KR20130017845A - The system which supports a win-win cooperation between the enterprise based on the currency of a account receivable - Google Patents

Abstract

PURPOSE: A win-win cooperation support system between enterprises based on account receivable distribution is provided to determine whether insurance subscription and loan application or not based on account receivable insurance(ARI) registration simulation support information. CONSTITUTION: A win-win cooperation between enterprises(WWC) support control module(101) controls an obtainment and storage procedure of business information between selling/buying enterprises(BI) and buying enterprise management information The WWC support control module controls a generation procedure of ARI registration simulation support information, ARI issue examination support information, and loan examination support information. An ARI registration simulation support module(113) extracts ARI registration simulation support information. An ARI issue examination support module(114) extracts ARI issue examination support information. A loan examination support module(115) extracts loan examination support information. [Reference numerals] (101) WWC support control module; (102) Interface module; (103) Operation information storage module; (105) BI acquisition module; (106) Purchase corporate credit rating information acquisition module; (107) Purchase corporate management information acquisition module; (108) ARI registration simulation support information processing module; (109) ARI support information processing module; (110) Loan examination support information processing module; (111) Support content storage module; (112) External request message receiving module; (113) ARI registration simulation support module; (114) ARI issue examination support module; (115) Loan examination support module; (80) Wired and wireless online network

Description

The system which supports a win-win cooperation between the enterprise based on the currency of a account receivable}

The present invention supports Win-Win Cooperation between the enterprise (WWC) based on the distribution of account receivables (AR: "AR"). It is related to the system, more specifically, without any difficulty on the part of the merchandise side, whether the company can subscribe to the insurance based on the support simulation information of the account receivable insurance (ARI) (hereinafter referred to as "ARI"), In addition to guides to easily determine whether the company can apply for loans, additional procedures that are unnecessary for guarantee / insurance companies and banks (e.g., self-procurement of credit rating information of the purchasing company, and issuance of AR) Without the request / receipt process, etc.), it is possible to effectively proceed with the optimal ARI issuance review process and loan review process based on ARI issuance review support information and loan review support information. By doing so, AR can easily assist the subordinate company's sales company to avoid various damages due to ARI's non-issuance and non-payment of loans and to optimize win-win cooperation with its parent company, Purchasing Company. It relates to a distribution based WWC support system.

As shown in Figure 1, under the distribution system of the AR (for example, traumatic sales, receipts, etc.) according to the prior art, the goods (real goods, service goods, services, subcontracting, etc.) to the purchasing company (2) side ) And the corresponding AR obtained the AR, <Procedure for subscribing the ARI to the guarantee / insurer (4) with AR as collateral> and <Issuance from the guarantee / insurer (4) With ARI as collateral, the bank proceeds to apply for a loan to the bank side>.

Of course, in this situation, the guarantee / insurance company 4 pre-screens whether it is possible to issue an ARI to the selling company 1, and if the result of the examination is positive, the ARI to the selling company 1. (Of course, if the selling company (1) has received such ARI, if a loss occurs due to the default of the purchasing company (2), the guarantee / insurer (4) will receive a series of procedures). You will be able to receive insurance benefits).

In addition, the bank (3) also pre-screens the holding value of the ARI issued from the insurer / insurer (4), and if the result of the examination is positive, performs a loan to the selling company (1) holding the ARI. (Of course, the selling company (1) who has executed such a loan can pre-secure the company's selling price even before the purchasing company (2) pays).

Under such a conventional system, as described above, in order for the selling company 1 to normally issue the ARI, a series of ARI issuance review procedures by the guarantee / insurance company 4 must be performed in advance. In order to more reliably confirm the stability of the AR, the guarantee / insurer 4 must proceed with the procedure of evaluating the credit status of the purchasing company 2.

In this situation, however, for a variety of reasons (e.g., the guarantee / insurer 4 does not hold the purchasing company 2's credit information, or the purchasing company 2's credit status is unclear), If the credit rating of the company (2) is impossible, the guarantee / insurance company (4) does not start the <ARI issuing examination procedure> and makes a determination that <the issuance of the ARI is impossible>. 1) Despite the fact that <the company (2) related AR> is normally held, the party is unable to receive a series of ARIs due to an extremely unjust reason. There is no choice but to be placed.

In particular, since the ARI acts as an essential collateral in the loan process of the bank 3 side, if the issuance of the ARI cannot be performed normally due to the above-mentioned reasons, the selling company 1 performs the loan execution of the bank 3. Even the additional damage that becomes difficult to pre-supply and payouts by the company will be forced to bear the same.

Fortunately, the guarantee / insurance company 4 holds the credit information of the purchasing company 2, so that a series of ARI issuance examination procedures proceed normally, thereby ensuring that the retailer 1 normally secures the ARI. If possible, the selling company 1 proceeds to the bank 3 to apply for a loan with the ARI issued from the guarantee / insurer 4 as collateral. do.

Of course, when the loan application is received from the selling company (1) that secures the ARI, the bank (3) requests the issuing company (2) to issue the AR in order to more reliably verify the stability of the ARI. (Referring to reference, the ordinary AR mortgage loan is a prerequisite for the issuance of AR by the purchasing company 2).

However, since the above-mentioned AR issuance service is a daunting task of, for example, <confirming and issuing each AR after connecting to a bank internet banking network, the purchaser company ( 2) On the other hand, due to the increased burden on the company, the company is forced to show a very passive attitude to AR issuing business.In the end, under the above-mentioned demanding conditions, the selling company (1) has received a series of loans even though the ARI is normally issued. There is no choice but to be placed in a difficult situation, such as difficult to secure easily.

In conclusion, under the above-mentioned bad conditions, the selling company 1 cannot receive the ARI normally or receive the loan normally, even though the selling company 1 does not have any special faults. Often faced with a serious situation, such as.

