KR20170017140A - System for cargo transferring direct settlement to costs of transport and server thereof, settlement method thereof and terminal thereof - Google Patents

Abstract

The present invention relates to a system and method for charging a freight forwarding agent, a tax administration authorized information processing device for carrying out a tax authorization for the freight transportation fee charged by the article terminal, a financial institution serve system for depositing the freight transportation charge by article account, When the tax-authorized information processing apparatus confirms receipt of the tax-authorized cargo transportation charge, the cargo terminal that generates the receivables for the cargo transportation charge and the car dispatch information to the article terminal after receiving the cargo request from the cargo terminal are provided , And a carrier information processing device that operates a prepayment-based prepayment approval process to make payment for the freight transportation charge requested by the article terminal and directly deposit the corresponding advance payment in the article account via the transportation carrier And the transportation company information processing device transmits the freight transportation fee charged by the article terminal The tax collector confirms and registers the receivables generated by the shippers terminal with respect to the tax-authorized freight transportation charges, and filters the classified receivables based on only the fraudulent transactions, And the information processing apparatus, the settlement method and the terminal thereof, wherein the amount requested by the article (freight transportation charge) is a payment transaction by the transportation company, We deposit directly into the article account without passing through the carrier, and pay the article directly.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a cargo transportation system for direct payment of freight transportation, an information processing apparatus, a settlement method and a terminal thereof,

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a freight transportation system for managing freight transportation and settlement of freight transportation fees, an information processing apparatus, a payment method and a terminal thereof.

In general, the payment method of the freight transportation payment method is a payment method in which the transportation company pays the shipping charge in advance and then requests the payment paid to the shippers, rather than the payment method in which the shipping company receives the transportation charge from the shippers.

In connection with this cargo transportation settlement, the Korean Registered No. 10-0324400 (entitled "Cargo Transportation Payment System and Method Through Network"), which is based on the fare check card, is used for the cargo transportation within the balance of the account A patented technology has been developed in which payment for a cargo is made efficiently so that payment for cargo transportation can be efficiently performed.

The general freight forwarding payment method including the developed patented technology is such that when the driver requests the freight transportation fee, the freight company makes a payment and the payment is paid by the freight forwarder or the freight forwarder through the freight forwarder, It takes time to receive freight charges.

In addition, since the settlement processing is carried out on a case-by-case basis, a lot of time and effort are required for the settlement processing in the case of the shippers and the transportation companies, and unnecessary load may be generated systematically.

In addition, if the shippers do not deposit the money, there is an accident risk that may not be paid in case of paying the advance payment to the article through the carrier, but the payment of the freight transportation is performed reliably and reliably A specific example of a system in which the system is not developed has not been developed.

The present invention has been developed in order to solve the above-mentioned problems. The present invention has been developed in order to solve the above-mentioned problem, so that the amount charged by the article (cargo transportation charge) is settled in the transportation company, And to provide an information processing apparatus, a payment method, and a terminal of the freight transportation system for direct payment of cargo transportation, which enables the article to be paid immediately.

Another object of the present invention is to provide a system capable of providing a light transportation settlement system by solving the problems (for example, an increase in load of the settlement processing) caused by settlement of cargo transportation charges for each cargo transportation , A cargo transportation system for direct payment of cargo freight, an information processing apparatus, a payment method, and a terminal.

Another object of the present invention is to provide a cargo transportation system for direct payment of cargo freight, an information processing apparatus thereof, and a billing system, which can filter out fraudulent transactions, Method and terminal.

Another purpose is to reliably compensate for the risk of accidents that may not be paid when the shippers do not deposit the money, especially when the shipping company pays the article through the carrier, System, and an information processing apparatus, a payment method, and a terminal.

The other purpose is to improve the method of shipping the article to 100% cash for the current article so that the article will be paid at the earliest 20 days maximum 50 days even if the fee is paid. (Credit card company, P / G company, etc.), it is possible to find a new market for new credit card payment on the basis of the fee, A payment method, and a terminal.

To accomplish the above object, according to the present invention, there is provided a cargo transportation system for direct payment of cargo,

An article terminal for receiving car dispatch information according to a cargo request and managing the cargo transportation and charging the cargo transportation fee, a tax management authorized information processing device for carrying out the tax authorization for the cargo transportation fee charged by the article terminal, A financial institution service system for depositing money by account, a shipment terminal for requesting the shipment, confirming receipt of a shipment charge authorized by the tax management authorized information processing apparatus, A direct order to provide the vehicle dispatch information to the article terminal upon receipt of a cargo request from the shippers terminal, to perform a payment for the freight transportation charge requested by the article terminal, and to directly deposit the corresponding advance payment in the article account via the transportation company A carrier information processing device operating a prepayment-based line payment approval process The shipping company information processing device requests a taxation authorization from the taxation authority to the tax management authorization information processing device for the freight transportation fee charged by the article terminal and confirms and registers the receipt receipt for the tax-approved freight transportation fee The financial institution subsystem is requested to directly accept the advance payment based on the prepaid basis by filtering based only on the intentional transaction.

Preferably, when the shipping company information processing device sums up the freight transportation charges claimed by the article terminal by the shippers, and confirms the receivables generated for each freight transportation fee from each corresponding shippers terminal, the sum of the respective shippers And collects the collected freight transportation charges in the financial institution sub-system collectively.

The transportation company information processing device sets and registers the approval limit of the cargo transportation charge for each vehicle type, and when the cargo transportation charge is requested from the article terminal, A limit of the vehicle type is checked, and the request for the request is permitted when the limit is within the allowable limit range.

Preferably, when the payment request result of approval is received from the financial institution subsystem, the transportation company information processing apparatus reduces the approval limit of the corresponding vehicle type in real time by the corresponding amount, When the notice of transfer of the advance payment is notified from the freight transportation fee paid to the carrier's payment account, the approval limit of the corresponding vehicle type is increased in real time by the corresponding amount.

In addition, the financial institution subsystem sets and registers the approval limit of the freight transportation fee for each transporter, and when the transportation company information processing device is requested to approve the advance payment, the approval limit information of the freight transportation charge for each transporter is registered The limit of the carrier concerned is checked based on the allowable limit, and when the limit is within the limit of the allowable limit, the request for approval of the line is permitted.

Preferably, when the financial institution sub-system receives a request for approval of the advance payment from the shipping company information processing device or permits a request for approval of the advance payment, the financial institution subsystem reduces the approval limit of the corresponding carrier by the corresponding amount in real time, If the check of the freight transportation charge of the shippers is confirmed from the carrier's settlement account as a result of checking as to whether or not the freight charge of the shippers is settled in the account, it is withdrawn, and if the withdrawal is made, And the approval limit of the relevant carrier is increased in real time.

In addition, the financial institution sub-system provides a service fee to the service operator, who collects the freight transportation charges charged by the article terminal at a predetermined ratio and corresponds to the total payment service, The payment commission and the cashback to be paid to the carrier who is the service intermediary are deducted and settled for each of the financial institutions, service operators and carriers related to the relevant cargo transportation settlement service, To be deposited directly into accounts by account.

Preferably, the transportation company and the information related to the financial institution information and the line payment service are registered, and the total management of the freight transportation payment service is performed, and the transportation company fee is settled and managed. And a system operator information processing device for operating the freight transportation payment service based on the commission payment received and settled by the system operator information processing device.

The system operator information processing apparatus sets and registers the approval limit of the shippers and, when receiving the payment request result of approval from the financial institution subsystem, receives the approval request information of the shippers based on the approval limit information of the previously registered shippers Limit is checked and the settlement request result of the approval is allowed when the limit is within the range of the corresponding limit.

Preferably, the system operator information processing apparatus, when receiving a payment request result of approval from the financial institution subsystem, reduces the approval limit of the shippers in real time by the amount of money, When the notice of transfer of the advance payment is notified from the freight transportation fee paid to the settlement account of the owner, the limit of the approval of the shipper is increased in real time by the corresponding amount.

The approval limit of the shippers is characterized by being limited to the total amount of insurance receivables based on information insured for the trade receivables.

Preferably, the shipping company information processing device receives the tax invoice issued in correspondence with the freight transportation fee charged by the article terminal, issues an electronic tax invoice for each or each shippers, and sends a tax authorization request to the tax management authorized information processing device And when the shippers terminal confirms receipt of a tax-authorized electronic tax bill from the tax-management-authorized information processing device, the shippers terminal generates the receivable and transmits the receipt to the shippers information processing device, And if the receivable is a valid receivable, it requests the financial institution sub-system to approve the payment, and the approval is made.

And, the shipping company information processing device may be configured such that the advance payment approval processing is performed based on a pre-registered card associated with the financial institution or a prepaid card payment based on the prepaid electronic payment basis based approval information based on a card or an electronic settlement approval basis.

Preferably, the financial institution subsystem further comprises: a financial institution information processing device for directly depositing the advance payment of the freight transportation charge by article account; and a billing agency information processing device corresponding to the electronic settlement agency contract (P / G contract) And a credit card company directly depositing the advance payment of the freight transportation charge by the account of the account or the approval information corresponding to the electronic payment settlement agreement approval with the bank is registered and managed by the carrier information processing device and the financial institution information processing device And a P / G company information processing device for performing a cargo transportation charge / fee settlement management operation in cooperation with the P / G office information processing device.

