KR20000020362A - Inquiry system of individual credit information using automatic answering system and method therefor - Google Patents

Abstract

PURPOSE: An inquiry system of an individual credit information is provided to save a lot of time and expenses by obtaining individual credit information on dealings with all credit dealing institutions through one enquiry. CONSTITUTION: An integrated database system(310) of a credit information management system integrates and stores various information provided from database systems(411a¯411n, 421a¯421n, 431a¯431n, 441a¯441n) of a credit dealing institution connected to the credit management system, and a central control system controls entire operations of the credit information management system. The integrated database system(310) is connected to a public telephone network(200) connected to a communication equipment(100) and then connected to all the database systems(411a¯411n, 421a¯421n, 431a¯431n, 441a¯441n) built in each of the credit dealing institutions, so that the information is shared.

Description

Personal Credit Information Inquiry System Using Telephone Auto Answering System and Its Control Method

The present invention relates to a credit information retrieval system, and more specifically, to a credit information retrieval system using a telephone automatic answering system capable of confirming the credit status of all the credit institutions that are trading through the telephone automatic answering system at a time; The control method is related.

In addition to direct transactions using cash due to the development of information and communication technology, credit transactions in which credit or other cards are used to pay the price or price of a desired item and then remit the amount through a financial institution are actively underway. It is becoming.

As a result, ordinary consumers can purchase desired items without having to carry cash, and can use transportation such as buses and subways. Such credit transactions are being used more and more.

As such credit transactions are actively conducted, it is common for one consumer to deal with several credit institutions.

However, since the purchase of real goods does not require cash, consumers often impulse purchases beyond their ability to settle, and many creditors fail to pay the amount within a specified period.

Therefore, as credit transactions are gradually progressing in credit institutions and financial institutions, creditors are thoroughly managing their credit, and penalties for bad traders who regularly fail to pay their bills. He is also very interested in his credit transactions.

Therefore, in order to check the credit status of the creditors, the creditors check their credit ratings directly through the corresponding trading institutions by using a telephone answering system or a computer communication network using a telephone or the like, and confirm the transaction history.

However, if one trader is dealing with many credit institutions such as several credit card companies, banks, department stores, etc., in order to obtain accurate information about all credit institutions, one trader must contact the credit institution one by one, I have verified my personal credit information.

As a result, a lot of time is consumed, and a lot of call costs are wasted because it must be checked by using a telephone or a computer.

Therefore, the technical task of the present invention is to make it possible to confirm all the credit information of all the institutions for each transaction with a single inquiry.

1 is a block diagram of a credit information inquiry system using an automatic telephone answering system according to an embodiment of the present invention;

2 is a connection state diagram of each database system of the credit information inquiry system using the telephone answering system according to the embodiment of the present invention;

3A to 3C are flowcharts illustrating a method of controlling a credit information inquiry system using an automatic telephone answering system according to an embodiment of the present invention;

4 is a flowchart illustrating an operation of a control method of each credit institution for identifying a creditor.

In order to solve this problem, the present invention establishes an integrated database system which shares with the database system storing personal credit information of all creditors built in each credit institution, and uses the data constructed in the integrated database system. Retrieve all trader personal credit information.

Preferably, it further comprises a central control system connected to the integrated database system, the central control system for controlling the retrieval of personal credit information of the creditors stored in the integrated database system.

When the central control system retrieves the personal credit information of the creditor, it is preferable that the personal identification information of the creditor is input, and the personal identification information is included in the personal identification number.

Then, with reference to the accompanying drawings, a person having ordinary knowledge in the technical field to which the present invention belongs to a credit information inquiry system and a control method thereof using an automatic telephone answering system according to an embodiment of the present invention can easily facilitate the present invention. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS The most preferred embodiments that can be implemented are described in detail with reference to the accompanying drawings.

1 is a block diagram of a credit information inquiry system using an automatic telephone answering system according to an embodiment of the present invention, and FIG. 2 is a diagram of each database system of the credit information inquiry system using an automatic telephone answering system according to an embodiment of the present invention. 3A and 3B are flowcharts of operations of a control method of a credit information inquiry system using an automatic telephone answering system according to an embodiment of the present invention, and FIG. 4 is a control of each credit institution for identifying a creditor. Operational flowchart of the method.

