KR20110068607A - Trading payment method using corporation purchasing card - Google Patents

Abstract

PURPOSE: A trade settlement method using purchasing card is provided to smoothly perform trade settlement by using purchase card. CONSTITUTION: A card company server(40) receives an applicant about a payment authentication of a purchasing card according to product supply contract from an importer terminal(10) through a relay server(30). The card company server informs recognition result about the application the relaying server. The card company server authenticates application for payment in advance of an exporter about an approved sales credit. The card company server notifies a transfer of the accounts receivables according to a purchase card approval to an importing country bank server(60).

Description

Trading payment method using corporation purchasing card}

The present invention relates to a trade settlement method using a purchase card, and more particularly, to a trade settlement method on the premise that a card company and a settlement bank of an importing country are operated separately.

The purchase card is a method in which a bank issues a purchase card to a trusted purchaser, the supplier joins the merchant, and then the supplier makes payment with the purchase card when the supplier delivers to the purchaser. Vendors can be paid before the payment due date by deducting a certain amount of prepayment fee, so that liquidity can be easily secured, and the purchaser can obtain the same effect as using a credit in advance. Since banks take a certain discount fee when prepaying cash to suppliers, they are used as a breakthrough payment method to replace conventional drafts.

Meanwhile, with the development of the Internet, electronic commerce has become active, and not only B2C but also B2B. In addition, as an extension of B2B transactions, electronic business is on the rise as international business becomes more common.

Electronic trade refers to the carrying out of part or all of the trade using an information and communication network, such as a computer. With the advent of such electronic trade, an electronic payment means is required to overcome the disadvantages of credit and collection, which are conventional payment methods, and to perform trade payment smoothly.

The problem to be solved by the present invention is to propose a payment method of electronic trade using a purchase card.

Another problem to be solved by the present invention is to propose a method for smoothly performing trade settlement using a purchase card even when the card company and the payment bank are operated separately due to the importing country.

One aspect of the present invention for solving the above problems relates to a payment method of a trading system in which an importer terminal, an exporter terminal, a card company server, and an exporting country bank server are connected mainly with a relay server, wherein the card company server relays the relay. Receiving an application for payment approval of a purchase card according to a goods supply contract from the importer terminal through a server, notifying the relay server of the approval result of the application by the card company server, and the card company server receiving the approved Approving the exporter's application for advance payment for the trade receivable, the card company server notifying the transfer country bank server of the transfer of the prepayment approved trade receivable, and receiving the transfer price from the importing country bank; Remittance of the transfer payment to the exporting bank before the payment due date It comprise.

Another aspect of the present invention relates to a payment method of a trading system in which an importer terminal, an exporter terminal, a card company server, and an exporting country bank server are connected mainly to a relay server, wherein the card company server is connected to the importer terminal through the relay server. Receiving an application for approval of payment of a purchase card according to a goods supply contract from the service provider; and the card company server notifying the relay server of the approval result of the application; And notifying the transfer of the receivables according to the present invention, and remitting, by the importing country bank server, the transfer payment for the receivables to the exporting bank.

In the above two aspects, the prepayment for the exporter may be performed by the application for a prepayment of the exporter terminal or may be performed automatically without a separate application for prepayment.

The importing country bank server may further include receiving merchant information of the exporter from the exporting country bank server.

Meanwhile, the importing country bank server may receive customs clearance information of the imported goods according to the goods supply contract from an external trade automation system and submit it as a basis for overseas remittance to a related institution.

According to the embodiments of the present invention, by activating the use of the purchase card in the trade settlement, it is possible to reduce the detriment of the conventional bill and to easily secure the liquidity of the exporter. In addition, the importing bank can generate profits through predetermined discount fees and handling fees, and the exporting bank can raise the cash register by attracting the down payment. In addition, even if the card company and the payment bank of the importing country is operated separately due to the circumstances of the importing country, it is possible to smoothly perform the trade settlement using the purchase card.

DETAILED DESCRIPTION Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings by those skilled in the art. As those skilled in the art would realize, the described embodiments may be modified in various different ways, all without departing from the spirit or scope of the present invention. In the drawings, parts irrelevant to the description are omitted in order to clearly describe the present invention, and the same reference numerals are used for the same parts throughout the specification.

Throughout the specification, when a part is said to "include" a certain component, it means that it may further include other components, except to exclude other components unless specifically stated otherwise.

