System for managing inter-company settlement and the method therefor

• US 20030014362A1
• Filed: 08/13/2002
• Published: 01/16/2003
• Est. Priority Date: 02/15/2000
• Status: Abandoned Application

• Current Assignee: Shinhan Bank (Singapore Branch) (Shinhan Financial Group Company Limited)
• Original Assignee: Shinhan Bank (Singapore Branch) (Shinhan Financial Group Company Limited)
• Inventors: Yim, Dong Lyun
• Application Number:
  US10/203,824
• Publication Number:
  US 20030014362A1
• Time in Patent Office: Days
• US Class Current: 705/40
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

The present invention relates to a system for managing inter-company settlement and the method therefor. Whenever an event for managing specifics of the purchase price payment or for requesting prepayment of the purchase price, etc., arises in the purchaser'"'"'s telecommunication client or the seller'"'"'s telecommunication client, the present invention coordinates the price management server, the authentication module, the module for managing specifics of the purchase price payment, the module for managing recovery of pre-paid money and the account management module to systematically execute the step of managing specifics of the purchase price payment and the step of managing prepayment of the purchase price, etc. Thus, the present invention enables various purchaser and seller companies to form reliable settlement relationships among them, using the on-line network. According to the present invention, the purchase price that a purchaser company must pay is pre-paid through the bank on-line network. As a result, the purchaser company may conveniently build a settlement relationship with the seller company without incurring separate expenses. Ultimately, the present invention greatly increases the reliability of the settlement system among purchaser companies and seller companies and, thus, minimizes economic damage caused by any chain bankruptcy of companies involved.

Claims

1. An inter-company settlement management system comprising:

a D/B block equipped with an authentication information database (“

D/B”

) containing authentication information, a purchase price payment statement information D/B containing purchase price payment statement information, a loan prepayment information D/B containing loan prepayment information, a credit card purchase price prepayment information D/B containing information on the purchase price prepayment by credit card, and a registration information D/B containing registration information about the relevant purchaser companies and seller companies;

a D/B management server which stores the said authentication information, purchase price payment statement information, loan prepayment information, credit card purchase price prepayment information or registration information selectively in the relevant field of the said D/B block, or extracts the relevant information from the said D/B block;

a payment management server which;

in a state connected to the said D/B management server for telecommunication, determines whether to store or extract the said authentication information, purchase price payment statement information, loan prepayment information, credit card purchase price prepayment information, and registration information about the relevant purchaser companies and seller companies;

interfaces with the telecommunication clients of the purchaser company and the seller companies through the bank on-line network; and

if an event for management of the purchase price payment statement and an event of requesting the purchase price prepayment arises in telecommunication clients of a purchaser company and a seller company, analyzes the said authentication information, purchase price payment statement information, loan prepayment information, credit card purchaser price prepayment information, registration information about the purchaser company and the seller company, prepays the purchase price that the relevant purchaser company must pay to the seller company, and collects, on line, the amount equivalent to the said prepaid amount from the purchaser company after a predetermined period of time passes.

2. The inter-company settlement management system according to claim 1, wherein the said bank on-line network is any network among the Internet, an automatic response system communication network, a value added network or a public switched telephone network.

3. The inter-company settlement management system according to claim 1, wherein the said payment management server further forms a telecommunication relationship with the purchase price payment statement management module which is exclusively responsible for managing the purchase price payment statements transmitted from the said purchaser company'"'"'s telecommunication client.

4. The inter-company settlement management system according to claim 1, wherein the said payment management server further forms a telecommunication relationship with the prepayment collection management module which is exclusively responsible for managing the prepaid amount to be collected from the said purchaser company.

5. The inter-company settlement management system according to claim 1, wherein the said payment management server further forms a telecommunication relationship with the account management module which is exclusively responsible for managing the designated accounts of the said purchaser companies and the said seller companies.

6. An inter-company settlement management method comprising the steps of:

determining whether a system access event has occurred from either a purchaser company'"'"'s telecommunication client or a seller company'"'"'s telecommunication client;

in the event that a system access event has occurred from either a purchaser company'"'"'s telecommunication client or a seller company'"'"'s telecommunication client, determining, through the connected client, whether the connected company is a registered company;

in the event that the said connected company is determined to be a registered company, determining whether the said registered company is a purchaser company;

in the event that the said registered company is determined to be a purchaser company, generating an initial page for a purchaser company and transmitting the completed initial page for a purchaser company to the telecommunication client of the said purchaser company;

determining whether an event for managing the purchase price payment statement has occurred from the said purchaser company'"'"'s telecommunication client; and

,

in the event that an event for managing the purchaser price payment statement has occurred from the said purchaser company'"'"'s telecommunication client, referring to the purchase price payment statement information transmitted from the said purchaser company'"'"'s telecommunication client and conducting a series of steps for managing the purchaser price payment statement.

7. The inter-company settlement management method according to claim 6, wherein the said steps for managing the purchase price payment statement comprise the steps of:

determining whether an event of the account receivable statement transmission has occurred from the telecommunication client of the said purchaser company;

in the event that an event of the account receivable statement transmission has occurred from the said telecommunication client of the purchaser company, transmitting to the said purchaser company'"'"'s telecommunication client an account receivable information input message for the inputting of the details regarding the relevant accounts receivable;

determining whether the account receivable information corresponding to the said account receivable information input message has been transmitted from the said purchaser company'"'"'s telecommunication client;

in the event that the account receivable information corresponding to the said account receivable information input message has been transmitted from the said purchaser company'"'"'s telecommunication client, determining whether the inputted information regarding the account receivable statement is acceptable; and

, in the event that the said inputted account receivable information is determined to be acceptable, collecting and storing the account receivable statement information transmitted from the said purchaser company'"'"'s telecommunication client.

