JP3006408U - Credit information management system and payment settlement agent system using telephone line - Google Patents

Abstract

(57) [Summary] (Corrected) [Purpose] To provide a credit information management system that allows the credit information of credit card users to be easily inquired using existing telephones and facsimiles. [Structure] The credit information management center C, which is called by using a communication terminal such as a telephone or a facsimile connected to the telephone network N, automatically receives a call and guides operations necessary for inquiry of credit information by voice message. Meanwhile, the voice information processing device 2 receives transaction information such as the ID code of the credit card owner, the member store code, the sales price for the product, and the service transmitted from the communication terminal as a command signal, and the host computer 3 receives the transaction information. After searching the credit information database 4 in which credit information for credit cards is stored in advance and extracting the credit information of the inquired credit card by this, an inquiry is made through the voice information processing device 2 and the telephone network N. It is configured to notify the survey results to the conducted communication terminal.

Description

[Detailed description of the device]

[0001]

[Industrial applications]

 The present invention relates to a credit information management system and a accounts receivable settlement agent system using a telephone line, which is preferably used when a member store such as a credit card pays a customer's payment by using the credit card.

[0002]

[Prior art]

 Credit cards have become widespread, but for such credit cards, relatively expensive products and member stores with high sales have their own card readers to provide credit information immediately. After checking, it is judged whether the credit card can be used or not, and measures are taken against accidents such as uncollected accounts receivable, forgery, and stolen cards.

However, such a card reader has not been sufficiently adopted in small-scale member stores, and the embossed characters stamped on the credit card are rubbed onto the recording paper by using a handy-type copying device. It is customary to copy the characters required for credit card payments and store them as a sales report, then collectively bill the credit card company and collect the accounts receivable, which is sufficient for credit card payments. Since they sell products and provide services without being able to make a credit inquiry, they are in danger of uncollected accounts receivable, counterfeit, and stolen cards.

Further, in such a conventional method, the billing procedure with respect to the credit card company is also delayed, and therefore it takes about January to February to collect the sales price.

[0005]

[Problems to be solved by the device]

 The present invention was made in view of such circumstances, and its purpose is to use a communication terminal such as a telephone or a facsimile connected to an existing telephone line and operate a numeric keypad to operate the credit information. It is a first object of the present invention to provide a credit information management system in which the customer can confirm the credit information of a credit card used for payment by calling the management center and transmitting necessary data.

A second object of the present invention is to operate the ten keys of a communication terminal such as a telephone or a facsimile to operate the sales information input when the customer's credit information is inquired, on a monthly or weekly basis. The purpose is to provide a sales management agent system that can automatically aggregate sales information for each member store. Further, a third object of the present invention is an account receivable settlement system in which the credit information management center can also perform credit card payment on behalf of a member store that has referred to credit information for a customer's credit card payment. The purpose is to provide.

[0007]

[Means for Solving the Problems]

 According to the credit information management system of claim 1, when the credit information management center is called from a communication terminal such as a telephone or a fax machine connected to a telephone line, the credit information queried after replying with a voice message. The credit information management center automatically receives an incoming call when a call is received from a communication terminal, and guides the operation required for inquiring the credit information by voice message. However, the voice information processing device that receives transaction information such as the ID code of the credit card owner, the member store code, the sales price of the product, and the service, etc. sent from the communication terminal as a command signal, and the credit card possession Connected to the credit information database, the credit information database, and the voice information processing device, After the credit information for the inquired credit card is retrieved by decoding the command signal received by the processing device and searching the credit information database, an inquiry is made via the telephone line via the voice information processing device. It is configured by combining it with the host computer that notifies the communication results of the investigation results to the communication terminal.

The credit information database installed on the side of the credit information management center is installed in a place different from the voice information processing device and the host computer, for example, a credit card company, and the voice information processing device asks for credit information. Each time it is received, the credit information may be accessed through the communication line, and the search result may be received by the host computer.

The credit information management system according to claim 2 is the credit information management system according to claim 1, wherein when the credit information inquiry to the credit card is made by a telephone, the result of the investigation is notified by a voice message. According to the credit information management system of claim 3, when the credit information of credit card is inquired by FAX, the survey result of the credit information is sent in a document. ing.

The survey result for the inquired credit information is not only the so-called online response that is returned when the member store accesses the credit information management center and connects the telephone line, but also after the inquiry from the member store. After disconnecting the telephone line once, you may call a member store when the survey result comes out and respond by a so-called offline response to notify the survey result.

