KR20210078890A - Commerce bond securitization system between target companies based on circulation of accounts receivable - Google Patents

Abstract

The present invention relates to a win-win cooperation between the enterprise (WWC) support system based on a distribution of an account receivable (AR). The present invention comprises: a BI acquisition module; a purchasing enterprise credit rating information acquisition module; a purchasing enterprise management information acquisition module; a support content storage module; an ARI subscription simulation support module; an ARI issuance review support module; and a loan review support module. Therefore, the present invention is capable of optimizing a win-win cooperation with a purchasing enterprise.

Description

SECURITIZATION SYSTEM BETWEEN TARGET COMPANIES BASED ON CIRCULATION OF ACCOUNTS RECEIVABLE {COMMERCE BOND SECURITIZATION SYSTEM BETWEEN TARGET COMPANIES BASED ON CIRCULATION OF ACCOUNTS RECEIVABLE}

The present invention supports win-win cooperation between the enterprises (WWC: Win-Win Cooperation between the enterprise; hereinafter referred to as "WWC") based on the distribution of trade receivables (AR: Account Receivable: hereinafter referred to as "AR") It is about a securitization system for commercial receivables between companies, and more specifically, without any difficulties on the part of the product seller, it is based on the information on support for the simulation of account receivable insurance (ARI) subscription. Not only guides users to easily determine whether a company can apply for insurance, apply for a loan, etc., but also requires unnecessary additional procedures (e.g., procedures that require self-secure credit evaluation information of purchasing companies, AR, etc.) in guarantee/insurance companies, banks, etc. By guiding the optimal ARI issuance review process and loan review process effectively based on ARI issuance review support information, loan review support information, etc.) without requesting/receiving the issuance from the purchasing company, Based on AR distribution, which can easily avoid various damages caused by non-issuance of ARI and various damages due to non-payment of loans from the selling company, which is a lower-level company, and support optimized win-win cooperation with the purchasing company, which is the company's top company. It is related to the securitization system of commercial receivables between target companies that supports the WWC.

As shown in Figure 1, under the distribution system of AR (eg, accounts receivable, bills to be received, etc.) according to the prior art, goods (actual goods, service goods, services, subcontracting business, etc.) to the purchasing company 2 side) <Procedure of subscribing for ARI to the guarantee/insurer (4) side using AR as collateral>, <ARI issued by the guarantee/insurer (4) side> The procedure for applying for a loan to the bank (3) side> etc. will be additionally proceeded with as collateral. Of course, in this situation, the guarantee/insurer (4) side pre-examines <Is it okay to issue an ARI to the selling company (1) side>, and if the evaluation result is positive, the ARI is sent to the selling company (1) side (Of course, on the seller (1) side that has received such an ARI, if a loss occurs due to the default of the purchasing company (2), a series of insurance can be paid). In addition, the bank (3) side also pre-examines the holding value of the ARI issued by the guarantee/insurer (4), and if the evaluation result is positive, the bank (3) issues a loan to the seller (1) that holds the ARI (Of course, the sales company (1) that has received such a loan can prepay its sales price in advance even before the payment of the purchase company (2)).

Under this conventional system, as described above, in order for the selling company (1) to receive an ARI normally, it must go through a series of ARI issuance examination procedures by the guarantee/insurer (4) in advance. In this case, In order to more reliably check the stability of AR, the guarantee/insurer (4) must proceed with a procedure for evaluating the credit status of the purchasing company (2). However, in this situation, due to various reasons (eg, the guarantee/insurer 4 does not hold the credit information of the purchasing company 2, or the credit status of the purchasing company 2 is unclear), If the credit evaluation of the company (2) is not possible, the guarantee/insurer (4) makes a judgment that <ARI issuance is impossible> without even starting the <ARI issuance review procedure>, and eventually, the selling company ( 1) Despite the fact that the side normally holds the <AR related to the purchasing company (2)>, it is very unfair that a series of ARIs cannot be issued normally due to the extremely unfair reason that the credit evaluation of the purchasing company (2) is not possible. You will have to be in a situation where you are. In particular, since this ARI acts as an essential collateral for the loan procedure of the bank (3), if the issuance of the ARI cannot be performed normally due to the above-mentioned reasons, the seller (1) side <run the loan by the bank (3) The advance supply and demand of sales proceeds by the company will have no choice but to bear another additional damage that becomes difficult.

On the other hand, fortunately, since the guarantee/insurer (4) has the credit information of the purchasing company (2), a series of ARI issuance examination procedures are proceeding normally, and accordingly, the seller (1) is able to secure the ARI normally. If possible, the seller (1) will proceed with the <procedure to apply for a loan using the ARI issued by the guarantee/insurer (4) as collateral> for the bank (3) as described above. do. Of course, when a loan application from the selling company (1) with the ARI as collateral is received, the bank (3) requests the purchasing company (2) to issue an AR in order to more reliably verify the stability of the ARI. (For reference, a normal AR collateralized loan is a prerequisite for the issuance of AR by the purchasing company (2)).

However, since the above-described AR issuance task is a formidable task that requires, for example, <confirm/issue each AR after accessing the bank's internet banking network>, unless separate measures are taken, the purchasing company ( 2) The side has no choice but to show an extremely passive attitude toward AR issuance due to the increase in the company's workload, and in the end, under the above-mentioned difficult conditions, the selling company (1) receives a series of loans despite the fact that the ARI was normally issued. It is inevitably inevitably placed in a difficult situation, such as not being able to secure it easily.

In conclusion, under the above adverse conditions, the seller (1) cannot receive ARI normally or receive loans normally, even though there is no reason attributable to the company, and eventually, the business must be abandoned midway. You will have to face serious situations from time to time.

In particular, in addition to these problems, when considering the general domestic/international business environment, the above-mentioned purchasing company (2) and selling company (1) are <upper company (in the case of purchasing company) having a mutual transaction relationship (for example, , large companies that have a business relationship with a primary partner company, a primary partner company that has a business relationship with a secondary partner company, a secondary partner company that has a business relationship with a tertiary partner company, etc.) and sub-company (sales company) in the case of) (e.g., a first-tier supplier with a business relationship with a large company, a secondary supplier with a first-tier supplier, a tertiary supplier with a second-tier supplier, etc.)> As the probability is very high, as described above, the sales company (1) (e.g., dealing with large companies) is in a poor position as a sub-company due to <difficulty in securing credit information>, <procedural difficulty in AR issuance>, etc. The primary partner company with which the company has a relationship, the secondary partner company that has a business relationship with the first partner company, the tertiary partner company that has a business relationship with the second partner company, etc.) cannot receive the ARI normally; If the loan cannot be received normally, the <WWC between upper-level companies and lower-level companies>, which has recently become an important social issue, will inevitably receive a serious threat. (1) It is inevitable that it will spread widely as a comprehensive problem across society, leaving only the partial problems of (1).

