CN105339972A - Win-win payment method for goods received - Google Patents
Win-win payment method for goods received Download PDFInfo
- Publication number
- CN105339972A CN105339972A CN201480031229.XA CN201480031229A CN105339972A CN 105339972 A CN105339972 A CN 105339972A CN 201480031229 A CN201480031229 A CN 201480031229A CN 105339972 A CN105339972 A CN 105339972A
- Authority
- CN
- China
- Prior art keywords
- bond
- enterprise
- loan
- cooperative enterprise
- cooperative
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q10/00—Administration; Management
- G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Strategic Management (AREA)
- Economics (AREA)
- General Physics & Mathematics (AREA)
- Physics & Mathematics (AREA)
- Finance (AREA)
- Human Resources & Organizations (AREA)
- Accounting & Taxation (AREA)
- Marketing (AREA)
- Theoretical Computer Science (AREA)
- Development Economics (AREA)
- General Business, Economics & Management (AREA)
- Entrepreneurship & Innovation (AREA)
- Tourism & Hospitality (AREA)
- Quality & Reliability (AREA)
- Operations Research (AREA)
- Educational Administration (AREA)
- Game Theory and Decision Science (AREA)
- Technology Law (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The present invention relates to a win-win payment method for goods received and, more specifically, to a win-win payment method for goods received which can improve a corporate image through an effort for win-win growth between enterprises and increase evaluation scores of the government related to win-win growth, such as a shared growth index. A purchasing enterprise can secure a stable goods supply chain, reduced purchase costs and efficient management function of cooperation enterprises through competitiveness consolidation of the cooperation enterprises, without an additional expense burden. A primary cooperation enterprise can use a credit loan in case of emergency in such a manner that the primary cooperation enterprise pays for goods received from a lower cooperation enterprise by using a bond limit granted from the purchasing enterprise even when the credit line of the primary cooperation enterprise is maxed out. The primary cooperation enterprise can also obtain a loan repayment interest profit by redeeming a loan received from a financial company with a bond payment before the expiration of a loan period, thereby expecting a short-term fund operation effect. The lower cooperation enterprise can reduce management costs, obtain smooth fund management and prevent the risk of bankruptcy through a stable collection of payments for goods received. In addition, the financial company can create a new market as a new profit source by supporting the payment for goods received occurring between enterprises and receiving a commission thereon, reduce or disperse the risk involved in a cash loan, reduce management costs and efficiently establish a business network.
Description
Technical field
The present invention relates to a kind of mutually beneficial settlement method to COD (cash on delivery), more specifically, relate between enterprise and can improve corporate image by reciprocity principle, the mutually beneficial relevant evaluation index of the governments such as synchronous growth index can be improved, buy enterprise guarantees article stable supply without the need to increasing the competitive power of expense just by strengthening cooperative enterprise, save buying expenses, effectively obtain the management function of cooperative enterprise, even if the first cooperative enterprise does not have line of credit that the bond amount obtained from purchase enterprise also can be utilized to settle accounts the payment for goods of the next cooperative enterprise, therefore, credit can be applied flexibly in addition time busy, then the loan that the next cooperative enterprise of the bond interim repayment of gold is borrowed or lent money from financial company is utilized, can gather in the crops and return interest, thus can expect that short-term capital uses effect, the next cooperative enterprise is by stably collecting loans, smooth budgets for operation and prevention bankruptcy risks, save managerial cost, financial company supports the payment for goods produced in transaction between enterprise, therefrom collect service charge as new revenue source, thus can new markets be created, by loan cash, reduce and share danger, save managerial cost, effective mutually beneficial settlement method of payment for goods setting up business net.
Background technology
Recently, society requires more the synchronous growth between enterprise and mutual beneficial co-operation.
Usually, in domestic supply net (SupplyChain) structure, to buy the looping construct of goods batch centered by enterprise and cash flow, namely order goods, deliver goods, settlement process is, buy enterprise to order goods to the first cooperative enterprise, first cooperative enterprise is ordered goods to sale enterprise i.e. the second cooperative enterprise again, and the product that the second cooperative enterprise is prepared or surrendered then eventually passes through the production run of the first cooperative enterprise, and delivery is to buying enterprise.
Assume as a matter of course, order goods according to product second cooperative enterprise to the 3rd cooperative enterprise again, the 3rd cooperative enterprise also can be ordered goods to the 4th cooperative enterprise again, but is finally delivered goods to by the first cooperative enterprise to buy enterprise.
As above after completing delivery, buy enterprise to settle accounts to the first cooperative enterprise, then the first cooperative enterprise is settled accounts to the second cooperative enterprise, now, because goods batch and cash flow inconsistent, therefore, second cooperative enterprise the fastest for delivery activity or the 3rd, for the next cooperative enterprise of the fourth class, mobility occurs serious problem.
For this reason, following technology is disclosed in No. 10-0794254th, Republic of Korea's granted patent " the cooperative enterprise supporting service system for mutual benefit is managed ", carry out in electronic banking process in female enterprise and cooperative enterprise, for the cooperative enterprise signing delivery agreement, this electronics contract can be utilized to provide a loan, then repay the loan with payment for goods.
But, above prior art needs to assure the guarantee system of settlement relations and complex disposal process in addition, and, when for first cooperative enterprise delivery the next cooperative enterprise time be difficult to be suitable for, even if want to be suitable for, also because do not take in for the first cooperative enterprise, be therefore all reluctant to adopt.
