JP2002083235A - Settlement device and settlement method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To dispense with high payment fee and conduct settlement of credit sales and credit purchases, while obtaining operational profit from accounts. SOLUTION: The terminals of intra-office accounting systems provided in companies A and B 11 and 12, having a transaction relation are constituted so as to be connectable to a securities business processing server 15 provided within a securities firm 14 via a network 13. The company to perform a settlement preliminarily purchases an investment trust or the like and opens a securities deposit account in the same securities firms 14. The company B 12 or the company A, incurring a debt or credit connects the terminal of the intra- office accounting system to the securities business processing server 15 of the securities firms 14 to request the processing of the settlement, using the securities deposit account. The securities business processing server 15, receiving the request processes the transfer of funds, accompanied by clearing of the credit as the trade of securities, such as investment trust or the like possessed by each company, to adjust it by increasing and decreasing the balances of the securities of the securities deposit accounts 16 and 17.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a settlement apparatus and a settlement method, and more particularly to a settlement apparatus and a settlement method capable of performing settlement between accounts receivable and accounts payable with a fee lower than a bank transfer fee.

[0002]

2. Description of the Related Art Generally, when transactions such as buying and selling are performed,
In particular, in business-to-business transactions, the payment of consideration by the seller may be postponed. At this time, the seller acquires the accounts receivable and the buyer bears the accounts payable. Buyers generally pay for the money by transferring it to a bank account held by the seller.

[0005] FIG. 5 is a diagram for explaining a conventional settlement method using an account transfer. Hereinafter, the related art will be described with reference to FIG. In FIG. 5, reference numeral 11 denotes a seller terminal which is a terminal owned by the seller A, 12 denotes a buyer terminal which is a terminal held by the buyer B, 13 denotes a network, 21 denotes a bank, 22 denotes a banking processing device, and 23 denotes a seller. A is a deposit account of A, and 24 is a deposit account of buyer B.

In the system shown in FIG. 5, a seller terminal 11, a buyer terminal 12, and a bank service processing device 22 provided in a bank 21 are connected via a network 13 such as a public line. Seller A sells the goods to Buyer B, Seller A obtains an accounts receivable, and Buyer B bears the accounts payable.

[0005] At this time, the buyer B, who bears the accounts payable,
Bank 21 from buyer terminal 12 via network 13
, And requests a transfer of the equivalent of the accounts payable from the deposit account 24 of the buyer B to the deposit account 23 of the seller A.

[0006] The banking operation processing device 22 receiving the transfer request
Subtracts the transfer equivalent from the account balance of the deposit account 24 of the buyer B. At this time, the fees received by the bank 21 are both reduced from the deposit account 24 of the buyer B. The transfer fee is recorded as the income of the bank 21. Next, the banking operation processing device 22 transfers the amount corresponding to the deposit to the deposit account 2 of the seller A.
In addition, the banking processor 22 notifies the seller A that the deposit has been made to the deposit account 23 of the seller A.

[0007] The method of settlement by transfer involves payment from the buyer to the seller by increasing or decreasing the balance of the deposit, and is performed at the request of the buyer.

[0008]

[0005] In the case of settlement by account transfer, the parties must have opened a deposit account for demand deposits. However, for example, interest rates are not applied to current accounts, so it is not possible to obtain investment income from settlement funds. In addition, there is also a problem that a commission is generated each time the settlement is made by account transfer.

[0009] It is an object of the present invention to provide a settlement apparatus and a settlement method in which a securities account capable of reducing commissions and obtaining an investment profit is used as a settlement account.

