KR101704805B1 - Bill account method for supplying of goods - Google Patents

Abstract

The present invention relates to a method and apparatus for paying for a payment of a delivery charge, more specifically, it is possible to recover a delivery payment safely even if there is a problem with a higher-level cooperative enterprise, thereby enhancing the cash liquidity of the SME and the competitiveness of the enterprise, , Which can reduce the financial cost of the subordinate cooperating companies and can also obtain the interest income from the subordinate cooperative enterprises by using the credits, .

Description

{BILL ACCOUNT METHOD FOR SUPPLYING OF GOODS}

The present invention relates to a method and apparatus for paying for a payment of a delivery charge, more specifically, it is possible to recover a delivery payment safely even if there is a problem with a higher-level cooperative enterprise, thereby enhancing the cash liquidity of the SME and the competitiveness of the enterprise, , Which can reduce the financial cost of the subordinate cooperating companies and can also obtain the interest income from the subordinate cooperative enterprises by using the credits, .

In general, the circulation structure of the product flow and the flow of funds, centering on purchasing companies such as government agencies and large corporations, that is, the flow of ordering, delivery, and settlement, the purchasing company issues an order to the first partner company, And the goods procured or delivered from the secondary cooperating company are delivered to the purchasing company after the final production process of the primary cooperating company.

Of course, depending on the product, it may be possible to increase the number of cooperating companies, such as reopening from the secondary cooperating company to the tertiary cooperating company, and the tertiary cooperating company to the fourth cooperating company. It is delivered to the enterprise.

When the delivery of the goods is completed, the payment is made to the first partner company from the purchasing company, and thereafter the payment is made from the first partner company to the second partner company. In this case, There is a serious shortage of liquidity in the fastest secondary cooperating companies or subordinate cooperating companies such as tertiary and quaternary.

Thus, in the "win-win co-payment method for payment of the delivery charge" disclosed in the patent document 1 filed and registered by the applicant of the present application, it is possible to pay the delivery price using the bond issued by the higher company, And to solve the problem of lack of liquidity by making it possible to receive loans.

However, in the case of Patent Document 1, a higher cooperative company, for example, a first cooperative company, does not pay for a product supplied by a lower cooperative enterprise, for example, a second or third cooperative company due to default or foreclosures Failure to do so could result in subcontractors failing to receive the loan.

Accordingly, the applicant of the present invention intends to apply for an invention capable of supplementing the contents of Patent Document 1 with this point.

[Prior Art Literature]

[Patent Literature]

(Patent Document 1) Korean Patent No. 10-1353075

SUMMARY OF THE INVENTION The present invention has been made to solve the above-mentioned problems occurring in the prior art,

An object of the present invention is to provide a win-win settlement method of paying a delivery price that can enhance the cash flow of the SMEs and the competitiveness of the enterprise, even if there is a problem with a high-ranking cooperation enterprise.

Another object of the present invention is to provide a win-win settlement method of paying a delivery price, which can reduce the financial cost of a sub-cooperative company by preferentially applying interest rates at the time of a loan of a cooperation company.

It is another object of the present invention to provide a win-win settlement method of paying a delivery price, in which a sub-cooperative company can obtain a return interest income by using a creditor's money and expect a short-term fund management effect.

According to another aspect of the present invention, there is provided a method of providing a payment of goods to a purchaser using a network connecting a server, a terminal, a server and a terminal, A step of issuing a foreign trade receivable for issuing a foreign trade receivable for the delivery price of the first supplier; Issuance of 1st win-win accounts receivable to issue 1st win-win accounts receivable for delivery price of second-party cooperating companies to deliver goods to first-party cooperatives with collateralized accounts receivable as collateral through the terminal of the first partner company connected to the server ; A first lending request step of requesting a server to lend a first win-loss receivable as a security through a terminal of a secondary cooperative company connected to the server; A first loan processing step of receiving a loan from the loan amount to the loan expiration date while accepting the loan requested in the first loan request step and depositing the loan amount minus the interest in the account of the secondary cooperating company; And the server withdraws the settlement amount of the foreign trade receivable from the account of the purchasing company on the expiration date of the foreign trade receivable, reimburses the loan amount requested in the first loan request step, and subtracts the payment amount of the first win- The amount of the first loan request step is subtracted from the payment amount of the first win-win receivable, and the amount of the loan is transferred to the account of the financial institution. step; The payment method includes the following:

The expiration date of the first win-loss trade receivable is later than the expiration date of the foreign trade receivable. The server redeems the loan amount loaned at the first loan processing stage on the expiration date of the foreign trade receivable, It may be constituted so as to deposit the converted interest on the remaining date until the expiration date of the win-loss receivable in the account of the first cooperating company.

If the loan is requested after the expiration date of the foreign trade receivable in the first loan request step, the server approves the requested loan with the payment of the first win-loss receivable deposited in the account of the financial institution as collateral, Interest is paid until the expiration date of the loan, and the amount of the loan minus the interest is deposited into the account of the secondary cooperative company. After the repayment of the loan amount borrowed with the payment of the first win- It may be configured to deposit the converted interest on the remaining date from the mid-term redemption date to the expiration date of the first win-loss receivable in the account of the first-party cooperation company.

When a loan is requested to a server as a collateral through a terminal of the primary cooperative company connected to the server, the server approves the loan of the first cooperating company and receives interest from the loan amount to the expiration date of the loan, In the first loan processing step, the server approves the loan of the secondary cooperating company and transfers the interest from the loan amount to the expiration date of the loan in the first loan processing step, while transferring the loan amount to the account of the first cooperating company, And the amount of the loan minus the interest is deposited in the account of the secondary cooperating company, but the interest rate lower than the interest rate applied to the purchasing company may be applied.

In the first loan processing step, the server approves the loan of the secondary cooperating company and receives the interest from the loan amount to the expiration date of the loan, deposits the loan amount minus the interest in the account of the secondary cooperating company, May be configured to apply interest rates lower than interest rates.

According to another aspect of the present invention, there is provided a method of providing a payment of a payment of a delivery charge by using a network connecting a server, a terminal, a server and a terminal, the method comprising the steps of: A step of issuing a foreign trade receivable for issuing a foreign trade receivable for the delivery price; Delivery of the n-th cooperative company, which supplies goods to the (n-1) cooperative company with collateralized accounts receivable through the terminals of the cooperating companies connected to the server (n-1; n = 2, 3, 4 ...) (N-1) win-win receivables issuance step in which (n-1) win-win receivables are issued for the money; An (n-1) lending request step of requesting the server to lend the (n-1) win-win receivables as collateral through the terminal of the n-th cooperative company connected to the server; The server receives the interest from the loan amount to the expiration date of the loan while approving the loan requested in the (n-1) loan request step, and transfers the loan amount to the account of the nth- 1) a loan processing step; (N + 1) cooperating companies that deliver goods to the n-th cooperative company with the (n-1) win-win receivables as collateral through the terminal of the n-th cooperative company connected to the server. A n-th win-win receivables issue step in which the bonds are issued; An n-th loan request step of requesting a server to lend an n-th win-win receivable as a security through a terminal of an (n + 1) -th cooperation company connected to the server; And the server receives the interest from the loan amount to the expiration date of the loan while approving the loan requested in the nth loan request step and transfers the loan amount minus the interest to the account of the (n + 1) Processing step; And the server redeems the loan amount requested in the (n-1) loan request step by withdrawing the settlement amount of the foreign trade receivable from the account of the purchasing company on the expiration date of the foreign trade receivable, and (n-1) (N-1) to the account of the (n-1) cooperative company as the payment for the payment of the payment of the bond (n-1) (n-1) from the financial institution's account on the expiration date of the (n-1) win-win receivables, and the amount of the (n-1) Withdraws the payment amount and reimburses the loan amount requested in the nth loan request step and deposits the remaining balance minus the payment amount of the nth winner receivable in the account of the nth cooperative company as the payment amount of the nth cooperative company, After deducting the loan amount of the nth loan request step that has been repaid from the settlement price of the win-win accounts receivable, (N + 1) of the (n + 1) th cooperative company as the payment for the payment of the (n + 1) th cooperative company by withdrawing the payment amount of the n th co- (N + 1) loan request amount, if there is a loan amount requested in the (n + 1) loan request step, the loan amount is redeemed, the reimbursed loan amount is deducted, When the (n + 1) win-loss receivables are issued, the balance after subtracting the settlement amount of the (n + 1) win-win receivables is transferred to the account of the (n + 1) The settlement price of the trade receivable is a bond repayment step of depositing in the account of the financial institution; The payment method includes the following:

