JP2006331254A - Business-to-business settlement system - Google Patents

Abstract

An object of the present invention is to provide a settlement system for business-to-business transactions, which can save labor in management of accounts payable and accounts receivable by business companies, and can reduce cash flow.
A credit settlement system for inter-business commerce that enables payment to a payee associated with inter-business commerce by credit settlement by a payment source, transmitting means for transmitting purchase transaction data, and issuing a credit code A supplier server 2 having a receiving means for receiving a purchase price replacement payment notice for notifying the details when the company pays the payment on behalf of the payment source, and a purchase transaction from the supplier server Receiving means to receive data and payment confirmation notice to confirm that payment of this purchase price has been confirmed or approved, send payment request to request payment of payment source price, but change after sending payment request A settlement processing server 4 having a transmission means for transmitting a payment details notification to the supplier server, a receiving means for receiving a purchase price billing statement from the settlement processing server, a purchase price payment confirmation notification The company server 3 to be sent to the pre-processing server, which comprises a.
[Selection] Figure 1

Description

  The present invention relates to a settlement system for inter-company commerce transactions in which accounts payable and accounts receivable associated with business transactions between companies (BtoB) of business companies such as wholesalers and trading companies are settled by a credit card system.

  In general, business companies such as wholesalers and trading companies purchase products and parts, products, products, etc. from their suppliers and sell them to retailers and wholesalers. As a general rule, these are collected with bills or cash.

By the way, as an example of payment for personal shopping or eating and drinking at a restaurant, a payment system using a credit card (for example, see Patent Documents 1 and 2) is well known. There is no way to do that yet.
JP 2003-323576 A JP 2002-352158 A

  For this reason, each operating company has complicated accounts payable management due to various payment conditions, etc. depending on multiple suppliers, and complicated accounts receivable management due to various payment conditions, etc., depending on multiple vendors. Business is required, and this increases the cost of accounting work.

  In addition, in the case of cash payments for accounts payable, the amount of cash flow to be prepared by the due date increases, making cash flow difficult, and in the case of bill settlement, there is a risk of bill handling accidents and negligence .

  The present invention has been made in consideration of such circumstances, and the purpose of the present invention is to save labor for management of accounts payable and accounts receivable by operating companies, and to reduce the cash flow between companies. The purpose is to provide a payment system.

  The invention according to claim 1 is a credit settlement system for inter-company commerce that enables payment to a payee associated with inter-business commerce by credit settlement by a payment source, when credit settlement is performed by the payment source. Credit settlement code, input means for inputting transaction data including at least the amount of money and a payee, transmission means for transmitting the transaction data input to the input means, credit code for issuing the credit settlement code to the payment source Receiving means for receiving a reimbursement details notification for notifying the details for reimbursement on behalf of the payment source by using an amount obtained by subtracting the administrative fee of the credit code issuance company from the price. Pay the payment by the payee server, the transaction data from this payee server, and the payment source A receiving means for receiving a payment confirmation notice for notifying that the payment is to be accepted; after receiving the transaction data by the receiving means, a payment request for charging the payment to the payment source is transmitted, while A payment processing server comprising a transmission means for transmitting the advance payment details notification to the payee server after transmission of the data, a receiving means for receiving the payment request details from the payment processing server, and the reception means received by the receiving means. A payment system for inter-company commerce, comprising: a payment source server that transmits a purchase price payment confirmation notification to the payment processing server.

  The invention according to claim 2 is such that the payment processing server creates at least the payment request details based on the transaction data received by the receiving means, and sends the payment means to the payment source server by the sending means, The settlement system for inter-business transactions according to claim 1, comprising:

