KR101353075B1 - Bill account method for supplying of goods - Google Patents

Abstract

The present invention relates to a win-win payment method for goods received, and more specifically, to a win-win payment method for goods received which can improve enterprise image through co-existence effort between enterprises, and can improve co-existence related evaluation score of the government like an accompanied growth index. A purchase enterprise can be provided with assurance of stable supply chain of goods, purchase costs reduction, efficient management function of cooperation enterprises, through competitiveness consolidation of the cooperation enterprises without additional costs load. A first cooperation enterprise can use credit loan separately in case of emergency because the first cooperation enterprise can pay the payment for goods received of a lower cooperation enterprise by using the bond limit received from the purchase enterprise even when the first cooperation enterprise does not have its own credit line, and can expect short term fund operation effect because the first cooperation enterprise can obtain return interest profit by middle repayment processing of the loan which the lower cooperation enterprise gets from a financial company with bond payment. The lower cooperation enterprise can obtain smooth fund operation and can prevent bankrupt danger and can save management costs through stable collection of payments for goods delivered. Also, the financial company can create a new market as a new profit source by supporting the payment for goods delivered and receiving commission among enterprises, and can reduce or disperse the danger according to the cash loan, and can construct business network efficiently. [Reference numerals] (AA) START; (BB) END; (S100) Electronic sale credit issuing step; (S200) First win-win sale credit issuing step; (S300) First loan request step; (S400) First interest payment step; (S500) Bond repayment step

Description

BILL ACCOUNT METHOD FOR SUPPLYING OF GOODS}

The present invention relates to a win-win payment method for delivery payment, and more specifically, to improve the corporate image through the win-win efforts between companies, improve the win-win related evaluation scores such as the shared growth index, purchase companies The company can secure stable supply chain of goods through the strengthening of the competitiveness of partner companies, reduce purchasing cost, and efficiently manage the partner companies without additional cost. It is possible to settle the delivery price of subordinate partner companies by using the credit limit, so that it is possible to use credit credit separately in case of emergency, and to obtain repayment interest income by processing the repayment of loans received from financial institutions by subordinate partner companies with the bond price. Short-term fund management effect can be expected, and subordinate suppliers have a stable meeting Not only can the banks smoothly manage their funds, prevent bankruptcy risks and reduce their management costs, but financial institutions can support new payments from business transactions and receive commissions to create new markets as new sources of revenue. It relates to reducing and distributing risks, reducing management costs, and cooperative payment methods for delivery payments that can effectively build a sales network.

In recent years, social demands for mutual growth and win-win cooperation between companies have increased.

In general, in the domestic supply chain structure, the flow of product flow and fund flow centered on the purchasing company, that is, the ordering, delivery, and payment flow, is placed by the purchasing company to the first supplier, and the first supplier The company re-orders the secondary supplier, the selling company, and the goods procured or delivered from the secondary supplier are delivered to the purchasing company after the final production process of the primary supplier.

Of course, depending on the product, suppliers may re-order from secondary suppliers to third suppliers, and third suppliers may re-order to fourth suppliers, but ultimately purchase by primary suppliers. It is delivered to the enterprise.

When the goods are delivered, payment is made from the purchasing company to the first supplier, and after that, payment is made from the first supplier to the second supplier. In this case, the supply flow is inconsistent with the flow of goods and funds. There was a problem that a serious lack of liquidity occurred in the fastest secondary suppliers or subordinate suppliers such as 3rd and 4th.

Accordingly, Korean Patent Registration No. 10-0794254, "Support System for Partner Companies for Win-Win Management," etc., provides loans to partner companies that have entered into a supply contract in the electronic banking process with the parent company. There is a technology for supporting and repaying loans for payment.

However, these prior arts include a separate guarantee system that can guarantee the payment relationship, which complicates the processing process, and it was difficult to apply to the subordinate suppliers that deliver goods to the primary suppliers. There was also a tendency to evade because there was no profit to return to the secondary supplier.

The present invention has been made to solve the above-mentioned problems,

An object of the present invention is to provide a win-win payment method of delivery can improve the corporate image through the win-win efforts between companies, and improve the win-win related evaluation scores such as the win-win growth index.

Another object of the present invention is to provide a cooperative payment method for a purchaser who can be provided with a stable supply chain of goods through the strengthening of the competitiveness of the partner company, reducing the cost of purchase, and efficient management of the partner company without additional costs. To provide.