The P / G company information processing apparatus sets and registers the approval limit of the freight transportation charge for each transporter, and when the transportation company information processing apparatus is requested to approve the freight charge, the P / The limit of the carrier concerned is checked on the basis of the limit information, and the electronic payment of the request for line payment approval is permitted when the limit of the carrier is within the limit of the approval limit.

Preferably, when the P / G company information processing apparatus receives a request to approve the line payment from the carrier information processing apparatus or permits the line payment approval request, the P / G information processing apparatus reduces the approval limit of the carrier in real time, When the shipment of the shipment from the financial institution information processing device is notified from the freight transportation fee settled in the transportation company settlement account, the approval limit of the shipment is increased by the amount corresponding to the amount of money in real time.

The system operator information processing apparatus sets and registers the approval limit of the shippers, and when the approval request payment result is received from the P / G company information processing apparatus, the system operator information processing apparatus sets the approval limit of the shippers based on the approval limit information of the previously registered shippers The limit of the shippers is checked and the result of the payment request of the approval is allowed when the limit of the shipment is within the limit of the approval limit.

Preferably, the system operator information processing apparatus, when receiving a payment request result of approval from the P / G company information processing apparatus, reduces the approval limit of the shipment by a corresponding amount in real time, When the shippers are informed of the transfer of the advance payment from the freight transportation fee paid to the carrier payment account, the approval limit of the shippers is increased in real time by the amount of money.

The approval limit of the shippers is characterized by being limited to the total amount of insurance receivables based on information insured for the trade receivables.

Preferably, when the insurance contract information of the merchandise receivable with the transportation company, the financial institution, or the P / G company is registered and managed and the shippers confirm that the advance payment has not been paid, the insurance contract information of the pre- Further comprising a credit guarantee institution information processing unit for processing the insurance money to each of the payment accounts of the transportation company, the financial institution, or the P / G company, and processing the enforcement of the counterfeit to the relevant shippers, When each of the P / G information processing apparatuses confirms that the shippers have not paid the advance payment to the settlement account, the P / G information processing apparatus receives the compensation by claiming the insurance money to the credit guarantee organ information processing apparatus.

The credit guarantee organ information processing device may further include insurance coupon payment special information for specifying the transportation company settlement account in the terms of use and paying the insurance money only to the designated account, Claims claim special information that allows the P / G company to automatically delegate the right on behalf of the carrier if the carrier has not claimed the insurance within the set date, and the P / G company prepares the freight transportation fee to the shipping company and the shippers register and manage the freight payment special information information that the transportation company's payment account is specified in the terms of use and the payment is made only to the designated account , When the corresponding information corresponding to the insurance accident is transmitted, the insurance money And the payment processing is performed.

Preferably, the P / G corporation information processing device is configured to check whether or not the carrier can claim the insurance money when the insurance information is received in response to the occurrence of the insurance accident, If the claim is not filed within the predetermined time, the claim is automatically compensated on behalf of the carrier on the basis of the insurance claim special information, and the claim is claimed by claiming the credit guarantee organ information processing device.

The carrier information processing device registers and manages the setting information so that only the unrecorded items of the registered shipper's case can be charged at the time of an insurance accident, and if the corresponding information corresponding to the insurance accident is received, Based on the information on the unrecorded billing set-up, only the unrecorded money for the registered shipper's case is claimed.

According to another aspect of the present invention, there is provided an information processing apparatus (i.e., a carrier information processing apparatus) for a cargo transportation system for direct payment of cargo freight,

The information processing apparatus according to claim 1, further comprising: a database in which cargo transportation and settlement information including at least any one or more of cargo transportation operator, car, shipment, vehicle dispatch, An application (APP) I / F (interface) for interfacing with the management terminal application; and vehicle dispatching by requesting cargo from the shippers terminal to provide vehicle dispatch information to the article terminal, And a web server for operating a prepaid approval process based on a direct prepayment for making the payment of the freight transportation fee according to the payment amount of the freight transportation fee and directly transferring the payment amount to the corresponding article account via the transportation company, Requests a tax official to charge the freight transportation fee charged by the article terminal to the tax management authorized information processing apparatus, The system is characterized in that it is characterized in that it is requested to approve the direct payment on the basis of the direct payment to the already registered financial institution subsystem by filtering based on only the intangible transactions and registering the registered receivables with respect to the gold certified cargo transportation charges .

In addition, when the web server sums up the freight transportation charges charged by the article terminal on the basis of the shippers and confirms the receivables generated for each freight transportation fee from each corresponding shippers terminal, the web server calculates the sum of the freight transportation charges To the financial institution sub-system in a lump sum.

Preferably, the web server receives a tax invoice issued in correspondence with the freight transportation fee charged by the article terminal, issues an electronic tax invoice to each taxpayer or a shippers, requests a taxpayer to the taxpecific authorized information processing apparatus, And if the receivable is a valid receivable by confirming the receivable of the cargo transportation charge generated from the cargo terminal, the credit approval is requested to the financial institution subsystem by requesting the credit approval.

When the web server registers and manages the insurance contract information of the receivable with the credit guarantee institution and confirms that the shippers have not paid the prepaid money to the settlement account, The credit insurance institution information processing device is charged with the insurance money to be compensated.

Preferably, in the event of an insurance accident, the web server registers and manages the setting information so that only the unincorporated person of the registered shipper can be charged, and if the corresponding information corresponding to the insurance accident is received and confirmed, Based on the information of the detention charge setting, only the unrecorded money of the registered vender is charged.

The web server registers and manages the approval limit of the cargo transportation charge for each vehicle type. When the cargo transportation charge is requested from the article terminal, the web server transmits the car transportation charge for the vehicle type And the billing request is permitted when the limit is within the range of the approval limit.

Preferably, when the payment request result of approval is received from the financial institution subsystem, the web server reduces the approval limit of the corresponding vehicle type in real time by the corresponding amount, When the notice of transfer of the advance payment is notified from the freight transportation fee paid to the account, the approval limit of the corresponding vehicle type is increased in real time by the corresponding amount.

According to another aspect of the present invention, there is provided an information processing apparatus (i.e., a P / G company information processing apparatus) of a cargo transportation system for direct payment of cargo freight,

In the information processing apparatus, the payment agency information corresponding to the electronic settlement agency contract (P / G contract) with the carrier and the credit card company directly depositing the advance payment of the freight transportation charge by article account or the electronic settlement agency agreement with the bank A database configured with corresponding approval information, a communication interface (I / F) for interfacing with the information processing device of the shipping company, the credit card company or the bank, and the electronic payment transaction information And a Web server for performing an electronic settlement proxy operation and a freight charge / fee settlement management operation for the advance payment of the freight charge received from the carrier in cooperation with each information processing apparatus, When the approval limit of the freight transportation charge is set and registered and managed, and when the freight transportation charge is requested to be approved from the carrier information processing device , The limit of the carrier concerned is checked based on the approval limit information of the freight transportation charges by the registered carrier, and the request is approved only when the limit is within the limit of the approval limit.

Preferably, when the web server receives a request to approve a line payment from the carrier information processing apparatus or accepts a line payment approval request, the web server reduces the approval limit of the carrier by the amount corresponding to the amount of money, The information processing apparatus of the present invention is characterized in that, when it is notified from the information processing apparatus of the shipment by the shipment of the shipment payment to the shipment settlement account, the approval limit of the shipment is increased in real time by the amount of money.

In addition, the web server may deduct the corresponding fee from the card company or the bank information processing apparatus in accordance with the service act of directly depositing the advance payment of the freight transportation fee into the account account, The service fee paid to the service operator who is the general manager of the entire freight transportation payment service based on the above-mentioned revenue fee information, and the cash back paid to the carrier who is the service intermediary are deducted by the predetermined ratio And the payment is made to the corresponding service operator and the transportation company.

Preferably, when the web server confirms receipt of the corresponding information corresponding to the occurrence of an insurance accident, the web server firstly checks whether the carrier can make the claim payment request, The claimant is automatically entrusted with the rights on behalf of the carrier on the basis of the insurance claim special information, and the insurance money is charged to the credit guarantee institution information processing device for compensation.

According to another aspect of the present invention, there is provided a payment method of a cargo transportation system (i.e., a news terminal)

The method of claim 1, further comprising the steps of: a) receiving a payment for the cargo transportation through the carrier and transferring the payment to the corresponding article account B) receiving vehicle dispatch information according to a cargo request from the transportation company information processing apparatus; c) receiving the vehicle dispatch information from the transportation company information processing apparatus, Registering the cargo information and the running history information cargo carried on the basis of the provided vehicle dispatching information, d) directly issuing a tax invoice for the cargo transportation based on the registered cargo information and the running history information, and e ) Write the above invoice and the shipment code of the freight shipment to create a prepaid shipping charge claim form, The uploading to a direct line-based prepaid payment approval process Carrier information processing apparatus, characterized by including the step of billing a cargo shipping.