In particular, in addition to these problems, considering the normal domestic and international business environment, the above-described purchasing company (2) and selling company (1) is a <top company (in the case of purchasing company) having a mutual transaction relationship (for example, , A large company that has a business relationship with a first business partner, a first business partner that has a business relationship with a second business partner, a second business partner that has a business relationship with a third business partner, etc. (E.g., primary partner company that has a business relationship with a large company, secondary partner company that has a business relationship with a first partner company, tertiary partner company that has a business relationship with a second partner company, etc.)> Since the probability of work is very high, the selling company 1, which is in a poor position as a subordinate company due to <Difficulty in securing credit information>, <Procedural difficulties in ar issuing business> and the like as described above (e.g., dealing with a large company) Primary relationship with Partner companies, secondary partner companies that have a business relationship with a first partner company, tertiary partner companies that have a business relationship with a second partner company, etc.) will not be able to receive ARI properly or receive loans normally In this case, the WWC between parent and subordinate companies, which has become an important social issue in recent years, is also subject to serious threats. Apart from the problems, they have no choice but to spread widely to society.

Accordingly, an object of the present invention is to provide a medium through <AR (Account Receivable) within a communication pipeline of a sales company information communication terminal, a guarantee / insurer information communication terminal, a bank information communication terminal, etc., which are connected to a wired / wireless online network. Business Information between the selling / buying enterprise (BI) (e.g., business name information of the buying / selling company, corresponding to the transaction between the selling / purchasing company with mutual bond / debt relationship, Purchasing company / sales company's business number information, purchasing company / sales company's business status information, transaction amount between purchasing company / sales company (e.g. supply value) information, trading company information between purchasing company / sales company, purchasing company / sales company Computer module for acquiring, storing and managing transaction date information, payment condition information between purchasing company and selling company, etc.), <credit evaluation information corresponding to credit history of purchasing company (for example, Financial statement information of purchasing company, company overview information of purchasing company, history of purchasing company, loan status of purchasing company, bad transaction history of purchasing company, credit rating information of purchasing company, cash flow of purchasing company Computer module that can acquire, store and manage the details information, etc.>, and <purchase corresponding to the management details of the purchasing company of the client (e.g., large company, public institution, public company, etc.) Company management information (e.g., contract information with the purchasing company, number / ordering information with the purchasing company, bond information of the purchasing company, payment processing information for the purchasing company, ordering delivery information of the purchaser's purchase quantity, purchasing company and sales) Computerized module for acquiring, storing / management of cooperative relationship information among companies>, <Buying BI, Purchasing Company Credit Rating Information, Purchasing Company Management Information, etc. Account Receivable Insurance (RI) enrollment simulation process (e.g., whether a purchaser is eligible for credit, appropriate credit amount, appropriate credit period, recoverable amount in case of bankruptcy) ARI subscription simulation support information to support the selected amount of purchase by purchaser, whether to subscribe to insurance, whether to apply for loan, etc.), and to support the ARI issuance process of the guarantee / insurer. ARI issuance review support information, computerized module that can create, store and manage loan review support information to support banks' loan review>, <selling company information communication terminal, guarantee / insurance information communication terminal, bank information In accordance with the request message sent from the communication terminal, etc., ARI subscription simulation support information, ARI issuance audit support information, and loan audit support information are sold. Computerized modules> that can be transmitted / provided to sellers, guarantees / insurers, banks, etc. are systematically arranged and provided, so that the insurance company does not have any difficulty, and based on the ARI subscription simulation support information, It guides you to easily determine whether you can subscribe and whether you can apply for a loan, etc., as well as unnecessary extra procedures in guarantee / insurer, bank, etc. By making a guide to effectively proceed with the optimal ARI issuance review process and loan review process based on the ARI issuance review support information and loan review support information, etc. The sales company easily avoided various damages caused by the failure of the ARI issue and the non-payment of the loan. It is to help you to optimize even the win-win cooperation with the parent company, buying companies.

Other objects of the present invention will become more apparent from the following detailed description and the accompanying drawings.

In order to achieve the above object, the present invention communicates with a sales company information communication terminal, a warranty / insurer information communication terminal, and a bank information communication terminal connected to a wired / wireless online network. Business Information between the selling / buying enterprise (BI) that corresponds to the transaction history between the selling company and the purchasing company that have mutual receivables / debt relationships through Account Receivable (AR) >, <Acquisition and Storage Procedure of Credit Rating Information Corresponding to Credit History of Purchasing Company>, <Procurement Company Management Information Corresponding to Owner's Management Details of Originating Transaction between Seller and Buyer>, and BI ARI (Account Receivable Insurance) Subscription Support Information based on Purchasing Company Credit Rating Information and Purchasing Company Management Information Information sources>, <Loans Review Support Information> each generate win-win cooperation between enterprises to control the process (WWC: Win-Win Cooperation between the enterprise) support the control module; The ARI subscription control information is controlled by the WWC support control module, extracts the ARI subscription simulation support information according to a request message transmitted from the seller information communication terminal, while communicating with the seller information communication terminal. An ARI subscription simulation support module for transmitting simulation support information to the sales company information communication terminal; Controlled by the WWC support control module, in communication with the selling company information communication terminal or guarantee / insurance company information communication terminal, according to the request message transmitted from the selling company information communication terminal or guarantee / insurance company information communication terminal, the An ARI issuance review support module for extracting ARI issuance review support information and transmitting the extracted ARI issuance review support information to the guarantee / insurer information communication terminal; The loan examination support information controlled by the WWC support control module and in communication with the selling company information communication terminal or the bank information communication terminal, according to a request message transmitted from the selling company information communication terminal or the bank information communication terminal. After extracting, the WWC support system based on the AR distribution, characterized in that it comprises a loan screening support module for transmitting the extracted loan screening support information to the bank information and communication terminal side.

