KR20050107111A - Credit card inquiry system and method thereof - Google Patents

Abstract

Disclosed are a credit card inquiry system and a credit card inquiry method capable of easily grasping a sales situation for a predetermined period. The credit card inquiry system according to the present invention adds the sales amount of the products sold to the customer to the total sales amount of the products sold during the predetermined period, and texts or voices the added sales amount and the sales amount of the products sold. Send to the configured portable terminal.

Description

Credit card inquiry system and its credit card inquiry method {Credit card inquiry system and method

The present invention relates to a credit card inquiry system and a credit card inquiry method using the same. More specifically, the owner of a store can easily grasp the amount of sales of the products sold through the credit card and the total amount of sales for a certain period of time. The present invention relates to a credit card inquiry system and a credit card inquiry method using the same.

Recently, with the spread of credit cards, the sales of products through credit cards have increased rapidly. One of the devices used in response to the expansion of the use of such a credit card is a credit card inquiry system.

1 is a block diagram schematically illustrating a general credit card inquiry system. Referring to the figure, a credit card inquiry system includes a credit card inquiry system 100 and a host server 200. Here, the credit card inquiry machine 100 includes a reading unit 10, a communication unit 20, and an output unit 30.

The reading unit 10 is a card reader that reads customer information recorded on a customer's credit card. The reader 10 includes a customer's social security number, address, bank account through the credit card, a card number of the credit card, and an expiration date of the credit card. Read the information.

The communication unit 20 transmits the customer information read by the reading unit 10 to the host server 200 to inquire the credit rating of the customer. At this time, the communication unit 20 transmits the amount of the product that the customer wants to purchase through the credit card to the host server 200 to inquire whether the sale of the corresponding product is approved together.

Here, the host server 200 is a server that manages the credit information for the customer, the information about the goods purchased by the customer through the credit card for a predetermined period, the amount of goods purchased through the credit card during the predetermined period Information about the amount of the item that can be purchased through the credit card for a predetermined period, the amount of the amount that can be loaned through the credit card for a predetermined period, the amount of arrears for the product loaned or purchased through the credit card, Manages information about customers' creditworthiness to other banks with which customers do business.

When the customer information is received from the communication unit 20, the host server 200 transmits, to the communication unit 20, whether the customer wants to purchase the product through the credit card based on the information of the customer to manage.

When the customer receives the approval signal from the host server 200 through the communication unit 20 for the product that the customer wants to purchase through the credit card, the output unit 30 is the amount of sales of the goods sold to the customer and the card of the credit card The number is displayed on a display (not shown) and printed on the sales slip through a printing unit (not shown).

By the way, the credit card inquiry system as described above inquires whether or not to approve the goods to be sold based on the customer information read from the reading unit 10, and the owner of the store makes a total of the goods sold for the predetermined period. In order to grasp the sales, it is inconvenient to aggregate separately.

The present invention has been made to solve the above problems, credit card inquiry system that allows the owner of the store to easily grasp the sales amount of goods sold through the credit card and the total sales amount for a certain period of time; It aims at providing the credit card inquiry method using it.

Credit card inquiry system according to the present invention for achieving the above object, the customer information reading unit for reading the customer information from the customer's credit card, a host server for managing the credit information for the customer, the customer information reading unit A communication unit for transmitting the customer information read by the host server to check the creditworthiness of the customer, and an output unit for printing the sales amount of goods sold to the customer when an approval signal is received from the host server through the communication unit. A credit card inquiry system comprising: a sales amount adder for adding a sales amount of a product sold to the customer to a total sales amount of a product sold for a predetermined period, and a sales amount of the product sold to the customer and the sales The total sales amount added by the amount adding unit is voiced and transmitted to the set communication terminal. ARS (Audio Response System) is characterized in that it comprises.

In this case, the communication unit is linked to the SMS (Short Message Service) server, it is preferable to text the sales amount of the goods sold to the customer and the total sales amount added by the sales amount adder to the characterized transmission to the set portable terminal. .

Preferably, a number setting unit for inputting a unique telephone number assigned to the communication terminal and / or the portable terminal to set the transmission target of the text and / or voice, and adding, changing, and setting the telephone number. The apparatus further includes a password input unit for inputting a password for deletion.