According to another aspect of the present invention, there is provided a terminal for a cargo transportation system for direct payment of cargo,

The terminal includes a communication unit for communicating with a carrier information processing device of the cargo, a display unit for displaying a user interface of the terminal app, and a control unit for controlling the service operation of the app by driving the terminal app The control unit registers information on the carrier information processing device operating the direct payment approval process based on direct prepayment, which allows the direct payment of the cargo transportation to be directly transferred to the corresponding article account via the carrier, The information on the vehicle dispatch information corresponding to the cargo request from the information processing apparatus and registers the cargo information and the running history information cargo carried on the basis of the provided vehicle dispatching information, , The tax invoice issued and the relevant freight forwarding And provide the owner code, by uploading the direct line of advance payment based payment approval process of the Carrier information processing apparatus, characterized in that the charged cargo shipping.

According to another aspect of the present invention, there is provided a payment method for a freight transportation system for direct payment of cargo freight (i.e., a shippers terminal)

The method of claim 1, further comprising the steps of: (a) receiving a user request information from the portable terminal, the method comprising the steps of: B) confirming whether or not an electronic tax bill for the freight transportation fee corresponding to the cargo commissioned by the tax authority is received from the tax management authorized information processing apparatus; , c) if a receipt of the electronic tax bill for the freight transportation charge corresponding to the cargo request is confirmed as a result of the check, generating a receivable for the freight transportation charge and maintaining it if it is not confirmed, and d) And transmitting the bond to the carrier information processing apparatus.

According to another aspect of the present invention, there is provided a terminal (i.e., a shipper terminal) of a cargo transportation system for direct payment of cargo freight,

The terminal includes a communication unit for communicating with a carrier information processing device of the cargo, a display unit for displaying a user interface of the terminal app, and a control unit for controlling the service operation of the app by driving the terminal app The control unit requests a cargo to the transportation company information processing device on the basis of a cargo handling terminal app corresponding to one of the terminal apps when receiving a user request command, If it is confirmed that the electronic tax invoice for the cargo transportation charge corresponding to the cargo commission is received and that the electronic tax invoice for the cargo transportation charge corresponding to the cargo commission is confirmed, And if not confirmed, maintains the generated receivables to the carrier information processing device .

According to the present invention, the amount of money (freight transportation charge) charged by the article is paid by the transportation company, but the payment is made directly to the article account without passing through the transportation company and paid to the article immediately.

Then, the problems (for example, an increase in the load of the settlement processing) caused by settlement of the freight transportation charges for each freight is solved. That is, the shipping company collects the tax invoice requested by the article automatically by shippers, and collectively requests the card approval, thereby solving the problems caused thereby.

In addition, fraudulent operations that may occur in relation to freight transportation are blocked, and only the fraudulent transactions are filtered and paid.

In addition, if the shippers do not deposit the money, it will reliably compensate the accident risk that may not be paid in the case of paying the advance payment to the driver through the carrier, and securely manage the freight transportation.

In addition, we have improved the method of shipping the article to 100% cash for the present article so that the article will be able to receive the payment at the earliest possible time even if the fee is paid up to 50 days , And financial institutions (card companies, P / G companies, etc.), new markets for new credit card settlements will be discovered based on the fees.

1 is a view showing a configuration of a cargo transportation system for direct payment of cargo transportation charges according to the present invention;
FIG. 2 is a view showing the operation of the cargo transportation system for direct payment of freight charge according to the present invention in order;
3 is a view showing a transaction of issuing a trade receipt and accepting a card according to the present invention;
Figure 4 shows the contract and settlement flow according to the present invention
5 is a diagram illustrating the analysis of a revenue model according to the present invention;
6 is a diagram for explaining a proposal for the addition of a trade receivable insurance according to the present invention
FIG. 7 is a diagram showing a program for a smartphone (used) according to the present invention, that is, a cargo transportation management terminal app provided in an article terminal
FIG. 8 is a diagram showing a management program provided in the PC program (transportation use), that is, the transportation company information processing apparatus according to the present invention

1 is a view showing a configuration of a cargo transportation system for direct payment of cargo transportation charges according to the present invention.

As shown in FIG. 1, the system includes an article terminal 102 that receives vehicle dispatch information according to a cargo request and manages cargo transportation, and requests a freight transportation fee, a cargo transportation charge requested by the article terminal 102, A tax management authorization information processing unit 104 for carrying out tax authorization, a financial institution service system 105 and 106 for depositing the freight transfer fee by article account, 104 to the shippers terminal 101 that generates the receivables for the freight transportation charges and the car dispatcher 102 to the article terminal 102 upon receipt of the cargo request from the shippers terminal 101, Information on the sales receipt of the shippers terminal 101 is transmitted to the shippers terminal 101. The shippers terminal 101 performs the settlement of the freight transportation charges charged by the article terminal 102, Carrier operating the direct line of advance payment based payment approval process to be directly deposited into the account of those articles and the information processing apparatus includes a (103).

The article terminal 102 is a terminal (e.g., a smartphone) of a lorry engineer, receives vehicle dispatch information according to a cargo shipment request from the shippers from the shorp information processing apparatus 103, carries out transportation management, If you do, you will be charged for the freight charge. At this time, you will be asked to directly deposit the money for the cargo transportation directly to the account of the corresponding article via the carrier. For this purpose, the device information of the carrier information processing device 103 that directly carries out the advance payment based on the prepayment approval process, that is, the above-mentioned operation, that is, the advance payment of cargo transportation is directly transferred to the corresponding article account via the carrier And the advance billing process linked with the line approval process are registered in advance, and when the cargo transportation operation is completed, the freight transportation charge is charged based on the previously registered information. In doing so, it is necessary to directly deposit the money for the cargo transportation directly from the financial institution to the corresponding article account via the transportation company. Specifically, it is as follows. That is, the article terminal 102 receives the car dispatch information according to the cargo request from the transportation company information processing device 103, registers the cargo information and the running history information cargo carried on the basis of the provided vehicle dispatch information, A tax invoice is directly issued for the freight transportation based on the registered cargo information and the operation history information, and then the issued tax invoice and the shipment code of the freight transportation are written so as to prepare the prepaid transportation charge claim form, Based on the advance payment based on the advance payment based on the advance payment process of the carrier information processing apparatus 103, based on the pre-registered billing process so as to be linked with the advance payment approval process. That way, the article will be deposited directly into the account of the freight forwarder, not via the carrier. The article terminal 102 is configured as follows, for example. That is, a communication unit that communicates with the cargo carrier information processor 103 of the cargo, a display unit that displays a user interface of various terminal apps provided in the terminal, and a service unit that drives the various terminal apps, The control unit manages the forward payment process based on the direct payment process, which allows the direct payment of the cargo transportation to be directly transferred to the corresponding article account via the transportation company. Registers the information on the device 103, receives the car dispatch information according to the cargo request from the cargo information processing device 103, registers the cargo information and the running history information cargo carried on the basis of the provided car dispatch information, After directly issuing the tax invoice for the cargo transportation based on the registered cargo information and the driving history information, And a shipment code of the cargo transportation is written in the form of a prepaid shipping charge request form and uploaded to the shipping company information processing device 103 directly to the advance payment based on the prepaid approval process, .

The tax-management-authorized information processing device 104 performs taxation on the freight transportation fee charged by the article terminal 102, and uses, for example, the IRS information processing device. Specifically, the tax-management-authorized information processing device 104 receives an electronic tax invoice from the shipping company information processing device 103, that is, the tax invoice issued by the article terminal 102 in accordance with the shipping charge requested by the article terminal 102, The information processing apparatus 103 requests the tax authorization for the freight transportation fee charged from the article based on the electronic tax bill made by each or each shippers, and notifies the shipment terminal 101 of the result of the tax. Then, if the shipment terminal 101 confirms receipt of the tax-approved electronic tax invoice based on the result of the execution, for example, the shipment terminal 101 generates a receipt for the shipment of the shipment and transmits it to the shipment information processing apparatus 103 .