[0010]

SUMMARY OF THE INVENTION According to the present invention, an object of the present invention is to settle accounts receivable and payable using securities that require a lower commission than bank transfers and can provide a large investment profit. This is achieved by:

[0011] That is, the object is to provide a settlement apparatus connected to a user terminal owned by a user for performing settlement of a transaction made between the users, the user identification information for identifying the user and the user identification information. Means for storing data representing securities held by each party and coefficients for quantifying the value of each security in association with each other, and user identification information of the debtor from a user terminal of the debtor in the transaction. Receiving means for receiving payment request information including user identification information of a creditor in the transaction and payment amount information indicating a payment amount from the debtor to the creditor; and the debt included in the payment request information. Security data corresponding to the debtor is extracted from the storage device from the stored security data based on the user identification information of the user, and the extracted security data and the extracted security data are extracted. Settlement means for selecting securities data based on the coefficient corresponding to the securities data and the payment amount, and storing the selected securities data in association with the creditor's user identification information; Is achieved by

[0012]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, an embodiment of the settlement system according to the present invention will be described in detail with reference to the drawings.

FIG. 1 is a diagram showing a configuration of a settlement system according to an embodiment of the present invention, FIG. 2 is a flowchart for explaining a processing operation of a seller terminal 11 which is an accounting processing terminal of a seller A, and FIG. Buyer terminal 1 which is a processing terminal
FIG. 4 is a flowchart for explaining the processing operation of the securities business processing apparatus installed in the securities company. In FIG. 1, 14 is a securities company, 15 is a securities business processing device, 16 is a securities deposit account opened by the seller A at the securities company 14, 17 is a securities deposit account opened by the buyer B at the securities company 14, and 11 is a securities deposit account. A seller terminal 12 is a buyer terminal.

In this specification, the terminal owned by the party who has acquired the receivables through the transaction is the seller terminal 11, and the terminal of the party who has the accounts payable is the buyer terminal 12. No need.

As shown in FIG. 1, the settlement system according to the present embodiment includes a seller terminal 11 of a seller A, a buyer terminal 12 of a buyer B, and a securities business processing device 15 provided in a securities company 14 such as a public communication line. It is connected via a network 13. The seller A and the buyer B have opened securities deposit accounts in the securities company 14 in advance.

The seller terminal 11 includes an input unit (not shown) for inputting billing data, an output unit for outputting settlement details, and a transmitting / receiving unit for transmitting / receiving information via the securities business processing unit 15 and the network 13.

The buyer terminal 12, an input unit (not shown) for inputting settlement request data and an output unit for outputting settlement details,
It includes a transmission / reception unit for transmitting and receiving information by meeting the securities business processing device 15 and the network 13. Note that the seller terminal 11 and the buyer terminal 12 described here may be the same device.

The billing data is data transmitted by the seller A to the securities processing apparatus 15 via the seller terminal 11 and identifies seller identification information for identifying the seller A, and the transaction performed by the seller A with the buyer B. The transaction identification information, the buyer identification information for identifying the buyer B, the amount information charged by the seller A to the buyer B in the transaction identified by the transaction identification information, and the expiration date information indicating the due date from the buyer B to the seller A. Etc. are included.

The settlement request data is transmitted from the buyer B to the buyer terminal 1
2 which is data to be transmitted to the securities business processing apparatus 15 through the seller 2, the seller identification information identifying the seller A, and the seller A
Transaction identification information for identifying a transaction made with buyer B, buyer identification information for identifying buyer B, settlement amount information that is a payment amount from buyer B to seller A in the transaction identified by the transaction identification information, Expiration date information indicating the expiration date from buyer B to seller A is included.

FIG. 6 is a diagram showing the configuration of the securities business processing device 15 provided in the securities company 14. The securities business processing device 15 includes a transmission / reception unit 151, a determination unit 152, a settlement unit 153, and a statement generation unit 154, and is connected to the storage device 155. The determination unit 152 determines whether to execute the payment based on the payment request data transmitted from the buyer terminal 12 and the billing data transmitted from the seller terminal 11. Transceiver 1
53 transmits and receives information between the seller terminal 11 and the buyer terminal 12. When the determination by the determination unit is possible, the settlement unit 153 setstle the settlement request data received from the buyer terminal 12, the account balance information indicating the balance of the securities depositing account of the buyer B stored in the storage unit 155, and the securities company 14 Calculates the types and amounts of securities to be reduced (increased to securities account 23 of seller A) from securities account 24 of buyer B based on securities information indicating the value of each securities handled by the company. Based on the calculation result, a predetermined type and a predetermined amount of securities are transferred to the securities depository account 24 of the buyer B and sold to the seller A.
Is transferred to the securities deposit account 23. Statement generation unit 15
4 generates payment statement data for each seller terminal 11 and each buyer terminal 12.

