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Title:
A SYSTEM CREATING A FINANCE CAPITAL IN THE ELECTRONIC BUSINESS NETWORK
Document Type and Number:
WIPO Patent Application WO/2021/206665
Kind Code:
A1
Abstract:
A finance capital created in the electronic network system of the invention is a system which comprises an information system (8) in which the companies in an electronic network created by a large number of the companies and the credit-debt information between said companies are located, processed and accessed from anywhere via the web or other communication protocols; a company database (17) which contains the information on at least one first company (1) and at least one second company (2) in said information systems; a financial management company database (16) which contains said companies and at least the credit-debt information of these companies; a software (14) that manages said data and enables communication; a main server (13) and/or a financial management company computer (15), which contain said data and said software; a web server (12) which enables the information to be accessed and managed from said main server (13); and at least one user interface (11) through which the information is entered or monitored from said web server (12), characterized by comprising payment information (3) created between at least one first company (1) and at least one second company (2) among the electronic network created by a large number of the companies, and a risk calculation motor (18) that allows the company which is the creditor based on said payment information (3) to receive the credit directly from the debtor company or from the finance capital created in the network under the control of the financial management company and mutual approvals.

Inventors:
DEMIRKIRAN, Hasan (TR)
Application Number:
PCT/TR2021/050336
Publication Date:
October 14, 2021
Filing Date:
April 09, 2021
Export Citation:
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Assignee:
DEMIRKIRAN, Hasan (TR)
International Classes:
G06Q40/00
Attorney, Agent or Firm:
KORDINAT INOVASYON VE FIKRI MULKIYET YONETIMI LTD. STI. (TR)
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Claims:
CLAIMS

1 . A collaboration and finance capital creation system of the invention within an electronic network, wherein said system comprises an information system (8), wherein the information system comprises electronic and software elements in which the companies in an electronic network created by a large number of the companies and the credit-debt information between said companies, the information or indexes such as competitiveness, profitability and reliability are located, processed and accessed from anywhere via the web or other communication protocols; a company database (17) comprising information on at least one first company (1) and at least one second company (2) in said information systems (8); a financial management company database (16) comprising said companies and at least the credit-debt information of these companies; a software (14) that manages said data and enables communication; a main server (13) and/or a financial management company computer (15) including said data and said software; a web server (12) enabling the information to be accessed and managed from said main server (13); and at least one user interface (11) through which the information is entered or monitored from said web server (12), characterized by comprising payment information (3) created between at least one first company (1) and at least one second company (2) among the electronic network created by a large number of the companies; a finance capital which is generated with said payment information and corresponds to the credit of the creditor company; a total finance capital created by the credits provided that the credits of said companies are more than their debts to an extent that a risk may be taken; said company database (17) that allows the company which is the creditor based on said payment information (3) to receive the finance capital equal to the quantity of the credit directly from the debtor company or from the total finance capital created in the network under the control of the financial management company and mutual approvals; a financial management company database (16) in which the finance capital of each company and total finance capital, which are created by said companies and at least credit-debt information of said companies are located and calculated; and a risk calculation motor (18) which is associated with the company database (17) and the financial management company database (16), is located in said main server (13) and/or said financial management company computer (15) and allows at least part of the debt amount corresponding to the debts created by each company to be paid from the total finance capital which is sum of the finance capitals created by the companies.

2. A system comprising an electronic network according to claim 1, characterized in that said risk calculation motor (18) is also an engine which is managed by an electronic or software system that allows a financial value to be generated in exchange for any currency or any virtual currency corresponding to the whole or a certain ratio of the credit amount between the companies, and allows the whole or a certain part of the debts of said companies to be paid from said currency or virtual currency.

3. A system comprising an electronic network according to claim 1 or claim 2, characterized in that the risk calculation motor (18) comprises the electronics and software called an artificial intelligence which calculates that at least competitiveness index (18a), profitability index (18b) and reliability index (18c) of the company are higher than a certain value, the credit of the company is higher than its debt at a specified rate, and at least only the credit of the company is higher than its debt at a specified rate, and which allows the system to be operated reliably.

4. A system comprising an electronic network according to claim 1 , claim 2 or claim 3, characterized in that the risk calculation motor (18) is also a system which extracts a risk value both separately from the business relationship and credit-debt relationship of the companies with each other and from the total and average of the electronic company network or pool.

5. A system comprising an electronic network according to claim 1, characterized in that it comprises a company database (17) comprising information on at least one first company (1) and at least one second company (2) in said information systems (8), and at least one of the profitability, competitiveness, reliability, and credit-debt situations together with the business information of the companies in said company database (17).

6. A system comprising an electronic network according to claim 1 or claim 5, characterized in that it comprises a financial management company database (16) comprising said companies and the financial credit-debt information at least amongst these companies.

7. A system comprising an electronic network according to claim 1 , claim 5 or claim 6, characterized in that the company database (17) and the financial management company database (16) can be combined, or in the form of a single database.

8. A system comprising an electronic network according to claim 1, claim 2, claim 5 or claim 6, characterized in that the system comprising software (14) which manages the data in said company database (17) and/or financial management company database (16) and provides the communication, with being positioned in the main server (13) and/or financial management company computer (15) comprising said data and said software, a web server (12) that allows the information to be accessed and managed from said main server (13), and at least a user interface (11) through which the information is entered or monitored from said web server (12) is a risk calculation motor (18) which monitors and evaluates the company information and the finance capital created by the company in said system, said electronic network and the finance capital created by the electronic network, and meets the cash need of the companies from the created finance capital in the light of these evaluations.