As shown in Fig. 1 and Fig. 2, a credit information inquiry system using an automatic telephone answering system according to an embodiment of the present invention includes a variety of communication equipment 100 for allowing a credit trader to confirm desired personal credit information; The public telephone network 200 connected to the communication equipment 100, the integrated database system 310 and the central control system 320 are embedded, the credit information management system 300 connected to the public telephone network 200, and the database system ( 411a to 411n, 421a to 421n, 431a to 431n, 441a to 441n, and are constituted by a credit transaction institution 400 connected to the credit information management system 300.

As the communication equipment 100, a telephone 110, a mobile telephone 120, and a facsimile 130 are used, and the public telephone network 200 includes the telephone 110, the mobile telephone 120, and the communication equipment 100. It is connected to all communication lines of the facsimile 130.

The integrated database system 310 of the credit information management system 300 is provided in the database systems 411a to 411n, 421a to 421n, 4311 to 431n, 441a to 441n of the credit institution 400 connected to the credit management system 300. Various information provided is integrated and stored, and the central control system 320 controls the overall operation of the credit information management system 300.

The credit institution 400 is a database system in which control systems C1a to C1n, which control the overall control operation, are respectively embedded, connected to the control systems C1a to C1n, and in which all the information about the creditors in each transaction are recorded. A plurality of credit card companies 41a to 41n in which 411a to 411n are established, and control systems C2a to C2n for controlling the overall control operation are respectively embedded and connected to the control systems C2a to C2n, and each transaction A plurality of department stores 42a to 42n in which database systems 421a to 421n in which all the information of creditors are recorded are built, and control systems C3a to C3n for controlling the overall control operation are respectively embedded. A plurality of financial institutions 43a through which database systems 431a through 431n, which are connected to the control systems C3a through C3n and which record all information on the creditors in each transaction, are built. 43n) and a database system 441a to which control systems C4a to C4n for controlling the overall control operation are embedded, connected to the control systems C4a to C4n, and in which all the information on the creditors in each transaction are recorded. 441n) includes a plurality of mobile telecommunication companies 44a to 44n.

The central control system 320 of the credit information management system 300 and the control systems C1a to C1n, C2a to C2n, C3a to C3n, and C4a to C4n of each credit institution 410 to 440 are computer systems. A configuration (not shown) required for the system is provided, and respective control operations are executed.

As shown in Fig. 2, the integrated database system 310 is connected to the public telephone network 200 connected to the communication equipment 100, and all the database systems 411a to 340 which are respectively built in each credit institution 400. 411n, 421a-421n, 431a-431n, 441a-441n to share information.

A schematic operation of the credit information inquiry system using the telephone answering system having such a structure will be described with reference to FIGS. 3A to 3C and 4.

Hereinafter, only operations for obtaining personal credit information of a desired credit trader using the credit information management system 300 will be described.

When the operation of the central control system 320 of the credit information management system 300 starts (S100), it determines whether the creditor or the customer has entered the corresponding ARS number through the communication equipment (100) (S1).

When the creditor enters the correct ARS number through the communication equipment 100, the central control system 320 uses information available through the ARS service, for example, self credit inquiry service, service guide, company profile, etc. After guiding the method (S2), it is determined whether the self-credit inquiry service is selected (S3).

If the user selects a service item other than the self-credit inquiry service, the operation is terminated after providing another selected service (S4, S2000). If the self-credit inquiry service is selected, the central control system 320 inquires. Guides the available credit institutions for cost and self credit check (S5).

Then, the central control system 320 determines whether or not the personal identification information that can identify the identity of the creditor wants to inquire (S6).

At this time, the personally unique identification information that can be inputted is an account number, a card number, a social security number, a personal number of a mobile phone, and the like. However, the social security number and the password for each bank account or card must be entered.

As a result, the loss of credit cards, bank accounts, mobile phones, etc. prevents unwanted personal information from being leaked to others, resulting in disadvantages.

When the ARS number is called and the personal identification information of the creditor who wants to inquire is input, the central control system 320 sends the inputted personal identification information to the corresponding credit institution 410 to the credit institution 400. 440 is transmitted to the corresponding control systems C1a to C1n, C2a to C2n, C3a to C3n, and C4a to C4n (S7).