Still another object of the present invention is that the first partner company can pay the subordinate partner's delivery price using the credit limit received from the purchaser even without its own credit limit. It is to provide a win-win payment method for delivery payments that can expect short-term fund management effect by obtaining repayment interest income by processing the central payment of loans received from financial institutions by subordinate companies with the payment.

Still another object of the present invention is to provide a cooperative payment method of a subordinate supplier that can smoothly manage funds and prevent bankruptcy risk and reduce management costs through stable collection of the delivery price.

Still another object of the present invention is that financial companies can support the payments generated from business-to-business transactions and receive commissions to create new markets as new revenue sources, reduce and diversify the risks associated with cash loans, reduce management costs, and sales networks. It is to provide a win-win payment method of payment of delivery cost that can be efficiently built.

According to the present invention for achieving the above-described problem, in the coexistence payment method of the delivery price, the purchaser who received the goods from the primary partner company, the electronic sales to issue the electronic sales receivable for the delivery price of the primary partner company Bond issuance step; Issuing a first win-win sales receivable for issuing a first win-win sales receivable for the second partner's delivery price, in which the first partner's collateral is an electronic sales receivable; A first loan request step of requesting a loan from a financial company by collateral of the first win-win sales bond by the second partner company; A first interest payment step in which the financial company approves the loan of the second partner company and receives the first interest from the second partner company until the loan maturity date; And the financial company withdraws the payment amount of the electronic sales receivable from the account of the purchaser on the maturity date of the electronic sales receivable, and confirms whether the primary partner company received the electronic sales receivable secured loan as the security of the electronic sales receivable, If received, the loan amount of the electronic sales receivable security loan and the loan amount of the secondary partner company are repaid, the balance is deposited into the account of the primary partner company, and the loan amount of the loan amount borrowed by the secondary partner company from the loan repayment date to the loan maturity date. A debt repayment step of depositing interest on the remaining date into the account of the first partner company; Providing a win-win payment method including a delivery payment.

After the first interest payment phase, the n (n = 2, 3, 4…) collaterals deliver goods to the nth cooperative firm with the collateral (n-1) win-win bonds (n + 1) Issuing an n-th win-win sales receivable for issuing n-th win-win sales receivables for the delivery price of the second cooperating company; (n + 1) n-th loan request step, in which the partner company requests a loan to a financial company using the n-th win-win sales bond as collateral; And an nth interest payment step in which the financial company approves the loan of the (n + 1) th supplier and receives the interest from the (n + 1) thth partner until the loan maturity date. n + 1) may further comprise depositing interest on the primary partner's account for the remaining date from the loan repayment date to the loan expiration date of the loan amount borrowed by the secondary partner company.

After the first interest payment phase, the n (n = 2, 3, 4…) collaterals deliver goods to the nth cooperative firm with the collateral (n-1) win-win bonds (n + 1) Issuing an n-th win-win sales receivable for issuing n-th win-win sales receivables for the delivery price of the second cooperating company; (n + 1) n-th loan request step, in which the partner company requests a loan to a financial company using the n-th win-win sales bond as collateral; And an nth interest payment step in which the financial company approves the loan of the (n + 1) th supplier and receives the interest from the (n + 1) thth partner until the loan maturity date. n + 1) may further comprise depositing interest on the n partner company's account for the remaining time from the loan repayment date to the loan expiration date of the loan amount borrowed by the partner company.

The maturity date of the first win-win trade receivable may be the same date as the maturity date of the electronic sales receivable or later than the expiration date of the electronic sales receivable.

The maturity date of the first mutually receivable trade receivable is the same date as the maturity date of the electronic sales receivable or later than the maturity date of the electronic sales receivable. It may consist of a date which is later than the maturity date of the (n-1) win-win trade receivable.

According to the win-win payment method according to the present invention, it is possible to improve the corporate image through the mutual win-win efforts between companies, and improve the government's win-win related evaluation scores such as the shared growth index.

In addition, the present invention has the effect that the purchasing company can be provided with a stable supply chain of goods through the strengthening of the competitiveness of the partner company without additional cost, reducing the purchase cost, effective management of the partner company.

