WO1994007205A1

WO1994007205A1 - Method for providing service on credit utilizing telephone lines

Info

Publication number: WO1994007205A1
Application number: PCT/JP1993/001341
Authority: WO
Inventors: Toshio Ohno
Original assignee: Kim, Soon, Ik; Lee, Byung, Ke
Priority date: 1992-09-18
Filing date: 1993-09-20
Publication date: 1994-03-31

Abstract

An information providing device (2) connected to telephone lines, on receiving a call from a user's terminal (1), sends out a guidance to the terminal, prompts the user to input the card number and password number. After the input of the numbers by the user, the device transfers the numbers to the host computer (3) which manages the information utilization fees. The host computer checks the user conditions including the identification of the user for each number. If the conditions are satisfied, the host computer transfers the card number and others to a card credit company (5) to make the credit reference and other confirmations of the user. When receiving the result of the credit reference and the other confirmations from the card credit company, the host computer transmits it to the information providing device. If the result of the credit reference is normal, the information providing device begins providing the information service as selected by the user through the user's terminal. After the service the terminal transmits the utilization data to the host computer and the card credit company.

Description

Harm

[Name of the invention]

Depends on credit using telephone line

Service provision method

〔Technical field〕

The present invention relates to a credit card service providing system using a telephone card line by a credit card holder. In particular, credit card holders can provide services that provide various types of information for a fee through the telephone line. It relates to a service providing method that can be used to receive payments by credits. (Background technology)

Recently, services that can receive information by a specific dial number to the public telephone network as a Tereho down service, for example the popular Da Iyaru Q ² boils and expanded Naru县expected as a new business market but, on e Ntateime down doors and Rejiya information is the main, unauthorized use by others, a problem with the ability to pay over-use and social problems of the youth, Imeji has become rapidly worse, dial Q ² support There were various problems with the service itself, such as restrictions on service areas and restrictions on outgoing calls from some public telephones, as well as on the handling of information charges by public telecommunications carriers. . In recent years, the use of mail-order sales has become popular, but it is possible to place orders for mail-order sales using telephone lines, but after the goods have arrived, cash has been remitted or transferred to the seller. It is possible to pay by credit through exchanges. In addition, it is possible to make payments simultaneously by sending a credit card number or the like orally over the phone at the time of mail-order sales by manually inquiring with a terminal.

As described above, in the conventional information provision service using telephone line lines, unauthorized use of telephone line lines (telephones) by others may occur, and usage charges may be postpaid and information charges may not be collected. There were problems such as the provision (or use) of service information beyond the ability to pay due to being a proxy for the public telecommunications carrier that collects fees.

In addition, in the case where payment is made by credit even if an order is made using a telephone line in mail-order sales, it is a troublesome task to ensure that the conditions for payment by the credit are satisfied. There were problems such as the necessity of exchanging data and manually inquiring from the terminal.

In view of the circumstances described above, the present invention is applicable to any telephone, such as a general telephone, a public telephone, a car telephone, a mobile telephone, a facsimile, a personal computer, etc. Access from any terminal that can be connected to the telephone line (including terminals that access wirelessly) to obtain desired service information such as English conversation, recruitment, bridal relations, law, tax, business consultation, etc. And it took me! ? Can be settled with a credit card. The purpose of this service is to provide a credit-based service provision method using telephone lines that can prevent unauthorized use and overuse of the service.

In the past, there was a problem in mail-order sales that even if an order could be placed on the telephone line, payment by credit card could not be made at the same time as payment by credit card. Therefore, another object of the present invention is to realize a service providing method that allows a credit card holder to apply for a credit payment at the same time as ordering a product from a terminal connected to the telephone line. It is intended to do so.

[Disclosure of the invention]

According to the present invention, an information providing device that a user holding a credit card can call from a terminal such as a telephone is connected to a public network, and guidance is sent out when a user terminal receives a call. Transfer each number to the host contributor who receives the card number and PIN from and manages the information usage fee. The host computer checks the usage conditions including identity verification for each number, and if the conditions are dropped, forwards the card number, etc. to the card company, conducts a credit inquiry or other confirmation, and checks the card company. When the credit inquiry result is received from, it is transmitted to the information providing device. If there is no abnormality in the credit inquiry result, the information providing device starts providing service information at the end of the user, and after completion, sends the usage data to the host computer and the card company.

