CN104718554A - System for unsecured funding to credit card member store via purchase of undetermined future credit obligation - Google Patents
System for unsecured funding to credit card member store via purchase of undetermined future credit obligation Download PDFInfo
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- CN104718554A CN104718554A CN201380051444.1A CN201380051444A CN104718554A CN 104718554 A CN104718554 A CN 104718554A CN 201380051444 A CN201380051444 A CN 201380051444A CN 104718554 A CN104718554 A CN 104718554A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/24—Credit schemes, i.e. "pay after"
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/389—Keeping log of transactions for guaranteeing non-repudiation of a transaction
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Abstract
This invention provides a system for unsecured funding to a credit card member store so that an undetermined future credit obligation based on the sales results for a fixed period is converted to a debt security, without any effect from fluctuations in the regular sales of the member store. The system uses credit card settlement transaction-based sales data to compute credit card settlement transaction sales results for a fixed period from the credit card settlement transactions of the credit card member store, sets the intended period during which credit obligations expected to be generated in the future at the credit card member store are converted to a debt security, multiplies a debt security conversion ratio by the credit card settlement transaction sales results for the previous year period corresponding to the intended period of conversion to a debt security to set the face value of the purchased debt security of a future credit obligation, sets the current-month redemption value for each credit card company, notifies the information processing server of the credit card company to end the redemption of the purchased debt security when there is a match between the cumulative redemption value and the amount of the face value, and notifies the information processing server of the credit card company to extend the redemption value when there is no match between the cumulative redemption value and the amount of the face value even after the intended period of conversion to a debt security has elapsed.
Description
Technical field
The present invention relates to the unsecured capital supply for credit card shop allied (funding, the financing) system bought in based on credit credits in undetermined future.
Background technology
Settlement system based on credit card is following system: provide the shop allied that the shop of article or service etc. is credit card company, the member user of credit card company can be settled accounts by credit card at shop allied.
Like this based in the settlement system of credit card, the shop allied of credit card company, in order to regain sale cost, needs the number of days of about 30 ~ 50, during this period based on card clearing the state of sale for buying on dredit.
Therefore, to there is before this buys money clearing on dredit the inconvenience that effectively can not utilize as mobility fund at hand in the shop allied of credit card company, particularly produces the not enough such problem of procurement payment at the shop allied of the many industry of purchase in cash.
So, propose following two methods: when the transaction of credit card payment is admitted by credit card company, credit card company buys in the credit credits occurred, and uses service charge and factoring (factoring) service to use the amount of money of service charge to pay this early stage Repossession method (with reference to patent documentation 1) buying money on dredit of shop allied by having deducted credit card from dealing money; And correspond to the ameliorative way (with reference to patent documentation 2) that the total dealing money relevant with transaction with credit accepts the cash flow of the such shop allied of financing.
But, based on buying on dredit in the method for factoring of credits, when conclude the business admitted by credit card company after use factoring service at once there are the following problems: need to use factoring service even if become because of the change of the condition of sales etc. of shop allied afterwards, credit card company can not be allowed to buy in the credit credits occurred by this transaction with credit, in addition, in the ameliorative way of the cash flow based on financing, there are the following problems: because close end is refunded, because of the variation of the sales volumes such as the sales volume reduces temporarily, fund in hand is not enough sometimes.
At first technical literature
Patent documentation
Patent documentation 1: Japanese Patent Publication 2003-006541 publication
Patent documentation 2: Japanese Patent Publication 2003-242429 publication
Summary of the invention
The present invention proposes in view of above-mentioned existing problem points, the object of this invention is to provide a kind of for credit card shop allied capital supply system, this system is by the credit credits bond in undetermined future of the sale actual achievement based on certain period, unsecured and do not affect the variation of the short-term sales volume of shop allied.
