Method for managing buyer transactions and settlements using communication network between computers, and method for relaying information following buyer consumption trends to the buyer

• US 8,688,555 B2
• Filed: 12/23/2010
• Issued: 04/01/2014
• Est. Priority Date: 04/26/2000
• Status: Active Grant

• Current Assignee: Computer Applications Company Limited
• Original Assignee: Computer Applications Company Limited
• Inventors: Uehara, Tsuyoshi, Murakami, Masaharu
• Primary Examiner(s): Lemieux, Jessica
• Application Number:
  US12/977,691
• Publication Number:
  US 20110093388A1
• Time in Patent Office: 1,195 Days
• Field of Search: 705/35
• US Class Current: 705/35
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/14 specially adapted for billing systems
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0251 Targeted advertisements
• CPC Class Codes: G06Q 30/04 Billing or invoicing
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

It is an object of the present invention to enable a buyer to collectively manage information related to a variety of commercial transactions performed by the buyer as well as to the settlements for these transactions. The calendar server 25 supplies a calendar screen to a buyer system 3 that is used by the buyer 1. This calendar screen has electronic invoices addressed to the buyer 1, which are issued by the supplier system 7, and electronic deposit/withdrawal detailed statement of the buyer'"'"'s deposit account, which are issued by a banking system 13, pasted in the spaces for the relevant dates. When the buyer 1 selects an arbitrary invoice on this calendar screen and inputs his or her approval of this invoice, an account transfer telegraphic message for payment of this invoice is automatically sent to the banking system 13. The calendar server 25 manages the status of each invoice (“opened”, “payment request in progress”, “paid”), and notifies the supplier system 7 and banking system 13 of this invoice status. The calendar server 25 also supplements news such as advertisements which are sent by the supplier system 7 and banking system 13, and so forth, selects news following the buyer'"'"'s consumption trends, and pastes this news in the spaces on the calendar screen which pertain to dates that slightly precede dates on which buyer consumption other forms without departing from the spirit of the present invention.

Claims

1. A method for use in a system that includes a server, a supplier system, a buyer system, a first account management system (FAMS), and a second account management system (SAMS), the method comprising:

receiving, by the server, an electronic invoice from the supplier system;

registering, by the server, the electronic invoice associated with an identification (ID) code in a database; and

transmitting, by the server, a transfer request message associated with the ID code to the FAMS based on an approval of the electronic invoice by the buyer,

wherein the FAMS is configured to execute payment to the SAMS using the ID code, in response to receipt by the FAMS of the transfer request message;

wherein the SAMS is configured to send an electronic deposit statement associated with the ID code to at least one of the server and the supplier system, the electronic deposit statement indicating that payment has been received at the SAMS,

wherein at least one of the supplier system and the server is configured to associate the ID code with the electronic invoice, and

wherein at least one of the supplier system and the server is configured to settle the electronic invoice that is paid, using the ID code associated with the electronic deposit statement.

2. The method of claim 1, further comprising:

receiving, by the server, the electronic deposit statement from the SAMS, and

settling, by the server, the electronic invoice using the ID code associated with the electronic deposit statement.

3. The method of claim 1, further comprising:

receiving, by the server, the electronic deposit statement from the SAMS, and

settling, by the server, the electronic invoice using only the ID code associated with the electronic deposit statement.

4. The method of claim 1,

wherein the supplier system is a computer system used by a supplier,

wherein the buyer system is a computer system used by a buyer,

wherein the FAMS is configured to manage an account of the buyer, and

wherein the SAMS is configured to manage an account of the supplier.

5. The method of claim 1, wherein at least the supplier system is configured to settle the electronic invoice, using the ID code.

6. The method of claim 5, further comprising:

receiving, by the server, the electronic deposit statement from the SAMS, and

sending, by the server, the electronic deposit statement to the supplier system.

7. The method of claim 1, wherein the approval is approval of making a payment for the electronic invoice.

8. The method of claim 1, wherein the FAMS is configured to execute payment to the SAMS together with the ID code by directly transferring money from the FAMS to the SAMS or by indirectly transferring the money from the FAMS to the SAMS.