The financial institution serve systems 105 and 106 deposit the freight transportation charges by article account. The financial institution subsystems 105 and 106 transmit the commodity freight charge requested by the article terminal to the service provider who collectively manages the revenues corresponding to the preliminary payment operation by a predetermined ratio and the entire cargo transportation payment service, The commission paid for the service fee and the cash back paid to the carrier who is the service intermediary shall be deducted from each other to be paid to the financial institution, service operator, and carrier concerned with the relevant freight transportation payment service, and the remaining remuneration By making the direct deposit by account of the article as the freight transportation fee, this service will be operated based on the revenue fee to create a new profit model for the credit card payment new market. In addition, the financial institution sub-systems 105 and 106 set and set limits for approval of the freight transportation charges for each transporter, and when the transportation company information processing device is requested to accept the advance payment, The limit of the shipper is checked based on the approval limit information of the shipper, and when the shipper is within the limit of the approval limit, the shipper is permitted to request the shipper. In addition, when the financial institution sub system 105 or 106 receives a request to approve the advance payment from the shipping company information processing device 103 or accepts the advance payment approval request, If the confirmation of payment of the shipment freight charge of the shippers is made in the carrier's settlement account as a result of the confirmation, it is determined whether or not the shipped money is to be withdrawn from the shipment settlement account, In case of withdrawal payment, the limit of approval by the carrier is increased in real time. For example, the financial institution subsystems 105 and 106 include a P / G company information processing apparatus 105 and a card company / bank information processing apparatus 106. In other words, it registers and manages the approval information corresponding to the electronic payment settlement agreement with the card company / bank that directly deposits the settlement agency information and the advance payment corresponding to the electronic settlement agency contract (P / G contract) with the carrier A P / G information processing apparatus 105 for performing a cargo transportation / fee settlement management operation in cooperation with the carrier information processing apparatus 103, and a P / G information processing apparatus 105 interlocked with the P / And a card company / bank information processing device 106 that directly deposits the advance payment of the freight transportation charge by article account. The P / G company information processing device 105 registers and manages the approval limit of the freight transportation charge based on the scale, reliability, etc. for each transporter, and requests the transportation company information processing device 103 to approve the advance payment Based on the approved limit information of the freight charge for each freight forwarder, the limit of the carrier concerned is checked and the electronic payment for the request for approval of the freight charge is allowed if the limit is within the limit of the limit. If the P / G company information processing device 105 receives a request for approval of the advance payment from the shipping company information processing device 103 or accepts the advance payment approval request, the P / , And if the financial institution information processing device is notified of the fact that the shipper has transferred the advance payment from the freight transportation fee settled to the carrier payment account, the approval limit of the shipper is increased by the amount corresponding to the amount of money in real time . On the other hand, when the P / G company information processing device 105 confirms that the shippers have not paid the advance payment to each of the corresponding settlement accounts, the P / G company information processing device 105 claims the insurance money to the credit guarantee organ information processing device for compensation. For example, when an insurance accident occurs, the P / G company information processing apparatus 105 first confirms to the transporter information processing device 103 whether or not the transporter can claim the claim, If the carrier does not claim the insurance money within the due date, the insurance company shall automatically claim the right on behalf of the carrier and claim the insurance money to the credit insurance information processing device. This P / G information processing apparatus 105 is configured as follows. In other words, the P / G company information processing device 105 is a card company that directly deposits settlement agent information corresponding to an electronic settlement agency contract (P / G contract) with the carrier and the advance payment of freight transportation charges by article account, A communication interface (I / F) for interfacing with each of the information processing apparatuses of the shipping company information processing unit, the credit card company, or the bank; and a database And a Web server that performs an electronic settlement agency operation and a freight charge / fee settlement management operation for the advance payment of the freight transportation fee received from the carrier in cooperation with each information processing apparatus based on the settlement agency information, The web server sets and registers the approval limit of the freight transportation fee for each transporter and requests the approval of the freight transportation fee from the transporter information processing device If, based limits to check its shipping company based on the approved limit information of the registered cargo shipping transportation bereavement limits allowed if the appropriate line payment authorization requests only within its authorized limit of the range and beyond. If the web server receives a request for approval of the advance payment from the shipping company information processing device 103 or accepts the advance payment approval request, the web server reduces the approval limit of the relevant carrier by the amount corresponding to the amount of money, If the shippers are informed from the bank's information processing device that the shippers have transferred the advance payment from the freight transportation fee paid to the transporter payment account, the approval limit of the shippers will be increased in real time by the corresponding amount. In addition, the web server may be configured such that the card company or the bank information processing apparatus directly deducts the freight transportation fee corresponding to the service act of depositing the advance payment of the freight transportation fee into the account account, The service fee paid to the service operator who is the general manager of the entire freight transportation payment service based on the above-mentioned revenue fee information, and the cash back paid to the carrier who is the service intermediary are deducted by the predetermined ratio Settled and paid to the service operator and the carrier. When the web server confirms receipt of the corresponding information corresponding to the occurrence of an insurance accident, the web server firstly checks whether the carrier can claim the insurance money payment, and if the carrier determines that the carrier has not requested the insurance money , The insurance company is automatically entrusted with the rights on behalf of the carrier on the basis of the insurance claim information, and claims the insurance money to the credit guarantee organization information processing device.

When the shippers terminal 101 requests a cargo and confirms receipt of the tax-authorized cargo transportation charge by the tax-management-authorized information processing device 104, the shippers terminal 101 transmits a receipt for the cargo transportation charge (for example, (Accounts receivable and bills) generated by providing the service to the transporter information processing device 103. The transporter information processing device 103 then generates the receivables The shipment terminal 101 is configured as follows: a communication unit that communicates with the carrier information processing unit 103 of the cargo; A display unit for displaying a user interface of the terminal app; and a control unit for controlling the service operation of the app by driving the terminal app, When the input is received, a cargo request is made to the carrier information processing device 103 on the basis of the cargo request terminal app corresponding to any one of the terminal apps, and the cargo commissioned from the tax management authorized information processing device 104 If it is confirmed that the electronic tax invoice for the freight transportation charge corresponding to the freight commission has been received as a result of the checking, it generates a receivable for the freight transportation charge, And transfers the generated trade receivable to the transporter information processing device 103. [0050]

The shipping company information processing device 103 provides the vehicle dispatch information to the article terminal 102 by requesting the cargo from the shipper terminal 101 and performs the payment of the freight transportation fee charged by the article terminal 102, (A "server" in the consultation) of a direct prepayment-based prepayment process that allows you to make a direct deposit to the article account via a freight forwarder. The shipping company information processing device 103 requests the taxpayer authorized information processing device 104 for the freight transportation fee charged by the article terminal 102 and sends the taxpayer authorization information to the taxpayer authorized information processing device 104 The receivables are confirmed and registered by filtering based on only the intangible transactions, and the financial institution sub-systems 105 and 106 are requested to receive the direct prepayment-based prepayment approval. In this way, the electronic tax invoice is issued to the Internal Revenue Service and the card is approved and the payment is deposited. And, you can pay by filtering only genuine transactions. At this time, in order to facilitate and simplify the payment of the advance payment, the shipping company information processing device 103 sums up the freight transportation charges claimed by the article terminal 102 for each shipment, , It requests the financial institution subsystems 105 and 106 to collect the freight transportation charges of the respective shippers corresponding to the shippers collectively. As a practical example, the shipping company information processing device 103 receives the tax invoice issued in correspondence with the freight transportation fee charged by the article terminal 102, and issues an electronic tax invoice for each or each shippers, If the shippers terminal 101 confirms receipt of a tax-approved electronic tax bill from the tax-managed authorized information processor 104 and generates and delivers a receivable for the freight transportation charge, The transport company information processor 103 confirms the receivables generated from the shippers terminal 101 and requests the financial institution sub system 105 or 106 for the advance payment approval in the case of a valid receivable, . On the other hand, the shipping company information processing device 103 receives the advance payment of the freight transportation fee charged by the article terminal 102 from the article terminal 102 through a pre-registration (for example, a credit card company or a bank) Based on the approval information of the card or the electronic payment settlement based on the credit card or electronic payment approval basis. If the sales receipt generated from the shipper's terminal 101 is a valid receivable, the corresponding advance payment of the freight transportation fee charged from the article terminal 102 may be based on a pre-registered card- The financial institution sub-system 105 or 106 with the approval information of the financial institution. Meanwhile, the carrier information processor 103 registers and manages the limit of the cargo transportation charge by a type of vehicle (for example, 2 tons, 5 tons, 10 tons, etc.) If a charge is made for a freight charge, the limit of the car type is checked based on the limit information of the cargo freight charge of the previously registered car type, and the request for the charge is allowed if the limit is within the corresponding limit. If the settlement request result of the approval is received from the financial institution sub system 105 or 106, the carrier information processor 103 reduces the approval limit of the corresponding car type in real time by the corresponding amount, If the shipment from the financial institution sub-system 105 or 106 is notified that the shipment has been transferred from the freight transportation fee paid to the carrier's payment account, the approval limit of the corresponding vehicle type is increased in real time by the corresponding amount. For example, the transport company information processor 103 is configured as follows. (Or a shippers terminal 101) which is configured with a cargo transportation and settlement information including at least one of a freight forwarder, a freight forwarder, a cargo freight forwarder, a cargo forwarder, (APP) I / F (interface) for interfacing with the cargo transportation management terminal app provided in the navigation terminal 101, and vehicle dispatching by requesting cargo from the shipper terminal 101 to transmit vehicle dispatch information to the article terminal 102 And a direct prepaid-based line approval process in which the payment transaction of the freight transportation fee according to the cargo transportation management terminal app of the article terminal 102 is performed and the corresponding line payment is directly transferred to the corresponding article account via the transportation company And a Web server for operating the Web server. The web server requests a tax refund for the freight transportation charge requested by the article terminal 102 to the tax management authorized information processing device 104 and confirms receipt of the merchandise receipt incurred by the relevant shippers terminal 101 And then requests the financial institution sub-system 105 or 106, which has already been registered, to approve the direct prepayment-based prepayment. In addition, when the web server compiles the cargo transportation charges claimed by the article terminal 102 for each shipment and confirms the receivables for each cargo transportation charge from the corresponding shipment terminal 101, To the financial institution sub-systems 105 and 106 in a lump sum. The web server receives the tax invoice issued in correspondence with the freight transportation fee charged by the article terminal 102, and issues an electronic tax invoice for each or each shippers, and sends a tax authorization request to the tax management authorized information processing device 104 And confirms the sales receipt of the cargo transportation charge generated from the shipper terminal 101. If the receivable is a valid receivable, it requests the financial institution subsystem 105, 106 to accept the advance payment, and the approval is made. In addition, the web server registers and manages insurance contract information of the receivable with the credit guarantee institution, and when the sharer confirms that the sharer has not paid the advance payment, the web server requests the credit guarantee organ information processing device to claim insurance money You are rewarded. In addition, the web server registers and manages setting information so that the web server can only charge the unrecorded matters of the registered shipper's case at the time of an insurance accident, and when the corresponding information corresponding to the insurance accident is confirmed, Only the US will be charged for the detention of the shipper. On the other hand, the web server registers and manages the approval limit of the cargo transportation charge for each vehicle type, and when the cargo transportation charge is requested from the article terminal 102, If the limit of the vehicle type is checked, the request for the request is allowed if the limit is within the allowable limit. If the payment request result of approval is received from the financial institution sub system 105 or 106, the web server reduces the approval limit of the corresponding vehicle type in real time by the corresponding amount, , 106), when the shippers are informed of the transfer of the advance payment from the freight transportation fee paid to the carrier's payment account, the approval limit of the corresponding vehicle type is increased by the amount in real time.