In addition, a user holding a credit can communicate from a terminal such as a telephone. When the automatic ordering system is called to place an order for mail-order sales, the automatic ordering system sends out guidance, and when a request is made to send the required membership number, the corresponding number is entered and a check is performed on the number. If the result of the tick is good, the subscriber is sent data on the merchandise from the terminal, the received information is sent to the host computer, and a request is made for the card number and password. When the user terminal enters these numbers, the host con- troller checks the information and, if there is no abnormality, sends it to the force company database to make a credit inquiry. In response to this, the automatic order receiving system sends a message to the user terminal and sends a message to the user terminal. If the credit inquiry result is normal, the credit card sales record is recorded. Is sent to the power of one-de-company database. [Brief description of drawings]

FIG. 1 is a first basic configuration diagram of the present invention, FIG. 2 is a second basic configuration diagram, FIG. 3 is a third basic configuration diagram of the present invention, and FIG. 4 is a control operation flow diagram of the first embodiment. 5 and 6 are control operation flow diagrams (part 1) and (part 2) of the second embodiment, and FIGS. 7 and 8 are control operation flow diagrams (part 1) and (part 2) of the third embodiment. .

[Best mode for carrying out the invention]

Embodiments of the present invention for achieving the above object will be described below.

FIG. 1 shows a first basic configuration of the present invention. Figure 1 shows the public network Users (telephones, etc.), 2 accommodated in the (telephone network) are placed under the information provider, and provide service information requested by users of the public network (telephone network). An information-providing device that has the function of receiving a user's credit card number or PIN and transferring it to the host con- verter. 3 has information on each user and performs a credit inquiry to the card company. The host computer, which is connected to the information provision equipment 2 by a line and is installed in the information provision fee management company, 4 responds to credit inquiries via the line to the database of each credit card company. CAFIS: Credit and Finance Infor- mation System (CAFIS) Centers with functions such as interfacing with protocols supported by various companies. Credit card company (Card company Provided say), card usage data at each 愐人 (card) by various data (current issued, billing, credit standing, etc.) card company database that is stored.

For the information providing device, a personal computer or the like which can be easily added may be used, and the credit center 14 for performing the credit inquiry includes a communication between the card company database 5 and the host computer 3. A mechanism for mediating communications. FIG. 1 shows an outline of a processing procedure of a control program for a computer built in the information providing device 2.

The user terminal 1 in Fig. 1 can call the information providing device 2 from a large number of users who have a credit card, and the information providing device 2 uses a surface line (for example, a dedicated surface line, a public surface). Line, bucket communication network, etc.) or directly connected cable to the host computer 3. They are connected, and the connection between the host computer 3 and the cable center 14 and the connection between the cable center 4 and the card company database 5 are each made with a surface line (same as above) or a directly connected cable. Is done. Also, the caf- ess center 4 is not always necessary, and the host computer 3 can connect to each card company database 5 via a line.

In the service information providing system using the telephone line according to the first basic configuration of the present invention in FIG. 1, when a telephone from the user terminal 1 is connected to the information providing device 2 via the public line, The computer control program built into the information providing device performs the processing with the following shoes:

Ό

Explaining the basic operation of Fig. 1, when the user terminal 1 is connected to the information providing device 2, the user first receives guidance (please enter a credit card number and a password). When the user inputs his / her credit card number and personal identification number according to this guidance, the information providing device 2 makes this input via a public plane line (or a dedicated line). The signal is transferred to the host computer 3, and at the same time, the menu guidance of the service information to be provided to the user is transmitted for a predetermined time.

On the other hand, upon receiving the signal from the information providing device 2, the host computer 3 reads out the card information of the user from the memory storing the usage information according to the built-in control program, and confirms the identity of the user. Judgment of usage conditions such as the information charge billing limit tick, and access to the credit card database 5 directly or via the cash center 4 if there is no problem. And make a credit inquiry and other checks. If the credit can be provided, that is, if there is no abnormality, a signal to that effect is sent to the information providing device via the host computer 3 and the menu is displayed. Allows the provision of service information selected by the user.