≪ Example 1 >

Embodiment 1 relates to a method of a trade settlement system using a purchase card, in which a card company transfers a purchase card bond for which a prepayment has been applied to an importing country bank as the exporter applies for a down payment and advances the transfer payment to the exporter through the exporting country bank. will be.

The transfer of purchase card bonds to the importing bank by the importing card company before the exporter's application for advance payment may result in the importing bank's bypass of the card business, which may be restricted by the financial laws of the importing country. Example 1 transfers a purchase card bond on the condition that a prepayment application is received by a card company in consideration of this advantage.

1 is a conceptual diagram illustrating a configuration of a trade settlement system and a process of performing trade settlement according to the first embodiment. The trade settlement system of the first embodiment includes an importer terminal 10, an exporter terminal 20, a relay server 30, a card company server 40, an exporting country bank server 50, and an importing country bank server 60.

Looking at the process of the trade settlement according to the first embodiment is as follows.

When an importer submits a predetermined document (e.g. copy of business registration certificate, corporate seal certificate, certified copy of corporation registration, copy of articles of incorporation of the board of directors, etc.) to the card company, the card company issues a purchase card to the importer after a predetermined card issuance review procedure. (S101). The credit card company notifies the importing country bank in the process of issuing a purchase card and requests a review of the validity of the purchase card payment service for the importer who applied for issuance.

The exporter also has a predetermined billing document and visits the exporter country bank or the branch office of the card company, etc., and joins as an affiliate store of the card company (S102). When the exporter's application is received from the exporter, the bank transfers it to the card company with the required document, and notifies the exporter with the card company's approval to join the merchant.

The importer and the exporter connect to the relay server 30 using the importer terminal 10 and the exporter terminal 20, respectively, and enter into an article supply contract through the marketplace site provided by the relay server 30. Of course, such a supply contract may be concluded through a channel other than the market place site. The importer selects a purchase card previously issued as a payment method for the contract and applies the card approval to the card company server 40 through the relay server 30 (S103).

When the card company application is received, the card company server 40 examines the importer whether there is a faulty element of the card approval or whether the amount of the authorization application is within the issue limit of the card. When the application for approval satisfies a predetermined approval requirement, the card is approved and the approval result is transmitted to the relay server 30 (S104). The importer, exporter and exporter bank can access the relay server 30 to query the approval result as necessary.

The exporter may wait for the payment date of the purchase card and receive the payment (or supply of goods), but may also want to cash early even before the payment date. For the latter, the exporter connects to the relay server 30 using the exporter terminal 20 and then applies for a prepayment of the settlement price to the card company through the relay server 30 (S105). Such application for prepayment may be selected by the exporter from "no application for prepayment", "manual application of prepayment" and "automatic application of prepayment", but will automatically apply for prepayment for all payments for the purchase card according to a predetermined policy. May be set to be done

When the application for deposit is received, the card company transfers the purchase card bond for the importer to the importing country bank (S106), and the importing country bank remits the amount discounted to the card company by a predetermined ratio from the amount of the bond transferred as the transfer payment for the bond ( S107). Here, the purchase card bonds can be completely removed from the card company's asset account and automatically transferred to the importing country bank. In this case, the card company and the importing country bank should discuss with each other in advance about the transfer of the bonds in this manner.

In addition, the bank of the importing country remits the amount of a fee added to the card company when remitting the bond transfer to the card company, or pays a predetermined handling fee to the card company at regular intervals (for example, monthly, quarterly, or semi-annual). The card company's profits can be guaranteed.

On the other hand, the importer may approve in advance the transfer of purchase card bonds to be generated in the future at the time of issuance of the purchase card in writing in advance, and each time the bond is transferred, the card company server 40 through the relay server 30 may be an importer terminal. When notifying the bond transfer fact to 10, the importer terminal 10 may transmit the bond transfer acceptance message including the electronic signature of the importer to the card company server 40 through the relay server 30. The acceptance of the transfer of bonds by the importer would allow the importing bank to compete against the third party.

Subsequently, the card company transfers the transfer payment received from the importing country bank to the exporter account of the exporting country bank as a prepayment (S108). Exporting banks can raise funds from the Low Cost Fund (LCF) by attracting funds remitted to the purchase card advance payment.

Thereafter, when the payment expiration date of the purchase card arrives, the importer repays the payment amount of the purchase card to the importing country bank (S109).