  The invention according to claim 3 is a settlement system for inter-company commerce transactions that enables credit settlement between accounts receivable and accounts payable of a business company that sells products purchased from a supplier to the seller, The credit settlement code, the purchase price, and the purchase price when the purchase price when the business company purchases the product from the supplier is credited by the credit settlement code of this business company. An input means for inputting purchase transaction data including at least a payee, a transmission means for transmitting the purchase transaction data input to the input means, and a credit code issuing company that has issued the credit settlement code to the supplier For reimbursement on behalf of the operating company as the purchase price the amount obtained by subtracting the administrative fee of the credit code issuing company from the purchase price A vendor server provided with a receiving means for receiving a purchase price replacement payment notice for notifying details, and a sales price when the business company sells a product to the seller. Input means for inputting sales transaction data including at least the credit settlement code, the sales price and the sales destination when the credit settlement code of the sales destination is used, and transmission for transmitting the sales transaction data input to the input means Means, a purchase price request for requesting payment of the purchase price, an offset notice for notifying the offset of the purchase price and the sales price, and the credit settlement code issuing company An operating company server provided with a receiving means for receiving an offset payment details notification for notifying details for paying to the customer, and the sales fee Receiving means for receiving the payment request, a sales destination server provided with a transmission means for sending a sales price payment confirmation notification notifying that the sales destination has confirmed the payment of the sales price, and the supplier server from the supplier server Receiving means for receiving purchase transaction data, the sales transaction data from the operating company server, and the sales price payment confirmation notification from the sales server, the purchase price of the purchase transaction data received by the receiving means and the sales An offset amount calculating means for calculating an offset amount with the sales price of transaction data at the time of offsetting, an offset for notifying details of the offset amount calculated by the offset amount calculating means to be paid by the credit code issuing company to the operating company A settlement processing server having a transmission means for transmitting the payment details to the business company server and transmitting the sales price request to the sales destination server. This is a settlement system for business transactions between companies.

  The invention according to claim 4 is a notification in which the payment processing server creates at least the purchase price billing details based on the purchase transaction data received by the receiving means, and transmits the details to the supplier server by the transmitting means. The settlement system for inter-business commerce according to claim 3, further comprising:

  According to the invention according to claim 1, since the payment source that is the purchaser of the product and has a debt to pay the purchase price can pay the payment of the product purchase price or the like by credit, In addition to saving labor in bill payments, cash management and cash and bill management can be reduced.

  In addition, the payment source confirms (accepts) the payment for the purchase price after confirming the purchase price request details from the payee, thus preventing fictitious bills and fraudulent charges from the payee. be able to.

  On the other hand, at the payee (payment side) that receives payment of the purchase price from the merchandise sales side, etc., the sales price is credit-set, so the sales price can be collected by reimbursement by the credit settlement code issuing company. it can. For this reason, it is possible to reduce the billing and collection of payments to the payment source, and the payment work. Furthermore, since the payment price (sales price) is paid early (recovered) by the card company before the payment due date, the burden of cash flow is reduced.

  Hereinafter, embodiments of the present invention will be described with reference to the accompanying drawings.

  FIG. 1 is a block diagram showing a system configuration of a settlement system 1 for business-to-business transactions according to the first embodiment of the present invention.

  As shown in FIG. 1, a settlement system 1 for inter-company commerce is a system for performing credit settlement of accounts payable of a business company such as a trading company from a single or a plurality of merchandise suppliers, and is installed in each of a plurality of suppliers. Supplier server 2 which is a payee server, a business company which is a payer server installed in a business company such as a wholesale company or a trading company which purchases goods from this supplier and sells them to a seller etc. (not shown) The server 3 includes a payment processing server 4 installed in a card company (credit card (code) issuing company).

  The inter-company commerce settlement system 1 connects the supplier server 2, the business company server 3 and the settlement processing server 4 so that two-way data communication is possible via a public telecommunication line such as a dedicated telecommunication line or the Internet. is doing.

  The card company issues an ID number (credit code) of the credit card A for purchasing products to the business company in advance. Note that the card company may issue not only the credit card ID number but also the credit card A. This card A consists of an IC (integrated circuit) type, a magnetic stripe type, etc., an ID (IDentification) number of the card company, an ID number for the business company of the supplier and the business company (card holder), a card expiration date, Data necessary for credit card payment such as credit limit is recorded.