Therefore, as soon as the user enters the credit code number and the password β number, the service information menu guidance is sent out, and the user and the car are used during the time when the user is receiving it. Since the user checks the password, it is possible to smoothly provide service information without putting the user in a standby state. After the program has been provided, the service information providing device 2 calculates usage data (usage time, etc.) for credit card settlement, and records this usage data on the host computer 3. If there is a request from the card company, the data is sent from the computer 3 to the card company database 5 for settlement by credit. This data is recorded on a magnetic tape, etc., and later submitted to a card company, which is used as credit settlement payment data. In addition to the operation described above, the configuration in Fig. 1 can be operated with the following changes.

When you receive a call, enter your credit card number and PIN.

At this time, the validity period of the card may be input. In the above case, the menu guidance is sent out after the user enters the number. However, when the information (program) to be provided is single, music or CM is sent out, or when the time is short, there is no sound. Can be Furthermore, in the above operation, the host computer 3 uses memory from memory. The user's card information is read out to verify the identity, but identification (a check using a credit card number and a password) can be performed by the force company database 5. it can . In such a case, the card company database 5 can perform accurate checking based on the latest data, and can manage the personal identification number only by the card company.

Next, FIG. 2 is a second basic configuration diagram according to the present invention. In the configuration of Fig. 2, a credit inquiry device 6 having a different function is provided instead of the information providing device 2 of Fig. 1, and an information providing device 7 connected directly to the surface or directly is connected to the credit inquiry device 6. It is connected to the host computer 3 by a surface line. The credit inquiry device 6 is provided with a control unit 60 and a switch SW 61, and the switch SW is controlled by the control unit and switches whether or not the user terminal 1 is connected to the information providing device 7. Mechanism. A function similar to that of the switch SW is that the information providing device 7 is called by the public line or extension (when the information providing device 7 is incorporated in the PBX), and when it responds, it is connected to the user terminal 1 surface line. It can be realized by a mechanism that performs The other reference numerals 1, 3, 4, and 5 in FIG. 2 are the same as those in FIG. 1 and are not described. In addition, the credit inquiry device 6 and the host computer 3 are connected by surface lines in the same manner as the information providing device 2 and the host computer shown in Fig. 1 above, and the host computer 3 is located in various places. It is connected to a plurality of distributed credit inquiry devices 6 (including the information providing device 7) by plane lines, and sends and receives data to and from each credit inquiry device 6. The second basic configuration of the present invention shown in FIG. 2 will be described. When an incoming call arrives at the credit inquiry device 6 from the user terminal 1, guidance is sent as in the case of Fig. 1 above, and the credit card number and password (such as the expiration date of the password) are sent. . At this time, the switch SW of the credit inquiry device 6 is switched to the host computer 3 by the internal control unit, and the input number is transferred to the host computer 3. At this time, music or commercials are sent to the user, or the sound is muted.

After that, as in the case of Fig. 1 above, the host computer 3 determines the received conditions (such as confirmation of the identity, identification of the information fee, and the maximum amount of information charges). The user accesses the credit card database 5 directly or via the cash center 4 to perform a credit inquiry and other checks, while confirming the identity of the user (the password using the personal identification number). It is also possible to send each number to the card company database 5 without having to use the computer 3 for the usage conditions such as the charge limit and the information limit charge tick.

If the credit can be provided, or the identity can be confirmed and the credit can be provided, that is, if there is no abnormality, a signal to that effect is sent to the host computer 3. To the credit inquiry device 6 via. When the credit inquiry device 6 receives this, the control unit connects the switch SW to the information providing device 7, or the control unit calls the information providing device 7 through a public line or extension, and when the information providing device responds. Connect the surface line on the user terminal 1 and the surface line on the information providing device 7 side. The information providing device 7 sends out menu guidance and, when receiving selection information from the user, sends out the selected information (program). In the case of a single program, information is sent immediately without menu guidance.