9. The method of claim 1, wherein the electronic invoice received by the server is generated by the supplier system.

10. The method of claim 1, wherein the ID code associated with the electronic invoice is generated by the supplier system.

11. The method of claim 1, further comprising,

transmitting, by the server, information that defines a Graphical User Interface (GUI) screen to the buyer system to show the contents of the electronic invoice, and

receiving, by the server, the approval of the electronic invoice by the buyer.

12. The method of claim 1, further comprising,

creating, by the server, the transfer request message associated with the ID code based on the approval of the electronic invoice by the buyer, and

wherein the created a transfer request message associated with the ID code is transmitted to the FAMS.

13. The method of claim 2,

wherein the electronic deposit statement associated with the ID code sent by the server to the supplier system defines the result of the server'"'"'s settlement, and

wherein the supplier system is configured to receive the electronic deposit statement associated with the ID code from the server and settle the electronic invoice using the ID code associated with the electronic deposit statement received from the server.

14. The method of claim 1, wherein at least the supplier system is configured to associate the ID code with the electronic invoice.

15. The method of claim 14, wherein the electronic invoice received from the supplier system is associated with the ID code.

16. The method of claim 1, wherein settling the electronic invoice is changing a status of the electronic invoice associated with a same ID code as the ID code associated with the electronic deposit statement, to a predetermined status.

17. The method of claim 1, wherein the ID code identifies the electronic invoice from a plurality of electronic invoices issued by the supplier system.

18. A server configured for operation in a system that includes the server, a supplier system, a buyer system, a first account management system (FAMS), and a second account management system (SAMS), the server comprising:

circuitry configured to receive an electronic invoice from the supplier system,

circuitry configured to register the electronic invoice associated with an identification (ID) code in a database; and

circuitry configured to transmit a transfer request message associated with the ID code to the FAMS based on an approval of the electronic invoice by the buyer,

wherein the FAMS is configured to execute payment to the SAMS using the ID code, in response to receipt by the FAMS of the transfer request message;

wherein the SAMS is configured to send an electronic deposit statement associated with the ID code to at least one of the server and the supplier system, the electronic deposit statement indicating that payment has been received at the SAMS,

wherein one of the supplier system and the server is configured to associate the ID code with the electronic invoice, and

wherein at least one of the supplier system and the server is configured to settle the electronic invoice that is paid, using the ID code associated with the electronic deposit statement.

19. The server of claim 18, further comprising:

circuitry configured to receive the electronic deposit statement from the SAMS, and

circuitry configured to settle the electronic invoice using the ID code associated with the electronic deposit statement.

20. The server of claim 18, further comprising:

circuitry configured to receive the electronic deposit statement from the SAMS, and

circuitry configured to settle the electronic invoice using only the ID code associated with the electronic deposit statement.

21. The server of claim 18,

wherein the supplier system is a computer system used by a supplier,

wherein the buyer system is a computer system used by a buyer,

wherein the FAMS is configured to manage an account of the buyer, and

wherein the SAMS is configured to manage an account of the supplier.

22. The server of claim 18, wherein at least the supplier system is configured to settle the electronic invoice, using the ID code.

23. The server of claim 22, further comprising:

circuitry configured to receive the electronic deposit statement from the SAMS, and

circuitry configured to send the electronic deposit statement to the supplier system.

24. The server of claim 18, wherein the approval is approval of making a payment for the electronic invoice.

25. The server of claim 18, wherein the FAMS is configured to execute payment to the SAMS together with the ID code by directly transferring money from the FAMS to the SAMS or by indirectly transferring the money from the FAMS to the SAMS.

26. The server of claim 18, wherein the electronic invoice received by the server is generated by the supplier system.

27. The server of claim 18, wherein the ID code associated with the electronic invoice is generated by the supplier system.

28. The server of claim 18, further comprising,

circuitry configured to transmit information that defines a Graphical User Interface (GUI) screen to the buyer system to show the contents of the electronic invoice, and

circuitry configured to receive the approval of the electronic invoice by the buyer.

29. The server of claim 18, further comprising,

circuitry configured to create the transfer request message associated with the ID code based on the approval of the electronic invoice by the buyer, and

wherein the created a transfer request message associated with the ID code is transmitted to the FAMS.