9. A system comprising a company database (17) which contains information on at least one first company (1) and at least one second company (2) in the electronic network created by a large number of the companies, a financial management company database (16) which comprises said companies and the relationships between the companies, especially the credit-debt information of these companies, a main server (13) and a financial management company computer (15) which contain said databases, a web server (12) enabling information to be accessed and managed from said main server (13) and said financial management company computer (15), and a user interface (11) through which the information is entered or monitored from said web server (12), wherein said system is an electronic system which comprises payment information (3) created by the trade of goods and services between at least one first company (1) and at least one second company (2) among the electronic network formed by a large number of companies, a risk calculation motor (18) that allows the creditor company to calculate and manage its credit based on said payment information (3) by the mutual approvals and the software (14) of the financial management company (4) directly from the debtor company or the created finance capital provided that the credits of the company is higher than its debts at a specified rate while at least one of the profitability, competitiveness and reliability structure in the electronic network is positively evaluated, a financial management company database (16) and a company database (17) which are associated with said risk calculation motor (18) and provide the operation and data exchange thereof, and a main server (13) comprising said financial management company database (16) and a company database (17).

10. A method for creating a finance capital in the system which comprises an information system (8) in which the companies in an electronic network created by a large number of the companies and the credit-debt information between said companies are processed and accessed from anywhere via the web or other communication protocols; a company database (17) which contains information on at least one first company (1) and at least one second company (2) in said information systems; a financial management company database (16) which contains said companies and at least the credit-debt information of these companies; a software (14) that manages said data and enables communication; a main server (13) and/or a financial management company computer (15), which contain said data and said software; a web server (12) which enables the information to be accessed and managed from said main server (13); and at least one user interface (11) through which the information is entered or monitored from said web server (12), said method comprising the following steps;

- allowing the companies to enter the system according to the determined criteria (100)

- allowing any two companies to agree on the payment information and mode (200) - allowing the bilateral agreement to be approved by the financial management company (300)

- monitoring the company activity and electronic network relations until the date of payment (400)

- paying according to the determined conditions on the date of the payment (500)

- allowing the creditor company to receive the payment and updating the finance capital values (600)

11. A method for creating a finance capital according to claim 10, characterized in that in the step of allowing the companies to enter the system according to the determined criteria (100), it comprises the steps of allowing the companies and the financial management company (4) to enter the company information, production information, business management information, companies with which they have a business relationship, and money exchange and financial information via the user interfaces (11) manually and by the software integrations, and allowing these to participate in the electronic business network or pool by the approval of the financial management company (4).

12. A method for creating a finance capital according to claim 10, characterized in that in the step of allowing any two companies to agree on the payment information and mode (200), it comprises the steps of allowing at least two companies in the electronic business network or pool to agree on forming the payment information, payment mode, instalment amount, payment terms, payment information (3) for their work, and performing the required approvals in said agreement by signing electronically or manually.

13. A method for creating a finance capital according to claim 10, characterized in that in the step of allowing the bilateral agreement to be approved by the financial management company (300), it comprises the steps of calculating the values agreed by at least two companies with the risk calculation motor (18) by the financial management company (4) according to the market data, the electronic business network or pool of the companies, and the data of the debtor company, approving them, not approving if not eligible, and informing the parties.

14. A method for creating a finance capital according to claim 10, characterized in that in the step of monitoring the company activity and electronic network relations until the date of the payment (400), it comprises the steps of monitoring the debtor company, the electronic network or pool of the company and the market data by the financial management company (4) via a risk calculation motor (18), and allowing the financial management company (4) to intervene if there is a risk. 15. A method for creating a finance capital according to claim 10, characterized in that in the step of paying according to the determined conditions on the date of the payment (500), it comprises the step of allowing the payment of the debtor company to be performed from the finance capital created in the payment term. 16. A method for creating a finance capital according to claim 10, characterized in that in the step of allowing the creditor company to receive the payment and updating the finance capital values (600), it comprises the steps of allowing the credits of the creditor company to be paid from the finance capital by the guarantee of the financial management company (4) according to the determined criteria, and calculating and updating, after the exchange, the current finance capitals of the companies and electronic network by the financial management company (4) via the risk calculation motor (18).

Description:
A SYSTEM CREATING A FINANCE CAPITAL IN THE ELECTRONIC BUSINESS

NETWORK

Subject of the Invention and Technical Field

This invention relates to a system and method creating a finance capital based on the way of competitive business transaction, and the credits and the debts of the companies which transact or indirectly transact business with each other in an electronic business network. The invention also relates to a system and method which promote the business between the companies, increase the competitive power of the companies by providing synergy as a result of that promotion and create a strong finance capital from the credit-debt relationship of the companies with each other. A financial innovation system of the invention means an electronic network structure which provides a synergy creating an added value by providing a coordinated correlation of the customer database under the control of a financial management company or bank with database of the competitiveness-related actions and financial mobility, wherein the electronic network structure also meets the competiveness and financial needs of the companies in the customer database in a cost-effective manner as a result of that synergy. Said electronic network structure is a system which meets the credit collection and financial needs of the companies and which allows the companies transacting or indirectly transacting business with each other within a determined electronic network to assess their credits caused by, or to be possibly caused by each other.

State of the Art

Finance is one of the most important elements that ensure the sustainability of social life and, hence commercial life. Since the invention of money, the trade and wealth directly concern not only countries and certain groups, but also all institutions and people involved in production and trade. Production and trade which developed rapidly with the industrial revolution have become increasingly global. This has been followed by the development of communications and computer technologies, and finally “the digital technologies” which have arisen for the last three or four decades. Despite all these developments, however, two things have been observed, the appearance of which is changed, but the basic function of which is not changed, although there are different comments depending on the point of view. The first one of these is "competitiveness" and the second one is "finance". Competitiveness is directly related to the strategies implemented by people, institutions, cities and states according to the varying conditions. For the companies, a minimal indicator of the competitiveness may be considered as a "profit". Finance is the most important one of the basic elements necessary at least to make a profit in order to implement these strategies. In many periods of time, the finance has been termed as “the fuel of market”, or “blood in the body”. Thus, the finance is one of the most essential elements for conducting a commercial activity.

