KR100512151B1 - Method and system for intermediating between an endorsor and an endorsee of a electronic bill - Google Patents

Abstract

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic billing brokerage system and method, and more particularly, to a system and method for providing an intermediary service for selling and auctioning electronic bills among a plurality of buyers and a plurality of sellers in a manner of selling, auctioning or reverse auctioning. According to the present invention, since the sale of electronic bills is established online and the transfer of ownership and payment of payments are enforced, the electronic bills can be safely traded. In addition, since the sale information and the auction item information and the corporate credit rating of the publisher and the endorsement of the electronic bill are linked, it is possible to easily and simply determine the reliability of the electronic bill and purchase the electronic bill.

Description

Electronic billing brokerage system and method {METHOD AND SYSTEM FOR INTERMEDIATING BETWEEN AN ENDORSOR AND AN ENDORSEE OF A ELECTRONIC BILL}

The present invention relates to an electronic bill management system and a management method, and more particularly, to a system and a method for brokering the trading of electronic bills.

The so-called bills of settlement between companies, which issue physical bills to sellers in exchange for purchasing goods, have been popularized for a long time. The selling company may finance the cash by discounting the paper at the bank or by transferring the paper to a third party, even before the paper is due.

Recently, the government issued the 'Issuance and Distribution of Electronic Bills' enactment to issue and distribute electronic bills electronically. Electronic bills will be issued from 2005.1.1, and the Ministry of Justice designated electronic bill management agencies to register electronic bills. And plans to entrust payments. Electronic bills, unlike conventional papers in which paper issuers, holders, bill numbers, endorsers, etc. are listed on real paper, are issued electronically by electronic bill management institutions electronically displaying bill issuers, owners, and bill numbers. To register in a database. In the case of electronic paper bills, unlike real paper papers, there is little fear of forgery and forgery, and there is an advantage in that paper bills can be saved and collected.

On the other hand, Korean Patent Publication No. 2002-0004485 relates to a billing system on a website, and more particularly, to a system for trading bills on the Internet and selling real bills between a bill seller and a bill buyer. . According to the above-mentioned patent, when a trade between a seller and a seller is made through a clearing house established on the Internet, and each party is notified of the conclusion of the trade, the seller sells the real bill to the bank offline by the next day. The deductible amount is received, and the note buyer receives the real paper bill after depositing the amount excluding the fee. However, if the seller does not entrust the real bill after the sale is made, the sale itself is canceled. On the contrary, if the seller does not deposit the amount excluding the fee, the seller owns the real bill entrusted by the seller. Should be. That is, there is a problem that the simultaneous execution obligation of each party is not enforced online immediately after the sale is established.

In addition, since the buyer of the paper can receive and confirm the real paper after the sale is made, there is a problem that the error of the paper information registered in the system and the forgery or alteration of the real paper cannot be confirmed before the sale is made.

On the other hand, the registered patent (10-0403278) provides a paper auction system and method through the network, specifically, when the seller to register the paper as the auction, the buyer to bid by presenting the discount rate. In progress, when the bid of the bill is successful, the deposit guide email is sent to the bill. According to the registered patent, as in the case of the published patent, the bill buyer may not deposit even after receiving the e-mail, and delivery of the physical bill of the bill buyer is not enforced. In other words, there is a problem that the security of the transaction is not guaranteed because the implementation of each party is not made in accordance with the sale.

The present invention was devised to solve the above problems, and provides an electronic bill trading brokerage system and method that can securely trade electronic bills by forcing ownership transfer and payment for payment at the same time that the electronic bills are sold online. Its purpose is to.

It is still another object of the present invention to provide an electronic billing brokerage system and method for providing an enterprise credit rating of an issuer and an endorsement of an electronic bill in connection with sale information and auction item information.

In order to achieve the above object, the electronic bill trading brokerage system according to the present invention is an electronic bill trading brokerage system for mediating electronic bill sales between the electronic bill seller and the electronic bill purchaser in association with the electronic bill management system. Specifically, a web server for providing a page necessary for brokering the sale to the terminal of the electronic bill seller and the terminal of the electronic bill buyer; A registration module for receiving the electronic bill information and selling condition data from the electronic bill seller through a terminal, and storing the information including the electronic bill information and the selling condition in a database; A property information database for storing information including the electronic bill information and selling condition data; When the purchase request of the electronic bill is received from the electronic bill purchaser, request the electronic bill management system to confirm the original of the electronic bill, and if it is confirmed that the original bill is received, the purchase price of the electronic bill is paid from the electronic bill purchaser. Transmitting data indicating that the owner of the purchased amount of the electronic bill has been changed from the electronic bill seller to the electronic bill purchaser to the electronic bill management system, and paying all or part of the trading price to the electronic bill seller. Transaction approval module; And when the electronic bill seller logs in and requests the registration of the sale of the electronic bill, the registration module is called. When the electronic bill purchaser requests the purchase of the electronic bill, a transaction approval module is called to process the broker. A controller in charge;

According to the present invention, when the electronic bill purchaser logs in to the system and inputs a search condition of the sale information, the store information corresponding to the search condition is read from the sale information database, and the issuer of the electronic bill of the sale information and And / or a retrieval module for reading an endorsement company credit information from a company credit information database and providing the terminal information to the terminal of the electronic bill purchaser.

According to the present invention, the corporate credit information database may be included in the system or operated in a separate corporate credit information management system.

According to another aspect of the invention, (a) when the electronic bill seller enters the information of the electronic bill to be sold after connecting to the system through a terminal, after receiving the information of the electronic bill seller of the electronic bill seller Providing a selling condition input page to the terminal; (b) when the selling condition is input through the terminal of the electronic bill by using the selling condition input page, storing the selling information including the selling condition in a database; (c) requesting the electronic bill management system to confirm the original of the electronic bill when the electronic bill purchaser logs in to the system through a terminal and requests the purchase of the electronic bill; (d) receiving a payment for the electronic bill from the electronic bill purchaser provided that the electronic bill is identified as an original in step (c); And (e) transmitting data indicating that the owner of the traded amount of the electronic bill has been changed from the electronic bill seller to the electronic bill purchaser to the electronic bill management system, and transmitting all or part of the trading bill to the electronic bill. Provided is an electronic billing brokerage method comprising the step of paying to the seller.

According to the present invention, in the step (a), when the electronic bill seller accesses the system through a terminal, the electronic bill management system receives the information of the electronic bill owned by the seller. Providing the electronic bill seller to the terminal; And (a2) if the electronic bill seller selects at least one electronic bill to be sold among the electronic bills, after receiving information of the electronic bill, providing a selling condition input page to a terminal of the electronic bill seller; It includes.

According to the present invention, the step (c) may include: (c1) if the electronic bill purchaser logs in to the system through the terminal and searches the electronic bill to be purchased from the information, the searched electronic bill of the electronic bill Providing corporate credit information of an issuer and / or endorsement to the terminal of the electronic bill purchaser; And (c2) when the electronic bill purchaser confirms the search result and the corporate credit information and selects at least one or more of the searched electronic bills through the terminal to request the purchase, the electronic bill management system displays the electronic bills. Requesting the original confirmation; preferably.

According to the present invention, the selling condition may include a selling amount that is a selling request amount of the electronic bill seller.

According to the present invention, in the step (c), when the electronic basin purchaser logs in to the system through a terminal and requests the purchase of electronic bills by inputting a purchase amount, the electronic bill management system checks the original of the electronic bills. In the requesting step, the purchase price in the step (d) relates to the purchase amount, and the purchase price in the step (e) may be the purchase amount.

Before the step (d), the electronic bill purchaser calculates and stores the tax amount for the interest generated by purchasing the electronic bill; in step (d), the electronic bill from the electronic bill purchaser It is preferable to receive the above tax amount in addition to the purchase price of the paper.

According to the present invention, after the step (e), (f) electronically paying the tax amount to the payment destination on the predetermined tax payment date; may further include.