30. The server of claim 19,

wherein the electronic deposit statement associated with the ID code sent by the server to the supplier system defines the result of the server'"'"'s settlement, and

wherein the supplier system is configured to receive the electronic deposit statement associated with the ID code from the server and settle the electronic invoice using the ID code associated with the electronic deposit statement received from the server.

31. The server of claim 18, wherein at least the supplier system is configured to associate the ID code with the electronic invoice.

32. The server of claim 31, wherein the electronic invoice received from the supplier system is associated with the ID code.

33. The server of claim 18, wherein settling the electronic invoice is changing a status of the electronic invoice associated with a same ID code as the ID code associated with the electronic deposit statement, to a predetermined status.

34. The server of claim 18, wherein the ID code identifies the electronic invoice from a plurality of electronic invoices issued by the supplier system.

49. The server of claim 31, wherein the electronic invoice received from the supplier system is associated with the ID code.

35. A server configured for operation in a system that includes the server, a supplier system, a buyer system, a first account management system (FAMS), and a second account management system (SAMS), the server comprising:

an interface; and

a processor coupled to the interface,

wherein the processor is configured to;

receive, via the interface, an electronic invoice from the supplier system;

register the electronic invoice associated with an identification (ID) code in a database; and

transmit, via the interface, a transfer request message associated with the ID code to the FAMS based on an approval of the electronic invoice by the buyer;

wherein the FAMS is configured to execute payment to the SAMS using the ID code, in response to receipt by the FAMS of the transfer request message;

wherein the SAMS is configured to send an electronic deposit statement associated with the ID code to at least one of the server and the supplier system, the electronic deposit statement indicating that payment has been received at the SAMS,

wherein at least one of the supplier system and the server is configured to associate the ID code with the electronic invoice, and

wherein at least one of the supplier system and the server is configured to settle the electronic invoice that is paid, using the ID code associated with the electronic deposit statement.

36. The server of claim 35,

wherein the processor is configured to receive, via the interface, the electronic deposit statement from the SAMS, and

wherein the processor is configured to settle the electronic invoice using the ID code associated with the electronic deposit statement.

37. The server of claim 35,

wherein the processor is configured to receive, via the interface, the electronic deposit statement from the SAMS, and

wherein the processor is configured to settle the electronic invoice using only the ID code associated with the electronic deposit statement.

38. The server of claim 35,

wherein the supplier system is a computer system used by a supplier,

wherein the buyer system is a computer system used by a buyer,

wherein the FAMS is configured to manage an account of the buyer, and

wherein the SAMS is configured to manage an account of the supplier.

39. The server of claim 35, wherein at least the supplier system is configured to settle the electronic invoice, using the ID code.

40. The server of claim 39, further comprising:

wherein the processor is configured to receive, via the interface, the electronic deposit statement from the SAMS, and

wherein the processor is configured to send, via the interface, the electronic deposit statement to the supplier system.

41. The server of claim 35, wherein the approval is approval of making a payment for the electronic invoice.

42. The server of claim 35, wherein the FAMS is configured to execute payment to the SAMS together with the ID code by directly transferring money from the FAMS to the SAMS or by indirectly transferring the money from the FAMS to the SAMS.

43. The server of claim 35, wherein the electronic invoice received by the server is generated by the supplier system.

44. The server of claim 35, wherein the ID code associated with the electronic invoice is generated by the supplier system.

45. The server of claim 35, further comprising,

wherein the processor is configured to transmit, via the interface, information that defines a Graphical User Interface (GUI) screen to the buyer system to show the contents of the electronic invoice, and

wherein the processor is configured to receive, via the interface, the approval of the electronic invoice by the buyer.

46. The server of claim 35, further comprising,

wherein the processor is configured to create the transfer request message associated with the ID code based on the approval of the electronic invoice by the buyer, and

wherein the created a transfer request message associated with the ID code is transmitted to the FAMS.

47. The server of claim 36,

wherein the electronic deposit statement associated with the ID code sent by the server to the supplier system defines the result of the server'"'"'s settlement, and

wherein the supplier system is configured to receive the electronic deposit statement associated with the ID code from the server and settle the electronic invoice using the ID code associated with the electronic deposit statement received from the server.

