TWM523927U - Advance payment integrated settlement system - Google Patents

Description

Advance payment clearing system

This creation is about a kind of advance receipt clearing system, especially for a kind of reconciliation amount that integrates various advance receipt amounts and generates prepayment amount according to the corresponding trust percentage, trust time and requisition conditions and its retrieval. The prepayments at the time are integrated with the clearing system.

At present, the purchase of virtual goods or physical goods such as vouchers, food vouchers, vouchers or memberships has been generally used in the public life. When consumers purchase goods, the merchants need to accept the goods according to the trust method corresponding to the goods. The trust is in the trust account. However, due to the complexity of the purchase of goods and the variety of payment methods, the corresponding trust methods are also very diverse.

However, since the same merchant may sell virtual goods and physical products, it needs to calculate the amount of advance receipt according to the corresponding trust method, and the amount of the return and the time of the return, which leads to the diversification and complexity of the prepayment clearing operation.

In view of the above-mentioned problems of the prior art, the purpose of the present invention is to provide a pre-payment integrated clearing system to solve the problems to be improved.

According to the purpose of the present invention, a pre-payment integrated clearing system is proposed, which comprises a plurality of trust entry devices and an integrated clearing device. A plurality of trust entry devices receive the consumption amount, and each trust entry device corresponds to a trust percentage, a trust time, and a lead back condition. The integrated clearing device calculates the amount of the advance payment based on the percentage of the trust corresponding to the amount of the trust and the amount of the trust received by the trusting device, and generates the amount of the received amount and the time of the return according to the corresponding trust time and the retrieving condition.

Preferably, the amount of the advance payment may be the amount of consumption multiplied by the trust percentage.

Preferably, when the repurchase amount is the performance requisition amount and the retrieving time is the performance time point, the trust vouchers corresponding to the consumption amount can be returned after the write-off, and the performance retrievable amount can be the corresponding consumption. The amount of the advance receipt of the amount.

Preferably, when the amount of the repurchase is the expiration of the repurchase amount, and the retrieving time is the expiration time, if the amount of the trust advance payment exceeds the corresponding trust time, the retraction amount may be retrieved. The full amount of the return can be the amount of the advance receipt.

Preferably, when the amount of the retrieved amount is a plurality of instalment requisition amount, and the retrieving time point is a plurality of instalment time points, the trust voucher corresponding to the consumption amount is written off, and the corresponding staged retrieving back can be retrieved according to each instalment time point. The sum of the amount and the number of the multiple instalments can be the amount of the advance receipt.

Preferably, the retrieving condition may include performance, over trust time, staging, or a combination thereof.

Preferably, the plurality of trust entry devices comprise a gift certificate prepayment trust device, a member prepayment trust device, a stored value prepayment trust device, a living contract prepayment trust device or a combination thereof.

As stated above, the pre-receipt integrated clearing system of this creation calculates the amount of advance receipt by integrating the clearing device, and generates the amount of the return and the time of the lead according to the trust percentage, the trust time and the retrieving condition; Achieve the purpose of simplifying the efficiency of clearing prepayments.

This creation is in conjunction with the drawings, and is described in detail in the following examples; the drawings used therein are for illustrative and supplementary purposes only, and may not be true proportions and precise configurations after the implementation of the creation. Interpretation of the ratio and configuration relationship of the attached drawings, and limiting the scope of the rights of the creation in actual implementation, are described in advance.

Please refer to Figure 1, which is a block diagram of the pre-payment integrated clearing system for this creation. As shown, the pre-payment integrated clearing system 100 of the present invention includes a plurality of trust entry devices 110 and an integrated clearing device 120. The plurality of trust accounting devices 110 and the integrated clearing device 120 may be connected by wire or wirelessly.

Continuing, a plurality of trust entry devices 110 are configured to receive the amount of consumption paid by the consumer after the consumption, and each trust entry device 110 corresponds to each consumption type or item, and then each trust entry device 110 corresponds to a trust percentage. , trust time and return conditions.

The integrated clearing device 120 calculates the amount of the advance payment according to the amount of trust corresponding to the amount of the trust and the trust account receiving device 110, and generates the amount of the received amount according to the corresponding trust time and the requisition condition. And when you get back.

