Method and system for on-line communication based on an off-line transaction
AssigneeRicoh Company, Ltd.
InventorHiroaki Ishizuka
Life of this patent
Estimating the term…
Abstract
A method and system for communicating the approval of a purchase, and also billing for the purchase. Information related to the financial situation of a customer which was obtained from an off-line transaction is stored. Subsequently, a customer desires to enter into an on-line purchase. The previous information obtained from the off-line transaction is utilized to approve of a credit purchase by the customer. In response to such approval, the order may be shipped and subsequently, or simultaneously, an electronic or other bill or receipt is sent.
Claims46
A method of communicating, comprising the steps of:
- storing a customer's financial information in a supplier computer system based on an off-line transaction between a customer and a supplier;
- beginning an on-line purchase by the customer with the supplier and communicating to a server computer by the customer;
- determining that the customer is an acceptable credit risk for the on-line purchase using the customer's financial information in the supplier computer system and which is based on the off-line transaction;
- communicating to the customer that the on-line purchase has been approved, after said determining step determines that the customer is an acceptable credit risk.
A system for communicating, comprising:
- means for storing a customer's financial information in a supplier computer system based on an off-line transaction between a customer and a supplier;
- means for beginning an on-line purchase by the customer with the supplier and communicating to a server computer by the customer;
- means for determining that the customer is an acceptable credit risk for the on-line purchase using the customer's financial information in the supplier computer system and which is based on the off-line transaction;
- and
- means for communicating to the customer that the on-line purchase has been approved, after means for determining determines that the customer is an acceptable credit risk.
Dependencies are inferred from the claim text.