KR100706083B1 - Complex system for managing capital adjustment and a method for the same - Google Patents

Abstract

The present invention relates to a system and method for operating a complex fund settlement, and more specifically, a corporation or a bank may execute settlement of a trading contract subordinate at a time, and may be dynamically changed according to various conditions based on a transaction in which payment is confirmed. In accordance with the present invention, a bank can expect to generate new profits, and a company can manage new revenues. If necessary, it can effectively raise necessary funds.

In addition, such a complex fund settlement operating system and method can be widely applied to various business fields such as real estate or golf facilities management as well as payment between companies, and the application of such a system enables stable and fast payments. There is.

Fund Settlement, Bank, Transaction History, Escrow, Loan, Credit, Tree Structure

Description

Complex system for managing capital adjustment and a method for the same}

1 is a block diagram schematically showing the configuration of a complex fund settlement operating system according to an embodiment of the present invention;

2 is a flowchart schematically showing a method for operating a complex fund settlement according to an embodiment of the present invention;

3 is a view showing a payment relationship in the form of a hierarchical tree structure between a buyer and a seller in a complex fund settlement operating method according to an embodiment of the present invention.

The present invention relates to a system and method for operating a complex fund settlement, and more specifically, a corporation or a bank may execute settlement of a trading contract subordinate at a time, based on a transaction in which payment is made from a buyer to a seller. The present invention relates to a complex fund settlement operating system and method that allows loans to be made according to dynamically calculated limits according to various conditions so that the funds can be operated in a complex and more efficient manner.

The way in which banks settle the funds under a contract entered into by a company in commerce is an electronic method such as an account transfer method, a purchase card or reverse purchase card, or a purchase loan, which are paid using the bank's transfer system to an account designated by the company. It can be classified into the processing method using corporate financial products.

Banks' processing of funds is based on existing 1: 1 contracts. Currently, however, commerce is carried out by several companies simultaneously, and payment is based on downward sequential payments.

For example, in the process of collecting and selling a department store, the department store pays the sales price to the primary supplier on the specified date, and the primary supplier pays the individual product supplier. In this way, payment is paid to the final producer, which has a problem that it takes up to several months depending on the stage. In addition, this method also leads to a chain default of sub-distributors of sub-distributors of intermediate distributors.

In addition, the escrow payment recently introduced to remove instability of internet transactions (after the sale and payment of the Internet, the payment is stored in the escrow account of a trusted institution, and then sent to the merchant account after the buyer's final purchase decision. Due to the payment method that is deposited, there was a problem that the Internet sales operator cannot use the payment price until the final purchase of the buyer after the goods are delivered even though the sales are generated by the sales contract.

In order to solve or alleviate these problems, classify transactions that have been settled by the buyer from the buyer during the Internet transaction, set loan limits for the seller with the settled payment amount, and provide funds to businesses. A system is needed.

Existing loan systems are provided by companies in need of loans, providing collateral to banks and loans. The bank's credit system calculates the credit limit based on the collateral (including deposits) provided, regardless of the company's presence and ability.

However, there is a problem that the loan system as described above does not reflect the timely demand for funds due to the performance change of online or offline commerce companies.

SUMMARY OF THE INVENTION The present invention has been made to solve the above-mentioned conventional problems, and an object of the present invention is to provide a combined funds settlement operating system and method capable of collectively processing funds at a temporary or contracted time in accordance with a combined funds contract. There is.

It is a further object of the present invention to provide a complex fund settlement operating system and method capable of dynamic credit calculation based on a firm's trading capabilities, in particular the amount of payments paid from the buyer to the seller.

Complex fund settlement operating system of the present invention for achieving the above object,

One or more subscriber interfaces;

Receive a transaction history from the at least one subscriber interface, and based on the transaction relationship between the corresponding buyer and seller of each transaction history, a payment relationship in a hierarchical tree structure for the transaction relationship between the buyer and the seller for a plurality of transaction details If the payment to the lower tier seller from the top tier buyer in the payment relationship of the hierarchical tree structure form is determined, the payment is made when the payment date according to the corresponding transaction details arrives. When the loan request of the subscriber is divided by the payment amount and paid to the accounts of the lower tier sellers and the lower tier sellers of the lower tier sellers, and the loan limit is set for the subscriber based on the determined payment amount. Multi-billed Fund Settlement for Loan within Set Limit .; And

And a database for receiving and storing registered subscribers, transaction details, payment settlement status, and payment payment status from the multiple payment server.

