KR101920853B1 - Method for intermediating commercial transactions, server for intermediating commercial transactions and system for intermediating commercial transactions - Google Patents

Abstract

Disclosed is a transaction mediation method comprising the steps of: receiving, from a second terminal of a product selling company, protection payment application information about a contract between a product selling company and a product purchase company; transmitting, to a third terminal or a server of a supporting institution, information about the product selling company when it is determined that protection payment is possible for the product selling company; receiving, from the third terminal or the server of the supporting institution, approval information about a protection payment application; transmitting, to a first terminal of the product purchase company, and the third terminal or the server of the supporting institution, bond reception information indicating that a contract-based bond of the product selling company with respect to the product purchase company is received to the supporting institution; transmitting, to the second terminal, amount payment information indicating that an amount obtained by subtracting fees from a purchase price corresponding to the bond, which is an mount supplied from a supporting enterprise, is paid to the product selling company; receiving, from at least one of the first terminal of the product purchase company and the third terminal or the server of the supporting institution, amount payment completion information indicating that the purchase price corresponding to the bond is completely paid to the supporting institution; and determining that a contract is terminated on the basis of the amount payment completion information.

Description

METHOD FOR INTERMEDIATING COMMERCIAL TRANSACTIONS, SERVER FOR INTERMEDIATING COMMERCIAL TRANSACTIONS AND SYSTEM FOR INTERMEDIATING COMMERCIAL TRANSACTIONS,

A transaction mediation method, a transaction mediation server, and a transaction mediation system. More particularly, the present invention relates to a transaction intermediation method, a transaction intermediation server, and a transaction intermediation system for secure settlement of a product sales company through support of a support organization.

In the case of commodity sales contracts, it is common to pay the purchase price after a certain period of time without paying the purchase price immediately after the commodity purchasing SME receives the goods. In addition, SMEs purchasing goods often pay late due to poor financial situation. Therefore, if the merchandise sales small business fails to receive the purchase price from the merchandise purchasing company in time, there arises a problem that a considerable financial burden is incurred due to the interest and the fee for the amount borrowed from the bank to manufacture the commodity.

In addition, a broker who has brokered the transaction contract between brokerage SMEs and merchandise sales SMEs generally has a problem of hindering the activation of deal contracts because it is common practice to receive a rebate but does not pay a rebate.

In addition, merchandise sales small and medium-sized enterprises (SMEs) are mostly outsourced, and they do not deserve to advertise themselves except for offline sales through network connections. In addition, SMEs purchasing goods want to receive their products from reliable SMEs, but it is difficult to say that reliable SMEs are being sought.

In addition, since the merchandise sales SMEs and the SMEs purchasing goods can not know the status of their contracts with each other, the fact that the factory operation rate of the merchandise sales SMEs is lowered may lead to a burden on the fixed costs. There is a problem in that it can not be carried out even though the product can be delivered at a low price because it does not know the operation status of the factory.

Purchase / Sale of Goods Since SMEs do not have an enterprise resource planning (ERP) system in their own right, there are inconveniences in orderly management of order and delivery. Therefore, it is necessary for SMEs to conveniently manage online from ordering to settlement through trading brokerage online platform.

According to various embodiments, a merchandising small business can reduce the burden of interest and commission on the purchase price by applying for a protection settlement to the support organization through the transaction brokering online platform.

According to various embodiments, a contract intermediary can reliably receive a rebate for a contract award from a mediation server through a transaction intermediation online platform.

According to various embodiments, the merchandise sales SME can increase the number of consecutive trading contracts by promoting the merchandise through the transaction brokerage online platform, and the merchandise purchasing SME can confirm the cumulative number of transactions of the merchandise sales SMEs and the transaction feedback of the SMEs It is possible to choose a small and medium-sized manufacturing company with high reliability.

According to various embodiments, small and medium sized manufacturing companies and merchandise purchasing small and medium-sized enterprises can share goods order status with each other through trade intermediation online platform, It is possible to eliminate the burden on the cost.

According to various embodiments, the SMEs can conveniently manage online from ordering to settlement through a transaction brokerage online platform.

Of course, the technical problems of various embodiments are not limited to the features mentioned above, and other technical problems which are not mentioned can be clearly understood by those skilled in the art from the following description.

The technical objects of the present invention are not limited to the features mentioned above, and other technical subjects not mentioned can be clearly understood by those skilled in the art from the following description.

The transaction mediating method according to various embodiments may further include: determining a credit ceiling amount of a merchandise sales company; Receiving, from at least one of a first terminal of a commodity purchase company and a second terminal of a commodity selling company, product contract information as information on a product contract between the commodity purchasing company and the commodity sales company; Receiving protection payment application information regarding the contract from the second terminal; Determining whether or not protection payment is possible for the merchandise sales company on the basis of the credit limit amount and the credit amount of the merchandise sales company in response to the protection settlement application information about the contract; Transmitting information on a merchandise sales company to a third terminal or a server of a support organization when it is determined that protection payment is possible for the merchandise sales company; Receiving authorization information for a secure payment application from a third terminal or server of the support organization; Transmitting receivable acceptance information indicating that the contract-based receivable for the commodity purchasing company of the commodity selling company to the third terminal or server of the first terminal and the supporting organization is to be acquired by the supporting organization; Receiving payment settlement information indicating payment from the third terminal or server of the support organization to the merchandise sales company for a purchase price corresponding to the bond; Transmitting, to the second terminal, the amount payment information indicating that the amount of money corresponding to the bond is less than a fee, to the merchandise sales company, based on the payment information; Receiving, from at least one of the first terminal of the merchandise purchase company and the third terminal or server of the support organization, the payment completion information indicating that the purchase price corresponding to the bond has been paid to the support organization; And determining that the contract is terminated based on the amount payment completion information.

