JP7308915B1 - Settlement agent system for electronically recorded monetary claims - Google Patents

Abstract

A settlement agent system for electronically recorded monetary claims is provided. SOLUTION: A first computer device receives a payment request message containing at least a payment amount from a second computer device, and the second computer device treats a payment agency as a debtor and a settlement agency business as a debtor. As a creditor, a request is made for an occurrence record of an electronically recorded claim in which the settlement price is set as the credit amount, and the first computer device sets the settlement price as the deposit amount and sets the bank account specified by the receiving business as the designated account. The first payment data is transmitted, and the second computer device transmits the second payment data in which the amount of the credit is set as the payment amount and the bank account specified by the settlement agency business operator is set as the designated account. [Selection drawing] Fig. 5

Description

TECHNICAL FIELD The present disclosure relates to a settlement agent system, and more particularly to a settlement agent system that manages credit risk avoidance for debtors and credit settlement that enables creditors to raise funds early.

A product manufacturer (purchasing company) may purchase parts (merchandise) from a parts manufacturer (sales company). In such cases, the purchasing company needs to pay the selling company for the delivered goods. For payment, it is common to use cash transfer, bills payable, electronically recorded claims (accounts receivable), and the like. When an account receivable contract is concluded between a supplier company and a sales company, a payment date is set.

For example, if the selling company is a small or medium-sized company, it does not have ample funds compared to large companies, so in order to procure funds early, the company wishes to receive payment early. There is Such rules for payment from suppliers to sales companies are stipulated in the Act against Delay in Payment of Subcontract Proceeds, Etc. to Subcontractors (hereinafter referred to as the "Subcontract Act").

Japanese Patent Application Laid-Open No. 2021-170202

In 2020, the Subcontract Act was revised. The revised Subcontracting Law stipulates that the purchaser will pay for the product within 60 days after the seller delivers the product. This revision made it easier for sales companies to raise funds early. On the other hand, as before, there are some purchasing companies who want a payment period of 60 days or more.

In order for the selling company to procure funds, there are cases where an act such as selling the claim to a third party to obtain funds (cash) before the due date of the claim is performed. Such an act is called "factoring," and companies generally raise funds by transferring their receivables to a company called a factoring company (that is, the factoring company buys the receivables). A factoring company purchases the accounts receivable obtained from the sale of products by a selling company (creditor) to a purchasing company (debtor).

If you use factoring, you will be charged a fee for converting your accounts receivable into cash. In factoring, the factoring company investigates the creditworthiness of the payment business operator (purchasing company) and assumes the risk of bad debt, so this fee may be high. Therefore, from the point of view of sales companies, factoring may be an unfavorable means of raising funds.

When factoring or receiving a loan secured by accounts receivable, the subject accounts receivable will be transferred to the factoring company or financial institution, but if the purchasing company finds out about this, it may cause credit instability. can be.

There is no mechanism that enables the selling company to raise funds early and the purchasing company to pay the price within the conventional payment period (60 days or more). Patent Literature 1 discloses a technique in which an obligor is inquired as to whether or not advance payment on a claim is possible, and if the advance payment is approved, the obligor instructs the obligee to pay the money. The technique described in Patent Literature 1 does not solve the above-mentioned problem at all, because the obligor eventually pays the price early.

The computer-implemented method according to the embodiment is a computer system-executed method that acts on behalf of a payment company (purchasing company) to pay a receiver company (selling company) a payment for inter-business transactions. wherein the computer system includes a first computer device and a second computer device, wherein the first computer device receives a payment request message including at least the payment amount from the second computer device and the second computer device requests an occurrence record of an electronically recorded claim in which the payment business operator is the obligor, the payment service provider is the obligee, and the settlement price is set as the amount of the claim. a step in which the first computer device transmits first payment data in which the payment amount is set as the payment amount and the bank account specified by the recipient business operator is set as the specified account; , sending second deposit data in which the bank account specified by the settlement agent is set as the designated account, with the credit amount as the deposit amount.

