Fund settlement support system, method, and program

Abstract

To unitarily manage a fund settlement procedure on the basis of a workflow technology to grasp a whole aspect of fund settlement in association with a commercial transaction activity.SOLUTION: A fund settlement support system extracts a first fund movement identifier associated with deposit information in response to acquiring the deposit information to an account of a transaction entity, determines whether the first fund transfer identifier exists in a settlement condition list, when it is determined that it exists, reads one or more second fund transfer identifiers associated with the extracted first fund transfer identifier from the settlement condition list, and generates a remittance request at least on the basis of the read second fund transfer identifier. The fund settlement support system generates graphic information for being displayed on a transaction-based device on the a plurality of pieces of depositing / dispensing information. The graphic information visually indicates a flow of fund settlement between the transaction entity and a transaction partner. The flow of the fund settlement is displayed in association with schedule information and result information of the fund settlement.SELECTED DRAWING: Figure 9

Description

Technical Field

[0001] The present invention relates to a fund settlement support system, method, and program for centrally managing fund settlements associated with commercial transaction activities. More specifically, the present invention relates to a fund settlement support system, method, and program that automatically execute fund settlements when predetermined conditions are met for fund settlements associated with commercial transaction activities.

Background Art

[0002] Commercial transaction activities, also known as the flow of goods, are carried out by various trading entities (such as companies, individuals, local governments, etc.). Along with commercial transaction activities, trading entities conduct fund settlements such as deposit processing and withdrawal processing. For example, a company that manufactures a certain product sets a deposit schedule based on information such as when and how much money will be deposited from the trading partner who purchased the product, and performs deposit processing when the actual deposit is made. Alternatively, based on information such as when and how much money must be paid to the trading partner from whom raw materials were purchased, a remittance schedule is set, and withdrawal processing is carried out while checking the account balance.

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] Some trading entities were unable to fully grasp the scale and schedule of fund settlements due to a large number of products handled and many trading partners. For example, some trading entities were only grasped by a very small number of people, or there were no people who grasped the whole, and there were only people who grasped each part of the business.

[0005] In addition, although the trading entity has received invoice data from the counterparty and thus knows the purpose of funds, the amount, and the remittance destination, it has to manually request a withdrawal process after receiving a payment from another counterparty, resulting in complicated procedures.

[0006] However, there is no known system that can manage the fund settlement procedure through workflow management, nor is there a known system that can grasp the overall picture of the fund settlement associated with the commercial trading activities of each trading entity.

[0007] The present invention has been made to solve such problems, and an object thereof is to provide a fund settlement support system, method, and program that can centrally manage the fund settlement procedure based on workflow technology and can grasp the overall picture of the fund settlement associated with commercial trading activities.

Means for Solving the Problems

[0008] A fund settlement support system according to an aspect of the present invention extracts a first fund transfer identifier associated with the deposit information in response to acquiring deposit information for an account of a trading entity, determines whether the first fund transfer identifier exists in a settlement condition list, reads out one or more second fund transfer identifiers associated with the extracted first fund transfer identifier from the settlement condition list on the condition that the determination that it exists is made, generates a remittance request based on at least the one or more read second fund transfer identifiers and is configured as such.

Effects of the Invention

[0009] According to the present invention, a trading entity can centrally manage the fund settlement procedure based on workflow technology and can grasp the overall picture of the fund settlement associated with commercial trading activities.

Brief Description of the Drawings

[0010] A detailed understanding of the embodiments disclosed in this specification can be obtained from the following description, which is illustrated in connection with the accompanying drawings.

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Embodiments for Carrying Out the Invention

[0011] (Overall Configuration) FIG. 1 is a configuration diagram of an entire system including a fund settlement support system 10, a user terminal 11, a bank system 12, and a cryptocurrency management device 13 according to an embodiment of the present invention. The fund settlement support system 10 is communicably connected to the user terminal 11, the bank system 12, and the cryptocurrency management device 13. In FIG. 1, only one user terminal 11, one bank system 12, and one cryptocurrency management device 13 are shown, but there may be a plurality of these.

[0012] The fund settlement support system 10 stores information on the schedule and results of fund settlement associated with commercial transaction activities, and stores information on the designation of incoming funds that are preconditions for transfer processing and the conditions for performing transfer processing. In this specification, the terms "commercial transaction activity" and "commercial flow" are used interchangeably.

