Purchase payment transfer method

• US 20040030613A1
• Filed: 06/13/2003
• Published: 02/12/2004
• Est. Priority Date: 12/15/2000
• Status: Abandoned Application

• Current Assignee: Takashi Fujimoto
• Original Assignee: Takashi Fujimoto
• Inventors: Fujimoto, Takashi
• Application Number:
  US10/450,396
• Publication Number:
  US 20040030613A1
• Time in Patent Office: Days
• US Class Current: 705/26
• 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 30/04 Billing or invoicing
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]

Abstract

When a business agreement has been made between a sales company and a purchasing company, the sales company determines a transaction code. The sales company notifies the purchasing company of transaction data including the transaction code, purchase price data, and its own account number data to the purchasing company. A settlement-dedicated computer of the purchasing company transmits the transaction data to a transaction management computer of a transaction center through a line. The transaction management computer provides an instruction to perform a transfer to a bank of the purchasing company through a line. From the bank, the transfer is performed to a bank of the sales company through a line. The transaction management computer which has received a transfer completion notification from the bank notifies the sales company of the transaction code through a line. On the basis of the transaction code, the sales company performs invoice processing.

Claims

1. A purchase payment transfer system comprising:

a step in which a computer of a transaction center receives a transaction code and product purchase-price data from a buyer through a line, the transaction code specifying a transaction that is agreed between a seller of the product and a buyer of the product;

a step in which the computer instructs a bank of the buyer to transfer the purchase price from the account to the bank account of the seller on the basis of the purchase price data; and

a step in which, after the completion of the transfer, the computer transmits the transaction code to the seller through a line.

2. A purchase payment transfer system comprising:

a step in which a computer of a transaction center receives a transaction code and product purchase-price data from a seller through a line, the transaction code specifying a transaction that is agreed between a seller of the product and a buyer of the product;

a step in which the computer receives the transaction code and the product purchase-price data from the buyer through a line;

a step in which the computer instructs a bank of the buyer to transfer the purchase price from the account to the bank account of the seller on the basis of the purchase price data under the condition that the transaction code received from the seller and the transaction code received from the buyer coincide with each other; and

a step in which, after the completion of the transfer, the computer transmits the transaction code to the seller through a line.

3. A purchase payment transfer system comprising:

a step in which a computer of a transaction center receives a transaction code and product purchase-price data from a buyer through a line, the transaction code specifying a transaction that is agreed between a seller of the product and a buyer of the product;

a step in which the computer instructs a bank of the buyer to escrow the purchase price from the bank account to an escrow account on the basis of the purchase price data;

a step in which, after the buyer has received the product, the computer makes an instruction to transfer the purchase price from the escrow account to the bank account of the seller; and

a step in which, after the completion of the transfer, the computer transmits the transaction code to the seller through a line.

4. A purchase payment transfer system comprising:

a step in which a computer of a transaction center receives a transaction code and product purchase-price data from a seller through a line, the transaction code specifying a transaction that is agreed between a seller of the product and a buyer of the product;

a step in which the computer receives the transaction code and product purchase-price data from the buyer through a line;

a step in which the computer instructs a bank of the buyer to escrow the purchase price from the bank account to an escrow account on the basis of the purchase price data under the condition that the transaction code received from the seller and the transaction code received from the buyer coincide with each other;

a step in which, after the buyer has received the product, the computer makes an instruction to transfer the purchase price from the escrow account to the bank account of the seller; and

a step in which, after the completion of the transfer, the computer transmits the transaction code to the seller through a line.