CN101617333A - Transaction finance disposal system and way - Google Patents
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- CN101617333A CN101617333A CN200780043629A CN200780043629A CN101617333A CN 101617333 A CN101617333 A CN 101617333A CN 200780043629 A CN200780043629 A CN 200780043629A CN 200780043629 A CN200780043629 A CN 200780043629A CN 101617333 A CN101617333 A CN 101617333A
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Abstract
Promote to be used to handle the trade management of the payment related fields of transaction.According to example embodiment of the present invention, on behalf of the buyer or other debt sides, a kind of trade management way relates to handle payment.These payments are for example in conjunction with being undertaken by accounts payable or other functions that the buyer/debt side realized.In some applications, payment processes relates to the trade credits way, wherein represents the buyer/debt direction credit type account to pay.
Description
Relevant patent documentation
Patent document requires in the U.S. Provisional Patent Application No.60/849 that is entitled as " Transaction Finance Processing System and Approach (transaction finance disposal system and way) " of submission on October 6th, 2006 according to 35 U.S.C. § 119 (e), 920 rights and interests, this application is included in this by quoting all.
Invention field
The present invention relates to communication and data processing, relate in particular to communication and the data processing relevant with the financial sector of processes financial transactions.
Background
To for the contract between the buyer related in the exchange of the commodity (for example, product and/or service) of commercial object, the seller, the financial institution etc. and conclude the business mutual operational administrative normally workload and time-intensive.Usually, the excessively heavy and inefficiency to the management of the transaction between the commercial entity.
The traditional financial of the payment aspect of transaction is handled and is usually directed to invoice or other payment request information that the buyer entity processing is received from the seller.Based on to the examination of invoice with honour, buyer entity is with the payment of one or more generations (all) in the various forms and so that the cash application detail that the time of the buyer's business practice and mode will be paid and be associated is delivered to (all) sellers.
Conventional payment processes always generally is consuming time and has introduced suitable Operating Complexity.For example, the buyer concludes contract with numerous different sellers usually, and wherein each seller is generally with multi-form submission invoice data and require the different modes of payments and/or process.Therefore payment processes is usually directed to the numerous difference in functionalitys in the different time execution.For example, must be received and handle such as those payment request information that exist usually in the invoice.Invoice is handled and usually to be related to some steps, comprise fulfil to the assessment of transaction with guarantee to pay according to invoice, to the invoice coding so that this expense in the buyer's financial records book can by book keeping operation correctly, under invoice approval and the situation about checking and approving to the payment of invoice.Further, the cash flow problem of buyer entity can drive specific payment processing capacity/way, changes those function/ways of related (all) any corresponding expenses that the seller imposed such as the extension that relates to the day of payment and the day of payment.In addition, the cash flow problem of seller entities can drive the existing function/way of specific receipts, sells accounts receivable to obtain cash and to force at the seller's any corresponding expense and those function/ways that right of recourse requires by the entity of buying this accounts receivable such as relating to giving a discount before receiving fund from the buyer.
Many transaction also relate to the each side of the different stage that is in payment hierarchy.For example, when the middle seller sells product or when service to the buyer, intermediary seller is some or all from the seller that honours an agreement (for example, supplier) buying (that is, buying) this product or service usually.Honour an agreement the seller according to honouring an agreement with the contract of intermediary seller, provide goods and/or service to the buyer directly or indirectly.Intermediary seller is drawn a bill for the buyer at transaction, and the buyer pays the bill to intermediary seller according to the contract price clause between the buyer and the intermediary seller.The seller that honours an agreement draws a bill for intermediary seller at transaction via complete difference and irrelevant process.Intermediary seller subsequently according to intermediary seller with honour an agreement between the seller the contract price clause via with the buyer to the different and irrelevant fully process of the process of intermediary seller payment to the seller parties of honouring an agreement.
In above example, every part of contract and needing various invoices and correlated activation (book keeping operation, trade credit extension, adjustment etc.) in the contract chain between the buyer, third side and the seller under the situation about being suitable for.Be consuming time on these activity essence, easily make mistakes and usually be repeatability or conflict, carry out work about the difference and the imperfect version of the information of same transaction because difference side is a basis.For example, the buyer can or raise funds needn't take out cash immediately to supplier's payment, perhaps can determine simply to put off to third side's payment to avoid taking out cash immediately.The third side can or seek to provide temptation to quicken to collect payment by the form with discount to the buyer, receives that at once cash replaces the buyer's just remittance abroad payment at last thereby perhaps the accounts receivable discounting can be sold to the third party.The third side is in the position identical with the buyer alternately with respect to third side and the seller's that honours an agreement.At last, the side of honouring an agreement is in the position identical with the third side with respect to seeking to accelerate its cash charging.All these financial steps can be carried out by different financial institutions, and these financial institutions only have separately about some information of transaction and all available situation of this limited information and all information and compare the calculating that causes higher fund raising cost.These are usually directed to promote the complex protocol of transfer of financial resources with related alternately.May there be delays in payment often or about the dispute of the modes of payments.In addition, this process is very easily made mistakes.Interaction complexity, postpone, make mistakes and numerous other characteristics of transaction payment can spend a side of transaction or substantial contribution in many ways.
Most of industries all are highly competitives, and therefore any cost savings are all very important.Handling cost is the object that will reduce, because management function can directly not produce income.Yet the handling cost that is associated with business transaction has been difficult to reduction under the current business circumstance that the wide dispersion data are arranged.
Above and other difficulty in the management of transaction and the coordination has proposed management and cost challenge to related commercial entity in the each side of transaction.Particularly, the management to the payment function between the buyer and seller entity has proposed technical interoperable, tissue and cost challenge.Organize the rank drilling to do owing to carry out the mutual buyer and seller entities in that for example different branch location, subsidiary corporation etc. are a plurality of, these challenges are further aggravated.Further since transaction become more complicated, in payment chain, relate in a plurality of countries in many ways, parties and respective pay system thereof are had different disposal systems, therefore management and realize that payment function becomes and have more challenge; Existing treating method and device do not show the technical functionality that is enough to address these problems.
General introduction
The present invention is directed to overcome above-mentioned challenge and with discussed above and other equipment challenges relevant in using with application type.The present invention has done to illustrate in several realizations with in using, and wherein some are summarized as follows.
According to example embodiment of the present invention, a kind of intelligent computer network and SIU system interface unit promote the interface with numerous teleprocessing systems, (for example to use via debt side, the buyer) computing machine that provides generates information and represents debt side to realize electronics audit and payment according to the transaction data of the transaction between debt side and the owed parties (for example, the seller).Process payment is programmed to and long-range debt side and owed parties processor interface, to pass on the programming exclusive data and to handle this data according to preference and rule based on the proprietary code of predefine.Usually, such embodiment comes to carry out as debt side about using that automated transaction is checked and approved and accounts payable is handled as the special-purpose dedicated calculation machine readable data of the robotization of electronic transaction data audit, so that the integrated network of various computing machine system (with different sides) energy interoperability, and can generate and handle E-Payment automatically.Carry out this processing centralized to promote (that is) data interaction, simultaneously with respect to the special-purpose essence of handling participant's service data away from the buyer or the seller.
Another example embodiment according to the present invention and the above relevant or corollary application that embodiment is discussed, the information that provides according to owed parties realizes payment to owed parties in conjunction with owed parties and through checking and approving transaction between the debt side.Usually, such embodiment checks and approves and the accounts receivable processing about using dedicated calculation machine readable data to carry out automated transaction as owed parties, and via intelligent computer network and system realize as described above.