The expiration date of the (n-1) win-loss receivables is later than the expiration date of the accounts receivable, the expiration date of the n-th win-loss receivables is later than the expiration date of the (n-1) (N-1) lending request step and the n-th loan request step on the expiration date of the receivables, and the lending amount requested by the n-th cooperative company in the (n-1) (N-1) co-financing for the remaining period from the maturity date of the accounts receivable to the expiration date of the (n-1) co-salable receivables in all loans requested by the (n + 1) And transfer interest on the remaining date from the expiration date of the (n-1) win-loss receivable to the expiration date of the n-th win-loss receivable can be configured to be deposited in the account of the n-th cooperative company.

If the lending is requested after the expiration date of the foreign trade receivable in the (n-1) lending request step, the server transmits the request for the payment of the (n-1) (N-1) receivables from the lending amount to the maturity date of the loan, depositing the loan amount minus the interest into the account of the n-th cooperative company, (N-1) co-financing receivables to the maturity date of the (n-1) win-win receivables from the redeemed mid- If the loan is requested after the expiration date of the foreign trade receivable in the loan request stage, the server approves the requested loan with the payment of the nth win-win receivables deposited in the account of the financial institution as collateral, Interest until maturity (N + 1) to the account of the partner corporation, repayment of the loan amount borrowed with the settlement amount of the nth win-loss receivable, and repayment of the loan amount during the next business day, To the expiration date of the nth win-win accounts receivable, to the account of the n-th cooperation company.

If the loan is requested to the server as collateral through the terminal of the (n-1) th affiliated company connected to the server, the server approves the loan of the (n-1) (N-1) loan, the server applies the interest rate applied to the purchasing company, and in the (n-1) loan processing stage, the server receives the interest of up to n (N-1) a rate lower than the interest rate applicable to the cooperative company. The interest rate of the loan is calculated as follows: In the n-th loan processing step, the server approves the loan of the (n + 1) -th cooperation enterprise and receives interest from the loan amount to the maturity date of the loan, Deposit to the account of the cooperative enterprise, but interest rate applicable to the nth cooperative enterprise It can be configured to apply a lower rate.

If the loan is requested to the server as collateral through the terminal of the (n-1) th affiliated company connected to the server, the server approves the loan of the (n-1) (N-1) loan, the server applies the interest rate applied to the purchasing company, and in the (n-1) loan processing stage, the server receives the interest of up to n (N-1) a rate lower than the interest rate applicable to the cooperative company. The interest rate of the loan is calculated as follows: In the n-th loan processing step, the server approves the loan of the (n + 1) -th cooperation enterprise and receives interest from the loan amount to the maturity date of the loan, Deposit to the account of the cooperative enterprise, but interest rate applicable to the nth cooperative enterprise It can be configured to apply a lower rate.

According to another aspect of the present invention, there is provided a method of providing a payment of a payment of a delivery charge by using a network connecting a server, a terminal, a server and a terminal, the method comprising the steps of: A step of issuing a foreign trade receivable for issuing a foreign trade receivable for the delivery price; Delivery of the n-th cooperative company, which supplies goods to the (n-1) cooperative company with collateralized accounts receivable through the terminals of the cooperating companies connected to the server (n-1; n = 2, 3, 4 ...) (N-1) a win-win receivables issue step in which the (n-1) win-loss receivables for the money are issued at an expiration date that is earlier than the expiration date of the accounts receivable; (N + 1) cooperating companies that deliver goods to the n-th cooperative company with the (n-1) win-win receivables as collateral through the terminal of the n-th cooperative company connected to the server. A n-th win-loss receivable issue step in which the bond is issued with an expiration date earlier than the expiration date of the (n-1) win-win receivables; The server fetches the settlement amount for the nth winner receivable from the account of the nth cooperative company on the expiration date of the nth winner receivable, deposits the payment amount into the account of the (n + 1) On the due date of the win-loss receivables, the payment amount for the (n-1) win-win receivables is withdrawn from the account of the (n-1) cooperating company and deposited into the account of the n-th cooperative company. (N-1) a bond repayment step of withdrawing the settlement amount for the foreign trade receivable from the account of the enterprise and depositing the settlement amount in the account of the cooperating enterprise; (N-1) win-win receivables as collateral if the payment for the n-th win-win accounts is not deposited in the account of the n-th cooperative company until the expiration date of the n-th win- (n-1) co-financing receivables on the maturity date of the (n-1) co-financing receivables, and transferring the loan amount to the account of the (N-1) win-win accounts receivable from the account, and repay the loan amount for the n-th win-win accounts receivable that is forcibly approved. The remaining amount from the expiration date of the n-th win-win receivables to the expiration date of the accounts receivable After deducting the loan amount of the reimbursed nth win-win business receivable, the amount is paid to the account of the n-th cooperative company, and the payment amount for the foreign trade receivable from the account of the purchasing company on the due date of the receivable trade receivable (N-1) of the win-win receivables From getting to the maturity date of the credit sales bonds pay interest on the remaining group, provides a win-win delivery Payment Payment method comprising credited to your account balance is the (n-1) primary cooperative enterprises minus the interest.

If the payment for the (n-1) win-win receivables is not deposited in the account of the (n-1) th cooperative company until the maturity date of the (n-1) (N-1) mutually beneficial accounts receivable, and transfers the amount of the loan to the account of the n-th cooperative company. The amount of payment for the accounts receivable from the accounts of the purchasing company on the maturity date of the accounts receivable trade (N-1) winnings receivable from the maturity date of the (n-1) win-loss receivables to the maturity date of the accounts receivable, (N-1) credits of the redeemed redeemed accounts receivable (n-1) to the account of the cooperative company.