The control systems C1a to C1n, C2a to C2n, C3a to C3n, and C4a to C4n of the credit bureaus 410 to 440 receive the transmitted personally unique identification information of their own database systems 411a to 411n and 421a. The information stored in 421n, 431a to 431n, 441a to 441n is used to confirm whether the credit customer is his or her customer.

At this time, if the personally identifiable information is the account number of one of the financial institutions 430, 43a to 43n, the personally identifiable information input to the corresponding financial institution 43a to 43n of the financial institution 430. If the personal identification information is the card number of any of the credit card companies 41a to 41n, the personal identification information entered is sent to the corresponding credit card companies 41a to 41n.

Next, with reference to FIG. 4, the customer confirmation operation when the personally unique identification information is transmitted to each corresponding credit institution 410 to 440 will be described.

First, the control systems C1a to C1n, C2a to C2n, C3a to C3n, and C4a to C4n check whether the personal identification information is input from the credit information management system 300 (S201).

When the personally identifiable information desired to be confirmed by the credit information management system 300 is input, the control system of the credit institution 410 to 440 has its own database system 411a to 411n, 421a to 421n, 431a to 431n, 441a. (441n) is used to search whether there is data matching the input personal unique recognition information (S202, S203).

If there is data matching the personally identifiable information of the creditor, it can be seen that the creditor is a customer of the credit institution 410 to 440. Only the basic data regarding the simple credit status is searched, and the search result is returned to the credit information. The transmission is transmitted to the management system 300 (S204).

However, if there is no matching data, the search operation is performed a predetermined number of times (S205, 206), and if there is still no matching data, the search result is transmitted to the credit information management system 300 (S207). ).

The reason for confirming the credit trader in the credit transaction institutions 410 to 440 is that the credit information management system 300 itself cannot execute the verification operation of the credit trader. Therefore, each corresponding credit institution 410 to 440 executes customer identification corresponding to the personally unique identification information transmitted from the credit information management system 300 to transmit the corresponding data to the credit information management system 300.

Therefore, the central control system 320 determines whether the basic search data is received from the corresponding credit institution 410 to 440 which has transmitted the inputted personal identification information (S8).

When the basic search data is received from the credit bureaus 410 to 440, whether the credit trader corresponding to the personally identifiable information can be settled through the credit bureaus 410 to 440 using the received search data. Determine (S9).

In other words, if there is no data matching each other, or if the card corresponding to the input card number is a transaction stop card, or if the credit transaction itself is impossible to settle, such as a bankbook transaction corresponding to the input account number is stopped. When the use of the mobile communication corresponding to the input or the mobile communication number is stopped, the operation is terminated after informing the reason that the self credit inquiry is impossible to the credit trader who cannot pay his / her own payment (S10, S11, S2000).

However, if the contents of the search data is determined that the card, bank account, or mobile communication is normally available for payment by the user, the central control system 320 may store all of the corresponding creditors of the transaction stored in the integrated database system 310. The personal credit information is searched to determine whether credit is bad (S12).

Thereafter, the central control system 320 informs the creditor or the customer of the determined credit failure by using the public telephone network 200 to the currently connected telephone 110 or the mobile telephone 120 (S13). .

Then, the central control system 320 transmits a voice for the "detailed inquiry" by voice (S14), the telephone 110 of the communication equipment 100 or the mobile device 100 is currently connected to the corresponding number for the "detailed inquiry" It is determined whether it is input through the phone 120 (S15).

If "detail inquiry" is not selected by the user, the operation ends (S2000). However, when the "detailed inquiry" is selected, the central control system 320 retrieves all the personal credit information of the creditors using the integrated database system 310, and thus executes the detailed inquiry (S16).

The central control system 320 then guides the possible methods for providing the retrieved detailed information (S17). Therefore, the user can confirm by voice through the telephone 110 or the mobile telephone 120 currently in use, or text by fax.

When the fax service is selected by the user (S18), the central control system 320 outputs voice information for inputting the fax number through the public telephone network 200 (S19), and then determines whether the fax number is entered. (S20).

When the fax number is input, the central control system 320 determines whether the entered fax number is in a normal state (S21). If the fax number is not normally input for a set number of times (S22, S23), the operation ends. (S2000).

However, if the entered fax number is entered in the normal state, the central control system 320 transmits the retrieved detailed information to the corresponding facsimile 130 of the communication equipment 100 through the public telephone network 200 (S24).

As a result, the creditor receives detailed personal credit information through facsimile 130.

