JP7304303B2 - Payment management device, payment management method, and payment management system - Google Patents

Description

The present invention relates to a payment management device, payment management method, and payment management system.

The players that make up the supply chain often have various business scales and creditworthiness. As a result, each player has different financial strength, and there is a possibility that settlement operations in the supply chain will be delayed. Therefore, a conventional technique has been proposed for supplying working capital to a corporate group that constitutes a supply chain.

In other words, it is a stable supply system of working capital for multiple companies that make up the supply chain, from the import of raw materials, production to intermediate processing, manufacture of products, and intermediate distribution to the final consumer. means of credit rating for transactions between the entire corporate group and specific two companies that constitute the A working capital supply system for a supply chain (see Patent Document 1), which is characterized by having a netting (offset settlement) means performed in a bank and a means of automatic maintenance based on credit rating performance, has been proposed.

JP-A-2005-44251

However, another challenge exists given the hierarchies of players in the supply chain. In other words, the lower the level in the above hierarchical structure, the later the payment execution date, which tends to adversely affect cash flow.

For example, an orderer (buyer) places an order with a cooperating company A (primary contractor), which is a primary supplier, and this cooperating company A places an order with a secondary supplier, cooperating company B (subcontractor). Assuming relationships.

In this case, the payment site from the orderer to the primary supplier is, for example, 30 days + α (end of the next month) from the acceptance inspection date by the orderer, but the payment site from the primary supplier to the secondary supplier is further 30 days + α (at the end of the following month). In other words, the primary and secondary suppliers receive payment 30+α days and 60+α days after the acceptance inspection, and the lower the hierarchy, the more likely they are to face financial difficulties. In addition, it is not possible for the supplier to control such payment dates.

On the other hand, the above-mentioned suppliers are often businesses with a smaller business scale than the ordering party, and due to the recent labor shortage, it is becoming more difficult to secure personnel year by year. From the standpoint of the supply chain, if it becomes difficult to hope for an improvement in cash flow, the funds and motivation to secure personnel for such a supply chain are likely to decline. In other words, there is also concern that the relationship between the ordering party and the supplier will be diluted.

On the other hand, from the perspective of the ordering party, while recognizing the above-mentioned concerns, it is necessary to continuously secure a suitable number of suppliers and operate the business smoothly. In addition, CCC (Cash Con
There is also a need to maintain the version cycle (cache conversion cycle) as before.

SUMMARY OF THE INVENTION Accordingly, it is an object of the present invention to provide a technique for expediting collection of funds and appropriately managing funds regardless of the position in the hierarchical structure of the supply chain.

The payment management device of the present invention for solving the above-mentioned problems provides information on a credit line guaranteed to be convertible into cash, issued by a financial institution with a predetermined member of the supply chain as a debtor, and A storage device that holds information on a digital currency issued based on a credit limit and account information of each member of the supply chain; When receiving a payment application in the digital currency for another member who is a contractor in the chain, the digital currency for the payment amount indicated by the payment application is extracted from the digital currency of the predetermined member whose information is held in the storage device. and distribute the digital currency for the payment amount to the other member's terminal, and if an application for cash conversion of the digital currency is received from the other member's terminal, the other member Calculation for executing a conversion process of identifying account information in the storage device and depositing the amount of cash indicated by the cash conversion application from the cash account linked to the credit limit to the account indicated by the account information. and a device.

