CN101111861A - Multi-party transaction processing system and approach - Google Patents
Multi-party transaction processing system and approach Download PDFInfo
- Publication number
- CN101111861A CN101111861A CNA2005800474596A CN200580047459A CN101111861A CN 101111861 A CN101111861 A CN 101111861A CN A2005800474596 A CNA2005800474596 A CN A2005800474596A CN 200580047459 A CN200580047459 A CN 200580047459A CN 101111861 A CN101111861 A CN 101111861A
- Authority
- CN
- China
- Prior art keywords
- seller
- transaction
- agreement
- buyer
- intermediary
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Images
Abstract
Transaction management for processing payment-related aspects of transactions is facilitated. According to an example embodiment of the present invention, a transaction management approach involves the automatic processing of payments to multiple parties with payment chains extending through intermediary sellers. In some instances, an intermediary seller contracts with a buyer for goods and/or services, and further contracts with one or more performing sellers (e.g., suppliers) for the provision of the goods and/or services. In these instances, funds designated to the buyer (e.g., from a buyer's account or credit line) are transferred to the performing seller or parties in a manner commensurate with the contract between the intermediary seller and the performing seller or sellers. Additional funds are transferred from the buyer to the intermediary seller commensurate with the contract between the buyer and the intermediary seller, less any amount paid to the performing seller or sellers for a particular transaction.
Description
Invention field
The present invention is directed to the communication and the data processing that relate to because of the relatively audit of complicated transaction of participating in business in many ways.
Background technology
Contract in the exchange of commercial product between the related buyer, the seller, financial institution and other each side and the mutual service management of concluding the business is normally worked and time-intensive.Usually, the too heavy and poor efficiency of the process of the transaction between the management enterprise entity.
Many transaction relate to the each side on the different levels that are in payment hierarchy.For example, when the middle seller sells product or when service to the buyer, it is usually from part or all of product or the service of the seller that honours an agreement (being supplier) buying (promptly buying).Fulfil the seller and provide goods and/or service to the buyer according to fulfiling directly or indirectly with the contract of intermediary seller.Intermediary seller is to buyer's invoicing of transaction, and this buyer pays intermediary seller according to the clause of contract price between the buyer and the intermediary seller.Honour an agreement the seller correspondingly according to intermediary seller and the clause that covers contract price between the capable seller intermediary seller invoicing to transaction.
Another example is concluded the business in many ways and is related to shipment transactions.In many shipment transactions, often there are consignor (arranging the entity of the shipment of goods), carrier's (entity that conveys goods), seller's (entity of sell out) and buyer's (receiving the entity of goods).Usually, the seller is as consignor and arrange the shipment of goods.Like this, consignor as intermediary seller and the carrier as the seller that honours an agreement.
In other transaction, the seller and the buyer who only buys service or goods settle a bargain.The seller is performance of the contract sometimes.And other the time, the seller and supplier settle a bargain operative part or whole contracts (that is, providing part or all of goods and/or service).In this example, the seller is as the third side, and the buyer agrees to pay the amount of money of arranging between the seller and the buyer.The seller and then pay the amount of money of arranging between the seller and the buyer with purpose supplier.
In above-mentioned each example, for each contract in the contract chain between the buyer, third side and other side, need various invoices and relevant action (record keeping, adjustment etc.).These actions be consuming time, be easy to make mistakes and in fact usually be repetition.For example, in payment step, the financial institution of the difference side of representative transaction must be mutual mutually.This is usually directed to be convenient to the complex protocol of funds transfer alternately with related.Sometimes, can there be the dispute of delays in payment or settlement term aspect.In addition, this process is very easy to make mistakes.Mutual complicacy between each side, delay, administrative errors and with handle other obstacle that payment is associated and can spend a side of transaction or (comprise financial institution) in many ways substantial contribution.
The competition of most industries is very fierce, and therefore any cost savings are all very important.Handling cost becomes the target of reduction, because management function does not directly produce income.Yet,, in current business environment, be difficult to reduce the handling cost that is associated with business transaction with regard to the data of wide dispersion.
The management of business transaction and coordinate in above-mentioned and other difficulty those participate in financial institutions and other each side-proposed management and cost challenge to the business entity of the various aspects of participating in business-comprise.
Summary of the invention
The present invention is directed to and overcome above-mentioned challenge and use other relevant challenge with the equipment of the above-mentioned type and application and other.The present invention has carried out example in a plurality of realizations with in using, and below a part is wherein concluded.
According to one example embodiment, payment according between the side of dealing with and the third side and third side and the contract between the debit of answering answer the debit to realize from dealing with direction.
According to another example embodiment of the present invention, automated transaction processing system is suitable for being convenient to the commentaries on classics that the buyer, intermediary seller and the 3rd honour an agreement between the seller and pays (pay-through-payment) transaction.This system is suitable for purchase-transaction and the intermediary seller between the access buyer and the intermediary seller and the Transaction Information of fulfiling transaction (fulfillment transaction) between the seller of honouring an agreement, and this has realized at least a portion of purchase-transaction.Payment is convenient to represent intermediary seller directly to carry out to the seller that honours an agreement according to fulfiling transaction.Further payment is convenient to according to purchase-transaction and is fulfiled transaction and represent the buyer to carry out to intermediary seller, and this payment is confirmed as Zhi Fuyu and fulfils difference between the trading value.
In some instances, represent the buyer to realize above-mentioned payment to reduce or to prevent that the buyer from finding out to the mode of the amount of money of the seller and the seller payments of honouring an agreement.In other example, when representing the buyer to realize above-mentioned payment, reduce or prevent that the buyer from finding out the seller's that honours an agreement identity.
Above-mentioned conclusion of the present invention is not intended to illustrate each example embodiment of the present invention or each realization.The following drawings and these embodiment that described more specifically illustration in detail.