In the present invention, a sales / purchasing with a mutual bond / debt relationship through <AR in a communication pipeline of a sales company information communication terminal, a guarantee / insurer information communication terminal, a bank information communication terminal, etc., which are connected to a wired / wireless online network. BI (e.g., company name information of the purchasing company / sales company, business number information of the purchasing company / sales company, business status information of the purchasing company / sales company, transaction amount between the purchasing company / sales company) Computer module to acquire and store / manage information, supply value) information, transaction item information between purchasing company / sales company, transaction date information between purchasing company / sales company, payment condition information between purchasing company / sales company>, <Credit evaluation information corresponding to the credit history of the purchasing company (for example, financial statement information of the purchasing company, corporate overview information of the purchasing company, history information of the purchasing company, credit information of the purchasing company, Computer module for acquiring, storing and managing financial transaction defect information of company, credit rating information of purchasing company, cash flow history information of purchasing company, etc. For example, purchasing company management information (e.g., contract information with the purchasing company, number / ordering information with the purchasing company, credit information of the purchasing company, purchasing company) corresponding to the purchasing company management details of a large company, public institution, public company, etc. Computer processing module for acquiring, storing, and managing payment processing information, purchaser's purchase quantity, purchaser's delivery information, and cooperative relationship information between purchasing company and selling company), <acquired BI, purchasing company credit rating information On the basis of the management information of the purchasing company, etc., the ARI joining simulation procedure of the seller (eg, whether the purchasing company can perform credit, the appropriate credit amount, the appropriate credit period, and the recoverable amount in case of default) ARI joining to identify the amount of purchase, and to select the purchasing companies that can issue ARI, and to support the simulation procedure for calculating the amount of subscription for each selected purchasing company, whether the company can subscribe to insurance, and whether the company can apply for loans. Computerization module that can create, store and manage simulation support information, ARI issuance support information to support ARI issuance review procedures at the guarantee / insurer side, and loan inspection support information to support loan screening at the bank side>, In accordance with the request message sent from the Seller's Information and Communication Terminal, Guarantee / Insurer's Information and Communication Terminal, Bank Information and Communication Terminal, etc., the Seller, Guarantee / Computerized modules> which can be transmitted / provided to insurance companies, banks, etc. are systematically arranged and provided, and therefore, under the implementation environment of the present invention, Without any difficulty, based on the ARI subscription simulation information, it is possible to easily determine whether the company can apply for insurance, whether the company can apply for a loan, etc., unnecessary extra procedures (eg, guarantees, insurance companies, banks, etc.) Optimal ARI issuance review based on the above ARI issuance review support information and loan review support information, etc., without having to acquire the credit rating information of the purchasing company and request / receive the issuance of AR to the purchasing company. It is possible to effectively proceed with the procedures and the loan screening procedure.In the end, the sales company easily avoids various damages caused by the unissued ARI and non-payment of the loan, and coexists with the purchasing company, which is its parent company. Even cooperation can be optimized.

1 is an exemplary diagram conceptually showing a distribution pattern of the AR according to the prior art.
2 is an exemplary diagram conceptually illustrating an online deployment pattern of the WWC support system according to the present invention.
3 is an exemplary diagram conceptually showing a detailed configuration of a WWC support system according to the present invention.
4 is an exemplary diagram conceptually showing a detailed functional procedure of the WWC support system according to the present invention.

Hereinafter, with reference to the accompanying drawings, a more detailed description of the WWC support system based on AR distribution in accordance with the present invention.

As shown in Fig. 2, under the framework of the present invention, a seller (1) providing goods (real goods, service goods, services, subcontracting, etc.) to the purchaser (2) and obtaining an AR corresponding thereto. The party shall apply for a loan to the bank (3) using <AR as a collateral and a procedure for subscribing the ARI to the guarantee / insurer (4)> and the ARI issued from the guarantee / insurer (4). Procedure>, etc. (in this case, the selling company and the purchasing company enter into mutual bond / debt relationship through AR).

In this case, the above-described selling company 1 has a <lower company> which has a trading relationship with the purchasing company 2 (for example, a first cooperative company having a trading relationship with a large company, a first cooperative company having a trading relationship with a first cooperative company). Secondary partner company, tertiary partner company that has a business relationship with secondary partner company, etc.) Conversely, purchasing company (2) is a <parent company> which has a mutual transaction relationship with sales company (1). (E.g., a large company that has a business relationship with a first business partner, a first business partner that has a business relationship with a second business partner, a second business partner that has a business relationship with a third business partner, etc.).

In this situation, the insurer / insurer (4) pre-screens <can I issue an ARI to the selling company (1)?], And if the result is positive, issues the ARI to the selling company (1). (Of course, the selling company (1) who received this ARI will receive a series of insurance claims from the guarantee / insurer (4) if the purchaser (2) has a loss due to default). Can be paid).

In addition, the bank (3) also pre-screens the holding value of the ARI issued from the insurer / insurer (4), and if the result of the examination is positive, performs a loan to the selling company (1) holding the ARI. (Of course, the selling company (1) who has executed such a loan can pre-secure the company's selling price even before the purchasing company (2) pays).

Under such a base environment, as shown in FIG. 2, the WWC support system 100 according to the present invention is managed by the selling company information communication terminal 10 and the purchasing company 2 managed by the selling company 1. Purchasing Company Information and Communication Terminal (20), Guarantee / Insurer Information & Management Company (4) Managed by Telecommunications Terminal (40), Bank Information & Communication Terminal (30), Managed by Bank (3), BI Holding Company ( 5) BI holding company information and communication terminal 50 managed by, the customer information and communication terminal 60 and the credit rating company (70) managed by the customer (6) (produces the credit rating information for each company / individual / It means that the credit rating agency information and communication terminal 70, etc., managed by a professional company that collects / manages, and the like, take on-line configuration patterns that are additionally installed in a series of communication infrastructures that are formed in complex. In this case, the WWC support system 100 of the present invention may have a structure that is installed in the program block of the credit rating agency information communication terminal 70 depending on the situation.

At this time, the previous BI holding company (5) managed general or electronic commerce between the selling company (1) and the purchasing company (2), or issued an electronic tax invoice to the selling company (1) and the purchasing company (2) As a company that has its own BI, for example, a commerce market place provider, an e-Bill issuing company, and the like may be applicable.

In addition, the preceding client 6 is a company or an organization that originally ordered a transaction between the selling company 1 and the buying company 2, for example, a large company, a public institution, or a public company.