In addition, the amount of advance receipt = the amount of consumption x the percentage of trust.

Please refer to Figure 2 again, which is the flow block diagram of the pre-payment integrated clearing system for this creation. As shown in the figure, when the trust entry device is the gift voucher prepayment trust device 111, the corresponding trust percentage 1011 is 100%, the corresponding trust time 1021 is 365 days, and the corresponding retrieving condition 1031 is performance and exceeds the trust. Time 1021; further, the integrated clearing device 120 calculates, according to the trust percentage 1011, the amount of the advance payment corresponding to the consumption amount received by the coupon voucher trust device 111, since the trust percentage 1011 is 100%, the prepayment amount is equal to the consumption amount; The integrated clearing device 120 then generates the full amount of the advance receipt amount according to the trust time 1021 and the retrieving condition 1031, and the return amount is the time when the returning time is the consumer's performance or the 365 days are not fulfilled. Take back.

When the trust entry device is the member advance payment trust device 112, the corresponding trust percentage 1012 is 100%, the corresponding trust time 1022 is 365 days, and the corresponding retrieval condition 1032 is the staged retrieval; further, the integrated clearing device 120 calculates the amount of the advance payment corresponding to the consumption amount received by the member advance receipt trust device 112 according to the trust percentage 1012. Since the trust percentage 1012 is 100%, the advance payment amount is equal to the consumption amount; the integrated clearing device 120 is further based on the trust time. 1022 and Retrieval Conditions 1032 The repurchase amount of the pre-receipt amount is the point of each period after the performance (such as monthly or yearly), and each period can receive part of the amount of advance receipt.

When the trust entry device is the stored value prepayment trust device 113, the corresponding trust percentage 1013 is 100%, the corresponding trust time 1023 is not limited, and the corresponding retrieval condition 1033 is the performance; and further, the clearing device 120 is integrated. According to the trust percentage 1013, the amount of the advance payment corresponding to the consumption amount received by the stored value prepayment trust device 113 is calculated. Since the trust percentage 1013 is 100%, the advance payment amount is equal to the consumption amount; the integrated clearing device 120 is based on the trust time. 1023 and the return condition 1033 The amount of the repayment amount of the advance receipt is the full amount of the advance receipt, and the time when the return is the consumer's performance.

When the trust entry device is the pre-debt prepayment trust device 114, the corresponding trust percentage 1014 is 75%, the corresponding trust time 1024 is not limited, and the corresponding retrieving condition 1034 is the performance; and further, the clearing device 120 is integrated. According to the trust percentage 1014, the amount of the advance payment corresponding to the consumption amount received by the pre-deposit contract prepayment trust device 114 is calculated. Since the trust percentage 1014 is 75%, the advance payment amount is equal to 75% of the 75 consumption amount, and the other 25% is consumed. The amount is directly taken by the store; the integrated clearing device 120 generates the full amount of the advance receipt amount according to the trust time 1024 and the retrieving condition 1034, and the time when the return is the consumer's performance.

By arranging the above examples, if the requisition condition is performance, the repurchase amount is the performance reimbursement amount. When the requisition time is the performance time point, the trust vouchers corresponding to the consumption amount can be returned to the performance contract after being written off (performance). The amount of the retrievable amount can be the total amount of the advance receipt of the corresponding consumption amount; if the retrieving condition is more than the trust time, the retrieving amount is the expiration date, and the retrieving time is the expiration time. If the amount of the advance payment of the trust exceeds the corresponding trust time, the amount of the repurchase will be retrieved. The amount of the reimbursement may be the total amount of the advance receipt; if the requisition condition is the requisition, the retrievable amount will be recovered. For a number of instalments to receive the amount, when the return time is a plurality of instalment time points, the trust certificate corresponding to the consumption amount is written off (performance), and then the corresponding instalment retrievable amount can be retrieved according to each time point, a plurality of The sum of the instalments can be the total amount of advance receipts.

