JP6759273B2 - Payment processing device - Google Patents

Description

Related to technology for payment for the purchase of goods and services.

In recent years, the processing power of computers has improved and the information and communication environment has also advanced. In commercial transactions, instead of face-to-face cash payments, payments using communication networks, especially through a neutral third party (payment company) The use of credit card payments is expanding.

On the other hand, credit card payments seem to be under development centered on BtoC payments, and credit card payments in BtoB transactions are relatively inferior in terms of convenience due to their unique business practices. ing.

Even under such a background, research and development on credit card payments in BtoB transactions are being continued. For example, in Patent Documents 1 to 9, it is technical to improve the convenience of credit card payments in BtoB transactions. Proposals are being made.

Japanese Unexamined Patent Publication No. 2007-21341 Japanese Unexamined Patent Publication No. 2006-293500 Japanese Unexamined Patent Publication No. 2006-293499 Japanese Unexamined Patent Publication No. 2004-326174 Japanese Unexamined Patent Publication No. 2003-168603 JP-A-2002-352167 JP-A-2018-018522 Japanese Unexamined Patent Publication No. 2017-037592 JP-A-2002-197381

However, in the above-mentioned conventional technology, it is possible to flexibly respond to the circumstances of the buyer such as the organizational form of the buyer who intends to purchase the product / service, the size of the purchasing authority for each person in charge belonging to the buyer, and the change of the purchasing authority. There was a problem that it was not done.

Therefore, in view of the above problems, the present invention flexibly responds to the circumstances of the buyer in the scene of mediating the settlement of the price of the commercial transaction between the buyer (the person who belongs to the buyer and actually performs the purchasing behavior) and the supplier. It is an object of the present invention to provide a payment processing device capable of performing.

One form of the payment processing device to be disclosed includes organization identification information that identifies an organization, organizational credit line information that belongs to the organization and is the upper limit of the uncleared amount associated with the purchase of goods and services, and the uncleared information regarding the organization. An organizational credit storage means that stores the cleared amount in association with each other, user identification information that identifies a user belonging to the organization, and a user credit line that is the upper limit of the uncleared amount associated with the purchase of goods and services by the user. The personal credit storage means that stores the information and the uncleared amount related to the user in association with each other, and the price of the product / service that the user intends to purchase is the user credit line information related to the user. The amount equal to or less than the user credit line balance information, which is the amount obtained by subtracting the uncleared amount related to the one user, and the price is the amount obtained by the one user from the organizational credit line information related to the organization to which the one user belongs. If it is less than or equal to the organizational credit line balance information, which is the amount obtained by deducting the uncleared amount related to the organization to which the organization belongs, there is a transaction propriety determination means for determining that the product / service can be purchased by the one user. Then, in the personal credit storage means, when the user credit line information regarding a plurality of the users belonging to the one organization is stored, the user credit line information about each of the plurality of users is the organization related to the one organization. It is characterized in that it is less than or equal to the credit line information, and the sum of the user credit line information for each of the plurality of users is allowed to be equal to or more than the organizational credit line information for the one organization.

The payment processing device to be disclosed can flexibly respond to the circumstances of the buyer in the scene of mediating the payment of the commercial transaction between the buyer (the person who belongs to the buyer and actually performs the purchasing behavior) and the supplier. Is.

It is a figure explaining the outline of the payment processing apparatus which concerns on this embodiment. It is a functional block diagram of the payment processing apparatus which concerns on this embodiment. It is a figure which shows an example of the superordinate organization credit storage means which concerns on this embodiment. It is a figure which shows the example of the registration screen of the superordinate organization credit storage means which concerns on this embodiment. It is a figure which shows an example of the organization credit storage means which concerns on this embodiment. It is a figure which shows the example of the registration screen of the organization credit storage means which concerns on this embodiment. It is a figure which shows an example of the user credit storage means which concerns on this embodiment. It is a figure which shows the example of the registration screen of the user credit storage means which concerns on this embodiment. It is a figure which shows the hardware configuration example of the payment processing apparatus which concerns on this embodiment. It is a sequence diagram which shows the flow of an example of the credit line setting process by the settlement processing apparatus which concerns on this Embodiment. It is a sequence diagram which shows the flow of an example of the settlement processing by the settlement processing apparatus which concerns on this embodiment. It is a figure which shows the screen example at the time of the product / service purchase which concerns on this Embodiment. It is a figure which shows an example of the uncleared list which concerns on this embodiment.