In addition, the composite fund settlement operating method of the present invention for achieving the above object,

A step 100 in which the fund multiple settlement server receives transaction details from at least one subscriber interface and stores the transaction details in a database;

After the multi-account server set the buyer of the transaction history stored in the database as a higher level hierarchy for the seller of the transaction history, the hierarchical tree structure of the transaction relationship between the buyer and the seller for a plurality of transaction history Step 200 of forming a payment relationship in the form and storing it in a database;

Step 300, the multi-account settlement server determining whether the payment for the lower-tier hierarchical seller is determined from the upper-tier hierarchical buyer in the hierarchical payment structure of the hierarchical tree structure stored in the database;

If the payment is made in the payment step 300 is made, step 400 of paying the amount divided by the seller to the seller's account on the payment date for each seller; includes, between the steps 300 and 400 In step 310, setting a loan limit based on the amount determined to be paid to the subscriber; And determining whether a loan request is input from the subscriber interface (320). And in step 320, if there is a loan request in step 320, making a loan within a limit set in step 310; It further comprises.

Hereinafter, with reference to the accompanying drawings, a combined funds settlement operating system and method according to an embodiment of the present invention will be described in detail.

1 is a block diagram schematically showing the configuration of a complex fund settlement operating system according to an embodiment of the present invention.

Subscriber interface (10) receives the registration whether to register in the complex fund settlement service from the buyer or seller of the transaction contract, and receives the transaction details from the subscriber subscribed to the service, if the loan is required to receive a loan request Perform.

The multi fund settlement server 20 is a server for providing a corresponding service in a financial institution providing a complex fund settlement service, receives transaction details from the subscriber interface 10, stores the transaction details in the database 30, and receives each transaction. Based on the transaction relationship between the buyer and seller in the details, the transaction relationship between the buyer and the seller is composed of a payment relationship in a hierarchical tree structure for a plurality of transactions. In addition, when payment is made to the lower tier seller from the top tier buyer in the payment structure in the hierarchical tree structure, the payment date of the seller according to each transaction details (receipt date for each sub seller) When it arrives, the payment is divided into the payment amount and serves to pay the accounts of the lower tier sellers and lower tier sellers of the lower tier sellers. In addition, the fund multi-settlement server 20 sets the loan limit for the subscriber stored in the database 30 and stores it in the database 30, and if a loan request is input from the subscriber interface 10 of the loan limit set for the subscriber It serves to pay the relevant amount to the subscriber account 40 within the scope.

Here, the multi-fund settlement server 20 may dynamically calculate the loan limit based on the amount of payment determined to be paid to the subscriber, and may also dynamically calculate the loan limit based on the subscriber's sales performance. In addition, the subscriber's delivery can be dynamically calculated by reflecting the confirmed results, claim details, and repayment results. At this time, the subscriber's loan limit is renewed in a short period of time, usually on a daily basis.

In addition, the funds multi-settlement server 20 also serves to repay the loan of the subscriber having a loan history, automatic repayment processing method of the method of deducting the loans from the payment is determined by the multi-payment server 20 It is mainly used, and a method of repaying the loan as the next loan, the method of receiving direct deposit from the subscriber through the subscriber account 40 may be used.

The database 30 receives and stores registered subscribers, transaction details, payment status, and payment status from the multiple payment server 20, and stores a payment relationship in a hierarchical tree structure configured based on the stored data. It plays a role.

The subscriber account 40 is a financial account for the subscribers registered in the complex fund settlement service to receive payment, and when the payment date according to the transaction details arrives at the multi-account settlement server 20 of the financial institution, the subscriber pays the corresponding payment amount. Payment to the account 40. In addition, the subscriber account 40 also serves to receive the loan amount according to the loan request of the subscriber, it can also be used as a repayment account of the loan amount.