According to another aspect of the present invention, there is provided a method of providing a payment of a payment of a delivery charge by using a network connecting a server, a terminal, a server and a terminal, the method comprising the steps of: A step of issuing a foreign trade receivable for issuing a foreign trade receivable for the delivery price; Delivery of the n-th cooperative company, which supplies goods to the (n-1) cooperative company with collateralized accounts receivable through the terminals of the cooperating companies connected to the server (n-1; n = 2, 3, 4 ...) (N-1) a win-win receivables issue step in which the (n-1) win-loss receivables for the money are issued at an expiration date that is earlier than the expiration date of the accounts receivable; An (n-1) lending request step of requesting the server to lend the (n-1) win-win receivables as collateral through the terminal of the n-th cooperative company connected to the server; (N-1) loan processing step of accepting the loan requested in the (n-1) loan request step and depositing the loan amount in the account of the n-th cooperation company; (N + 1) cooperating companies that deliver goods to the n-th cooperative company with the (n-1) win-win receivables as collateral through the terminal of the n-th cooperative company connected to the server. (N-1) win-win accounts receivable issue, which is later than the expiration date of the (n-1) win-loss receivables and is issued at an expiration date that is earlier than the expiration date of the accounts receivable; An n-th loan request step of requesting a server to lend an n-th win-win receivable as a security through a terminal of an (n + 1) -th cooperation company connected to the server; The server receives the interest from the loan amount to the expiration date of the loan while approving the requested loan in the nth loan request step and transfers the loan amount minus the interest to the account of the (n + 1) step; And the server obtains the payment amount for the (n-1) co-credit receivable from the account of the (n-1) cooperating company on the expiration date of the (n-1) In the request phase, the customer repays the loan amount requested, the loan amount refunded at the nth loan request stage is redeemed, the interest is paid for the remaining period from the expiration date of the nth win-loss receivable to the maturity date of the accounts receivable, After the deduction of the loan amount of the nth win-loss trade receivable, the payment proceeds of the nth win-win business receivables are transferred to the account of the financial institution, (N + 1) to the account of the partner company, withdraws the settlement amount of the foreign trade receivable from the account of the purchasing company on the maturity date of the foreign trade receivable The expiration date of the (n-1) (B) a bond repayment phase in which interest is paid for the remaining period until the maturity date of the foreign trade receivable, and the amount of interest is subtracted from the account of the (n-1) The payment method includes the following:

At the bond redemption stage, the server can be configured to deposit the converted interest for the remaining period from the expiration date of the (n-1) win-loss receivables to the expiration date of the n-th win-loss receivables to the account of the (n-1) have.

If the payment for the (n-1) win-win receivables is not deposited in the account of the (n-1) th cooperative company until the maturity date of the (n-1) (N-1) mutually beneficial accounts receivable, and transfers the amount of the loan to the account of the n-th cooperative company. The amount of payment for the accounts receivable from the accounts of the purchasing company on the maturity date of the accounts receivable trade (N-1) winnings receivable from the maturity date of the (n-1) win-loss receivables to the maturity date of the accounts receivable, (N-1) credits of the redeemed redeemed accounts receivable (n-1) to the account of the cooperative company.

According to the win-win settlement payment method according to the present invention, it is possible to safely recover the delivery amount even if there is a problem with the higher-level cooperative enterprise, thereby enhancing the cash liquidity of the SME and the competitiveness of the enterprise.

In addition, the present invention has the effect of reducing the financial cost of the subordinate cooperating companies by preferentially applying interest rates at the time of cooperating companies.

In addition, the present invention has the effect of expecting the effect of short-term funds management because the sub-cooperative company can obtain the interest income from the circulation by using the bond money.

Fig. 1 is a flowchart showing a procedure of a payment win-win win-win settlement method according to the first embodiment of the present invention.
FIG. 2 is a flowchart showing a procedure of a payment win-win win-win settlement method according to a second embodiment of the present invention.
FIG. 3 is a flowchart showing a procedure of a payment win-win win-win settlement method according to a third embodiment of the present invention.
FIG. 4 is a flowchart showing a procedure of a payment win-win win-win settlement method according to a fourth embodiment of the present invention.
FIG. 5 is a schematic diagram of a system to which a method of paying for payment of goods in accordance with the present invention is applied.
FIG. 6 is an explanatory view of an account used in a system to which a payment win-win payment method according to the present invention is applied.
FIG. 7 is an explanatory diagram of a interest rate applied to a foreign currency trade receivable loan used in a system to which a payment win-win payment method according to the present invention is applied.
FIG. 8 is an exemplary view showing details that a monitoring company that can monitor a system to which a payment system for providing payment according to the present invention is applied can be provided.
9 is a diagram showing a contract procedure of a system to which a payment win-win payment method according to the present invention is applied.
FIG. 10 is an exemplary view of an operation mechanism of a payment win-win win-win settlement method according to a second embodiment of the present invention.
11 and 12 are diagrams illustrating an operation mechanism of a payment win-win co-payment method according to a third embodiment of 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.

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. Here, the bonds issued by the present invention are basically foreign trade receivables. In this specification, the bonds issued by the purchasing company are referred to as foreign trade receivables in order to distinguish them from those issued by the purchasing company and the cooperating companies, The bonds are referred to as win-win accounts.

Fig. 1 is a flowchart showing a procedure of a payment win-win win-win settlement method according to the first embodiment of the present invention.

Referring to FIG. 1, the method of payment win-win payment according to the first embodiment of the present invention includes a step of issuing a foreign currency trade receivable (S10), a first win-win receivables issue step S20, a first loan request step S30 ), A first loan processing step (S40), and a bond repayment step (S50).

In the step S10 of issuing the foreign trade receivables, the foreign trade receivables for the delivery price of the primary supplier company delivering the goods to the purchasing company through the terminal of the purchasing company connected to the server are issued. The purchasing company is a government corporation or a corporation with a good credit rating such as a credit rating of BBB or above. It is a corporation that encourages the government to support the win-win cooperation enterprise or a company that operates the cooperation support department by itself. It can be a large company series. And the primary cooperating company is a sales corporation that has a supply-trade relationship with the purchasing company. In addition, if the first sales company plays the role of purchasing company, the second sales company that has a business relationship with the first sales company, and the second sales company if the second sales company plays the role of purchasing company, 3 sales companies, etc., may be considered as the primary cooperating companies.

The step of issuing the first win-win receivables (S20) is a step of issuing the first win-win receivables (step S20) The first win-loss receivable is issued. If the primary cooperative company does not issue the first win-loss receivable, the trade receivables are treated the same as ordinary bonds.

The first lending request step S30 is a step of requesting the server to lend the first win-loss receivable as a collateral through the terminal of the second cooperating company connected to the server, that is, the second cooperating company secures the first win- And asking the financial institution for a loan.

In the first loan processing step S40, the server receives the interest from the loan amount to the loan expiration date while approving the loan requested in the first loan request step S30, and subtracts the loan amount, To the account of the cooperating enterprise.

In the bond repayment step (S50), the server fetches the settlement amount of the foreign trade receivable from the account of the purchasing company on the expiration date of the foreign trade receivable, reimburses the loan amount requested in the first loan request step (S30) The balance of the first win-win receivables is transferred to the account of the financial institution (deposit account), and the balance of the first win- As shown in FIG. As described above, in the present invention, the balance is not deposited into the account of the primary cooperating company in the bond repayment step (S50), but is deposited into the deposit account, that is, the account of the financial institution. As a result, even if the primary partner company suffers bankruptcy or foreclosure, the amount to be paid to the subsidiary company can be paid regardless of the primary partner company. At this time, no interest is paid on the balance deposited in the account of the financial institution.

In the win-win settlement payment method according to the first embodiment of the present invention, the expiration date of the first win-loss trade receivable is composed of a date later than the expiration date of the foreign trade receivable. Accordingly, the server redeems the loan amount borrowed in the first loan processing step (S40) on the expiration date of the foreign trade receivable, that is, the loan amount borrowed by the secondary cooperating company, from the maturity date of the foreign trade receivable, The interest on the remaining date till the expiration date is transferred to the account of the first partner company so that the subsidiary company can obtain the interest income from the bond by using the bond money,

In addition, in the first embodiment of the present invention, it is possible to lend a win-loss trade receivable as a collateral even after the due date of the trade receivable. This is because the balance is transferred to the account of the financial institution instead of depositing the balance in the bond repayment step (S50) to the account of the primary cooperating company. It is possible to lend the payment of the win-loss receivable deposited in the account of the financial institution as collateral Do. That is, if a loan is requested after the expiration date of the foreign trade receivable in the first loan request step (S30), the server transmits the requested loan with the payment of the first win-win receivable deposited in the account of the financial institution as collateral . At this time, the server receives the interest from the loan amount to the expiration date of the loan first by subtracting it from the loan amount. The amount of the loan without interest is transferred to the account of the secondary cooperative company, and the loan amount borrowed with the payment of the first win-win receivable bond is repaid during the next business day. The interest on the remaining date from the mid-term redemption date to the maturity date of the first win-loss receivable will be deposited into the account of the first-party co-operative company.