In order to reach above-mentioned purpose, the buying in based on credit credits in undetermined future of one embodiment of the present invention, for the unsecured capital supply system of credit card shop allied, make use of based on system centre, buying in of undetermined credit credits in future, this system centre possesses the server that capital supply operator uses, the netscape messaging server Netscape of the credit card company that the server that this capital supply operator uses is joined with end device and the described credit card shop allied of credit card shop allied by communication network is connected, it is characterized in that, described system centre server has: credits mode setting part, use the sales data based on credit card payment transaction of described credit card shop allied, calculate the actual achievement credit card payment transaction sales volume of the certain period based on credit card payment transaction of described credit card shop allied, set and will be predicted to be during the credit credits of described credit card shop allied generation in the future carry out the object of bond, actual achievement credit card payment transaction sales volume during year before corresponding with during this bond object is multiplied by bond ratio to set the nominal value buying in bond of credit credits in the future, and these are preserved in a database, and repay management department, the sales data based on credit card payment transaction of the described credit card shop allied later the beginning moon during described bond object is carried out amounting to the moon actual achievement clearing volume calculating each credit card company according to each credit card company, this month actual achievement clearing volume is multiplied by described bond ratio buys in bond of that month refund to the described credits setting each credit card company, and these are preserved in a database, and it is consistent to judge that whether the refund accumulation of the accumulation of described refund being tried to achieve buys in the denomination of bond with described credits, and when be judged as described refund accumulation and described credits buy in the denomination of bond consistent, described credits are bought in the netscape messaging server Netscape of end notification to credit card company of the repayment of bond, and when being judged as during denomination that described refund accumulation and described future, credit credits bought in bond have passed through described object bond also inconsistent, prolongation credit credits in described future being bought in the term of redemption of bond informs to the netscape messaging server Netscape of credit card company.
In order to reach above-mentioned purpose, the buying in based on credit credits in undetermined future of one embodiment of the present invention, for the unsecured capital supply system of credit card shop allied, make use of based on system centre, buying in of undetermined credit credits in future, this system centre possesses the server that capital supply operator uses, the server that this capital supply operator uses has signed the trust company of the contract that point account pays by the end device of communication network and credit card shop allied and described credit card shop allied, the netscape messaging server Netscape that credits reclaim company or operator connects, it is characterized in that, described system centre server has: credits mode setting part, use the sales data based on credit card payment transaction of described credit card shop allied, calculate the actual achievement credit card payment transaction sales volume of the certain period based on credit card payment transaction of described credit card shop allied, set during the benefited power being predicted to be the credit credits occurred in the future at described credit card shop allied is carried out the object of bond, actual achievement credit card payment transaction sales volume during year before corresponding with during this bond object is multiplied by bond ratio to set the nominal value of the benefited power bond of credit credits in the future, and these are preserved in a database, and repay management department, the sales data based on credit card payment transaction of the described credit card shop allied later the beginning moon during described bond object is amounted to and calculates a moon actual achievement clearing volume, this month actual achievement clearing volume is multiplied by described bond ratio to set the of that month refund of described benefited power bond, and these are preserved in a database, and judge refund accumulation that the accumulation of described refund is tried to achieve whether with described future credit credits the denomination of benefited power bond consistent, and when being judged as that described refund accumulation is consistent with the denomination of described benefited power bond, described trust company is given by the end notification of the repayment of described benefited power bond, credits reclaim the netscape messaging server Netscape of company or operator, and when being judged as during the denomination of described refund accumulation and described benefited power bond have passed through object bond also inconsistent, the prolongation of the term of redemption of described benefited power bond is informed to described trust company, credits reclaim the netscape messaging server Netscape of company or operator.
At this, in any one capital supply system above-mentioned, it is characterized in that described credit card shop allied is online shop.
The effect of invention is as follows:
According to of the present invention based on future credit credits buy in, for the unsecured capital supply system of credit card shop allied, credit credits in sale actual achievement according to certain period, undetermined future are carried out bond to carry out the capital collection of credit card shop allied, the shop allied of credit card can be made not guarantee that mobility is in the money at hand by the impact of sales volume variation, this fund can be used for new buying or equipment investment etc., make turnover of funds have enough and to spare.
And the repayment method due to bond is refunded for the fixed proportion of sales volume, so the problem that the repayment difficulty that the shop allied of credit card can be avoided to cause because of the variation of the sales volumes such as sales volume reduces temporarily is such.
Accompanying drawing explanation
Fig. 1 be for illustration of the 1st embodiment of the present invention based on system centre future credit credits buy in, for the figure of the system (factoring mode) of the unsecured capital supply system of credit card shop allied.
Fig. 2 be for the 1st embodiment of the present invention based on future credit credits buy in, the block scheme that is described for the formation of the unsecured capital supply system system centre server of credit card shop allied.
Fig. 3 be for illustration of the 2nd embodiment of the present invention based on future credit credits buy in, for the figure of the system (trust mode) of the unsecured capital supply system of credit card shop allied.
Fig. 4 be for the 2nd embodiment of the present invention based on future credit credits buy in, the block scheme that is described for the formation of the system centre of the unsecured capital supply system of credit card shop allied.
Embodiment
Below, with reference to accompanying drawing describe in detail for implement system centre of the present invention based on future credit credits buy in, the concrete example of the mode of the unsecured system of returning in advance for credit card shop allied.
Fig. 1 be for illustration of the 1st embodiment of the present invention based on future credit credits buy in, for the figure of the system (factoring mode) of the unsecured capital supply system of credit card shop allied.