  The supplier server 2 and the business company server 3 send and receive means for two-way data communication with the payment processing server 4 of the card company via the telecommunication line, purchase price payment confirmation notification, etc. It is provided with means for creating notifications and the like for creating various invoices and notifications such as the above-mentioned notifications when data necessary for the creation of these is input.

  Further, the supplier server 2 includes an input means for inputting the ID number of the business company credit card A as card settlement information. The business company server 3 looks at the details of the product purchase price when the business company purchases the product from the supplier, confirms the payment of the purchase price, and notifies that it has been accepted (purchase price payment confirmation An input means for inputting information necessary for notification) is provided.

  The payment processing server 4 of the card company requires transmission means and reception means for two-way data communication between the supplier server 2 and the business company server 3 via the telecommunication line, and the business company requires from the supplier. When the product purchase price at the time of purchase of the product is credited by the ID number of the credit card A for business companies, the purchase price reimbursement notice will be sent by subtracting the card company's administrative fee from the product purchase price Payment processing means to be created, various invoices and notices, such as notices to be created when data necessary for the creation is input, customer information database (DB) 4a and transaction database (DB) 4b It has.

  In the customer information database 4a, a credit card company conducts a credit investigation beforehand, and a business company such as a trading company, a supplier, a sales company, etc., which have approved credit settlement, and information necessary for credit settlement of these companies are assigned to their ID numbers. Accumulate in association with. The transaction database 4b is a database that accumulates information related to transactions between business companies, suppliers, and sales partners.

  Next, the operation of the settlement system 1 for inter-business commerce will be described.

  First, in advance, the card company issues an ID number of the credit card for the business company to the business company. After that, in (1), the business company such as a trading company purchases goods from one or more required suppliers. . In the next step (2), the business company makes a credit settlement with the ID number of the credit card A for the business company when purchasing the product. This credit settlement includes the ID number of the credit card A for the business company, as well as the purchase transaction data necessary for credit settlement, such as the ID number for specifying the supplier, product purchase price, product name, and transaction quantity. 2 is input by the input means such as the keyboard. This purchase transaction data is “purchase” when viewed from the business company, and sales transaction data when viewed from the supplier.

  (3) When the purchase transaction data is input to the supplier server 2, the purchase transaction data is transmitted to the payment processing server 4 of the card company via the telecommunication line by the transmission means of the supplier server 2. Is done.

  When the payment transaction server 4 receives the purchase transaction data by the receiving means, the purchase transaction data is recorded in the transaction database 4b, while the business company and the customer related to the supplier in the purchase supplier data are recorded. Information is searched from the customer information database 4a, and it is confirmed that it is a business partner (customer) of the card company.

  (4) Next, based on the received purchase transaction data, the settlement processing server 4 purchases a necessary amount for billing the business company for payment of the product purchase price such as the amount of the product purchase price. A notice of the details of the payment request is created by the notice creation means and transmitted to the operating company server 3 by the sending means.

  (5) The operating company sees the details of the purchase price request, confirms that the request details are correct, confirms that the purchase price has been paid by the operating company, and confirms that the payment has been approved. When information related to the purchase price payment confirmation for notifying the company is input to the business company server 3 by the input means, a purchase price payment confirmation notice is created by the notification form etc. of the business company server 3 The data is transmitted to the payment processing server 4 of the card company by the transmission means. As a result, the accounts payable to the supplier of the business company is settled, and at the same time, the card company is given approval for the advance payment. The purchase price is executed by the operating company by the required payment date after the purchase price payment confirmation notice.

  (6) After this, the card company confirms receipt of the purchase price payment confirmation notice, and then transfers the purchase price to the payment account of the financial institution on behalf of the business company before the due date, Details (scheduled purchase price advance details notification) scheduled to be paid in advance are transmitted from the settlement processing server 4 to the supplier server 2. This advance payment is the amount obtained by subtracting the card company's administrative fee from the purchase price.