On the other hand, in the first embodiment of the present invention, the interest rate at the time of lending may be preferentially applied instead of paying the converted interest to the cooperating enterprise. That is, when a loan is requested to a server as a collateral through a terminal of a primary cooperative company connected to the server, the server approves the loan of the first cooperating company and receives interest from the loan amount to the expiration date of the loan , The interest rate applied to the purchasing company (national institution, large corporation, etc.) is applied, and in the first loan processing step (S40), the server transfers the loan amount of the secondary cooperating company The loan amount is paid from the loan amount to the expiration date of the loan, and the loan amount without the interest is deposited into the account of the secondary cooperating company, but the interest rate lower than the interest rate applied to the purchasing company can be applied. In this case, after the maturity repayment of the foreign trade receivables is completed, if the secondary partner, not the first partner, requests the loan, the server receives the interest and applies the interest rate lower than the interest rate applied to the purchaser, The amount of the loan is deposited into the account of.

As shown in Figure 1, if the supply chain structure consists of purchasing companies, first-tier suppliers, and second-tier suppliers, only the first win-win receivables issued by the first-tier suppliers will be redeemed. However, If there are cooperating companies and the second cooperating companies also want to issue mutually beneficial accounts receivable, the second cooperating company issues the second coin receivables. In addition, there may be 4, 5 ... tea cooperating companies that supply 3, 4 ... tea cooperating companies, and these 3, 4 ... tea cooperating companies also have 3, 4 ... Can be issued.

On the other hand, the number n described in the present specification is a number that starts from the natural number 2 and is continuously added to the natural number 1.

FIG. 2 is a flowchart showing a procedure of a payment win-win win-win settlement method according to a second embodiment of the present invention.

2, in the second embodiment of the present invention, the foreign currency trade receivables issue step S10, the (n-1) (N-1) lending process step S40, and the bond refunding step S50, but the (n-1) lending process step S40 and the There is a difference in that the nth winning account receivable issue step S42, the n-th loan request step S44 and the n-th loan process step S46 are further included during the bond repayment step S50. Here, the foreign currency receivable issue step S10, the (n-1) win-win receivables issue step S20, the (n-1) lending request step S30, the (n-1) Is the same as the step of issuing the foreign trade receivables (S10), the first win-win receivables issue step (S20), the first loan request step (S30) and the first loan processing step (S40) of the first embodiment described above, Is omitted.

(N-1) win-win receivables as collateral through the terminals of n (n = 2, 3, 4 ...) cooperating companies connected to the server, (N + 1) cooperating companies that supply goods to the suppliers. For example, the first co-producers issue bonds issued by the first cooperative company are collateralized and the second co- And issue a second win-loss receivable for the delivery price of the third-party cooperating company that delivers the goods to the enterprise.

The n-th loan request step S44 is a step of requesting the server to lend the n-th win-win receivables as a collateral through the terminal of the (n + 1) -th cooperation company connected to the server. For example, The company requests the loan to the financial institution with the second win-loss receivable as collateral.

In the n-th loan processing step S46, the server approves the loan requested in the n-th loan request step and receives interest from the loan amount to the expiration date of the loan, subtracts the interest, The third-party cooperating company. This also applies to cases where a subcontractor is linked to a third or higher, ie, a 4, 5, 6, ... subcontractor. In this way, when a loan is requested from a sub-cooperative company, the server deducts interest from the loan amount and deposits the remaining amount into the account of the sub-cooperative company that requested the loan.

On the other hand, in the second embodiment of the present invention, in the bond redemption step (S50), the server expires the respective bonds at maturity of the foreign trade receivables and the win-loss receivables. First, at the expiration date of the foreign trade receivables, the server fetches the settlement amount of the foreign trade receivable from the account of the purchasing company and sends a request (S30), for example, (N-1) co-financing receivables, for example, the balance of the first co-financing receivables minus the payment of the first co-financing receivables, to the (n-1) (N-1) coin receivables, for example, in the (n-1) loan request step that is redeemed from the settlement proceeds of the first win-win receivables. After deducting the amount of the loan, it is deposited into the account of the financial institution. In the expiration date of the (n-1) th win-win trade receivable, for example, the first win-win receivable, the payment amount of the (n-1) ), For example, the amount of the loan requested in the second loan request step is reimbursed, and the balance obtained by subtracting the payment amount of the nth win-loss receivable, for example, the settlement amount of the second win-win receivable, It deposits the money in the account of the nth cooperative company as the payment amount of the cooperating company and subtracts the loan amount of the nth loan request step that is repaid from the payment amount of the nth winning account receivable and deposits the money in the account of the financial institution. Finally, the server fetches the payment amount of the nth win-win receivables from the financial institution's account at the expiration date of the nth win-loss receivable, for example, the second win-win receivable, (N + 1) cooperating company as a payment for the third partner company, and if there is a loan amount requested in the (n + 1) loan request step not shown in the drawing, the loan amount is repaid (N + 1) win-win receivables, which are not shown in the drawing, are issued, and the (n + 1) After depositing the balance of the receivables minus the settlement price in the account of the (n + 1) th cooperative company, the settlement proceeds of the (n + 1) win-win receivables are deposited in the account of the financial institution. In other words, as the expiration date of the win-loss receivables comes, the balance remaining after the reimbursement is deposited in the account of the financial institution, so that the settlement becomes possible regardless of the parent company. Again, no interest is paid on the balance deposited in the account of the financial institution.

In the second embodiment of the present invention, the expiration date of the (n-1) co-trade receivable, for example, the first co-trade receivable, is later than the expiration date of the receivable trade receivable, and the nth co- The expiration date of the Second Win-Off-Trade Receivable consists of a date later than the expiration date of the (n-1) Win-Win Receivables. Accordingly, the server redeems the loan amount loaned in the (n-1) loan request step S30 and the n-th loan request step S44 on the maturity date of the foreign trade receivable, and the (n-1) (S) requested by the n-th cooperative company, for example, the secondary cooperating company in step (S30), and in all the loans requested by the (n + 1) (N-1) co-financing receivables from the expiration date of the accounts receivable to the expiration date of the first (n-1) The interest to be transferred to the company's account and the remaining interest from the expiration date of the (n-1) win-loss receivable to the expiration date of the nth win-loss receivable, for example, the second win-win receivable, To the account of the secondary cooperating company. In other words, in the second embodiment of the present invention, among the lower win-win trade receivables (below the second win-loss receivables), the interest expense on the remaining days from the maturity date of the accounts receivable trade until the maturity date of the first win- And the interest on the remaining date from the expiration date of the first win-loss receivable to the expiration date of the second win-loss receivable will be transferred to the account of the second cooperating company. From the expiration date of the second win-loss receivable The interest on the remaining remuneration until the expiration date of the third win-win receivables is made up in the order of the third-party cooperating company's account, so that the sub-cooperating company can obtain the interest income from the bond using the bond money.