48. The server of claim 35, wherein at least the supplier system is configured to associate the ID code with the electronic invoice.

50. The server of claim 35, wherein settling the electronic invoice is changing a status of the electronic invoice associated with a same ID code as the ID code associated with the electronic deposit statement, to a predetermined status.

51. The server of claim 35, wherein the ID code identifies the electronic invoice from a plurality of electronic invoices issued by the supplier system.

52. A non-transitory computer-readable storage medium having stored thereon instructions which, when executed by a processor in a server, cause the server to perform a method for processing an electronic invoice,

wherein the server is configured for operation in a system that includes the server, a supplier system, a buyer system, a first account management system (FAMS), and a second account management system, (SAMS), the method comprising:

receiving, by the server, an electronic invoice from the supplier system;

registering, by the server, the electronic invoice associated with an identification (ID) code in a database; and

transmitting, by the server, a transfer request message associated with the ID code to the FAMS based on an approval of the electronic invoice by the buyer,

wherein the FAMS is configured to execute payment to the SAMS using the ID code, in response to receipt by the FAMS of the transfer request message;

wherein the SAMS is configured to send an electronic deposit statement associated with the ID code to at least one of the server and the supplier system, the electronic deposit statement indicating that payment has been received at the SAMS,

wherein at least one of the supplier system and the server is configured to associate the ID code with the electronic invoice, and

wherein at least one of the supplier system and the server is configured to settle the electronic invoice that is paid, using the ID code associated with the electronic deposit statement.

53. The non-transitory computer-readable storage medium of claim 52, the method further comprising:

receiving, by the server, the electronic deposit statement from the SAMS, and

settling, by the server, the electronic invoice using the ID code associated with the electronic deposit statement.

54. The non-transitory computer-readable storage medium of claim 52, the method further comprising:

receiving, by the server, the electronic deposit statement from the SAMS, and

settling, by the server, the electronic invoice using only the ID code associated with the electronic deposit statement.

55. The non-transitory computer-readable storage medium of claim 52,

wherein the supplier system is a computer system used by a supplier,

wherein the buyer system is a computer system used by a buyer,

wherein the FAMS is configured to manage an account of the buyer, and

wherein the SAMS is configured to manage an account of the supplier.

56. The non-transitory computer-readable storage medium of claim 52, wherein at least the supplier system is configured to settle the electronic invoice, using the ID code.

57. The non-transitory computer-readable storage medium of claim 56, the method further comprising:

receiving, by the server, the electronic deposit statement from the SAMS, and

sending, by the server, the electronic deposit statement to the supplier system.

58. The non-transitory computer-readable storage medium of claim 52, wherein the approval is approval of making a payment for the electronic invoice.

59. The non-transitory computer-readable storage medium of claim 52, wherein the FAMS is configured to execute payment to the SAMS together with the ID code by directly transferring money from the FAMS to the SAMS or by indirectly transferring the money from the FAMS to the SAMS.

60. The non-transitory computer-readable storage medium of claim 52, wherein the electronic invoice received by the server is generated by the supplier system.

61. The non-transitory computer-readable storage medium of claim 52, wherein the ID code associated with the electronic invoice is generated by the supplier system.

62. The non-transitory computer-readable storage medium of claim 52, thee method further comprising,

transmitting, by the server, information that defines a Graphical User Interface (GUI) screen to the buyer system to show the contents of the electronic invoice, and

receiving, by the server, the approval of the electronic invoice by the buyer.

63. The non-transitory computer-readable storage medium of claim 52, the method further comprising,

creating, by the server, the transfer request message associated with the ID code based on the approval of the electronic invoice by the buyer,

wherein the created a transfer request message associated with the ID code is transmitted to the FAMS.

64. The non-transitory computer-readable storage medium of claim 53,

wherein the electronic deposit statement associated with the ID code sent by the server to the supplier system defines the result of the server'"'"'s settlement.

wherein the supplier system is configured to receive the electronic deposit statement associated with the ID code from the server and settle the electronic invoice using the ID code associated with the electronic deposit statement received from the server.

