JP2002342689A - Account transfer agency system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an account transfer agency system by which account transfer between many suppliers is processed in a batch and one-sided withdrawal by a supplier is prevented. SOLUTION: This account transfer agency system 1 includes an account transfer application receiving means 51 for receiving an account transfer application from a buyer and sending it to a finance company 8, an account information transmission means 52 for receiving the account information of the supplier and transmitting this account information to the company 8 in a batch, an agreement receiving means 53 for receiving input on whether to agree to pay a price from the buyer, a price recovery instruction means 54 for instructing the company 8 to recover the price for charging data based on the account transfer application when the buyer agrees to pay it, and a charging data totaling means 55 for totaling and providing the charging data by each buyer and supplier.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an account transfer agent system in which goods are traded between a supplier and a buyer and the transfer of money generated by the transaction is performed by a computer system. The present invention relates to an account transfer agency system that can collectively process account transfers from buyers to many suppliers.

[0002]

2. Description of the Related Art Conventionally, there has been a transaction for purchasing goods between a supplier and a buyer, and when a payment is made by the transaction, the buyer generally pays the supplier for the payment by account transfer. there were.

[0003] Further, when a supplier has many dealers, a dealer settlement method in which the supplier collects money from buyers in a lump and distributes the collected money to each dealer has been performed. .

[0004]

However, in a general account transfer, in order for a buyer to make a bank transfer with many suppliers, it is necessary to make a bank account transfer request by the number of suppliers. However, there was a problem that the procedure became complicated.

[0005] Further, there is another problem that the buyer has to confirm bills corresponding to the number of suppliers in order to confirm payment to each supplier, which is troublesome.

[0006] Further, in the shop settlement method, if a buyer contracts with a supplier, it is not necessary to make a contract with each dealer, so that the procedure is simplified, but this shop settlement method is used with a supplier having no relation to each other. If there is a risk that a one-time withdrawal from an unknown supplier will occur if the application is extended to transactions between, the dealer settlement method is when the collection destination such as the supplier and its affiliated store is clear It had to be limited to the application.

[0007] Further, in the conventional account transfer, the price is unilaterally debited from the account irrespective of the agreement with the buyer, so that even if the buyer does not agree with the debit, the debit cannot be stopped. there were.

[0008] It is convenient for a supplier to collect money from many buyers by account transfer, but in the conventional account transfer method, a charge is unilaterally withdrawn from a buyer's account by an instruction from a supplier to a finance company. Therefore, buyers often hesitate to conclude a fund transfer contract with the supplier in advance.

The present invention has been made in view of the above circumstances, and an object of the present invention is to provide an account which can collectively process account transfers with many suppliers and can prevent unilateral withdrawal. To provide a transfer agency system.

[0010]

In order to achieve the above object, an account transfer agent method according to the first aspect of the present invention comprises:
An account transfer agent method in which a supplier that provides goods and a buyer who purchases goods conduct a transaction, and the server transfers the account transfer of the price generated by the transaction. The server receives the data and receives an input as to whether or not a buyer who pays for the billing data agrees with the payment.If the buyer agrees with the payment, when the buyer agrees with the payment, a financing company that performs a collection operation is provided to the server. The server instructs to collect the billing data.

According to the first aspect of the present invention, since the server accepts the input of the agreement and disagreement for each bill by the buyer, it is possible to prevent a one-time withdrawal by an unknown supplier.

According to a second aspect of the present invention, there is provided an account transfer agency site in which a supplier who provides goods and a buyer who purchases goods make a transaction, and conducts an account transfer of a price generated by the transaction. A transfer agency site, which receives a fund transfer request form for requesting a fund transfer from the buyer, and sends the fund transfer request form to a financing company which performs a collection service; Agreement receiving means for receiving billing data necessary for billing and receiving an input as to whether or not to agree on payment from a buyer who pays for the billing data; and When the agreement is reached, a charge for instructing the financing company to collect the billing data based on the fund transfer request form is issued. Characterized in that it comprises a recovery instruction unit.

According to the second aspect of the present invention, since agreement and disagreement inputs to each bill are received from the buyer, it is possible to prevent a unilateral withdrawal by an unknown supplier.

