JP2002157430A - Credit card and handling method for credit card - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a credit card and the handling method with which the identification information on a plurality of cooperating parties can be stored in one credit card. SOLUTION: In this credit card 11, credit information, information regarding points and the ID information of an affiliating company, etc., are stored. In the member shop 28 of the affiliating company, terminals 17, 18 and 19 for reading the credit card function of the credit card 11, imparting and reducing the points and adding the ID information on the cooperating company or the like are provided. Further, a royalty server 33 for managing the data of a storage part 20 collectively through a communication channel 25 is provided in the respective affiliating companies and a clearing center 35 for managing items regarding the imparting and reduction of the points in the royalty server 33 is provided.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

[0001] 1. Field of the Invention [0002] The present invention relates to a credit card and a method of handling a credit card, which allow a single credit card to enjoy services of a plurality of institutions.

[0002]

2. Description of the Related Art As described in Japanese Patent Application Laid-Open No. Hei 10-307967, when selling goods and services,
Earn points, collect purchase data,
There has been proposed a system in which a credit card function is added to a customer card issued for the purpose of implementing an efficient sales promotion method. This is because the card can be used as a credit card by writing information for enabling the function as a credit card in a storage area of the card.

[0003] On the other hand, generally, these cards may store identification information of a proper and its partner. These partnerships are combined in a wide variety of airlines, department stores, oil companies, etc. By using an affiliated card that memorizes these alliances, proper and affiliated companies are offering differentiated services to their competitors to their customers, and are trying to achieve customer retention.

[0004]

However, in general, other companies in the same industry have issued affiliated cards that provide similar services, and it is practically difficult to differentiate from the other companies in the industry. Further, since the tie-up relationship is fixed, a plurality of tie-up cards must be used properly in order to obtain different services, which is extremely inconvenient.

An object of the present invention is to provide a credit card capable of storing identification information of a plurality of partners on one credit card and a method of handling the credit card.

[0006]

The means for achieving the above object and the effects thereof will be described below. In order to solve the above problem, the invention according to claim 1 is to store the identification information of the cardholder, the identification information of the proper, and the identification information of the affiliated organization which has an alliance with the proper, respectively. The gist is that the storage area is divided into a plurality of sections so that the identification information of the partner organization can be additionally stored.

Therefore, according to the first aspect of the present invention,
By storing the identification information of the new affiliated organization in the storage area, the card function can be improved. Therefore, one card can have many functions, and the number of cards to be owned can be reduced.

According to a second aspect of the present invention, in the first aspect, a free description area is provided. Therefore,
According to the second aspect of the present invention, since the attribute information and usage history of the cardholder are described in the free description area, it is possible for the affiliated organization to collect information and the like for efficient sales promotion activities. It will be easier.

According to a third aspect of the present invention, in the first or second aspect, an area for storing information of a privilege granted to the card holder is provided. Therefore, according to the invention described in claim 3, it becomes possible for the cardholder to enjoy the benefits of a plurality of affiliated institutions with one credit card, and the attractiveness of the credit card to the cardholder increases, Partner institutions can differentiate themselves from competitors, etc., and enclose cardholders.

[0010] The invention according to claim 4 is a method for handling a credit card between a proper and an institution affiliated with the proper.
The gist is to write the identification information of the affiliated institution in a predetermined storage area.

Therefore, according to the fourth aspect of the present invention, even if the number of affiliated organizations increases, the identification information of the new affiliated organization can be easily written on the card, and the function of one card is improved. The card function can be improved without issuing a card every time.

According to a fifth aspect of the present invention, in the fourth aspect, a common privilege is provided between a plurality of affiliated institutions to a cardholder who has made a purchase at the affiliated institution, and information of the privilege is provided. The gist is to store the information in a storage area.

Therefore, according to the fifth aspect of the present invention,
It becomes possible for the cardholder to use points obtained at one place of use at another place of use. As a result, a service that can efficiently acquire and use benefits can be provided, and the appeal of credit cards to cardholders increases.