Therefore, it is an object of the present invention to use <Account Receivable (AR) as a medium in communication pipelines such as a sales company information communication terminal connected to a wired/wireless online network, a guarantee/insurance company information communication terminal, and a bank information communication terminal. Business Information between the selling/buying enterprise (BI) that corresponds to the transaction details between the selling/purchasing companies that have mutual receivables/debt relationship (e.g., information on the name of the purchasing company/seller company, purchase Business number information of company/seller company, business status information of purchasing company/seller company, transaction amount (eg, supply price) information between purchasing company/seller company, transaction item information between purchasing company/seller company, between purchasing company/seller company A computer module that can acquire and store/manage transaction date information, payment condition information between purchasing company/seller company, etc.>, <credit evaluation information corresponding to the credit details of the purchasing company (eg, financial statement information of the purchasing company; Acquire and store/store company overview information of the purchasing company, history information of the purchasing company, credit status information of the purchasing company, information on bad financial transactions of the purchasing company, credit rating information of the purchasing company, cash flow details of the purchasing company, etc.) Manageable computer module>, <purchasing company management information corresponding to the purchasing company management details of the ordering party (eg, large corporation, public institution, public corporation, etc.) that placed the original order for the transaction between the selling/purchasing company (eg, the purchasing company and the purchasing company) contract information, number/order information with the purchasing company, bond information of the purchasing company, payment processing information on the purchasing company, delivery information of the ordering party of the purchasing company, cooperation information between the purchasing company and the selling company, etc.) Based on the computer module that can be stored and managed, and <acquired BI, credit rating information of the purchasing company, management information of the purchasing company, etc., the seller's account receivable insurance (ARI: Account Receivable Insurance) subscription simulation procedure (e.g., , select a purchasing company that can issue an ARI by identifying whether the purchasing company can make a credit transaction, an appropriate credit transaction amount, an appropriate credit transaction period, and the recoverable amount in case of default; ARI subscription simulation support information to support the simulation procedure that calculates the subscription amount for each selected purchasing company, whether the company can subscribe to insurance, and whether the company can apply for a loan), support the ARI issuance review process of the guarantee/insurer side ARI issuance review support information for the bank, a computer module that can create, store/manage, and store/manage loan review support information to support the bank’s loan review>, <seller information and communication terminal, guarantee/insurance company information and communication terminal, bank information In accordance with the request message sent from the communication terminal, etc., a computerized module that can transmit/provide ARI subscription simulation support information, ARI issuance review support information, loan review support information, etc. to vendors, guarantee/insurance companies, banks, etc.> Through this, without any difficulties on the seller side, based on the above ARI subscription simulation support information, it guides the company to easily determine whether it is possible to apply for insurance, whether it is possible to apply for a loan, etc. , the above ARI issuance review support information, without unnecessary additional procedures (e.g., the procedure to secure the credit evaluation information of the purchasing company, the procedure to request/receive the issuance of AR from the purchasing company, etc.) Based on the loan review support information, etc., it guides the optimal ARI issuance review process and loan review process to be carried out effectively, so that various damages caused by non-issuance of ARI on the selling company side, various damages due to non-payment of loan, etc. The goal is to easily avoid the problem and to optimize win-win cooperation with the purchasing company, which is the top company of the company.

The technical problems to be achieved in the present invention are not limited to the technical problems mentioned above, and other technical problems not mentioned will be clearly understood by those of ordinary skill in the art to which the present invention belongs from the following description. will be able

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

In order to achieve the above object, in the present invention, while communicating with the information communication terminal of the sales company connected to the wired/wireless online network, the information communication terminal of the guarantee/insurance company, and the information communication terminal of the bank, the sales generated by the sales of goods on the side of the sales company Based on AR distribution that supports Win-Win Cooperation between the enterprise (WWC) between sellers and buyers that have mutual receivable/debt relationship through AR (Account Receivable), In the securitization system for commercial receivables between companies to be supported, company name information of the purchasing company/seller company, business number information of the purchasing company/seller company, business status information of the purchasing company/seller company, transaction amount information between the purchasing company/seller company, Transaction information between the selling company and the purchasing company (BI: Business Information between the selling/buying) including transaction item information between the purchasing company/seller company, the transaction date information between the purchasing company/seller company, and the payment condition information between the purchasing company/seller company enterprise) a BI acquisition module for storing; Financial statement information of the purchasing company, company outline information of the purchasing company, history information of the purchasing company, credit status information of the purchasing company, information on bad financial transactions of the purchasing company, credit rating information of the purchasing company, cash flow details of the purchasing company a purchasing company credit evaluation information acquisition module for storing purchasing company credit evaluation information, including; Contract information between the ordering party and the purchasing company, the number/ordering information between the ordering party and the purchasing company, bond information of the purchasing company, payment processing information for the purchasing company, delivery information of the ordering party for the quantity purchased by the purchasing company, and between the purchasing company and the selling company a purchasing company management information acquisition module for storing purchasing company management information including cooperation relationship information; Company name information of purchasing company/seller company, business number information of purchasing company/seller company, business status information of purchasing company/seller company, transaction amount information between purchasing company/seller company, transaction item information between purchasing company/seller company, purchasing company /Transaction date information between sellers, payment terms information between purchasing companies/sellers, financial statement information of purchasing companies, company outline information of purchasing companies, history information of purchasing companies, credit status information of purchasing companies, financial transactions of purchasing companies Defect breakdown information, credit rating information of purchasing company, cash flow details of purchasing company, contract information between ordering party/buying company, number/ordering information between ordering party/buying company, bond information between ordering party/buying company, information between ordering party/buying company Payment processing information, delivery information between the ordering party/purchasing company, and cooperative relationship information between the purchasing company/seller company expressed in tables, graphs, images, letters, and numbers. a support content storage module for storing issuance review support information and loan review support information; While communicating with the information communication terminal of the vendor through the wired/wireless online network, according to a request message transmitted from the information communication terminal of the vendor, it communicates with the support content storage module to receive the ARI subscription simulation support information. an ARI subscription simulation support module that, after extraction, transmits the extracted ARI subscription simulation support information to the vendor information and communication terminal side; While communicating with the seller information and communication terminal or the guarantee/insurance information communication terminal through the wired/wireless online network, according to a request message transmitted from the seller information communication terminal or the guarantee/insurance information communication terminal, the an ARI issuance review support module that communicates with a support content storage module, extracts the ARI issuance review support information, and transmits the extracted ARI issuance review support information to the guarantee/insurer information communication terminal; While communicating with the vendor information communication terminal or the bank information communication terminal via the wired/wireless online network, according to a request message transmitted from the vendor information communication terminal or the bank information communication terminal side, the support content storage module; Target supporting WWC based on AR distribution, characterized in that it includes a loan review support module that communicates, extracts the loan review support information, and transmits the extracted loan review support information to the bank information and communication terminal side Initiate a securitization system for commercial bonds between companies.