According to another example embodiment of the present invention, a kind of automated payment treating apparatus is via checking and approving and to pay for the transaction processing electronics that relates to the different buyeies and the seller with the mutual of different parties and payment processing system.This device comprises transaction processor (for example, the one or more processors in the device), its according to the concrete contract of definition between the buyer and seller the contract information of storing seller's invoice is associated with the particular transaction that relates to the buyer and the seller.For each associated invoice, processor is according to the contract information of storing that is provided by one of the buyer and seller invoice of auditing, and on behalf of the buyer, one of at least the contract information of storing promote to carry out fiduciary payment to the seller among use invoice audit and the buyer and the seller.The mechanized data of the record by using database storing for example to characterize to represent the seller payments that the buyer carries out is safeguarded this record.
For each transaction, (for example, clearing) are paid in transaction processor realization (for example, handling) fund-raising request to collect also from the buyer at the payment of representing the buyer to offer the seller.According to the payment of representing the buyer to carry out optionally to each buyer's collection cost, and according to the fund-raising of representing the seller to carry out and collection optionally to each seller's collection cost.In the present context, optionally collection cost can comprise not collection cost, to one of the buyer and seller collection cost, to the buyer and seller's collection cost, and in some applications, collection comprises tranaction costs and both expenses of credit extension expense (for example, interest).
According to another example embodiment of the present invention, a kind of automated transaction processor is suitable for promoting being the buyer entity processing of paying.Buyer entity provides Transaction Information to promote to the payment of buyer entity participation with the owed parties of its transaction to processor.Transaction Information generally comprises the abundant Financial Information (for example, owed party identity, payment, payment address, the date of payment, the finance account that debts) of each owed parties, so that processor can be paid to owed parties.Processor is represented buyer entity and is handled payment according to Transaction Information to each owed parties.Processor further promotes credit function, is used to follow the tracks of represent the payment that the buyer carries out and just handle service and/or credit extension to buyer's collection cost.
According to another example embodiment of the present invention, a kind of automated transaction processor is suitable for promoting seller entities (owed parties) is quickened payment.Seller entities provides Transaction Information to processor, to promote quickening to receive fund from the fund raising entity that the debt side of the entity representative transaction of wherein raising funds provides with funds.The abundant Financial Information that Transaction Information generally comprises each debt side (for example, debt side's identity, balance due, payment address, answer the date of payment, credited finance account), so that processor can (from the fund raising entity) pay to owed parties, and make that each fund raising entity can be from the gathering of just suitable debt side.Processor is handled payment according to the fund raising agreement between Transaction Information and the seller and the processor to each owed parties.Processor further promotes collection function, be used for follow needle to the invoice bought from each owed parties (seller) should (for example, each buyer) collects from each debt side payment and be used for just handling service and/or credit extension to each seller's collection cost.In some applications, financial institution's direct secondary liability side gathering; In other were used, financial institution was from doing sth. in advance to the gathering when owed parties is received payment from just fitting debt side of its owed parties of paying.
Above general introduction of the present invention is not to be intended to describe each illustrated embodiment of the present invention or each realization.The following drawings and detailed description more specifically illustrate these embodiment.
The accompanying drawing summary
Consider in conjunction with the drawings can more completely understand the present invention to the detailed description of various embodiments of the present invention,
In the accompanying drawing:
Fig. 1 illustrates according to the traction processing apparatus of example embodiment of the present invention and way;
Fig. 2 illustrates the payment processes device and the way that relate to multistage buyer entity according to example embodiment of the present invention;
Fig. 3 illustrates the process flow diagram of the transaction processing of another example embodiment according to the present invention;
Fig. 4 illustrate according to the present invention another example embodiment to device and way based on the transaction system of trade credits; And
Fig. 5 illustrates according to the traction processing apparatus of example embodiment of the present invention and way.
Though the present invention can comply with various modifications and replacement form, its details is shown in the drawings and will describe in detail as example.Yet should be understood that not to be that intention will be defined in the present invention described specific embodiment.On the contrary, its intention covers and drops on by all modifications, equivalents and alternative within the defined the spirit and scope of the present invention of claims.
Describe in detail
Believe that the present invention is applicable to various dissimilar communications and financial process management approaches, and found that its application to the realization that relates to payment relationship trading process and each side thereof and application is particularly useful.Though the present invention needn't be defined to this type of way, each side of the present invention can be understanded the discussion of various examples by using these and other contexts.
According to example embodiment of the present invention, a kind of payment management way relate to the buyer's agreement terms under representative and the seller that commodity (for example, goods and/or service) the are provided buyer that signs contract manage and handle the payment aspect of transaction.Be used for representing each buyer to handle payment for each buyer's stores profile information and with it.The buyer also provides contract information to process payment, comprise describe in detail the contract relevant provision such as data such as the day of payment, Audit data (for example, being used for before payment guaranteeing the data that contract is fulfiled), seller information or the like such as using correct price etc.Process payment promotes anyly must interface to combine foregoing with the buyer and seller's processor or transaction machine and communicate, and serve as central authorities or long-range/independent operation person, thereby cross over the integrality of the gap while service data between the different operating system based on the proprietary buyer and seller's (computer-readable) data.Realize similar interface with relevant financial institution and/or system, and promote at the proprietary data/code of just suitable part via this type of mechanism.
When from the seller's receipt of invoice, whether process payment audit invoice is consistent with the contract information of being stored and/or the buyer or the seller's profile information to assess this invoice.Information in the invoice (for example transaction id or seller ID) and contract data and/or the profile data stored are compared.If information in the invoice and available contract and/or profile information do not match, then can be via sending error messages to the seller who draws a bill and/or request from the buyer entity of its payment with the interface of the seller's invoice processor or machine.If information in the invoice and contract and/or profile data are complementary, then correspondingly this invoice is associated with the contract data of being stored.
Use the contract information stored to audit associated invoice guaranteeing that the payment to the seller that invoice is provided is correct, and further determine the mode of paying.Correspondingly, the also definite mode that will check from the buyer's fund.Being used for of being stored, the audit contract information of invoice can comprise the amount of money and/or the correct information of other clause of the correct or invoice of the payment that for example is used to guarantee to the seller.For example, audit can relate to the contract information that inspection stores and fulfil its contractual duties to guarantee the seller, and wherein the buyer provides the indication of storing with contract information to provide the feedback of situation of the commodity of invoice to accepting the seller for it.Audit can also relate to quantity, price, linear module, description or other features checked on the invoice and be complementary to guarantee these features and contract data, is perhaps guaranteeing under the situation (promptly being set forth) that allows change that any change is all within the appointment mobility scale in contract and/or profile data.
In case checked and approved payment via audit, just used in contract data and/or the transaction buyer that relates to and/or the seller's profile information to characterize the mode of will pay.For example, contract data can be specified the rule that will pay to the seller, such as with time of payment, method of payment (for example, bill, credit or Electronic Transfer), the place of payment (still being financial institution's payment of the seller for example) and in conjunction with the rule of any expense that is associated to the seller.Profile information can be specified the payment terms, all time as discussed above, method or place, and wherein for example these transaction features have been specified the option scope for these conditions.
