JPH11345265A - Electronic business system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To execute compensation processing between companies by producing a database with which settlement processing is easily performed between the companies based on transaction information exchanged between the companies and utilizing the database in an electronic business system. SOLUTION: When ordering data is received from a terminal, a compensation managing part 24 of a server 11 produces a transaction record having a transaction identifier and the identifier of an orderer and registers it on a transaction information database 21. When receiving order data having the same transaction identifier is received, the database 21 is retrieved and updation is performed so that the identifier of an order receiver and settlement amount are set to a corresponding record. When a compensation instruction is received about more than two transaction records, the part 24 executes compensation processing of the designated transaction records.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic commerce system for conducting a business transaction electronically using a computer, and more particularly to a business transaction system based on transaction information transmitted between traders and registered in a database. The present invention relates to an electronic commerce system for offsetting payment amounts.

[0002]

2. Description of the Related Art In recent years, when conducting business transactions between companies and the like, electronic commerce in which terminal devices arranged in respective companies are connected to each other via a network and trade information is mutually exchanged to carry out business transactions has been put to practical use. Is being done.

[0003] For example, Japanese Patent Application Laid-Open No. 9-73496 is provided between financial institutions and financial institutions by exchanging data, such as ordering, via an industry network connecting sellers and buyers. Disclosed is a system that enables efficient business transactions by mutually exchanging payment-related data via a relay center.

[0004]

[Problems to be solved by the invention]
In particular, when conducting business transactions in which payments are made mutually with a specific counterparty such as a company, it is necessary to aggregate the payment amount and the amount received and offset the aggregated amount with each other. Done. In addition, a group is formed by a plurality of companies, and the amount of payment and the amount of reception are offset among the companies in the group.

[0005] According to the above prior art, various kinds of remittance methods can be adopted by exchanging payment-related data via the relay center. However, no consideration is given to the offset between the payment amount and the received amount, which is performed between the specific counterparty or the multiple companies as described above. It is necessary to manage settlement information such as to know which company has completed the offsetting work for the ordered product and whether the limit has been exceeded. For this reason, there is a problem that the burden on each company is large and it is difficult to perform efficient payment processing.

[0006] An object of the present invention is to create a database that facilitates payment management based on transaction information sent from each transaction person.

Another object of the present invention is to execute a canceling process using this database.

[0008]

According to the present invention, there is provided a storage means for storing a plurality of transaction information including a transaction identifier, an orderer identifier, an orderer identifier, and a settlement amount to be paid from the orderer to the orderer. Processing means for registering transaction information in which a transaction identifier and an orderer identifier are set when receiving order data in this storage means, and receiving order data for transaction information having the same transaction identifier when receiving order data, An electronic commerce system having means for updating the storage means so as to set a user identifier and a settlement amount.

Further, according to the present invention, there is provided first transaction information having a first settlement amount to be paid from a first trader who is an orderer to a second trader who is an orderer, and second transaction information having a first settlement amount. Means for storing second transaction information having a second settlement amount to be paid from a first trader to a first trader who is a contractor, and a cancel instruction for the first transaction information and the second transaction information When the first settlement amount and the second settlement amount are equal to each other, the two settlement amounts are offset, the first transaction information and the second transaction information are set as paid, and the storage means is updated. When the first settlement amount is not equal to the second settlement amount, the transaction information having the smaller settlement amount is paid, and the settlement amount of the transaction information having the larger settlement amount is set to the first settlement amount and the second settlement amount.
An electronic commerce system having processing means for updating the storage means so as to obtain the difference between the settlement amounts.

Further, the present invention is characterized by a storage medium storing the above processing means in the form of a program.

[0011]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS One embodiment of the present invention will be described below with reference to the drawings.

FIG. 1 is a configuration diagram of an electronic commerce system according to an embodiment of the present invention.

The present system comprises a server 11 and transaction information terminals 12a, 12b, 12c and 12d connected to the server 11 via the network 15 and serving as clients (hereinafter, it is not necessary to distinguish individual transaction information terminals). Is referred to as the transaction information terminal 12 with the subscript omitted).

