducts a credit check on a customer when the external credit information agency is closed, such as at night, the organization cannot immediately conduct the check based on the results of the credit information inquiry to the external credit information agency (i.e., an external credit inquiry), and the check is conducted based on credit information already held within the organization. This means that it is difficult to conclude an installment loan contract between the card issuing organization and the customer at the time of instant issuance of the card number, and therefore there is a problem that instant issuance of the card itself is not actually possible.

This is because loan agreements or installment contracts are premised on the implementation of credit screening based on the results of external credit information inquiries. Therefore, in order to issue credit card numbers immediately when external credit information agencies are closed, such as at night, there remain issues to be resolved related to installment loan agreements accompanying the issuance of credit cards.

The present invention has been made to solve these problems, and aims to provide an instant credit card number issuing system and method that allows a credit card issuing organization to issue a credit card number instantly at any time when it receives a credit card application request from an information terminal on the applicant's side, regardless of the time periods when an external credit information agency is open or closed, and that allows it to conclude various contracts with the applicant (card member) regarding loans or installments based on that card number.

In order to solve the above problems, as one aspect of the present invention, a real-time issuing system for credit cards comprises the following components:
(1) application information receiving means for receiving application information of an applicant related to a credit card from an information device;
(2) a negative information storage means for systematically storing negative information of applicants related to credit cards;
(3) A real-time screening means for immediately conducting a credit card application screening for an applicant based on negative information when an inquiry to an external credit information agency is not possible;
(4) when an inquiry to an external credit information agency is possible, the screening means performs a credit card application screening on the applicant based on the inquiry result received from the external credit information agency;
(5) a number issuing means for issuing a credit card number to an applicant whose credit card application screening has been approved by the immediate screening means;
(6) a member information generating means for generating member information of the applicant based on the application information and the card number;
(7) a credit limit setting means for setting the upper limit amounts and respective attachment dates for the shopping limit, installment limit, and loan limit as credit limits included in the member information, and (8) a member information providing means for providing member information in response to an inquiry request received from an information device.

The credit limit setting means issues only a shopping limit within the credit limit as a first credit limit, which is a small credit limit based on a monthly contract, which is a contract type that is not subject to regulations under the Installment Sales Act or the Money Lending Business Act, to the member information whose membership screening has been approved by the immediate screening means on the first date, and sets the upper limit amount and the attached date of the shopping limit to the amount and the first date that correspond to the first credit limit, respectively.

The credit line setting means also issues a shopping line, an installment credit line, and a loan line as second credit lines based on the Installment Sales Act and the Money Lending Business Act that reflect the results of the screening by the screening means to the member information whose membership screening has been approved on a second date by the screening means, and sets the upper limit amounts and associated dates of the shopping line, installment credit line, and loan line to the amounts and second dates that correspond to the second credit lines, respectively.

The screening means further performs a credit limit increase screening for member information whose credit card application screening has been approved by the immediate screening means after the application screening, and the credit limit setting means can set the upper limit of the credit limit in the second credit limit for member information whose credit limit increase screening has been approved by the screening means to an amount that reflects the results of the credit limit increase screening.

In this case, if the system further includes a screening result notifying means for notifying the applicant of the screening result carried out by the immediate screening means or the screening means, the screening result including the changes to the credit limit included in the member information, the screening result notifying means can transmit to the information device a credit limit increase completion notification indicating that the credit limit increase has been carried out for the member information for which the credit limit increase screening has been approved by the screening means.

Furthermore, as another aspect of the present invention, the instantaneous issuance method for a credit card in the instantaneous issuance system for a credit card as described above comprises the following components:
(1) receiving, by an application information receiving means, application information of an applicant related to a credit card from an information device;
(2) when it is not possible to make an inquiry to an external credit information agency by the immediate examination means, immediately carrying out a credit card application examination on the applicant based on the applicant's negative information related to the credit card that is systematically stored in the negative information storage means;
(3) issuing a credit card number to an applicant whose credit card application screening has been approved by the real-time screening means, by the number issuing means;
(4) A step of generating member information by a member information generating means based on the application information and the card number, in which, for the member information whose membership screening has been approved by the immediate screening means on a first date, the member information generating means sets the upper limit amounts of each of the credit limits, consisting of the shopping limit, the installment limit, and the loan limit, to a first positive value, a zero value, and a zero value, respectively, and sets the attachment date of all of the credit limits to the first date;
(5) generating, by a member information generating means, member information of the applicant based on the application information and the card number;
(6) A step of setting, by the credit limit setting means, the upper limit amount and the attached date of each of the shopping limit, the installment limit, and the loan limit as the credit limits included in the member information, in which the credit limit setting means issues only the shopping limit within the credit limit to the member information whose membership screening has been approved on a first date by the instant screening means as a first credit limit, which is a small credit limit based on a monthly contract, which is a contract type not subject to regulations under the Installment Sales Act or the Money Lending Business Act, and sets the upper limit amount and the attached date of the shopping limit to the amount and the first date corresponding to the first credit limit, respectively;
(7) providing member information by the member information providing means in response to the inquiry request received from the information device;
(8) when the examination means is capable of making an inquiry to an external credit information agency, a step of performing a credit card application examination on the applicant based on the inquiry result received from the external credit information agency;
(9) A step of updating the credit limit setting by the credit limit setting means, in which the credit limit setting means issues a shopping limit, an installment limit, and a loan limit as second credit limits based on the Installment Sales Act and the Money Lending Business Act reflecting the results of the screening by the screening means to the member information whose membership screening has been approved on a second date by the screening means, and sets the upper limit amounts and attached dates of the shopping limit, installment limit, and loan limit to the amounts and second dates corresponding to the second credit limit, respectively.

According to the present invention, when a credit card application request is received from an information device of a card applicant, the organization issuing the credit card can immediately issue a credit card number at any time, regardless of the time periods when the external credit information agency is closed or open. Furthermore, even if the card number is issued when the external credit information agency is closed, the organization can conclude various contracts regarding loans or installments with the applicant (card member) after the external credit information agency reopens, without changing the card number.

A more detailed understanding of the embodiments disclosed herein can be had from the following description, taken in conjunction with the accompanying drawings, in which:
1 is a configuration diagram showing the connection form of various systems related to the instant credit card number issuing system according to an embodiment of the present invention. FIG. 1 is a block diagram showing the internal configuration of a real-time credit card number issuing system according to an embodiment of the present invention. 2 is a flowchart showing a card issuing process in the instant credit card number issuing system according to an embodiment of the present invention. 4 is a table showing the credit limit setting status as a result of each process of card issuance shown in FIG. 3. 2 is a flowchart showing in more detail the overnight instant issuance process during foreign currency closure hours by the instant credit card issuance system according to an embodiment of the present invention. 2 is a flowchart showing in more detail the overnight instant issuance process during foreign currency closure hours by the instant credit card issuance system according to an embodiment of the present invention. FIG. 5B is a diagram showing the processing cooperation between the internal components of the credit card real-time numbering system shown in FIG. 2 during the night-time real-time numbering process shown in FIGS. 5A and 5B. FIG. 5B is a diagram showing the processing cooperation between the internal components of the credit card real-time numbering system shown in FIG. 2 during the night-time real-time numbering process shown in FIGS. 5A and 5B. FIG. 5B illustrates the various data or material flows between the various systems involved in the overnight real-time numbering process illustrated in FIGS. 5A and 5B. FIG. 5B illustrates the various data or thing flows between the various systems involved in the night-time real-time numbering process illustrated in FIGS. 5A and 5B. 4 is a flowchart illustrating in more detail the process of real-time issuance of credit card numbers during the foreign credit opening hours according to an embodiment of the present invention; 4 is a flowchart illustrating in more detail the process of real-time issuance of credit card numbers during the foreign credit opening hours according to an embodiment of the present invention; FIG. 8B illustrates the processing linkages between the internal components of the credit card real-time numbering system shown in FIG. 2 during the intraday real-time numbering process shown in FIGS. 8A and 8B. FIG. 8B illustrates the processing linkages between the internal components of the credit card real-time numbering system shown in FIG. 2 during the intraday real-time numbering process shown in FIGS. 8A and 8B. FIG. 8C illustrates the various data or material flows between the various systems involved in the intraday real-time numbering process illustrated in FIGS. 8A and 8B. FIG. 8C illustrates the various data or material flows between the various systems involved in the intraday real-time numbering process illustrated in FIGS. 8A and 8B.