A mode for carrying out the present invention will be described with reference to the drawings.
(Operating principle of the payment processing device according to the present embodiment)

The outline of the payment processing device (hereinafter, simply referred to as “the device”) 100 according to the present embodiment will be described with reference to FIG. FIG. 1 is a diagram for explaining how the device 100 and peripheral devices are related to each other. This device 100 belongs to the supplier device 400 managed by the supplier 390 that provides the goods / services, the buyer device 380 managed by the buyers 260/310 that purchase the goods / services, and the buyers 260, 310 via the communication network 410. It is connected to the user device 370 operated by the person in charge 210 who actually makes the purchase. The communication network 410 may be wired or wireless, and the communication method is not limited.

The apparatus 100 mediates the payment for the sale and purchase of goods and services between the supplier 390 and the buyers 260 and 310 (purchasing person 210). Based on the circumstances of buyers 260 and 310, there are differences in the purchaseable amount for each group within buyers 260 and 310, there are differences in the purchaseable amount of the purchaser 210, and purchases are possible due to authority changes. There is a change in the amount. The apparatus 100 makes it possible to flexibly set and change the purchaseable amount of buyers 260, 310 and purchaser 210 according to the circumstances of such buyers 260 and 310, and manages credit based on the currently set conditions. Perform processing / settlement processing.

The operating principle of the apparatus 100 will be described with reference to FIG. FIG. 2 is a functional block diagram of the apparatus 100. As shown in FIG. 2, the apparatus 100 includes a higher-level organization credit storage means 110, an organization credit storage means 120, an individual credit storage means 130, a transaction availability determination means 140, and a credit balance management means 150.

The upper organization credit storage means 110 belongs to the upper organization identification information 320 that identifies the upper organization 310 to which the organization 260 belongs, and the upper organization that belongs to the upper organization 310 and is the upper limit of the uncleared amount 350 associated with the purchase of goods and services. The credit limit information 330 and the uncleared amount 350 related to the higher-level organization 310 are stored in association with each other. The upper organization 310 is assumed to be a corporation such as a joint-stock company, and the organization 260 is assumed to be a group (head office, branch office, department, etc.) established within the corporation 310 organization, but the upper organization (upper organization 310) and lower (upper organization 310). As long as there is a relationship of organization 260), it is not limited to these contents.

The upper organization credit line information 330 is the upper limit of the uncleared amount 350 allowed by the upper organization 310, and the upper organization 310 is a product by "multiplying" until the uncleared amount 350 reaches the upper organization credit line information 330.・ You can purchase services.

FIG. 3 is a diagram showing an example of information stored in the higher-level organization credit storage means 110. As shown in FIG. 3, the upper organization credit storage means 110 is, for example, the upper organization 310 (320): POR Co., Ltd., the upper organization credit frame information 330: 1,000,000 (yen), and the upper organization credit frame balance information. 340: 450,000 (yen) and the uncleared amount of the upper organization 350: 550,000 (yen) are stored in association with each other.

Further, FIG. 4 is an example of a setting screen of the upper organization credit line information 330 to be stored in the upper organization credit storage means 110. As shown in FIG. 4, when the registration of the upper organization credit line information 330: 1,000,000 (yen) is set on the setting screen of the upper organization credit line information 330, the information 330 as shown in FIG. 3 is registered. To.

The organization credit storage means 120 has organization identification information 270 that identifies the organization 260, organization credit frame information 280 that belongs to the organization 260 and is the upper limit of the uncleared amount 300 associated with the purchase of goods and services, and the organization 260. The clearing amount 300 is stored in association with each other. The organization credit line information 280 is the upper limit of the uncleared amount 300 allowed by the organization 260, and the organization 260 purchases goods and services by "multiplying" until the uncleared amount 300 reaches the organization credit line information 280. can do.

FIG. 5 is a diagram showing an example of information stored in the organization credit storage means 120. As shown in FIG. 5, the organization credit storage means 120 is, for example, an upper organization 310 (320): an organization 260 (270) belonging to POR Co., Ltd .: one sales copy, an organization credit frame information 280: 1,000,000. (Yen), organization credit limit balance information 290: 500,000 (yen), and organization uncleared amount 300: 500,000 (yen) are stored in association with each other.

