KR101144115B1 - Electronic Financial Deal Method and System for Settling Account Using Payment of Goods Received for Loan of Purchasing Corporation Credit to Selling Corporation Recommended by Purchasing Corporation - Google Patents

Abstract

The present invention is an electronic financial transaction method for processing a loan product that can selectively support the early recovery of the delivery price through the transfer of the production funds before the delivery and the receivables after the delivery to the selling company by applying the credit ratings of the purchasing company such as a large company and A system, which is based on order information about a selling company provided by a purchasing company to a financial institution, with a contractual agreement with the financial institution to jointly guarantee production loans before delivery of the selling company that the purchasing company recommends loans. The company provides loans for production funds to companies with loan recommendation (solidarity guarantee), and optionally provides financing for early recovery of payments through transfer of trade receivables after delivery to sellers who do not recommend loans. E-financial transaction method and system for payment processing of loan repayment by delivery payment of after-purchase company The.

Financial Institution, Purchasing Company, Selling Company, Purchasing Company Credit Rating, (Future) Sales Bond, Solidarity Guarantee, Ordering, Loan, Delivery, Settlement, Repayment

Description

Electronic financial dealing method and system for settling account using payment of goods Received for Loan of Purchasing Corporation Credit to Selling Corporation Recommended by Purchasing Corporation}

The present invention is an electronic financial transaction method for processing a loan product that can selectively support the early recovery of the delivery price through the transfer of the production funds before the delivery and the receivables after the delivery to the selling company by applying the credit ratings of the purchasing company such as a large company and A system, which is based on order information about a selling company provided by a purchasing company to a financial institution, with a contractual agreement with the financial institution to jointly guarantee production loans before delivery of the selling company that the purchasing company recommends loans. The company provides loans for production funds to companies with loan recommendation (solidarity guarantee), and optionally provides financing for early recovery of payments through transfer of trade receivables after delivery to sellers who do not recommend loans. E-financial transaction method and system for payment processing of loan repayment by delivery payment of after-purchase company The.

In recent years, many efforts have been made at the government level to support the development of small and medium-sized companies, which are difficult to raise funds, or to promote win-win cooperation with large and medium-sized enterprises. In response to such a win-win cooperation climate, financial institutions are trying various ways to solve the difficulties of financing small and medium-sized companies.

Credit valuation is essential for the execution of small business loans. However, new SMEs or individual SMEs with low credit ratings are difficult to obtain in practical terms. In addition, these SMEs generally receive relatively high interest rates even if they receive loans.

Although the company is an excellent solid SME, it is difficult to raise short-term financing, and if it is in the midst of bankruptcy, it is impossible for a purchasing company to maintain a stable supply relationship.

Therefore, it is possible to smoothly execute and settle loan financial products such as actual production funds that apply low interest rates to the selling companies recommended by the purchasing company, such as the subcontractors of the purchasing company. There is a need for an online financial transaction system.

Accordingly, the present invention is to solve the above-described problems, the object of the present invention, the purchaser to recommend early loans (financial guarantee) to support the production funds, such as pre-delivery to the selling company to deliver to the purchasing company, such as large enterprises On the basis of the delivery order information issued to a selling company, the sales bond is transferred to the bank and the loan is executed to the selling company within the recommended amount of loan recommended by the purchasing company within the guarantee amount agreed with the purchasing company. In addition, the present invention provides an electronic financial transaction method and system for payment processing of repayment of a loan by a delivery price of a purchasing company after delivery.

Another object of the present invention is that after the seller delivers the goods to the buyer, regardless of the purchaser's loan recommendation (solidarity guarantee), the seller sells the accounts receivable to the bank based on the purchase order provided by the buyer. The present invention provides an electronic financial transaction method and system for dealing with finances for the transfer and early collection of trade receivables, and for settlement of loan repayment as the purchase price of the purchasing company.

In addition, another object of the present invention is to provide a low interest rate loan to a selling company by applying the credit rating of the buying company, not the credit rating of the selling company, within the range of the loan recommendation amount recommended by the buying company by setting the guaranteed amount limit. In this regard, the present invention provides an electronic financial transaction method and system that can enhance liquidity and maintain a stable supply relationship between a purchasing company and a selling company by prepaying production funds before delivery.