FIG. 7 is a diagram showing the data structure of the storage device 155 connected to the securities business processing device 15.

The storage device 155 stores a member table (200 ... 20).
1), billing data table (300 ... 301), history data table (400 ... 401), and securities account data table (500 ... 5)
01) and the securities data table (600... 601) are stored in association with each other. The member table stores information (member identification information, name, address, contact information, securities account number) on members who are sellers or buyers in the settlement system of the present embodiment. In the billing data table, billing data (seller A's member identification information, buyer B's member identification information, transaction identification information, billing amount information, expiration date information, billing data, etc.) And the like, which identifies the request. The history table contains information on the status of each billing data stored in the billing data table (billing identification information, status information which is a flag indicating whether or not payment has been made, and information indicating the date of payment when payment has been made). The securities account data table contains information on the securities deposit account held by the member (account identification information for identifying the account, member identification information as the holder of the securities account, securities held in the account, The securities data table stores, for each security, the type of securities handled by the securities company 14 and the discount rate when discounting the securities to the present value.

When a transaction is made between the seller A and the buyer B, the seller A obtains an accounts receivable and the buyer B bears the accounts receivable.

The business flow in the embodiment of FIG. 1 will be described with reference to FIGS. 2 to 4 show the processing operations of the seller terminal 11, the buyer terminal 12, and the securities business processing device 15, respectively. Hereinafter, the processing operation in the settlement system of FIG. 1 will be described with reference to these flowcharts. Since the processing operations of the components shown in FIGS. 2 to 4 are performed in cooperation with each other, the description will be made with reference to these drawings.

(1) The buyer B who has the accounts payable or the seller A who has the accounts receivable,
2 or the seller terminal 11 is connected to the securities business processing device 15 of the securities company 14 via the network 13 to transmit a settlement request using the securities deposit account (steps 31 and 34).

(2) Securities business processing device 1 of securities company 14
5 receives the settlement request and, if the request is accepted (step 37), the seller A and the buyer B will buy and sell securities for settlement, so that the transaction is established. Need to confirm. This confirmation, for example,
The seller A may send the settlement request together with the receivable data to the securities business processing apparatus 15 with the proof of the buyer B's accounts payable, or the seller A and the buyer B may settle the mutual proof with mutual proof. The request may be transmitted to the securities business processing device 15, and the securities business processing device 15 may collate the settlement requests received from the seller terminal 11 and the buyer terminal 12 (steps 38 and 40).

(3) The securities business processing device 15 that has received the settlement request increases or decreases the balance of the securities deposit account held by the seller A and the buyer B, and processes settlement of the seller A and the buyer B ( Step 39).

(4) The securities business processing device 15 notifies the seller A and the buyer B that the settlement processing has been completed, and the seller A and the buyer B receive the deposit processing data and the payment processing data (step). 41, 33, 36).

Each process in the embodiment of FIG. 1 will be described in detail with reference to FIG. FIG. 8 is a flowchart for explaining a processing operation in the case where the securities business processing device 15 checks the settlement request received from the seller terminal 11 and the buyer terminal 12.

(1) The seller A who has acquired the receivables receivable through the transaction inputs billing data from the seller terminal 11 (step 8011). The transmission / reception unit of the seller terminal 11 transmits the input billing data to the securities business processing device 15 (step 8012).

(2) Transmission / reception unit 1 of securities business processing device 15
51 receives the billing data from the seller terminal 11, adds the billing identification information for identifying the billing data, and stores it in the storage device 155 connected to its own device (step 8021).

