JPH04258079A - Talking charge account system - Google Patents

Abstract

PURPOSE:To attain talking without caring about number of coins or traffic unit of a card in talking in comparison with the case of a public telephone set using coins or a card storing a charge and to attain talking without being afraid of making trouble and caring about the charge even when a telephone set of other party is borrowed. CONSTITUTION:A receiver 8 sends an account number read from a subscriber card and a password obtained from a subscriber to a connection device 9 and the connection device 9 retrieves a prescribed bank based on the account number and connects to the bank via a communication line and the received account number and password are sent to a collation device 2. The collation device 2 reads the relevant account number and password from a storage device 3 and compares them with the received account number and password and returns information representing a call propriety to a call propriety command device 11. The call propriety command device 11 informs the priority of a call to a subscriber 12 based thereon. After the end of talking, a calculation device 10 calculates a talking charge and informs it to a charge account device 1 via the connection device 9. The charge accounting device 1 revises the deposit residual mount to the storage device 3.

Description

[Detailed description of the invention]

0001

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a call charge settlement system in a telephone exchange system.

0002

[Prior Art] Conventionally, in this type of fee settlement system,
In the case of public telephones, payment is made for the call time using coins or a card with the charges stored.In the case of landline telephones, payment is usually made on a monthly basis, and the payment is automatically withdrawn from a designated bank or sent to the telephone office. That's how you go about paying.

0003

[Problems to be Solved by the Invention] From the subscriber's perspective, the above-mentioned conventional call charge settlement system uses coins or cards that store charges, so it is difficult to settle calls in remote areas or other areas where unit charges are high. When making a phone call, there was a drawback in that the user had to look at the number of coins or the charge rate while making the call. Another disadvantage is that when borrowing a telephone owned by another person, one must be careful about the other party.

[0004]Furthermore, in order to confirm the details of a call, it is time-consuming and troublesome to request the telephone office etc. in advance, and on the other hand, from the perspective of the operating company, it may cause delinquency of call charges, etc. There is a possibility.

[0005]

[Means for Solving the Problems] The call charge settlement system of the present invention provides for a bank that provides call charge settlement services to
A device that is connected to a telephone exchange through a communication line and settles call charges for each call based on information from the telephone exchange, and a device that verifies the subscriber's account number and PIN number sent from the telephone exchange. and a device that stores the personal identification number and the balance for each account number, and the telephone to which the service is provided includes a device that reads the card that records the account number, and a device that reads the card that records the account number. and a device for transmitting the account number to the telephone exchange, and the telephone exchange has a device for detecting a call made by inserting the card, and a device for transmitting the PIN number to the subscriber by making a call by inserting the card. a device that makes a request, a device that receives the account number and PIN sent from the telephone, a device that searches for a predetermined bank based on the sent account number and connects to this bank, and a device that connects to the predetermined bank. The present invention includes a device that instructs a calling subscriber to request a destination dial based on call availability information, and a device that calculates a charge after the call ends and notifies the predetermined bank of the call charge.

[0006]

DESCRIPTION OF THE PREFERRED EMBODIMENTS Next, the present invention will be explained with reference to the drawings. FIG. 1 is a block diagram showing one embodiment of the present invention.

[0007] This system is divided into devices installed at three locations: the bank side, the exchange center side, and the telephone side.
, 15, the switching center and other switching centers are respectively connected. On the bank side, there is a charge settlement device 1 that settles charges based on charge notifications from the exchange, and a verification device that compares the individual's account number and PIN number from the exchange with these pre-registered numbers and notifies the comparison result. It includes a device 2 and a storage device 3 that stores account numbers, passwords, and balances. The telephone side is equipped with a reading device 4 that reads the contents of a card inserted by a subscriber 12 who wishes to make a call, and a sending device 5 that sends the contents read from the card to the exchange. On the exchange side, there is a detection device 6 that detects call origination and disconnection from the subscriber 12, a PIN request device 7 that requests the PIN number from the subscriber 12, and a PIN number and account number from the subscriber 12. a receiving device 8 which receives the information, a connecting device 9 which searches for a predetermined bank based on the account number, a calculating device 10 which calculates the charge based on the disconnection signal detected by the detecting device 6 and notifies the bank of the result; The device 11 includes a call permission/prohibition instruction device 11 that instructs the subscriber 12 to request a dial to a destination subscriber 16 based on the verification result.