Below, an embodiment of the present invention will be described in detail with reference to the drawings. Note that the same reference numerals in multiple drawings represent the same components, and the repeated description will be omitted.

[Connections of various systems]
Fig. 1 is a block diagram showing the connection of various systems related to an instant credit card number issuing system according to one embodiment of the present invention. In Fig. 1, a scenario is assumed in which an applicant for membership 110 uses a web application 114 installed on an information device 112 to access an EC site system 120 published on a communication line 100. Here, it is further assumed that the applicant for membership 110 recognizes that he or she needs to present credit card information to purchase products and the like sold on the EC site system 120, and after checking the card information using a card issuing company system 130, uses the card information for electronic payment to purchase the product.

As shown in FIG. 1, the card issuing company system 130 is configured to include a real-time credit card numbering system, and performs the processes required for issuing credit cards in cooperation with external systems such as an external credit information agency system 140, a negative information agency system 150, and a card printing company system 160, which are communicatively connected via a communication line 100. Note that the communication line 100 may be, for example, a public line type network that realizes telephone communication and data communication, or may include as part of a dedicated line type network that provides a limited communicative connection between specific systems.

The information device 112 present on the membership applicant 110 side is an information device that can be used without time constraints, and is used to apply for card membership for the issuance of a credit card at the card issuing company system 130 using the web application 114, to inquire about card information required for cashless payment, and then to apply the card information to electronic payments such as for purchasing products at the EC site system 120.

Here, the information device 112 includes a general-purpose PC (personal computer), tablet computer, smartphone, etc. The web application 114 includes a generally available web browser for end users, or a dedicated application that functions specifically for individual access to the EC site system 120 or the card issuing company system 130. The information device 112 also includes various applications that handle mailer or SMS (short message service) services that can send and receive e-mail or short messages via the communication line 100.

The EC site system 120 is open to the general public on the communication line 100, for example as an online shopping mall type website. When the EC site system 120 receives a purchase request for a product, service, etc. from an information device 112 running a web application 114, it requests a cashless payment from the card issuer system 130 based on the credit card information provided by the applicant (card member) 110, and transmits the payment result received from the card issuer system 130 to the information device 112.

The card issuing company system 130 is a system that issues credit cards to the applicant 110 as an issuer and provides a payment agency service to the applicant (card member) 110. When the card issuing company system 130 receives a request for a credit card application from an information device 112 running a web application 114, it determines the method of credit screening for the applicant 110 and then transmits the results of the credit screening to the information device 112 based on the inquiry results obtained from the external credit information agency system 140 or the negative information agency system 150, respectively. If the screening result is approval, the card issuing company system 130 immediately issues a card number as the credit card information to be issued, and the applicant (card member) 110 can inquire about this card number.

The external credit information agency system 140 is one or more systems that collect and manage personal credit information and the like relating to users, which is registered as objective fact by each card issuing company affiliated with the external credit information agency, regarding the user's card transaction status (e.g., credit, loans, installments, etc.). When the external credit information agency system 140 receives an inquiry request relating to the applicant (card member) 110 from the card issuing company system 130 during specified reception hours (opening hours), it transmits the credit information and the like of the applicant (card member) 110 to the card issuing company system 130 as needed.

The negative information agency system 150 is one or more systems that collect and manage negative information (i.e., black information, blacklists, etc.) including late payments, subrogation, bad debts, etc., from among personal credit information held by card issuers or external credit information agencies, etc. The negative information agency system 150 periodically transmits negative information on card users, etc., to the card issuer system 130 based on a predetermined plan for card issuers that have contracts with the negative information agency.

The card printing company system 160 is a system that manufactures and prints credit cards and card bases for the applicant (card member) 110 and provides these products to the applicant (card member) 110. When the card printing company system 160 receives a card issuance instruction request from the card issuing company system 130 for a card issuing company that has a contract with the card printing company, it sends the credit card and card base by mail to the applicant (card member) 110 and transmits the issuance results to the card issuing company system 130.

[Internal configuration of the instant credit card numbering system]
Fig. 2 is a block diagram showing the internal configuration of the real-time credit card numbering system included in the card issuing company system 130. As shown in Fig. 2, the card issuing company system 130 is configured similarly to a computer for general server use, and comprises a control unit 210, a main memory unit 220, an interface unit 230, an output unit 240, and an auxiliary memory unit 250, which are connected to each other via a system bus 200 so as to be able to communicate with each other.

The auxiliary memory unit 250 contains an application procedure unit 252, an examination method determination unit 254, a night examination unit 256, a regular examination unit 258, an examination result notification unit 260, a usage procedure unit 261, a number issuing unit 262, a member information generation unit 264, a usage limit setting unit 266, a daily foreign card registration unit 268, a member information inquiry/setting unit 270, a foreign card inquiry unit 272, a card cancellation unit 274, and a card issuance instruction unit 276, each of which is constructed with application programs that handle the processing of various data. The programs held in these components are loaded into the main memory unit 220 based on a call instruction from the control unit 210, and perform various calculation processing.

Furthermore, the auxiliary memory unit 250 includes a negative information memory unit 280 and a member information memory unit 282, which manage data and programs in the form of files/databases, respectively. The data and programs stored in these components are loaded into the main memory unit 220 based on a call instruction from the control unit 210, and are used to process various calculations.

The control unit 210 functions as a central processing unit (CPU) and controls the operation of individual system components and performs data calculations, in particular loading data and programs stored in the auxiliary storage unit 250 into the main storage unit 220 to perform various calculations. The main storage unit 220 functions as a main memory and stores various data and programs input from the interface unit 230 and the auxiliary storage unit 250 based on instructions from the control unit 210, as well as computer-executable instructions, and saves data after calculations have been performed on these.

The interface unit 230 functions as an interface when sending and receiving various data between the external credit information agency system 140, the negative information agency system 150, and the card printing company system 160, as well as other internal systems and devices, and also provides an interface for accepting various commands and data (e.g., various master and table data, etc.) input by the system operator. The output unit 240 generates output data for displaying various processed data to the operator and output data for printing the data.

The embodiment of the internal configuration of the instant credit card numbering system may be one that functions as a single system configuration. Therefore, as an example of the embodiment, it may be placed inside a single server computer, each system component may be configured as multiple sets of units in parallel and distributed, or multiple server computers may be combined to share data and programs.