Further, in the payment management method of the present invention, the information processing device includes information on a credit limit guaranteed to be convertible into cash, issued by a financial institution with a specified member of the supply chain as a debtor, and and the account information of each member of the supply chain, and the terminal of the predetermined member who is the orderer in the supply chain When receiving a payment application in the digital currency for another member who is a contractor in the supply chain, the payment amount indicated by the payment application is transferred from the digital currency of the predetermined member holding information in the storage device. of the digital currency is divided and the digital currency for the payment amount is distributed to the other member's terminal, and if an application for cash conversion of the digital currency is received from the other member's terminal, the above A conversion process in which the account information of other members is specified in the storage device, and the amount of cash indicated by the cash conversion application is deposited from the cash account linked to the credit limit to the account indicated by the account information;
is characterized by executing

In addition, the payment management system of the present invention includes information on a credit limit that is guaranteed to be convertible into cash issued by a financial institution with a specified member of the supply chain as a debtor, and information on the credit limit for the specified member. A storage device that holds information on a digital currency issued based on the supply chain and account information of each member of the supply chain; When receiving a payment application in the digital currency for another member who is a contractor, the digital currency for the payment amount indicated by the payment application is divided from the digital currency of the predetermined member holding information in the storage device. , payment processing to distribute the digital currency for the payment amount to the terminal of the other member, and when an application for cash conversion of the digital currency is received from the terminal of the other member, the account information of the other member and an arithmetic unit that executes a conversion process of depositing the cash of the denomination specified by the storage device and indicated by the cash conversion application from the cash account linked to the credit limit to the account indicated by the account information. It is characterized by

According to the present invention, regardless of the position in the hierarchical structure of the supply chain, the collection of funds can be expedited and the cash flow can be made appropriate.

It is a network block diagram containing the payment management apparatus of this embodiment. It is a figure which shows the hardware structural example of the payment management apparatus in this embodiment. It is a figure which shows the data structural example of management DB of this embodiment. It is a figure which shows the data structural example of account information DB of this embodiment. It is a figure which shows the data structural example of log|history DB of this embodiment. It is a figure which shows the data structural example of key information DB of this embodiment. FIG. 2 illustrates an example supply chain and payment management concept of the present embodiment; It is a figure which shows the flow example of the payment management method in this embodiment. It is a figure which shows the example of a screen in this embodiment. It is a figure which shows the example of a screen in this embodiment. It is a figure which shows the example of a screen in this embodiment. It is a figure which shows the example of a screen in this embodiment. It is a figure which shows the example of a screen in this embodiment. It is a figure which shows the example of a screen in this embodiment.

<Network configuration>
Embodiments of the present invention will be described in detail below with reference to the drawings. FIG. 1 is a network configuration diagram including a payment management device 100 of this embodiment. The payment management device 100 shown in FIG. 1 is a computer device that expedites collection of funds and appropriately manages funds regardless of their position in the hierarchical structure of the supply chain.

The payment management device 100 of this embodiment is connected to a buyer system 200, a supplier system 250, and a financial institution system 300 via an appropriate network 1 so as to be capable of data communication. A group of devices connected to the network 1 may be regarded as a payment management system 10 that cooperates with each other to implement the payment management method of the present invention.

Of these, the buyer system 200 is a system operated by a business operator (that is, a buyer) who is an orderer in the supply chain, and can be assumed to be, for example, a server device that accesses the electronic commerce infrastructure in the supply chain. This buyer is a business operator that receives a credit check from a financial institution and receives a credit limit for issuing a digital currency.

Digital currency issued under this credit facility will be used to fund payment processing by buyers to suppliers. On the other hand, the digital currency issued based on the credit line is later subject to a cash conversion application from the contractor and is converted into cash. Cashing is achieved by depositing the cash account that constitutes the credit line into the contractor's account.

In addition, the face value used for the issuance of digital currency under the credit line will be processed for lump-sum repayment from the buyer's account to the financial institution upon the arrival of the date predetermined between the financial institution and the buyer, that is, the conversion deadline. .

In addition, the supplier system 250 is a system operated by a business operator (that is, a supplier) who is a contractor in the supply chain, like the buyer system 200 described above. A device can be envisioned.

The supplier will receive payment for the case ordered from the above buyer in digital currency. Digital currency is backed by the above-mentioned buyer's credit line, and is treated in the same way as funds borrowed from financial institutions by the buyer. In other words, regardless of the supplier's business scale or creditworthiness, it is a suitable payment fund that can be converted into cash under the transaction terms agreed between the buyer (who is stronger than the supplier) and the financial institution.