[0013] The fund settlement support system 10 can receive and store information on the schedule and results of fund settlement, as well as information on the execution conditions of fund settlement, from the user terminal 11. Alternatively, the fund settlement support system 10 can also receive information on the schedule and results of fund settlement from other systems (such as an invoice issuance system, a bank system, etc.).

[0014] The information on the schedule and results of fund settlement includes information on the schedule and results of incoming and outgoing funds in transactions with domestic or overseas trading partners. The information on the schedule and results of fund settlement can also handle information on fund transfers within a group of companies of the trading entity. The fund settlement support system 10 can handle not only Japanese yen but also foreign currencies and cryptocurrencies. The information on the execution conditions of fund settlement includes an identifier that identifies information on the preconditions for executing a transfer (for example, after confirming the incoming funds from Company XX scheduled on Month △ Day, execute the transfer process to Company △△, etc.).

[0015] The fund settlement support system 10 can provide one or more pieces of graphic information to the user terminal 11 based on the scheduled information and / or actual information of fund settlements associated with commercial transaction activities. The one or more pieces of graphic information visually provide the scheduled information and / or actual information of fund settlements to the transaction entity (user). The fund settlement support system 10 can display the desired information and provide an editable screen to the user terminal 11 in response to the pressing of any icon or arrow in the graphic information.

[0016] The fund settlement support system 10 can generate a fund transfer request based on the information on the execution conditions of fund settlements and transmit it to the bank system 12 and / or the cryptocurrency management device 13. The fund transfer request can include information such as the account information of the remitter, the account information of the payee, the transfer amount, and the transfer date. The account information of the remitter and the account information of the payee may be information on any bank account (for example, bank code, branch code, deposit type, account number) or information on the destination (address) of any cryptocurrency.

[0017] The user terminal 11 is any type of device operable in a wired or wireless environment and is a terminal used by the transaction entity. The user terminal 11 can access the fund settlement support system 10 via a network and perform operations as described in this specification.

[0018] The bank system 12 includes an accounting system and can perform transfer processing or transfer operations based on the fund transfer request received from the fund settlement support system 10. The bank system 12 can provide the information on the account balance and the deposit information to the fund settlement support system 10 based on the remaining balance inquiry request and the deposit information acquisition request from the fund settlement support system 10, respectively. In one embodiment of the present invention, the bank system 12 can receive the remaining balance inquiry request and the deposit information acquisition request via the API service of the bank and provide the balance information and the deposit information.

[0019] The cryptocurrency management device 13 is a device that stores transaction records (transactions) of any type of cryptocurrency. A transaction includes payer information and payee information, and after its reliability is verified (after approval), it is incorporated into the blockchain.

[0020] (System Configuration) Figure 2 is a system configuration diagram of the fund settlement support system 10 according to an embodiment of the present invention. As shown in Figure 2, the fund settlement support system 10 includes a control unit 101, a main memory unit 102, an auxiliary storage unit 103, an interface (IF) unit 104, and an output unit 105, which are interconnected by a bus 120 or the like, similar to a general computer. The fund settlement support system 10 includes a transaction entity master 106, a counterparty master 107, a business flow management DB 108, and a settlement condition list 109 in the form of files / databases or the like.

[0021] The control unit 101, also called a central processing unit (CPU), controls each component of the fund settlement support system 10 and performs data calculations, and also reads out various programs stored in the auxiliary storage unit 103 to the main memory unit 102 for execution. The main memory unit 102, also called a main memory, stores various received data, computer-executable instructions, and data after arithmetic processing by the instructions. The auxiliary storage unit 103 is a storage device represented by a hard disk drive (HDD) or the like, and stores data and programs long-term.

[0022] The embodiment of Figure 2 will describe an embodiment in which the control unit 101, the main memory unit 102, and the auxiliary storage unit 103 are provided inside the same computer. However, as another embodiment, the fund settlement support system 10 can be configured to realize parallel distributed processing by multiple computers by using a plurality of the control unit 101, the main memory unit 102, and the auxiliary storage unit 103. Also, as another embodiment, it is possible to set up a plurality of servers for the fund settlement support system 10 and make it an embodiment in which the plurality of servers share one auxiliary storage unit 103.

[0023] The IF unit 104 serves as an interface for transmitting and receiving data to and from other systems and devices, and also provides an interface for receiving various commands and input data (such as various masters and tables) from the system operator. The output unit 105 provides a display screen for displaying the processed data, printing means for printing the data, and the like.