First, to summarize the features of the present invention, the electronic financial transaction method according to an aspect of the present invention for achieving the object of the present invention, the step of executing a loan to the selling company before or after delivery to the purchasing company; And withdrawal from the purchaser's account on the payment date on the basis of payment information generated by delivery to the purchaser according to the ordering information of the purchaser to repay the loan of the executed loan. Performing the steps.

Before the delivery, registering order information including a loan recommendation amount of a purchasing company to the selling company before executing the loan; And (forwarding) transferring the sales receivable to a bank, wherein the executing the loan may execute a loan within the range of the loan recommendation amount.

The loan recommendation amount is the amount that the purchaser has jointly guaranteed loans of production funds, etc., before the delivery of the selling company, and the payment for the delivery contract with the selling company that the buying company receives from the guarantee institution. It may be the limit of deposit amount according to the payment guarantee or a certain amount recognized by the purchaser.

In the case of after the delivery, for the early recovery of the sales receivable, in the step of executing the loan, transfer the receivables generated for the delivery to a financial institution to execute a loan within the payment amount range based on the payment information. have.

Before the step of executing the loan, setting a loan limit agreed between the financial institution executing the loan and the purchasing company and a guarantee condition agreed between the financial institution and the guarantee institution. The warranty condition may include at least one of a maximum guarantee amount, a guarantee period, and a guarantee fee rate.

The ordering information may further include at least one of an order number, an order amount, a transaction item, an expiration date, and an assurance agency code in addition to the loan recommendation amount.

The step of executing the loan may include checking whether the delivery date is within a certain period from the date of handling the loan.

The step of executing the loan, may omit the credit rating of the selling company and may include the step of paying the loan after confirming whether or not subject to credit.

The step of executing the loan may include the step of transferring the (future) sales receivables to the bank based on the ordering information.

The repayment claim for the loan executed in the step of executing the loan is generated for the selling company and the purchasing company before issuing a tax invoice, and after the issuing tax invoice for the purchasing company.

The payment information may include at least one of a payment amount, a tax invoice preparation date, and a payment date.

The step of performing the settlement process includes the step of remitting the remaining settlement price after repayment of the loan to the sales company account.

According to another aspect of the present invention, an electronic financial transaction method receives a loan application from a selling company within a loan recommendation amount of a buying company and pays a loan before the selling bond of the selling company is determined. After the determination, the loan is repaid by the delivery price of the purchasing company that has received the delivery from the selling company.

According to another aspect of the present invention, an electronic financial transaction system includes: a loan execution unit for executing a loan to a selling company before or after delivery to a buying company; And withdrawal from the account of the purchasing company on the payment date based on the payment information generated by delivery to the purchasing company according to the ordering information of the purchasing company to repay the loan of the executed loan. It includes a payment processing unit to perform.

The electronic financial transaction system further includes an ordering information management unit that registers the ordering information including a loan recommendation amount of a purchaser for a selling company in a database, and the loan execution unit includes the loan recommendation amount range before the delivery. You can run a loan within.

The electronic financial transaction system further includes a payment information management unit for registering the payment information in a database, and in the case after the delivery, the loan execution unit executes the transfer of the receivables generated for the delivery to a financial institution. Loans within a payment amount range based on the payment information may be executed.

The electronic financial transaction system includes a loan limit setting unit that sets a loan limit agreed between a financial institution that executes the loan and the purchase company; And a guarantee condition setting unit for setting a guarantee condition agreed between the financial institution and the guarantee institution.

The electronic financial transaction system according to another aspect of the present invention includes a server operated by a financial institution, and the server includes a controller for controlling loan execution, wherein the controller is configured to determine a sales receivable of a selling company. Before the loan is received, the loan application is received from the selling company within the loan recommendation amount of the purchasing company and the loan is paid. It is characterized by controlling a redemption process.

According to the electronic financial transaction method and system according to the present invention, based on the delivery order information issued to the selling company recommended by the purchasing company, the (future) sales receivables are transferred to the bank, and the purchasing company at the guarantee amount agreed with the purchasing company. Selling companies, such as small and medium-sized enterprises, which deliver loans to purchasers such as large corporations by executing loans within the recommended amount of loans recommended by the loans (solidarity guarantees) to the selling firm and paying the loan repayment as the delivery price of the purchasing firm after delivery. It can provide early support for production funds before delivery.