Further, FIG. 6 is an example of a setting screen of the organizational credit line information 280 stored in the organizational credit storage means 120. As shown in FIG. 6, when the registration of the organization credit line information 280: 500,000 (yen) is set on the setting screen of the organization 260 (270) belonging to POR Co., Ltd .: the organization credit line information 280 related to the second sales department. , Information 280 as shown in FIG. 5 is registered.

The personal credit storage means 130 includes user identification information 220 that identifies a user 210 belonging to the organization 260, user credit line information 230 that is an upper limit of the uncleared amount 250 associated with the purchase of goods / services by the user 210, and user 210. The uncleared amount of 250 related to is stored in association with each other. The user 210 is a person in charge of purchasing who belongs to the upper organization 310 / organization 260 and actually purchases goods / services. The user credit line information 230 is the upper limit of the uncleared amount 250 allowed by the user 210, and the user 210 purchases goods and services by "multiplying" until the uncleared amount 250 reaches the user credit line information 230. can do.

FIG. 7 is a diagram showing an example of information stored in the personal credit storage means 130. As shown in FIG. 7A, the personal credit storage means 130 is, for example, an organization 260 (270): a user 210 (220) belonging to the first sales department: Sato, and a user credit line information 230: 750,000 (yen). ), User credit line balance information 240: 700,000 (yen), and user uncleared amount 250: 50,000 (yen) are stored in association with each other.

Further, as shown in FIG. 7B, the personal credit storage means 130 is, for example, an organization 260 (270): a user 210 (220) belonging to the second sales department: Suzuki, a user credit line information 230: 100,000. (Yen), user credit line balance information 240: 50,000 (yen), and user uncleared amount 250: 50,000 (yen) are stored in association with each other.

Further, FIG. 8 is an example of a setting screen of the user credit line information 230 stored in the personal credit storage means 130. As shown in FIG. 8, user 210 (220) belonging to POR Co., Ltd., Sales Department 1: Registration of user credit line information 230: 150,000 (yen) on the setting screen of user credit line information 230 related to Sasaki. When set, the information 230 as shown in FIG. 7A is registered.

As shown in FIG. 5, when the organization credit storage means 120 stores the organization credit frame information 280 for a plurality of organizations 260 belonging to one higher-level organization 310, the organization credit frame information 280 for each of the plurality of organizations 260 is stored. Must be less than or equal to the higher organization credit limit information 330 for one higher organization 310. Further, in the same case, in the organization credit storage means 120, the sum of the organization credit line information 280 for each of the plurality of organizations 260 is allowed to be the upper organization credit line information 330 or more for one upper organization 310. By managing the credit of the lower organization within the credit line for the upper organization, the credit management of the entire organization can be made effective.

As shown in FIG. 7, when the personal credit storage means 130 stores the user credit line information 230 for a plurality of users 210 belonging to one organization 260, the user credit line information 230 for each of the plurality of users 210 is one. Organizational credit line information 280 or less for the organization 260 of. Further, in the same case, in the personal credit storage means 130, the sum of the user credit line information 230 for each of the plurality of users 210 is allowed to be 280 or more for the organization credit line information 230 for one organization 260. By managing the lower personal credit within the credit line for the higher organization, the credit management of the entire organization can be made effective.
That is, in order to operate the credit management in the apparatus 100, it is required that the higher-level organization credit line information 330 ≧ organization credit line information 280 ≧ user credit line information 230.

The transaction availability determination means 140 is an organization 260 to which the price 360 of the product / service to be purchased by one user 210 is 240 or less of the user credit line balance information 240 related to one user 210, and the price 360 is one user 210. If the organizational credit line balance information is 290 or less, it is determined that one user 210 can purchase goods / services.

The user credit line balance information 240 is an amount obtained by deducting the uncleared amount 250 from the user credit line information 230 for one user 210. The organizational credit line balance information 290 is an amount obtained by deducting the uncleared amount 300 from the organizational credit line information 280 for the organization 260 to which one user 210 belongs.

Further, in the transaction availability determination means 140, the user 210 whose price 360 for the product / service to be purchased by one user 210 is 240 or less of the user credit line balance information 240 for one user 210 and whose price 360 is one belongs. If the organization credit line balance information 290 or less related to the organization 260 and the price 360 is the upper organization credit line balance information 340 or less related to the upper organization 310 to which the organization 260 to which the one user 210 belongs, the product by one user 210・ Judge that the service can be purchased.