Also, the financial institution system 300 is a system operated by a financial institution that has the authority to issue the above-described digital currency, which is valid only in the supply chain, for example. This financial institution is a business operator that conducts credit examinations on the above-mentioned buyers and sets credit limits according to their creditworthiness.

The credit facility in this case consists of a digital currency account and a cash account. Buyers can receive the issuance of digital currency up to the limit of the credit line. In addition, if the cash account receives a cash conversion application from the contractor (the person who received the order from the above orderer and received payment processing in digital currency) by the conversion deadline, the face value of the target digital currency will be It will be used when depositing the corresponding cash into the account of the contractor.

In the present embodiment, the payment management apparatus 100 receives a request from the buyer system 200 or the supplier system 250 or autonomously acts or mediates the processing such as digital currency issuance and cash conversion, which the financial institution system 300 is responsible for. The following description will be given on the assumption that the For example, each function in the financial institution system 300 is provided to the buyer system 200 and the supplier system 250 through the API of the payment management device 100 .
<Hardware configuration>
Further, the hardware configuration of the payment management device 100 of this embodiment is as shown in FIG. That is, payment management device 100 includes storage device 101 , memory 103 , arithmetic device 104 , and communication device 105 .

Among them, the storage device 101 is composed of an appropriate non-volatile storage element such as an SSD (Solid State Drive) or a hard disk drive.

Also, the memory 103 is composed of a volatile memory element such as a RAM.

Arithmetic device 104 is a CPU that reads program 102 stored in storage device 101 into memory 103 and executes it, performs overall control of the device itself, and performs various determinations, calculations, and control processes.

Also, the communication device 105 is a network interface card that connects to the network 1 and performs communication processing with other devices such as the buyer system 200 , the supplier system 250 , and the financial institution system 300 .

Input devices such as a keyboard, mouse, and microphone for receiving key inputs and voice inputs from the user, and output devices such as a display and speakers for displaying data processed by the arithmetic unit 104 may be provided.

In addition to the program 102 for implementing the necessary functions of the payment management device 100 of this embodiment, the storage device 101 stores at least a management DB 125, an account information DB 126, a history DB 127, and a key information DB 128. ing. Details such as the data structure of these databases will be described later.
<Data structure example>
Next, tables used by the payment management device 100 of this embodiment will be described. FIG. 3 shows an example of the management DB 125 in this embodiment. This management DB 125 is a database that accumulates information on a credit limit set for a buyer by a financial institution and information on digital currency issued based on the credit limit for this buyer.

The data structure is a record consisting of data such as the amount of credit limit set by the financial institution, the remaining credit limit, the cash conversion deadline, the conversion fee, and the amount of digital currency issued, using the user ID that uniquely identifies the member as a key. is a collection of

Also, FIG. 4 shows an example of the account information DB 126 in this embodiment. This account information DB 126 is a database that accumulates account information of each member of the supply chain, ie, buyers and suppliers.

The data structure is a collection of records consisting of data such as branch number, account number, and account number, with a user ID that uniquely identifies a member as a key.

Also, FIG. 5 shows an example of the history DB 127 in this embodiment. This history DB 127 is a database that accumulates payment histories including information on amounts paid by buyers to suppliers in digital currency, and conversion histories including information on conversion processing regarding suppliers who have received payment in digital currency.

The data structure includes the processing date of payment processing and conversion processing, the originator (buyer) of the credit limit that is the origin of the digital currency used in the processing, the user ID of the digital currency holder in the processing, the content of the processing, and the This is an aggregate of records including data such as the user ID of the person to be processed and the amount of money to be processed.