Body series is bought in premised on the signing of cost transfer contract by the credits between credit card shop allied 10 and capital supply operator 40.
The flow process of body series is described with reference to Fig. 1.Credit credits in undetermined future are sold to capital supply operator 40 as bond by credit card shop allied 10, and cost bought in by the bond that capital supply operator 40 pays credit credits in the future to credit card shop allied 10.Thus, the fund of mobility at hand of needs guaranteed by credit card shop allied 10 unsecuredly.
If during the object of credit credits in credit card shop allied 10 is sold to capital supply operator 40 future, card member 20 carries out buying and producing the credits of buying on dredit as object based on the commodity of credit card or service etc. at credit card shop allied 10, then credit card company 30 receives the payment of credit card trade cost from card member, when paying credit card transaction cost every certain period to credit card shop allied 10, together with the payment to credit card shop allied 10, using the repayment part of bond of a certain proportion of amount of money of the payment of credit card trade cost as credit credits in future, pay capital supply operator 40.The repayment of this bond last till the denomination of the bond that capital supply operator 40 buys in and capital supply operator 40 receive the repayment accumulation of repayment consistent till.
In body series, as long as the shop that credit card shop allied 10 can carry out credit card payment is just passable, it also can be the online shop of the online shopping carried out via the Internet.
In body series, also can comprise credit card management company or credit card payment charg`e d'affaires company between credit card shop allied 10 and credit card company 30.
And, in body series, from the payment to credit card shop allied 10 and capital supply operator 40 of credit card company 30, also can there is the trust company of third party's position in centre, credits reclaim company or operator.
And, from the payment to credit card shop allied 10 and capital supply operator 40 of credit card company 30, can Shi Ka company 30 to capital supply operator 40 full-payout credit card trade cost, capital supply operator 40 pays the remaining credit card trade cost deducted of the repayment part of bond credit credits in future to credit card shop allied 10, also can be credit card company 30 to credit card shop allied 10 full-payout credit card trade cost, credit card shop allied 10 future credit credits the repayment partial payment of bond to capital supply operator 40.
Fig. 2 be for the 1st embodiment of the present invention based on undetermined future credit credits buy in, the block scheme that is described for the formation of the system centre server of the unsecured capital supply system of credit card shop allied.
In fig. 2, the server that system centre server 100 is used as capital supply operator makes, be connected with the end device 15 of credit card shop allied and the netscape messaging server Netscape 25 of credit card company via communication networks such as public line net, dedicated lines, there is Department of Communication Force 105, database 110, bond mode setting part 120, repay management department 130.
The PC (personal computer) etc. that system centre server 100 can use market to sell is formed, about forming the CPU (central control unit) of PC, storer, the memory storage such as hard disk in composition data storehouse, display image or text etc. and for input medias such as the display device, keyboard or the mouses that manage and with the explanation of other input medias of being associated of communicating etc. and form accompanying drawing and omitted.And, for each constituting portion using these to be played function by the execution of software program, omit detailed description.
Department of Communication Force 105 manages totally communicating, comprise the connection with the major transaction bank (not shown) of the netscape messaging server Netscape 25 of the end device 15 of credit card shop allied, credit card company, capital supply operator etc., the FTP process being representative with mail server business, comprises the dedicated line communication process of phone, FAX and LAN.
The sale database 118 every day that the actual achievement sale database 116 that database 110 has the credit card company's database 112 preserving credit card company information, the credit card shop allied database 114 preserving credit card affiliate store information, the actual achievement data of concluding the business to the credit card payment of each credit card shop allied are preserved, the sales data of concluding the business to the credit card payment of the every day of each credit card shop allied are preserved.
In the credit card company's database 112 preserving credit card company's information, data file is preserved by each credit card company, this data file comprises card company circulation code, credit card company's title, bank data is taken in the utilization such as Routing Number, the branch store of bank code, account project, account account that bank is taken in credit card company's fund application, and credit card company is stored in taking on the branch store of the bank code, account project, account account etc. of bank stored in taking on bank data.
In credit card company's database 112, also in store data file of acting on behalf company about credit card management company and credit card payment.
In the credit card shop allied database 114 preserving credit card affiliate store information, data file is preserved by each credit card shop allied, this data file comprises shop allied code, title, residence, telephone number, FAX number, undertaker's name, the data of the credit card shop allieds such as undertaker's addresses of items of mail and each shop allied stored in Routing Number, stored in bank's name, stored in the branch store of bank code, trade name is propped up stored in bank, stored in account project, stored in account account, stored in account name, the mode bond of credit credits in the future, contract day, credit credits buy in bond denomination in the future, the bond redemption of credit credits in the future starts day etc.