Also, in the second embodiment of the present invention, as in the first embodiment, even after the maturity date of the accounts receivable trade, it is possible to lend the co-financing receivables as collateral. That is, if a loan is requested after the expiration date of the foreign trade receivable in the (n-1) lending request step S30, the server receives the (n-1) In this case, the amount of interest from the loan amount to the expiration date of the loan is paid, and the amount of the loan minus the interest is transferred to the account of the nth cooperation company. (N-1) win-win receivables from the redemption date after the redemption of the loan amount after the repayment of the next day, as the loan amount is the collateral payment of the first win-loss receivable in which the loan amount is deposited in the account of the financial institution. (N-1) to the account of the cooperative company, for example, the first cooperative company. If the loan is requested after the expiration date of the foreign trade receivable in the n-th loan request step S44, the server receives the n-th win-win receivables deposited in the account of the financial institution, for example, (N + 1) to the account of the third-party cooperating company, for example, the account of the third cooperating company, while receiving the interest from the loan amount to the expiration date of the loan, . Thereafter, after the repayment of the loan amount borrowed with the settlement proceeds of the nth win-loss accounts receivable as collateral, the interest on the remaining date from the maturity date to the maturity date of the nth win- To be deposited into the account of the enterprise, for example, the secondary cooperating enterprise.

On the other hand, the second embodiment of the present invention may also be configured to preferentially apply the interest rate at the time of lending, instead of paying the converted interest to the cooperative enterprise. That is, when a loan is requested to the server as a collateral through the terminal of the (n-1) -th cooperative company connected to the server, that is, the terminal of the first cooperative company, the server transmits the loan of the (n-1) , The interest from the loan amount to the expiration date of the loan is paid, and the loan amount minus the interest is deposited into the account of the (n-1) th cooperation company. At this time, interest rates applicable to purchasing companies (national institutions, large corporations, etc.) are applied. Then, in the (n-1) lending processing step (S40), the server approves the loans of the n-th cooperative enterprise and the second cooperating enterprise and receives the interest from the loan amount to the expiration date of the loan and subtracts the loan amount (n-1) to the account of the nth cooperative company, but applies a lower interest rate than that applied to the (n-1) cooperative company. Finally, in the n-th loan processing step (S44), the server approves the loan of the (n + 1) -th cooperation enterprise, for example, the third-party cooperating company, receives interest from the loan amount to the expiration date of the loan, (N + 1) of the loan amount to the account of the cooperating company, but may be configured to apply a lower interest rate than the interest rate applied to the nth cooperative company, for example, the secondary cooperating company.

FIG. 3 is a flowchart showing a procedure of a payment win-win win-win settlement method according to a third embodiment of the present invention. In the third embodiment of the present invention, unlike the first and second embodiments described above, the expiration date of the trade receivables is the latest date, and the expiration date becomes faster as the trade receivable becomes lower. If there is a loan request in this state, the interest that accrues in the period between the expiration date of the co-trade receivable issued by the cooperating company and the expiration date of the receivable trade receivable shall be borne by the cooperating company issuing the co-

Referring to FIG. 3, the method of payment win-win payment according to the third embodiment of the present invention mainly includes the step of issuing a foreign trade receivables, the step of issuing an (n-1) win-win receivables, / RTI >

(N-1; n = 2, 3, 4, ...) for delivering goods to the purchasing company through the terminal of the purchasing company connected to the server (S100) And is the same as the step of issuing the foreign currency trade receivables (S10) in the first and second embodiments described above.

(N-1) co-trade receivables issue step (S200) is a process of issuing (n-1) the foreign trade receivables as collateral via the terminals of the (n-1) (N-1) win-win trade receivables, for example, the first win-win receivables for the delivery price of the n-th cooperating companies that deliver goods to the cooperating companies, for example, the second cooperating companies (N-1) win-win trade receivables are issued at an expiration date earlier than the expiration date of the foreign trade receivables, similar to the first win-loss receivable issue step (S20) in the first and second embodiments described above There is a difference.

(N-1) win-win receivables (for example, the first win-win receivables) through the terminal of the n-th cooperative company connected to the server, for example, (N + 1) cooperating companies that deliver goods to the n-th cooperative company as collateral, for example, the n-th coin receivables for the delivery price of the third cooperating company, for example, the second coin receipt Is substantially similar to the n-th win-win receivables issue step (S42) of the second embodiment described above, except that the n-th win-trade receivable is issued with an expiration date that is earlier than the expiration date of the (n-1) Respectively.

In the bond redemption step (S400), the server receives the n-th win-win receivable from the account of the n-th cooperative company, for example, the second cooperating company, on the expiration date of the n-th co- (N + 1) to the account of the third-party cooperative company, for example, the account of the third cooperative company. On the expiration date of the (n-1) th win-win receivables, for example, the first win-win receivables, the (n-1) The payment amount for the bond is withdrawn and deposited in the account of the nth cooperative company. In addition, the expiration date of the foreign trade receivable is the step of withdrawing the settlement amount for the foreign trade receivable from the account of the purchasing company and depositing it in the account of the (n-1) subsidiary company.

However, until the expiration date of the nth win-loss receivable, for example, the second win-win receivable, the settlement price may not be deposited into the account of the nth cooperative company, for example, the second cooperating company.

(N-1) win-win accounts receivable, if it is confirmed that the settlement payment for the n-th win-win receivables is not deposited in the account of the n-th cooperative company until the expiration date of the nth win- For example, for the first win-win receivables as a collateral, we forcibly approve the nth win-loss receivable, for example, the second win-win receivables, and transfer the loan amount to the (n + 1) Transfer to the account of the cooperation enterprise. On the expiration date of the (n-1) win-loss receivables, (n-1) win-win receivables from the accounts of the (n-1) For example, the second mutual-trade receivable, and after subtracting the loan amount of the reimbursed n-th win-win receivables, the n-th cooperation It will be deposited into the account of the enterprise, for example the secondary partner. In this case, the interest that accrues in the period between the expiration date of the co-trade receivable issued by the cooperating company and the expiration date of the receivable trade receivable shall be borne by the cooperating enterprise issuing the co- In other words, for example, a secondary partner issuing the second win-loss receivable will bear interest on the period between the maturity date of the second win-loss receivable and the maturity date of the accounts receivable. That is, in the above case, the server must receive interest from the secondary cooperative company for the remaining period from the expiration date of the nth co-prognosis receivable, for example, the expiration date of the second coexistence receivable to the maturity date of the accounts receivable, Is not paid from the account of the second partner company, but the amount deposited in the account of the second partner company is subtracted from the amount of money, and the remaining balance is transferred to the account of the secondary partner company. Therefore, the second-tier supplier shall pay interest on the period between the maturity date of the second win-loss receivable and the maturity date of the accounts receivable, ) After paying the interest on the remaining date until the expiration date of the win-loss receivable, the balance after subtracting the interest is deposited. Thereafter, when the expiration date of the accounts receivable becomes expiration date, the server fetches the settlement amount for the accounts receivable from the account of the purchasing company. In this case, the (n-1) win-win receivables, for example, (N-1) partner company, for example, the first partner company must pay the interest for the remaining period until the expiration date of the foreign trade receivable, and the remaining balance of the (n-1) You will be deposited into your account.

Another example is that until the expiration date of the nth win-loss receivables, the settlement proceeds are transferred to the account of the n-th cooperative company, but until the maturity date of the (n-1) (N-1) win-win receivables, for example, the first win-win receivables, may not be deposited in the accounts of the cooperating companies, for example, the first cooperating company.

If the payment amount is not deposited in the account of the (n-1) th cooperation company, the server forcibly approves the loan for the (n-1) It will be deposited into the account of the partner company, for example, the secondary partner company. In addition, the server reimburses the loan amount for the (n-1) win-win receivables that are forcibly approved by withdrawing the settlement amount of the foreign trade receivables from the account of the purchasing company on the maturity date of the accounts receivable, 1) The interest for the remaining period from the maturity date of the (n-1) win-loss receivables to be paid by the (n-1) cooperating company issuing the win-loss accounts receivable to the maturity date of the accounts receivable, After deducting the loan amount of the (n-1) win-loss accounts receivable, it is transferred to the account of the (n-1) partner company.

