JPH07121621A - Credit sales system and credit card issuing method using system concerned - Google Patents

Abstract

PURPOSE:To obtain the method and the system by which necessary information obtained quickly and a credit card can be issued immediately, when a customer desires to purchase a commodity on credit, the customer is not kept waiting, and the unitary management of credit management information and sales information of the customer also can be executed. CONSTITUTION:This credit sales system is an information processing system which is provided with a means connected to an information processing system for managing chiefly information related to customer's commodity purchase on credit, and manages chiefly information related to the customer's commodity purchase. This system is provided with a credit card management file 2 corresponding to a credit card 7 prepared in advance in the information processing system for managing the information related to the commodity purchase of the customer concerned. Further a management information store area of the credit card 7 for registering the information as to whether credit sales are appropriate or not, and an area for storing customer's specific information based on the information from the information processing system related to the customer's commodity purchase on credit chiefly are provided, in the credit card management file 2.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a system for managing the sale of products, services, etc. (hereinafter collectively referred to as products etc.), and in particular, the sale of credits for products etc. at stores directly handling the products etc. The present invention relates to a method and a system capable of easily and quickly handling.

[0002]

2. Description of the Related Art Many systems are used to pay by using a credit card when purchasing a product or receiving a service. The purchase method using a credit card is a convenient system for users because it does not require carrying cash with them and can select any payment method such as installment payment if desired. However, when issuing a card to a customer for credit sales for the first time, after the customer's application, it takes days to conduct a credit check, and the result of the credit check indicates that the credit can be sold. In such cases, we use a method such as sending a card with a specific identification number to the customer by mail, so it is not possible to immediately issue a credit card in response to the customer's application for credit sale and sell the product. It was impossible.

On the other hand, today, a collection of stores, department stores,
At chain stores, etc., it has been attempted to introduce a unified sales management system to improve customer service and fix customers, and to sell credit even with such limited systems. However, when trying to sell products by credit, a sophisticated management system is required, such as credit survey for purchasers and credit management necessary for selling credits to the purchasers. A large information processing system, specialized know-how, and a large amount of information must be accumulated. Therefore, in order to enable credit sales for each small-scale organization as described above, the credit system is conventionally contracted by connecting the system owned by the small-scale organization with the credit-special company by a line or the like. There were methods such as entrusting to a specialized company to process credit sales by using its own card, or partnering with a specialized credit company to have the credit company perform all credit operations on its behalf.

[0004]

In the above-described credit sales system, since the credit sales information is processed depending on other systems, only a small company card system such as an aggregate of shops can be used. There is a problem that credit sales processing cannot be performed. In addition, this method requires a considerable amount of time for transmitting information using a communication line, searching for a credit sales management system, and the like. For example, even if a customer wants to sell credit, when issuing a credit card, the credit system of a specialized company is first inquired about whether or not to sell credit, and the issuance of the credit is entrusted.
Immediate issuance of the card is not possible, and even after the card is issued, whether the card is invalid in the credit system of the specialized company each time it is sold, whether the sales amount exceeds the credit limit, etc. It takes a long time to process credit sales such as inquiring about, and it is necessary to make the customer wait for a long time. Since the customer is kept waiting for a long time for credit sales and the customer is given a suspicion as to whether or not he / she suspects the customer, such a survey is often omitted for the purchase amount less than a certain limit. Therefore, if you carry out shopping below such a limit at multiple places, or if you omit the survey at the site's discretion even for such shopping over a certain amount of money, it will exceed the customer's payment ability. There is also a problem that customers will be unable to pay, or that the retailers will not be able to collect debts.

Further, since the credit information and the customer sales management information are managed by different systems, there is a problem that they cannot be integrated and managed centrally. Credit information is managed by a large-scale system of a specialized company, and has a management system that is different from the in-house card system unit such as store aggregates.Customer sales management information is also for each store aggregate, etc. Because it is not managed
Even if the customer's system side cannot try to aggregate and use the customer information related to the credit sales, and even if the customer's card system side integrates and manages the credit information and the customer's sales management information, such centralized management is possible. I can't. In such a case, even if the customer is a member of a credit system of a particular retail store group, but if they want to purchase products etc. at a store of a different retail store group, the credit management system will differ, so It is necessary to go through a new enrollment procedure and credit check on the credit sales of.

The present invention solves such a conventional problem, and when a customer desires to purchase a product by credit, he / she can quickly obtain necessary information and immediately issue a credit card. Therefore, it is an object of the present invention to provide a method and system that can centrally manage the credit management information and the sales information of the customer without keeping the customer waiting. Further, the present invention makes it possible to easily know the credit limit to a customer at the spot where credit is sold, prevent the customer from performing credit sales beyond the ability to pay, and allow the customer to pay at multiple locations. It also provides a credit system that ensures that you do not incur multiple debts beyond.