The transaction mediating server according to various embodiments may further include a loan usage limit determining unit for determining a credit usage limit of a merchandise sales company; From the at least one of the first terminal of the merchandise purchase company and the second terminal of the merchandise sales company, product contract information, which is information on a product contract between the goods purchasing company and the goods sales company, A communication unit for receiving protected payment application information; And a control unit for determining whether or not protection payment is possible for the merchandise sales company based on the credit limit amount and the credit amount of the merchandise sales company corresponding to the protection payment application information regarding the contract, If it is determined that protection payment can be made for the merchandise sales company, information on the merchandise sales company is transmitted to the third terminal or server of the support organization, and approval information about the protection payment application from the third terminal or server of the support organization And transmits the bond acceptance information indicating that the contract-based bond for the goods purchasing company of the merchandise sales company is acquired by the support organization to the first terminal and the third terminal or server of the support organization, From the third terminal or server of the merchandise sales company Payment information indicating payment is transmitted to the sales company based on the payment information, the payment information indicating that the amount of money corresponding to the bond is deducted from the sales company, 2 terminal, and the control unit receives from the at least one of the first terminal of the commodity purchase company and the third terminal or server of the support organization a payment amount indicating that the purchase amount corresponding to the bond has been paid to the support organization And may determine that the contract is terminated based on the payment completion information.

The transaction mediating system according to various embodiments may include a transaction mediating server for determining a credit ceiling amount of a commodity selling company; A first terminal of a product purchasing company; A second terminal of a merchandise sales company; And at least one of the first terminal and the second terminal includes at least one of a first terminal and a second terminal of a support organization, And the second terminal of the sales company to the transaction mediating server, the second terminal transmits protection payment application information related to the contract to the transaction mediating server, and the transaction mediating server transmits It is determined whether or not a protection settlement is possible for the product sales company on the basis of the credit limit amount of the product sales company and the amount of the loan amount corresponding to the protection payment application information, Transmits information on the merchandise sales company to the third terminal or server of the support organization, The third terminal or the server of the merchandise sales company transmits approval information on the protection payment application to the transaction mediating server and the transaction mediating server transmits the approval information of the merchandise sales company to the third terminal or the server of the support agency, The third terminal or the server of the support organization transmits the settlement information indicating that the contract-based bond to the purchasing company is to be acquired by the support organization, And the transaction mediating server transmits to the transaction mediating server an amount of money indicating that the commodity selling company is paid the amount obtained by subtracting the commission from the amount corresponding to the bond to the commodity sales company based on the payment information, And transmits the information to the first terminal of the product purchasing company and the terminal of the support organization Or the server transmits, to the transaction mediating server, the payment completion information indicating that the purchase price corresponding to the bond has been paid to the support institution, and the transaction mediating server transmits, Can be terminated.

And a computer readable recording medium on which a program for implementing a transaction mediation method according to various embodiments is recorded.

1 illustrates a diagram for illustrating a transaction mediation system according to various embodiments.
FIG. 2 is a block diagram illustrating a transaction mediating server according to various embodiments.
3 illustrates a flow diagram for illustrating a transaction mediation method according to various embodiments.
4 is a view for explaining a problem that arises when a commodity trading contract and a loan contract are established between a conventional commodity purchasing company, a sales company, and a financial institution.
5 is a diagram for explaining a process in which a transaction mediating server mediates a transaction between a commodity purchasing company and a commodity selling company according to an embodiment and mediates a commodity selling company receiving a purchase price from a support institution.
FIG. 6 is a diagram for explaining a process in which a transaction mediating server mediates a transaction between a commodity purchasing company and a commodity selling company according to another embodiment, and intermediates that a commodity selling company receives a purchase price from a support institution.

The term " part " or the like described in the specification means a unit for processing at least one function or operation, which may be implemented by hardware or software, or a combination of hardware and software.

The terminology used herein is for the purpose of describing particular embodiments only and is not intended to limit the scope of the other embodiments. The singular expressions may include plural expressions unless the context clearly dictates otherwise. Terms used herein, including technical or scientific terms, may have the same meaning as commonly understood by one of ordinary skill in the art. The general predefined terms used in this document may be interpreted in the same or similar sense as the contextual meanings of the related art and are intended to mean either ideally or in an excessively formal sense It is not interpreted. In some cases, even the terms defined in this document can not be construed as excluding the embodiments of this document.

1 illustrates a diagram for illustrating a transaction mediation system according to various embodiments.

Referring to FIG. 1, in step S105, the purchasing company 101 may transmit a request for providing a quotation to the mediation server 100 in order to place an order using the terminal. At this time, the purchasing company 101 can request the sales companies to search the intermediary server 100 using the terminal, receive the search results for the sales companies from the intermediary server 100, It is possible to select one sales company among a plurality of sales companies included in the search result. The purchasing company 101 can transmit a quotation providing request to the selected one sales company. At this time, the selected sales company may be the sales company 102. Alternatively, the purchasing company 101 may transmit a quotation providing request including an ordering plan of the purchasing company 101 to a plurality of sales companies via the intermediary server 100 using the terminal.

In step S110, the sales company 102 receives a request for providing a quotation from the mediation server 100 using the terminal. That is, the purchasing company 101 can receive a quotation providing request transmitted from the mediation server 100 by selecting the sales company 102 among the plurality of sales companies. Alternatively, the sales company 102 transmits a search request for purchase companies having an order planning to the mediation server 100 using the terminal, receives a search result of the purchase plan of the purchase companies from the mediation server 100 can do. At this time, the search result includes a request for providing a quotation of various purchasing companies including the purchasing company 101.

In step S115, the sales company 102 can transmit to the mediation server 100 the information indicating that the sales company 102 will respond to the request for providing the quotation using the terminal. At the same time, the sales company 102 can transmit the information including the quotation to the mediation server 100 in response to the request for providing the quotation using the terminal, and provide the quotation to the purchasing company 101. Alternatively, the sales company 102 may select an ordering plan of the purchase company 101 out of the purchase plans of purchase companies searched for using the terminal, and transmit the information indicating that the ordering plan is to be transmitted to the mediation server 100 have. At the same time, the sales company 102 can use the terminal to transfer the information including the quotation to the mediation server 100, and to provide the quotation to the purchasing company 101 related to the selected ordering plan.

In step S120, the purchasing company 101 may receive the quotation information from the intermediary server 100 by using the terminal. At this time, the quotation provided may be a quotation provided from at least one sales company including the sales company 120.