In the actual achievement sale database 116 that the actual achievement data of concluding the business to credit card payment are preserved, separate with credit card shop allied and independently save the data file of conclude the business about credit card payment in the past, this data file comprises card company circulation code, shop allied code, agency shop's code, sells date, transaction code, sale number of packages, sells total etc.
In the sales data of concluding the business to credit card payment is preserved every day sale database 118, by each credit card shop allied, credit card payment for every day is concluded the business and is preserved data file, and this data file comprises card company circulation code, shop allied code, agency shop's code, sells date, transaction code, sale number of packages, sells total etc.
Bond mode setting part 120 has: the receiving unit 122 receiving capital supply application information from the end device 15 of credit card shop allied; The nominal value of bond is bought in credit credits in future and repays the bond nominal value configuration part 124 starting to set day; To the bond buying price configuration part 126 that the bond buying price from credit card shop allied sets; To the bond pattern notification portion 128 of credit card shop allied notice bond pattern.
When receiving unit 122 receives new capital supply application from the end device 15 of credit card shop allied, obtain shop allied code, title, residence, telephone number, FAX number, undertaker's name, the data of the credit card shop allieds such as undertaker's addresses of items of mail and each shop allied stored in Routing Number, stored in bank's name, stored in the branch store of bank code, trade name is propped up stored in bank, stored in account project, stored in account account, stored in account name, during wishing bond object and wish the sales data of bond volume and the transaction of the credit card payment between 1 year in the past, be saved in database 110.
Obtaining of the sales data that credit card payment in receiving unit 122 is concluded the business, also can obtain from the company of acting on behalf of credit card management company or credit card payment receiving the instruction applying for shop allied.
During bond nominal value configuration part 124 is used in the hope bond object preserved in database 110 and the sales data of front annual credit card payment transaction, calculate with wish bond object during corresponding front annual actual achievement sales volume.
Then, bond nominal value configuration part 124 with wish bond object during corresponding before annual actual achievement sales volume except the hope bond volume of credit card shop allied, calculate and wish the ratio of bond volume relative to front annual actual achievement sales volume.
When calculated hope bond volume is greater than 1 relative to the ratio of front annual actual achievement sales volume, when namely wishing that bond volume exceedes the front annual actual achievement sales volume of wishing during bond object, extend during the object of calculating, carry out the calculating of corresponding front annual actual achievement sales volume and wish the calculating of bond volume relative to the ratio of front annual actual achievement sales volume, repeatedly carrying out this calculating until wish that bond volume becomes relative to the ratio of front annual actual achievement sales volume to be less than 1.
In above-mentioned calculating, the prolongation during the object preferably calculated is the prolongation in units of 1 month, during preferred bond object within 1 year.
During wishing that bond volume becomes relative to the ratio of front annual actual achievement sales volume the object being less than 1 if find, during then this period is set as bond object by bond nominal value configuration part 124, to wish that bond volume is set as that credit credits buy in bond denomination in the future, be set as bond ratio by buying in except credit credits in the future the value that bond denomination obtains by the actual achievement sales volume in year before corresponding with during bond object, and these are kept in database 110.
Start if repay the moon be the beginning moon during bond object later, be not particularly limited, but start next month of the moon during being preferably set to bond object accordingly with the payment mode of credit card company.
Be be not particularly limited during bond object, but be usually set as 1 year, also can for the purpose of the raising etc. of the at hand mobility fund corresponding with the busy period, period will to be set as 3 months, 6 months etc. during object.And, from bond, the easy degree preferably moon unit repaying management during bond object.
Bond ratio is not particularly limited, but be generally 10 ~ 30%, because bond ratio is also equivalent to the bond redemption ratio of the sales volume of the transaction with credit during bond object, so in order to prevent the deficiency of the circulating capital at hand because repaying the shop allied caused, preferably to bond ratio capping, as the upper limit of bond ratio be preferably set to correspond to bond object during before the 50% suitable value of actual achievement sales volume in year.
Nominal value deduction service charge, the interest of bond is bought in from credit credits in future in bond buying price configuration part 126, set the bond buying price from credit card shop allied, to the next month starting to start the moon during the moon is set as bond object be repaid, and be kept in database 110.
Set with bond nominal value configuration part 124, bond buying price configuration part 126 and be kept at the denomination of the bond in database 110, bond ratio and bond redemption ratio, repayment the beginning moon, buying price, sending from bond pattern notification portion 128 via the end device 15 of Department of Communication Force 105 to credit card shop allied.