[0007]

Means for solving the above problems according to the present invention cooperates with an information processing system which mainly manages information related to product purchase by credit of a customer, as described in the claims. A credit card management file corresponding to a card prepared in advance in an information processing system for managing information related to product purchase of a customer In the credit card management file, a credit card management information storage area for registering credit sale approval / disapproval judgment information based on information from an information processing system mainly related to product purchase by customer's credit, and customer identification A credit sales system characterized by having an area for storing information. When the information in the management information storage area of the credit card is registered as credit sales available, the customer specific information is registered in the area for storing the customer specific information, and the credit card corresponding to the registered information is registered. A method for issuing a credit card for issuing the credit card of the number to a customer, and a means for calculating the customer's credit limit and a means for storing the information in an information processing system that mainly manages information related to the customer's product purchase. A credit sales system provided with a means for reading and writing the information of the provided credit card and a means for storing the credit use limit amount in a card prepared in advance, and also as an information processing system mainly for managing information related to customer's product purchase. A means for calculating the credit limit of the customer and a means for storing the credit limit in the provided terminal device. And means for reading and writing the information of the installed card, a credit sales system provided with a means for storing the credit credit limit to the previously prepared card.

[0008]

[Function] The identification information of the card is recorded on a plurality of cards prepared in advance, and the credit card management file corresponding to the card provided in the information processing system that mainly manages the information related to the customer's product purchase is stored in the card. The identification information of the plurality of cards is registered in advance. When a customer purchases an item for credit purchase, the information processing system that manages the information related to the customer's purchase of credit item is inquired about the customer's credit information, and based on this information, the credit sales approval / disapproval information is displayed. When the information is registered in the credit card management information storage area and the information is acceptable, the customer information is registered in the area for storing the customer specific information corresponding to the credit card identification information, or the identification is directly performed without registration. Issue a credit card that records information to sell credit.

A card prepared in advance is provided with a means for storing the credit use limit amount, and a means for calculating the customer's credit use limit amount and the card information are stored in an information processing system which mainly manages information related to the customer's product purchase. In the credit sales system according to claim 1, which is provided with a means for reading and writing, based on the past credit use information of the customer of the card and the newly input credit use information of the day, the customer's new credit And a credit usage limit amount of the card is updated according to the calculated credit usage limit amount. The credit limit is stored in the card itself, and the limit can be checked at the point of sale of credits, so it is possible to prevent accidents such as debt overruns and multiple debts.

Means for storing the credit usage limit in a card prepared in advance, and means for calculating the credit usage limit for the customer in a terminal device provided in an information processing system that mainly manages information related to the customer's purchase of goods In a credit sales system provided with a means for reading and writing card information, when a customer purchases a product or the like with credit, a new credit information of the customer is input based on the credit use information of the day input from the terminal device. While calculating the credit usage limit, the terminal device updates the credit usage limit of the credit card according to the calculated credit usage limit.

[0011]

1 to 3 are views showing an embodiment for realizing the method and system of the present invention, FIG. 1 is a block diagram of the entire system, FIG. 2 is a view showing a processing flow, and FIG. Is an explanatory diagram of the contents of a file. Reference numeral 1 is a main processing device that manages product sales, 2 is a file that stores information related to customers, 3 is a terminal device, 4 is a keyboard of the terminal device, 5 is a display device,
6 is a reader / writer connected to the terminal device, 7 is a card having a storage unit, 8 is a card storage area, 9 is a card identification number registration area, 10 is a credit usage limit registration area, and 21 is credit information. Is a main processing device for managing the credit card, 22 is a file for storing credit information, 23 is a keyboard, and 26 is a display device. The operation of this embodiment will be described below with reference to FIG.

In this embodiment, a card in which an identification number (IDa) peculiar to the system is recorded in advance is prepared, and the credit master shown in FIG. 3 provided in the credit information management area of the file 2 corresponds to the identification number of the card. Register the ID number to be used. If the customer wants to purchase the product by credit and is not registered as a member of the store, the person in charge obtains the identification information such as name, address, sex, date of birth, etc. from the customer, and the identification information Then, the information regarding the customer's product purchase request is input to the information processing apparatus 1, and at the same time, the information processing apparatus 21 is inquired about the credit information of the customer. The inquiry is preferably made online or by personal computer communication, but other communication means such as a facsimile machine may be used. Information processing device 21
Is a large-scale system such as a credit specialist company, and checks the creditworthiness of the customer by referring to management information or the like and returns the result to the information processing apparatus 1 by the communication means. If there is no problem with the creditworthiness of the customer, sales are allowed,
The information processing apparatus 1 allocates the identification number (IDa 001) in the information processing apparatus 1 to the customer, registers the corresponding number (N123) in the identification number (IDb) registration field in the information processing apparatus 21 of the credit master, and the credit master The flag 2 (registered signature) is registered in the registration signature field, and the identification information such as the customer's name (Otataro) and the credit amount (400,000) are registered in the corresponding field of the credit master, and the credit A display indicating that the sale is permitted is displayed on the display device 6. The sales person hands the credit card 001 to the customer based on the information and sells the credit. The sales information is input again from the keyboard 4, the creditable amount is subtracted according to the sales amount, the relevant column of the credit master is updated, and the reader / writer 5 updates the creditable amount of the card. .

