Method for temporal payment of the credit charge

• US 20040122765A1
• Filed: 12/20/2002
• Published: 06/24/2004
• Est. Priority Date: 12/20/2002
• Status: Abandoned Application

• Current Assignee: Katsumi Hashimoto
• Original Assignee: Katsumi Hashimoto
• Inventors: Hashimoto, Katsumi
• Application Number:
  US10/326,865
• Publication Number:
  US 20040122765A1
• Time in Patent Office: Days
• US Class Current: 705/40
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

A method for paying a credit-based charge in advance is provided by which payment to a member store is possible in nearly a couple of days. In a case that merchandise purchase acceptance/rejection information sent by a credit company-side terminal unit in response to a sending request for merchandise purchase acceptance/rejection information of whether or not merchandise purchase is possible on credit by a customer having a customer-ID shows that the customer can purchase merchandise by utilizing credit, a central server updates deposit information about an account of a member store having a member store-ID by taking into consideration an amount shown by credit-based charge information sent from a member store-side terminal unit, in a short term. Payment to a member store can be made in nearly a couple of days.

Claims

1. A method for paying a credit-based charge in advance comprising:

a step that a member store-side terminal unit reads a recording medium recording a customer identifier and sends information of credit-based charge to a customer thereof and information including a member store identification together with a read-out customer identifier;

a step that a settlement information center-side terminal unit requests a credit company-side terminal unit to send merchandise purchase acceptance/rejection information representative of whether or not the customer having the customer identifier is allowed to purchase merchandise by utilizing credit, in response to a reception of the pieces of information; and

a step that a central server updates deposit information about an account of the member store having the member store identifier in a short time period by taking into consideration an amount shown by the credit-based charge information in the case that merchandise purchase acceptance/rejection information sent in response to the request by the credit company-side terminal unit shows that the customer is allowed to purchase merchandise by utilizing credit.

2. A method for paying a credit-based charge in advance according to claim 1, wherein the settlement information center-side terminal unit cumulatively stores an information group associated with an addition of a unique case identifier and reception date-and-hour information of the information to an association of the customer identifier, the credit-based charge information and the member store identifier.

3. A method for paying a credit-based charge in advance according to claim 2, wherein the member store identification and account information representative of an account thereof are previously registered, with a correspondence, to registering means, the settlement information center-side terminal unit sending, to the central server, account information corresponding to the member store identifier determined by making reference to a registration content of the registering means together with the information group cumulatively stored, in response to a case information sending request from the central server.

4. A method for paying a credit-based charge in advance according to claim 3, wherein the central server updates the deposit information about an account of the member store having the member store identifier designated by the account information in a predetermined time from a time designated by the reception date-and-hour information in the received information group by taking into consideration an amount shown by the credit-based charge information.

5. A method for paying a credit-based charge in advance according to any one of claims 1, 2, 3 and 4, wherein an update process of deposit information by the central server is to update the deposit information such that a deposit amount increases by an amount deducing first and second commissions from the amount represented by the credit-based charge information.

6. A method for paying a credit-based charge in advance according to claim 5, wherein the first commission is registered based on each member store identifier to second registering means.

7. A method for paying a credit-based charge in advance characterized in that:

in a case that merchandise purchase acceptance/rejection information sent by a credit company-side terminal unit in response to a sending request for merchandise purchase acceptance/rejection information of whether or not merchandise purchase is possible on credit by a customer shows that the customer can purchase merchandise by utilizing credit, a central server carries out an update process to update deposit information about an account of a member store by taking into consideration an amount shown by credit-based charge information sent from a member store-side terminal unit;

the update process being carried out within a couple of days from a time of sending request for the merchandise purchase acceptance/rejection information by taking into consideration two kinds of commissions.