According to a third aspect of the present invention, the account transfer agency site receives account information on the account of the supplier from which the money is to be transferred from the supplier, and transmits the received account information to the financing company. It is characterized by further including an account information transmitting means.

According to the third aspect of the present invention, even if the buyer does not make an account transfer contract with each supplier,
Once you submit a fund transfer request form, you can pay the price to many suppliers using fund transfer.

According to a fourth aspect of the present invention, the account transfer agency site further includes a billing data totalizing means for totalizing and providing the billing data received by the agreement accepting means for each of the buyer and the supplier. It is characterized by.

According to the fourth aspect of the present invention, the buyer can check the billing content at a time by accessing the account transfer agency site, and has to check the billing content for each supplier. Can be omitted.

[0018]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS One embodiment of a fund transfer agency system according to the present invention will be described below with reference to the drawings.

1. System Configuration As shown in FIG. 1, a fund transfer agent system 1 of the present embodiment includes a buyer terminal 3A of a buyer company that accesses a portal site 2A,.
・ 3N and the supplier terminal 4A of the supplier company that provides the product information to the portal site 2A,.
... 4N, a fund transfer agency site 5 for transferring funds transferred by a transaction between a supplier and a buyer, and a supplier designated finance by collecting money from a buyer designated financial institution 6 And a financing company 8 for remittance to the institution 7.

Here, the buyer terminals 3A,..., 3N and the supplier terminals 4A,..., 4N are connected to the portal sites 2A,. ... 2N and the account transfer agency site 5 are connected by a communication network 10.
Each of these communication networks 9 and 10 is constituted by communication lines such as the Internet, dial-up, dedicated lines, VPN, and wireless connection.

The financing company 8 is a representative of a company that collects money, and relates to all the companies that perform money collecting.

Further, the fund transfer agency site 5 receives a fund transfer request form for requesting a fund transfer from the buyer, and sends the fund transfer request form to the finance company 8; Account information relating to the transfer account of the supplier is received and registered from the supplier, and account information transmitting means 52 for collectively transmitting the registered account information to the financing company 8 and receiving input as to whether or not to agree with the payment by the buyer. The agreement receiving means 53, the payment collection instruction means 54 for instructing the financing company 8 to collect the payment when the buyer agrees with the payment, and the billing data are provided for each buyer and supplier. And billing data totaling means 55.

The account transfer agency site 5 is a computer environment in which a server constituted by a normal computer system is installed, and the installed server is managed by a so-called Internet provider and is illustrated via the Internet. Not connected to the host computer. When there is access from the buyer terminal 3 or the supplier terminal 4 via the communication network 9, 10, the account transfer agency site 5 provides home pages for buyers and suppliers. Information such as aggregation of monthly payments and confirmation of payments is displayed.

The account transfer agency site 5 includes a member information database 56 for storing company information and account information of buyers and suppliers who use the account transfer agency system 1,
And a billing information database 57 for storing billing data relating to bills generated by sales transactions.

Then, in the member information database 56,
Member information of each buyer and supplier includes company name, business signature, department in charge, postal code, address, person in charge, telephone number, fax number, designated financial institution name, industry, portal I
Information such as D, portal member ID, contract ID, and user ID is stored for each buyer and supplier.

The billing information database 57 includes, as billing data, a control ID, a billing number, a buyer name, a buyer contract ID and a user ID, a supplier name, a supplier contract ID and a user ID, an article name, and a product number. , Quantity, unit price, financial institution name, payment deadline, etc. are stored for each invoice.

2. Next, each process performed by the fund transfer agency system 1 according to the present embodiment will be described with reference to the drawings.

2-1. Fund transfer contract processing First, the fund transfer contract processing by the fund transfer agency system 1 according to the present embodiment will be described based on the flowchart of FIG.

The buyer who intends to use the transfer of the account transfer by the account transfer system 1 of the present embodiment sends an account transfer request form as shown in FIG. 3 to the account transfer agency site 5 (S201).

As shown in FIG. 3, in the fund transfer request form, a name of a finance company which performs collection, a buyer-specified financial institution from which the price paid by the buyer is deducted, and the like are described.

Then, the fund transfer agency site 5, which has received the fund transfer request, registers the account information described in the member information database 56 (S202) and sends the fund transfer request to the finance company 8 (S203). ).