Brief description of drawings
When considering the detailed description of various embodiments of the present invention in conjunction with the accompanying drawings, can more fully understand the present invention, in the accompanying drawings:
Fig. 1 illustrates traction processing apparatus and method according to one example embodiment;
Fig. 2 illustrates the device and method that is used to manage the shipping relationship trading according to another example embodiment of the present invention;
Fig. 3 illustrates the apparatus and method of handling transaction payment that relate to according to another example embodiment of the present invention, and comprising changes the method for paying; And
Fig. 4 illustrates the process flow diagram that transaction payment is handled that is used for according to an example embodiment more of the present invention.
Though the present invention has been easy to various modifications and replacement form, its details illustrates as example in the accompanying drawings and will be described in detail.Yet, should be appreciated that and might not be intended to limit the invention to described specific embodiment.On the contrary, be intended to contain all variants, equivalence techniques scheme and the alternative that drops in the spirit and scope of the present invention that limit by appended claims.
Describe in detail
Believe that the present invention can be applicable to various dissimilar communications and financial process management approaches, and found that the payment relationship trading is handled and the realization and the application of related fields are particularly useful for relating in the present invention.Though the present invention not necessarily is limited to these methods, can understand various aspects of the present invention by the discussion of each example by using these and other background.
According to one example embodiment, the payment management method relate to the clause of the contract of intermediary seller under use and pay processing to the seller's that honours an agreement that transaction article (for example, goods and/or service) are provided commentaries on classics the fund of buyer's appointment of settling a bargain with the intermediary seller of transaction.
In some applications, payment is directly carried out the seller that honours an agreement from buyer's fund, such as by bank current account or from having credit to provide the credit providing gear of contract with the buyer.The method has reduced represents the buyer to intermediary seller and and then represent the separate payment of intermediary seller to the seller that honours an agreement.
In some applications, use to the fund of buyer's appointment and assure intermediary seller and the contract between the seller of honouring an agreement.For example, normally do not have in intermediary seller under the internuncial situation of transaction of rich capital, use the fund that provides by the buyer to assure the financial aspect that internuncial contract (transaction) can be convenient to conclude the business.Financing to contract of guaranty provides by the fund that is assigned to the buyer.In some instances, assessment is assured the expense of function and any fund to the intermediary seller payment that is provided by the buyer is provided.
According to another example embodiment of the present invention, the payment chain approach fund to buyer's appointment easy to use represents the buyer (or the side of dealing with) to intermediary seller and represent intermediary seller to carry out payment to the transaction that relates to all three partss to the seller that honours an agreement.The buyer is usually in response to the amount of money of paying from the single payment request of intermediary seller based on the contract between the buyer and the intermediary seller.This transaction processing system is configured to then the amount of money that conforms to each seller (the middle and seller that honours an agreement) Zhi Fuyu contract between the seller and the intermediary seller of honouring an agreement.In some instances, this contract of honouring an agreement between the seller and the intermediary seller has reflected specific goods and/or service buying rate sometime.
To intermediary seller effectively the amount of money of payment be that the buyer pays the price difference of the seller that honours an agreement (or in many ways) between paying.Like this, the payment that intermediary seller obtains is the price markup (and in some instances, service regeulations automatically implement price markup in the automated transaction negotiation) that is relevant to the seller's that honours an agreement real cost.(on behalf of the buyer) account, and any price difference or in many ways pay to intermediary seller to be transferred into the seller that honours an agreement to the fund (for example, bank current account or credit limit) of buyer's appointment.Deal with less than intermediary seller in the total charge of buyer paid under one or more sellers' of honouring an agreement the situation of the amount of money (that is, intermediary seller sustains a loss), fund also from account's account transfer of the middle seller to honouring an agreement the seller or in many ways.
According to another example embodiment of the present invention, central transaction system is convenient to relate to the multilayer payment of paying party (for example, the buyer) and two or more beneficiaries (for example, the intermediary seller and/or the seller/supplier that honours an agreement).Central transaction system can be programmed and be used to carry out various multilayer payments, such as the payment that relates to above-mentioned one or more methods.The each side of central transaction system and transaction is mutual and use Transaction Information (for example, contractual terms and conditions, each side's user profile etc.) to estimate to pay relevant provision.In case settlement term are set, central transaction system just uses these clauses to realize payment, comprises automatically determining each beneficiary amount receivable and being convenient to from paying party to the beneficiary transfer fund.
In an example embodiment more of the present invention, the business rule (for example, included in the profile information) that the central transaction management system use is associated with parties is handled the financial transaction (that is payment) between the each side.When central trade managing system received Transaction Information, information was associated with each parties and/or particular transaction.This association generally includes being complementary such as Given informations such as parties identification information and/or transaction ID information of making in Transaction Information and the database to be stored.Central transaction management system uses the business rule of affiliated party and/or transaction to come processes financial transactions.For example, central transaction management system realizes the contract price clause that is associated with transaction under situation about being suitable for, to determine from the buyer to honouring an agreement and the amount of money that intermediary seller is paid such as above-mentioned transaction.
Can make in ining all sorts of ways one or more store employed business rules of central transaction management system and/or contract information.In one implementation, the addressable database of central transaction management system is used to store mark or other identification characteristics that business rule is associated with particular transaction party.As long as central transaction management system energy accessing database is also controlled other entity to this access of database, this database just can be a Local or Remote to central transaction management system.
Referring now to accompanying drawing,, Fig. 1 illustrates according to the traction processing apparatus of another example embodiment of the present invention and method.The payment to the transaction of execution between the buyer and the side of honouring an agreement is managed in goods that transaction system 105 will be paid according to the buyer and/or service.As example a plurality of parties that comprise buyer 110-118, intermediary seller 120-124 and honour an agreement seller 130-136 are shown here.Though show some buyer, intermediary seller and the seller that honours an agreement, this example embodiment and correlation technique can be applicable to the parties of other type that can relate in a plurality of these class parties and the various situation.