  That is, when the details information of the purchase price advance payment is input to the payment processing server 4 in the notification form creation state, the notice fee creation means subtracts the card company's administrative fee from the purchase price, By calculating the amount, a purchase price replacement notice is created and transmitted to the supplier server 2 by the transmission means to notify the details of the advance payment. This purchase price advance payment detail notification may be executed by a WEB inquiry of the settlement processing server 4. The advance payment by the card company is executed on the execution date notified in the advance details.

  Therefore, according to the settlement system 1 for inter-business commerce, accounts payable by a business company for a supplier can be easily and quickly and reliably obtained from the ID number of the business company credit card A without using a credit card issued by the card company. Can be settled.

  For this reason, since cash and bills are not used, the operating company will save labor in purchasing payments, simplify cash and bill management, and prevent various accidents associated with the handling of cash and bills. be able to.

  Further, on the supplier side, the receivables for the business company are paid in advance by the card company, so the risk of credit loss is passed on to the card company. For this reason, the risk of accounts receivable can be avoided or reduced on the supplier side.

  Furthermore, since the business company server 3 receives the purchase transaction data of the product purchased from the supplier as a purchase price request, the business company can confirm whether or not there is a transaction with the supplier. For this reason, it is possible to prevent fictitious bills and fraudulent bills from suppliers.

  In addition, since the card company's administrative fee is deducted from the purchase price paid in advance from the card company to the supplier, the certainty of collection of the card company's administrative fee can be improved.

  Furthermore, since the sales price is paid (collected) early by the card company before the payment date, the burden of cash flow is reduced.

  FIG. 2 is a block diagram showing a system configuration of a settlement system 1A for business-to-business transactions according to the second embodiment of the present invention.

  As shown in FIG. 2, this inter-company commerce settlement system 1A, when the business company sells a product purchased from a single or a plurality of suppliers, as described above, to a single or a plurality of product sales destinations. In addition, the sales destination is a system for credit settlement of the accounts receivable of the business company by the ID number of the credit card B for sales. The sales destination server 5, the business company server 3x, and the settlement processing server 4x are not shown in a dedicated telecommunication line or the like. Two-way data communication is possible via a public telecommunication line such as the Internet.

  In this intercompany commerce settlement system 1A, since a business company sells products purchased from the above suppliers to a retailer such as a retail store, and the business company collects the sales price as accounts receivable, Similar to the above supplier, it corresponds to a payee who has accounts receivable, and the seller corresponds to a payer who has an obligation to pay for goods purchased from a business company.

  Therefore, the business company server 3x corresponds to the payee server 2 and has the same function as the supplier server 2 shown in FIG. That is, the operating company server 3x has a sales transaction data input means, a notice creation means for creating sales transaction data input to the input means, and a settlement processing server for the sales transaction data created by the notice creation means. 4x, a transmission means for transmitting to 4x, and a reception means for receiving a sales price replacement notice.

  Further, since the sales destination server 5 corresponds to the payment source server, it has the same function as the business company server 3 shown in FIG. That is, the sales destination server 5 receives a sales price request for receiving the sales price request details from the settlement processing server 4 and a sales price payment for notifying that the payment of the sales price request details received by the receiving means has been confirmed (accepted). A notice creation means for creating a confirmation notice, and a sending means for sending the sales price payment confirmation notice created by the notice creation means to the payment processing server 4x of the card company are provided.

  Next, the operation of the settlement system 1A for business-to-business transactions will be described.

  First, the ID number of the credit card B for the seller is issued in advance from the credit company to the seller such as a retail store.

  (1A) Next, merchandise purchased from a required number of suppliers by a business company such as a trading company is sold to the required number of suppliers.

  (2A) At this time, the seller pays the product purchase price by credit using the ID number of the credit card B for seller. In this credit settlement, along with the ID number of the credit card B for the seller, the business company stores the sales transaction data necessary for the credit settlement such as the ID number for identifying the business company of the seller, the product sales price, the transaction date, the product name, and the transaction quantity. It is executed by being input to the server 3x by an input means such as a keyboard. The sales transaction data is “sales” transaction data as viewed from the business company, and is purchase transaction data as viewed from the sales destination.