Then, the function of the repayment management department 130 of the system centre server 100 of present embodiment, action are described.
Carry out the repayment management department 130 that in the future credit credits buy in the repayment management of bond to have: the repayment object sorting portion 132 of object transaction data is repaid in sorting; Calculate the refund configuration part 134 of the refund every certain period; Judge the repayment situation judging part 136 of the prolongation of end and the term of redemption repaid; Notice refund, the redemption notice portion 138 that repayment terminates and term of redemption extends.
Between credit card shop allied and capital supply operator, sign credits and buy in cost transfer contract, when this future, credit credits started during buying in the bond object of bond, from sales data every day of the credit card payment transaction after the end device 15 of credit card shop allied is to during system centre server 100 sends bond object.
System centre server 100 is in the repayment object sorting portion 132 repaying management department 130, sales data every day that the credit card payment received is concluded the business is divided elect as and repay object transaction data, the final transaction data of repayment object, the outer transaction data of repayment object, and these data are kept in database 110.
The sorting of repaying object transaction data is carried out as follows: start later sales data every day for during the bond object that the credit card payment of credit card shop allied is concluded the business, no matter credit agency's accumulation turnover all in chronological order, the amount of money obtained this accumulation is multiplied by bond redemption ratio becomes the transaction data in the moment of more than bond denomination as the final transaction data of repayment object, the amount of money obtained accumulation is multiplied by bond redemption ratio is less than the transaction data of bond denomination as repayment object transaction data, using transaction data later for final transaction data as the outer transaction data of repayment object.
Refund configuration part 134 is amounted to by each credit card company the repayment object transaction data sub-elected by repayment object sorting portion 132 and the final transaction data of repayment object, calculate the actual achievement clearing volume of the every month of each credit card company, this month actual achievement clearing volume is multiplied by the of that month refund that repayment ratio (ratio same with bond ratio) sets each credit card company, is kept in database 110.
For repayment object final transaction data, using with refund and bond denomination with the suitable turnover of the part of volume as repaying object turnover, make refund and bond denomination be same volume.
Be judged as repaying the repayment situation judging part 136 terminated, the final transaction data of object is repaid if comprise in the of that month refund of each credit card company set by refund configuration part 134, then terminate the repayment of bond, even if during exceeding bond object, repay the final transaction data of object if comprise in the of that month refund of each credit card company, then extend term of redemption.
Till the prolongation of term of redemption is continued until in the of that month refund of each credit card company and comprises the final transaction data of repayment object.
Redemption notice portion 138, by the current refund set by refund configuration part 134 and by repaying the repayment end of bond and the prolongation of term of redemption that situation judging part 136 judges, notifies as of that month refund to the netscape messaging server Netscape 25 of credit card company and the end device 15 of credit card shop allied via Department of Communication Force 105.
From redemption notice portion 138 via the of that month refund notice that Department of Communication Force 105 notifies to the netscape messaging server Netscape 25 of credit card company and the end device 15 of credit card shop allied, except comprising of that month refund, except the presence or absence of the prolongation of the repayment of bond terminates the term of redemption that has that it's too late, also comprise during credit credits buy in bond denomination, bond ratio, bond object in the future, repay and start the moon, the accumulation refund containing of that month refund, redemption balance.
Then, with reference to accompanying drawing to the 2nd embodiment of the present invention based on future credit credits buy in, be described for the unsecured capital supply system of credit card shop allied.
The system of the 2nd embodiment of the present invention is following system: the credit credits trust in future of the amount of money that the actual achievement of concluding the business according to the credit card payment of credit card shop allied sets by credit card shop allied is to trust company, credits reclaim company or operator, capital supply operator buys in the benefited power of credit credits in this in future, bought usufructuary capital supply operator by credit credits in this in future, from entrusted trust company, credits reclaim company or operator, for the sales volume based on credit card payment transaction of this credit card shop allied after the specified date, collect a certain proportion of amount of money of sales volume monthly until this amount of money reaches usufructuary bond denomination, interests are repaid as capital.
Fig. 3 be for illustration of the 2nd embodiment of the present invention based on undetermined future credit credits buy in, for the figure of the system (trust mode) of the unsecured capital supply system of credit card shop allied.
In body series, as on commission this in the future the trust company of credit credits, credits reclaim company or operator, have selected trust bank 50.Body series using as future credit credits the credit card shop allied 10 ' of the person of possessing and trust bank 50 between fiducia and benefited power transfer contract between credit card shop allied 10 ' and capital supply operator 40 ' signing premised on.
Credit card shop allied 10 ' by future credit credits benefited power be sold to capital supply operator 40 ' and guarantee mobility fund at hand.