The configuration file 142 of the each side that the storage of transaction system 105 Local or Remote ground is participated in business.In addition, transaction system 105 can be carried out contractual terms and conditions 140 and the business rule 144 with configuration file 142 or otherwise storage.In some instances, configuration file 142 comprise when carrying out transaction employed business rule 144 and/or contractual terms and conditions 140 and with the user (for example, the buyer, the seller or intermediary seller) relevant out of Memory, such as be provided with about transaction 105 and the user between the information of agreement.Store with each user's configuration file and be used to control visit such as access control informations such as user ID and encrypted messages this side's profile information.In addition, the financial information (for example, financial institution's account information) of the abundance that also is useful on the transfer of funds that realizes certain party of storing with configuration file.Use this profile information, transaction system 105 can be handled the transaction (use to change and pay processor 146) of certain party and identify this side and allow this its configuration file of side's visit.
About (that is, the entity of operation transaction system) information also can be stored with transaction system, and is used as and the guaranty money who is associated that facilitates who concludes the business with transaction system 105 associated finance mechanisms.In some instances, transaction system 105 usefulness are at first come typical example such as the aforesaid intermediary seller function of tendering guarantee by the fund that provides to the seller that honours an agreement with transaction system associated finance mechanism.Then, the fund of buyer's appointment that the seller participated in business to honouring an agreement is used to the expense of the fund of tendering guarantee.The middle seller correspondingly is provided by the expense that is associated with the guarantee fund that is provided, and in some instances, these expenses are taken from by the buyer provides the fund of paying intermediary seller.
Each buyer 110 to 118 and the intermediary seller (120 to 124) of transaction or one or more the settling a bargain among the seller that honours an agreement (130 to 136).And then, under the situation that one of intermediary seller 120 to 124 and the buyer settle a bargain, this intermediary seller can be randomly with the seller 130 to 136 that honours an agreement in one or more subcontracts, with according to honouring an agreement with the buyer's contract.Like this, transaction system 105 uses configuration file 142, business rule 144 or other transaction related information to identify contractual terms and conditions (randomly realizing with contractual terms and conditions 140), and uses contractual terms and conditions to realize payment.When certain buyer during because of the particular transaction payables, transaction system 105 with fund from financial institution's account transfer of the buyer to the centre of participating in business and the seller that honours an agreement.Goods that is provided as particular buyer owes debit (seller honours an agreement) or service and should be when intermediary seller is paid the bill be changeed and are paid a processor 146 and be convenient to from certain buyer to the direct payment of answering the debit.Each seller receives the amount of money of the contract that meets itself and third side.Intermediary seller receives that the amount of money of the contract that meets itself and the buyer deducts any amount of money to the seller payments of honouring an agreement.
In some applications, the operation side of transaction system 105 and the agreement between the side of participating in business relate to a side who concludes the business or the expense of assessing in many ways based on transaction.Depend on transaction character, with contract agreement and other Consideration of all parties, the side that these expenses can be applicable to conclude the business or in many ways.In some applications, the percentage of the price by getting particular transaction is recently estimated this expense to seller's (or intermediary seller).In some application of a plurality of sellers that relate to particular transaction, 105 pairs of each seller assessments of transaction system are corresponding to the expense of the part of the total turnover that particular vendors received.For example, in intermediary seller and the buyer settles a bargain and correspondingly conclude under the situation of subcontract with the seller that honours an agreement of same transaction, middle and the seller that honours an agreement are assessed the expense that conforms to the amount of money of paying each side respectively.In some applications, change pair 146 pairs of centres of processor and the correspondingly survey fee usefulness of the seller of honouring an agreement.
In other example, contractual terms and conditions 140 are specified the expense of how assessing between all sides.For example, pay in the situation of all expenses in intermediary seller, the seller that honours an agreement is actually the external constituents.Like this, external constituents's can reach an agreement with the operation side of transaction system 105 (and contractual terms and conditions 140 that conform to).Here, will be to middle seller assessment to arbitrary amount of money of intermediary seller payment and to the expense based on transaction of the amount of money of the seller payments of honouring an agreement.On transaction system 105, pay a processor 140 and carry out various other contracts settings similarly to be fit to the particular transaction needs by contractual terms and conditions 140 and commentaries on classics.
Below use example and describe a type of financial transaction that relates to the buyer 110, intermediary seller 120 and two the honour an agreement seller 130 and 132.Here, the buyer 110 and intermediary seller 120 are concluded the contract of the shipment transactions of transporting goods between starting point and destination.Contractual terms and conditions are stored as contractual terms and conditions 140.The buyer 110, intermediary seller 120 and the seller 130 and 132 that honours an agreement have the configuration file with configuration file 142 storages separately.The business rule of each side is stored as business rule 144.In some instances, the starting point has different transaction (for example shipping) regular city, state or country with the destination, in the business rule operation of these local each common carriers (seller) according to corresponding place.Intermediary seller 120 and then settle a bargain goods is transported to transfer ground from the starting point with the seller 130 (carrier) that honours an agreement.Intermediary seller 120 is settled a bargain with the seller 120 that honours an agreement again, with goods from transfer be transported to the destination.
In some instances, intermediary seller 120 transmit goods along conveying goods on the part of haulage track.For example replace above-mentioned route or increase the intermediary seller transhipment beyond above-mentioned route, these routes will otherwise be carried out by one in the honour an agreement seller 130 and 132.Like this, intermediary seller 120 is simultaneously as honouring an agreement the seller and intermediary seller, and transaction system 105 transfer fund correspondingly.
In above-mentioned application example, when carried out to the transaction payment the time, transaction system 105 based on contract (for example, transaction profile) information is convenient to the transfer of fund to each appropriate parties.For example, when the middle seller's 120 invoicings and the buyer's 110 these invoices of agreement, transaction system 105 signs are dealt with the amount of money of the honour an agreement seller 130 and 132.This sign can be convenient to pay execution on the processor 146 to the commentaries on classics of suitable take over party's transfer fund equally.According to the terms of price that identified in the contract between the corresponding seller of honouring an agreement and the intermediary seller 120, fund is transferred to the seller 130 and 132 that respectively honours an agreement (paying a processor 146 via changeing) from the buyer 110 financial institution.Also deduct to the seller 130 and 132 amount of money of paying of honouring an agreement, fund is transferred to intermediary seller 120 from the buyer 110 financial institution according to the terms of price that identified in the contract between intermediary seller 120 and the buyer 100.
