Apparatus and method for supporting transactions

• US 20020040340A1
• Filed: 03/13/2001
• Published: 04/04/2002
• Est. Priority Date: 09/22/2000
• Status: Abandoned Application

• Current Assignee: Fujitsu Limited
• Original Assignee: Fujitsu Limited
• Inventors: Yoshida, Hidefumi
• Application Number:
  US09/804,039
• Publication Number:
  US 20020040340A1
• Time in Patent Office: Days
• US Class Current: 705/39
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/24 Credit schemes, i.e. "pay after"
• CPC Class Codes: G06Q 20/425 using two different networks, one for transaction and one for security confirmation
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions

Abstract

There is provided a transaction supporting apparatus that supports safe and sure payment of a transaction that is made via the Internet. A buyer client accesses a seller server to purchases a product and make payment of the product via the transaction supporting apparatus. A transaction-detail registering unit of the apparatus registers the details of the transaction. A payment information notifying unit refers to the details of the transaction registered and notifies, via an e-mail, the buyer client of an account to which payment should be made and a deadline for such payment. If the buyer has not made payment to the account by the deadline, a charging unit accesses a bank server and acknowledges this situation. Then, the charging unit accesses a server of a credit card company and charges for the transaction in the name of the buyer.

Claims

1. A transaction supporting apparatus supporting making payment of a transaction comprising:

transaction-detail registering means for registering details of a transaction;

payment information notifying means for notifying a buyer of payment information;

payment confirming means for confirming whether payment of the transaction has been made to an account specified in the payment information by a deadline also specified in the payment information; and

charging means for charging for the transaction via a credit card when said payment confirming means confirms that the payment has not been made by the deadline.

2. The transaction supporting apparatus according to claim 1, further comprising means for sending to the buyer a reminder message which reminds the buyer of payment when the payment confirming means confirms that payment has not been made by the deadline,

said charging means charges for the transaction via the credit card when a given period described in the reminder message has expired.

3. The transaction supporting apparatus according to claim 1, further comprising means for remitting to the seller an amount obtained by subtracting a given service fee from an amount paid by the buyer.

4. The transaction supporting apparatus according to claim 1, further comprising means for inputting card information necessary to charge for the transaction via the credit card,

said card information being information that a delivery service agent who delivers a product to the buyer directly obtains from the buyer at the time of a first transaction by the buyer.

5. The transaction supporting apparatus according to claim 1, further comprising means for making a transfer into an account of the buyer,

said charging means charges for the transaction via the credit card if said payment confirming means confirms that said account of the buyer does not have a balance sufficient to the payment to be made by the buyer.

6. The transaction supporting apparatus according to claim 1, further comprising means for requesting a home-delivery service agent to deliver a product purchased by the buyer and notifying the home-delivery service agent of information about the buyer, said information about the buyer including an address of a delivery destination.

7. A method of supporting making payment of a transaction comprising the steps of:

registering details of a transaction;

notifying a buyer of payment information;

confirming whether payment of the transaction has been made to an account specified in the payment information by a deadline also specified in the payment information; and

charging for the transaction via a credit card when it is confirmed that the payment has not been made by the deadline.

8. A computer-readable recording medium storing a program that causes a computer to function as:

transaction-detail registering means for registering details of a transaction;

payment information notifying means for notifying a buyer of payment information;

payment confirming means for confirming whether payment of the transaction has been made to an account specified in the payment information by a deadline also specified in the payment information; and

charging means for charging for the transaction via a credit card when said payment confirming means confirms that the payment has not been made by the deadline.