CN101595507A

CN101595507A - Payment processing system debt conversion notification

Info

Publication number: CN101595507A
Application number: CNA2007800481404A
Authority: CN
Inventors: D·M·伊斯特莱; N·韦伯; T·罗马内克; S·诺斯
Original assignee: Visa USA Inc
Current assignee: Visa USA Inc
Priority date: 2006-11-14
Filing date: 2007-11-08
Publication date: 2009-12-02

Abstract

In the time can not using the bill payment buyer that sets up as the buyer by the distribution people in the payment processing system, earnestly ask the seller or the buyer or both and carry out the transaction in future that on the account, to pay for the seller's debt.If can access to your account the payment debt, create the seller and the buyer exclusive sub-account.Can use the transaction between the sub-account processing buyer and the seller, be included in the selection that adds up to described debt before handling.Marginal credit that can sub-account is set to be complementary with the number of aggregated debts.

Description

Payment processing system debt conversion notification

Cross reference with related application

The exercise question that the application requires to be filed on November 14th, 2006 is 60/865 for the sequence number of " TransactionProcessing Automation ", 836 U. S. application, and the exercise question that is filed on November 7th, 2007 is 11/936 for the sequence number of " Payment Processing System DebtConversion Notification ", the right of priority of 475 U. S. application is combined in this with its complete content by reference.

Technical field

Realization of the present invention relates generally to payment processes, and more specifically, relates to the automatic processing buyer to the seller's payment and reconciliation (reconcile) that the buyer that submitted to is carried out to the book keeping operation document of seller payments to seller payments and the buyer.

Background technology

Enterprise is usually with the transaction of various modes of payments processing with other enterprises, such as passing through credit accounts, checking account or clearing (ACH) credit transfer automatically.For example, the buyer may have the purchase order at the seller (PO) that the open buyer wishes the goods bought.According to the factor such as contractual duties or marginal credit, PO can have the some modes of payments that are associated with it.Therefore, the buyer can use some goods of paying by check, and uses other goods of Credit Card Payments.Similarly, a plurality of PO can have a plurality of type of payment.

Typically, can manual process PO or invoice payments.For example the buyer can check accounts payable file, and writes a check to the seller based on type of payment, and the seller is with credit card charge in request, or prepares draft for the seller.

The manual type of payment of determining payment is selected between the different system of handling these type of payment, and may be not easy to tracking, reconciliation and control by the processing of different system propagation Payment Request.For example, each PO reason of may coverlet staying alone, this cause when efficient of a plurality of payments of arrangement same buyer during a time window low.

Some tissue uses Enterprise Resources Plan (ERP) system, and this system arrives data integration in the in-house single integrated system usually, realizes such as being stored in the individual data storehouse by the accounts payable that will organize.ERP system can help to organize the buyer's accounts payable or the seller's accounts receivable; Yet ERP system is not handled each type of payment automatically by different system, and ERP system is not automatically carried out reconciliation to the payment of having submitted to corresponding shipping list and/or PO yet.

In addition, some type of payment may have the advantage of fully not used when the buyer or their accounts payable of seller's inter-process and accounts receivable.For example, the account in the payment processing system may have for enterprise owners possibility useful submission guarantee or sub conditione excitation such as credit accounts.Because payment processing system can be convenient to the submission of paying or provide increase the sales promotion option that the seller sells in a period of time, the seller may prefer the payment carried out on the account in payment processing system.Because account may be the part of loyalty program, thereby the buyer can be by using the account to be benefited when concluding the business, and the buyer may prefer paying on the account.Under the situation of concluding the business between enterprise, loyalty program may comprise, for example, returns cash, the insurance of the product bought is covered, or the preferential accumulation of mileage.Do not understand the other side handle trading ability on described account owing to participate in the buyer of trade or the seller, or the buyer or the seller may not understand the other side's preference, these benefits may not be fully utilized.

Need a kind of system that can handle the buyer automatically to the seller's payment obligation.Solve this and other problem herein separately and always.

Summary of the invention

The computer implemented method of describing at payment processing system has solved the automatic payment processes between the buyer and the seller, and wherein transaction processor handles that to participate in business on the account in payment processing system with consumer and businessman be the transaction of feature.

In a kind of computer approach is realized, receive the consumer to the seller's and comprise the debt of seller identifier.Whether use seller identifier to make the seller is determining of one of interior businessman of payment processing system.If the seller is not one of businessman, send first notice to the consumer, this notice is sought the consumer and is cooperated to become one of businessman in the payment processing system with the request seller.If the seller is one of businessman, send second notice to the consumer, this notice request consumer require publisher (issuer) in account, set up the seller exclusive sub-account so that can be in transaction in the future between the payment consumption person and the seller on the sub-account.Receive publisher's affirmation for having set up sub-account, wherein confirm to comprise the designator of sub-account as the seller of one of businessman.Reception comprise sub-account designator the consumer with as concluding the business the future between the seller of one of businessman.Use the designator of sub-account to verify that can pay this on sub-account concludes the business in the future.The Notice Of Transactions in future that can pay on sub-account is given the publisher.

In another is realized, receive consumer's at least one debt to one or several businessman, wherein each debt comprises the corresponding merchant identifier of each businessman.For each merchant identifier, send first notice to the consumer, this notice request consumer require the publisher in account, set up corresponding businessman exclusive sub-account conclude the business so that make can on sub-account, pay in the future.For each sub-account: receive the affirmation that the publisher has set up sub-account; Total is at each debt of corresponding each businessman; The marginal credit that sub-account is set is complementary with aggregated debts at corresponding businessman; Send second notice to corresponding businessman, the formation of the corresponding businessman of this notice request comprises that the designator of sub-account is together with the transmission of transaction in the future; Receive the designator of sub-account together with transaction in the future; Use the designator checking of sub-account can on sub-account, pay transaction in the future; With notify the publisher can on sub-account, pay transaction in the future.Replacedly or in combination, the part of the marginal credit of sub-account for the coupling debt can be set.Can be based on factor, such as the clearance of transaction in the future, the finishing of the time suitable to moulding of the marginal credit of sub-account, the accounting cycle of sub-account or the remaining sum of sub-account are provided with the marginal credit of sub-account.

In another is realized, receive the debt of the buyer to businessman, wherein said debt comprises the buyer's buyer identifier.Whether use buyer identifier to make the buyer is determining of one of interior consumer of payment processing system.If the buyer is not one of consumer, send first notice to businessman, this notice is sought the license request buyer of businessman becomes one of consumer in the payment processing system.If the buyer is one of described consumer: this consumer in the consumer sends second notice, this consumer among this notice request consumer requires the publisher to set up the exclusive sub-account of this businessman in corresponding account, so that make this consumer and the future between the businessman that can pay on sub-account among the described consumer conclude the business; Reception comprises the affirmation that the publisher of the designator of sub-account has set up sub-account; Reception comprises this consumer in described consumer and the transaction in the future between this businessman of the designator of sub-account; Use the designator of sub-account to verify that can pay this on sub-account concludes the business in the future; And notify the publisher to conclude the business this consumer and the future between this businessman in described consumer in payment on the sub-account.

In another realizes, receive the debt that some consumers owe a businessman, wherein each debt comprises corresponding consumer's identifier of each consumer.In described consumer each is sent first notice, and each consumer of this notice request makes corresponding publisher set up the exclusive sub-account of described businessman, so that making can pay on sub-account in the future concludes the business, its neutron account is associated with described account.For each sub-account: add up to corresponding consumer each debt for businessman; The marginal credit of sub-account is set so that be complementary for the aggregated debts of businessman with corresponding consumer; Give notice to businessman, this notice request businessman formation comprises that the designator of sub-account is together with the transmission of transaction in the future; Receive the designator of sub-account together with transaction in the future; Use the designator of sub-account to verify that can pay this on sub-account concludes the business in the future; And notifying the publisher to pay this on sub-account concludes the business in the future.In addition, can be based on clearance such as described transaction in the future, the time suitable to moulding of the marginal credit of sub-account finish the factor of the accounting cycle of sub-account or remaining sum of sub-account and so on, adjust the marginal credit of sub-account, so that mate the residue unpaid balance of described debt.