In step S125, the purchasing company 101 can bid on the quotation of the sales company 102 during at least one quotation using the terminal, and can place an order to the sales company 102. [ That is, the purchasing company 101 can select the quotation of the sales company 102 using the terminal, and send the winning information for the selected quotation and the ordering information for the sales company 102 to the mediation server 100.

In step S130, the mediating server 100 transmits the order information indicating that the order is received from the purchasing company 101 to the sales company 102, and a contract between the purchasing company 101 and the selling company can be established.

Alternatively, the mediating server 100 may transmit the order information indicating that the purchasing company 101 orders the sales company 102, and the sales company 102 may transmit the final confirmation information The mediation server 100 transmits the final order confirmation information to the purchase company 101 so that a contract can be established between the purchase company 101 and the sales company 102. [

As a contract is established between the purchasing company 101 and the sales company 102, the sales company 102 can deliver the goods to the purchasing company 101. The sales company 102 may transmit the goods delivery information indicating that the goods are delivered to the purchase company 101 to the intermediary server 100. [

The purchasing company 101 can acquire the commodity from the sales company 102. At this time, the purchasing company 101 may transmit the commodity acceptance information indicating that the commodity is acquired by using the terminal to the mediating server 100.

In step S135, the sales company 102 may transmit protection payment application information to the intermediary server 100 after the product is acquired by the purchase company 101. [

The mediation server 100 can determine whether or not the support agency 103 can pay the purchase price corresponding to the contract to the sales company 102 based on the protection payment application information received from the sales company 102 .

If it is determined in step S140 that the mediation server 100 is capable of paying the purchase price corresponding to the contract to the sales company 102, the mediation server 100 transmits information on the sales company 102 to the support organization 103, The information on the sales company 102 can be provided to the sales company 103.

In step S145, the support organization 103 can transmit the protection payment approval information to the mediation server 100 in response to information on the sales company 102 using the terminal.

In step S150, the support organization 103 can receive the purchase price bond for the purchasing company 101 corresponding to the contract from the sales company 102. [

In step S155, the support organization 103 may transmit the payment settlement information indicating that the payment is made using the terminal to the mediation server 100. [ In other words, the support organization 103 provides the payment to the brokerage company 100 related to the brokerage server 100, and the support agency 103 can transfer the payment settlement information to the brokerage server 100 indicating payment by using the terminal have.

In step S160, the intermediary server 100 may pay the remaining amount of the purchase price paid to the intermediary company related to the intermediary server 100, excluding the commission of the intermediary company, from the support agency 103 to the sales company 102 .

In step S165, the mediation server 100 can pay a portion of the commission of the brokerage firm to the contract fulfillment agent 104 by a rebate. At this time, the rebate can be paid to the contractor intermediary 104 in the form of points. The contracting agent 104 is a person or an organization that mediates the contract between the purchasing company 101 and the sales company 102. The mediating server 100 has at least one of the purchasing company 101 and the sales company 102 It is possible to determine the contract award agent who is to pay the rebate on the basis of the contract award agent information indicating the contract award agent from one, and when the purchase price is paid to the sales company 102, the rebate is paid to the contract award agent .

In step S170, the purchasing company 101 can pay the purchase price to the support organization 103. [ As the purchase price is paid to the support institution 103, the bond may be extinguished. The mediation server 100 can receive the payment completion information indicating that the purchase price has been paid from at least one of the terminal of the purchasing company 101 and the terminal of the support institution 103 and decide to terminate the contract.

FIG. 2 is a block diagram illustrating a transaction mediating server according to various embodiments.

Referring to FIG. 2, the mediation server 200 according to various embodiments includes a control unit 210 and a communication unit 220. The mediation server 200 may further include a database storage unit 230. However, not all illustrated components are required. The mediation server 200 may be implemented by more components than the illustrated components, and the mediation server 200 may be implemented by fewer components.

The control unit 210 controls the communication unit 220 as a whole. Also, the control unit 210 may control the database storage unit 230 as a whole. In addition, the control unit 210 can control various components as a whole.

The control unit may be implemented by a processor. A processor may be a generic-purpose processor (e.g., a CPU or an application) that is capable of performing the operations by executing one or more software programs stored in a memory device, such as a dedicated processor (e.g., an embedded processor) processor, or a communication processor (CP), for example, a processor may be operable to perform at least one of the operations and / Can be executed.

The processor may control the various components as a whole by executing at least one program stored in the memory or database of the mediation server. The processor may perform functions or operations of the mediation server 100 by executing at least one program stored in a memory or a database of the mediation server. The memory may be a flash memory type, a hard disk type, a multimedia card micro type, a card type memory (e.g., SD or XD memory), a RAM RAM, Random Access Memory) SRAM (Static Random Access Memory), ROM (Read Only Memory), EEPROM (Electrically Erasable Programmable Read-Only Memory), PROM (Programmable Read-Only Memory) And an optical disc.

The control unit 210 may include a loan utilization determining unit 215. [

The loan utilization determining unit 215 can determine the loan usage limit amount of the merchandise sales company. The loan use determination unit 215 can determine the loan usage limit amount of the product sales company based on the loan use information of the inputted product sales company.

Alternatively, the loan use determination unit 215 can determine the credit rating of the merchandise sales company based on the credit information of the merchandise sales company provided from the merchandise sales company and the evaluation standard rule related information provided from the support organization. The loan use degree determination unit 215 can determine the loan use amount limit based on the credit rating of the merchandise sales company.

The control unit 210 determines whether or not the payment can be made for the merchandise sales company based on the credit limit amount and the credit amount of the merchandise sales company in response to the protection payment application information about the contract received from the second terminal of the merchandise sales company Can be determined. For example, the control unit 210 compares the amount obtained by subtracting the loan amount from the loan usage limit of the merchandise sales company and the amount of the protection settlement request, subtracts the loan amount from the loan use limit of the product sales company, If the requested amount is greater than or equal to the requested amount, it can be determined that protection payment is possible for the seller of the goods.

When receiving the payment information indicating payment from the third terminal or server of the support organization to the merchandise sales company for the purchase price corresponding to the bond, the control unit 210 transmits the payment information to the seller The amount corresponding to the commission deducted from the corresponding purchase price can be paid.