[0024] The transaction entity master 106 stores information on transaction entities (such as enterprises, individuals, local governments, etc.) in commercial transaction activities. FIG. 3 is a diagram showing an example of the data structure of the transaction entity master 106 according to an embodiment of the present invention. The transaction entity master 106 can include a transaction entity ID 301, authentication information 302, transaction entity information 303, and account information 304, but is not limited to these data items and can also include other data items.

[0025] The transaction entity ID 301 is an identifier indicating the transaction entity. The authentication information 302 indicates the authentication information when the transaction entity uses the fund settlement support system 10. The fund settlement support system 10 according to the present invention can provide a two-step authentication function and / or a two-factor authentication function for the transaction entity. For example, after the transaction entity inputs an ID and a password via a PC, it can input a security code via a smartphone or select whether to log in via an app. For example, in addition to the normal password, the transaction entity can use a one-time password issued by the fund settlement support system 10 or other information known only to the user for authentication.

[0026] The transaction entity information 303 indicates information such as the name, location, and contact information of the transaction entity. The account information 304 indicates the bank account and / or cryptocurrency account (also referred to as the destination, address) used by the transaction entity for fund transfer.

[0027] Returning to FIG. 2 for further explanation. The counterparty master 107 stores information on counterparties associated with the transaction entity. FIG. 4 is a diagram showing an example of the data structure of the counterparty master 107 according to an embodiment of the present invention. The counterparty master 107 can include a transaction entity ID 301, a counterparty ID 401, counterparty information 402, and fund transfer destination information 403, but is not limited to these data items and can also include other data items.

[0028] The counterparty ID 401 is an identifier that identifies the counterparty associated with the transaction entity (transaction entity ID 301). The counterparty information 402 indicates information such as the name, location, and contact information of the counterparty. The fund transfer destination information 403 indicates the bank account and / or cryptocurrency account of the counterparty to which the funds are to be transferred.

[0029] Returning to FIG. 2 for further explanation. The business flow management DB 108 stores deposit and withdrawal information for each business flow management unit. FIG. 5 is a diagram showing an example of the data structure of the business flow management DB 108 according to an embodiment of the present invention. The business flow management DB 108 can include a transaction entity ID 301, a business flow management ID 501, a business flow management unit 502, a fund transfer ID 503, a counterparty ID 401, a deposit / withdrawal classification 504, a currency type 505, related account information 506, a planned deposit / withdrawal date 507, a planned deposit / withdrawal amount 508, an actual deposit / withdrawal date 509, and an actual deposit / withdrawal amount 510, but is not limited to these data items and can also include other data items.

[0030] The business flow management ID 501 is an identifier that identifies the business flow management, and the business flow management unit 502 indicates the business flow management unit. The business flow management unit is a concept that indicates the relationship of the flow of funds associated with the transaction entity. For example, it can indicate the sales revenue related to the monthly production of a certain product, the payment amount for raw material costs, and the respective counterparties. Other examples of the business flow management unit include the deposits and withdrawals of the current month associated with the current account of a certain branch of Bank A and the counterparties related thereto, the deposits and withdrawals of the current month for each department within the company and the counterparties related thereto, etc., and the unit that the transaction entity wants to manage can be set.

[0031] The fund transfer ID 503 is an identifier that identifies an individual fund transfer between a trading entity and its counterparty. The deposit / withdrawal classification 504 indicates whether it is a deposit or a withdrawal from the perspective of the trading entity. The currency type 505 indicates the type of currency for the deposit / withdrawal (e.g., Japanese yen, US dollar, euro, any cryptocurrency, etc.). The relevant account information 506 is the account information for the deposit / withdrawal. For example, when a deposit is made into the trading entity's account, it indicates the trading entity's account information 304. When the trading entity remits money to the counterparty, it indicates the trading entity's account information 304 as the remitting source and the fund transfer destination information 403 of the counterparty as the remittance destination.

[0032] The scheduled deposit / withdrawal date 507 indicates the scheduled date for the deposit / withdrawal, and the scheduled deposit / withdrawal amount 508 indicates the scheduled amount for the deposit / withdrawal. The actual deposit / withdrawal date 509 indicates the date when the deposit / withdrawal was actually made, and the actual deposit / withdrawal amount 510 indicates the amount when the deposit / withdrawal was actually made.