In addition, according to the electronic financial transaction method and system according to the present invention, after the selling company delivers the goods to the purchasing company, the selling company is based on the purchase order provided by the buying company, regardless of the loan recommendation (solidarity guarantee) of the purchasing company. In this way, the receivables can be transferred to the bank to recover the receivables early, and the repayment of the loan can be processed by the purchaser's delivery price.

In addition, according to the electronic financial transaction method and system according to the present invention, the purchaser sets the guarantee amount limit to the selling company by applying the credit rating of the buying company, not the credit rating of the selling company, within the range of the loan recommendation amount recommended by the purchasing company. By executing loans with low interest rates, it is possible to improve liquidity by prepaying production funds before delivery and maintain a stable supply relationship between the purchasing company and the selling company.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Reference will now be made in detail to the preferred embodiments of the present invention, examples of which are illustrated in the accompanying drawings, wherein like reference numerals refer to the like elements throughout. Like reference numerals in the drawings denote like elements.

1 is a flowchart illustrating an electronic financial transaction method according to an embodiment of the present invention.

Referring to FIG. 1, first, a server processing an online loan product in a financial institution includes a loan limit contracted between a financial institution and a purchasing company and an guarantee condition agreed between the financial institution and the guarantee institution for the electronic financial transaction according to the present invention. This may be set (S110). Here, the loan limit is the loan limit for the selling company, and the guarantee condition is a condition that the purchasing company bears to the guarantee institution in order to guarantee the delivery performance of the selling company, and may include a maximum guarantee amount, a guarantee period, and a guarantee rate. .

In the present specification, the purchasing company is a corporation that has a good credit rating, for example, a credit rating of BBB or higher, and the selling company is a cooperative company that delivers goods, services, and other services to the purchasing company and receives a loan recommendation from the purchasing company. Corresponds to For example, purchasing companies may be affiliated to the top 30 large companies, such as those that encourage governments to support their partners or those that run their own cooperative support departments. The purchasing company may be a company that wants a practical purchasing finance system. For example, a company that has decided to provide loans to a selling company supports loans by recommending loans to the selling company to a financial institution, so that the loan product according to the present invention is normally operated as a payment for payment goods, and after delivery. The loan product according to the present invention can enable the purchase financing similar to the existing credit sales electronic loans. In the case of purchasing companies that are already using credit loans or cyber branches, they can use a connected computer network and facilitate marketing of customer management staff. In addition, the purchasing company that pays the advance payment in relation to the delivery price to the partner company can utilize the loan product according to the present invention usefully.

In addition, the selling company may be a main trading partner that has a supply relationship with the purchasing company, and may be a company that has technical skills such as INNOBIZ and a management innovation company, but is difficult to obtain initial production fund. The selling company may be a company with a high procurement interest rate due to its relatively poor credit rating. The selling company may be supported to apply the purchasing company's credit rating according to the loan product according to the present invention, May be omitted. Selling companies using credit loans can be used as production funds before delivery, and after delivery, they can be used as a means of recovering receivables early, without recommending loans from the purchasing company.

On the other hand, as described above, after the loan limit is agreed and the terms of guarantee are agreed, if a delivery contract is concluded between the selling company and the purchasing company, the purchasing company receives the delivery payment guarantee certificate from the guarantee institution to submit for loan recommendation (S120). . 2 is a view for explaining the interrelationship between a purchasing company, a selling company, a guarantee institution, and a financial institution according to an embodiment of the present invention. Referring to FIG. 2, when a purchasing company enters into a supply contract with a selling company, the selling company may request a loan recommendation for a request for support such as necessary production funds, thereby allowing the purchasing company to issue a recommendation letter. The selling company may apply for the guarantee body and attach a payment guarantee certificate for the contract.

