Patent ID: 7702582
Filing Date: 2010-04-20
Classification: G06Q

Abstract:
1. A payment system having a server apparatus, a first terminal apparatus in a purchase application, a second terminal apparatus in an installment payment organization, and a third terminal apparatus in a settlement service organization, capable of transmitting and receiving information via a communication network: wherein, the first terminal apparatus comprises: an inputting device to enable a purchaser to input desirable one of a plurality of payment plan information items each comprising a combination of both (i) a payment plan portion according to which the purchaser pays a price of a product, which the purchaser is to buy, in installments through the installment payment organization, and (ii) a payment plan portion according to which the purchaser settles a price of a service continually provided to the purchaser through the product by means of a credit card issued by the settlement service organization and owned by the purchaser, as well as to enable the purchaser to input a certain kind of personal information about the purchaser and a credit card information indicating at least a card number of the credit card; and the server apparatus comprises: a processing device to extract both (i) information relating to an item or items predetermined in an installment payment application including at least a part of the personal information and the payment plan information and (ii) information relating to an item or items predetermined in a settlement service application including at least a part of the personal information, the payment plan information and the credit card information, separately from among the information inputted via said inputting device; a first transmitting device to transmit the information relating to the item or items in the installment payment application extracted by said processing device to the second terminal apparatus via the communication network; a second transmitting device to transmit the information relating to the item or items predetermined in the settlement service application extracted by said processing device to the third terminal apparatus via the communication network; a first receiving device to receive installment payment examination result information indicating an acceptance or refusal of an installment payment transmitted via the communication network from the second terminal apparatus in response to the transmitted information relating to the item or items in the installment payment application; a second receiving device to receive settlement service examination result information indicating an acceptance or refusal of a settlement service transmitted via the communication network from the third terminal apparatus in response to the transmitted information relating to the item or items in the settlement service application; and a confirming device to confirm a payment plan indicated by the payment plan information inputted via said inputting device, on the basis of the installment payment examination result information and the settlement service examination result information received by said second receiving device.