When sell to capital supply operator 40 ' at credit card shop allied 10 ' future credit credits usufructuary object during, card member 20 ' credit card shop allied 10 ' carry out based on the commodity of credit card or service etc. buy and produce become object buy credits on dredit time, credit card company 30 ' from card member receive credit card transaction cost payment, by credit card trade payment to trust bank 50.
The certain proportion of paid credit card trade cost is paid capital supply operator 40 ' as capital redemption yield gold by trust bank 50, pays credit card shop allied 10 ' by the amount of money deducting service charge from left fund.
Capital supply operator 40 ', to repayment accumulation reaches the usufructuary bond denomination bought, collects the certain proportion of the payment paid to trust bank 50 by credit card company 30 ' as capital redemption yield gold from trust bank 50.Till the repayment of this bond lasts till that usufructuary bond denomination that capital supply operator 40 ' buys in is consistent with the repayment accumulation collected.
In body series, credit card shop allied 10 ' can be the shop can carrying out credit card payment, also can be the online shop of the online shopping carried out via the Internet.
In body series, between credit card shop allied 10 ' and credit card company 30 ', credit card management company or credit card payment charg`e d'affaires company can be comprised.
Fig. 4 be for the 2nd embodiment of the present invention based on undetermined future credit credits buy in, the block scheme that is described for the formation of the system centre server of the unsecured capital supply system of credit card shop allied.
The system centre server 200 of present embodiment is used as the server of capital supply operator, the end device 15 ' of credit card shop allied is connected via communication networks such as public line net dedicated lines with the netscape messaging server Netscape 55 of trust bank, has Department of Communication Force 205, database 210, bond mode setting part 220, repays management department 230.
The formations such as the PC (personal computer) that system centre server 200 can use market to sell, form the CPU (central control unit) of PC, storer, composition data storehouse the input medias such as memory storage, the display device showing image and text etc. as management, keyboard and mouse such as hard disk and with the explanation of other input medias of communication association etc. and form accompanying drawing and omitted.And, for each constituting portion using these to be played function by the execution of software program, omit detailed description.
Department of Communication Force 205 manages overall communication, comprise the connection with the major transaction bank (not shown) of the netscape messaging server Netscape 55 of the end device 15 ' of credit card shop allied, trust bank, capital supply operator etc., the FTP process being representative with mail server business, comprises the dedicated line communication process of phone, FAX and LAN.
Database 210 comprises the credit card company's database 212 preserving credit card company information, the credit card shop allied database 214 preserving credit card affiliate store information, preserves the actual achievement sale database 216 of the actual achievement data of the credit card payment transaction of each credit card shop allied, preserves the sale database 218 every day of the sales data of the credit card payment transaction of the every day of each credit card shop allied.
The structure of the database 210 of the system centre server 200 of present embodiment is identical with the database 110 of the system centre server 100 of the 1st embodiment, therefore detailed.
Bond mode setting part 220 has: the receiving unit 222 receiving capital supply application information from the end device 15 ' of credit card shop allied; To future credit credits usufructuary bond nominal value and repay the bond nominal value configuration part 224 that sets Start Date; To the bond buying price configuration part 226 that sets of the buying price of benefited power bond of credit credits in future; To the bond pattern notification portion 228 of credit card shop allied notice bond pattern.
The structure of bond mode setting part 220 and function identical with the bond mode setting part 120 of the system centre server 100 of the 1st embodiment, so omit detailed description.
Then, the function of the repayment management department 230 of the system centre server 200 of present embodiment, action are described.
Carry out the be benefited repayment management department 230 of repayment management of power bond of in the future credit credits to have: the repayment object sorting portion 232 of object transaction data is repaid in sorting; Calculate the refund configuration part 234 of the refund every certain period; Judge the repayment situation judging part 236 of the prolongation of end and the term of redemption repaid; Notice refund, the redemption notice portion 238 that repayment terminates and term of redemption extends.
Between credit card shop allied and capital supply operator, sign power transfer contract of being benefited, when future credit credits be benefited power bond bond object during start time, sales data every day that credit card payment after by during the end device 15 ' of credit card shop allied sends bond object to system centre server 200 s is concluded the business.
System centre server 200 is for sales data every day of the credit card payment transaction received, elect as in 232 points, the repayment object sorting portion repaying management department 230 and repay object transaction data, repay the final transaction data of object, repay the outer transaction data of object, and these data are kept in database 210.