Also, FIG. 6 shows an example of the key information DB 128 in this embodiment. This key information DB 128 is a database storing key information of each member in the supply chain. The data structure is a set of records consisting of a public key and a private key of a member with a user ID that uniquely identifies a member in the supply chain as a key.
<Flow example>
The actual procedure of the payment management method according to this embodiment will be described below with reference to the drawings. Various operations corresponding to the payment management method described below are realized by a program that the payment management apparatus 100 reads out to a memory or the like and executes. This program is composed of codes for performing various operations described below.

FIG. 7 is a diagram showing an example of the supply chain and payment management concept of this embodiment, and FIG. 8 is a diagram showing an example flow of a payment management method in this embodiment. Here, as an example, in the supply chain illustrated in Fig. 7, a bank as a financial institution sets a credit limit (e.g. 15 million yen) for the buyer, and the buyer issues a digital currency (e.g. 10 million yen) based on this credit limit ) and use it as the source of payment (eg 10 million yen) to the primary supplier in the supply chain.

In addition, this primary supplier will use the required amount (e.g. 5 million yen) of the digital currency (e.g. 10 million yen) obtained from the payment from the buyer to the secondary supplier who orders the work as the source of payment. shall be In addition, the secondary supplier will provide the required amount (e.g. 2 million yen) out of the digital currency (e.g. yen) shall be used as the source of payment.

As already described, the payment management device 100 performs processing such as digital currency issuance and cash conversion, which is handled by the financial institution system 300, by the buyer system 200 and the supplier system 2.
It is assumed that the request from 50 is received or autonomously acted or mediated, and the following description will be given. For example, each function in the financial institution system 300 is provided to the buyer system 200 and the supplier system 250 through the API of the payment management device 100 . Therefore, various explanations will be made assuming that the processing by the financial institution system 300 is mainly performed by the payment management device 100 .

Here, it is assumed that the payment management device 100 receives from the buyer's buyer system 200 an application for issuance of digital currency of a predetermined denomination based on the credit limit already set for the buyer (s10). At this time, it is assumed that the buyer system 200 displays an application screen (FIG. 9) for digital currency issuance on the terminal or the like operated by the buyer, and accepts designation of the issue amount.

Subsequently, the payment management device 100 generates a digital currency of the denomination based on the desired issuance amount indicated by the issuance application, and distributes it to the above-described buyer system 200 (s11).

At this time, the payment management device 100 reduces the remaining credit limit of the buyer according to the digital currency issued amount and stores information on the generated digital currency in the management DB 125 of the storage device 101 .

Note that, when distributing the digital currency generated in response to the issuance application described above to the buyer system 200, the payment management device 100 identifies the buyer's public key in the key information DB 128, and uses this public key to at least digital currency is preferably encrypted. In this case, the payment management device 100 can inquire of the buyer system 200 (FIG. 10) as to whether or not the amount information needs to be encrypted, and perform processing.

When a series of processing associated with payment management is managed by distributed ledger technology, transactions exchanged between systems such as the financial institution system 300, the buyer system 200, and the supplier system 250, and the transactions after consensus building Even if the stored distributed ledger can be viewed by stakeholders of the distributed ledger system (in this case, between players in the supply chain), at least the amount information can only be known by the parties and the financial institution. Financial institutions need monetary amount information when converting digital currencies and auditing each transaction.

Subsequently, it is assumed that the payment management device 100 receives a payment application in digital currency from the above-described buyer system 200 to the above-described primary supplier (s12). At this time, it is assumed that the buyer system 200 makes the payment application described above, triggered by receiving a notification of the completion of the ordering work from the supplier system 250 of the primary supplier.

In this case, the payment management device 100 refers to the information about the buyer in the management DB 125 of the storage device 101, divides the digital currency of the payment amount indicated by the payment application from the digital currency held by the buyer, The digital currency for the payment amount is delivered to the supplier system 250 of the primary supplier and payment processing is executed (s13).

At this time, the payment management device 100 reduces the buyer's digital currency amount in accordance with the amount subject to payment processing in the management DB 125 in the storage device 101 . Also, payment management device 100 generates and registers a record of the content of payment processing in history DB 127 of storage device 101 .