The application procedure unit 252, as an application information receiving means, receives a credit card application and executes various processes related to the application acceptance procedure. More specifically, when the application procedure unit 252 receives a request for the application of the applicant 110 from the information device 112, it sends an input form to the information device 112 of the applicant (card member) requesting input of information required for card application (e.g., name, date of birth, gender, postal code, address, telephone number, email address, and workplace information, etc.), and receives the applicant information of the applicant 110 entered by the applicant from the input form displayed on the web application 114.

The screening method determination unit 254 determines the screening method according to the result of judging whether or not to inquire the external credit information agency system 140 based on the current time, etc., according to the result of the inquiry to the external credit information agency system 140, or according to the intention of the membership applicant 110. When the external credit information agency system 140 cannot be inquired (i.e., the external credit information agency is closed), a night screening (immediate treatment) is determined as the screening method, and when the external credit information agency system 140 can be inquired (i.e., the external credit information agency is open), a main screening (complementary to the night screening), a daytime screening (immediate treatment), or a normal screening (no immediate screening) is determined as the screening method. Note that, as described below, even if a night screening is conducted, the main screening will be conducted subsequently to ensure the quality of the screening. In addition, as a result of determining the qualifications of the applicant 110 based on various circumstances of the organization related to the card issuing company system 130 or various attributes of the applicant 110, night screening may not be applicable and only regular screening (without immediate issue) may be permitted.

The nighttime screening unit 256, as an immediate screening means, performs a nighttime screening for the credit card application of the applicant 110 based on an internal process that mainly includes referencing the negative information stored in the negative information storage unit 280 when an external inquiry to the external credit information agency system 140 is not possible, such as when the external credit information agency is closed (outside of reception hours). The time required for the nighttime screening by the nighttime screening unit 256 is shortened considerably compared to the approximately 10 minutes required for a normal screening (not immediate) by the normal screening unit 258 described below, and can be, for example, as short as 10 seconds.

The regular screening unit 258, as the regular screening means, daytime screening means, or regular screening means, when an external inquiry to the external credit information agency system 140 is possible, such as when the external credit information agency is open (within reception hours), mainly based on the inquiry results received from the external credit information agency system 140, and also based on reference to negative information already stored in the negative information storage unit 280, performs the regular screening, daytime screening, or regular screening for the applicant 110 regarding credit card application.

The credit screening carried out by the regular screening unit 258 is classified into the following three types: (1) If a night screening has already been carried out and an external communication inquiry is possible, a main screening based on an external communication inquiry (supplement to the night screening) is further carried out on the applicant information for which a night screening has already been carried out. (2) If a night screening has not been carried out and an external communication inquiry is possible, a daytime screening based on an external communication inquiry (treated as immediate issuance) is carried out on the applicant information for which a nighttime screening has not been carried out. (3) If a daytime screening has been carried out but there are deficiencies in the applicant information or the results of the external communication inquiry, a regular screening based on an external communication inquiry (not immediate issuance) is further carried out on the applicant information for which a daytime screening has already been carried out.

The screening result notification unit 260, as a screening result notification means, notifies the results of the night screening conducted by the night screening unit 256 when an external credit inquiry to the external credit information agency system 140 is not possible, or the results of the main screening, daytime screening, or regular screening conducted by the regular screening unit 258 when an external credit inquiry to the external credit information agency system 140 is possible, on the display screen of the Web application 114, or sends them as an e-mail to the information device 112, regardless of whether the screening result is approved or not.

If the result of the night screening, main screening, or daytime screening is approval, the usage procedure unit 261 performs various procedures such as identity authentication, usage limit information, and member web service registration for the applicant. Identity authentication includes, for example, two-step authentication using telephone number authentication.

The number issuing unit 262, as a number issuing means, issues a credit card number to the applicant 110 if the result of the night screening, or the main screening, the daytime screening, or the normal screening is approval. The credit card number issued by the number issuing unit 262 has the same value as the card number assigned to the credit card issued by the card issuance instruction unit 276 described below.

The member information generating unit 264, as a member information generating means, generates member information of the applicant for membership (card member) by adding card information, including the card number issued by the number issuing unit 262, to the applicant information of the applicant for membership 110 received by the application procedure unit 252, and reflecting this in the temporary member information already created in the member information storage unit 282. The card information also includes information required for payment by credit card, such as the credit card card number, expiration date, and security code.

When member information is newly registered in the member information storage unit 282, the credit limit setting unit 266, as a credit limit setting means, sets the upper limit of each of the multiple types of credit limits that can be applied for by the card member (applicant for membership) 110 to a predetermined value as the contents of the contract between the card member and the card issuer based on the results of a credit review, and stores the set upper limit in the member information storage unit 282. These credit limits include a shopping limit based on a card subscription contract, an installment limit based on an installment contract, and a loan limit based on a loan contract.

The external credit information daily registration unit 268 transmits the changes to the member information as daily registration details to the external credit information agency system 140 on each opening day of the external credit information agency every time the upper limit amount (settable credit limit amount) of the credit line included in the member information stored in the member information storage unit 282 is updated.

The member information inquiry/setting unit 270 functions as a member information providing means, and after the member information is registered in the member information storage unit 282, notifies the card member (applicant) 110 of card information including the credit card number, expiration date, and security code on the display screen of the web application 114. In addition, when the card member (applicant) 110 inquires about member information at the card issuer system 130, the member information inquiry/setting unit 270 presents the contents of the contract between the card member and the card issuer on the display screen of the web application 114.

When an external credit inquiry to the external credit information agency system 140 is possible, the external credit inquiry unit 272 sends a request for an inquiry of personal credit information on the applicant 110 as a credit inquiry to the external credit information agency system 140, and receives the inquiry result from the external credit information agency system 140.

If the result of the night screening is approval and the result of the subsequent main screening is disapproval, the card cancellation unit 274 executes the procedure for canceling the credit card for the applicant 110. More specifically, the card cancellation unit 274 sets the card number of the credit card issued by the number issuing unit 262 to invalid for the applicant 110.

The card issuance instruction unit 276, as a card issuance instruction means, sends issuance instructions, including the creation and shipping of a credit card, to the card printing company system 160 based on the member information, including each setting content of the credit limit, stored in the member information storage unit 282, and receives the issuance result from the card printing company system 160.

The negative information storage unit 280 serves as a negative information storage means and stores information on payment terms including occurrence of late payments and commencement of bankruptcy proceedings, and changes in total amount, etc., as negative information from personal credit information, etc. This negative information is periodically updated based on negative information provided in a planned manner from at least one of the multiple negative information agency systems 150, which are external agencies. Note that, if it is possible to access the negative information without time constraints, the negative information storage unit 280 may be installed outside the card issuing company system 130, without being limited to being inside the card issuing company system 130.

The member information storage unit 282, as a member information storage means, stores and manages the member information input from the member information generation unit 264, and outputs the member information queried by the member information query/setting unit 270 as a query result.

[Process flow overview of the instant credit card numbering system]
Fig. 3 is a flow chart showing the outline of the credit card issuing process for daytime real-time numbering and nighttime real-time numbering in the real-time credit card numbering system included in the card issuing company system 130. Fig. 4 is a table showing the credit limit setting status as a result of each process of the card issuance shown in Fig. 3.