[0033] Returning to FIG. 2 for explanation. The settlement condition list 109 stores the conditions for executing the fund settlement, that is, the preconditions for the remittance and the information on subsequent processing. FIG. 6 is a diagram showing an example of the data structure of the settlement condition list 109 according to an embodiment of the present invention. The settlement condition list 109 can include, but is not limited to, these data items, and can also include other data items, such as the trading entity ID 301, the business flow management ID 501, the prerequisite fund transfer ID 601, and the subsequent processing 602. The trading entity ID 301 and the business flow management ID 501 are associated with a set of multiple prerequisite fund transfer IDs 601 and subsequent processing 602.

[0034] The prerequisite fund transfer ID 601 indicates the fund transfer ID 503 that triggers subsequent settlement processing. For example, when subsequent transfer processing or the like is executed triggered by a certain deposit processing, the fund transfer ID 503 indicating that deposit processing is set in the prerequisite fund transfer ID 601.

[0035] In addition, the prerequisite fund transfer ID 601 can add conditions other than the fund transfer ID 503. For example, additional conditions such as executing subsequent transfers when the account balance at the time of deposit is 〇〇 million yen or more can be defined.

[0036] The subsequent process 602 stores the fund transfer ID of the fund transfer process to be executed when there is a fund transfer indicated by the prerequisite fund transfer ID 601 (and when the additional conditions are further satisfied). The subsequent process 602 may include one or more fund transfer IDs.

[0037] For example, when a deposit of 10 million yen (fund transfer ID = xxxx1) is made from Company A, and transfers of 5 million yen to Company B (fund transfer ID = xxxx2) and 3 million yen to Branch C (fund transfer ID = xxxx3) are to be made, "xxxx1" is set in the prerequisite fund transfer ID 601, and "xxxx2" and "xxxx3" are set in the subsequent process 602.

[0038] (Processing flow: Data registration process to the business flow management DB 108) FIG. 7 is a flowchart for explaining the process of registering data in the business flow management DB 108 according to an embodiment of the present invention. As a prerequisite for executing this processing flow, it is assumed that data registration to the transaction entity master 106 and the transaction partner master 107 has been performed.

[0039] In S701, in response to an access from the user terminal 11, the fund settlement support system 10 performs authentication processing for the transaction entity. When the authentication processing is successfully completed, the fund settlement support system 10 can provide the user terminal 11 with an input screen 1000 as illustrated in FIG. 10. The input screen 1000 is a screen for newly generating a business flow management unit and inputting a planned deposit, and for calling and updating information in the business flow management DB 108 using an existing business flow management unit as a search key. In one embodiment of the present invention, only the business flow management unit may be generated, and the planned deposit may be separately input or data may be generated based on invoice data.

[0040] The trading entity inputs an arbitrary name (in the example of FIG. 10, "Product A in December 2021") in the business flow management unit input field 1002 on the input screen 1000 via the user terminal 11, and presses the management unit generation button 1003. In response to the pressing of the management unit generation button 1003, the fund settlement support system 10 assigns a business flow management ID 501 and stores new data in the business flow management DB 108.

[0041] In S702, the trading entity inputs the expected deposit related to the business flow management unit in the expected deposit column 1004 via the user terminal 11. As illustrated in FIG. 10, for each counterparty, information such as which account, in which currency, when, and how much will be deposited is input. In response to the pressing of the expected deposit registration button 1005, the fund settlement support system 10 stores the information input on the input screen 1000 in the business flow management DB 108.

[0042] In the embodiment of the present invention, by associating the business flow management ID 501 and / or the business flow management unit 502 at the time of generating the claim data (for example, adding the business flow management ID 501 to the abstract column), the expected deposit data can be automatically generated. Alternatively, the fund settlement support system 10 may be configured to receive the claim data associated with the business flow management ID 501 and the business flow management unit 502, extract the data corresponding to the data items of the business flow management DB 108 from the received claim data, and store it in the business flow management DB 108. Based on the data input via the input screen 1000 of FIG. 10 or the data extracted from the claim data, the expected deposit information for each counterparty (that is, the fund movement ID 503, the transaction ID 401, the debit / credit classification 504, the currency type 505, the relevant account information 506, the expected debit / credit date 507, and the expected debit / credit amount 508) is generated and stored in the business flow management DB 108.