Further, when distributing digital currency to the supplier system 250 of the primary supplier during the above-described payment processing, the payment management device 100 identifies the public key of the primary supplier in the key information DB 128, and uses this public key to transmit at least the digital currency. is preferably encrypted. In this case, the payment management device 100 can inquire of the supplier system 250 of the primary supplier as to whether or not the amount information needs to be encrypted (FIG. 11), and perform processing.

For the division and distribution of the above-described digital currency, the same handling as in the prior art regarding existing cryptographic assets and electronic money may be adopted as appropriate.

Subsequently, it is assumed that the payment management device 100 receives a payment application in digital currency for the secondary supplier from the supplier system 250 of the primary supplier (s14). It is assumed that the supplier system 250 of the primary supplier at this time applies for payment as described above, triggered by the receipt of the completion notification of the ordering work from the supplier system 250 of the secondary supplier.

In this case, the payment management device 100 refers to the information about the primary supplier in the management DB 125 of the storage device 101, and divides the digital currency for the payment amount indicated by the payment application from the digital currency held by the primary supplier. Then, the digital currency for the payment amount is delivered to the supplier system 250 of the secondary supplier and payment processing is executed (s15).

At this time, the payment management device 100 reduces the digital currency amount of the primary supplier in accordance with the amount subject to payment processing in the management DB 125 in the storage device 101 . Also, payment management device 100 generates and registers a record of the content of payment processing in history DB 127 of storage device 101 .

Further, when distributing digital currency to the supplier system 250 of the secondary supplier in the above-described payment processing, the payment management device 100 identifies the secondary supplier's public key in the key information DB 128, and uses this public key to at least It is preferable if the amount information of the digital currency is encrypted. In this case, the payment management device 100 can inquire of the supplier system 250 of the secondary supplier (FIG. 12) as to whether or not the amount information needs to be encrypted, and perform processing.

Subsequently, for example, the payment management device 100 receives a cash conversion application from the secondary supplier's supplier system 250 for the digital currency that was subject to the above-described payment processing in s15, that is, the digital currency obtained by the secondary supplier. (s16).

When receiving such a cash conversion application, the payment management device 100 receives access from the supplier system 250 of the secondary supplier and distributes information on the conversion fee for each digital currency currently held by the secondary supplier (Fig. 13 ), and it may be assumed that the target designation of the cash conversion application is accepted (Fig. 14). The conversion fee also includes a discount charge for early conversion before the deadline for cash conversion, and the supplier in this embodiment is based on the creditworthiness of the buyer (not the creditworthiness of the supplier holding the digital currency). will be enjoyed at the time of conversion. In that case, the supplier will be able to redeem or cash at a fee that would not have been applied in the past, and the burden of fees would be reduced.

In this case, the payment management device 100 identifies information on each unconverted digital currency currently held by the secondary supplier based on the payment history and conversion history of the secondary supplier in the history DB 127 .

This specific process is a record that includes a processing date in a certain period (the period before the conversion deadline, such as the most recent month), "Processing content" is "Payment", and "Processing target" is a secondary supplier The process of calculating the amount of digital currency acquired by the secondary supplier during the relevant period by aggregating the target amount indicated by the record, and the record that includes the processing date during the same period, and the "processing content" is "convert" , aggregate the target amount indicated by the records in which the "holder of digital currency" is a secondary supplier, calculate the amount of digital currency converted into cash by the secondary supplier during the corresponding period, and calculate the difference This corresponds to the process of calculating

The payment management device 100 is assumed to identify the information on the unconverted digital currency as described above for each issuer of the digital currency, that is, for each buyer. In this case, the above identification may be performed for each “credit limit setting source”, that is, each buyer among the records in the history DB 127 .

Subsequently, the payment management device 100 identifies the account information of the secondary supplier in the account information DB 126 based on the cash conversion application received from the supplier system 250 of the secondary supplier, From the cash account linked to the buyer's credit limit described above, a conversion process is executed to pay the account of the secondary supplier (s17), and the process ends.