Under such an infrastructure, as shown in FIG. 3, the WWC support system 100 according to the present invention mediates a wired / wireless online network 80 (eg, a wired / wireless internet network), an interface module 101, and the like. In this regard, the sales company information communication terminal 10, the purchasing company information communication terminal 20, the guarantee / insurance company information communication terminal 40, the bank information communication terminal 30, the BI holding company information communication terminal 50, and the customer Communication with information communication terminal 60, credit rating agency information communication terminal 70, etc., <BI corresponding to transaction details between selling company 1 and purchasing company 2>, <Credit of purchasing company 2 Acquisition and storage of credit rating information corresponding to the details>, <purchasing company management information corresponding to the management details of the client (6)), and <ARI subscription simulation support information>, <ARI issuance audit support information> , And control the procedures for creating and storing <Loan examination support information>, etc. WWC-supported control module 101, an operation information storage module 103, a BI acquisition module 105, a purchasing company credit evaluation information acquisition module 106, and a purchasing company under the control system of the WWC-supported control module 101. Management information acquisition module 107, ARI subscription simulation support information processing module 108, ARI issuance examination support information processing module 109, loan examination support information processing module 110, support content storage module 111, external request The message receiving module 112, the ARI subscription simulation support module 113, the ARI issuance review support module 114, the loan review support module 115 and the like take a close combination.

At this time, the preceding information seller company information and communication terminal (10), purchase company information communication terminal (20), guarantee / insurance company information communication terminal (40), bank information communication terminal (30), BI holding company information communication terminal (50), The client's information and communication terminal (60) and the credit rating agency's information and communication terminal (70) include a large computer capable of executing server-level complex functions, such as a tablet PC, a notebook PC, a desktop PC, a cellular phone, and a PC. Personal Communications Services phone (PCS phone), Synchronous / Asynchronous International Mobile Telecommunication-2000 (IMT-2000), Palm Personal Computer (PDA), Personal Digital Assistant (PDA), Smart Phone ), A WAP phone (Wireless application protocol phone), a game machine (Play-station), an e-mail account management server, a personal homepage account management server, etc. may be variously selected according to circumstances.

At this time, in the operation information storage module 103 controlled by the WWC support control module 101, various types of operation information required for the execution of the WWC support service, for example, the registration information of the person in charge of each sales / purchase company, the information communication terminal of the sales company. (10) registration information, purchasing company information and communication terminal 20, registration information of the person in charge of the guarantee / insurance company (4), registered information of the warranty / insurance company information and communication terminal (40), bank (3) Registration information of the person in charge, registration information of the bank information and communication terminal (30), registration information of the person in charge of the BI holding company (5), registration information of the BI holding company information and communication terminal (50), registration information of the business owner (6) Registration information of the information and communication terminal 60, registration information of the person in charge of the credit rating agency 70, registration information of the credit rating agency information and communication terminal 70, resource status information of the system 100, each computer module in the system 100 Components needed for their computerization process It plays a role of stably storing and managing information in its own information storage area. (Of course, each operation information listed above can be added / deleted or changed flexibly depending on the situation of the system 100. Can be).

In the situation where such an infrastructure is equipped, the external request message receiving module 112 controlled by the WWC support control module 101, as shown in FIG. 4, the interface module 102 and the wired / wireless online network 80. Various external request messages that are output / transmitted from the information communication terminal 10, the guarantee / insurer information communication terminal 40, the bank information communication terminal 30, etc. Receives ARI subscription simulation support request message, ARI issuance examination support request message, loan examination support request message, etc., and receives the various external request messages that are suitable for processing the external request message, for example, ARI subscription simulation support module ( 113), by passing to the ARI issuance examination support module 114, loan examination support module 115, a series of WWC support services based on <AR distribution in accordance with the present invention > Will play a role of helping to proceed normally without any problems.

In this situation, on the BI acquisition module 105 side controlled by the WWC support control module 101, the purchase enterprise information communication terminal 20, BI through the interface module 102, the wired / wireless online network 80, and the like. While communicating with the information communication terminal (50) of the holding company, BI <corresponding to the transaction history between the selling company (1) and the purchasing company (2) (for example, the name of the company of the purchasing company / sales company, the purchase) Company / seller's business number information, purchasing company / sales company's business status information, trading company / sales company's transaction amount (for example, supply value) information, trading company's / sales company's trading item information, between purchasing company / sales company Transaction date information, payment condition information between the purchasing company / sales company, etc.) is obtained (see FIG. 4).

In this way, the BI (eg, purchase) managed by the purchasing company 20, the BI holding company 5 (e.g., a commerce market place provider, an e-Bill issuing company, etc.) is managed. Company / Selling company name information, Purchasing / Selling company's business number information, Purchasing / Selling company's business status, Purchasing / Selling company's transaction amount (e.g. supply value) information, Buying / Selling company's When the transaction item information, transaction date information between the purchasing company / sales company, payment condition information between the purchasing company / sales company, etc. is completed, the BI acquisition module 105 stores the BI stably in its information storage area. By managing, a series of WWC support follow-up procedures according to the present invention will be assisted to proceed normally.

On the other hand, the purchaser credit rating information acquisition module 106 side controlled by the WWC support control module 101 together with each of the preceding computer modules through the interface module 102, the wired / wireless online network 80 and the like. While communicating with the credit rating agency information and communication terminal 70, the purchaser credit rating information corresponding to the credit history of the purchasing company (2) (e.g. Acquisition of statement information, company overview information of purchaser, history of purchaser, loan status of purchaser, bad transaction history of purchaser, credit rating information of purchaser, cash flow history of purchaser, etc.) It will proceed to the procedure (see Figure 4).

In this way, the <purchase company credit evaluation information> (eg, financial statement information of the purchasing company, corporate overview information of the purchasing company, history information of the purchasing company, credit status information of the purchasing company, and purchase) managed by the credit rating agency 7 After the acquisition of the company's financial transaction defect information, the purchasing company's credit rating information, the purchasing company's cash flow details information, etc., the purchasing company's credit rating information acquisition module 106 determines the corresponding <purchasing company credit rating information>. By stably storing / managing the information storage area, the WWC support subsequent procedure according to the present invention is assisted to proceed normally.