On the other hand, the importing bank can obtain customs clearance information from an external Trade Automation Electronic Data Interchange (EDI) system to confirm the arrival of the imported goods and submit it to the relevant authorities as the basis for the export of foreign currency in accordance with the prepayment.

Hereinafter, each component of the purchase card payment system according to the first embodiment will be described in detail.

The relay server 30 allows exporters to post their goods to subscribe for transactions, and allows the importer to select a desired item from the posted items and conclude a goods supply contract with the exporter of the goods. Provide an environment. Such a market place is preferably provided through an internet-based web interface. In this case, the relay server 30 may provide a user interface for displaying goods, inquiries and answers, receiving orders and payments, and performing various scripts for performing related processes. It also works as a web server that supports additional programs such as CGI and ActiveX.

The relay server 30 transfers the payment approval request of the purchase card from the importer terminal 10 to the card company server 40, and receives and posts the approval or rejection details from the card company server 40. In addition, when the exporter terminal 20 accesses the relay server 30 to confirm the approval details and applies for a prepayment, the application for prepayment is transmitted to the card company server 40 and / or the exporting country bank server 50.

The relay server 30 is preferably connected to the importer terminal 10 and the exporter terminal 20 through a public network such as the Internet, and the trade network with the card company server 40 and the exporting country bank server 50. It is preferable to be connected to a dedicated network (dedicated network), such as pump banking.

2 is a block diagram showing the configuration of the card company server 40 according to the first embodiment. According to FIG. 2, the card company server 40 includes an approval processing unit 41, a prepayment processing unit 42, a bond transfer processing unit 43, and a customer DB 44.

When the approval processing unit 41 receives an application for approval of the purchase card payment according to the purchase of the goods from the import terminal 10 through the relay server 30, the customer DB 45 retrieves information on the issuer of the purchase card, The purchase card issuer (or the importer) is checked to see if there is a flaw in the card's authorization or if the amount of the authorization is within the card's issuance limit. If the approval application satisfies a predetermined approval requirement, the payment of the corresponding purchase card is approved, the approval result is stored in the customer DB 44 and transmitted to the relay server 30.

When the prepayment application is received from the exporter terminal 20 through the relay server 30, the prepayment processing unit 42 checks whether the purchase card payment is approved for the transaction, and transfers the bond transfer money received from the importing country bank into the prepayment amount. Send money by

The bond transfer processing unit 43 transmits a message requesting the transfer of the purchase card bond to the importing country bank server 60 and receives a response message for the subscription of the bond transfer from the importing country bank server 60. The purchase card bond transfer agreement of the transaction is concluded electronically. Then, a message for requesting the bond transfer is transmitted to the importer terminal 10 through the relay server 30, and when the bond transfer acceptance message is received from the importer terminal 10, the message is transferred to the importing country bank server 60. Such notification and acceptance of the bond transfer is an optional process that can be omitted if the importer allows comprehensive acceptance of future bond transfers at the time of receipt of the purchase card. In addition, the bond transfer processing unit 43 receives the transfer price discounted at a predetermined rate from the bank of the importing country.

The customer DB 44 largely stores the purchase card issuer information and the merchant information. Purchase card issuer information includes the issuer name, issuer identification number (e.g. business number), issuance card number (e.g. account number assigned to the purchase card), issue limit, past payment history, authorization details, estimated payment amount, payment due date It includes, at least one of whether the transfer of bonds for each approval case, the merchant information includes at least one of the merchant name, merchant identification number, prepayment application.

When the exporter has joined as an affiliated store through the exporting country bank, the affiliated store information may be transmitted by the exporting country bank server 50 to the card company server 40 through the relay server 30, and the exporting country bank server 50 may be transferred to the card company server. If the 40 is directly connected through a dedicated network, it may be directly transmitted to the card company server 40 without passing through the relay server 30. In addition, the exporter country bank server 50 may immediately send the merchant information to the card company server 40 every time the exporter joins the merchant, or periodically send new merchant information, the application for approval of purchase card payment from the relay server 30 When the authorization details of the notification is notified, the merchant information of the exporter may be transmitted to the card company server 40.

3 is a block diagram showing the configuration of the importing country bank server 60. According to FIG. 3, the importing country bank server 60 of the first embodiment includes a bond pumping processor 61, a payment processor 62, and a customer DB 63, and optionally further includes a customs clearance information processor 64. can do.

