Accounting and reconciliation system
First Claim
1. An accounting and reconciliation system comprising:
- a seller terminal for a seller;
a buyer terminal for a buyer, the buyer terminal sending purchase request data including purchase transaction information which specifies purchase transaction conditions for a product or service;
an account reconciliation server which guarantees account reconciliation in purchase transactions between the buyer and the seller of the product or service, the reconciliation unit comprising;
communication circuitry for establishing communications with each of the buyer terminal and the seller terminal;
credit data creating means for (a) creating, based on the purchase request data received from the buyer terminal, credit data including information which specifies purchase transaction conditions for the product or service, and (b) sending the credit data created to the seller terminal, the credit data guaranteeing payment to the seller by the account reconciliation server for the product or service;
credit data storing means for storing the credit data;
data comparing means for comparing the stored credit data with acknowledgment data received from the buyer terminal, the acknowledgment data (a) being issued by the buyer terminal when the buyer receives from the seller the product or service, and (b) indicating a product or service delivered from the seller to the buyer; and
paying means for making payment for the product or service to the seller terminal when the content of the acknowledgment data satisfies the purchase transaction conditions described in the stored credit data.
1 Assignment
0 Petitions
Accused Products
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.
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Citations
15 Claims
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1. An accounting and reconciliation system comprising:
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a seller terminal for a seller; a buyer terminal for a buyer, the buyer terminal sending purchase request data including purchase transaction information which specifies purchase transaction conditions for a product or service; an account reconciliation server which guarantees account reconciliation in purchase transactions between the buyer and the seller of the product or service, the reconciliation unit comprising; communication circuitry for establishing communications with each of the buyer terminal and the seller terminal; credit data creating means for (a) creating, based on the purchase request data received from the buyer terminal, credit data including information which specifies purchase transaction conditions for the product or service, and (b) sending the credit data created to the seller terminal, the credit data guaranteeing payment to the seller by the account reconciliation server for the product or service; credit data storing means for storing the credit data; data comparing means for comparing the stored credit data with acknowledgment data received from the buyer terminal, the acknowledgment data (a) being issued by the buyer terminal when the buyer receives from the seller the product or service, and (b) indicating a product or service delivered from the seller to the buyer; and paying means for making payment for the product or service to the seller terminal when the content of the acknowledgment data satisfies the purchase transaction conditions described in the stored credit data. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13)
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14. An accounting and reconciliation method which guarantees account reconciliation in purchase transactions between a buyer and a seller of a product or service, the method comprising:
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(1) creating in an account reconciliation server, based on purchase request data sent from a buyer terminal for the buyer, credit data including information which specifies purchase transaction conditions for the product or service and sending the electronic credit data to a seller terminal for the seller, the credit data guaranteeing payment to the seller by the account reconciliation server for the product or service; (2) storing the credit data; (3) comparing the stored credit data with acknowledgment data received from the buyer terminal, the acknowledgment data being issued by the buyer terminal when the buyer receives from the seller the product or service, and the acknowledgment data indicating a product or service delivered from the seller to the buyer; and (4) making payment for the product or service to the seller terminal when the content of the acknowledgment data satisfies the purchase transaction conditions described in the stored credit data.
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15. An account reconciliation server which guarantees account reconciliation in purchase transactions between a buyer and a seller of a product or service,
the account reconciliation server comprising: -
a communicating circuit for establishing communications with each of a buyer terminal of the buyer and a seller terminal of the seller; credit data creating means for (a) creating based on purchase request data received from the buyer terminal, credit data including information which specifies purchase transaction conditions for the product or service, and (b) sending the credit data created to the seller terminal, the credit data guaranteeing payment to the seller by the account reconciliation server for the product or service; credit data storing means for storing the credit data; data comparing means for comparing the stored credit data with acknowledgment data received from the buyer terminal, the acknowledgment data (a) being issued by the buyer terminal when the buyer receives from the seller the product or service, and (b) indicating a product or service delivered from the seller to the buyer; and paying means for making payment for the product or service to the seller terminal when the content of the acknowledgment data satisfies the purchase transaction conditions described in the stored credit data.
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Specification