JP2916354B2 - Credit card issuing device - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a system for managing the sale of goods and services (hereinafter collectively referred to as goods, etc.), and more particularly, to the sale of credits of goods and the like at stores that directly handle the goods and the like. And a method and system that can easily and quickly handle the data.

[0002]

2. Description of the Related Art Many systems have been adopted in which payment is made using a credit card when a product is purchased or a service is provided. The purchase method using a credit card is a convenient system for the user because he or she does not need to carry cash and can select an arbitrary payment method such as installment payment if desired. However, if a credit card is issued to a customer for the first time and credit is applied, the credit check will take many days after the customer's application and the credit check result indicates that the credit can be sold. In such cases, a card with a specific identification number is sent to the customer by mail, etc., so it is not possible to immediately issue a credit card in response to the customer's application for credit sales and sell the product It was impossible.

On the other hand, today, a collection of stores, department stores,
At a chain store, etc., an attempt has been made to introduce a unified sales management system to improve service to customers and to fix customers, and even in such a limited system, credit sales are performed. However, if you want to sell products by credit, you need a sophisticated management system, such as a credit check for the buyer and credit management necessary for selling the credit to the buyer. A large information processing system, specialized know-how, and accumulation of a large amount of information are required. Therefore, in order to enable credit sales for each of the small organizations as described above, a conventional contract is established with a credit specialty company, and the system of the small organization and the credit specialty company are connected by a line or the like, and the credit is made. It has been outsourced to a specialized company to process credit sales using its own card, or in cooperation with a specialized credit company, to have the credit company take over the entire credit business.

[0004]

In the credit sales system as described above, since credit sales information is processed depending on other systems, only a small company card system such as an aggregate of stores is used. There is a problem that credit sales processing cannot be performed. In addition, this method requires a considerable amount of time for transmitting information using a communication line, searching in a credit sales management system, and the like. For example, even if a customer wants to sell credit, when issuing a credit card, it first asks the credit system of a specialized company about the availability of credit, and entrusts the issuance.
Immediate issuance of the card is not possible, and even after the issuance of the card, whether the card has been invalidated in the credit system of the specialized company as well as every sale, whether the sales amount exceeds the credit limit, etc. It takes a long time to process credit sales, such as the need for an inquiry, and it is necessary to make the customer wait for a long time. In order to keep the customer waiting for credit sales for a long time and give a reminder of whether or not the customer is suspected, for example, the purchase amount below a certain limit is often sold without such a survey. Therefore, in the case where shopping below such a limit is performed at a large number of places, or when such a shopping above a certain amount is skipped due to the judgment of the site, it exceeds the customer's ability to pay. In some cases, the customer may be unable to pay or the dealer may not be able to collect the receivables.

Further, since the credit information and the sales management information of the customer are managed in separate systems, there is a problem that they cannot be integrated and managed integrally. Credit information is managed by a large system of a specialized company, and has a management system different from the company's own card system unit, such as a group of stores. Sales management information of customers is also managed for each group of the stores, etc. Because it is not managed,
Even if we try to aggregate and use customer information related to credit sales on our own system side, even if we try to integrate and manage credit information and customer sales management information on our own card system side, such centralized management Can not. In such a case, even if the customer is affiliated with a credit system of a particular dealer, if the customer tries to purchase a product etc. at a store of a different dealer, the credit management system is different. It is necessary to go through a new enrollment procedure and credit check for credit sales.

The present invention solves such a conventional problem. When a customer desires to purchase a product by credit, the necessary information can be promptly obtained and a credit card can be immediately issued. Therefore, it is an object of the present invention to provide a method and a system that do not require a customer to wait, and also allow a unified management of credit management information and sales information of the customer. Further, the present invention makes it possible to easily know the credit limit for a customer at the site where the credit is sold, to prevent the customer from selling the credit beyond the payment ability, and to enable the customer to pay at a plurality of places. It also provides a credit system that prevents multiple debts from being exceeded.