Next, FIG. 3 is a third basic configuration diagram according to the present invention, in which an automatic order receiving system 8 connected from the user terminal 1 via a public network is provided, and a database for storing various data such as order details. 9 Using this automatic order receiving system 8, orders for mail-order sales and credit inquiries to key companies are made. The other reference numerals 1, 3, 4, and 5 in FIG. 3 are the same devices as those of the same reference numerals in FIG. 1, and will not be described. In addition, the automatic order receiving system 8 and the host computer are connected by surface lines or directly in the same way as the configurations in Figs. 1 and 2 above.

The operation of the third basic configuration shown in FIG. 3 will be described. When the user calls the automatic ordering system to place an order via mail order from the user 1, the call is received by the automatic ordering system 8. At this time, the automatic order receiving system 8 sends out guidance in the same way as the information providing device in Fig. 1 above. If this system is a membership system and the member number, address, name, etc. are registered in advance, requesting the member number will cause the user terminal 1 to enter the member number. A check is made using the membership number data in database 9, and if the check result is good, a message (guidance) is sent to the subscriber, and the card number and password together with the code and quantity of the product, etc. A number or the like is transmitted from the subscriber.

If this system is not a membership system, requesting the user's address, name, etc., instead of the member number, will prompt the user to enter the address, name, and voice. Etc. are sent and the sound is recorded. After that, when input requests for codes and quantities for commodities are sent, they are sent from the user terminal 1.

Thereafter, in the case of the membership system or the membership system, when the information about the product is received by the automatic order receiving system 8, the information and the information such as the price of the product are sent to the host computer 3. When receiving this information, the host computer 3 checks the limit and the number. If there is no abnormality, the host computer 3 sends the card number, password, and the like via the card 4 or directly to the card. Send to Company Database 5 for credit inquiry. Each card company database 5 obtains the result of a credit inquiry on whether or not credit card mail-order sales are possible and sends it to the host computer 3.

Upon receiving this, the host computer 3 sends the result to the automatic order receiving system 8, and the automatic order receiving system 8 sends a credit inquiry result to the user terminal 1 in response to the message. . If the result of the credit inquiry is not abnormal (the credit card can be sold), the automatic ordering system 8 records the sales data (including each number) and sends it to the computer 3, where the data is saved and saved. The credit amount is sent to the card company database 5 along with each number (member number, card number, etc.) and recorded. This sales data is sent to the product shipping center and used for shipping.

Next, FIG. 4 is a flow chart of the control operation of the first embodiment. This control operation is executed by the first basic configuration of the present invention shown in FIG. In FIG. 4, reference numerals 1 to 5 denote devices corresponding to the reference numerals in FIG. 1, respectively. In this figure, a user terminal 1, an information providing device 2, a host contributor 3, a caf center 4 and a car It shows the communication between the company database 5 and the flow chart of the control program of each computer. Explaining according to the figure, a user can make a call (1a in Fig. 4) from any user terminal such as a general telephone, a public telephone, a car telephone, a mobile telephone, a facsimile, and a bus communication, and make a public call. Accessed via line. When a telephone call is received from the user (2a in Fig. 4), an information message is sent out (2b), and then the guidance of the card number input request is sent to the information providing device 2 by voice or fax. The data is sent out by squeeze etc. (2c). According to this guidance, the user's terminal 1 inputs his / her credit card number using voice, DTMF (Dual Tone Multi-frequency) signal generated by dial key operation, etc. (1b in Figure 4). At this time, if the user terminal 1 is a personal computer, the number can be converted into a data signal by a modem, transmitted over the surface line and transmitted to the information providing device 2, and further transmitted to the user. If the terminal 1 is provided with a card reader, the signal read from the card reader can be converted into a data signal and transmitted.

This number is received and identified by a voice recognition device (not shown) (for voice input) or a dial signal receiving device. In the case of a data signal, it is identified by the receiving device via the modem. When the credit card number is input, the computer of the information providing device 2 determines whether or not the card number has a predetermined number of digits and the CZD chip. CZD is included in the credit card number. This is a check digit, which is an international card (1

In the case of <6 digits>, the 16th digit can be calculated from a 1 to 15 digit number by a specific calculation method and checked.

