KR20160109218A - Method and server for purchasing account receivable of sales company - Google Patents

Abstract

A method for purchasing account receivable of a sales company in a back server according to an embodiment of the present invention comprises: a step of determining a limit of purchase regarding the sales company which shows total amount capable of requesting the purchase of the sales company; a step of receiving information of the account receivable issued according to a contract between a purchase company and the sales company from a terminal of the purchase company a step of receiving tax invoice information regarding the contract and a purchasing request regarding the account receivable from a terminal of the sales company; a step of receiving a sale approval regarding the account receivable from the purchase company by transmitting the received tax invoice information to the terminal of the purchase company; and a step of purchasing the account receivable by depositing a purchase price regarding the account receivable to a designated account of the purchase company if credit amount of the account receivable keeps within purchase bounds regarding the purchase company.

Description

METHOD AND SERVER FOR PURCHASING ACCOUNT RECEIVABLE OF SALES COMPANY < RTI ID = 0.0 >

The present disclosure relates to a method for purchasing sales receivables of a sales company at a bank server and a bank server.

When a contract for goods or services between companies is concluded, the purchasing company pays the sales company for the goods or services. At this time, the purchasing company may issue a trade receipt such as a commercial paper bill or a foreign currency sales certificate to the selling company on behalf of the price. These accounts receivables are due and the sellers can receive the receivables at maturity. In addition, sales companies may sell their trade receivables through financial institutions in order to quickly realize their receivables. Alternatively, the selling company can loan funds from the financial institution with a certain amount of collateralized receivables.

The sale of a large number of accounts receivable due to continuous transactions and the sale of a large number of accounts receivable issued by multiple purchasing companies are required.

To solve this problem, we provide a method for purchasing sales receivables of sales companies and a device for performing them. There is also provided a computer-readable recording medium storing a program and a program for causing a computer to execute the method. The technical problem to be solved by this embodiment is not limited to the above-described technical problems, and other technical problems can be deduced from the following embodiments.

According to an aspect of the present disclosure, there is provided a method of purchasing a sales receipt of a sales company at a bank server, the method comprising: Determining an embedding limit for the content; Receiving information on the trade receivable issued according to a contract concluded between the purchasing company and the sales company from a terminal of the purchasing company; Receiving tax invoice information for the contract and an invoice request for the receivable from the terminal of the sales company; Transmitting the received tax invoice information to the terminal of the purchasing company and receiving a sale approval for the receivable from the terminal of the purchasing company; And depositing the purchase price for the receivables to the designated account of the sales company and purchasing the receivables if the amount of the receivables does not exceed the purchase limit for the sales company.

In addition, the purchasing company includes a plurality of purchasing companies that make a contract with the sales company.

Further comprising the step of determining an issuance limit for the purchasing company indicating a limit to which the purchasing company can issue the receivable, wherein the step of purchasing the receivable includes the steps of: If the amount of the sales receivable does not exceed the issuance limit for the purchasing company.

The step of determining the issuance limit is characterized in that the issuance limit is determined such that the total sum of the respective issuance limits for the plurality of purchasing companies is equal to or less than the purchase limit for the sales company.

The step of determining the issuance limit may include: obtaining a credit rating of the purchasing company; And determining an issuance limit of the purchasing company below the first limit of the purchasing company determined based on the obtained creditworthiness.

The step of determining the purchase limit may include: obtaining a credit rating and a sales amount of the sales company; And determining a purchase limit for the sales company based on the acquired credit rating and the sales scale.

The bank server transmits and receives data to and from the terminal of the sales company and the terminal of the purchasing company using Internet banking or mobile banking provided by the bank server.

According to another aspect of the present disclosure, a method for determining a purchase limit for a sales company requesting purchase of a plurality of trade receivables from a bank server includes: receiving information on the sales company and purchasing goods or services from the sales company; Acquiring information on a plurality of purchasing companies; Evaluating creditworthiness and sales scale of the sales company using the obtained information; And determining a purchase limit for the sales company using the evaluated creditworthiness and the sales scale, wherein the bank server determines, based on the determined creditworthiness and the sales scale, And receives a purchase request of the bond.

Evaluating the creditworthiness of the plurality of purchasing companies using the acquired information; Further comprising the step of determining an issuance limit of a trade receivable for each of the plurality of purchasing companies using the evaluated credit rating, wherein the step of determining a purchase limit for the sales company comprises: The purchase limit is determined such that the total sum of the issue limits is equal to or less than the purchase limit.

According to another aspect of the present invention, a bank server that purchases a sales receipt of a sales corporation receives information of the receivable issued from a terminal of the purchasing company in accordance with a contract concluded between the purchasing company and the sales corporation Receiving the tax invoice information for the contract and the purchase request for the sales receipt from the terminal of the sales company, transmitting the received tax invoice information to the terminal of the purchasing company, A communication unit for receiving a sale approval for a bond; And determining a purchase limit for the sales company indicating a total amount the sales company can request to purchase and if the amount of the receivable does not exceed the purchase limit for the sales corporation, To the designated account of the sales company and controls the purchase of the receivables.

According to another aspect of the present invention, a bank server for determining a purchase limit for a sales company that requests a purchase of a plurality of trade receivables includes: information on the sales company; a plurality of A communication unit for receiving information on the purchasing companies; And evaluating a credit rating and a sales scale of the sales company using the received information, determining a purchase limit for the sales company using the evaluated credit rating and the sales scale, And a control unit for controlling the receiving unit to receive the plurality of receipt requests from the terminal of the sales company.

According to the above, the bank may limit the transaction limit to the sales receivable to the sales company so as to immediately respond to the sale receivable selling need of the sales enterprise. The selling company can sell the receivables quickly using the Internet banking provided by the bank server within the limit of the transaction. In addition, the sales company can recover the receivables issued by the purchasing company early, which may improve the credit rating. In addition, it is also possible to easily sell the trade receivables issued by a plurality of companies. In addition, the purchasing company can approve the sales of the receivables quickly by using the Internet banking, and it is possible to get a part of the purchase interest of the accounts receivable paid by the sales company at the time of payment of the sales receivable. Sellers and purchasing companies can quickly and easily identify information about trade receivables.