Summary of the invention
The present invention proposes for solving described problems, its object is to, provides between a kind of enterprise and can improve corporate image by reciprocity principle, can improve the mutually beneficial settlement method of payment for goods of the mutually beneficial relevant evaluation index of the governments such as synchronous growth index.
Other objects of the present invention are, provide a kind of and buy enterprise guarantees article stable supply without the need to increasing the competitive power of expense just by strengthening cooperative enterprise, save buying expenses, effectively obtain the mutually beneficial settlement method of payment for goods of the management function of cooperative enterprise.
Other another objects of the present invention are, even if provide a kind of first cooperative enterprise not have line of credit that the bond amount obtained from purchase enterprise also can be utilized to settle accounts the payment for goods of the next cooperative enterprise, therefore, credit can be applied flexibly in addition time busy, then the loan that the next cooperative enterprise of the bond interim repayment of gold is borrowed or lent money from financial company is utilized, can gather in the crops and return interest, thus can expect that short-term capital uses the mutually beneficial settlement method of the payment for goods of effect.
Other another objects of the present invention are, provide a kind of the next cooperative enterprise by stably collecting loans, smooth budgets for operation and prevention bankruptcy risks, save the mutually beneficial settlement method of payment for goods of managerial cost.
Other another objects of the present invention are, a kind of financial company is provided to support the payment for goods produced in transaction between enterprise, therefrom collect service charge as new revenue source, thus can new markets be created, by loan cash, reduce and share danger, saving managerial cost, effectively setting up the mutually beneficial settlement method of payment for goods of business net.
For reaching described object, according to the mutually beneficial settlement method of payment for goods of the present invention, it comprises: the electronic marketing bond issue step from the purchase enterprise of the first cooperative enterprise reception product to the first cooperative enterprise distribution for the electronic marketing bond of payment for goods, first cooperative enterprise for mortgaging, sells bond issue step to the second cooperative enterprise distribution of the first cooperative enterprise for the first mutually beneficial first mutual benefit of selling bond of payment for goods to delivery with electronic marketing bond, second cooperative enterprise sells bond for mortgage, to the first loan application step of financial company's apply for loan with the first mutual benefit, financial company allows the loan of the second cooperative enterprise, then collects the first interest clearing step of the interest advance till loan expires from the second cooperative enterprise, and financial company is in the expiration day of electronic marketing bond, the settlement amounts of electronic marketing bond is taken out from the account buying enterprise, then confirm whether the first cooperative enterprise sells bond collateral loan with electronic marketing bond for mortgaging applying for electronic, when confirming apply for loan, repay the amount of the loan of electronic marketing bond collateral loan and the amount of the loan of the second cooperative enterprise, then remaining sum is imported in the account of the first cooperative enterprise, what is then remained to the expiration day the date redemption dates of the amount of the loan of the second cooperative enterprise loan returns the bond redemption step that interest imports the first cooperative enterprise account.
Comprise further after first interest clearing step: the n-th (n=2,3,4 ...) cooperative enterprise is with (n-1) mutually beneficial bond of selling for mortgaging, n-th mutually beneficial n-th mutual benefit of selling bond of issuing for payment for goods to (n+1) cooperative enterprise of the n-th cooperative enterprise to delivery sells bond issue step; (n+1) cooperative enterprise sells bond for mortgage, to the n-th loan application step of financial company's apply for loan with the n-th mutual benefit; And financial company allows the loan of (n+1) cooperative enterprise, then the n-th interest clearing step of the interest advance till loan expires is collected from (n+1) cooperative enterprise, can comprise further in bond redemption step, what is remained to the expiration day the date redemption dates of the amount of the loan of (n+1) cooperative enterprise loan returns the step that interest imports the first cooperative enterprise account.
Comprise further after first interest clearing step: the n-th (n=2,3,4 ...) cooperative enterprise is with (n-1) mutually beneficial bond of selling for mortgaging, n-th mutually beneficial n-th mutual benefit of selling bond of issuing for payment for goods to (n+1) cooperative enterprise of the n-th cooperative enterprise to delivery sells bond issue step; (n+1) cooperative enterprise sells bond for mortgage, to the n-th loan application step of financial company's apply for loan with the n-th mutual benefit; And financial company allows the loan of (n+1) cooperative enterprise, then the n-th interest clearing step of the interest advance till loan expires is collected from (n+1) cooperative enterprise, can comprise further in bond redemption step, what is remained to the expiration day the date redemption dates of the amount of the loan of (n+1) cooperative enterprise loan returns the step that interest imports the n-th cooperative enterprise account.
First mutually beneficial expiration day of selling bond can be the date identical with the expiration day of electronic marketing bond or the date more late than the expiration day of electronic marketing bond.
First mutually beneficial expiration day of selling bond can be the date identical with the expiration day of electronic marketing bond or the date more late than the expiration day of electronic marketing bond, and the n-th mutually beneficial expiration day of selling bond can be sells identical date expiration day of bond or late date expiration day of selling bond more mutually beneficial to (n-1) with (n-1) mutual benefit.
According to the mutually beneficial settlement method of payment for goods of the present invention, there is following effect.That is, can corporate image be improved by reciprocity principle between enterprise, the mutually beneficial relevant evaluation index of the governments such as synchronous growth index can be improved.
Buying enterprise without the need to increasing expense just by strengthening the competitive power of cooperative enterprise, guaranteeing the stable supply of article, saving buying expenses, effectively obtain the management function of cooperative enterprise.