In order to achieve the above object, the electronic billing brokerage system according to the present invention further comprises: a web server for providing a page necessary for brokerage in the terminal of the electronic bill seller and the terminal of the electronic bill buyer; A registration module for receiving electronic bill information and auction condition data from the electronic bill seller through a terminal, and storing auction item information including the electronic bill information and the auction condition in a database; An auction product information database for storing auction item information including information on the electronic bill and auction conditions; A bidding module for receiving a purchase condition from the electronic bill purchaser through a terminal and storing auction bidding information including the purchase condition and the electronic bill purchaser information in a database; When the bid deadline arrives or the bid deadline is satisfied and the bid of the electronic bill purchaser is successful, request the electronic bill management system to confirm the original of the electronic bill, and if it is confirmed that the original bid is the original, the electronic bill from the electronic bill purchaser. Receives a payment for the transaction, and transmits data indicating that the owner of the purchased amount of the electronic bill has been changed from the electronic bill seller to the electronic bill purchaser to the electronic bill management system, and transfers all or part of the transaction price. A transaction approval module for paying the electronic bill seller; And calling the registration module when the electronic bill seller requests the auction registration of the electronic bill by logging in, and calling the bid module when the electronic bill purchaser requests the bid of the electronic bill, to the transaction approval module. And a controller in charge of proceeding the auction to broker the auction.

According to another aspect of the invention, (a) when the electronic bill seller enters the information of the electronic bill to be sold after connecting to the system through a terminal, after receiving the information of the electronic bill seller of the electronic bill seller Providing an auction condition input page to the terminal; (b) registering auction by storing auction item information including the auction condition in a database when the auction condition is input through the terminal of the electronic bill using the auction condition input page; (c) auction bidding information including the purchase condition and the electronic bill purchaser information, when the electronic bill purchaser logs in to the system through a terminal and inputs the purchase condition of the electronic bill and bids the auction of the electronic bill; Storing the data in a database; (d) requesting confirmation of the original of the electronic bill by the electronic bill management system when the bid deadline arrives or the bid closing condition is satisfied and the bid of the electronic bill purchaser is successful; (e) receiving a payment for the electronic bill from the electronic bill purchaser provided that the electronic bill is identified as an original in step (d); And (f) transmitting data indicating that the owner of the traded amount of the electronic bill has been changed from the electronic bill seller to the electronic bill purchaser to the electronic bill management system, and all or part of the transaction price is transferred to the electronic bill. Provided is an electronic billing brokerage method comprising the step of paying to the seller.

According to the present invention, in the step (a), when the electronic bill seller accesses the system through a terminal, the electronic bill management system receives the information of the electronic bill owned by the seller. Providing the electronic bill seller to the terminal; And (a2) if the electronic bill seller selects at least one electronic bill to be sold among the electronic bills, after receiving information of the electronic bill, providing an auction condition input page to the terminal of the electronic bill seller; It includes.

According to the present invention, in the step (c), (c1) when the electronic bill purchaser logs in to the system through the terminal and searches for electronic bills to be auctioned from the auction item information, the electronic bill searched together with the search results Providing corporate credit information of the issuer and / or the endorser of the electronic bill purchaser to the terminal; And (c2) when the electronic bill purchaser confirms the search result and the corporate credit information, selects at least one or more of the searched electronic bills through the terminal, inputs a purchase condition, and bids at an auction. Storing auction bidding information including the electronic bill purchaser information in a database.

According to the present invention, before the step (e), the electronic bill buyer includes the step of calculating and storing the tax amount for the interest generated by purchasing the electronic bill; in step (e), the electronic In addition to the purchase price of the electronic bill, it is preferable to receive the tax amount from the bill purchaser.

According to the present invention, after the step (f), (g) electronically paying the tax amount to the payment destination on the predetermined tax payment date; may further include.

In order to achieve the above object, the electronic billing brokerage system according to the present invention comprises a web server for providing a page necessary for brokerage in the terminal of the electronic bill buyers and the terminal of the electronic bill buyers; A registration module for receiving reverse auction condition data from the electronic bill purchaser through a terminal and storing reverse auction information including the reverse auction condition in a database; A reverse auction information database that stores reverse auction information including the reverse auction condition; A bidding module for receiving a selling condition including electronic bill information from the electronic bill seller through a terminal, and storing reverse auction bidding information including the selling condition and the electronic bill seller information in a database; When the bid deadline arrives or the bid deadline is satisfied and the bid of the electronic bill seller is successful, the electronic bill management system is requested to confirm the original of the electronic bill, and if it is confirmed that the original bid is received from the electronic bill purchaser Receives a payment for the transaction, and transmits data indicating that the owner of the purchased amount of the electronic bill has been changed from the electronic bill seller to the electronic bill purchaser to the electronic bill management system, and transfers all or part of the transaction price. A transaction approval module for paying the electronic bill seller; And when the electronic bill purchaser logs in to request reverse auction registration of the electronic bill, calling the registration module. When the electronic bill seller requests bid of the electronic bill, the bid module is called. And a controller in charge of the process of mediating the reverse auction by advancing the reverse auction.

According to another aspect of the invention, (a) when the electronic bill purchaser enters the reverse auction conditions to purchase after connecting to the system through a terminal, storing the reverse auction information including the reverse auction conditions in a database ; (b) after the electronic draft seller logs in to the system through a terminal and enters a selling condition including information of the electronic bill, and bids the reverse auction, the reverse auction bidding includes the selling condition and the electronic draft seller information. Registering the reverse auction by storing the information in a database; (c) when the bid deadline arrives or the bid deadline is satisfied and the bid of the electronic draft seller is automatically successful or the bid is made by the electronic draft buyer, request the electronic bill management system to confirm the original of the electronic draft. Making; (d) receiving a payment for the electronic bill from the electronic bill purchaser provided that the electronic bill is identified as an original in step (c); And (e) transmitting data indicating that the owner of the traded amount of the electronic bill has been changed from the electronic bill seller to the electronic bill purchaser to the electronic bill management system, and transmitting all or part of the trading bill to the electronic bill. Provided is an electronic billing brokerage method comprising the step of paying to the seller.

According to the present invention, in the step (b), when the electronic bill seller accesses the system through the terminal, the electronic bill management system receives the information of the electronic bill owned by the electronic bill seller from the electronic bill management system. Providing the electronic bill seller to the terminal; And (b2) when the electronic bill seller selects at least one electronic bill to be sold among the electronic bills and inputs a selling condition to bid the reverse auction, the reverse auction bidding includes the selling condition and the electronic bill seller information. Storing the information in a database.

According to the present invention, the successful bidding by the electronic bill purchaser in the step (c) is performed by the publisher and / or the endorsement of the electronic bill together with the reverse auction bidding information when the electronic bill purchaser accesses the system through a terminal. Providing credit information to the terminal of the electronic bill purchaser, wherein the electronic bill purchaser confirms the reverse auction bidding information and the corporate credit information, and then selects and bids at least one of the reverse auction bidding through the terminal. It may be done.

According to the present invention, before the step (d), the electronic bill buyer further comprises the step of calculating and storing the tax amount for the interest generated by purchasing the electronic bill; in step (d), In addition to the purchase price of the electronic bill, the tax amount may be paid from the electronic bill purchaser.

According to the present invention, after the step (e), it is preferable to further include; (f) electronically paying the tax amount to the payment destination on the predetermined tax payment date.

According to another aspect of the present invention, (a) when the electronic bill purchaser logs into the system through the terminal and enters a purchase condition to apply for purchase notification, the purchase notification application information including the purchase condition is stored in a database. Making; (b) inquiring in real time whether a sale or auction meeting the purchase condition is registered from the terminal of the electronic bill seller; And (c) if a sale or auction item meeting the purchase condition is registered, delivering the registration fact of the sale or auction item to the electronic bill purchaser.

According to the present invention, in the step (c), when a sale or auction meeting the purchase condition is registered, a short message is sent to the mobile phone of the electronic bill purchaser or an e-mail is sent to the mail account of the electronic bill purchaser. It may be a step of delivering the registration of the sale or auction by sending.

According to another aspect of the present invention, (a) when the seller of electronic bills log in to the system through a terminal and enters a selling condition to apply for selling notification, the selling notification request information including the selling condition is stored in a database. Making; (b) inquiring, in real time, whether a reverse auction corresponding to the selling condition is registered from the terminal of the electronic bill purchaser; And (c) if the reverse auction satisfying the selling condition is registered, transmitting a registration fact of the reverse auction to the terminal of the electronic bill seller.