In one implementation, transaction system 105 uses certain limited information that makes transaction each side see particular transaction such as visit informations such as password and other secrecy provisions.For example, reuse above-mentioned application example, the buyer 110 can be granted the information of access identities shipment status, but is not granted the information of visit about actual the honour an agreement seller 130 and 132.Similarly, the seller 130 and 132 that respectively honours an agreement can be granted the information of visit about its shipment transactions part respectively, such as pay status, but is not granted the information of visit about the actual buyer 110 or other seller.
In another is realized, the business rules of the transaction system 105 transaction easy to use each side contract information of consulting and/or manage conflict.For example, in the situation of contractual terms and conditions conflict, can accept or carry out flexibly the variation of Substitution Rules or rule, so that regulate contract automatically.
In another example embodiment, transaction system 105 is convenient to use to the financial institution of representative transaction each side and/or the information that directly provides to each parties to keep accounts from the line item angle.Separate with line item as the project of transaction agent or the unit price and the expansion expense of service.The position of logical design from some is realized, each transaction has one or more line items, and each line item can be provided by one or more suppliers (for example, supply chain partner).Each combination of line item and one or more supply chain partners has desired bill cost (unit and expansion).That is, in the situation of line item at the particular transaction item, this line item and the one or more suppliers goods or the service supplier of middle or the side of honouring an agreement (for example, as) that fulfil the transaction article are associated with the bill cost of expecting.Supply chain partner both can be used as the order supplier's existence that the disburser is had the influence of additional pay chain, also can be used as reseller and exist, and final disburser can't see the distribution of paying the bill between two adjacent payment chain members.Referring again to Fig. 1 and above-mentioned application example embodiment, when cargo service was the main body of single line item, intermediary seller 120 was each the supply chain partners of honouring an agreement in the seller 130 and 132.The supply chain of single line item comprises: a plurality of sellers of third side and this chain next stage.
Referring again to Fig. 1, according to another example embodiment of the present invention, transaction system 105 be suitable for making the transaction each side can be according to user profile and/or business rule access transaction information.Relate in the situation of the Separate Contract between third side and the buyer and (a plurality of) seller in transaction, the buyer and (a plurality of) seller are given the limited access right of watching about each other information.For example, settle a bargain, also settle a bargain with the seller independently and fulfil in the situation of transaction with specified amount with the buyer of transaction, can desirably make specified amount keep proprietary with different (that is, lower) amount of money the third side.Like this, do not allow seller's visit can identify the transaction system 105 of the amount of money (or in some instances, identifying the buyer).This buyer is subjected to similar restriction.This access method for example can be used, and third side's profile information or business rule realize.
In other was realized, transaction system 105 permits access were selected information, are kept protected access to relevant information simultaneously.For example, can allow the buyer to check and needn't give access right seller's identity from the state of the seller's order goods cloud.Similarly, can allow the seller to check the receive status of the buyer to goods and/or service, and the identity of not visiting the buyer.
Once more referring to Fig. 1, another example embodiment relates to according to one of buyer and the contract between one of seller of honouring an agreement the payment processes of transaction.Separate Contract (being reflected in some instances in the business rule 144) between one of among one of the buyer and one of the seller that honours an agreement one or two and seller's (intermediary seller) is further used in processing.For example, the buyer 110 can directly settle a bargain with the seller 130 that honours an agreement who employs such as intermediary seller 120 such as Customer Service Representative or third-party logistics's entities, to monitor or otherwise to promote transaction.Contract price can and be honoured an agreement between the seller 130 and to set the buyer 110, and wherein part contract price (for example, set up fee with and/or the number percent of contract price) is paid the intermediate management seller 120.Payment is undertaken by changeing a pair processor 146, thereby is convenient to from the buyer 110 to the intermediary seller 120 and the seller's 130 payments of honouring an agreement.
As another example, the buyer 110 can directly settle a bargain with the seller 130 that honours an agreement, and the buyer further settles a bargain with the intermediate management seller 120 who facilitates transaction.Pay in the part contract price under the intermediate management seller 120 the situation, once more the buyer 110 with cover contract price (for example, honouring an agreement the seller 130 agree to pay from contract price under the intermediate management seller's the situation) is set between the seller 130 approximately.With said method similarly, change to pay a processor 146 and carry out payment once more, thereby be convenient to pay to the intermediate management seller 120 and the seller 130 that honours an agreement from the buyer 110.
In another embodiment, two or more sellers that honour an agreement supply product and/or the goods relevant with particular transaction under hierarchical relational.For example, referring to Fig. 1, can relate to goods to transaction between the buyer 110 and the intermediary seller 120 from another seller 132 that honours an agreement from the seller's 120 that honours an agreement goods.Therefore, as mentioned above, the seller 120 of honouring an agreement is as honouring an agreement the seller and as intermediary seller.For example, comprising the situation of goods " A " and " B " to the order " X " that intermediary seller 120 is sent that intermediary seller can be settled a bargain to supply all goods " A " and " B " with the seller 130 that honours an agreement from the buyer 110.Honour an agreement the seller 130 so that can be from the seller 132 buying " A " and " B " of honouring an agreement part or all of.The clause of agreement that relates to all each side is with transaction system 105 storage, and payment is (use is from the buyer 110 fund) of represent buyer 110 to realize to intermediary seller 120 and the corresponding amount of money from each seller to the seller 130 and 132 that honours an agreement that represent intermediary seller to should collect with.
Fig. 2 illustrates the payment correlation technique that is used to relate to consignor and one or more carrier and/or carrier agency's shipment transactions according to another example embodiment of the present invention a kind of.For about the general information of transaction and for about the shipping class transaction that can realize in conjunction with the present invention and the specifying information of method, can be with reference to the U.S. Patent No. 5,910,896 of authorizing Nahn-Carlson, its content all is included in this by reference.