If the calculation result matches the check digit in the C / D check, then guidance for a password input request is sent out (2f), and the user terminal 1 sends the user's password to the user. When the password is entered (1c), it is determined whether or not the password has a predetermined number of digits (2g). If the password has the predetermined number of digits, the card number and the password are input. The signal is sent to the host computer 3 (2h), and at the same time, the service information menu guidance is sent to the user terminal 1 for a predetermined time (2i).

On the other hand, when receiving the signal from the information providing device 2 (3a in FIG. 4), the host computer 3 reads out the user's card information from the memory (incorporated in the host computer 3). , The user can use the information fee in a month, for example, a check to see if it exceeds 100,000 yen (3b in Fig. 4) and a password to confirm whether the card number belongs to the user. Confirm using the number (Same as 3c). At this time, if an error is found, an error code is sent to the information providing device 2 (3d). If there is no abnormality, the data of the user is accessed to the card company database 5 via the cash center 14 (3e), and the credit inquiry and other checks are performed.

At the cash center 4, the card company database 5 corresponding to each credit card company is accessed and a credit inquiry is made (4a). As a result of this credit inquiry, there was no abnormality (it was determined that payment by credit was possible), and there was an abnormality (credit In any case, the result of the credit inquiry is sent, and if the result is received by the host computer 3 (3f), the host computer 3 interprets the result. Record (3g) and transfer to Information Provision Equipment 2 (3h).

The card number and password are used to verify the identity (see Fig. 4).

3c) can be performed using a power company database 5 instead of using the host computer 3.

When the information providing device 2 receives the result of the credit inquiry, the information providing device 2 determines whether or not the result can be used for credit (OK) or not (2j). If it is available, the service information selected by the user by inputting the service information selection (Id in Fig. 4) while sending the menu guidance is started (21). If the query result is not possible, an error message is sent (2k).

In this case, the service information to be provided includes English conversation, recruitment, bridal relations, legal, tax, business consultation, as well as mail order sales, ticket sales, hotel reservations, and other service information. In addition, voice, facsimile, personal computer communication, etc. can be used for the provision method. For example, in the case of legal consultation, if there is a request from the user, a registered professional It can also be automatically transferred to the house via a telephone line to provide interactive consultation.

After that, when the service information provision ends (2 m above), the usage data used for credit card settlement is recorded in the host computer 3 and the card company database 5 (3 i above). .

The limit of the information fee that can be used by the user can be set in various units other than the monthly unit, for example, the limit of 20,000 yen per page. The amount may be set, and if the limit is exceeded, the usage may be suspended.

In the first embodiment, the user's data is transmitted by accessing the card company database 5 via the cache center 4, but is transmitted directly without passing through the cache center 4. You may access the force company database 5.

Furthermore, the information provision device 2 and the host convenience 3 can be integrated. It is also possible to make a change so that the information providing device 2 communicates directly with the card company, and the identity verification and credit inquiry are performed using the card company database 5.

5 and 6 are control operation flow diagrams (part 1) and (part 2) of the second embodiment of the present invention. The second embodiment corresponds to the second basic configuration of the present invention shown in FIG.

In this case, when the user terminal 1 first dials the number of the credit inquiry device 6 and makes a call (1a in FIG. 5), the call is received by the credit inquiry device 6 (6a in FIG. 5). The credit inquiry device 6 sends an intro message (same as the guidance) (6b) and sends a card number input request message (same as 2c in Fig. 4) (same as 2c in Fig. 4). 6c). When the card number is entered at the user terminal 1 in response (1b), the card number is sent by the DTMF signal as in FIG.

The number is checked for this number in the same manner as in Fig. 4 (6d, 6e), and if there is no error, a message for requesting the input of a password is sent out (6f). On the other hand, when the password E is input from the user terminal 1 (the same lc), a check of the number of digits is performed. (6 g in the same case), if the number is 4 digits, it is determined to be normal, and the card number and dark K number are transferred to the host computer 3 (6 h in the same case). These numbers are received by the host computer 3 (3a in Fig. 5).