In addition, in the case that the settlement price is not deposited in the account of both the n-th cooperative company and the (n-1) -th cooperative company, the two methods described above, ie, the server receives the first co- It will use both forcibly approving loans to bonds and forcing approvals to lend to the first win-win receivables as collateral.

Meanwhile, although not shown, the third embodiment of the present invention may also include a step of requesting a loan and processing the requested loan as in the second embodiment, and the amount of the loan may be included in each of the mutually- On the due date of Here, for example, an n-th cooperative company, for example, a second cooperative company, may request to lend to the server with the (n-1) co-credit receivable, for example, the first co- If the loan request is made within the period from the issuance date of the nth win-loss receivable, for example, the second win-loss receivable, ie the payment amount of the second win-loss receivable, It is possible to borrow within the nth win-loss trade receivable, for example, the balance of the second win-win receivables minus payments and interest. Of course, such a loan limit will recover after the expiration date of the nth win-loss receivable, for example, the second win-win receivable.

FIG. 4 is a flowchart showing a procedure of a payment win-win win-win settlement method according to a fourth embodiment of the present invention.

As shown in FIG. 4, the fourth embodiment of the present invention has a structure similar to that of the second embodiment described above, and has a structure in which the above-described second embodiment and the third embodiment are mixed. Here, the same contents as those described in the second and third embodiments will be omitted.

First, in the fourth embodiment of the present invention, the (n-1) win-win receivables issuing step S20 includes a step (n-1) of a win-win trade receivable, for example, It is issued on the expiration date of a date earlier than the expiration date.

Then, in the (n-1) lending processing step S40, the server approves the loan requested in the (n-1) lending request step S30 and deposits the loan amount in the account of the n-th cooperation company .

Next, the nth win-loss trade receivable issued in the nth win-win receivables issuance step (S42), for example, the second win-win receivables is the (n-1) win-win trade receivables, for example, And is issued on the expiration date of the date earlier than the maturity date of the accounts receivable.

Meanwhile, in the n-th loan processing step S46, the server receives the interest from the loan amount to the loan expiration date while approving the loan requested in the n-th loan request step S44, and subtracts the interest amount from the loan amount to the (n + 1) Deposit to the account of the cooperating enterprise.

Accordingly, in the bond redemption step (S50), the server transmits the (n-1) th co-trade receivable, for example, the maturity date of the first co- (N-1) win-win accounts receivable, for example, the first win-win accounts receivable, from the account of the (n-1) n The loan amount refunded in the loan request step (S30) is redeemed. In addition, the server is responsible for the remaining period from the expiration date of the nth cooperative company, for example, the interest earned by the second cooperating company, ie, the nth win-loss trade receivable, After receiving the interest and deducting the loan amount of the redeemed nth win-loss sales receivable, for example, the second win-win receivable, and transferring it to the account of the n-th cooperative company, Deposit the payment of the bond in the account of the financial institution. (N + 1) by withdrawing the settlement amount for the nth win-loss receivable, for example, the second win-win receivable from the account of the financial institution, on the expiration date of the nth win-loss receivable, And to the account of the third party, for example, the third party. Finally, the expiration date of the accounts receivable is calculated by subtracting the settlement amount for the accounts receivable from the account of the purchasing company (n-1) to the amount of interest to be paid by the cooperating company, -1) Receive interest on the remaining days from the maturity date of the win-loss receivable, for example, the maturity date of the first win-loss receivable to the maturity date of the accounts receivable, and subtract the interest from the amount of interest to the (n-1) It will be deposited into the account of the first partner company.

At this time, the server receives the interest accrued from the expiration date of the (n-1) win-loss receivable, for example, the first win-win receivable, until the expiration date of the nth win-win receivable, (n-1) -th cooperative corporation, for example, the account of the first cooperative corporation.

(N-1) coincidental revenues (for example, (n-1)) in the account of the (n-1) cooperative enterprise, for example, the first cooperative enterprise, until the expiration date of the When it is confirmed that the settlement payment for the bond, for example, the first win-loss receivable is not received, the server sends the (n-1) win-win receivables as collateral to the first win- Forcibly approve the loan and deposit the loan amount into the account of the nth cooperative company, for example, the secondary cooperative company. On the expiration date of the foreign trade receivables, the payment amount for the foreign trade receivable is withdrawn from the account of the purchasing company, and the loan amount for the (n-1) (N-1) win-win receivables to be paid by a cooperating company, for example, the first cooperative company, for example, interest from the expiration date of the first win-loss receivable to the expiration date of the accounts receivable, After deducting the loan amount of the redeemed (n-1) win-loss receivables, the amount is transferred to the account of the (n-1) th cooperative company, for example, the primary cooperating company.

FIG. 5 is a schematic diagram of a system to which a method of paying for payment of goods in accordance with the present invention is applied.

The system to which the win-win payment method according to the present invention is applied is a system for issuing a win-win receivable to a cooperative company by using a foreign trade receivable issued by a purchasing company as a collateral using a network connecting a server, Payment systems, government agencies, large corporations, and cooperating companies.

Commodities are foreign trade accounts receivable (no claim for redemption right), and discounted by interest rate of purchasing company or below.

As shown in FIG. 5, (1) a request for issuing a Firm-Banking account receivable from a purchasing company to a bank is executed, and (2) the issuance information of the accounts receivable is transmitted to a monitoring company, for example, a billing computer. (3) The primary cooperative company issues mutually beneficial accounts receivable (external receivables) to the secondary cooperating company with the foreign trade receivables as collateral. Here, Firm-Banking refers to a financial management service that connects financial institutions with corporate computers so that companies can access various services and information without having to go to a bank.

Next, (4) From the monitoring company to the bank, information on the issuance of mutually beneficial accounts receivable (external receivables) of the secondary cooperative company is transmitted. Information on the issuance of such win-loss receivables is also transmitted if the win-loss receivable is issued to the third-party co-operative enterprise. ⑤ If the third partner company requests the issuance of win-loss receivables (external receivables), ⑥ Win-loss receivables (external receivables) are issued to the third-party cooperating companies.

And (7) the loans of the first partner companies can be applied and implemented, and (8) and (2) third and (third) partner companies can apply for loans and execute them.

FIG. 6 is an explanatory view of an account used in a system to which a payment win-win payment method according to the present invention is applied.

As shown in FIG. 6, the account used by the purchasing company is a payment account, which is an account from which the issued amount is withdrawn on the due date of the issued foreign trade receivable.

The account used by the partner companies (1st, 2nd, 3rd, etc.) is a payment account and an account dedicated to settlement. The account is an account in which the remaining amount of the bonds is deposited on the maturity date of accounts receivable or win- An account is an account for the settlement of a win-win receivable issue issued, in particular a win-loss receivable issued for a shorter period than the receivable trade receivable.

The account used by the financial institution (bank) is a deposit account (optional withdrawable account), which holds the amount of the bonds issued after the expiration of the accounts receivable. These deposit accounts have a tag for each bond, can be selectively withdrawn for each bond, and are free from defaults, foreclosures, repellents, etc. of the issuer. Accordingly, even though the issuer can not settle the settlement amount of the bond, the account of the issuing company and the account of the financial institution are separated, so that the subordinate cooperating companies receive the payment or receive the loan from the financial institution Lt; / RTI >

FIG. 7 is an explanatory diagram of a interest rate applied to a foreign currency trade receivable loan used in a system to which a payment win-win payment method according to the present invention is applied.