As shown in FIG. 3, in the card issuing company system 130, when a request for application for membership is received from the applicant 110 in step 300, a daytime real-time number issuance process or a nighttime real-time number issuance process is started depending on the current time (daytime or nighttime), etc. Note that as a result of determining the qualifications of the applicant 110 in accordance with various circumstances of the organization related to the card issuing company system 130 or various attributes of the applicant 110, the nighttime screening may not be applicable and only the main screening may be permitted.

If an external inquiry to the external credit bureau system 140 is possible at this current time (i.e., it is a time period when the external credit bureau is open (daytime)), the daytime real-time numbering process is initiated. On the other hand, if an external inquiry to the external credit bureau system 140 is not possible at this current time (i.e., it is a time period when the external credit bureau is closed (nighttime)), the daytime real-time numbering process is initiated. Note that the daytime period is, for example, after 9:00 on the current day and before 19:30 on the same day, and the nighttime period is, for example, after 19:30 on the current day and before 9:00 the next day.

In the instant daytime credit card numbering process, during the day on the day of the application for membership (day N), an external credit inquiry is made for the applicant 110 as an initial credit check in step 302, and then a credit check is made on the applicant 110 in the form of an intraday check (instant issue) in step 304. If the check results in approval, the application is approved in step 306. Next, in step 308, a setting process is carried out to change the credit limit included in the member information, including the shopping limit, installment limit, and loan limit.

As shown in FIG. 4, the credit limits included in the membership information of the new applicant (card member) reflecting the contract details at the time of card issuance are set to predetermined upper limits, for example, 300,000 yen, 300,000 yen, and 100,000 yen, respectively, for the shopping limit (card enrollment date: N day), installment limit (installment attachment date: N day), and loan limit (loan attachment date: N day), as shown in FIG. 4. These upper limits are set as credit limits based on the Installment Sales Act and the Money Lending Business Act, reflecting the details of the intraday screening means.

As shown in FIG. 3, in the case of instant night-time issuance of a credit card, a credit check is carried out on the applicant 110 in the form of a night-time check in step 310 during the nighttime hours on the day of the card application (day N), and if the check results in approval, the application approval procedure is carried out in step 312.

As shown in FIG. 4, the credit limits included in the membership information of the new applicant (card member) reflecting the contract details at the time of card issuance are set to predetermined upper limits, for example, 50,000 yen, 0 yen, and 0 yen, respectively, for the shopping limit (card enrollment date: Nth day), installment limit (installment attachment date: no attachment), and loan limit (loan attachment date: no attachment). Note that these upper limits are set as small credit limits based on a monthly contract, which is a contract type that is not subject to regulations under the Installment Sales Act or the Money Lending Business Act, such as a monthly contract that is not subject to the Installment Sales Act or the Money Lending Business Act, or a credit limit based on a one-time small-amount shopping contract.

As shown in FIG. 3, in the case of instant night-time issuance of a credit card, on the day after the application for membership (day N+1), an external credit inquiry is carried out as an initial credit check in step 330, and then a credit check is carried out in the form of a main check (a supplement to the night-time check) in step 332. If the check result is approval, in step 334, changes are made to the credit limit included in the member information, such as an increase in the shopping limit, and updates to the credit limit and installment limit.

As shown in FIG. 4, at this time, the shopping limit (card entry date: N day), installment limit (installment attachment date: N+1 day), and loan limit (loan attachment date: N+1 day) as the credit limits included in the member information of the existing card member reflecting the contract details at the time of card issuance are updated to predetermined upper limits, for example, 300,000 yen, 300,000 yen, and 100,000 yen, respectively. However, as described later, the card entry date will be set to "N+1 day" when printed on the card mount of the credit card. Note that these upper limits are set, for example, as credit limits based on the Installment Sales Act and the Money Lending Business Act that reflect the contents of the review by this review means.

[Detailed process flow of the instant credit card numbering system]
(Details of the process for immediate night-time number issuing)
Figures 5A and 5B are flow charts showing in detail the night-time real-time numbering process during the foreign bank's closed hours by the credit card real-time numbering system included in the card issuing company system 130. Figures 6A and 6B are diagrams showing the processing cooperation between the internal components of the credit card real-time numbering system shown in Figure 2 in the night-time real-time numbering process shown in Figures 5A and 5B. Figures 7A and 7B are diagrams showing the flows of various data or things between various systems included in the night-time real-time numbering process shown in Figures 5A and 5B.

(Creating a temporary member information file)
As shown in FIG. 5A, in the credit card night real-time numbering process of the card issuing company system 130, in step 500, a predetermined number of temporary member information files created in advance in a lump sum by the credit card core business system included in the card issuing company system 130 are stored in the member information storage unit 282 in an invalid state. Note that the temporary member information is set with attribute information of the dummy member (e.g., name: dummy name, place of employment: blank, expiration date: last day of the month before the processing date, upper limit of shopping limit: 50,000 yen, etc.). The card number of the temporary member information includes a bank identification number (BIN) or issuer identification number (INN) (6 digits) indicating an international brand card rather than a house card, and a predetermined card code (8 to 10 digits, etc.). Furthermore, the foreign card registration exclusion code of the temporary member information is set to an ON state at the time of advance creation so that it is not subject to foreign card registration.

(Acceptance of membership applications)
As shown in Figures 5A, 6A, and 7A, in the card issuer system 130, during the night on the day of the card application (day N), in step 510, the applicant 110 carries out the application procedure by inputting his/her consent to the membership terms and conditions displayed in the Web application 114 already installed on the information device 112. After that, the application procedure unit 252 receives a card application request 700 from the information device 112 and transmits applicant information setting data 702 to the information device 112 in order to display the applicant information setting form on the Web application 114.

Next, when the application procedure unit 252 receives the applicant information input data 704 from the information device 112, it sends an application completion notification email 706, which includes an application form number notification, to the information device 112 as a result of completing the acceptance of the applicant information. The member information generation unit 264 organizes one of the temporary member information files already created in the member information storage unit 282 into a valid state, and stores the applicant information organized based on the applicant information input data 704 in this temporary member information file.

Next, in step 512, the application procedure unit 252 sends the account transfer setting data 708 to the information device 112 in order to display the credit card debit account setting form on the web application 114, and upon receiving the account transfer input data 710 from the information device 112, sends the account transfer setting completion result to the information device 112.

Next, in step 514, the application procedure unit 252 transmits pre-document display data 712 to the information device 112 in order to display on the Web application 114 a pre-cashing document including a credit limit setting for cash borrowing, etc. based on the application from the applicant 110. When the pre-document approval data 714 is received from the information device 112, the application procedure unit 252 transmits a completion result of the pre-document acceptance to the information device 112. As described above with reference to FIG. 4, the pre-document displays the contract contents according to the customer's desired amount. For example, the credit limits included in the provisional member information of the applicant 110 are displayed as the shopping limit (card joining date: not specified, upper limit: 50,000 yen), the installment limit (installment attachment date: not attached, upper limit: 0 yen), and the loan limit (loan attachment date: not attached, upper limit: 0 yen).

Next, in step 516, the screening method determination unit 254 determines that an external inquiry to the external credit information agency system 140 is not possible based on the current time (nighttime), etc., and determines the credit screening method to be night screening. The screening method determination unit 254 may also determine the screening method to be night screening based on the execution result of the inquiry to the external credit information agency system 140 indicating that an external inquiry is not possible. Also, if the night screening is not applicable and only the main screening is permitted as a result of the qualifications of the applicant 110 being determined in accordance with various circumstances of the organization related to the card issuing company system 130 or various attributes of the applicant 110, the process proceeds to step 524.