When the credit inquiry device 6 transfers the force number to the host computer 3, the credit inquiry device 6 sends music, CM, etc. to the user terminal 1 to make it available to the user (6i in Fig. 6).

On the other hand, when receiving the transferred card number and the like, the host computer 3 checks the user's credit limit stored in the memory (3b in Fig. 6) and the card number. After checking the information (identification) (3c), and determining that there is an abnormality, such as exceeding the limit or not being the identity, an error code is sent (3d). If it is determined that there is no abnormality, the card company database 5 is accessed via the ca- sif center 14, and the card number and the certification number are transferred (3e). , Take a credit inquiry (Id. 4a).

When the inquiry result is received (3f in FIG. 6), the result is recorded (3g in FIG. 6) and transferred to the credit inquiry device 6 (3h in FIG. 6). The credit inquiry device 6 determines the result of the inquiry (6j), and if not available, sends an error message to the user (6k). If it is determined that the terminal can be used, the information providing device 7 is captured (called by the 囬 line), and the user terminal 1 is switched to connect the surface line of the information providing device 7 (the same as that of the terminal 61). Monitor the communication status of the surface line (start and end of service information) (6 m in Fig. 6).

When the information providing device 7 is connected to the user terminal 1, it sends out a menu guidance (7b), and the service information from the user terminal 1 is sent from the user terminal 1. When a selection (1d) is input, the corresponding service information is provided (7c). When the provision of the service information is completed (7d), the credit inquiry device 6 for monitoring the line disconnects each line of the user terminal 1 and the information providing device 7 (6η), and outputs the service information. The usage data, including the time at which the service was provided and the user's card number, etc., are transmitted to the host computer 3 and the card company database 5 (60), and are respectively recorded (3j). .

In the information providing device 7 of the second embodiment, similarly to the information providing device of the first embodiment, the service information to be provided includes various kinds of service information such as English conversation, recruiting, and the like. In addition to using fax and personal computer communications, there are also cases where bidirectional consultation is performed by automatically transferring information to a pre-registered specialist via telephone line 13.

In the configuration of the second embodiment as well, the connection may be made from the host computer 3 to the card company database 5 without passing through the cache center 4. In addition, the identity verification is performed by the host computer 3, but this can be changed to be performed by the force company database 5. In this case, it can be handled by providing a function (surface line and communication control mechanism) for performing communication between the credit inquiry device 6 and the card company.

7 and 8 are control operation flow diagrams (part 1) and (part 2) of Embodiment 3 of the present invention. The third embodiment corresponds to the third basic configuration of the present invention shown in FIG. 3 and is a control operation flow for realizing a service information provision system for mail-order sales.

In Fig. 7, mail-order sales using telephone lines from user terminal 1 When the number of the automatic order receiving system 8 is dialed and transmitted to receive the sales service (1a in Fig. 7), the call is received by the automatic order receiving system 8 (8a in Fig. 7). The automatic order receiving system 8 sends out an introductory message (8b), and in the case of a membership system, requests the member number (member number of Tsushin Sales Co., Ltd.) (8c). , The user number is entered from the user terminal 1 (1b).

When the automatic order receiving system 8 receives this, it searches the database storing the member information (8d), and checks whether the corresponding member exists or not. In this case, the database may not be installed in the automatic order receiving system 8, but may be installed in the computer of the mail order company, or may be installed in the host computer 3, but may be installed in another device. By making an inquiry via the surface line, a check can be made as to whether or not a member is a member. If there is no abnormality in the member's check, a request for input of a product code or the like is made by a message (8e).

If the system is not a membership system, instead of requesting a membership number (8c in Fig. 7), the user is required to input the address, name, etc., and the voice input from the user is recorded on a recording device (not shown). Requests for input of codes etc. are made by messages.

On the other hand, if you enter the product code, quantity, color code, size code, etc. of the product you want to purchase by mail order from the user terminal 1 (as in 1c), those data are sent to the automatic ordering system. At this time, the automatic ordering system 8 holds the unit price data corresponding to the product code in advance, and stores the order based on the ordered product code, quantity, size, etc. Was done The value of the product (sales amount) is immediately obtained and stored in memory.