Following the tracks of the payment of representing the buyer to carry out in various contexts collects money from this buyer for follow-up.In certain embodiments, the payment of carrying out to the seller is bought as accounts receivable and is realized.That is, the recommending with guarantee of the buyer (or other) bank buys Unpaid invoices (that is, " trade accounts receivable ") from the seller of certain buyer and its transaction goods and/or service.The seller obtains the amount of money of accounts receivable usually is less than the payment of (for example, be equivalent to discount, service charge or payment ahead of time and encourage) of the actual balance due of the buyer, and this finishes the original transaction of (having closed) between the buyer and the seller effectively from the seller's viewpoint.This type of accounts receivable of bank tracks is bought and it is stored as the trade accounts receivable that can collect from the buyer.In the present context, the buyer may not know the seller and receive that the buyer thinks that still it is the payment of the invoice of unclear accounts payable (i.e. " trade accounts payable "), or in fact " payment " address on the invoice has been quoted and recommended safe deposit box that bank manages or other accounts receivable mechanisms (physics or other) with guarantee.Using under the situation of these ways, this system realizes and based on the another interface of the system of trade credits, with the transmission of promotion fund, accounts receivable and other related datas just suitablely.The buyer and vendor system are just issued in relevant interface communication and computer-readable (code) instruction suitablely, with the essence of the reflection any payment relevant with trade accounts receivable, debt, credit line or other fund correlated characteristics.Similarly, just suitable interface communication and instruction are to require---institute's postage due gold being characterized by debt or trade accounts receivable such as being used for---to send according to any report or related management.
In above and other example embodiment and in the context of the related realization of describing, promote interface with different system and machine herein in various modes.Usually, to communicating with mutual with promotion because of the different transaction machine of the seller is provided with interface just suitablely because of buyer's XOR.Exclusively safeguard the different various computing machine readable data of code to realize that this interface and processing exchange between each system because of the user.Safeguard that exclusively further code is to carry out mutual with E-Payment machine that is positioned at one or more parties position and system.
In an example embodiment, needn't directly relate to the seller such as those transaction processing functions discussed above and just can be performed.For example, the buyer can specify the direction ad-hoc location of selling of (for example, in the profile information) buyer and its signing contract that invoice is provided, and transaction processing is carried out in this position.Invoice can be forwarded or directly send to transaction processor when being submitted to electronically.The seller correspondingly collects payment and needn't be mutual with process payment, and the seller cannot see in fact that invoice is not sent directly to the buyer or payment is not a situation about directly being provided by the buyer in some applications.
In another example embodiment, all those transaction processing functions as described above needn't directly relate to the buyer and just can be performed.For example, sell and to specify (for example, in profile information) to sell its buyer that goods and/or service be provided of direction with ad hoc fashion or to paying to the special entities such as third party financial institution of seller payments such as accelerating.The seller just receives payment from this financial institution prior to (no matter or) buyer's payment.The buyer can carry out this way so that cannot see the situation of being paid to the seller by third party financial institution in essence, wherein the buyer (for example pays the bill according to the clause that is provided with between buyer and seller, such buyer paid is settled accounts at the specified amount that the buyer owed, and it can be independent of any payment of carrying out to the seller and take place).In some applications, this way accounts receivable that gives a impetus to trade is bought, so that third party financial institution buys accounts receivable (wherein for example according to the amount of money less Commission of owing the seller immediately to such seller payments) from the seller effectively, and from owing buyer's gathering of this accounts receivable.
Profile information discussed above generally comprises information employed when handling representative and/or relate to the transaction of parties, and depends on that application can comprise various information.For example, the fiduciary issue information of the agreement of honour between the financial institution data that can when realizing payment, use and account data, the reflection buyer or the seller and financial institution and/or the transaction processing entity (, be used to issue trade credits) or can be stored with profile information with other information of the relation of traction processing apparatus about each buyer.In some instances, profile information is used to promote the visit of the buyer to the data of being stored.In other examples, profile information comprises that also seller profile information is for the sign buyer and its signing contract and can be to its seller who pays.For this reason, the audit approach that is used for that invoice and contract data are mated discussed above can comprise further that the seller who guarantees to provide invoice has stored the profile information that the indication seller participates in the appropriateness of contract (and the payment that correspondingly obtains corresponding invoice).
In other are used, represent the buyer and buyer subsidiary corporation at relating to different subsidiary corporatioies and signing the seller's of contracts the accounts payable functions of different transaction execution certain buyer with these subsidiary corporatioies.For example, (for example participate in such accounts payable at the A of parent company with the B of subsidiary corporation and C, trade credits) in the occasion of way, to seller parties, follows the tracks of together with coming together and the assessment payment such as any expenses such as interest or disposal costs at the A of parent company with the name of B of subsidiary corporation and C.For this reason, promote the payment to the different sellers in the mode that easily is the A of parent company tracking, manages and control from different subsidiary corporatioies.In some applications, the single transfer of financial resources from the A of parent company can carry out (for example periodically, such as every month) at setting-up time to make up for numerous payments of carrying out under the name of B of subsidiary corporation and C.
Forward accompanying drawing now to, Fig. 1 illustrates the accounts payable payment processes device of another example embodiment according to the present invention.Away from and with payment processes device 105 management of the buyer, the seller and financial institution's interface (for example, the commodity payment of the transaction between) the seller, wherein the buyer pays for goods and/or service with goods and/or service are provided to the buyer.On behalf of the buyer, process payment 146 use payment data 140 based on the seller, profile 142 and contract data 144 to handle payment to the seller.The buyer who comprises operation buyer transaction machine 110-114 and a plurality of parties (and hereinafter it being commonly referred to as the buyer or the seller) of operating the seller of seller transaction machine 120-124 are shown by way of example.Though some buyer and the seller are shown, this example embodiment and related approaches thereof both can be applicable to numerous these type of each side, also can be applicable to the parties of the other types that can realize at various sights.For example, as described above, can promote payment, wherein collect the fund of this payment from the buyer of parent company and/or the buyer of subsidiary corporation at the buyer's of parent company the buyer of subsidiary corporation.
Except the each side that participates in business immediately, payment processes device 105 is also mutual with the profile that financial institution or these mechanisms are maintained in the payment processes device, comes to provide (or reception) fund for the handled transaction of this payment processes device by financial institution.For this reason, buyer financial institution 150-154 and seller financial institution 130-134 also are shown by way of example.
It is mutual and handle its proprietary code that payment processes device 105 is programmed to the different sides with this transaction---comprising the buyer, the seller and financial institution---.For this reason, optionally realize comprising the one or more interface among buyer machine interface 111, seller's machine interface 121 and the financial machine interface 147, just to make different transaction can be convenient between these different systems, carry out alternately suitablely.Payment processes device 105 is safeguarded corresponding each parties and proprietary being convenient to of systems/machines thereof is carried out mutual necessary code.
In an embodiment who relates to the buyer, the seller and financial interface 111,121 and 147, seller's (transaction machine) 120 directly sends computer-readable invoice data 123 to payment processes device 105.Seller's machine interface 121 promotes to carry out alternately with invoice data and handle this data according to the rule of receiving from buyer machine via buyer machine interface 111 or other data.Financial machine interface 147 is respectively the buyer and seller financial institution generates and pass on intercomputer electronic funds transfer data 151 and 131.In the present context, the technological essence of payment processes device defines alternately and by it with carrying out required the carrying out alternately of automatic and proprietary processing capacity, thereby realizes the interoperability based on the various systems of machine.
Storage based on the seller's payment data 140 for 105 visits of payment processes device (for example, perhaps be stored on the payment processes device or be stored in the remote accessible position) such as buyer node or other databases.Payment data 140 based on the seller generally comprises the authorized sellers tabulation that can represent each buyer to handle its invoice.In addition, can comprise the different settlement term because of the seller based on the seller's payment data 140, on behalf of each certain buyer, payment processes device 105 handle payment according to these clauses.
