METHOD FOR PERFORMING MULTI-PAYMENT USING MULTIPLE PAYMENT MEANS, DEVICE FOR PERFORMING MULTI-PAYMENT, AND PROGRAM FOR PERFORMING MULTI-PAYMENT

• US 20130041813A1
• Filed: 05/20/2011
• Published: 02/14/2013
• Est. Priority Date: 05/25/2010
• Status: Abandoned Application

• Current Assignee: NEC Solution Innovators, Ltd (NEC Corporation)
• Original Assignee: NEC Corporation, NEC Soft Limited (NEC Corporation)
• Inventors: Nezu, Satoshi, Kawano, Yoshitaka
• Application Number:
  US13/643,336
• Publication Number:
  US 20130041813A1
• Time in Patent Office: Days
• US Class Current: 705/39
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/227 characterised in that multiple accounts are available, e.g. to the payer
• CPC Class Codes: G06Q 20/24 Credit schemes, i.e. "pay after"
• CPC Class Codes: G06Q 20/30 characterised by the use of specific devices or networks
• 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 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions

Abstract

One settlement is made with multiple settlement units. A user-selected settlement unit, at least one settlement price allocated to each settlement unit and a usage ratio allocated to each settlement unit, and a total price to be settled are received from a site. Credit processing is performed for each price obtained by allocating the total price to the settlement unit using the usage ratio or for each settlement price allocated to each settlement unit. Sales determination processing is performed for each price obtained by allocating the total price to the settlement unit using the usage ratio or for each settlement price allocated to each settlement unit. A message indicating settlement completion is transmitted to the site. In the first and second settlements, when all credit processing and sales determination processing can be performed within the multi-settlement apparatus, the processing is so performed, otherwise, an external unit is requested.

Claims

1. A multi-settlement apparatus that mutually communicates with a site, which is connected to a terminal used by a user, the multi-settlement apparatus comprising:

a reception unit that receives, from the site, one or more settlement means selected by the user, at least one of a settlement price allocated to each of the settlement means and a usage ratio allocated to each of the settlement means, and a total price to be settled;

a settlement plug-in that is provided for each of the settlement means, and is used for credit processing and sales determination processing;

a first settlement processing unit that performs the credit processing using the settlement plug-in for each price obtained by allocating the total price to the settlement means in accordance with the usage ratio or for each settlement price allocated;

a second settlement processing unit that performs sales determination processing using the settlement plug-in for each price obtained by allocating the total price to the settlement means in accordance with the usage ratio or for each settlement price allocated to each of the settlement means, after the credit processing for all the settlement means has been completed; and

a transmission unit that determines that the settlement has been completed after the sales determination processing for all of the settlement means had been completed, and transmits to the site a message indicating that the settlement has been finished,

wherein when all of the credit processing and the sales determination processing can be performed within the multi-settlement apparatus, the first settlement processing unit and the second settlement processing unit perform the processing within the multi-settlement apparatus, and when the credit processing and the sales determination processing cannot be performed within the multi-settlement apparatus, the first settlement processing unit and the second settlement processing unit request an external unit to perform the processing.

2. The multi-settlement apparatus according to claim 1, wherein the reception unit receives settlement means selected by the user, an upper limit of usable price allocated to any given settlement means of the selected settlement means, and a total price to be settled, and

wherein when the total price is within the upper limit of usable price, the first settlement processing unit and the second settlement processing unit allocate the total price to the any given settlement means, and performs the credit processing and the sales determination processing only on the any given settlement means, and

when the total price is not within the upper limit of usable price, the first settlement processing unit and the second settlement processing unit allocate the upper limit of price to the any given settlement means, allocates a price obtained by deducting the upper limit of price from the total price to the settlement means other than the any given settlement means, and performs the credit processing and the sales determination processing.

3. The multi-settlement apparatus according to claim 1, wherein the reception unit receives settlement means selected by the user, an order of precedence allocated to each of the selected settlement means, and a total price to be settled, and

wherein the first settlement processing unit and the second settlement processing unit performs the credit processing and the sales determination processing on the price that can be settled by settlement means of which order of precedence is the highest, and

the first settlement processing unit and the second settlement processing unit allocate a difference between the total price and the price that can be settled by settlement means of which order of precedence is the highest to settlement means other than the settlement means of which order of precedence is the highest, and performs the credit processing and the sales determination processing.

4. The multi-settlement apparatus according to claim 1, wherein when the credit processing fails in the first settlement processing unit, rollback is performed on settlement means of which credit processing has already been performed, so that the settlement means is returned back to a state in which the credit processing has not yet been performed, and a message indicating that the credit processing has failed and a reason why it has failed are notified to the site.

5. The multi-settlement apparatus according to claim 1, wherein even when all of the credit processing and the sales determination processing can be performed within the multi-settlement apparatus, the first settlement processing unit and the second settlement processing unit request an external unit to perform a portion or all of the processing.

6. The multi-settlement apparatus according to claim 1, wherein any settlement plug-in can be added, updated, or deleted.

7. A site connected to the multi-settlement apparatus according to claim 1, wherein when the transmission unit transmits the message indicating that the settlement has been finished, the site gives the user a point calculated by multiplying the settled price and a point giving rate that is set for each of the settlement means.

15. The multi-settlement apparatus according to claim 2, wherein when the credit processing fails in the first settlement processing unit, rollback is performed on settlement means of which credit processing has already been performed, so that the settlement means is returned back to a state in which the credit processing has not yet been performed, and a message indicating that the credit processing has failed and a reason why it has failed are notified to the site.