Accordingly, when the selling company submits the issued payment guarantee certificate to the purchasing company, the purchasing company orders the selling company and recommends the loan amount (including joint guarantee) to the limit of the deposit amount according to the payment payment guarantee online. Register the information (S130). Such payment guarantee guarantees are not always to be submitted, and if necessary, the production capital before delivery to the selling company recognized by the purchasing company under the responsibility of the purchasing company, without the guarantee, in consideration of the creditability and transaction status of the recommending company. A loan recommendation including a loan recommendation amount for guaranteeing solidarity with respect to a loan, etc., is possible. The ordering information may include the loan recommendation amount of the deposit limit under this payment guarantee guarantee or the loan recommendation amount recognized by the purchaser without the corresponding guarantee.In addition, the order number, order amount, transaction item, expiration date, and guarantee Engine codes, etc. Assurance agencies include Seoul Assurance Insurance, Construction Credit Union, Professional Construction Credit Union, Facility Construction Credit Union, Electrical Construction Credit Union, Mechanical Credit Union, Engineering Deduction Union and Software Credit Union.

When the order information is registered as described above, the application of the sales company is received and the loan is executed within the range of the loan recommendation amount based on the order information (S140). The selling company may submit basic documents such as loan agreements and credit check checklists and may be registered with the server accordingly. At this time, it is checked whether the delivery date of the selling company to the purchasing company for the application is within a predetermined period, for example, six months from the date of handling the loan. If this is satisfied, the credit rating of the selling company may be omitted, and after confirming whether the selling company is subject to a credit ban through a server or the like, the loan period may be paid by determining the loan period, interest, and fees. Before the payment of the loan, the financial institution may transfer the (future) sales receivables (bonds to be confirmed upon delivery) of the selling entity based on the ordering information. At this time, the repayment claim for the executed loan may be generated for the selling company and the purchasing company before issuing the tax invoice of the selling company, and for the buying company after issuing the tax invoice. In addition, the purchasing company may be deducted from corporate tax on the loan amount used by the selling company pursuant to Article 7 of the Restriction of Special Taxation Act. For example, the tax credit for loans is set at 0.3% for payment within 30 days from the date of issue of the tax invoice and 0.15% for payment within 60 days from the date of issue of the tax invoice.

After the loan is executed as described above, as shown in FIG. 2, the selling company delivers to the purchasing company according to the corresponding ordering information. After the delivery, the selling company registers payment information input from the purchasing company to the server (S150). Purchasing companies that received delivery before the delivery deadline inspect the delivered goods, services, and other services to confirm the sales receivable of the selling company that the purchasing company pays to the selling company, and make necessary payments, including payment amount, date of tax invoice, and payment date. Register the information.

If the delivery is not carried out as scheduled, the purchaser will pay the financial institution the amount of the guarantee according to the delivery guarantee, and the purchaser can receive the amount from the guarantee body. The loan collection of such financial institutions may be operated in the same manner as when the guarantee institution is reimbursed.

On the other hand, if the delivery is made and the payment information is registered in the server, the payment process to withdraw the loan of the loan executed above by withdrawing from the account of the predetermined purchase company on the payment date according to the payment information through the server. (S160). Since the payment date is the day when the delivery price, which is the sales bond of the selling company, is paid from the purchasing company to the selling company, on the payment date, the server automatically withdraws the payment from the purchasing company's account. If there are remaining payments left over from the payment made on the date of payment, the funds may be remitted to the selling company's account.

In addition, in the present invention, the selling company may not apply for a loan only before delivery as described above, and after the delivery, it is possible to collect the sales receivable at an early stage without recommending the loan of the purchasing company. For example, in the case of applying for a loan after the selling company delivers to a purchasing company after the above step S110 is made, without a payment guarantee certificate of step S120 or loan recommendation (solidarity guarantee) of step S130, it is submitted at the time of application. On the basis of the ordering information described above, the selling company transfers the trade receivable (tradeable receivable which will be executed by the financial institution's acceptance notice) resulting from the delivery to the financial institution and delegates the notification for its execution. Accordingly, the financial institution may execute the above-mentioned notice of the receivable transfer of the trade receivable through the server and execute the loan within the range of the settlement amount based on the above settlement information generated by the delivery. Accordingly, the selling company can recover the delivery price early through the transfer of trade receivables, and the server can withdraw the payment from the predetermined purchaser's account on the settlement date according to the payment information and repay the loan of the loan executed above. Can be.