In the present invention, sales/purchase that has mutual receivables/debt relationship through <AR in communication pipelines such as sales company information communication terminal, guarantee/insurance company information communication terminal, bank information communication terminal, etc. connected to wired/wireless online network BI corresponding to the transaction details between companies (e.g., company name information of the purchasing company/seller company, business number information of the purchasing company/seller company, business status information of the purchasing company/seller company, transaction amount between the purchasing company/seller company (e.g., A computer module that can acquire, store/manage information on supply price) information, transaction item information between purchasing company/seller company, transaction date information between purchasing company/seller company, payment condition information between purchasing company/seller company, etc.>, < Credit evaluation information corresponding to the credit details of the purchasing company (e.g., financial statement information of the purchasing company, company summary information of the purchasing company, history information of the purchasing company, credit status information of the purchasing company, information on the bad details of financial transactions of the purchasing company, A computer module that can acquire and store/manage the credit rating information of the purchasing company, cash flow details of the purchasing company, etc.), <Ordering party that placed the original order for the transaction between the selling/purchasing company (e.g., a large corporation, a public institution, a public corporation) Purchasing company management information corresponding to the management details of the purchasing company (eg, contract information with the purchasing company, number/order information with the purchasing company, bond information of the purchasing company, payment processing information for the purchasing company, purchasing company Based on the computer module that can acquire, store/manage, and store/manage information, such as information on the ordering party's purchase quantity, cooperation information between the purchasing company and the selling company), <acquired BI, credit evaluation information of the purchasing company, management information of the purchasing company, etc. Therefore, the ARI subscription simulation procedure of the seller side (e.g., whether the purchasing company is available for credit transactions, the appropriate credit transaction amount, the appropriate credit transaction period, the recoverable amount in case of default, etc.) , ARI subscription simulation support information to support a simulation procedure that calculates the subscription amount for each selected purchasing company, whether the company can apply for insurance, and whether the company can apply for a loan), and support the ARI issuance review process of the guarantee/insurer ARI issuance review support information for Subscribing to ARI according to request messages sent from information and communication terminals of sales companies, information communication terminals of guarantee/insurance companies, information communication terminals of banks, etc. In the implementation environment of the present invention, because it systematically arranges and provides a computer module that can transmit/provide simulation support information, ARI issuance review support information, loan review support information, etc. to vendors, guarantee/insurance companies, banks, etc. On the seller side, without any difficulty, based on the above ARI subscription simulation support information, it is possible to easily determine whether the company can apply for insurance, whether it is possible to apply for a loan, etc., and unnecessary additional procedures (e.g. guarantee/insurance companies, banks, etc.) For example, the optimal ARI is based on the ARI issuance review support information and loan review support information, without the need to self-secure the credit rating information of the purchasing company, request/receive the issuance of AR from the purchasing company, etc.) The issuance review process and loan review process can be carried out effectively, and in the end, the selling company easily avoids various damages caused by non-issuance of ARI and non-payment of loans, and even win-win cooperation of

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

Hereinafter, the embodiments disclosed in the present specification will be described in detail with reference to the accompanying drawings, but the same or similar components are assigned the same reference numerals regardless of reference numerals, and overlapping descriptions thereof will be omitted. The suffixes "module" and "part" for the components used in the following description are given or mixed in consideration of only the ease of writing the specification, and do not have a meaning or role distinct from each other by themselves. In addition, in describing the embodiments disclosed in the present specification, if it is determined that detailed descriptions of related known technologies may obscure the gist of the embodiments disclosed in the present specification, the detailed description thereof will be omitted. In addition, the accompanying drawings are only for easy understanding of the embodiments disclosed in the present specification, and the technical spirit disclosed herein is not limited by the accompanying drawings, and all changes included in the spirit and scope of the present invention , should be understood to include equivalents or substitutes.

Terms including an ordinal number, such as first, second, etc., may be used to describe various elements, but the elements are not limited by the terms. The above terms are used only for the purpose of distinguishing one component from another.

The singular expression includes the plural expression unless the context clearly dictates otherwise.

Hereinafter, with reference to the accompanying drawings, a system for securitization of commercial receivables between target companies (hereinafter referred to as WWC support system) based on AR distribution and supporting WWC according to the present invention will be described in more detail as follows.

2 is an exemplary diagram conceptually illustrating an online arrangement pattern of the WWC support system according to the present invention.

As shown in Fig. 2, under the system of the present invention, a sales company (1) that provides goods (real goods, service goods, services, subcontracting business, etc.) to the purchasing company (2) and obtains AR corresponding thereto <Procedure of subscribing for ARI to guarantee/insurer (4) using AR as collateral>, <ARI issued by guarantee/insurer (4) as collateral to apply for a loan to the bank (3) procedure>, etc. (in this case, the seller and the purchasing company establish a mutual bond/debt relationship through AR).

At this time, the above-mentioned selling company 1 is a <subordinate company> having a transaction relationship with the purchasing company 2 (eg, a primary partner company having a business relationship with a large company, a first partner company having a business relationship with the first partner company) It may be a secondary partner company, a tertiary partner company that has a business relationship with a secondary partner company, etc.), and conversely, the purchasing company (2) has a mutual transaction relationship with the selling company (1) <parent company> (For example, it may be a large company that has a business relationship with a primary partner company, a primary partner company that has a business relationship with a secondary partner company, a secondary partner company that has a business relationship with a tertiary partner company, etc.).

In this situation, the guarantee/insurer (4) side pre-examines <Is it OK to issue an ARI to the selling company (1) side>, and if the result of the examination is positive, an ARI is issued to the selling company (1) side (Of course, the selling company (1) that has been issued such an ARI pays a series of insurance payments from the guarantee/insurer (4) side if a loss occurs due to the default of the purchasing company (2). can be paid).

In addition, the bank (3) side also pre-examines the holding value of the ARI issued by the guarantee/insurer (4), and if the evaluation result is positive, the bank (3) issues a loan to the seller (1) that owns the ARI (Of course, the sales company (1) that has received such a loan can receive its sales proceeds in advance even before the purchase company (2) is paid).

In this base environment, as shown in FIG. 2 , on the side of the WWC support system 100 according to the present invention, the seller information communication terminal 10 managed by the seller 1, and managed by the purchasing company 2 . Information and communication terminal (20) of a purchasing company that becomes a customer, a guarantee/insurance company information communication terminal (40) managed by a guarantee/insurer (4), a bank information communication terminal (30) managed by a bank (3), a BI holding company ( 5) BI holding company information communication terminal 50 managed by the ordering party 6, ordering information communication terminal 60 managed by the ordering party 6, credit rating agency 70 (produce/produce credit evaluation information for each company/individual) It takes an online configuration pattern that is additionally installed in a series of communication infrastructures that are complexly formed by the credit rating agency information and communication terminals 70 managed by the collection/management company).