Subsequently, a message for requesting the credit card number input is sent from the automatic order receiving system 8 (8f). O When the card number is input from the user terminal 1 in response to the message (8f). I d), the number of digits is checked (8 g, 8 h), and if there is no abnormality, a message for requesting the input of a password is sent out (8 i). When a password is entered from terminal 1 (1e), the automatic ordering system 8 checks the number of digits (8j), and if the check result is good, then moves to the flow of FIG. Then, the card number, password, sales amount, etc. are sent to the host computer 3 (8k in Fig. 8). Thereafter, the automatic order receiving system 8 sends music, CM, etc. to the user terminal 1 (81).

When receiving this (3a in FIG. 8), the host computer 3 receives a limit ticket (3b) based on the card number and the password, and a card number chip for identification. (3c), and if there are no abnormalities, sales including the user's card number, personal identification number, and other information on the ordered product (product code, quantity, color, size, sales amount, etc.) The request message is transmitted to the card company database 5 via the caf center 14 (3e).

Upon receiving this, the cash center 4 accesses each card company database 5 to make a credit inquiry (4a), and when the credit inquiry result is received by the host computer 3 (see 4a). 3f), record the result (3g) and transfer it to the automatic order receiving system 8 (3h). In the above explanation, in the case of non-members (new users who are not registered, etc.), the recorded contents such as the address and name by voice from the user are entered by the person in charge and registered in the database. It can be used as a source material.

When the automatic order receiving system 8 receives the inquiry result, it stops sending music and the like, and sends a message of the credit inquiry result to the user terminal 1 (8 m in Fig. 8). In this case, if the result is good (payment by credit is possible), a message to sell by credit is sent, and the inquiry result is bad (payment by credit is not possible). In this case, a message is sent to the effect that credit cannot be sold.

After that, the usage data (all data that is sent to mail order) is recorded and transmitted to the host computer 3 (8n). The host computer 3 records the data in its own memory (3i) and transmits the data to the card company via the cache center 4.

The usage data recorded in the automatic order receiving system 8 or the host computer 3 is transmitted to the department or company that sends out the goods to the ordering party via a line, so that the data from the ordering to the shipping of the goods can be obtained. Time can be reduced.

In the configurations shown in Figs. 7 and 8, the automatic order receiving system 8 accesses the force company database 5 via the host computer 3 and the ca- sif center 14; And the host computer 3 can be configured as one device. In addition, an automatic order receiving system without the use of the 8 may be configured to communicate directly with the card company via a surface line.

[Industrial applicability]

According to the service providing method using the credit card using the telephone line according to the present invention, the credit card holder can be provided by the first and second configurations. , General telephone, public telephone, car phone, mobile phone (mobile phone), facsimile, personal computer, etc., access from any telephone, English conversation, recruitment, bridal relations, law, tax, management It is suitable for receiving desired services such as consultation at any time and place.

In addition, the charges (charges) for this service can be settled with a credit card, and at that time, unauthorized use or overuse can be prevented by the chip. Sound use of information can be achieved.

In the first configuration, when the user and the card are confirmed using the time of the menu guidance of the service information sent to the user, the user is placed in a standby state. It can be used to provide service information smoothly and can contribute to improved services.

In the second configuration, by using a credit inquiry device, an existing information providing device that does not have a communication program with the host computer (providing information by connecting to a public line, etc.). Equipment that performs).

In the first, second and third configurations of the present invention, the information providing device , Credit inquiry equipment, automatic ordering system and the host computer are communicated via a dedicated surface line, packet communication network, etc., so that information providing equipment, credit inquiry equipment, and automatic ordering system are distributed in various places. This makes it easy to construct a system that can provide services efficiently in a wide area (nationwide).

Furthermore, by separating the information providing device from the credit inquiry device, the degree of freedom in providing necessary service information can be increased. In addition, by using the credit inquiry device according to the second configuration, it is possible to use an existing information providing device (a device that provides information by connecting to a public area line, etc.) that does not have a communication program with the host computer. Becomes possible.