The sorting of repaying object transaction data is carried out as follows: start later sales data every day for during the bond object that the credit card payment of credit card shop allied is concluded the business, no matter credit agency's accumulation turnover all in chronological order, the amount of money obtained this accumulation is multiplied by bond redemption ratio becomes the transaction data in the moment of more than bond denomination as the final transaction data of repayment object, the amount of money obtained accumulation is multiplied by bond redemption ratio is less than the transaction data of bond denomination as repayment object transaction data, using transaction data later for final transaction data as the outer transaction data of repayment object.
Refund configuration part 234 is amounted to by each credit card company the repayment object transaction data sub-elected by repayment object sorting portion 232 and the final transaction data of repayment object, calculate the clearing of the actual achievement monthly volume of each credit card company, this month actual achievement clearing volume is multiplied by repayment ratio (ratio same with bond ratio), set the of that month refund of each credit card company, and be kept in database 210.
For repayment object final transaction data, repaying object turnover by being set to the turnover that the part of volume is suitable with refund and bond denomination, making refund and bond denomination be same volume.
Judge to repay the repayment situation judging part 236 terminated, the final transaction data of object is repaid if comprise in the of that month refund of each credit card company set by refund configuration part 234, then the repayment of bond is set to end, even if during exceeding bond object, repay the final transaction data of object if comprise in the of that month refund of each credit card company, then extend term of redemption.
The prolongation of the term of redemption after terminating during bond object carries out when the of that month refund of each setting, repays the final transaction data of object until comprise in the of that month refund of each credit card company.
The current refund set by refund configuration part 234, the repayment end of bond undertaken by the situation of repayment judging part 236 and the prolongation of term of redemption notify by redemption notice portion 238, notify the netscape messaging server Netscape 55 of trust bank via Department of Communication Force 205.
In the notice of the of that month refund of netscape messaging server Netscape 55 notice from redemption notice portion 238 to trust bank, except comprising of that month refund, the prolongation of the repayment of bond terminates the term of redemption that has that it's too late with or without except, also comprise during credit credits buy in bond denomination, bond ratio, bond object in the future, repay and start the moon, the accumulation refund containing of that month refund, redemption balance.
Above, with reference to accompanying drawing, embodiments of the present invention are illustrated, but the invention is not restricted to above-mentioned embodiment, numerous variations can be implemented in the scope not exceeding technical scope of the present invention.
Description of reference numerals
10,10 ' credit card shop allied
15, the end device of 15 ' credit card shop allied
20,20 ' card member
30,30 ' credit card company
The netscape messaging server Netscape of 35 credit card companies
40,40 ' capital supply operator
50 trust banks
The netscape messaging server Netscape of 55 trust banks
100,200 system centre servers
110,210 databases
112,212 credit card company's databases
114,214 credit card shop allied databases
116,216 actual achievement sale databases
118,218 every day sale database
120,220 bond mode setting parts
122,222 receiving unit
124,224 bond nominal value configuration parts
126,226 bond buying price configuration parts
128,228 bond pattern notification portions
130,230 management department is repaid
132,232 object sorting portion is repaid
134,234 refund configuration parts
136,236 situation judging part is repaid
138,238 redemption notice portions
Claims (3)
1. one kind based on undetermined future credit credits buy in, for the unsecured capital supply system of credit card shop allied, make use of buying in based on system centre, undetermined credit credits in future, this system centre possesses the server that capital supply operator uses, the netscape messaging server Netscape of the credit card company that the server that this capital supply operator uses is joined with end device and the described credit card shop allied of credit card shop allied by communication network is connected, it is characterized in that
Described system centre server has:
Credits mode setting part, use the sales data based on credit card payment transaction of described credit card shop allied, calculate the actual achievement credit card payment transaction sales volume of the certain period based on credit card payment transaction of described credit card shop allied, set and will be predicted to be during the credit credits of described credit card shop allied generation in the future carry out the object of bond, actual achievement credit card payment transaction sales volume during year before corresponding with during this bond object is multiplied by bond ratio to set the nominal value buying in bond of credit credits in the future, and these are preserved in a database, and
Repay management department, the sales data based on credit card payment transaction of the described credit card shop allied later the beginning moon during described bond object is carried out amounting to the moon actual achievement clearing volume calculating each credit card company according to each credit card company, this month actual achievement clearing volume is multiplied by described bond ratio buys in bond of that month refund to the described credits setting each credit card company, and these are preserved in a database, and
Judge that whether the refund accumulation of the accumulation of described refund being tried to achieve buys in the denomination of bond with described credits consistent, and
When be judged as described refund accumulation and described credits buy in the denomination of bond consistent, described credits are bought in the netscape messaging server Netscape of end notification to credit card company of the repayment of bond, and
When being judged as during denomination that described refund accumulation and described future, credit credits bought in bond have passed through described object bond also inconsistent, prolongation credit credits in described future being bought in the term of redemption of bond informs to the netscape messaging server Netscape of credit card company.