[0007]

According to the present invention, the above object is achieved by the means described in the appended claims. That is, the present invention provides a sales information management system including a terminal device that inputs customer sales information, and a main processing device that manages customer sales information transmitted from the terminal device;
A credit information management system that checks the creditworthiness of the customer in response to a credit application from the customer;
The sales information management system includes means for inquiring the terminal device side of the customer's creditworthiness to the credit information management system in response to a credit application from the customer, and sales information for the customer when there is no problem with the customer's creditworthiness. Means for issuing a credit card in which the card identification number IDa in the management system is recorded, and (b) a card identification number IDa in the sales information management system;
Card identification number I in credit information management system
It has a credit master file for writing Db, an invalid sign indicating the credit card accident information notified from the credit information management system, and information indicating the credit limit of the customer, and (c) there is no problem in the credit of the customer. In this case, there is provided a means for writing the card identification number IDb in the credit information management system notified from the credit information management system and the information indicating the credit usage limit in association with the card identification number IDa in the sales information management system. (D) When the credit information management system allows a credit in response to an inquiry for a credit application, the credit information management system includes a card identification number IDb in the credit information management system together with information indicating the credit usage limit of the customer. To the sales information management system Credit card issuing apparatus having a means that is.

[0008]

The identification information of the card is recorded on a plurality of cards prepared in advance, and the credit card management file corresponding to the card provided in the information processing system for managing the information related to the purchase of the product by the customer is stored in the card. The identification information of the plurality of cards is registered in advance. When an application for purchase of a product by a credit is received from a customer, an information processing system that manages information related to the purchase of the product by the customer's credit is queried for the credit information of the customer. Register in the credit card management information storage area, and when the information is acceptable, register the customer information in the area for storing customer specific information corresponding to the credit card identification information, or leave the identification without registration. Issue credit card with recorded information and sell credit.

Means for storing the credit limit is provided on a card prepared in advance, and means for calculating the credit limit of the customer is mainly stored in an information processing system for managing information relating to the customer's purchase of goods. The credit sales system according to claim 1, further comprising means for reading and writing, based on the past credit use information of the customer on the card and the newly used credit use information on the day of the customer. The credit limit is calculated and the credit limit of the card is updated in accordance with the calculated credit limit. Since the credit limit is stored in the card itself and the credit limit can be checked at the credit sales site, it is possible to prevent an accident such as an excess of debt or a multiple debt.

[0010] Means for storing the credit limit is provided in a card prepared in advance, and means for calculating the credit limit of the customer is provided in a terminal device provided in an information processing system for mainly managing information relating to the customer's purchase of goods. And a means for reading and writing card information, the credit sales system, when purchasing a product or the like by the customer's credit, based on the day's credit usage information input from the terminal device, a new customer's new While calculating the credit usage limit, the terminal device updates the credit usage limit of the credit card according to the calculated credit usage limit.

[0011]

1 to 3 are diagrams showing an embodiment for realizing the method and system of the present invention. FIG. 1 is a diagram showing the entire system, FIG. 2 is a diagram showing a processing flow, and FIG. Is an explanatory diagram of the contents of a file. 1 is a main processing device for managing product sales, 2 is a file for storing information related to customers, 3 is a terminal device, 4 is a keyboard of the terminal device, 5 is a display device,
6 is a reader / writer connected to the terminal device, 7 is a card having storage means, 8 is a storage area of the card, 9 is an identification number registration area of the card, 10 is a credit use limit registration area, and 21 is credit information. , A file for storing credit information, 23 a keyboard, and 26 a display device. Hereinafter, the operation of this embodiment will be described with reference to FIG.

In this embodiment, a card in which an identification number (IDa) peculiar to the system is recorded in advance, and a credit master corresponding to the identification number of the card is provided in a credit master shown in FIG. The ID number to be registered is registered. If the customer desires to purchase the product by credit and is not registered as a member of the store, the person in charge obtains identification information from the customer such as name, address, gender, date of birth, etc. Then, information relating to the customer's desire to purchase a product is input to the information processing device 1 and at the same time, the information processing device 21 is queried for the credit information of the customer. The inquiry is desirably performed online or by a method such as personal computer communication, but other communication means such as a facsimile apparatus may be used. Information processing device 21
Is a large-scale system of, for example, a credit company, and checks the creditworthiness of the customer by referring to management information or the like, and returns the result to the information processing apparatus 1 by the communication means. If there is no problem in the creditworthiness of the customer, the sale is allowed,
The information processing device 1 assigns the identification number (IDa 001) of the information processing device 1 to the customer, registers the corresponding number (N123) in the identification number (IDb) registration column of the information processing device 21 of the credit master, and Register the flag 2 (registered signature) in the registration signature column, and register the identification information such as the customer's name (Otataro) and the amount of credit provided (400,000) in the corresponding column of the credit master, and The display that allows the sale is displayed on the display device 6. The sales person hands over the credit card 001 to the customer based on the information and sells the credit card. The sales information is input from the keyboard 4 again, the creditable amount is subtracted according to the sales amount, the column of the credit master is updated, and the storage of the creditable amount of the card is updated by the reader / writer 5. .