In this case, the WWC support system 100 of the present invention may take a structure in which it is subordinated to the program block of the credit rating agency information and communication terminal 70 depending on the situation. At this time, the previous BI holder (5) managed general or e-commerce transactions between the selling company (1) and the purchasing company (2), or issued an electronic tax invoice to the selling company (1) and the purchasing company (2). , as a company that has its own BI, for example, a company that provides a commerce marketplace, a company that issues an e-Bill, etc. may correspond to this. In addition, the previous ordering party 6 is a company or institution that originally placed an order for the transaction between the selling company 1 and the purchasing company 2, for example, a large corporation, a public institution, a public corporation, etc. may correspond to this.

3 is an exemplary diagram conceptually illustrating a detailed configuration of a WWC support system according to the present invention.

Under this infrastructure, as shown in FIG. 3 , the WWC support system 100 according to the present invention mediates a wired/wireless online network 80 (eg, a wired/wireless Internet network), an interface module 101, and the like. to the information communication terminal of the selling company (10), the information communication terminal of the purchasing company (20), the information communication terminal of the guarantee/insurance company (40), the information communication terminal of the bank (30), the information communication terminal of the BI holding company (50), the ordering party While communicating with the information communication terminal 60, the credit rating agency information communication terminal 70, etc., <BI corresponding to the transaction details between the selling company (1) and the purchasing company (2)>, <The credit of the purchasing company (2) The procedure for acquiring and storing credit rating information corresponding to the details>, <purchasing company management information corresponding to the management details of the client (6)>, and <ARI subscription simulation support information>, <ARI issuance review support information> , <loan examination support information>, etc., the WWC support control module 101 that collectively controls the process of generating and storing, and the operation information storage module 103 placed under the control system of the WWC support control module 101, BI acquisition module 105, purchasing company credit evaluation information acquisition module 106, purchasing company management information acquisition module 107, ARI subscription simulation support information processing module 108, ARI issuance review support information processing module 109, Loan review support information processing module 110, support content storage module 111, external request message reception module 112, ARI subscription simulation support module 113, ARI issuance review support module 114, loan review support module ( 115) will take a closely combined configuration.

At this time, the front sales company information communication terminal 10, purchasing company information communication terminal 20, guarantee / insurance company information communication terminal 40, bank information communication terminal 30, BI holding company information communication terminal 50, Client information communication terminal 60, credit rating agency information communication terminal 70, etc. include large computers capable of executing server-level complex functions, including tablet PCs, notebook PCs, desktop PCs, cellular phones, and PCs. Personal Communications Services phone (PCS phone), Synchronous/Asynchronous IMT-2000 (International Mobile Telecommunication-2000), Palm Personal Computer (PDA), Personal Digital Assistant (PDA), Smart phone ), a WAP phone (Wireless application protocol phone), a game machine (Play-station), an e-mail account management server, a personal homepage account management server, etc. may be variously selected depending on the situation.

At this time, on the side of the operation information storage module 103 controlled by the WWC support control module 101, various operational information necessary for the implementation of the WWC support service, for example, the registration information of the person in charge of each sales/purchase company, the information and communication terminal of the sales company Registration information of (10), registration information of the information communication terminal 20 of the purchasing company, registration information of the person in charge of the guarantee/insurance company (4), registration information of the information communication terminal 40 of the guarantee/insurance company, and the business of the bank (3) Person in charge registration information, bank information communication terminal 30 registration information, business person registration information of the BI holding company (5), registration information of the BI holder information communication terminal 50, ordering information (6) business person registration information, ordering address Registration information of the information communication terminal 60, the registration information of the person in charge of the credit rating agency 70, the registration information of the information communication terminal 70 of the credit rating agency, the resource status information of the system 100, each computer module in the system 100 They play a role of stably storing and managing component information necessary for their computerization process in their own information storage area (of course, each of the operation information listed above depends on the system 100 side situation, and its item or scope may vary. It can be added/deleted or changed flexibly).

In a situation where such a base infrastructure is equipped, as shown in FIG. 4 on the side of the external request message reception module 112 controlled by the WWC support control module 101, the interface module 102, the wired/wireless online network 80 ), etc., while communicating with the sales company information communication terminal 10, the guarantee/insurance company information communication terminal 40, the bank information communication terminal 30, etc., various external request messages output/transmitted from them, for example, ARI subscription simulation support request message, ARI issuance review support request message, loan review support request message, etc. are received, and various external request messages that have been received are processed by computer modules suitable for processing the external request message, for example, ARI subscription simulation support module ( 113), ARI issuance review support module 114, loan review support module 115, etc., so that <a series of WWC support services based on AR distribution> according to the present invention can proceed normally without any problems will perform the role.

4 is an exemplary diagram conceptually illustrating a detailed function execution procedure of the WWC support system according to the present invention.

In this situation, on the side of the BI acquisition module 105 controlled by the WWC support control module 101, the purchasing company information and communication terminal 20, BI via the interface module 102, the wired/wireless online network 80, etc. While communicating with the holding company information communication terminal 50 and the like, <BI corresponding to the transaction details between the selling company (1) and the purchasing company (2)> (eg, information on the company name of the purchasing company/seller company, the purchasing company /Business number information of the selling company, business status information of the purchasing company/seller company, transaction amount (eg, supply price) information between the purchasing company/seller company, transaction item information between the purchasing company/seller company, transaction between the purchasing company/seller company Date information, payment condition information between the purchasing company/seller company, etc.) is acquired (refer to FIG. 4 ).

In this way, the BI (eg, purchasing) managed by the purchasing company 20, the BI holding company 5 (eg, a commerce marketplace providing company, an e-Bill issuing company, etc.) Company name information of company/seller company, business number information of purchasing company/seller company, business status information of purchasing company/seller company, transaction amount (eg, supply price) information between purchasing company/seller company, transaction between purchasing company/seller company When the acquisition is completed (item information, transaction date information between purchasing company/seller company, payment condition information between purchasing company/seller company, etc.), the BI acquisition module 105 stores/manages the BI stably in its own information storage area. By doing so, a series of follow-up procedures for WWC support according to the present invention are supported to proceed normally.

On the other hand, on the side of the purchasing company credit evaluation information acquisition module 106 controlled by the WWC support control module 101 together with each of the preceding computer modules, the interface module 102, the wired/wireless online network 80, etc. While communicating with the information and communication terminal 70 of the credit rating agency, the <purchasing company credit rating information corresponding to the credit details of the purchasing company 2> (eg, the financial information of the purchasing company) from the credit rating agency information and communication terminal 70 side Statement information, company overview information of the purchasing company, history information of the purchasing company, credit status information of the purchasing company, information on bad financial transactions of the purchasing company, credit rating information of the purchasing company, cash flow details of the purchasing company, etc.) The procedure will proceed (see FIG. 4).