In the market, the companies obtain their financial needs either from their own equity, or from the external sources. Finance in the form of equity is most generally the cash invested by the company owners, or the cash obtained by the company from sales. The external finance is mostly loans in the form of borrowing, opening of the company shares to the public, or selling the same in another ways. In addition to the finance required for companies to produce products, services and information and sell them, they need additional financial resources due to the requirements such as new investments and growth. The additional finance resources may refer to the share sales to the resources such as loans obtained from the banks, opening to public, angel investment, or venture capital. In general terms, the use of these finance resources generally refers to a good economic environment, in other words low interests, an increased demand for goods, services and information, and an increase in the sales in a desired rate. In other words, in case that the general economic environment is good, the growth is at a desired level, and the competitiveness of the company is high, the sales are high. In this case, requirements for both equity and external resource are met in a relatively easy manner. Flowever, contrary to this, an unmet finance requirement causes loss, and even collapse of the company.

In daily industry or commercial life, the companies desire to progressively grow by increasing their sales and to make a profit. For this, they mostly choose to make the production “perfect” and to “increase the sales.” In cases where the provision of finance is difficult in the market, for example, when the interest rates are high, there is little cash in the market, and the credibility of the country decreases, etc., forward sales are usually made. In this case, no cash is received from the customer in return for the sale. The only sale for which cash is received is collections made by a credit card, in which case, if the interest in the market is high, such a sale will reduce the net profit. In bulk purchases, or in purchases made by the company from its suppliers, instruments such as checks, bonds and open accounts are used instead of credit cards. In particular, when the quantity of money is reduced or the interests are increased in the countries such as Turkey, a trade in the form of checks, bonds, or open accounts created with a mutual trust is transactions which substitute for cash. In such instruments, there is a cost of delay interest due to the late entry of the money into the treasury of the company, and more importantly, a risk of not to be able to collect money.

Many technological innovations have been put forward in the market in order to reduce the risks in the alternative financial instruments such as checks, bonds and the like. By whom the check or bond was issued, the financial status of the company that issued the check or bond, that is, its ability to make a payment, may be determined by barcode reading, or other means. Thereby, in case that a company that sells its product, service or information receives a check or bond in return, it may obtain a substantially reliable information about how much it will trust this check or bond of the buyer, that is, whether the buyer will be able to pay his debt. Thus, sales are made to the companies which are able to make a payment. The main basis of these systems, however, is the credibility of the company, which is among the factors considered by the banks. In other words, if a company has cash, or valuable physical assets which may be converted into cash, then a decision is made according to the knowledge in that the company is strong. Although this is especially true for institutions which provide bank credits, or for institutions which desire to guarantee that they will sell their products and collect their credits, it is not possible for all companies to achieve a good credibility. Moreover if so, this means that the economy is vibrant, so the credit taps are opened during this periods of time. In other words, in the state of the art, in case that the company does not even have cash, it is possible for the company to use credit and conduct its business in the presence of assets such as lands, buildings, securities, bonds, etc., which may be converted into cash, even if the interests are high. However, even if the companies do their business well, it is very difficult for them to obtain a loan, or provide cash in other ways, if they do not have assets which may be converted into cash, although they have credits. In the state of the art, a configuration in which buying of goods, and service provision are facilitated through a website is mentioned in the Turkish patent No. 2007/02751 with Slovakia Priority. It may be said that said system indeed saved people and companies from the trouble of “presenting probative documents every time to prove their credit worthiness” to the banks repeatedly. However, it may be said that a classical banking crediting system is applied here as well.

In the state of the art, a system which provides invoice-based services to the risky customers is mentioned in the Turkish patent No. 2014/16125. In this system, a certain prepayment (deposit) is mentioned by considering the payment method of the customer, especially for the collection of invoices issued by the companies working with a subscription system. This system may be a good way to collect credits such as telecommunications, electricity, water and natural gas, which mostly appeal to the end consumer. However, it does not seem to be a system which meets the financial needs for consumers or companies.

In the state of the art, an electronic check and bond arrangement is mentioned in the Turkish patent No. 2015/03078. The system may be considered as a really superior system as compared to the traditional checks and bonds. However, the security of the check and bond is a system which is really related to the credit worthiness of the check or bond holder, beyond the classic fraud tests. Therefore, the checks given by the company which may take a loan also mean a reliable check like a credit evaluation, wherein there is a disadvantage for the companies which do not use checks.

In the state of the art, another Turkish patent No. 2018/20218 discloses transfer of an invoice credit created by a customer in a company to another customer. In this transaction, by way of a sort of assignment of the credit, the credit is not directly collected from the debtor company, but from a customer which owes to this debtor company and has cash. Such a method may be carried out manually, i.e. mutually, between the companies that know each other. This is already done on the market. However, the competitiveness performance of the company that makes out the invoice and the companies that will make the payment is not taken into consideration, and there is no systematic evaluation and systematic credit-debt transfer between the companies that do not know each other. In the state of the art, another Turkish patent No. 2018/20218 discloses a practice on sharing of debts and credits, and netting. However, in said patent, in case that only a company creates a credit by doing business in any way and shows it with an invoice, this credit of said company is collected not from the company with which it does business, but from another company which is in cooperation with the company with which it does business contractually in the form of netting. In other words, the credit is assigned to another company to be owed. However, in this patent, there is no systematic evaluation in which a bank or a similar institution which organizes the system according to the performance of the companies provides loans to the companies when necessary, by mediating them, and there is no pool from which the credit is collected.

In the state of the art, another Turkish patent No. 2014 16125 discloses a system for collecting future invoices by taking a deposit from the customer according to the customer's habits in a subscription system.

In the state of the art, there is a US Patent No. US6920434. In said patent, a credit facility is carried out in a network via a network created, not between the institution or person getting loan and the bank.

In the state of the art, US Patent No. US2015026036 discloses an automated factoring system used for collecting the invoices.

In the state of the art, there are many studies and documents which are related to the aforementioned patents or include payment tools such as postdated checks, long-term bonds, etc. However, there is no record regarding the system and method, the details of which will be discussed below.