65. The non-transitory computer-readable storage medium of claim 52, wherein at least the supplier system is configured to associate the ID code with the electronic invoice.

66. The non-transitory computer-readable storage medium of claim 65, wherein the electronic invoice received from the supplier system is associated with the ID code.

67. The non-transitory computer-readable storage medium of claim 52, wherein settling the electronic invoice is changing a status of the electronic invoice associated with a same ID code as the ID code associated with the electronic deposit statement, to a predetermined status.

68. The non-transitory computer-readable storage medium of claim 52, wherein the ID code identifies the electronic invoice from a plurality of electronic invoices issued by the supplier system.

69. A method for use in a system that includes a server, a supplier system, a buyer system, a first account management system (FAMS) and a second account management system (SAMS), the method comprising:

transmitting, by the supplier system, an electronic invoice to the server;

receiving, by the supplier system from the server or the SAMS, an electronic deposit statement associated with an identification (ID) code, the electronic deposit statement indicating that payment has been received at the SAMS from the FAMS in response to the FAMS receiving a transfer request message associated with the ID code from the server or the buyer system based on an approval of the electronic invoice by the buyer, the ID code associated with the electronic invoice; and

settling, by the supplier system, the electronic invoice that is paid, using the ID code associated with the electronic deposit statement.

70. The method of claim 69, wherein settling the electronic invoice, by the supplier system, is performed using only the ID code associated with the electronic deposit statement.

71. The method of claim 69,

wherein the supplier system is a computer system used by a supplier,

wherein the buyer system is a computer system used by a buyer,

wherein the FAMS is configured to manage an account of the buyer, and

wherein the SAMS is configured to manage an account of the supplier.

72. The method of claim 69, wherein the approval is approval of making a payment for the electronic invoice.

73. The method of claim 69, wherein the FAMS is configured to execute payment to the SAMS together with the ID code by directly transferring money from the FAMS to the SAMS or by indirectly transferring the money from the FAMS to the SAMS.

74. The method of claim 69, further comprising,

generating, by the supplier system, the electronic invoice.

75. The method of claim 69, further comprising,

generating, by the supplier system, the ID code associated with the electronic invoice.

76. The method of claim 69, wherein the server or the buyer system is configured to create and transmit the transfer request message associated with the ID code to FAMS.

77. The method of claim 69, wherein the electronic deposit statement received by the supplier system from the server is an electronic deposit statement received by the server from the SAMS.

78. The method of claim 69, wherein the electronic deposit statement received by the supplier system from the server defines the result of the server'"'"'s settling the electronic invoice using the ID code associated with the electronic invoice received by the server from the SAMS.

79. The method of claim 69, wherein the server is configured to transmit information that defines a Graphical User Interface (GUI) screen to the buyer system to show the contents of the electronic invoice, and receive the approval of the electronic invoice by the buyer.

80. The method of claim 69, further comprising,

associating, by the supplier system, the ID code with the electronic invoice, before receiving the electronic deposit statement from the server or the SAMS.

81. The method of claim 80, wherein the electronic invoice transmitted to the server is associated with the ID code.

82. The method of claim 69, wherein settling the electronic invoice is changing a status of the electronic invoice associated with a same ID code as the ID code associated with the electronic deposit statement, to a predetermined status.

83. The method of claim 69, wherein the ID code identifies the electronic invoice from a plurality of electronic invoices issued by the supplier system.

84. A supplier system for operation in a system that includes a server, the supplier system, a buyer system, a first account management system (FAMS) and a second account management system (SAMS), the supplier system comprising:

circuitry configured to transmit an electronic invoice to the server;

circuitry configured to receive, from the server or the SAMS, an electronic deposit statement associated with an identification (ID) code, the electronic deposit statement indicating that payment has been received at the SAMS from the FAMS in response to the FAMS receiving a transfer request message associated with the ID code from the server or the buyer system based on an approval of the electronic invoice by the buyer, the ID code associated with the electronic invoice; and

circuitry configured to settle the electronic invoice that is paid, using the ID code associated with the electronic deposit statement.

85. The supplier system of claim 84, wherein settling the electronic invoice is performed using only the ID code associated with the electronic deposit statement.