Note that the payment management device 100 uses a calendar function (computer device generally provided) to notify the arrival of the cash conversion deadline for the digital currency in addition to the case of receiving the cash conversion application and executing the conversion processing as described above. In that case, in the same way as described above, the person and the amount for which the conversion process has not been completed are specified in the history DB 127, the account information of the relevant person is specified in the account information DB 126, and the amount of cash for which the conversion process has not been completed is The cash account associated with the credit limit may be paid to the target person's account.

Alternatively, when receiving a notification of completion of order acceptance from the supplier system 250 of the primary supplier or secondary supplier who is the contractor, the above-mentioned conversion process is automatically performed for the digital currency that has been paid for the order acceptance to the supplier. It may be executed.

Although the best mode for carrying out the present invention has been specifically described above, the present invention is not limited to this, and can be variously modified without departing from the scope of the invention.

According to this embodiment, regardless of the position in the hierarchical structure of the supply chain, the collection of funds can be expedited and the cash flow can be made appropriate.

At least the following will be clarified by the description of this specification. That is, in the payment management device of the present embodiment, when the computing device receives an application for issuance of digital currency with a predetermined denomination based on the credit limit from the terminal of the predetermined member who is the orderer in the supply chain , a process of generating the digital currency of the denomination and delivering it to the terminal of the predetermined member, and reducing the credit limit according to the denomination and storing information of the generated digital currency in the storage device; It may be assumed that it is to be executed further.

According to this, it is possible to efficiently issue the digital currency in response to a request from the orderer, and to update information such as the credit limit of the orderer and the balance of the digital currency according to the information. This leads to more efficient payment management. As a result, regardless of the position in the hierarchical structure of the supply chain, it is possible to speed up the collection of funds and make the cash management more appropriate.

Further, in the payment management device of the present embodiment, in the payment processing, the computing device stores the payment history including each information of the member who is the target of the payment processing with the digital currency and the payment amount. Further executing a process of storing in a device and a process of storing in the storage device a conversion history including each information of the member who was the target of the conversion process and the amount of the deposit at the time of the conversion process, and When the cash conversion deadline for the digital currency arrives, among the members who have been subject to the payment processing with the digital currency, the person and the amount for which the conversion processing has not been completed are recorded in the payment history of the storage device and the conversion amount. The history is collated and identified, the account information of the identified incomplete person is identified in the storage device, and the amount of cash for which the conversion process is incomplete is extracted from the cash account linked to the credit limit, from the account information may further execute a process of depositing money into the account indicated by .

According to this, for contractors who want to focus on their original business, the work to convert digital currency into cash can be reduced, making it easier to maintain operational efficiency appropriately, and the collection of funds due to forgetting to apply for cash conversion. Delays can be effectively avoided. In addition, when the cash conversion fee expires with the arrival of the cash conversion deadline, the cash conversion is automatically executed with the lowest fee, and the fund recovery rate is appropriate. As a result, regardless of the position in the hierarchical structure of the supply chain, it is possible to speed up the collection of funds and make the cash management more appropriate.

In addition, in the payment management device of the present embodiment, the storage device stores, as the information on the credit limit or the information on the digital currency, the amount of the digital currency according to the result of credit examination by the financial institution regarding the predetermined members. Information on the conversion fee is further held, and the computing device stores information on each unconverted digital currency currently held by the other member in the payment history and the conversion history in the storage device. and extracting information on the conversion fee related to each of the specified digital currencies from the storage device, and processing to distribute the information on the conversion fee to the terminals of the other members. It may be

According to this, for contractors who need to carefully consider and carry out cash flow operations, it will be easier to consider when to convert each digital currency received in the payment process of each case into cash. Business accuracy tends to be good. This will lead to an accurate determination of the appropriate timing of fund collection from the viewpoint of controlling costs (conversion fees) associated with fund collection. As a result, regardless of the position in the hierarchical structure of the supply chain, it is possible to speed up the collection of funds and make the cash management more appropriate.