Technical Problems to be Solved by the Invention

The object of the system according to the invention is to create an electronic network which provides a safety credit-debt transaction without cash or any payment tools such as checks and bonds by considering the competiveness capacities, abilities to do business and/or credit worthiness of said companies and persons in the context of debt and credit relation created between each other in return for the businesses which are done by the companies or persons. Said electronic network system allows a person or company to receive its credits arising from the production, service or any commercial activity thereof from the debtor company or person directly or indirectly by the mediation of the third parties (companies) in cash or with appropriate terms. Said configuration is a system which allows a creditor company to get the credit from the company to be owed, or said debtor company from a company with which it has a business relationship within the same electronic network using a currency in that country, a currency under the international transaction, or a virtual currency identified in that electronic network, provided that it is competitive and/or profitable. Said system also includes a method which allows companies or persons to do business securely by creating an electronic network according to predefined criteria. The system according to the invention is defined as a collaboration and finance capital creation system due to the way of doing business of the companies with each other and the credit-debt relationship arisen from this business.

The collaboration and finance capital system and method created with the electronic network of the invention also provides a solution to the problem of obtaining loans from the financial institutions, which is encountered in the state of the art. Firstly, the object is to provide good or service in return for business for the persons or companies that do business, work competitively if possible, or do profitable business, but are not able to develop their business due to cash problems. Although it resembles a barter system in this respect, the object is not basically to buy goods or services in return for goods or services, but to receive the credit thereof arisen from the goods or services thereof, i.e. the finance capital, cash, credit, or good or service from the finance capital created in the electronic network pool via the finance management institutions (or similar organization companies).

In the collaboration and financial capital system and method created with the electronic network of the invention, a manufacturer or seller in the pool of a management institution such as a finance management company or a bank will be able to produce goods, information or services in accordance with the minimum quality conditions accepted by the market and in accordance with the principles of honesty, and a person or company making use of that good, information or service in the same pool will purchase said good, information or service. In return, the payment may be made by cash, or in the form of a deferred payment, or may be collected from other creditors. Of course, the risk of these companies may be taken by a finance company such as a finance management company or bank according to the ratings performed. The credit created by the profitable or competitive company according to the evaluations, actually constitute a financial capital. Using a financial capital pool created by such competitive or profitable companies with high credits, even if the companies working in this electronic network do not do business directly with each other, their debts will be possible to be paid numerically or on the account from this finance capital. The higher the number of the companies in the electronic network, the more finance capital will increase, and the companies will find an opportunity to benefit from this electronic network financially by trying to be profitable or competitive rather than holding cash.

An advantage of the collaboration and finance capital system within the electronic network according to the invention is that it allows to guarantee all or at least a certain amount of the credit of a company doing business in any subject together with an increase of the number of companies creating a business network. Said credit guarantee will be due to the fact that the debtor company joins the pool, acts in accordance with the criteria of competitiveness or “being profitable”, and therefore is a company that is able to pay the debt thereof. The debtor company creates a cycle in which it may pay the debt thereof with the credit created in return for the goods, services or information produced by itself.

Another advantage of the collaboration and finance capital system of the invention is that a company is able to sell products, services or information in advance with the added value obtained in establishing a business network of the companies doing business, while allowing the debtor company to pay the debt thereof in installments when desired.

A further advantage of the system according to the invention is that it allows to create a payment method or money system which may be instantly converted to current cash that is functional within the business network created by a bank or an authorized company. One or more of the domestic currency, the internationally used currencies, or a virtual currency identified by the electronic network finance management company may be used in the electronic network. Therefore, the companies in the electronic network will have an opportunity to do business independent of inflation in the country. Another advantage of the system of the invention is that it allows the companies to continue their production and trade activities with the added value created by working with each other without cash, especially in case of cash shortages in the market or high interest rates. By the application of said system, the transfer of goods and services may be performed between not only the companies but also the persons, without any payment tools such as cash, or a credit card with a similar function.

The drawings and diagrams explained below will be used to better understand the collaboration and finance capital system of the invention.

Description of the Figures

Figure 1 is a schematic representation of the basic elements that enable the operation of the electronic network system of the invention and the relationships between them.

Figure 2 is a schematic drawing showing the conceptual design of the information systems in the electronic network system of the invention.

Figure 3 is a schematic figure showing the business relationship and working manner of a product, information or service producer (companies) in the system of the invention.

Figure 4 shows a flow chart of the method of doing business, which is the application of the system of the invention.

Reference Numerals of the Sections and Parts to Serve for Describing the Invention

1- First company

1a- Credits of the first company 1b- Debts of the first company

2- Second company

2a- Credits of the second company 2b- Debts of the second company

3- Payment information 4- Financial management company

5- Manager

6- Smart device

7- Internet

8- Information systems

9- Modem

10- Firewall

11- User interface

12- Web server

13- Main server

14- Software

15- Financial management company computer

16- Financial management company database

17- Company database

18- Risk calculation motor 18a- Competitiveness index 18b- Profitability index 18c- Reliability index

F1- first company icon, F2- second company icon . FN- N th company icon,

FNa- Credits of the N th company FNb- Debts of the N th company

Detailed Description of the Invention With the invention, an electronic business network is aimed, which is created with the aim of creating a synergy from the business exchanges and especially the credit-debt relationships between the companies, institutions or individuals who have direct or indirect business relations with each other and with at least one financial management company, and creating a finance capital with this synergy, and allowing the credit-debt exchanges of the companies to be handled by said finance capital without cash. Here, in the classical sense, rather than the transfer of the credits-debts (payables) or the assignment of the payments (by assigning is meant that the debt is undertaken by another person or institution, and the invoice is paid by another person or institution) between a company and other company which is the debtor or creditor thereof and between said other company and another company which is the debtor or creditor thereof, it is a system that allows an electronic business network to be created between the companies, institutions or individuals that have a business relationship, and allows the credits and debts (payables) to be paid (in more general terms, the debts are paid from their credits) with a direct or indirect electronic network and finance capital, without a direct cash transfer, by the organization of the financial management company in this business network and the bank and by the risk calculation based on the artificial intelligence. The attached drawings for explaining the system are the representative drawings. To facilitate the explanation, there will be a description in the form of the relationship between several companies and the electronic organization of a bank. However, it is actually possible to create a system in which the credits and debts (payables) of the companies that are not aware of each other or do not have a direct credit-debt relationship with each other will be paid digitally from the total finance capital created by the organization of at least one bank or financial management company, without the cash, according to their working performance.