According to a sixth aspect of the present invention, in the fourth or fifth aspect, the handling of the card is processed at a terminal connected to the proper and an organization affiliated with the proper via a communication line, The processed information is
The gist is that the storage area is stored in an IC chip mounted on a card and stored in a storage unit of the terminal.

Therefore, according to the invention described in claim 6,
If your credit card is used on multiple different devices,
Proper and the like can grasp the transaction history, and at the same time, the usage status remains on the customer's credit card and can be grasped accurately.

The gist of the invention described in claim 7 is that in claim 6, the information processed by the terminal is transmitted to the server of the affiliated institution via a communication line. Therefore, according to the invention described in claim 7, it is possible to collectively manage the processing status at the terminal such as the affiliated store where it is used by the server of the affiliated organization.

[0018] The invention according to claim 8 is based on claim 7, and the gist is that information transmitted from the servers of a plurality of affiliated institutions is processed by a predetermined processing unit via a communication line.

Therefore, according to the invention described in claim 8, when a privilege or the like is used by a plurality of affiliated institutions, it can be managed in common. The invention according to claim 9 is a method of handling a credit card at a terminal connected to a proper and an organization affiliated with the proper via a communication line, wherein the identification information of the proper and the affiliated institution is
The storage unit of the proper, the storage unit of the affiliated institution, and the storage area of the credit card are stored, and the processing information in the terminal is transmitted to the affiliated institution and the proper through a communication line together with the identification information, The point is that the processing information is managed by the affiliated institution and the proper.

According to the ninth aspect of the present invention, since the identification information of the proper is stored in all the affiliated institutions, for example, when notifying the affiliated institution of a credit card accident, etc. Only the identification information and the cause of the accident need to be notified, which facilitates management of the proper credit card. Further, the proper can grasp which partner institution has the privilege of the credit card owner, and can notify the owner of the credit institution and respond to inquiries to the owner.

[0020]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described below with reference to FIGS. As shown in FIG.
The credit card 11 used in the present embodiment has a known magnetic stripe 12 on one side 13 thereof. The magnetic stripe 12 stores information for the credit card 11 to function as a credit card, such as an expiration date and a usage limit.

Further, an IC module 14 is provided in the credit card 11, and an IC chip 15 is embedded in the IC module 14, and a plurality of external terminals are provided on the surface of the IC module 14. 16 are provided. The external terminal 16 is connected to terminals (not shown) of terminals 17, 18, and 19, which will be described later, and exchanges information between a read / write unit (not shown) of the terminals 17, 18 and 19 and the IC chip 15.

The IC chip 15 is made of Ma as shown in FIG.
A ster file (hereinafter referred to as MF) 70 is provided. In the lower layer of the MF 70, three Dedicated Files (hereinafter, referred to as DF) 71, 72, and 73 for applications are stored. This DF
Reference numerals 71, 72, and 73 constitute a storage area.

Under the DF 73, an Internal Elementary F which is a security file is provided.
ile (hereinafter referred to as IEF) 74 and three operation files, Working Elementary
File (hereinafter referred to as WEF) 76, 77, 7
8 are stored. IEF74 has this DF73
An administrator key for accessing the WEFs 76, 77, 78 in the storage area is stored. The WEF 76 stores an IC chip-specific number (hereinafter, referred to as IC-ID), and the WEF 77 stores the IDs (Identificatiti) of the credit card company and the partner company.
on) is stored. The WEF 78 is a free description area, for example, name attribute, gender, date of birth, address, telephone number, e-mail address, member attribute information such as a gold card member, purchase history information, point history information, and the like. Is stored. Here, the affiliated institution is referred to as a company, which may be an individual or a corporation.

Under the DF 72, an AID (Appli)
An IEF 75 storing event identification (ID) and a WEF 79 storing point information such as the number of points at a member store are stored. The AID is for limiting terminals that can access the WEF 79, and the credit card 11
When the terminals are inserted into the terminals 7, 18, and 19, the terminals 17, 18, and 19 check the consistency between the AID and the AID of the terminal.
In points 8 and 19, the point information can be accessed.

The DF 71 has substantially the same configuration as the DF 73, but the WEF 77 of the DF 71 includes the same credit information as the information stored in the magnetic stripe 12 and risk management information unique to the IC credit. Is stored.