On the other hand, the purchasing company management information acquisition module 107 side controlled by the WWC support control module 101 together with each of the preceding computer modules through the interface module 102, the wired / wireless online network 80 and the like. Purchasing company on the client's side (e.g., large company, public institution, public corporation, etc.) who has initiated communication between the selling and purchasing company from the client's information and communication terminal 60 while communicating with the client's information and communication terminal 60 Purchasing company management information corresponding to the management details> (e.g., Contract information with the purchasing company, number / ordering information with the purchasing company, bond information of the purchasing company, payment processing information for the purchasing company, and the purchaser Delivery information, cooperative relationship information between a purchasing company and a selling company), etc.) are obtained (see FIG. 4).

In this way, <purchasing company management information> (for example, contract information with a purchasing company, number / ordering information with a purchasing company, credit information of a buying company, When the payment processing information for the purchaser, purchaser's purchase quantity of the purchaser's purchase quantity, and cooperative relationship information between the purchaser and the seller's company are acquired, the purchaser's management information acquisition module 107 determines the corresponding <purchaser's management information. By stably storing / managing &gt; in his information storage area, a series of WWC support follow-up procedures according to the present invention can be assisted normally.

On the other hand, through each of the above-described procedures, the <BI managed by the purchasing company 20, the BI holding company 5, etc.>, <The credit rating information of the purchasing company managed by the credit rating company 7>, <Order ( For example, in a situation in which purchasing company management information > managed by a large company, public institution, public corporation, etc.) is acquired / stored, the ARI subscription simulation support information processing module 108 controlled by the WWC support control module 101 has Communication with the BI acquisition module 105, purchaser credit evaluation information acquisition module 106, purchaser management information acquisition module 107, and the like is accessed to the information storage area, and the BI and the purchaser stored therein The procedure of reading the credit rating information, purchasing company management information, etc. is performed (see FIG. 4).

In this way, the BI, the purchasing company credit evaluation information, the purchasing company management information, etc., which have been acquired by the BI acquisition module 105, the purchasing company credit evaluation information acquisition module 106, and the purchasing company management information acquisition module 107, etc., have been read. When the ARI subscription simulation support information processing module 108 side proceeds with a series of data generation routines based on the read information, for example, <company name information of the purchasing company / sales company, and business number information of the purchasing company / sales company. , Business status of purchasing company / sales company, transaction amount (for example, supply price) information between purchasing company / sales company, transaction item information between purchasing company / sales company, transaction date information between purchasing company / sales company, purchasing company / sales Information on payment terms between companies, financial statement information of purchasing company, company overview information of purchasing company, history of purchasing company, credit status of purchasing company, financial transaction defects of purchasing company , Credit rating information of purchasing company, cash flow history information of purchasing company, contract information between client / purchasing company, number / ordering information between client / purchasing company, bond information between client / purchasing company, payment processing information between client / purchasing company , Information on delivery between client / purchaser, cooperative relationship information between purchaser / seller, etc.> can be expressed in tables / graphs / images / letters / numbers, etc. The procedure for generating the ARI subscription simulation support information is performed (see FIG. 4). (Of course, some of the above-described example information may be deleted or some other information may be newly added depending on the situation.)

In this way, the ARI subscription simulation procedure of the seller (1) side (e.g., whether the purchaser can make a credit transaction, the appropriate credit transaction amount, the appropriate credit transaction period, the recoverable amount in case of bankruptcy, etc.) can be identified, and the purchase can be issued. ARI subscription simulation to support the selection of a company and to calculate the amount of subscription for each selected purchasing company, whether to subscribe to its insurance, whether to apply for a loan, etc.) The support information processing module 108 communicates with the support content storage module 111 to access the information storage area, and then proceeds to store / manage the generated ARI subscription simulation support information in the information storage area. In addition, a series of WWC support follow-up procedures according to the present invention assists to proceed normally without any problem (see FIG. 4).

On the other hand, through each of the above-described procedures, the <BI managed by the purchasing company 20, the BI holding company 5, etc.>, <The credit rating information of the purchasing company managed by the credit rating company 7>, <Order ( For example, in a situation in which purchaser management information> managed by a large company, public institution, public corporation, etc.) is acquired / stored, the ARI issuance examination support information processing module 109 controlled by the WWC support control module 101 may be Communication with the BI acquisition module 105, purchaser credit evaluation information acquisition module 106, purchaser management information acquisition module 107, and the like is accessed to the information storage area, and the BI and the purchaser stored therein The procedure of reading the credit rating information, purchasing company management information, etc. is performed (see FIG. 4).

In this way, the BI, the purchasing company credit evaluation information, the purchasing company management information, etc., which have been acquired by the BI acquisition module 105, the purchasing company credit evaluation information acquisition module 106, and the purchasing company management information acquisition module 107, etc., have been read. When the ARI issuance examination support information processing module 109 side proceeds with a series of data generation routines based on the read information, for example, <company name information of the purchasing company / sales company, and business number information of the purchasing company / sales company. , Business status of purchasing company / sales company, transaction amount (for example, supply price) information between purchasing company / sales company, transaction item information between purchasing company / sales company, transaction date information between purchasing company / sales company, purchasing company / sales Information on payment terms between firms, financial statements of purchasing firms, company overview of purchasing firms, history of purchasing firms, credit status of purchasing firms, bad transaction details of financial firms, Company's credit rating information, purchasing company's cash flow history information, contractor / contractor's contract information, client / purchaser's number / order information, client / purchaser's bond information, client / purchaser's payment processing information, client's / Delivery information between the purchasing company, cooperation information between the purchasing company / selling company, etc.> are expressed in tables, graphs, images, letters, numbers, etc., which can effectively support the ARI issuance process of the guarantee / insurance company (4). A procedure of generating ARI issuance audit support information is performed (see FIG. 4). (Of course, some of the above-described example information may be deleted depending on the situation, or another partial information may be newly added).