In the case of a system in which the notification from the information processing device 21 regarding the credit sales approval / disapproval information is delayed in time, the information processing device 1 inputs the information of the result of the credit check by the operator, In the credit master of file 2, the identification number (ID
a Temporary identification number (IDb NNNN) and the flag 1 (temporary registration) in the registration sign field are registered in the area corresponding to a 002), and necessary items such as credit amount and creditable amount are set. Temporary registration data is created and stored, and card 002 is issued as a credit card to immediately deal with the customer's credit purchase. When registration information such as the official IDb of the customer is sent from the information processing apparatus 21 later, the information processing apparatus 1 updates all the temporary registration information with the received information, and the registration sign field is flag 2 (registered). And

After the registration, the customer can immediately receive the credit purchasing service by presenting the card when applying for the credit purchasing. When the customer presents the card and offers the sales person in the store to purchase the product by credit, the sales person inserts the card 7 into the reader / writer 6 of the terminal device 3. The terminal device reads the customer identification number and the credit available amount from the card 7, and displays the credit available amount on the display device 5. The sales person refuses the sale when the credit purchase application amount this time exceeds the available amount, and when the applied amount is within the available amount, the sales person displays the sales amount by credit, the date and time, and other information according to the credit sale. Input from the keyboard 4 and send the information to the main processing unit 1. For inputting the information, a POS system or the like in place of the reference numerals 4, 5, and 6 may be used.

The main processing unit 1 retrieves the information of the customer in the file 2, and based on the past credit usage information of the customer and the credit purchase information sent from the terminal device on the day, a new creditable amount. Is calculated and the value is sent to the terminal device 3. In this example, the creditable amount is as shown in FIG.
It is calculated by subtracting the sum of the balance of accounts receivable registered in the credit master, the credit total and the unpaid money from the credit amount provided. The credit amount in this example is the upper limit value (credit limit) of the credit amount set for each customer at the retailer side, and the credit total is the amount before the billing process that occurred by the closing date of the month including the purchase information. Since the main processing unit 1 manages these pieces of information, the information processing unit 21 can process the information without making any inquiries, which enables a quick response. When there is accident information such as invalidity for the card, the information is given priority and sent.

The terminal device 3 which has received the notification from the main processing device 1.
Updates the value of the credit available amount column 10 of the card 7 to the value sent from the main processing device 1. When there is no accident information such as the card being invalid, the person in charge of sale hands this card 7 to the customer together with the product and ends the sales procedure.

When the purchase is completed, a new creditable amount obtained by subtracting the purchase amount from the creditable amount of the credit master is registered in the credit master. At this time, the information processing device 1 can process the purchase by the customer's credit only in the own device without referring to the information processing device 21 one by one, and therefore can respond very quickly to the terminal device 3. Never wait for a customer.

Since the contents of the file 2 are synchronized with the contents of the file 22 of the information processing device 21, the information processing device 2
The information is periodically updated with the information sent from the communication line 1 through the communication line, the information of the carried MT, and the like. File 2 for example
When there is information about withdrawal, overdue, or other accidents regarding the customer in the content of 2, the content of the file 2 is updated by the periodic update, so it is possible to stop the credit sales to the customer at the terminal 3. Becomes

Since the information processed by the information processing apparatus 1 is information about a limited customer of the system and the credit information is also limited to the customer, the information processing apparatus 21 processes a large amount of information on a nationwide scale. Unlike processing, processing can be performed with a relatively small-scale processing device.

In the above example, the update value of the credit use limit amount is calculated in the main processing unit 1, but the processing capacity is given to the terminal unit 3 side and the calculation is performed by the terminal unit 3 and the calculation is performed. The value of the credit use limit column 10 of the card 7 may be immediately updated with the value. At this time, the terminal device 3 does not refer to the main processing device 1 for each purchase of credit by the customer,
Since the processing can be performed only within the own device, a very quick response is possible and the customer is not kept waiting. In this case the main device 1
In order to synchronize with the data of the file on the side, the update information is sent together from the terminal 3 to the main processing unit 1 later.

