Electronic payment system and method for electronic payment

• US 20020138425A1
• Filed: 10/22/2001
• Published: 09/26/2002
• Est. Priority Date: 10/20/2000
• Status: Abandoned Application

• Current Assignee: Omron Corporation
• Original Assignee: Omron Corporation
• Inventors: Kaneda, Noriaki, Hirakawa, Yasuyuki, Shimizu, Atsushi
• Application Number:
  US10/004,282
• Publication Number:
  US 20020138425A1
• Time in Patent Office: Days
• US Class Current: 705/40
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions

Abstract

The electronic settlement system of the present invention is an electronic settlement system for the purpose of paying a plurality of expenses requested by the user within a predetermined time period using electronic settlement. It consists of a cash-deposit processing means, which processes cash deposits for each of the expense categories, a payment processing means that makes payments for each of the expense categories, as well as a memory which can store the payment method, payment period, scheduled payment amount and available credit information for each of the expense categories, spreadsheet management of payments and deposits made by the user in each of the categories using electronic settlement and a spreadsheet management means that sends notices to the user on a regular basis. Preferably, the above-mentioned memory will include an available credit correction means that can correct the content of the available credit contained in memory. Furthermore, in the event that the expense category requested for which electronic settlement has been requested is deductible under the tax laws, it would be preferable to have a detail of the deposit and payment amounts that occurred during the fiscal year printed out in a format that could be used in the payment of taxes from the above spreadsheet management means at the end of the corresponding fiscal year.

Claims

1.9. ] An electronic settlement system for electronically paying a plurality of expenses requested by a user within a predetermined period, comprising:

deposit processing means for processing a deposit for each of the plurality of expenses;

payment processing means for processing a payment for each of the plurality of expenses;

storage means for storing payment method, payment period, scheduled payment amount, and credit limit for each of the plurality of expenses; and

management means for totalizing deposits and payments from a user through the electronic settlement system and informing the user of the totalized amount thereof for each of the plurality of expenses.

2.9. ] The electronic settlement system according to claim 1, further comprising a credit limit alteration means for altering credit limit stored by the storage means in accordance with the difference between the total deposit amount and total payment amount that is calculated at a time when request of payment by the electronic payment system is received.

3.9. ] The electronic settlement system according to claim 1, wherein if the expense requested to be paid by the electronic settlement system is subject to tax deduction, the management means prints out deposits and payments of that expense within a tax fiscal year at an end of that year on an accounting sheet in a manner that the accounting sheet can be used to submit to tax office.

4.9. ] An electronic settlement method for electronically paying a plurality of expenses requested by a user within a predetermined period, comprising:

storing payment method, payment period, scheduled payment amount, and credit limit of the expense that is requested to pay by the electronic settlement method for each of the plurality of expenses;

storing a deposit data from a user for each of the plurality of expenses;

upon receiving a request to pay by the electronic settlement system, determining whether payment is allowed based on the stored data of deposit and credit limit for the expense; and

paying the requested expense if payment to that request is determined to be allowable, and rejecting the payment if payment to that request is not allowable.

5.9. ] The electronic settlement method according to claim 4, further comprising calculating difference between total deposit amount and total payment amount at a time payment is requested to the electronic settlement system, altering credit limit stored in the system based on the difference, and determining whether payment is allowable to that request of payment to the electronic settlement system.

6.9. ] The electronic settlement method according to claim 4, wherein if the expense requested to be paid by the electronic settlement system is subject to tax deduction, printing out deposits and payments of that expense within a tax fiscal year at an end of that year on an accounting sheet in a manner that the accounting sheet can be used to submit to tax office.