For on behalf of each buyer, each buyer 110-114 storage profile 142 handle payment for payment processes device 105.These profiles 142 generally comprise and are used to identify each buyer and information that communicates with and the use information of using payment processes device 105 about each buyer.
Payment information in the profile 142 generally comprises is enough to represent each buyer to handle the information of payment.For example, payment information can identify each buyer and will and obtain the required any associated authorization of fund from the financial institution that identifies from its family that provides with funds or how tame financial institution.Payment information further identifies from each buyer's financial institution and extracts fund with time of making up for the payment of carrying out to the seller or the function that is used for determining to extract from this financial institution the time of fund.For this reason, the use information of discussing about credit extension characteristics more than can paid to the seller and be that the payment information of the expense of the time durations extension of credit between the payment extraction fund is realized from the buyer's financial institution with being used to impose.
On behalf of certain buyer, the fund of each transaction provide (for example, to realize settle accounts) in time of payment of transaction or by another time that each buyer arranged by a family or how tame buyer financial institution.For example, the buyer postpone its to the payment of transaction and/or by cycle or other periodically period be under the situation of All Activity payment, this family or how tame buyer financial institution are provided with funds for numerous (or being suitable for) payment that the representative buyer carries out.
In a concrete example, the buyer 110 buys from the seller 120,122 and 124.Each seller draws a bill for during the specific cycle of entering an item of expenditure in the accounts the buyer 110, and with these invoices or directly or via the buyer convey to payment processes device 105.Audit invoice to guarantee that invoice is a payables by the buyer 110 or by payment processes device 105 (according to the buyer 110 profile 142 and/or contract data 144).The fund of invoice is to represent the buyer 110 to offer corresponding each seller (for example, giving one of seller financial institution 130-134) according to the settlement term in the buyer 110 and the seller's the contract data 144 via payment processes device 105.
In some implementations, the buyer 110 safeguards credit record and needn't provide with funds that wherein the payment processes device is imposed the credit expense and some or all funds in the credit record are delayed subsequent transaction interim to the buyer when particular transaction period finishes.In using other this type of, the capital amount of delay can be limited to the specific credit line of setting up for the buyer 110 (for example, the name with the buyer is stored in the profile 142).Such credit line also can realize (wherein credit record delayed subsequent transaction interim) in conjunction with payment processes device 105 for being used for during particular transaction period of extending of the buyer 110 and/or at total credit amount of money of the process payment invoice of some transaction period.
In conjunction with another example embodiment, payment processes device 105 is adapted such that each side of transaction can visit Transaction Information according to user profiles.In one example, sign under the situation of contract with the entity of handling accounts payable functions at the buyer 110 and operation payment processes device 105, the buyer is given the user name and password, and this user name and password is stored in the profile 142 and allows the buyer can visit information on the payment processes device.This information for example can comprise payment data 140, profile 142 or the contract data 144 based on the seller.In addition, also randomly make such as with can be obtained by the buyer 110 to the relevant status information of the invoice of seller 120-124 payment, the credit balance of being correlated with etc. with this type of invoice.
In some applications, the buyer 110 also be allowed to visit payment processes device 105 in case with employed information interaction in handling payment.For example, the invoice that offers payment processes device 105 from seller 120-124 can be stored and subsequently by the buyer's 110 visits to check and approve.Thus, the buyer 110 can be mutual so that provide approved for payment to it with payment processes device 146, the process payment 146 and then represent buyer to realize paying to the seller of the main body of checking and approving as this.Other buyeies can comprise alternately, for example select settlement term, allly pay off the fund in the credit record relevant, imposed in this way or the fund imposed of permission is not retained in the credit record (and, whether the expense that is associated with credit extension for example takes place) to the buyer 110 with the invoice of representing buyer payment.
In another example embodiment, the transaction processing way relate to representative with they between the different buyeies of the corresponding contract transaction relevant with the seller arranged the buyer to seller parties, wherein collect money from the buyer at the payment payment group of trade accounts receivable (or as) as follows.Transaction processor is associated seller's electronic invoice data acquisition according to the contract data of being stored with the data that characterize the particular transaction that relates to the buyer and the seller.For each invoice data set that is associated, transaction processor uses and is the contract information of one of the buyer and the seller electronics storage invoice data set of auditing, and generates audit result data in response to audit.Transaction processor use audit result data and the buyer and seller stored in one of at least contract data represent the buyer to carry out payment based on electronic credit to the seller's electronic banking system.For the transaction that relates to certain buyer, transaction processor is safeguarded the record data represent the seller payments that the buyer carries out, and handles EFT (Electronic Funds Transfer) to collect electronic accounting at the E-Payment of representing the buyer to offer the seller from the buyer.Transaction processor following according to the contract between one or more treating methods, the buyer and seller, profile data and/or transaction processor operator and the contract between the buyer and/or the seller to one of the buyer and seller or both collection costs optionally.By coming optionally to each buyer's collection cost representing E-Payment that the buyer carries out to generate the computer-readable cost data, this cost data is associated expense and the Fee Amount of being imposed electronically with the buyer.By at the fiduciary fund-raising of representing the seller to carry out with pay collection by mails and generate the computer-readable cost data and come optionally to each seller's collection cost, this cost data is associated expense and the Fee Amount of being imposed electronically with the seller.This way can for example be used with above and describe with regard to all the other accompanying drawings with Fig. 1 is described or following, and---such as just Fig. 4 and/or the described way of Fig. 5---similarly device is carried out.
Fig. 2 illustrates the accounts payable treating apparatus and the way 200 of another example embodiment according to the present invention.Represent all departments of buyer entity 210 and buyer company and under its indication, promote accounts payable away from the buyer and the seller's accounts payable processor 230, all departments comprise the A of department (220), B (222) and C (224), it can use different computer systems to manage its business activity separately, can realize randomly that wherein other departments and these three illustrate as example.In conjunction with the 220-224 of buyer department and/or buyer entity 210 with its with regard to commodity (for example, goods and/or service) carry out mutual numerous sellers and manage accounts receivable.
Accounts payable processor 230 in various realizations with the above Fig. 1 of combination in the similar mode discussed of payment processes device 105 operate.Thus, accounts payable processor 230 generally comprises and/or visits contract, profile, the seller and other information useful when representing buyer entity 210 and the 220-224 of buyer department to handle payment.
Payment is set buyer entity 210 and on behalf of the 220-224 of buyer department, accounts payable processor 230 handle the clause of payment in view of the above.Further, accounts payable processor 230 promotes buyer entities 210 visits with the relevant accounts payable information of transaction between the 220-224 of buyer department and the seller 240-244.Finance that the payment of transaction is provided at the exchange that relates to the 240-244 of buyer department via buyer entity 210 and payment information are to realize with similar mode discussed above.
Thus, on behalf of buyer entity 210 and the 220-224 of buyer department, accounts payable processor 230 promote in time to pay to seller 240-244.The payment that accounts payable processor 230 follow needle are carried out to seller entities 240-244 the credit accounts of buyer entity 210, and further quote the buyer department that relates in each payment.Accounts payable processor is according to the profile information of buyer entity and be the term of credit of buyer entity 210 (and correspondingly being the 220-224 of buyer department) these payments of extending in some cases according to the profile information of buyer department.When transaction period or another special time finished, accounts payable processor 230 was handled from buyer entity 210 financial institution of buyer entity (that is, from) money transfer to make up for the payment of carrying out to seller 240-244.Thus, on behalf of buyer entity 210 and the 220-224 of department thereof, accounts payable processor 230 in time pay to seller 240-244, and periodically (for example from the buyer entity collection, single) payment to be making up for all payments of having done, thereby simplifies from the buyer entity payment and be the buyer entity extend trade credit.