[0043] In S703, the fund settlement support system 10 is configured to obtain deposit information from the bank system 12 and store corresponding performance data in the business flow management DB 108 based on the deposit information. More specifically, the fund settlement support system 10 makes an inquiry to the business flow management DB 108 based on information such as account information, deposit date, deposit amount, invoice identification number (for example, including the business flow management ID 501 in the summary column), and remitter indicated by the deposit information, and identifies the corresponding deposit schedule data. The fund settlement support system 10 can store the actual deposit information in association with the identified data in the business flow management DB 108.

[0044] As is known to those skilled in the art, among the deposit information, technologies for identifying the remitter from the transferred account number (Patent Document 1) and identifying the remitter based on the identification information attached to the summary column have been conventionally performed. The fund settlement support system 10 may be configured to obtain deposit information by using the API services of each bank from the bank system 12.

[0045] (Processing flow: Data registration in the settlement condition list 109) FIG. 8 is a flowchart for explaining the settlement condition generation process according to an embodiment of the present invention. In S801, the fund settlement support system 10 provides the settlement condition specification screen 1100 to the user terminal 11. The name of the transaction entity, which is the logged-in user, is displayed in the transaction entity display column 1101 on the settlement condition specification screen 1100. The fund settlement support system 10 reads out the business flow management ID 501 and the business flow management unit 502 associated with the transaction entity ID 301 from the business flow management DB 108.

[0046] When the transaction entity selects the business flow management unit 502 associated with the transaction entity (logged-in user) from the business flow management unit selection column 1102 via the user terminal 11, the fund settlement support system 10 reads out the data associated with the selected business flow management unit 502 from the business flow management DB 108, generates first graphic information based on the read data, and displays it on the settlement condition specification screen 1100.

[0047] Figure 11 shows an exemplary settlement condition specification screen 1100. In the example of Figure 11, the business flow management unit "Product A in December 2021" exemplified in Figure 10 is selected, and on the screen, it is indicated by an arrow that payments to Company A (head office), which is the transaction entity, are made from Company B, Company C, and Company D. Also, it is indicated by an arrow that transfers or transfers from Company A (head office) to Company E, Company F, and Company A (branch office) are made. Further, the settlement condition specification screen 1100 has a settlement condition column 1106 and a registration button 1109, and the settlement condition column 1106 further has a prerequisite condition column 1107 and a subsequent process column 1108.

[0048] In S802, the transaction entity registers the settlement conditions via the user terminal 11. First, the transaction entity associates the arrow 1103 from Company B to Company A (head office) with the prerequisite condition column 1107 by means such as drag & drop. By this operation, "Payment of 10 million yen from Company B (aaaaaa)" is displayed in the prerequisite condition column 1107. The displayed text is generated by the fund settlement support system 10 based on the data in the business flow management DB 108 associated with the arrow 1103. "aaaaaa" indicates the fund movement ID 503 (prerequisite fund movement ID 601). Although the above described associating the arrow 1103 with the prerequisite condition column 1107 by a drag & drop operation, any other method may be used as long as the association can be made.

[0049] Next, the transaction entity associates the arrow 1104 and the arrow 1105 with the subsequent process column 1108 by means such as drag & drop, respectively. By this operation, "Transfer 5 million yen to Company E (bbbbbb)" and "Transfer 3 million yen to Company A (branch office) (cccccc)" are displayed in the subsequent process column 1108. These displayed texts are also generated by the fund settlement support system 10 based on the data in the business flow management DB 108 associated with the arrow 1104 and the arrow 1105, respectively. "bbbbbb" and "cccccc" indicate the fund movement ID 503 to be the subject of the subsequent process.

[0050] In response to the pressing of the registration button 1109, the fund settlement support system 10 sets the fund transfer ID in the prerequisite condition column 1107 as the prerequisite fund transfer ID 601, and sets one or more fund transfer IDs in the subsequent processing column 1108 as the subsequent processing 602, and stores the data in the settlement condition list 109.

[0051] In one embodiment of the present invention, the prerequisite fund transfer ID 601 can include additional conditions in addition to the fund transfer ID 503. For example, when the account balance at the time of deposit is ○○ million yen or more, subsequent remittance is executed, or after the subsequent processing resulting from the first prerequisite fund transfer ID 601 is completed, the subsequent processing resulting from the second prerequisite fund transfer ID 601 is executed. Additional conditions such as this may be defined, and when the additional conditions are further satisfied, the subsequent processing may be executed.