(Not shown) of the credit guarantee institution registers and manages the insurance contract information of the trade receivable with the carrier or the P / G company, and when the shippers confirm that the credit is not paid in advance, the registered insurance contract information The payment is made to the payment account of the carrier or P / G company based on the payment, and the handling of the shipment is executed for the shippers. The credit guarantee organ information processing device stores the insurance premium payment information for allowing the transportation company settlement account to be specified in the terms of use and paying the insurance money only to the designated account, Claim insurance coupon information that allows the P / G company to automatically delegate the rights on behalf of the carrier in case the insurance company has not claimed the insurance within the set date, and the P / G company And the shippers register and manage the shipment charge special information information for specifying the amount of money requested by the shippers to the transportation company's settlement account in the terms of use and depositing only the designated account, If the corresponding information is transmitted at the time of an accident, .

The system operator information processing device 107 is an information processing device of the service manager who is responsible for the overall cargo transportation payment service. The system operator information processing device 107 registers and manages information related to the transportation company, financial institution information, and prepaid service, and provides corresponding service-related information to the information processing apparatus and the terminal. The system operator information processing unit 107 performs settlement management of the shipping company commission, and receives the freight transportation service from the financial institution sub system 105, 106 based on the commission fee settled to the use fee payment service fee . The system operator information processing apparatus 107 registers and manages the approval limit of the shippers and, when receiving the payment request result of approval from the financial institution sub system 105, 106, If the limit of the shippers is checked based on the limit information and the amount of the shipment is within the limit of the approval limit, the payment request result of the approval is allowed. In addition, when the system operator information processing device 107 receives the payment request result of approval from the financial institution sub system 105, 106, the system operator information processing device 107 reduces the approval limit of the shippers in real time, If the shippers are informed from the agency sub-system (105, 106) that the shippers have transferred the advance payment from the freight transportation fee paid to the carrier payment account, the approval limit of the shippers is increased in real time by the corresponding amount. At this time, the approval limit of the shippers is limited to the sum of insurance receivables based on the insured information about the trade receivables. In other words, based on information insured by credit guarantee institutions for accounts receivable, it is limited to the total amount of receivables for insured accounts so that the payment of the advance payment can be operated on the basis of stable goods flows.

2 is a view showing a payment method of a cargo transportation system for direct payment of cargo freight charges according to the present invention.

First, in the cargo transportation system for direct payment of cargo freight charges according to the present invention, the cargo information processing device provides car dispatch information from the shippers terminal to the article terminal, and the article terminal receives the car dispatch information, , And when the cargo transportation is completed, the freight forwarding charge is charged to the carrier information processing device.

In such a state, the carrier information processing apparatus requests the taxation authority to charge the freight transportation fee charged by the article terminal to the tax administration authorized information processing apparatus (for example, the National Tax Service), and the tax-authorized freight transportation fee We will register the accounts receivable for registration, and filter them based only on intangible transactions, requesting approval of prepayment-based prepayment directly to the financial institution subsystem. In other words, it requests the direct prepayment-based prepayment approval that directs the relevant advance payment directly to the corresponding article account without passing through the carrier.

Specifically, it is as follows.

That is, the shipping company information processing device receives the tax invoice issued in correspondence with the freight transportation fee charged by the article terminal, issues an electronic tax invoice for each or each shippers, and requests to report the tax attestation on the basis thereof. The tax-management-authorized information processing apparatus transmits the electronic tax invoice requested by the carrier information processing apparatus, that is, the tax invoice issued in correspondence with the freight transportation fee charged by the article terminal, Based on the electronic tax invoice, the tax officer performs taxation on the freight charge charged from the article and informs the shipment terminal of the result of the tax. Then, if the shipment terminal confirms receipt of the tax-authorized electronic tax bill based on the result of the execution, the shippers terminal generates a receipt for the freight transportation and delivers it to the carrier information processing device. In addition, the carrier information processing device checks the receivables transferred from the shippers terminal based on this, and if the receivables are valid, filters the receivables based on only the intangible transactions and prepays the advance payment based on direct payment to the financial institution subsystem Lt; / RTI > In other words, it requests the direct prepayment-based prepayment approval that directs the relevant advance payment directly to the corresponding article account without passing through the carrier.

At this time, in order to simplify and simplify the payment of the advance payment, the shipping company information processing device adds up the freight transportation charges charged by the article terminal to the shippers and confirms the receivables generated for each freight transportation fee from the corresponding shippers terminal, And collects the freight transportation charges of the respective shippers corresponding to the shippers collectively, and requests the approval of the financial institution subsystem.

Then, the shipping company information processing device determines whether the advance payment approval processing is performed based on the card approval information based on the registered card-based approval information associated with the financial institution, . If the sales receipt generated from the shippers terminal is a valid receivable, the corresponding advance payment of the freight transportation charge charged from the article terminal is transmitted to the financial institution through the card-based approval information pre- Ask the subsystem for card authorization.

Then, the financial institution subsystem processes the approval, informs the carrier information processing apparatus of the approval result, and performs settlement when the setting period has elapsed, that is, after subtracting the commission by the set rate, for example, 3.5% We deduct the commission and deposit the remaining amount of the freight transportation charge by article account directly.

At this time, the financial institution subsystem sets and registers the approval limit of the freight transportation charge by at least one of the cargo article, the car, or the carrier or the shippers, , The limit of the shipper, the article, the vehicle or the transport company is checked based on the approval limit information of the freight freight charge according to the registered shippers or articles, or the car or the carrier, Allow the request for approval of the line, and limit it if you depart.

In addition, the maximum allowable limit of the above carrier, shippers, or articles is limited to the total amount of insurance receivables based on the information insured by the credit guarantee institution for the trade receivables, and it operates stably. In other words, it enables the payment of the advance payment based on the stable flow of goods.

On the other hand, when the request for approval of the line payment is granted, the financial institution subsystem informs the carrier information processing device of the settlement request result, and if the set date has passed after the permission request is granted, Article Direct deposit by account.

At this time, the financial institution sub-system is provided with the fee for the freight transportation fee charged by the article terminal at a predetermined ratio, and the fee for the payment service to the service operator who supervises the total freight transportation payment service And the cashback to be paid to the carrier who is the service intermediary are each deducted and settled, and the payment is made to the financial institution, the service operator, and the carrier related to the relevant freight transportation payment service, Article Direct deposit by account.

In this way, the amount charged by the article is paid by the shipping company, but the payment is processed directly into the article account without passing through the carrier. Also, because the electronic tax invoice is issued to the Internal Revenue Service and the card is approved and the money is deposited, it is possible to block the false operation. In addition, only intangible transactions can be filtered out. Also, the article can be paid at the earliest time even if it is paid at the commission of the payment of up to 50 days at least for the past 20 days.

On the other hand, when it is confirmed that the shipping company information processing facility or the financial institution sub-system (in particular, the P / G company information processing device) has not paid the advance payment to the corresponding settlement account, The credit guarantee organization information processing device receives the compensation from the credit guarantee institution, and the credit guarantee organization information processing device processes the shipment to the shippers. At this time, the insurer's information processing device notified by the insurer shall be compensated only for the unrecognized portion of the registered shipper's case. In addition, the P / G information processing device also claims insurance claims and claims insurance. For example, in case of an insurance accident, the carrier firstly makes the claim payment claim, but the carrier does not charge the insurance fee on the due date , The insurance company will automatically claim the rights on behalf of the carrier on the basis of the claim information and claim the insurance claim.

In this way, the risk of the freight payment service of the freight transportation charge is reduced and the service is operated stably.

In other words, the P / G company (or the shipping company) is compensated by the credit guarantee institution if the shippers do not deposit the credit card into the deposit account, and if the shippers do not deposit the payment, P / G company manages the credit limit for each vehicle / transporter / shippers, and the limit of credit card issuance is "total insurance receivable receivable amount" In the event of an insurance accident, the Company will charge only for the non-detention of the registered shipper, thereby reducing the risk of the direct payment service for the freight charge and steadily operating the service.