As described above, in an electronic financial transaction for processing a loan product according to the present invention, a loan application from a selling company is received within a loan recommendation amount of the buying company before the sales bond of the selling company is confirmed, and the future of the selling company is received. After the receivables are transferred by the financial institution, the loans are paid out, and after the receivables are confirmed, the loans can be repaid with the delivery price of the purchasing company that received the delivery from the seller. Also, after the selling company delivers the goods to the purchasing company, regardless of the purchaser's loan recommendation (solidarity guarantee), the selling company transfers the receivables to financial institutions, such as banks, based on order information provided by the purchasing company. Early receivables of trade receivables and payment of loans can be settled by the purchaser's delivery price.

Accordingly, loans are made to the selling company under the management of the purchasing company even before confirmation of the bonds from the purchaser's ordering stage to the settlement stage. It can support and smoothly execute and settle the upgraded loan financial products that relay the B2B. In addition, by using the credit rating of the purchasing company, the guarantee amount limit is set, and the loan is executed at a low interest rate corresponding to the purchasing company's credit rating to the selling company without a separate credit rating of the selling company within the recommended loan amount recommended by the purchasing company. By doing so, it is possible to improve liquidity by prepaying production funds before delivery and maintain a stable supply relationship between the purchasing company and the selling company.

3 is an example of a block diagram for implementing an electronic financial transaction system 300 according to an embodiment of the present invention. 3, the electronic financial transaction system 300 according to an embodiment of the present invention is an electronic financial transaction server operated by a communication network 310, a purchasing company terminal 320, a selling company terminal 330, a financial institution. 340, and an assurance authority server 350 operated by the assurance authority.

The communication network 310 may be a wired or wireless Internet, or may be a core network integrated with a wired public network, a wireless mobile communication network, or a portable internet. The electronic financial transaction server 340, which is a server of a financial institution that supports processing of loan products and the like online through the communication network 310, is a purchasing company terminal 320 and a selling company terminal 330 through the communication network 310. The bank receives the loan application from the selling company within the loan recommendation amount of the purchasing company, even before the receivable before the delivery of the selling company is confirmed, while exchanging necessary information with the guarantee institution server 350. The financial institution may transfer the loan and pay the loan, and after the sales receivable is confirmed, the loan may be repaid by the purchase price of the purchasing company that has been delivered from the selling company. In addition, the electronic financial transaction server 340 receives the loan application from the sales company after delivery, transfers the trade receivables to the financial institution, and executes a loan within the range of the settlement amount based on the payment information to advance the trade receivable. The loan can be repaid and paid for by the purchaser on the date of payment.

Here, the purchasing company terminal 320 and the selling company terminal 330 is generally a computer, such as a desktop PC, a notebook PC, but is not limited thereto, and is connected to the electronic financial transaction server 340 through the communication network 310 online. It may be any kind of wired or wireless communication device that can use services such as loan products. For example, the purchasing company terminal 320 and the selling company terminal 330 may be a cellular phone, a PCS phone (PCS phone), a synchronous / asynchronous communication through a wireless Internet or a portable Internet. It includes mobile terminals such as IMT-2000 (International Mobile Telecommunication-2000), and in addition, Palm Personal Computer (PDA), Personal Digital Assistant (PDA), Smart Phone, WAP phone (WAP phone: Wireless) All wired and wireless home appliances / communication devices having a user interface for connecting to the electronic financial transaction server 340, such as an application protocol phone and a mobile play-station, may be comprehensively referred to.

4 is an example of a block diagram for implementing an electronic financial transaction server 340 according to an embodiment of the present invention.

Referring to FIG. 4, the electronic financial transaction server 340 according to an embodiment of the present invention includes a control unit 410, a database 411, a user interface 420, a loan limit setting unit 430, and a guarantee condition setting unit. 440, the ordering information management unit 450, the loan execution unit 460, the payment information management unit 470, and the payment processing unit 480. Electronic financial transaction server 340 performs the processing of the overall loan product described in FIG. 1, which may be implemented in software, hardware, or a combination thereof.