Fig. 3 is the process flow diagram that is used to handle the transaction method that relates to the buyer and the seller of another example embodiment according to the present invention.This method for example can be used and abovely to realize in conjunction with payment processes device 105 that Fig. 1 discussed and/or in conjunction with the accounts payable processor 230 that Fig. 3 discussed.At frame 300 places, receive and store buyer's profile information to be used to the representing buyer to handle accounts payable functions.At frame 310 places, receive and store the contract data of describing the agreement terms between each buyer and this buyer intention and its seller who makes business.
When the invoice received at frame 320 places from the seller, information in the invoice and the contract data of being stored at frame 310 are compared to determine whether this invoice relates to particular transaction.If the invoice of receiving at frame 320 places and any contract data of being stored are not complementary, then use information in the invoice and/or buyer's (if having) of contract data institute's note on the seller that invoice is provided and/or invoice to return error messages.After returning error messages, process at frame 385 places such as following further discussion ground continue.
If in frame 325 place's invoices and the contract data of being stored coupling, then at frame 340 places according to the contract data that the is complementary invoice of auditing.Audit for example can comprise the value of invoice and desired value or value scope with the contract data storage are compared.This invoice value can comprise for example fixed value or the value relevant with quantity, such as every cost of the transaction that relates to multinomial article (or a series of transaction).In addition, audit can comprise that other invoice projects such as comparison such as pay day, discount, additional cost can be addressed to the agreement terms of being stored to guarantee this invoice.
If do not think that at frame 345 places this invoice is a payables, then return error messages to the seller that invoice is provided and/or buyer's (if having) according to information in the invoice and contract data.After returning error messages, process at frame 385 places such as following further discussion ground continue.
If think that at frame 345 places this invoice is payables (via the audit of frame 340), then handle invoice, and promote to represent the buyer to seller payments according to contract data at frame 370.In frame 380 is in the buyer's credit accounts, reflect the payment that is promoted subsequently, be used for imposing fund to the buyer in the future.
After in frame 380 is in the buyer's credit accounts, having reflected the payment that is promoted, if if fail to be complementary with the contract data of being stored or as discussed above do not think that at frame 345 places this invoice is a payables at frame 325 place's invoices, then process continues at frame 385 places.If be used to represent the transaction period of certain buyer processing accounts payable to finish at frame 385 places, then initiate to be used for exercising the payment process of payment to make up for the payment of representing the buyer to be carried out from certain buyer at frame 390 places.Payment process can relate to and those similar ways discussed above, wherein extracts fund and/or is buyer's extension of credit from the buyer's account.If do not finish in frame 385 place's transaction period, then process continues at frame 320 places, to receive other invoices from the seller, in the transaction period end.
What Fig. 4 illustrated according to the present invention another example embodiment is used to handle trade credit 400 based on the transaction of trade credits.Rule-based transaction processor 420 is that various users handle and the managing transaction data, and promotes to be user's extend trade credit.Data storage device 401 storage that comprises the one or more identical memory modules that are positioned at one or more (geography) position is used for leading subscriber account and transaction and management by rule-based transaction processor 420 and is the information of user's extend trade credit.Be stored in by use in the subscriber profile information 402 of data storage device 401 by the set preference of each user, on behalf of each user, rule-based transaction processor 420 handle payment, follow the tracks of handled payment and for user's extend trade credit so that be handled payment fund-raising.Trade credits is used and is extended via rule-based transaction processor 420 set creditor terms, wherein further optionally imposes tranaction costs to each user.
Receive user profiles 402, business rules 404 and trade credit agreement data 406 and it is stored in the data storage device 401.These data are directly stored via the ISP of operating means 400 or via rule-based transaction processor 420 (for example, the control user is to the visit of data memory storage 401).
User profiles 402 comprises about being authorized to and the mutual user's of trade credit 400 information and other information of being discussed as in the example above.Each side for trade credit 400 handled transaction---for example the buyer, the seller and/or financial supplier---stores profile information.
Business rules 404 comprises the contract data that for example identifies the agreement terms between the buyer and the seller.In some applications, the acceptable business practice scope of business rules 404 definition is wherein created effective contract between the buyer and seller by rule-based transaction processor 420 according to business rules; If between the contract startup stage, make an exception, just require user interactions to solve this exception (under just suitable situation).
Trade credit agreement data 406 comprise be used to buyer's extension of credit because of the different information of the buyer, to be used to the handled transaction payment of trade credit 400.This information for example can comprise extracting payment or from a family of its extend trade credit or the sign of how tame financial institution from it.Operator in trade credit 400 represents under the situation of buyer's extension of credit, trade credit agreement data 406 comprise such as interest rate, again pay period, check and approve rank information such as (for example, credit lines).In the present context, the operator can be the entity of physics (for example, hardware, software) aspect of operation trade credit 400, or the data (for example, business rules, profile) that realized by the trade credits agreement of management and the operator of user capture/participation.
In a kind of sight, invoice data 410 is sent to rule-based transaction processor 420.Information in the association processor 422 use invoice datas 410 generates the profile request (for example, user ID or the similar information in the use invoice data 410) that will send to data storage device 401.Data storage device 401 returns subscriber profile information 421, and it is associated association processor 422 usefulness certain buyer with invoice data 410.
In case certain buyer is associated with invoice data 410, rule-based transaction processor just sends the request to the business rule data of certain buyer, and returns business rules 423 from data storage device 401.The trade credits balance of trade credit manager 426 request msg memory storages 401, data storage device 401 returns trade credits equilibrium criterion 425, and the latter is used for determining by rule-based transaction processor whether certain buyer has abundant trade credits to come to provide with funds for the payment of invoice data 410.If there is abundant trade credits to use, then use business rules to authorize payment to invoice data 410, wherein payment authorization data 430 are sent to the financial institution 432 that pays the bill and pay 434 to the seller to represent this certain buyer.In some applications, financial institution 432 is operated or otherwise realized in the operator of trade credit 400.
In some applications, rule-based transaction processor 420 realizes that tranaction costs processor 428 is to imposing transaction fee for the transaction buyer or the opposing party of its extension trade credit.Transaction fee data 450 is sent to buyer financial institution and/or data storage device 401, to be used to promote the payment to tranaction costs.In some applications, imposing tranaction costs as unified expense and/or according to the amount of money of the payment authorization 430 that during the specific period, carries out to the buyer on the periodic basis.
Fig. 5 illustrates the accounts receivable of another example embodiment according to the present invention and buys treating apparatus and way.The each side of the device among Fig. 5 is similar in conjunction with those of Fig. 1; Thus, though marked some similarly, can exist for all realizations but do not require strict corresponding between the module of Fig. 1 and 5.
