Scalable lazy payment capture in online commerce systems
First Claim
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1. A computer implemented lazy payment capture method comprising:
- receiving payment authorization for a payment amount from a merchant account system;
detecting a plurality of payment capture requests for portions of said payment amount;
consulting a set of established rules for applying lazy payment capture to said portions of said payment amount; and
, deferring a request for payment capture for said payment amount from said merchant account system until enough of said payment capture requests have been received to account for said payment amount only when permitted by said established rules.
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Abstract
Embodiments of the invention can include an online commerce system, method and computer program product configured for scalable lazy payment capture. The system can include an online commerce system configured for communicative coupling with a merchant account system and one or more customers over a data communications network. The system further can include scalable lazy payment capture logic coupled to the online commerce system. The scalable lazy payment capture logic can include program code enabled to selectively apply lazy payment capture to partial payments for authorized payment amounts for different customers using multiple different payment methods
12 Citations
21 Claims
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1. A computer implemented lazy payment capture method comprising:
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receiving payment authorization for a payment amount from a merchant account system;
detecting a plurality of payment capture requests for portions of said payment amount;
consulting a set of established rules for applying lazy payment capture to said portions of said payment amount; and
,deferring a request for payment capture for said payment amount from said merchant account system until enough of said payment capture requests have been received to account for said payment amount only when permitted by said established rules. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. An online commerce system configured for lazy payment capture comprising:
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an online commerce system configured for communicative coupling with a merchant account system and a plurality of customers over a data communications network; and
,scalable lazy payment capture logic coupled to said online commerce system and configured to selectively apply lazy payment capture to partial payments for authorized payment amounts for different customers using different payment methods. - View Dependent Claims (11, 12)
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13. A computer program product comprising a computer usable medium having computer usable program code for lazy payment capture, said computer program product including:
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computer usable program code for receiving payment authorization for a payment amount from a merchant account system;
computer usable program code for detecting a plurality of payment capture requests for portions of said payment amount;
computer usable program code for consulting a set of established rules for applying lazy payment capture to said portions of said payment amount; and
,computer usable program code for deferring a request for payment capture for said payment amount from said merchant account system until enough of said payment capture requests have been received to account for said payment amount only when permitted by said established rules. - View Dependent Claims (14, 15, 16, 17, 18, 19, 20, 21)
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Specification