JPH07311804A - Credit information management system using telephone line and credit sales account settlement substitute system - Google Patents

Abstract

PURPOSE:To simplify the inquiry of a user of a credit card about the credit information by using an existing telephone and a facsimile equipment. CONSTITUTION:A credit information management center C is called through a communication terminal equipment and outputs an answer in a voice message. Then, the center C notifies the user of its inspection result to the inquiry about the credit information on a credit card, etc. Furthermore, the center C gives the guidance in the voice messages for operations necessary for inquiry about the credit information and, at the same time, receives the transaction information on the sales account, etc., of the card owner from the communication terminal equipment via a voice information processor 2. Then, a host computer 3 retrieves a credit information data base 4 that previously stores the credit information on the credit cards and then extracts the credit information on the relevant card. Then, the computer 3 sends the inspection result to the communication terminal equipment via the processor 2.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention 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 uses a credit card to pay a customer's payment. Regarding

[0002]

2. Description of the Related Art Credit cards have come into widespread use. However, for such credit cards, relatively expensive merchandise and member stores with a large amount of sales have their own credit card readers. Information is collated immediately to determine whether the credit card can be used, and measures are taken to prevent accidents such as uncollected accounts receivable, counterfeiting, 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 necessary for credit card payments and store them as a sales report, and then collectively bill the credit card company and collect the accounts receivable. Since they sell products and provide services without being able to make inquiries, they are at risk of uncollected accounts, counterfeit accounts, and stolen cards.

Further, in the conventional method as described above, the billing procedure for the credit card company is delayed, so that it takes about January to February to collect the sales price.

[0005]

SUMMARY OF THE INVENTION The present invention has been made in view of the above circumstances, and an object thereof is to utilize a communication terminal such as a telephone or a facsimile connected to an existing telephone line and use a numeric keypad. By operating the etc. to call the credit information management center and sending the necessary data, it is possible to provide a credit information management system that allows customers to check the credit information on the credit card for payment on the spot. It has the first purpose.

A second object of the present invention is to operate the ten-key pad 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. Monthly or weekly sales information As a result, it is an object of the present invention to provide a sales management agent system capable of automatically collecting data for each member store. Further, the third object of the present invention is to
It is an object of the present invention to provide an account receivable payment agent system in which the credit information management center can also perform payment on behalf of a credit card for a member store that has referred to credit information for a customer's credit card payment.

[0007]

The credit information management system according to claim 1 responds with a voice message when calling the credit information management center from a communication terminal such as a telephone or a facsimile connected to a public telephone line. After that, the credit information inquired is configured to notify the investigation result.The credit information management center automatically receives the call when the call is received from the communication terminal, and is required to inquire the credit information. A voice information processing device that receives transaction information such as an ID code of a credit card owner, a member store code, a sales price of a product or a service, which is transmitted as a command signal from a communication terminal while guiding an operation by a voice message. ,
A credit information database in which credit information for credit card owners is registered, and the credit information database and the voice information processing apparatus are connected to decode the command signal received by the voice information processing apparatus to search the credit information database. In this way, after extracting the credit information for the inquired credit card, a combination with a host computer that notifies the inquiry result to the inquired communication terminal through the telephone line via the voice information processing device is combined. It is configured.

The credit information database installed on the credit information management center side 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 receives an inquiry for credit information. Alternatively, the credit information may be searched for each time through the communication line, and the search result may be received by the host computer.

In the credit information management system according to claim 2, in the credit information management system according to claim 1, when an inquiry of credit information for a credit card is made by a telephone, the investigation result is notified by a voice message. According to the credit information management system of claim 3, when the credit information of the credit card is inquired by facsimile, the result of the investigation of the credit information is transmitted in a document. .

The survey result for the inquired credit information is
In addition to the so-called online response that is returned when a member store accesses the credit information management center and is connected to the telephone line, after the inquiry from the member store, after disconnecting the telephone line, when the survey result appears It is also possible to call a member store in and respond by a so-called offline response in which the survey result is notified.

According to another aspect of the credit information management system of the present invention, the host computer installed on the side of the credit information management center aggregates the sales proceeds for the traded goods and services for each member store of the credit card and manages the sales. The credit information management system according to claim 5 further has a function of creating a table, and a credit card 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 center can provide an additional service for creating a sales management table and sales list to the member stores when inquiring about credit information for a credit card. It is like this.