As shown in FIG. 7, the loan application rate for the win-win receivables of the first, second and third cooperating companies can be preferentially applied to the sub-cooperating companies.

That is, in the case of the first cooperative company, the base interest rate of the purchasing company (for example, a large company) is applied and the lower the interest rate of the first cooperating company is applied to the lower cooperative company.

For example, if the base rate of the purchasing company is 4%, the loan rate of the first supplier is also 4%, the loan rate of the second supplier is 3.90% discounting 0.10% , And the interest rate of the third-tier suppliers can be applied at a rate of 3.85% by discounting the interest rate of the first tier suppliers by 0.15%. The rate at which the interest rate of the purchasing company is discounted or the rate at which the interest rate is lowered to the subordinate cooperative company may vary depending on the financial institution.

FIG. 8 is a diagram showing an example of details that a monitoring company monitoring a system to which a system for applying a payment of a supply of goods according to the present invention is applied, FIG. 9 is a system FIG.

Referring to FIG. 8, in the case of the purchasing company (government agency, large corporation, etc.), the monitoring company views the issuance history of accounts receivable bonds and monitors payment payment monitoring services, for example, monitoring of the first, , The number of loans, the amount of loans), monitoring by period, and monitoring by the first partner.

In the case of the first partner company, it is possible to inquire receivable receivable history of foreign trade accounts receivable issue inquiry (first issued foreign trade receivables), second and third partner monitoring service (issue number, issue amount, ), Monitoring by period, second partner monitoring by partner, inquiry of loan history, inquiry of interest on loan, etc.

In the case of the 2nd and 3rd partner companies, it is possible to inquire receivable receivable history of foreign trade receivable (issued by top-ranking company) and foreign-currency receivable issue history (sub-company issuance), issuance of foreign trade receivable, , Monitoring of subcontractors (number of issuances, amount of issuances, number of loans, amount of loans), monitoring by period, monitoring by subcontractors, inquiry of loan details, inquiry of interest on denomination, etc. .

As shown in FIG. 9, the system to which the payment of win-win payment according to the present invention is applied includes a purchasing company (such as a government agency or a large corporation), a cooperative company (a first to a third), a bank For example, a settlement agent may be used to make an agreement.

Hereinafter, a method of paying for the payment of goods in accordance with the present invention will be described in detail with reference to the accompanying drawings. Here, the term "discount" in the drawings means that the financial institution borrows the corresponding amount.

FIG. 10 is an exemplary view of an operation mechanism of a payment win-win win-win settlement method according to a second embodiment of the present invention. Here, since the operating mechanism of the first embodiment is included in the operating mechanism of the second embodiment, a further explanation will be omitted.

Referring to FIG. 10, the purchasing company issued the foreign trade receivables of 1 billion KRW to the first partner company on 4/3 of the 4 / 20th period.

As a result, the first partner company issued the first win-win receivables of KRW 0.7 billion to the second-party cooperatives with collateral of 1 billion KRW in foreign trade receivables.

In order to receive a loan from a financial institution for a loan amounting to 300 million won on 4/20 of the maturity date of the trade receivables, the second partner company requests the loan with the first win-win receivable as collateral, and the financial institution will pay interest of 300 million won And receive payment from a secondary partner company. At this time, the financial institution can confirm the loan period, interest, commission, etc. based on the credit of the purchasing company, not the credit of the secondary supplier, after confirming whether the secondary business partner is subject to the credit prohibition.

In response to a loan request from a secondary partner company, the financial institution computes the interest on the remaining date from the loan date (4/20) of the loan amount (KRW 300 million) for which the secondary partner company wants to receive the loan to the loan maturity date, Deposits it into the account of the cooperating company, and deposits the remaining amount minus the interest to be transferred to the account of the secondary cooperating company.

In addition, since the date on which the loan was received by the secondary cooperative company is the expiration date of the receivable trade receivable, the financial institution withdraws 1 billion won from the account of the purchasing company and deposits the foreign trade receivables issued to the primary cooperating company, Of the first win-win accounts receivable of KRW 300 million, minus the KRW 700 million of the first win-win receivables, to the account of the first partner company, and then deposit the remaining KRW 400 million in the account of the financial institution.

On the other hand, the second partner company issued the second win-win accounts receivable 400 million won to the third partner company.

The third-tier partner will receive a loan from the financial institution for 5/15 and a loan of 300 million won from the second win-loss receivables of 400 million won, and the interest for 300 million won will be paid from the third partner company until the maturity date of the loan.

In the financial institution, the third-party company calculates the interest to be paid on the remaining date from the loan amount of ₩ 300 million (5/15) to the maturity date of the first win-loss receivables, deposits it in the account of the first- 1 Calculate the converted interest for the remaining period from the expiration date of the win-loss receivable to the expiration date of the second win-loss receivable, and transfer the interest to the account of the second-party cooperating company.

Then, the remaining amount of the loan amount of 300 million won minus the interest to be paid is deposited into the account of the third-party cooperation enterprise.

Accordingly, in the account of the financial institution, 100 million won of money is kept until the maturity date of the second win-loss receivable, and the settlement is made on the expiration date of the second win-win receivable.

11 and 12 are diagrams illustrating an operation mechanism of a payment win-win co-payment method according to a third embodiment of the present invention.

First, in FIG. 11, since the maturity of the foreign trade receivables issued to the primary cooperating companies by the purchasing company is the longest and the maturity of the second coin receivables issued by the secondary cooperating companies to the third cooperating companies is shortest, The date is earlier than the maturity date of the first win-loss receivables issued to the secondary partners.

In this case, the expiration date (5/20) of the second win-loss receivables comes first. Since the expiration date (5/31) of the first win-win receivables has not arrived yet, the second win- The amount to settle the bond must be deposited.

If the amount to settle the second win-loss receivable is deposited in the account of the second supplier, the financial institution withdraws it at 5/20 and expires the second win-loss receivable until the account of the third- Deposited.

In addition, since the expiration date (5/31) of the first win-loss receivable is earlier than the maturity date (6/30) of the receivable trade receivable, the amount of the first win-loss receivable should be deposited in the account of the first supplier do.

The financial institution confirms that the amount to settle the first win-loss accounts receivable is deposited in the account of the first cooperating company, withdraws it, and deposits 700 million won in the account of the second cooperating company.

Then, when the due date of the accounts receivable becomes 6/30, the financial institution withdraws 1 billion won from the account of the purchasing company and deposits it in the account of the first supplier.

At this time, the first win-loss receivables received by the second-tier suppliers will be less than 300 million won when the second win-loss receivables are issued between 4/20 to 5/20. This is due to the fact that the secondary supplier is responsible for the interest amount for 11 days from 5/20, the maturity date of the 2nd win-win receivables to 5/31, the maturity date of the first win-win receivables, to be. The limit on the issuance of these bonds will recover to the limit of W700mn after the maturity date of the second win-loss receivables.

However, unlike in FIG. 11, although the expiration date of the second win-loss receivable has arrived, the amount to settle the second win-win receivable may not be deposited in the account of the second supplier.

In this case, as shown in FIG. 12, in the financial institution, the first win-loss receivable is pledged as the collateral for the second win-win receivables regardless of the second supplier's request, And the amount of approved loan amount of 400 million won will be deposited into the account of the third party supplier.

Next, the financial institution shall, if the amount to settle the first win-loss receivable in the account of the first supplier is deposited on the maturity date of the first win-loss receivable (5/31), withdraw it and forcibly approve the second win- Of interest from the date of the loan to the expiration date of the first win-win accounts receivable, repay the loan amount of the second win-win accounts receivable, and transfer the remaining balance to the account of the second supplier.

