Method and device for bill account by on-line certified contract

The accounts receivable payment device based upon the on-line authenticated account transfer agreement comprising:

• a means to collect accounts receivable statements of a transaction partner inputted by the purchasing company through the computer data communication method;
• a means to have the said collected statements confirmed by the relevant transaction partner recorded in the said statements through the computer data communication method;
• a means to execute an account transfer agreement with the said transaction partner and to obtain the authentication from a certified electronic authentication institution through the computer data communication method, after the said confirmation is conducted;
• an account transfer notification means to notify the said purchasing company of the said authenticated account transfer agreement;
• a means to receive the purchasing company's approval of the said account transfer through the computer data communication method;
• a means to receive, through the computer data communication method, the loan request from the said transaction partner for the amount desired by the transaction partner at the time desired by the transaction partner on the security of the accounts receivable, after receiving the said approval;
• a means to pay the loan amount to the said transaction partner when the said loan request is received from the transaction partner;
• a means to receive the amount equivalent to the amount of accounts receivable from the said purchasing company on the due date of the accounts receivable;
• and
• a means to determine whether the loan has been provided to the said transaction partner and to collect the received amount as the repayment for the loan in the event that the loan has been provided or to transfer the received amount automatically to the account of the transaction partner in the event that the loan has not been provided.