Further, the financing company 8 sends an account transfer request to the buyer-specified financial institution 6 designated by the buyer (S204).

As a result, the account transfer is performed from the buyer account of the buyer-specified financial institution 6.

On the other hand, the supplier who intends to use the fund transfer agency by the account transfer agency system 1 transmits the account information of the transfer account to which the price of the sold product is transferred to the account transfer agency site 5 (S205). The fund transfer agency site 5 that has received the account information stores the account information in the member information database 56 (S206).

Then, based on the account information, the account transfer agency site 5 creates a supplier registration handling application form as shown in FIG. 4 and sends it to the finance company 8 (S20).
7) The fund transfer contract processing by the fund transfer agency system 1 of the present embodiment ends.

As described above, by creating a supplier registration application and providing it to the finance company 8, the finance company 8 can distribute the price collected from the buyer to each supplier based on the supplier registration application. it can.

[0037] Accordingly, even if the buyer does not make a contract for fund transfer with each supplier, once the bank transfer request is submitted, the buyer can pay the price to many suppliers by using the bank transfer. Can be.

Although the case of creating a supplier registration handling application has been described here, an account transfer request form may be submitted for each supplier as in a normal account transfer contract.

2-2. Fund Transfer Agency Processing Next, the fund transfer agency processing by the fund transfer agency site 5 according to the present embodiment will be described based on the flowchart of FIG.

First, the account transfer agency site 5 is connected to each buyer,
The billing data transmitted from the supplier and the portal site is received (S501).

The billing data includes information necessary for processing a bill such as a buyer name, a supplier name, a quantity, a unit price, and a billing amount.

Then, the account transfer agency site 5 totalizes the received billing data (S502) and posts it on the homepage (S503).

Here, the supplier enters the user ID and password from the log-in screen as shown in FIG. 6 to access the account transfer agency site 5, and selects the account transfer agency from the billing data posted on the homepage. Is selected, and a method of transferring the payment to the supplier is selected from the transfer method list screen as shown in FIG. 7 (S504).

As shown in FIG. 7, on the transfer method list screen, a finance company, a transfer date, and a transfer financial institution are described, and the supplier can select a desired transfer method by clicking a selection field. I have.

Then, the account transfer agency site 5 receives the selection input of the transfer method and re-aggregates the billing data (S505).

On the other hand, the buyer accesses the account transfer agency site 5 from the buyer terminal 3 via the log-in screen shown in FIG. Is input (S506).

As shown in FIG. 8, on the bill list screen, the supplier of the payee, the bill number, the product name, the quantity, the unit price, the bill amount, and the like are described, and when the buyer agrees with the contents. Check the checkbox and enter your agreement.

As described above, since the buyer can input the agreement and disagreement for each bill, it is possible to prevent a one-time withdrawal by an unknown supplier.

When the buyer inputs the agreement and disagreement, the account transfer agency site 5 updates the pass / fail status and totals the billing data in consideration of the pass / fail status (S
507).

Here, the buyer can access the account transfer agency site 5 from the buyer terminal 3 and refer to the transfer schedule from the transfer schedule list screen as shown in FIG. 9 (S508). In addition, the supplier also has the supplier terminal 4
The user can access the account transfer agency site 5 from, and inquire about the transfer schedule from the transfer schedule list screen as shown in FIG. 10 (S509).

When the account transfer agency site 5 totals the billing data, the billing data is transferred to the finance company 8
(S510), and the financing company 8 receiving the billing data transmits the billing data to the buyer-specified financial institution 6 (S511).

When the buyer-designated financial institution 6 receives the billing data, the billing amount is deducted from the buyer's designated account (S512), and the result of the account transfer is communicated to the buyer and the financing company 8 (S513). Further, the financing company 8 transmits the result of the account transfer to the account transfer agency site 5 (S514).

Thereafter, the buyer-designated financial institution 6 remits the transferred money to the finance company 8 (S51).
5) The financing company 8 distributes and transfers the collected transfer money to the designated financial institution 7 designated by each supplier based on the supplier registration application (S51).
6) Send the transfer result to the fund transfer agency site 5 (S
517).