According to the electronic bill trading brokerage system and method of the present invention as described above, it is possible to broker the electronic bill trading safely and easily.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a conceptual diagram of electronic billing brokerage according to an embodiment of the present invention. Referring to the concept of the electronic billing brokerage method according to the present invention with reference to the drawings, the purchaser first issues the electronic bill to the electronic bill management system 500 in return for receiving the product to the selling company to provide to the selling company. . When the selling company wants to sell the electronic bill to a third party, the seller sells the electronic bill as a sale (or auction) and registers the sale (or auction) as the electronic bill seller. The electronic bill purchaser connects to the electronic bill trading brokerage system 100 to request a purchase or to request reverse auction.

Electronic bill sales brokerage system 100 confirms to the electronic bill management system 500 that the electronic bill is the original. If it is found to be original, approve the sale, auction, and reverse auction between the seller of electronic bills and the buyer of electronic bills, instruct the seller of electronic bills to pay the seller of the bills, and pay the owner of the amount of money sold in the electronic bills. Change to Seller. After the expiration date, the bill of principal is finally paid to the buyer of the electronic bill through the electronic bill management system 500 from the purchasing company. However, when the electronic bill transaction brokerage system 100 pays the withholding tax on interest income, when the payment is made from the electronic bill purchaser, the payment is made up to the amount of the tax in advance, and then the relevant payment agency (the competent tax office) Pay the tax amount

When the expiration date of the electronic bill arrives, the principal of the electronic bill is paid from the purchasing company (issuer of the electronic bill) to the electronic bill purchaser who is the current owner of the paper via the electronic bill management system 500.

The present invention mediates the electronic bill trading between the parties through the above concept.

2 is a diagram illustrating a network configuration of an electronic billing brokerage system, an electronic bill management system, an enterprise credit information management agency, an electronic bill seller, and a buyer terminal according to an embodiment of the present invention, and FIG. It is a schematic diagram of the paper brokerage system. 2 and 3, the electronic billing brokerage system 100 of the present invention (hereinafter, 'system 100') is an electronic bill management system 500 for operating the electronic bill issuing database 501 through the information communication network And a business credit information management system 600 that operates a business credit information database 601, and brokers the electronic bill trading between the terminal 200 of the electronic bill seller and the terminal 300 of the electronic bill purchaser. .

The electronic bill trading system 100 includes a control unit 101; a web server 102; a registration module 103; Search module 104; Bidding module 105; Transaction approval module 106; Tax calculation module 107; Notification module 108, the database includes a member information database (not shown); Property information database 111; Auction information database 121; Reverse trade information database 131; Auction bidding information database 122; Reverse auction bidding information database 132; Transaction approval database 113; Auction approval history database 123; Reverse auction approval database 133; Tax information database 141; Purchase notification application database 151; The selling notification application database 152 is provided.

Here, the information communication network means a data communication network in a comprehensive sense, which is connected to each other by various networks including a LAN, a WAN, an intranet, and similar internal networks, and provides access to the Internet, and includes a private network and a public telephone network. It should be understood to include mobile networks, satellite networks and wireless networks such as IMT-2000 as well as wired networks that include (PSTN).

Here, the electronic bill management system 500 is a system for operating the electronic bill issuing database 501, and is a system for issuing and registering electronic bills and paying the bill on the maturity date. One or more may be designated as an institution for operating the electronic bill management system 500. Electronic bill management system 500 may be associated with the electronic bill trading brokerage system 100 of the present invention, the electronic bill management system 500 may include an electronic bill trading brokerage system 100. Here, the former case will be described with an example.

When the electronic bill management system 500 receives an original confirmation request for the electronic bill from the system 100, the electronic bill management system 500 checks the electronic bill issuing database 501 to check whether the electronic bill is normally registered, and checks the result of the electronic bill. To pass on. When the owner of a specific electronic bill is changed from the electronic bill seller to the electronic bill buyer by the system 100, the electronic bill owner information stored in the electronic bill issuing database 501 is transmitted to the electronic bill seller. Change to the note buyer. If data indicating that the owner of a portion of the electronic bill principal (purchase amount or purchase amount) has been changed from the electronic bill seller to the electronic bill purchaser is received from the system 100, the portion of the electronic bill is divided from the principal. After assigning a new identification code, the owner of the segmented bill is marked as an electronic bill buyer. In addition, when the bill is due from the draft issuer, the bill is paid to the current owner of the bill stored in the electronic bill issuing database 501.

Electronic bill issuing database 501 stores the information of the electronic bill issued by the electronic bill management system 500. Specifically, the electronic bill identification code, the owner identification code, the electronic bill original amount, the issue date, the maturity date, the issuer identification code, the endorsement identification code, endorsement frequency, payment destination information and the like. The electronic bill identification code may be a serial number, and the issuer or endorsement identification code may be a business (or corporation) registration number and / or an ID (ID) issued by the electronic bill management system 500 separately.

Here, the corporate credit information management system 600 is a business operator operating the corporate credit information database 601, and is a system for providing corporate credit information of an electronic bill issuer or a seller to the system 100. In Korea, the present invention is currently operating in Korea credit information, Korea credit rating information and the like, but the present invention is not limited thereto. In addition, although the corporate credit information management system 600 may be associated with the electronic billing brokerage system 100 of the present invention, the system 100 may be the corporate credit information database 601 and the corporate credit information management system 600. ) Can be built and operated on its own. Here, the former case will be described with an example.

The corporate credit information database 601 stores corporate credit information. Specifically, the corporate credit information stores the company's identification code, the company's credit rating, and other companies' credit information. The identification code of the company may be a business registration number (or corporate registration number) or an ID (ID) issued by the corporate credit information management system 600.

Here, the electronic bill seller terminal 200 is a terminal for the electronic bill holder (sales company) to access the system 100 to register the sale (or auction) information in order to sell the electronic bill. , Personal digital assistant (PDA), cellular phone, PCS, and the like, but the present invention is not limited thereto.

Here, the terminal 300 of the electronic bill purchaser is a terminal for a user who wants to purchase electronic bills to access the system 100 to make a purchase request or to register reverse auction information, which is also a desktop computer, a laptop computer, a portable personal information terminal. (PDA), cellular phone, PCS, etc., but the present invention is not limited thereto.

The control unit 101 of the system 100 calls the registration module 103 when the electronic bill seller 200 logs in to the system 100 and requests the registration of the electronic bill, and the electronic bill purchaser 300 receives the electronic bill. When the purchase of the paper is requested, the transaction approval module 106 is called to handle the processing necessary for brokering the sale. In addition, in case of auction, when the electronic bill seller requests the auction registration of the electronic bill by logging in to the system 100, the registration module 103 is called, and when the electronic bill purchaser requests bid of the electronic bill, the bid module 105 ), The transaction approval module 106 proceeds with the auction, and takes care of the processing necessary to broker the auction. In addition, in the case of reverse auction, when the electronic bill buyer requests the reverse auction registration of the electronic bill by logging in to the system 100, the registration module 103 is called, and when the electronic bill seller requests bid of the electronic bill, the bid module is called. Then, the transaction approval module 106 is responsible for the processing necessary for mediating the reverse auction, such as advancing the reverse auction.

The web server 102 provides a page necessary for mediation of electronic bills to the terminal 200 of the electronic bill seller and the terminal 300 of the electronic bill purchaser. Specifically, there may be a login page, a sale (auction / reverse auction) registration page, a sale (auction / reverse auction) search result page, a bid page, an approval result page, and the like.

The registration module 103 receives the electronic bill information and selling condition data from the terminal 200 of the electronic bill seller, and stores the information including the information and selling condition of the electronic bill in the property information database 111. do. In the case of an auction, the electronic bill information and auction condition data are received from the terminal 200 of the electronic bill seller, and the auction item information including the electronic bill information and the auction condition is stored in the auction item information database 121. . In the reverse auction, the reverse auction condition data is received from the terminal 300 of the electronic bill purchaser and the reverse auction information information including the reverse auction condition is stored in the reverse auction information database 131. Here, the detailed description of the sale information, auction information, reverse reverse information will be described in the description of the database in which each information is stored.