FIG. 1A shows a system including a bank server for purchasing trade receivables of a sales company according to an embodiment of the present invention.
FIG. 1B shows a system including a bank server for purchasing trade receivables of a sales company according to another embodiment of the present invention.
FIG. 2 shows a process of entering a trade receivable factoring contract to execute the method of purchasing trade receivables in FIG. 1A or FIG. 1B.
FIG. 3 is a flowchart of a method for purchasing a sales receipt of a sales company performed by the bank server of FIG. 1A or 1B.
FIG. 4 illustrates an example of an Internet banking screen provided by the bank server of FIG. 1A or 1B.
5 shows another example of the Internet banking screen provided by the bank server of FIG. 1A or 1B.
FIG. 6 is a diagram for explaining a process of determining a interest rate to be applied when purchasing a trade receivable in the method of purchasing a trade receipt in FIG.
FIG. 7 is a diagram for explaining a method of purchasing a sales receipt of a sales company performed by the bank server of FIG. 1A or 1B.
8 is a block diagram showing the hardware configuration of the bank server of FIG. 1A or 1B.
FIG. 9A is a block diagram showing an example of a detailed configuration of the control unit of the bank server of FIG. 8. FIG.
FIG. 9B is a block diagram showing another example of the detailed configuration of the control unit of the bank server of FIG. 8. FIG.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings, which will be readily apparent to those skilled in the art. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. In order to clearly illustrate the present invention, parts not related to the description are omitted, and similar parts are denoted by like reference characters throughout the specification.

Throughout the specification, when a part is referred to as being "connected" to another part, it includes not only "directly connected" but also "electrically connected" with another part in between . Also, when an element is referred to as "comprising ", it means that it can include other elements as well, without departing from the other elements unless specifically stated otherwise.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, the present invention will be described in detail with reference to the accompanying drawings.

FIG. 1A shows a system 10 including a bank server 100 for purchasing trade accounts receivable of a sales company according to an embodiment of the present invention.

Referring to FIG. 1A, a system 10 for purchasing a trade receivable may include a bank server 100, a terminal 200 of a sales company, and a terminal 300 of a purchasing company.

The bank server 100 registers one sales company and a plurality of purchasing companies that have concluded a sales receipt factoring contract in order to purchase accounts receivable using a method of purchasing trade receivables according to an embodiment of the present invention .

The sales company may be a sales buyer who transfers the receivables generated by the sales activities with the purchasing company to the bank and requests the purchase of the receivables. A purchasing company may be a repayment obligation that must repay to the bank the amount of the receivables purchased by the bank that accrues from the business activities with the sales company. The sales company can have multiple receivables issued by multiple purchasing companies simultaneously or over a period of time depending on various business activities, and can purchase multiple accounts receivable to the bank.

A method by which a bank concludes a sales receipt factoring contract according to an embodiment of the present invention with a sales company and a plurality of purchasing companies will be described later with reference to FIG.

The bank server 100 can purchase the sales receivable of the sales company by communicating with the terminals 200 of the registered sales company and the terminals 300 of the plurality of purchasing companies. Specifically, the bank server 100 can provide an Internet banking service for purchasing a sales receipt to a sales company and purchasing companies, and can receive information necessary for purchasing a receipt from a sales company and purchasing companies through an Internet banking service, Receive the request and buy the receivables. Internet banking may be meant to encompass both the Internet banking available in personal computers (PCs) and the financial transaction processing environment via the Internet, such as mobile banking available in mobile terminals.

The bank server 100 can determine the purchase limit for the registered sales company and the issuance limit for the registered purchasing company and if the amount of the receivable for which the purchase request is received is within the determined purchase limit and the limit of the purchase, can do. The selling and purchasing companies can quickly finance the sale of a large number of accounts receivable within a determined amount without having to purchase a new receivables purchase contract for each receivable. Sales companies can improve their financial structure by collecting a large number of accounts receivable issued by a large number of purchasing companies early. The purchasing company can increase the convenience of settlement by using the automatic payment function through the Internet banking and receive a part of the purchase interest paid by the sales company in the case of prepayment of the receivables.

The purchase limit for a sales company is the total limit that a registered sales company can request to purchase a trade receivable from a bank, which can be determined differently depending on the creditworthiness and sales scale of the sales company. In addition, the purchase limit for the sales company may be determined differently based on a predetermined condition for the predetermined sales company or the scale of the required operation money of the sales company, or the like.

The purchase limit for a sales company may be a limit that includes the amount of receivables of different accounts receivables that differ from the purchasing company.

The issuance limit for the purchasing company can be determined differently depending on the creditworthiness of the purchasing company and the like, which is the total limit to which the registered purchasing company can approve the sale of the trade receivable. The issuance threshold for a purchasing company may be a limit that includes the amount of receivables from different accounts receivable issued by the purchasing company.

The purchase limit for the sales company and the issuance limit for the purchasing company can be decided at the time of registering the sales company and the purchasing company by concluding a contract of accounts receivable contract with the sales company and the purchasing company.

Specifically, when a contract for supplying goods and services is concluded between a sales company and a plurality of purchasing companies, a sales receipt certificate is issued, and a tax invoice for the receivables can be issued as the goods and services are supplied.

The terminal 200 of the purchasing company can transmit the information of the receivable issued in the contract with the sales company to the bank server 100 and register the information. The information on the trade receivable can be, for example, a sales receipt certificate or purchase history information according to a contract with a sales company. The purchasing company can transmit the receipt information to the bank server 100 using the Internet banking provided by the bank server 100.

The terminal 200 of the sales company can transmit the issued tax invoice information to the bank server 100 and register it. The terminal 200 of the sales company can transmit the tax invoice information to the bank server 100 using the Internet banking provided by the bank server 100. [

In addition, the terminal 200 of the sales company can send a purchase request to the bank server 100 for the issued merchandise to be sold. The terminal 200 of the sales company can transmit the purchase request using the Internet banking provided by the bank server 100.

When the bank server 100 receives the purchase request from the terminal 200 of the sales company, the bank server 100 can confirm the receipt information and the tax invoice information. The bank server 100 can request the sales receipt information or the tax invoice information information to the terminal 300 of the purchasing company or the terminal 200 of the sales company if the receivables information and the tax invoice information are not confirmed.

The bank server 100 may receive the approval of sale of the receivable requested for purchase by transmitting a tax statement and a request to approve the sale of the receivable to the purchasing company's terminal 300 after confirming the receivable information and the tax invoice information .

The bank server 100 may purchase the trade receivable if the amount of the receivable in the approved sales receivable does not exceed the pre-set purchase limit of the sales company and does not exceed the pre-set issuance limit of the purchasing company. Specifically, the bank server 100 can purchase the trade receivable by depositing the purchase price for the trade receivable in the designated account of the registered sales company.

1B shows a system 11 including a bank server 100 for purchasing trade receivables of a sales company according to another embodiment of the present invention.