Even if the first cooperative enterprise does not have line of credit that the bond amount obtained from purchase enterprise also can be utilized to settle accounts the payment for goods of the next cooperative enterprise, therefore, credit can be applied flexibly in addition time busy, then the loan that the next cooperative enterprise of the bond interim repayment of gold is borrowed or lent money from financial company is utilized, can gather in the crops and return interest, thus can expect that short-term capital uses effect.
The next cooperative enterprise is by stably collecting loans, and smooth budgets for operation and prevention bankruptcy risks, save managerial cost.
Financial company supports the payment for goods produced in transaction between enterprise, therefrom collects service charge as new revenue source, thus can create new markets, by loan cash, reduces and shares danger, saving managerial cost, effectively sets up business net.
Accompanying drawing explanation
Fig. 1 utilizes to sell bond and the precedence diagram repaid according to payment for goods of the present invention mutually beneficial settlement method distribution first is mutually beneficial.
Fig. 2 utilizes to issue first and second mutually beneficial precedence diagram sold bond and also repay according to the mutually beneficial settlement method of payment for goods of the present invention.
Fig. 3 is in the mutually beneficial settlement method of payment for goods according to the present invention, briefly shows electronic marketing bond and first and second mutually beneficial process flow diagram selling issue of bonds.
Fig. 4 and Fig. 5 is according in the mutually beneficial settlement method of the payment for goods of one embodiment of the invention, processing flow chart when electronic marketing bond expires.
Fig. 6 and Fig. 7 is in the mutually beneficial settlement method of payment for goods according to other embodiments of the invention, processing flow chart when electronic marketing bond expires.
Fig. 8 is the network skeleton diagram of the settlement system utilized according to the mutually beneficial settlement method of payment for goods of the present invention.
Fig. 9 is the schematic diagram of an example of operating mechanism according to the mutually beneficial settlement method of payment for goods of the present invention.
For the optimal morphology carried out an invention
Below, be described in detail with reference to accompanying drawing.But drawing, only for example, is not intended to limit the present invention.Now, the n recorded in this instructions is the numeral continuing to increase natural number 1 from natural number 2.
Fig. 1 utilizes to sell bond and the precedence diagram repaid according to payment for goods of the present invention mutually beneficial settlement method distribution first is mutually beneficial, Fig. 2 utilizes to issue first and second mutually beneficial precedence diagram sold bond and also repay according to the mutually beneficial settlement method of payment for goods of the present invention, Fig. 3 is in the mutually beneficial settlement method of payment for goods according to the present invention, briefly shows electronic marketing bond and first and second mutually beneficial process flow diagram selling issue of bonds.Now, in this instructions, the mutual benefit of indication is sold bond and is referred to the first cooperative enterprise with the payment for goods bond obtained from purchase enterprise for mortgage distribution, or the next cooperative enterprise is the payment for goods bond that mortgage is issued using the mutual benefit obtained from upper cooperative enterprise as payment for goods bond sale bond.
First, as shown in Figure 1, utilize that payment for goods mutually beneficial settlement method distribution first is mutually beneficial sells bond and the order of repaying comprises electronic marketing bond issue step (S100), first mutually beneficially sells bond issue step (S200), the first loan application step (S300), the first interest clearing step (S400) and bond redemption step (S500).
Electronic marketing bond issue step (S100) is to the payment for goods bond of payment for goods and the step of electronic marketing bond from the purchase enterprise that the first cooperative enterprise receives product to the first cooperative enterprise distribution.Buying the credit grade that enterprise is regulation, the business corporation that the financial status of to be such as credit grade be more than BBB is good, can be 30 large enterprises such as the enterprise of the mutual beneficial co-operation enterprise back-up program of encouraging government or the enterprise in operation cooperation support portion itself.First cooperative enterprise is the sale enterprise signing transaction relationship with purchase enterprise (large enterprises).As above the first cooperative enterprise can be the first sale enterprise signing transaction relationship with purchase enterprise (large enterprises), in addition, when the first sale enterprise plays the effect of purchase enterprise, the second sale enterprise of transaction relationship is signed with the first sale enterprise, when the second sale enterprise plays the effect of purchase enterprise, the 3rd sale enterprise etc. signing transaction relationship with the second sale enterprise becomes the first cooperative enterprise.
First mutually beneficial sell bond issue step (S200) be the first cooperative enterprise to buy the electronic marketing bond of enterprise's distribution for mortgage, to delivery to the payment for goods bond i.e. step of first mutually beneficial sale bond of the second cooperative enterprise distribution of the first cooperative enterprise for payment for goods.If when the first cooperative enterprise does not issue the first mutually beneficial sale bond, electronic marketing bond is identical with general bond.
First loan application step (S300) is that the second cooperative enterprise sells bond for mortgage, to the step of financial company's apply for loan with the first mutual benefit.
First interest clearing step (S400) is the loan that financial company allows the application in the first loan application step (S300) of the second cooperative enterprise, then collects the step of the interest advance till the loan expiration day from the second cooperative enterprise.
Bond redemption step (S500) is the expiration day of financial company at electronic marketing bond, the settlement amounts of electronic marketing bond is taken out from the account buying enterprise, then confirm whether the first cooperative enterprise sells bond collateral loan with electronic marketing bond for mortgaging applying for electronic, when confirming apply for loan, repay the amount of the loan of electronic marketing bond collateral loan and the amount of the loan of the second cooperative enterprise, then remaining sum is imported in the account of the first cooperative enterprise, what is then remained to the expiration day the date redemption dates of the amount of the loan of the second cooperative enterprise loan returns the step that interest imports the first cooperative enterprise account.