When the terminal 300 of the electronic bill purchaser logs in to the system 100 and inputs a search condition of the property information, the search module 104 searches the property information database 111 for sale information corresponding to the search condition. In addition, the credit information of the publisher and / or the endorsement of the electronic bill is read from the corporate credit information database 601 and provided to the terminal of the electronic bill purchaser together with the property information. In addition, when the terminal 300 of the electronic bill purchaser logs in to the system 100 and inputs a search condition of the auction item information, the auction item information corresponding to the search condition is read from the auction item information database 121, The corporate credit information of the issuer and / or the endorsement of the electronic bill is read from the corporate credit information database 601 and provided to the terminal of the electronic bill purchaser together with the auction item information. As mentioned above, the corporate credit information may be provided by requesting the corporate credit information management system 600, or the corporate credit information database is directly provided when the corporate credit information database 601 is provided in the system 100. Although it can be read from 601, the present invention is not limited thereto.

The bidding module 105 receives a purchase condition from the terminal 300 of the electronic bill purchaser and stores the auction bidding information including the purchase condition and the electronic bill purchaser information in the auction bidding information database 122. In the case of reverse auction, the seller receives the selling condition from the terminal 200 of the electronic draft seller and stores the reverse auction bidding information including the selling condition and the electronic draft seller information in the reverse auction bidding information database 132.

When the purchase approval module 106 receives the purchase request for the bill information from the terminal 300 of the electronic bill purchaser, the electronic bill management system 500 requests the original confirmation of the electronic bill, and when it is confirmed that the original bill, Receives the purchase price of the electronic bill from the terminal 300 of the electronic bill purchaser, and transmits data indicating that the owner of the purchased amount of the electronic bill has been changed from the electronic bill seller to the electronic bill purchaser to the electronic bill management system 500. And all or part of the trading price is paid to the seller of electronic bills. Then, the sale approval history is stored in the sale approval database (113).

First, terms of raw money, selling amount, purchase amount, etc. of electronic bills are summarized in the following table.

The principal amount of electronic bill  Total amount of electronic draft at the time of issue Selling Amount  The amount requested by the seller of electronic bills to sell (≤ original amount). Purchase amount  The amount requested by the buyer of electronic bill (≤ sale amount ≤ original amount) Trading value  Amount minus interest from purchase amount (≤ sale amount ≤ original amount) Interest amount  Purchase amount (≤ sale amount ≤ original amount) * interest rate * discount days

The amount sold here refers to the amount of the sale made between the seller of electronic bills and the buyer of electronic bills. If the seller of electronic bills applies for the sale of the full amount of the electronic bill and the buyer of the electronic bill purchases the entire amount of the original bill, the amount of the sale is equal to the original amount of the electronic bill. If the seller of electronic bills applies to sell part of the original bill of electronic bills (sold amount), and the buyer of electronic bills purchases all of the bills, the amount sold is the same as the amount sold. If the seller of electronic bills applies for the sale of a part of the original amount of the electronic bill (sold amount), and the buyer of the electronic bill purchases the part (purchase amount) of the sale amount, the amount sold is the same as the purchase amount.

The amount paid to the seller of electronic bills may be all of the selling price or may be an amount excluding a predetermined brokerage fee.

If the amount sold is different from the original amount of the electronic bill (i.e., the amount sold or purchased) indicates that the owner of the traded amount of the electronic bill has been changed from the electronic bill seller to the electronic bill purchaser. When the data is transmitted to the electronic bill management system 500, the electronic bill management system 500 divides the electronic bill into two and displays respective owners. That is, after generating a new electronic bill corresponding to the amount sold, the owner is displayed as the electronic bill purchaser, and the original electronic bill owned by the electronic bill seller subtracts the sold amount from the original amount of the electronic bill.

In the case of an auction, the sale approval module 106 requests the electronic bill management system 500 to check the original of the electronic bill when the bid deadline arrives or the bid deadline is satisfied and the bid of the electronic bill purchaser is successful. , If it is confirmed that the original is received from the electronic bill buyer terminal 300 payment of the electronic bill, the electronic bill management data indicating that the owner of the purchase price of the electronic bill has been changed to the electronic bill buyer to the electronic bill seller The system 500 transmits all or part of the purchase price to the electronic bill seller. Then, the auction approval history is stored in the auction approval history database 123.

In addition, in the case of reverse auction, in the case of reverse auction, when the bid deadline arrives or the bid deadline is satisfied and the bidder of the electronic draft seller wins the bid, the electronic bill management system 500 requests the original confirmation of the electronic bill. If the original bill is confirmed, the electronic bill is paid from the terminal 300 of the electronic bill purchaser, and the data indicating that the owner of the purchased amount of the electronic bill has been changed to the electronic bill purchaser to the electronic bill seller is electronic bill. The management system 500 transmits all or part of the selling price to the electronic bill seller. Then, the reverse auction approval history is stored in the reverse auction approval history database 133.

The tax calculation module 107 is a module for calculating the tax to be paid by the buyer of the electronic bill after the settlement of the payment and ownership transfer of the electronic bill through the sale, auction, reverse auction. Here, interest means the amount minus the selling price. The electronic bill purchaser must report the income to the relevant tax office and pay tax on the interest, and the tax calculation module 107 calculates the tax through the interest amount and interest income tax table. The calculated tax is stored in the tax information database 141 for each electronic bill purchaser, period, etc., and is automatically paid to the tax office having jurisdiction on the payment date. The tax is covered by the amount previously paid from the electronic bill purchaser 300 on the date of sale of the electronic bill.

When the notification module 108 receives a purchase notification request by inputting a purchase condition from the terminal 300 of the electronic bill purchaser, the purchase notification application information including the purchase condition is stored in the purchase notification application database 151, From the terminal 200 of the electronic bill seller, the real-time inquiry whether a sale or auction meeting the purchase condition is registered, and the sale or auction meeting the purchase condition is registered, the sale or auction to the electronic bill purchaser Communicate the registration of the water. The electronic bill purchaser who has received the registration fact of the sale (or auction) may immediately access the system 100 and check the information of the sale (or the auction) and make a purchase request (or auction auction).

In addition, the notification module 108, when the seller of electronic bills log in to the system through a terminal and inputs a selling condition and requests a selling notification, the selling notification application database 152 includes the selling notification request information including the selling condition. If the reverse auction satisfying the selling condition is registered in real time from the terminal of the electronic bill purchaser, and the reverse auction satisfying the selling condition is registered, the fact of registering the reverse auction on the terminal of the electronic bill seller is registered. To pass. The electronic draft seller who received the registration fact of the reverse auction may immediately access the system 100 and check the information of the reverse auction, and then may reverse the auction.

The manner in which the buyer or auctioneer (or reverse auction seller) registers the electronic bill purchaser (or the seller of electronic bills) to register the facts of the electronic bill purchaser (or seller) by sending a short message to the mobile phone of the electronic bill purchaser (or the seller) or the electronic bill purchaser (or the electronic bill) E-mail may be sent to the mail account of the seller), but the present invention is not limited thereto.

The member information database (not shown) is a database in which information of a member who has subscribed to the system 100, that is, an electronic bill seller or an electronic bill purchaser, is stored. Specifically, the member identification code (ID), member authentication code (password), business registration number (or corporate registration number), company name, checking account number, e-mail account, mobile phone number, address and the like. In some cases, the member identification code (ID) may be a business registration number (or corporation registration number). In addition, the member identification code is preferably the same as the issuer identification code or endorsement identification code stored in the electronic bill issuing database 501 of the electronic bill management system 500, and should be matched with each other at least. In the present specification, the same case will be described.

The for sale information database 111 is a database for storing the sale information including the selling condition received from the terminal 200 of the electronic bill seller. In detail, the property information database 111 stores the item identification code, the electronic bill identification code, the member identification code of the seller of electronic bills, the selling condition information, the date of registration of the property, and the like. The electronic bill identification code is preferably the same as the electronic bill identification code stored in the electronic bill issuing database (501). Here, the selling condition information may include a selling amount, an interest rate, a partial purchase possibility, a sale registration period, and the like, but the present invention is not limited thereto. The selling amount is the amount requested by the seller of electronic bills to sell. If the selling amount is less than the original amount of the electronic bill, it is the 'some selling method'. In this case, after the approval of the sale, the electronic bill is divided and only the ownership of the purchased amount is transferred to the buyer.

