JPH11213062A - Credit amount informing system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To enable a customer's own bank or a customer himself (or herself) to know a credit utilization amount at optional time. SOLUTION: When a customer information file 11 stored in a credit processing system 10 is transferred to a bank on-line system 15, customer information to be a utilized credit amount is stored in the system 15. When a utilized credit amount display request is outputted from a bank on-line terminal 20 to the system 15, the customer information is transferred to the terminal 20 and the transferred information is displayed on a display device 21 to inform a user of the utilized credit amount.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a cooperative system between a credit processing system and a bank online system, and relates to a credit processing system in which payment results at the time of product purchase are settled by a data processing system.

[0002]

2. Description of the Related Art In a conventional credit processing system, a credit company makes a payment request to a bank online system, which is a customer's account, on a credit withdrawal date.

[0003] As a result, a request for cash withdrawal is passed to a bank online system having a bank account designated by the user, and after the cash has been withdrawn, the credit company is settled.

[0004] On the other hand, the credit company notifies the user of the usage amount after the settlement is performed.

In such a system operation, a customer is only notified of a usage fee at the time of settlement once a month.

[0006]

In the conventional system, the data of the amount of use is notified to the bank only when a payment request is made to the credit company from the bank online system. Can not grasp in real time how much credit is used. For this reason, the debit amount may exceed the account balance at the time of settlement.

[0007] Further, there is a drawback that the user cannot know the exact amount of credit used at that time at any time, and can only know it by the monthly notice of the money used once. is there.

[0008]

SUMMARY OF THE INVENTION The present invention provides a system for transferring data from a personal information file stored in a credit company by a conventional credit contract processing means to a counterparty bank by batch processing an arbitrary number of times. At the destination bank, this is achieved by providing a database for storing the transferred data and storing and managing the data.

[0009]

DESCRIPTION OF THE PREFERRED EMBODIMENTS One embodiment of the present invention will be described below with reference to the drawings.

The credit processing system 10 has a customer information file 11 for storing customer information, and communication means 12 for accommodating a communication line for connection to a processing terminal or another processing system.

The credit processing terminal 13 has a communication line 14
And notifies the credit processing system 10 of the user's credit processing request.

The bank online system 15 is connected to the credit processing system 10 by a communication line 16, and includes an account number for confirming that the customer is a registered customer, and a customer information file transferred from the credit processing system 10. Customer registration file 1 for storing data
7 and a communication means 19 for accommodating a communication line for connection to a processing terminal or another processing system.

The bank online terminal 20 has a credit amount display device 21 and is connected to the bank online system 15 via a communication line 18.

FIG. 2 is an example of a processing flow according to the present invention.

When a credit contract process by a user due to purchase of a product or the like is issued at the credit processing terminal 13, the credit processing is notified from the credit processing terminal 13 to the credit processing system 10 through the communication line 14 ( Step 22).

The credit processing system 10 processes the contract data issued from the credit processing terminal 13 into a credit contract (step 23).
0 updates the customer information file 11. (Step 2
4) At the determined transfer update timing, the credit processing system 10 transfers the customer data in the customer information file 11 to the other party's bank online system 15.
(Step 25) The customer registration file 17 is provided to register information of a customer registered as a user of the present system, and stores account data of the registered customer and customer data in association with the account number. I have.

The bank online system 15 stores the transferred customer data in the customer information file 17 in a form associated with the customer's account number based on the information registered in the customer registration file. (Step 26) When the user uses the bank online terminal 20, online processing is issued from the bank online terminal 20.
(Step 27) The account number of the user who is currently operating the bank online terminal 20 is transferred from the bank online terminal 20 to the bank online system 15 via the communication line 18. (Step 28) The bank online system 15
The account number of the user operating the bank online terminal 20 is compared with the account number information registered in the customer registration file 17. (Step 29) If the corresponding account number exists, the customer data associated with the account number is extracted from the customer registration file 17. (Step 30) If the corresponding account number does not exist, the processing is stopped.
(Step 35) At this time, if a request for displaying the current credit amount is issued from the user arbitrarily, the bank online terminal 20 makes a display request to the bank online system 15 via the communication line 18. (Step 31) The bank online system 15 sends the customer information file 17
To see if there is any customer data pulled from.
(Step 32) If there is customer data, the bank online system 15 that has received the display request transfers the extracted customer data to the bank online terminal 20. (Step 33) If there is no data, the processing is stopped. (Step 36) The bank online terminal 20 displays the transferred customer data via the display device 21 and notifies the user. (Step 34)

[0018]

As described above, according to the present invention, the customer information file data of the credit company is stored at the customer's bank at any timing, so that the accurate data at that time can be read arbitrarily. Make things possible.

As a result, it is possible for the bank to grasp the credit use situation of the customer.

Further, when a request for displaying the settlement amount is received from the user by operating the terminal, the settlement amount can be displayed on the use terminal.

[Brief description of the drawings]

FIG. 1 is a diagram showing an example of a system configuration according to the present invention.

FIG. 2 is a diagram showing an example of a processing flow according to the present invention.

[Explanation of symbols]

10 credit processing system, 11 customer information file, 12 communication means, 13 credit processing terminal,
14: Communication line, 15: Bank online system, 16
... communication line, 17 ... customer registration file, 18 ... communication line, 19 ... communication means, 20 ... bank online terminal, 21
... display device.

Claims (1)

[Claims] 1. A credit processing system, comprising: a credit contract processing means; a credit processing terminal system; a system comprising a customer information file; and a bank online system, a bank online processing system, a bank online terminal system, and a customer information file. In addition to the system consisting of the customer registration file, the credit processing system establishes a communication channel to transfer the customer information file from the credit processing system to the bank online system that is the customer's account, and the bank stores the notified data, A system capable of notifying a user terminal device of a credit amount from arbitrarily stored data in response to a request from the system.