The controller 410 basically corresponds to a processor that controls input / output of information through the user interface 420 and performs overall control of each component of the electronic financial transaction server 340. In particular, the controller 410 controls the execution and settlement of the loan for the loan product according to the present invention. That is, the control unit 410 receives the loan application from the selling company within the loan recommendation amount of the purchasing company before the sales receivable before the selling company is confirmed, and allows the financial institution such as a bank to transfer the sales bond in the future. After the loan is paid and the sales bond is confirmed, the loan is controlled to be repaid to the delivery price of the purchasing company that received the delivery from the selling company. In addition, the control unit 410 receives the loan application from the selling company even after delivery of the selling company, transfers the receivables to the financial institution, and executes the loan within the range of the settlement amount based on the corresponding payment information to execute the receivable. Early retrieval can be made and the loan can be repaid by the purchaser's delivery on the payment date.

The user interface 420 includes a display means such as an LCD (Liquid Crystal Display) or a data input means such as a keyboard, and also includes all the applications for driving the same. The user interface 420 includes all the purchasing company terminals 320 or the like through the communication network 310. The selling company terminal 330, the guarantee authority server 350, and the like include all means such as signal conversion means and communication means necessary for processing the input and output of the necessary information to the user environment.

The loan limit setting unit 430 sets a loan limit (credit limit for the selling company) between the financial institution that executes the loan and the purchasing company. The guarantee condition setting unit 440 is a guarantee condition (a maximum guarantee amount, guarantee period, and guarantee rate, etc. as a condition that the purchaser bears to the guarantee institution in order to guarantee the delivery performance of the selling company) between the financial institution and the guarantee institution. Set it. All of the information set in this way is recorded in the database 411 in correspondence with a predetermined index for managing the loan of the selling company, for example, an ID or an identification number.

The ordering information management unit 450 registers the ordering information including the loan recommendation amount of the purchasing company to the selling company in the database 411 in correspondence with the corresponding index. When the selling company submits the payment guarantee certificate issued from the guarantee pipe to the purchasing company, the purchasing company orders the selling company through the purchasing company terminal 320, etc., and the deposit amount according to the payment payment guarantee online is limited. Register the order information while recommending the loan. The delivery payment guarantee issued by the guarantee institution may be transmitted from the guarantee institution server 350 to the electronic financial transaction server 340 online. The order information includes loan recommendation amount, order number, order amount, transaction item, delivery date, and guarantee institution code. Or, such a payment guarantee certificate does not always have to be registered, and if necessary, the loan recommendation is not necessary for the selling company recognized by the purchasing company under the responsibility of the purchasing company without considering the credit guarantee and transaction status of the recommending company. To the extent possible, the loan recommendation amount may be the amount recognized by the purchaser at the maximum guarantee amount without the corresponding guarantee. In addition, with respect to the loan application after the delivery of the selling company, the ordering information management unit 450 may register the remaining ordering information without information for solidarity guarantee such as the loan recommendation amount or the guarantee institution code.

The loan execution unit 460 executes the loan within the range of the loan recommendation amount before delivery based on the ordering information as described above. When receiving a loan application from a selling company, the selling company prepares and submits basic documents such as a loan agreement and a checklist of credit agreements, and such documents are also recorded in the database 411 corresponding to the information corresponding to the selling company. In executing a loan, the selling company must complete the procedure of transferring the (future) trade receivables based on the purchaser's order information to a financial institution such as a bank, which is recorded in a database. In the execution of a loan, the loan is confirmed after the seller's delivery date to the purchaser for the application is within a certain period of time, for example, within six months from the date of the loan handling and whether the seller is subject to credit. The loan is executed after confirming the period, interest, fee, etc. and transferred to the selling company's account. However, the credit rating of the selling company is omitted. At this time, the repayment claim for the executed loan may be generated for the selling company and the purchasing company before issuing the tax invoice of the selling company, and for the buying company after issuing the tax invoice. In addition, the purchaser may be deducted from the corporate tax on the loan amount used by the selling entity pursuant to Article 7 of the Restriction of Special Taxation Act. For example, the tax credit for loans is set at 0.3% for payment within 30 days from the date of issue of the tax invoice and 0.15% for payment within 60 days from the date of issue of the tax invoice. Selling companies that use credit loans can use these loans as production funds before delivery.