Further, a computer-executed method according to another embodiment is a computer-system-executed method that acts on behalf of a paying business operator to pay a payment amount to a receiving business operator for inter-business transactions, A computer system includes a first computer device and a second computer device, wherein the first computer device receives a payment request message including at least the payment amount from the second computer device; a first computer device requesting an occurrence record of an electronically recorded claim in which the payment business operator is set as the debtor, the payment agency business operator is set as the obligee, and the settlement price is set as the amount of the claim; a step in which the computer device transmits first payment data in which the payment amount is set as the payment amount and the bank account specified by the recipient business operator is set as the designated account; and transmitting second deposit data in which the bank account specified by the settlement agency business operator is set as the specified account as the deposit amount.

Further, a computer system according to an embodiment is a computer system that acts as an agent for settlement of a settlement fee paid by a payment business to a recipient business for inter-business transactions, wherein the computer system comprises a first computer device and a first 2 computer devices, wherein the first computer device receives a payment request message containing at least the payment amount from the second computer device, and the second computer device owes the payment business operator As a party, the settlement agency business is regarded as the obligee, and the electronically recorded claim is requested with the settlement price set as the credit amount, and the first computer device uses the settlement price as the deposit amount, and the receiving business the first payment data in which the bank account specified by the payment service provider is set as the specified account, and the second computer device sets the bank account specified by the payment agency business as the specified account with the credit amount as the payment amount; Send the second deposit data set as

Furthermore, a computer system according to another embodiment is a computer system that acts on behalf of a paying business operator to pay a payment amount to a receiving business operator for inter-business transactions, wherein the computer system comprises a first computer device and a second computer device, wherein the first computer device receives a payment request message including at least the payment amount from the second computer device, and the first computer device receives the payment business with the third party as the obligor and the payment service provider as the obligee, requesting the occurrence record of the electronically recorded claim in which the settlement price is set as the credit amount, and the first computer device uses the settlement price as the deposit amount, Sending the first payment data in which the bank account specified by the receiver business operator is set as the specified account, and the second computer device transfers the credit amount to the bank account specified by the payment service provider as the payment amount. is set as the designated account.

According to the settlement agency system according to the embodiment, it is possible for the receiving business operator to receive the settlement price early, and the payment business operator can pay the settlement price regardless of the payment deadline specified in the Subcontract Act. be possible.

1 is a diagram showing an overview of a payment agency service provided by a payment agency business; FIG. 1 is a diagram showing an overview of a settlement agent system according to this embodiment; FIG. 1 is a diagram showing an example of the overall configuration of a settlement agent system according to this embodiment; FIG. It is a figure which shows the example of a member store data table. 4 is a flow chart showing an example of processing executed by the settlement agency system according to the present embodiment; FIG. 4 is a diagram showing an example of an electronically recorded monetary bond data table according to this embodiment;

In this embodiment, in the case where a product manufacturer (purchasing company) purchases parts (products) from a parts manufacturer (sales company) (that is, a case where transactions are conducted between business operators), the purchasing company An example of payment to a sales company (inter-business settlement) will be described. Hereinafter, the person who pays the settlement price in the transaction is referred to as the "paying business operator", and the person who receives the payment is referred to as the "receiving business operator".

Conventionally, financial institutions such as credit card companies (hereafter referred to as payment service providers) conclude merchant agreements with product/service sellers, conclude credit card membership agreements with consumers, and and provides payment agency services between members. The present embodiment utilizes the payment agency service function provided by such a payment agency business to enable the receiving business to receive the settlement price early while avoiding credit risk. Payment companies will be able to pay the settlement price regardless of the payment deadline stipulated in the Subcontract Act.

With reference to FIG. 1, the outline of the payment agency service provided by the payment agency business will be described. The payment service provider shall conclude a member store contract with a member store (a store of a product/service provider, etc.).