In Fig. 1B, the same contents as in Fig. 1A can be omitted.

Referring to FIG. 1B, the bank server 100 may determine a purchase limit for a registered sales company, and may determine whether to purchase the receipt of the purchase receipt according to the determined purchase limit. Specifically, the bank server 100 may purchase the trade receivable if the amount of the receivable received the purchase request is less than the determined purchase limit and the limit of issuance.

The purchase limit for a sales company is the total limit that a registered sales company can request to purchase a trade receivable from a bank, which can be determined differently depending on the creditworthiness and sales scale of the sales company. In addition, the purchase limit for the sales company may be determined differently based on a predetermined condition for the predetermined sales company or the scale of the required operation money of the sales company, or the like.

Specifically, the terminal 200 of the purchasing company can transmit and register the information of the accounts receivable issued in the contract with the sales company to the bank server 100, and the terminal 200 of the sales company can receive the tax invoice information And the purchase request for the trade receivable to the bank server 100 for registration.

When the bank server 100 receives the purchase request from the terminal 200 of the sales company, the bank server 100 can confirm the receipt information and the tax invoice information. The bank server 100 can request the sales receipt information or the tax invoice information information to the terminal 300 of the purchasing company or the terminal 200 of the sales company if the receivables information and the tax invoice information are not confirmed.

The bank server 100 may receive the approval of sale of the receivable requested for purchase by transmitting a tax statement and a request to approve the sale of the receivable to the purchasing company's terminal 300 after confirming the receivable information and the tax invoice information .

The bank server 100 may decide to purchase the trade receivable if the amount of the receivable for which the sale is approved does not exceed the purchase limit of the predetermined sales company. Specifically, the bank server 100 can purchase the trade receivable by depositing the purchase price for the trade receivable in the designated account of the registered sales company.

FIG. 2 shows a process of entering a trade receivable factoring contract to execute the method of purchasing trade receivables in FIG. 1A or FIG. 1B.

The bank may enter into accounts receivable factoring contracts with one sales company and multiple purchasing companies. The bank may conclude a trade receivable factoring contract using the Internet banking provided by the bank server 100.

The accounts receivable factoring contract may include a loan agreement between a bank and a sales company, a comprehensive bond transfer contract, a purchase agreement between a bank and a purchasing company, and a consent for transfer of a comprehensive bond. The contract for setting up the receivables factoring establishes the limit of purchase to the sales company and the limit of issuance to the purchasing company so that not only the purchase of the already issued accounts receivable but also the sales to be issued by the goods and service supply contract It may also include purchases of bonds.

The bank may conclude loan agreements and comprehensive bond transfer agreements with sales companies, and may also accept consignments of multiple purchasing companies and purchase contracts and comprehensive bonds. The bank can conclude the contract using the Internet banking provided by the bank server 100, and can register the sales company to which the contract is concluded and a plurality of purchasing companies.

The bank server 100 registers the sales companies and the purchase companies, determines the purchase limit for the sales companies and the issuance limits for the respective purchase companies, and registers them together.

The bank server 100 receives the information on the sales company and can evaluate the creditworthiness and the sales scale of the sales company and can determine the purchase limit for the sales company using the information.

Also, the bank server 100 can receive the information on the purchasing company, evaluate the creditworthiness of the purchasing company, and use it to determine the purchase limit for the purchasing company. In addition, the bank server 100 may determine the respective issuance limits for a plurality of purchasing companies so that the total sum of the respective issuing limits for the plurality of purchasing companies is limited to the purchase limit for the sales company.

The bank server 100 may receive information on the sales company and the purchasing company from the server of the sales company or the server or terminal of the terminal and the purchasing company, or may receive the information from the server of the external credit rating agency.

The bank server 100 can determine whether the creditworthiness of the purchasing company is equal to or higher than a predetermined grade and decide whether to conclude a contract for the receivable factoring, It is possible to decide whether or not to conclude.

In addition, the bank server 100 may determine the contract term of the accounts receivable factoring contract when concluding the accounts receivable factoring contract.

In addition, the bank server 100 may determine the terms of the purchase limit contract when concluding the accounts receivable factoring contract. A contract term is a period in which the determined purchase limit is maintained. For example, the commitment term can be a period not exceeding one year, and can be extended.

In addition, the bank server 100 may determine the issuance limit period when concluding the accounts receivable factoring contract. An issuance commitment period is a period during which the determined issuance limit is maintained. For example, the issuance commitment period may be a period within one year, which can be extended.

In addition, the bank server 100 may set conditions for accounts receivable that can be purchased when concluding a accounts receivable factoring contract. For example, a condition for a trade receivable can be a condition for the expiration date of a trade receivable. The bank server 100 can set the condition as a trade receivable in which a tax invoice is issued and a trade receivable having a period of 90 days or less from the issue date to the expiration date.

In addition, the bank server 100 can determine the interest rate to be applied when purchasing accounts receivable when concluding a accounts receivable factoring contract. The bank server 100 can determine the applicable interest rate using information on the purchasing company. For example, the applicable interest rate may include market interest rateable internal interest rates and purchasing company specific interest rates.

At this time, the bank server 100 may determine the purchase interest rate for each purchasing company differently for each purchasing company using the information about the purchasing company. The bank server 100 can calculate the expected default rate of the purchasing company using the information on the purchasing company and determine the added rate of each company based on the estimated default rate.

FIG. 3 is a flowchart of a method of purchasing a sales receipt of a sales company performed by the bank server 100 of FIG. 1A or 1B.

In step 310, the bank server 100 may determine the purchase limit for the sales company. The bank server 100 may determine the purchase limit for the sales corporation at the time of entering into the accounts receivable factoring contract or may decide when a purchase request for the accounts receivable is received from the sales corporation.

The purchase limit for a sales company is the total limit that a registered sales company can request to purchase a trade receivable from a bank, which can be determined differently depending on the creditworthiness and sales scale of the sales company. In addition, the purchase limit for the sales company may be determined differently based on a predetermined condition for the predetermined sales company or the scale of the required operation money of the sales company, or the like. The purchase limit for a sales company may be a limit that includes the amount of receivables of different accounts receivables that differ from the purchasing company.

In addition, the bank server 100 may determine the issuance limit for each of the plurality of purchasing companies. The issuance limit for the purchasing company is a total limit on which the registered purchasing company can approve the sale of the receivable. The bank server 100 can determine the issuance limit using the credit for each of the purchasing companies.