In this way, when the ARI issuance review support information for supporting the ARI issuance review procedure on the guarantee / insurer 4 side is generated, the ARI issuance review support information processing module 109 communicates with the support content storage module 111. After accessing the information storage area, the procedure of storing / managing the generated ARI issuance support information in the corresponding information storage area is performed so that a series of WWC support follow-up procedures according to the present invention can proceed normally without any problems. (See Figure 4).

On the other hand, through each of the above-described procedures, the <BI managed by the purchasing company 20, the BI holding company 5, etc.>, <The credit rating information of the purchasing company managed by the credit rating company 7>, <Order ( For example, in a situation in which the purchasing company management information, which is managed by a large company, a public institution, a public corporation, etc.) is acquired / stored, the loan examination support information processing module 110 controlled by the WWC support control module 101 has a BI. Communication with the acquisition module 105, purchaser credit evaluation information acquisition module 106, purchaser management information acquisition module 107, and the like, accesses their information storage area, and then stores the BI and purchaser credit The procedure of reading the evaluation information, purchasing company management information, etc. is performed (see FIG. 4).

In this way, the BI, the purchasing company credit evaluation information, the purchasing company management information, etc., which have been acquired by the BI acquisition module 105, the purchasing company credit evaluation information acquisition module 106, and the purchasing company management information acquisition module 107, etc., have been read. When the loan screening support information processing module 110 proceeds with a series of data generation routines based on the read-out information, for example, <business name information of the purchasing company / sales company, business number information of the purchasing company / sales company, Business status of purchasing company / sales company, transaction amount (for example, supply price) information between purchasing company / sales company, trading item information between purchasing company / sales company, transaction date information between purchasing company / sales company, purchasing company / sales company Payment condition information, purchaser's financial statement information, purchasing company's overview information, purchasing company's history information, purchasing company's credit status information, purchasing company's financial transaction defect information, purchasing Business credit rating information, purchaser's cash flow history information, contractor / contractor's contract information, client / purchaser's number / ordering information, client / purchaser's bond information, client / purchaser's payment processing information, client's The information on the delivery between the purchasing company and the cooperative relationship information between the purchasing company and the selling company is expressed in tables, graphs, images, letters, and numbers, so that the loan review process can be effectively supported by the bank (3). The procedure of generating information is performed (see FIG. 4). (Of course, some of the above-described example information may be deleted, or some other information may be newly added depending on the situation).

In this way, when the loan examination support information for supporting the loan examination process of the bank 3 side is completed, the loan examination support information processing module 110 communicates with the support content storage module 111 to store the information thereof. After accessing the area, by proceeding with the procedure of storing / managing the generated loan examination support information in the corresponding information storage area, the WWC support follow-up procedure according to the present invention is assisted to proceed normally without any problems (Fig. 4).

On the other hand, through each of the above-described procedures, <the ARI subscription simulation support information for supporting the ARI subscription simulation procedure of the seller (1) side, <the ARI issuance procedure for supporting the ARI issuance procedure of the warranty / insurance company (4) side In the situation where issuance audit support information> and <loan audit support information for supporting the loan review procedure of the bank 3> are stably stored / managed in the information storage area of the external content storage module 111, respectively, If it is confirmed by the function of the external request message reception module 112 that <the external request message transmitted from the seller information and communication terminal 10 side, for example, the ARI subscription simulation support request message is received>, WWC support control The ARI subscription simulation support module 113 controlled by the module 101 immediately communicates with the support content storage module 111 to access its information storage area and then access the information storage area. A procedure of extracting previously stored <ARI subscription simulation support information for supporting an ARI subscription simulation procedure of the seller 1 side> is performed (see FIG. 4).

In this way, when the <ARI subscription simulation support information for supporting the ARI subscription simulation procedure on the seller side 1> is completed, the ARI subscription simulation support module 113 side may use the interface module 102 and the wired / wireless online network. Communicating with the selling company's information and communication terminal 10 via 80, etc., the extracted <ARI signing simulation support information to support the ARI signing simulation procedure of the selling company 1 side> The procedure of transmitting to the terminal 10 is performed (see FIG. 4).

Of course, in this situation, the ARI subscription simulation support information provided to the selling company information communication terminal 10 side includes, for example, <company name information of the buying company / sales company, business number information of the buying company / sales company, purchasing company / sale. Company's business status information, transaction amount between purchasing company / sales company (e.g. supply price) information, transaction item information between purchasing company / sales company, transaction date information between purchasing company / sales company, payment condition information between purchasing company / sales company , Purchaser's financial statement information, purchasing company's overview information, purchasing company's history information, purchasing company's credit status information, purchasing company's financial transaction defect information, purchasing company's credit rating information, purchasing company's cash flow details Information, contract information between client / purchaser, order / purchaser information between client / purchaser, bond information between client / purchaser, payment processing information between client / purchaser, client / purchaser Sales information, cooperation information between purchasing company / sales company, etc.> are expressed in detail in tables / graphs / images / letters / numbers, etc. Simulation procedure (e.g., whether a purchaser can make a credit transaction, an appropriate credit transaction amount, an appropriate credit transaction period, and a recoverable amount in case of bankruptcy) And the simulation process of calculating whether the company can apply for insurance and whether the company can apply for loans, etc.), so that it is easier to judge whether the company can apply for insurance and whether the company can apply for loans. It becomes possible.

On the other hand, through each of the above-described procedures, <the ARI subscription simulation support information for supporting the ARI subscription simulation procedure of the seller (1) side, <the ARI issuance procedure for supporting the ARI issuance procedure of the warranty / insurance company (4) side In the situation where issuance audit support information> and <loan audit support information for supporting the loan review procedure of the bank 3> are stably stored / managed in the information storage area of the external content storage module 111, respectively, External request message, eg, ARI issuance examination support request message transmitted from <sales company information and communication terminal 10, warranty / insurance company information and communication terminal 40, etc. by the function of the external request message reception module 112 is received. >, If the ARI issuance examination support module 114 controlled by the WWC support control module 101 immediately communicates with the support content storage module 111 to access its information storage area. , Sugar is information proceeds a processing to extract the <assurance / insurance company (4) ARI ARI issued examination support information for supporting a screening process of issuing side> which has been previously stored in the storage area (see FIG. 4).