In addition, in the payment management device of the present embodiment, the computing device receives from the terminal of the other member, to which the information on the conversion fee is distributed, the digital currency indicated by the information on the conversion fee. The conversion process may be executed when the conversion application is received.

According to this, in response to a cash conversion application from a contractor who needs to seriously consider and execute cash flow operations, the conversion process is quickly executed, leading to good cash flow at the contractor. sell. As a result, regardless of the position in the hierarchical structure of the supply chain, it is possible to speed up the collection of funds and make the cash management more appropriate.

In addition, in the payment management device of the present embodiment, when the computing device receives a completion notification of the order reception work from the terminal of another member who is the contractor, payment processing is performed for the other member regarding the order reception work. For digital currency, the conversion process may be automatically executed.

According to this, for contractors who want to focus on their original business, the work to convert digital currency into cash can be reduced, making it easier to maintain operational efficiency appropriately, and the collection of funds due to forgetting to apply for cash conversion. Delays can be effectively avoided. As a result, regardless of the position in the hierarchical structure of the supply chain, it is possible to speed up the collection of funds and make the cash management more appropriate.

Further, in the payment management device of the present embodiment, when the computing device distributes the digital currency from the terminal of the predetermined member to the terminal of the other member during the payment process, the other member's A process of encrypting at least the amount information of the digital currency with a public key may be further performed.

According to this, when digital currency is issued as payment processing from an orderer to a contractor, it is possible to construct a state in which only the contractor can know the payment amount with its own secret key in the supply chain. This will reduce the technical and psychological obstacles to the introduction of this payment management technology for business operators who want to keep their transactions confidential, and will facilitate the spread of such introduction in various places. As a result, regardless of the position in the hierarchical structure of the supply chain, it is possible to speed up the collection of funds and make the cash management more appropriate.

Further, in the payment management device of the present embodiment, when the computing device distributes the digital currency generated in response to the issuance application to the terminal of the predetermined member, at least the It may further execute a process of encrypting the amount information of the digital currency.

According to this, when a financial institution issues a digital currency based on a credit limit set for an orderer, it is possible to build a state in which only the orderer in the supply chain can know the issue amount with its own private key. This will reduce the technical and psychological obstacles to the introduction of this payment management technology for business operators who want to keep their transactions confidential, and will facilitate the spread of such introduction in various places. As a result, regardless of the position in the hierarchical structure of the supply chain, it is possible to speed up the collection of funds and make the cash management more appropriate.

1 network 10 payment management system 100 payment management device 101 storage device 102 program 103 memory 104 arithmetic device 105 communication device 125 management DB
126 Account Information DB
127 History DB
128 key information DB
200 Buyer system 250 Supplier system 300 Financial institution system

Claims (10)