(1) A credit card member makes a payment using a credit card at a participating store. (2) After the payment is made, the member store provides the credit card member with the product/service. (3) The payment service provider charges the credit card member for the amount of credit card usage. This billing is usually made in units of the total usage amount for one month. (4) When the usage amount is billed, the billed amount is withdrawn from the credit card member's bank account to the settlement agency's bank account (account transfer).

(5) After that, the affiliated store bills the payment service provider for the total amount used by the credit card member. (6) When the total usage amount is billed, the settlement agent deposits money into the bank account of the member store (account transfer). This amount is the amount obtained by subtracting the commission paid by the member store to the payment service provider from the total billed usage amount. In this way, the payment service provider performs the payment service for the credit card payment of the credit card member.

In the explanation of Fig. 1, an example in which the settlement service provider is a credit card company is shown, but in reality, the service provider pays the settlement fee to the member store and the credit card member is credited. There are businesses that issue credit cards in The former is generally referred to as the "acquirer" and the latter as the "issuer".

As described above, in the present embodiment, inter-business settlement is performed using a settlement agency service provided by a settlement agency business. With reference to FIG. 2, an overview of the settlement agency system according to the present embodiment will be described. In the present embodiment, the settlement service provider performs the settlement service for the settlement price paid by the payment business operator to the receiver business operator. The settlement agent is a financial institution such as a credit card company. The paying business operator and the receiving business operator each enter into a merchant contract to receive the payment agency service with the payment agency business operator.

(1) The receiving business operator provides the payment business operator with goods and services (transaction between business operators). (2) When a transaction is made, the receiving company requests payment from the paying company. (3) The payment business operator generates an electronically recorded claim in which the payment business operator is the obligor, the payment service provider is the obligee, and the payment amount is the amount of the claim. Claims for accrual of electronically recorded monetary claims are made through electronic monetary claims recording institutions, as will be described later.

Electronically recorded monetary claims are generated when the obligor or obligee makes a claim and the other party approves, and the electronic monetary claims recording institution records them in a record ledger managed by the electronic monetary claims recording institution. Electronic Monetary Claims Recording Institutions refer to institutions designated under the Electronically Recorded Monetary Claims Act to record and manage electronically recorded monetary claims on computers.

(5) When the settlement agent approves the generation of electronically recorded claims, (5) the settlement agent deposits the settlement amount into the bank account of the receiving business based on the generated electronically recorded claims (account transfer ). (6) The receiving company deposits the merchant fee into the bank account of the settlement agent (account transfer). This fee is the amount for the settlement agency business to perform the settlement agency. (7) The payment business operator deposits the credit amount corresponding to the electronically recorded monetary claim into the bank account of the payment agency business operator (account transfer). This fee is the amount for the settlement agency business to perform the settlement agency.

It should be noted that the commission paid by the receiving business operator to the payment agency business operator in (6) may be subtracted from the settlement amount paid by the payment business operator to the payment agency business operator in (5). In this way, in this embodiment, the settlement agent company pays the settlement fee to the receiver company, and the paying company pays the settlement agent company the amount of the claim corresponding to the electronically recorded claim. The payment of fees may be paid by either the receiving business operator or the paying business operator only. With this mechanism, the receiving business can receive the settlement price early. In addition, since there is no direct settlement between the paying business operator and the receiving business operator, the paying business operator can pay the settlement amount within 60 days after the completion of the transaction without being subject to the restrictions of the Subcontract Act.

Below, the payment agent system according to the embodiment will be described in detail. In this embodiment, it is assumed that at least the payment business operator and the settlement agent business operator are registered with the electronic monetary claim recording institution and assigned a user number for using the electronic monetary claim recording institution.

First, an example of a settlement agency system 100 (computer system) according to the present embodiment will be described. FIG. 3 shows an example of the overall configuration of the payment agency system 100 according to the first embodiment. The settlement agent system 100 includes a server computer 1, a computer device 2, and a computer device 3. A server computer 1, a computer device 2 and a computer device 3 are interconnected via a network 4 including public lines.