As shown in Figure 1, when supply system structure is made up of purchase enterprise, the first cooperative enterprise and the second cooperative enterprise, only repay the first mutually beneficial sale bond of the first cooperative enterprise distribution, but as shown in Figure 2, when the 3rd cooperative enterprise of oriented second cooperative enterprise delivery, and the second cooperative enterprise is wanted to issue mutually beneficial when selling bond, sell bond by the second cooperative enterprise distribution second is mutually beneficial.
Namely, first interest clearing step (S400) can comprise with first of the first cooperative enterprise distribution the mutually beneficial bond of selling for mortgage afterwards further, to delivering goods to second mutually beneficial second mutually beneficial sale bond issue step (S410) of selling bond of the 3rd cooperative enterprise distribution of the second cooperative enterprise for payment for goods.
Now, the 3rd cooperative enterprise can be comprised further with the second mutually beneficial bond of selling for mortgage, to the second loan application step (S420) of financial company's apply for loan; And financial company allows the loan of the 3rd cooperative enterprise application in the second loan application step (S420), then collect the second interest clearing step (S430) of the interest advance till loan expires from the 3rd cooperative enterprise.
Fig. 4 and Fig. 5 is according in the mutually beneficial settlement method of the payment for goods of one embodiment of the invention, processing flow chart when electronic marketing bond expires.
As shown in Figures 4 and 5, supply system structure is according to the product of delivery, can be the 4th, the 5th cooperative enterprise be final cooperative enterprise, instead of the 3rd cooperative enterprise be final cooperative enterprise, thus, the 3rd cooperative enterprise can with the second mutually beneficial bond of selling for mortgage distribution the 3rd mutual benefit sale bond.Namely, can comprise further: the n-th (n=2,3,4 ...) cooperative enterprise is with (n-1) mutually beneficial bond of selling for mortgaging, n-th mutually beneficial n-th mutual benefit of selling bond of issuing for payment for goods to (n+1) cooperative enterprise of the n-th cooperative enterprise to delivery sells bond issue step; (n+1) cooperative enterprise sells bond for mortgage, to the n-th loan application step of financial company's apply for loan with the n-th mutual benefit; And financial company allows the loan of (n+1) cooperative enterprise, then collect the n-th interest clearing step of the interest advance till loan expires from (n+1) cooperative enterprise.
Now, in bond redemption step (S500), as shown in Figures 1 and 2, financial company is in the expiration day of electronic marketing bond, the settlement amounts of electronic marketing bond is taken out from the account buying enterprise, repay the amount of the loan and the (n+1 of n-th (such as n=2) cooperative enterprise, such as 3) amount of the loan of cooperative enterprise, then remaining sum is imported in the account of the first cooperative enterprise, the redemption dates of the amount of the loan of then being provided a loan by n-th (such as 2) cooperative enterprise remains the interest of returning on date and imports in the account of the first cooperative enterprise to the expiration day, and by (n+1, such as 3) redemption dates of the amount of the loan of cooperative enterprise loan remains the interest of returning on date and also imports in the account of the first cooperative enterprise to the expiration day.
Embodiment described above, all settles accounts the interest of returning produced during the amount of the loan of the next for interim repayment cooperative enterprise to the first cooperative enterprise, thus more can apply flexibly the settlement system utilizing the mutually beneficial settlement method of payment for goods of the present invention.
Then, financial company confirms that whether the 2nd ~ (n+1) cooperative enterprise sells bond for the another apply for loan of mortgage with the 2nd ~ (n+1) mutual benefit, but during apply for loan, to repay the loan the amount of money in the expiration day of electronic marketing bond.
Fig. 6 and Fig. 7 is in the mutually beneficial settlement method of payment for goods according to other embodiments of the invention, processing flow chart when electronic marketing bond expires.
Shown in Fig. 6 and Fig. 7 in the mutually beneficial settlement method of payment for goods according to other embodiments of the invention, treatment scheme when electronic marketing bond expires and the embodiment shown in Fig. 4 and Fig. 5 almost similar, but in Fig. 4 and Fig. 5, return interest and all settle accounts the first cooperative enterprise, but in Fig. 6 and Fig. 7, return interest and directly settle accounts upper cooperative enterprise.
Namely, in bond redemption step (S500), financial company is in the expiration day of electronic marketing bond, the settlement amounts of electronic marketing bond is taken out from the account buying enterprise, repay the amount of the loan and the (n+1 of n-th (such as n=2) cooperative enterprise, such as 3) amount of the loan of cooperative enterprise, then remaining sum is imported in the account of the first cooperative enterprise, the redemption dates of the amount of the loan of then being provided a loan by n-th (such as 2) cooperative enterprise remains the interest of returning on date and directly imports in the upper cooperative enterprise i.e. account of the first cooperative enterprise to the expiration day, and by (n+1, such as 3) redemption dates of the amount of the loan of cooperative enterprise loan remains the interest of returning on date and imports in the account of n-th (such as 2) cooperative enterprise to the expiration day.
As above embodiment, settles accounts the interest of returning produced during the amount of the loan of the next for interim repayment cooperative enterprise to upper cooperative enterprise, thus makes upper cooperative enterprise obtain income in addition, and the next cooperative enterprise is stablized collect loans.
Fig. 8 is the network skeleton diagram of the settlement system utilized according to the mutually beneficial settlement method of payment for goods of the present invention.