In addition, in the present invention, even if the first partner does not have its own credit limit, the subordinate partner can pay the delivery price using the bond limit received from the purchaser, and in case of emergency, the credit partner can be used separately, As a result, it is possible to expect a short-term fund management effect because the subordinate firms can receive repayment interest income through the process of mid-payment of loans received from financial companies.

In addition, the present invention has the effect that the lower partner companies can smoothly manage the funds and prevent the risk of bankruptcy, and reduce the management cost through a stable recovery of the payment.

In addition, the present invention, financial companies can support the payments generated in the transactions between companies and receive commissions to create a new market as a new source of revenue, reduce and diversify the risks associated with cash loans, reduce the management costs, efficient sales network There is an effect that can be built.

1 is a flow chart illustrating a procedure for issuing and repaying a first win-win sales receivable using the payment method for payment of coexistence according to the present invention.
Figure 2 is a flow chart illustrating a procedure for issuing and redeeming the first and second win-win sales receivables using the delivery payment payment win-win payment method according to the present invention.
3 is a view schematically showing the flow of issuance of electronic sales receivables and the first and second win-win sales receivables in the payment method for payment of coexistence according to the present invention.
Figure 4 is a diagram showing the processing flow at the expiration of electronic sales receivables in the delivery method payment coexistence payment method according to an embodiment of the present invention.
5 is a view showing a processing flow at the expiration of electronic sales receivables in the delivery method payment coexistence payment method according to another embodiment of the present invention.
Figure 6 is a network overview of the payment system using the delivery payment coexistence payment method according to the present invention.

Hereinafter, the present invention will be described in detail with reference to the drawings. However, these drawings are for illustrative purposes only and the present invention is not limited thereto. In this case, n described herein is a number in which the natural number 1 is continuously added starting from the natural number 2.

1 is a flow chart illustrating a procedure for issuing and repaying a first win-win sales bond using the delivery-payment win-win settlement method according to the present invention, and FIG. 2 is a first method using the delivery-payment win-win settlement method according to the present invention. And a flowchart illustrating an order of issuing and repaying a second win-win trade receivable, and FIG. 3 schematically illustrates a flow of issuance of electronic sales receivables and first and second win-win sales receivables in the method of payment for win-win payment according to the present invention. It is also. At this time, the win-win sales receivable referred to in this specification is issued by the first partner company as collateral for the receivables received from the purchasing company, or as a collaborative sales receivable received by the receivables receivable from the immediately above partner company as collateral. Means receivables issued by

First, as shown in FIG. 1, the order of issuing and repaying the first win-win sales receivable using the payment method for win-win payment is an e-sale receivable issue step (S100) and a first win-win sales receivable issue step (S200). 1 loan request step (S300), the first interest payment step (S400) and the repayment step (S500) is made.

In the issuance stage of the electronic sales receivable (S100), a purchasing company that receives a product from a first business partner issues a payment receivable claim, that is, an electronic business receivable, for the delivery price of the first business partner. Purchasing firms are corporations with a good credit rating, for example, a BBB with a credit rating of BBB or higher, and may be affiliated with large companies in the 30s, such as those encouraging governments to support win-win partners or operating their own cooperative support departments. have. The first partner is a sales company that has a supply transaction with a purchasing company (a large company). As such, the first cooperative company may be a first selling company that has a trading relationship with a purchasing company (a large company), but in addition, if the first selling company serves as a buying company, a second trading company has a trading relationship with the first selling company. If the selling company or the second selling company acts as a purchasing company, the third selling company that has a trading relationship with the second selling company may be the first cooperative company.

The first win-win sales bond issuance step (S200) includes the supply receivables for the delivery price of the second partner company that delivers the goods to the first partner company by collateralizing the electronic sales bond issued by the purchasing company, In other words, it is the step of issuing the first win-win sales bond. If the primary partner does not issue the first win-win trade receivable, the e-sale receivable is treated the same as a general bond.

The first loan request step (S300) is a step in which the secondary partner company requests a loan to a financial company using the first win-win sales bond as collateral.

The first interest payment step (S400) is a step in which the financial company approves the loan of the second partner company requested in the first loan request step (S300) and receives the first interest until the loan expiration date from the second partner company.

In the repayment stage (S500), the financial company withdraws the payment amount of the electronic sales receivables from the account of the purchasing company on the maturity date of the electronic sales receivable, and whether the primary partner company has received the electronic sales remuneration secured loans as collateral for the electronic sales receivables. If the loan is received, the loan amount of the electronic sales receivable security loan and the loan amount of the secondary partner company are repaid, the balance is deposited into the account of the primary partner company, and the second partner company It is the step that deposits interest on the remaining date from the loan repayment date to the loan expiration date into the account of the first partner company.