In this way, the <purchasing company credit rating information> managed by the credit rating agency 7 (eg, financial statement information of the purchasing company, company summary information of the purchasing company, history information of the purchasing company, credit status information of the purchasing company, purchase When the acquisition is completed, the purchasing company credit rating information acquisition module 106 transmits the <purchasing company credit rating information> to itself. By stably storing/managing the information storage area of , it assists a series of WWC support follow-up procedures according to the present invention to proceed normally.

On the other hand, on the side of the purchasing company management information acquisition module 107 controlled by the WWC support control module 101 together with each of the preceding computer modules, the interface module 102, the wired/wireless online network 80, etc. While communicating with the ordering information communication terminal 60, from the ordering information communication terminal 60 side, the purchasing company on the side of the ordering party (eg, large corporation, public institution, public company, etc.) that placed the original order for the transaction between the selling/purchasing company. Purchasing company management information corresponding to the management details> (e.g., contract information with the purchasing company, number/order information with the purchasing company, receivable information of the purchasing company, payment processing information for the purchasing company, ordering address of the purchasing company Delivery information, cooperation information between the purchasing company and the selling company, etc.) will be acquired (refer to FIG. 4).

In this way, the <purchasing company management information> (eg, contract information with the purchasing company, number/order information with the purchasing company, bond information of the purchasing company, When the payment processing information for the purchasing company, delivery information to the ordering party of the purchasing company's purchase quantity, cooperation relationship information between the purchasing company and the selling company, etc.) is completed, the purchasing company management information acquisition module 107 side of the <purchasing company management information > is stably stored/managed in its own information storage area, thereby assisting a series of WWC support follow-up procedures according to the present invention to proceed normally.

On the other hand, through each of the above procedures, <BI managed by the purchasing company (20), BI holding company (5), etc.>, <Purchasing company credit rating information managed by the credit rating agency (7)>, <Order ( For example, in a situation where purchasing company management information> managed by large corporations, public institutions, public companies, etc.) is acquired/stored, the ARI subscription simulation support information processing module 108 controlled by the WWC support control module 101 side After communicating with the BI acquisition module 105, the purchasing company credit rating information acquisition module 106, the purchasing company management information acquisition module 107, etc., and accessing their information storage area, the BI stored therein, the purchasing company A procedure for reading credit rating information and purchasing company management information is performed (see FIG. 4 ).

In this way, the BI acquired by the BI acquisition module 105, the purchasing company credit evaluation information acquisition module 106, the purchasing company management information acquisition module 107, etc., the BI, the purchasing company credit evaluation information, the purchasing company management information, etc. are read When done, the ARI subscription simulation support information processing module 108 proceeds a series of data generation routines based on the read completed information details, for example, <Business company name information of the purchasing company/seller company, business number information of the purchasing company/selling company, Business status information of purchasing company/seller company, transaction amount (eg, supply price) information between purchasing company/seller company, transaction item information between purchasing company/seller company, transaction date information between purchasing company/seller company, purchasing company/selling company Payment terms information, financial statement information of the purchasing company, company overview information of the purchasing company, history information of the purchasing company, credit status information of the purchasing company, information on bad financial transactions of the purchasing company, credit rating information of the purchasing company, purchasing company of cash flow details, contract information between ordering party/buying company, number/ordering information between ordering party/buying company, bond information between ordering party/buying company, payment processing information between ordering party/buying company, delivery information between ordering party/buying company, purchase The process of generating ARI subscription simulation support information that can effectively support the ARI subscription simulation procedure of the seller (1) side by expressing information on cooperation relationship between companies/sellers, etc.> in tables/graphs/images/characters/numbers, etc. (refer to FIG. 4) (Of course, some of the above-described example information may be deleted or other partial information may be newly added depending on the situation).

In this way, the ARI subscription simulation procedure of the seller (1) side (eg, whether the purchasing company is available for credit transactions, the appropriate credit transaction amount, the appropriate credit transaction period, the recoverable amount in case of default, etc.) ARI subscription simulation to support ARI subscription simulation support information that selects a company and calculates the subscription amount for each selected purchasing company, whether the company can subscribe for insurance, whether the company can apply for a loan, etc.) The support information processing module 108 side communicates with the support content storage module 111, accesses its information storage area, and stores/manages the generated ARI subscription simulation support information in the corresponding information storage area. , a series of follow-up procedures for WWC support according to the present invention are supported so that they can proceed normally without any problems (refer to FIG. 4).

On the other hand, through each of the above procedures, <BI managed by the purchasing company (20), BI holding company (5), etc.>, <Purchasing company credit rating information managed by the credit rating agency (7)>, <Order ( For example, in a situation where purchasing company management information> managed by large corporations, public institutions, public companies, etc.) is acquired/stored, the ARI issuance examination support information processing module 109 controlled by the WWC support control module 101 side After communicating with the BI acquisition module 105, the purchasing company credit rating information acquisition module 106, the purchasing company management information acquisition module 107, etc., and accessing their information storage area, the BI stored therein, the purchasing company A procedure for reading credit rating information and purchasing company management information is performed (see FIG. 4 ).

In this way, the BI acquired by the BI acquisition module 105, the purchasing company credit evaluation information acquisition module 106, the purchasing company management information acquisition module 107, etc., the BI, the purchasing company credit evaluation information, the purchasing company management information, etc. are read Then, the ARI issuance examination support information processing module 109 proceeds a series of data generation routines based on the read information details, for example, <Buyer name information of purchasing company/seller company, business number information of purchasing company/selling company, Business status information of purchasing company/seller company, transaction amount (eg, supply price) information between purchasing company/seller company, transaction item information between purchasing company/seller company, transaction date information between purchasing company/seller company, purchasing company/selling company Payment terms information, financial statement information of the purchasing company, company overview information of the purchasing company, history information of the purchasing company, credit status information of the purchasing company, information on bad financial transactions of the purchasing company, credit rating information of the purchasing company, purchasing company of cash flow details, contract information between ordering party/buying company, number/ordering information between ordering party/buying company, bond information between ordering party/buying company, payment processing information between ordering party/buying company, delivery information between ordering party/buying company, purchase Cooperation information between companies/sellers, etc.> is expressed in tables/graphs/images/characters/numbers, etc. to create ARI issuance review support information that can effectively support the ARI issuance review process of the guarantee/insurer (4). The procedure proceeds (refer to FIG. 4) (Of course, the above-described example information may be partially deleted or another partial information may be newly added depending on the situation).

In this way, when the ARI issuance review support information to support the ARI issuance review procedure of the guarantee/insurer 4 is completed, the ARI issuance review support information processing module 109 communicates with the support content storage module 111 After accessing the information storage area and then proceeding with the procedure of storing/managing the generated ARI issuance evaluation support information in the information storage area, a series of follow-up procedures for WWC support according to the present invention can proceed normally without any problems. It will assist you to do so (see FIG. 4).