In this example, consumer 210 (for example, the consignor or the buyer) and two different transportation entities 220 and 230 (for example, intermediary seller) settle a bargain with respectively goods is transported to from the starting point transhipment ground and from transhipment be transported to the destination.Each transportation entities 220 and 230 and corresponding subcontract carriers 225 and 235 (for example, honour an agreement the seller) correspondingly conclude the subcontract that goods transports.
In addition, subcontract carriers 225 and 235 is not the access right that must have about the information of any contract between the corresponding transportation entities of consumer 210 or consumer and conclusion subcontract.Similarly, each respective carrier 225 and 235 can not known the shipping part by other respective carrier realization.
Fig. 3 illustrates another example embodiment according to the present invention and handles the device 300 relate to the processing transaction of paying to the seller's that honours an agreement commentaries on classics from the buyer to the payment of intermediary seller and by intermediary seller from the buyer with a correlating method, and wherein intermediary seller has been concluded contract with the seller that honours an agreement.This device 300 comprises: transaction processor 320 and cross over the data storage device 330 that many Local or Remote data storage devices are optionally realized.Buyer financial institution 340 is paid to middle and the seller that honours an agreement under the guidance of transaction processor 320.
When on transaction processor 320, receiving payment initiation event data 310, start payment processes.This payment initiation event data 310 can for example be following one or more: invoice, receipt, goods are accepted or from other communication of parties.In some instances, payment initiation event data 310 is such as the automatic payment data that is associated with circulation-trade, and optionally generates on transaction processor.
Event transactions correlation engine 322 makes payment initiation event data 310 be associated with particular transaction, and specific one group of parties of correspondingly participating in business is associated.For ease of this association, the profile/contract request 321 that event transactions correlation engine 322 produces data memory storage 330, this returns the profile/contract data 331 corresponding to payment initiation event data 310.This profile/contract data 331 is from the data of transaction party profiles 332 storage, the buyer-intermediary seller contract data 334 and for example extraction the intermediary seller-seller contract data of honouring an agreement 336 of a side of representative transaction sometime or storage in many ways formerly.Use this information, transaction each side is identified; For the purpose (and for brevity) of this example, described and relate to the buyer and buy the transaction of goods and/or service from the middle seller, wherein intermediary seller with provide the seller that honours an agreement of goods and/or service to settle a bargain separately.
Audit engine 3 24 uses profile/contract data 331 and payment initiation event data 310 to determine whether the opportunity of payment is ripe or suitable.For example, answer in the situation of immediate payment from all invoices of particular intermediary seller in the buyer's configuration file indication, this class invoice that includes payment initiation event data 310 is used for correspondingly determining payment maturation on opportunity.In some applications, payment initiation event data 310 is compared with the buyer-intermediary seller contract data of being stored guaranteeing that payment is correct, and if so, then determine the maturation on opportunity of payment.Under these or other situation, when payment when being suitable, audit engine 3 24 produces to send to changes the payment authorization of paying processor 326.
Change to pay processor 326 also use profile/contract data 331 and payment authorization 325 determine and output to the middle seller's payment 327 and to the seller's that honours an agreement payment 329.In the middle of payment engine 328 is used and the seller's the payments 327 and 329 of honouring an agreement, and provide transaction payment authorization 341 to be used to handle payment from the buyer.Transaction payment authorization 341 comprises the suitable payment that is used for realizing to each of middle and the seller that honours an agreement, and directly realize the time-consuming employed information of transaction processing (for example, taking from one of seller or two receivable amount of money) when appropriate as what can in profile/contract data 311, indicate from buyer's fund.
Buyer financial institution 340 uses transaction payment authorization 341 to produce to the middle seller's 350 payment 341 and to the seller's 360 that honours an agreement payment 343.When appropriate, buyer financial institution 340 also produces the payment of transaction fee 349, and applies that payment to transaction processor 320 (that is the entity of operation transaction processor).In some applications, buyer financial institution 340 provides credit carrying out suitable payment to the buyer effectively, and keeps relevant credit account for the buyer.In some applications, buyer financial institution 340 directly still provides credit all to cooperate with transaction processor 320 to the buyer from buyer's extraction fund, sets suitable transaction fee in this processor.
In the above-mentioned example of describing method shown in Figure 3, various assemblies are included in one or more common apparatus, and optionally comprise the attachment feature of being convenient to conclude the business (for example, included in the patent documentation as the combination of this paper institute).For example, optionally realize changeing a pair processor 326 with payment engine 328 and/or event transactions correlation engine 322 and the engine 3 24 of auditing.In addition, optionally realize with computer installation in conjunction with one or more assemblies or device shown in Figure 3 and that discussed, such as realizing application program by the software of realizing above-mentioned one or more functions.
Fig. 4 is the process flow diagram according to the method that is used to handle the business transaction that relates to the buyer and at least two beneficiaries of an example embodiment more of the present invention.At frame 400, receive and handle payment authorization to particular transaction.At frame 410, payment authorization and particular transaction are complementary.This coupling can relate to for example uses transaction ID or parties identification information in payment authorization.This matching process for example can use the U.S. Patent application No.10/864 that submits in conjunction with on June 9th, 2004, described one or more embodiment of 761 (USBA.120PA) and realize that the content of this application all is included in this by reference.
At frame 420, the business rule and the contractual terms and conditions of particular transaction are retrieved, and are used to determine to the payment middle and seller that honours an agreement at frame 430.In this case, intermediary seller participates in the direct contract with the buyer, and the seller that honours an agreement under the guidance of intermediary seller, fulfil direct contract at part or all of transaction.Retrieve commercial rule and contractual terms and conditions are usually included in frame 410 and use related (coupling) to identify to be suitable for concluding the business each side and/or transaction special use itself one or more groups rule or clause.For example, have both sides under the situation of the fixed-term contract clause (for example, specifying it will pay the number percent of the transaction value of intermediary seller) that does not depend on transaction, these clauses can be used for the difference transaction that clause is suitable for.In each side is under the particular transaction situation of settling a bargain, and uses and these relevant contractual terms and conditions of concluding the business.For the general information of relevant business rule and contractual terms and conditions and for the specifying information of the relevant transaction processing method that can realize in conjunction with one or more example embodiment discussed in this article, can be with reference to the U.S. Patent application No.10/436 that submitted on May 12nd, 2003,878 (USBA.101PA), its content all is included in this by reference.