The control unit 210 can pay a portion of the deducted fee to the third party who has concluded the contract as a rebate.

The control unit 210 transmits the payment completion information indicating that the purchase price corresponding to the bond has been paid to the support organization from at least one of the first terminal of the goods purchasing company and the third terminal or server of the support organization through the communication unit 220 And determine that the contract is terminated based on the received amount payment completion information.

The communication unit 220 can transmit data to an external device or receive data from an external device.

The communication unit 220 can receive the product contract information, which is information on the product contract between the goods purchasing company and the goods selling company, from at least one of the first terminal of the goods purchasing company and the second terminal of the goods selling company. The product contract information includes at least one of a contract date, a kind of a product, a quantity / unit, a specification, a unit price, a supply price, a VAT, a product purchasing company, a product selling company, a delivery date and a payment settlement date, . Here, the specification may mean a model number, a size, a material, an application, a print content, a type, and the like.

The communication unit 220 receives quotation request information for one of the merchandise selling companies from the first terminal of the merchandise purchasing company, and transmits the quotation request information to the second terminal of the merchandise selling company in response to the quotation request information Information can be received.

The communication unit 220 may receive the ordering information for the quotation from the first terminal of the goods purchasing company in response to the quotation information. The product contract information may include at least one of the quotation information and the order information for the quotation.

The communication unit 220 can receive the product delivery information indicating delivery of the product from the second terminal of the product sales company. The communication unit 220 can transmit the transaction specification information for issuing the transaction specification to the first terminal of the purchase company based on the product delivery information and the product contract information. The transaction specification information may include information on the sales company name, business registration number, delivery date, item, specification, quantity, unit price, supply price, and tax amount.

The communication unit 220 can receive the merchandise acceptance information indicating that the merchandise is purchased from the first terminal of the merchandise purchase company. The communication unit 220 can transmit the acceptance information for issuing the acceptance certificate to the second terminal based on the product acceptance information and the goods contract information. The acceptance information may include information on the name of the purchasing company, the name of the sales company, the business operator registration number, the delivery date, the date of acquisition, the item, the specification, the unit / quantity, the unit price, the supply price and the tax amount.

The communication unit 220 can receive the protection payment application information related to the contract from the second terminal of the merchandise sales company. The secure payment application information may include at least one of credit information of merchant, product contract information, and protection payment request amount information.

The communication unit 220 can transmit information on the merchandise sales company to the third terminal or the server of the support organization when it is determined that the payment can be made to the merchandise sales company. The information on the merchandise sales company includes credit information of the merchandise sales company, credit rating information, credit limit amount information, information on the loan amount, information on the amount of the request for payment of payment, evaluation information of the cooperation company on the sales company, History information, and product contract information.

The communication unit 220 may receive the approval information for the protection payment application from the third terminal or the server of the support organization.

The communication unit 220 may transmit the acceptance information indicating that the contract-based bond for the goods purchasing company of the goods selling company to the third terminal or server of the first terminal and the support agency is acquired by the support organization. When the communication unit 220 transmits the receipt information to the first terminal, the communication unit 220 can transmit the tax invoice information for issuing the tax invoice.

The tax invoice information may include information on at least one of a purchase company name, a sales company name, a business enterprise registration number, an item code or item name, a quantity / unit, a unit price, a supply price, a value added tax, a delivery date and an acquisition date.

The communication unit 220 may receive the payment information indicating payment from the third terminal or server of the support organization to the goods sales company for the purchase price corresponding to the bond. The payment information may include at least one of the product contract information, the protection payment request amount, the settlement date, and the settlement amount.

The communication unit 220 transmits the amount payment information indicating that the purchase price is paid to the merchandise sales company to the second terminal, when the amount paid by the commodity sales company is less than the fee in the purchase price corresponding to the bond, Lt; / RTI >

The communication unit 220 may receive the payment completion information indicating that the purchase price corresponding to the bond is paid to the support organization from at least one of the first terminal of the goods purchasing company and the third terminal or server of the support organization.

The communication unit 220 can transmit the rebate payment notification information indicating that part of the commission is paid as a rebate to the terminal of the third party. The rebate payment notification information may include at least one of the product contract information and the rebate amount information. Some of the deducted fees paid to a third party may be reimbursed in the form of points to a third party. Points can be refunded in cash.

The communication unit 220 can receive a search request of the goods selling company from the first terminal of the goods purchasing company. The search request may include at least one of goods / industry information.

The communication unit 220 may transmit information on the goods selling companies to the first terminal of the goods purchasing company in response to the search request. The information on the merchandise sales companies includes information on the evaluation information of the cooperative company for the merchandise sales company, advertisement priority information on the merchandise sales company, cumulative activity information on the merchandise sales company, information on the name, Or the like.

The communication unit 220 may receive the quotation request information for one of the goods selling companies from the first terminal of the goods purchasing company in response to the information on the goods selling companies.

The communication unit 220 can receive an order plan search request of the goods purchasing company from the second terminal of the goods selling company. The order plan search request may include product information. The communication unit 220 may transmit the information on the order plan of the goods purchasing companies to the second terminal of the goods sales company in response to the search request.

The communication unit 220 may receive the quotation information for one of the goods purchasing companies from the second terminal of the goods selling company in response to the information on the order plan of the goods purchasing companies.

The database storage unit 230 stores the information related to the evaluation standard provision provided by the support organization, information on the purchase / sale company, information on the estimate / bid / successful bid / order / order / And may store various information related to the operation or function of various components other than the control unit 210 and the communication unit 220.

The information on the merchandise sales companies includes credit information of the merchandise sales company, credit rating information, loan amount used and loan amount information, evaluation information of the cooperation company with respect to the merchandise sales company, advertisement priority information on the merchandise sales company, Cumulative activity information of the commodity selling company, and information on the name, business type, and location of the commodity selling company. The information on the goods purchasing company includes at least one of the credit information of the goods purchasing company, the evaluation information of the cooperative company for the goods purchasing company, the cumulative activity information of the goods purchasing company, and information on the name, .