The auction item information database 121 is a database for storing auction item information including auction conditions received from the terminal 200 of the electronic bill seller. In detail, the auction item information database 121 stores an auction item identification code, an electronic bill identification code, a member identification code of the electronic bill seller, auction condition information, auction item registration date, and the like. Also, the electronic bill identification code is preferably the same as the electronic bill identification code stored in the electronic bill issuing database 501. Here, the auction condition information may include a selling amount, a bid closing date, a minimum bid price, and the like, but the present invention is not limited thereto. Here too, the selling amount is the amount requested by the seller of electronic bills to sell. If the selling amount is less than the original amount of the electronic bill, it becomes 'some selling method'. In this case, after the approval of the sale, the electronic bill is divided and only the ownership of the purchased amount is transferred to the buyer.

The reverse auction information database 131 is a database for storing reverse auction information including the reverse auction condition received from the terminal 300 of the electronic bill purchaser. In detail, the reverse auction product information database 131 stores a reverse auction identification code, an electronic bill identification code, a member identification code of the electronic bill purchaser, reverse auction condition information, a reverse auction listing date, and the like. Also, the electronic bill identification code is preferably the same as the electronic bill identification code stored in the electronic bill issuing database 501. Here, the reverse auction condition information may include a bid closing date, issuer and / or endorseer's credit rating, a bill amount (or a range of bill amount), an expiration date (or a range of an expiration date), and a minimum interest rate. It is not limited.

The auction bidding information database 122 is a database in which the auction bidding information of the electronic bill purchaser is stored. Specifically, the auction bid identification code, the member identification code of the electronic bill buyer, the auction item identification code, purchase condition information, the bid date and time are stored. Here, the purchase condition means a condition that the electronic bill purchaser intends to purchase the electronic bill registered as an auction, and there may be an interest rate, but the present invention is not limited thereto.

The reverse auction bidding information database 132 is a database that stores reverse auction bidding information of the electronic bill seller. Specifically, the reverse auction bid identification code, the member identification code of the electronic bill seller, selling condition information, the bid date and time are stored. Here, the term "selling condition" refers to a condition in which the electronic bill buyer wants to sell the information of his electronic bill and his electronic bill, and may include information of the electronic bill, interest rate, and the like, but the present invention is not limited thereto. .

The transaction approval database 113 is a database in which the transaction details between the electronic bill seller and the electronic bill purchaser are stored. Specifically, the approval identification code, item identification code, purchase amount, date and time of sale approval are stored.

The auction approval database 123 is a database that stores the transaction details through auction between the electronic bill seller and the electronic bill buyer. Specifically, the approval identification code, the auction product identification code, the auction bid identification code, the sale approval date and the like are stored.

The reverse auction approval database 133 is a database that stores the transaction details through reverse auction between the electronic bill seller and the electronic bill buyer. Specifically, the approval identification code, reverse auction product identification code, reverse auction bid identification code, sale approval date and the like are stored.

The tax information database 141 is a database in which information on taxes calculated by the tax calculation module is stored. Specifically, there may be a member identification code, approval identification code, transaction approval date, tax amount, tax payment, principal payment or the like of the electronic bill purchaser.

The purchase notification application database 151 is a database in which purchase notification application information including purchase conditions received from the terminal 300 of the electronic bill purchaser is stored. Specifically, the purchase notification application identification code, the member identification code of the electronic bill buyer, purchase condition information, the application date and time, the notification end time is stored. Here, the purchase condition may include a credit rating of the issuer and / or the endorseer, the amount of the original bill (the range of the original bill), the maturity date (or the range of the maturity date), the minimum interest rate, etc., but the present invention is not limited thereto.

The selling notification application database 152 is a database in which the selling notification request information including the selling condition received from the terminal 200 of the electronic bill seller is stored. Specifically, the selling notification application identification code, the member identification code of the electronic bill seller, the selling condition information, the application date and time, the notification end time is stored. Here, the selling condition may include a minimum bid price, but the present invention is not limited thereto.

The present invention is provided with a configuration as described above, provides a service for intermediary to safely and easily trade electronic bills.

Figure 4 is a flow chart of the sale (or auction) registration step of the electronic bill buyer in the electronic bill trading mediation method according to an embodiment of the present invention. Referring to Figure 4, the electronic bill seller 200 is connected to the electronic bill trading brokerage system 100 (hereinafter 'system 100') to log in to sell their own electronic bills through the sale or auction to log in. (Step S110). Then, the system 100 transmits the member identification code of the electronic bill seller to the electronic bill management system 500 and requests the provision of electronic bill information owned by the electronic bill seller (S120). Upon receipt of the request, the electronic bill management system 500 reads the electronic bill of which the current owner is the electronic bill seller and delivers it to the system 100, and the system 100 receives the electronic bill and transmits it to the terminal 200 of the electronic bill seller. to provide. Through this process, it is possible to check whether the electronic bill registered as a sale or auction item is an electronic bill normally issued by the electronic bill management system 500 (original verification).

The electronic bill seller selects electronic bills to be sold or sold through auction among electronic bills owned by the user (step S130). Then, it is determined whether to sell the electronic bill through the general trading method or to sell the electronic bill through the auction.

If the general sale is selected (step S140), the system 100 provides a selling condition input page to the terminal 200 of the electronic bill seller. The selling condition is, as mentioned above, the selling amount, the interest rate, the possibility of partial purchase, and the registration period. If the selling amount is less than the original amount of the electronic bill, 'sold part' method. When the selling condition is input from the terminal 200 of the electronic bill seller through the page, the listing is terminated by storing the selling information including the selling condition data in the selling information database 111 (step S150).

When the auction sale is selected (step S160), the system 100 provides an auction condition input page to the terminal 200 of the electronic bill seller. As mentioned above, the auction terms are the selling amount, the closing date of the bidding, and the minimum bid price. If the selling amount is less than the original amount of the electronic bill, the above-mentioned 'some selling' method. When auction conditions are input from the terminal 200 of the electronic bill seller through the page, the auction item registration is terminated by storing the auction item information including the auction condition data in the auction item information database 121 (step S170). .

Through the above process, the seller of electronic draft may register his own electronic draft as a sale or auction through the original verification process.

5 is a flowchart illustrating a purchase request (or auction bidding) and a sale approval step of an electronic bill seller in an electronic bill trading brokerage method according to an embodiment of the present invention. Referring to FIG. 5, the electronic bill purchaser 300 accesses and logs in to the system 100 to purchase electronic bills registered as a sale or auction (S210). Then, the electronic bill to be purchased is searched (step S220). The system 100 reads the item or auction item information that matches the search condition from the item information database 111 or the auction item information database 121 and provides the search result to the terminal 200 of the electronic bill seller. In this case, it is preferable to read the corporate credit information of the publisher and / or the endorsement of the electronic bill from the corporate credit information database 601 and provide the terminal with the search result along with the search result. 6 is an example of the sale inquiry screen, and FIG. 7 is an example of the auction inquiry inquiry screen. Because the corporate credit information is included in the corporate credit information, the electronic bill purchaser checks the information on the sale (or auction) of the electronic bill and at the same time checks the credit rating of the issuer or the endorsement of the electronic bill. A purchase (or bid) decision can be made.

The electronic bill purchaser may make a purchase request after selecting the item from the search result (step S230), or select the auction item from the search result and input the purchase condition to bid the auction (step S232).

In step S230, the electronic bill buyer may apply for a purchase of some of the selling amount of the electronic bill. In this case, the amount requested for purchase is called the purchase amount, and the purchase amount is less than the selling amount is 'partial purchase' method. In this case, the partial purchase request of the electronic bill purchaser may or may not be possible depending on whether or not the purchase information is partially available. As such, when the purchase request for the electronic bill is received in step S230, the process moves to step S240.

In step S232, the auction bidding information including the purchase condition and electronic bill buyer information is stored in the auction bidding information database 122. Then, when the bid deadline arrives or the bid closing conditions are satisfied and the bid of the electronic bill purchaser is successful (step S234), the process moves to step S240.