  (3A) Next, when the sales transaction data is input to the business company server 3x, the sales transaction data is transmitted to the payment processing server 4x of the card company via the telecommunication line by the transmission means of the business company server 3x. The

  When the settlement processing server 4 receives the sales transaction data by the receiving means, the sales transaction data is recorded in the transaction database 4b, while the ID number of the credit card B for the sales destination in the sales transaction data and the processing are recorded. The customer information database 4a is searched for customer information regarding the business company and the sales company based on the ID number of the customer, and it is confirmed that the customer is the customer (customer) of the credit card issuing company.

  (4A) Next, the settlement processing server 4x generates a detailed notice of the sales price payment request necessary for requesting the payment of the sales price based on the received sales transaction data. Is transmitted to the sales destination server 5.

  (5A) The seller sees this sales price billing details notice, confirms that the billing details are correct, confirms the details of the sales price, and informs the card company that the customer has approved the payment. When the information related to the confirmation of the sales price payment is input to the sales destination server 5, the sales price payment confirmation notification is created by the notification form etc. of the sales destination server 5, and the settlement processing server of the card company is sent by the transmission means To 4x.

  As a result, the accounts receivable to the business company's customers are settled, and at the same time, the card company is given an approval for the advance payment. Note that the sales price is executed by the seller by the required payment date after the sales price payment confirmation notification.

  (6A) After this, after confirming the receipt of the sales price payment confirmation notice, the card company sells the sales price on behalf of the sales company by the transfer to the payment account etc. of the financial institution of the operating company before the due date. Details (sale price advance payment details notification) scheduled to be executed for the advance payment of the price are transmitted from the settlement processing server 4x to the operating company server 3x. This advance payment is the amount obtained by subtracting the card company's administrative fee from the sales price.

  That is, when the detailed information on the advance payment for the sales price is input to the notice creation means of the settlement processing server 4x, the notice payment creation means subtracts the card company's administrative fee from the sales price and calculates the advance payment amount. As a result, the sales price replacement payment details notice is created and transmitted to the operating company server 3x by the transmitting means. This sales price advance payment confirmation notification may be executed by a WEB inquiry of the settlement processing server 4.

  Therefore, according to the settlement system 1A for inter-business commerce, it is possible to easily and quickly and reliably settle the accounts receivable of the business company to the seller by using the sales company ID number without using the credit card issued by the card company. .

  For this reason, since cash and bills are not used, the sales side must save labor for payment of sales fees, simplify the management of cash and bills, and prevent various accidents associated with the handling of cash and bills. Can do.

  On the business company side, the receivables for the customers are paid in advance by the card company, so the risk of credit loss is passed on to the card company. For this reason, the risk of accounts receivable can be avoided or reduced on the business company side.

  Furthermore, since the sales destination server 5 receives the purchase transaction data of the products purchased from the business company as a sales price request, the sales destination side can confirm whether or not there is a transaction with the business company. For this reason, fictitious bills and fraudulent bills from business companies can be prevented.

  In addition, since the card company's administrative fee is deducted from the sales price paid in advance from the card company to the business company, the certainty of the card company's administrative fee can be improved.

  FIG. 3 is a block diagram showing a system configuration of a settlement system 1B for business-to-business transactions according to the third embodiment of the present invention.

  The inter-company commerce settlement system 1B is a combination of the inter-company commerce settlement system 1 shown in FIG. 1 and the inter-company commerce settlement system 1A shown in FIG. Settlement of accounts payable to the business company using the ID number of the credit card A for the business company, and settlement of trade accounts receivable to the merchandise sales company of the business company using the ID number of the credit card B for the business company. This is a system for offsetting the price and the accounts receivable.

  That is, this inter-company transaction settlement system 1B includes a plurality of supplier servers 12, 12,..., A plurality of business company servers 13, 13,..., A settlement processing server 14, a plurality of sales destination servers 15, 15,. Are connected to each other via a public telecommunication line such as a dedicated or Internet. Therefore, these servers 12 to 15 are provided with transmission means and reception means for transmitting and receiving various data.