After frame 430 had been determined the corresponding payment amount of money, using at frame 440 changeed the methods of paying to the seller and the seller payments of honouring an agreement, promptly extract to the fund of buyer's appointment to the intermediary seller payment and by intermediary seller to the seller payments of honouring an agreement.For example, directly specified (for example in fund from the buyer, business rule or configuration file with the buyer) the situation of financial institution under, the buyer's financial institution be instructed to with buyer and seller between the amount of money that conforms to of contract pay, but should pay separated into two parts.The first of payment is to be paid to the seller that honours an agreement by the amount of money of the intermediary seller and the contract setting between the seller of honouring an agreement.The second portion of payment is to be defined by the ordered amount of money of contract between intermediary seller and the one or more seller and to the difference of the amount of money of the seller payments of honouring an agreement the middle seller to be paid.
Though described some aspect of the present invention with reference to several specific example embodiment, those skilled in the art will recognize that and to carry out many variations and not deviate from the spirit and scope of the present invention it.For example, described contractual terms and conditions can realize with the form of the business rule of special entity and can facilitate by the user profile of entity.In addition, a plurality of dissimilar parties also can use said method to realize on the different levels.For example, in the seller's example is honoured an agreement in description, can realize one or more layers this class seller that honours an agreement, wherein respectively honour an agreement sell can thereby as intermediary seller.Aspects of the present invention is set forth in following claims.
Claims (28)
1. automatic trading apparatus that is used to handle the payment of transaction, described transaction is characterized by contractual terms and conditions between the buyer and the intermediary seller and described intermediary seller and the contractual terms and conditions of honouring an agreement between the seller, and described device comprises:
Data storage device, be suitable for storing the contractual terms and conditions and the business rule of each parties, described contractual terms and conditions comprise and are used to audit and realize that data to the centre that participates in common transaction and the seller's that honours an agreement payment, described business rule comprise the financial process data of the funds transfer of the each side that is used to realize each transaction; And
Automated transaction is handled device, be suitable for according at least one the business rule information among the trade contract clause of being stored and the described buyer and the described intermediary seller and the described seller of honouring an agreement, by in the middle of paying and the seller that honours an agreement use in transaction the fund of buyer's appointment handled payment to each transaction automatically.
2. automatic trading apparatus as claimed in claim 1, it is characterized in that, described automated transaction handle device also be suitable for as by the contractual terms and conditions definition of being stored as described in the buyer deal with as described in intermediary seller the amount of money and as described in intermediary seller honour an agreement as described in dealing with the seller's the difference of the amount of money realize to the payment of the transaction of intermediary seller.
3. automatic trading apparatus as claimed in claim 1 is characterized in that, described automated transaction is handled device and is suitable for realizing described business rule information, so that the guarantee function of intermediary seller to the contract between the described intermediary seller and the described seller of honouring an agreement to be provided.
4. automatic trading apparatus as claimed in claim 3 is characterized in that, described automated transaction is handled device and is suitable for realizing described business rule information, provides guarantee function to described intermediary seller so that be used for payment from the buyer.
5. automatic trading apparatus as claimed in claim 4 is characterized in that, described automated transaction is handled device and is suitable for representing described intermediary seller to pay the described seller of honouring an agreement to the fund of described buyer's appointment when the described buyer receives to provide with funds as guarantee by using.
6. automatic trading apparatus as claimed in claim 1, it is characterized in that, described automated transaction is handled device and is further adapted for: the amount of money of dealing with the described seller of honouring an agreement in response to described intermediary seller surpasses the amount of money that the described buyer deals with described intermediary seller, represent described intermediary seller to realize payment with the amount of money equal amount payment of dealing with described intermediary seller with the described buyer, and represent described intermediary seller to realize paying to the described seller of honouring an agreement with the amount of money of dealing with described intermediary seller as the described buyer and the difference that described intermediary seller is dealt with the described seller's of honouring an agreement the amount of money to the described seller of honouring an agreement.
7. automatic trading apparatus as claimed in claim 1, it is characterized in that described automated transaction is handled device and also is suitable for: according to the contractual terms and conditions of contract between the described intermediary seller of being stored and the described seller of honouring an agreement and further determine the amount of money that described intermediary seller is dealt with according to the contractual terms and conditions of contract between the described intermediary seller of being stored and the described buyer.
8. automatic trading apparatus as claimed in claim 7, it is characterized in that, described automated transaction is handled device and also is suitable for: according to the contract between the described intermediary seller and the described seller of honouring an agreement and further according to the contract between the described intermediary seller and the described buyer, deduct the amount of money that the described seller of honouring an agreement deals with by the amount of money from the contract conclusion of the described buyer and described intermediary seller and determine the amount of money that described intermediary seller is dealt with.
9. automatic trading apparatus as claimed in claim 1 is characterized in that,
Described data storage device is suitable for the amount of money of business rule information to be used for determining that transaction each side deals with of storaging mark contract feature; And
Described automated transaction is handled the payment that device is suitable for visiting the business rule information of the described each side that concludes the business that is stored and handles described transaction by the amount of money that the contract feature that use is identified is dealt with respectively with the definite described intermediary seller and the seller that honours an agreement.
10. automatic trading apparatus as claimed in claim 1, it is characterized in that described automated transaction is handled device and is programmed to estimate the expense to described at least one side's payment automatically according to the payment of at least one side's realization in the described seller of honouring an agreement and described intermediary seller.
11. automatic trading apparatus as claimed in claim 10, it is characterized in that, described automated transaction is handled device and is programmed the expense of estimating as to the number percent of each side's payment to cross according to the PayPal that each side is realized, estimates the described seller of honouring an agreement and expense that described intermediary seller is paid.