The credit card 11 includes a multi-function terminal 17 dedicated to an IC module, a POS (Point of Sales) system terminal (hereinafter referred to as a POS terminal) 18 and a CAT (C
redit Authorization Termi
nal) While connected to each read / write unit of the terminal 19,
Reading and writing of information are performed between them. Each of the terminals 17, 18, and 19 has a storage unit 20 respectively.
And a display screen (not shown) are provided.
Stores the processing status of the credit card 11 at each of the terminals 17, 18, and 19, including the history of issuance and use of points of the credit card 11, and the like.

As shown in FIG. 1, a plurality of terminals 1
At least one of 7, 18, and 19 is affiliated with A30,
It is located at one of the affiliated stores 28 of the partner company B31 and the credit card company 32. Terminals 17, 18, 19
Is an ISDN (Integrated Service)
s A30, B31, and B via a communication line 25 such as a Digital Network) line.
It is connected to a loyalty server 33 owned by each credit card company 32. Here, the credit card company 32 and one or more partner companies (partner company A in the figure)
30, only the affiliated company B31 is displayed), and those affiliated companies have member stores. The number of the affiliated companies can be set within the range of the WEF 77 for storing the ID of the affiliated company. Therefore, as long as the WEF 77 has free space, the number of partner companies that can use this card can be increased.

The terminals 17, 18, 19 and each loyalty server 33 are, for example, CAFIS
(Credit and Finance Info
Information processing center 29 dedicated to credit cards, such as a Mating Switching System center
To a dedicated line 2 such as a CAFIS line
6 is connected to the loyalty server 33 of the credit card company 32. Therefore, the terminals 17 and 1
Credit transaction information transmitted from 8 and 19 is received by the credit card company 32 via the information processing center 29.

The royalty servers 33 of the affiliated company A30, the affiliated company B31, and the credit card company 32
Databases (DB) 34 are connected to each other.
The loyalty servers 33 of the affiliated company A30, the affiliated company B31, and the credit card company 32 can exchange data with each other via the communication line 25, and are connected to a switching server 36 of a clearing center 35 which is a management means. Have been. This clearing center 3
Numeral 5 manages items related to the provision and reduction of points among the affiliated company A30, the affiliated company B31, and the credit card company 32, and includes a recording unit 37 for that purpose.

Next, the operation of the credit card will be described. (Member enrollment) First, the credit card 11 of the present embodiment
In order to receive the point (privilege) service, for example, the affiliated company A 30
The member registration is performed using the multi-function terminal 17. In FIG. 4, first, it is asked whether the customer who wants to join has the credit card 11 of the credit card company 32, that is, is a member of the credit card company 32 (step S1). In this case, if you have a credit card (YES in step S1),
The user is prompted to enter the ID of the credit card 11, and the I
When D is input (step S2), the multi-function terminal 17
Transmits information to the credit card company 32 via the dedicated line 26 (step S3).

If you do not own the credit card 11 of the credit card company 32,
If the member is not a member (NO in step S2), the user is invited to acquire the credit card 11. At this time, if the applicant for membership desires to obtain the credit card 11 (YES in step S4), the user is prompted to enter membership information for the credit card 11. If this information has been input (step S5), the multi-function terminal 17 transmits the input enrollment information to the credit card company 32 (step S6). The credit company assigns a temporary ID to this information (step S7), transmits the temporary ID to the multi-function terminal 17 to which the information has been transmitted via the dedicated line 26 (step S8), and performs a person examination. Is performed (step S9). For those who have passed the personal examination, the temporary ID is exchanged for the ID of the credit card 11 of the normal credit card company 32 (step S15).

Next, the applicant who has entered the ID of the credit card 11 (step S3), the credit card 1
1 and a credit card company 3 (step S8) who entered the information for membership
The applicant who does not have the second credit card 11 and does not acquire the credit card 11 (NO in step S4) is prompted to enter the member registration information. Member registration information is input (step S
10), the information is transmitted to the loyalty server 33 of the affiliated company A30 via the communication line 25 (step S11).