As described above, according to the present invention, since the prepaid-based payment process is directly operated, the amount charged by the article (freight transportation charge) is paid by the transportation company. However, And deposits them directly to the article.

Then, the problems (for example, an increase in the load of the settlement processing) caused by settlement of the freight transportation charges for each freight is solved. That is, the shipping company collects the tax invoice requested by the article automatically by shippers, and collectively requests the card approval, thereby solving the problems caused thereby.

In addition, by receiving a tax authorization for the freight transportation charge and requesting a card authorization based on the accounts receivable legally generated therefrom, only the intentional transaction is filtered out by blocking the false operation that may occur in relation to the freight transportation.

In addition, based on the merchandise insurance product, which is linked to the credit guarantee institution, which may not receive the payment when the shippers do not deposit money, It reliably compensates the cargo freight while ensuring reliable compensation.

In addition, we have improved the method of shipping the article to 100% cash for the present article so that the article will be able to receive the payment at the earliest possible time even if the fee is paid up to 50 days , And financial institutions (card companies / banks, P / G companies, etc.), new markets for new credit card settlements will be discovered based on the fees.

3 is a diagram illustrating an operation of issuing a trade receipt and accepting a credit card according to the present invention.

As shown in FIG. 3, the merchandise issuance and card acceptance operation according to the present invention is performed as follows. Then, the total shipment cost of each shipment is divided by the shippers, and the electronic tax invoice is issued to the National Tax Service. Then, each of the shippers collectively collects electronic tax invoices corresponding to their cargo transportation, issues a receipt for the freight transportation fee, and delivers the receipt to the transportation company information processing device, and the transportation company information processing device confirms the receivables If the receivable is a valid receivable, register it and ask the financial institution to approve the card by dividing the combined freight transportation charges of each shippers secured with the registered accounts receivable by the shippers. Then, the financial institution grasps the article information of each article that requested freight transportation charge to the shippers and the freight transportation charge by articles, and directly transfers the freight transportation charge of the article to the account of each article (for example, "two shippers" (A articles: 100,000 won, B articles: 50,000 won, C articles), "A articles", "B articles" and "C articles" : 10, 000 won), and the operation of directly depositing the freight transportation charge of the article to the account of each article is performed.

Figure 4 is a contract and payment flow diagram according to the present invention.

4, the contract and the settlement flow according to the present invention are as follows: the shipping company is responsible for the shippers and cargo transportation contract (shipping charge: account number invariable, carrier billing account-> name: (P / G agreement) (P / G contract) (P / G contract) with the P / G company and the payment / withdrawal payment to the P / G company after payment of the card payment, / G company card payment settlement, balance transfer payment transfer). In addition, the above carrier or P / G company is responsible for claiming insurance company with credit guarantee institution and carrier in case of insurance accident, Settle the insurance payment receipt account (carrier), settle the shipping account settlement account (shippers)). The P / G company concludes a service contract with the entire service manager, and a business partnership agreement with the card company / bank, respectively. In particular, the Credit Guarantee Agency annexes the Special Account for Accounts Receivable Insurance as follows. - Insurance claims: In case of an insurance accident, not only the "carrier" but also "P / G" may charge the insurance guarantee to the credit guarantee institution. - Account number designation: The credit guarantee institution specifies the account number to which the carrier pays the insurance company in the Terms and Conditions, and can not change it in any case. (- Account number designation: Specify the freight payment account number to be paid by the shippers to the shipping company, and make it impossible to change them in any case.)

At this time, if the withdrawal payment (daily basis) is made at the "card company" / "bank", the "payment limit (shippers / carrier / borrower)" is increased in real time.

For example, when a payment request result of approval is received from a financial institution subsystem, the carrier information processing device and the system operator information processing device process the approval limit of the corresponding car type in real time (transportation company) (System operator), and when the shippers from the subsystem of the financial institution are notified of the withdrawal of the advance payment from the freight transportation fee settled in the carrier's settlement account, the amount of the corresponding car type Increase the approval limit in real time.

If the P / G company information processing apparatus receives a request for approval of the advance payment from the carrier information processing apparatus or accepts the advance payment approval request, the P / G company information processing apparatus reduces the approval limit of the carrier concerned in real time by the corresponding amount, The information processing apparatus of the present invention is notified of the withdrawal of the advance payment from the freight transportation fee settled in the carrier payment account,

5 is a diagram illustrating a profit model analysis according to the present invention.

As shown in FIG. 5, the analysis of the profit model according to the present invention is performed as follows. That is, the financial institution deducts the freight transportation charge by the set ratio, generates the revenue fee corresponding to the payment action, To all of his / her service managers and freight forwarders in accordance with the profit sharing agreement. For example, if a financial institution deducts 3.5% of the freight charge, 1.5% of its 3.5% will have its own (financial institution), 1.0% will have the full service manager, and 1.0% .

As such, financial institutions and carriers operate this service based on their revenue, and this service developer can operate this service based on the fees paid for the service, Creating a new revenue model. In other words, although we are currently shipping 100% cash to the article, we will uncover new markets for credit card payment through the introduction of this service.

6 is a diagram for explaining a proposal for the addition of a trade receivable insurance according to the present invention.

As shown in FIG. 6, the proposal for the addition of the " special item " in accordance with the present invention is as follows: the credit guarantee institution assigns the carrier account settlement account to the terms of use, (①) is proposed to the "special items" by adding the receivables insurance. In the event of an insurance accident, the carrier can make a claim for the insurance payment, but if the carrier has not filed the insurance claim within the set period, the P / G company automatically delegates the rights on behalf of the carrier (②) to provide insurance to be able to act as an insurance company. In addition, the P / G company prepares the freight transportation charge to the transportation company, and the shippers designate the transportation company payment account in the terms and conditions of the transportation company's payment account, ) Is added to the accounts receivable insurance and proposed in the "special items".

FIG. 7 is a diagram illustrating a smartphone program (used), that is, a cargo transportation management terminal app provided in an article terminal according to the present invention.

As shown in FIG. 7, the cargo transportation management terminal app according to the present invention includes a cargo inquiry (cargo information, shippers information, etc.), a cargo registration (cargo date, departure time, departure area, (Eg, shipment date, departure time, shippers division (transportation company, non-delivery service provider), departure and destination), charge for transportation (shippers or shippers) Billing ": billing period, shippers (transportation / main carrier) business registration number, business name, address, shipping period, billing item, billing amount, Whether or not a tax invoice is included, and the like).

▶ Main Support Functions

Support Function The details Sign Up When the Borrower wishes to use the Service, he / she can register on-line and send the attached documents. tolerance If you set "Tolerance" in the application, the current location information (latitude / longitude) is transmitted periodically, and the shippers will contact you. load If you set "Load" in the application, it does not transmit the location information because it is loaded with cargo. Notice of tolerance
If you set up the administrative area (city / county / district) and the period (year / month / day) that will be tolerated, the local shippers will contact you Cargo registration If necessary, the cargo owner can register the cargo in the app instead of the shipper Cargo inquiry
Cargo information registered by the shippers (distance / cargo name / top / bottom charge / temporary amount, etc.) can be inquired by the nearby borrower Registration of service
Borrower can directly input and register the operation details irrelevant to this service. Service inquiry
Automatically registers and manages the vehicle's operation history (dispatch completion / shippers call / direct registration) Tax bill The borrower can directly issue tax invoices through the application at the e-site, and receive the shipper by SMS / e-mail. Security Enter and manage expenses that will become the basic data of the comprehensive income tax return. Credit card payment It is a function to pay the logistics fee by credit card (for example, paynows) (for smartphones). Issuing cash receipts Issuance of cash receipt on the spot (Paynah) (Smartphone) Notice of cargo registration When the shippers register their cargo, a pop-up (including 'My Call') is displayed in the adjacent tolerance. (Neighborhood / group / administrative district) SMS automatic transfer (SMS) is automatically created and transmitted. Settlement history You can check the settlement details with the borrower related to the provision of the service. Membership Management View and modify member information. (Including attached documents)

FIG. 8 is a diagram showing a management process provided in the PC program (transportation), that is, the carrier information processing apparatus according to the present invention.

As shown in Fig. 8, the management process according to the present invention includes various management processes (e.g., tolerance information (tolerance inquiry, tolerance notice, dispatch reservation) management process, etc.) for car dispatching in response to a cargo request. In particular, the process of managing the transactions between the transport / forwarding company and the borrower and managing the purchasing management (or the sales management that manages the transactions between the shipping / forwarding company and the shippers and issues the electronic tax invoice directly) For example, the purchase management process is a process of transferring information between a freight carrier (article name), a vehicle (car number), a shipper (trade name, business number) (Information on the shipper, vehicle, article, etc.) of the transportation (transportation period, billing amount, VAT, charge item, billing date), settlement (account holder, account number, bank name, (For example, when the article completes a freight shipment or when a shippers newly request a freight shipment), the changed freight transportation , And modify, add, update and manage based on payment information.