When the purchase request of the electronic bill purchaser is completed in step S230 or the bid of the electronic bill purchaser is successful in step S234, the system 100 checks again that the electronic bill is the original by requesting the electronic bill management system 500 ( Step S240). That is, the electronic bill management system 500 checks the electronic bill issuing database 501 to confirm whether the electronic bill is still owned by the seller. Through this process, it is possible to confirm whether the sale (or auction) has been transferred to a third party during the time gap from when the sale (or auction) is registered until the purchase request (or auction).

If it is confirmed in step S240 that the electronic bill is the original, the payment is received from the electronic bill buyer 300 (step S250). The trading price is the amount minus the interest of the principal. As a payment method, there may be a method of transferring from the checking account of the electronic bill purchaser 300 to the representative account of the system 100, but the present invention is not limited thereto. In addition, in this case, in addition to the purchase price, the user may receive a tax payment for interest income from the electronic bill purchaser 300, which will be described later with reference to FIG. 11.

Then, the electronic bill management system 500 transmits data indicating that the owner of the purchased amount of electronic bills has been changed from the electronic bill seller 200 to the electronic bill purchaser 300, and the electronic bill management system 500. In step S260, the user may change owner information of the purchased and sold amount of electronic bills stored in the electronic bill issuing database 501. As described above, the amount sold is a selling amount in case of a partial sale, a purchase amount in case of a partial sale, and a purchase amount in the case of a partial purchase, or an original amount of electronic bill when the partial sale or a partial purchase is not. At the same time proceeding to step S260, all or part of the trading price is paid to the electronic bill seller 200 (step S270). Part of the trading price means the amount deducting a certain brokerage fee from the trading price (the amount of money minus interest).

After approving the sale as described above, after completing the fulfillment of each party, the sale approval (or auction approval history) is stored in the sale approval database 113 (or the auction approval database 123) (step S280). ).

Through the above process, the electronic bill purchaser can purchase the electronic bill registered as a sale or auction.

8 is a flow chart of the reverse auction registration step of the electronic bill buyer in the electronic bill trading mediation method according to an embodiment of the present invention. Referring to FIG. 8, the electronic bill purchaser 300 accesses and logs in to the system 100 to register the reverse auction to purchase (S410). Then, the system 100 provides a page for inputting the reverse auction condition to the terminal 300 of the electronic bill purchaser, receives the reverse auction condition data from the terminal 300 of the electronic bill purchaser through the page, and reverse the auction. The reverse auction product information including the condition is stored in the reverse auction product information database 131 (step S320).

Through the above process, the electronic bill purchaser may register the reverse auction in the system 100.

FIG. 9 is a flowchart illustrating a reverse auction bidding and approval process of an electronic bill seller in an electronic bill trading brokerage method according to an embodiment of the present invention. Referring to FIG. 9, the electronic bill seller 200 accesses and logs in to the system 100 to bid in reverse auction (S410). Then, the reverse auction is searched (step S420). The system 100 reads the reverse auction that meets the search condition from the reverse auction information database 131 and provides it to the terminal 300 of the electronic bill acquirer as a search result. 10 is an example of a reverse auction inquiry screen.

After the electronic bill seller selects a specific reverse auction from the search results, the electronic bill seller inputs the electronic bill information to be sold and the selling condition and bids the reverse auction at step S430. At this time, it is preferable to allow the electronic bill management system 500 to confirm (original verification) whether the owner of the electronic bill is the electronic bill seller. If confirmed, the reverse auction bidding information including the electronic bill information and the selling condition is stored in the reverse auction bidding information database 132.

When the bid deadline arrives or the bid closing conditions are satisfied, the bid of the electronic bill seller 200 may be automatically won or the bid may be made according to the selection of the electronic bill purchaser 300 (step S440). The latter will be described in detail. When the electronic bill purchaser 300 that registers the reverse auction is connected to the system 100, the reverse auction bidding information and the corporate credit information of the publisher and / or the endorsement of the electronic bill are transferred to the terminal of the electronic bill purchaser. 300). After confirming the information, the electronic bill purchaser selects one or more of the reverse auction bids and wins the bid.

When the electronic bill of the electronic bill seller 200 is successful at step S440, as in the above-described steps S240 to S280, it is checked whether the electronic bill is the original (step S450), and the purchase price from the electronic bill purchaser 300. The payment is received (step S460), the owner of the electronic bill is transferred to the electronic bill purchaser 300 (step S470), and the selling price is paid to the electronic bill seller 200 (step S480). In addition, the reverse auction approval history is stored in the reverse auction approval history database 133 (step S490). In this case, in addition to the purchase price, the electronic bill purchaser 300 may further receive a tax amount on interest income, and may later act as a tax payment, which will be described later with reference to FIG. 11.

Through the above process, the electronic bill purchaser may purchase the electronic bill through reverse auction.

11 is a flow chart of the tax calculation and payment step of the electronic bill trading brokerage method according to an embodiment of the present invention. Referring to FIG. 11, as mentioned above, in the purchase request (or auction bidding) and approval step (S200) and the reverse auction bidding and approval step (S400) of FIG. After checking the original of the paper (step S240 and step S450), the withholding tax amount to be paid by the electronic bill buyer on interest income is calculated and stored in the tax information database (step S245 and step S455). Then, after the payment settlement step (steps S250 and S460) or at the same time as the payment settlement step, the tax amount is received in advance from the electronic bill purchaser 300 (steps S255 and S465). The prepaid tax amount is paid electronically to the competent tax office when the tax payment date arrives (step S510).

Through the above process, the electronic bill purchaser pays the tax when purchasing the electronic bill, thereby reducing the trouble of tax calculation and payment.

12 is a flowchart illustrating a purchase notification application receipt and notification step of an electronic bill purchaser in an electronic bill trading brokerage method according to an embodiment of the present invention. Referring to FIG. 12, first, the electronic bill purchaser 300 logs in to the system 100 to request notification of whether the electronic bill for sale or auction is registered (step S610). As a result of searching the electronic bill sale and / or auction information, it is preferable that the electronic bill purchaser 300 apply for a purchase notification when the sale or auction item to be purchased is not registered (step S620).

The purchase condition is received from the electronic bill purchaser 300 requesting the electronic bill purchase, and the purchase notification application information including the purchase condition is stored in the purchase notification application database 151 (step S630). Then, by accessing the real-time sale information database 111 and the auction item information database 121, it is inquired in real time whether the sale or auction items meeting the purchase conditions are registered from the terminal 200 of the electronic bill seller ( Step S640).

When the sale or auction item that meets the purchase condition is registered in step S640, the registered fact of the sale or auction item is transmitted to the electronic bill purchaser (step S650).

Through the above process, the electronic bill buyer can immediately receive the registration fact of the sale or auction that meets the purchase conditions, and can quickly purchase the desired electronic bill.

Figure 13 is a flow chart of the electronic bill seller intermediary selling receipt application notification and notification step of the electronic bill trading mediation method according to an embodiment of the present invention. Referring to FIG. 13, first, the seller of electronic bills 200 logs in to the system 100 to apply for a notification regarding the reverse auction registration of the electronic bill, in order to sell the electronic bill (S710). As a result of searching for the reverse auction information, it is preferable that the electronic bill seller 200 apply for a selling notification when the reverse auction is not registered (step S720).

The seller receives the selling condition from the electronic bill seller 200 requesting the notification to sell the electronic bill, and stores the selling notification application information including the selling condition in the selling notification application database 152 (step S730). Then, the real-time reverse auction information database 131 is accessed, and in real time whether the reverse auction corresponding to the selling condition is registered from the terminal 300 of the electronic bill buyer (S740).

When the sale or auction item meeting the selling condition is registered at step S740, the registration information of the reverse auction is delivered to the electronic bill seller (step S750).

Through the above process, the seller of electronic bills can immediately receive the fact of registration of the reverse auction that meets the selling conditions, and can quickly sell the desired electronic bill.

As described above, although the present invention has been described by way of limited embodiments and drawings, the present invention is not limited thereto and is intended by those skilled in the art to which the present invention pertains. Of course, various modifications and variations are possible within the scope of equivalents of the claims to be described.

According to an aspect of the present invention, since the sale of electronic bills is established online and the transfer of ownership and payment of payments are enforced online, electronic bills can be safely traded.

According to another aspect of the present invention, since the selling information and the auction item information and the corporate credit rating of the publisher and the endorsement of the electronic bill are linked, it is possible to easily and simply determine the reliability of the electronic bill and purchase the electronic bill.