According to a sixth aspect of the present invention, after a voice message is answered in response to a call to the credit information management center from a communication terminal such as a telephone or a facsimile connected to a telephone line,
In addition to the basic function of notifying the credit card and other credit information of survey results, credit card transactions are aggregated for each credit card member store, and payments can be automatically settled. Proposing an authorization system, the credit information management center automatically receives an incoming call when receiving a call from a communication terminal and guides operations required for inquiry of credit information by voice message,
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 sent from the communication terminal as a command signal, and the credit information for the credit card are registered. The credit information database, the credit information database and the voice information processing apparatus are connected, the command signal received by the voice processing apparatus is decoded, and the credit information database is searched to inquire of the credit information management center. After taking out the credit information for the credit card that was given, through the voice information processing device,
Through the telephone line, the communication terminal that made the credit information inquiry is notified of the survey result, and after the credit card survey result is notified in this way, payment can be made using the credit card. After collecting the accounts receivable made for each credit card member store, the accounts receivable can be paid on behalf of the credit card company.

[0013]

In the credit information management system of the present invention, the credit card member store manages the credit information from the telephone or facsimile communication terminal connected to the telephone line when the customer pays using the credit card. Call the center. Then, the credit information management center responds with a voice message, guides the operation required for the inquiry of the credit information with a voice message, and in response to this voice message, the credit sent as a command signal from the communication terminal of the member store. Cardholder ID code, merchant code,
Receive transaction information such as sales prices for products and services.

In this way, when the voice information processing device receives the command signal sent 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. The credit information for the inquired credit card is retrieved and retrieved. 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.

The result of the survey on the inquired credit information is
When the member store specifies the reply by voice message, it notifies by voice message through the voice processing device (Claim 2), but when the reply by facsimile is desired, it is notified by the document. (Claim 3). As a result, the member store can use the communication terminals such as telephones and facsimiles connected to the existing telephone line, operate the numeric keypad, call the credit information management center, and send the necessary data. Credit information for credit cards used for payment can be inquired 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. Since sales management slips and sales lists are created, it is possible to provide additional services 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 referred by the member store and gives a transaction approval number to the credit information. Pays the receivables from the credit card paid by the customer to the member store 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]

Embodiments 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 company.

In the system of the present invention, when the customer A pays for a product or service at a credit card member store B using the credit card, the member store B uses a communication terminal such as a telephone to manage the credit information management center. When C is called and the transaction information of the customer is notified and the credit information is simultaneously inquired at this time, 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 determines the transaction. The approval number is notified to approve the payment with the credit card, but if not, the payment with the credit card of the customer A is rejected. The member store B, which receives the notification of the transaction approval number from the credit information management center C, provides the customer A with products and services.

In this way, the credit information management center C
Then, each time the customer receives an inquiry from the member store B for credit card credit information for payment by the customer A, and every time the transaction is approved, the transaction information is sequentially accumulated. 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 a voice message when the member store B inquires about the credit information through a telephone, and when the inquiry is made by using a facsimile, a document is transmitted and notified. To do.

In the credit information management center C, every 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, classified by each member store B, and predetermined. Since the accounts receivable of the member stores can be aggregated for each period of, the monthly sales management slip 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. As a result, a high value-added information service can be provided to the member store B.

For this reason, 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 a sales management table and sales list can also be created automatically, so there is no need for labor for accounting and sales management.

Further, if the credit information management center C makes a payment settlement proxy contract and registers a transaction account in advance, the member store B will accept the sales proceeds approved by the credit information management center C by the credit company. The credit information management center C can promptly collect payment without requiring D to be charged. FIG. 1 shows the 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 An example in which the credit information management center C charges the credit card used and the credit information management center C charges the credit card company D for the receivable that has been paid for by the member store B and collects the advance payment. Is shown.

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

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. Host computer 3 and credit information database 4
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. This voice response processing device 2
A normal telephone TEL or facsimile FAX connected to the public network N is connected to the host computer 3 so that the telephone TEL or facsimile FAX can be used as a terminal device of the host computer 3.

The voice response processing device 2 is a line control unit 21 connected to the telephone line network N, a voice control unit 22 for replying a voice message, a system control unit 23, and a host control for controlling the host computer 3. It is composed of a section 24, each of which is provided with 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.
The voice control unit 22 is connected to the line control unit 2 by calling from a telephone TEL or a facsimile FAX installed in a member store.
Each time 1 receives an incoming call or receives a tone signal, it activates the system control unit 23 to select a voice message previously stored in the voice disk 22a and tape recorder 22b, and then, through the line control unit 21, a telephone line. Output to network N. 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 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 configured 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, which will be 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 workstation 3 respond to each other, and when the fax is performed through the facsimile, the fax modem M and the workstation 3 respond.