The bank server 100 can determine the first limit of the purchasing company based on the creditworthiness of the purchasing company and determine the issuance limit of the purchasing company below the determined first limit. The first limit of the purchasing company may be a limit that is a driver's license indicating a predetermined loan or credit limit set for the same natural person or corporation.

The bank server 100 can determine the issuance limit for each of the purchasing companies so that the total sum of the issuing limits for each of the purchasing companies does not exceed the purchasing limit of the selling company. Alternatively, when the issuance limit for each of the plurality of purchasing companies is determined, the bank server 100 can determine the purchase limit of the selling company so that the total sum of the issuing limits for each of the purchasing companies does not exceed the purchasing limit of the selling company.

Also, the bank server 100 can determine the issuance limit for the purchasing company with reference to a predetermined criterion. For example, the bank server 100 determines the issuance limit for the purchasing company within 1/4 of the past one year's sales, within the recent three months' sales, or within three times the recent one month's sales by the recent profit and loss statement of the purchasing company .

In step 320, the bank server 100 may receive information on accounts receivable issued by the purchasing company's terminal 300 according to the goods and service contract. The information on the trade receivable can be, for example, a sales receipt certificate or purchase history information according to a contract with a sales company. The receivables information may include information such as the number of the sales company, the amount of the receivable, the date of payment, and the number of the receivable.

The bank server 100 can receive information on accounts receivable from the terminal 300 of the purchasing company using the Internet banking provided by the bank server 100.

Specifically, the terminal 300 of the purchasing company can access the bank server 100 using the Internet banking provided by the bank server 100. The terminal 300 of the purchasing company can securely access the bank server 100 using the identification information provided when the purchasing company is registered in the bank server 100 and can use the Internet banking to transmit the information of the receipt to the bank server 100 100).

In step 330, the bank server 100 may receive tax invoice information on goods and service contracts and purchase requests for sales receipts from the terminal 200 of the sales company.

The bank server 100 may receive the invoice information and the invoice request from the terminal 200 of the sales company using the Internet banking provided by the bank server 100. [

Specifically, the terminal 200 of the sales company 200 can access the bank server 100 using the Internet banking provided by the bank server 100. It is possible to securely connect to the bank server 100 by using the identification information provided when the sales company is registered in the bank server 100 of the sales company terminal 200 of the sales company 200 and to transmit the tax invoice information and the purchase request to the bank server 100 using the Internet banking, (100).

Steps 320 and 330 may be performed in parallel, and may be performed in various orders without being limited to the described order.

For example, the bank server 100 receiving the purchase request for the sales receipt from the terminal 200 of the sales company can request and receive the information on the receivables and the bill statement information if they have not yet been received. That is, the bank server 100 may request and receive information on accounts receivable from the terminal 300 of the purchasing company, and may request and receive tax invoice information from the terminal 200 of the sales company. For example, the bank server 100 may send a request for information on accounts receivable or a request for tax invoice information to an account of a purchasing company or an account of a selling company, respectively, using Internet banking.

In step 340, the bank server 100 transmits the received tax invoice information to the purchasing company's terminal 300, and receives the sale approval from the purchasing company.

The bank server 100 can confirm the information of the received tax invoice and the receivable and can transmit the tax invoice information to the terminal 300 of the purchasing company when the information of the tax invoice and the receivable is confirmed. Specifically, the bank server 100 may transmit the tax invoice information to the account of the purchasing company using the Internet banking. The bank server 100 may transmit the sale approval request together using the Internet banking.

The terminal 300 of the purchasing company that receives the sale approval request through the Internet banking can confirm the tax invoice information and can transfer the sale approval to the bank server 100 through the Internet banking.

In step 350, the bank server 100 may purchase the trade receivable if the amount of the receivable does not exceed the purchase limit for the sales corporation.

The bank server 100 may determine whether to purchase the trade receivable when the sale approval is received from the purchasing company's terminal 300 through the Internet banking.

The bank server 100 may decide to purchase the accounts receivable if the receivable amount of the receivable does not exceed the purchase limit for the sales company and does not exceed the issuance limit for the purchaser.

Specifically, if there is a plurality of accounts receivable, the bank server 100 may calculate the remaining purchase limit by excluding the amount of accounts receivable sold by the selling company in the purchase limit for the sales company. The plurality of trade receivables may refer to trade receivables for sales companies issued by a plurality of different purchasing companies.

The bank server 100 can determine whether the receivable amount of the receivable subject to the purchase decision exceeds the calculated remaining purchase amount limit or can decide to purchase the trade receivable amount if the amount does not exceed the calculated remaining purchase amount limit.

In addition, the bank server 100 may calculate the remaining issuance limit by excluding the amount of the accounts receivable sold from the plurality of accounts receivable issued by the purchasing company from the issuance limit for the purchasing company. The bank server 100 may determine whether the bond amount of the corresponding trade receivable exceeds the calculated remaining issuance limit and may decide to purchase the trade receivable if it does not exceed.

The bank server 100 may decide not to purchase the trade receivable and send a non-purchasing notification to the sales enterprise if the receivable amount of the receivable exceeds the remaining purchase limit or exceeds the remaining issuance limit. The bank server 100 can transmit the non-purchasing notification to the account of the selling company through the Internet banking.

If it is decided to purchase the accounts receivable of the bank server (100), the accounts receivable can be purchased by depositing the purchase price of the accounts receivable to the designated account of the registered sales company. The bank server 100 can deposit the purchase price for the sales receipt in the designated account of the sales company using the Internet banking and can transmit the purchase success notice to the terminal 200 of the sales company.

FIG. 4 illustrates an example of an Internet banking screen 400 provided in the bank server 100 of FIG. 1A or 1B.

Referring to FIG. 4, an Internet banking screen 400 including a purchase list of accounts receivable appears.

The bank server 100 may provide the Internet banking screen 400 shown in FIG. 4 to the terminal 200 of the registered sales company.

For example, the terminal 200 of the sales company A can access the bank server 100 and display the internet banking screen 400 using the identification information provided when the terminal 200 is registered in the bank server 100.

The screen 400 may display the information 410 of the sales company A. In addition, the screen 400 may display the purchase limit 420 and the remaining purchase limit 430 determined by the bank server 100.

In addition, the screen 400 may display the receipt list 440 of the company A, which is a sales company. The Accounts Receivable List (440) may be a list that includes accounts receivable that have already been purchased and accounts receivable that have not been purchased. For example, the non-purchased trade receivable may include a trade receipt in which a purchase request is received from the terminal 200 of the sales enterprise or a receivable in which the receipt information is received from the terminal 300 of the purchasing enterprise.