The database storage unit 230 may be included in the mediation server 200, but is not limited thereto. The database storage unit 230 may be included in an external apparatus connected to the mediation server 200 through various networks. Or some of the information may be stored in the database storage unit 230, and the remaining information may be stored in the database storage unit included in the external device. When the information stored in the database storage unit included in the external apparatus is required, the mediation server 200 transmits a request for providing necessary information to the external apparatus, and receives necessary information from the external apparatus in response to the request.

3 illustrates a flow diagram for illustrating a transaction mediation method according to various embodiments.

Referring to FIG. 3, in step S305, the mediation server 200 can determine the amount of the loan used by the merchandise sales company. Specifically, the mediating server 200 can determine the amount of the loan used by the commodity selling company based on the amount of the loan used by the entered commodity selling company. Alternatively, the mediating server 200 may determine the credit rating of the merchandise sales company based on the evaluation standard related information provided by the support organization and the credit information provided by the merchandise sales company, and use the credit of the merchandise sales company corresponding to the determined credit rating The limit amount can be determined.

In step S310, the mediating server 200 can receive the goods contract information, which is information on the goods contract between the goods purchasing company and the goods selling company, from at least one of the first terminal of the goods purchasing company and the second terminal of the goods selling company have.

In step S315, the mediation server 200 may receive the protection payment application information regarding the contract from the second terminal.

In step S320, the mediating server 200 can determine whether or not protection payment is possible for the merchandise sales company based on the credit limit amount and the credit amount of the merchandise sales company in response to the protection payment application information about the contract.

In step S325, if the mediation server 200 determines that protection payment is possible for the goods sales company, it can transmit information on the goods sale company to the third terminal or server of the support agency.

In step S330, the mediation server 200 may receive approval information for the protection payment application from the third terminal or server of the support organization.

In step S335, the mediation server 200 may transmit the receipt information indicating that the contract-based receivable for the commodity purchase company of the commodity selling company to the third terminal or server of the first terminal and the assisting agency is acquired by the assisting agency.

In step S340, the mediation server 200 may receive the payment information indicating payment from the third terminal or server of the support agency to the goods sales company for the purchase price corresponding to the bond.

In step S345, the mediation server 200 may transmit the payment information to the second terminal, which indicates payment to the merchandise sales company. The mediating server 200 may pay the commodity sales company the amount of the purchase price corresponding to the bond minus the commission based on the payment information and send the amount payment information indicating payment to the commodity selling company to the second terminal have. At this time, the mediating server 200 may pay a portion of the commission to the third party who has made the contract with a rebate. A rebate can be paid to a third party in the form of points.

In step S350, the mediation server 200 receives the payment completion information indicating that the money corresponding to the bond has been paid to the support institution from at least one of the first terminal of the merchandise purchase company and the third terminal or server of the support institution .

In step S360, the mediation server 200 may determine that the contract is terminated based on the amount payment completion information.

4 is a view for explaining a problem that arises when a commodity trading contract and a loan contract are established between a conventional commodity purchasing company, a sales company, and a financial institution.

Referring to FIG. 4, in step S410, the purchasing company 400 displays an intention to place an order to the sales company 410, and the sales company 410 displays an order to the purchasing company 400, A sales contract can be established between the sales companies 410. At this time, a merchandise sales contract can be established between the purchasing company 400 and the sales company 410 through a bid request / quotation / auction process.

In step S415, the sales company 410 can borrow money from the financial institution 405 for purchasing raw materials for producing goods.

In step S420, the sales company 410 can purchase the raw material on the basis of the loan money.

In step S425, the sales company 410 can produce a product based on the raw material and deliver it to the purchase company 400. [ At the same time, the sales company 410 can issue a transaction statement to the purchasing company 400.

In step S430, the purchasing company 400 can accept the goods from the sales company 410. [

In step S435, the purchasing company 400 may issue a receipt for the goods to the sales company 410. [

In step S440, the sales company 410 may request payment to the purchasing company 400. [

In step S445, the sales company 410 may issue a tax invoice to the purchasing company 400. [

In step S450, the purchasing company 400 can settle the payment to the sales company 410. [

In step S455, the sales company 410 can repay the loan to the financial institution 405 based on the purchase price received from the purchase company 400. [ Generally, there is a time difference between the acceptance date and the payment due date, and in some cases, the period 415 from when the purchasing company 400 takes the goods to when the purchasing company 400 makes a payment can be considerably long. As a result, the period 420 from when the sales company 410 receives the loan to when the loan is repaid can be significant, which may cause a large interest and commission on the financial institution. Accordingly, if the sales company 410 can not receive the purchase price from the purchasing company 400 on time, there is a burden on the interest and the fee for the financial institution.

5 is a diagram for explaining a process in which a transaction mediating server mediates a transaction between a commodity purchasing company and a commodity selling company according to an embodiment and mediates a commodity selling company receiving a purchase price from a support institution.

Referring to FIG. 5, in step S502, the third terminal or the server 515 of the support organization may provide the evaluation criteria related information to the mediation server 510. [ In step S504, the second terminal 505 of the merchandise sales company may provide the credit information to the intermediary server 510. [ At this time, the intermediary server 510 can receive credit information after obtaining the credit information provision / utilization agreement from the merchandise sales company. In some cases, credit information may be provided from a server of the credit information provider rather than the second terminal 505.

In step S506, the intermediary server 510 may determine the credit rating of the merchandise sales company based on the credit information of the provided merchandise sales company and the evaluation standard related information received from the support organization.

In step S508, the mediating server 510 can determine the lending utilization degree of the merchandise sales company. The mediating server 510 can determine the lending utilization degree of the commodity selling company corresponding to the credit rating of the commodity selling company. However, the present invention is not limited to this, and the intermediation server 510 can determine the loan use degree of the goods sales company based on the information on the loan use degree of the entered goods sales company.

In step S510, the intermediary server 510 may transmit the related information used by the second terminal 505 of the goods selling company and the third terminal of the support agency or the server 515. [ The utilization related information may include credit information of the merchandise sales company, information related to the evaluation standard regulations, credit rating information of the merchandise sales company, and information on the loan utilization amount.