In this way, the credit available amount of the card is checked each time the product is purchased by credit, and the value is updated each time the product is sold, so that the credit card and the customer's credit can be quickly evaluated at the point of sale. Can be confirmed, and it is possible to reliably prevent sales beyond the credit limit.

[0022]

As described above, according to the present invention, credit sales management can be performed by a relatively small-scale product sales management system. Not only the information in a narrow range of credits but also the credit information of customers obtained from a wide range covered by a large-scale system can be used, enabling immediate issuance of credit cards and credit sales, and highly reliable credit. It is possible to obtain information, etc., and prevent accidents such as burning of bonds. In addition, when registering the credit available amount in a credit card, the credit usage limit of the card is checked each time a product is purchased by credit, and the value is updated each time the product is sold. The creditworthiness of the credit card and the customer can be confirmed promptly on site, and it is possible to reliably prevent sales beyond the credit limit, and it is possible to prevent the user from exceeding the payment capacity and incurring debt. Also, what updates the credit available amount on the terminal side without requesting the main processing device,
Since credit can be sold only at the terminal, it is possible to quickly respond to the customer, and there is an advantage that the service can be continued only at the terminal side even when the main processing device breaks down.

[Brief description of drawings]

FIG. 1 is a diagram showing a system according to an embodiment of the present invention.

FIG. 2 is a diagram illustrating an example of a processing procedure of the present invention.

FIG. 3 is a diagram showing an example of contents of a file used in the present invention.

[Explanation of symbols]

 1, main processor 2, file 3, terminal device 4, keyboard 5, display device 6, reader / writer 7, card 8, card storage area 11, line interface 12, line interface 21, information processing device 22, file 23, keyboard 26, display device

 ─────────────────────────────────────────────────── ─── Continuation of front page (72) Inventor Toshio Kamiya 3-33-5 Hongo, Bunkyo-ku, Tokyo Nihon Shinpan Co., Ltd. (72) Shinichi Kazama 3-33-5 Hongo, Bunkyo-ku, Tokyo Nihon Shinpan Co., Ltd. (72) Inventor Hirokazu Sato 3 33-5 Hongo, Bunkyo-ku, Tokyo Nihon Shinpan Co., Ltd. (72) Inventor Tsugu Ota 3 33-5 Hongo, Bunkyo-ku, Tokyo Nihon Shinpan Co., Ltd. (72) Inventor Kimitaka Uchida 3-33-5 Hongo, Bunkyo-ku, Tokyo Nihon Shinpan Co., Ltd. (72) Inventor Mutsumi Nagano 3-33-5 Hongo, Bunkyo-ku, Tokyo Nihon Shinpan Co., Ltd. (72) Invention Person Junichi Murozumi 3-3-5 Hongo, Bunkyo-ku, Tokyo Nihon Shinpan Co., Ltd. (72) Inventor Kiichi Kato 3-33-5 Hongo, Bunkyo-ku, Tokyo Nihon Shinpan Co., Ltd.

Claims (4)

[Claims] 1. An information processing system mainly for managing information relating to customer product purchase, comprising means for cooperating with an information processing system mainly managing information relating to customer product purchase by credit. In the system,
A credit card management file corresponding to the card prepared in advance is provided, and the credit card management file includes
Based on information from an information processing system that manages information related to product purchases by credit, a credit card management information storage area for registering credit sale approval / disapproval determination information and an area for storing customer specific information are provided. A credit sales system featuring. 2. An information processing system that mainly manages information related to product purchases by customers and an information processing system that mainly manages information related to product purchases by customers' credits are linked together, and information mainly related to product purchases by customers is linked. The credit card management file corresponding to the card prepared in advance is provided in the information processing system for managing the credit card, and the credit card management file is mainly used for credit sales based on the information from the information processing system related to the purchase of products by the customer's credit. A credit card management information storage area for registering the approval / disapproval determination information and an area for storing customer specific information are provided, and when the information in the credit card management information storage area is registered as credit sales available,
A credit card issuing method of registering the customer specific information in an area for storing the customer specific information, and issuing the credit card having a credit card number corresponding to the registered information to the customer. 3. A means for storing a credit usage limit in a card prepared in advance, a means for calculating a credit usage limit for a customer in an information processing system which mainly manages information related to the customer's product purchase, and credit card information. The credit selling system according to claim 1, further comprising means for reading and writing. 4. A means for storing a credit usage limit in a card prepared in advance, and a means for calculating a credit usage limit for a customer in a terminal device provided in an information processing system that mainly manages information related to the customer's product purchase. The credit sales system according to claim 1, further comprising: a means for reading and writing information on a credit card.