Except the each side that participates in business immediately, payment processes device 105 is also mutual with the profile that financial institution or these financial institutions deposit with the payment processes device, comes to provide (or reception) fund for the handled transaction of this payment processes device by financial institution.Thus, buyer financial institution 150-154 and seller financial institution 130-134 also are shown by way of example.In some applications, these financial institutions directly be associated (that is, the buyer or the seller in representative or directly from this type of mechanism that the corresponding buyer or the seller provide with funds, have account or have agreement with it or other arrangements) with the buyer or the seller.In other are used, these financial institutions and payment processes device 105 (that is its operator) negotiation promotes the extension of term of credit, payment ahead of time is provided or otherwise is device 105 handled transaction fund raisings to the seller under the seller's request represent the buyer.Such application can for example realize in conjunction with the way shown in Fig. 1, wherein payment processes device 105 is realized based on the seller's payment data 140 and based on the seller's fund-raising and collection data 141, optionally to be accounts payable raise funds (the accounts payable amount of money that the fund raising buyer is owed) and/or buy accounts receivable (before buyer paid in advance to seller parties, and and then to just suitable buyer's gathering).
Continuation is with reference to figure 5, and storage is visited (for example, perhaps on the payment processes device or in the remote accessible position, such as buyer node or other databases) based on the seller's fund-raising and collection data 141 for payment processes device 105.Fund-raising and collection data 141 based on the seller generally comprise the authorized buyer tabulation that can represent each seller to handle its invoice.
In some applications, comprise different fund-raising item because of the seller based on the seller's fund-raising and collection data 141, such as one the buyer that defines or define the buyer to some extent or specify country define the maximal value of the buyer's the invoice of not collecting money to some extent.Payment processes device 105 uses based on the seller's fund-raising and collection data 141 and handles payment according to the invoice that each seller has issued the buyer that defines to each seller.
For each seller 120-124 storage profile 142 is used for handling fund-raising and collection at the invoice that each seller issues authorized buyer for each seller for payment processes device 105.These profiles 142 generally comprise be used to identify each seller and the information that communicates with and about each seller use payment processes device 105 raise funds and the information of collection (that is, between the operator of the seller and payment processes device 105 and just suitable part the seller with one clause, other agreements of conditioned disjunction between the tame or how tame financial institution).
Payment information in the profile 142 generally comprises is enough to represent each seller to handle the information of fund-raising and collection.For example, fund-raising and collection information can identify at give authorized buyer through checking and approving invoice to each seller's advance fund funding and tame or a how tame financial institution and the required any associated authorization of financial institution's (for example, 110-114 or 130-134) extraction fund from identifying of collection service is provided.Payment information further identifies the time of funds release, or is used for determining providing the invoice that the function (or condition) of the time of fund is bought from the seller with fund-raising from each buyer's financial institution or from the just suitable buyer's financial institution.Thus, the use information of discussing about credit extension characteristics more than can be used to impose at the invoice of giving authorized buyer to the seller in advance Zhi Fuyu receive that from this authorized buyer the payment information of the expense of the time durations extension of credit between the fund of the invoice of raising funds realizes.
On behalf of goods or the service of particular vendors described in conclude the business, the fund of each transaction be delivered in the buyer or provided by another time that each seller arranged by a family or how tame seller financial institution.For example, accelerate under its situation to the payment of transaction the seller, a family or how tame seller financial institution are provided with funds to numerous (if being suitable for) payment that the seller carries out at the invoice of being issued one or more authorized buyer by the seller.Provide quicken payment financial institution next afterwards time or to the seller of its prepayment payment (for example, the buyer with regard to the financial transaction time to seller parties after), perhaps the financial institution from the buyer collects money.
In a concrete example, the seller 120 is to the buyer 110,112 and 114 sell out or services.The seller 120 draws a bill and the seller conveys to payment processes device 105 with these invoices to this each buyer (110,112 and/or 114).By the buyer 110 or by payment processes device 105 (according to the seller 120 and/or the just suitable buyer's profile 142 and/or the contract data 144) invoice of auditing to guarantee that invoice is a payables.Under the situation that expects the payment in future that will be undertaken by one of the buyer 110,112 and/or 122, (for example, by one of seller financial institution 130-134) offers the seller 120 with the fund of corresponding invoice.As discussed above, this pays in the future and can carry out to the just suitable seller, and the financial institution of wherein raising funds perhaps can directly directly carry out this from just suitable buyer's (via payment processes device 105) and pay in the future subsequently from seller's gathering.Thus via payment processes device 105 according to the seller 120 and the buyer 110,112 and/settlement term in 122 the contract data 144 carry out future and pay.
In some implementations, payment processes device 105 is safeguarded risk record for each buyer.In this way, process payment can continue the advance fund funding to the seller under situation about not receiving from the payment of just fitting the buyer, wherein payment processes device 105 is imposed financing cost and some or all funds in the risk record are delayed subsequent transaction interim to each seller.In application-specific, delaying capital quantity is subjected to the specific credit line set up for each certain buyer and the corresponding seller (for example, name with the seller is stored in the profile 142) limit, or the credit line that is subjected to only to be associated with the corresponding seller is limit (that is, under the situation that the seller keeps financial institution is responsible for).Thereby such credit line also can be in conjunction with payment processes device 105 by realizing (wherein credit record delayed subsequent transaction interim) for the credit total charge that particular vendors provides buying invoice during the particular transaction period and/or in the process in some transaction period.
In some specific embodiment, shown in Figure 4 and in conjunction with its described way with the U.S. Patent No. 5,910 of authorizing Hahn-Carlson, the shipping type transactions described in 896 realizes.Other specific embodiments are at all returning the U.S. Patent application S/N.10/436 of Hahn-Carlson, 878 (" AutomatedTransaction Processing System and Approach (automated transaction disposal system and way) "), 10/864, described in 761 (" the Automated Transaction Processing System and Approach (automated transaction disposal system and way) ") and 11/149,977 (" Distributor-based Transaction ProcessingArrangement and Approach (based on the traction processing apparatus and the way of publisher) ") based on the cooperation of the transaction of contract and/or the realization of otherwise transaction processing way.All these patent documentations are complete all by reference includes in this.For example, about U.S. Patent application S/N.10,864,761, can use the main way of describing to mate herein and import invoice into.As another example, about U.S. Patent application S/N.11,149,977, can according to such as using fiduciary way is embodied as publisher applicable to transaction processing herein with reference to the inconsistent mode of Fig. 4 discussion.
Though described some aspect of the present invention with reference to some specific example embodiment, those skilled in the art will recognize that, can make many changes and not break away from the spirit and scope of the present invention it.For example, described agreement terms can realize with the form of the business rules of special entity, and can be further promoted by the user profiles of this entity.In addition, the numerous dissimilar parties of different stage can use way discussed above to realize.For example, under the seller's the situation of example is honoured an agreement in description, can realize among such seller that honours an agreement one or more layers, wherein each is honoured an agreement to sell and can serve as intermediary seller thus.Each side of the present invention is set forth in paying claim.
Claims (23)
1. one kind is used for audit and processing the robotization of the payment of transaction being paid by mails treating apparatus alternately with different processing and financial sector, described transaction relates to the different buyeies and the seller that corresponding contract is arranged therebetween, wherein profile data is specified because of the different proprietary transaction processing code of user, described device comprises the transaction processor machine, is used for:
According to one of at least seller's electronic invoice data acquisition is associated with the data that characterize the particular transaction that relates to the buyer and the seller in storage contract data, buyer's profile data and the seller profile data;
For each invoice data set that is associated,
Use to be the proprietary contract of one of the described buyer and seller electronics storage and the profile data described invoice data set of auditing electronically, and generate audit result data in response to described audit, and
Use described audit result data, represent the described buyer for the profile data of the contract data of one of at least storage among the described buyer and the described seller and storage and handle and pass on payment based on electronic credit to the described seller's electronic banking system;
For the transaction that relates to certain buyer,
Maintenance is to the record data of the seller payments representing the described buyer and carry out, and
Handle the described buyer's fund-raising request is settled accounts with the payment receipt that offers the seller at the described buyer of representative;
By operation buyer's profile and contract data the E-Payment of representing the described buyer and carrying out is generated the computer-readable cost data and come optionally to each buyer's collection cost, described cost data is associated expense and the Fee Amount of being imposed electronically with the described buyer; And
To the fiduciary fund-raising representing the described seller and carry out with pay collection by mails and generate the computer-readable cost data and come optionally to each seller's collection cost, described cost data is associated expense and the Fee Amount of being imposed electronically with the described seller by operation seller profile and contract data.
