KR100366239B1 - System and method of electronic commerce - Google Patents

Abstract

The present invention relates to an electronic commerce method and system, and provides an electronic commerce method and system that can quickly and transparently perform payments between goods suppliers and buyers through a financial institution in cyberspace.

In the e-commerce method according to the present invention, in the inter-business transaction settlement step, the delivery company sends the tax invoice through the cyber space, the billing for the delivery destination is created electronic documents and transmitted over the network via the financial institution . Subsequently, the supplier pays the delivery price in his / her own funds, or pays the delivery amount in cash by borrowing insufficient funds from a financial institution, thereby processing business such as receipt of payment tax invoice and VAT tax return due to the paper according to the prior art. The effect is simplified.

In addition, the electronic commerce method according to the present invention has the advantage that it is possible to omit the bill by the payment in the cyber space, it is easy to grasp the tax source.

Description

Electronic commerce method and system {SYSTEM AND METHOD OF ELECTRONIC COMMERCE}

TECHNICAL FIELD The present invention relates to methods and systems for electronic commerce, and more particularly, to a technology for performing inter-enterprise electronic commerce through a communication network.

Recently, in the process of commerce between a company and an individual or a company and a company, an electronic commerce technology for exchanging transaction information and paying a price through a terminal connected to a network has been used. Techniques for electronic commerce are disclosed in US Pat. No. 5,903,878 and Korean Patent Application Publication No. 99-87102.

By the way, the electronic commerce method according to the prior art uses the payment method such as bills, cash and credit cards according to the prior art in the commerce settlement step, there is a problem that additional business costs incurred in the actual e-commerce proceeds. . In addition, the commerce method according to the prior art has a problem that the problem of tax evasion through dataless transactions still exist in the commerce between companies.

Accordingly, a first object of the present invention is to provide a method and system for performing electronic commerce in cyberspace.

It is a second object of the present invention to provide an electronic commerce method and system which can replace the issuance of notes according to the prior art in the payment step of payment, in addition to the first object.

It is a third object of the present invention to provide an electronic commerce method and system capable of eradicating a dataless transaction that causes omission of taxes, etc., in addition to the first object.

A fourth object of the present invention is to provide an electronic commerce method and system capable of performing, in addition to the first object, an electronic document, a procedure of issuing a tax invoice, billing, and paying a delivery bill on a communication network.

1 is a diagram showing the configuration of an electronic commerce system according to the present invention;

2 is a work flow diagram illustrating an electronic commerce method in accordance with the present invention.

In order to achieve the above object, the present invention provides a method in which an article supplier, a financial institution, and an article buyer perform an electronic commerce through a communication network, wherein the financial institution receives an invoice and a tax invoice from the article supplier through the communication network Collecting the data in the form of an electronic document; Determining, by the financial institution, whether the article provider is a loan target; The financial institution notifying the tax institution of the sales invoice or tax invoice details; Determining, by the goods supplier, whether to be loaned, and transmitting the sales invoice and tax invoice to a goods buyer through the communication network; The buyer of the item metabolizing the sales invoice and tax invoice for each item supplier collected through the communication network; The article buyer notifying the tax authority of the sales invoice and the tax invoice details; The buyer of the article provides an electronic commerce method comprising requesting payment to the financial institution or requesting a loan in case of insufficient funds.

In order to achieve another object of the present invention, a method in which an article supplier, a financial institution, and an article buyer perform electronic commerce via a communication network, wherein the article supplier provides the financial institution with a billing specification electronic document through the communication network. Transmitting; The financial institution collecting the billing statement electronic document; The financial institution sending the billing statement electronic document to the article purchaser via the communication network; The buyer of the item confirms the billing statement described in the billing statement electronic document and transmits a payment statement electronic document to the financial institution through the communication network requesting payment; The financial institution provides an electronic commerce method comprising depositing a payment in an account of a goods supplier in accordance with a payment request described in the payment statement electronic document.

Hereinafter, preferred embodiments of an electronic commerce method and system according to the present invention will be described in detail with reference to FIGS. 1 and 2.

1 is a view showing the configuration of an electronic commerce system according to the present invention. Referring to FIG. 1, an article supplier site 100, an article buyer site 250, a tax institution or central bank site 300, and a financial institution site 200 are shown. Each site is also connected via a communication network 150.