When the fund transfer agency site 5 receives the transfer result in this way, the transfer result is totaled (S518).
Posting on the homepage (S519), each buyer and supplier can refer to the transfer result list screen as shown in FIG. 11 by accessing the account transfer agency site 5, and confirm the transfer result by this ( S52
0) The fund transfer agency processing by the fund transfer agency site 5 in the present embodiment ends.

As described above, since the fund transfer agency system 1 of the present embodiment receives the input of agreement and disagreement for each bill from the buyer, it is possible to prevent one-sided deduction by an unknown supplier.

In addition, the billing data is transferred to the fund transfer agency site 5
Since the totals are provided for each buyer and each supplier at the same time, the buyers can check the contents of the bills collectively by accessing the account transfer agency site 5, and must confirm the contents of the charges for each supplier. This saves you the hassle of having to do it.

[0057]

As described above, according to the fund transfer agency system of the present invention, it is possible to collectively process account transfers with many suppliers, and to prevent one-sided debits by the suppliers. Can be.

[Brief description of the drawings]

FIG. 1 is a block diagram showing a configuration of an embodiment of an account transfer agency system according to the present invention.

FIG. 2 is a flowchart for explaining an account transfer contract process in the account transfer agency system shown in FIG. 1;

FIG. 3 is a diagram showing an example of a deposit account transfer request form in the account transfer contract process shown in FIG. 2;

FIG. 4 is a diagram showing an example of a supplier registration handling application form in the fund transfer contract processing shown in FIG. 2;

FIG. 5 is a flowchart for explaining an account transfer agency process in the account transfer agency system shown in FIG. 1;

6 is a diagram showing an example of a login screen in the fund transfer agency process shown in FIG.

FIG. 7 is a view showing an example of a transfer method list screen in the fund transfer agency processing shown in FIG.

8 is a diagram showing an example of an invoice list screen in the fund transfer agency processing shown in FIG.

9 is a diagram showing an example of a transfer schedule list screen in the fund transfer agency processing shown in FIG.

FIG. 10 is a diagram showing an example of a transfer schedule list screen in the fund transfer agency processing shown in FIG. 5;

11 is a diagram showing an example of a transfer result list screen in the fund transfer agency processing shown in FIG.

[Explanation of symbols]

 1 Account Transfer Agency System 2A, ... 2N Portal Site 3A, ... 3N Buyer Terminal 4A, ..., 4N Supplier Terminal 5 Account Transfer Agent Site 6 Buyer Designated Financial Institution 7 Supplier Designated Financial Institution 8 Finance Company 9, 10 Communication network 51 Account transfer request book receiving means 52 Account information transmitting means 53 Agreement receiving means 54 Payment collection instruction means 55 Billing data totaling means 56 Member information database 57 Billing information database

 ────────────────────────────────────────────────── ─── Continued on the front page (72) Inventor Toshihiko Eda 2-5-10 Shiba, Minato-ku, Tokyo Billing System Co., Ltd. F-term (reference) 3E040 CA14 CB04 CB08 EA01

Claims (4)

[Claims] Claims: 1. An account transfer agent method in which a supplier that provides goods and a buyer who purchases goods make a transaction, and a server transfers the account transfer of the price generated by the transaction. The server receives the billing data necessary for the billing data, the server accepts an input as to whether or not the buyer who pays for the billing data agrees with the payment, and when the buyer agrees with the payment, the server collects the billing data. An account transfer method, wherein the financing company is instructed to collect the billing data by the server. 2. A fund transfer agency site for conducting a transaction between a supplier that provides a product and a buyer who purchases the product, and performing a transfer of a fund generated by the transaction. Receiving the fund transfer request form from the buyer, sending the fund transfer request form to a financing company that performs collection, and receiving billing data necessary for billing. Then, from the buyer who pays for the billing data, agreement accepting means for accepting an input as to whether or not to agree with the payment, and when the buyer agrees on the payment with the agreement accepting means, the buyer receives the charge based on the fund transfer request form. A money transfer instructing means for instructing the financing company to collect money for the billing data. Site. 3. The method according to claim 1, further comprising an account information transmitting unit that receives account information on the account of the supplier from which the money is to be transferred, from the supplier, and transmits the received account information to the financing company. The fund transfer agency site according to claim 2. 4. The account according to claim 2, further comprising billing data totalizing means for totalizing and providing said billing data received by said agreement accepting means for each of said buyer and said supplier. Transfer agency site.