  Each supplier server 12 is installed at a product supplier of a business company in the same manner as the supplier server 2 shown in FIG. 1 and has the same functions and means as the supplier server 2.

  Each business company server 13 has the functions and means of both the business company server 3 shown in FIG. 1 and the business company server 3x shown in FIG. Receiving means for receiving is provided.

  Each sales destination server 15 is installed at the merchandise sales destination of the business company similarly to the sales destination server 5 shown in FIG. 2 and has the same functions and means as the sales destination server 5.

  Further, the settlement processing server 14 has the functions and means of both the settlement processing servers 4 and 4x shown in FIGS. 1 and 2, respectively, as well as the accounts payable (debt) for the business company suppliers and the sales company. Accounts receivable (receivables) are offset at the appropriate offset when these prices are finalized, and the offsetting payment details notification indicating the details for the card company to pay the operating company is sent to the operating company server 13 The transmission means for transmitting to. This offset amount payment details notification is a notification for notifying that the details of the payment schedule, such as the payment date and payee for the card company to pay the offset amount, to the business company.

  Next, the operation of the settlement system 1B for business-to-business transactions will be described.

  First, in (1B), the operating company purchases the product from the supplier, and in the next (2B), the operating company credits the purchase price of the product with the ID number of the credit card A for the operating company. Settlement. This credit settlement is performed by inputting purchase transaction data necessary for credit settlement such as the ID number of the credit card A for the business company to the supplier server 12.

  (3B) When the purchase transaction data is input to the supplier server 12, the purchase transaction data is transmitted to the payment processing server 14 of the card company via the telecommunication line by the transmission means of the supplier server 12. Is done.

  When the payment processing server 14 receives the purchase transaction data by the receiving means, the purchase transaction data is recorded in the transaction database 4b, and the purchase price is stored until the appropriate time for offsetting. The customer information related to the business company and the supplier in the destination data is searched from the customer information database 4a, and it is confirmed that it is a customer (customer) of the credit card issuing company.

  (4B) Next, the settlement processing server 14 gives the purchase price indicated by the received purchase transaction data to the operating company, the amount of the product purchase price, the account of a financial institution such as a bank to which the payment is transferred, and the like. Details of purchase price payment required for requesting payment of the purchase price of the product are created as purchase price billing details by the notice creation means and transmitted to the operating company server 13 by the sending means.

  (5B) The business company sees the purchase price billing details notice and confirms whether the billing contents are correct. After it is determined that the details of the charge are correct, the details of the purchase price request are confirmed by the operating company, and the purchase price payment confirmation notification is sent to the operating company to notify the card company that the payment has been approved. It is created by the server 13 and transmitted to the settlement processing server 14.

  (6B) Thereafter, after confirming receipt of the purchase price payment confirmation notice, the card company creates an advance payment details notice for paying the supplier an amount obtained by subtracting the card company's administrative fee from the purchase price. . In other words, the payment processing server 14 uses the notification form creation means to transfer the purchase price to the payment account of the financial institution of the supplier on behalf of the business company before the payment date, Create a purchase price advanced payment details notification indicating the payment date for executing the advanced payment and the details of the payment schedule. At the time of the creation, the notice creation means calculates the amount obtained by subtracting the handling fee of the card company from the purchase price as the advance payment. The purchase price replacement notice thus created is transmitted to the supplier server 12 by the transmission means. The purchase price advance payment details notification may be executed by a WEB inquiry of the settlement processing server 14.

  Next, in (7B), the required number of products purchased from the supplier by a business company such as a trading company is sold to the required number of sellers.

  Thereafter, in (8B), the seller pays the purchase price with the ID number of the credit card B for seller. In this credit settlement, along with the ID number of the credit card B for the seller, the business company stores the sales transaction data necessary for the credit settlement such as the ID number for identifying the business company of the seller, the product sales price, the transaction date, the product name, and the transaction quantity. Input to the server 13 by input means such as a keyboard.