The bond pumping processing unit 61 transmits the acceptance message of the subscription to the card company server 40 in response to receiving the transfer offer message of the purchase card bond from the card company server 40 and discounts the bond at a predetermined rate. Send the money to the card company.

The payment processing unit 62 withdraws the payment price of the purchase card from the importer account when the payment expiration date of the purchase card arrives.

The customer DB 63 of the importing country bank server stores purchase card issuer information and merchant information received from the card company server. Here, the purchaser card issuer information may include the issuer name, issuer identification number (e.g., business number), issuer card number (e.g., account number assigned to purchase card), issue limit, past payment history, authorization details, estimated payment amount, It includes at least one of the settlement expiration date, whether the acquisition of bonds by approval, and the merchant information includes at least one of the merchant name, merchant identification number, application for deposit. Purchasing card issuer information and merchant information may be transmitted from the card company server 40 at regular intervals (for example, every day, every week, every other week, etc.) or every time there is a bond transfer. However, it is preferable that the importing country bank server 60 is restricted from receiving the merchant information before the purchase card bond is transferred from the card company server 40 in order to protect the customer information.

The customs clearance information processing unit 64 may receive customs clearance information from an external trade automation electronic data interchange (EDI) system, check whether the imported goods have arrived, and submit them to the relevant authorities as evidence of the export of foreign currency in accordance with the prepayment. .

<Example 2>

The second embodiment relates to a method in which a card company transfers a corresponding purchase card bond to an importing country bank, and the importing country bank remits a prepayment amount to the exporting country bank when there is a request for advance payment from the exporter. The credit transfer of the card company may be performed immediately after the card company approves the purchaser's purchase card payment, or may be performed when there is a request for advance payment from the exporter.

Figure 4 is a schematic conceptual diagram showing the configuration of the trade settlement system according to the second embodiment and the process of performing trade settlement. The trade settlement system of the second embodiment includes an importer terminal 100, an exporter terminal 200, a relay server 300, a card company server 400, an exporting country bank server 500, and an importing country bank server 600.

First, a process of making a trade settlement according to Example 2 is as follows.

When the importer submits a predetermined document (e.g. copy of business registration certificate, corporate seal certificate, certified copy of corporation registration, copy of articles of incorporation of the board of directors, etc.) to the card company, the card company passes the purchase card to the importer after the prescribed card issuance review procedure. Issue (S201).

The exporter also has a predetermined billing document and visits the exporter country bank or the branch office of the card company, etc. and joins as a member store of the card company (S202). When the exporter's bank receives an application for membership in the merchant, the exporter sends the card to the card company together with a predetermined document and sends the notification to the exporter.

The importer and the exporter connect to the relay server 300 using the importer terminal 100 and the exporter terminal 200, respectively, and enter into an article supply contract through the marketplace site provided by the relay server 300. Of course, importers and exporters may enter into contracts through channels other than the marketplace site. The importer selects a purchase card previously issued as a payment method for the contract and applies the card approval to the card company server 400 through the relay server 300 (S203).

When the card company application is received, the card company server 400 checks whether the importer does not have a defective element of the card approval or whether the amount of the authorization application is within the issue limit of the card. If the approval application satisfies a predetermined approval requirement, the card is approved and the approval result is transmitted to the relay server 300 (S204). The importer, exporter and exporter bank can check the approval result by accessing the relay server 300 as necessary.

The card company then transfers the purchase card bond for the importer to the importing country bank (S205). In this case, the importer may approve in advance the transfer of the purchase card bonds to be generated in the future at the time of issuance of the purchase card in comprehensive writing, or the card company server 400 through the relay server 300 whenever the bond is transferred. When notifying the bond transfer fact to the 100, the importer terminal 100 may transmit the bond transfer acceptance message including the electronic signature of the importer to the card company server 400 through the relay server 300.

On the other hand, when the exporter connects to the relay server 300 using the exporter terminal 200 for early cashing, and then applies for the down payment of the payment price to the card company through the relay server 300 (S206), the card company notifies the bank of the importing country. Deliver the application for a down payment.

The importing bank server 400 receiving the prepayment application receives the merchant information on the purchase card payment from the exporting bank server 600. Merchant information may be provided via the relay server 300 and the card company server 500, if the importing country bank server 400 and the exporting country bank server 500 is directly connected through a dedicated network may be provided without a separate pass. have. Step S207 of Fig. 4 specifically illustrates the latter case.