16. The multi-settlement apparatus according to claim 3, wherein when the credit processing fails in the first settlement processing unit, rollback is performed on settlement means of which credit processing has already been performed, so that the settlement means is returned back to a state in which the credit processing has not yet been performed, and a message indicating that the credit processing has failed and a reason why it has failed are notified to the site.

17. The multi-settlement apparatus according to claim 2, wherein even when all of the credit processing and the sales determination processing can be performed within the multi-settlement apparatus, the first settlement processing unit and the second settlement processing unit request an external unit to perform a portion or all of the processing.

18. The multi-settlement apparatus according to claim 3, wherein even when all of the credit processing and the sales determination processing can be performed within the multi-settlement apparatus, the first settlement processing unit and the second settlement processing unit request an external unit to perform a portion or all of the processing.

19. The multi-settlement apparatus according to claim 4, wherein even when all of the credit processing and the sales determination processing can be performed within the multi-settlement apparatus, the first settlement processing unit and the second settlement processing unit request an external unit to perform a portion or all of the processing.

20. The multi-settlement apparatus according to claim 2, wherein any settlement plug-in can be added, updated, or deleted.

8. A multi-settlement method performed by a multi-settlement apparatus that mutually communicates with a site, which is connected to a terminal used by a user,

the multi-settlement method comprising:

a reception step for receiving, from the site, one or more settlement means selected by the user, at least one of a settlement price allocated to each of the settlement means and a usage ratio allocated to each of the settlement means, and a total price to be settled;

a step for preparing a settlement plug-in that is provided for each of the settlement means, and is used for credit processing and sales determination processing;

a first settlement step in which the credit processing is performed using the settlement plug-in for each price obtained by allocating the total price to the settlement means in accordance with the usage ratio or for each settlement price allocated;

a second settlement step in which sales determination processing is performed using the settlement plug-in for each price obtained by allocating the total price to the settlement means in accordance with the usage ratio or for each settlement price allocated to each of the settlement means, after the credit processing for all the settlement means has been completed; and

a transmission step in which the settlement is determined to have been completed after the sales determination processing for all of the settlement means had been completed, and a message indicating that the settlement has been finished is transmitted to the site,

wherein in the first settlement step and the second settlement step, when all of the credit processing and the sales determination processing can be performed within the multi-settlement apparatus, the processing is performed within the multi-settlement apparatus, and when the credit processing and the sales determination processing cannot be performed within the multi-settlement apparatus, an external unit is requested to perform the processing.

9. A multi-settlement program incorporated into a multi-settlement apparatus that mutually communicates with a site, which is connected to a terminal used by a user,

wherein the multi-settlement program causes a computer to function as the multi-settlement apparatus comprising:

a reception unit that receives, from the site, one or more settlement means selected by the user, at least one of a settlement price allocated to each of the settlement means and a usage ratio allocated to each of the settlement means, and a total price to be settled;

a settlement plug-in that is provided for each of the settlement means, and is used for credit processing and sales determination processing;

a first settlement processing unit that performs the credit processing using the settlement plug-in for each price obtained by allocating the total price to the settlement means in accordance with the usage ratio or for each settlement price allocated;

a second settlement processing unit that performs sales determination processing using the settlement plug-in for each price obtained by allocating the total price to the settlement means in accordance with the usage ratio or for each settlement price allocated to each of the settlement means, after the credit processing for all the settlement means has been completed; and

a transmission unit that determines that the settlement has been completed after the sales determination processing for all of the settlement means had been completed, and transmits to the site a message indicating that the settlement has been finished,

wherein when all of the credit processing and the sales determination processing can be performed within the multi-settlement apparatus, the first settlement processing unit and the second settlement processing unit perform the processing within the multi-settlement apparatus, and when the credit processing and the sales determination processing cannot be performed within the multi-settlement apparatus, the first settlement processing unit and the second settlement processing unit request an external unit to perform the processing.

10. The multi-settlement program according to claim 9, wherein the reception unit receives settlement means selected by the user, an upper limit of usable price allocated to any given settlement means of the selected settlement means, and a total price to be settled, and

wherein when the total price is within the upper limit of usable price, the first settlement processing unit and the second settlement processing unit allocate the total price to the any given settlement means, and perform the credit processing and the sales determination processing only on the any given settlement means, and

when the total price is not within the upper limit of usable price, the first settlement processing unit and the second settlement processing unit allocate the upper limit of price to the any given settlement means, allocate a price obtained by deducting the upper limit of price from the total price to the settlement means other than the any given settlement means, and perform the credit processing and the sales determination processing.

11. The multi-settlement program according to claim 9, wherein the reception unit receives settlement means selected by the user, an order of precedence allocated to each of the selected settlement means, and a total price to be settled, and

wherein the first settlement processing unit and the second settlement processing unit perform the credit processing and the sales determination processing on the price that can be settled by settlement means of which order of precedence is the highest, and

the first settlement processing unit and the second settlement processing unit allocate a difference between the total price and the price that can be settled by settlement means of which order of precedence is the highest to settlement means other than the settlement means of which order of precedence is the highest, and performs the credit processing and the sales determination processing.

12. The multi-settlement program according to claim 9, wherein when the credit processing fails in the first settlement processing unit, rollback is performed on settlement means of which credit processing has already been performed, so that the settlement means is returned back to a state in which the credit processing has not yet been performed, and a message indicating that the credit processing has failed and a reason why it has failed are notified to the site.

13. The multi-settlement program according to claim 9, wherein even when all of the credit processing and the sales determination processing can be performed within the multi-settlement apparatus, the first settlement processing unit and the second settlement processing unit request an external unit to perform a portion or all of the processing.

14. The multi-settlement program according to claim 9, wherein any settlement plug-in can be added, updated, or deleted.