PAYMENT MANAGING SYSTEM BY USING VIRTUAL ACCOUNT FOR B2B WIN-WIN COOPERATION

摘要

The present invention relates to a payment account payment management system for coexistence between companies. N-money is issued based on credit or cash of a main company and is managed through an N-money management account server, and therefore, even lower cooperative companies are able to share credit and liquidity. The main company supplies the liquidity through a financial institution via the N-money management account server, and therefore, the lower cooperative companies do not need the right of resource. The management through the N-money management account server enables the possession of financial profits by collecting fees from an early discount of the lower cooperative companies and interest from the financing of a primary cooperative company, and reduces hostility by using an additional payment method or type, which is not very different from the existing payment method. The financing of a secondary cooperative company is enabled through the N-money management account server based on the credit of the main company, and therefore, credit risk is reduced, financial costs are significantly improved, the safety of a company is improved, and competitiveness is enhanced with the reduction of production costs. Comprehensive and common payment method and means, not the existing simple support system and financial product, are used, and therefore, the system is able to be applied to a variety of conditions and environments and is able to provide the convenience of participation processes such as the opening of an additional financial account by having low dependence on financial institutions.