For example, the trade receivable list 440 may include information about the first trade receivable 441, information about the second trade receivable 442, and information about the third trade receivable 443.

The first trade receivable 441 may represent the previously purchased trade receivable issued by entity B. The second sales receipt 442 is a sales receipt issued by the company B and the receipt information is received from the terminal 300 of the company B and the purchase request is received from the terminal 200 of the company A, May be a trade receivable that has not received an approval for sale from. In addition, the third trade receivable 443 may be a trade receipt issued by a company C, which is a receivable in a state where the information of the receivable from the terminal of the company C is received but the purchase request has not yet been received from the company A.

The receipt list 440 can display the purchasing company for each receivable and can display the information of the receivable received from the terminal 300 of the purchasing company. For example, the receipt list 440 can display the receipt date when the receipt information is received from the terminal 300 of the purchasing company. The manager of the sales company can confirm the information of the account receivable registered in the company B by clicking the displayed date using the Internet banking through the terminal 200 of the sales company.

In addition, the receivables list 440 may further display the receivable-due date information of the trade receivables.

Also, the receivables list 440 may indicate the receipt date when a receipt request is received for each receivable. The manager of the sales company clicks the purchase request column by using the Internet banking through the terminal 200 of the sales company for the bond that has not yet requested the purchase such as the third sales receipt 443 to send the purchase request to the bank server 100 ).

In addition, the receipt list 440 can display the receipt date when the sale approval of the receivables is received from the terminal 300 of the purchasing company. The manager of the sales company can confirm the sale approval date and approval date through the sales receipt list (440).

Also, the sales receipt list 440 can provide the issuance limit information to the sales company by displaying the issuance limit for each purchasing company.

Also, the trade receivable list (440) may indicate whether or not the purchase receipt of each trade receivable has been completed.

FIG. 5 shows another example of the Internet banking screen 500 provided in the bank server 100 of FIG. 1A or 1B.

Referring to FIG. 5, an Internet banking screen 500 including a purchase list of accounts receivable appears. The same contents as the Internet banking screen 400 of FIG. 5 may be omitted.

The bank server 100 may provide the Internet banking screen 500 shown in FIG. 5 to the terminal 300 of the registered purchasing company. If there are a plurality of registered purchasing companies, the bank server 100 may provide a screen corresponding to the account of the purchasing company to the terminal 300 of each purchasing company.

For example, the terminal 300 of the company B as the purchasing company can access the bank server 100 and display the internet banking screen 500 using the identification information provided when the terminal 300 is registered in the bank server 100.

The screen 500 may display the information 510 of the company B as a purchasing company. Also, the screen 500 can display the sales company item 510. According to the sales company displayed in the sales company item 510, the screen 500 may display a list 550 of the sales receivables for the sales company. For example, if Company A is displayed in the Sales Company Item 510, the screen 500 may display a list 550 of receivables for Company A issued by Company B.

The manager of the purchasing company B can receive a list of accounts receivable for other companies issued by the company B by selecting another company in the sales company item 510 using the Internet banking through the terminal 300. [

In addition, the screen 500 may display an issuance limit 530 and a remaining issuance limit 430 for a company B, which is a purchasing company determined by the bank server 100. [

Also, the screen 500 can display the receipt list 550 of the company A issued by the company B, which is the purchasing company.

The sales receipt list 550 can display the sales companies for each of the receivables and can display the purchase requests received from the terminal 200 of the sales company. For example, the receipt list 550 can display the receipt date when the receipt request is received from the terminal 200 of the sales company. The administrator of the sales company can check the tax invoice information registered by the company A by clicking the displayed date through the Internet banking.

The terminal 300 of the company B as the purchasing company can confirm the tax invoice information and transmit the sale approval to the bank server 100. For example, the manager of company B may send approval of sale by clicking on the sale approval field displayed on the receipt list 550 through terminal 300. [

Also, the sales receipt list 550 can provide the purchase limit information to the sales company by displaying the purchase limit for the sales company A, the company.

In addition, the trade receivable list 550 may indicate whether or not the purchase receipt of each trade receivable has been completed.

FIG. 6 is a diagram for explaining a process of determining a interest rate to be applied when purchasing a trade receivable in the method of purchasing a trade receipt in FIG.

The bank server 100 can determine an interest rate to be applied when buying a trade receivable. For example, the bank server 100 may determine the applicable interest rate when concluding the accounts receivable factoring contract. The bank server 100 can determine the applicable interest rate using information on the purchasing company. For example, the applicable interest rate may include market interest rateable internal interest rates and purchasing company specific interest rates.

Referring to FIG. 6, an example of a list of applicable interest rates calculated according to a credit rating of a purchasing company determined by the bank server 100 is shown. The bank server 100 can evaluate the credit rating of the purchasing company and determine the applicable interest rate based on the rating.

Specifically, the bank server 100 can calculate an internal interest rate for each period in which the market can fluctuate considering the internal transfer interest rate, the education tax rate, and the credit spread. The bank server 100 may determine the education tax and credit spread differently according to the credit rating of the evaluated purchasing company. Also, the bank server 100 may determine the additional interest rate for each purchase company differently according to the credit rating of the evaluated purchasing company. For example, the higher the creditworthiness of the purchasing company, the lower the added interest rate can be determined.

The bank server 100 may determine an applicable interest rate including an internal interest rate for each period of market fluctuation and a purchase interest rate per purchasing company.

The bank server 100 may apply the applicable interest rate per purchasing company for a predetermined contract period, and may determine the applicable interest rate again if the contract period is extended.

FIG. 7 is a diagram for explaining a method of purchasing a sales receipt of a sales company performed by the bank server 100 of FIG. 1A or 1B.

In order to purchase a plurality of trade receivables of a sales company issued by a plurality of purchasing companies, the bank server 100 may use the Internet banking provided by the bank server 100, And can transmit the registered information to the terminal 200 of the sales company and the terminal 300 of the plurality of purchasing companies.

Specifically, in step 705, the bank server 100 may determine the purchase limit for the sales company and the issuance limit for each of the plurality of purchase companies.

The bank server 100 may determine the purchase limit for the sales company and the issuance limit for each of the plurality of purchasing companies at the time of concluding the accounts receivable factoring contract or the purchase request for the accounts receivable from the terminal 200 of the sales company It can also be determined if it is received.

The bank server 100 can acquire information on the sales company, evaluate the creditworthiness of the sales company, and determine the purchase limit for the sales company based on the creditworthiness. In addition, when the issuance limit for each of the plurality of purchasing companies is determined, the bank server 100 can determine the purchase limit of the selling company so that the total sum of the issuing limits for each of the purchasing companies does not exceed the purchasing limit of the selling company.