The basic elements of the collaboration and finance capital creation system of the invention formed with the electronic network are shown in the conceptual design in Figure 1 . The basic elements of the information systems designed to explain the risk calculation in said system are shown in the diagram of Figure 2. Figure 3 is a schematic drawing for describing the credit-debt relationship between the companies doing business with each other. Figure 4 shows a flow chart of the method of doing business.

The collaboration and finance capital creation system of the invention within an electronic network is essentially a system which comprises an information system (8), wherein the information system comprises electronic and software elements in which the companies in an electronic network created by a large number of the companies and the credit-debt information between said companies, the information or indexes such as competitiveness, profitability and reliability are located, processed and accessed from anywhere via the web or other communication protocols; a company database (17) comprising information on at least one first company (1) and at least one second company (2) in said information systems (8); a financial management company database (16) comprising said companies and at least the credit-debt information of these companies; a software (14) that manages said data and enables communication; a main server (13) and/or a financial management company computer (15) including said data and said software; a web server (12) enabling the information to be accessed and managed from said main server (13); and at least one user interface (11) through which the information is entered or monitored from said web server (12), characterized by comprising payment information (3) created between at least one first company (1) and at least one second company (2) among the electronic network created by a large number of the companies; a finance capital which is generated with said payment information and corresponds to the credit of the creditor company; a total finance capital created by the credits provided that the credits of said companies are more than their debts to an extent that a risk may be taken; said company database (17) that allows the company which is the creditor based on said payment information (3) to receive the finance capital equal to the quantity of the credit directly from the debtor company or from the total finance capital created in the network under the control of the financial management company and mutual approvals; a financial management company database (16) in which the finance capital of each company and total finance capital, which are created by said companies and at least credit-debt information of said companies are located and calculated; and a risk calculation motor (18) which is associated with the company database (17) and the financial management company database (16), is located in said main server (13) and/or said financial management company computer (15) and allows at least part of the debt amount corresponding to the debts created by each company to be paid from the total finance capital which is sum of the finance capitals created by the companies. Said risk calculation motor (18) is also an engine which is managed by an electronic or software system that allows a finance capital which is a financial value to be generated in exchange for any currency or any virtual currency corresponding to the whole or a certain ratio of the credit amount between the companies, allows the total finance capital which is the total credits of said companies to be generated, and allows the whole or a certain part of the debts of said companies to be paid from said total finance capital consisting of said currency or virtual currency and thus allows a finance capital replacing cash to be created with an electronic network between "value-added companies" without cash. Basically, the risk to be managed here is to ensure that the financial conditions of the companies under the control of the financial management company are not risky, or is at least profitable in terms of business and/or finance. It is desirable that while the competitiveness index (18a), profitability index (18b) and reliability index (18c) of the companies, or at least one thereof are/is higher than a specified value, the company is profitable, i.e., the credit thereof is higher than its debt. Even if all these conditions are not met or not managed, it is essential to closely monitor the credits and debts and to have more total credits than the debts. The previously accepted situation here is to ensure that the added-value companies, institutions, or individuals can do business with each other without cash due to the government policies or economic conditions. Of course, it is the idea here that the commercial or economic activities need to be met with the cash currency in that country or with the international reserve currencies. In practice, this may be equivalent to the distribution of the American currency “US Dollar”, which emerged in the 1970s, to the world without its gold reserve. It is clear that this risk is much less in the system mentioned and suggested in this document. The reason for this is that the payment of the debts from the created finance capital will be profitable, competitive, or at least among the institutions that have more credits than the debts, wherein the risk calculation motor instantly monitors this and accordingly allows shopping and economic activity based on this system. The risk calculation motor (18) comprises the electronics and software called an artificial intelligence which calculates that at least competitiveness index (18a), profitability index (18b) and reliability index (18c) of the company are higher than a certain value, and the credit of the company is higher than its debt at a specified rate, and at least only the credit of the company is higher than its debt at a specified rate, and which allows the system to be operated reliably. Of course, if desired, the fact that the competitiveness index (18a), profitability index (18b) and reliability index (18c) of some companies in the electronic business network, such as start-ups, are low and even their credits are less than their debts is accepted provided that it is below a value that can be met by the created total finance capital. Here, the risk calculation motor (18) will basically examine the cash operation of the company and examine whether its credits are higher than its debts. That is, it will examine whether the company is profitable, at least through a rough calculation. The risk calculation motor (18) is an electronic hardware which comprises and manages the software having an algorithm in which this company can be evaluated in the electronic business network if it is profitable, and the credits thereof will be added to the total finance capital, and which determines that the specified amount of the debts of this company will be paid from the total finance capital. Basically, while the profitability of the company that is included in the electronic business network is at the forefront, it is more desirable that the company is competitive, reliable, and profitable given not only its receivable-debt balance, but also its activities. What is meant by profitability here is that the credits are at least more than the debts, at least so as not to pose a risk. It is desirable for this that while the risk calculation motor (18) evaluates the company in the electronic business network, it will also examine preferably the company’s activities with the credit-debt balance of the company, and examine the competitiveness index (18a) comprising, for example, Research and Development activities, Innovation activities, branding works and the evaluation activities therefor. Similarly, it will also examine the reliability index (18c) that allow the company to be evaluated with the criteria such as likability of the products and services of the company, customer satisfaction, its relationship with the suppliers, and whether the company is liable to its debts or not. Similarly, it will also examine the profitability index (18c) consisting of the factors such as the profit rates on the products or services of the company, satisfaction and commitment of the company's staff, growth rate of the company, and cash-to-cash cycle. These calculations can be performed manually as well as automatically by the accounting and finance software programs. Basically, it is desirable that there is a risk calculation motor (18) that allows a finance capital to consist of the added value, i.e., the credits, created for the exchange of goods and services by introducing the companies, institutions and individuals that do business with each other directly or indirectly into an electronic network. Technical incident and technical superiority created by the risk calculation motor (18) is to detect the companies which are considered to be “good, reliable and profitable”, wherein it cannot be done with the human mind and the manual and classical calculations, to create the finance capital equal to the specified amount of the credits of these companies in the electronic network, and to make a transfer equal to the specified amount of the debts of these companies in the electronic network into the finance capital. This specified ratio can be total credits and total debts, as well as some of the credits and some of the debts. That is, all the credits of the company can be transferred to the finance capital, as well as some of its credits can be transferred to the finance capital. Therefore, all debts can be paid from the finance capital, as well as some of the debts can be covered from the finance capital. This finance capital can be measured in the currency of the country, reserve currencies traded in the world, virtual currencies or any other virtual currency determined by the financial management company. Said risk calculation motor (18) is an artificial intelligence system that includes the electronics and software that continuously monitor the company’s own internal activities (at least profitability) and their relationships with the companies inside or outside the electronic network (at least the credit-debt relationship) and evaluate accordingly. In practice, the risk calculation motor (18) handles the very complex transactions such as the credits and debts of thousands or even millions of companies, their exchanges with each other, money exchanges between the companies and in the market, etc., since the risk calculation cannot be done manually by the accountants, financiers or engineers in real time, or even if it is done, it will take a lot of time. It is considered that such a system is not in the state of the art and therefore exceeds the state of the art.