In the case of a system in which the notification of the credit sale availability information from the information processing device 21 is delayed in time, the information processing device 1 inputs information on the result of the credit confirmation by the operator through the communication. The credit master of file 2 contains an identification number (ID
In the area corresponding to a002), a provisionally assigned identification number (IDb NNNN) and a flag 1 (temporary registration) are registered in a registration signature field, and necessary items such as a credit grant amount and a creditable amount are set. The temporary registration data is created and stored, and a card 002 is issued as a credit card to immediately respond to a customer's purchase of a credit. Later, when registration information such as a formal IDb relating to the customer is sent from the information processing apparatus 21, the information processing apparatus 1 updates all the temporary registration information with the received information, and sets the registration signature field to the flag 2 (registered). And

[0014] After the above registration, the customer can immediately receive the credit purchase service only by presenting the card when applying for credit purchase. When the customer presents the card and offers to purchase the merchandise by credit to the sales person in the store, the sales person inserts the card 7 into the reader / writer 6 of the terminal 3. The terminal device reads the customer identification number and the credit available amount from the card 7 and displays the credit available amount on the display device 5. The sales representative rejects the sale if the current credit purchase application amount exceeds the available amount, and if the amount is within the available amount, the sales amount by credit, the date and time, and other information according to the credit sale. The information is input from the keyboard 4 and sent to the main processing device 1. The input of the information may use a POS system or the like in place of the reference numerals 4, 5, and 6.

The main processing unit 1 retrieves the information of the customer in the file 2 and obtains a new credit amount based on the past credit use information of the customer and the credit purchase information sent from the terminal device of the day. And sends the value to the terminal device 3. In this example, the creditable amount is shown in FIG.
Is calculated by subtracting the balance of the accounts receivable registered in the credit master, the total credit, and the receivable from the credit provided amount. The credit amount in this example is the upper limit (credit limit) of the credit amount set for each customer at the store, and the credit total is the amount before the billing process generated by the closing date of the month including the purchase information. This information is managed by the main processing device 1 and can be processed without inquiring the information processing device 21 one by one, so that quick response is possible. When there is accident information such as invalidity of the card, the information is sent with priority.

The terminal device 3 that has received the notification from the main processing device 1
Updates the value in the credit available amount column 10 of the card 7 to the value sent from the main processing device 1. When there is no accident information such as invalid card, the sales person gives the card 7 to the customer together with the product, and ends the sales procedure.

When the purchase is completed, a new creditable amount obtained by subtracting the purchase amount from the creditable amount of the credit master is registered in the credit master. At this time, the information processing device 1 can process the purchase by the customer's credit only in the own device without referring to the information processing device 21 each time, so that a very quick response to the terminal 3 is possible, Never let customers wait.

The contents of the file 2 are synchronized with the contents of the file 22 of the information processing apparatus 21.
The information is periodically updated with information transmitted from the communication line 1 through the communication line, information on the transported MT, and the like. For example file 2
In the contents of 2, when there is unaccompanied, overdue, or other accident information about the customer, the contents of the file 2 are updated by the periodic update, so that the credit sales to the customer at the terminal 3 can be stopped. Becomes

The information processed by the information processing apparatus 1 is information on a limited customer of the system, and the credit information is also limited to the customer. Therefore, a large amount of nationwide information processed by the information processing apparatus 21 is processed. Unlike processing, processing can be performed by a relatively small processing device.

In the above example, the update value of the credit use limit is calculated in the main processing unit 1. However, the processing capability is given to the terminal device 3 side, the calculation is performed by the terminal device 3, and the calculation is performed. The value in the credit limit column 10 of the card 7 may be immediately updated with the value. At this time, the terminal device 3 does not refer to the main processing device 1 for the purchase by the customer's credit,
Since the processing can be performed only within the own device, a very quick response is possible and the customer is not made to wait. In this case, the main device 1
In order to synchronize with the data of the file on the side, the update information is collectively transmitted from the terminal 3 to the main processing device 1 later.