86. The supplier system of claim 84,

wherein the supplier system is a computer system used by a supplier,

wherein the buyer system is a computer system used by a buyer,

wherein the FAMS is configured to manage an account of the buyer, and

wherein the SAMS is configured to manage an account of the supplier.

87. The supplier system of claim 84, wherein the approval is approval of making a payment for the electronic invoice.

88. The supplier system of claim 84, wherein the FAMS is configured to execute payment to the SAMS together with the ID code by directly transferring money from the FAMS to the SAMS or by indirectly transferring the money from the FAMS to the SAMS.

89. The supplier system of claim 84, further comprising,

circuitry configured to generate the electronic invoice.

90. The supplier system of claim 84, further comprising,

circuitry configured to generate the ID code associated with the electronic invoice.

91. The supplier system of claim 84, wherein the server or the buyer system is configured to create and transmit the transfer request message associated with the ID code to FAMS.

92. The supplier system of claim 84, wherein the electronic deposit statement received from the server is an electronic deposit statement received by the server from the SAMS.

93. The supplier system of claim 84, wherein the electronic deposit statement received from the server defines the result of the server'"'"'s settling the electronic invoice using the ID code associated with the electronic invoice received by the server from the SAMS.

94. The supplier system of claim 84, wherein the server is configured to transmit information that defines a Graphical User Interface (GUI) screen to the buyer system to show the contents of the electronic invoice, and receive the approval of the electronic invoice by the buyer.

95. The supplier system of claim 84, further comprising,

circuitry configured to associate the ID code with the electronic invoice, before the electronic deposit statement is received from the server or the SAMS.

96. The supplier system of claim 84, wherein the electronic invoice transmitted to the server is associated with the ID code.

97. The supplier system of claim 84, wherein settling the electronic invoice is changing a status of the electronic invoice associated with a same ID code as the ID code associated with the electronic deposit statement, to a predetermined status.

98. The supplier system of claim 84, wherein the ID code identifies the electronic invoice from a plurality of electronic invoices issued by the supplier system.

99. A supplier system for operation in a system that includes a server, the supplier system, a buyer system, a first account management system (FAMS) and a second account management system (SAMS), the supplier system comprising:

an interface; and

a processor coupled to the interface,

wherein the processor is configured to;

transmit, via the interface, an electronic invoice to the server;

receive, via the interface, from the server or the SAMS, an electronic deposit statement associated with an identification (ID) code, the electronic deposit statement indicating that payment has been received at the SAMS from the FAMS in response to the FAMS receiving a transfer request message associated with the ID code from the server or the buyer system based on an approval of the electronic invoice by the buyer, the ID code associated with the electronic invoice; and

settle the electronic invoice that is paid, using the ID code associated with the electronic deposit statement.

100. The supplier system of claim 99, wherein settling the electronic invoice is performed using only the ID code-associated with the electronic deposit statement.

101. The supplier system of claim 99,

wherein the supplier system is a computer system used by a supplier,

wherein the buyer system is a computer system used by a buyer,

wherein the FAMS is configured to manage an account of the buyer, and

wherein the SAMS is configured to manage an account of the supplier.

102. The supplier system of claim 99, wherein the approval is approval of making a payment for the electronic invoice.

103. The supplier system of claim 99, wherein the FAMS is configured to execute payment to the SAMS together with the ID code by directly transferring money from the FAMS to the SAMS or by indirectly transferring the money from the FAMS to the SAMS.

104. The supplier system of claim 99, wherein the processor is configured to generate the electronic invoice.

105. The supplier system of claim 99, wherein the processor is configured to generate the ID code associated with the electronic invoice.

106. The supplier system of claim 99, wherein the server or the buyer system is configured to create and transmit the transfer request message associated with the ID code to FAMS.

107. The supplier system of claim 99, wherein the electronic deposit statement received from the server is an electronic deposit statement received by the server from the SAMS.

108. The supplier system of claim 99, wherein the electronic deposit statement received from the server defines the result of the server'"'"'s settling the electronic invoice using the ID code associated with the electronic invoice received by the server from the SAMS.