As a preferred embodiment of the communication network 150 according to the present invention, the Internet, a VAN, a dedicated line, a PC banking using a public network, a wireless communication network, and the like can be used. The financial institution site 200 according to the present invention collects and stores a delivery billing specification collection unit 210 which collects and stores the sales invoice or tax invoice transmitted from the article provider site 100 in the form of an electronic document through the communication network 150. And, it may include a delivery billing specification confirmation unit 220 for confirming and processing the transmitted sales invoice or tax invoice, the payment payment unit 230 for processing the amount of the sales invoice.

In addition, the financial institution site 200 according to the present invention is a means for registering the sales invoice or tax invoice 90 collected from the goods supplier site 100 in the database, and the tax invoice or revenue invoice item buyer site 250 Means for transmitting to the network.

Financial institution site 200 in accordance with the present invention may be provided with means for transmitting the tax invoice or sales invoice 90 to the tax institution or central bank site 300. The financial institution site 200 according to the present invention may further include authentication means for identifying a member's access status and authenticating the member's access status.

The financial institution site 200 according to the present invention may be provided with means for determining whether the article supplier of the article provider site 100 is a loan subject. Referring back to FIG. 1, the article buyer site 250 is connected to the financial institution site 200 via the communication network 150.

The article buyer site 250 according to the present invention may include a database for storing sales invoices or tax invoices collected via the communication network 150 and means for registering with them. The article buyer site 250 may further include means for sending the sales invoice or tax invoice sent from the financial institution site 200 to the tax institution site 300.

2 is a flowchart illustrating an electronic commerce method according to the present invention. Referring to FIG. 2, a comprehensive agreement is concluded between a goods supplier, a financial institution, and a buyer of goods, and the like (step S500). Subsequently, the financial institution site 200 collects the sales invoice and tax invoice in the form of an electronic document from the goods supplier through the communication network 150 (step S501).

On the other hand, the financial institution site 200 collects the tax invoices and sales invoice electronic documents sent by the goods supplier, and determines whether the loan target (step S502). As a result, it is possible to determine whether or not to apply for the loan, and send the tax invoice and the sales invoice electronic document to the article buyer site 250 (step S503), and notify the tax office or the IRS site (step S504).

Subsequently, the article purchaser site metabolizes the sales invoice and tax invoice for each cooperative company (step S505), requests a payment to the financial institution site 200, or requests a loan when the funds are insufficient (step S506). On the other hand, if it is determined in step S502 that the loan is subject to a loan, the financial institution keeps the tax invoice as a loan purpose (step S604), executes the loan to the article supplier (step S605), and sends it to the central bank as a result (step S606). )can do.

In the electronic commerce method according to the present invention, the article provider 100 transmits the billing statement electronic document to the financial institution 200 through the communication network 150, and the financial institution 200 collects the billing statement electronic document. Can be done. As a preferred embodiment according to the invention, the billing specification electronic document may be an electronic document in the form of a draft and may be accompanied by a tax invoice in the form of an electronic document.

In a preferred embodiment of the collection step according to the invention, the step of collecting a billing specification electronic document in the form of a draft sent by the article supplier 100, and the article provider 100 is an electronic document type tax invoice And transmitting to 200.

Subsequently, the financial institution 200 according to the present invention transmits the collected billing electronic document to the goods purchaser 250 through the communication network 150, and the goods buyer 250 sends the billing specification described in the billing electronic document. The payment statement electronic document requesting payment and requesting payment may be transmitted to the financial institution 200 through the communication network 150.

In addition, the financial institution 200 according to the present invention may deposit money in the account of the goods supplier 100 according to the payment request described in the payment statement electronic document. In a preferred embodiment according to the present invention, the step of depositing the money may be provided to the account of the goods supplier by donating funds when the payment amount of the goods buyer is insufficient, and notifying the central bank of the funding contents through the network. It may include the step.

The electronic commerce method according to the present invention may further comprise the financial institution 200 notifying the tax authority via the telecommunications network the contents of the tax invoice attached to the billing statement electronic document sent from the goods supplier. The article buyer 250 may further include notifying the tax authority via the communication network 150 the contents of the tax invoice attached to the billing statement electronic document sent from the financial institution 200.

The foregoing has outlined rather broadly the features and technical advantages of the present invention to better understand the claims of the invention which will be described later. Additional features and advantages that make up the claims of the present invention will be described below. It should be appreciated by those skilled in the art that the conception and specific embodiments of the invention disclosed may be readily used as a basis for designing or modifying other structures for carrying out similar purposes to the invention.

In addition, the inventive concepts and embodiments disclosed herein may be used by those skilled in the art as a basis for modifying or designing other structures for carrying out the same purposes of the present invention. In addition, such modifications or altered equivalent structures by those skilled in the art may be variously changed, substituted, and changed without departing from the spirit or scope of the invention described in the claims.