The upper organization credit line balance information 340 is an amount obtained by subtracting the uncleared amount 350 from the upper organization credit line information 330 with respect to the upper organization 310 to which the organization 260 to which one user 210 belongs belongs.

The credit balance management means 150 is determined to be available for purchase by the transaction availability determination means 140, and when the user 210 purchases a product or service, the purchase price 360 is added to the uncleared amount 250 related to the user 210. In addition, the credit balance management means 150 adds the purchase price 360 by the user 210 to the uncleared amount 300 related to the organization 260 to which the user 210 belongs.

Further, the credit balance management means 150 is determined to be available for purchase by the transaction availability determination means 140, and when the user 210 purchases a product or service, the uncleared amount of the upper organization 310 to which the organization to which the user 210 belongs belongs. The purchase price 360 is added to 350.

By the above processing, the apparatus 100 mediates the settlement of the price of the commercial transaction between the buyers 260 and 310 (the person in charge 210 who belongs to the buyers 260 and 310 and actually performs the purchasing behavior) and the supplier 390. It is possible to flexibly respond to the circumstances on the 260 and 310 sides.
(Hardware configuration of payment processing device according to this embodiment)

An example of the hardware configuration of the present device 100 will be described with reference to FIG. FIG. 9 is a diagram showing an example of the hardware configuration of the present device 100. As shown in FIG. 9, the present device 100 includes a CPU (Central Processing Unit) 510, a ROM (Read-Only Memory) 520, a RAM (Random Access Memory) 530, an auxiliary storage device 540, a communication I / F 550, and an input device 560. It has an output device (display device) 570 and a recording medium I / F 580.

The CPU 510 is a device that executes a program stored in the ROM 520, and performs arithmetic processing on the data expanded (loaded) in the RAM 530 according to the instruction of the program to control the entire device 100. The ROM 520 stores programs and data executed by the CPU 510. When the CPU 510 executes the program stored in the ROM 520, the RAM 530 expands (loads) the program or data to be executed, and temporarily holds the operation data during the operation.

The auxiliary storage device 540 is a device that stores an OS (Operating System), which is basic software, an application program related to the present embodiment, and the like together with related data. For example, an HDD (Hard Disc Drive), a flash memory, or the like. Is. The auxiliary storage device 540 includes a higher-level organization credit storage means 110, an organization credit storage means 120, and an individual credit storage means 130.

The communication I / F 550 is an interface for connecting to a communication network 410 such as a wired / wireless LAN (Local Area Network) or the Internet and exchanging data with other devices 370, 380, 400 that provide a communication function.

The input device 560 is a device for inputting data to the device 100, such as a keyboard and a touch panel. The output device 570 is a device composed of an LCD (Liquid Crystal Display) or the like, and is a device that functions as a user interface when the user uses the functions of the device 100 or when making various settings.
The recording medium I / F 580 is an interface for transmitting / receiving data to / from a recording medium 590 such as a CD-ROM, a DVD-ROM, or a USB memory.

Each means included in the present device 100 may be realized by the CPU 510 executing a program corresponding to each means stored in the ROM 520 or the auxiliary storage device 540. Further, each means included in the present device 100 may be in a form in which processing related to each means is realized as hardware. Further, the program 100 according to the present invention is read from the external server device via the communication I / F 550, or the program according to the present invention is read from the recording medium 590 via the recording medium I / F 580. It may be a form in which the program is executed.
(Example of processing by the payment processing device according to this embodiment)
(1) Credit line setting process by this device 100

A flow of an example of the credit line setting process by the apparatus 100 will be described with reference to FIG. FIG. 10 is a sequence diagram showing an example flow of a credit line setting process by the apparatus 100.
In S10, the buyer device 380 requests the device 100 to set the superordinate organization 310: the company credit line 330.

In S20, the apparatus 100 sets the upper organization 310: the credit line 330 of the company in response to the request in S10. The apparatus 100 stores the higher-level organization identification information 320, the higher-level organization credit line information 330, and the uncleared amount 350 in association with the higher-level organization credit storage means 110. The upper organization credit line information 330 is the upper limit of the uncleared amount 350 allowed by the upper organization 310, and the upper organization 310 is a product by "multiplying" until the uncleared amount 350 reaches the upper organization credit line information 330.・ You can purchase services.