[0052] (Processing flow: Automatic execution process of fund settlement) FIG. 9 is a flowchart for explaining the automatic execution process of fund settlement according to an embodiment of the present invention. In S901, when the fund settlement support system 10 acquires deposit information for the account of the transaction subject from the bank system 12 or the cryptocurrency management device 13, it makes an inquiry to the business flow management DB 108 and extracts the fund transfer ID 503 associated with the deposit information. More specifically, the fund settlement support system 10 makes an inquiry to the business flow management DB 108 based on information such as the account information indicated by the deposit information, the deposit date, the deposit amount, the identification number of the invoice (for example, including the business flow management ID 501 in the summary column), and the remitter, and identifies the fund transfer ID 503 associated with the corresponding deposit schedule data.

[0053] In one embodiment of the present invention, the fund settlement support system 10 may be configured to acquire deposit information from the cryptocurrency management device 13, make an inquiry to the business flow management DB 108 as described above, and identify the fund transfer ID 503.

[0054] In S902, the fund settlement support system 10 makes an inquiry to the settlement condition list 109 and determines whether a prerequisite fund transfer ID 601 that matches the specified fund transfer ID 503 exists in the settlement condition list 109. If the matching prerequisite fund transfer ID 601 exists, the process proceeds to S903. On the other hand, if the matching prerequisite fund transfer ID 601 does not exist, since there is no subsequent process to be executed, this processing flow ends.

[0055] In S903, the fund settlement support system 10 reads one or more fund transfer IDs 503 included in the subsequent process 602 associated with the prerequisite fund transfer ID 601, and generates a remittance request based on the read fund transfer IDs 503. More specifically, the fund settlement support system 10 searches the business flow management DB 108 based on the read fund transfer IDs 503, obtains the participating account information 506 associated with the read fund transfer IDs 503, and generates a remittance request by specifying the account information 304 of the transaction entity and the fund transfer destination information 403 of the counterparty included in the participating account information 506. The remittance request includes at least the account information 304 of the transaction entity, the fund transfer destination information 403 of the counterparty, and the information on the remittance amount.

[0056] In S904, the fund settlement support system 10 transmits the generated remittance request to the bank system 12 or the cryptocurrency management device 13 associated with the account information 304. The bank system 12 executes a transfer process or a transfer process based on the received remittance request. The cryptocurrency management device 13 generates a transaction for transferring cryptocurrency from the account of the transaction entity to the account of the counterparty, and after approval, incorporates it into the blockchain.

[0057] (Other processes) FIG. 12 is a diagram showing an example of a fund settlement schedule / performance display screen 1200 according to an embodiment of the present invention. The fund settlement schedule / performance display screen 1200 can show second graphic information generated based on the scheduled information and performance information of fund settlements associated with commercial transaction activities. The fund settlement schedule / performance display screen 1200 includes a transaction entity display column 1201, a business flow management unit selection column 1202, and second graphic information.

[0058] The fund settlement support system 10 can read a plurality of corresponding deposit / withdrawal information from the business flow management DB 108 based on the business flow management ID 501 and / or the business flow management unit 502 specified in the business flow management unit selection column 1202, generate second graphic information based on the read deposit / withdrawal information, and provide it to the user terminal 11. The second graphic information visually provides the scheduled information and performance information of fund settlements to the transaction entity (user). The fund settlement support system 10 can respond to the pressing of any icon or arrow on the second graphic information, display desired information, and provide a screen on which the information can be updated to the user terminal 11. For example, when the arrows 1203 and 1204 are selected, the fund settlement support system 10 can provide the user terminal 11 with a screen for updating the scheduled information and performance information of fund settlements associated with the selected arrows 1203 and 1204. Thereby, the transaction entity (user) can modify the deposit / withdrawal schedule data and the deposit / withdrawal performance data via the user terminal 11.

[0059] Any icon may be configured to indicate, for example, a trading entity or each of a plurality of trading partners. Any arrow may be configured to indicate the flow of funds (remittance) from the trading entity to the trading partner or the flow of funds (incoming payment) from the trading partner to the trading entity. The fund settlement support system 10 can display each arrow differently based on the scheduled information and actual performance information of the fund settlement. For example, an arrow indicating the flow of funds for which the incoming payment has been made as scheduled may be displayed differently from an arrow for which the incoming payment has not been made as scheduled (for reasons such as difference in amount, delay, etc.) (for example, one is a solid line and the other is a dotted line, one is shown with a first color and the other is shown with a second color, etc.).