In step S512, the first terminal 500 of the goods purchasing company may transmit the sales company search request information to the intermediary server 510. [

In step S514, the intermediary server 510 may transmit the sales company search result information to the first terminal 500 of the purchase company in response to the sales company search request information. The selling company search result information includes at least one of evaluation information of a cooperative company for a commodity selling company, advertisement priority information about a commodity selling company, cumulative activity information of a commodity selling company, information about the name, One can be included. The priority order of the merchandise sales companies is determined based on at least one of the evaluation information of the cooperative company included in the information on the merchandise sales companies, the advertisement priority information on the merchandise sales company, and the cumulative activity information of the merchandise sales company , The first terminal 500 of the goods purchasing company can display the goods selling companies based on the priority order of the goods selling companies.

In step S516, the first terminal 500 of the goods purchasing company may transmit the quotation request information to the intermediary server 510. [ At this time, the first terminal 500 of the goods purchasing company can transmit the estimate request information to the plurality of goods selling companies including the second terminal 505 and the related goods selling company.

In step S518, the mediation server 510 may transmit the estimate request information to the second terminal 505 of the merchandise sales company. In addition, the mediating server 510 may transmit the quotation request information to the second goods 505 of the goods selling company as well as other goods selling companies requested by the first terminal.

In step S520, the second terminal 505 of the merchandise sales company may transmit the estimate information to the mediation server 520 in response to the estimate request information.

In step S522, the mediation server 520 may transmit the estimate information to the first terminal 500 of the goods purchasing company.

In step S524, the first terminal 500 of the commodity purchasing company buys the quotation of the commodity selling company on the basis of the quotation information of the sales companies including the commodity selling company related to the second terminal 505, And transmit the ordering information to the mediation server 520. [

In step S526, the mediation server 520 may transmit the ordering information to the second terminal 505 of the goods selling company. The second terminal 505 of the merchandise sales company may transmit the order confirmation information on the order information to the mediation server 520. [

In step S528, the merchandise sales company may deliver the merchandise to the merchandise purchase company, and the second terminal 505 of the merchandise sales company may transmit the merchandise delivery information to the mediating server 520, indicating delivery of the merchandise.

In step S530, the intermediary server 510 may transmit the goods delivery information and the transaction specification information to the first terminal 500 of the goods purchasing company.

In step S532, the goods purchasing company may receive the goods from the goods selling company, and the first terminal 500 of the goods purchasing company may transmit the goods acceptance information to the intermediary server 510 indicating that the goods are acquired.

In step S534, the mediating server 510 may transmit merchandise acceptance information and receipt information to the second terminal 505 of the merchandise sales company.

In step S536, the second terminal 505 of the merchandise sales company may transmit the protection payment application information indicating that the protection payment is made to the contract with the goods purchasing company to the intermediary server 510. [

In step S538, the mediating server 510 can confirm the lendable amount of the merchandise sales company based on the protection payment application information. The mediating server 510 can confirm the lendable amount of the commodity selling company based on the loan amount used, the amount of the lending, and the credit information of the commodity selling company. The mediating server 510 can determine whether or not the payment of the merchandise sales company is possible based on the lendable amount.

In step S540, the intermediary server 510 may transmit the information on the sales company to the third terminal or the server 515 of the support organization, if it is determined that the payment can be made by the product sales company. The information on the sales company may include information on the payment settlement application of the merchandise sales company.

 In step S542, the mediating server 510 may transmit the approval information on the protection payment application of the merchandise sales company in response to the information on the sales company.

In step S544, the mediating server 510 transmits the acceptance information indicating that the bond of the merchandise sales company is acquired as a support institution to the first terminal 500 of the goods purchasing company and the third terminal or the server 515 of the support organization . At this time, the bond may be an (electronic) bond issued through a block chain system used by a contract support organization, a commodity sales corporation, an intermediary institution, and a product purchasing company. The block chain system is a system using block chain technology. The transaction log archiving system of existing financial corporations is a system that keeps records of transactions between companies on a centralized server, while the block chain system is a distributed transaction log archiving system in which participants keep their public transactions records to enhance their security have.

That is, the block chain system verifies the data falsification by collating the open books each time there is a transaction request by using a public book (a series of transaction blocks) in which all transactions are recorded through the corresponding system, Quot; refers to a system that generates a transaction block with a public key, and combines the transaction block with a public key (a series of transaction blocks) to update the public key. Since the bonds issued through the block chain system can be freely delivered / acquired, the support organization can deliver the bonds issued through the block chain system to other companies as needed.

Alternatively, the selling company can receive the electronic draft based on the bond, and can discount the electronic draft through the intermediary server. At this time, it is possible to discount the electronic bill to the support organization, or to discount the electronic bill to the brokerage company, and the support agency or brokerage company can transfer the electronic paper bill to another company or collect the bill amount from the purchasing company. A person skilled in the art will not be able to send or receive information between the intermediary server 510 and the third terminal or the server 515 of the support organization because the support agency is not involved in discounting the electronic bill to the intermediary company, 510 may be able to perform functions or operations corresponding to the third terminal or server 515 of the support organization. In step 546, the support organization may pay the purchase price to the intermediary company associated with the intermediary server can do. At this time, there are methods of paying the purchase price, such as a firm banking currency, a cash management service (CMS), a giro, a B2B payment note, a registered corporate card, a check, an electronic bill, a physical bill and an offset.

In step S548, the third terminal of the support organization or the server 515 may transmit the purchase payment information to the intermediary server 510. [ When the support organization pays the purchase price using the payment agent server, the intermediary server 510 can receive the purchase payment information from the payment agent server.

In step S550, the intermediary company related to the intermediary server 510 may pay the commodity sales company the amount of the purchase price excluding the commission of the intermediary company.

In step S552, the mediating server 510 may transmit the amount payment information indicating that the commodity selling company is to pay the amount excluding the commission of the intermediary company from the purchase price.

In step S554, the intermediary server 510 transmits a point payment information indicating that a predetermined point is paid to the contract finalist agent to the fourth terminal 520 of the contract finalist agent by paying a predetermined point as a rebate to the contract finalist agent .

In step S556, the goods purchasing company can pay the purchase price to the support organization.

At step S558, at least one of the first terminal 500 of the goods purchasing company and the third terminal or the server 515 of the support institution transmits the payment completion information indicating that the purchase price has been paid to the support agency, Lt; / RTI > When the merchandise purchasing company pays the purchase price using the payment agent server, the intermediary server 510 can receive the payment completion information from the payment agent server.