In the credit information management system according to claim 4, the host computer installed on the credit information management center side aggregates the sales proceeds for the traded products and services for each credit card member store and sells them. The credit information management system according to claim 5 has a function of creating a management table, and the credit information is a credit list as a sales list in which sales details for traded products and services are aggregated for each customer or traded products and services. The credit information management center is provided with an additional service that creates a sales management table and sales list for credit cards when inquiring about credit information for credit cards. You can do it.

According to claim 6, after a voice message is answered in response to a call from a communication terminal such as a telephone or a facsimile connected to a telephone line to a credit information management center, credit information such as a credit card is sent. In addition to the basic function of notifying inquiries of survey results, we also proposed an account receivable settlement agent system that aggregates transactions by credit card for each credit card member store and enables automatic payment settlement. The credit information management center automatically receives an incoming call when a call is made from the communication terminal, and sends a command signal from the communication terminal while guiding the operation required for inquiring the credit information by a voice message. A voice information processing device that receives transaction information such as the ID code of the coming credit card owner, the merchant code, the sales price of the product or service. And a credit information database in which credit information for credit cards is registered, and the credit information database and the voice information processing device are connected to decode the command signal received by the voice processing device to search the credit information database. After extracting the credit information for the credit card referred to the Credit Information Management Center, the communication terminal that made the inquiry for the credit information through the telephone line via the voice information processing device was investigated. In addition to notifying the result, after notifying the credit card survey result in this way, after collecting the accounts receivable paid using the credit card for each credit card member store, the credit card You can now pay receivables on your behalf

[0013]

[Action]

 In the credit information management system of the present invention, when a customer makes a payment using a credit card, a credit card member store operates a credit information management center from a telephone or a facsimile communication terminal connected to a telephone line. Call. Then, the credit information management center responds with a voice message, guides the operation necessary for the reference of the credit information with a voice message, and in response to this voice message, it is sent as a command signal from the communication terminal of the member store. It receives transaction information such as the credit card owner's ID code, merchant code, sales price of products and services.

In this way, when the voice information processing device receives the command signal transmitted from the member store, the host computer decodes the command signal and stores the credit information database in which the credit information for the credit card owner is stored. Search and retrieve credit information for the inquired credit card. Then, the survey result is notified via the communication terminal to the member store which has made an inquiry through the telephone line via the voice information processing device.

If the member store specifies an answer by voice message, the result of the inquiry regarding the inquired credit information is notified by a voice message via the voice processing device (request item 2). If you wish to reply by fax, you will be notified in writing (Claim 3). As a result, the member stores can use the communication terminals such as telephones and facsimiles connected to the existing telephone lines, operate the numeric keypad, call the credit information management center, and send the necessary data. Credit information for the credit card used for payment can be checked on the spot.

In the credit information management system proposed in claims 4 and 5, in the credit information management center, every time the credit information is inquired from the member store, the notified transaction information is totaled for each member store. As a sales management table and sales list are created, additional services can be provided to member stores. In the credit card transaction receivable settlement system proposed in claim 6, the credit information management center notifies the credit information referred by the member store of a positive survey result and gives the transaction approval number to the credit information. Pays the receivables from the credit card paid by the customer to the member stores in advance. In this case, if the authorization account of the member store is registered in advance with the credit information management center side, the credit information management center side will offset the service charge of the credit information inquiry service and other additional services and settle the accounts receivable. You can do it.

[0017]

Embodiment An embodiment of the system of the present invention will be described below with reference to the drawings. FIG. 1 is a schematic explanatory view showing a basic configuration of a credit information management system and a accounts receivable settlement agent system using a telephone line of the present invention. A is a customer who uses a credit card, B is a credit card member store, C is a credit information management center, and D is a credit card company.

According to the system of the present invention, when the customer A pays for a product or service at the credit card member store B by using the credit card, the member store B uses a communication terminal such as a telephone and the credit information management center. When C is called and the transaction information of the customer is notified, and at the same time the credit information is inquired, the credit information management center C notifies the credit card member store B of the investigation result.

As a result of the investigation by the credit information management center C, if the authenticity of the credit card presented by the customer is determined and it is determined that the transaction is within the set credit line, the credit information management center C Notify the authorization number and approve credit card payment, but otherwise refuse customer A's credit card payment. Upon receiving the notification of the transaction approval number from the credit information management center C, the member store B provides the customer A with products and services.

