KR20000059187A - System and method of auction about bill through network - Google Patents

Abstract

PURPOSE: A bank paper auction system through networks and the method are provided so that a bank paper seller can sell a bank paper at a lowest discount rate as bank paper purchasers propose discount rates smaller than an initial auction discount rate when the bank paper seller inputs the initial auction discount rate. CONSTITUTION: A bank paper purchaser accesses a web site executing bank paper auctions(302) and logs in(304). If the bank paper purchaser selects a bank paper purchase(306), a bank paper list is displayed stored in a proceeding auction database(308). If the bank paper purchaser selects a desired bank paper in the bank paper list(310), auction information for the selected bank paper is displayed(312). The bank paper purchaser inputs a desired bank paper discount rate(314). If there is a bank paper purchaser who inputted a discount rate identical to a final auction discount rate(316), the bank paper purchaser is determined as a successful bidder(322). If there is no bank paper purchaser who inputted a discount rate identical to a final auction discount rate(318), a bank paper purchaser who inputted the lowest discount rate is determined as a successful bidder(322). An e-mail that cash should be transmitted to a required bank account is sent to an awarded bank paper purchaser(324).

Description

System and method of auction about bill through network}

The present invention relates to a billing system, and more particularly, to a system and method for auctioning and selling of bills over a network.

A bill is a promise to a company that delivers goods to a company (hereafter referred to as a supplier) by which the company will deposit the goods forever. In general, bill transactions are more popular than cash transactions between companies.

In addition, the bill issuance company, bill number, bill amount, issue date, expiration date, the place of payment and the like.

However, vendors who needed funds before the expiry date indicated on the paper often sold the paper at a discounted price to paper buyers, such as bond markets.

For example, if the bill is 10 million won, if the discount is reduced to 20%, the vendor receives 8 million won and sells the bill, and the buyer (the buyer of the bill) receives 10 million won from the designated bank at maturity. Thus, the lower the discount rate of the paper, the more the seller can sell the paper at a higher price.

However, since the place where the billing is made is limited, and the information about the ordinary billing discount rate is not converged by the bill issuing companies, the bill seller sells the bill at a high discount rate that is not desired.

Therefore, more people are able to participate in a trade in the bill, each auction of the bill with the discount rate of the bid, the system and method for trading the bill in a condition that the seller and the seller is satisfied with each other is desired.

An object of the present invention, in order to solve the above problems, when a person who is going to sell a note enters the auction start discount rate of the paper, a plurality of bill buyers respond to the auction by presenting a discount rate below the auction start discount rate as a bid The seller is to provide a paper auction system through the network that can sell the bill at the lowest discount rate.

Another object of the present invention is to provide a method of auctioning for bills carried out in the system.

1 is a block diagram of a system for auctioning paper bills through a network according to the present invention.

2 is a diagram illustrating an example of a database of a server.

3 is a flowchart illustrating a process in which a seller of papers registers a paper according to the present invention.

4 is a diagram illustrating an example of a screen displayed when registering a note.

5 is a flowchart showing a process of auctioning for bills according to the present invention.

6 is an example of a screen displaying such auction information.

In order to achieve the above object, a database for receiving and storing information about the bill to be sold from the seller; Input means for receiving a discount rate for each bill stored in the database from a plurality of bill buyers; And a determining means for bidding the bidder who inputs the lowest discount rate among the input bill discount rates as the buyer of the bill.

In order to achieve the above another object, a method of auctioning a bill using a system in which a computer which is a seller and a computer which is connected to a plurality of customers and a server is connected to a network, wherein the information about the bill to be sold to the computer is the seller. A bidding step of inputting and storing in a database; A bidding step of inputting a discount rate for any one of the bills stored in the database to the computer that is the plurality of bills; And a successful bidding step of bidding on the bidder who inputs the lowest discount rate among the discounted draft discount rates.

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

1 is a block diagram of a system for auctioning paper bills through a network according to the present invention.

As shown in Fig. 1, a computer 12, which is a speech seller, a server 14, and a computer 16, which is a plurality of bills, are interconnected via a network 10.