2. one kind based on undetermined future credit credits buy in, for the unsecured capital supply system of credit card shop allied, make use of buying in based on system centre, undetermined credit credits in future, this system centre possesses the server that capital supply operator uses, the server that this capital supply operator uses is connected by the netscape messaging server Netscape that the trust company of the contract that point account pays signed by the end device of communication network and credit card shop allied and described credit card shop allied, credits reclaim company or operator, it is characterized in that
Described system centre server has:
Credits mode setting part, use the sales data based on credit card payment transaction of described credit card shop allied, calculate the actual achievement credit card payment transaction sales volume of the certain period based on credit card payment transaction of described credit card shop allied, set during the benefited power being predicted to be the credit credits occurred in the future at described credit card shop allied is carried out the object of bond, actual achievement credit card payment transaction sales volume during year before corresponding with during this bond object is multiplied by bond ratio to set the nominal value of the benefited power bond of credit credits in the future, and these are preserved in a database, and
Repay management department, the sales data based on credit card payment transaction of the described credit card shop allied later the beginning moon during described bond object is amounted to and calculates a moon actual achievement clearing volume, this month actual achievement clearing volume is multiplied by described bond ratio to set the of that month refund of described benefited power bond, and these are preserved in a database, and
Judge refund accumulation that the accumulation of described refund is tried to achieve whether with described future credit credits the denomination of benefited power bond consistent, and
When being judged as that described refund accumulation is consistent with the denomination of described benefited power bond, the end notification of the repayment of described benefited power bond is given described trust company, netscape messaging server Netscape that credits reclaim company or operator, and
When being judged as during the denomination of described refund accumulation and described benefited power bond have passed through object bond also inconsistent, the prolongation of the term of redemption of described benefited power bond is informed to described trust company, netscape messaging server Netscape that credits reclaim company or operator.
3. as claim 1 or 2 record based on undetermined future credit credits buy in, for the unsecured capital supply system of credit card shop allied, it is characterized in that,
Described credit card shop allied is online shop.
Applications Claiming Priority (3)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| JP2012-178072 | 2012-08-10 | ||
| JP2012178072 | 2012-08-10 | ||
| PCT/JP2013/060875 WO2014024520A1 (en) | 2012-08-10 | 2013-04-10 | System for unsecured funding to credit card member store via purchase of undetermined future credit obligation |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN104718554A true CN104718554A (en) | 2015-06-17 |
Family
ID=50067767
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201380051444.1A Pending CN104718554A (en) | 2012-08-10 | 2013-04-10 | System for unsecured funding to credit card member store via purchase of undetermined future credit obligation |
Country Status (5)
| Country | Link |
|---|---|
| JP (1) | JP5785272B2 (en) |
| KR (1) | KR102129495B1 (en) |
| CN (1) | CN104718554A (en) |
| PH (1) | PH12015500498B1 (en) |
| WO (1) | WO2014024520A1 (en) |
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| CN110998625A (en) * | 2017-07-12 | 2020-04-10 | 株式会社华伦迪 | Settlement management server, program, and settlement method |
| CN113139864A (en) * | 2020-01-17 | 2021-07-20 | 株式会社美凯利 | Information processing method, information processing device, program, and information processing terminal |
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| JP6413110B1 (en) * | 2018-02-08 | 2018-10-31 | ガブリエル サイオンＧａｂｒｉｅｌ Ｓｃｉｏｎ | Unsecured funding system |
| JP6650990B1 (en) * | 2018-11-29 | 2020-02-19 | Ｂａｓｅ株式会社 | Computer system, method, and program for funding a store in e-commerce |
| JP7349703B2 (en) * | 2019-06-18 | 2023-09-25 | ガブリエル サイオン | Unsecured funding system |
| JP6836255B2 (en) * | 2019-10-24 | 2021-02-24 | Ｂａｓｅ株式会社 | Computer systems, methods, and programs for funding retailers in e-commerce |
| JP7133698B1 (en) | 2021-11-19 | 2022-09-08 | ヤフー株式会社 | Information processing device, information processing method, and information processing program |
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Also Published As
| Publication number | Publication date |
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| KR102129495B1 (en) | 2020-07-03 |
| PH12015500498A1 (en) | 2015-04-27 |
| WO2014024520A1 (en) | 2014-02-13 |
| JP5785272B2 (en) | 2015-09-24 |
| JPWO2014024520A1 (en) | 2016-07-25 |
| PH12015500498B1 (en) | 2015-04-27 |
| KR20150062161A (en) | 2015-06-05 |
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