The transaction information terminal 12 is installed in a company or the like that conducts commercial transactions using the present system, and transmits and receives transaction information to and from the transaction information terminal 12 provided for the partner who conducts transactions. The transaction information is relayed by the server 11 and transmitted from the transaction information terminal 12 of the transmission source to the transaction information terminal 12 of the transmission destination. For example, from the transaction information terminal 12a to the transaction terminal 12
When the transaction information is sent to the transaction information terminal d, the transaction information transmitted from the transaction information terminal 12a is temporarily received by the server 11, and then transmitted from the server 11 to the transaction terminal 12d. In addition, the server 11 relays the transaction information related to ordering, receiving orders, paying, and the like of the product passed between the transaction information terminals 12 through the exchange of the transaction information between the transaction information terminals 12 as described above. Based on this, a transaction information database that can be referred to during work from ordering / ordering to settlement completion is created and updated to manage the settlement status.

The transaction information terminal 12 is constituted by an information processing device such as a personal computer. The functions required for the transaction information terminal 12 to conduct a commercial transaction with another transaction information terminal 12 via the server 11 are performed by an application program (A) executed by the information processing apparatus.
P).

The server 11 is an information processing device such as a personal computer, a workstation, or a mainframe computer. As the network 15, the Internet that can be used between a plurality of trading parties, a dedicated line provided by a VAN company, or the like can be used.

FIG. 2 is a block diagram showing a functional configuration of the server 11. The transaction information database 21 is stored in the server 1
It is provided on a storage device connected to one processing device, and stores data on transaction information across a plurality of transaction information terminals 12 based on order data and order data exchanged between transaction information terminals 12.

The offset management unit 24 develops the record into a record format suitable for settlement based on the order data, and stores the record in the transaction information database 21. Also, the corresponding record in the transaction information database 21 is deleted or updated according to the payment information and the offset instruction.

The search unit 27 searches the transaction information database 21 in response to an inquiry request from the transaction information terminal 12,
This is a processing unit that acquires a corresponding record. Editing unit 28
Is a processing unit that edits the transaction data acquired by the search unit 27 and creates transaction status data.

The transmission / reception unit 22 receives the transaction information and the inquiry request sent from the transaction information terminal 12, relays the transaction information to another transaction information terminal, and controls transmission of transaction status data. The transmission / reception unit 22 sends the received transaction information to the offset management unit 24 and sends an inquiry request to the search unit 27.

The transmission / reception unit 22, the offset management unit 24,
The functions of the search unit 27 and the editing unit 28 can be realized as software function modules. Such a functional module by software is stored as a program on a storage medium alone or together with a functional module for realizing other functions of the server 11 necessary for conducting a business transaction between the transaction information terminals 12, The data is read or transmitted to the main storage device of the server 11 and executed by the processing device.

FIG. 3 is a view showing an example of order data transmitted from the ordering side of the product to the order receiving side in the transaction information transmitted and received between the transaction information terminals 12. Order data includes the product number to identify the product to order, the unit price for that product,
It includes the quantity, the amount, the delivery date indicating the delivery date of the product, the orderer, and a transaction number (transaction identifier) for specifying the transaction.

FIG. 4 is a view showing an example of order data sent from the order receiving side of a product to the ordering side among the transaction information transmitted and received between the transaction information terminals 12. The order data includes the product number, unit price, quantity, amount, delivery date, settlement date when payment is made, settlement amount, transaction conditions, orderer, orderer and transaction number to identify the party who received the order. I have.

As the orderer and the order receiver, the transaction information terminal 1
The name of a company or the like who owns 2 or identification information such as a member number or an identifier assigned to the company in the system can be used. The format of the transaction information can be based on a standard format such as CII syntax rules and EDIFACT. Further, the transaction number and the product number are unified according to the unified standard of the code system between the parties performing the commercial transactions.

FIG. 5 shows the transaction information terminal 12 to the server 11
It is a figure showing an example of data of payment information transmitted to.

The payment information includes an orderer number, a transaction number, an orderer, a contractor, and a payment amount.