In other words, the retrieving condition may include performance, excess trust time, instalment retrieving or a combination thereof; in addition, the plurality of trust accounting devices 110 include a gift voucher prepayment trust device, a member prepayment trust device, and a stored value prepayment Trust devices, pre-debt prepayment trust devices or combinations thereof, and even more, a plurality of trust accounting devices 110 also include charitable trusts, pre-sale real estate development trusts, pre-sales house gold trusts, securities trusts, investments Financial trusts, insurance funds trusts, employee welfare trusts, real estate trusts, mutual trust funds, trust fund collection management accounts, financial asset securitization, etc. However, the foregoing is merely illustrative of the present invention and should not be construed as limiting.

As stated above, the pre-receipt integrated clearing system of this creation calculates the amount of advance receipt by integrating the clearing device, and generates the amount of the return and the time of the lead according to the trust percentage, the trust time and the retrieving condition; Achieve the purpose of simplifying the efficiency of clearing prepayments.

Looking at the above, the pre-receipt integrated clearing system of this creation is beyond the reach of the prior art, and it has indeed achieved the desired effect, and it is not familiar with the skill of the artist, and its progress is easy. Applicability, obviously has met the application requirements of the patent, and filed a patent application according to law. You are requested to approve the creation of a patent application for this article, in order to encourage creation, to the sense of virtue.

100‧‧‧Pre-payment integrated clearing system
1091, 1012, 1013, 1014‧‧‧% of trust
1021, 1022, 1023, 1024‧‧‧ Trust time
1031, 1032, 1033, 1034‧‧‧Receive conditions
110‧‧‧trust entry device
111‧‧‧ Gift Certificate Advance Payment Trust
112‧‧‧Members of prepayments trust
113‧‧‧ stored value prepayments trust device
114‧‧‧Life contract prepayments trust device
120‧‧‧Integrated clearing device

Figure 1 is a block diagram of the pre-payment integrated clearing system for this creation. Figure 2 is a block diagram of the process of the pre-payment integrated clearing system for this creation.

100‧‧‧Pre-payment integrated clearing system

110‧‧‧trust entry device

120‧‧‧Integrated clearing device

Claims (7)

A pre-payment integrated clearing system, comprising: a plurality of trust entry devices, which receive a consumption amount, each of the trust entry devices corresponding to a trust percentage, a trust time and a lead-back condition; and an integrated clearing The device calculates a prepayment amount according to the consumption amount and the trust percentage corresponding to the trust entry device receiving the consumption amount, and generates the advance payment amount according to the corresponding trust time and the retrieving condition. One to receive the amount and one to receive the time. For example, the prepayments integrated clearing system described in claim 1 is wherein the amount of the advance receipt is the amount of the purchase multiplied by the trust percentage. For example, the prepayments integration clearing system described in item 1 of the patent application scope, wherein when the requisition amount is a performance requisition amount, and the retrieving time point is a performance time point, one of the corresponding amount of the trust vouchers After the write-off, the amount of the performance receipt can be retrieved, and the amount of the performance receipt is the amount of the advance receipt corresponding to the amount of consumption. For example, the prepayments integration clearing system mentioned in item 1 of the patent application scope, wherein when the retrieved amount is the full reimbursement amount, the retrieving time is the one-time full-time point, if the trust receives the advance payment If the amount of time exceeds the corresponding trust time, the amount of the repurchase will be retrieved, and the amount of the reimbursement will be the amount of the advance receipt. For example, the prepayments integration clearing system described in item 1 of the patent application scope, wherein when the retrieving amount is a plurality of instalment requisition amounts, and the retrieving time is a plurality of instalment time points, one of the corresponding consumption amounts After the trust certificate is written off, the corresponding amount of the instalment can be retrieved according to the time of the instalment, and the sum of the plurality of instalments is the amount of the advance receipt. For example, the prepayments integrated clearing system described in claim 1 of the patent scope, wherein the retrieving condition includes performance, excess trust time, instalment, or a combination thereof. The prepayments integration clearing system as described in claim 1, wherein the plurality of trust entry devices comprise a gift voucher prepayment trust device, a member prepayment trust device, a stored value prepayment trust device, and a living Contract advance payment trust device or a combination thereof.