Scalable lazy payment capture in online commerce systems

• US 20070078764A1
• Filed: 10/04/2005
• Published: 04/05/2007
• Est. Priority Date: 10/04/2005
• Status: Abandoned Application

• Current Assignee: International Business Machines Corporation
• Original Assignee: International Business Machines Corporation
• Inventors: Srikanth, Viswanath, Perazolo, Marcelo, Hoyos, Carlos, Peters, Mark, Watkins Moryadas, Andrea
• Application Number:
  US11/243,088
• Publication Number:
  US 20070078764A1
• Time in Patent Office: Days
• US Class Current: 705/40
• 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 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

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

Claims

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.

2. The method of claim 1, wherein said detecting a plurality of payment capture requests for portions of said payment amount further comprises, for each detected payment capture request, computing a sum of portions of said payment amount for which payment capture requests have been detected, and further computing a remaining portion of said payment amount not yet requested for capture.

3. The method of claim 1, wherein said consulting a set of established rules for applying lazy payment capture to said portions of said payment amount, comprises consulting a set of established rules to determine whether said payment amount exceeds a threshold value requiring an immediate payment capture for said payment capture request, or whether said payment amount permits lazy payment capture.

4. The method of claim 1, wherein said consulting a set of established rules for applying lazy payment capture to said portions of said payment amount, comprises consulting a set of established rules to determine whether a type of ordered item requires an immediate payment capture for said payment capture request or whether said type of ordered item permits lazy payment capture.

5. The method of claim 1, wherein said consulting a set of established rules for applying lazy payment capture to said portions of said payment amount, comprises consulting a set of established rules to determine whether an identity of an associated customer requires an immediate payment capture for said payment capture request or whether said identity permits lazy payment capture.

6. The method of claim 1, wherein said consulting a set of established rules for applying lazy payment capture to said portions of said payment amount, comprises consulting a set of established rules to determine whether a proposed payment type requires an immediate payment capture for said payment capture request or whether said proposed payment type permits lazy payment capture.

7. The method of claim 2, wherein said 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, comprises, deferring a request for payment capture for said payment amount from said merchant account system until said computed sum of said portions of said payment amount for which payment capture requests have been detected is equivalent to said payment amount.

8. The method of claim 2, wherein said 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, comprises, deferring a request for payment capture for said payment amount from said merchant account system until said computed remaining portion of said payment amount not yet requested for capture is equal to zero.

9. The method of claim 2, wherein said 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, further comprises, requesting an immediate capture of said computed sum when a threshold period of time elapses without said computed sum equaling said payment amount.

10. An online commerce system configured for lazy payment capture comprising:

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.

11. The online commerce system of claim 10, further comprising payment authorization logic and payment capture logic coupled to said online commerce system.

12. The online commerce system of claim 10, wherein said lazy payment capture logic comprises program code enabled to defer a request for payment capture for an authorized payment amount from said merchant account system until enough of payment capture requests for portions of said authorized payment amount have been received to account for said payment amount only if permitted by a set of established lazy payment capture rules.

13. A computer program product comprising a computer usable medium having computer usable program code for lazy payment capture, said computer program product including:

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.

14. The computer program product of claim 13, wherein said computer usable program code for detecting a plurality of payment capture requests for portions of said payment amount, further comprises computer usable program code for computing for each detected payment capture request a sum of portions of said payment amount for which payment capture requests have been detected, and further computing for each detected payment capture request a remaining portion of said payment amount not yet requested for capture.

15. The computer program product of claim 13, wherein said computer usable program code for consulting a set of established rules for applying lazy payment capture to said portions of said payment amount, comprises computer usable program code for consulting a set of established rules to determine whether said payment amount exceeds a threshold value requiring an immediate payment capture for said payment capture request, or whether said payment amount permits lazy payment capture.

16. The computer program product of claim 13, wherein said computer usable program code for consulting a set of established rules for applying lazy payment capture to said portions of said payment amount, comprises computer usable program code for consulting a set of established rules to determine whether a type of ordered item requires an immediate payment capture for said payment capture request or whether said type of ordered item permits lazy payment capture.

17. The computer program product of claim 13, wherein said computer usable program code for consulting a set of established rules for applying lazy payment capture to said portions of said payment amount, comprises computer usable program code for consulting a set of established rules to determine whether an identity of an associated customer requires an immediate payment capture for said payment capture request or whether said identity permits lazy payment capture.

18. The computer program product of claim 13, wherein said computer usable program code for consulting a set of established rules for applying lazy payment capture to said portions of said payment amount, comprises computer usable program code for consulting a set of established rules to determine whether a proposed payment type requires an immediate payment capture for said payment capture request or whether said proposed payment type permits lazy payment capture.

19. The computer program product of claim 14, wherein said 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, comprises computer usable program code for deferring a request for payment capture for said payment amount from said merchant account system until said computed sum of said portions of said payment amount for which payment capture requests have been detected is equivalent to said payment amount.

20. The computer program product of claim 14, wherein said 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, comprises computer usable program code for deferring a request for payment capture for said payment amount from said merchant account system until said computed remaining portion of said payment amount not yet requested for capture is equal to zero.

21. The computer program product of claim 14, wherein said 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, further comprises, computer usable program code for requesting an immediate capture of said computed sum when a threshold period of time elapses without said computed sum equaling said payment amount.