As shown in FIG. 3, the present device 100 provides, for example, the upper organization 310 (320): POR Co., Ltd. and the upper organization credit line information 330: 1,000,000 (yen) to the upper organization credit storage means 110. Store in association with each other. Further, as shown in FIG. 4, when the registration of the upper organization credit line information 330: 1,000,000 (yen) is set on the setting screen of the upper organization credit line information 330, the information 330 as shown in FIG. 3 is displayed. be registered.
In S30, the buyer device 380 requests the device 100 to set the credit line 280 of the upper organization 310: the organization belonging to the company (company group) 260.

In S40, the apparatus 100 sets the credit line 280 of the organization (company group) 260 in response to the request in S30. The apparatus 100 stores the organization identification information 270, the organization credit line information 280, and the uncleared amount 300 in association with the organization credit storage means 120. The organization credit line information 280 is the upper limit of the uncleared amount 300 allowed by the organization 260, and the organization 260 purchases goods and services by "multiplying" until the uncleared amount 300 reaches the organization credit line information 280. can do.

As shown in FIG. 5, the apparatus 100 has a higher-level organization 310 (320): an organization 260 (270) belonging to POR Co., Ltd .: a sales unit, and an organization credit line information 280 with respect to the organization credit storage means 120. : 1,000,000 (yen) is associated and stored. Further, as shown in FIG. 6, on the setting screen of the organization 260 (270) belonging to POR Co., Ltd .: the organization credit line information 280 related to the second sales department, the organization credit line information 280: 500,000 (yen) is registered. When set, information 280 as shown in FIG. 5 is registered.

As shown in FIG. 5, when the organization credit storage means 120 stores the organization credit frame information 280 for a plurality of organizations 260 belonging to one higher-level organization 310, the organization credit frame information 280 for each of the plurality of organizations 260 is stored. Must be less than or equal to the higher organization credit limit information 330 for one higher organization 310. Further, in the same case, in the organization credit storage means 120, the sum of the organization credit line information 280 for each of the plurality of organizations 260 is allowed to be the upper organization credit line information 330 or more for one upper organization 310.

In S50, the apparatus 100 notifies the buyer apparatus 380 that the setting process requested in S30 has succeeded, and in S60, the buyer apparatus 380 receives the notification in S50.
In S70, the buyer device 380 requests the device 100 to set the credit line 230 of the organization 310: the purchaser 210 belonging to the in-house group.

In S80, the apparatus 100 sets the credit line 230 of the purchaser 210 in response to the request in S70. The apparatus 100 stores the person in charge identification information 220 and the person in charge credit line information 230 in association with each other in the personal credit storage means 130. The person in charge credit line information 230 is the upper limit of the uncleared amount 250 allowed by the purchasing person 210, and the purchasing person 210 "multiplies" until the uncleared amount 250 reaches the person in charge credit line information 230. You can purchase goods and services at.

As shown in FIG. 7 (a), the apparatus 100 has a personal credit storage means 130, for example, an organization 260 (270): a purchasing person 210 (220) belonging to the sales department 1: Sato, a person in charge credit. Frame information 230: 750,000 (yen) is associated and stored.

Further, as shown in FIG. 7B, the apparatus 100 is in charge of the personal credit storage means 130, for example, organization 260 (270): purchasing person 210 (220) belonging to the second sales department: Suzuki. Person credit line information 230: 100,000 (yen) is associated and stored.

As shown in FIG. 8, the person in charge of purchasing 210 (220) belonging to the Sales Department 1 of POR Co., Ltd .: On the setting screen of the person in charge credit line information 230 related to Sasaki, the person in charge credit line information 230: 150,000 (yen) ) Is set, the information 230 as shown in FIG. 7A is registered.

As shown in FIG. 7, when the person in charge credit line information 230 related to a plurality of purchasers 210 belonging to one organization 260 is stored in the personal credit storage means 130, it is related to each of the plurality of purchasers 210. The person in charge credit line information 230 must be less than or equal to the organizational credit line information 280 for one organization 260. Further, in the same case, in the personal credit storage means 130, the sum of the person in charge credit line information 230 for each of the plurality of purchasers 210 is allowed to be the organization credit line information 280 or more for one organization 260.
That is, in order to operate the credit management in the apparatus 100, it is required that the higher-level organization credit line information 330 ≧ organization credit line information 280 ≧ user credit line information 230.