8. The inter-company settlement management method according to claim 7, further comprising the steps of:

in the event that the said event is not for the account receivable statement transmission, transmitting to the said purchaser company'"'"'s telecommunication client a credit card purchase statement input message for the inputting of the details regarding the said purchaser company'"'"'s credit card purchase;

determining whether the credit card purchase information corresponding to the said credit card purchase statement input message has been transmitted from the said purchaser company'"'"'s telecommunication client;

in the event that the credit card purchase information corresponding to the said credit card purchase statement input message has been transmitted from the said purchaser company'"'"'s telecommunication client, determining whether the inputted information regarding the credit card purchase is acceptable; and

,

in the event that the said inputted credit card purchase information is determined to be acceptable, collecting and storing the credit card purchase statement information transmitted from the said purchaser company'"'"'s telecommunication client.

9. The inter-company settlement management method according to claim 6, further comprising the steps of:

in the event that the relevant company is determined to be a seller company, generating an initial page for a seller company and transmitting the completed initial page for a seller company to the telecommunication client of the said seller company;

determining whether an event of requesting the sales amount prepayment has occurred from the said seller company'"'"'s telecommunication client; and

,

in the event that an event of requesting the sales prepayment has occurred from the said seller company'"'"'s telecommunication client, referring to the sales amount prepayment request information transmitted from the said seller company'"'"'s telecommunication client and conducting a series of steps for the sales amount prepayment.

10. The inter-company settlement management method according to claim 9, wherein the said steps for the sales amount prepayment comprise the steps of:

determining whether an event of the loan request based upon the account receivable statement has occurred from the telecommunication client of the said seller company;

in the event that an event of the loan request based upon the account receivable statement has occurred from the said telecommunication client of the seller company, transmitting to the said seller company'"'"'s telecommunication client a loan request information input message for the inputting of the details regarding the loan request;

determining whether the loan request information corresponding to the said loan request information input message has been transmitted from the said seller company'"'"'s telecommunication client;

in the event that the loan request information corresponding to the said loan request information input message has been transmitted from the said seller company'"'"'s telecommunication client, determining whether the requested loan amount recorded in the said loan request information does not exceed the predetermined credit balance amount; and

,

in the event that the said requested loan amount recorded in the said loan request information does not exceed the predetermined credit balance amount, conducting a series of steps to make the prepayment of the said requested loan amount.

11. The inter-company settlement management method according to claim 10, further comprising the steps of:

in the event that the said event is not for the loan request, transmitting to the said seller company'"'"'s telecommunication client a credit card sales statement input message for the inputting of the details regarding the said seller company'"'"'s credit card sales;

determining whether the credit card sales information corresponding to the said credit card sales statement input message has been transmitted from the said seller company'"'"'s telecommunication client;

in the event that the credit card sales information corresponding to the said credit card sales statement input message has been transmitted from the said seller company'"'"'s telecommunication client, determining whether the credit card sales amount recorded in the said credit card sales information does not exceed the predetermined credit balance amount; and

,

in the event that the credit card sales amount recorded in the said credit card sales information does not exceed the predetermined credit balance amount, conducting a series of steps to make the prepayment of the requested credit card sales amount.

12. The inter-company settlement management system according to claim 6, after conducting the said steps for managing the purchaser price payment statement, further comprising the steps of:

determining whether there is any item among the purchase price payment statement that is due on the present day; and

in the event that there is an item among the purchase price payment statement that is due on the present day, checking the designated account of the purchaser company which issued the said due purchase price payment statement and conducting a series of steps for managing the purchase price settlement.

13. The inter-company settlement management system according to claim 12, wherein the said steps for managing the purchase price settlement comprise the steps of:

determining whether the said item that is due on the present day is subject to the prepayment collection;

in the event that the said due item is subject to the prepayment collection, determining whether the said item subject to the prepayment collection is an item subject to the collection of the loan prepayment based upon the account receivable statement;

in the event that the said due item is subject to the collection of the loan prepayment based upon the account receivable statement, determining whether the amount deposited in the said purchaser company'"'"'s designated account is not less than the amount of the loan prepayment; and

in the event that the amount deposited in the said purchaser company'"'"'s designated account is not less than the amount of the loan prepayment, collecting the said amount of the loan prepayment from the amount deposited in the said purchaser company'"'"'s designated account and depositing in the seller company'"'"'s designated account the relevant balance amount of the purchase price after the deduction of the said amount of the loan prepayment.

14. The inter-company settlement management method according to claim 13, further comprising the step of declaring the said seller company in default in the event that the amount deposited in the said purchaser company'"'"'s designated account is less than the said amount of the loan prepayment.

15. The inter-company settlement management method according to claim 13, further comprising the steps of:

in the event that the said item subject to the prepayment collection is not an item subject to the recollection of the loan prepayment based upon the account receivable statement, determining whether the amount deposited in the said purchaser company'"'"'s designated account is not less than the amount of the credit card purchase price prepayment;

in the event that the said amount deposited in the said purchaser company'"'"'s designated account is not less than the amount of the credit card purchase price prepayment, collecting the said amount of the credit card purchase price prepayment from the amount deposited in the said purchaser company'"'"'s designated account and depositing the relevant balance amount of the purchase price after the deduction of the amount of the said credit card purchase price prepayment in the seller company'"'"'s designated account.

16. The inter-company settlement management method according to claim 15, further comprising the step of declaring the said purchaser company in default in the event that the amount deposited in the said purchaser company'"'"'s designated account is less than the amount of the said credit card purchase price prepayment.