On the other hand, through each of the above procedures, <BI managed by the purchasing company (20), BI holding company (5), etc.>, <Purchasing company credit rating information managed by the credit rating agency (7)>, <Order ( For example, in a situation where purchasing company management information> managed by large corporations, public institutions, public corporations, etc.) is acquired/stored, the loan review support information processing module 110 controlled by the WWC support control module 101 has BI After communicating with the acquisition module 105, the purchasing company credit evaluation information acquisition module 106, the purchasing company management information acquisition module 107, etc., and accessing their information storage area, the BI stored therein, the purchasing company credit A procedure for reading evaluation information and purchasing company management information is performed (see FIG. 4 ).

In this way, the BI acquired by the BI acquisition module 105, the purchasing company credit evaluation information acquisition module 106, the purchasing company management information acquisition module 107, etc., the BI, the purchasing company credit evaluation information, the purchasing company management information, etc. are read Then, the loan examination support information processing module 110 proceeds with a series of data generation routines based on the read information details, for example, <Buyer name information of the purchasing company/seller company, business number information of the purchasing company/selling company, purchase Business status information of company/seller, transaction amount (eg, supply price) information between purchasing company/seller company, transaction item information between purchasing company/seller company, transaction date information between purchasing company/seller company, between purchasing company/seller company Payment terms information, financial statement information of the purchasing company, company outline information of the purchasing company, history information of the purchasing company, information on the credit status of the purchasing company, information on bad financial transactions of the purchasing company, credit rating information of the purchasing company, information of the purchasing company Cash flow details information, contract information between ordering party/buying company, number/ordering information between ordering party/buying company, bond information between ordering party/buying company, payment processing information between ordering party/buying company, delivery information between ordering party/buying company, purchasing company /Cooperation information between vendors, etc.> is expressed in tables/graphs/images/characters/numbers, etc., and the process of generating loan review support information that can effectively support the loan review process of the bank (3) is carried out. (See FIG. 4) (Of course, the above-described example information may be partially deleted or another partial information may be newly added depending on circumstances). In this way, when the loan review support information for supporting the loan review procedure of the bank 3 is completed, the loan review support information processing module 110 communicates with the support content storage module 111 and stores the information. After accessing the area, the procedure of storing/managing the generated loan examination support information in the corresponding information storage area is performed, thereby assisting a series of WWC support follow-up procedures according to the present invention to proceed normally without any problems (Fig. see 4).

Meanwhile, through each of the above procedures, <ARI subscription simulation support information to support the ARI subscription simulation process of the seller (1)>, and <ARI to support the ARI issuance review process of the guarantee/insurer (4) side In the situation where the issuance examination support information> and <loan examination support information to support the loan examination procedure of the bank (3)> are each stably stored/managed in the information storage area of the support content storage module 111, When it is confirmed that <the external request message transmitted from the vendor information and communication terminal 10 side, for example, the ARI subscription simulation support request message has been received> is confirmed by the function of the external request message reception module 112, WWC support control The ARI subscription simulation support module 113 side controlled by the module 101 immediately communicates with the support content storage module 111, accesses its information storage area, and the information stored in the information storage area in advance. A procedure of extracting <ARI subscription simulation support information for supporting the ARI subscription simulation procedure of the vendor (1)> is performed (refer to FIG. 4). In this way, when the <ARI subscription simulation support information to support the ARI subscription simulation procedure of the vendor (1)> is extracted, the ARI subscription simulation support module 113 side uses the interface module 102 and the wired/wireless online network (80) communicates with the information and communication terminal 10 of the seller, etc., and sends the extracted <ARI subscription simulation support information to support the ARI subscription simulation procedure of the seller (1)> to the seller information and communication A procedure for transmitting to the terminal 10 is performed (refer to FIG. 4).

Of course, in this situation, the ARI subscription simulation support information provided to the information communication terminal 10 of the selling company includes, for example, <purchasing company/seller company name information, purchasing company/selling company business number information, purchasing company/selling company business status information, transaction amount (eg, supply price) information between purchasing company/seller company, transaction item information between purchasing company/seller company, transaction date information between purchasing company/seller company, payment condition information between purchasing company/seller company, Financial statement information of the purchasing company, company outline information of the purchasing company, history information of the purchasing company, credit status information of the purchasing company, information on bad financial transactions of the purchasing company, credit rating information of the purchasing company, cash flow details of the purchasing company , contract information between ordering party/buying company, number/ordering information between ordering party/buying company, bond information between ordering party/buying company, payment processing information between ordering party/buying company, delivery information between ordering party/buying company, between purchasing company/selling company Since cooperation information, etc.> is expressed in detail with tables/graphs/images/characters/numbers, etc., the seller (1) side of the seller (1) needs a series of ARI subscription simulation procedures (e.g., credit transaction of the purchasing company) without any difficulty. By identifying availability, appropriate credit transaction amount, appropriate credit transaction period, and recoverable amount in case of bankruptcy, purchase companies that can issue ARI are selected, and the subscription amount for each selected purchasing company, whether the company can subscribe to insurance, and the company’s A simulation procedure that calculates the possibility of applying for a loan, etc.) can be effectively carried out, and in the end, it is possible to more easily judge whether the company can apply for insurance, whether it can apply for a loan, etc.

Meanwhile, through each of the above procedures, <ARI subscription simulation support information to support the ARI subscription simulation process of the seller (1)>, and <ARI to support the ARI issuance review process of the guarantee/insurer (4) side In the situation where the issuance examination support information> and <loan examination support information to support the loan examination procedure of the bank (3)> are each stably stored/managed in the information storage area of the support content storage module 111, By performing the function of the external request message reception module 112, an external request message, for example, an ARI issuance review support request message transmitted from the <sales company information communication terminal 10, guarantee/insurance company information communication terminal 40, etc. is received >, the ARI issuance examination support module 114 controlled by the WWC support control module 101 immediately communicates with the support content storage module 111 and accesses its information storage area. , the procedure of extracting <ARI issuance review support information to support the ARI issuance review process of the guarantee/insurer (4) side> stored in the corresponding information storage area in advance (refer to FIG. 4).

In this way, when the <ARI issuance review support information to support the ARI issuance review procedure of the guarantee/insurer (4) side> is extracted, the ARI issuance review support module 114 side uses the interface module 102, wired/wireless online Communication with the guarantee/insurer information and communication terminal 40 through the network 80, etc. to ensure the extracted <ARI issuance review support information to support the ARI issuance review process of the guarantee/insurer (4) side> / The procedure of transmitting to the information and communication terminal 40 of the insurance company is performed (see FIG. 4 ).