The payment information management unit 470 registers the payment information generated for the delivery to the purchaser in the database 411 according to the order information received before or after the delivery. The purchasing company may register by inputting corresponding payment information through the purchasing company terminal 320 or the like. Purchasing companies that received delivery before the delivery deadline inspect the delivered goods, services, and other services to confirm the sales receivable of the selling company that the purchasing company pays to the selling company, and make necessary payments, including payment amount, date of tax invoice, and payment date. Register the information. If delivery is not carried out as scheduled, the purchaser will pay the financial institution the amount of the guarantee in accordance with the payment guarantee, and the purchaser may receive the amount from the guarantee body. The loan collection of such financial institutions may be operated in the same manner as when the guarantee institution is reimbursed.

On the other hand, after the delivery of the selling company, it is possible to recover the receivables early by applying only without recommending the loan of the purchasing company. That is, the loan execution unit 460 executes the loan within the range of the loan recommendation amount before delivery, but if it is after the delivery, except for the loan recommendation (solidarity guarantee), the documents necessary for the loan, the corresponding order information, and payment are made through the similar process as above. When the information and the like are registered, the transfer of the receivables generated for the delivery to the financial institution may be performed to execute a loan within the range of the settlement amount based on the settlement information.

When the trade receivable generated by the selling company is transferred to the financial institution and the notice for execution is delegated, the loan execution unit 460 executes the notice of receivable transfer of the trade receivable within the range of the settlement amount based on the corresponding settlement information. Notification, etc.), the receivable may be transferred to the financial institution. The electronic financial transaction server 340 and the selling company terminal 330 may transmit and receive the necessary information online through the communication network 310, such a transfer process of the receivables to the financial institution may be processed.

The payment processing unit 480 withdraws from the account of the purchasing company on the payment date according to the payment information managed in the payment information management unit 470 as described above performs a payment processing to repay the loan of the loan executed above. Since the payment date is the day when the delivery price, which is the sales bond of the selling company, is paid from the purchasing company to the selling company, the payment processing unit 480 automatically withdraws the loan from the purchasing company's account on the payment date. If there is a remaining payment amount remaining after the payment is withdrawn on the payment date, the payment processing unit 480 may transfer it to the selling company account.

The functions used in the methods and systems disclosed herein may be embodied as computer readable code on a computer readable recording medium. A computer-readable recording medium includes all kinds of recording apparatuses in which data that can be read by a computer system is stored. Examples of computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, floppy disk, optical data storage, hard disk, removable storage, and also carrier wave (for example, transmission over the Internet). It also includes the implementation in the form of. The computer readable recording medium can also be distributed over network coupled computer systems so that the computer readable code is stored and executed in a distributed fashion.

As described above, the present invention has been described by way of limited embodiments and drawings, but the present invention is not limited to the above embodiments, and those skilled in the art to which the present invention pertains various modifications and variations from such descriptions. This is possible. Therefore, the scope of the present invention should not be limited to the described embodiments, but should be determined not only by the claims below but also by the equivalents of the claims.

1 is a flowchart illustrating an electronic financial transaction method according to an embodiment of the present invention.

2 is a view for explaining the interrelationship between a purchasing company, a selling company, a guarantee institution, and a financial institution according to an embodiment of the present invention.

3 is an example of a block diagram for implementing an electronic financial transaction system according to an embodiment of the present invention.

4 is an example of a block diagram for implementing an electronic financial transaction server according to an embodiment of the present invention.

Claims (19)