As described above, in the electronic commerce method according to the present invention, the delivery company sends the tax invoice through the cyber space in the inter-business commerce settlement step, and the billing for the delivery destination is created through the financial institution through the electronic institution Transmit over the network.

Subsequently, the delivery company pays the delivery price in his own money or pays the delivery money in cash by borrowing insufficient funds from a financial institution, thereby processing business such as receiving payment tax invoices and VAT tax declaration due to paper according to the prior art. The effect is simplified.

In addition, the electronic commerce method according to the present invention has the advantage that it is possible to omit the bill by the payment in the cyber space, it is easy to grasp the tax source.

Claims (16)

A method of providing goods, financial institutions and buyers of goods through e-commerce networks, The financial institution collecting the sales invoice and tax invoice in electronic form from the goods provider through the communication network; Determining, by the financial institution, whether the article provider is a loan target; The financial institution notifying the tax institution of the sales invoice or tax invoice details; If it is determined in the step of determining whether the loan is subject to loan or not, the financial institution transmits the sales invoice and the tax invoice to the buyer of the item through the communication network; The buyer of the item metabolizing the sales invoice and tax invoice for each item supplier collected through the communication network; The article buyer notifying the tax authority of the sales invoice and the tax invoice details; The buyer of the goods requesting payment to the financial institution, or in case of lack of funds, requesting a loan and the financial institution paying the goods supplier; E-commerce method comprising a. A method of providing goods, financial institutions and buyers of goods through e-commerce networks, The financial institution collecting the sales invoice and tax invoice in electronic form from the goods provider through the communication network; Determining, by the financial institution, whether the article provider is a loan target; Storing, by the financial institution, the tax invoice when the financial institution determines that the goods provider is the loan object in the determining whether the loan is subject to the loan; The financial institution executing a loan to the goods supplier, notifying the central bank and paying the goods supplier E-commerce method comprising a. The method of claim 1 or 2, wherein the communication network comprises any one or a combination of the Internet, a VAN, a leased line, a public network, and a wireless communication network. In an electronic commerce system, A financial institution site comprising means for determining whether a goods supplier is subject to a loan and authentication means for identifying and authenticating a connection state; An article provider site comprising a database storing sales invoices or tax invoices collected over a network and means for registering in the database; An article buyer site comprising means for sending said sales invoice or tax invoice to a tax authority site; With tax authorities or central bank sites; A communication network connecting the financial institution site with the article provider site, the article buyer site, the tax institution, or the central bank site, The financial institution site may include: a delivery billing specification collection unit configured to collect and store sales invoices or tax invoices transmitted from the article provider site in the form of an electronic document through the communication network; A delivery billing specification confirmation unit for checking and processing the transmitted sales invoice or tax invoice; Payout for processing the amount of the sales invoice Wherein the financial institution site includes means for registering the sales invoice or tax invoice collected from the article provider site into a database; Means for sending the tax invoice or sales invoice to the article buyer site; Means for sending said tax invoice or sales invoice to said tax authority or said central bank site E-commerce system comprising a. delete delete delete delete The electronic commerce method according to claim 1 or 2, further comprising the step of entering into a comprehensive agreement for the payment method between the goods supplier, the financial institution, and the goods buyer. 3. The method of claim 1 or 2, wherein the article provider and the financial institution further comprise the step of prescribing a loan agreement. A method of providing goods, financial institutions and buyers of goods through e-commerce networks, The goods supplier sending the billing specification electronic document in the form of a draft to the financial institution via the communication network; The financial institution collecting the billing statement electronic document; The goods supplier sending the tax invoice in the form of an electronic document to the financial institution; The financial institution sending the billing statement electronic document to the article purchaser via the communication network; The buyer of the item confirms the billing statement described in the billing statement electronic document and transmits a payment statement electronic document to the financial institution through the communication network requesting payment; The financial institution deposits the money in the goods supplier's account according to the payment request described in the payment statement electronic document, and if the money for the goods buyer is insufficient, the money is donated and deposited in the goods supplier's account. Notifying the central bank of the grant through the network E-commerce method comprising a. delete delete delete 12. The method of claim 11, wherein the financial institution further comprises notifying a tax authority through the telecommunications network the contents of the tax invoice attached to the billing statement electronic document sent from the article provider. 12. The method of claim 11, wherein the article buyer further comprises notifying a tax authority over the telecommunications network the contents of the tax invoice attached to the billing statement electronic document sent from the financial institution.