  (9B) When the sales transaction data is input to the business company server 13, the sales transaction data is transmitted to the payment processing server 14 of the card company via the telecommunication line by the transmission means of the business company server 13.

  When the settlement processing server 14 receives the sales transaction data by the receiving means, the sales transaction data is recorded in the transaction database 4b, while the ID number of the credit card B for the sales destination in the sales transaction data and the processing are recorded. The customer information database 4a is searched for customer information regarding the business company and the sales company based on the ID number of the customer, and it is confirmed that the customer is the customer (customer) of the credit card issuing company.

  (10B) Next, based on the received sales transaction data, the settlement processing server 14 sells necessary for charging the merchandise sales price, such as the sales price, sales date, sales destination, etc. The billing billing details are created as a sales billing billing notification by the bill creation means and transmitted to the sales company server 15 by the sending means.

  (11B) After this, the seller confirms the sales price billing details and approves the payment of the sales price, and then the sales price payment confirmation notice is created and transmitted by the notification form creation means of the sales destination server 15. The information is transmitted to the payment processing server 14 of the card company.

  (12B) When the card company confirms the receipt of this sales price payment confirmation notice, the card company determines that the sales price has been finalized and that it has reached an offset property that can be offset with the purchase price already determined. To do. For this purpose, when the settlement processing server 14 receives the sales price payment confirmation notification by the receiving means (at the time of offsetting suitability), the settlement processing server 14 and the purchase transaction data received from the supplier server 12 An offset amount with the purchase amount is calculated by the offset amount processing means, and an offset amount payment details notification indicating details for the card company to pay the offset amount to the operating company is created, and the operating company server 13 is transmitted by the transmitting means. To send to. Transmission of the offset payment details notification to the business company server 13 is performed each time offsetting is performed, but the offset amount may be totaled and transmitted every predetermined period. After this, the offset payment is made by the card company. As a result, the accounts payable of the sales partner of the operating company is settled.

  Therefore, according to the business transaction settlement system 1B, the accounts payable to the business company supplier can be easily and quickly credit-paid using the ID number of the business company credit card A.

  In addition, it is possible to make a quick and easy credit settlement with the ID number of the credit card B for the sales partner for the sales amount of the business company.

  For this reason, it is possible to reduce the settlement of accounts payable and accounts receivable of operating companies, that is, a series of accounting operations from payment of accounts payable to collection of accounts receivable.

  Further, in the settlement system 1B for business-to-business transactions, the accounts payable and the accounts receivable of the business company are offset by the processing server 14 of the card company, so the business company has an account receivable larger than the accounts payable (accounts receivable) > Accounts payable), if you can purchase goods from the payee without using any cash or bills, and the operating company can sell the purchased goods to the seller at a higher selling price than the purchase price. Only the gross profit that is the difference between the purchase price and the selling price can be received as an offset amount. For this reason, the cash flow of the operating company can be reduced.

  In addition, since the accounts receivable is collected from the card company, the business company can avoid the risk of credit loss.

  On the other hand, on the supplier side, since the accounts receivable is collected from the card company, the risk of bankruptcy can be avoided. Further, on the supplier side, the accounts receivable can be collected from the card company before the due date, and early funding is possible, so that the purchase cost can be reduced.

  On the other hand, since the accounts payable can also be settled by credit at the seller, the management of cash and bills is reduced compared to the payment by cash and bills, and the labor of the current and bill payments is reduced. Can do.

  In each of the above embodiments, purchase transaction data is directly transmitted from the supplier servers 2 and 12 to the settlement processing servers 4 and 14, or sales transaction data is transmitted from the business company servers 3x and 13 to the settlement processing servers 4x and 14x. Although directly transmitted, these purchase / sales transaction data may be transferred once to a sales information totaling processing center for totaling sales information and then transferred to a settlement processing server.

  According to this, it is possible to prevent the purchase / sales transaction data from being monopolized only by the transaction database 4b of the payment processing server 4, 4x, 14 of the card company, and thus improve the fairness of the transaction data. Can do.