Of course, in this situation, the ARI issuance examination support information provided to the information and communication terminal 40 of the guarantee/insurance company includes, for example, <purchasing company/seller company name information, purchasing company/selling company business number information, purchasing company/sales information. Business status information of a company, transaction amount (eg, supply price) information between purchasing company/seller company, transaction item information between purchasing company/seller company, transaction date information between purchasing company/seller company, payment condition information between purchasing company/seller company , financial statement information of the purchasing company, corporate overview information of the purchasing company, history information of the purchasing company, credit status information of the purchasing company, information on bad financial transactions of the purchasing company, credit rating information of the purchasing company, cash flow details of the purchasing company Information, contract information between ordering party/buying company, number/ordering information between ordering party/buying company, bond information between ordering party/buying company, payment processing information between ordering party/buying company, delivery information between ordering party/buying company, purchasing company/selling company Since the information on cooperation between the two companies> is expressed in detail with tables/graphs/images/characters/numbers, etc., the warranty/insurance company (4) does not have any difficulties with the evaluation data related to the purchasing company, transaction information related to the purchasing company, and the purchasing company. While grasping the related bond confirmation information, a series of ARI issuance examination procedures can be carried out more effectively, and ultimately, it is possible to more easily determine whether the ARI is available for the selling company (1).

Meanwhile, through each of the above procedures, <ARI subscription simulation support information to support the ARI subscription simulation process of the seller (1)>, and <ARI to support the ARI issuance review process of the guarantee/insurer (4) side In the situation where the issuance examination support information> and <loan examination support information to support the loan examination procedure of the bank (3)> are each stably stored/managed in the information storage area of the support content storage module 111, By performing the function of the external request message receiving module 112, it is assumed that <the external request message sent from the seller information communication terminal 10, the bank information communication terminal 30, etc., for example, a loan review support request message has been received>. If confirmed, the loan review support module 115 side controlled by the WWC support control module 101 immediately communicates with the support content storage module 111, accesses its information storage area, and stores the information A procedure for extracting <loan examination support information to support the loan examination procedure of the bank 3> stored in the area in advance is performed (refer to FIG. 4).

In this way, when the <loan examination support information for supporting the loan examination procedure of the bank 3> is extracted, the loan examination support module 115 side has the interface module 102, wired/wireless online network 80, etc. The procedure of transmitting the extracted <loan examination support information to support the loan examination procedure of the bank (3)> to the bank information communication terminal 50 side by communicating with the information communication terminal 30 of the bank through the It proceeds (see FIG. 4).

Of course, in this situation, the loan review support information provided to the bank information and communication terminal 40 includes, for example, <purchasing company/seller company name information, purchasing company/selling company business number information, purchasing company/selling company business status. information, transaction amount (eg, supply price) information between purchasing company/seller company, transaction item information between purchasing company/seller company, transaction date information between purchasing company/seller company, payment condition information between purchasing company/seller company, purchasing company financial statement information of the purchasing company, company overview information of the purchasing company, history information of the purchasing company, credit status information of the purchasing company, information on bad financial transactions of the purchasing company, credit rating information of the purchasing company, cash flow details of the purchasing company, ordering /Contract information between purchasing companies, number/ordering information between ordering parties/buying companies, bond information between ordering partners/buying companies, payment processing information between ordering parties/buying companies, delivery information between ordering partners/buying companies, cooperative relationship between purchasing companies/sellers Information, etc.> is expressed in detail in tables/graphs/images/characters/numbers, etc., so the bank (3) does not have any difficulty on the part of the purchasing company, such as evaluation data, transaction information related to the purchasing company, bond confirmation information related to the purchasing company, etc. It is possible to carry out a series of loan examination procedures more effectively by grasping all of the above, and in the end, it is possible to more easily determine whether a loan is possible for the selling company (1).

As described above, in the present invention, in the communication pipeline such as the sales company information communication terminal 10, the guarantee/insurance company information communication terminal 40, and the bank information communication terminal 30 connected to the wired/wireless online network 80, < A computer module that can acquire and store/manage BI corresponding to the transaction details between the selling/purchasing companies that have mutual receivables/debt relationship through AR>, <Credit evaluation corresponding to the credit details of the purchasing company (2) Computer module that can acquire and store/manage information>, <Purchasing company management on the side of the ordering party (6) (eg, large corporations, public institutions, public corporations, etc.) that originally placed the transaction between sales/purchasing companies (1,2) ARI subscription of the seller (1) side based on the computer module that can acquire and store/manage purchasing company management information corresponding to the details>, <acquired BI, purchasing company credit evaluation information, purchasing company management information, etc. ARI subscription simulation support information to support the simulation process, ARI issuance review support information to support the ARI issuance review process on the guarantee/insurer (4) side, and loan review support information to support the loan review on the bank (3) side According to the request message transmitted from the computer module that can create, store/manage, and the like>, <the sales company information communication terminal 10, the guarantee/insurance company information communication terminal 40, the bank information communication terminal 30, etc. A computerized module that can transmit/provide ARI subscription simulation support information, ARI issuance review support information, and loan review support information to vendors (1), guarantee/insurers (4), banks (30), etc.> Therefore, under the implementation environment of the present invention, the seller (1) can easily determine whether it is possible to apply for its own insurance, whether it is possible to apply for its own loan, etc., based on the above ARI subscription simulation support information, without any difficulty. Additional procedures unnecessary for guarantee/insurance companies (4), banks (3), etc. (e.g., procedures to secure the credit rating information of the purchasing company, the procedure to request/receive the issuance of AR from the purchasing company, etc.) No, based on the above ARI issuance examination support information, loan examination support information, etc. The ARI issuance examination procedure and loan examination procedure of the company can be carried out effectively, and in the end, the selling company (1) easily avoids various damages due to non-issuance of ARI and various damages due to non-payment of loan, and Even win-win cooperation with the purchasing company (2), which is a top-tier company, can be optimized.

The present invention is not limited to a specific field, and exhibits a useful overall effect in various fields requiring the management of upward cooperation between companies.

And, although specific embodiments of the present invention have been described and illustrated above, it is obvious that the present invention may be practiced with various modifications by those skilled in the art. Such modified embodiments should not be individually understood from the technical spirit or point of view of the present invention, and such modified embodiments should fall within the scope of the appended claims of the present invention.

1: Selling company 2: Buying company 3: Bank 4: Guarantee/insurer 5: BI holder
6: Buyer 7: Credit rating agency 10: Selling company Information and Communication Terminal
20: Purchasing company information and communication terminal 30: Bank information and communication terminal
40: Guarantee/insurance company information communication terminal 50: BI holding company information communication terminal
60: Client information and communication terminal 70: Credit rating agency information and communication terminal
80: Wired/wireless online network 100: WWC support system
101: WWC support control module 102: interface module 103: operation information storage module
105: BI acquisition module 106: purchasing company credit rating information acquisition module
107: purchasing company management information acquisition module
108: ARI subscription simulation support information processing module
109: ARI issuance review support information processing module
110: loan review support information processing module 111: support content storage module
112: external request message reception module 113: ARI subscription simulation support module
114: ARI issuance review support module 115: Loan review support module

Claims (4)