As shown in Figure 8, utilize and roughly comprise server 100 according to the settlement system of the mutually beneficial settlement method of payment for goods of the present invention, buy enterprise terminal 200, first cooperative enterprise terminal 300 and the 2nd ~ (n+1) cooperative enterprise terminal 400.
Server 100 can be arranged on the financial companies such as bank or other place, but preferably receives the management of financial company.Server 100 comprises database (DB) and various module.
In the inscape of server 100, DB comprises electronic marketing bond DB110 and mutually beneficial sale bond DB120.In electronic marketing bond DB110, record has distribution electronic marketing issue of bonds enterprise (buying enterprise), collects the various information relevant to electronic marketing bond such as enterprise's (the first cooperative enterprise), issue date, expiration day, the bond amount of money, by stages issue amount, the amount of the loan, remaining sum, interest.Now, the relevant information of the mutual benefit sale bond being mortgage distribution can according to circumstances be recorded with electronic marketing bond.To sell in bond DB120 also basic record in mutual benefit to have the distribution mutual benefit similar with electronic marketing bond DB110 to sell issue of bonds enterprise (the first cooperative enterprise or the 2nd ~ (n+1) enterprise), collect the information such as enterprise's (the 2nd ~ (n+1) cooperative enterprise), issue date, expiration day, the bond amount of money, by stages issue amount, the amount of the loan, remaining sum and sell the information etc. of bond and electronic marketing bond as security in order to issue mutual benefit.
Electronic marketing bond issue module 130 is, from the purchase enterprise that the first cooperative enterprise is received by network advertisement to server, during various information namely when electronic marketing bond DB110 records distribution electronic marketing bond, distribution electronic marketing bond.Mutually beneficial bond issue module 120 of selling is, first cooperative enterprise of receiving from the second cooperative enterprise or the 2nd ~ (n+1) cooperative enterprise when mutual benefit sale bond DB120 records various information when issuing mutually beneficial sale bond, issue first or the 2nd ~ (n+1) mutually beneficial sale bond by network.Settlement module 150 comprise mutually beneficial sell bond retrieval module 151, loan processing module 153, interest advance collect module 155, return interest module 157 and balance module 159.Mutually beneficial bond retrieval module 151 of selling retrieves the amount that the mutual benefit of issuing based on an electronic marketing bond sells bond.Loan processing module 153 is all loans of confirmation based on an electronic marketing bond (electronic marketing bond, the first mutually beneficial sale bond, the 2nd ~ (n+1) mutual benefit sell bond) and the module of repaying the loan.It is that financial company allows the 2nd ~ (n+1) cooperative enterprise loan that interest advance collects module 155, then collects the module of the interest advance till the loan expiration day.Returning interest module 157 is that the interest of returning being remained to the expiration day the date redemption dates of the amount of the loan of the 2nd ~ (n+1) cooperative enterprise loan imports module in the account of the first cooperative enterprise.Balance module 159 comprises loan balance processing module 159a and bond and to expire processing module 159b, loan balance processing module 159a is after repaying all loans, remaining sum is imported the module of the account of the first cooperative enterprise, the bond processing module 159b that expires sells expiration day of bond in the first, the 2nd ~ (n+1) mutual benefit, after the account of this mutual benefit of distribution sale issue of bonds enterprise is withdrawn the money, import the module collected business account.Central processing unit 160 is the information controlled by buying enterprise terminal 200 or the first cooperative enterprise terminal 300, the 2nd ~ (n+1) cooperative enterprise terminal 400 import and export, and the processor of Control Server 10 entirety, effectively manage in the shortest time when not repeating various data.
Buying enterprise terminal 200 is the terminals buying enterprise's use, first cooperative enterprise terminal 300 is terminals that the first cooperative enterprise uses, 2nd ~ (n+1) cooperative enterprise terminal 400 is the next cooperative enterprises, namely to the second cooperative enterprise of the first cooperative enterprise delivery or to the 3rd cooperative enterprise etc. of the second cooperative enterprise delivery except the terminal eventually to the cooperative enterprise use except the first cooperative enterprise buying enterprise's delivery.Now, buy enterprise terminal 200 or the first cooperative enterprise terminal 300, 2nd ~ (n+1) cooperative enterprise terminal 400 normally desktop computer, the computers such as notebook computer, but be not limited thereto, can comprise and use utilization to have Wireless Telecom Equipment according to all types of of settlement system service of the mutually beneficial settlement method of payment for goods of the present invention by network attached server 100, namely the mobile phone (Cellularphone) communicated is carried out by wireless network or WiMAX, PCS Phone (PCSphone:PersonalCommunicationsServicesphone), the mobile terminals such as synchronous mode/asynchronous type IMT-2000 (InternationalMobileTelecommunication-2000), or PC (PalmPersonalComputer), palm PC (PDA:PersonalDigitalAssistant), smart mobile phone (Smartphone), WAP mobile phone (WAPphone:Wirelessapplicationprotocolphone), mobile game machine (mobileplay-station) etc. has all of user interface in order to connection server 100 wireless appliance/communication facilities.
Network can be interconnected server 100 and buy enterprise terminal 200, first cooperative enterprise terminal 300, the 2nd ~ (n+1) cooperative enterprise terminal 400, can be combined with in gauze or wireless network or intranet, telephone network, satellite network or mobile network more than one, or similar network uses.