In accordance with the application for advance payment, the importing country bank deposits the amount discounted at a predetermined rate from the payment amount of the corresponding purchase card to the exporter account of the exporting country bank (S208). Thereafter, when the payment expiration date of the purchase card arrives, the importer repays the payment card of the purchase card to the importing country bank (S209).

Next, FIG. 5 is a schematic conceptual diagram illustrating a configuration of a trade settlement system and a process of performing trade settlement according to a modification of the second embodiment.

Steps S301 to S304 are the same as steps S201 to S204 described above, and thus redundant description thereof will be omitted.

When the exporter accesses the relay server 300 using the exporter terminal 200 for early cashing, and then applies for the down payment of the payment price to the card company through the relay server 300 (S305), the card company notifies the bank of the importing country. Transfer the prepayment application and transfer the purchase card bond for the importer to the importing country bank (S306).

The importing bank server 400 receiving the prepayment application receives the merchant information on the purchase card payment from the exporting bank server 600 (S307), and the discounted amount by a predetermined ratio from the transfer price with reference to the merchant information. Remittance to the exporter account of the exporting country bank (S308). Here, the affiliated store information may be provided through the relay server 300 and the card company server 500, or provided when the importing country bank server 400 and the exporting country bank server 500 are directly connected through a dedicated network. Can be.

Thereafter, the importing country bank server 400 withdraws the payment for the purchase card from the account of the importer on the payment due date of the purchase card (S309).

On the other hand, although not shown in Figures 4 and 5, the importing country bank transfers the amount excluding a predetermined fee when remitting the bond transfer to the card company, or the card company at regular intervals (for example, monthly, quarterly, semi-annual, etc.) The card company's profit can be guaranteed by paying a predetermined handling fee.

Hereinafter, each component of the purchase card payment system according to the second embodiment will be described in detail.

Since the relay server 300 is the same as the relay server 30 of the first embodiment, redundant description thereof will be omitted.

6 is a block diagram showing the configuration of the card company server 400. According to FIG. 6, the card company server 400 of the second embodiment includes an approval processing unit 410, a bond transfer processing unit 420, and a customer DB 430.

The approval processing unit 410 retrieves the information on the issuer of the purchase card from the customer DB 430 when the application for approval of the purchase card payment according to the purchase of the goods is received from the import terminal 100 through the relay server 300, The purchase card issuer (or the importer) is checked to see if there is a flaw in the card's authorization or if the amount of the authorization is within the card's issuance limit. If the approval application satisfies a predetermined approval requirement, the payment of the corresponding purchase card is approved, and the approval result is stored in the customer DB 430 and transmitted to the relay server 300.

The bond transfer processing unit 420 transmits a message requesting the transfer of the purchase card bond to the importing country bank server 600, and receives a response message for the subscription of the bond transfer from the importing country bank server 600. The purchase card bond transfer agreement of the transaction is concluded electronically. The bond transfer processing unit 420 may perform the bond transfer immediately after receiving the notification of the purchase card payment approval of the importer from the card company server 500, or may perform the bond transfer when the application for the down payment is received from the exporter.

Subsequently, the bond transfer processing unit 420 transmits a message requesting permission of the bond transfer to the importer terminal 100 through the relay server 300, and receives a bond transfer acceptance message from the importer terminal 100, thereby receiving the bond transfer server. 600). Such notification and acceptance of the bond transfer is an optional process that can be omitted if the importer allows comprehensive acceptance of future bond transfers at the time of receipt of the purchase card.

The acquisition path of the affiliated store information, which is one of the configuration of the customer DB 430 and the information stored therein, is the same as the customer DB 44 of the first embodiment.

Next, Fig. 7 shows a block diagram of the configuration of the importing country bank server 600. According to FIG. 7, the importing country bank server 600 of the second embodiment includes a bond pumping unit 610, a prepayment processing unit 620, a payment processing unit 630, and a customer DB 640. 650 may further include.

When the bond transfer processing unit 610 receives the transfer offer message of the purchase card bond from the card company server 400, the bond transfer processing unit 610 transmits the acceptance message of the offer to the card company server 400 in response thereto.

When the prepayment application is received from the exporter terminal 200 through the card company server 500, the prepayment processing unit 620 confirms whether or not the purchase card payment approval of the transaction, and if it is confirmed as approved, a predetermined ratio in the payment amount according to the approval. The discounted amount is then remitted to the exporting bank as a down payment.