In this manner, the credit information management center C receives an inquiry from the member store B for the credit information of the credit card used for the payment of the customer A, and successively accumulates the transaction information each time the transaction is approved. To do. In this case, the transaction confirmation note 7 with the transaction approval number as shown in FIG. 11 may be transmitted to the member store B via a facsimile or the like. The transaction approval number notified by the credit information management center C is sent as a voice message when the member store B inquires about the credit information through the telephone, and when the inquiry is made using a facsimile, the document is sent. Notice. However, the notification of the investigation result including the transaction approval number is not limited to these forms, and the notification of the credit information on the telephone is notified by a document through a facsimile or the telephone is notified of the credit information by the telephone. You can also notify by voice message via. Furthermore, it is possible to notify by both text and voice message, which allows the member store B to specify the notification on the telephone if he wants to obtain the survey results in a relatively short time without waiting for the customer A. If you want to record the survey results as a document, you can specify the notification by facsimile.

In the credit information management center C, each time the credit information is inquired from the member store B in this way, the transaction information with the approval is processed by the host computer, and is classified for each member store B, and the predetermined information is classified. Since the accounts receivable of the member stores can be aggregated for each period of, the monthly sales management table 5 is created for each member store B, and the sales list 6 that aggregates the sales amount for each customer, product or service is created. Thus, it is possible to provide a high value-added information service to the member store B.

Therefore, if the member store B makes a contract with the credit information management center C in advance, it can freely access the host computer installed in the credit information management center C using a telephone or a facsimile as a terminal. Not only can credit information be easily inquired, but sales management tables and sales lists can also be created automatically, so there is no need for labor for accounting and sales management.

Further, if a credit settlement management contract is made with the credit information management center C and the transaction account is registered in advance, the member store B can use the credit card for the sales price that the credit information management center C has approved the transaction. The credit information management center C can promptly collect the payment without the need to charge the company D. FIG. 1 shows a procedure and transaction flow performed among a customer A, a credit card member store B, a credit information management center C and a credit card company D. The credit card company D , The credit information management center C bills the credit card used by the credit information management center C for the credit card company D, and collects the advance payment. Shows an example of performing. In the figure, the credit card member store B collects the accounts receivable from the credit information center C and then collects the accounts receivable. However, the present invention system is not limited to this. The credit information center C of the member store B may not be charged for the accounts receivable, but the credit information center C may automatically calculate the accounts receivable within a predetermined period of time and send the statement to the member store B to make a decision. I can.

FIG. 2 shows a basic hardware configuration of the system of the present invention. In the credit card member store B, communication terminals such as a telephone TEL and / or a facsimile FAX are installed. The communication terminals TEL and FAX are connected to the credit information management center C via the public telephone line network N. Connected to the voice information processing device 2.

The credit information management center C includes a voice information processing device 2, a host computer 3, and a credit information database 4 connected to the host computer 3. The host computer 3 and the credit information database 4 may not be installed in the same place, but may be installed in another place and connected to each other by a communication line as shown in FIG.

FIG. 3 is a block diagram showing the basic configuration of the voice response processing device 2. The voice response processing device 2 connects a normal telephone TEL and facsimile FAX connected to the public line network N to the host computer 3 and uses the telephone TEL and facsimile FAX as terminal equipment of the host computer 3. It is provided for this purpose.

The voice response processing device 2 controls the line control unit 21 connected to the telephone line network N, the voice control unit 22 for replying a voice message, the system control unit 23, and the host computer 3. Host control unit 24, each of which has a CPU. Here, the line control unit 21 is capable of simultaneously processing outgoing and incoming calls to dozens of telephone lines in time series, and the voice control unit 22 is provided with a telephone TEL or facsimile installed in a member store. Each time the line controller 21 receives a call or a tone signal is received by calling from the FAX, the system controller 23 is activated to select a voice message previously stored in the voice disk 22a or tape recorder 22b. The data is output to the telephone line network N via the line control unit 21. Reference numeral 21a is an audio memory in which necessary voice messages are stored.

The host control unit 24 decodes the tone signal received by the line control unit 21, converts it into a binary signal and sends it to the host computer 3 to control the host computer 3, and the host computer 3 sends the credit information. The database 4 is accessed to retrieve the inquired credit information. FIG. 4 is a block diagram showing a schematic basic configuration of the system of the present invention constructed by using a computer network.

The credit information management center C is provided with a voice processing device 2 and a workstation 3 as a host computer 3. As the voice control device 2, a VPS as described later is used, and it is possible to simultaneously respond to a plurality of telephone lines by time division processing. When the inquiry from the member store B is made by the telephone TEL, the voice processing device 2 and the work station 3 respond, and when the inquiry is made by the facsimile FAX, the FAX modem M and the work station 3 respond. It is like this.