The network communication network 50 serves as a communication network that enables the multipayment server 20 to communicate with one or more subscriber interfaces 10 or one or more subscriber accounts 40.

2 is a flowchart schematically showing a method for operating a complex fund settlement according to an embodiment of the present invention.

First, the multi-fund settlement server 20 receives the transaction history from the one or more subscriber interface 10 and stores in the database 30 (S100). Here, the subscriber interface 10 refers to a terminal connected to a subscriber registered and subscribed to a complex fund settlement service provided by a financial institution having a multi-account settlement server 20. In addition, in the above process, the buyer (who should be paid) and the seller (who should be paid) can each or one of them enter the transaction details. In addition, the transaction details include information such as the seller, buyer, product information, payment date of the transaction.

Next, the multi-fund settlement server 20 sets the corresponding buyer of the transaction history stored in the database 30 as a higher tier to the seller of the transaction history, and then the buyer and seller for the plurality of transaction details. The transaction relationship is configured in a payment relationship in the form of a hierarchical tree structure and stored in the database 30 (S200). The payment relationship in a hierarchical tree structure form of the transaction relationship between the buyer and the seller stored in the database 30 is shown in more detail in FIG. 3.

Here, with reference to the accompanying Figure 3 will be described in more detail the payment relationship in the form of a hierarchical tree structure between the buyer and seller in the method of operating a complex fund settlement according to an embodiment of the present invention.

In fact, when analyzing a contract related to a contract delivery between companies, as shown in FIG. The first seller D101 then purchases the goods or raw materials from the second seller D102 to obtain the goods for delivery to the buyer D100. In addition, the secondary seller (D102) purchases goods for delivery from the third seller (D103). That is, the relationship between the buyer and the seller composed of the upper layer and the lower layer has a kind of tree structure. The above process may be terminated in step 1, but in practice, it often occurs repeatedly to reach the lowest seller (D104).

After the purchase contract is made, each seller must be paid. As shown in FIG. 3, the portion of the payment that the buyer D100 pays to the first seller D101 except for the profit of the sales of the first seller D101 should actually be paid to the second seller D102 or the lower seller. do. As described above, in order for sellers of each tier to be paid, payments must be confirmed from the buyer D100.

To this end, in the payment relationship of the hierarchical tree structure stored in the database 30, the multi-fund settlement server 20 determines whether the payment for the lower tier seller is paid from the upper tier buyer (S300). Here, the top tier buyer refers to the buyer D100 in FIG. 3, and since there are a plurality of hierarchical payout relationships formed by various kinds of transaction details in the database 30, the top tier buyer may also There may be more than one depending on the payment relationship in the tree structure. Payment by the uppermost layer of the buyer can be a variety of payment methods, such as bank transfer method, purchase card method, reverse purchase card method, and purchase money loan method.

When the payment of the payment to be made after the payment is confirmed by the top tier buyer in step 300 (S300), the amount divided by seller is paid to the seller's account on the payment date of the seller (S400).

For example, when the payment for the transaction with seller 1 is made from the highest tier buyer (buyer D100), the funds multi-settling server 20 includes sellers who are in the lower tier of seller 1, including seller 1. You will be paid. In this case, in principle, the price paid by the buyer D100 is delivered to seller 1, and a part of the amount transferred to seller 1 is transferred to seller 1-1, seller 1-2, ..., seller 1-N. In this way, payments should be made to the final lower tier sellers sequentially, but since the multi-accounting server 20 can identify the status of each trader in the transaction details, the sellers should be paid sequentially. You can make payments at one time without having to pay. In this case, the payment amount to be distributed between the sellers is divided and calculated according to the transaction details stored in the database 30.

In addition, the execution of such payment can be performed by the conditions specified in the transaction details. That is, the temporary payment of the price may be executed at the moment when the payment is made from the top tier buyer (buyer D100), or may be executed when the contracted payment date on the transaction details between the buyer and seller between each tier arrives. Here, the payment date on each transaction history may be set differently.