As such, when the supply chain structure consists only of a purchasing company, a primary partner company, and a secondary partner company, as shown in FIG. 1, only the first win-win sales bond issued by the primary partner company is repaid. If there is a tertiary partner company that delivers, and the secondary partner company also wants to issue a win-win sales bond, a second win-win sales bond is issued by the second partner.

That is, after the first interest payment step (S400), the second win-win for the third partner's delivery price, which delivers the goods to the second partner, with the first win-win sales bond issued by the first partner. The second win-win sales bond issuing step (S410) for issuing the trade receivables is further included.

In this case, the second loan request step (S420) in which the third partner company makes a loan to the financial company with the second win-win sales bond as collateral and the loan of the third partner company requested by the financial company in the second loan request step (S420). While approving the second interest payment step (S430), which is paid from the third partner, the senior interest until the maturity date may be further included.

Figure 4 is a diagram showing the processing flow at the expiration of electronic sales receivables in the delivery method payment coexistence payment method according to an embodiment of the present invention.

Referring to FIG. 4, according to the supply chain structure, the third supplier may not have the final partner but the fourth and fifth partner companies according to the goods to be delivered. As collateral, a third co-existing trade receivable may be generated. In other words, the supply price of (n + 1) partner companies, where n (n = 2, 3, 4…) suppliers deliver goods to n partner companies with collateral (n-1) win-win sales bonds as collateral The issuance phase of the nth win-win sales receivable, which issues the nth win-win sales receivable for Approving the loan of (n + 1) partner company, it may further include the n-th payment stage of receiving interest from the (n + 1) partner company until the loan maturity date.

In this case, in the debt repayment step (S500), as shown in Fig. 1 and 2, the financial company withdraws the payment amount of the electronic sales receivables from the account of the purchasing company on the maturity date of the electronic sales receivables, n (for example n = 2) Repay the loan amount of the secondary partner company (n + 1, for example, 3) and deposit the balance to the account of the primary partner company; The loan repayment date of the loan amount borrowed by the partner company (n + 1, e.g. 3), as well as depositing interest on the due date remaining from the loan repayment date to the loan maturity date of the loan The repayment interest on the remaining due date from the loan expiration date is also configured to be deposited in the account of the primary partner.

Such an embodiment can more effectively utilize the payment system using the win-win payment method according to the present invention by allowing all the recurring interests generated during the process of repaying the loan amount of the subordinate partner companies to the primary partner company. You can do that.

The financial institution checks whether the second to (n + 1) partner companies have secured a separate loan with collateral for the second to (n + 1) win-win sales bonds, and if so, on the maturity date of the electronic sales receivables. The loan will be repaid.

5 is a view showing a processing flow at the expiration of electronic sales receivables in the delivery method payment coexistence payment method according to another embodiment of the present invention.

In the method of payment for coexistence payment according to another embodiment of the present invention shown in FIG. 5, the processing flow at the expiration of the electronic sales receivable is almost similar to the embodiment shown in FIG. Compared to being configured to be paid to the primary partner companies in FIG. 5, there is a difference in that the repayment interest is configured to be paid to the upper partner company.

That is, in the debt repayment step (S500), the financial company withdraws the payment amount of the electronic sales receivables from the account of the purchasing company on the maturity date of the electronic sales receivables, n (for example n = 2) and the loan amount of the second partner company (n +1, for example, 3) repay the loan amount of the secondary partner company and deposit the balance in the account of the primary partner company, but n (for example, 2) loan of the loan amount borrowed by the secondary partner company The repayment interest for the remaining time remaining from the repayment date to the loan maturity date is deposited in the account of the immediate partner company, that is, the primary partner company, and the loan repayment date of the loan amount borrowed by the partner company (n + 1, e.g. 3). Repayment interest on the remaining due date from the loan maturity date is to be deposited into the account of n (for example, 2) partner company.

In this embodiment, the repayment interest generated during the mid-payment of the loan amount of the subordinate partner companies is paid to the immediate upper partner company so that the superior partner companies receive separate profits, and the subordinate partner companies stably provide the delivery cost. It can be recovered.