FIG. 6 is a data structure diagram showing the structure of the transaction data stored in the transaction information database 21. The transaction data shows the settlement schedule of the transaction in the order of the settlement date of each transaction. Each record includes a settlement date 40, a settlement amount 41, a transaction number 42, a transaction date 43, an orderer (payment) 44, a contractor (receipt) 45, a product number 46, a delivery date 47, a unit price 48, a quantity 49, and a transaction amount 50. , Transaction conditions 51 and offsetting status 52. Transaction information database 21
Has a data format that is particularly suitable for the offset processing, but is useful data for grasping the state of the payment amount between the orderer 44 and the order receiver 45 regardless of whether the offset processing is performed. It has a format.

The settlement date 40 is a settlement date (transfer date) of a transaction determined between the transaction parties. The settlement amount 41 is information indicating the amount to be settled on the day specified by the settlement date 40, and is usually the order amount determined at the time of receiving the order. The transaction number 42 is a serial number for identifying an individual transaction agreed between the parties who conduct the commercial transaction. The ordering party (payment) 44 and the order receiving party (receiving) 45 are information for specifying the ordering party and the order receiving party who have performed the business transactions, respectively, and include the ordering data, the ordering party included in the order receiving data, and the order receiving order. Is equivalent to a person. The product number 46 is an identifier of a product traded in a transaction established between the trading parties. Delivery 47
Is the delivery date of the product. The unit price 48, the quantity 49, and the transaction amount 50 are transaction contents when the transaction is established. The transaction conditions 51 are information indicating conditions such as the settlement date and the number of payments. For example, when using standard settlement conditions between parties,
"Within 30 days after receiving the product", "End of the next month after receiving the product",
“At the time of product receipt”, “At the time of product contract conclusion”, “After product receipt 2”
Within a week ". There is also a transaction method in which payment is divided into a plurality of times. The offset state 52 is a flag indicating whether or not the offset processing has been completed, that is, a state of the application.
In the example of FIG. 6, offset between companies or enterprise groups is “completed”, and unfinished offset is “not completed”.

In FIG. 6, the record 55 indicates that the transaction date of the transaction with the transaction number PS001 is August 20, and that the company A, which is the ordering party, will receive 6 million yen from the ordering company A to the order receiving company B on October 25. Indicates that the payment will be made.

When the settlement in the commercial transaction is performed in a divided manner, for example, as shown in a record 56 and a record 57, a record is formed for each transaction with the same transaction number for each settlement date, and the transaction conditions 51 Information indicating the number of payment divisions, the number of payments, and the like is set as the transaction condition.

FIG. 7 is a diagram showing an example of a table stored in the storage device of the server 11 and used when checking the credit limit of transaction information. The credit limit record includes an orderer, a credit limit, an alarm value, and a settlement date. In this example, the alarm value is the credit limit of 8
It is set to 0%. The credit limit, the alarm value, and the settlement date can be set for each orderer and orderer in the corporate group. The first record indicates that the orderer is A, the credit limit is 300 million yen, the alarm value is 240 million yen, and the settlement date is 25th of each month.

FIG. 8 is a flowchart showing the flow of the process of the offset management unit 24 of the server 11. Offset management unit 24
Receives the transaction information from the transaction information terminal 12 via the transmission / reception unit 22 (step 60), and refers to the credit limit amount table to determine whether the transaction amount related to the orderer or contractor included in the transaction information is within the credit limit amount. (Step 6
1). If the credit limit is exceeded (step 61N
O), the process ends. If it is within the credit limit (step 61 YES), it is determined whether or not the alarm value has been exceeded (step 62). If the alarm value has been exceeded (step 62 YES), the offset management unit 24 notifies the transaction information terminal 12 that transmitted the transaction information of the alarm information (step 63), and proceeds to step 64.

Next, the offset management unit 24 searches the transaction information database 21 using the transaction number included in the transaction information as a key (step 64), and determines whether the transaction information is new transaction information not registered in the transaction information database 21. Is determined (step 65). If it is not registered in the transaction information database 21 (step 65YES), it is regarded as new order information, a record of the transaction information database 21 is created, and registered as the last record of the transaction information database 21 (step 66). To end. At this time, the settlement date 40, the settlement amount 41, the contractor 45 and the transaction conditions 51 are left blank, and the transaction date 43 is set to the server 11
Is the day on which the order information was received, and “OFF” is set in the offset status 52.