Description of drawings

Can understand these realizations more from the detailed description that proposes below in conjunction with accompanying drawing, similar elements has similar reference number in the accompanying drawings.

Fig. 1 shows and can handle the process flow diagram of the buyer for the exemplary method of the seller's debt (for example, the mark of monetary liability);

Fig. 2 shows the account that can use in the payment processing system and handles the process flow diagram of the buyer for the exemplary method of the seller's debt;

Fig. 3 shows and can handle the process flow diagram of the buyer for the exemplary method of the seller's debt;

Fig. 4 show can handle the buyer should be to the block scheme of the exemplary method of the funds on account of seller payments;

Fig. 5 shows and can realize Fig. 1, the block scheme of the example payment processing system of the exemplary method shown in 2,3 and 4; With

Fig. 6 shows and is used to handle the block scheme of the buyer for the example client-server environment of the seller's debt.

Embodiment

In one implementation, handle the debt of the buyer automatically, such as bill or purchase order for the seller.Analysis comprises the file of debt so that determine can be used for to pay the type of payment of this debt, such as, check or credit card.If type of payment is not the account (for example, credit accounts or debit account) in the payment processing system, both carry out the transaction that can pay the then imploring seller or the buyer or they on described account.If type of payment is an account, then set up sub-account for the seller and the buyer.Then, use the transaction between the sub-account processing buyer and the seller, it comprises selection: add up to a plurality of debts of the buyer for the seller, transaction with the number of the debt of handling the total that on sub-account, to pay, make and can on sub-account, pay debt, or the feasible part that can on sub-account, pay debt.The marginal credit of sub-account can be set to the number coupling with aggregated debts, debt or part debt.Replacedly or in combination, can be based on factor, such as the clearance of transaction, finishing of the time suitable to moulding of the marginal credit of sub-account, the accounting cycle of sub-account or the remaining sum of sub-account are adjusted the marginal credit of sub-account, so that mate the residue unpaid balance of described debt.

As use herein, the buyer leases from the seller, secures permission, or buys goods, service or both people or entity.The seller hires out to the buyer, permission, or market the goods, serve or both people or entity.Among the buyer or the seller each can be the individuality that participates in the business entity of trade between enterprise or participate in trade between individuality.In addition, individual and enterprise or enterprise and individual trade are also disclosed herein.The consumer is the buyer who has account in payment processing system, and businessman is the seller who accepts payment on the account in payment processing system.Payment processing system is the system that handles a plurality of transaction with transaction processor, and it is feature that each transaction participates in a transaction with consumer and businessman on the account in payment processing system.In payment processing system, the publisher sets up account to the consumer, and businessman submits to getter with a transaction so that handled by transaction processor, and artificial this transaction of transaction processor request distribution is from consumer's payment.The publisher is transmitted to transaction processor with fund, and transaction processor is transmitted to getter with fund, so that conclude the business to businessman's payment for this.The payment processing system that the more detailed description of payment processing system be vide infra.

With reference to Fig. 1 and 2, these two process flow diagrams show can handle the exemplary method of the buyer at least one debt of the seller.

In one implementation, handle the buyer's debt for the buyer as one of consumer.In the step 102 of handling 100, selectively receive buyer's profile of the information that comprises a plurality of sellers that conclude the business with it usually about the consumer from the consumer.For each seller, this information can comprise: title for example, address, Deposit Account Number, seller identifier (for example, the seller's code), the seller describes, at the seller's past payout, common payment period of indication to the date that the seller pays, the title of the getter that is associated with the seller, the form of payment that the seller accepts, seller's classification.

In step 104, receive the debt of consumer at least one seller.Debt can for example be a check, and accounts payable document is by the electronic accounts payable file that consumer's ERP produces, purchase order, or shipping list.Debt can comprise the single bill about the single seller, a plurality of bills of the single seller, the data of a plurality of bills of a plurality of sellers.For each seller, debt can comprise: owe the seller's number, and when to seller's payment of debts, seller identifier, buyer identifier, or the type of payment of payable each debt.

In step 106, determine whether each seller is one of businessman.If debt is determined each number of owing at a plurality of numbers of owing (for example, a plurality of bills).

For each seller, can use corresponding seller identifier to determine whether the seller is one of businessman.Can mate the seller identifier that receives in debt and the merchant identifier that is stored in the seller in the server database, whether server database is that the information of one of the businessman in the payment processing system is linked with merchant identifier and the expression seller.In order to illustrate, if debt comprises " CCXWYX " as seller identifier, and this seller's merchant identifier is " CCXWYX " in the server database, then have coupling, and the seller is one of businessman.Other forms of matching scheme is well known in the art.

Another kind of determine that whether the seller is that the method for one of businessman is the data of utilizing in the debt.As previously mentioned, debt can comprise the type of payment that the seller accepts.For example, debt can be indicated seller's payment of receiving credit card.Therefore, because the seller accepts the payment on the account, the seller is one of businessman.Type of payment in the debt can be with merchant identifier with whether represent the seller be data verification or declaration (trumpet) in the server database that is linked of the information of one of businessman.For example, if having contradiction between the coupling between type of payment in the debt and seller identifier and the merchant identifier, can determine whether the seller is one of businessman based on the type of payment of this coupling rather than debt indication.

When the seller was a businessman, the step 201 of the processing 200 among Fig. 2 was jumped in processing 100.Otherwise the seller is not one of businessman, and in step 108, gives notice to the consumer, and this notice is sought consumer's collaboration request seller becomes one of businessman.This notice can comprise the seller's title, represents the current description of not accepting the payment on the account of the seller, the request that the seller becomes one of businessman is earnestly asked in consumer's approval, or become the request of the information of one of businessman about how earnestly asking the seller.Consumer's cooperation can be to agree to earnestly ask the seller.For example, the consumer can send the anonymous letter of the benefit of pointing out to become one of businessman with the purpose seller; Replacedly, letter can not be anonymous, points out that the consumer has the account, and more is ready to use the debt of account payment to the seller.Other forms of solicitation are that those skilled in the art is known.

The seller can point out that seller wishes becomes one of businessman.For example, the seller receives and to earnestly ask, and the decision seller can begin to accept the payment on the account.The seller can adding and the bundling deal of transaction processor or getter, for example, begins to accept the fund that can pay on the account.

Can receive the seller has become the notice of one of businessman.For example, transaction processor can receive the seller has become one of businessman and Wells

Bank has become the notice of the getter that is associated with this seller.The seller can upgrade the seller's ERP so that reflect the change of the type of payment that the seller accepts, or obtains to handle the equipment of the payment on the account, and such as obtaining software, this software can form the transmission of the Transaction Information that comprises the magnetic stripe format that comprises described transaction.Use this software, the seller can be to the getter transmission so that to transaction processor transmitted transaction information, comprise: the transaction currency number, seller name, consumer's title, trade date, the transmission date, the purchase order number that is associated with this transaction, the shipping list number that is associated with this transaction is to the description of the quantity of the goods presented or service or goods of presenting or service.For example, the seller can form point out the transmission of the debt payment on request account of the number of owing and purchase order number.