(Implementation of night examinations)
Next, in step 520, the nighttime screening unit 256 refers to the negative information of the applicant 110 from the negative information storage unit 280 and performs a credit screening for the credit card application in the form of a nighttime screening. If the screening result is OK (approved), the process proceeds to step 526, but if the verification result is NG (not approved) or incomplete (insufficient information), the process proceeds to step 522 or 524, respectively.

As shown in Figures 5A, 6A, and 7A, in step 522, the night screening unit 256 sets the applicant information (temporary member information) for which the night screening result has been rejected to an automatic withdrawal status based on the dummy card code in the card number as the entry linkage target. Next, the screening result notification unit 260 sends a night screening completion notification email 716 containing the night screening result (rejected) to the information device 112, and also sends night screening completion data 718 to the information device 112 to display the night screening result on the web application 114.

In step 524, the night screening unit 256 sets the applicant information (temporary member information) for the applicant information for which the night screening result has resulted in deficiencies in the applicant information, etc., as the entry linkage target for the regular screening (no immediate action) scheduled to be conducted during the daytime on the following day (N+1 day). Next, the screening result notification unit 260 sends a night screening completion notification email 716 including the night screening result (deficiencies) to the information device 112, and also sends night screening completion data 718 to the information device 112 to display the night screening result on the web application 114. After this, proceed to step 540.

In step 526, the night screening unit 256 sets the applicant information (temporary member information) as the entry linkage target for the applicant information for which the night screening result has been approved, based on the dummy card code in the card number. Next, the screening result notification unit 260 sends a night screening completion notification email 716 containing the night screening result (approval) to the information device 112, and also sends night screening completion data 718 to the information device 112 to display the night screening result on the Web application 114. The email body of the night screening completion notification email 716 contains a URL (Uniform Resource Locator) that identifies a resource for guiding the user to the personal approval process.

Next, when the applicant 110 calls the telephone number specified by the card issuing company system 130 as an identity verification request 720 from the information device 112 based on the applicant's access to the URL listed in the nighttime screening completion notification email 716, the usage procedure section 261 also verifies that the telephone number in the applicant information is usable when identity verification is performed. If the verification result is OK, the process proceeds to step 528, but if the verification result is NG, the process proceeds to step 524.

(Generating card information)
Next, in step 528, the credit application section 261 transmits credit application display data 726 including credit limit information to the information device 112 in order to display a credit application display form on the Web application 114 for the applicant information whose nighttime screening result has been approved. As described above with reference to Fig. 4, at this time, the credit limit for the applicant 110 is displayed on the Web application 114 as follows: shopping limit (card enrollment date: N days, upper limit: 50,000 yen), installment limit (installment attachment date: not attached, upper limit: 0 yen), and loan limit (loan attachment date: not attached, upper limit: 0 yen).

Next, for the applicant information whose night-time screening results have been approved, the usage procedure unit 261 sends the service registration data 728 to the information device 112 in order to display the Web member service registration form on the Web application 114, receives the registration information input data 730 from the information device 112, and sets the applicant information as a registration target for the Web member service.

Next, in step 530, the number issuing unit 262 issues a card number for a new credit card (including the BIN or INN (6 digits) indicating an international brand card, and a permanent card code (member account number and check digit) (8 to 10 digits, etc.)) for the applicant information whose night screening result was approved. Next, the member information generating unit 264 changes the attribute data of the temporary member information by reflecting the card number issued by the number issuing unit 262 in addition to the applicant information acquired by the application procedure unit 252 in the temporary member information file already created in the member information storage unit 282 corresponding to the applicant information whose night screening result was approved.

Then, the credit limit setting unit 266 changes the attribute information of the provisional member information for the applicant information for which the night screening result has been approved, by reflecting the credit limit settings (e.g., the attachment date and the upper limit, etc.) in the provisional member information file already created in the member information storage unit 282. As described above with reference to FIG. 4, at this time, the credit limits included in the main member information of the card member (applicant for membership) 110 are changed to the shopping limit (card joining date: N days, upper limit: 300,000 yen), the installment limit (installment attachment date: N+1 days, upper limit: 300,000 yen), and the loan limit (loan attachment date: N+1 days, upper limit: 100,000 yen). However, as described later, the card joining date will be set to "N+1 days" when printed on the card mount of the credit card. In addition, different values can be set for each upper limit based on the qualifications of the applicant for membership 110.

(Card information inquiry)
Next, in step 532, when the member information inquiry/setting unit 270 receives a card information inquiry request 732 from the information device 112 by the temporary card member (membership applicant) 110, it references the temporary member information from the member information storage unit 282 and sends card information inquiry data 734, which includes the card number, card expiration date, security code, etc., to the information device 112 in order to display the card information inquiry form on the Web application 114.

The temporary card member (membership applicant) 110 is now able to carry out electronic commerce to purchase products, services, etc. That is, when the EC site system 120 receives a product purchase request 740 sent by the membership applicant (card member) 110 from the information device 112, it sends a purchase settlement request 742 to the EC site system 120. Next, when the EC site system 120 receives settlement result data 744 sent from the card issuer system 130, it sends purchase result data 746 to the information device 112.

(Implementation of the main review)
As shown in Figures 5B, 6B, and 7B, during the daytime on the day after the card application (N+1 day), in card issuer system 130, in step 540, the credit card core business system included in card issuer system 130 integrates the member data of the same person that is distributed across multiple databases within the credit card core business system into the latest state as a name match for the temporary member information compiled in member information storage unit 282 during the nighttime of the previous day (N day).

Then, the external credit inquiry unit 272 extracts the provisional member information compiled during the nighttime hours of the previous day (Nth day) from the member information storage unit 282, sends an external credit inquiry request 750 to the external credit information agency system 140 as an external credit inquiry (initial credit) to one or more external credit information agency systems 140, and receives credit information data 752 from the external credit information agency system 140 as the external credit inquiry result.

Next, in step 542, the regular screening section 258 refers to each piece of credit information collected by the foreign credit inquiry section 272 for the provisional member information, and performs a credit screening for the credit card application in the form of a full screening. If the screening result is OK (approved), the process moves to step 550, but if the verification result is NG (not approved) or incomplete (insufficient information), the process moves to step 544 or 546, respectively.

Next, in step 544, the screening result notification unit 260 sends to the information device 112 a screening completion notification email 754 including the screening result (not approved) for the provisional member information for which the screening result was not approved. After this, the process proceeds to step 560 during the night hours on the day following the card application (day N+1).

Next, in step 546, the regular review section 258 performs the corresponding process to correct the deficiencies in the applicant information or foreign currency inquiry results, which are also performed in the regular review (without immediate dispatch), for the temporary member information for which the review has revealed deficiencies, and then proceeds to step 540.

Next, in step 550, the review result notification unit 260 sends to the information device 112 a review completion notification email 754 including the review result (approval) for the temporary member information for which the review result has been approved. Note that the email body of the review completion notification email 754 includes a URL that identifies a resource for directing the user to the personal approval process.