In step S560, the mediation server 510 may determine that the contract is terminated based on the amount payment completion information. At this time, the bond to the purchasing company purchased by the support organization may disappear.

The mediation server 510 receives the evaluation information on the contracted company from the first terminal 500 of the purchasing company and the second terminal 505 of the sales company and transmits the evaluation information of the cooperative company to the purchasing company / You can update it.

FIG. 6 is a diagram for explaining a process in which a transaction mediating server mediates a transaction between a commodity purchasing company and a commodity selling company according to another embodiment, and intermediates that a commodity selling company receives a purchase price from a support institution.

The remaining steps except for steps S612 to S616 of FIG. 6 correspond to the steps shown in FIG. 5, so that detailed description will be omitted. In Fig. 5, the goods purchasing company searches for a goods sales company and requests a quotation. In Fig. 6, the goods purchasing company uploads the order plan to the mediating server, the goods sales company searches the order plan of the purchase companies, Only the difference is that the company sends the quotation to the purchasing company. Here, the order plan can be regarded as a quote request for any company.

Referring to FIG. 6, in step S612, the second terminal 605 of the merchandise sales company may transmit the order plan search request information of the goods purchasing companies to the mediation server 610. FIG.

In step S614, the mediating server 610 may transmit the order plan search result information to the second terminal 605 of the goods selling company in response to the order contract search request information.

In step S616, the second terminal 605 of the merchandise sales company selects one of the order plans of the at least one goods purchasing companies included in the order plan search result information, and transmits the quotation information for the selected order plan to the mediation server 610).

According to the various embodiments, the merchandise sales company can apply the protection payment to the support organization using the intermediary server, thereby reducing the burden on the interest and the fee for the purchase price, and expecting a stable purchase price payment with a low fee. In addition, national support organizations that want to support SMEs can easily acquire SMEs that want to receive support through intermediary servers, which can contribute to the activation of SMEs through smooth SME support. According to various embodiments, the contractual intermediary can reliably receive a rebate on the contractual agreement through the intermediary server.

Various embodiments have been described above. It will be understood by those skilled in the art that the present disclosure may be embodied in various forms without departing from the essential characteristics of the present disclosure. Therefore, the disclosed embodiments should be considered in an illustrative rather than a restrictive sense. The scope of the present disclosure is set forth in the appended claims rather than the foregoing description, and all differences within the scope of equivalents thereof should be construed as being included in the present disclosure.

Meanwhile, the above-described embodiments of the present disclosure can be implemented in a general-purpose digital computer that can be created as a program that can be executed by a computer and operates the program using a computer-readable recording medium. The computer-readable recording medium includes a storage medium such as a magnetic storage medium (e.g., ROM, floppy disk, hard disk, etc.), optical reading medium (e.g., CD ROM,

Claims (13)