[0033] Royalty server 33 of partner company A30
Then, the ID of the affiliated company A30 is assigned to the applicant for membership (after the personal examination is performed in some cases) (step S12). Then, step S10
From the member registration information entered in step (1), if the applicant is a credit member, that is, if the processing in steps S2 and S3 or steps S7 and S8 is performed (step S1)
If YES in 3), the assigned ID is notified to the credit card company 32 (step S14). The credit card company 32 that has received the notification stores the ID given by the partner in the royalty server 33 of the credit card company 32 together with the IC-ID (step S20). In the credit card company 32,
Various information is set in the credit card 11, and the credit card 11 is issued (step S16). That is, information for functioning as a credit card is stored in the magnetic stripe 12 and the DF 71 of the credit card 11.
AID (for example, it is possible to award or reduce points at affiliated company A30 who has applied for membership)
Is stored in the IEF 74 of the DF 72, and the ID of the partner company A30 and the ID of the credit card company 32 assigned by the partner company A30 are stored in the WEF 77 of the DF 73. The credit card 11 is delivered by mail or the like to the customer who has applied for membership.

After the credit card 11 is issued, the ID of the affiliated company A30 transmitted in step S14
Is transmitted to the partner company A30 (step S17). The affiliated company A30 manages the IC-ID in association with the ID given by the affiliated company A30 (step S1).
8).

A membership card without a credit function is issued to a prospective member who is not a credit member (NO in step S13) (step S1).
9). (Use of Credit Card in Member Store) For example, a case where a product is purchased at the member store 28 of the affiliated company A30 and the price is paid by cash, points or credit at the POS terminal 18 will be described with reference to FIGS. . The same applies to the case where payment is made at the other terminals 17 and 19. In this case, for example, points according to the purchase price are given. When paying the price, the credit card 11 is stored in the POS terminal 18 installed in the member store 28.
Is inserted (step S50).

At the POS terminal 18, the administrator key and the I key stored in the IEF 74 of the credit card 11
The AID stored in the EF 75 is read, and the administrator key and the AID are collated with each of the POS terminals 18. If the administrator key and the AID do not match (NO in step S52), an error message is displayed (step S53), and the credit card 11 is ejected from the POS terminal 18 (step S54).
The user is prompted to start over from inserting the credit card 11 (step S50).

At the POS terminal 18, the administrator key and the AI
If D matches (YES in step S52), the POS terminal 18 can access the DFs 71, 72, and 73 of the credit card 11. So, DF7
3 is read from the WEF 76 (step S5).
At the same time as 5), the currently stored number of points is read from the WEF 79 of the DF 72 (step S56).
The read number of points is displayed on the display unit of the S terminal 18 (step S57).

Next, it is determined whether or not the points generated by the purchase are to be used (step S58), and the generated points are accumulated without being used (step S58).
In the case of NO), the price is paid (step S
59), and the number of points is added (step S).
60). Next, the added point number is written in the WEF 79 of the DF 72 of the credit card 11 (step S
61), the credit card 11 is discharged (step S62), and the added point number, AID information and I
Information such as D is stored in the storage unit 20 of the POS terminal 18 (Step S63).

When using points (step S58)
In the case of YES in step S6), the points to be used are input to the POS terminal 18 as shown in FIG. 6 (step S6).
4). Next, when the inputted number of points is converted into a monetary amount, it is determined whether or not all the price can be paid with the converted monetary amount (step S65). When all can be paid with the converted price (step S6
In the case of YES at 5), from the number of read points,
The number of used points is subtracted (step S66).

If it is not possible to pay the entire price with the entered number of points (NO in step S65), the card user pays the remaining price (step S6).
Along with 8), the number of used points is subtracted from the read number of points (step S66).

When the points are subtracted in step S66, the points after the subtraction are written into the credit card 11 as shown in FIG. 5 (step S6).
1) At the same time, the credit card 11 is ejected (step S62), and information such as the added point number and ID is stored in the storage unit 20 of the POS terminal 18 (step S6).
3).