Figure 6 is a network overview of the payment system using the delivery payment coexistence payment method according to the present invention.

Referring to Figure 6, the payment system using the delivery method payment coexistence payment method according to the present invention is largely the server 100, the purchaser terminal 200, the primary partner terminal 300 and 2 ~ (n + 1) is configured to include a secondary partner terminal 400.

The server 100 may be installed in a financial company including a bank or the like, or may be installed in a separate place, but is preferably managed by the financial company. The server 100 includes a DB and various modules.

DB of the components constituting the server 100 comprises an electronic sales receivable DB (110) and a win-win sales receivable DB (120). The electronic sales receivable DB 110 includes electronic issues such as the issuing company (purchasing company), the receiving company (primary cooperative company), issue date, maturity date, bond price, installment amount, loan amount, balance, interest rate, etc. Various information related to trade receivables is recorded. At this time, according to the situation, information on the win-win sales receivable issued as collateral for the electronic receivables may be recorded. In the Win-Win Sales Bond DB 120, the issuing company that issues win-win sales bonds is similar to the E-Sales Bond DB 110. {1st partner company or 2 ~ (n + 1) th partner company}, receiving company {2 ~ (n + 1) partner companies}, issuance date, maturity date, bond payments, installment amount, loan amount, balance, etc., and information on electronic sales receivables secured to issue win-win sales receivables.

The electronic sales bond issuance module 130 is an electronic sales when a purchasing company that receives a delivery from a first partner company notifies the server through a network, that is, records various information about the issuance of the electronic sales bond in the electronic sales credit DB 110. The bond will be issued. The win-win sales bond issuance module 120 is for a first-tier partner company or a 2 ~ (n + 1) second-tier partner company that received delivery from a second partner company to issue a win-win sales bond to the win-win sales bond DB 120 through the network. In the case of recording various kinds of information, first or second to (n + 1) win-win sales bonds will be issued. The settlement module 150 includes a win-win sales receivables retrieval module 151, a loan processing module 153, a linear interest receiving module 155, a recurring interest module 157, and a balance module 159. The win-win sales receivables search module 151 searches for how many win-win sales receivables are issued based on one electronic sales receivable. Loan processing module 153 checks all loans based on one electronic sales receivable (electronic sales receivables, first win-win sales receivables, second ~ (n + 1) win-win sales receivables) and repay the loan Module. The pre-interest receipt module 155 is a module in which a financial company accepts the loan of the second through (n + 1) partner companies and receives the first interest until the loan expiration date. The repayment interest module 157 is a module for depositing a repayment interest for the remaining date from the loan repayment date to the loan expiration date of the loan amount borrowed by the 2nd to (n + 1) partner companies into the account of the first partner company. The balance module 159 includes a loan balance processing module 159a and a bond maturity processing module 159b, and the loan balance processing module 159a deposits the remaining balance after repaying all loans to the account of the first partner company. The bond maturity processing module 159b is a module which withdraws from the account of the issuing company that issued the win-win sales receivable on the maturity date of the first and second to (n + 1) win-win sales receivables and deposits them into the account holder's account. to be. The central processing unit 160 basically controls the input and output of information through the purchasing company terminal 200, the primary partner terminal 300, the 2 ~ (n + 1) secondary partner terminal 400 and the server 10 It is a processor that performs overall control of), and simultaneously plays an intelligent role of efficiently managing various data in the fastest time without duplication.

Purchasing company terminal 200 is a terminal used in the purchasing company, the primary partner company terminal 300 is a terminal used in the primary partner company, 2 ~ (n + 1) secondary partner terminal 400 is a lower cooperation The terminal is used by the remaining partner companies except the first partner company that finally delivers to the purchasing company, such as the second partner company that delivers to the first partner company or the third partner company that delivers to the second partner company. Here, the purchasing company terminal 200, the first partner company terminal 300, the second to (n + 1) secondary partner company terminal 400 is a computer, such as a desktop PC, a notebook PC, but is not limited thereto. Connected to the server 100 through a network to communicate through all kinds of wired and wireless communication devices that can use the payment system service using the delivery payment win-win payment method according to an embodiment of the present invention, that is to communicate through a wireless Internet or a portable Internet Mobile terminal such as cellular phone, PCS phone (Personal Communications Services phone), synchronous / asynchronous IMT-2000 (International Mobile Telecommunication-2000), PC (Palm Personal Computer), personal digital assistant (PDA) User interface for connecting to the server 100, such as a personal digital assistant, a smart phone, a wireless application protocol phone, and a mobile play-station. All wired and wireless electronics / communication device having a device can mean comprehensive.