Next, according to the third configuration, the credit card holder can place an order for mail-order sales via the telephone line, and the payment can be settled by the credit card, so that the user can save time and effort. Can be greatly reduced. Furthermore, as an ancillary effect, the period from order to product acquisition can be shortened.

Claims

The scope of the claims

1. In the service provision method by credit using the telephone plane line,

The information providing device connected to the telephone line sends guidance when it detects an incoming call from the user terminal, and manages the information usage fee when it receives the card number and password from the user terminal. Each number is forwarded to the

The host computer checks the usage conditions including the identity verification using the information of the user stored in the memory for each transferred number, and if the conditions are satisfied, records the card number and the like. Transfer to the company for credit inquiry and other confirmation. When the credit inquiry result is received from the card company, it is transmitted to the information providing device.

Upon receiving the credit inquiry result, the information providing device notifies the user terminal by a message and, when there is no abnormality in the credit inquiry result, starts providing service information to the user terminal, and provides the service information. A credit-based service provision method that uses telephone lines to transmit usage data to the host computer and card company after the end of the service.

2. In claim 1,

Upon receiving the card number and the password, the information providing device sends a menu guidance of information that can be provided to the user terminal.

Upon receiving an information selection signal from the user terminal, the telephone waits for the result of the credit inquiry, and starts the provision of the selected service information if the result of the credit inquiry is normal. Area line A service provision method based on credits using the Internet.

3. In claim 1,

The host computer transfers each of the numbers to the card company without performing the identification using the password and the password received from the information providing device, and performs the credit inquiry including the identification. A method of providing services by credit to user terminals using telephone line lines, which is performed by a mobile phone company.

4. In claim 1,

The host computer transmits each number to the power company without performing personal identification based on the card number and personal identification number received from the information providing device, and performs personal identification and credit inquiry. Upon receiving an inquiry result regarding identity verification and credit inquiry from the power company, providing service information by credit using a telephone line characterized by transmitting the result to the information providing device. method.

5. In the service provision method by credit using the telephone plane line,

The credit inquiry device connected to the telephone line connects to the switch that connects the user terminal to the information providing device that provides service information by switching, or transfers the user terminal to the information providing device via the surface line. With the following configuration

When an incoming call from the user terminal to the credit inquiry device is detected, guidance is sent out, and when a card number and password are received from the user terminal, each number is transferred to the host computer that manages information usage fees. , The host computer checks the usage conditions for each transferred number, and if the conditions are not met, transfers the card number, etc. to the company to confirm the signal inquiry, etc., and confirms the credit inquiry. When the result is received, it is sent to the information providing device,

If there is no abnormality in the credit inquiry result, the information providing device switches or transfers the user terminal to the information providing device, and starts providing service information to the user terminal.

A credit-based service provision method that uses the telephone line to transmit usage data to the host computer and a power company after the provision of service information is completed.

6. In claim 5,

The information providing device transmits menu guidance after being connected to the user terminal, and starts providing the corresponding service information when receiving an information selection signal from the user terminal. A credit-based service provision method using telephone lines.

7. In the mail-order sales service provision method by credit using the telephone line,

When the automatic order receiving system connected to the telephone line detects an incoming call from the user terminal, it sends out guidance to request input of the number, card number, and PIN for the product to be ordered.

When each of the above numbers is received, the number of digits of the number is checked, and if normal, each number is transferred to the host computer.

The host computer performs a check including identity verification for each transferred number, and if there is no abnormality, transfers the number to the card company to perform a credit inquiry or other confirmation. When the result is received, it is transmitted to the automatic order receiving system,

Upon receiving the result of the credit inquiry, the automatic order receiving system sends a corresponding message to the user terminal, records the usage data, and sends it to the host computer and the card company. This is a credit-based service provision method using telephone lines.

8. In claim 7,

When the automatic order receiving system detects an incoming call from the user terminal, the automatic order receiving system sends a guidance to request an input of the member number, and upon receiving the member number from the user terminal, determines whether or not registration has been performed. In the case of a registered member number, a credit is required using a telephone line, which requires the user to enter the number, card number, and personal identification number of the product to be ordered. Service delivery method.