In the electronic financial transaction method of receiving a loan application from a server operated by a financial institution to execute a loan and process payment, Executing a loan in the server to remit a loan to a seller's account before or after delivery to the purchaser; And The server repays the loan for the loan by withdrawing from the account of the purchasing company on the payment date on the basis of payment information generated by delivery to the purchasing company according to the ordering information of the purchasing company. Performing payment processing; If before delivery, Registering the ordering information including the loan recommendation amount of the purchasing company to the selling company before executing the loan; And processing the transfer of the future sales receivable of the selling company to a financial institution based on the ordering information, and executing the loan within the range of the loan recommendation amount in executing the loan, If after delivery above, Before the step of executing the loan, processing the transfer of the sales receivable of the sales company generated for the delivery to a financial institution, and executing the loan in the step of executing the loan, within the range of the payment amount based on the payment information; Here, in the case before the delivery, before the execution of the loan, when the delivery contract between the purchasing company and the selling company is concluded, the selling company applies to the assurance agency according to the warranty recommendation issued by the purchasing company to the guarantee institution If you submit a payment guarantee certificate for the joint guarantee issued by the company, The purchaser registers the ordering information including the loan recommendation amount for the guarantee of the solidarity of the deposit amount limit based on the payout guarantee certificate for the order to the selling company, And executing the loan to the selling company based on the ordering information according to the delivery payment guarantee and repaying the loan using the purchase price of the purchasing company. delete delete delete The method of claim 1, wherein before executing the loan, Setting a loan limit for the selling company contracted between the financial institution executing the loan and the purchasing company and a guarantee condition for guaranteeing the delivery performance of the selling company contracted between the financial institution and the guarantee institution; Electronic financial transaction method comprising a. The electronic financial transaction method according to claim 5, wherein the guarantee condition comprises at least one of a maximum guarantee amount, a guarantee period, and a guarantee fee rate. The method of claim 1, wherein the order information, An electronic financial transaction method further comprising at least one of order number, order amount, transaction item, delivery date, and guarantee institution code. The method of claim 1, wherein executing the loan comprises: Checking whether the delivery date is within a certain period from the date of handling the loan Electronic financial transaction method comprising a. The method of claim 1, wherein executing the loan comprises: Remitting the loan after omitting the credit rating of the selling company and checking whether it is subject to a credit prohibition; Electronic financial transaction method comprising a. According to claim 1, Claims for repayment for the loan executed in the step of executing the loan, Generated for the selling company and the purchasing company before issuing a tax invoice, and for the purchasing company after issuing a tax invoice. The method of claim 1, wherein the payment information, An electronic financial transaction method comprising at least one of a payment amount, a tax invoice preparation date, and a payment settlement date. The method of claim 1, wherein performing the payment process comprises: Remitting the remaining payment amount after repaying the loan to a selling company account; Electronic financial transaction method comprising a. delete A recording medium having recorded thereon a computer readable program for performing the method of any one of claims 1 and 5-12. In an electronic financial transaction system that receives a loan application to execute a loan and process payment, A control unit controlling input / output of information through a user interface and controlling loan execution; A loan execution unit that executes a loan to transfer a loan to an account of a selling company before or after delivery to a purchasing company under the control of the controller; Under the control of the controller, according to the ordering information of the purchasing company, the selling company withdraws from the account of the purchasing company on the payment date on the basis of payment information generated by delivery to the purchasing company and the loan for the loan. A payment processing unit performing payment processing to repay the payment; An ordering information management unit that registers the ordering information including the loan recommendation amount of the purchasing company with respect to the selling company, under a control of the controller; And Under the control of the control unit, and includes a payment information management unit for registering the payment information in the database, The loan execution unit, in the case before the delivery, processes the transfer of the future sales receivable of the selling company to the financial institution based on the ordering information registered in the database, and executes the loan within the range of the loan recommendation amount, and after the delivery In the case of the transfer of the receivable from the sales company to the financial institution generated for the delivery, and executes a loan within the range of the settlement amount based on the settlement information; Here, in the case before the delivery, before execution of the loan, under the control of the controller, when the delivery contract between the purchasing company and the selling company is concluded, the selling company guarantees according to the warranty recommendation issued by the purchasing company. If you apply to the institution and submit the payment guarantee certificate for the joint guarantee issued by the guarantee institution to the purchasing company, The purchaser registers the ordering information including the loan recommendation amount for the guarantee of the solidarity of the deposit amount limit based on the payout guarantee certificate for the order to the selling company, And executing the loan to the selling company based on the ordering information according to the payout guarantee and repaying the loan with the purchasing price of the purchasing company. delete delete The method of claim 15, A loan limit setting unit for setting a loan limit for the selling company contracted between the financial institution executing the loan and the purchasing company; And Guarantee condition setting unit for setting a guarantee condition for guaranteeing the delivery of the sales company contracted between the financial institution and the guarantee institution Electronic financial transaction system further comprises. delete

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