[0060] The fund settlement support system 10 can explicitly show in the graphic information of FIG. 12 a fund settlement in which the incoming and outgoing payments have not been made as scheduled due to reasons such as difference in amount, delay, etc., and / or can notify the trading entity that such a fund settlement has occurred.

[0061] Although the principles of the present invention have been described with reference to exemplary embodiments above, those skilled in the art will understand that various embodiments can be realized by making changes in the configuration and details without departing from the gist of the present invention. That is, the present invention can take embodiments as, for example, a system, an apparatus, a method, a program, or a storage medium, etc.

Description of Reference Numerals

[0062] 10 Fund settlement support system 11 User terminal 12 Bank system 13 Cryptocurrency management device 101 Control unit 102 Main memory unit 103 Auxiliary storage unit 104 Interface (IF) unit 105 Output unit 106 Trading entity master 107 Trading partner master 108 Business flow management DB 109 Settlement Condition List 1000 Input Screen 1100 Settlement Condition Specification Screen 1200 Fund Settlement Schedule and Actual Performance Display Screen

Claims

1. Upon obtaining deposit information for the account of a trading entity, extract a first fund transfer identifier associated with the deposit information, Determine whether the first fund transfer identifier exists in a list of settlement conditions, On the condition that it is determined to exist, read one or more second fund transfer identifiers associated with the extracted first fund transfer identifier from the list of settlement conditions, Generate a remittance request based at least on the one or more read second fund transfer identifiers configured to; Receive a first business flow management identifier and business flow management unit information indicating the relationship of the flow of funds associated with the trading entity, Based on data associated with the business flow management unit information, display on the device of the trading entity, and generate the first fund transfer identifier and the one or more second fund transfer identifiers for subsequent processing associated with the first fund transfer identifier, and generate first graphic information for storing each in the list of settlement conditions further configured to; The association between the first fund transfer identifier and the one or more second fund transfer identifiers is executed by an operation on an icon indicating the flow of fund settlement, which is included in the first graphic information. A fund settlement support system.

2. The fund settlement support system according to claim 1, further configured to generate the remittance request based on the account information of the trading entity associated with the second fund transfer identifier, the fund transfer destination information of the counterparty, and the remittance amount.

3. Determining whether the first fund transfer identifier exists in the list of settlement conditions further includes Determining whether an additional condition is satisfied, On the condition that it is determined to be satisfied, read one or more second fund transfer identifiers associated with the extracted first fund transfer identifier, Generate a remittance request based at least on the one or more read second fund transfer identifiers The settlement support system according to claim 1, further configured to.

4. Receive a second business flow management identifier, Read a plurality of deposit and withdrawal information associated with the second business flow management identifier, the plurality of deposit and withdrawal information including planned information and actual information of fund settlement, Based on the read plurality of deposit and withdrawal information, generate second graphic information for display on the device of the trading entity, the second graphic information visually shows the flow of funds settlement between the trading entity and the counterparty, and the flow of funds settlement is displayed in association with the scheduled information and actual information of the funds settlement The settlement support system according to claim 1, further configured as described above

5. The scheduled information of the funds settlement is generated based on the invoice data The actual information of the funds settlement is generated based on the deposit and withdrawal information The settlement support system according to claim 4

6. The funds settlement support system according to claim 1, further configured to transmit the remittance request to a bank system or a cryptocurrency management device associated with the account information of the trading entity included in the remittance request

7. The funds settlement support system according to claim 1, wherein the deposit information is obtained from a bank system or a cryptocurrency management device

8. A method executed by a funds settlement support system, comprising: extracting a first fund transfer identifier associated with the deposit information in response to obtaining deposit information for the account of the trading entity; determining whether the first fund transfer identifier exists in a settlement condition list; reading one or more second fund transfer identifiers associated with the extracted first fund transfer identifier from the settlement condition list on the condition that the determination of existence is made; generating a remittance request based at least on the read one or more second fund transfer identifiers and comprising receiving a first business flow management identifier and business flow management unit information indicating the relationship of the flow of funds associated with the trading entity; generating first graphic information for display on the device of the trading entity based on the data associated with the business flow management unit information, and generating the first fund transfer identifier and the one or more second fund transfer identifiers for subsequent processing associated with the first fund transfer identifier, and storing each in the settlement condition list and further comprising The association between the first fund transfer identifier and the one or more second fund transfer identifiers is executed by an operation on an icon showing the flow of funds settlement, which is included in the first graphic information

9. A program for causing a computer to execute the method according to claim 8

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