12. automatic trading apparatus as claimed in claim 10, it is characterized in that described automated transaction is handled device and is programmed to cross the amount of money that will deduct estimated expense to the amount of money of described intermediary seller payment according to the PayPal that described at least one side is realized and estimates expense that described intermediary seller is paid.
13. automatic trading apparatus as claimed in claim 1, it is characterized in that, described data storage device is suitable for storing being used to dispose by transaction each side handles the access configuration information of the visit of device to described automated transaction, and wherein said automated transaction is handled device and is suitable for optionally limiting visit to the Transaction Information of transaction each side according to the access configuration information that is associated with respective parties of being stored.
14. automatic trading apparatus as claimed in claim 13 is characterized in that, described automated transaction is handled device and is suitable for preventing that the described buyer from receiving the identification information about the described seller of honouring an agreement.
15. automatic trading apparatus as claimed in claim 13 is characterized in that, described automated transaction is handled device and is suitable for the restrict access specified information in the configuration of handling device at described automated transaction to transaction related information with the described seller of honouring an agreement.
16. automatic trading apparatus as claimed in claim 13 is characterized in that, described automated transaction is handled device and is suitable for exclusively providing the contract information access right to the transaction each side as the contract participant.
17. automatic trading apparatus as claimed in claim 13 is characterized in that, described automated transaction is handled device and is suitable for preventing that the described seller of honouring an agreement from finding out the price of contract between the described intermediary seller and the described buyer.
18. automatic trading apparatus as claimed in claim 13 is characterized in that, described automated transaction is handled device and is suitable for preventing that the described seller from finding out the price of contract between the described intermediary seller and the described seller of honouring an agreement.
19. automatic trading apparatus as claimed in claim 1, it is characterized in that, described automated transaction is handled device and is configured and is arranged to: according between the described buyer and the described intermediary seller and the Separate Contract between described intermediary seller and the described seller of honouring an agreement, by using the fund of described buyer's appointment is paid the payment of handling automatically concluding the business to intermediary seller with the seller that honours an agreement.
20. automated trading system that relates to the business transaction of a plurality of parties that comprise the buyer, the seller and at least one seller that honours an agreement, the wherein said buyer and described intermediary seller are concluded trade contract, and wherein said intermediary seller and described one or more seller of honouring an agreement settle a bargain to fulfil at least a portion of contract between the described buyer and the described intermediary seller, and described system comprises:
Data storage device is configured and is arranged to store the contractual terms and conditions and the business rule of described transaction each side;
Change and pay treating apparatus, be suitable for handling through the following steps payment described transaction:
According to described intermediary seller and described contract of honouring an agreement between the seller, the amount of money that definite seller that respectively honours an agreement deals with;
According to described intermediary seller and described at least one contract between the seller of honouring an agreement, determine the amount of money that described intermediary seller is dealt with; And
According to the respective parties receivable amount of money and the business rule of being stored, represent described intermediary seller to described at least one seller and represent the described buyer to realize payment of honouring an agreement to described intermediary seller.
21. automatic trading apparatus as claimed in claim 20 is characterized in that, described transaction system is suitable for:
According to the receivable amount of money of determined respective parties, by using the business rule of being stored to identify the operator of the described buyer's financial institution, described transaction processor, described intermediary seller and described one or more seller of honouring an agreement, represent described intermediary seller to one or more sellers of honouring an agreement and represent the described buyer to realize payment to described intermediary seller
Send payment authorization to described buyer financial institution, be used for operator's associated finance mechanism of the described transaction processor of Zhi Fuyu, and
Send payment authorization to operator's associated finance mechanism, to pay described intermediary seller subsequently and the seller that respectively honours an agreement with described transaction processor.
22. one kind is used to handle to relating to the automatic trading apparatus of contract and intermediary seller and the payment of the transaction of contract between the seller of honouring an agreement between the buyer and the intermediary seller, described device comprises:
Be used for the contract of store transaction each side and the device of business rule information, described contractual terms and conditions comprise the information relevant with described contract and described business rule information comprises the financial process information of the each side that concludes the business; And
Treating apparatus, be used for business rule information, the described intermediary seller of the payment funding of described buyer's appointment and the described seller of honouring an agreement handled payment to described transaction automatically by using according at least one of the contractual terms and conditions of being stored and the described buyer and the described intermediary seller and the described seller of honouring an agreement.
23. one kind is used to handle and relates to contract and described intermediary seller between the buyer and the intermediary seller and the method for the business transaction of contract between the seller of honouring an agreement, described method comprises:
The contract of store transaction each side and business rule information, described contractual terms and conditions comprise the information relevant with described contract and described business rule information comprises the financial process information of the each side that concludes the business; And
According at least one the business rule information among the contractual terms and conditions of being stored and the described buyer and the described intermediary seller and the described seller of honouring an agreement, utilize automated transaction to handle device and the described intermediary seller of the payment funding of described buyer's appointment and the described seller of honouring an agreement are handled payment to described transaction automatically by using.
24. method as claimed in claim 23, it is characterized in that, use automated transaction handle device comprise according among the described buyer and described intermediary seller and the seller that honours an agreement at least one business rule information and according to the contractual terms and conditions of being stored, described automated transaction is handled device be programmed for contract and the business rule information that use is stored, by representing described intermediary seller account transfer to honouring an agreement the seller and represent described buyer's account transfer to described intermediary seller to handle payment automatically the fund of described buyer's appointment to concluding the business.
25. method as claimed in claim 23 is characterized in that, also comprises: receive the authorization message relevant with the payment authorization condition, wherein the payment of handling described transaction automatically comprises according to the account transfer of described authorization message mandate to the fund of described buyer's appointment.
26. method as claimed in claim 25, it is characterized in that, storage business rule information comprises that storage package draws together the profile information of the identification information of transaction each side, and wherein receives authorization message and comprise that profile information and described authorization message according to certain party make described authorization message be associated with described certain party.