On the other hand, the credit card inquiry system according to the present invention, (a) reading the customer information from the customer's credit card, (b) by transmitting the customer information read to the host server that manages the credit information for the customer Retrieving the creditworthiness of the customer; (c) if the approval signal is received from the host server, adding the sales amount of the product sold to the customer to the total sales amount of the product sold for a predetermined period; (d) Characterizing the sales amount of the goods sold to the customer and the total sales amount added to the set-up portable terminal, and (e) printing the sales amount of the goods sold to the customer. Provide a method.

Preferably, the credit card inquiry method, (f) inputting a password for setting the portable terminal, and (g) input a unique telephone number assigned to the portable terminal to the transmission target of the character; It further comprises the step of setting.

In addition, the credit card inquiry system, (a) reading the customer information from the customer's credit card, (b) transmitting the customer information read to the host server that manages the credit information for the customer of the customer Retrieving the credit rating, (c) adding the sales amount of the products sold to the customer to the total sales amount of the products sold for a predetermined period when an approval signal is received from the host server; Providing a credit card inquiry method comprising the steps of: voice-sending the sales amount of the sold product and the total sales amount added to the set communication terminal, and (e) printing the sales amount of the product sold to the customer. do.

As a result, the credit card inquiry system according to the present invention enables the owner of a store to easily grasp the amount of sales of the products sold through the credit card and the total amount of sales for a certain period of time.

Hereinafter, with reference to the accompanying drawings will be described in detail a credit card inquiry system and its credit card inquiry method.

2 is a block diagram schematically illustrating an embodiment of a credit card inquiry system according to the present invention.

Referring to the drawings, the credit card inquiry system includes a host server 200, a credit card inquiry machine 300, and a portable terminal 500. Here, the host server 200 is a server that manages the credit information for the customer, and since the same operation and action as described above is given the same part number, description thereof will be omitted below.

Credit card query 300 is a reading unit 310, communication unit 320, sales amount adder 330, ARS (Audio Response System) 340, number setting unit 350, encryption input unit 360, And an output unit 370.

The reading unit 310 is a card reader that reads customer information recorded on a customer's credit card, and includes a customer's social security number, address, bank account through the credit card, a card number of the credit card, and an expiration date of the credit card. Read the information.

The communication unit 320 transmits the customer information read by the reading unit 310 to the host server 200 to inquire the credit rating of the customer. At this time, the communication unit 320 transmits the amount of the product that the customer wants to purchase through the credit card to the host server 200 to inquire whether the sale of the corresponding product is approved together.

When an approval signal is received from the host server 200 for a product that the customer wants to purchase through the credit card, the sales amount adding unit 330 sends the customer the total sales amount of the product sold in the store for a predetermined period. Add the sales amount of the goods sold. At this time, the sales amount adding unit 330 is preferably implemented to calculate the total sales amount for a day, total weekly sales amount, or monthly total sales amount according to the user's setting.

The ARS 340 is an automatic voice answering system that inputs various information into a database system and provides information to telephone users through a general public telephone network. The ARS 340 adds a sales amount and a sales amount of a product sold to a customer. The total sales amount added by the voice is transmitted to the set portable terminal 500 by voice. In this case, although the ARS 340 transmits the sales amount and the total sales amount of the voiced goods to the portable terminal 500, the ARS 340 stores a general telephone capable of receiving voice, and stores the voice later. It is also possible to transmit to a communication terminal such as a pocket bell which can confirm voice. In addition, the ARS 340 may store the sales amount and the total sales amount of the voiced goods, and may be implemented to allow the user to listen to the voice by calling the storage number of the voice stored in the user's portable terminal 500.

Here, the credit card inquiry system according to the present invention, inputs a unique phone number assigned to the portable terminal 500 in order to prevent the information about the total sales amount of the store and the sales amount of the products to be sold out to others Number setting unit 350 for setting a voice transmission target and a password input unit 360 for inputting a password for addition, change, and deletion of the telephone number set by the number setting unit 350. Do.

The ARS 440 retrieves the unique number of the portable terminal 500 set from the number setting unit 450 and is voiced to the portable terminal 500 of the transmission target searched through an exchange (not shown) of a general public telephone network. Send the information.

The output unit 370 displays the sales amount of the goods sold to the customer and the card number of the credit card on the display (not shown) and prints the sales slip through the printing unit (not shown).

As a result, the user of the credit card inquiry system can receive information about the total sales amount sold in the store by voice whenever a change occurs during the set daily, weekly, or monthly periods. It is easy to understand the amount of sales.