The server computer 1 is a computer device (first computer device) that implements an accounting service provided by a payment agency (financial institution). The server computer 1 has been conventionally implemented by a payment agency business operator, and generates payment data for transferring money to a bank account designated by a recipient business operator, and transmits payment data to the national bank data communication system. perform an action, such as sending. The server computer 1 also manages information about member stores.

The server computer 1 may be implemented by a single computer device or may be implemented by multiple computer devices. The server computer 1 includes a control device 11 , memory 12 , storage device 13 and communication device 14 .

The control device 11, also called a processor, controls the above-described components of the server computer 1 and performs data calculations. Further, the control device 11 reads a predetermined program stored in the storage device 13 to the memory 12 and executes it for executing various processes according to the present embodiment.

The memory 12 is a volatile data storage device that stores data transmitted from the computer device 2 or the like, computer-executable instructions, data after arithmetic processing by the instructions, and the like. The memory 12 may be implemented with RAM (random access memory) (eg, SRAM (static RAM) and DRAM (dynamic RAM)) and the like.

The storage device 13 is a non-volatile data storage device that stores the programs described above, member store information described later, and the like. The storage device 13 may be implemented with a nonvolatile semiconductor memory such as a ROM (Read Only Memory), a magnetic storage device (such as a hard disk drive), an optical disc, or the like. The server computer 1 implements a DBMS (Database Management System), and the member store information is implemented using a database table.

Communication device 14 is a network interface that transmits and receives data and control information over network 4 to and from external computing devices, such as computing device 2 . This network interface includes, for example, a network card (eg, LAN card) conforming to protocols such as TCP/IP.

Computing device 2 is a computing device (second computing device) used by the payment business operator. The computer device 2 executes processes such as generating accrual record request data for generating electronically recorded monetary claims and transmitting the accrual record request data to an electronic monetary claim recording institution. The computing device 2 may be a computing device having at least computing and communication capabilities, such as portable computing devices such as smart phones and tablet computers, laptop computing devices, and notebook computing devices.

The computer device 3 is a computer device (third computer device) used by the payee. The computer device 3 executes processing such as generating billing data for billing the payment company for the settlement amount and transmitting the billing data to the computer device 2 . The computer device 3, like the computer device 2, may be a computer device having at least computing and communication capabilities.

Next, referring to FIG. 4, an example of the member store data table 400 stored in the storage device 13 of the server computer 1 is shown. The member store data table 400 is a database table managed by DBMS, and stores information on member stores that have signed a member store contract with a payment service provider.

The member store data table 400 stores data records registered for each member store that has entered into a member store contract with a payment service provider. A member store data table 400 includes member store number 401, member store name 402, account information 403, commission 404, and user number 405 as data items. The member store number 401 is set to a number assigned to the target member store when the member store is registered in the settlement agency system 100 . The member store name 402 is set with the target member store name and settlement account information.

In the account information 403, account information related to the bank account specified by the target member store is set. Account information includes branch number, type, account number, and nominee. In the commission 404, a commission agreed upon between the settlement agency business operator and the target member store is set. The fee is a fee for the settlement agency business to perform settlement agency for the member store. The user number 405 is set with a user number to which the target member store is assigned a user number by the electronic monetary claim recording institution.

Note that the data items included in the member store data table 400 are merely examples, and not all of the data items shown in FIG. 4 are included. Alternatively, the merchant data table 400 may include data items other than the data items shown in FIG.

As noted above, the payer and/or payee enter into a merchant agreement with the payment service provider. Therefore, it is assumed that the member store data table 400 shown in FIG. 4 stores the payee business operator and the member store data record for the payee business operator.

