Accounting and account reconciliating system

• US 20060074779A1
• Filed: 12/05/2005
• Published: 04/06/2006
• Est. Priority Date: 09/29/2000
• Status: Abandoned Application

• Current Assignee: Sharp Kabushiki Kaisha (Hon Hai Precision Industry Co., Ltd.)
• Original Assignee: Sharp Kabushiki Kaisha (Hon Hai Precision Industry Co., Ltd.)
• Inventors: Nakagawa, Katsuya, Washizuka, Satoshi
• Application Number:
  US11/293,195
• Publication Number:
  US 20060074779A1
• Time in Patent Office: Days
• US Class Current: 705/30
• 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 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• 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
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof
• CPC Class Codes: G06Q 40/12 Accounting

Abstract

An accounting and reconciliation system includes a seller terminal that receives credit data guaranteeing payment, and payment data. A buyer terminal for a buyer sends purchase request data containing transaction information which specifies purchase transaction conditions. A reconciliation unit mediates a purchase transaction between the buyer and the seller in response to receiving the purchase request data communicated from the buyer terminal to the reconciliation unit. The reconciliation unit includes communication circuitry for communicating with the buyer terminal and the seller terminal and a processing system responsive to the purchase request data for sending the credit data to the seller terminal, and for sending the payment data to the seller terminal after receiving acknowledgment data indicative of the buyer'"'"'s acknowledgment of receipt.

Claims

1. A buyer terminal for a buyer for use in an accounting and reconciliation system comprising a seller terminal for a seller and a reconciliation unit, the seller terminal receiving credit data guaranteeing payment for a product or service, and receiving payment data for the product or service, and the reconciliation unit mediating a purchase transaction between the buyer and the seller in response to receiving purchase request data and comprising communication circuitry for communicating with the buyer terminal and the seller terminal, and a processing system responsive to the purchase request data for sending the credit data to the seller terminal and for sending the payment data to the seller terminal after receiving acknowledgment data indicative of the buyer'"'"'s acknowledgment of receipt of the product or service, the buyer terminal comprising:

short-distance communication circuitry for communicating with the seller terminal;

wide area communication circuitry for communicating with the reconciliation unit;

one or more input devices;

a processing system for sending the purchase request data to the reconciliation unit via the wide area communication circuitry, the purchase request data including purchase transaction information which specifies purchase transaction conditions for the product or service, and for, in response to an input by the buyer using the one or more input devices, sending to the seller terminal via the short-distance communication, for forwarding thereafter by the seller terminal to the reconciliation unit, the acknowledgement of receipt of the product or service.

2. A seller terminal for a seller for use in an accounting and reconciliation system comprising a buyer terminal for a buyer and a reconciliation unit, the buyer terminal sending purchase request data including purchase transaction information which specifies purchase transaction conditions for a product or service, and the reconciliation unit mediating a purchase transaction between the buyer and the seller in response to receiving the purchase request data sent from the buyer terminal and comprising communication circuitry for communicating with the buyer terminal and the seller terminal, and a processing system responsive to the purchase request data for sending credit data guaranteeing payment for the product or service and for sending payment data for the product or service after receiving acknowledgment data indicative of the buyer'"'"'s acknowledgment of receipt of the product or service, the seller terminal comprising:

wide area communication circuitry for communicating with the reconciliation unit;

short-distance communication circuitry for communicating with the buyer terminal; and

a processing system for receiving the credit data and the payment data from the reconciliation unit and for receiving, via the short distance communication circuitry, the acknowledgment data from the buyer terminal and forwarding, via the wide area communication circuitry, the acknowledgment data to the reconciliation unit.

3. A buyer terminal for a buyer for use in an accounting and reconciliation system comprising a seller terminal for a seller and a reconciliation unit, the seller terminal receiving credit data guaranteeing payment for a product or service, and receiving payment data for the product or service, and the reconciliation unit mediating a purchase transaction between the buyer and the seller in response to receiving purchase request data and comprising communication circuitry for communicating with the buyer terminal and the seller terminal, and a processing system responsive to the purchase request data for sending the credit data to the seller terminal and for sending the payment data to the seller terminal after the product or service is supplied from the seller, the buyer terminal comprising:

short-distance communication circuitry for communicating with the seller terminal;

wide area communication circuitry for communicating with the reconciliation unit;

one or more input devices;

a processing system for sending the purchase request data to the reconciliation unit via the wide area communication circuitry, the purchase request data including purchase transaction information which specifies purchase transaction conditions for the product or service, for receiving delivery list data relating to delivery of the product or service from the seller terminal via the short-distance communication circuitry, and for sending acknowledgment data input using the one or more input devices in response to the delivery list data to the seller terminal via the short-distance communication circuitry.