In the system comprising at least one financial management company (4); at least one first company (1) and at least one second company (2), which are customers of said financial management company (4) or have provided the sufficient conditions to enter the electronic network system; at least one payment information (3) documenting the credit-debt relationship established between said companies; and the information systems (8) in which said financial management company (4), said companies and said payment information are located, managed and accessed by the internet (7) or other communication ways and which electronically associates them with each other, as is indicated above, the collaboration and finance capital creation system of the invention in the electronic network comprises basically the risk calculation motor (18) having the electronics and software that allow the number of the creditor companies to be higher than that of the debtor companies in the electronic network comprising the credit and debt relationship between the first creditor company (1) and the second debtor company (2) (or vice versa), or allow the debts (or the amount of the finance capital) guaranteed by the financial management company (4) to be paid from the total finance capital created by the companies in the electronic network from the common pool (or from the inside of the electronic network). The risk calculation motor (18) is basically a calculation engine that allows a company which is introduced into the pool according to the various criteria and is profitable among the companies observed at least financially in terms of the business activities or is the creditor among the companies that are likely to be profitable with their activities to pay its debt, and allows the debt of the debtor company to be paid under the control of the bank or financial management company thanks to its credits even if the company does not have a cash asset at the moment. The risk calculation motor (18) is a system which extracts a risk value both separately from the business relationship and credit-debt relationship of the companies with each other and from the total and average of the electronic company network or pool. The risk value is related to the credit and debt ratios of the companies, the frequency of working with each other, and the value of the company alone, and it acts according to the criteria set by the bank or financial management company. For example, the ratio of the company’s debts to its credits can be considered as 70% for the financial management company (4). That is, if the company’s credit is 100 units in proportion, its debt can be 60 units. Similarly, the ratio of the debts of the companies in the pool to their credits can be considered as 60%. The growth rate of the company and the market can also be added to this. For example, if a company with an average annual turnover of 15.000.000 TL has grown by an average of 15% over the past years, and if the ratio of its debts to its credits is 60%, and if it agrees to add all of its credits and debts to the finance capital within the electronic network, then it can normally pay 60 units of the finance capital debt from the finance capital within the electronic network in which it has 100 units of the credits. Under normal circumstances, the financial management company (4), thanks to its risk calculation motor (8), can evaluate that the company is profitable and reliable and has the credits more than its debts, and can “guarantee” 60 units of the debt of the company. This guarantee is actually an activity for examining the financial and business activities of the company and its relationships with the other companies and for evaluating the company as being reliable and the risk as being worth taking, rather than the financial management company (4) being a guarantor for the debt like a bank. The biggest difference from the normal factoring companies or their activities is that the companies in the electronic network are constantly monitored and the total finance capital is created by determining their instantaneous situation, that is, the risk. In this example, the financial management company (4) can take the whole of 100 units of the finance capital, which is the total credits of the company, into the electronic network, while it can guarantee a part of 60 units of the finance capital that constitutes the debt, not the whole. For example, a company with a turnover of 15.000.000 TL and a growth rate of 15% has currently a credit of 1.000.000 TL from the market and have a debt of 600.000 TL. Assuming that the company is profitable, competitive, and reliable, the financial management company (4) will be able to pay initially 200.000 TL of the debt of 600.000 TL from the finance capital in the electronic network in TL (Turkish Lira) or in EURO, in US Dollars, or in virtual currencies such as Bitcoin or in a virtual currency determined by the system as the specified equivalent of the goods and services produced. Such a cycle will eliminate the problem of the competitive and reliable companies that do their job well, not being able to do business just because there is a shortage of money in the country or the interest rates are high, which is the main object. The basic object of the collaboration and finance capital creation system of the invention in the electronic network is to create an electronic pool formed by some companies which do business with their activities, grow and are competitive, even if they do not have cash, to monitor the activities, at least the business or financial activities of the companies in this pool, and to provide them to stay in this pool. The companies in said electronic pool participate in the activity in the form of a chain, even if they do not do business directly with each other. At least they are in a pool. When a creditor company in said electronic pool cannot collect its credits from the debtor company, its activities may be interrupted. However, the debtor company cannot pay its debt due to the lack of cash with which the market struggles. Yet, its activities are proper and profitable, or will be profitable, at least in terms of the business and finance fundamentals. Accordingly, in an electronic pool formed by the companies that are profitable in the business or that can be profitable as a result of their activities, even if there is no direct cash inflow to the company, it is provided that the company collects its credit by a kind of virtual money since it takes its credit from this electronic network. Similarly, its debt is paid by the electronic pool. Of course, this payment value can be under the supervision of the bank so as not to exceed a certain risk value. The system that provides this is the system of the invention that comprises the risk calculation motor (18).

