Dutch account settlement method
AssigneeHitachi, Ltd.
InventorsYoshitaka Nakata, Yoshitsugu Morooka
Life of this patent
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Abstract
After a card user pays money for a value of services by using the card, it often occurs that a third party pays a fraction or the whole of the money paid by the card user. A conventional card settlement is insufficient for this purpose. To solve this, when money is paid to a service provider, the money is paid by using a credit card of a representative, and thereafter a server computer of a settler including a credit card company presents information necessary for a Dutch account payment process to a Dutch account payer via a network.
Claims18
A Dutch account settlement method which uses a settler apparatus used by a settler and connected via a network to a representative apparatus used by a representative of a Dutch account and an affiliated shop apparatus used by an affiliated shop providing services to execute a Dutch account process for the services received by a plurality of service beneficiaries, wherein:
- said settler apparatus
- receives settlement request information received by said affiliated shop apparatus from said affiliated shop apparatus, said settlement request information corresponding to a payment process for a value of the services and supplied from the representative of the plurality of service beneficiaries, and said settlement request information including representative identification information for identifying the representative and the value of the services;
- judges from said settlement request information and information stored beforehand whether a transaction to be settled by using said settlement request information is to be subjected to a Dutch account process of paying the value by the plurality of service beneficiaries;
- if it is judged that the transaction is to be subjected to the Dutch account process, presents transaction identification information for identifying the transaction to the representative apparatus;
- and
- executes a settlement process for a money amount determined by the Dutch account process and to be paid by each of a plurality of payers, the settlement process being executed by using said presented transaction identification information in accordance with an input from each of the plurality of payers.
A settlement processing apparatus to be used by a settler and connected via a network to a representative apparatus used by a representative of a Dutch account and an affiliated shop apparatus used by an affiliated shop providing services, comprising:
- means for receiving settlement request information received by said affiliated shop apparatus from said affiliated shop apparatus, said settlement request information corresponding to a payment process for a value of the services and supplied from the representative of the plurality of service beneficiaries, and said settlement request information including representative identification information for identifying the representative and the value of the services;
- means for judging from said settlement request information and information stored beforehand whether a transaction to be settled by using said settlement request information is to be subjected to a Dutch account process of paying the value by the plurality of service beneficiaries;
- means for presenting transaction identification information for identifying the transaction to the representative apparatus, if it is judged that the transaction is to be subjected to the Dutch account process;
- and
- means for executing a settlement process for a money amount determined by the Dutch account process and to be paid by each of a plurality of payers, the settlement process being executed by using said presented transaction identification information in accordance with an input from each of the plurality of payers.
A settlement processing apparatus to be used by a settler and connected via a network to a representative apparatus used by a representative of a Dutch account and an affiliated shop apparatus used by an affiliated shop providing services, comprising:
- a connection apparatus connectable to the network for receiving settlement request information received by said affiliated shop apparatus from said affiliated shop apparatus, said settlement request information corresponding to a payment process for a value of the services and supplied from the representative of the plurality of service beneficiaries, and said settlement request information including representative identification information for identifying the representative and the value of the services;
- a storage device for storing a program;
- and
- a processor connected to said connection apparatus and said storage device for judging from said settlement request information and information stored beforehand whether a transaction to be settled by using said settlement request information is to be subjected to a Dutch account process of paying the value by the plurality of service beneficiaries, for presenting transaction identification information for identifying the transaction to the representative apparatus, if it is judged that the transaction is to be subjected to the Dutch account process and for executing a settlement process for a money amount determined by the Dutch account process and to be paid by each of a plurality of payers, the settlement process being executed by using said presented transaction identification information in accordance with an input from each of the plurality of payers.
Dependencies are inferred from the claim text.