Next, when the applicant 110 calls the telephone number specified by the card issuing company system 130 as an identity verification request 756 from the information device 112 based on the applicant's access to the URL listed in the screening completion notification email 754, the usage procedure section 261 also verifies that the telephone number in the applicant information is usable when identity verification is performed. If the verification result is OK, the process proceeds to step 552, but if the verification result is NG, the process proceeds to step 546.

Next, in step 552, the usage procedure unit 261 transmits legal document display data 762 to the information device 112 in order to display the legal document (e.g., PDF file, etc.) on the Web application 114 for the provisional member information for which the result of the main examination has been approved, and transmits the completion result of legal document acceptance to the information device 112 when it receives legal document acceptance data 764 from the information device 112. As described above with reference to FIG. 4, the legal document displays the shopping limit (card joining date: N days, upper limit: 300,000 yen), installment limit (installment attachment date: N+1 days, upper limit: 300,000 yen), and loan limit (loan attachment date: N+1 days, upper limit: 100,000 yen) as the usage limits included in the main member information of the new membership applicant (card member). However, as described later, the card joining date is set to "N+1 days" when printed on the card mount of the credit card. Additionally, each upper limit can be set to a different value based on the qualifications of the applicant 110.

(Card cancellation)
5B, 6B, and 7B, during the night hours on the day following the card application (day N+1), in step 560, in card issuer system 130, card cancellation unit 274 executes card cancellation processing for the temporary member information for which the result of the main screening has been rejected, on the temporary member information file stored in member information storage unit 282. At this time, for the temporary member information file stored in member information storage unit 282, the card number is updated to an invalid state, and the foreign card registration ineligible code is updated to an OFF state.

(Update card information)
5B, 6B, and 7B, during the night hours on the day following the card application (N+1), in the card issuer system 130, in step 572, the credit limit setting unit 266 updates the credit limit setting (e.g., upper limit) as a primary member information file for the temporary member information file already created in the member information storage unit 282 for the primary member information for which the result of the main screening has been approved. As described above with reference to FIG. 4, at this time, the credit limits included in the primary member information of the card member (application applicant) 110 are changed to the shopping limit (card enrollment date: N day, upper limit: 300,000 yen), installment limit (installment attachment date: N+1 day, upper limit: 300,000 yen), and loan limit (loan attachment date: N+1 day, upper limit: 100,000 yen).

Next, in step 574, for the main member information for which the result of the main review has been approved, the member information generation unit 264 reflects the latest attribute information at the time of completion of the main review for the member data of the same person existing in multiple databases within the credit card core business system, based on the main member information file already created in the member information storage unit 282.

Next, in step 576, the credit limit setting unit 266 updates the credit limit settings (e.g., card enrollment date and attachment date) for the primary member information file already created in the member information storage unit 282 for the primary member information for which the result of the main review has been approved. At this time, the credit limits included in the primary member information of the new applicant (card member) are changed to the contents also displayed in the legal document, including the shopping limit (card enrollment date: N days, upper limit: 300,000 yen), installment limit (installment attachment date: N+1 days, upper limit: 300,000 yen), and loan limit (loan attachment date: N+1 days, upper limit: 100,000 yen). In addition, the foreign credit registration exclusion code for the primary member information file already stored in the member information storage unit 282 is updated to the off state.

Next, in step 578, the member information generation unit 264 registers, for the member information whose main review has resulted in approval, a negotiation content code setting indicating that the member information is subject to night-time immediate numbering for negotiation history purposes in the member information file already created in the member information storage unit 282. The negotiation content code is used to link data with an external debt collection agency system (not shown) to the negotiation content for which the night-time immediate numbering date is the card joining date.

Next, for the main member information for which the result of this review is approved, the foreign credit daily registration unit 268 sends a foreign credit registration request 770 to the external credit bureau system 140 as daily registration for one or more external credit bureau systems 140 based on the usage limit setting for the main member information, and receives registration result data 772 from the external credit bureau system 140. Note that for main member information for which the result of this review is not approved, if the foreign credit registration exclusion code is set to off, it will be included in the daily registration for the external credit bureau system 140.

(Sending notification of completion of increase in quota)
As shown in Figures 5B, 6B, and 7B, on the day after the day following the card membership application (N+2 days), in step 580, in the card issuer system 130, the screening result notification section 260 sends to the information device 112 a credit limit increase completion notification email 780 indicating that an increase in the credit limit (e.g., shopping limit, installment limit, and loan limit) has been implemented for the main member information for which the screening result has been approved.

(Instructions for issuing cards)
In step 582, the card issuance instruction unit 276 sends a card issuance request 782 to the card printing company system 160 to instruct the issuance of a credit card for the main member information that has been approved as a result of the main review, and receives issuance result data 784 from the card printing company system 160.

As shown in Figures 6B and 7B, on or after the day after the day after the card application (N+3 days), the card printing company system 160 sends by mail to the card member (applicant) 110 a shipment 790 including the credit card to be issued and a card base for the member information for which a card issuance instruction has been received, and the applicant (card member) 110 receives by mail the shipment 790 including the credit card to be applied for and a card base. The card base displays the credit limit updated on the day after the card application (N+1 days) as the card joining date, installment attachment date, and loan attachment date.

[Detailed process flow for intraday instant issuance of credit cards]
(Details of the process for immediate daytime numbering)
Figures 8A and 8B are flow charts showing in detail the daytime real-time numbering process during the foreign credit card opening hours by the real-time credit card numbering system included in the card issuing company system 130. Figures 9A and 9B are diagrams showing the processing cooperation between the internal components of the real-time credit card numbering system shown in Figure 2 in the daytime real-time numbering process shown in Figures 8A and 8B. Figures 10A and 10B are diagrams showing the various data or material flows between the various systems included in the daytime real-time numbering process shown in Figures 8A and 8B. Note that in this case, unlike the detailed process of nighttime real-time numbering, a permanent member information file is generated and used as needed without using a pre-created temporary member information file.

(Acceptance of membership applications)
8A, 9A, and 10A, during the daytime on the day of the card application (day N), in step 510, in card issuer system 130, applicant 110 executes a card application by inputting consent to the application terms and conditions displayed in web application 114 installed on information device 112, and then application procedure section 252, upon receiving card application request 700 from information device 112, transmits applicant information setting data 702 to information device 112 in order to display an applicant information setting form on web application 114. Note that the content of this step is similar to the step with the same reference numeral in the above-mentioned credit card nighttime real-time number issuing process.

Next, in step 512, the application procedure unit 252 sends the account transfer setting data 708 to the information device 112 in order to display the credit card debit account setting form on the web application 114, and upon receiving the account transfer input data 710 from the information device 112, sends the account transfer setting completion result to the information device 112.

Next, in step 514, the application procedure unit 252 transmits pre-document display data 712 to the information device 112 in order to display on the Web application 114 a pre-cashing document including a credit limit setting for cash borrowing, etc. based on the application from the applicant 110. Upon receiving pre-document approval data 714 from the information device 112, the application procedure unit 252 transmits a completion result of the pre-document acceptance to the information device 112. As described above with reference to FIG. 4, the pre-document displays the amount that the applicant wishes to apply for. For example, the credit limits included in the main member information of the applicant 110 are the shopping limit (card enrollment date: N days, upper limit: depends on product quality), the installment limit (installment attachment date: N days, upper limit: depends on product quality), and the loan limit (loan attachment date: N days, upper limit: depends on product quality).