(3) On the other hand, buyer B having accounts payable debt
Inputs settlement request data from the buyer terminal 12. The settlement request data includes the member identification information of buyer B (buyer identification information), the member identification information of seller A that is the recipient (seller identification information), and the transaction identification that identifies the transaction performed between buyer B and seller A. Information and information indicating the payment amount are included (step 8031).

(4) Transmission / reception section 1 of securities business processing device 15
51 receives the settlement request data from the buyer terminal 12 (step 8022), and the determination unit 152 searches the billing data stored in the storage device 155 using the seller identification information and the transaction identification information included in the settlement request data as keys. (Step 8023). The determination unit 152 compares the searched billing data with the settlement request data (step 8024), and ends the processing as an error if they do not match (step 80).
25).

(5) If the collation results in step 8024 match, the settlement unit 153 of the securities business processing device 15 uses the buyer identification information included in the settlement request data as a key to store the securities held by the buyer B from the storage device 155. Account data is searched (step 8026), and based on one or more securities data included in the searched securities account data, the discount rate data corresponding to each securities data, and the payment amount specified in the settlement request data. Then, a portfolio composed of securities held in the securities account and having a present value equal to the payment amount is formed (step 8027). Settlement unit 1
53 reduces the composition portfolio from the securities account of the buyer B, increases the securities account of the seller A (corresponding to the seller identification information) (step 8028), and (6) generates a statement of the securities business processing device 15. The unit 154 generates a payment statement, transmits it to the seller terminal 11 and the buyer terminal 12 (step 8029), and registers the settled billing data in the history data table (step 8029a).

The processing program for the processing performed by the securities business server 15 can be provided by being stored in a portable recording medium such as a magnetic disk or an optical disk.

According to the settlement method according to the above-described embodiment of the present invention, the securities company performing the settlement does not change the balance of the securities account managed in the company. Operational profit can be obtained. Even in the case of collecting a processing cost associated with an increase or decrease in the balance of a securities deposit account as a fee, the cost can be set much lower than a bank transfer fee. As a result, a securities company providing the settlement method according to the embodiment of the present invention can maintain and expand trust (securities) assets, and can expect an increase in profits.

Further, a company or the like requesting settlement can settle accounts receivable and accounts payable without a fee or with a small fee, and unless the balance of the securities deposit account becomes zero, the investment trust And so on.

[0038]

As described above, according to the present invention, it is possible to settle accounts receivable and payable while eliminating the need for a large transfer fee or using a small fee and obtaining an operating profit from an account. .

[Brief description of the drawings]

FIG. 1 is a block diagram illustrating a configuration of a payment system according to an embodiment of the present invention.

FIG. 2 is a flowchart illustrating a processing operation at a seller A in which a receivable has occurred;

FIG. 3 is a flowchart illustrating a processing operation of a buyer B in which accounts payable has occurred;

FIG. 4 is a flowchart illustrating a processing operation in a securities company.

FIG. 5 is a system configuration diagram for explaining a conventional settlement method using a bank transfer process.

FIG. 6 is a diagram showing a configuration of a securities business processing device provided in a securities company.

FIG. 7 is a diagram showing a data structure of a storage device connected to the securities business processing device.

FIG. 8 is a flowchart illustrating a processing operation when the securities business processing apparatus checks a settlement request received from a seller terminal and a buyer terminal.