The payment service provider pays the settlement fee to the receiver business operator as described later on behalf of the payment business operator (makes advance payment). The payment business operator pays a fee for the advance payment made by the payment agency business operator. In addition, the payment service provider pays the payment amount to the receiver business operator as described later (early payment of money). The Receiving Business Operator pays a fee for the money payment made by the Settlement Agency Business Operator.

Next, an example of processing executed by the payment agency system 100 according to the present embodiment will be described with reference to FIG. Assume that the Paying Merchant uses Computing Device 2 and the Paying Merchant uses Computing Device 3, as described above. In this embodiment, the selling company (receiving business operator) delivers the product to the purchasing company (paying business operator) (transaction between business operators occurs), thereby making the sale between the receiving business operator and the payment business operator. The processing is started when a claim X is generated.

First, the computer device 3 generates billing data for billing the payment amount corresponding to the accounts receivable X (that is, the payment amount for the product sold by the recipient company), and transmits the billing data (step S501). ). The billing data includes at least the amount billed (the amount to be paid corresponding to accounts receivable X), an indication of intention to approve the entrustment of settlement to the settlement agent, and the member store number registered with the settlement agent.

By the processing of step S501, the paying business operator is notified through the computer device 2 that the payment amount corresponding to the accounts receivable X needs to be paid to the receiving business operator. It is assumed that the process of step S501 is executed immediately after the receiving company delivers the product to the paying company (the transaction between companies is completed). In the process of step S501, billing data may be generated by collectively collecting deliveries for a certain period by setting a billing cut-off date according to an agreement between the payer and the receiver.

Next, the computer device 2 generates a payment request message containing at least the payment amount corresponding to the accounts receivable X and the member store number assigned to the receiving business, and transmits the payment request message to the server computer 1 (step S502). This process notifies the payment service provider that the payment service provider needs to pay the payee service provider. The merchant number included in the payment request message is used to acquire the account information of the receiving business in the processing described later, but the payment request message may include the account information of the receiving business.

Next, the computer device 2 generates accrual record request data so as to record accrual of electronically recorded claims for accounts receivable X in the record ledger, and transmits the accrual record request data to the electronic claim recording institution (step S503). ). Occurrence record request data is data having a data format defined by an electronic monetary claim recording institution for requesting recording of electronically recorded monetary claims in a record ledger managed by the electronic monetary claim recording institution.

Claiming record request data includes claimant information (the claimant corresponds to the debtor, including user number, settlement account information, etc.), counterparty information (the counterparty corresponds to the creditor, user number, settlement account information, etc.) information, etc.), amount of receivables, and data items such as due dates.

As described above, in this embodiment, an electronically recorded claim is generated for the account receivable X, with the payment business operator as the debtor and the settlement agency business as the obligee. Therefore, in the occurrence record billing data generated in step S503, the user number assigned to the payment business operator as claimant information and the account information specified by the payment business operator are assigned to the payment agency business operator as counterparty information. It includes the user number and the account information specified by the settlement agency business operator, the payment amount corresponding to the accounts receivable X as the credit amount, and the payment date specified by the payment business operator as the payment date.

As mentioned above, the Subcontract Act requires the payment company to pay the payment amount to the recipient company within a payment period of 60 days or less after the delivery of the product from the recipient company (i.e., after the completion of the inter-business transaction). It has established. However, some payers wish to make payments within a payment period of 60 days or more after completion of the business-to-business transaction. With this in mind, the Payment Provider may designate a date 60 days or more after completion of the inter-business transaction as the payment due date under an agreement with the Payment Service Provider.

The Subcontract Act applies to settlements between payment business operators and recipient business operators. Since the settlement fee is paid to the business operator, it is not subject to the restrictions of the Subcontract Act.

When the claim record request data is sent to the electronic monetary claim recording institution and approved by the payment service provider, the electronic monetary claim recording institution records the electronically recorded claim corresponding to the accounts receivable X in the record ledger. As a result, an electronically recorded claim Y corresponding to the accounts receivable X is generated, and the electronically recorded claim Y is managed by the electronic claim recording institution.