If the transaction information is registered in the transaction information database 21 (step 65 NO), and if it is order information (step 67 order), the existing order information is updated and the transaction information database 21 is updated (step 68). . The settlement date 40, the settlement amount 41, the contractor 45, and the transaction condition 51 of the order information are input as data, and the transaction date 43, the delivery date 47, the unit price 48, the quantity 49, and the transaction amount 50 are updated. The created records are inserted into the transaction information database 21 in the order of the settlement date 40. In the case of installment payment, records are divided by the number of divisions, and each record is
0 is inserted into the transaction information database 21 in the order of 0.

If the transaction information is payment information (payment in step 67), the orderer, orderer and payment amount in the payment information and the orderer 44, orderer 45 and settlement amount 41 in the existing order information are each one. If so, the record is deleted from the transaction information database 21 (step 69).

If the transaction information is a cancellation instruction (step 6)
7) offsetting the settlement amount 41 between the orderer 44 and the order receiving party 45 for the records of the specified two or more transaction numbers (step 70), and the offsetting status of the corresponding record in the transaction information database 21. 52 is updated to "finished" (step 71). Any remaining unpaid balance will be based on the record that resulted in the remaining balance,
A record in which the settlement amount 41 is updated to the remaining payment amount is created and registered in the transaction information database 21 (step 7).
2). To offset the settlement amount 41 of the two transaction records, the orderer 44 of the first record is equal to the orderer 45 of the second record and the orderer 44 of the second record is the orderer of the first record. Since it is equal to 45, the difference between the settlement amount 41 of both records is obtained. If the difference is 0, the offset status 52 of both records is updated to “finished”. If the difference is not 0, the offsetting status of the record having the smaller settlement amount 41 is 5
Then, the settlement amount 41 of the record having the larger settlement amount 41 is updated to the difference between the two settlement amounts 41. The record 52 having the larger settlement amount 41 may have been settled, and a record in which the settlement amount 41 of the record having the larger settlement amount 41 is updated to the difference between the two settlement amounts 41 may be added. When canceling the settlement amounts 41 of two or more transaction records, the above-described offset processing is performed on the two transaction records, and two transaction records are selected from the remaining transaction records that have not been paid and the offset processing is performed. Then, the process is repeated until the offset status 52 of all transaction records is completed or the settlement amount 41 of only one transaction record is unpaid as a remaining balance.

FIG. 9 is a flowchart showing a flow of a response process of the server 11 when receiving a transaction status inquiry request from the transaction information terminal 12. The search unit 27 is the transmission / reception unit 22
(Step 81), the transaction information database 21 is searched to extract a record in which the requested company is the orderer 44 or the orderer 45 (step 82). ). If a settlement date is specified as a search condition, a record of the designated settlement date is extracted. The editing unit 28 edits the extracted transaction information (step 83), and transmits the transaction status data to the transaction information terminal 12 of the inquiry source via the transmission / reception unit 22 (step 84).

FIG. 10 is a diagram showing an example of transaction status data displayed on the display device of the transaction information terminal 12. As shown in FIG. The transaction information terminal 12 displays the transaction status data received from the server 11 on the specified settlement date separately into order data and order data.

FIG. 11 is a diagram showing an example of data of the status of payment and receipt displayed on the display device of the transaction information terminal 12. From each record of the transaction status data specified on the settlement date received from the server 11, the orderer 44 and the orderer 4
5 and the settlement amount 41 are extracted, and the same amount between the paying company and the receiving company as B to A is summed up. The status of payment / receipt during is displayed.
It is known from this matrix that, for example, if the amount of payment from B to A of 22.5 M $ and the amount of payment from A to B of 6 M $ are offset, the remaining amount of payment from B to A is 16.5 M $. The editing unit 28 of the server 11 may create this matrix and transmit it to the transaction information terminal 12.

FIG. 12 is a diagram showing an example of data of transaction status data displayed on the display device of the transaction information terminal 12 when giving an offset instruction. When the offset process is selected, the transaction information terminal 12 extracts a record in which the offset status 52 is not yet included in the transaction status data on the same settlement date, extracts a data item related to the offset, and displays the data item on the display device. indicate. When two or more records are instructed, the transaction information terminal 12 transmits the transaction numbers of these records and the offset instruction to the server 11.