Next, in step 516, the screening method determination unit 254 determines that an external credit inquiry to the external credit information agency system 140 is possible based on the current time (daytime), etc., and determines the credit screening method to be intraday screening (prompt handling, i.e., immediate issuance during the day). Note that the screening method determination unit 254 may determine the screening method to be intraday screening based on the execution result of the external credit information agency system 140 indicating that an external credit inquiry is possible.

(Implementation of day-to-day examinations)
Next, in step 540, in order to perform name matching regarding the applicant information to be reviewed, the credit card core business system included in the card issuing company system 130 integrates the member data of the same person that is distributed across multiple databases within the credit card core business system into the latest state.

Next, the external credit inquiry unit 272 sends an external credit inquiry request 750 to one or more external credit information agency systems 140 as an external credit inquiry (initial credit) for the applicant information to be reviewed, and receives credit information data 752 from the external credit information agency system 140.

Next, in step 542, the regular screening section 258 refers to each credit information collected by the foreign credit inquiry section 272 for the applicant information to be screened, and also refers to negative information extracted from the negative information storage section 280, which is periodically updated by the negative information agency system 150, and performs a credit screening for credit card application in the form of an intraday screening (immediate treatment). Here, if the screening result is OK (approved), the process proceeds to step 550, but if the verification result is NG (not approved) or incomplete (insufficient information), the process proceeds to step 544 or 546, respectively.

Next, in step 544, the review result notification unit 260 sends a daytime review completion notification email 755 containing the daytime review result (not approved) to the information device 112 for the applicant information for which the daytime review result was not approved.

Next, in step 546, the regular review section 258 performs a response process for the applicant information for which the daytime review has revealed deficiencies, to correct the deficiencies in the applicant information or foreign currency inquiry results, which is also performed in regular reviews (without immediate dispatch), and then proceeds to step 540.

Next, in step 550, the review result notification unit 260 sends a daytime review completion notification email 755 containing the daytime review result (approval) to the information device 112 for the applicant information for which the daytime review result was approved. Note that the email body of the daytime review completion notification email 755 contains a URL that identifies a resource for directing the applicant to the personal approval process.

Next, when the applicant 110 calls the telephone number specified by the card issuing company system 130 as an identity authentication request 756 from the information device 112 based on the applicant's access to the URL listed in the screening completion notification email 754, the usage procedure unit 261 also verifies that the telephone number in the applicant information is usable when performing identity verification. If the verification result is OK, the process proceeds to step 552, but if the verification result is NG, the process proceeds to step 546. It is also possible to replace the telephone authentication process with SMS (Short Message Service) authentication.

(Generating card information)
Next, in step 552, the usage procedure section 261 transmits legal document display data 762 to the information device 112 in order to display legal documents (e.g., PDF files, etc.) on the Web application 114 for the applicant information whose intraday review has been approved, and transmits a completion result of legal document acceptance to the information device 112 when it receives legal document acceptance data 764 from the information device 112. As described above with reference to FIG. 4, the legal document displays the shopping limit (card joining date: N+1 days, upper limit: 300,000 yen), installment limit (installment attachment date: N+1 days, upper limit: 300,000 yen), and loan limit (loan attachment date: N+1 days, upper limit: 100,000 yen) as the usage limits included in the main member information of the membership applicant 110. These amounts are set to different values depending on the application contents or qualifications of the membership applicant 110.

Next, for the applicant information whose daytime review results have been approved, the usage procedure unit 261 sends the service registration data 728 to the information device 112 in order to display the Web member service registration form on the Web application 114, receives the registration information input data 730 from the information device 112, and sets the applicant information as a registration target for the Web member service.

Next, in step 534, the number issuing unit 262 issues a card number for a new credit card to the applicant information whose intraday review has resulted in approval. The member information generating unit 264 then creates a primary member information file in the member information storage unit 282 corresponding to the applicant information whose intraday review has resulted in approval, and then changes the attribute data of the primary member information by reflecting the card number issued by the number issuing unit 262 in addition to the applicant information acquired by the application procedure unit 252. The credit limit setting unit 266 then changes the attribute data of the primary member information by reflecting the credit limit settings (e.g., the attachment date and the upper limit amount, etc.) in the primary member information file already created in the member information storage unit 282.

(Card information inquiry)
Next, in step 532, when the member information inquiry/setting unit 270 receives a card information inquiry request 732 from the information device 112 by the card member (applicant) 110, it references the member information of the card member (applicant) 110 from the member information storage unit 282, and transmits card information inquiry data 734 including the card number, card expiration date, security code, etc. to the information device 112 in order to display a card information inquiry form on the Web application 114. Here, the applicant (card member) 110 can carry out electronic commerce to purchase goods, services, etc. Note that the content of this step is the same as the step with the same reference number in the above-mentioned credit card nighttime real-time number issuance process.

(Acceptance of loan applications)
As shown in Figures 8B, 9B, and 10B, in step 900, during the daytime on the day of the card application (Nth day), in the card issuing company system 130, if the card member 110 applies for a loan using a loan application form displayed on a Web application 114 already installed on an information device 112, the application procedure unit 252, upon receiving a loan application request 800 from the information device 112, sends the acceptance result to the information device 112.

Next, in step 904, the regular screening section 258 refers to each piece of credit information collected by the foreign credit inquiry section 272 for the member information being screened, and also refers to negative information extracted from the negative information storage section 280, which is periodically updated by the negative information agency system 150, and performs a credit screening for the loan in the form of a loan screening (limit increase screening). Here, if the screening result is OK (approved), the process proceeds to step 906, but if the verification result is NG (not approved), the process proceeds to step 908.

Next, in step 906, the examination result notification unit 260 sends a loan examination completion notification email 802 containing the loan examination result (not approved) to the information device 112 for the member information for which the loan examination result was not approved.

Next, in step 908, the credit limit setting unit 266 updates the credit limit setting (e.g., upper limit, etc.) for the member information file already created in the member information storage unit 282 for the main member information for which the loan screening has been approved. As shown in FIG. 4, at this time, the credit limits included in the member information of the existing applicant (card member) are updated as follows: shopping limit (card enrollment date: N days, upper limit: 300,000 yen), installment limit (installment attachment date: N days, upper limit: 300,000 yen), and loan limit (loan attachment date: N days, upper limit: 100,000 yen). These amounts are set to different values depending on the application details or qualifications of the applicant 110.

Then, for the main member information for which the loan review has resulted in approval, the foreign credit daily registration unit 268 sends a foreign credit registration request 770 to the external credit information agency system 140 as daily registration for one or more external credit information agency systems 140 based on the credit limit setting for the main member information, and receives registration result data 772 from the external credit information agency system 140. Furthermore, for the main member information for which the loan review has resulted in approval, the review result notification unit 260 sends a loan review completion notification email 802 including the loan review result (approval) to the information device 112.

(Instructions for issuing cards)
Next, in step 910, the card issuance instruction unit 276 sends a card issuance request 782 to the card printing company system 160 to instruct the issuance of a credit card for the applicant information that has been approved as a result of the daytime review (immediate issue treatment), and receives issuance result data 784 from the card printing company system 160.

Then, the card printing company system 160 sends a mailing 790 containing the credit card to be issued and the card base for the member information for which the instruction to issue a card has been received, addressed to the card member (applicant) 110, who then receives the mailing 790 containing the credit card to be applied for and the card base. The card base displays the credit limit set on the day of the card application (Nth day) as the card joining date, installment attachment date, and loan attachment date.