According to another aspect of the present invention, since the original confirmation of the electronic bill in real time in conjunction with the electronic bill management system, it is possible to significantly reduce the cancellation rate of the sales contract.

According to another aspect of the present invention, as the multilateral online electronic bill trading market is activated, the electronic bill seller can sell the electronic bill at a high price, unlike the existing trading market which provides the broker with excessive transfer profit. Buyers have the advantage of being able to buy bills at high interest rates.

According to another aspect of the present invention, by substituting the payment of interest income tax according to the purchase of electronic bills, the trouble of paying the tax due to the purchase of electronic bills to electronic bill buyers is reduced, and tax transparency is secured in a social aspect. .

According to another aspect of the present invention, by making a partial sale and partial purchase, it is possible to capitalize a small investment fund and contribute to economic growth by eliminating the capital shortage of the enterprise.

1 is a conceptual diagram of electronic billing brokerage according to an embodiment of the present invention.

Figure 2 is a network configuration of the electronic billing brokerage system, electronic bill management system, corporate credit information management agency, electronic bill seller and buyer terminal according to an embodiment of the present invention.

3 is a block diagram of an electronic bill trading brokerage system according to an embodiment of the present invention.

Figure 4 is a flow chart of the sale (or auction) registration step of the electronic bill buyer of the electronic bill trading mediation method according to an embodiment of the present invention.

Figure 5 is a flow chart of the purchase request (or auction bidding) and the purchase approval step of the electronic bill seller in the electronic bill trading mediation method according to an embodiment of the present invention.

Figure 6 is an example of the sale inquiry screen of the electronic bill trading brokerage method according to an embodiment of the present invention.

Figure 7 is an example of the auction search screen of the electronic billing brokerage method according to an embodiment of the present invention.

8 is a flow chart of the reverse auction registration step of the electronic bill buyer in the electronic bill trading mediation method according to an embodiment of the present invention.

9 is a flow chart of the reverse auction bidding and transaction approval step of the electronic bill seller in the electronic bill trading mediation method according to an embodiment of the present invention.

10 is an example of the reverse auction inquiry screen of the electronic bill trading brokerage method according to an embodiment of the present invention.

11 is a flow chart of the tax calculation and payment step of the electronic bill trading brokerage method according to an embodiment of the present invention.

Figure 12 is a flow chart of the receipt request and notification notification of the purchase of electronic bill buyers of the electronic bill trading mediation method according to an embodiment of the present invention.

Figure 13 is a flow chart of the electronic bill seller intermediary selling notification application receipt and notification step of the electronic bill trading mediation method according to an embodiment of the present invention.

Claims (25)