In addition, server 100 also can comprise for interconnection network coupling arrangement or there is the database of other objects, there is the module etc. of other objects, but in order to easy understand the present invention, except forming main composition key element of the present invention, omit the explanation of the general inscape be known.
For the form carried out an invention
Below, the mutually beneficial settlement method of payment for goods of the present invention of as above structure is described in detail with reference to accompanying drawing.
Fig. 9 is the schematic diagram of an example of operating mechanism according to the mutually beneficial settlement method of payment for goods of the present invention.Herein, " discount " term in table refers to from financial company and to provide a loan this amount of money.
First, the first cooperative enterprise, to the delivery of purchase enterprise, is then bought enterprise and has been issued 60 days expired 1,000,000,000 yuan, electronic marketing bonds to the first cooperative enterprise.
Then, the first cooperative enterprise for mortgage, provides a loan 3 hundred million yuan from financial company with 1,000,000,000 yuan, electronic marketing bond, after then residue 700,000,000 yuan being held 15, has issued mutually beneficially sell 700,000,000 yuan, bond in 60 days expired first to the second cooperative enterprise.
Second cooperative enterprise in order to from mutually beneficial 300,000,000 yuan of selling in 700,000,000 yuan, bond of financial company's loan first, with the first mutually beneficial bond of selling for mortgage apply for loan, and financial company collect for the expiration day of loan 300,000,000 yuan from the second cooperative enterprise till interest advance.Now, financial company confirms whether the second cooperative enterprise is that credit forbids object, then based on the credit rating buying enterprise instead of the credit rating of the second cooperative enterprise, determines the length of maturity, interest, service charge etc.
Then, the second cooperative enterprise mutually beneficially will be sold after bond holds 15 days from the first mutually beneficial first of 300,000,000 yuan of removing loan and surplus 400,000,000 yuan of selling in 700,000,000 yuan, bond, issue mutually beneficially sell 400,000,000 yuan, bond in 60 days expired second to the 3rd cooperative enterprise.
3rd cooperative enterprise mutually beneficial sold 400,000,000 yuan, bond for mortgage with first and is provided a loan 300,000,000 yuan from financial company, and financial company is from the interest advance till collect for the expiration day of loan 300,000,000 yuan from the 3rd cooperative enterprise.
Now, the amount of the loan lent to second and third cooperative enterprise is saved in server 100 by financial company, thus can inquire about the overall loan volume relevant to this electronic marketing bond.
Then, financial company settles accounts at the end of month expiration day 2 of electronic marketing bond 1,000,000,000 yuan, the electronic marketing bond issued to the first cooperative enterprise from the account buying enterprise.Then, financial company repays with 1,000,000,000 yuan the electronic marketing bond collateral loan 300,000,000 yuan that the first cooperative enterprise is mortgage loan with electronic marketing bond.
Then, in the clearing that need to expire prestore withdraw the money settlement amounts specified account limited to 700,000,000 of the second cooperative enterprise yuan by financial company, then with 300,000,000 yuan of 700,000,000 yuan that prestore interim repayment second cooperative enterprise loans and 300,000,000 yuan of the 3rd cooperative enterprise loan, if what redemption dates of the amount of the loan that the second cooperative enterprise or the 3rd cooperative enterprise loan occur remained the date to the expiration day returns interest, then this is returned interest and all settle accounts to the first cooperative enterprise.Then, what produce during loan for process second cooperative enterprise returns interest, then settle accounts to upper cooperative enterprise i.e. the first cooperative enterprise, what produce during loan for process the 3rd cooperative enterprise returns interest, then settle accounts to upper cooperative enterprise i.e. the second cooperative enterprise.
Then, to March 15, the first mutually beneficial bond of selling was when expiring, and to expire clearing 100,000,000 yuan from the account that prestores of the first cooperative enterprise to the account that prestores of the second cooperative enterprise, and at 3 the end of month, the process that expires mutually beneficially sells bond to second of the 3rd cooperative enterprise distribution.
So, by the mutually beneficial settlement method of payment for goods of the present invention, use the settlement method of present situation of concluding the business between applicable enterprise, first cooperative enterprise can utilize the electronic marketing bond obtained from purchase enterprise, issues mutually beneficial sale bond or the reservation that expires from financial company's apply for loan or to the next cooperative enterprise by stages.
Now, when issuing mutually beneficial sale bond to the next cooperative enterprise by stages, can freely specify the bond amount of money and expiration day, and when receiving the 2nd ~ (n+1) cooperative enterprise that the mutual benefit of by stages issuing sells bond to financial company's apply for loan, the low interest condition of applicable purchase enterprise benchmark.
In addition, the first cooperative enterprise can be in full from the electronic marketing bond of loan purchase enterprise of financial company distribution.
As mentioned above, one skilled in the art should appreciate that and can be embodied as other concrete forms when not changing technological thought of the present invention or essential feature.
Therefore, above embodiment is only for example, and being not used in restriction, scope of the present invention should be determined according to right, and all changes of deriving from the implication of right, scope and its equivalent concepts or deformation form all belong to scope of the present invention.
Industrial utilization possibility
Can in clearing technical field between enterprise and applied technical field thereof according to the mutually beneficial settlement method of payment for goods of the present invention, as industrial and use.