The seller 12 of FIG. 1 is a computer used by those who wish to auction their bills over the network in order to sell them at lower discount rates.

In addition, the note purchaser computer 16 is a computer used by a person who wants to participate in the auction and the split sale by inputting a discount rate.

These speech computer 12 and the speech computer 16 use Internet browsers (Netscape, Internet Explorer, etc.) that can display web content in the form of Hyper Text Markup Language (HTML), XML (eXtensible Markup Language), and the like. Have.

On the other hand, the server 14 is provided in a company that conducts auctions for bills over a network, and communicates with other computers on a computer network and can be accessed by someone from another computer connected to the network or Hardware and software employed to make accessible computer files or software stored on a storage device.

The server 14 has its own homepage and auctions and divides sales of papers through this homepage.

The server 14 has a member database, an auction information database, and a bill issuing company database.

Those who wish to access the server 14 via a network and make an auction on paper must register with the server 14 as a member and fill in information such as their personal details and contact information including an e-mail address.

The information of these members is stored in the member database of the server.

On the other hand, information inputted by the seller and the discount rate entered by the seller are stored in the auction information database of the server.

In addition, the bank stores a credit grade and a transaction record of the issuing company of the bill in the bill issuing company database of the bill.

3 is a flowchart illustrating a process in which a seller of papers registers a paper according to the present invention.

The seller of the speech connects to the website for the auction of the speech (202) and logs in (204).

In addition, the user selects a selling note (206), and inputs related information about the selling note to be sold.

At this time, it is written whether the bill is divided or not. For example, if the amount of bills is 50 million won, only 20 million won is sold and 30 million won is billed, and only a portion of the bill is sold.

4 is a diagram illustrating an example of a screen displayed when registering a note.

As shown in FIG. 4, the seller of a note inputs auction information for a note to be sold (208). Here, the auction information of the paper is a mandatory entry of the paper's issuer, bill number, bill amount, issue date, expiration date, payment place, auction period, auction start discount rate.

In addition, the seller may enter the selling price and the selling price of the bill separately.

In addition, auction closing discount rate, preferential registration, automatic re-registration at the time of bidding is optional.

Here, the auction start discount rate and the auction start closing rate is a range of the discount rate of the paper presented by the seller, and the bidder who responds to the auction should enter a discount rate below the auction start discount rate.

In addition, the auction closing discount rate is a discount rate satisfied by the seller, and if there is a bidder who presented the same discount rate as the auction closing discount rate suggested by the seller, the auction ends.

When the seller enters any one of a year discount rate, a monthly discount rate, and a discounted amount when entering the auction start discount rate and the auction close discount rate, the remainder is automatically calculated and entered.

If the seller has 20% of the auction's starting discount rate and 10% of the auction's closing rate, for example, if the bill is 10 million won, the discounted price to 20% will be 8 million won. The discounted discount rate (10%) is 9 million won.

Therefore, the lower the discount rate, the clearer the seller can get the discounted price.

When the seller selects the items to be entered and then selects the "registered bill" button shown in FIG. 5, it is checked whether the necessary items necessary for the auction are completely written out or entered in accordance with the input conditions (210).

If it is entered according to the condition, the note auction information is stored in the progress auction database (212).

The notes stored in the auction database can be viewed by the public as an auction list.

5 is a flowchart showing a process of auctioning for bills according to the present invention.

The note buyer connects to the web site where the note auction is made (302) and logs in (304).

When the number of bills is selected (306), a list of bills stored in the forward auction database is displayed (308).

If the buyer selects a note to buy from the note list (310), auction information for the selected note is displayed (312).

6 is an example of a screen displaying such auction information.

Information on the note that the auction started, ID of the bidder who bid the auction, the discount rate and the bidding time are displayed.

Next, the note buyer inputs a desired discount rate (314).

If there is a note buyer who inputs a discount rate equal to the auction closing rate (316), the auction is a successful bidder (322).

In addition, when there is no bill buyer input the same discount rate as the auction closing discount rate (318) when the closing date of the bill auction (318), the bid is entered as the buyer of the bill the lowest discount rate (322).