Figure 3 is a block diagram schematically showing another embodiment of a credit card inquiry system according to the present invention. Referring to the drawings, the credit card inquiry system includes a host server 200, a credit card inquiry machine 400, a portable terminal 500, and a short message service (SMS) server 550. Here, since the operation and operation of the host server 200 are the same as described above, description thereof will be omitted.

The credit card inquiry machine 400 includes a reading unit 410, a communication unit 420, a sales amount adding unit 430, an ARS 440, a number setting unit 450, a password input unit 460, and an output unit 470. ).

The reader 410 is a card reader that reads customer information recorded on a customer's credit card. The reader 410 includes a customer's social security number, an address, a bank account through the credit card, a credit card number, and an expiration date of the credit card. Read the information.

The communication unit 420 transmits the customer information read by the reading unit 410 to the host server 200 to inquire the credit rating of the customer. At this time, the communication unit 420 transmits the amount of the product that the customer wants to purchase through the credit card to the host server 200 to inquire whether the sale of the corresponding product is approved.

The operation and action of the sales amount adding unit 430, the ARS 440, the number setting unit 450, and the password input unit 460 are the sales amount adding unit 330, the ARS 340, and the number setting of FIG. 2. Since the operation and operation by the unit 350 and the password input unit 360 are similar, the description thereof is omitted.

Here, the communication unit 420 is interlocked with the SMS server 550, and transmits the sales amount of the product sold to the customer and the total sales amount added by the sales amount adding unit 430 to the mobile terminal 500. .

Here, the credit card inquiry system according to the present invention is provided with a service selection unit (not shown) so that the user can select to receive a voice message by the ARS 440 or a text message through the SMS server 550. And, it is preferably implemented to be able to selectively receive a text message or a voice message.

In addition, the number setting unit 450 receives the telephone number of the customer that the product is sold, and text or voice of the sales amount of the product to the mobile terminal of the customer through the ARS 440 or SMS server 550 It may be implemented to send a message. In this case, the ARS 440 may transmit a voice message to a general communication terminal as described above.

Thus, the user of the credit card inquiry system according to the present invention can selectively receive information on the total sales amount for a predetermined period by voice or text message.

In the figure, the credit card query 300 according to the present invention is implemented by transmitting only a voice message through the ARS 340 or selectively transmitting a voice message or a text message through the ARS 440 or the SMS server 550. However, the present invention is not limited thereto and may be implemented to transmit only a text message through the SMS server 550.

4 is a flowchart illustrating an embodiment of a credit card inquiry method according to the present invention. Here, it will be described that the credit card inquiry system according to the present invention transmits only a text message to the mobile terminal 500 through the SMS server 550.

The user of the credit card inquiry system, that is, the owner of the store, inputs a password for setting the transmission target portable terminal 500 of the text message through the password input unit 460 (S410). In this case, the input of the password by the user is not performed every time a text message is received, but only when initially setting the transmission target portable terminal 500 of the credit card inquiry system or changing or deleting the set portable terminal 500. It is preferably implemented to input.

When a password for setting the portable terminal 500 is input through the password input unit 460, the user may input a new phone number of the portable terminal 500 or change a preset phone number through the number setting unit 450. Can be deleted (S412).

When the customer information is read from the customer's credit card through the reading unit 410 (S414), the communication unit 420 transmits the read customer information to the host server 200 to inquire the credit level of the customer (S416).

When the approval signal is received from the host server 200 (S418), the sales amount adding unit 430 adds the sales amount of the product sold to the total sales amount of the predetermined period (S420).

The communication unit 420 transmits the total sales amount added by the sales amount adder 430 and the sales amount of the product to be sold to the SMS server 550. At this time, the SMS server 550 is preferably implemented in conjunction with the communication unit 420 to be a real-time characterization of the information received from the communication unit 420.

The SMS server 550 texts the sales amount of the goods to be sold and the total sales amount added by the sales amount adding unit 430, and converts the text information into the portable terminal 500 set through the number setting unit 450. Transmit (S422). In this case, when the phone number of the customer who sells the product is input through the number setting unit 450, the SMS server 550 preferably transmits the sales amount of the product that is sold to the input terminal of the customer. Do.

The output unit 470 prints the sales amount of the goods to be sold on the slip so that the final settlement of the customer can be made (S424).