If the seller is not one of businessman, the processing debt can not access to your account.For example, can form a transmission, with request financial institution, such as bank: submit check to the seller with the value that is complementary for the seller's debt with the consumer from the consumer; Submit draft to the seller from the consumer with the value that is complementary for the seller's debt with the consumer; Or from consumer to the seller, submit to have and clear credit transfer automatically for the value that the seller's debt is complementary with the consumer.Other form of payment are those of ordinary skill in the art's known (traveller's check for example, directly bank transfer, cashes, or the point of counting with monetary value shifts).For example, can send member (for example, bank, the broker-dealer of service at the financal messaging in financial institution's cooperation body, or management of investment tissue) sends financal messaging between, with the transfer of funds with the value that is complementary for the seller's debt with the consumer of request from consumer to the seller.The example of this cooperation body be finance society for telecommunication of global cooperative bank (

) the cooperation body.

The coupling of described value and debt can take place by multiple mode.For example, this value can equal at each of owing in the corresponding seller's the debt in the number, this value can equal at each a part of owing in the corresponding seller's the debt at least one number, this value can equal the total at the number of owing in the corresponding seller's the debt, this value can equal in a plurality of debts the total at a plurality of numbers that the corresponding seller owed, this value can equal the debt of the renewal of reception after the reception of previous debt, maybe this value can equal that the number of owing adds other fees in the debt, the transportation and the processing of the goods of buying such as its tax or with owed number.

If the seller is one of businessman, can in account, create the seller and the peculiar sub-account of consumer.For each seller, can before handling transaction in the future, add up at the number of owing in each seller's the debt (for example, on a time window) so that obtain the corresponding seller's aggregated debts.In addition, can audit, to carry out reconciliation to the record of submitting payment to of transaction in the future with at the seller's debt.

In the step 202 of Fig. 2, in being emitted in account, the consumer creates the consumer and as the notice of the peculiar sub-account of the seller of one of businessman.Create the notice of sub-account and can point out that requesting consumption person gets in touch consumer's publisher so that set up the sub-account that is associated with account, thereby when participating in concluding the business in the future, can on sub-account, pay this and conclude the business in the future as the consumer with as the seller of one of businessman.For example, if create sub-account to the consumer,, then can not on this sub-account, pay this and conclude the business in the future if transaction is carried out between consumer and second seller in the future for first seller.

In step 204, receive that the publisher point out by the consumer has set up the consumer and as the affirmation of the peculiar sub-account of the seller of one of businessman.This affirmation can comprise: consumer's title, set up the publisher's of sub-account title, and the designator of sub-account (for example, sub-account number), as the seller's of one of businessman title, or the marginal credit of sub-account.

In step 206,, add up at the number of owing as the seller of one of businessman if there are a plurality of numbers of owing in (or in a plurality of debt) in the debt.For example, debt can comprise with Boeing and is 10 bills of first seller and is 8 purchase orders of second seller with General Mills.In 10 bills of Boeing each the number of owing can be added up to the number summation of owing Boeing.In addition, at each purchase order of General Mills the number of owing can be added up to the number summation of owing General Mills.

The marginal credit of sub-account can be set to and debt, the part of debt, or add up to the number of owing to be complementary at the seller as one of businessman.For example, a plurality of debts that receive from the American Airlines as the consumer can be included in the bill that receives from Boeing in month.The Zong Jiwei $530 of number that this month owes, 000 (dollar).Can be with American Airlines for the marginal credit of the sub-account of Boeing from the Xin Yongxiandu $500 of last month at the sub-account of Boeing, 000 (dollar) Zeng Jiadao $550,000 (dollar) is so that coupling adds up to the Shuo Mu $530 that owes, 000 (dollar).Add up to the number of owing, marginal credit needn't equal to add up to the number of owing in order to mate.For example, marginal credit can the number of owing be high 1 percentage point than adding up to, and takes into account so that the handling that will owe not reflect in the number adding up to maybe may be charged to other charges of the account.Replacedly or in combination, can be reset in the accounting cycle process be 0 or another value to marginal credit.For example, American Airlines is for the marginal credit of Boeing Bei Shezhiwei $500 in the month before, 000 (dollar), and to be reset be 0 at the end in the month before, and this month in the month before is by She Zhiwei $550 for the second time, 000 (dollar).

In step 208, selectively give notice to the seller as one of businessman so that submit the transaction in future that need on sub-account, pay to, wherein should transaction in future be feature with the consumer that participates in concluding the business future with as the seller of one of businessman.Transaction in the future can or add up to the number of owing at owing number.For the example that uses the front describes, give notice to Boeing, this according to notice Boeing can be on sub-account Shou Qu $530,000 (dollar), or be the charge of concluding the business in the future of any other of Boeing and American Airlines.This notice can comprise: the designator of sub-account, the due date of the designator of sub-account, the number of owing, add up to the number of owing, should transmit the date of transaction in the future, the purchase order number that is associated with owing number, or the shipping list number that is associated with owing number.

In step 210, selectively receive transaction in the future, such as with owing number or add up to conclude the business the future of the fund of the institute's number of owing coupling.For example, transaction processor can receive transaction in the future from the getter that is associated with the seller as one of businessman, and wherein transaction processor can be asked the fund that publisher's number that Zhi Fuyu consumer owes mates.The transmission of transaction in the future can comprise: the fund quantity of request, the designator of sub-account, with the purchase order identifier that is associated at the seller's debt (or in the debt number of owing) (for example, the purchase order number), or with the shipping list identifier (for example, shipping list number) that is associated at the seller's debt (or in the debt number of owing).Transaction can be a magnetic stripe format in the future.

In step 212, selectively whether checking can pay transaction in the future on sub-account.The designator of the sub-account that receives in transaction in the future and a plurality of designators that are stored in a plurality of sub-accounts in the server database can be compared, so as to determine to participate in this consumer who concludes the business in the future and the seller whether with this sub-account exclusive consumer and seller's coupling.Therefore, if the sub-account of the Apple (or its branch offices) that is used for as the seller has artificially been set up in distribution as consumer's Starbucks coffee company (or its branch offices), if the data in the transaction in future that receives point out to participate in this consumer who concludes the business in the future and the seller is respectively Starbucks coffee company (or its branch offices) and Apple (or its branch offices), then this transaction in future is verified as and can pays on sub-account.Can use the coupling between the data in definite transaction in the future of matching algorithm and the server database.For example, server database can have the information about company and its branch offices.In order to illustrate, as the fruit account is that Starbucks coffee company is exclusive, and transaction in this is to carry out between as the Starbucks coffee trading company of the branch offices of Starbucks coffee company and Apple in future, then matching algorithm will return coupling, and this transaction in future is verified as and can pays on sub-account.

In step 214, notify the publisher can on sub-account, pay transaction in the future.Can be by comprising the transmission notice publisher of following content: the number of owing, add up to the number of owing, seller name, consumer's title, the date of transaction in future, or be that transaction is from the request of consumer payment fund in the future, wherein the publisher can be transmitted to transaction processor with fund, transaction processor will be used for this fund of concluding the business in the future and be transmitted to getter, so that pay the seller as one of businessman with this fund.

Can notify the publisher to conclude the business in the future can be paid on sub-account, and does not need for example to send the notice of submitting the transaction in future to the seller, receives the transaction in future in the transmission, or verify the step that transaction in the future can be paid on sub-account.It is the feasible abundant indication that can pay seller's intention of the number of owing in the debt on sub-account that the consumer and the seller can arrange debt.Can give the publisher with the Notice Of Transactions in future of predetermined amount of time or predetermined number.In order to illustrate, the consumer and the seller can arrange should be by every month first day in the future Notice Of Transactions give the publisher, or when the number that total is owed in the debt is equal to or greater than (dollar) processing at the seller's number that total is owed.Replacedly or in combination, the consumer and the seller can arrange just to handle each debt at the seller when receiving, thus will equal to receive debt the time in the debt fund of the number of owing future Notice Of Transactions to the publisher.In order to illustrate, transaction processor may be off and on receives debt as accounts payable file from consumer's ERP.The consumer can preset after receiving accounts payable file at the ERP from the consumer with the seller with the bill in the accounts payable file of being included in and pay all bills by transaction processor.Therefore, in this example, after receiving the accounts payable file that comprises bill, transaction processor can form a transmission to the publisher, and this transmission notice publisher pays the fund of the number of owing in the bill that equals the seller.