2. device as claimed in claim 1 is characterized in that, described transaction processor
Owe the described seller's debt and generate and pass on the described data of closing of indication to come electronic banking system to the described seller to handle payment by closing the buyer described in described transaction and the described transaction based on electronic credit, and
Represent to safeguard in the trade account of payable account of buyer institute postage due gold that the record data of represent seller payments that the buyer carries out are to make up for the payment of representing the described buyer to carry out in the concentrated area.
3. device as claimed in claim 1, it is characterized in that, described transaction processor is the programmed computer treating apparatus, it uses because of the different proprietary programming code of different long-distance user's machines different transaction data set is operated, thus with described different transaction machine interfaces and be maintained as different transaction entities proprietary information.
4. device as claimed in claim 1 is characterized in that, described transaction processor comes optionally to each buyer's collection cost by generating computer-readable disposal cost data at the transaction processing expense.
5. device as claimed in claim 1 is characterized in that, described transaction processor comes optionally to each buyer's collection cost by generating computer-readable credit cost data at the described buyer's extension of credit of representative.
6. device as claimed in claim 1 is characterized in that, described transaction processor comes optionally to each buyer's collection cost to make up for the transaction processing of carrying out for the described buyer and the expense of credit extension by generating the computer-readable cost data.
7. device as claimed in claim 1, it is characterized in that, described transaction processor is managed the accounts payable of certain buyer by the following: the payment by offering the described seller at the described buyer of representative is operated handling EFT (Electronic Funds Transfer) realizing clearing from the described buyer with the financial sector interface the buyer's code, thus at the appointed time at the seller payments of during pay period, representing the buyer to carry out from described buyer collection of funds electronically.
8. device as claimed in claim 1 is characterized in that, described transaction processor
By handle at the electronic banking mechanism that before buyer paid, represents the buyer to particular vendors based on the payment of electronic credit to seller's accounts receivable that term of credit of described payment manages the described seller that extends, and
The fund-raising request to the described buyer handled is to make up for paying in advance of being write down in the described record data.
9. device as claimed in claim 1, it is characterized in that, the clause that described transaction processor basis provides at described transaction in seller invoice data sets is by handling the fund-raising request that is used for collecting from the described buyer clearing with the remote transaction machine interface, thereby handle from the described buyer and receive electronic funds, receive the fund of transaction thus.
10. one kind is used to the robotization of the transaction processing payment that relates to the remote buyer parties and the seller to pay treating apparatus by mails, and the described buyer and the seller are via transaction processing machine and described device interface, and described device comprises the transaction processor system, and it is programmed to:
With seller's invoice machine interface with receive seller's electronic invoice data set merge according to describe between the described buyer and the described seller contract the contract data of being stored described seller's electronic invoice data acquisition is associated with the data that sign relates to the buyer and the seller's transaction;
For each particular transaction that relates to the seller and the buyer,
Use the invoice data of auditing and being associated, and generate audit result data in response to described audit with described transaction for the contract data and the proprietary audit code of the storage of one of the described buyer and seller electronics,
Use described audit result data, described transaction the contract data of storing and institute's store electrons profile data of indicating the fiduciary characteristic one of at least among the described buyer and the seller by passing on computer-readable code to represent the described buyer to handle fiduciary payment to the described seller with the remote payment machine interface and to it, and
Generate to characterize the computer-readable record data of representing the seller payments that the buyer carries out;
Use institute's contract data of store by generating the computer-readable cost data in case use profile and contract data with the expense imposed and Fee Amount electronically with the described buyer and the seller in be associated one of at least next at the fiduciary E-Payment of being handled one of at least collection cost among the buyer in each is concluded the business and the seller optionally; And
Promotion, wherein describedly relates to computer-readable record data that the described buyer's transaction generates and code is operated so that carry out described transfer of financial resources with just suitable financial machine interface at least one pen by using to make up for the payment that the described buyer of representative carries out from each buyer's transfer of financial resources.
11. device as claimed in claim 10, it is characterized in that, described transaction processor promotes transfer of financial resources from the described buyer so that make up for the payments that the described buyer of representative carries out for different transaction at each buyer, wherein carries out payments to described different transaction by using the computer-readable record data that generate at described different transaction to calculate in the payment total charge of carrying out during the pay period during pay period.
12. device as claimed in claim 10 is characterized in that, described transaction processor
Have at least two transaction and handle payment for relating to the attached buyer's of seller transaction buyer matrix,
By optionally at least one of the collection cost of the fiduciary payment handled of the described attached buyer of representative to described female buyer's expense of taxation is used for the attached buyer that optionally relates to and the seller in transaction in, and
Cross promotion at the PayPal that carries out of the described attached buyer of representative and promote transfer of financial resources from each buyer from described female buyer's transfer of financial resources.
13. device as claimed in claim 10 is characterized in that, described transaction processor
Have institute's store electrons profile data that at least two transaction with female buyer's tissue of the attached buyer of seller transaction use described female buyer to handling fiduciary payment at relating to each seller's of attached buyer transaction financial sector,
By optionally being used for optionally in transaction one of at least collection cost among the related attached buyer and the seller to described female buyer's expense of taxation at the fiduciary payment handled of the described attached buyer of representative, and
Cross promotion at the PayPal that carries out of the described attached buyer of representative and promote transfer of financial resources from each buyer from described female buyer's transfer of financial resources.
14. device as claimed in claim 10 is characterized in that, described transaction processor
At relate to have at least two transaction with female buyer's tissue of the attached buyer of seller transaction use for its institute's store electrons profile data of the attached buyer of handling payment to handling fiduciary payment with each seller's of described attached buyer transaction financial sector
By optionally being used for optionally in transaction one of at least collection cost among the related attached buyer and the seller to described female buyer's expense of taxation at the fiduciary payment handled of the described attached buyer of representative, and
Cross promotion at the PayPal that carries out of the described attached buyer of representative and promote transfer of financial resources from each buyer from described female buyer's transfer of financial resources.
15. one kind is used to the robotization of the transaction processing payment that relates to the buyer and the seller to pay treating apparatus by mails, described device comprises transaction processor, and it is configured and is arranged to:
According to describe between the described buyer and the described seller contract the contract data of storing seller's electronic invoice data acquisition is associated with the data that characterize the transaction that relates to the buyer and the seller;
For each particular transaction,
To operating the invoice data of auditing and being associated for the contract data of one of the described buyer and described seller electronics storage because of the different code of the buyer, and generate audit result data in response to described audit with described transaction to use,
The electronic profile data of contract data by using described audit result data, described transaction and the fiduciary characteristic of indicating the described seller extend term of credit of described payment to the described seller, and by vendor code is operated so that represent the described buyer to handle fiduciary E-Payment to the described seller's electronic banking system with the described seller's electronic banking system interface, and
Generate to characterize the computer-readable record data of representing the seller payments that the buyer carries out,
By generating the computer-readable cost data so that expense and the Fee Amount of being imposed is associated with the described seller for handling fiduciary E-Payment optionally to described seller's collection cost electronically by profile and contract data are operated; And
Use the computer-readable record data that generated to promote EFT (Electronic Funds Transfer) to make up for the E-Payment of representing each buyer to carry out at least one transaction that relates to the described buyer.