Thereafter, when a predetermined time such as 3:00 am, for example, is reached from the previous predetermined time to the current predetermined time, P
The data for one day (such as the ID and the number of points, the number of missing points, etc.) stored in the storage unit 20 of the OS terminal 18 is transmitted to the royalty server 33 of the affiliated company A30 via the communication line 25 (step S79). ). At this time, information such as a credit payment method is also transmitted to the credit card company 32 via the information processing center 29. Then, the data stored in the storage unit 20 transmitted to the partner company A30 or the credit card company 32 is reset (step S80).

When the payment is made using the credit function (steps S59 and S68), the procedure is performed as shown in FIG. That is, the POS terminal 18 reads the credit information stored in the WEF 77 of the DF 71 (step S81). Based on this information, it is determined whether payment by credit is possible (step S82). If credit settlement is not possible (NO in step S82), a message that "credit settlement is not possible" is displayed on the screen of POS terminal 18 (step S83). If the credit card can be settled (YES in step S82), the user is prompted to enter payment information such as a payment method (e.g., installment payment or lump-sum payment) and a payment amount for each payment. Payment information is input to the POS terminal 18 (step S84).
Once the card transaction has been processed and the transaction is approved,
The sales information is stored in the storage unit 20 (Step S8)
5). Then, as described above, when the predetermined time comes and data for one day is transmitted, the payment information is transmitted to the credit card company 32 via the information processing center 29 (step S79). POS that sent the information
The terminal 18 resets the data in the storage unit 20 (Step S80).

(Processing at Clearing Center) FIG.
As shown in FIG. 5, data transmitted at predetermined times from terminals 17, 18, and 19 arranged in the affiliated store 28 of each affiliated company are allotted to the affiliated company A30, the affiliated company B31, and the credit card company 32 (hereinafter collectively referred to as a credit card company). , Each company). The DB 34 is rewritten in the loyalty server 33 (step S91). Next, when a predetermined time, such as once a month, is reached (in the case of YES in step S92), the respective companies provide all the information provided within each company within a predetermined period from the previous predetermined time to the current predetermined time. The number of points and the total number of reduced points are totaled (step S93). And
The compiled data is transmitted to the switching server 36 of the clearing center 35 via the communication line 25 (step S94). In the switching server 36, payment and payment with each company are made according to the point generation and reduction of each company.
The received amount is calculated (step S95). This amount is calculated by subtracting the total number of points given by the company from the total number of points used by each company, calculated as 1 yen per point, and the calculated amount is notified to each company as the received amount (Step S96). If the received amount is positive, each company is paid the amount from the clearing center 35. If the received amount is negative, each company pays the amount to the clearing center 35 (step S97). If the number of affiliated credit card companies increases after the credit card 11 has been issued, the member does not necessarily know that the number of affiliated companies has increased, so the number of affiliated companies is the highest since the increase of the number of affiliated companies. When the credit card 11 is first inserted into the terminals 17, 18, and 19, the ID of the increased affiliated company is written into the credit card 11. That is, as shown in FIG.
The credit card 11 is inserted into 7, 18, and 19 (step S101), and the IC-ID of the WEF 76 written on the credit card 11 and the I-ID of each company of the WEF 77 are written.
D is read (step S102). As a result of reading these IDs, if the ID of the new affiliated company is not included, that is, if the affiliated company is not permitted to use the points (YES in step S103), for example, “Alliance” is displayed on the display screen. It will be displayed in the form of "Introduction", inform members that the number of affiliated companies has increased, and confirm their willingness to receive services at the new affiliated companies. If the new partner does not intend to receive the service, the process is terminated. If the new partner confirms the intention to receive the service, the personal information included in the credit card 11 is converted to the new partner. Transmission to the company via the communication line 25 (step S10
4). The new partner company that has received the information assigns an ID to the holder of the credit card 11 (step S105) and registers it in the DB 34 (step S10).
6). Then, the terminal 17, to which the information was transmitted earlier,
The assigned new affiliated company ID is transmitted to the devices 18 and 19 via the communication line 25 (step S107). The terminals 17, 18, and 19, which have received the information, transmit the ID information given by the new affiliated company to the D of the credit card 11.
Write to WEF77 of F73. Therefore, after that, the card can be used for the newly added partner company.