A method for intermediating a transaction in a transaction mediation server,
Determining the creditworthiness of the merchandise sales company based on information about the credit of the merchandise sales company;
Receiving, from at least one of a first terminal of a commodity purchase company and a second terminal of a commodity selling company, product contract information as information on a product contract between the commodity purchasing company and the commodity sales company;
Receiving payment settlement application information relating to the contract from the second terminal;
Determining whether or not payment is possible for the merchandise sales company based on the creditworthiness of the merchandise sales company in response to the payment settlement application information related to the contract;
Transmitting information on the merchandise sales company to the third terminal or the server when it is determined that the payment can be made to the merchandise sales company;
Receiving approval information on a payment settlement application from the third terminal or server;
Transmitting receivable acceptance information indicating that the contract-based receivable for the commodity purchasing company of the commodity selling company is acquired to the first terminal and the third terminal or the server;
Receiving payment settlement information indicating payment from the third terminal or server to the merchandise sales company for a purchase price corresponding to the bond;
Transmitting, to the second terminal, amount payment information indicating that the amount of money corresponding to the bond is paid to the merchandise sales company based on the payment information;
Providing a rebate to a third party who has concluded the contract;
Transmitting rebate payment notification information informing the third party terminal of the payment of the rebate to the third party;
Receiving, from at least one of the first terminal and the third terminal or the server of the goods purchasing company, the payment completion information indicating that the purchase price corresponding to the bond has been paid out; And
And determining that the contract is terminated based on the amount payment completion information,
The information on the credit of the merchandise sales company is updated in response to the termination of the contract,
And the rebate paid to the third party is paid to the third party in the form of points.
The method according to claim 1,
Receiving product delivery information indicating delivery of the product from the second terminal;
Transmitting transaction specification information for issuing a transaction specification based on the received goods delivery information and the product contract information to the first terminal;
Receiving product acceptance information indicating acquisition of a product from the first terminal; And
Further comprising the step of transmitting, to the second terminal, acceptance information for issuing a receipt based on the received commodity information and the commodity contract information,
The step of transmitting the acceptance acceptance information indicating that the contract-based bond for the goods purchasing company of the goods sales company is acquired to the first terminal and the third terminal or the server,
Further comprising transmitting tax bill information for issuing a tax invoice to the first terminal.
The method according to claim 1,
An electronic bill based on the bond is issued,
And the electronic bill is discounted through the transaction mediating server.
delete The method according to claim 1,
Wherein the contract-based bond is a bond issued through a block chain system used by a purchase price support entity, a product sales company, an intermediary agency, and a product purchase enterprise.
The method of claim 3,
Wherein the merchandise contract information received from at least one of the first terminal of the merchandise purchase company and the second terminal of the merchandise sales company includes information on a third person who has concluded the contract.
The method according to claim 1,
Receiving a search request of a merchandise sales company from a first terminal of the merchandise purchasing company;
Transmitting information on the merchandise sales companies to the first terminal of the goods purchasing company in response to the search request; And
Further comprising the step of receiving quotation request information for the merchandise sales company among the merchandise sales companies from the first terminal of the merchandise purchasing company in response to the information on the merchandise sales companies,
The step of receiving product contract information from at least one of the first terminal of the product purchasing company and the second terminal of the product selling company,
Receiving quotation information on a product from a second terminal of the product sales company in response to the quotation request information; And
Receiving order information for the quotation from the first terminal of the goods purchasing company in response to the quotation information,
Wherein the product contract information includes at least one of the quotation information and the order information for the quotation.
8. The method of claim 7,
The information on the merchandise sales companies includes evaluation information of the cooperative company for the merchandise sales company, advertisement priority information on the merchandise sales company, cumulative activity information of the merchandise sales company, information on the name, Wherein the transaction information includes at least one of the following:
9. The method of claim 8,
The priority order of the merchandise sales companies is determined based on at least one of the evaluation information of the cooperative company included in the information on the merchandise sales companies, the advertisement priority information on the merchandise sales company, and the cumulative activity information of the merchandise sales company And the merchandise selling companies are displayed on the first terminal based on the priority.
The method according to claim 1,
Further comprising the step of determining the credit rating of the merchandise sales company on the basis of the evaluation standard related information provided by the purchase price support entity and the information on credit provided by the sales company,
And the credit rating of the merchandise sales company is determined in accordance with the determined credit rating.
A credit utilization limit determining unit for determining creditworthiness of the merchandise sales company based on information on credit of the merchandise sales company;
From the at least one of the first terminal of the merchandise purchase company and the second terminal of the merchandise sales company, product contract information, which is information on a product contract between the goods purchasing company and the goods sales company, A communication unit for receiving payment settlement application information; And
And a control unit for determining whether or not a payment can be made to the merchandise sales company based on the creditworthiness of the merchandise sales company in response to the payment settlement application information regarding the contract,
When it is determined that payment is possible for the merchandise sales company, the communication unit transmits information on the merchandise sales company to the third terminal or the server, receives approval information on the payment settlement application from the third terminal or server , Transmits the bond acceptance information indicating that the contract-based bond for the goods purchasing company of the goods sales company is acquired to the first terminal and the third terminal or the server, and transmits, from the third terminal or server, Receiving the payment settlement information indicating that the purchase price is paid to the merchandise sales company, and transmitting the amount payment information indicating that the amount corresponding to the bond is paid to the sales company, based on the payment settlement information To the second terminal,
The control unit provides a rebate to a third party who has concluded the contract,
The communication unit transmits rebate payment notification information informing the third party terminal of the payment of the rebate to the third party,
Wherein the control unit receives from the at least one of the first terminal and the third terminal or the server of the goods purchasing company, the payment completion information indicating that the purchase price corresponding to the bond has been paid out, Determines that the contract is terminated,
The information on the credit of the merchandise sales company is updated in response to the termination of the contract,
And the rebate paid to the third party is paid to the third party in the form of a point.
A transaction mediating server for determining a creditworthiness of a merchandise sales company;
A first terminal of a product purchasing company;
A second terminal of a merchandise sales company; And
A third terminal or server,
Wherein at least one of the first terminal and the second terminal receives product contract information, which is information on a product contract between the goods purchasing company and the goods selling company, from at least one of a first terminal of the purchasing company and a second terminal of the selling company, To the mediation server,
The second terminal transmits the settlement application information related to the contract to the transaction mediating server,
Wherein the transaction mediating server determines whether or not a payment can be made to the merchandise sales company based on the creditworthiness of the merchandise sales company in response to the payment settlement application information regarding the contract,
And when it is determined that payment is possible for the merchandise sales company, information about the merchandise sales company is transmitted to the third terminal or the server,
The third terminal or the server transmits approval information on the payment settlement application to the transaction mediating server,
The transaction mediating server transmits receivable acceptance information indicating that the contract-based receivable for the commodity purchasing company of the commodity selling company is acquired to the first terminal and the third terminal or the server,
The third terminal or the server transmits to the transaction mediating server, payment settlement information indicating payment to the sales company for the amount corresponding to the bond,
The transaction mediating server transmits, to the second terminal, the amount payment information indicating that the amount corresponding to the bond is paid to the merchandise sales company, based on the payment information, to the second terminal, And transmits rebate payment notification information indicating that the third party is paying the rebate to the terminal of the third party, and transmits the rebate payment notification information to the first terminal and the third terminal At least one of the servers transmits, to the transaction mediating server, the payment completion information indicating that the purchase price corresponding to the bond has been paid out,
The transaction mediating server determines that the contract is terminated based on the amount payment completion information,
The information on the credit of the merchandise sales company is updated in response to the termination of the contract,
And the rebate paid to the third party is paid to the third party in the form of points. A computer program stored in a recording medium for executing a transaction mediation method,
The transaction mediating method comprises:
Determining, in the transaction mediating server, the creditworthiness of the merchandise sales company based on information on the credit of the merchandise sales company;
Receiving, from at least one of a first terminal of a commodity purchase company and a second terminal of a commodity selling company, product contract information as information on a product contract between the commodity purchasing company and the commodity sales company;
Receiving payment settlement application information relating to the contract from the second terminal;
Determining whether or not payment is possible for the merchandise sales company based on the creditworthiness of the merchandise sales company in response to the payment settlement application information related to the contract;
Transmitting information on the merchandise sales company to the third terminal or the server when it is determined that the payment can be made to the merchandise sales company;
Receiving approval information on a payment settlement application from the third terminal or server;
Transmitting receivable acceptance information indicating that the contract-based receivable for the commodity purchasing company of the commodity selling company is acquired to the first terminal and the third terminal or the server;
Receiving payment settlement information indicating payment from the third terminal or server to the merchandise sales company for a purchase price corresponding to the bond;
Transmitting, to the second terminal, amount payment information indicating that the amount of money corresponding to the bond is paid to the merchandise sales company based on the payment information;
Providing a rebate to a third party who has concluded the contract;
Transmitting rebate payment notification information informing the third party terminal of the payment of the rebate to the third party;
Receiving, from at least one of the first terminal and the third terminal or the server of the goods purchasing company, the payment completion information indicating that payment of the amount corresponding to the bond has been completed; And
And determining that the contract is terminated based on the amount payment completion information,
Wherein the credit information of the merchandise sales company is updated in response to the termination of the contract,
And the rebate paid to the third party is paid to the third party in the form of a point.

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