However, if the voice service is selected in step S18, the central control system 320 guides the user to select the information available for inquiry (S25).

At this time, the types of information that can be selected are their bad transaction details, credit transaction details, and inquiry destination details.

Therefore, when the number selected by the user is a bad information selection item (S26), the central control system 320 determines whether there is a bad transaction history by using the already retrieved data (S27).

Therefore, when there is a bad transaction history, the central control system 320 voices the retrieved bad transaction details by voice (S28), and when there is no bad transaction history by voice, it indicates that there is no bad transaction details (S29). ).

However, when the number selected by the user is a credit information selection item (S26), the central control system 320 determines whether there is a credit transaction history using the already retrieved data (S30).

Therefore, when there is a credit transaction history, the central control system 320 voices the searched credit transaction history by voice (S31), and when there is no credit transaction history by voice (S32). .

In addition, when the number selected by the user in step S26 is the query destination information selection item, the central control system 320 inquires the credit information of the other credit institution 400 using the already retrieved data. It is determined whether there exists (S33).

If there is a fact that the credit institution has inquired his credit information, the central control system 320 guides the corresponding information, such as the number of inquiries and the inquiry details (S34), and if the inquiry does not exist, the inquiry There is no description by voice (S35).

As a result, the personal credit information of the creditor wishing to inquire is transmitted through the phone 110, the mobile phone 120, or the facsimile 130.

At this time, since the transmitted personal credit information is all credit information recorded in the database system of each connected institution 410 to 440 of the credit institution 400, the individual of the creditors for all the credit institution 400 You will know your credit information at once.

As described above, according to the present invention, it is possible to save a lot of time and expense since it is possible to know personal credit information with all the credit institutions with which one deals with one transaction only by one inquiry operation.

In addition, since it is necessary to simultaneously input not only the transaction information of the credit bureau, but also the social security number and password, to prevent the leakage of personal information due to loss or theft, it is possible to prevent economic disadvantages. Occurs.

Claims (8)

A plurality of credit institutions each having a database storing credit information about the creditors; A credit information management system having an integrated database for storing credit information stored in the databases of the plurality of credit institutions and integrating and storing the credit information of the plurality of credit institutions for each credit trader; And the creditor accesses the credit information management system through a communication system, so as to query the integrated credit information of a plurality of credit institutions which the creditor trades. The method of claim 1, When the creditor views the integrated credit information, the credit information management system determines whether the personally identifiable information of the creditor is input, and transmits the inputted personally identifiable information to each credit institution, After receiving the personally identifiable information, the credit institution searches whether the data matched with the transmitted personally identifiable information is in a built-in database. Credit information inquiry system, characterized in that for transmitting. The method of claim 2, The personal unique recognition information, A credit information inquiry system comprising a personal identification number, a password, and a social security number of a credit trader for the credit institution. A credit inquiry control method of a credit information management system having an integrated database that stores credit information stored in databases of a plurality of credit institutions and integrates and stores the credit information of the plurality of credit institutions for each credit provider. In Determining via the communication system whether an integrated credit check has been selected for a credit trader; Determining whether personally identifiable information about the creditor has been entered if a credit inquiry about the creditor is selected; If personally identifiable information is input, transmitting the personally identifiable information to the credit institution so as to determine whether or not the creditor can query the information; Retrieving the integrated credit information of the creditor corresponding to the personally identifiable information using the data stored in the integrated database system upon receiving the determination result that the credit transaction company can query the information from the credit transaction institution; A credit inquiry control method of a credit information management system, comprising: transmitting the retrieved credit information to a credit trader. The method of claim 4, wherein the personally unique identification information, The credit inquiry control method of the credit information management system, characterized in that it comprises a creditor's unique number, password, and social security number for the credit transaction institution. The method of claim 4, wherein The method may further include terminating the inquiry of the credit information when the judgment result transmitted from the credit institution does not exist with data matching each other and personal credit information, or when the credit transaction is impossible. How to control credit inquiry of credit information management system. The method of claim 4, wherein The credit translator may select a voice service or a fax service to receive the retrieved integrated credit information. The method of claim 7, wherein When the creditor selects a voice service, the credit inquiry control method of the credit information management system, characterized in that it is possible to select and receive only the desired information from the bad transaction history, credit transaction history, or query destination transaction history.