In the present embodiment, the payment business operator requests the electronically recorded monetary claims to be issued to the electronic monetary claim recording institution (obligator claim method). creditor claim method). In this case, in step S503, the computer device 2 also includes information such as the payment date in the payment request message, and the server computer 1 responds to receiving the payment request message to generate accrual record request data, Send the accrual record request data to the electronic monetary claim recording institution.

When the electronically recorded claim Y is generated, the settlement agent receives a notification message indicating that the electronically recorded claim Y has been generated through the server computer 1 (step S504). The notification message contains at least the claimant information (user number of the payment business operator and account information specified by the payment business operator), the amount of the claim (the payment amount corresponding to accounts receivable X), and Include the payment due date (the due date specified by the payment provider).

Next, the control device 11 of the server computer 1 acquires the target member store data record from the member store data table 400 based on the user number (payer) included in the notification message (step S505). This process retrieves the merchant data record corresponding to the payment merchant.

Next, the control device 11 inserts the electronically recorded monetary bond data record into the electronically recorded monetary bond data table 600 based on the information contained in the notification message received in step S504 and the member store data record obtained in step S505 (step S506).

6 shows an example of an electronically recorded monetary bond data table 600 stored in the storage device 13 of the server computer 1. As shown in FIG. The electronically recorded monetary claims data table 600 is a database table managed by DBMS, and stores information on electronically recorded monetary claims for which the settlement agency is designated as a creditor in the settlement agency.

The electronically recorded monetary bond data table 600 stores data records for each electronically recorded monetary bond. The electronically recorded bond data table 600 includes a member store number 601, a bond amount 602, and a payment date 603 as data items. The member store number 601 is set to the value set in the member store number 601 included in the member store data record acquired in step S505 (that is, the member store number assigned to the payment business operator).

The bond amount 602 and the payment due date 603 are respectively set with the bond amount and payment date included in the notification message received in step S504 (ie, the bond amount and payment date specified in the electronically recorded bond Y).

Through the process of step S506, the settlement agent can manage the information on the electronically recorded monetary claims for which it is designated as the obligee in association with the information stored in the member store data table 400.

Next, in response to receiving the payment request message at least in step S502, the control device 11, based on the member store number assigned to the receiving business operator included in the payment request message, selects from the member store data table 400 The target member store data record is acquired (step S507). This process retrieves the Merchant Data Record corresponding to the Payee Merchant.

Next, the control device 11 generates deposit data (first deposit data) for depositing the payment amount corresponding to the accounts receivable X into the bank account designated by the receiving business, and transmits the data to the national bank data communication system. The deposit data is transmitted (step S508). Deposit data is data having a data format defined by the National Bank Data Communication System for depositing money into a designated account.

The deposit data is set in at least the payment amount (payment amount corresponding to accounts receivable X) included in the payment request message received in step S502 and the account information 403 included in the member store data record acquired in step S507. Includes data items such as account information (account information specified by the receiving business operator). That is, in the payment data, the payment amount corresponding to the accounts receivable X is set as the payment amount, and the account information specified by the receiving business is set as the specified account.

By the process of step S508, the settlement agent deposits the payment amount corresponding to the accounts receivable X to the bank account of the recipient company. Since the process of step S508 is executed in response to the receipt of the payment request message in step S502, the receiving business can receive the payment early.

As described above, the receiving business operator pays the payment agency business operator a commission for the payment of money by the payment agency business operator. Therefore, the payment amount included in the deposit data generated in step S508 may be set to the amount obtained by subtracting the fee. In this case, the commission 404 included in the member store data record corresponding to the receiver business operator acquired in step S507 is subtracted from the payment amount. In this way, the receiving business operator can receive payment from the settlement agency business operator early, taking into account the commission paid by the receiving business operator.