▶ Main Support Functions

Support Function The details Consignment management The contract is managed by the form designated by the Ministry of Land, Transport and Transport (FPIS), and it is possible to report the details periodically. Direct Shipping Management It manages the delivery directly to the form designated by the Ministry of Land Transport and Traffic (FPIS), and makes it possible to report the details regularly. Sales management It manages the transactions between the shipping / shipping company and the shippers and issues electronic tax invoices immediately. Purchase Management It manages the transactions between the shipping / forwarding company and the borrower, and issues settlement and tax invoices. Expense management As a basic data for collecting income tax return, it is necessary to input and manage expenditure history. Tax declaration agency We support / act for business so that personal / corporation business taxation and comprehensive income tax return can be smoothly done. Tolerance Information Automatically find the nearest (distance) cargo tolerance based on the cargo location. Notice of tolerance Later, the administrative area (city / province, city / county / district) to be used for the week / stop will be set in advance. Cargo registration Register the cargo information to be dispatched directly from the transport / main carrier. General management Account management / article management / vehicle management / identity management / account subject management / my information. Statistical analysis By analyzing precisely by vehicle, article, supplier, and date, we provide analysis information in various forms.

Description of the Related Art [0002]
101: Shipper terminal 102: Article terminal
103: Transport company information processing device 104: Tax management authorized information processing device
105: P / G information processing device 106: card company / bank information processing device

Claims (38)

An article terminal for receiving car dispatch information according to a cargo request to manage cargo transportation, and billing freight transportation fee;
A tax management authorized information processing device for performing tax authorization for the freight transportation fee charged by the article terminal;
A financial institution serve system for depositing the freight transportation fee by article account;
A shippers terminal for commissioning the shipment and generating a receipt for the freight shipment fee when it is confirmed by the tax-management-authorized information processing apparatus that receipt of the freight shipment approved by the tax authority is received; And
A direct order to provide the vehicle dispatch information to the article terminal upon receipt of a cargo request from the shippers terminal, to perform a payment for the freight transportation charge requested by the article terminal, and to directly deposit the corresponding advance payment in the article account via the transportation company A carrier information processing device operating a prepayment-based prepayment approval process;
Lt; / RTI >
The shipping company information processing device requests the tax agent to charge the freight transportation fee charged by the article terminal to the tax management authorized information processing device and confirms and registers the receivables generated by the relevant shippers terminal for the tax- Wherein the financial institution subsystem is requested to request the approval of the direct prepayment based on the pre-payment to the financial institution subsystem. The method according to claim 1,
The transportation company information processing apparatus includes:
When a total of the freight transportation charges charged by the article terminal is aggregated for each shippers and the receivable receivable for each freight transportation fee is confirmed from each shippers terminal, A system of cargo transportation for direct payment of cargo, characterized in that the cargo is requested to be paid in advance to the institutional subsystem. The method according to claim 1,
The transportation company information processing apparatus includes:
When a cargo transportation charge is requested from the article terminal, a limit of the car type is checked based on the approval limit information of the cargo transportation charge registered in advance, Wherein the billing request is accepted when the billing request is within a predetermined range. The method according to claim 1,
The transportation company information processing apparatus includes:
If the payment request result of approval is received from the financial institution sub-system, the approval limit of the corresponding vehicle type is processed in real time by the amount corresponding to the amount of money, and from the financial institution subsystem, And when the notice of withdrawal of the advance payment is notified, the approval limit of the corresponding vehicle type is increased in real time by the corresponding amount. The method according to claim 1 or 2,
The financial institution sub-
When the carrier's information processing device is requested to approve the advance payment, the limit of the carrier concerned is checked based on the approval limit information of the freight transportation charge for each freight carrier Wherein the acceptance request is accepted when the acceptance limit is within the range of the authorization limit. 6. The method of claim 5,
The financial institution sub-
In the case that the request for approval of the advance payment from the above-mentioned carrier information processing device or the approval of the advance payment is accepted, the approval limit of the carrier concerned is processed in real time for the corresponding amount, If the check of the shipment payment of the shippers is confirmed from the carrier's settlement account as a result of the confirmation, the payout of the shipment is transferred, and when the withdrawal of the advance payment is made, the limit of the shipment is approved in real time Wherein the cargo transportation system is a cargo transportation system for direct payment of cargo. The method according to claim 1,
The financial institution sub-
A commission fee for paying the freight transportation fee charged by the article terminal to the service operator who prepares the total payment for the entire freight transportation payment service, And to make payment to the financial institution, service operator, and carrier related to the relevant freight transportation payment service, and to directly deposit the remaining amount of the deducted remaining amount as freight transportation charge by article account A cargo transportation system for direct payment of cargo freight. 8. The method of claim 7,
The transportation company, the financial institution information and the information related to the advance payment service, and manages the freight transportation payment service in an integrated manner, performs the settlement management of the transportation company fee, and provides the settlement service from the financial institution sub- A system operator information processing device for operating a freight transportation payment service based on a received commission fee;
Further comprising the steps of: determining whether the cargo is to be transported by the cargo transportation system; 9. The method of claim 8,
The system operator information processing apparatus comprising:
If the settlement limit of the shippers is set and managed, and if the payment request result of approval is received from the financial institution subsystem, the limit of the shippers is checked based on the approval limit information of the previously registered shippers, Wherein the acceptance result of the payment request is accepted by the acceptance means. 10. The method of claim 9,
The system operator information processing apparatus comprising:
If the payment request result of the approval is received from the financial institution subsystem, the approval limit of the shippers is reduced in real time by the amount corresponding to the amount of money, and from the financial institution subsystem, And the amount of the shipment is increased in real time by the amount corresponding to the amount of the shipment when the notice of the transfer of the money is notified. 11. The method according to claim 9 or 10,
Wherein the authorization limit of the shippers is limited to a total amount of insurance receivables based on information insured for the receivables. The method according to claim 1,
The transportation company information processing apparatus includes:
The tax office accepts the tax invoice issued in correspondence with the freight transportation fee charged by the article terminal and issues an electronic tax invoice for each or each shippers,

The shippers terminal,
When the receipt of the electronic tax invoice certified by the tax management authorized information processing device is confirmed, the receipt is generated and transmitted to the carrier information processing device,

The transportation company information processing apparatus includes:
Wherein the checking means confirms the accounts receivable generated from the shippers terminal and requests the approval of the financial institution sub-system in case of a valid receivable, so that the approval is made. The method according to claim 1,
The transportation company information processing apparatus includes:
The advance payment approval processing may be performed by a card registered in advance or associated with the financial institution in accordance with the payment amount of the freight transportation charge charged by the article terminal or the approval information of the prepaid electronic payment based, Or an electronic payment approval basis. The method according to claim 1,
The financial institution sub-
A financial institution information processing device for directly depositing the advance payment of the cargo transportation charge by article account; And
A credit card company directly depositing payment transaction information corresponding to an electronic settlement agency agreement (P / G contract) with the shipping company and the advance payment of the freight transportation charge by article account, or approval information corresponding to an electronic settlement agency agreement with the bank A P / G company information processing device for registering and managing the freight charge / fee management operation in cooperation with the carrier information processing device and the financial institution information processing device;
And a cargo transportation system for direct payment of cargo. 15. The method of claim 14,
The P / G information processing apparatus includes:
When the carrier's information processing device is requested to approve the advance payment, the limit of the carrier concerned is checked based on the approval limit information of the freight transportation charge for each freight carrier And the electronic payment of the corresponding line approval request is permitted when the amount is within the allowable limit range. 16. The method of claim 15,
The P / G information processing apparatus includes:
If the request for acceptance of the advance payment from the shipping company information processing device or the request for approval of the advance payment is permitted, the approval limit of the carrier concerned is reduced in real time, and the shipment from the financial institution information processing device The amount of the shipment is increased in real time by the amount corresponding to the amount of the shipment, when the notice of withdrawal of the advance payment is notified from the freight transportation fee paid to the account. 15. The method of claim 14,
The system operator information processing apparatus comprising:
And when a payment request result of approval is received from the P / G company information processing device, the limit of the shippers is checked based on the approval limit information of the previously registered shippers, Wherein the acceptance result of the payment of the approval is allowed when the amount is within the predetermined range. 18. The method of claim 17,
The system operator information processing apparatus comprising:
And when the payment request result of approval is received from the P / G company information processing device, the approval limit of the shipment is reduced in real time by the amount corresponding to the amount of money, and the shipment from the financial institution information processing device Wherein the amount of the shipment of the shipment is increased in real time by the amount corresponding to the amount of the shipment received from the freight transportation company. The method according to claim 17 or 18,
Wherein the authorization limit of the shippers is limited to a total amount of insurance receivables based on information insured for the receivables. 10. The method according to claim 1 or 9,
If the shipment company, the financial institution, or the P / G company registers and manages the insurance contract information of the receivables and confirms that the shippers have not paid the advance payment, based on the insurance contract information of the previously registered accounts receivable, A credit guarantee institution information processing device that processes payment of insurance premiums to each financial institution or each payment account of P /
Further comprising:

Wherein each of the carrier information processing apparatuses or the P / G company information processing apparatuses receives a compensation for claiming insurance money to the credit guarantee organ information processing apparatus when it is confirmed that the shippers have not paid the advance payment to the settlement account Cargo Transportation System for Direct Payment. 21. The method of claim 20,
Wherein the credit guarantee institution information processing device comprises:
The information of the insurance money providing special information for designating the transportation company settlement account in the terms of use and paying the insurance money only to the designated account and the insurance company so that the carrier can make a claim for the insurance money in the event of an insurance accident, If the claim is not filed within the predetermined period, the P / G company can request the insurance company to automatically assume the right on behalf of the carrier, and if the P / G company sends the freight transportation charge to the carrier And the shippers register and manage the transportation payment special information information that the transportation company's payment account is specified in the terms of use and the deposit is made only to the designated account so that the relevant information corresponding to the insurance accident And when the information is received, the insurance money is paid based on each of the above-mentioned special information information. Fee payment system for direct freight. 22. The method according to claim 20 or 21,
The P / G company information processing device checks whether or not the carrier can claim the insurance money in the case where the information is received and checked corresponding to the occurrence of the insurance accident, The claim is automatically compensated on behalf of the carrier on the basis of the insurance claim information, and the claim is paid by claiming the credit insurance institution information processing device for compensation. Freight transport system. 21. The method of claim 20,
The transportation company information processing apparatus includes:
In the event of an insurance accident, registration information is managed so that only the US detainee for the registered shipper's claim can be claimed, and if the relevant information corresponding to the above insurance accident is received, Claims only for uncollected shipments of the registered shipper's cargo. An information processing apparatus comprising:
A database in which cargo transportation and settlement information including at least one of freight transportation operators and information on accounts receivable for vehicles, shippers, vehicle dispatches, and freight transportation fees are configured;
An app interface (I / F) for interfacing with the cargo transportation management terminal app provided in the article terminal; And
The vehicle terminal is provided with vehicle dispatch information to the article terminal by carrying out a cargo request from the shippers terminal and carries out payment of the cargo transportation charge according to the cargo transportation management terminal app of the article terminal, A web server that manages a direct prepaid approval process to deposit funds directly into the article account;
Lt; / RTI >
The web server requests a taxation authorization from the article terminal for the freight transportation charge to the tax management authorized information processing device and confirms and registers the receivables generated by the corresponding shipment terminal for the taxed cargo transportation charge, And requesting approval of the direct payment on the basis of the direct payment to the financial institution subsystem registered beforehand. 25. The method of claim 24,
The web server comprises:
When a total of the freight transportation charges charged by the article terminal is aggregated for each shippers and the receivable receivable for each freight transportation fee is confirmed from each shippers terminal, And requesting approval of the line subsidy to the sub-system for the information processing of the cargo transportation system for direct payment of cargo freight. 26. The method according to claim 24 or 25,
The web server comprises:
A tax invoice issued by the article terminal in response to a freight transportation charge and issuing an electronic tax invoice for each or each shippers to request taxation authorization from the tax management accredited information processing apparatus, Wherein the financial institution subsystem is requested to approve the payment in the case of a valid receivable by confirming the receivable of the freight charge, so that the approval is made. 25. The method of claim 24,
The web server comprises:
And registers and manages the insurance contract information of the trade receivable with the credit guarantee institution and confirms that the shippers have not paid the advance payment to the settlement account, The information processing apparatus of the cargo transportation system for direct payment of cargo freight is characterized in that it is charged by claiming insurance money to the processing apparatus. 28. The method of claim 27,
The web server comprises:
In the event of an insurance accident, registration information is managed so that only the US detainee for the registered shipper's claim can be claimed, and if the relevant information corresponding to the above insurance accident is received, The information processing apparatus of the cargo transportation system for direct payment of cargo freight is characterized in that only the uncollected cargo for the registered cargo is charged. 25. The method of claim 24,
The web server comprises:
When a cargo transportation charge is requested from the article terminal, a limit of the car type is checked based on the approval limit information of the cargo transportation charge registered in advance, The information processing device of the freight transportation system for direct payment of cargo freight. 25. The method of claim 24,
The web server comprises:
If the payment request result of approval is received from the financial institution sub-system, the approval limit of the corresponding vehicle type is processed in real time by the amount corresponding to the amount of money, and from the financial institution subsystem, The information processing apparatus of the freight transportation system for direct payment of cargo freight is characterized in that, when it is notified that the withdrawal of money has been notified, the approval limit of the corresponding car type is increased in real time. An information processing apparatus comprising:
Includes payment information corresponding to the electronic settlement brokerage agreement (P / G contract) with the carrier and approval information corresponding to the approval of the card issuer or the electronic settlement agency agreement with the bank that directly deposits the advance payment of the freight transportation charges by article account ;
A communication I / F (interface) for interfacing with each of the information processing apparatuses of the transportation company information processing unit, the card company or the bank; And
A Web server that performs an electronic settlement agency operation and a freight charge / fee settlement management operation for the advance payment of the freight transportation charge received from the transportation company in cooperation with each information processing apparatus based on the previously registered electronic payment agency information, server;
Lt; / RTI >
The web server sets and registers the approval limit of the freight transportation fee for each transporter, and when the approval of the freight transportation charge is requested from the transporter information processing device, , The limit of the transportation company is limited, and when the limit is within the allowable limit range, the request is approved and the restriction is restricted. 32. The method of claim 31,
The web server comprises:
If the acceptance request is received from the carrier information processing apparatus or the request for approving the advance payment, the acceptance limit of the carrier is reduced by the amount corresponding to the amount of money, and the shipment from the card company or the information processing apparatus of the bank The information of the freight transportation system for direct payment of the freight transportation charge system, which is obtained by increasing the approval limit of the shippers by the amount corresponding to the amount of money transferred from the freight transportation fee paid to the carrier's payment account, Processing device. 32. The method of claim 31,
The web server comprises:
The credit card company or the bank information processing apparatus directly receives the advance payment of the freight transportation fee in accordance with the service transaction in which the advance payment of the freight transportation fee is deposited into the account account, Based on the information, the commission paid to the service operator who is responsible for the entire freight transportation payment service, and the cash back paid to the carrier who is the service intermediary, The information processing apparatus of the freight transportation system for direct payment of cargo freight. 32. The method of claim 31,
The web server comprises:
If the carrier confirms whether or not the carrier can make a request for the insurance payment, and if the carrier has not yet claimed the insurance money within the set period of time, The information processing apparatus of the freight transportation system for direct payment of freight transportation is characterized in that the information processing apparatus for the freight transportation system for direct settlement is compensated by claiming the credit guarantee organ information processing device on behalf of the carrier on the basis of the special information and automatically delegating the right. A method of controlling a service charge in a terminal, the method comprising the steps of:
a) registering information of the carrier information processing apparatus operating the direct payment approval based on direct prepayment, in which the advance payment of the cargo transportation is directly transferred to the corresponding article account via the carrier;
b) receiving vehicle dispatch information according to a cargo request from the carrier information processing device;
c) registering cargo information and driving history information cargo carried on the basis of the provided vehicle allocation information;
d) directly issuing a tax invoice for the cargo transportation based on the registered cargo information and the driving history information; And
e) Prepare a prepaid shipping charge claim form by listing the issued tax invoice and the shipper's shipment code, uploading it to the direct prepaid approval process of the carrier's information processing device, and requesting the freight transportation fee step;
The method comprising the steps of: In the terminal,
A communication unit for communicating with the carrier information processing device of the cargo;
A display unit for displaying a user interface of the terminal app; And
A control unit for controlling the service operation of the corresponding app by driving the terminal app;
Lt; / RTI >
The control unit registers information on the carrier information processing device operating the direct payment approval process based on direct prepayment, which allows the direct payment of freight transportation to be directly transferred to the corresponding article account via the carrier, The information about the car dispatched according to the cargo request from the device is received, the cargo information and the running history information cargo carried on the basis of the provided vehicle dispatching information are registered, and the cargo information The tax invoice is directly issued and the tax bill and the shipment code of the freight transportation are written on the bill so that the freight charge is charged by uploading the tax bill and the shipment code of the freight transportation to the direct payment- Terminal of cargo transportation system for direct payment of cargo freight. A method of controlling a service charge in a terminal, the method comprising the steps of:
a) requesting the cargo information information processing device for cargo based on the cargo request terminal app corresponding to any one of the terminal apps when the user request information is inputted;
b) confirming receipt of an electronic tax invoice for the freight transportation charge corresponding to the cargo commissioned by the tax-authorized authorized information processing apparatus;
c) if the confirmation of receipt of the electronic tax bill for the freight transportation charge corresponding to the cargo request is confirmed as a result of the check, generating the receivable for the freight transportation charge and maintaining the receipt for the freight transportation charge; And
d) transferring the generated receivables to the transporter information processor;
The method comprising the steps of: (a) inputting a bill of lading for a bill of lading; In the terminal,
A communication unit for communicating with the carrier information processing device of the cargo;
A display unit for displaying a user interface of the terminal app; And
A control unit for controlling the service operation of the corresponding app by driving the terminal app;
Lt; / RTI >
Wherein the control unit requests a cargo to the transportation company information processing device on the basis of the cargo handling terminal app corresponding to one of the terminal apps when the user request command is inputted, If the receipt of the electronic tax invoice for the freight transportation fee corresponding to the freight commission is confirmed as a result of the check, it is possible to generate a sales receipt for the freight transportation fee, And if it is not confirmed, transfers the generated receivables to the carrier information processing device.

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