Each of these workstations 3 is connected to a host computer HC 'through a communication line LX, and this host computer HC' is further installed in each credit company through a communication line LX '. It is connected to the computers HC1 to HCn. Voice response processing device 2 installed in credit information management center C
Is a push tone signal transmitted from a communication terminal of the credit card member store D side, which can respond to a call from a plurality of telephones TEL and facsimile FAX installed in a plurality of credit card member stores D, and is transmitted from the communication terminal device of the credit card member store D side. A communication processing apparatus having a function of receiving and processing 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 it is an FA for receiving and processing image data.
An X-modem M is provided and processed by the host computer. Here, the host computer is selected according to the system scale, but in a small-scale system, a workstation is sufficient.

In FIG. 4, a host computer HC 'is provided via a dedicated data line LX to retrieve credit information quickly and in a wide range, and this host computer HC' is further connected via the data line LX '. Host computers HC installed at multiple credit card companies
The network system is configured to connect to 1 to HCn for processing.

By constructing such a network system, products can be purchased at the credit card member store B,
When receiving the service, the credit card member store B has conventionally been required because the credit information of the customer A can be immediately inquired to the credit information management center C by using an ordinary telephone or a facsimile to immediately judge whether the transaction is right or wrong. This eliminates the need for a card reader, which ensures cheap, quick and safe transactions.

Steps 100 to 114 in FIG. 5 are diagrams showing a procedure for inquiring the credit information of the customer A from the credit card member store B to the credit information management center C using the telephone TEL. B operates a ten key on 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, the transaction approval number is transmitted when the transaction is possible, and the transaction impossible information is output when the transaction is impossible. In step 112,
The transaction information transmitted to the credit information management center C at the time of referring to the credit information is accumulated as basic data for creating the sales management table 5 and the sales list 6.

In steps 200 to 204 of FIG. 6, the facsimile FAX from the credit card member store B is used.
The procedure for inquiring credit information to the credit information management center C is shown. Steps 300 to 308 in FIG.
The basic operation procedure of the credit information management center for which the credit information is inquired through a facsimile FAX is shown. The survey result notified from the credit information management center CX to the member store B is sent as a document as image data through the facsimile FAX installed in the credit card member store B,
The transaction information transmitted to the credit information management center C at the time of referring to the credit information is accumulated as it is as basic data for creating a sales management table and a sales list.

FIG. 8 shows an example of the sales management table 5 created by the credit information management center, 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.

[0036]

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

As a result, the member store uses the communication terminal such as a telephone or a facsimile connected to the existing telephone line and operates the ten-key pad to call the credit information management center and send the necessary data. For example, the credit information for the credit card used for the customer's payment can be inquired 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 transaction information notified is totaled for each member store to manage sales. You can create votes and sales lists and provide additional services to member stores.

In the credit card receivable settlement agent system proposed in claim 6, the credit information management center gives a positive survey result to the credit information inquired by the member store and gives a transaction approval number. With respect to the above, since the accounts receivable by the credit card that the customer has paid for payment are paid in advance to the member store, the credit card member store can quickly collect the accounts 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 shows a basic hardware configuration diagram in 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 of the system of the present invention.

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

FIG. 6 is a flowchart showing a basic operation in 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 notifying the inquiry result of the inquired credit information by 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 slip 6 ... Sales list 7 ... Transaction confirmation

Claims (6)

[Claims] 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 an incoming call when receiving a call from a communication terminal, and a voice message indicates an operation required for inquiry of the credit information. A voice information processing device for receiving transaction information such as a credit card owner's ID code, member store code, product, service sales price, etc., which is sent as a command signal from a communication terminal while guiding, and credit to a credit card. A credit information database storing information, connected to both the credit information database and the voice information processing device, After decoding the command signal received by the voice information processing device and retrieving the credit information database, the credit information of the inquired credit card is taken out, then through the voice information processing device and through the telephone line, A credit information management system using a telephone line configured in combination with a host computer that notifies a communication terminal that has made an inquiry 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,
It is a system that collects transactions by credit card for each credit card member store and performs payment on behalf of the credit card.The credit information management center automatically receives a call when receiving a call from a communication terminal, and credit information Receives transaction information such as the ID code of the credit card holder, the merchant code, the sales price of the product or service sent as a command signal from the communication terminal while guiding the operation required for the inquiry of A voice information processing device, a credit information database accumulating credit information for a credit card, a credit signal database connected to the voice information processing device, and a command signal received by the voice processing device to decode the credit information. Obtain credit information for the inquired credit card by searching the database. After sending out, the communication result is sent to the communication terminal that has made an inquiry about the credit information via the telephone line through the voice information processing device, and the result of the credit information inquiry to the credit card is notified in this way. After that, the accounts receivable paid by using the credit card is totaled for each credit card member store, and the host computer is provided for automatically performing payment on behalf of the credit card company. Credit card accounts receivable settlement system using a telephone line.