JP2003036410A - Inter-company common settlement system utilizing internet - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a common settlement system utilizing the Internet for optimizing settlement processing performed among a plurality of companies that are three or more. SOLUTION: First, respective companies transmit their own payment processing and money receiving processing to a settlement managing company 8. The settlement managing company 8 which receives the processing calculates offset settlement information in each different settlement date on the basis of the received payment processing and money receiving processing. The respective companies that receive the offset settlement information perform transfer procedures to the designated account of the opposite company on the basis of the offset settlement information, and a financial institution notifies the settlement managing company 8 of account transfer confirmation information after the procedures are finished. The settlement managing company 8 finally performs multiple address notification of common settlement end information to the respective companies.

Description

Description: BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a payment processing system using a computer, and more particularly to a payment processing system between a plurality of companies using the Internet. 2. Description of the Related Art Each company pays (withdraws) to a partner company that has made a transaction during a certain period of time. In addition, if a payment process from the partner company also exists at the same time, mutual amounts may be offset based on an agreement between both parties in order to prevent complications in the processing procedure. [0003] In most of the conventional settlement processes, payment to a partner company is basically made through a financial institution. However,
In many cases, fees are collected for the transfer procedure, and if payment processing and deposit processing exist simultaneously with the partner company, the mutual amounts are offset to make the procedure more efficient. However, when the number of partner companies becomes large, it is practically impossible to grasp the payment processing and the withdrawal processing between the partner companies, and there is no other choice but to cancel each individual partner company to make a compromise. The joint payment system using the Internet according to the present invention aims at optimizing payment processing performed among three or more companies. [0004] In view of the above-mentioned problems, an inter-company joint payment system using the Internet according to the present invention is a network-based payment system in which three or more companies establish a business relationship with each other. Collect all payment processing information and payment processing information for each company for a predetermined period via
The payment processing information and the payment processing information are mutually offset to calculate the offset settlement processing in which the number of processing procedures is the least and the fee required for the procedure is the lowest, and the offset settlement processing is performed for each company via the network. The process is notified. Hereinafter, embodiments of a joint payment system according to the present invention will be described in detail with reference to the drawings.
As shown in FIG. 1, A company 1 (own company), B company 2, C
Company 3, Company D, Company E 5, Bank F 6 and Bank G 7 form a star network via the Internet 9. Furthermore, a settlement management company 8 that performs settlement management between a plurality of companies is also connected to this network. As shown in FIG. 2, the A company 1 has a payment process of 500 million yen and 700 million yen to the B company 2 and the D company 4, respectively. There is a payment process of 1 billion yen. In addition, C company 3 and D
There is no direct transaction for company 4. The main financial institution of the A company 1 is the F bank 6. FIG. 2 shows the relationship between the payment processing and the payment processing that each company has to other companies, and each major financial institution. First, each company transmits its own payment processing and payment processing to the settlement management company 8. The settlement management company 8 that receives these calculates offset settlement information for each settlement date based on the received payment processing and payment processing. For example, when the offset settlement information is created for the payment processing and the deposit processing shown in FIG. 2, as shown in FIG.
"Company B pays 100 million yen to Company A, 100 million yen to Company C, and 300 million yen to Company D, respectively." It can be seen that the procedure can be completed efficiently (Payer B company 2
There are other possible forms in which the E company 5 pays the A company 1, the C company 3, and the D company 4, but this form is the most natural in consideration of a normal business relationship.) The settlement management company 8 that has created the offset settlement information in this manner, the settlement target company and each of the main banking institutions F Bank 6
To the G bank 7. Each company that has received the offset settlement information performs a transfer procedure to the designated account of the partner company based on the information. After the completion of the transfer procedure, the F bank 6 and the G bank 7 which have performed the procedure notify the settlement management company 8 of the account transfer confirmation information. Finally, the settlement management company 8 broadcasts the settlement end information to each company. As described above, according to the joint payment system using the Internet of the present invention, it is possible to perform the payment processing which is complicated and entangled among a plurality of companies and which is likely to be complicated. It becomes.

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a network diagram showing an embodiment of the present invention. FIG. 2 is a diagram showing a normal business relationship of the present invention. FIG. 3 is a diagram showing a trade relationship in which offset settlement is performed and efficiency is improved. [Description of Signs] 1 A company 2 B company 3 C company 4 D company 5 E company 6 Bank F 7 Bank G 8 Payment management company 9 Internet

Claims (1)

Claims 1. When three or more companies establish a business relationship with each other, all payment processing information and payment processing information of each company in a predetermined period are collected via a network, The payment processing information and the payment processing information are mutually offset to calculate the offset settlement processing in which the number of processing procedures is the least and the fee required for the procedure is the lowest, and the offset settlement processing is performed for each company via the network. A business-to-business joint payment system using the Internet, characterized by notification of processing.