Each of these workstations 3 is connected to a host computer HC ′ via a communication line LX, and this host computer HC ′ is a host installed in each credit company via a communication line LX ′. It is connected to the computers HC1 to H Cn. The voice response processing device 2 installed in the credit information management center C can respond to calls from a plurality of telephones TEL and facsimile FAXes installed in a plurality of credit card member stores D by a voice message, and can send a credit. A communication processing device having a function of receiving and processing a push tone signal transmitted from a communication terminal on the card member store D side as a command signal is adopted. As such a communication processing device, a VPS sold by Perifonic Co., or a VFX manufactured and sold by Holoson Tech Co., Ltd. is the most suitable, but a FAX modem M is provided to receive and process image data. It is processed by the host computer. Here, the host computer is selected according to the system scale, but in a small-scale system, the workstation is sufficient.

In FIG. 4, a host computer HC ′ is provided via a dedicated data line LX in order to retrieve credit information quickly and in a wide range, and this host computer HC ′ is further connected via a data line LX ′. In addition, the network system is configured to perform processing by connecting to host computers HC1 to HCn installed in a plurality of credit card companies.

By constructing such a network system, when a credit card store B purchases a product or receives a service, the credit information of the customer A is immediately changed to the credit information of the customer A using an ordinary telephone or a facsimile. Since the propriety of the transaction can be immediately determined by inquiring to the management center C, the credit card member store B does not need the card reader conventionally required, and the cheap, prompt and safe transaction is secured.

Steps 100 to 114 of FIG. 5 are diagrams showing a procedure for inquiring the credit information of the customer A from the credit card member store B using the telephone TEL to the credit information management center C. The store B operates the ten keys of the telephone TEL to transmit a push tone signal, thereby transmitting a command signal for credit information inquiry to the credit information management center C. As a result of the investigation, if the transaction is possible, the transaction approval number is transmitted, and if the transaction is not possible, the transaction impossible information is output. Based on this non-tradable information, the member store B explains to the customer A and responds to it, but when the customer A requests a survey, the person in charge of the credit information management center C calls the person. And inform Customer A of the result. In step 112, the transaction information transmitted to the credit information management center C at the time of inquiring about credit information is accumulated as basic data for creating the sales management table 5 and the sales list 6.

Steps 200 to 205 of FIG. 6 show a procedure for inquiring credit information from the credit card member store B to the credit information management center C using the fax FAX, and step 300 of FIG. Reference numerals 308 to 308 show the basic operation procedure of the credit information management center C for which the credit information is inquired through the facsimile FAX.

The survey result notified from the credit information management center C to the member store B is sent as a document as a document through a facsimile FAX installed in the credit card member store B, and is sent to the credit information management center C when inquiring about the credit information. The transaction information is stored as it is as basic data for creating a sales management table and sales list.

FIG. 8 shows an example of the sales management table 5 created by the credit information management center C, FIG. 9 shows the sales list 6 for each customer, and FIG. 10 shows the sales list 6 for each product. In each case, each credit card member store is aggregated for each predetermined period, and the member store code, transaction date, customer name, card ID code, traded product, service, sales price, etc. are displayed. There is. Here, the credit card member store B is often a member store of other credit card companies, and all the credit cards that are members of the sales management table 5 and the sales list 6 are included. It may be sales to the company. In this way, the sales data accumulated in the credit information management center C can be broadened or the totalized data can be rearranged according to the needs of the credit card member store B (for example, sales of a certain product by region). It is also possible to use it as basic data of materials for grasping the usage status of the card).

[0037]

[Effect of device]

 According to the credit information management system of the present invention, a credit card member store can easily call the credit information management center by calling the credit information management center by using a telephone or a facsimile, which is widely used as a communication infrastructure. Since it can be confirmed by inquiring to, it is possible to easily and inexpensively inquire credit information without the need for an expensive card reader as in the past.

As a result, the member store can use the telephone or facsimile communication terminal connected to the existing telephone line and operate the numeric keypad to call the credit information management center and send the necessary data. Inquiries about credit information for credit cards used for customer payments can be made on the spot (Claims 1, 2, and 3). In the credit information management system proposed in claims 4 and 5, in the credit information management center, every time the credit information is inquired from a member store, the notified transaction information is totaled for each member store, and sales are performed. A management table and sales list can be created, and additional services can be provided to member stores.

In the credit card receivable settlement agent system proposed in claim 6, the credit information management center gives a positive approval result to the credit information inquired by the member store and gives a transaction approval number. In contrast, since the customer pays the credit card receivables paid by the customer to the member store in advance, the credit card member store can quickly collect the receivable.