The bank server 100 can acquire information on a plurality of purchasing companies to evaluate the creditworthiness of each of the purchasing companies and can determine the issuing limit for the purchasing company based on the creditworthiness. The bank server 100 may determine the issuance limit differently for a plurality of purchasing companies. Also, the bank server 100 can determine the issuance limit for each of the purchasing companies so that the total sum of the issuance limits for each of the purchasing companies does not exceed the purchasing limit of the sales company.

Also, the bank server 100 can determine the issuance limit for the purchasing company with reference to a predetermined criterion.

The bank server 100 may store the purchase limit for the determined sales company and the issuance limit for each of the plurality of purchase companies.

In operation 710, the bank server 100 may receive information on accounts receivable from the terminal 300 of the purchasing company. The information on the trade receivable can be, for example, a sales receipt certificate or purchase history information according to a contract with a sales company. The receivables information may include information such as the number of the sales company, the amount of the receivable, the date of payment, and the number of the receivable.

In step 715, the bank server 100 may register information on the received trade receivable. The manager of the purchasing company and the manager of the sales company browse and confirm the information of the registered accounts receivable using the Internet banking provided by the bank server 100 through the terminal 300 of the purchasing company and the terminal 200 of the sales company Can

In step 720, the bank server 100 may receive the tax invoice information and the purchase request from the terminal 200 of the sales company. The bank server 100 can receive the invoice information and the invoice request using the Internet banking.

In step 725, the bank server 100 may register the received tax invoice information and the purchase request. The administrator of the purchasing company and the manager of the sales company can view and confirm the registered tax invoice information by using the Internet banking provided by the bank server 100.

In step 730, the bank server 100 may transmit a sale approval request to the purchasing company terminal 300 when the purchase request is received. The bank server 100 may transmit the purchase approval request using the Internet banking.

In step 735, the bank server 100 may receive a sale approval. For example, if the terminal 300 of the purchasing company receiving the sale reception request transmits a sale approval, the bank server 100 may receive the sale approval.

In step 740, the bank server 100 may determine whether to purchase the trade receivable. For example, the bank server 100 may decide to purchase a trade receivable if the receivable amount of the trade receivable does not exceed the purchase limit for the determined sales company. Alternatively, the bank server 100 may decide to purchase the accounts receivable if the receivable amount of the receivable does not exceed the purchase limit for the sales company and does not exceed the issuance limit for the purchaser.

Specifically, if there is a plurality of accounts receivable, the bank server 100 may calculate the remaining purchase limit by excluding the amount of accounts receivable sold by the selling company in the purchase limit for the sales company. The plurality of trade receivables may refer to trade receivables for sales companies issued by a plurality of different purchasing companies.

The bank server 100 can determine whether the receivable amount of the receivable subject to the purchase decision exceeds the calculated remaining purchase amount limit or can decide to purchase the trade receivable amount if the amount does not exceed the calculated remaining purchase amount limit.

In addition, the bank server 100 may calculate the remaining issuance limit by excluding the amount of the accounts receivable sold from the plurality of accounts receivable issued by the purchasing company from the issuance limit for the purchasing company. The bank server 100 may determine whether the bond amount of the corresponding trade receivable exceeds the calculated remaining issuance limit and may decide to purchase the trade receivable if it does not exceed.

In step 745, if the bank server 100 decides to purchase the trade receivable, it can purchase the trade receivable. The bank server 100 can purchase the accounts receivable by depositing the purchase proceeds for the accounts receivable to a designated account of the registered sales company using the Internet banking.

In steps 750 and 755, the bank server 100 may transmit a notification of whether or not the sales receipt is purchased to the sales enterprise terminal 200 and the purchasing enterprise terminal 300 through Internet banking. For example, the bank server 100 may transmit a non-purchasing notification of a receivable or a purchase success notification.

FIG. 8 is a block diagram showing the hardware configuration of the bank server 100 of FIG. 1A or 1B.

Referring to FIG. 8, the bank server 100 may include a communication unit 110, a storage unit 120, and a controller 130.

The communication unit 110 is a configuration for the bank server 100 to transmit and receive information to and from an external device such as a server of an external company.

For example, the communication unit 110 may transmit and receive information transmitted through the Internet banking provided by the bank server 100.

Specifically, the communication unit 110 can receive information on a sales company, which is information for evaluating the creditworthiness of a company, and information on a plurality of purchasing companies. The communication unit 110 may receive information on the sales company and the purchasing company from the server of the sales company or terminal 200 or the server or terminal 300 of the purchasing company or receive information from the server of the external credit evaluation institution It is possible.

Also, the communication unit 110 can receive the information of the sales receipt from the terminal 300 of the purchasing company. Also, the communication unit 110 can receive the tax invoice information of the sales receipt from the terminal 200 of the sales company. In addition, the communication unit 110 can receive the purchase request for the sales receipt from the sales terminal 200 of the sales company. When the purchase request is received, the communication unit 110 transmits the tax invoice information and the sale approval request to the terminal 300 of the purchasing company You may receive a sale approval.

In addition, the communication unit 110 may notify the sales terminal 200 of the sales company and the terminal 300 of the purchasing company of the successful purchase of the sales receipt.

The storage unit 120 is a structure for storing information necessary for executing a method of purchasing a trade receivable.

The storage unit 120 may store information on a registered sales company and a plurality of purchasing companies by entering a sales receipt factoring contract.

In addition, the storage unit 120 may store information on receivable receivable information, tax invoice information, purchase requisition information, and sale approval information for the receivables.

Also, the storage unit 120 may store the purchase limit for the determined sales company and the issuance limit for the purchasing companies.

Also, the storage unit 120 may store the designated account information for the registered sales company.

The controller 130 controls the overall operation of the bank server 100, and may have the same configuration as the CPU.

The control unit 130 can evaluate the creditworthiness of the sales company and the creditworthiness of the purchasing company using the information of the sales company and the information of the purchasing company.

The control unit 130 can determine the purchase limit of the sales receivable to the sales company based on the creditworthiness of the evaluated sales company. The purchase limit for a sales company is a total limit to which a registered sales company can request a purchase of a trade receivable to the bank. The control unit 130 determines a purchase limit for the sales company based on the creditworthiness of the sales company and the sales scale . In addition, when the issuance limit for each of the plurality of purchasing companies is determined, the control unit 130 can determine the purchase limit of the selling company so that the total sum of the issuing limits for each of the purchasing companies does not exceed the purchasing limit of the selling company.