4. A seller terminal for a seller for use in an accounting and reconciliation system comprising a buyer terminal for a buyer and a reconciliation unit, the buyer terminal sending purchase request data including purchase transaction information which specifies purchase transaction conditions for the product or service, receiving delivery list data relating to delivery of the product or service, and sending acceptance data in response to the delivery list data, and the reconciliation unit mediating a purchase transaction between the buyer and the seller in response to receiving the purchase request data sent from the buyer terminal and comprising communication circuitry for communicating with the buyer terminal and the seller terminal and a processing system responsive to the purchase request data for sending credit data to the seller terminal and for sending the payment data to the seller terminal after the product or service is supplied from the seller, the seller terminal comprising:

wide area communication circuitry for communicating with the reconciliation unit;

short-distance communication circuitry for communicating with the buyer terminal; and

a processing system for receiving from the reconciliation unit, via the wide area communication circuitry, the credit data and the payment data and for sending to the buyer terminal, via the short-distance communication circuitry, the delivery list data.

5. A method for making purchases without the use of a credit card, comprising:

generating in a buyer terminal of a buyer a purchase request for a product or service sold by a seller;

sending the purchase request from the buyer terminal to a reconciliation unit via a wide area communication network to which the buyer terminal and the reconciliation are connected;

generating credit data in the reconciliation unit based on the purchase request from the buyer terminal, the credit data guaranteeing payment to the seller by the reconciliation unit;

sending the credit data from the reconciliation unit to a seller terminal of the seller via a wide area communication network to which the seller terminal and the reconciliation unit are connected;

sending delivery list data from the seller terminal to the buyer terminal via a short-distance communication network, the delivery list data relating to delivery to the buyer from the seller of the product or service;

sending acknowledgment data from the buyer terminal to the seller terminal via the short-distance communication network, the acknowledgment data acknowledging the delivery to the buyer from the seller of the product or service specified in the delivery list data;

sending the acknowledgment data from the seller terminal to the reconciliation unit via the wide area communication network to which the seller terminal and the reconciliation unit are connected; and

sending payment data from the reconciliation unit to the seller terminal via the wide area communication network to which the seller terminal and the reconciliation unit are connected.

6. A buyer terminal for a buyer comprising:

first communication circuitry for communicating with a seller terminal for a seller;

second communication circuitry for communicating with a reconciliation unit mediating a purchase transaction between the buyer and the seller;

one or more input devices; and

a processing system a) for sending purchase request data to the reconciliation unit via the second communication circuitry, the purchase request data including purchase transaction information which specifies purchase transaction conditions for a product or service, and b) for, in response to an input by the buyer using the one or more input devices, sending to the seller terminal via the first communication circuitry, for forwarding by the seller terminal to the reconciliation unit, an acknowledgment of receipt of the product or service.

7. The buyer terminal as set forth in claim 6, wherein the first communication circuitry is short-distance communication circuitry and the second communication circuitry is wide area communication circuitry.

8. The buyer terminal as set forth in claim 6, wherein the processing system receives delivery list data relating to delivery of the product or service from the seller terminal via the first communication circuitry, and sends the acknowledgment data input in response to the delivery list data.

9. The buyer terminal as set forth in claim 8, wherein the first communication circuitry is short-distance communication circuitry and the second communication circuitry is wide area communication circuitry.

10. A seller terminal for a seller comprising:

first communication circuitry for communicating with a buyer terminal for a buyer;

second communication circuitry for communicating with a reconciliation unit mediating a purchase transaction between the buyer and the seller; and

a processing system a) for receiving credit data from the reconciliation unit, via the second communication circuitry, the credit data including purchase transaction information which specifies purchase transaction conditions for a product or service, and b) for receiving, via the first communication circuitry, acknowledgment data from the buyer terminal and forwarding, via the second communication circuitry, the acknowledgment data to the reconciliation unit.

11. The seller terminal as set forth in claim 10, wherein the first communication circuitry is short-distance communication circuitry and the second communication circuitry is wide area communication circuitry.

12. The seller terminal as set forth in claim 10, wherein the processing system sends delivery list data to the buyer terminal via the first communication circuitry, the delivery list data relating to delivery of the product or service.

13. The seller terminal as set forth in claim 12, wherein the first communication circuitry is short distance communication circuitry and the second communication circuitry is wide area communication circuitry.