Claims (5)
1., to a mutually beneficial settlement method for COD (cash on delivery), its network utilizing server, terminal and connect described server and described terminal, is characterized in that, comprising:
By being connected to the terminal of the purchase enterprise of described server, distribution is equivalent to the electronic marketing bond issue step of the electronic marketing bond of the payment for goods of the first cooperative enterprise to the delivery of described purchase enterprise;
By being connected to the terminal of described first cooperative enterprise of described server, with the electronic marketing bond issued in described electronic marketing bond issue step for mortgage, issue the first mutually beneficial first mutually beneficial sale bond issue step of selling bond of the payment for goods of the second cooperative enterprise be equivalent to described first cooperative enterprise delivery;
By being connected to the terminal of described second cooperative enterprise of described server, to sell bond for mortgage, to the first loan application step of described server apply for loan in the described first mutually beneficial first mutual benefit of issuing in bond issue step of selling;
Described server allows the loan applied in described first loan application step, then collects the first interest clearing step of the interest advance till loan expires from the account of described second cooperative enterprise; And
Described server is in the expiration day of described electronic marketing bond, the settlement amounts of described electronic marketing bond is collected from the account of described purchase enterprise, then import in the account of described first cooperative enterprise, but need to confirm whether described first cooperative enterprise sells bond collateral loan with described electronic marketing bond for mortgaging applying for electronic, when confirming the described electronic marketing bond collateral loan of application, the amount of the loan of described electronic marketing bond collateral loan and the amount of the loan of described second cooperative enterprise is repaid by the settlement amounts of the described electronic marketing bond collected, then remaining sum is imported in the account of described first cooperative enterprise, what is then remained to the expiration day the date redemption dates of the amount of the loan of described second cooperative enterprise loan returns the bond redemption step that interest imports described first cooperative enterprise account.
2. the mutually beneficial settlement method of payment for goods according to claim 1, is characterized in that,
Comprise further after the first interest clearing step:
By being connected to the n-th (n=2,3,4 of described server ...) terminal of cooperative enterprise, sell bond for mortgage with (n-1) mutual benefit, issue the n-th mutually beneficial n-th mutually beneficial sale bond issue step of selling bond of the payment for goods of (n+1) cooperative enterprise be equivalent to described n-th cooperative enterprise delivery;
By being connected to the terminal of described (n+1) cooperative enterprise of described server, with the described n-th mutually beneficial bond of selling for mortgage, to the n-th loan application step of described server apply for loan; And
Described server allows the loan of described (n+1) cooperative enterprise, then collects the n-th interest clearing step of the interest advance till loan expires from the account of described (n+1) cooperative enterprise,
Comprise further in described bond redemption step, what redemption dates of the amount of the loan that described (n+1) cooperative enterprise is provided a loan by described server remained the date to the expiration day returns the step that interest imports described first cooperative enterprise account.
3. the mutually beneficial settlement method of payment for goods according to claim 1, is characterized in that,
Comprise further after the first interest clearing step:
By being connected to the n-th (n=2,3,4 of described server ...) terminal of cooperative enterprise, sell bond for mortgage with (n-1) mutual benefit, issue the n-th mutually beneficial n-th mutually beneficial sale bond issue step of selling bond of the payment for goods of (n+1) cooperative enterprise be equivalent to described n-th cooperative enterprise delivery;
By being connected to the terminal of described (n+1) cooperative enterprise of described server, with the described n-th mutually beneficial bond of selling for mortgage, to the n-th loan application step of described server apply for loan; And
Described server allows the loan of described (n+1) cooperative enterprise, then collects the n-th interest clearing step of the interest advance till loan expires from the account of described (n+1) cooperative enterprise,
Comprise further in described bond redemption step, what redemption dates of the amount of the loan that described (n+1) cooperative enterprise is provided a loan by described server remained the date to the expiration day returns the step that interest imports described n-th cooperative enterprise account.
4. the mutually beneficial settlement method of payment for goods according to claim 1, is characterized in that, the described first mutually beneficial expiration day of selling bond was the date identical with the expiration day of described electronic marketing bond or the date more late than the expiration day of described electronic marketing bond.
5. the mutually beneficial settlement method of the payment for goods according to Claims 2 or 3, is characterized in that,
Described first mutually beneficial expiration day of selling bond was the date identical with the expiration day of described electronic marketing bond or the date more late than the expiration day of described electronic marketing bond,
The described n-th mutually beneficial expiration day of selling bond sells identical date expiration day of bond or late date expiration day of selling bond more mutually beneficial to described (n-1).