In this way, when the <ARI issuance review support information for supporting the ARI issuance review procedure on the guarantee / insurer 4 side> is extracted, the ARI issuance review support module 114 side may use the interface module 102 and wired / wireless online. Communicates with the guarantee / insurer information and communication terminal 40 side via the network 80, and guarantees the extracted <ARI issuance examination support information for supporting the ARI issuance procedure of the assurance / insurer 4 side. / Information to the insurance company information communication terminal 40 proceeds to the procedure (see Figure 4).

Of course, in this situation, the ARI issuance examination support information provided to the guarantee / insurer information communication terminal 40 side includes, for example, <company name information of the purchasing company / sales company, business number information of the purchasing company / sales company, purchasing company / Business status information of the selling company, transaction amount (for example, supply price) information between the purchasing company / selling company, transaction item information between the buying company / selling company, transaction date information between the buying company / selling company, payment terms between the buying company / selling company Information, financial statement information of the purchasing company, company overview information of the purchasing company, history of the purchasing company, loan status information of the buying company, bad transaction details of the buying company, credit rating information of the buying company, cash flows of the buying company. Breakdown information, contract information between client / purchaser, number / order information between client / purchaser, bond information between client / purchaser, payment processing information between client / purchaser, client / purchaser Since the delivery information, the cooperative relationship information between the purchasing company and the selling company> are expressed in detail in tables / graphs / images / letters / numbers, etc., the guarantee / insurer (4) does not have any difficulty, By acquiring the transaction information related to the purchasing company and the confirmation information of the bond related to the purchasing company, it is possible to proceed with a series of ARI issuance procedures more effectively. Consequently, whether to issue the ARI to the selling company (1) is possible. It will be easier to judge.

On the other hand, through each of the above-described procedures, <the ARI subscription simulation support information for supporting the ARI subscription simulation procedure of the seller (1) side, <the ARI issuance procedure for supporting the ARI issuance procedure of the warranty / insurance company (4) side In the situation where issuance audit support information> and <loan audit support information for supporting the loan review procedure of the bank 3> are stably stored / managed in the information storage area of the external content storage module 111, respectively, By the function of the external request message receiving module 112, <an external request message transmitted from the selling company information communication terminal 10, the bank information communication terminal 30, etc. is received, for example, a loan examination support request message>. If confirmed, the loan screening support module 115 controlled by the WWC support control module 101 immediately communicates with the support content storage module 111 to access its information storage area, and then stores the information. To proceed the process to extract the <loan examination support information to support the loan examination procedure of the bank 3 side> which was previously stored at the station (see Fig. 4).

In this way, when <loan screening support information for supporting the loan screening procedure on the bank 3 side> is extracted, the loan screening support module 115 side includes the interface module 102 and the wired / wireless online network 80. The process of communicating with the bank information and communication terminal 30 via the medium and transmitting the extracted <loan examination support information for supporting the loan examination process of the bank 3 side> to the bank information and communication terminal 50 side. Proceed (see Figure 4).

Of course, in this situation, the loan examination support information provided to the bank information and communication terminal 40 side includes, for example, <company name information of the purchasing company / sales company, business number information of the purchasing company / sales company, and information of the purchasing company / sales company. Business status information, amount of transaction between the purchasing company / sales company (e.g. supply price) information, transaction item information between the purchasing company / sales company, transaction date information between the purchasing company / sales company, payment condition information between the purchasing company / sales company, purchasing Company's financial statement information, Buyer's company overview information, Buyer's history information, Buyer's credit status information, Buyer's financial transaction defect information, Buyer's credit rating information, Buyer's cash flow history information, Contract information between client / purchaser, number / order information between client / purchaser, bond information between client / purchaser, payment processing information between client / purchaser, delivery information between client / purchaser , The cooperative relationship information between the purchasing company / sales company, etc. are expressed in detail in tables / graphs / images / letters / numbers, etc. It is possible to proceed with a series of loan screening procedures more effectively by grasping the information and debt confirmation information related to the purchasing company, and finally, it becomes easier to determine whether the loan is available to the selling company (1). .

As described above, according to the present invention, the communication pipelines of the sales company information communication terminal 10, the guarantee / insurer information communication terminal 40, and the bank information communication terminal 30, which are connected to the wired / wireless online network 80, are < Computer module that can acquire, store and manage BI corresponding to transaction history between sales / purchasing companies with mutual bond / debt relationship through AR, and credit rating corresponding to credit history of purchasing company (2) Computer module for acquiring, storing and managing information>, <Managing purchasing company on the ordering party (6) (e.g., large corporation, public institution, public corporation, etc.) who originated the transaction between sales / purchasing company (1, 2) Computerized module that can acquire, store and manage purchasing company management information corresponding to the details>, <Acquired BI, Purchasing Company Credit Rating Information, Purchasing Company Management Information, etc. ARI subscription simulation to support the simulation procedure To create, store, and manage loan support information to support loan screening by the banks (3). Computer module>, <Information for ARI subscription simulation support, ARI issuance according to request message transmitted from Seller Information and Communication Terminal (10), Warranty / Insurer Information and Communication Terminal (40), Bank Information and Communication Terminal (30), etc. Implementation of the present invention is provided by systematically providing a computer module for transmitting / providing examination support information, loan examination support information, etc. to a vendor 1, a guarantee / insurer 4, a bank 30, and the like. Under the circumstances, the seller 1 can easily determine whether the company can subscribe to the insurance, whether the company can apply for a loan, or the like, based on the ARI subscription simulation information without any difficulty. ), Bank( 3), etc., without unnecessary additional procedures (e.g., a procedure for obtaining credit rating information of a purchasing company by itself, a procedure for requesting / receiving an issuance of an AR to a purchasing company, etc.), the ARI issuance evaluation support information and loan examination support information. It is possible to effectively proceed with the optimal ARI issuance review process and loan review process, etc. on the basis of the While easily avoiding, even win-win cooperation with its parent company, Purchasing Company 2, can be optimized.