At this time, if the amount to settle the first win-win receivable is not deposited in the account of the first supplier at the expiration date (5/31) of the first win-win receivable, Forbearance trade receivables are used as collateral to compulsorily approve loans to the 1st win-loss trade receivables. From the approved loan amount, interest from the loan date of the second win-loss receivable to the expiration date of the first win-win receivable is paid, and the remaining balance is deposited into the account of the secondary supplier.

When the expiration date (6/30) of the accounts receivable becomes expiration date, the loan amount of the second win-loss receivable that the financial institution withdraws 1 billion won from the account of the purchasing company and approves the loan forcibly, and the loan amount of the first win- , The balance remaining after deducting the interest amount will be deposited into the account of the first supplier.

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.

S10, S100: Issue stage of foreign trade accounts receivable
S20, S200: the first win-win receivables issue phase, the (n-1) win-win receivables issue phase
S30: first loan request step, (n-1) loan request step
S40: first loan processing step, (n-1) loan processing step
S42, S300: nth win-win receivables issue step S44: nth loan request step
S46: n-th loan processing step S50, S500:

Claims (15)

A method for providing a payment of a delivery charge using a network connecting a server and a terminal, and between the server and the terminal,
A foreign trade receivable issuing step in which a foreign trade receivable for a delivery price of a primary cooperating company delivering a commodity to the purchasing company via a terminal of a purchasing company connected to the server is issued;
(N-1) cooperating companies to deliver the goods to the (n-1) -th cooperative company as collateral via the terminal of the cooperating enterprise (n-1; n = 2, 3, (N-1) win-win receivables issue step in which the (n-1) win-win receivables for the delivery price of the company are issued at an expiration date earlier than the expiration date of the foreign trade receivables;
(N + 1) cooperating companies that deliver merchandise to the n-th cooperative company as collateral (n-1) win-win receivables as collateral via the terminal of the n-th cooperative company connected to the server (N-1) win-win receivables are issued at an expiration date that is earlier than the expiration date of the (n-1) win-win receivables;
The server fetches the settlement amount for the nth winning account from the account of the n-th cooperative company on the expiration date of the nth winning account, deposits the account in the account of the (n + 1) (N-1) win-win receivables from the accounts of the (n-1) -th cooperation company on the expiration date of the (n-1) Withdrawing a payment amount for the foreign trade receivable from the account of the purchasing company on the expiration date of the foreign trade receivable and depositing the payment in the account of the (n-1) -th cooperation enterprise; , ≪ / RTI &
If the settlement price for the nth win-win receivables is not deposited in the account of the n-th cooperative company until the expiration date of the nth win-win receivables,
The server,
(N-1) co-financing receivables as a collateral, the loan amount is transferred to the account of the (n + 1) -th cooperative company,
(N-1) win-win receivables from the account of the (n-1) -th cooperation company on the expiration date of the (n-1) The amount of the loan to the accounts receivable is repaid, the interest for the remaining period from the expiration date of the nth win-loss receivable to the expiration date of the receivable trade receivable is paid, the loan amount of the nth win- deposits it into the account of the nth cooperation enterprise,
The settlement amount for the foreign trade receivable is withdrawn from the account of the purchasing company on the expiration date of the foreign trade receivable, and interest is paid on the remaining date from the expiration date of the (n-1) And subtracting the interest, and depositing the balance in the account of the (n-1) th cooperation company.
The method according to claim 1,
If the settlement amount for the (n-1) th co-credit accounts is not deposited in the account of the (n-1) th cooperation company until the expiration date of the (n-1)
The server,
(N-1) win-win receivables as collateral for the above-mentioned foreign trade receivables, depositing the loan amount in the account of the n-th cooperative company,
(N-1) win-win accounts receivable by withdrawing the settlement amount for the foreign trade receivable from the account of the purchasing company on the expiration date of the foreign trade receivable, and re-repaying the loan amount for the (n-1) (N-1) after deducting the loan amount of the reimbursed (n-1) win-win receivables from the expiration date of the win-loss receivables to the expiration date of the foreign trade receivables, Payment to the account of the cooperating enterprise.
A method for providing a payment of a delivery charge using a network connecting a server and a terminal, and between the server and the terminal,
A foreign trade receivable issuing step in which a foreign trade receivable for a delivery price of a primary cooperating company delivering a commodity to the purchasing company via a terminal of a purchasing company connected to the server is issued;
(N-1) cooperating companies to deliver the goods to the (n-1) -th cooperative company as collateral via the terminal of the cooperating enterprise (n-1; n = 2, 3, (N-1) win-win receivables issue step in which the (n-1) win-win receivables for the delivery price of the company are issued at an expiration date earlier than the expiration date of the foreign trade receivables;
An (n-1) lending request step of requesting the server to lend the (n-1) co-credit receivable as a security through the terminal of the n-th cooperative company connected to the server;
(N-1) loan processing step of allowing the server to approve the loan requested in the (n-1) loan request step and deposit the loan amount in the account of the n-th cooperative company;
(N + 1) cooperating companies that deliver merchandise to the n-th cooperative company as collateral (n-1) win-win receivables as collateral via the terminal of the n-th cooperative company connected to the server (N-1) win-win receivables issue, the win-win receipts being issued at an expiration date that is later than the expiration date of the (n-1) win-win receivables and earlier than the expiration date of the foreign trade receivables;
An n-th loan request step of requesting the server to lend the n-th win-loss receivable as a security through a terminal of the (n + 1) -th cooperation enterprise connected to the server;
The server receives the interest from the loan amount to the expiration date of the loan while approving the loan requested in the n-th loan request step, and deposits the loan amount minus the interest in the account of the (n + 1) N-th loan processing step; And
The server,
(N-1) coin receipts from the account of the (n-1) th cooperative company on the expiration date of the (n-1) The amount of the loan amount requested in the n-th loan request step is redeemed, the interest on the remaining date from the expiration date of the nth win-loss receivable to the maturity date of the foreign trade receivable is paid , Subtracts the loan amount of the reimbursed nth win-loss receivable, and deposits it in the account of the n-th cooperative company, deposits the payment amount of the n-th win-win receivables in the account of the financial institution,
The payment amount for the nth win-win receivables is withdrawn from the account of the financial institution on the expiration date of the nth win-win receivables and is deposited into the account of the (n + 1)
The payment amount for the foreign trade receivable is withdrawn from the account of the purchasing company on the expiration date of the foreign trade receivable and the interest on the remaining date from the expiration date of the (n-1) A bond repayment step of receiving an amount of money minus the interest, and depositing the amount in the account of the (n-1) -th cooperation company;
The payment method of win-win payment including payment.
The method of claim 3,
In the bond redemption step,
(N-1) cooperating accounts receivable from the expiration date of the (n-1) cooperative accounts receivable to the expiration date of the n-th coin receivables to the account of the (n-1) Win - win payment method.
The method according to claim 2 or 3,
If the settlement amount for the (n-1) th co-credit accounts is not deposited in the account of the (n-1) th cooperation company until the expiration date of the (n-1)
The server,
(N-1) win-win receivables as collateral for the above-mentioned foreign trade receivables, depositing the loan amount in the account of the n-th cooperative company,
(N-1) win-win accounts receivable by withdrawing the settlement amount for the foreign trade receivable from the account of the purchasing company on the expiration date of the foreign trade receivable, and re-repaying the loan amount for the (n-1) (N-1) after deducting the loan amount of the reimbursed (n-1) win-win receivables from the expiration date of the win-loss receivables to the expiration date of the foreign trade receivables, Payment to the account of the cooperating enterprise. delete delete delete delete delete delete delete delete delete delete

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