The block diagram which shows the structure and effect | action of the settlement system of the business-to-business transaction which concerns on the 1st Embodiment of this invention. The block diagram which shows the structure and effect | action of the settlement system of the business-to-business transaction which concerns on the 2nd Embodiment of this invention. The block diagram which shows the structure and effect | action of the settlement system of the business transaction between companies which concern on the 3rd Embodiment of this invention.

Explanation of symbols

1,1A, 1B Business-to-business settlement system 2,12 Supplier server 3,3x, 13 Business company server 4,4x, 14 Payment processing server 4a Customer information database 4b Transaction database 5,15 Sales server

Claims (4)

A credit settlement system for business-to-business commerce that enables payment to a payee associated with business-to-business by credit settlement by a payment source,
Input means for inputting transaction data including at least the credit settlement code when the payment is made by the payment source, the amount of money and the payee, a transmission means for transmitting the transaction data input to the input means, to the payment source Replacement payment details in which the credit code issuing company that issued the credit settlement code notifies the details for making a replacement payment on behalf of the payment source by subtracting the administrative fee of the credit code issuing company from the price. A payee server with receiving means for receiving notifications;
Receiving means for receiving the transaction data from the payee server and a payment confirmation notice for notifying that the payment of the price by the payment source is confirmed. After receiving the transaction data by the receiving means, the payment is received as the payment. A settlement processing server having a transmission means for transmitting the payment request details to the payment destination server after transmitting the payment request details originally charged,
A receiving means for receiving the payment request details from the payment processing server, a payment source server for transmitting the purchase price payment confirmation notice received by the receiving means to the payment processing server;
A settlement system for business transactions between companies. The settlement processing server creates at least the payment request based on the transaction data received by the receiving means, and a notification etc. creating means for sending to the payment source server by the sending means,
The settlement system for inter-business transactions according to claim 1, comprising: A settlement system for inter-company commerce transactions that enables credit settlement between accounts receivable and accounts payable of business companies that sell products purchased from vendors,
The credit settlement code and purchase price when the purchase price when the business company purchases goods from the supplier is credited by the credit settlement code of this business company. And input means for inputting purchase transaction data including at least a payment destination, transmission means for transmitting the purchase transaction data input to the input means, and a credit code issuing company that has issued the credit settlement code to the supplier Receives a purchase price reimbursement details notice for notifying the details for reimbursement on behalf of the operating company as a purchase price by subtracting the administrative fee of the credit code issuing company from the purchase price A supplier server with receiving means;
At least the credit settlement code, the sales price, and the sales destination when the business price is set by the business company and the sales price when the business company sells the product to the sales destination is credited by the credit settlement code of the sales destination. Input means for inputting sales transaction data including, transmission means for transmitting the sales transaction data input to the input means, details of a purchase price request for payment of the purchase price, the purchase price and the sales A business company server provided with a receiving means for receiving an offset amount notification for notifying the offset amount with the price, and an offset payment details notification for notifying the details for the credit settlement code issuing company to pay the offset amount to the business company; ,
A sales unit installed at the sales destination and receiving a payment request for the sales price, and a transmission means for transmitting a sales price payment confirmation notification notifying that the sales destination has confirmed the payment of the sales price. Server,
Receiving means for receiving the purchase transaction data from the supplier server, the sales transaction data from the business company server, and the sales price payment confirmation notification from the sales server, the purchase transaction received by the receiving means An offset amount calculating means for calculating an offset amount between the purchase price of data and the sales price of the sales transaction data at the time of offsetting, and the credit code issuing company uses the offset amount calculated by the offset amount calculating means as the business. A settlement processing server comprising a transmission means for transmitting an offset amount payment statement for notifying the details to be paid to the company to the business company server, and transmitting the sales price request to the sales destination server;
A settlement system for business transactions between companies. The settlement processing server creates at least the purchase price bill based on the purchase transaction data received by the receiving means, and a notification etc. creating means for sending to the supplier server by the transmitting means,
4. The settlement system for business-to-business transactions according to claim 3, further comprising:

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