Next, the control device 11 of the server computer 1 generates billing data for billing the amount of the bond corresponding to the electronically recorded monetary bond Y, and transmits the billing data to the computer device 2 (step S509). The billing data includes at least data items such as the billing amount (the amount of the claim corresponding to the electronically recorded monetary claim Y) and the account information specified by the settlement agent.

As described above, the payment business operator pays the payment agency business operator a fee for the payment on behalf of the payment agency business operator. Therefore, the amount to which the fee is added may be set as the billing amount included in the billing data generated in step S509. In this case, the fee 404 included in the member store data record corresponding to the paying business operator obtained in step S505 is added to the billed amount. In this way, the payment service provider can demand payment of the credit amount from the receiver business operator, taking into consideration the fees paid by the payment business operator.

Next, the computer device 2 generates deposit data (second deposit data) for depositing the billed amount specified in the billing data transmitted in step S509 into the specified bank account, and (step S510).

The payment data includes at least data items such as the billing amount and account information specified in the billing data. That is, in the deposit data, the credit amount corresponding to the electronically recorded credit bond Y is set as the deposit amount, and the account information specified by the settlement service provider is set as the designated account.

The processing of steps S509 and S510 is executed by the payment date specified in the electronically recorded monetary claim Y. As mentioned above, the payment business operator shall designate a date 60 days or more after the completion of the inter-business transaction as the due date for electronically recorded monetary claims Y under the agreement with the settlement agency business operator. can be done. Therefore, the processing of steps S509 and S510 is executed before the due date of payment, which is 60 days or more after the transaction between businesses is completed.

From the above, the payment agency system according to the present embodiment has been described. In this embodiment, in response to a payment request message from the computer device 2 (payment business operator), the payment agency business operator pays the payment amount to the bank account specified by the recipient business operator. Therefore, the receiving business operator can receive payment from the payment agency business operator at an early stage. Further, in this embodiment, an electronically recorded claim corresponding to the account receivable is generated, and the payment business operator can make payment to the settlement agent business operator by the payment deadline. Since the payment business operator generates electronically recorded claims with the payment service provider, there is no need to comply with the payment deadline within 60 days stipulated in the Subcontract Act, and payment can be made according to the agreement with the payment service provider. Payment can be made on time.

In this embodiment, an example in which the payment service provider is a single financial institution is shown, but the arrangement is not limited to this. The settlement agency may be composed of a plurality of separate settlement agencies (financial institutions). In this case, for example, an electronically recorded claim is generated between one settlement agent (settlement agent A) and a payment agent (settlement agent A is the obligee and the payment agent is the obligor), Settlement agency A pays the settlement amount to the recipient business through settlement agency B.

What has been said above is that a plurality of payment service providers represent payers and payees, respectively. With such a configuration, for example, each business operator has a different financial institution with which it has traditionally done transactions, and these financial institutions cooperate with each other to perform settlement agency services, so that more business operators can use the service according to the present embodiment. make it possible to use

It should be noted that the processing and hardware components described in the above embodiments are exemplary only, and that other configurations are possible. Also, the order of the processes described in the above embodiment does not necessarily have to be executed in the order described, and may be executed in any order. Moreover, additional steps may be newly added without departing from the basic concept of the invention.

Also, the payment agency system 100 is implemented by a computer program executed by the server computer 1, the computer device 2, and/or the computer device 3, but the computer program may be stored in a non-temporary storage medium. . Examples of non-transitory storage media include read-only memory (ROM), random access memory (RAM), registers, cache memory, semiconductor memory devices, magnetic media such as internal hard disks and removable disk devices, magneto-optical media, and Including optical media such as CD-ROM discs and Digital Versatile Discs (DVDs).