[0041]

As described above, according to the present invention, since a transaction information database in which order data and order data corresponding to the order data are compiled as one transaction information is created, electronic commerce which is easy to settle between companies is provided. System can be provided. Further, since the transaction information database is centrally managed, each company and the like can grasp the status of transactions between companies without independently managing the status of the transactions, and the burden on each company can be reduced. Further, the transaction information database can be used to execute the offsetting process, thereby reducing the work of each company such as issuing a transaction slip and bank transfer, and reducing transaction costs and realizing efficient commercial transactions.

[Brief description of the drawings]

FIG. 1 is a configuration diagram of an electronic commerce system according to an embodiment.

FIG. 2 is a block diagram illustrating a functional configuration of a server 11 according to the embodiment.

FIG. 3 is a diagram showing an example of order data from an ordering side to an order receiving side.

FIG. 4 is a diagram showing an example of order data from an order receiving side to an order receiving side.

FIG. 5 is a diagram illustrating a data example of payment information.

FIG. 6 is a diagram showing a data configuration of a transaction information database 21 of the embodiment.

FIG. 7 is a diagram illustrating an example of credit limit data.

FIG. 8 is a flowchart illustrating a flow of processing of the offset management unit 24 according to the embodiment.

FIG. 9 is a flowchart illustrating a flow of a transaction status inquiry process according to the embodiment.

FIG. 10 is a diagram showing a display example of transaction status data.

FIG. 11 is a diagram showing a display example of the status of payment / reception between companies.

FIG. 12 is a diagram illustrating a display example when a cancellation instruction is given.

[Explanation of symbols]

11: server, 12: transaction information terminal, 21: transaction information database, 24: offset management unit

Claims (5)

[Claims] A storage means for storing a plurality of transaction information including a transaction identifier, an orderer identifier, an orderer identifier, and a settlement amount to be paid from the orderer to the orderer, and a storage means for storing the transaction information when the order data is received. Processing means for registering the transaction information in which an identifier and an orderer's identifier are set in the storage means;
An electronic commerce system comprising: means for updating the storage means so as to set an identifier of a contractor and the settlement amount in the transaction information when receiving order data for the transaction information having the same transaction identifier. 2. When a trader inquires about the transaction status,
Processing means for retrieving transaction information on the storage means to extract transaction information whose trader identifier matches one of the orderer's identifier and the orderer's identifier, and to transmit to the inquiry-source trader The electronic commerce system according to claim 1, further comprising: 3. First trade information having a first settlement amount to be paid from a first trader who is an orderer to a second trader who is an orderer, and a second trader being an orderer. Storage means for storing second transaction information having a second settlement amount to be paid to a first transaction person who is a contractor, and an instruction to offset the first transaction information and the second transaction information. When the first settlement amount and the second settlement amount are equal to each other, the two settlement amounts are cancelled, the first transaction information and the second transaction information are paid, and the storage means is updated. When the amount is not equal to the second settlement amount, the transaction information having the smaller settlement amount is paid, and the settlement amount of the transaction information having the larger settlement amount is set as the first settlement amount and the second settlement amount. Processing means for updating the storage means so as to obtain the difference between the two. Commerce system. 4. A program embodied on a computer-readable storage medium, the program comprising the following functions: (a) transaction information having an identifier of a transaction and an identifier of an orderer when receiving order data; And (b) when the order data is received for the transaction information having the same transaction identifier, the storage information is set so as to set the identifier of the contractor and the settlement amount included in the order data in the transaction information. Ability to update means. 5. A program embodied on a computer-readable storage medium, the program including the following functions: (a) a first trader who is an orderer to a second trader who is an order receiver;
The first transaction information having the first settlement amount to be paid to the first trader and the second transaction information having the second settlement amount to be paid from the second trader as the orderer to the first trader as the orderer. 2
(B) when the first transaction information and the second transaction information are instructed to cancel each other, and when the first settlement amount and the second settlement amount are equal, A function of canceling the amount and updating the storage means as having paid the first transaction information and the second transaction information, and (c) small when the first settlement amount and the second settlement amount are not equal. A function of updating the storage means such that the transaction information having the larger settlement amount is paid, and the settlement amount of the transaction information having the larger settlement amount is set to the difference between the first settlement amount and the second settlement amount.