According to the credit card and the credit card handling method of the above embodiment, the following features can be obtained.・ IC chip 15 provided on credit card 11
Has a large storage capacity and is hardly forged, and the stored data can be read and written by the terminals 17, 18, and 19. Therefore, it is safe and easy to provide a plurality of functions different from the credit card function or to add a new function. Therefore, a plurality of functions can be achieved with one card, and convenience can be improved.

The attribute information and the use history of the customer are described in the WEF 78 in the IC chip 15, and the credit card 1
By using 1 at the terminal of the member store 28, each partner company can acquire the attribute information, the use history, and the like via the communication line 25 and the information processing center 29. It is easy to gather information for conducting sales promotion activities.

The credit information of the credit card company 32 is stored in the DF 71 in the IC chip 15 and the DF 72
By storing point information, which is privilege information, and storing the ID of each partner in the DF 73, customers can efficiently enjoy the benefits of a plurality of partner companies with one credit card, Makes credit cards more attractive to affiliates, enabling partner companies to differentiate themselves from competitors, etc., and to retain customers.

Since the ID of the affiliated company is stored in the DF 73 in the IC chip 15 in a rewritable state, even if the number of affiliated companies is increased or replaced, the ID of the new affiliated company can be easily added. It is not necessary to issue a card every time the partner company is changed.

In the DF 72 in the IC chip 15,
As a privilege of the affiliated company, points that can be used in common by a plurality of affiliated companies can be managed, so that the customer can use the points acquired by the affiliated company A30 with one credit card by the affiliated company B31, Customers can efficiently earn and use points. As a result, the appeal of credit cards to customers is increased, and partners can be differentiated from competitors, etc., and customers can be enclosed.

When the customer uses the credit card 11, the usage status of the credit card 11 is stored in the storage unit 20 of the terminal 17, 18, 19, and at the same time, the IC chip 15 is used.
Since the stored contents in are updated, even if the customer uses the credit card 11 with a plurality of terminals on the same day, for example, the member can be specified at the member store and the number of points that can be used can be known. Good convenience.

The processing status at the terminals 17, 18, and 19 can be collectively managed by the loyalty server 33 of the affiliated company A30, the affiliated company B31, and the credit card company 32. Even if there are a plurality of affiliated companies, the card usage status , Point usage status, etc., can be managed without error.

When points and the like are used in common at a plurality of places of use, an imbalance occurs between the number of points issued at one place of use and the number of points used.
The switching server 36 can convert the difference between the number of issues and the number of uses into a monetary amount or the like, and process the service.

Since the IC-ID of the WEF 76 is stored in all the affiliated companies, for example, when notifying the affiliated company of the accident of the credit card 11, etc.
Only the ID and the cause of the accident need to be notified, and the management of the credit card 11 of the credit card company 32 becomes easy. Further, the credit card company 32 can grasp which partner company has the privilege of the owner of the credit card 11, and can notify the owner of the partner company and respond to inquiries at the credit card company 32. .

The above embodiment may be modified as follows. -Store credit card 11 with point information that can be used only by one partner.

With this configuration, the issued points are not used by other partners, so that it is possible to independently enclose customers.・ In the credit card 11, the usage status of the health insurance card,
Store information that does not involve commercial transactions, such as library lending information and driver's licenses.

With such a configuration, the purpose of using the credit card is expanded, and it is easy to acquire a new customer. The method of reading the credit card 11 at the terminal of the member store 28 is a non-contact type.

According to such a configuration, the same effect as the above embodiment can be obtained, and the handling of the credit card by the customer becomes easy. Pointing and registering cash in the IC module 14 so that payment can be made on the spot when purchasing goods and services.

With this configuration, it is not necessary to carry cash, and convenience is increased.・ When the number of affiliated companies increases, the personal information sent to the new affiliated company with the consent of the cardholder is stored in the loyalty server of the affiliated company or credit card company whose ID is registered on the credit card. From the information that you have. Thus, there is no need to store personal information in the IC card.