It communicates with the information communication terminal of the sales company, the information communication terminal of the guarantee/insurance company, and the information communication terminal of the bank connected to the wired/wireless online network, In the WWC support system based on AR distribution that supports Win-Win Cooperation between the enterprise (WWC) between the selling company and the purchasing company having a bond/debt relationship,
Company name information of purchasing company/seller company, business number information of purchasing company/seller company, business status information of purchasing company/seller company, transaction amount information between purchasing company/seller company, transaction item information between purchasing company/seller company, purchasing company / A BI acquisition module that stores at least one of the transaction date information between the selling companies or the transaction information between the selling company and the purchasing company (BI: Business Information between the selling/buying enterprise), including information on the payment terms between the purchasing company and the selling company ;
Financial statement information of the purchasing company, company overview information of the purchasing company, history information of the purchasing company, credit status information of the purchasing company, information on bad financial transactions of the purchasing company, credit rating information of the purchasing company, or cash flow details of the purchasing company a purchasing company credit evaluation information acquisition module for storing purchasing company credit evaluation information including at least one of the information;
Contract information between the ordering party and the purchasing company, the number/ordering information between the ordering party and the purchasing company, bond information of the purchasing company, payment processing information for the purchasing company, delivery information of the ordering party of the purchasing company's purchase quantity, or the purchasing company and the selling company a purchasing company management information acquisition module for storing at least one of purchasing company management information including cooperation relationship information between the two;
Company name information of purchasing company/seller company, business number information of purchasing company/seller company, business status information of purchasing company/seller company, transaction amount information between purchasing company/seller company, transaction item information between purchasing company/seller company, purchasing company /Transaction date information between sellers, payment condition information between purchasing companies/sellers, financial statement information of purchasing companies, company outline information of purchasing companies, history information of purchasing companies, credit status information of purchasing companies, financial transactions of purchasing companies Defect breakdown information, credit rating information of purchasing company, cash flow history information of purchasing company, contract information between ordering party/buying company, number/ordering information between ordering party/buying company, bond information between ordering party/buying company, information between ordering company/buying company Account receivable insurance (ARI) subscription simulation support information in which payment processing information, delivery information between the ordering party/purchasing company, and cooperative relationship information between the purchasing company/seller company is expressed in tables, graphs, images, letters, and numbers, ARI a support content storage module for storing at least one of issuance review support information and loan review support information;
While communicating with the information communication terminal of the vendor through the wired/wireless online network, according to a request message transmitted from the information communication terminal of the vendor, it communicates with the support content storage module to receive the ARI subscription simulation support information. After extraction, the ARI subscription simulation support module for transmitting the extracted ARI subscription simulation support information to the sales company information and communication terminal side;
According to a request message transmitted from the seller information communication terminal or the guarantee/insurance information communication terminal while communicating with the seller information communication terminal or the guarantee/insurance information communication terminal through the wired/wireless online network, the an ARI issuance review support module that communicates with a support content storage module, extracts the ARI issuance review support information, and transmits the extracted ARI issue assessment support information to the guarantee/insurer information communication terminal; and
While communicating with the vendor information communication terminal or the bank information communication terminal via the wired/wireless online network, according to a request message transmitted from the vendor information communication terminal or the bank information communication terminal side, the support content storage module; WWC support system based on AR distribution, characterized in that it includes a loan review support module that communicates, extracts the loan review support information, and transmits the extracted loan review support information to the bank information communication terminal. The method of claim 1,
After communicating with the BI acquisition module, the purchasing company credit evaluation information acquisition module, or the purchasing company management information acquisition module to read the BI, the purchasing company credit rating information, or the purchasing company management information, based on the read contents, data By proceeding with the creation routine, information on the company name of the purchasing company/seller company, the business number information of the purchasing company/seller company, the business status information of the purchasing company/seller company, the transaction amount information between the purchasing company/seller company, and the Transaction item information, transaction date information between purchasing company/seller company, payment condition information between purchasing company/seller company, financial statement information of purchasing company, company outline information of purchasing company, history information of purchasing company, credit status information of purchasing company , information on bad financial transactions of the purchasing company, credit rating information of the purchasing company, cash flow details of the purchasing company, contract information between the ordering party/buying company, number/ordering information between the ordering party/buying company, bond information between the ordering party/buying company , at least one of ARI subscription simulation support information in which payment processing information between the ordering party/purchasing company, delivery information between the ordering party/purchasing company, or cooperative relationship information between the purchasing company/selling company is expressed in tables, graphs, images, letters, and numbers create,
The WWC support system based on AR distribution further comprises an ARI subscription simulation support information processing module that communicates with the support content storage module and stores the generated ARI subscription simulation support information. The method of claim 1,
After communicating with the BI acquisition module, the purchasing company credit evaluation information acquisition module, or the purchasing company management information acquisition module to read the BI, the purchasing company credit rating information, or the purchasing company management information, based on the read contents, data By proceeding with the creation routine, company name information of the purchasing company/seller company, business number information of the purchasing company/seller company, business status information of the purchasing company/seller company, transaction amount information between the purchasing company/seller company, and between the purchasing company/seller company Transaction item information, transaction date information between purchasing company/seller company, payment condition information between purchasing company/seller company, financial statement information of purchasing company, company outline information of purchasing company, history information of purchasing company, credit status information of purchasing company , information on bad financial transactions of the purchasing company, credit rating information of the purchasing company, cash flow details of the purchasing company, contract information between the ordering party/buying company, number/ordering information between the ordering party/buying company, bond information between the ordering party/buying company , at least one of ARI issuance examination support information in which payment processing information between the ordering party/purchasing company, delivery information between the ordering party/purchasing company, or cooperative relationship information between the purchasing company/selling company is expressed in tables, graphs, images, letters, and numbers create,
The WWC support system based on AR distribution, characterized in that it further comprises an ARI issuance review support information processing module that communicates with the support content storage module and stores the generated ARI issue assessment support information. The method of claim 1,
After communicating with the BI acquisition module, the purchasing company credit rating information acquisition module, or the purchasing company management information acquisition module, the BI, the purchasing company credit rating information, or the purchasing company management information is read, and data is generated based on the read contents By proceeding with the routine, company name information of purchasing company/seller company, business number information of purchasing company/seller company, business status information of purchasing company/seller company, transaction amount information between purchasing company/seller company, transaction between purchasing company/seller company Item information, transaction date information between purchasing company/seller company, payment condition information between purchasing company/seller company, financial statement information of purchasing company, company overview information of purchasing company, history information of purchasing company, credit status information of purchasing company, Bad financial transaction information of the purchasing company, credit rating information of the purchasing company, cash flow details of the purchasing company, contract information between the ordering party/buying company, number/ordering information between the ordering party/buying company, bond information between the ordering party/buying company, At least one of loan evaluation support information expressed in tables, graphs, images, letters, and numbers in which payment processing information between the ordering party/purchasing company, delivery information between the ordering party/purchasing company, or cooperative relationship information between the purchasing company/seller company is generated, ,
WWC support system based on AR distribution, characterized in that it further comprises a loan review support information processing module that communicates with the support content storage module and stores the generated loan review support information.

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