In addition, the purchase limit for the sales company may be determined differently based on a predetermined condition for the predetermined sales company or the scale of the required operation money of the sales company, or the like. The purchase limit for a sales company may be a limit that includes the amount of receivables of different accounts receivables that differ from the purchasing company.

The control unit 130 can determine an issuance limit for each of the plurality of purchasing companies based on the creditworthiness of the evaluated purchasing companies. The issuance limit for the purchasing company is a total limit to which the registered purchasing company can approve the sale of the receivables, and the control unit 130 can determine the issuance limit using the credit for each of the purchasing companies.

In addition, the control unit 130 can determine the issuance limit for each of the purchasing companies so that the total sum of the issuing limits for each of the purchasing companies does not exceed the purchasing limit of the selling company.

In addition, the control unit 130 can determine whether to enter a sales receipt factoring contract with the sales company and a plurality of purchasing companies using the evaluated creditworthiness.

In addition, the control unit 130 may determine the contract term of the accounts receivable factoring contract when concluding the accounts receivable factoring contract.

In addition, the control unit 130 can determine the purchase commitment period when concluding the accounts receivable factoring contract. A contract term is a period in which the determined purchase limit is maintained. For example, the commitment term can be a period not exceeding one year, and can be extended.

In addition, the control unit 130 can determine the issuance limit period when concluding the accounts receivable factoring contract. An issuance commitment period is a period during which the determined issuance limit is maintained. For example, the issuance commitment period may be a period within one year, which can be extended.

In addition, the control unit 130 may set a condition for a trade receivable that can be purchased when concluding a receivable factoring contract. For example, a condition for a trade receivable can be a condition for the expiration date of a trade receivable. The control unit 130 may set the condition as a trade receivable in which a tax bill is issued and a trade receivable having a period of 90 days or less from the issue date to the expiration date.

Also, the control unit 130 may determine the interest rate to be applied when purchasing the trade receivable when concluding the contract for the receivable factoring. The control unit 130 can determine the applicable interest rate using information on the purchasing company. For example, the applicable interest rate may include market interest rateable internal interest rates and purchasing company specific interest rates.

When the purchase request is received from the sales terminal 200 of the sales company, the control unit 130 can determine whether all the information necessary for purchasing the receivables is registered and request the information necessary for the purchase. For example, the control unit 130 may control the communication unit 110 to transmit a request for the information of the sales receipt to the purchaser terminal 300 if the receipt information is not registered. In addition, the control unit 130 may control the communication unit 110 to transmit the request for the tax invoice information to the terminal 200 of the sales company when the tax invoice information is not registered.

The control unit 130 may also control the communication unit 110 to transmit the tax calculation information and the sale approval request to the terminal 300 of the purchasing company when the purchase request is received from the terminal 200 of the sales company.

The control unit 130 can determine whether or not to purchase the trade receivable when the sale approval is received from the terminal 300 of the purchasing company.

For example, the control unit 130 may decide to purchase the trade receivable if the amount of the receivable does not exceed the purchase limit for the determined sales company. Alternatively, the control unit 130 may decide to purchase the trade receivable if the amount of the receivable does not exceed the purchase limit for the purchaser and does not exceed the purchase limit for the sales corporation.

Specifically, if there are a plurality of accounts receivable, the controller 130 may calculate the remaining purchase limit by excluding the amount of the accounts receivable sold by the selling company in the purchase limit for the sales company. The plurality of trade receivables may refer to trade receivables for sales companies issued by a plurality of different purchasing companies.

The control unit 130 may determine whether the amount of the receivable in the receivable subject to purchase is greater than the calculated remaining purchase limit, and if not, the control unit 130 may decide to purchase the receivable.

Also, the controller 130 may calculate the remaining issuance limit by excluding the amount of the sales receivable that has already been sold among the plurality of accounts receivable issued by the purchasing company, from the issuance limit for the purchasing company. The control unit 130 may determine whether the amount of the receivable in question exceeds the calculated remaining amount of the issuance, and if not, determine to purchase the trade receivable.

If the control unit 130 determines to purchase the accounts receivable, the control unit 130 can control to deposit the purchase receipts for the accounts receivable to the designated account of the registered sales company.

FIG. 9A is a block diagram showing an example of a detailed configuration of the control unit 130 of the bank server 100 of FIG.

9A, the control unit 130 of the bank server 100 includes a credit evaluation module 131, a purchase limit determination module 132, an issuance limit determination module 133, a purchase decision module 134, and an Internet banking Module 135, as shown in FIG.

The credit rating module 131 is a module for evaluating the creditworthiness of a sales company and a plurality of purchasing companies to which a sales receipt factoring contract is to be concluded. The credit rating module 131 may evaluate the creditworthiness based on the information about the sales company and the purchase company received from the outside. The credit ratings evaluated in the credit rating module 131 may be used in the purchase cap decision module 132 and the issue cap decision module 133.

The purchase limit determination module 132 is a module for determining a purchase limit for a sales company. The purchase limit determination module 132 can determine a purchase limit based on the creditworthiness of the sales company. Further, when the issuance limit for each of the plurality of purchasing companies is determined, the buying limit of the selling company can be determined so that the total sum of the issuing limits for each of the purchasing companies does not exceed the purchasing limit of the selling company.

The issuance limit determination module 133 is a module for determining the issuance limit for a plurality of purchasing companies. The issuance limit determination module 133 can determine the issuance limit for each purchasing company based on the creditworthiness of the purchasing company. The issuance limit determining module 133 can determine the issuance limit for each of the purchasing companies so that the total sum of the issuance limits for each of the purchasing companies does not exceed the purchasing limit of the selling company.

The purchase decision module 134 is a module for determining whether or not the purchase request is received for the receivable received. The purchase decision module 134 may determine whether all the necessary information for purchasing the trade receivable is registered. In addition, the purchase decision module 134 may determine whether a purchase approval for a trade receivable has been received from the purchasing company. The purchase decision module 134 can determine whether to purchase the trade receivable based on the purchase limit for the sales company determined and the issuance limit for the purchasing company.

The Internet banking module 135 provides an Internet banking service used for receiving information necessary for buying accounts receivable from the terminals 200 of the sales company and the terminals 300 of the plurality of purchasing companies in the bank server 100 . The internet banking module 135 provides the screens shown in FIGS. 4 and 5 to register information received from the terminal 200 of the sales company and the terminals 300 of the plurality of purchasing companies, And can provide a service for transmitting a purchase request and a sale acceptance.