In order to operate the collaboration and finance capital creation system of the invention, an electronic network system is required. As can be seen in Figure 1 , Figure 2 and Figure 3, the basic elements of this electronic network should be at least two companies, which are defined as the first company (1) and the second company (2). The credit-debt relationship between the first firm (1) and the second firm (2) is defined by the payment information (3). The payment information (3) may be an invoice, pro forma invoice or a similar document. The operation of said electronic network is provided by the information systems (8) comprising the electronic hardware and software. Its management may be a company or a community managing such financial transactions or transactions similar to the business of a bank or banks. Here it is defined as the financial management company (4). Here, at least one manager (5) has been determined to directly manage the operation. The parties will be able to access the system and make the transactions with a smart device (6). The smart device (6) may be a computer, tablet, notebook, smart phone and similar devices. Login to the system can be via the internet (6) or in a closed intranet network. In the system, there will be at least one company database (17) in which the company information and data are stored, and the financial management company database (16) comprising said companies, the information about the credit-firm status of the companies, competitiveness, reliability, profitability, etc. and the relationships between the companies. If desired, the financial management company database (16) can be nested with the company database (17), or within the same database. The risk calculation motor (18) is associated with the company database (17) and/or the financial management company database (16) and is an electronic and software system which receives and evaluates the data therefrom, evaluates the finance capital debt of a company within the specified rate at a determined rate from the total finance capital and at the calculated risks, and is managed by the software (14). The system and therefore all exchanges (transaction), processes, operations etc. in the system will be managed by the software (14) from the financial management company computer (15). The databases and software are on the main server (13) and can be accessed via the user interfaces (11) from the web server (12) connected thereto. If desired, more than one server can be used instead of the main server (13). The security of the system is provided by a firewall (10). The access to the system will be possible with all the electronic communication devices, including the personal computers and mobile smart devices.

In the collaboration and finance capital creation system of the invention in the electronic network, the system comprising a company database (17) which contains the information on at least one first company (1) and at least one second company (2) in the electronic pool created by a large number of the companies, a financial management company database (16) which contains said companies and the relations between the companies, especially the credit-debt information of these companies, a main server (13) and a financial management company computer (15) which contain said databases, a web server (12) which enables the information to be accessed and managed from said main server (13) and said financial management company computer (15), and a user interface (11) through which the information is entered or monitored from said web server (12) is a structure which comprises the payment information (3) created by the trade of goods and services between at least one first company (1) and at least one second company (2) among the electronic network formed by a large number of companies in said system; a risk calculation motor (18) that allows the creditor company to calculate and manage its credit based on said payment information (3) by the mutual approvals and the software (14) of the financial management company (4) directly from the debtor company or the created finance capital provided that the credits of the company is higher than its debts at a specified rate while at least one of the profitability, competitiveness and reliability structure in the electronic network is positively evaluated; a financial management company database (16) and a company database (17) which are associated with said risk calculation motor (18) and provide the operation and data exchange thereof; and a main server (13) comprising said financial management company database (16) and a company database (17). If desired, the financial management company computer (15) and the main server (13) can be combined, or in the form of a single server. Said risk calculation motor (8) is an artificial intelligence system that includes the electronics and software that monitor the status of companies and their relationships with each other instantaneously or in the specified periods.

In the collaboration and finance capital creation system of the invention within the electronic network, the risk calculation motor (18) is operated by a structure or an algorithm, which allows the debt between the first company (1) and the second company (2), having the credit-debt relationship with each other, in the electronic network or pool created by a large number of the companies to be paid to the creditor (the first company and the second company), not by the debtor directly, but by cash or virtual money from said electronic network created by a large number of the companies by the mutual approvals, if desired. Here, a creditor company (for example, the first company (1)) transmits a payment information (3) to the debtor company (for example, the second company (2)) in return for its credit. The debtor company confirms this information under the supervision of the bank. The bank is aware of the financial structure of both companies and/or, if necessary, their business activities. Both companies are accepted as "either making a profit or doing profitable activities". There are already such companies in the electronic company network or pool. When the payment information (3) reaches the debtor company, a confirmation information is requested therefrom. With this confirmation information, the creditor company continues its activities as if the said payment information (3) has received the cash or will receive it in the relevant term. Even if the debtor company does not pay the money in the relevant term, the bank pays the money due to the trust generated by the electronic network system. This is because the debtor company is a creditor from another company, or its activities will allow profit. Here, the financial management company (4) can set a commission if it desires. Of course, in this system, the financial management company can receive a bank commission in return for the creditor to receive the money before the due date, or a commission in return for the creditor to receive the whole money, but for the debtor to pay the money by the instalments and in a deferred way. The financial management company (4) will take risks by examining the activity and financial status of the companies. Here, the financial management company (4) can guarantee the payments up to a certain amount if it desires. During entering the system or in certain periods, the bank will be able to request the profit-loss statements or balance sheets from the companies. Under the normal circumstances, if all payments of a company are made from a bank, the bank itself will be able to see this instantly. Even with this system, it will be able to provide the business or financial consultancy to the company. In order to better understand the logic of the risk calculator engine (18) in the collaboration and finance capital creation system of the invention within the electronic network by the examples, it is useful to look at the diagram arranged with the conceptual design in Figure 3. Assume that the credits of the first company (1) is the credits of the first company (1a) and the debts thereof is the debts of the first company (1b). Similarly, assume that the credits of the second company (2) is the credits of the second company (2a) and the debts thereof is the debts of the second company (2b). Herein, there may be theoretically endless examples of the companies. In practice, however, the turnover which may be managed by the finance management company (4) may be the companies operating domestically, or internationally. Herein, it is assumed that the N th company is FN, the credits of the company is Na and the debts thereof is the debts of the N th company (Nb), with N being any number from 1 to N in order to provide a computational limit. The drawings such as F3, F8, F9 illustrated in the figures are given for exemplary purposes only to describe that the companies or numbers may be from 1 to N. Herein, these are not further described, and the description of the companies F1 , F2 and Fn are sufficient. For example, the credits of the first company (1a) should be greater than the debts of the first company (1b), and the credits of the other companies should be greater than the debts thereof. In other words, the credits of the companies in the electronic pool may be considered as greater than the debts thereof, even greater than a certain ratio. Some companies which have not any credit may be in the electronic network according to a risk assessment to be estimated so as to support some of the companies and to give an opportunity for the rapidly-growing companies, such as start ups. Given that the first company (1) sells goods, services, or information to the second company (2), the first company (1), correspondingly, sends the payment information (3) to the second company (2) via an electronic medium before, during or after the sale. If desired, this is sent via a printed medium. If desired, this payment information (3) includes information such as payment method, discount, payment date, instalment if any, currency, or the specified finance capital, etc. This will be accepted by the second company (2) upon an agreement between the first company (1) and the second company (2). The second company (2) has done business with a company in the pool (if desired, the finance management company (4) may work with the other companies not located in the pool by taking a risk), and has sent payment information (3) as well. The other company, for example the N th company (FN), accepts the payment information (3) of the second company (2), ant the transaction takes place. The second company (2) pays the cash that is required to be paid to the first company (2) if there is enough cash in the bank thereof, the bank (4) makes the payment even if the company has not any cash according to the agreement with the finance management company (4), and the bank pays the debt of the second company (2) to the first company (1). Because the second company (3) is in a creditor position against the other companies, e.g. N th company (FN), and the bank (4) accepts to make a payment accordingly. In other words, the system is indirectly provided between the companies that do not know each other from the finance capital created in the electronic network system via a risk calculation motor (8) as in the system in which, in the state of the art, the companies that are aware of each other, know each other and trust each other do business even if there is no cash. The risk calculation motor (8) is an artificial intelligence device consisting of electronics and software comprising a calculation algorithm which calculates the debt payment of the debtor, and reduces the risk to be taken by the debtor and by the companies in the electronic network in return for the credit of one party between the creditor companies for the cash trades with each other at a certain ratio by considering at least the credit and debt status of the companies in an electronic network or pool in which there is many companies. In said system, for example, in case that a company make a profit, or a company which has a positive business performance over the past years has a credit of 100.000 TL and a debt of 60.000 TL, the finance management company (4) may add this debt of 60.000 TL into the finance capital system according to the company’s status, and may issue guarantee, or may undertake the company’s debt comprising payment information of 5.000 TL if the risk of the company is slightly high. In other words, the finance management company may undertake the debt of the company by considering the general status of the company and the network or pool even if there is no cash. That is, the debt of the debtor is paid in return for the credit from another company. Of course, both there may be an assignment system and the risk may be undertaken as the company is in the pool, without considering how much debt the company has and to whom the company owes. The finance management company (4) may receive a service charge from the companies via said system, make some payments to the companies in advance, make an instalment plan for the discharge of the debt on behalf of them, and may receive a delay interest therefrom. At the same time, the system may allow the creditor company to receive the credit thereof in cash, while it is possible to left in the system as virtual money and use it in a way that will be deducted from the debts thereof when desired. Said system is a system that allows the companies which do business, make a profit, or will make a profit, to directly provide service or to trade without a need for cash. Therefore, virtual money systems may be used, which may be exist, or may be generated by the bank.