5 is a flowchart illustrating another embodiment of a credit card inquiry method according to the present invention. Here, it will be described that the credit card inquiry system according to the present invention transmits only the voice message to the portable terminal 500 through the ARS 440. In addition, since steps S510 to S520 are the same as steps S410 to S420 of FIG. 4, description thereof is omitted.

The ARS 340 voices the total sales amount of the predetermined period added by the sales amount adding unit 330 and the sales amount of the goods to be sold and transmits the voice to the communication terminal including the portable terminal 500 (S522). At this time, when the telephone number of the customer who sells the product is input through the number setting unit 350, the ARS 340 is preferably implemented to voice the sales amount of the product to be sold to the customer's communication terminal.

The output unit 370 prints the sales amount of the sold product on the slip so that the final payment of the customer can be made (S524).

According to the present invention, the user of the credit card inquiry system can receive the information on the total sales amount of the predetermined period and the sales amount of the goods sold by inputting the telephone number of the portable terminal or the communication terminal of the predetermined period. You can easily see the change in sales over a set period of time.

Although the preferred embodiments of the present invention have been illustrated and described above, the present invention is not limited to the specific embodiments described above, and the present invention is not limited to the specific embodiments of the present invention without departing from the spirit of the present invention as claimed in the claims. Anyone skilled in the art can make various modifications, as well as such modifications are within the scope of the claims.

1 is a block diagram schematically showing a typical credit card inquiry system;

2 is a block diagram schematically showing an embodiment of a credit card inquiry system according to the present invention;

3 is a block diagram schematically showing another embodiment of a credit card inquiry system according to the present invention;

4 is a flowchart showing an embodiment of a credit card inquiry method according to the present invention; and

5 is a flowchart illustrating another embodiment of a credit card inquiry method according to the present invention.

Explanation of symbols on main parts of drawing

100, 300, 400: credit card lookup 200: host server

10, 310, 410: reader 20, 320, 420: communication

330, 430: Sales Amount Adder 340, 440: ARS

350, 450: number setting unit 360, 460: password input unit

30, 370, 470: output unit 500: portable terminal

Claims (6)

A customer information reading unit that reads customer information from a customer's credit card, a host server that manages the credit information for the customer, and transmits the customer information read by the customer information reading unit to the host server, thereby increasing the creditworthiness of the customer. In the credit card inquiry system having a communication unit for inquiring, and an output unit for printing the sales amount of goods sold to the customer when the approval signal is received from the host server through the communication unit, A sales amount adding unit for adding a sales amount of the products sold to the customer to the total sales amount of the products sold during the predetermined period; And And an ARS (Audio Response System) for converting the sales amount of the goods sold to the customer and the total sales amount added by the sales amount adder into a voice communication to a set communication terminal. The method of claim 1, The communication unit is interlocked with an SMS (Short Message Service) server, credits the sales amount of the product to be sold to the customer and the total sales amount added by the sales amount adder characterizes and transmits to the set portable terminal Card lookup system. The method according to claim 1 or 2, A number setting unit for inputting a unique telephone number assigned to the communication terminal and / or the portable terminal to set the transmission target of the text and / or voice; And And a password input unit for inputting a password for adding, changing, and deleting the set phone number. (a) reading customer information from the customer's credit card; (b) querying the credit rating of the customer by transmitting the read customer information to a host server managing credit information of the customer; (c) if the approval signal is received from the host server, adding the sales amount of the products sold to the customer to the total sales amount of the products sold during the predetermined period; (d) characterizing the sales amount of the goods sold to the customer and the added total sales amount and transmitting the texts to the set portable terminal; And (e) printing the amount of sales of the goods sold to the customer credit card inquiry method comprising the. The method of claim 4, wherein (f) inputting a password for setting the portable terminal; And (g) inputting a unique telephone number given to the portable terminal, and setting the transmission target of the text as a credit card inquiry method. (a) reading customer information from the customer's credit card; (b) querying the credit rating of the customer by transmitting the read customer information to a host server managing credit information of the customer; (c) if the approval signal is received from the host server, adding the sales amount of the products sold to the customer to the total sales amount of the products sold during the predetermined period; (d) converting the sales amount of the merchandise sold to the customer and the added total sales amount into voice and transmitting them to the established communication terminal; And (e) printing the amount of sales of the goods sold to the customer credit card inquiry method comprising the.