Claims (8)

1. A method executed by a computer system for proxying the payment of a settlement amount paid by a paying entity to a receiving entity for a business-to-business transaction, the computer system comprising a first computing device and a second computing device. including
A step in which the first computer device receives a payment request message from the second computer device , the payment request message including the payment amount, the merchant number of the recipient business operator, and the payment and at least information dated 60 days or more after completion of said inter-business transaction specified by the business ;
The second computer device requests an occurrence record of an electronically recorded claim in which the payment business operator is the obligor, the settlement agent business is the obligee, the settlement price is the credit amount , and the date is the payment due date. and
The first computer device, in response to receiving the payment request message, sets the payment amount as the payment amount and sets the bank account associated with the receiving business operator's member store number as the designated account. sending the deposit data of
a step in which the second computer device transmits second deposit data in which the bank account specified by the settlement agent is set as the designated account on the payment date , with the amount of the claim as the deposit amount;
How to prepare . 2. The method according to claim 1, wherein said payment amount set in said first payment data is an amount obtained by subtracting a commission paid by said receiving business operator to said payment agency business operator from said payment price . 2. The method according to claim 1 , wherein said payment amount set in said second payment data is an amount obtained by adding a fee to be paid by said payment business operator to said settlement agency business operator from said credit amount. 2. The first computer device further comprising the step of sending claim data for claiming the amount of the claim corresponding to the electronically recorded claim to the second computer device before the due date for payment. The method described in . 1. A method executed by a computer system for proxying the payment of a settlement amount paid by a paying entity to a receiving entity for a business-to-business transaction, the computer system comprising a first computing device and a second computing device. including
A step in which the first computer device receives a payment request message from the second computer device , the payment request message including the payment amount, the merchant number of the recipient business operator, and the payment and at least information dated 60 days or more after completion of said inter-business transaction specified by the business ;
The first computer device requests an occurrence record of an electronically recorded claim in which the payment business operator is set as the debtor, the payment agency business operator is set as the obligee, the settlement price is set as the amount of the claim , and the date is set as the payment due date. and
The first computer device, in response to receiving the payment request message, sets the payment amount as the payment amount and sets the bank account associated with the receiving business operator's member store number as the designated account. sending the deposit data of
a step in which the second computer device transmits second deposit data in which the bank account specified by the settlement agent is set as the designated account on the payment date , with the amount of the claim as the deposit amount;
How to prepare . 1. A computer system that acts on behalf of a paying business to pay a settlement amount to a receiving business for inter-business transactions, said computer system comprising a first computer device and a second computer device,
The first computer device receives a payment request message from the second computer device , and the payment request message includes the payment amount, the merchant number of the recipient company, and the payment company specified by the payment company. dated 60 days or more after completion of said business-to-business transaction; and
The second computer device requests an occurrence record of an electronically recorded claim in which the payment business operator is the obligor, the settlement agent business is the obligee, the settlement price is the credit amount , and the date is the payment due date. death,
The first computer device, in response to receiving the payment request message, sets the payment amount as the payment amount and sets the bank account associated with the receiving business operator's member store number as the designated account. send the deposit data of
The second computer device transmits second deposit data in which the credit amount is set as the deposit amount on the payment date and the bank account specified by the settlement agency is set as the designated account.
computer system . 1. A computer system that acts on behalf of a paying business to pay a settlement amount to a receiving business for inter-business transactions, said computer system comprising a first computer device and a second computer device,
The first computer device receives a payment request message from the second computer device , and the payment request message includes the payment amount, the merchant number of the recipient company, and the payment company specified by the payment company. dated 60 days or more after completion of said business-to-business transaction; and
The first computer device requests an occurrence record of an electronically recorded claim in which the payment business operator is set as the debtor, the payment agency business operator is set as the obligee, the settlement price is set as the amount of the claim , and the date is set as the payment due date. death,
The first computer device, in response to receiving the payment request message, sets the payment amount as the payment amount and sets the bank account associated with the receiving business operator's member store number as the designated account. send the deposit data of
The second computer device transmits second deposit data in which the credit amount is set as the deposit amount on the payment date and the bank account specified by the settlement agency is set as the designated account.
computer system . A computer program that causes a computer to execute the method according to any one of claims 1 to 5.

Images