In S90, the apparatus 100 notifies the buyer apparatus 380 that the setting process requested in S70 has succeeded, and in S100, the buyer apparatus 380 receives the notification in S90.

By performing the above processing, the device 100 sets conditions for flexibly responding to the circumstances of the buyer in the scene of mediating the settlement of the price of the commercial transaction performed between the buyer (purchasing person) and the supplier. I do.
(2) Payment processing by this device 100

An example flow of the payment settlement process by the apparatus 100 will be described with reference to FIG. FIG. 11 is a sequence diagram showing an example flow of payment settlement processing by the apparatus 100.

In S110, the person-in-charge terminal 370 applies for the purchase of goods / services to the supplier device 400. In S120, the supplier device 400 (in S120', the person in charge terminal 370) requests the authentication of the person in charge of purchasing 210. As shown in FIG. 12, for example, the authentication request of the person in charge 210 in S120 or S120'may be made by inputting the ID 220 of the person in charge 210, the name of the person in charge 210, and the secure code.

In S130, the transaction availability determination means 140 is that the price 360 of the product / service that the person in charge 210 intends to purchase is the credit line balance information 240 or less of the person in charge 210, and the price 360 is the credit of the organization 260 to which the person in charge 210 belongs. If the line of credit information is 290 or less and the price 360 is 340 or less of the credit line of credit information of the upper organization 310 to which the organization 260 to which the person in charge 210 belongs, the person in charge 210 can purchase goods and services. judge.

In S140, the transaction availability determination means 140 notifies the requester (supplier device 400 or the person in charge terminal 370) of the determination result that the person in charge 210 can purchase the goods / services. In S150, the supplier device 400 (in S150', the person in charge terminal 370) receives the notification in S140.

In S160, the supplier device 400 (in S160', the person in charge terminal 370) requests the device 100 to settle the price of the goods / services purchased by the person in charge 210. As shown in FIG. 12, for example, the request for payment in S160 or S160'may be made by inputting the ID 220 of the person in charge 210, the name of the person in charge 210, and the secure code.

In S170, the credit balance management means 150 records the price amount 360 of the goods / services purchased by the person in charge 210 in the payment list to the supplier 390. As shown in FIG. 13 (a), the credit balance management means 150 is, for example, in the supplier 390: payment list to Sato Shoji, transaction ID: 100xx, supplier 390: Sato Shoji, buyer 310 (320): POR Co., Ltd. , Group 260 (270): Sales 1st copy, Person in charge 210 (220): Sato, Price 360: 100,000 (yen), Purchased goods / services: Stationery Information is recorded in association with each other.

Further, as shown in FIG. 13A, similarly, when the buyer 310 is different, the credit balance management means 150 is, for example, in the payment list to the supplier 390: Sato Shoji, the transaction ID: 100xz, and the supplier 390: Sato. Trading, Buyer 310 (320): TIA Co., Ltd., Group 260 (270): General Affairs Department, Person in charge 210 (220): Takahashi, Price 360: 15,000 (yen), Purchased goods / services: Stationery To associate and record.

In S180, the credit balance management means 150 records the price amount 360 of the goods / services purchased by the person in charge 210 in the billing list to the buyer 310. As shown in FIG. 13 (b), the credit balance management means 150 is, for example, in the billing list to Buyer 310: POR Co., Ltd., transaction ID: 100xx, supplier 390: Sato Shoji, buyer 310 (320): POR stock. Company, group 260 (270): Sales 1st copy, person in charge 210 (220): Sato, price 360: 100,000 (yen), purchased goods / services: stationery information is recorded in association with each other.

Further, as shown in FIG. 13 (c), the credit balance management means 150 includes, for example, buyer 310: in the billing list to TIA Co., Ltd., transaction ID: 100xz, supplier 390: Sato Shoji, buyer 310 (320) :. TIA Co., Ltd., Group 260 (270): General Affairs Department, Person in charge 210 (220): Takahashi, Price 360: 15,000 (yen), Purchased goods / services: Stationery information is stored in association with each other.