In the step 216 of Fig. 2, can carry out the audit selected of debt.For example, when the seller is one of businessman, can audit by the number of owing in the fund of account payment and debt is carried out reconciliation.Reconciliation can comprise data and the described debt that coupling receives in the transmission of transaction in the future.Coupling can comprise second identifier (or the number of owing in the debt) of the purchase order of determining to be included in first identifier of the purchase order in the transmission of concluding the business in the future and being associated with this debt; Second identifier of the shipping list that is included in first identifier of the shipping list in the transmission of concluding the business in the future and is associated with this debt; Or the corresponding relation between the value of prepaid fund and the described debt, such as equivalence.Replacedly or in combination, can by to receive from the publisher in the clearance that distributes at fund or the settlement process process or carry out reconciliation from the data that getter receives, carry out the debt audit.For example, when the publisher was transmitted to transaction processor with fund, the fund of forwarding can also comprise the designator of the purchase order after the designator reconciliation of the purchase order that is associated for the number of owing in the seller's the debt with the consumer.

Similarly, if the seller is not one of businessman, can audit by the number of owing at the corresponding seller in the quantity of money of submitting to the seller and consumer's the debt is carried out reconciliation.For example, can carry out reconciliation for the number of owing in the corresponding seller's the debt to quantity of money and the consumer that the consumer pays the seller's check; Can carry out reconciliation for the number of owing in the corresponding seller's the debt for the quantity of money and the consumer of the seller's draft to the consumer; Maybe can carry out reconciliation for the number of owing in the corresponding seller's the debt for the quantity of money and the consumer of the seller's automatic clearance credit transfer to the consumer.

The result of audit can be transferred to the consumer, publisher, getter, or the seller.For example, thus the consumer can receive in each debt of pointing out the consumer owe number to some extent and carried out the report that reconciliation is complementary for by each sub-bill payment in the corresponding seller's fund and consumer's the debt number of owing at corresponding each seller with the transmission of transaction in future of receiving.Therefore the information in the report of audit can comprise: the number of owing; Described value; The first purchase order identifier; The second purchase order identifier; The first shipping list identifier; The second shipping list identifier; Whether the first purchase order identifier equates with the second purchase order identifier; Whether the first shipping list identifier equates with the second shipping list identifier; Maybe whether this value equates with owing number.

In another was realized, the buyer who handles as one of consumer was a plurality of debts of a plurality of sellers of one of businessman at each.Reception comprises a plurality of debts (step 104) of corresponding each merchant identifier.For each merchant identifier, send first notice to the consumer, this notice request consumer make the publisher set up corresponding businessman exclusive sub-account so that make and can on sub-account, pay transaction in the future, the interior account of its neutron account and payment processing system be associated (step 202).

For each sub-account, receive the affirmation (step 204) that the indication publisher has set up sub-account.Total is at the debt of corresponding each businessman, and the marginal credit of sub-account is set to mate this aggregated debts (step 206).Send second notice to corresponding businessman, the formation of the corresponding businessman of this notice request comprises that the designator of sub-account is together with the transmission (step 208) of transaction in the future.Reception comprises the designator of sub-account and the transmission (step 210) of transaction in the future.Checking transaction in future can be notified the publisher to conclude the business in the future and can be paid (step 214) on sub-account by payment (step 212) on sub-account, and audit (step 216).

For example, as shown in figs. 1 and 2, the marginal credit of sub-account can be set in the arbitrfary point in the debt processing procedure.In one implementation, the marginal credit of sub-account can be set to, such as when receiving from getter when concluding the business in the future, with the quantity Matching of the fund of being asked in the transaction in the future, or with second quantity Matching of the fund of the transaction in the future of clearing and settling accounts that may be different from the fund quantity of being asked.Replacedly or in combination, can marginal credit be set in the activation period of sub-account or another point in accounting cycle.

For example, based on factor, clearance such as transaction, (for example finishing of the time suitable to moulding of marginal credit, the consumer can obtain the predetermined amount of time of this marginal credit), time point in the accounting cycle of sub-account or a period of time, or sub-account balance, marginal credit that can sub-account is set to be complementary with the number that residue is owed of having handled debt that may be unpaid after the transaction in the future at a part of debt.In order to illustrate, after receiving the mark that transaction in the future is liquidated and settle accounts, the marginal credit of sub-account can be set to the value with the second portion of debt coupling, when whole number of corresponding each businessman is not owed in payment in a transaction as the consumer, deal with the residue number of corresponding each businessman.In another example, in transaction in the future after the liquidated and clearing, when receiving the consumer for another debt of the seller, the marginal credit of sub-account can prepare to be set to 0 when another marginal credit is adjusted (for example, the setting of marginal credit).

In another is realized, for the seller as one of businessman handles the debt of at least one buyer for this seller.With reference to figure 2 and 3, receive debt from businessman; Whether make about the buyer is determining of one of described consumer; If the buyer is not one of consumer, earnestly asking the buyer becomes a consumer; If the buyer is one of consumer, give notice so that create this buyer and the peculiar sub-account of this businessman to the buyer.Can be the owed number of each buyer's total, thereby and handle at businessman.

In the step 302 of Fig. 3, the seller profile of the information that comprises a plurality of buyeies that conclude the business with it usually about this businessman can be created by businessman.For each buyer, described information can comprise: the buyer's title, the buyer's address, the buyer's number of the account, the buyer's identifier (for example, the buyer's code), the buyer's description is at the past payment amount of businessman, the payment period on the date that the indication buyer pays usually, the feasible form of payment that can pay of the buyer, the publisher's title that is associated with the buyer, or the buyer's classification.

In step 304, receive the debt of at least one buyer at businessman.This debt can for example be a bill, and accounts receivable document is by the electronic accounts receivable file that the ERP of businessman produces, purchase order, or shipping list.Debt can comprise about the data at the single buyer's single bill, at a plurality of bills of the single buyer, or at a plurality of bills of a plurality of buyeies.For each buyer, debt can comprise: at the number of owing of businessman, when give back debt to businessman, merchant identifier, buyer identifier, the maybe type of payment of the debt that can pay.

Whether in step 306, making about each buyer is determining of one of consumer.If debt can be determined each number of owing at a plurality of numbers of owing (for example a plurality of bill).

For each buyer, can use corresponding buyer identifier to determine whether the buyer is one of consumer.Can mate the buyer identifier that receives in debt and the consumer's identifier that is stored in this buyer in the server database, server database is with consumer's identifier and whether represent the buyer be that the information of one of the consumer in the payment processing system is linked.

Determine that whether the buyer is that one of consumer's other method is the data of utilizing in the debt.Debt can comprise the type of payment that is used by the buyer.For example, debt can point out that the buyer has credit card.In the realization as the front, debt can be with consumer's identifier with whether represent the buyer be that data in the server database that is linked of one of consumer's information are verified or declared.

When the buyer has been consumer in the payment processing system, handles 300 and stop, and enter the step 201 of the processing 200 among Fig. 2.Otherwise in step 308, the buyer is not one of consumer, and gives notice to businessman, becomes one of consumer to seek the collaboration request buyer of businessman.This notice can comprise: the buyer's title, the description of representing the publisher not set up account so far to the buyer is earnestly asked the request that the buyer becomes one of consumer to businessman's approval, or is become the request of one of consumer's information about how earnestly asking the buyer.The cooperation of businessman can be to agree to earnestly ask the buyer, such as pointing out that businessman accepts the fund by bill payment and prefers using anonymous letter or the mail of giving the buyer of the account to the debt of businessman's payment.