Information on a credit limit with guaranteed convertibility to cash issued by a financial institution with a specified member of the supply chain as the obligor, and information on a digital currency issued based on the credit limit for the specified member; a storage device holding account information of each member of the supply chain;
When an application for payment in the digital currency to another member who is a contractor in the supply chain is received from the terminal of the predetermined member who is the orderer in the supply chain, the predetermined Payment processing for dividing the digital currency of the member's digital currency for the payment amount indicated by the payment application and delivering the digital currency for the payment amount to the terminal of the other member, and from the terminal of the other member , when an application for cash conversion of the digital currency is received, the account information of the other member is specified in the storage device, and the cash of the denomination indicated by the cash conversion application is transferred from the cash account linked to the credit limit to the A computing device that executes a conversion process of depositing money to an account indicated by the account information;
A payment management device comprising: The computing device is
When an application for issuance of digital currency of a predetermined denomination based on the credit limit is received from the terminal of the predetermined member who is the orderer in the supply chain, the digital currency of the denomination is generated and sent to the terminal of the predetermined member. While distributing, further executing a process of reducing the credit limit according to the denomination and storing information of the generated digital currency in the storage device,
The payment management device according to claim 1, characterized by: The computing device is
When the payment process is performed, a process of storing the payment history including information on the member subject to the payment process using the digital currency and the payment amount in the storage device, and when the conversion process is performed, the target of the conversion process. Further executing a process of storing a conversion history including information on the member who became a member and the amount of the deposit in the storage device,
When the predetermined deadline for cash conversion of the digital currency arrives, among the members who have been the target of the payment processing with the digital currency, the person and the amount for which the conversion processing has not been completed are stored in the payment history of the storage device. and identify the account information of the identified incomplete person in the storage device, and extract the amount of cash for which the conversion process is incomplete from the cash account linked to the credit limit, It further executes a process of depositing money to the account indicated by the account information,
The payment management device according to claim 1, characterized by: The storage device
As information on the credit limit or information on the digital currency, it further holds information on the conversion fee of the digital currency according to the result of the credit examination by the financial institution regarding the predetermined member,
The computing device is
Identify the information of each unconverted digital currency currently held by the other member based on the payment history and the conversion history in the storage device, and the information of the conversion fee for each identified digital currency , a process of extracting from the storage device and a process of distributing the information of the conversion fee to the terminal of the other member,
4. The payment management device according to claim 3, characterized by: The computing device is
When a cash conversion application designating a digital currency indicated by the information on the conversion fee is received from the terminal of the other member to whom the information on the conversion fee is distributed, the conversion processing is executed. ,
5. The payment management device according to claim 4, characterized by: The computing device is
When receiving a notice of completion of the order work from the terminal of another member who is the contractor, the conversion process is automatically executed for the digital currency paid for the order work to the other member.
The payment management device according to claim 1, characterized by: The computing device is
When the digital currency is distributed from the terminal of the predetermined member to the terminal of the other member during the payment process, a process of encrypting at least the amount information of the digital currency with the public key of the other member. which further executes
The payment management device according to claim 1, characterized by: The computing device is
When distributing the digital currency generated in response to the issuance application to the terminal of the predetermined member, a process of encrypting at least the amount information of the digital currency with the public key of the predetermined member is further executed. be,
3. The payment management device according to claim 2, characterized by: The information processing device
Information on a credit limit with guaranteed convertibility to cash issued by a financial institution with a specified member of the supply chain as the obligor, and information on a digital currency issued based on the credit limit for the specified member; A storage device that holds account information of each member of the supply chain,
When an application for payment in the digital currency to another member who is a contractor in the supply chain is received from the terminal of the predetermined member who is the orderer in the supply chain, the predetermined Payment processing for dividing the digital currency for the payment amount indicated by the payment application from the digital currency of the member and delivering the digital currency for the payment amount to the terminal of the other member;
When an application for cash conversion of the digital currency is received from the other member's terminal, the account information of the other member is specified in the storage device, and the cash of the denomination indicated by the cash conversion application is applied to the credit limit A conversion process of depositing money from the linked cash account to the account indicated by the account information;
A payment management method characterized by executing Information on a credit limit with guaranteed convertibility to cash issued by a financial institution with a specified member of the supply chain as the obligor, and information on a digital currency issued based on the credit limit for the specified member; a storage device holding account information of each member of the supply chain;
When an application for payment in the digital currency to another member who is a contractor in the supply chain is received from the terminal of the predetermined member who is the orderer in the supply chain, the predetermined Payment processing for dividing the digital currency of the member's digital currency for the payment amount indicated by the payment application and delivering the digital currency for the payment amount to the terminal of the other member, and from the terminal of the other member , when an application for cash conversion of the digital currency is received, the account information of the other member is specified in the storage device, and the cash of the denomination indicated by the cash conversion application is transferred from the cash account linked to the credit limit to the A computing device that executes a conversion process for depositing money into an account indicated by the account information;
A payment management system comprising:

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