16. device as claimed in claim 15, it is characterized in that described transaction processor is owed the amount of money that seller's amount of money deducts the expense of optionally imposing to the described seller for described payment and handled fiduciary E-Payment to the described seller's electronic banking system to equal the buyer to described seller payments by promoting EFT (Electronic Funds Transfer).
17. device as claimed in claim 15 is characterized in that, described transaction processor is by promoting EFT (Electronic Funds Transfer) to make up for the E-Payment of representing the buyer to carry out from buyer's collection of funds.
18. device as claimed in claim 15 is characterized in that, described transaction processor is by promoting EFT (Electronic Funds Transfer) to make up for the E-Payment that the described seller of representative carries out from seller's collection of funds.
19. device as claimed in claim 15, it is characterized in that, described transaction processor the seller receive from the buyer's fund as when to the payment of particular transaction by promote EFT (Electronic Funds Transfer) from described seller's collection of funds to make up for the E-Payment that the described buyer of representative carries out to the described seller at particular transaction.
20. device as claimed in claim 15, it is characterized in that, described transaction processor is collected fund that the described buyer provides to the described seller for payment promoting EFT (Electronic Funds Transfer) by being designated as of providing of the described buyer of automatic change to the fund of described seller's Electronic Transfer, thereby makes up for the E-Payment that the described buyer of representative carries out to the described seller.
21. device as claimed in claim 15 is characterized in that, described transaction processor uses the computer-readable cost data that is generated to promote the expense that EFT (Electronic Funds Transfer) is imposed to make up for.
22. one kind be used for different processing and financial sector alternately with audit with handle method to the payment of transaction, described transaction relates to the different buyeies and the seller that corresponding contract is arranged therebetween, wherein profile data is specified because of the different proprietary transaction processing code of user, described method comprise configuration and realize computer processor unit with:
According to one of at least seller's electronic invoice data acquisition is associated with the data that characterize the particular transaction that relates to the buyer and the seller in storage contract data, buyer's profile data and the seller profile data;
To each invoice data set that is associated,
Use to be the proprietary contract of one of the described buyer and seller electronics storage and the profile data described invoice data set of auditing electronically, and generate audit result data in response to described audit, and
Use described audit result data, represent the described buyer for the profile data of the contract data of one of at least storage among the described buyer and the described seller and storage and handle and pass on payment based on electronic credit to the described seller's electronic banking system;
For the transaction that relates to certain buyer,
Maintenance is to the record data of the seller payments representing the described buyer and carry out, and
Handle the described buyer's fund-raising request is settled accounts with the payment receipt that offers the seller at the described buyer of representative;
By coming optionally to each buyer's collection cost representing E-Payment that the described buyer carries out to generate the computer-readable cost data, described cost data is associated expense and the Fee Amount of being imposed electronically with the buyer; And
By generating the computer-readable cost data and come optionally to each seller's collection cost representing the fiduciary fund-raising that the described seller carries out and paying collection by mails, described cost data is associated expense and the Fee Amount of being imposed electronically with the described seller.
23. method as claimed in claim 22 is characterized in that,
Handle payment based on electronic credit to the described seller's electronic banking system and comprise and close the debt that the buyer owes the described seller described in described transaction and the described transaction, and
Safeguard that the record data represent seller payments that the buyer carries out are included in the concentrated area and represent that the maintenance record data are to make up for the payment of representing the described buyer to carry out in the trade account of payable account of described buyer institute postage due gold.
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Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102169560A (en) * | 2011-03-29 | 2011-08-31 | 悦捷科技股份有限公司 | Electronic invoice management system and management method thereof |
| CN109189929A (en) * | 2018-08-30 | 2019-01-11 | 天津做票君机器人科技有限公司 | A kind of information classifying system of negotiation by draft robot |
| CN111160885A (en) * | 2019-12-31 | 2020-05-15 | 中国银行股份有限公司 | Accounting processing method and device |
| WO2022073208A1 (en) * | 2020-10-09 | 2022-04-14 | Alipay (Hangzhou) Information Technology Co., Ltd. | Managing blockchain-based trustable transaction services |
| WO2022073210A1 (en) * | 2020-10-09 | 2022-04-14 | Alipay (Hangzhou) Information Technology Co., Ltd. | Managing blockchain-based trustable transaction services |
| US20230267517A1 (en) * | 2022-02-21 | 2023-08-24 | Ademola Solaru | Integrated Systems And Methods For Contract Process Management |
| US11798050B2 (en) | 2020-10-09 | 2023-10-24 | Alipay (Hangzhou) Information Technology Co., Ltd. | Managing blockchain-based trustable transaction services |
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| AU4207200A (en) * | 1999-04-08 | 2000-11-14 | Hazel Henderson | Marketplace system fees enhancing market share and participation |
| US20020111886A1 (en) * | 2001-02-12 | 2002-08-15 | Chenevich William L. | Payment management |
| US20040181468A1 (en) * | 2003-03-12 | 2004-09-16 | Richard Harmon | System and method of funding a charity |
| US20060167791A1 (en) * | 2004-12-29 | 2006-07-27 | Hahn-Carlson Dean W | Multi-party transaction processing system and approach |
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2007
- 2007-10-05 CN CN200780043629A patent/CN101617333A/en active Pending
- 2007-10-08 AU AU2007221878A patent/AU2007221878B8/en not_active Ceased
Cited By (9)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102169560A (en) * | 2011-03-29 | 2011-08-31 | 悦捷科技股份有限公司 | Electronic invoice management system and management method thereof |
| CN109189929A (en) * | 2018-08-30 | 2019-01-11 | 天津做票君机器人科技有限公司 | A kind of information classifying system of negotiation by draft robot |
| CN111160885A (en) * | 2019-12-31 | 2020-05-15 | 中国银行股份有限公司 | Accounting processing method and device |
| CN111160885B (en) * | 2019-12-31 | 2023-05-02 | 中国银行股份有限公司 | Accounting processing method and device |
| WO2022073208A1 (en) * | 2020-10-09 | 2022-04-14 | Alipay (Hangzhou) Information Technology Co., Ltd. | Managing blockchain-based trustable transaction services |
| WO2022073210A1 (en) * | 2020-10-09 | 2022-04-14 | Alipay (Hangzhou) Information Technology Co., Ltd. | Managing blockchain-based trustable transaction services |
| US11798050B2 (en) | 2020-10-09 | 2023-10-24 | Alipay (Hangzhou) Information Technology Co., Ltd. | Managing blockchain-based trustable transaction services |
| US11935048B2 (en) | 2020-10-09 | 2024-03-19 | Alipay (Hangzhou) Information Technology Co., Ltd. | Managing blockchain-based trustable transaction services |
| US20230267517A1 (en) * | 2022-02-21 | 2023-08-24 | Ademola Solaru | Integrated Systems And Methods For Contract Process Management |
Also Published As
| Publication number | Publication date |
|---|---|
| AU2007221878B8 (en) | 2009-12-17 |
| AU2007221878B2 (en) | 2009-07-23 |
| AU2007221878A1 (en) | 2008-04-24 |
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Application publication date: 20091230 |