The buyer can point out that the buyer is ready to become one of consumer.For example, the buyer can receive and earnestly ask, and the decision buyer wishes that the publisher sets up account to the buyer.The buyer can adding and transaction processor or publisher's bundling deal, for example, brings into use account payment.

Can receive the buyer has become one of consumer's notice.The buyer can upgrade buyer's ERP so that the reflection buyer will be used to pay the change at the type of payment of the number of owing of businessman, or acquisition can be handled the equipment or the software of the payment on the account.

As mentioned above, the processing debt that can not access to your account.For example, can be to financial institution, such as bank, file a request so that: from the buyer to the seller submit to have with debt the check of the value that is complementary of the number of owing; From the buyer to the seller submit to have with debt the draft of the value that is complementary of the number of owing; Or submit automatic clearance credit transfer to the seller, or submit to financal messaging in financial institution's cooperation body to send service with the transfer of funds with the value that is complementary for the seller's debt with the consumer of request from consumer to the seller with the value that is complementary with debt from the buyer.The buyer and businessman can arrange the processing debt that do not access to your account.For example, the buyer can provide the buyer's checking account number so that the transaction processor request buyer submits to the check of businessman to transaction processor.

If the buyer is one of consumer, can set up the buyer and the peculiar sub-account of businessman in the account.Can add up to for the number of being owed in the debt of businessman by each buyer, and can handle at the transaction in future that adds up to the number of owing in the debt as one of consumer.In addition, can audit, to carry out reconciliation to the record of submitting payment to of transaction in the future with at the debt of businessman.

In the step 202 of Fig. 2, be emitted in the notice of creating the buyer and the peculiar sub-account of businessman in the account to the buyer as one of consumer.Creating the notice of sub-account can point out to ask the buyer to get in touch the buyer's publisher so that set up sub-account explicitly with the account, thereby when participating in concluding the business in the future, can on sub-account, pay this and conclude the business in the future when businessman with as one of consumer's the buyer.

In step 204, receive the affirmation that sub-account has been set up in indication.This affirmation can comprise: buyer's title, set up the publisher's of sub-account title, the designator of sub-account, businessman's title, or the marginal credit of sub-account.

In step 206, there are a plurality of numbers of owing in a plurality of debts or the debt if exist, for each buyer as one of consumer adds up to number at businessman owed.As previously mentioned, the marginal credit of sub-account can be set to the debt for the seller with the buyer, the buyer is for the part of the seller's debt, the buyer is for the number of owing in the seller's the debt, the buyer is for the part of the number of owing in the seller's the debt, or is complementary as the total number that one of consumer's the buyer owes businessman.

In step 208, selectively send the notice of the transaction in future that submission need pay on sub-account to businessman, wherein said transaction in future is a feature with the buyer and the businessman as one of consumer that participates in transaction in the future.Transaction for example can be at owing number in the future, the part of the number of owing, or add up to the number of owing.This notice can comprise: the designator of sub-account, the due date of the designator of sub-account, the number of owing, add up to the number of owing, can transmit the date of transaction in the future, the purchase order number that is associated with owing number, or the shipping list number that is associated with owing number.

In step 210, selectively receive at owing number or add up to conclude the business the future of the fund that the number of owing is complementary.For example, transaction processor can receive transaction in the future from the getter that is associated with businessman, and wherein transaction processor can be asked the fund that publisher Zhi Fuyu is complementary as one of consumer's number that the buyer owes.The transmission of transaction in the future can comprise: the fund quantity of request, the designator of sub-account, the purchase order number that is associated with owing number, or the shipping list number that is associated with owing number.As previously mentioned, whether can on sub-account, pay this in step 212 checking and conclude the business in the future, and give the publisher on sub-account at the Notice Of Transactions in future that step 214 can be paid.In addition, as the realization of front, can give the publisher with the Notice Of Transactions in future, and not need to send the notice of submitting the transaction in future to, receive the transaction in future in the transmission, or verify and on sub-account, to pay this step of concluding the business in the future to businessman.

With reference to figure 2, in step 216, each buyer that can audit is at the debt of businessman, whether received each buyer to corresponding to the payment at each number of owing in the debt of this businessman so that determine businessman.

In another is realized, handle each all as a plurality of buyeies of one of consumer at a plurality of debts as the seller of one of businessman.Receive a plurality of debts, comprising corresponding each consumer's identifier (step 104).For each consumer's identifier, send first notice to corresponding consumer, the corresponding consumer of this notice request make corresponding publisher set up corresponding consumer exclusive sub-account, so that making can pay on sub-account in the future concludes the business, its neutron account be associated with account in the payment processing system (step 202).

For each sub-account, add up to corresponding each consumer's debt, and the marginal credit of sub-account is set to and aggregated debts be complementary (step 206).Send second notice to businessman, this notice request businessman form comprise sub-account designator together with the transmission (step 208) of corresponding consumer's transaction in future.Reception comprises sub-account designator and the transmission (step 210) of transaction in the future.Checking can be paid this and conclude the business in the future (step 212) on sub-account, and notifies the publisher can pay this conclude the business in the future (step 214) on sub-account.

After conclude the business in the future liquidated and clearing, can remove the related of the sub-account and the corresponding seller, and it is related with another seller.For example, the publisher notifying can pay transaction in the future on sub-account after, thereby and finish transaction in the future in transaction in the future related seller payments after the fund, can remove the related of sub-account and the seller who has been paid, and it is related with another seller, can be so that make in the transaction in the future of second between payment consumption person and another seller on this sub-account.In order to illustrate, Sears Holding company (" Sears ") can have a sub-account, and it can be collected at the Black with number of the account " 12345 "; The payment of Decker company.Transferring accounts at Black﹠amp; After the fund of the number of owing of Decker company, Sears can ask the publisher of the sub-account of Sears to remove this sub-account and Black ﹠amp; The number of the account of Decker company is the association of " 12345 ", and should sub-account be associated with another seller General Electric Co. Limited.

With reference to figure 4, in another is realized, in method 400, handle the buyer's accounts payable and carry out reconciliation.In step 402, receive the buyer's of accounts payable with a plurality of sellers and their corresponding each PO number accounts payable file.Remainder at each seller's manner of execution 400 in the accounts payable file.In inquiry 404, determine whether the seller accepts the payment on the interior account of payment processing system.For example, the access server database is so that determine whether the seller in the accounts payable file is one of businessman.As previously mentioned, if seller identifier and merchant identifier coupling, then the seller is received in the payment of carrying out on the account.If inquire about 404 whether determine that the seller is not received in the payment of carrying out on the account, then in step 406 with the processing of the method except that account accounts payable.In addition, the step 408 notice buyer seller do not accept the buyer and the seller the exclusive virtual account that is associated with the account, such as sub-account, on the payment carried out.Receive from the buyer for earnestly ask the approval that seller's acceptance can be paid on this virtual account in step 410.In step 412, earnestly ask the seller and accept on this virtual account, to pay at transaction in the future between the buyer and the seller.Accept the change that on this virtual account, to pay at step 414 update service device database so that reflect the seller.

If inquire about 404 be defined as be, the seller is received on the account and pays, and then proposes second inquiry, the inquiry 416.In inquiry 416, determine the accounts payable file indication of type of payment.If the type of payment in the accounts payable file does not point out that the seller was received on the account and pays that then step 406 indication is by the processing of the method except that utilizing account accounts payable.In addition, in inquiry 418, determine whether the seller is received on the virtual account to pay.If inquiring about 418 points out that the seller is not received on the virtual account and pays, do not accept payment on the virtual account the step 408 notice buyer seller, (step 410) receives for the approval of earnestly asking the seller, (step 412) earnestly asked the seller and is received on the virtual account and pays, and (step 414) update service device database so that the reflection seller is received on the account is now paid.