Applications Claiming Priority (3)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| KR10-2013-0064341 | 2013-06-04 | ||
| KR1020130064341A KR101353075B1 (en) | 2013-05-08 | 2013-06-04 | Bill account method for supplying of goods |
| PCT/KR2014/004567 WO2014196752A1 (en) | 2013-06-04 | 2014-05-22 | Win-win payment method for goods received |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN105339972A true CN105339972A (en) | 2016-02-17 |
Family
ID=52008797
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201480031229.XA Pending CN105339972A (en) | 2013-06-04 | 2014-05-22 | Win-win payment method for goods received |
Country Status (2)
| Country | Link |
|---|---|
| CN (1) | CN105339972A (en) |
| WO (1) | WO2014196752A1 (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107153952A (en) * | 2016-03-03 | 2017-09-12 | 阿里巴巴集团控股有限公司 | Shopping settlement method and device |
Citations (9)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1423788A (en) * | 1999-11-12 | 2003-06-11 | 威廉E·柯克西 | A collaterally secured debt obligation and method of creating same |
| CN1441568A (en) * | 2002-02-27 | 2003-09-10 | 佐藤通洋 | Security offering system and new market forming method |
| JP2007066293A (en) * | 2005-06-10 | 2007-03-15 | Michihiro Sato | Issuing machine and issuing system |
| CN101154309A (en) * | 2006-09-25 | 2008-04-02 | 冲电气工业株式会社 | Trading system, trading method and trading server |
| KR20100095776A (en) * | 2009-02-23 | 2010-09-01 | 주식회사 코렘프 | The e-banking supporting system for win-win cooperation |
| CN101908192A (en) * | 2009-06-03 | 2010-12-08 | 中国工商银行股份有限公司 | Data processing method for realizing bond discount and premium distribution, server and system |
| CN102077229A (en) * | 2008-06-30 | 2011-05-25 | 雷德尼有限公司 | System, method and apparatus for providing universal financial transaction gateway for mobile computing devices |
| CN102956019A (en) * | 2011-08-17 | 2013-03-06 | 杨裴生 | System for realizing financial instrument and tool synthesis effect |
| CN103236022A (en) * | 2013-04-26 | 2013-08-07 | 孔庆发 | Online trading-based online credit method and data processing system |
Family Cites Families (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| KR100623663B1 (en) * | 2000-08-11 | 2006-09-13 | 주식회사 신한은행 | Method and Device for Bill Account by On-line Certified Contract |
| KR101175323B1 (en) * | 2012-04-16 | 2012-08-20 | 지비카드 주식회사 | Settlement system and method for supplying of goods |
-
2014
- 2014-05-22 CN CN201480031229.XA patent/CN105339972A/en active Pending
- 2014-05-22 WO PCT/KR2014/004567 patent/WO2014196752A1/en active Application Filing
Patent Citations (9)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1423788A (en) * | 1999-11-12 | 2003-06-11 | 威廉E·柯克西 | A collaterally secured debt obligation and method of creating same |
| CN1441568A (en) * | 2002-02-27 | 2003-09-10 | 佐藤通洋 | Security offering system and new market forming method |
| JP2007066293A (en) * | 2005-06-10 | 2007-03-15 | Michihiro Sato | Issuing machine and issuing system |
| CN101154309A (en) * | 2006-09-25 | 2008-04-02 | 冲电气工业株式会社 | Trading system, trading method and trading server |
| CN102077229A (en) * | 2008-06-30 | 2011-05-25 | 雷德尼有限公司 | System, method and apparatus for providing universal financial transaction gateway for mobile computing devices |
| KR20100095776A (en) * | 2009-02-23 | 2010-09-01 | 주식회사 코렘프 | The e-banking supporting system for win-win cooperation |
| CN101908192A (en) * | 2009-06-03 | 2010-12-08 | 中国工商银行股份有限公司 | Data processing method for realizing bond discount and premium distribution, server and system |
| CN102956019A (en) * | 2011-08-17 | 2013-03-06 | 杨裴生 | System for realizing financial instrument and tool synthesis effect |
| CN103236022A (en) * | 2013-04-26 | 2013-08-07 | 孔庆发 | Online trading-based online credit method and data processing system |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107153952A (en) * | 2016-03-03 | 2017-09-12 | 阿里巴巴集团控股有限公司 | Shopping settlement method and device |
Also Published As
| Publication number | Publication date |
|---|---|
| WO2014196752A1 (en) | 2014-12-11 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US8150764B2 (en) | System, program product, and method to authorize draw for retailer optimization | |
| CN102214337A (en) | Commodity transaction settlement method and system | |
| CN104599176A (en) | Artificial intelligent accounting bookkeeping system and method | |
| CN103236022A (en) | Online trading-based online credit method and data processing system | |
| CN101421755A (en) | Computer system and method for trading clipper financial instruments | |
| CN107967594A (en) | Reconciliation settlement method and reconciliation settlement system | |
| WO2017203835A1 (en) | Fractional funds transfer/accumulation device, program, and method | |
| CN101989337A (en) | Control method and control device for realizing safe payment in payment system | |
| CN101840560A (en) | Electronic voucher purchase and payment system and method based on all-in-one card platform | |
| CN104718554A (en) | System for unsecured funding to credit card member store via purchase of undetermined future credit obligation | |
| CN109615468A (en) | A kind of receipts payment administrative system and method | |
| CN108985840A (en) | A kind of block chain electric business price protection is supported and debt-credit payment system and method | |
| CN108256844A (en) | Method of payment is settled accounts in a kind of tradition supply chain financial field | |
| JP2004192587A (en) | Instalment saving type margined foreign exchange trading system | |
| JP2011528464A (en) | Electronic payment method | |
| KR101353075B1 (en) | Bill account method for supplying of goods | |
| JP5319661B2 (en) | Financial transaction method | |
| KR101144115B1 (en) | Electronic Financial Deal Method and System for Settling Account Using Payment of Goods Received for Loan of Purchasing Corporation Credit to Selling Corporation Recommended by Purchasing Corporation | |
| CN105339972A (en) | Win-win payment method for goods received | |
| KR102472450B1 (en) | System for providing settlement instant payment service | |
| KR20090001646A (en) | Method and system for processing floating-to-fixed interest rate swap derived from associating with floating loan | |
| JP2005174033A (en) | Payment system for credit | |
| KR20180032261A (en) | System of protecting crowd funding | |
| KR20040095524A (en) | Method of reserving and using points on making a purchase | |
| JP2014029742A (en) | Storage medium on which financial products lease transaction program is recorded, financial products lease transaction system, and financial products lease transaction method |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| RJ01 | Rejection of invention patent application after publication | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20160217 |