[Brief description of drawings]

FIG. 1 is a basic configuration diagram showing a basic flow of procedures in the system of the present invention.

FIG. 2 is a basic hardware configuration diagram of the system of the present invention.

FIG. 3 is a block diagram showing a basic configuration of a voice processing device.

FIG. 4 is a diagram showing a basic hardware configuration in the system of the present invention.

FIG. 5 is a flow chart showing a basic operation (in the case of inquiring about credit information using a telephone) in the system of the present invention.

FIG. 6 is a flowchart showing a basic operation of the system of the present invention (when inquiring about credit information by using a facsimile).

FIG. 7 is a flow chart showing a basic operation in the system of the present invention (when a check result of inquired credit information is notified using a facsimile).

FIG. 8 is a diagram showing an example of a sales management table.

FIG. 9 is a diagram showing an example of a sales list for each customer.

FIG. 10 is a diagram showing an example of a sales list for each product.

FIG. 11 is a diagram showing an example of a transaction confirmation note.

[Explanation of symbols]

 A ... Customer B ... Credit card merchant C ... Credit information management center D ... Credit card company N ... Telephone line network TEL ... Phone FAX ... Facsimile 2 ... Voice Response processing device 3 ... Host computer 4 ... Credit information database 5 ... Sales management table 6 ... Sales list 7 ... Transaction confirmation

Claims (6)

[Scope of utility model registration request] 1. A call to a credit information management center from a communication terminal such as a telephone or a facsimile connected to a telephone line, after replying with a voice message, to an inquiry for credit information such as a credit card. , A credit information management system for notifying the result of the investigation, wherein the credit information management center automatically receives a call when receiving a call from a communication terminal, and a voice message indicates the operation required to inquire the credit information. While guiding, the credit card owner's ID code, member code, sent as a command signal from the communication terminal,
A voice information processing device that receives transaction information such as the sales price of goods and services, a credit information database that stores credit information for credit cards, and a voice information processing device that is connected to both the credit information database and the voice information processing device. The credit information of the inquired credit card is retrieved by decoding the command signal received by the information processing device and searching the credit information database, and then the inquiry is made through the voice information processing device and the telephone line. A credit information management system using a telephone line configured by combining with a host computer that notifies the conducted communication terminal of a survey result. 2. The credit information management system according to claim 1, wherein when the credit information of the credit card is inquired by a telephone, the credit information management center gives a voice message indicating the result of the investigation of the credit information. A credit information management system using a telephone line according to claim 1, which is configured to be notified by. 3. The credit information management system according to claim 1, wherein when the credit information inquiry to the credit card is made by facsimile, the credit information management center writes a result of the investigation on the credit information in a document. The credit information management system using a telephone line according to claim 1, wherein the credit information management system is configured to be transmitted. 4. The credit information management system according to claim 1, wherein the host computer reports a result of an inquiry to the credit information of the customer's credit card,
2. The credit information management system using a telephone line according to claim 1, further comprising a function for collecting sales proceeds for traded products and services for each credit card member store and creating a sales management table. 5. The credit information management system according to claim 1, wherein the host computer uses a credit as a sales list in which sales details for traded products and services are aggregated for each customer or traded product and service. The credit information management system using a telephone line according to claim 1, wherein the credit information management system has a function of totaling each card member store. 6. A call to a credit management center from a communication terminal such as a telephone or a facsimile connected to a telephone line is answered by a voice message, and then the credit information such as a credit card is inquired. Notify the survey results,
A system that aggregates transactions by credit card for each credit card member store and performs payment on behalf.The credit information management center automatically receives a call when a call is made from a communication terminal, and the credit information While guiding by voice message the operation required for the inquiry of, the credit card owner's ID code, member store code, which is sent as a command signal from the communication terminal,
A voice information processing device for receiving transaction information such as sales price of goods and services, a credit information database accumulating credit information for credit cards, and a voice processing device connected to the credit information database and the voice information processing device. The credit information for the inquired credit card is retrieved by decoding the command signal received by the user and searching the credit information database, and then the credit information is inquired through the telephone line through the voice information processing device. In addition to notifying the survey results to the communication terminal that performed, in this way, after notifying the survey result of the credit information to the credit card, the receivable paid by the credit card is paid to each credit card member store. Automatically settle payments on behalf of credit card companies Credit card accounts receivable settlement agent system of using a telephone line which is characterized in that a host computer to perform to.