The present invention is not limited to a specific field, and has a useful effect generally in various fields that require the management of the ascending cooperation between companies.

Although specific embodiments of the present invention have been described and illustrated above, it is to be understood that the present invention may be embodied in many other specific forms without departing from the spirit or essential characteristics thereof.

Such modified embodiments should not be understood individually from the technical idea and viewpoint of the present invention, and such modified embodiments should be included in the appended claims of the present invention.

1: Seller 2: Buyer 3: Bank 4: Guarantee / Insurer 5: BI Holder
6: Client 7: Credit rating company 10: Seller's information and communication terminal
20: Buyer's Information and Communication Terminal 30: Bank Information and Communication Terminal
40: Warranty / Insurer Information & Communication Terminal 50: BI Company Information & Communication Terminal
60: Client's Information and Communication Terminal 70: Credit Rating Agency's Information and Communication Terminal
80: wired / wireless online network 100: WWC support system
101: WWC support control module 102: interface module 103: operation information storage module
105: BI acquisition module 106: purchaser credit rating information acquisition module
107: acquisition company management information acquisition module
108: ARI subscription simulation support information processing module
109: ARI issuance audit support information processing module
110: loan examination support information processing module 111: support content storage module
112: external request message reception module 113: ARI subscription simulation support module
114: ARI issuance review support module 115: loan review support module

Claims (7)

Communicates with sales company information communication terminal, guarantee / insurer information communication terminal and bank information communication terminal that are connected to wired / wireless online network, through <Account Receivable (AR) generated by sales of goods by the selling company. Business Information between the selling / buying enterprise (BI), which corresponds to the transaction history between the selling company and the purchasing company having mutual bond / debt relationship, and <corresponding to the credit history of the purchasing company Acquisition and storage procedures of credit rating information>, <purchasing company management information corresponding to the purchasing company management details of the ordering party that originally made the transaction between the selling company and the buying company>, and the BI, purchasing company credit rating information, and purchasing Each of <AR (Account Receivable Insurance) Subscription Simulation Support Information>, <ARI Issuance Review Support Information>, and <Loan Review Support Information> based on corporate management information Partnership between companies that control the sex procedure: and (WWC Win-Win Cooperation between the enterprise) supports a control module;
The ARI subscription control information is controlled by the WWC support control module, extracts the ARI subscription simulation support information according to a request message transmitted from the seller information communication terminal, while communicating with the seller information communication terminal. An ARI subscription simulation support module for transmitting simulation support information to the sales company information communication terminal;
Controlled by the WWC support control module, in communication with the selling company information communication terminal or guarantee / insurance company information communication terminal, according to the request message transmitted from the selling company information communication terminal or guarantee / insurance company information communication terminal, the An ARI issuance review support module for extracting ARI issuance review support information and transmitting the extracted ARI issuance review support information to the guarantee / insurer information communication terminal;
The loan examination support information controlled by the WWC support control module and in communication with the selling company information communication terminal or the bank information communication terminal, according to a request message transmitted from the selling company information communication terminal or the bank information communication terminal. After the extraction, the WWC support system based on the AR distribution, characterized in that it comprises a loan screening support module for transmitting the extracted loan screening support information to the bank information and communication terminal side. According to claim 1, which is controlled by the WWC support control module, and <managed general e-commerce or electronic commerce between the selling company and the purchasing company through the wired / wireless on-line network, or electronically to the selling company and the purchasing company side Issuing a tax invoice and communicating with the <BI holding company information and communication terminal> managed by the BI holding company that holds the BI or the <purchasing company information and communication terminal> managed by the purchasing company, And a BI acquisition module for acquiring and storing the acquired BI. The credit rating agency information and communication terminal, which is controlled by the WWC support control module and managed by a credit rating agency that manages a credit rating of the purchasing company through the wired / wireless online network. And a purchasing company credit rating information acquisition module configured to communicate with each other to obtain the purchasing company credit rating information, and to store the obtained purchaser credit rating information. The method of claim 1, wherein the controller is controlled by the WWC support control module and is managed by the <contractor who originally ordered the transaction between the selling company and the purchasing company> through the wired / wireless online network. And a purchasing company management information acquisition module for acquiring the purchasing company management information generated by the trading relationship between the client and the purchasing company, and storing the acquired purchasing company management information. WWC support system based. The BI according to any one of claims 2 to 4, wherein the BI is controlled by the WWC support control module, and is acquired by the BI acquisition module, purchaser credit rating information acquisition module, or purchaser management information acquisition module. After reading the purchasing company credit rating information or the purchasing company management information, the ARI subscription simulation support information is generated to support the ARI subscription simulation procedure of the seller based on the read content, and the generated ARI subscription simulation support information is generated. WWC support system based on AR distribution, characterized in that it further comprises an ARI subscription simulation support information processing module for storing. The BI according to any one of claims 2 to 4, wherein the BI is controlled by the WWC support control module, and is acquired by the BI acquisition module, purchaser credit rating information acquisition module, or purchaser management information acquisition module. After reading the purchasing company credit rating information or the purchasing company management information, the ARI issuance review support information is generated to support the ARI issuance process by the guarantee / insurer based on the read content, and the generated ARI issuance support information WWC support system based on the AR distribution, characterized in that it further comprises an ARI issuance examination support information processing module for storing the. The BI according to any one of claims 2 to 4, wherein the BI is controlled by the WWC support control module, and is acquired by the BI acquisition module, purchaser credit rating information acquisition module, or purchaser management information acquisition module. After reading the purchasing company credit rating information or the purchasing company management information, the loan examination support information is generated based on the read contents to generate loan examination support information to support the bank's loan examination, and store the generated loan examination support information. WWC support system based on AR distribution, characterized in that it further comprises an information processing module.

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