Pay for the seller is received on the virtual account if inquire about 418 result, then the type of payment in step 420 notice buyer changes accounts payable file so that the reflection seller is received on the virtual account is paid.In this was realized, the type of payment that is stored in the server database surpassed the type of payment that is included in the accounts payable file.In step 414, update service device database is so that the reflection seller accepts the payment on the account.

Pay for the seller was received on the account if inquire about 416 result, make inquiry 422.In inquiry 422, determine whether the seller is received on the virtual account to pay.If inquire about 422 result for not, the seller does not accept the payment on the virtual account, pays but then be received in to pay on the account not to be received on the virtual account the step 424 notice buyer seller.In step 426, receive from the buyer for create the buyer and the seller the approval of exclusive virtual account.In step 428, create the buyer and the seller exclusive virtual account.In addition, the information in the update service device database is so that the reflection seller is received in the variation of paying on this virtual account.

Can add up to the accounts payable of the buyer at the seller.Point out that the seller is received on the virtual account and pay if inquire about 422,, be the seller or buyer's aggregated accounts payable then in step 430.In step 432, with the marginal credit adjustment of virtual account or be set to be complementary at the seller's aggregated accounts payable with the buyer.In inquiry 434, determine whether to have set in advance the automatic clearance and the clearing of accounts payable.If clearance and clearing should take place automatically, then clear and settle accounts the transaction in future for the number of the seller's aggregated accounts payable at the buyer in step 440.Yet, point out not set in advance automatic clearance and clearing if inquire about 434, then notify the seller to form a transmission in step 436, this transmission comprises the transaction in future at the number of aggregated accounts payable, so that request total number purpose is cleared and clearing, and comprise the associated indicator of PO.Receive the transmission at the transaction in future of the number of aggregated accounts payable of the associated indicator that comprises PO from the seller in step 438.In step 440, clearance and clearing are at the transaction in future of the number of aggregated accounts payable.

In step 442, receive accounts payable file, and audit at the transaction in future of aggregated accounts payable by the method for former description.In step 444, will send to the buyer about the report of audit, the seller or both.

In another is realized, receive the single or some debts of consumer at single or some businessmans, wherein each debt comprises the corresponding merchant identifier at each businessman.For each merchant identifier, send first notice to the consumer, this notice request consumer make the publisher in the account, set up corresponding businessman exclusive sub-account conclude the business so that can on this sub-account, pay in the future.For each sub-account: receive the affirmation that the publisher has set up sub-account; Total is at each debt of corresponding each businessman; The marginal credit of sub-account is set to and is complementary at the aggregated debts of corresponding businessman; Send second notice to corresponding businessman, the corresponding businessman of this notice request forms and comprises that sub-account designator is together with the transmission of transaction in the future; The designator that receives sub-account is together with transaction in the future; Use the designator checking of sub-account can on sub-account, pay transaction in the future; With notify the publisher on sub-account, to pay this to conclude the business in the future.Subsequently, based on such as trade is cleared, the finishing of the time suitable to moulding of marginal credit, the factor of accounting cycle and account balance can further be adjusted marginal credit so that reflect remaining unsettled debt.Sub-account for the consumer at after being used to complete of single or some debts of corresponding each businessman, reusable this sub-account of another businessman after the time period of appointment for example.

Payment processing system

Background information is such as described previously, the those of ordinary skill in payment system field is understood easily, and the transaction in the payment system is such as payment transaction, can comprise the participant from different entities, each in these participants is an assembly of payment processing system.Fig. 5 shows the payment processing system of example as payment processing system 500.Payment processing system 500 comprises publisher 504, all publishers as described; Transaction processor 506, all transaction processors as described; Getter 508, all getters as described; Businessman 510, all businessmans as described; With consumer 502, all consumers as described.Getter 508 can be communicated by letter by transaction processor 506 with publisher 504.Businessman 510 can utilize at least one can with getter 508, service point (POS) terminal of transaction processor 506 or publisher 504 communications.Therefore, the POS terminal is operationally communicated by letter with payment processing system 500.

Usually, transaction begins so that start the exchange of goods or service such as providing the account number of the account by use a computer terminal or portable consumer device 512 to businessman 510 with consumer 502.Consumer 502 can be individual or company's entity.Consumer 502 can be the account holder of the account set up by publisher 504, such as the joint account possessor of account, maybe can visit the people of the account, such as the employee of corporate entity that can the visited company account.Portable consumer device 512 can comprise Payment Card, Gift Card, smart card, intelligent medium, wage card, health card, wrist strap comprises the machine readable media of accounts information, supermarket discount card or such as can be from the key chain device of the commercial SPEEDPASS (R) that obtains of ExxonMobil company, cell phone, personal digital assistant, pager, safety card, computing machine reads card, wireless terminal, or transponder.Portable consumer device 512 can comprise easy mistake or nonvolatile memory so that canned data, such as number of the account or account holder's title.

Businessman 510 can use receiving station equipment, such as the POS terminal, so that obtain accounts information from portable consumer device 512, such as account designator (for example, the number of the account of account).Portable consumer device 512 can use and comprise the electronics that is fit to arbitrarily, magnetic or optical interface system---such as the contactless system that uses radio frequency, magnetic field recognition system, or such as the contact system of magnetic strip reader---mechanism connect the POS terminal.The POS terminal sends transaction authorization request to the publisher 504 of portable consumer device 512.Replacedly or in combination, portable consumer device 512 can with publisher 504, transaction processor 506 or getter 508 communications.

Publisher 504 can use transaction processor 506 authorized transactions.Mandate comprises that publisher 504 or transaction processor 506 represent publisher 504 such as by using business rule to authorize publisher 504 the relevant transaction of instruction.Business rule can comprise that from transaction processor 506, the consumer 502, businessman 510, and getter 508, the publisher 504, the instruction of financial institution or its combination or criterion.Transaction processor 506 can keep the daily record or the history of the transaction that is authorized to.In case go through, businessman 510 can write down mandate, and allows consumer 502 to receive goods or service.

Businessman 510 can discrete periodic, such as one day ending, submits the tabulation of authorized transactions to other assemblies of getter 508 or payment processing system 500.Transaction processor 506 can write down the authorized transactions tabulation submitted to and its own authorized transactions and compare.If the coupling of discovery, transaction processor 506 can send to the corresponding publisher 504 that each exchange relates to from corresponding getter 508 with the request of authorized transactions number.In case getter 508 is received the payment from publisher 504 authorized transactions quantity, it can such as service charge, be forwarded to businessman 510 with should payment deducting any tranaction costs.If transaction relates to debtor account or prepaid card, getter 508 is not waited for initial payment before can being chosen in payment businessman 510.

Intermittently step can be arranged in the superincumbent processing, and some in them can take place simultaneously.For example, getter 508 can start clearance and settlement process, and this can cause at the payment of transaction number to getter 508.Getter 508 can be from transaction processor 506 request clearance and settlement bargains.Clearance comprises the financial information exchange between publisher 504 and the getter 508, and clearing comprise the fund exchange.

Transaction processor 506 can provide with the clearance of concluding the business and settle accounts relevant service.For example, can after the mandate of transaction, relate to the clearance and the clearing of the transaction of prestige.Settlement of transactions relates to publisher 504 from clearinghouse, such as the publisher clearing bank, cancels the number of settlement of transactions, so that deposit back office in, such as settling bank.Transaction processor 506 deposits the number of settlement of transactions in the getter clearing bank.Corresponding getter 508 takes out the number of settlement of transactions from the getter clearing bank.Usually publisher 504 selects the publisher clearing bank, and transaction processor 506 is selected settling bank, and getter is selected the clearing bank.When transaction related to debtor account, clearance can occur in during the authorisation process.Therefore, common transaction relates to various entities so that request, authorizes and fulfil transaction processing at clearance and clearing.