The payment processing unit 630 withdraws the payment for the purchase card from the importer account when the payment due date of the purchase card arrives.

The customer DB 640 and the clearance information processor 650 are the same as the customer DB 63 and the clearance information processor 64 of the first embodiment.

The embodiments of the present invention described above are not implemented only through methods and apparatuses, but may be implemented through a program that realizes a function corresponding to the configuration of the embodiments of the present invention or a recording medium on which the program is recorded. Can be easily implemented from the description of the above-described embodiments.

In addition, although the embodiments of the present invention have been described in detail above, the scope of the present invention is not limited thereto, and various modifications and improvements made by those skilled in the art using the basic concepts of the present invention defined in the following claims are provided. Forms also belong to the scope of the present invention.

FIG. 1 is a schematic conceptual diagram illustrating a configuration of a trade settlement system and a process of performing trade settlement according to the first embodiment.

2 is a block diagram showing the configuration of a card company server according to the first embodiment.

3 is a block diagram showing the configuration of the importing country bank server according to the first embodiment.

Figure 4 is a schematic conceptual diagram showing the configuration of the trade settlement system according to the second embodiment and the process of performing trade settlement.

FIG. 5 is a schematic conceptual diagram illustrating a configuration of a trade settlement system and a process of performing trade settlement according to a modification of Embodiment 2. FIG.

6 is a block diagram showing the configuration of a card company server according to the second embodiment and the modification.

7 is a block diagram showing the configuration of the importing country bank server according to the second embodiment and the modification.

Claims (14)

In the payment method of the trading system, which is connected to the import terminal, exporter terminal, card company server and exporting country bank server mainly on the relay server, Receiving, by the card company server, payment approval of a purchase card according to a goods supply contract from the importing terminal through the relay server; The card company server notifying the relay server of an approval result for the application; Approving, by the card company server, an exporter's application for advance payment of the approved trade receivable; The card company server notifying the transfer country bank server of the transfer of the trade receivable according to the purchase card approval and receiving the transfer payment from the import country bank; And The card company server remitting the transfer amount to the exporting bank before the payment due date Trade payment method using a purchase card comprising a. The method of claim 1, The importing country bank server further comprises the step of receiving the merchant information of the exporter from the export country bank server. The method of claim 1, The card company server is a trade settlement method using a purchase card, characterized in that when the application for a prepayment from the exporter terminal, the prepayment of the bond transfer and the transfer. The method of claim 1, When the card company server approves the payment of the purchase card, the bond payment and prepayment are performed. The method according to claim 3 or 4, The importing country bank further comprises the step of withdrawing the purchase card payment price from the account of the importer on the payment due date of the purchase card. The method of claim 5, And the importing bank pays the card company a predetermined handling fee according to the bond transfer. The method of claim 6, The importing country bank server further comprises the step of receiving customs clearance information of the imported goods in accordance with the goods supply contract from the external trade automation EDI system. In the payment method of the trading system, which is connected to the import terminal, exporter terminal, card company server and exporting country bank server mainly on the relay server, Receiving, by the card company server, payment approval of a purchase card according to a goods supply contract from the importing terminal through the relay server; The card company server notifying the relay server of an approval result for the application; Notifying, by the card company server, the transfer of the trade receivable according to the purchase card approval to the importing country bank server; And When the importing country bank server requests an advance payment by the exporter for the trade receivable, prepayment to the exporting country bank before the payment due date is discounted by a predetermined rate. Trade payment method using a purchase card comprising a. The method of claim 8, The importing country bank server further comprises the step of receiving the merchant information of the exporter from the export country bank server. The method of claim 8, The card company server is a trade payment method using a purchase card, characterized in that for performing the bond transfer when there is a prepayment application from the exporter terminal. The method of claim 8, The card company server is a trade payment method using a purchase card, characterized in that the exporter transfers the bond when the exporter applies for advance payment on the purchase card bond. The method of claim 11, The importing country bank further comprises the step of withdrawing the purchase card payment price from the account of the importer on the payment due date of the purchase card. The method of claim 12, And the importing bank pays the card company a predetermined handling fee according to the bond transfer. The method of claim 13, The importing country bank server further comprises the step of receiving the customs clearance information of the imported goods in accordance with the goods supply contract from the external trade automation EDI system.

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