In the electronic billing brokerage system, which is linked with the electronic bill management system to broker the electronic bill trading between the electronic bill seller and the electronic bill buyer, A web server providing a page necessary for brokering a sale to a terminal of the electronic bill seller and a terminal of the electronic bill purchaser; A registration module for receiving the electronic bill information and selling condition data from the electronic bill seller through a terminal, and storing the information including the electronic bill information and the selling condition in a database; A property information database for storing information including the electronic bill information and selling condition data; When the purchase request of the electronic bill is received from the electronic bill purchaser, request the electronic bill management system to confirm the original of the electronic bill, and if it is confirmed that the original bill is received, the purchase price of the electronic bill is paid from the electronic bill purchaser. Transmitting data indicating that the owner of the purchased amount of the electronic bill has been changed from the electronic bill seller to the electronic bill purchaser to the electronic bill management system, and paying all or part of the trading price to the electronic bill seller. Transaction approval module; And When the electronic bill seller logs in and requests the registration of the sale of the electronic bill, the registration module is called. When the electronic bill purchaser requests the purchase of the electronic bill, the trade approval module is called to handle the brokering of the trade. Electronic billing brokerage system comprising a. The method of claim 1, When the electronic bill purchaser logs in to the system and inputs a search condition of the property information, the property information corresponding to the search condition is read from the property information database, and the issuer and / or endorsement company of the electronic bill of the property information is read. And a retrieval module for reading credit information from a corporate credit information database and providing the terminal with the property information to the terminal of the electronic bill purchaser. The method of claim 2, The corporate credit information database is electronic billing brokerage system, characterized in that included in the system or operated in a separate corporate credit information management system. In the electronic billing brokerage system associated with the electronic bill management system to broker the electronic bill trading between the electronic bill sellers and electronic bill buyers, (a) When the seller of electronic bills accesses the system through the terminal and inputs the information of the electronic bill to be sold, the seller of the electronic bill receives the information of the electronic bill and then provides a selling condition input page to the terminal of the seller. step; (b) when the selling condition is input through the terminal of the electronic bill by using the selling condition input page, storing the selling information including the selling condition in a database; (c) requesting the electronic bill management system to confirm the original of the electronic bill when the electronic bill purchaser logs in to the system through a terminal and requests the purchase of the electronic bill; (d) receiving a payment for the electronic bill from the electronic bill purchaser provided that the electronic bill is identified as an original in step (c); And (e) transmitting data indicating that the owner of the traded amount of the electronic bill has been changed from the electronic bill seller to the electronic bill purchaser to the electronic bill management system, and transfer all or part of the transaction price to the electronic bill seller Paying to; electronic billing brokerage method comprising a. The method of claim 4, wherein In step (a), (a1) when the electronic bill seller accesses the system through a terminal, receiving information of the electronic bill owned by the electronic bill seller from the electronic bill management system and providing the electronic bill to the terminal of the electronic bill seller; And (a2) if the electronic bill seller selects at least one electronic bill to be sold among the electronic bills, after receiving information of the electronic bill, providing a selling condition input page to the terminal of the electronic bill seller; Electronic billing brokerage method comprising the. The method of claim 4, wherein In step (c), (c1) When the electronic bill purchaser logs in to the system through the terminal and searches for electronic bills to be purchased from the property information, the electronic credit information of the publisher and / or the endorsement of the searched electronic bills together with the search results is displayed. Providing to the terminal of the bill acquirer; And (c2) when the electronic bill purchaser checks the search result and the corporate credit information and requests purchase of at least one or more of the searched electronic bills through the terminal, the electronic bill management system requests the purchase of the original electronic bill; Requesting confirmation; electronic billing brokerage method comprising a. The method of claim 4, wherein The selling condition is an electronic bill trading brokerage method, characterized in that the selling amount of the selling request of the electronic bill seller. The method of claim 4, wherein The step (c) is a step of requesting the electronic bill management system to check the original of the electronic bill when the electronic basin purchaser logs in to the system through the terminal and requests the purchase of the electronic bill by inputting a purchase amount. The purchase price in the step (d) relates to the purchase amount, Electronic billing brokerage method, characterized in that the purchase price in the step (e) is the purchase amount. The method of claim 4, wherein Before step (d), And calculating and storing a tax amount on interest generated by the electronic bill purchaser by purchasing the electronic bill. In step (d), the electronic bill trading brokerage method, characterized in that the payment of the tax in addition to the purchase price of the electronic bill from the electronic bill purchaser. The method of claim 9, After step (e), and (f) electronically paying the tax amount to a corresponding payment destination on the predetermined tax payment date. In the electronic billing brokerage system, which is linked with the electronic bill management system to broker the electronic bill trading between the electronic bill seller and the electronic bill buyer, A web server providing a page necessary for brokering a sale to a terminal of the electronic bill seller and a terminal of the electronic bill purchaser; A registration module for receiving electronic bill information and auction condition data from the electronic bill seller through a terminal, and storing auction item information including the electronic bill information and the auction condition in a database; An auction product information database for storing auction item information including information on the electronic bill and auction conditions; A bidding module for receiving a purchase condition from the electronic bill purchaser through a terminal and storing auction bidding information including the purchase condition and the electronic bill purchaser information in a database; When the bid deadline arrives or the bid deadline is satisfied and the bid of the electronic bill purchaser is successful, request the electronic bill management system to confirm the original of the electronic bill, and if it is confirmed that the original bid is the original, the electronic bill from the electronic bill purchaser. Receives a payment for the transaction, and transmits data indicating that the owner of the purchased amount of the electronic bill has been changed from the electronic bill seller to the electronic bill purchaser to the electronic bill management system, and transfers all or part of the transaction price. A transaction approval module for paying the electronic bill seller; And When the electronic bill seller logs in and requests auction registration of the electronic bill, the registration module is called. When the electronic bill purchaser requests bid of the electronic bill, the bid module is called. Electronic billing brokerage system comprising a; proceeding the auction, the controller responsible for brokering the auction. In the electronic billing brokerage system associated with the electronic bill management system to broker the electronic bill trading between the electronic bill sellers and electronic bill buyers, (a) When the seller of electronic bills accesses the system through the terminal and inputs the information of the electronic bill to be sold, the auction condition input page is provided to the terminal of the seller of electronic bills after receiving the information of the electronic bill. step; (b) registering auction by storing auction item information including the auction condition in a database when the auction condition is input through the terminal of the electronic bill using the auction condition input page; (c) auction bidding information including the purchase condition and the electronic bill purchaser information, when the electronic bill purchaser logs in to the system through a terminal and inputs the purchase condition of the electronic bill and bids the auction of the electronic bill; Storing the data in a database; (d) requesting confirmation of the original of the electronic bill by the electronic bill management system when the bid deadline arrives or the bid closing condition is satisfied and the bid of the electronic bill purchaser is successful; (e) receiving a payment for the electronic bill from the electronic bill purchaser provided that the electronic bill is identified as an original in step (d); And (f) transmitting data indicating that the owner of the traded amount of the electronic bill has been changed from the electronic bill seller to the electronic bill purchaser to the electronic bill management system, and all or part of the trading bill is transferred to the electronic bill seller Paying to; electronic billing brokerage method comprising a. The method of claim 12, In step (a), (a1) when the electronic bill seller accesses the system through a terminal, receiving information of the electronic bill owned by the electronic bill seller from the electronic bill management system and providing the electronic bill to the terminal of the electronic bill seller; And (a2) if the electronic bill seller selects at least one electronic bill to be sold among the electronic bills, after receiving information of the electronic bill, providing an auction condition input page to the terminal of the electronic bill seller; Electronic billing brokerage method comprising the. The method of claim 12, In step (c), (c1) When the electronic bill purchaser logs in to the system through the terminal and searches for electronic bills to be bid in the auction item information, the credit information of the publisher and / or the endorsement of the searched electronic bill is displayed together with the search result. Providing the electronic bill purchaser to the terminal; And (c2) when the electronic bill purchaser confirms the search result and the corporate credit information, selects at least one or more of the searched electronic bills through the terminal, inputs a purchase condition, and bids at an auction. And storing the auction bidding information including the electronic bill purchaser information in a database. The method of claim 12, Before step (e) above, And calculating and storing a tax amount on interest generated by the electronic bill purchaser by purchasing the electronic bill. In the step (e), the electronic bill trading brokerage method, characterized in that the payment of the tax in addition to the purchase price of the electronic bill from the electronic bill purchaser. The method of claim 15, After step (f), (g) electronically paying the tax amount to a corresponding payment destination on the predetermined tax payment date. In the electronic billing brokerage system, which is linked with the electronic bill management system to broker the electronic bill trading between the electronic bill seller and the electronic bill buyer, A web server providing a page necessary for brokering a sale to a terminal of the electronic bill purchaser and a terminal of the electronic bill purchaser; A registration module for receiving reverse auction condition data from the electronic bill purchaser through a terminal and storing reverse auction information including the reverse auction condition in a database; A reverse auction information database that stores reverse auction information including the reverse auction condition; A bidding module for receiving a selling condition including electronic bill information from the electronic bill seller through a terminal, and storing reverse auction bidding information including the selling condition and the electronic bill seller information in a database; When the bid deadline arrives or the bid deadline is satisfied and the bid of the electronic bill seller is successful, the electronic bill management system is requested to confirm the original of the electronic bill, and if it is confirmed that the original bid is received from the electronic bill purchaser Receives a payment for the transaction, and transmits data indicating that the owner of the purchased amount of the electronic bill has been changed from the electronic bill seller to the electronic bill purchaser to the electronic bill management system, and transfers all or part of the transaction price. A transaction approval module for paying the electronic bill seller; And When the electronic bill purchaser logs in and requests the reverse auction listing of the electronic bill, the registration module is called. When the electronic bill seller requests the bid of the electronic bill, the bid module is called. Electronic billing brokerage system comprising: a control unit that is responsible for the process of brokering the reverse auction to advance the reverse auction. In the electronic billing brokerage system associated with the electronic bill management system to broker the electronic bill trading between the electronic bill sellers and electronic bill buyers, (a) storing the reverse auction information including the reverse auction condition in a database when the electronic bill purchaser inputs a reverse auction condition to be purchased after accessing the system through a terminal; (b) after the electronic draft seller logs in to the system through a terminal and enters a selling condition including information of the electronic bill, and bids the reverse auction, the reverse auction bidding includes the selling condition and the electronic draft seller information. Registering the reverse auction by storing the information in a database; (c) when the bid deadline arrives or the bid deadline is satisfied and the bid of the electronic draft seller is automatically successful or the bid is made by the electronic draft buyer, request the electronic bill management system to confirm the original of the electronic draft. Making; (d) receiving a payment for the electronic bill from the electronic bill purchaser provided that the electronic bill is identified as an original in step (c); And (e) transmitting data indicating that the owner of the traded amount of the electronic bill has been changed from the electronic bill seller to the electronic bill purchaser to the electronic bill management system, and transfer all or part of the transaction price to the electronic bill seller Paying to; electronic billing brokerage method comprising a. The method of claim 18, In step (b), (b1) when the electronic bill seller accesses the system through a terminal, receiving information of the electronic bill owned by the electronic bill seller from the electronic bill management system and providing the electronic bill to the terminal of the electronic bill seller; And (b2) when the electronic bill seller selects at least one or more electronic bills to be sold among the electronic bills, inputs a selling condition, and bids the reverse auction, reverse auction bidding information including the selling condition and the electronic bill seller information; Electronic billing brokerage method comprising the; storing in a database. The method of claim 18, The successful bid by the electronic bill purchaser in step (c), When the electronic bill purchaser accesses the system through a terminal, the reverse auction bidding information is provided to the terminal of the electronic bill purchaser together with corporate credit information of the publisher and / or the endorsement of the electronic bill, And the electronic bill purchaser performs a process of selecting at least one or more of reverse auction bids through the terminal and confirming the reverse auction bid information and the corporate credit information. The method of claim 18, Before step (d), And calculating and storing a tax amount on interest generated by the electronic bill purchaser by purchasing the electronic bill. In step (d), the electronic bill trading brokerage method, characterized in that the payment of the tax in addition to the purchase price of the electronic bill from the electronic bill purchaser. The method of claim 21, After step (e), and (f) electronically paying the tax amount to a corresponding payment destination on the predetermined tax payment date. In the electronic billing brokerage system associated with the electronic bill management system to broker the electronic bill trading between the electronic bill sellers and electronic bill buyers, (a) when the electronic bill purchaser logs in to the system through a terminal and inputs a purchase condition to apply for a purchase notification, storing purchase notification application information including the purchase condition in a database; (b) inquiring in real time whether a sale or auction meeting the purchase condition is registered from the terminal of the electronic bill seller; And (c) if a sale or auction item that satisfies the purchase condition is registered, transmitting the fact of registration of the sale or auction item to the electronic bill purchaser. The method of claim 23, wherein In step (c), When the sale or auction item that satisfies the purchase condition is registered, a short message is sent to the mobile phone of the electronic bill purchaser or an e-mail is sent to the mail account of the electronic bill purchaser to deliver the registration fact of the sale or auction product. Electronic billing brokerage method, characterized in that step. In the electronic billing brokerage system associated with the electronic bill management system to broker the electronic bill trading between the electronic bill sellers and electronic bill buyers, (a) storing the selling notification request information including the selling condition in a database when the electronic bill seller logs in to the system through a terminal and inputs a selling condition to request a selling notification; (b) inquiring, in real time, whether a reverse auction corresponding to the selling condition is registered from the terminal of the electronic bill purchaser; And (c) if the reverse auction meets the selling condition, registering the reverse auction to the terminal of the electronic bill seller; electronic bill trading brokerage method comprising a.