Should be appreciated that use software, hardware or its combination, realization can be the form of steering logic, can be module or integrated form.In conjunction with the method that realization disclosed herein is described, the step of processing or algorithm can directly be included in the hardware, in the software module by the processor execution, or in both combinations.

For example show and be used to handle the example client-server environment of the buyer for the seller's debt with reference to 6, one block schemes of figure.Server S (i) 602 can or be distributed in a server farm (server farm) on the geographic position by individual server and form.Server S (i) 602 can be connected to SDB (J) 604 communicatedly, such as server database.SDB (J) 604 can for example be made up of a plurality of SDB (j-i) 604.Server S (i) 602 can be connected at least one client computer C (k) 608 communicatedly by network 606.Network 606 for example can be an Ethernet, wireless network, LAN (Local Area Network), wide area network, World Wide Web, Internet, HPNA Home Phoneline Networking Alliance's network, power line communication network or its combination.Network can comprise the constructed in hardware piece of interconnect network nodes, such as: bridge, hub, switch, router or network interface unit (NIC).Make up piece and can pass through conductive cable (galvanic cable), microwave link, optical cable connects, or quilt is such as passing through for example radiowave or electromagnetic wave wireless connections.

Client computer C (I) 608 can be connected to client database, such as CDB (L) 610.CDB (L) 610 can be that geography upward distributes or be positioned at single position.

In one implementation, transaction processor can utilize server S (i) 602 so that with the processing of computer implemented code, when carrying out these codes, and the step of expression in the execution graph 1 to 4.SDB (J) 604 can store the debt of reception, consumer's identifier, and merchant identifier, the transaction of reception, and the buyer is to other related data of the automatic processing of the seller's payment.Similarly, client computer C (K) 608 can utilize CDB (L) 610 canned datas.For example, buyer's ERP can be communicated by letter so that store the buyer's accounts payable with CDB (L) 610.

Can carry out in the indicated order or by another sequence manner of execution or handle in each step or action.In addition, can ignore one or more processing or method step, maybe can give method and handle increases one or more processing or method step.Additional step, module, or action can be added to beginning, ending, or between the existing element of insertion method and processing.Based on open and instruction provided herein, those of ordinary skill in the art is used for understanding other modes and/or the method for various realizations.

Should be appreciated that example described herein and realize only being used for illustration purpose, and those skilled in the art will expect various modifications or distortion in view of the above, and these modifications or distortion are included in the scope of the application's spirit and boundary and claims.

Claims

1. the computer implemented method in the payment processing system, transaction processor is handled a plurality of transaction in described payment processing system, it is feature that each transaction in described a plurality of transaction participates in a described transaction with consumer and businessman on the account in described payment processing system, wherein the publisher has set up described account for described consumer, and wherein said businessman submits to getter with a described transaction, so that handle by described transaction processor, described transaction processor request is issued an artificial described transaction from described consumer's payment, and wherein said publisher is transmitted to described transaction processor with fund, described transaction processor is transmitted to described getter with described fund so that pay the described businessman of a described transaction with described fund, and described method comprises:

Receive described consumer at described the seller's and comprise the debt of seller identifier;

Use described seller identifier to determine whether the described seller is an interior described businessman of described payment processing system;

When the described seller is not a described businessman, send the cooperation of seeking the consumer so that ask the described seller to become first notice of a described businessman in the described payment processing system to described consumer;

With

When the described seller is a described businessman:

To described consumer send requesting consumption person make described publisher in described account, set up a described businessman exclusive sub-account so that can be in second notice of the described transaction in future of payment between described consumer and described businessman on the described sub-account;

Receive the affirmation that described publisher has set up described sub-account, comprising the designator of described sub-account;

Receive the described transaction in future between described consumer and the described businessman, comprising the designator of described sub-account;

Use the designator checking of described sub-account can on described sub-account, pay described transaction in described future; With

Notify the described publisher can be in the described transaction in described future of payment between described consumer and described businessman on the described sub-account.

2. computer implemented method as claimed in claim 1 also comprises:

Receive a plurality of described debt of described consumer, comprising corresponding each seller identifier for a plurality of described sellers; With

For each described seller as a described businessman:

Use corresponding seller identifier to add up to a plurality of described debt of described consumer for each described seller;

The marginal credit of corresponding sub-account is set to be complementary for a plurality of described debt of each described seller's total with described consumer; With

Send each described seller of request submits the described transaction in future that can pay on corresponding sub-account to each described seller's corresponding getter at the fund that is complementary for a plurality of described debt of each described seller's total with described consumer the 3rd notice to each described seller.

3. computer implemented method as claimed in claim 1, the seller who also is included as a described businessman carries out:

Receive the mark that described transaction in the future is liquidated and settle accounts, described fund wherein liquidated and clearing has been used for the first of described consumer for each described seller's debt; With

After receiving described mark, the marginal credit of corresponding sub-account is set to be complementary for the second portion of the described seller's debt with described consumer.

4. computer implemented method as claimed in claim 1 also comprises by carrying out at least one in the following step, helps to carry out the payment of described consumer for the described seller's debt:

Ask described publisher at the value that is complementary for the number of owing in the described seller's the debt with described consumer, for the described transaction in future that can on described sub-account, pay from described consumer to described seller payments fund as a described businessman;

Ask described publisher at owing the value that number is complementary with described, for the described transaction in future that can on described account, pay from described consumer to described seller payments fund as a described businessman;

Ask first financial institution at owing the value that number is complementary and submit check to the described seller from described consumer with described;

Ask second financial institution at described owe value that number is complementary from described consumer to described seller's delivery of the bill of exchange;

With

Ask the 3rd financial institution at owing the value that number is complementary and submit automatic clearance credit transfer to the described seller from described consumer with described.

5. computer implemented method as claimed in claim 4 also comprises by described value and the described number of owing are carried out reconciliation, carries out the audit of described consumer for the described seller's debt.

6. computer implemented method as claimed in claim 5, wherein said reconciliation comprise at least one be equal to of determining in following:

The first purchase order identifier that is associated with described value and owe the second purchase order identifier that number is associated with described;

The first shipping list identifier that is associated with described value and owe the second shipping list identifier that number is associated with described; With

Described value and the described number of owing.

7. computer implemented method as claimed in claim 6 also comprises to described consumer sending the auditing result that comprises the information of selecting from by the following group of forming:

The described number of owing;

Described value;

The first purchase order identifier;

The second purchase order identifier;

The first shipping list identifier;

The second shipping list identifier;

Whether the first purchase order identifier is equal to the second purchase order identifier;

Whether the first shipping list identifier is equal to the second shipping list identifier;

Whether described value is equal to the described number of owing; With

Its combination.

8. computer implemented method as claimed in claim 1 also comprises at least one the customer profile that receives from described consumer in the type of payment that comprises described seller identifier, the described seller's description and the described seller are accepted.

9. computer implemented method as claimed in claim 1 also comprises receiving the notice that the described seller has become a described businessman in the payment processing system.

10. computer implemented method as claimed in claim 1, wherein first notice also seeks to notify the described consumer of the described seller to ask the described seller to become the permission of a described businessman in the payment processing system from described consumer.

11. computer implemented method as claimed in claim 1 determines that wherein whether the described seller is that a described businessman in the payment processing system comprises at least one in following:

Described seller identifier and the merchant identifier that is stored in the described seller in the server database are mated, and described server database will represent that whether the described seller is that the information and the merchant identifier of an interior described businessman of payment processing system is linked; With

Whether is the information of a described businessman in the payment processing system from described consumer for the described seller of retrieval expression the described seller's the debt.