27. method as claimed in claim 26 is characterized in that, the payment of handling automatically transaction comprises the business rule of using the side that described authorization message is provided.
28. method as claimed in claim 23, it is characterized in that, also comprise and determine that described intermediary seller deals with the described seller's of honouring an agreement the amount of money, wherein pay the described seller of honouring an agreement and comprise with described intermediary seller and deal with the fund of the described seller's of honouring an agreement amount of money account transfer, and wherein pay described intermediary seller and comprise with what the described buyer dealt with described intermediary seller and deal with the described seller's of honouring an agreement amount of money transfer funds less than described intermediary seller to described buyer's appointment.
Applications Claiming Priority (4)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| US63999804P | 2004-12-29 | 2004-12-29 | |
| US60/639,998 | 2004-12-29 | ||
| US60/639,999 | 2004-12-29 | ||
| US11/316,381 | 2005-12-22 |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN101111861A true CN101111861A (en) | 2008-01-23 |
Family
ID=39043108
Family Applications (2)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNA2005800474596A Pending CN101111861A (en) | 2004-12-29 | 2005-12-27 | Multi-party transaction processing system and approach |
| CNA2005800474191A Pending CN101111860A (en) | 2004-12-29 | 2005-12-27 | Multi-party transaction processing system and approach |
Family Applications After (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNA2005800474191A Pending CN101111860A (en) | 2004-12-29 | 2005-12-27 | Multi-party transaction processing system and approach |
Country Status (1)
| Country | Link |
|---|---|
| CN (2) | CN101111861A (en) |
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103729772A (en) * | 2013-02-18 | 2014-04-16 | 朱锐泷 | System and method for open type e-commerce facing to process |
| CN107809316A (en) * | 2016-09-08 | 2018-03-16 | 李立中 | financial supply chain block chain method, system and device |
| CN109325706A (en) * | 2018-10-15 | 2019-02-12 | 平安科技（深圳）有限公司 | Management control method, device, computer equipment and the storage medium that contract is honoured an agreement |
| WO2019042433A1 (en) * | 2017-09-01 | 2019-03-07 | 立旃（上海）科技有限公司 | Method and device for blockchain-based multi-level transactions |
| CN111340590A (en) * | 2020-02-25 | 2020-06-26 | 成都即速网络科技有限公司 | Collaborative operation method based on electronic commerce and distributed resale platform thereof |
Families Citing this family (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109727138B (en) * | 2018-12-29 | 2021-03-30 | 航天信息股份有限公司 | Confidence-based certificate matching method and system |
-
2005
- 2005-12-27 CN CNA2005800474596A patent/CN101111861A/en active Pending
- 2005-12-27 CN CNA2005800474191A patent/CN101111860A/en active Pending
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103729772A (en) * | 2013-02-18 | 2014-04-16 | 朱锐泷 | System and method for open type e-commerce facing to process |
| CN107809316A (en) * | 2016-09-08 | 2018-03-16 | 李立中 | financial supply chain block chain method, system and device |
| WO2019042433A1 (en) * | 2017-09-01 | 2019-03-07 | 立旃（上海）科技有限公司 | Method and device for blockchain-based multi-level transactions |
| CN109325706A (en) * | 2018-10-15 | 2019-02-12 | 平安科技（深圳）有限公司 | Management control method, device, computer equipment and the storage medium that contract is honoured an agreement |
| CN111340590A (en) * | 2020-02-25 | 2020-06-26 | 成都即速网络科技有限公司 | Collaborative operation method based on electronic commerce and distributed resale platform thereof |
| CN111340590B (en) * | 2020-02-25 | 2023-07-04 | 成都即速网络科技有限公司 | Collaborative operation method based on electronic commerce and distributed resale platform thereof |
Also Published As
| Publication number | Publication date |
|---|---|
| CN101111860A (en) | 2008-01-23 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| AU2005321978B2 (en) | Multi-party transaction processing system and approach | |
| US8041634B2 (en) | Payment processing system debt conversion notification | |
| US7925586B2 (en) | Method and system for multi-currency escrow service for web-based transactions | |
| US8843410B2 (en) | Systems, methods, and computer program products for supply chain finance | |
| JP4677188B2 (en) | Management, funding and supply methods and equipment in an integrated supply chain system | |
| US7970654B2 (en) | System and method for processing single sale transactions involving one or more payors | |
| US6868401B1 (en) | Transaction processing system to facilitate the commercial support activities associated with the buying and selling of commodity products | |
| CN101027687A (en) | Distributor-based transaction processing system and method | |
| US20090287590A1 (en) | Multi-Supplier Transaction and Payment Programmed Processing System and Approach | |
| CN101185071A (en) | Automated transaction processing system and approach with currency conversion | |
| JP2010509699A5 (en) | ||
| CN101019109A (en) | Method and system for providing buyer bank payable discounting services | |
| US20130339193A1 (en) | Method and system for inventory short term distribution financing and management | |
| CN110738575A (en) | Guarantee financing method and device based on block chain architecture | |
| JP2006331254A (en) | Settlement system for inter-enterprise commercial transaction | |
| CN101111861A (en) | Multi-party transaction processing system and approach | |
| CN101617333A (en) | Transaction finance disposal system and way | |
| Safibullaevna et al. | Projecting Parametres Trade Electronic Platform | |
| CN1302037A (en) | Trade safety network site system | |
| KR20170064037A (en) | System for pay protection of trade in Supply Chain Management | |
| Edjigu et al. | Trade Finance in Ethiopia: Exploring the Challenges and Possible Solutions1 | |
| KR20160097477A (en) | Business method and system for temporary storage and delivery of parcel for the purpose of assisting the courier services | |
| KR20240014801A (en) | System and method for relaying and payment of ship's goods | |
| WO2023163833A1 (en) | Trackable product interest system and method | |
| Deshmukh | The Revenue Cycle |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| C02 | Deemed withdrawal of patent application after publication (patent law 2001) | ||
| WD01 | Invention patent application deemed withdrawn after publication |
Open date: 20080123 |