A multi-function terminal, a POS terminal, and a CAT terminal are installed at a place other than the affiliated store of the affiliated company, for example, at a roadside or a platform at a station. Next, regarding technical ideas other than those described in the claims that can be grasped from the above embodiment and modifications,
These effects are described below.

(1) The credit card according to any one of claims 1 to 3, wherein identification information on the proper is stored in both a magnetic stripe and an IC chip.

With this configuration, a credit card terminal that is not compatible with an IC chip can be used. (2) In the credit card handling method according to any one of claims 6 to 8, the terminal includes:
How to handle credit cards that are multi-function terminals, POS terminals, and CAT terminals.

According to such a configuration, it becomes easy to spread to the member stores where the terminal is already installed.

[Brief description of the drawings]

FIG. 1 is a conceptual diagram of a system according to an embodiment.

FIG. 2 is an external view of a credit card according to the embodiment.

FIG. 3 is a configuration diagram of a file in an IC module according to the embodiment.

FIG. 4 is an explanatory diagram of a procedure according to the embodiment.

FIG. 5 is an explanatory view of the procedure.

FIG. 6 is an explanatory view of the procedure.

FIG. 7 is an explanatory view of the procedure.

FIG. 8 is an explanatory view of the procedure.

FIG. 9 is an explanatory view of the procedure.

[Explanation of symbols]

11: Credit card, 15: IC chip, 17, 1
8, 19 terminal, 20 storage unit, 25 communication line, 3
0, 31: an affiliated company as an affiliated institution, 32 ... a credit card company as a proper, 33 ... a loyalty server as a server of the affiliated institution, 36 ... a switching server as a processing unit, 71 ... to store identification information of the proper DF as a storage area for storing 72, DF as an area for storing privilege information, 73 DF as a storage area for storing identification information of affiliated organizations, 78.
WEF free description area.

Continuation of the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat II (reference) B42D 15/10 521 B42D 15/10 521 G06K 17/00 G06K 17/00 D 19/07 19/00 N (72) Invention Person Hiroshi Kokin 1-3-10 Higashisakura, Higashi-ku, Nagoya-shi F-term in Toyota Finance Corporation (reference) 2C005 MB01 NA23 NB13 QC15 RA12 SA22 SA25 5B035 AA06 BB09 CA11 CA29 5B058 CA26 KA08 YA02

Claims (9)

[Claims] A storage area is provided for storing identification information of a cardholder, identification information of a proper, and identification information of an affiliated organization that is affiliated with the proper, respectively. A credit card whose storage area is divided into multiple parts so that additional information can be stored. 2. The credit card according to claim 1, wherein a free writing area is provided. 3. The credit card according to claim 1, wherein the credit card has an area for storing information on a privilege given to a cardholder. 4. A method of handling a credit card between a proper organization and an organization affiliated with the proper organization. When the number of affiliated organizations increases, a credit for writing identification information of the affiliated organization to a predetermined storage area is provided. How to handle cards. 5. A credit card according to claim 4, wherein a common privilege is provided to a cardholder who has made a purchase at said affiliated institution among a plurality of affiliated institutions, and the privilege information is stored in a storage area. How to handle. 6. The card according to claim 4, wherein the handling of the card is processed by a terminal connected via a communication line to the proper and an organization affiliated with the proper, and the processed information is A method of handling a credit card which has a storage area and is stored in an IC chip mounted on the card and stored in a storage unit of the terminal. 7. The credit card handling method according to claim 6, wherein the information processed by the terminal is transmitted to a server of the partner institution via a communication line. 8. The credit card handling method according to claim 7, wherein information transmitted from the servers of a plurality of affiliated institutions is processed by a predetermined processing unit via a communication line. 9. A method of handling a credit card at a terminal connected to a proper and an institution affiliated with the proper via a communication line, wherein the identification information of the proper and the affiliated institution is stored in a storage unit of the proper. And storing in the storage unit of the partner institution and the storage area of the credit card, transmitting the processing information in the terminal to the partner institution and the proper through a communication line together with the identification information,
A credit card handling method for managing the processing information in the affiliated institution and the proper.