12. computer implemented method as claimed in claim 1, wherein said checking can comprise in the step of payment described transaction in the future on the described sub-account described consumer and a described businessman are mated with the data in the described transaction in future that is receiving.

13. computer implemented method as claimed in claim 1, the described transaction in future between the described consumer who wherein receives and the described businessman is associated for the described seller's debt with described consumer.

14. computer implemented method as claimed in claim 1, wherein said consumer is selected from the group of being made up of following for the described seller's debt: bill, purchase order, accounts payable and shipping list.

15. computer implemented method as claimed in claim 1, also be included in after the described publisher's of notice the step, and in described transaction in the future after the liquidated and clearing, remove the related of sub-account and a described businessman, and described sub-account is associated with another described businessman, can be so that make in the second described transaction in the future between the described consumer of payment and another the described businessman on the described sub-account.

16. the computer implemented method in the payment processing system, in described payment processing system, transaction processor is handled a plurality of transaction, participating in a described transaction on the account of each transaction in described a plurality of transaction with consumer and the artificial described consumer's foundation of the distribution of businessman in described payment processing system is feature, wherein said businessman submits to getter so that handled by transaction processor with described transaction, described transaction processor request is issued artificial described transaction from described consumer's payment, and wherein said publisher is transmitted to described transaction processor with fund, described transaction processor is transmitted to described getter so that pay described businessman for described transaction with described fund with described fund, and described method comprises:

Receive a plurality of debts of described consumer, and each described debt comprises the merchant identifier of each described businessman for a plurality of described businessmans;

For each merchant identifier, to described consumer send first the notice, the described consumer of described first notice request make described publisher in described account, set up corresponding described businessman exclusive sub-account in case can on described sub-account, pay future described transaction;

Be each described sub-account corresponding to each described businessman:

Receive the affirmation that described publisher has set up described sub-account;

Total is corresponding to the debt of each described businessman;

The marginal credit of the corresponding described sub-account of aggregated debts of setting and each described businessman;

Send second notice to described businessman, the described businessman of described second notice request comprises the designator and the described transaction in the future of described sub-account;

Receive the designator of described sub-account together with described transaction in the future;

Use the designator checking of described sub-account can on described sub-account, pay described transaction in the future; With

Notify described publisher can on described sub-account, pay described transaction in the future.

17. as the method for claim 16, wherein said verification step comprises coupling:

The second consumer's identifier that is stored in first consumer's identifier in the server database and in described transaction in the future, receives; With

Second merchant identifier that in described transaction in the future, receives and with corresponding the 3rd merchant identifier that is stored in the server database of described sub-account.

18. as the method for claim 16, also comprise, carry out audit for debt by the value of the fund of described transaction in the future and the aggregated debts of each described businessman are carried out reconciliation.

19. as the method for claim 18, wherein said reconciliation step comprises at least one be equal to of determining in following:

The second purchase order identifier in first purchase order identifier that is associated with a described debt and the described transaction in the future;

The second shipping list identifier in first shipping list identifier that is associated with a described debt and the described transaction in the future; With

The number of owing in the value of described fund and the described debt.

20. the computer implemented method in the payment processing system, in described payment processing system, transaction processor is handled a plurality of transaction, it is feature that each transaction in described a plurality of transaction participates in a described transaction with consumer and businessman on the account in described payment processing system, wherein the publisher has set up described account for described consumer, and wherein said businessman submits to getter with a described transaction so that handled by described transaction processor, the artificial described transaction of the described distribution of described transaction processor request is from described consumer's payment, and wherein said publisher is transmitted to described transaction processor with described fund, described transaction processor is transmitted to described getter with described fund so that be that a described transaction is paid described businessman with described fund, and described method comprises:

Receive the buyer for described businessman and comprise the debt of the described buyer's buyer identifier;

Use described buyer identifier to determine whether the described buyer is an interior described consumer of described payment processing system;

When the described buyer is not a described consumer, send first notice to described businessman, described first notice is sought the described consumer in the described payment processing system of permission described businessman becomes to(for) the described buyer of request;

With

When the described buyer is a described consumer:

Send second notice to a described described consumer, the described described consumer of described second notice request make described publisher in described account, set up described businessman exclusive sub-account so that can be in the described transaction in future between described described consumer of payment and the described businessman on the described sub-account;

Receive the described transaction in future between a described consumer and the described businessman, comprising the designator of described sub-account;

Notify the described publisher can be in the described transaction in future between payment a described consumer and the described businessman on the described sub-account.

21. the computer implemented method as claim 20 also comprises:

Receive a plurality of debts of a plurality of described buyeies for described businessman, wherein each described debt comprise the corresponding buyer exclusive buyer identifier; With

Be each described buyer as a described consumer:

Use corresponding buyer identifier to add up to a plurality of debts of each described buyer for described businessman;

The marginal credit of corresponding sub-account is set to be complementary for a plurality of described debt of the total of described businessman with each described buyer; With

Send the 3rd notice to described businessman, the fund that the described businessman of described the 3rd notice request is complementary at a plurality of described debt with each described buyer's total, described getter is submitted in the described transaction in future that can pay on corresponding sub-account.

22. as the computer implemented method of claim 20, also comprise, help to carry out the payment of the described buyer for the debt of described businessman by carrying out at least one in the following step:

Ask described publisher at the value that is complementary for the number of owing in the debt of described businessman with the described buyer, for the described transaction in future that can pay on corresponding sub-account is paid described fund from the buyer as a described consumer to described businessman;

Ask described publisher at owing the value that number is complementary, for the described transaction in future that can pay on described account is paid described fund from the buyer as a described consumer to described businessman with described;

Ask first financial institution at owing the value that number is complementary, submit check to described businessman from the described buyer with described;

Ask second financial institution at owing the value that number is complementary with described, from the described buyer to described businessman delivery of the bill of exchange;

Ask the 3rd financial institution at owing the value that number is complementary and submit clearance credit transfer automatically to described businessman from the described buyer with described; With

Ask the 4th financial institution at owing the value that number is complementary, in financial institution's cooperation body, submit the financal messaging of the money transfers of request to from the described buyer to described businessman with described.

23. as the computer implemented method of claim 22, also comprise, carry out the audit of the described buyer for the debt of described businessman by described value and the described number of owing are carried out reconciliation.

24. the computer implemented method in the payment processing system, in described payment processing system, transaction processor is handled a plurality of transaction, it is feature that each transaction in described a plurality of transaction participates in a described transaction with consumer and businessman on the account in described payment processing system, and described method comprises:

Receive a plurality of debts of a plurality of described consumers for described businessman, wherein each described debt comprise each described consumer exclusive consumer's identifier;

Send first notice to each described consumer, the described consumer of described first notice request make described publisher set up described businessman exclusive sub-account, so that can pay described transaction in the future on described sub-account, wherein said sub-account is associated with described account; With

Be each described sub-account corresponding to each described consumer:

Total is corresponding to each described consumer's debt;

The marginal credit of setting and each described consumer's the corresponding described sub-account of aggregated debts;

25. computer implemented method as claim 24, also be included as each described consumer, by for each described sub-account to carrying out reconciliation for the aggregated debts of described businessman in the future value and each described consumer of the fund of described transaction payment, carry out audit at a plurality of debts of described businessman.

26. as the computer implemented method of claim 25, wherein said reconciliation comprises at least one in following of coupling:

The second purchase order identifier in first purchase order identifier that is associated with a debt in the described debt and the described transaction in the future; And

The second shipping list identifier in first shipping list identifier that is associated with a debt in the described debt and the described transaction in the future.