The network is to enable the server 100 and the purchasing company terminal 200, the primary partner terminal 300, the second to (n + 1) secondary partner terminal 400, and the wired or wireless Internet network An intranet, a telephone network, a satellite network or a mobile network, or a combination of two or more, or similar networks will be used.

In addition, the server 100 may be configured to include a connection device or a DB having a separate purpose, a module having a separate purpose, etc. to be connected to the network, but the main configuration constituting the present invention to help understanding of the present invention In addition to the elements, descriptions of general components already known and used will be omitted.

Hereinafter will be described in detail with reference to the accompanying drawings, the payment method for coexistence payment delivery according to the present invention according to such a configuration.

Table 1 shows an example of the operating mechanism of the delivery method payment coexistence payment method according to the present invention. Here, the term " discount " described in the table means borrowing the corresponding amount from the financial company.

First, as the first supplier delivers to the purchasing company, the purchasing company issues 1 billion won of electronic sales receivables to the first partner for 60 days.

As a result, the first partner secured 300 million won in electronic sales receivables, loaned 300 million won from the financial company, retained the remaining 700 million won for 15 days, and issued the first win-win sales bond 700 million won to the second partner for 60 days. .

The second supplier asks for a loan with the first win-win sales bond as collateral to obtain a loan of 300 million won from the first win-win sales bond of 700 million won. Received from At this time, the financial company confirms whether the secondary partner company is subject to credit prohibition and determines the loan period, interest, fee, etc. based on the credit rating of the purchasing company rather than the credit partner company.

In addition, the second partner held 400 million won for 15 days, excluding the 300 million won borrowed from the first win-win sales receivable, and issued the second win-win sales receivable for 400 million won for 60 days.

The third partner receives loans of 300 million won from the financial company, with the first win-win sales receivable of 400 million won, and the financial company receives the first interest of 300 million won from the third partner by the loan maturity date.

At this time, the financial company stores the loan amount provided to the second and third partner companies in the server 100 so that the total loan amount related to the electronic sales receivables can be inquired.

Thereafter, at the end of February, the maturity date of the electronic sales receivables, the financial company pays out 1 billion won in electronic sales receivables issued to the primary partner in the purchasing company's account. In addition, the financial company repays the maturity of the 300 million won in electronic sales receivables secured by the first partner company as collateral for the electronic sales receivables with the 1 billion won settled.

Next, the financial company deposits 700 million won to be paid to the secondary partner in a payment-only account with limited withdrawal, and 300 million won from the secondary partner and 300 million won from the third partner. After repayment of the loan, the repayment interest for the remaining period from the loan repayment date to the loan maturity date of the loan amount paid by the second partner company or the third partner company shall be paid to the first partner company. Alternatively, the recurring interest incurred in processing the loans of the second partner company is paid to the first partner, which is the top partner, and the recurring interest incurred in processing the loans of the third partner is the second partner, the top partner. Pay on.

When the time passes by March 15 and the maturity date of the first win-win trade receivables is reached, 100 million maturity will be paid from the deposit account of the first partner company to the deposit account of the second partner company. It is to process the second win-win trade receivable issued to the company.

As such, according to the win-win payment method according to the present invention is to use a payment method in accordance with the reality of the delivery transaction between companies, the primary partner company receives a loan from the financial company using the electronic sales receivable received from the purchasing company, Subordinate suppliers may be issued or held to maturity for win-win sales receivables.

At this time, it is possible to freely designate the bond price and maturity date when issuing the win-win sales receivables by subordinate partner companies. The low interest rate conditions of the standard can be applied.

In addition, the primary cooperating company may borrow all the electronic sales receivables issued by the purchasing company from the financial company.

Thus, those skilled in the art will appreciate that the present invention may be embodied in other specific forms without departing from the spirit or essential characteristics thereof.

It is therefore to be understood that the embodiments described above are to be considered in all respects as illustrative and not restrictive and the scope of the invention is indicated by the appended claims rather than the foregoing description, It is intended that all changes and modifications derived from the equivalent concept be included within the scope of the present invention.