Further, in S180, the credit balance management means 150 is in charge of the price 360 of the goods / services purchased by the person in charge 210, the uncleared amount 250 of the person in charge 210, and the uncleared amount 300 of the organization 260 to which the person in charge 210 belongs. It is added to each of the uncleared amounts 350 of the higher-level organization 310 to which the organization 260 to which the person 210 belongs. In addition, the credit balance management means 150 subtracts the credit line balance information 240, 290, and 340 by the amount of the price amount 360 of the goods and services purchased by the person in charge 210.

As shown in FIGS. 3, 5, 7, and 13, the credit balance management means 150 includes, for example, the person in charge 210: Sato, the group 260: sales department 1, and the buyer 310: POR Co., Ltd., respectively. The price of goods / services purchased by the person in charge 210 is 360: 100,000 (yen) added to 350.

On the other hand, the credit balance management means 150 is, for example, a product in which the person in charge 210 purchases the remaining credit lines 240, 290, and 340 for each of the person in charge 210: Sato, the group 260: sales department 1, and the buyer 310: POR Co., Ltd. The service price is 360: 100,000 (yen) is deducted.

In S190, the apparatus 100 executes the payment processing of the accounts receivable recorded in each payment list for each supplier 390, and in S200, the supplier apparatus 400 receives the remittance from the apparatus 100 in S190.

In S210, the apparatus 100 executes the billing process for accounts payable recorded in each billing list for each buyer 310, and in S220, the buyer device 380 receives the bill from the apparatus 100 in S210. ..

Through the above processing, the apparatus 100 can flexibly respond to the circumstances of the buyers 260 and 310 in the situation of mediating the payment settlement of the commercial transaction performed between the buyers 260 and 310 (person in charge 210) and the supplier 390. Is.

Although the embodiments of the present invention have been described in detail above, the present invention is not limited to the specific embodiments, and various modifications are made within the scope of the gist of the present invention described in the claims.・ Can be changed.

100 Settlement processing device 110 Upper organization credit storage means 120 Organizational credit storage means 130 Individual credit storage means 140 Transaction availability judgment means 150 Credit balance management means 210 User 220 User identification information 230 User credit frame information 240 User credit frame balance information 250 User's Uncleared amount 260 Organization 270 Organization identification information 280 Organization credit frame information 290 Organization credit frame balance information 300 Uncleared amount of organization 310 Upper organization 320 Upper organization identification information 330 Upper organization credit frame information 340 Upper organization credit frame balance information 350 Upper organization Uncleared amount 360 Purchase price of goods / services 370 User equipment 380 Buyer equipment 390 Supplier 400 Supplier equipment 410 Communication network 510 CPU
520 ROM
530 RAM
540 Auxiliary storage device 550 Communication interface 560 Input device 570 Output device (display device)
580 Recording medium interface 590 Recording medium

Claims (9)

