Assisting in Bill Split Payment
AssigneeInternational Business Machines Corporation
InventorsYoriko Ohnishi, Masami Tada
Life of this patent
Estimating the term…
Abstract
When a split amount decided by a representative splitting, in a representative terminal, a total amount transmitted from a store terminal is notified from each member terminal to a credit company server as a payment amount, the credit company server holds information for payment settlement, and transmits payment permission information including encrypted information generated by encrypting the information for payment settlement, to each member terminal. Each member terminal transmits payment permission information of the same contents as the payment permission information to the representative terminal. The representative terminal transmits payment permission information obtained by concatenating the payment permission information, to the store terminal.
Claims21
A system for assisting in bill split payment, the system comprising:
- a processor;
- and
- a memory coupled to the processor, wherein the memory comprises instructions which, when executed by the processor, cause the processor to:
- receive, by a representative computer used by a representative of a group including a plurality of payers, total amount charge information from a payee computer used by a payee, wherein the total amount charge information includes a total payment amount to be paid to the payee;
- transmit, by the representative computer, first amount information including a first payment amount decided by the representative for each of the plurality of payers to a plurality of a payer computers used respectively by the plurality of payers;
- receive, by the representative computer, second amount information transmitted from each of the plurality of payer computers, wherein the second amount information includes a second payment amount and an accept code indicating acceptance of payment of the second payment amount by a settlement computer;
- responsive to determining the representative computer has received the second amount information from all of the plurality of payer computers, concatenate, by the representative computer, the second amount information from the plurality of payer computers to form third amount information including a third payment amount that is calculated based on the second payment amount received from the plurality of payer computers;
- and
- transmit, by representative computer, the third amount information to the payee computer.
A method for assisting in bill split payment by a representative computer used by a representative of a group including a plurality of payers, the method comprising:
- receiving, by the representative computer, totally amount charge information from a payee computer used by a payee, wherein the total amount charge information includes a total payment amount to be paid to the payee;
- transmitting, by the representative computer, first amount information including a first payment amount decided by the representative for each of the plurality of payers to a plurality of payer computers used respectively by the plurality of payers;
- receiving, by the representative computer, second amount information transmitted from each of the plurality of payer computers, wherein the second amount information includes a second payment amount and an accept code indicating acceptance of payment of the second payment amount by a settlement computer;
- responsive to determining the representative computer has received the second amount information from all of the plurality of payer computers, concatenating, by the representative computer, the second amount information from the plurality of payer computers to for third amount information including a third payment amount that is calculated on the second payment amount received from the plurality of payer computers;
- and
- transmitting, by the representative computer.
7-9. (canceled)
A computer program product comprising a computer readable storage medium having a computer readable program stored therein, wherein the computer readable program, when executed on a computing device, causes the computing device to:
- receive, by a representative computer used by a representative of a group including a plurality of payers, total amount charge information from a payee computer used by a payee, wherein the totall amount charge information includes a total payment amount to be paid to the payee;
- transmit, by the representative computer, first amount information including a first payment amount decided by the representative for each of the plurality of payers to a plurality of payer computers used respectively by the plurality of payers;
- receiving, by the representative computer, second amount information from each of the plurality of payer computers, wherein the second amount information includes a second payment amount and an accept code indicating acceptance of payment of the second payment amount by a settlement computer;
- responsive to determining the representative computer has received the second amount information from all of the plurality of payer computers, concatenating, by the representative computer, the second amount information from the plurality of payer computers to form third amount information including a third payment amount that is calculated based on the second payment amount received from the of payer computers;
- and
- transmitting, by the representative computer, the third amount information to the payee computer.
Dependencies are inferred from the claim text.