FIG. 9B is a block diagram showing another example of the detailed configuration of the control unit 140 of the bank server 100 of FIG.

9B, the control unit 140 of the bank server 100 may include a credit rating module 141, a purchase limit determination module 142, a purchase decision module 144, and an Internet banking module 145 have.

The credit evaluation module 141 is a module for evaluating the creditworthiness of a sales company to enter into a contract of accounts receivable factoring. The credit rating module 141 may evaluate the creditworthiness based on the information on the sales company received from the outside. The credit rating evaluated in the credit rating module 141 may be used in the purchase cap determination module 142. [

The purchase limit determination module 142 is a module for determining a purchase limit for a sales company. The purchase limit determination module 142 can determine a purchase limit based on the creditworthiness of the sales company.

The purchasing decision module 144 is a module for deciding whether or not to purchase the receipt of the purchase request. The purchasing decision module 144 may determine whether all the necessary information for purchasing the trade receivable is registered. In addition, the purchase decision module 144 may determine whether a purchase approval for a trade receivable has been received from the purchasing company. The purchase decision module 144 may determine whether to purchase the trade receivable based on the purchase limit for the determined sales company.

The Internet banking module 145 provides an Internet banking service used for receiving information necessary for buying accounts receivable from the terminals 200 of the sales company and the terminals 300 of the plurality of purchasing companies in the bank server 100 . The internet banking module 145 provides the screens shown in FIGS. 4 and 5 to register the information received from the terminal 200 of the sales company and the terminal 300 of the plurality of purchasing companies, And can provide a service for transmitting a purchase request and a sale acceptance.

One embodiment of the invention may also be embodied in the form of a computer program stored in a medium for execution by a computer in combination with hardware and includes a computer readable medium having stored thereon instructions executable by a computer, But may also be implemented in the form of a medium. Computer readable media can be any available media that can be accessed by a computer and includes both volatile and nonvolatile media, removable and non-removable media. In addition, the computer-readable medium can include both computer storage media and communication media. Computer storage media includes both volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or specialized data. Communication media typically include any data transmission medium, including computer readable instructions, data structures, program modules, or special data in a modulated data signal such as a carrier wave, or special transmission mechanisms.

It will be understood by those skilled in the art that the foregoing description of the present invention is for illustrative purposes only and that those of ordinary skill in the art can readily understand that various changes and modifications may be made without departing from the spirit or essential characteristics of the present invention. will be.

Claims (12)

In a method for purchasing a sales receivable of a selling company from a bank server,
Determining a purchase limit for the sales company, the total purchase amount being indicative of a total amount the sales company can request to purchase;
Receiving information on the trade receivable issued according to a contract concluded between the purchasing company and the sales company from a terminal of the purchasing company;
Receiving tax invoice information for the contract and an invoice request for the receivable from the terminal of the sales company;
Transmitting the received tax invoice information to the terminal of the purchasing company and receiving a sale approval for the receivable from the terminal of the purchasing company; And
And depositing the purchase price for the receivables to the designated account of the sales company and purchasing the receivables when the amount of the receivables does not exceed the purchase limit for the sales company. The method according to claim 1,
And the purchasing company includes a plurality of purchasing companies that make a contract with the sales company. 3. The method of claim 2,
Further comprising the step of determining an issuance limit for the purchasing company indicating a limit to which the purchasing company can issue the receivable,
The step of purchasing the trade receivable includes:
And when the receivable amount of the trade receivable does not exceed the issuance limit for the determined purchasing company, the receivable is purchased. The method of claim 3,
Wherein determining the issue limit comprises:
Wherein the issuance limit is determined so that the total sum of the respective issuance limits for the plurality of purchasing companies is equal to or less than the purchase limit for the sales company. The method of claim 3,
Wherein determining the issue limit comprises:
Obtaining a credit rating of the purchasing company; And
And determining an issuance limit of the purchasing company below a first limit of the purchasing company determined based on the obtained creditworthiness. The method according to claim 1,
Wherein the step of determining the purchase limit comprises:
Obtaining a credit rating and a sales scale of the sales company; And
And determining a purchase limit for the sales company based on the obtained credit rating and sales scale. The method according to claim 1,
The bank server,
And transmits and receives data to and from the terminal of the sales company and the terminal of the purchasing company using Internet banking or mobile banking provided by the bank server. A method for determining a purchase limit for a sales company that requests purchase of a plurality of trade receivables from a bank server,
Acquiring information on the sales company and information on a plurality of purchasing companies purchasing goods or services from the sales company;
Evaluating creditworthiness and sales scale of the sales company using the obtained information; And
Determining a purchase limit for the sales company using the evaluated credit rating and the sales scale,
Wherein the bank server receives an invoice request for the plurality of accounts receivable from the terminal of the sales company within the purchase limit for the determined sales company. 9. The method of claim 8,
Evaluating a creditworthiness of the plurality of purchasing companies using the obtained information;
Further comprising the step of determining an issuance limit of accounts receivable for each of the plurality of purchasing companies using the evaluated credit rating,
Wherein the step of determining the purchase limit for the sales company comprises:
And the purchase limit is determined so that the total sum of the issued limits for each of the determined purchasing companies is less than or equal to the purchase limit. A computer-readable recording medium having recorded thereon a program for causing a computer to execute the method according to any one of claims 1 to 9. A bank server for purchasing a sales receipt of a sales company,
Receiving information of the receivable issued from the terminal of the purchasing company according to a contract concluded between the purchasing company and the sales company,
Receiving the invoice request for the sales receipt and the tax invoice information for the contract from the terminal of the sales company,
A communication unit for transmitting the received tax invoice information to a terminal of the purchasing company and receiving a sale approval for the receivables from the terminal of the purchasing company; And
Determines a purchase limit for the sales company, which represents a total amount the sales company can request for purchase,
And a controller for transferring the purchase price of the receivables to the designated account of the sales company and controlling the purchase of the receivables when the amount of the receivables does not exceed the purchase limit for the sales company. A bank server for determining a purchase limit for a sales company requesting purchase of a plurality of trade receivables,
A communication unit for receiving information on the sales company and information on a plurality of purchasing companies purchasing goods or services from the sales company; And
Evaluating the credit rating and sales scale of the sales company using the received information,
Determining a purchase limit for the sales company using the evaluated credit rating and the sales scale,
And a control unit for controlling the terminal to receive a purchase request for the plurality of merchandise receivables from the terminal of the sales company within the purchase limit for the determined sales company.

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