[Explanation of symbols]

 11, 12 Terminals of companies A and B that have business relationships 13 Network 14 Securities company 15 Securities business processing device 16, 17 Company A and company B securities deposit account 21 Bank 22 Banking business processing device 23, 24 A company , Company B's checking account

 ──────────────────────────────────────────────────続 き Continuing from the front page (72) Inventor Masahiro Sakashita 890 Kashimada, Saiwai-ku, Kawasaki-shi, Kanagawa Japan, Ltd.Business Solution Development Headquarters, Hitachi, Ltd. (72) Inventor Shinya Hirata 2--15-12 Nishi-Shimbashi, Minato-ku, Tokyo Inside Hitachi Capital Co., Ltd. (72) Inventor Masashi Takeda 2--15, Nishi-Shimbashi, Minato-ku, Tokyo No. 12 Inside Hitachi Capital Corporation

Claims (11)

[Claims] 1. A settlement apparatus connected to a user terminal owned by a user for performing settlement of a transaction made between the users, comprising: user identification information for identifying the user; Storage means for storing data representing securities to be executed and coefficients for quantifying the value of each of the securities in association with each other; user identification information of the obligor in the transaction from the user terminal of the obligor in the transaction; Receiving means for receiving settlement request information including user identification information of a creditor and payment amount information indicating a payment amount from the debtor to the creditor; a user of the debtor included in the settlement request information Based on the identification information, the security data corresponding to the debtor is extracted from the storage device from the stored security data, and the extracted security data and the extracted security data are extracted from the storage device. Settlement means for selecting securities data based on the corresponding coefficient and the payment amount, and storing the selected securities data in association with the creditor's user identification information. Payment device. 2. The settlement apparatus according to claim 1, wherein the billing data received from the user terminal held by the creditor is collated with the settlement request data, and when the result of the collation is identical. A settlement apparatus comprising: a determination unit that extracts securities data corresponding to the debtor from the storage device. 3. The settlement apparatus according to claim 2, further comprising a statement generation unit that generates settlement statement data in accordance with a result of the settlement by the settlement unit. 4. The settlement apparatus according to claim 3, wherein the coefficient to be quantified is a discount rate for calculating a present value of a par value of the securities. 5. The settlement apparatus according to claim 4, wherein the present value of the total face value of the securities data selected by the settlement apparatus is equal to the payment amount. 6. A settlement apparatus connected to a buyer terminal held by a buyer and a seller terminal held by a seller to settle a transaction between the buyer and the seller, wherein buyer identification information for identifying the buyer is provided. And storage means for storing data representing securities held by the buyer and coefficients for quantifying the value of each of the securities in association with each other; from the buyer terminal, the buyer identification information, the seller identification information, and the buyer Transmitting / receiving means for receiving payment request information including payment amount information indicating the payment amount to the seller; and securities data stored in association with the buyer identification information and securities data stored in association with the buyer identification information. Selecting securities data based on the corresponding coefficient and the payment amount, and associating the selected securities data with the seller identification information. A settlement apparatus, comprising: settlement means for storing. 7. A settlement method for a transaction between users in a settlement device connected to a plurality of user terminals owned by a user, wherein the settlement device includes: user identification information for identifying the user; Data representing securities held by each user and coefficients for quantifying the value of each security are stored in association with each other, and user identification information of the debtor and the user identification information of the debtor from the user terminal of the debtor of the transaction. Receiving settlement request information including the user identification information of the creditor of the transaction and the payment amount information indicating the payment amount from the debtor to the creditor, and identifying the user of the debtor included in the payment request information Extracting security data corresponding to the debtor from the stored securities data from the storage device based on the information, and extracting the extracted securities data and the coefficient corresponding to the extracted securities data; Selects the securities data based on the serial payment, settlement method characterized by storing the selected document of value data in association with the user identification information of the creditor. 8. The settlement method according to claim 7, further comprising: receiving, from a user terminal held by the creditor, billing data indicating the content of a payment request to the debtor by the creditor, A settlement method for collating the settlement request data with each other, and extracting security data corresponding to the debtor from the storage device when the result of the collation is a match. 9. The settlement method according to claim 8, wherein the correspondence between the selected securities data and the user identification information of the creditor is respectively performed by the creditor and the user terminal of the debtor. A settlement method characterized by being notified. 10. The settlement method according to claim 9, wherein the coefficient to be quantified is a discount rate for calculating a present value of a par value of the securities. 11. The settlement method according to claim 10, wherein the present value of the total face value of the selected securities data is the same as the payment amount.