Next, the fee settlement operation will be explained using FIGS. 1 and 2. In the case of a subscriber-originated call, by inserting the card into the card reading device 4 as a call charge settlement method,
The card reading device 4 is connected to the exchange and sent out by the sending device 5.
Send the account number read from. In this case, the card may be a commonly used bank card. At the exchange, where the detecting device 6 receives a call by inserting the card, the receiving device 8 receives the subsequently sent account number and sends a password request to the subscriber 12 using the password device 7.

[0009] Upon receiving the PIN number request, the subscriber 12 uses a dial to send out the PIN number registered in advance at the bank. Receiving device 8 receives the password and sends the account number and password to connecting device 9. The connection device 9, which has received the account number and password, searches for a predetermined bank based on the account number and performs a connection operation to the predetermined bank.

After connecting to a predetermined bank via a communication line, the connection device 9 sends the account number and password number to the predetermined bank for verification. At the bank connected by the connection operation, the received account number and PIN are then read out from the storage device 3, which stores the account number, PIN, and deposit balance, by the matching device 2 and compared. . Then, the comparison results are sent to the exchange with which the connection operation was made, including the balance of the amount to be paid. The exchange receives this verification result by the call permission/prohibition indicating device 11, and based on the result, it is determined whether to request the subscriber to dial the other party or to refuse connection to the other party.

[0011] If the verification result is "good", a destination dial request is made to the subscriber. As a result, the subscriber 12 who has received the destination dial request dials the destination. The exchange then performs a known exchange operation to connect the subscriber 12 and the other subscriber 16. If the verification result is "no", the subscriber 12 is notified that the call cannot be made.

[0012] The exchange calculates the fee using the calculation device 10 based on the disconnection signal sent at the end of the call, and notifies the bank of the fee. When the bank receives the charge notification, the charge settlement device 1 updates the charge balance in the storage device 3 in which the charge balance is stored. Note that the details of the call charges can also be output to the bank's output device (not shown) using a predetermined special number from the subscriber 12 and a password.

[0013]

Effects of the Invention As explained above, the present invention allows you to settle the call charges at a predetermined bank for each call. 、You can make calls without worrying about the power of your card, and even when you call someone else, you can make a call without worrying about the charge or feeling anxious. In addition, by paying for calls, you can check the details of the call using your bank passbook, and the exchange determines whether or not you can connect based on the balance sent along with the verification results, allowing you to avoid missed calls, etc. It has the effect of being able to prevent

[Brief explanation of the drawing]

FIG. 1 is a configuration diagram showing an embodiment of the present invention.

FIG. 2 is a diagram showing the flow of operation of an embodiment of the present invention.

[Explanation of symbols]

1　　　　Charge settlement device 2 Verification device 3. Storage device 4 Reading device 5 Sending device 6 Detection device 7 PIN number request device 8 Receiving device 9 Connection device 10 Computing device 11. Call availability indication device 12,16 subscribers 13, 14, 15 Trunk

Claims (1)

[Claims] Claim 1: A bank that provides a call charge settlement service includes a device that is connected to a telephone exchange through a communication line and that settles call charges for each call based on information from the telephone exchange; The telephone to which the service is provided is equipped with a device that verifies the subscriber's account number and PIN sent to it, and a device that stores the PIN and the balance of the account corresponding to the account number. A device for reading a card with an account number recorded thereon, and a device for sending the account number read by the reading device to the telephone exchange, and the telephone exchange detects a call made by inserting the card; a device that requests the subscriber for the PIN number by making a call by inserting the card; and a device that receives the account number and PIN sent from the telephone;
a device that searches for a predetermined bank based on the sent account number and connects to the bank; and a device that instructs the calling subscriber to request destination dialing based on call availability information from the predetermined bank; A call charge settlement system comprising: a device that calculates the charge after the call ends and notifies the predetermined bank of the call charge.