JPH11296580A - Computer-aided new credit application system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To allow a purchaser to get a purchased product in a shorter delivery and to safely purchase a product of a price higher than those obtained by a mail order, etc., by directly connecting the computer of the purchaser to the computer of a selling company so as to apply on-line purchasing using a credit (installment plan). SOLUTION: As a perquisite condition for purchasing a product in a new credit application system, a card of a credit company should be possessed and a pass word which is known only to a person him/her should be registered. A person desiring to purchase a product directly asks the credit company for purchase application and examination to use the credit. After executing the examination at the credit company, the company informs a selling company of the product purchasing intention of the person desiring to purchase the product and the result of the examination for utilizing credit shopping. The selling company instantly delivers the product to the person.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method for online shopping for credit (installment) using a computer.

[0002]

2. Description of the Related Art Conventionally, online shopping has involved card payment, cash on delivery, transfer payment, and the like, but card payment has a card usage limit and purchases expensive products exceeding the card usage limit. In order to do so, it was necessary to re-sign and seal the credit paper and confirm the purchase intention of the customer, and a credit sales company had to contact the customer to confirm the purchase intention of the customer. B. Regarding security for privacy, especially in the case of the current credit agreement, it is a three-party agreement of the purchaser, sales company, and credit company, and a document specified by the Ministry of International Trade and Industry is issued to the purchaser according to the installment sales law In general, the credit paper is a copy form, which is a confirmation document of items necessary for screening by the credit company. Also, since the sales company has a copy of the credit paper issued to the purchaser, the sales company still has a lot of privacy-related information such as the annual income of the purchaser, the family structure, and the loan balance of other companies that are unnecessary. However, the privacy of the buyer was not preserved. (C) Online shopping has become popular due to recent technological advances such as the Internet, but due to security issues, etc., much cannot be expected in dealing with expensive products, and it is still at the research stage. For relatively small amount transactions, there are cyber cash system, e-cash system, and master card or VISA card-based SET system as electronic money, but credit (installment) shopping with many expensive product transactions is It was never done online. D. In order to collect credit paper, a credit sales company dispatches a large number of personnel to collect each time a large number of sales companies generate sales, resulting in loss of human expenses and business time. Was big.

[0003]

This has the following disadvantages. (A) In the case of conventional card shopping, shopping beyond the card usage frame cannot be performed. In most cases, payment is made in a lump sum in the following month or the next two months, so that few customers purchase expensive products other than bonus payments. (B) In the case of payment for credit shopping,
Regardless of possession of the card of the credit sales company, after completing a valid contract based on the installment sales method, it is necessary to contact the credit sales company to confirm the purchase intention of the product, and the buyer purchases the product It takes time to do it. (C) When card shopping is performed on the Internet, there is a great risk that important personal information is leaked, and even if an attempt is made to use credit (installment) shopping, which involves many expensive transactions, on an Internet line, it is not practical at this stage. (D) In the case of mail order, it is possible to purchase only the card number, but many non-authorized card holders can do business if they know the card number. (E) When a purchaser of a product purchases a credit card, the seller has to take over the installment contract because the business contract has been a three-party contract. Had no way to inform the credit company of their willingness to purchase. (FIGS. 1 and 2) (f) Loss of human expenses for collecting credit paper and time loss in business are large.

[0004]

In order to solve the above problems, a method of a new credit application system shown in FIG. 3 is employed. As a precondition, the purchaser needs to own the credit card of the credit company in order to use this method and to register a secret number known only to the person himself / herself. In addition, the communication from the credit company to the sales company in FIG. 4 does not notify the information regarding the privacy of the product purchaser that is not necessary for the sales company. The present invention is a new credit application system using a computer having the above configuration.

[0005]