109. The supplier system of claim 99, wherein the server is configured to transmit information that defines a Graphical User Interface (GUI) screen to the buyer system to show the contents of the electronic invoice, and receive the approval of the electronic invoice by the buyer.

110. The supplier system of claim 99, wherein the processor is further configured to associate the ID code with the electronic invoice, before receiving the electronic deposit statement from the server or the SAMS.

111. The supplier system of claim 99, wherein the ID code identifies the electronic invoice from a plurality of electronic invoices issued by the supplier system.

112. The supplier system of claim 110, wherein the electronic invoice transmitted to the server is associated with the ID code.

113. The supplier system of claim 99, wherein settling the electronic invoice is changing a status of the electronic invoice associated with a same ID code as the ID code associated with the electronic deposit statement, to a predetermined status.

114. A non-transitory computer-readable storage medium having stored thereon instructions which, when executed by a processor in a supplier system, cause the supplier system to perform a method for processing an electronic invoice, wherein the supplier system in a system that includes a server, the supplier system, a buyer system, a first account management system (FAMS) and a second account management system (SAMS), the method comprising:

transmitting, by the supplier system, an electronic invoice to the server;

receiving, by the supplier system from the server or the SAMS, an electronic deposit statement associated with an identification (ID) code, the electronic deposit statement indicating that payment has been received at the SAMS from the FAMS in response to the FAMS receiving a transfer request message associated with the ID code from the server or the buyer system based on an approval of the electronic invoice by the buyer, the ID code associated with the electronic invoice; and

settling, by the supplier system, the electronic invoice that is paid, using the ID code associated with the electronic deposit statement.

115. The non-transitory computer-readable storage medium of claim 114, wherein settling the electronic invoice, by the supplier system, is performed using only the ID code associated with the electronic deposit statement.

116. The non-transitory computer-readable storage medium of claim 114,

wherein the supplier system is a computer system used by a supplier,

wherein the buyer system is a computer system used by a buyer,

wherein the FAMS is configured to manage an account of the buyer, and

wherein the SAMS is configured to manage an account of the supplier.

117. The non-transitory computer-readable storage medium of claim 114, wherein the approval is approval of making a payment for the electronic invoice.

118. The non-transitory computer-readable storage medium of claim 114, wherein the FAMS is configured to execute payment to the SAMS together with the ID code by directly transferring money from the FAMS to the SAMS or by indirectly transferring the money from the FAMS to the SAMS.

119. The non-transitory computer-readable storage medium of claim 114, wherein the method further comprising,

generating, by the supplier system, the electronic invoice.

120. The non-transitory computer-readable storage medium of claim 114, wherein the method further comprising,

generating, by the supplier system, the ID code associated with the electronic invoice.

121. The non-transitory computer-readable storage medium of claim 114, wherein the server or the buyer system is configured to create and transmit the transfer request message associated with the ID code to FAMS.

122. The non-transitory computer-readable storage medium of claim 114, wherein the electronic deposit statement received by the supplier system from the server is an electronic deposit statement received by the server from the SAMS.

123. The non-transitory computer-readable storage medium of claim 114, wherein the electronic deposit statement received by the supplier system from the server defines the result of the server'"'"'s settling the electronic invoice using the ID code associated with the electronic invoice received by the server from the SAMS.

124. The non-transitory computer-readable storage medium of claim 114, wherein the server is configured to transmit information that defines a Graphical User Interface (GUI) screen to the buyer system to show the contents of the electronic invoice, and receive the approval of the electronic invoice by the buyer.

125. The non-transitory computer-readable storage medium of claim 114, the method further comprising,

associating, by the supplier system, the ID code with the electronic invoice, before receiving the electronic deposit statement from the server or the SAMS.

126. The non-transitory computer-readable storage medium of claim 114, wherein the ID code identifies the electronic invoice from a plurality of electronic invoices issued by the supplier system.

127. The non-transitory computer-readable storage medium of claim 125, wherein the electronic invoice transmitted to the server is associated with the ID code.

128. The non-transitory computer-readable storage medium of claim 114, wherein settling the electronic invoice is changing a status of the electronic invoice associated with a same ID code as the ID code associated with the electronic deposit statement, to a predetermined status.