However, if it is not yet the auction deadline, the input bill discount rate and the ID of the bill buyer is input to the progressive auction database (320).

When the auction for the paper is ended, the seller of the paper bidding the paper is sent to the bank, and the successful bidder is sent an e-mail to transfer the cash to the predetermined account, respectively (324). .

A credit grade and a transaction record for the issuer of the note are stored for each of the bidding notes (326), and a database for the issuer of the paper is constructed.

The seller of the e-mail notified of the e-mail will be entrusted to the designated bank and the buyer will deposit the bill to the designated account.

After confirming the seller's draft and the buyer's payment, the administrator of the server limits the fixed fee to the seller's account, deposits the payment and delivers the bill to the buyer.

The seller and the seller may calculate the discount rate using a discount rate automatic calculation program included in the auction web site. Discount rate automatic calculation program automatically calculates the discount rate by entering the amount of money, the maturity date, the sale or the amount to be bought.

The present invention is not limited to the above-described embodiments, and of course, modifications can be made by those skilled in the art without departing from the spirit of the present invention.

For example, in the present embodiment, only the auction for the paper and the partial sale are described, but the present invention can also be applied to the auction and the partial sale of financial products such as, for example, periodic deposits, housing offer deposits, CDs. .

Therefore, the scope of the claims in the present invention will not be defined within the scope of the detailed description, but will be limited to the claims below.

According to the present invention, if a person who wants to sell a note enters the auction start discount rate of the paper, the seller of the paper sells the paper at the lowest discount rate as a plurality of bill buyers respond to the auction while presenting a bid at or below the auction start discount rate. can do.

In addition, since the sale of the bill is possible, the seller can sell only the amount of the bill that he or she wishes to sell, not the total amount of the bill.

In addition, since many people can participate in the bill trading, bill trading can be activated.

In addition, the seller and the seller can trade the bill on the condition that they are satisfied with each other.

In addition, you can easily see the transaction and closing process of notes.

Claims (11)

A database for receiving and storing information on the paper to be sold from the paper seller; Input means for receiving a discount rate for each bill stored in the database from a plurality of bill buyers; And And a decision means for bidding the bidder who inputs the lowest discount rate among the input bill discount rates as the buyer of the bill. The method of claim 1, And the e-mail transmission means for transmitting the e-mails to the seller to deposit the bill to a predetermined bank and to send the cash to a predetermined account if the bill is successful. Auction system via network. A method of auctioning bills using a system in which a bill selling computer and a plurality of bill buying computers and servers are networked, A bidding step of allowing the computer, which is the paper seller, to input information about the paper to be sold, to store in a database; A bidding step of inputting a discount rate for any one of the bills stored in the database to the computer that is the plurality of bills; And And a successful bidding step of bidding on the bidder who inputs the lowest discount rate among the discounted draft discount rates. The method of claim 3, The bill of paper in the bidding step includes at least the issuer, bill number, bill amount, issue date, expiration date, payment address, auction period, auction start discount rate, auction closing discount rate of the paper. How to Auction. The method of claim 4, wherein And inputting at least one of at least a year discount rate, a monthly discount rate, and a discounted amount when inputting the auction starting discount rate and the auction closing discount rate. The method of claim 3, The bidding step of the bill auction via a network, characterized in that for entering a predetermined amount of the selling price of the bill. The method of claim 4, wherein The auction starting discount rate is higher than the auction closing discount rate, The bill acceptor approves that the auction is bid only when the discount rate is lower than the auction start discount rate. The method according to claim 3 or 4, A method of auctioning through a network, characterized in that the seller and the seller enter the amount of money, the maturity date, the sale, or the amount to be bought. The method according to claim 3 or 4, And when the auction closing discount rate is input for the bid, the buyer of the paper bidding the same discount rate as the auction closing discount rate. The method of claim 3 or 8, When the auction for the paper is ended, sending the e-mail to the seller who bids the paper to the bank, and sending the e-mail to the successful buyer to transfer the cash to the account. Auctioning method through a network, characterized in that it comprises a. The method according to claim 3 or 4, And storing the credit rating and the transaction record of the issuer of the paper in the database for each of the tendered bills.