100: server 110: electronic sales receivable DB
120: Win-Win Sales Bond DB 130: Electronic sales bond issuance module
140: win-win sales bond issuance module 150: settlement module
151: win-win sales receivables search module 153: loan processing module
155: prepayment module 157: recurring interest module
159: balance module 159a: loan balance processing module
159b: bond maturity processing module 160: central processing unit
200: purchasing company terminal 300: primary partner company terminal
400: terminal 2 ~ (n + 1) partner companies

Claims (5)

In the coexistence payment method for delivery payment using a server and a terminal and a network connecting the server and the terminal,
An electronic sales receivable issuance step of issuing an electronic sales receivable for a delivery price of a first cooperating company that delivers goods to the purchasing company through a terminal of a purchasing company connected to the server;
A first payment for a delivery price of a second partner company which delivers goods to the first partner company with collateral of the electronic sales bond issued in the issuance of the electronic sales bond through the terminal of the first partner company connected to the server; Issuing a first win-win sales bond in which win-win sales bonds are issued;
A first loan request step in which a loan is requested to the server with the first win-win sales bond issued in the first win-win sales bond issuing step through a terminal of the second cooperative company connected to the server;
A first interest payment step in which the server accepts the loan requested in the first loan request step and withdraws the first interest up to the loan expiration date from the account of the second cooperative company; And
The server,
On the maturity date of the electronic sales receivables, the payment amount of the electronic sales receivables is withdrawn from the account of the purchasing company and deposited in the account of the first partner company,
When the primary partner company receives the electronic sales receivable loan by checking whether the primary partner company has received the electronic sales receivable loan using the electronic sales receivable as collateral,
Repay the loan amount of the electronic sales receivable secured loan and the loan amount of the second partner company as the payment amount of the withdrawn electronic sales receivable, and deposit the remaining balance to the account of the first partner company;
A debt repayment step of depositing a repayment interest for the remaining date from the loan repayment date of the loan amount borrowed by the second partner company to the loan expiration date into the account of the first partner company;
Payment for coexistence payment method comprising a.
The method of claim 1,
After the first interest payment phase,
(N + 1) which delivers goods to the n-th supplier with collateral (n-1) win-win sales receivables through the terminal of the n-th (n = 2, 3, 4…) partner company connected to the server Issuing an n-th win-win sales receivable, in which an n-th win-win sales receivable is issued for the delivery price of the second cooperating company;
An nth loan request step in which a loan is requested to the server with the nth win-win sales bond secured through a terminal of the (n + 1) th cooperative company connected to the server; And
An nth interest payment step, wherein the server receives the (n + 1) th partner's loan and withdraws the preliminary interest up to the loan expiration date from the (n + 1) th partner's account; Further comprising:
In the debt repayment stage,
The server, the (n + 1) coexistence of the payment of payments further comprises depositing interest on the date remaining from the loan repayment date to the loan expiration date of the loan amount borrowed by the (n + 1) second partner company's account Payment Method.
The method of claim 1,
After the first interest payment phase,
(N + 1) which delivers goods to the n-th supplier with collateral (n-1) win-win sales receivables through the terminal of the n-th (n = 2, 3, 4…) partner company connected to the server Issuing an n-th win-win sales receivable, in which an n-th win-win sales receivable is issued for the delivery price of the second cooperating company;
An nth loan request step in which a loan is requested to the server with the nth win-win sales bond secured through a terminal of the (n + 1) th cooperative company connected to the server; And
An nth interest payment step, wherein the server receives the (n + 1) th partner's loan and withdraws the preliminary interest up to the loan expiration date from the (n + 1) th partner's account; Further comprising:
In the debt repayment stage,
The server, the (n + 1) coexistence of the payment of payments further comprises depositing interest on the date remaining from the loan repayment date of the loan amount borrowed by the (n + 1) second partner companies into the account of the n-th partner company Payment Method.
The method of claim 1,
The expiration date of the first win-win sales receivables is the same date as the expiration date of the electronic sales receivables, or later than the expiration date of the electronic sales receivables.
The method according to claim 2 or 3,
The maturity date of the first mutually trade receivables is the same date as the maturity date of the electronic sales receivables or later than the maturity date of the electronic sales receivables,
The expiration date of the nth win-win sales bond is the same date as the expiration date of the (n-1) win-win sales bond or a date later than the expiration date of the (n-1) win-win sales bond. Way.

Images