Classifications

• • G—PHYSICS
  • G06—COMPUTING; CALCULATING OR COUNTING
  • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
  • G06Q20/00—Payment architectures, schemes or protocols
  • G06Q20/08—Payment architectures
  • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• • G—PHYSICS
  • G06—COMPUTING; CALCULATING OR COUNTING
  • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
  • G06Q20/00—Payment architectures, schemes or protocols
  • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• • G—PHYSICS
  • G06—COMPUTING; CALCULATING OR COUNTING
  • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
  • G06Q20/00—Payment architectures, schemes or protocols
  • G06Q20/08—Payment architectures
  • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
  • G06Q20/102—Bill distribution or payments

Definitions

• This invention relates to an electronic system for managing payments and a method for managing payments actuated by a computer or a network of computers.
• the aim of the invention is therefore to overcome the above-mentioned drawbacks and to satisfy the above-mentioned need by providing an electronic system for managing payments between various subjects and a method actuated by means of a computer for the electronic management of the payments.
• FIG. 1 is a schematic view of the system according to the invention.
• FIG. 1 is a schematic view of an operating flow actuated by the method and by the system for managing the payments according to the invention.
• the numeral 1 denotes an electronic system for managing payments between different economic (corporate) subjects. Detailed description of preferred embodiments of the invention
• economic subjects means any entity or organisation which is legally able to issue or accept invoices (more generally, payment requests).
• the invention relates to an electronic system 1 for managing and executing payments between different economic subjects (A,B,C,D,E,F,G,H), comprising:
• At least one computer 2 equipped with a database 3, a processing unit 4, and a module for receiving payment data, and configured for:
• the functions performed by the computer 2 might be carried out by a network of computers.
• the database 3 may be a single database or it may be a distributed database.
• the payment requests relating to the various economic subjects (A,B,C,D,E,F,G,H) containing at least one economic value which is the object of the payment request, a payment date, a creditor of said economic subjects (A,B,C,D,E,F,G,H) and a debtor of said economic subjects (A,B,C,D,E,F,G,FI) are defined by digital data (for example, files of an type and extension).
• said digital data are defined by invoices made in the form of electronic files of any type and extension.
• Figure 1 illustrates, in more detail, the operating flow actuated by the system 1 according to the invention, which is described in more detail below.
• the computer 2 is configured to generate, at predetermined intervals, lists of sequences arranged in terms of time of payments to be executed (by the computers of the interbank network), in such a way that the list of payments generated at a predetermined date minimises the payment execution requests having a payment date equal to (or before) the predetermined date and which cannot be transmitted to the interbank computer network for the available balance of a bank account of the debtor which is insufficient for the payment at said predetermined date.
• the list generated attempts to reduce or delete the payment requests not performed at a predetermined date.
• the system 1 attempts to make the payments at the precise deadline date, thus maximising the advantages for all the parties involved (the creditor receives the money at the due date, the debtor pays exactly at the due date).
• the computer 2 is configured for generating, at predetermined intervals, lists of sequences arranged in terms of time of payments to be executed, using a path finding algorithm.
• the weights of this algorithm are dynamic weights.
• the list of payments which is sent to be executed on the computers (B1 , B2, B3, B4,B5,B6) of a network of computers is certain to be executed, that is, there is no risk that a transaction on the list cannot be executed due to “lack of funds" on the current account associated with a debtor of one of the transactions on the list.
• the computer 2 is configured to send an electronic notification of “insufficient balance” to at least one electronic address (e.g. e-mail, phone no., IP address) associated with the creditor and/or with the debtor if the outcome of the check of an available balance at least at one computer (B1 ,B2,B3,B4,B5,B6) of the interbank computer network corresponds, at the date associated with the payment request, to a balance less than the value of the payment request.
• electronic address e.g. e-mail, phone no., IP address
• both the creditor and the debtor are notified that the balance is insufficient for the payment so that the parties involved can take the necessary measures (for example, increasing the balance of the current account by the debtor, shifting the payment deadlines if the two parties consider it appropriate, etc.).
• this prevents a payment from not being processed at the date predetermined between the parties (and corresponding to the invoice).
• the computer 2 is configured for adding a payment delay to at least one payment to be executed corresponding to a payment request, and for checking that said delay does not determine an execution of the payment beyond the payment date associated with the payment request.
• said payment delay advantageously ensures that between one payment (for example, the first) and the next (for example, the second) there is certainty of execution: in fact, the delay ensures that when the second payment is transmitted to the calculators of the interbank network the first has without doubt been executed by the interbank network.
• the additional payment delay makes it possible to compensate for any technical delays linked to the execution of the payments / transmission of information between the computers.
• the computer 2 is configured to exclude a predetermined payment request from the list of payments to be executed at a predetermined date if said delay determines an execution of the payment associated with the predetermined payment request beyond the predetermined date associated with the payment request.
• the computer 2 comprises a writing module, configured to generate a request for writing at least one of said lists of payment sequences arranged in terms of time and/or a payment requests received in a database 5 with a distributed architecture of the distributed ledger type.
• said distributed architecture database 5 is of the blockchain type.
• said payment requests consist of electronic files defining invoices.
• the invention also relates to a method actuated by a computer 2 (or network of computers) for the management and execution of payments between various economic subjects (A,B,C,D,E,F,G,H), with said method comprising:
• a list is generated daily of an arranged time sequence of payments to be executed on the date corresponding to said day, with said list containing a unique identification code of each payment request and a time of execution of the payment request.
• said list contains a sequence of payments to be executed in a predetermined time arrangement, according to increasing time instants.
• the method comprise a step of assigning a predetermined time delay between a predetermined payment and the next one on the list, which is sufficient to guarantee the execution of the payment by the computers (B1 ,B2,B3,B4,B5,B6) of the interbank computer network.
• said time delay has a predetermined length of time.
• the method comprises the step of generating, at predetermined intervals, lists of time sequences of payments to be executed, comprises a step of generating sequences of payments to be executed, on the basis of the value of the balance of the subjects involved in the transactions as creditors and/or debtors, in such a way that the list of payments generated at a certain interval minimises the requests for execution of payments outstanding due to an insufficient balance of the debtor, that is to say, which cannot be transmitted for the execution of the payments to the computers (B1 ,B2,B3,B4,B5,B6) of the interbank computer network within the payment date associated with the request itself.
• the invention also relates to a computer product which can be loaded in a memory of at least one calculator and comprising portions of software code for performing the steps of the method according to the accompanying claims, described above.

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• Business, Economics & Management (AREA)
• Accounting & Taxation (AREA)
• Finance (AREA)
• Engineering & Computer Science (AREA)
• Strategic Management (AREA)
• Physics & Mathematics (AREA)
• General Business, Economics & Management (AREA)
• General Physics & Mathematics (AREA)
• Theoretical Computer Science (AREA)
• Development Economics (AREA)
• Economics (AREA)
• Computer Security & Cryptography (AREA)
• Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

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Publications (1)

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Citations (2)

• 2019
  • 2019-12-16 IT IT102019000024120A patent/IT201900024120A1/it unknown
• 2020
  • 2020-12-14 WO PCT/IB2020/061898 patent/WO2021124074A1/en active Application Filing

Patent Citations (2)

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