The implementation of the collaboration and finance capital creation system of the invention in the electronic network includes a method. In said method, basically, the companies will agree on this type of payment, the financial management company (4) approves it, the company pays it when the payment is due, or if the payment is not possible, the financial management company (4) will pay it. It is possible to express this more systematically with the following steps as can be seen in the flow chart in Figure 4:

- allowing the companies to enter the system according to the determined criteria (100)

- allowing any two companies to agree on the payment information and mode (200)

- allowing the bilateral agreement to be approved by the financial management company (300)

- monitoring the company activity and electronic network relations until the date of the payment (400)

- paying according to the determined conditions on the date of the payment (500)

- allowing the creditor company to receive the payment and updating the finance capital values (600) Accordingly, these steps can be explained as follows.

In the step of allowing the companies to enter the system according to the determined criteria (100), it is provided that the companies and the financial management company (4) enter the company information, production information, business management information, companies with which they have a business relationship, and money exchange and financial information via the user interfaces (11) manually and by the software integrations, and they participate in the electronic business network or pool by the approval of the financial management company (4).

In the step of allowing any two companies to agree on the payment information and mode (200), at least two companies in the electronic business network or pool agree on forming the payment information, payment mode, instalment amount, payment terms, payment information (3) for their work. The required approvals in said agreement are performed by signing electronically or manually.

In the step of allowing the bilateral agreement to be approved by the financial management company (300), the values agreed by at least two companies are calculated and approved with the risk calculation motor (18) by the financial management company (4) according to the market data, the electronic business network or pool of the companies, and the data of the debtor company. If it is not eligible, it is not approved, and the parties are informed.

In the step of monitoring the company activity and electronic network relations until the date of the payment (400), the debtor company, the electronic network or pool of the company and the market data are monitored by the financial management system (4) via a risk calculation motor (18), and it is provided that the financial management system (4) intervenes if there is a risk.

In the step of paying according to the determined conditions on the date of the payment (500), it is provided that the payment of the debtor company is performed from the finance capital created in the payment term.

In the step of allowing the creditor company to receive the payment and updating the finance capital values (600), it is provided that the credits of the creditor company are paid from the finance capital by the guarantee of the financial management company (4) according to the determined criteria, and after the exchange, the current finance capitals of the companies and electronic network are calculated and updated by the financial management company (4) via the risk calculation motor (18).

In the inventive collaboration and finance capital creation system and in the implementation of this method, of course, market data, the electronic business network or pool created by the companies and the individual status of the companies are important. To operate such a system with a low risk, the financial management company (4) can also provide a business consultancy to its customers.

Industrial Applicability of the Invention

The collaboration and finance capital creation system of the invention in the electronic network and the implementation of this method can normally be carried out by the industrial and commercial companies, the information and service companies, even associations, foundations, cooperatives under the management of a financial management company or a bank. If desired, the system can be operated, without a bank, by an organization company, a business association, a foundation or even a government ministry. With the operation of the system, the problem of not being able to do business due to the financial scarcity or high interest rates, although there are business opportunities in developing countries and companies that will do business, will be solved to a great extent. The fact that the system is basically performed with the virtual currencies based on a virtual block chain separate from the current country currency or reserve currencies in the world or a currency or measurement unit generated by the system will ensure the sustainability of the system.