The organization identification information that identifies the organization, the organizational credit limit information that belongs to the organization and is the upper limit of the uncleared amount associated with the purchase of goods and services, and the uncleared amount related to the organization are stored in association with each other. Organizational credit storage means and
The user identification information that identifies a user belonging to the organization, the user credit line information that is the upper limit of the uncleared amount associated with the purchase of goods / services by the user, and the uncleared amount related to the user are associated with each other. Personal credit memory means to memorize and
The price of the goods / services that the user intends to purchase is less than or equal to the user credit line balance information, which is the amount obtained by subtracting the uncleared amount related to the user from the user credit line information related to the user. If the price is less than or equal to the organizational credit line balance information, which is the amount obtained by subtracting the uncleared amount related to the organization to which the one user belongs from the organizational credit line information concerning the organization to which the one user belongs. It has a transaction propriety determination means for determining that the product / service can be purchased by the one user.
In the personal credit storage means, when the user credit line information regarding a plurality of the users belonging to the one organization is stored, the user credit line information about each of the plurality of users is the organization credit line information about the one organization. Information The payment processing device, which is less than or equal to the information, is allowed to have a sum of the user credit line information for each of the plurality of users equal to or more than the organizational credit line information for the one organization. When it is determined by the transaction availability determination means that the purchase is possible and the product / service is purchased by the one user, the one user is added to the uncleared amount related to the organization to which the one user belongs. Claim 1 is characterized in that it has a credit balance management means for adding the purchase price of goods / services by the one user and adding the purchase price of the goods / services by the one user to the uncleared amount of the one user. The payment processing device described in. The higher-level organization identification information that identifies the higher-level organization to which the higher-level organization belongs, the higher-level organization credit frame information that belongs to the higher-level organization and is the upper limit of the uncleared amount associated with the purchase of goods and services, and the above-mentioned uncleared information regarding the higher-level organization. It has a higher-level organization credit storage means that stores the settlement amount in association with it.
The price of the product / service that the one user intends to purchase by the transaction propriety determination means is the one user from the higher organization credit frame information regarding the higher organization to which the organization to which the one user belongs belongs. If the amount is less than or equal to the credit limit balance information of the upper organization, which is the amount obtained by deducting the uncleared amount of the upper organization to which the organization belongs, it is determined that the product / service can be purchased by the one user. ,
In the personal credit storage means, when the organization credit frame information regarding a plurality of the organizations belonging to the one higher organization is stored, the organization credit frame information about each of the plurality of organizations is the higher level information regarding the one higher organization. 2. Claim 2 is characterized in that it is less than or equal to the organizational credit frame information, and the sum of the organizational credit frame information for each of the plurality of organizations is allowed to be equal to or greater than the higher organization credit frame information for the one higher organization. The payment processing device described in. When the credit balance management means is determined by the transaction availability determination means that the purchase is possible and the product / service is purchased by the one user, the organization to which the one user belongs belongs. The payment processing device according to claim 3, wherein the purchase price of the product / service by the one user is added to the uncleared amount of the higher-level organization. The organization identification information that identifies the organization, the organizational credit limit information that belongs to the organization and is the upper limit of the uncleared amount associated with the purchase of goods and services, and the uncleared amount related to the organization are stored in association with each other. Organizational credit storage means, user identification information that identifies a user belonging to the organization, user credit limit information that is the upper limit of the uncleared amount associated with the purchase of goods / services by the user, and the uncleared amount related to the user. It is performed on a computer having a personal credit storage means for storing and associating with each other.
The transaction propriety determination means is that the price of the product / service that the user intends to purchase is the amount obtained by subtracting the uncleared amount related to the user from the user credit line information related to the user. The organizational credit line balance, which is less than or equal to the line of credit information and the price is the amount obtained by subtracting the uncleared amount of the organization to which the one user belongs from the organizational credit line information of the organization to which the one user belongs. If it is less than or equal to the information, it includes a step of determining that the product / service can be purchased by the one user.
In the personal credit storage means, when the user credit line information regarding a plurality of the users belonging to the one organization is stored, the user credit line information about each of the plurality of users is the organization credit line information about the one organization. Information or less, a payment processing method characterized in that the sum of the user credit line information for each of the plurality of users is allowed to be equal to or greater than the organizational credit line information for the one organization. When the credit balance management means determines that the purchase is possible by the transaction availability determination means and the product / service is purchased by the one user, the uncleared settlement regarding the organization to which the one user belongs. The fifth aspect of claim 5 includes a step of adding the purchase price of the goods / services by the one user to the amount of money and adding the purchase price of the goods / services by the one user to the uncleared amount of the one user. Payment processing method. The upper organization identification information that identifies the upper organization to which the computer belongs, the upper organization credit frame information that belongs to the upper organization and is the upper limit of the uncleared amount associated with the purchase of goods and services, and the upper organization. It has a higher-level organization credit storage means that stores the uncleared amount related to the organization in association with each other.
The price of the product / service that the one user intends to purchase by the transaction propriety determination means is the one user from the higher organization credit frame information regarding the higher organization to which the organization to which the one user belongs belongs. If the amount is less than or equal to the credit limit balance information of the upper organization, which is the amount obtained by deducting the uncleared amount of the upper organization to which the organization belongs, it is determined that the product / service can be purchased by the one user. ,
In the personal credit storage means, when the organization credit frame information regarding a plurality of the organizations belonging to the one higher organization is stored, the organization credit frame information about each of the plurality of organizations is the higher level information regarding the one higher organization. The settlement process according to claim 6, which is less than or equal to the organizational credit limit information, and the sum of the organizational credit frame information for each of the plurality of organizations is allowed to be equal to or greater than the upper organization credit frame information for the one higher organization. Method. When the credit balance management means is determined by the transaction availability determination means that the purchase is possible and the product / service is purchased by the one user, the organization to which the one user belongs belongs. The settlement processing method according to claim 7, wherein the purchase price of the product / service by the one user is added to the uncleared amount related to the higher-level organization. A payment processing program for causing a computer to execute the method according to any one of claims 5 to 8.