公开(公告)号：EP4216142A1

公开(公告)日：2023-07-26

申请号：EP23153290.4

申请日：2023-01-25

申请人： Cassano, Maurizio ,  Innocenti Roberto Maria

发明人： Cassano, Maurizio ,  Innocenti Roberto Maria

IPC分类号： G06Q40/00

摘要： A method is described for the automatic management of commercial credits aimed at the use of the same in equivalent instruments suitable for satisfying monetary obligations, using a server (3) on the Internet network, equipped with a central system (4) consisting of a software (12) for data management and for managing a central mechanism for the assignment of credits and for the offsetting (6) of the same with debts, supported by i) appropriate financial guarantees, ii) certification (4) of debts, credits and guarantees iii) a data repository (5) including a database of (commercial and financial) transactions (7) and an accounting database (8), and comprising a single STM service subject (9) who ensures that all credits, debt collaterals and backing guarantees are certified; the server (3) being accessible to any authorized operator (1) (company, entity, financial institution, private party) so that the authorized operators (1) can:
• have transactions converge on said database (5) and settle through assignments of credit and/or offsets the monetary obligations related to the transactions carried out in the virtual markets (10),
• instruct said single STM service subject (9) to ensure that all receivables and payables connected with commercial transactions and all guarantees, granted by guarantors (11), are certified, in order for said service subject (9) to verify the execution of payments and the receipt of safe collections on the due date of receivables,
• consult the accounting database (8) fed by the movements, carried out in the Portal of the STM service subject (9) and by the financial guarantees obtained (11), in order to be able to select the most suitable settlement modes,
• give the Portal of the STM service subject (9) settlement orders for the monetary obligations emerging from the accounting database (8) through the use of the assignment of receivables, the use of guarantees and possible offsetting.

公开(公告)号：EP1199656A3

公开(公告)日：2004-01-21

申请号：EP01118589.9

申请日：2001-08-02

申请人： Cassano, Maurizio ,  Pavesi, Roberto

发明人： Cassano, Maurizio ,  Pavesi, Roberto

IPC分类号： G06F17/60

CPC分类号： G06Q40/02

摘要： A system for managing accounting data comprises a central system (4) connected to a telecommunication network, the central system comprising a hardware structure and a software component (30) comprising software to manage accounting data, software to manage bank reconciliation data and software to manage the network, the hardware structure comprising at least one CPU (3) and a data base (5) composed of an accounting data base (5') and a bank reconciliation data base (9), the central system (4) being accessible to enterprises (1), accountants (6) and banks (8), so that enterprises can record data concerning their accounting operations in the data base (5), accountants (6) can check and process the accounting operations of enterprises recorded in the accounting data base (5') and banks (8) can send the banking/financial movements of enterprises (1) to the bank reconciliation data base (9) and check these banking/financial movements in the bank reconciliation data base (9).

公开(公告)号：EP1199656A2

公开(公告)日：2002-04-24

申请号：EP01118589.9

申请日：2001-08-02

申请人： Cassano, Maurizio ,  Pavesi, Roberto

发明人： Cassano, Maurizio ,  Pavesi, Roberto

IPC分类号： G06F17/60 ,  G07F19/00

CPC分类号： G06Q40/02

摘要： A system for managing accounting data comprises a central system (4) connected to a telecommunication network, the central system comprising a hardware structure and a software component (30) comprising software to manage accounting data, software to manage bank reconciliation data and software to manage the network, the hardware structure comprising at least one CPU (3) and a data base (5) composed of an accounting data base (5') and a bank reconciliation data base (9), the central system (4) being accessible to enterprises (1), accountants (6) and banks (8), so that enterprises can record data concerning their accounting operations in the data base (5), accountants (6) can check and process the accounting operations of enterprises recorded in the accounting data base (5') and banks (8) can send the banking/financial movements of enterprises (1) to the bank reconciliation data base (9) and check these banking/financial movements in the bank reconciliation data base (9).

摘要翻译： 用于管理会计数据的系统包括连接到电信网络的中央系统（4），所述中央系统包括硬件结构和包括用于管理会计数据的软件的软件组件（30），用于管理银行对帐数据的软件和管理软件 所述网络，所述硬件结构包括至少一个CPU（3）和由会计数据库（5'）和银行对帐数据库（9）组成的数据库（5），所述中央系统（4）可访问 企业（1），会计师（6）和银行（8），使企业能够记录数据库中的会计操作数据（5），会计师（6）可以对会计记录的企业会计核算 数据库（5'）和银行（8）可以将企业的银行/财务流动（1）发送到银行对帐数据库（9），并检查银行对账数据库（9）中的这些银行/金融流动。