Embodiments of the present invention will be described below. The state shown in FIG. 3 is created, and a product purchase applicant directly requests a credit sales company for a purchase application and an examination for using credit shopping. After screening at the credit company, the credit company notifies the sales company of the product purchase intention of the product purchaser and the result of the screening for credit shopping use. The seller immediately delivers the product to the product purchaser. The present invention has the above configuration. When using the present invention, first, a computer-readable recording medium used by a product purchaser for online credit shopping shown in FIG. 5 is sent to the product purchaser. The product purchaser installs this recording medium in a recording device in the computer and creates a file. Next, the user looks at the advertisement screens of the sales companies (1) to (3) on the recording medium and moves to the next screen (4). Since the screen of (4) is a purchase intention confirmation screen, if the user has a purchase intention, the screen moves to the next screen (5). The screen of (5) is a product selection, the price of the product, and a purchase quantity selection screen.
The total purchase price is displayed on this screen, and the display moves to the next screen (6). The screen of (6) is a payment method selection screen for selecting credit (installment) payment, card payment, and other (such as cash on delivery and transfer). When the card payment is selected, the screen moves to the screen (10), and when the other card is selected, the screen moves to the screen (12) (connect directly to the computer of the store and make a purchase application). When the credit (installment) payment is selected, the screen moves to the screen of (7). The screen of (7) is based on the installment sales law, and is a contract agreement screen between the product purchaser and the credit company. If the purchaser approves and sees this screen, this contract screen is automatically displayed on the computer. Is recorded in a file that has been created in advance, and moves to the next screen (8). The screen of (8) is based on the total purchase amount displayed on the screen of (5), the number of credits, the installment fee, the total payment,
The initial payment amount, the second and subsequent payment amount, bonus monthly payment amount, payment period, and other items described on the credit (installment) contract form are displayed, and the product purchaser selects the number of credits and the monthly payment amount. To move to the next screen (9). On the screen of (9), the product selected on the screen of (5), its amount and quantity, and all the contents displayed on the screen of (8) are displayed, and the purchaser of the product makes a final confirmation. If the user sees the screen (9) and approves it, it is recorded in a file created in advance and moves to the next screen (10). The screen of (10) is a screen for directly making a purchase application to a credit company, and a product purchaser inputs a card number of the credit company registered in advance and a personal identification number known only to the person himself / herself.
Next, the computer of the product purchaser is automatically connected to the computer of the credit company using an ordinary telephone line without using the Internet line. The computer of the credit company checks the card number and the personal identification number, and if there is no difference, takes in all the information of (9) and moves to the screen of (11), and the attribute data of the person registered in the credit company (register the card) Name, address, etc., or the latest information from the last use) is displayed on the computer of the product purchaser. If there is a change in work or home address, change it at that time. After the change, send the data to the credit company again. The computer of the credit company to which the data has been transmitted transmits an application acceptance number and a notification that the application has been completed to the computer of the product purchaser, and records the information in a file created in advance by the product purchaser. The product purchase applicant can cancel on all the screens from (4) to (11). Next, FIG. 6 shows a computer-readable recording medium used by a credit company for online credit (installment) shopping.
First, a product purchase application is directly connected to a computer of a credit company using a normal telephone line. At this time, the ID number of the sales company and the information of the member store which are not displayed on the screen of the product purchase applicant in FIG. 5 are also input. In FIG. 3, the computer-readable storage medium of the sales company has been submitted not only to the product purchaser but also to the credit company, so that the purchase application of the product purchaser is definitely the product of the member store of the credit company. Can be confirmed by the ID number and the member store information of the sales company. Therefore, the contents of FIG.
If the D number, etc. (ID number and member store information is only a matter of confirmation by the credit company and will not be output on the computer screen of the product purchaser), use the Internet line if the product purchaser can be notified without fail It is also possible to use this system when a sales company or a credit company transmits this system to a person who wants to purchase a product, and the application for purchase uses a normal telephone line according to the contents of FIG. The computer screen of the credit company displays the information (card number, PIN,
If there is no mistake in the member store ID number or the like, a copy of the master screen shown in FIG. 6 or the latest information from the previous use of credit (installment) is displayed, and if there is a change, it is corrected. The screen of FIG. 6 is the screen of (11) of FIG. When the correction is completed, the computer of the credit company sends the application date, application acceptance number, and notification that the application has been completed to the computer of the product purchaser, and the computer of the product purchaser writes the information to a file. Record automatically. Next, the computer of the credit sales company examines the product purchase applicant, and if it is not possible, gives a notice of the reason for the refusal to the product purchase applicant and notifies the sales company. If screening is possible, attribute data (name, age, date of birth, home address, home phone number, company name, company location) of the purchaser who cuts unnecessary information for the sales company as a purchase application notification to the sales company , Company telephone number, product delivery method, etc.) and the name of the purchased product, the number of purchases, and the purchase price are sent to the computer or facsimile of the sales company, and at the same time, the application date and application receipt number are also sent. Next, for the applicants whose examination results are acceptable, the installment payment statement is printed out and delivered. Next, FIG. 7 shows a computer-readable recording medium used by a sales company for online credit shopping. First, the screening result of the credit company is output to the attribute data screen of one product purchaser. Therefore, if the examination result is unsuccessful, a notice of application refusal will be issued or a telephone call will be made. If the result of the examination is acceptable or if the payment method is determined by selecting the other in (6) of FIG. 5, the product delivery method is confirmed on the second screen, and the product is delivered immediately. Next, the user moves to the third screen and prints out a document in accordance with Article 9 of the Door-to-door Sales Law and delivers it to the purchaser.

[0006]

By using the present invention, a product purchaser can obtain a purchased product more quickly and simplify a credit (installment) contract means, so that it has been used in mail order and the like. More expensive products can be purchased more safely than products. Sales companies can increase the number of customers who can purchase expensive products, and can offer customers an appeal that changes to direct mail that exceeds the sales company's business hours, increasing sales opportunities. Credit companies are expected to simplify operations, increase the number of customers using credit (installment), increase cardholders, and clarify the product content of sales companies by obtaining computer readable recording media for sales company advertising. it can.

[Brief description of the drawings]

FIG. 1 Conventional credit (installment) shopping contract

FIG. 2 Flow of conventional credit (installment) shopping contract business

FIG. 3 is a new credit (installment) application system using the computer of the present invention.

FIG. 4 is a flow chart of a new credit (installment) application system according to the present invention.

FIG. 5 is a computer-readable recording medium and system used by a product purchaser of the present invention.

FIG. 6 is a computer-readable recording medium and system used by the credit company of the present invention.

FIG. 7 is a computer-readable recording medium and system used by the sales company of the present invention.

Claims (4)

[Claims] [Claim 1] A method for making a purchase application by directly connecting to a computer of a credit sales company from a computer of a product purchaser when performing online credit (installment) shopping. 2. A computer-readable recording medium and system used by a product purchaser for online credit (installment) shopping. 3. A computer readable recording medium and system used by a credit company for online credit (installment) shopping. 4. A computer readable recording medium and system used by a sales company for online credit (installment) shopping.