In this way, the credit available amount of the card is checked each time a product is purchased by credit, and the value is updated each time the product is sold. Can be confirmed, and selling exceeding the credit limit can be reliably prevented.

[0022]

As described above, according to the present invention, credit sales management can be performed by a relatively small-scale merchandise sales management system. Not only information in a narrow area but also credit information of customers obtained from a wide area covered by a large system can be used, enabling immediate issuance of credit cards and credit sales, as well as reliable credit It is possible to obtain information and the like, and it is possible to prevent accidents such as a burning of a loan. In the case of registering the credit available amount on a credit card, the credit limit of the card is checked each time a product is purchased by credit, and the value is updated each time the product is sold. The credit level of the credit card and the customer can be quickly confirmed on the spot, the sales exceeding the credit limit can be reliably prevented, and the user can be prevented from incurring a debt beyond the ability to pay. Also, those that update the credit available amount on the terminal side without requesting the main processing device,
Since credit sales are possible only at the terminal, quick response to the customer is possible, and there is an advantage that the service can be continued only at the terminal side even in the case where the main processing device is broken.

[Brief description of the drawings]

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

FIG. 2 is a diagram illustrating an example of a processing procedure according to the present invention.

FIG. 3 is a diagram showing an example of the contents of a file used in the present invention.

[Explanation of symbols]

 1, main processing unit 2, file 3, terminal device 4, keyboard 5, display device 6, reader / writer 7, card 8, card storage area 11, line corresponding unit 12, line corresponding unit 21, information processing device 22, file 23, keyboard 26, display device

 ──────────────────────────────────────────────────続 き Continued on the front page (72) Inventor Toshio Kamiya 3-33-5 Hongo, Bunkyo-ku, Tokyo Nippon Shinpan Co., Ltd. (72) Inventor Shinichi Kazama 3-33-5 Hongo, Bunkyo-ku, Tokyo Japan (72) Inventor Hirokazu Sato 3-33-5 Hongo, Bunkyo-ku, Tokyo Nippon Shinsho Co., Ltd. (72) Inventor Next Ota 3-33-5, Hongo, Bunkyo-ku, Tokyo (72) Inventor Kimitaka Uchida 3-33-5 Hongo, Bunkyo-ku, Tokyo Nippon Shinhan Co., Ltd. (72) Inventor Mutsugu Nagano 3-33-5 Hongo, Bunkyo-ku, Tokyo Nippon Shinhan Shares Inside the company (72) Inventor Junichi Murozumi 3-33-5 Hongo, Bungo-ku, Tokyo Nihon Shin Sales Co., Ltd. (72) Inventor Kiichi Kato 3-33-5 Hongo, Bungo-ku, Tokyo Nihon Shin Sales Co., Ltd. Of which (56) Bibliography Patent Rights 4-43095 (JP, A) Patent Rights 3-164891 (JP, A) JP Akira 62-93782 (JP, A)

Claims (1)

(57) [Claims] 1. A terminal device for inputting sales information of a customer,
A sales information management system having a main processing device for managing customer sales information transmitted from the terminal device, and a credit information management system for checking the creditworthiness of the customer in response to a credit application from the customer; The sales information management system includes means for inquiring the terminal device side of the customer's creditworthiness to the credit information management system in response to a credit application from the customer, and selling to the customer when there is no problem with the customer's creditworthiness. Means for issuing a credit card recording the card identification number IDa in the information management system; and (b) a card identification number IDa in the sales information management system, a card identification number IDb in the credit information management system, and a credit card. Credit card accident information notified from the information management system It has a credit master file for writing an invalid signature to be shown and information indicating the credit limit of the customer. (C) When there is no problem with the credit of the customer, the credit master file is made to correspond to the card identification number IDa in the sales information management system. , Card identification number IDb in the credit information management system notified from the credit information management system
And means for writing information indicating a credit usage limit amount. (D) When the credit information management system allows a credit in response to an inquiry for a credit application,
A credit card issuing device comprising means for notifying the sales information management system of a card identification number IDb in the credit information management system together with information indicating a credit use limit of the customer.