Thus, according to an embodiment of the present invention, the instant credit card number issuing system and method allows the credit card issuing organization to issue a credit card number instantly at any time when it receives a credit card application request from an information device on the credit card applicant's side, regardless of the time periods when the external credit information agency is closed or open. Furthermore, even if the organization issues a card number when the external credit information agency is closed, it can conclude various contracts with the applicant (card member) regarding loans or installments, etc., after the external credit information agency reopens, without changing the card number.

The principles of the present invention have been described above with reference to exemplary embodiments, but those skilled in the art should understand that various embodiments that are modified in configuration and detail can be realized without departing from the spirit and scope of the present invention. In other words, the present invention can be implemented in various forms, for example, as a system, device, method, program, or storage medium.

100 Communication line 110 Membership applicant (card member)
112 Information device 114 Web application 120 EC site system 130 Card issuing company system 140 External credit information agency system 150 Negative information agency system 160 Card printing company system 210 Control unit 220 Main memory unit 230 Interface unit 240 Output unit 250 Auxiliary memory unit 252 Application procedure unit 254 Examination method determination unit 256 Nighttime examination unit 258 Regular examination unit 260 Examination result notification unit 261 Usage procedure unit 262 Number issuing unit 264 Member information generation unit 266 Usage limit setting unit 268 Foreign card daily registration unit 270 Member information inquiry/setting unit 272 Foreign card inquiry unit 274 Card cancellation unit 276 Card issuance instruction unit 280 Negative information storage unit 282 Member information storage unit

Claims (9)

A credit card real-time issuing system,
application information receiving means for receiving application information of the applicant related to the credit card from an information device;
a negative information storage means for systematically storing negative information of the applicant related to the credit card;
an immediate examination means for immediately conducting an application examination for the credit card for the applicant based on the negative information when an inquiry to an external credit information agency is not possible;
a credit card application screening means for conducting a credit card application screening for the applicant based on a result of the inquiry received from the external credit information agency when the inquiry to the external credit information agency is possible;
a number issuing means for issuing a card number for the credit card to the applicant whose credit card membership examination has been approved by the real-time examination means;
a member information generating means for generating member information of the applicant based on the application information and the card number;
a credit limit setting means for setting the upper limit of each of the shopping limit, the installment limit, and the credit limit , the entry date of the shopping limit, and the attachment date of the installment limit and the credit limit, as the credit limits included in the member information;
a member information providing means for providing the member information in response to a request for inquiry received from the information device;
Equipped with
the credit limit setting means issues only the shopping limit within the credit limit to the member information whose membership screening has been approved on a first date by the instant screening means as a first credit limit, which is a small credit limit based on a monthly contract, which is a contract type not subject to regulations under the Installment Sales Act or the Money Lending Business Act, and sets the upper limit amount and joining date of the shopping limit to the amount corresponding to the first credit limit and the first date, respectively;
The instant credit card number issuing system is characterized in that the credit limit setting means issues the shopping limit, the installment limit, and the loan limit as second credit limits based on the Installment Sales Act and the Money Lending Business Act reflecting the results of the screening by the main screening means to the member information whose membership screening has been approved on a second date by the main screening means, and sets the upper limits of the shopping limit, the installment limit, and the loan limit, the entry date of the shopping limit , and the attachment dates of the installment limit and the loan limit to the amounts corresponding to the second credit limit and the second date, respectively. The screening means further performs a credit limit increase screening for the member information whose credit card application screening has been approved by the immediate screening means after the application screening,
The instant credit card issuance system of claim 1, characterized in that the credit limit setting means sets the upper limit of the loan limit in the second credit limit for the member information for which the credit limit increase review has been approved by the main review means to an amount that reflects the results of the credit limit increase review. a screening result notification means for notifying the applicant of the screening result carried out by the immediate screening means or the main screening means, the screening result including the change in the credit limit included in the member information;
The instant credit card issuance system of claim 2, characterized in that the review result notification means transmits to the information device a credit limit increase completion notification indicating that the credit limit increase has been implemented for the member information for which the credit limit increase review has been approved by the review means. The membership information storage means further includes a member information storage means for storing the member information in the form of an information file including various attribute information,
the member information storage means stores in advance a plurality of temporary member information files collectively created in an invalid state before receiving the application information from the information device;
The instant credit card issuance system of claim 1, characterized in that the member information generation means compiles one of the multiple temporary member information files as a valid state and as a destination for the application information for an applicant for whom the result of the review performed by the instant review means or the main review means is approval. The instant credit card issuing system according to claim 4, characterized in that the member information storage means has, as one of the attribute information included in the member information, information for negotiation history, which indicates whether or not the member has been examined by the instant examination means as the content of the negotiation. The instant credit card number issuing system of claim 1 further comprises a card issuance instruction means for instructing a card printing organization to create and send the credit card for the member information whose credit card membership examination has been approved by the examination means, and for assigning to the credit card a value identical to the card number issued by the number issuing means. The instant credit card issuance system of claim 1 further comprises an intraday screening means for instantly conducting the membership screening for the applicant who has not been screened by the instant screening means, based on the inquiry results and the negative information received from the external credit information agency. The instant credit card numbering system of claim 1, characterized in that, when the membership screening for the credit card approved by the instant screening means is rejected by the main screening means, the member information generating means changes the card number to an invalid state. A method for issuing a real-time credit card number in a real-time credit card number issuing system, comprising:
receiving application information of the applicant related to the credit card from an information device by an application information receiving means;
a step of immediately executing, by a real-time screening means, a credit card application screening for the applicant based on the applicant's negative information related to the credit card that is systematically stored in a negative information storage means when an inquiry to an external credit information agency is not possible;
a step of issuing a card number of the credit card by a number issuing means to the applicant whose application for the credit card has been approved by the real-time examination means;
generating, by a member information generating means, member information of the applicant based on the application information and the card number;
a step of setting, by a credit limit setting means, the upper limit of each of the shopping limit, the installment limit, and the credit limit , the entry date of the shopping limit, and the attachment date of each of the installment limit and the credit limit , as the credit limits included in the member information, wherein the credit limit setting means issues only the shopping limit within the credit limit to the member information whose membership screening has been approved on a first date by the instant screening means, as a first credit limit which is a small credit limit based on a monthly contract, which is a contract type not subject to regulations under the Installment Sales Act or the Money Lending Business Act, and sets the upper limit and entry date of the shopping limit to the amount corresponding to the first credit limit and the first date, respectively;
providing the member information by a member information providing means in response to the inquiry request received from the information device;
a step of executing an application screening for the credit card for the applicant based on the result of the inquiry received from the external credit information agency when the examination means is capable of making an inquiry to the external credit information agency;
a step of updating the credit limit setting by the credit limit setting means, in which the credit limit setting means issues the shopping limit, the installment limit, and the loan limit as second credit limits based on the Installment Sales Act and the Money Lending Business Act reflecting the contents of the examination by the main examination means to the member information whose membership examination has been approved on a second date by the main examination means, and sets the upper limits of the shopping limit, the installment limit, and the loan limit, the entry date of the shopping limit, and the attachment dates of the installment limit and the loan limit to the amounts corresponding to the second credit limit and the second date, respectively.

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