Apart from the process of collectively paying the sellers for each tier, the loan service may be provided on a predetermined basis according to the loan request of the registered subscriber. When payment is determined by the uppermost tier buyer in step 300 (S300), if a loan request is input from the subscriber interface 10 (S320), the funds multi-settlement server 20 provides a corresponding amount within the loan limit of the corresponding subscriber. To the subscriber account 40 (S500).

At this time, there are various ways to calculate the loan limit of each subscriber. Firstly, it can be calculated based on the amount of money that is determined to be paid to the subscriber. Dynamically calculated cycles are short term, often updating the loan limit on a daily basis. In addition, if the subscriber is engaged in a plurality of contracts, the loan limit is calculated based on the sum of the amount of payments for which payments are confirmed from each contract.

As a second method of calculating the loan limit, the loan limit may be calculated based on the subscriber's sales performance. That is, for example, the loan limit of the subscriber is calculated based on the average sales of the last three months. In this case as well as the first method, it is calculated dynamically and the loan limit is updated in the short term such as daily unit.

As a third method of calculating the loan limit, the limit can be dynamically calculated by inputting an evaluable variable such as a tracked delivery result and a customer's claim history. For example, if you want to run a loan before the credit card company's deposit date for the payment made with your credit card at the Internet shopping mall, the loan limit is dynamically calculated in consideration of transactions confirmed to be delivered and the rate of claiming in the existing transaction history. Loans can be made before credit card deposits. In this case, as in the first and second methods, the credit limit is calculated dynamically, and the loan limit is updated in the short term such as daily unit.

In addition, after the payment of the payment determined in step 300 is completed, the loan status is checked for each seller to check whether there is a loan history that has not been repaid (S350). If you have a loan that has not been repaid, you will need to repay the loan first. Therefore, the seller with the loan history goes through the process of receiving repayment of the loan. The specific process is as follows.

After the multiple payment server 20 divides the amount of the payment into the payment amount for each seller, when the payment date according to the transaction details arrives for each seller, the loan of the corresponding loan details is automatically repaid from the deposited amount. Pay the balance deducted from the repaid loan to the subscriber's account of the seller (S600).

At this time, the method of repaying the loan is a method of repaying the loan as the next loan in addition to the automatic repayment processing method of the method of deducting the loan from the payment determined by the multiple payment server 20, the subscriber account (40) It is also possible to use direct deposit of capital from the company.

In addition, after the payment of the payment to be paid in step 350 (S350) to determine the loan status for each seller, if there is no loan details that were not repaid, the payment paid by the subscriber through the payment process of step 400 (S400) Get it.

In the loan process, that is, when the escrow type payment system is used in step 500 (S500), the fund multi-settlement server 20 pays the loan using the funds before the purchase decision. In other words, if the seller deposits the amount to be paid according to the purchaser's purchase in advance to the financial institution, a portion of the funds held as the deposit according to the seller's loan request is made as the loan even before the decision to purchase the item is made. Will be paid.

Although the present invention has been described in more detail with reference to several embodiments, the present invention is not necessarily limited to these embodiments, and various modifications can be made without departing from the spirit of the present invention.

As described above, according to the system and method for operating the mixed funds settlement according to the present invention, a company subscribing to the multiple funds settlement operating service can execute the settlement for the trading contract subordinate company at a time, and the payment from the buyer to the seller can be made. It is possible to improve loan liquidity of relatively small sellers by facilitating loans based on the determined amount.

In addition, if a comprehensive financial product is developed based on the company's complex accounting functions and transactions of Internet shopping mall operators, banks can expect to generate new profits. It has the effect of raising necessary funds.

In addition, such a complex fund settlement operating system and method can be widely applied to various business fields such as real estate or golf facilities management as well as payment between companies, and the application of such a system enables stable and fast payments. There is.

Claims (12)

One or more subscriber interfaces; Receive a transaction history from the at least one subscriber interface, and based on the transaction relationship between the corresponding buyer and seller of each transaction history, a payment relationship in a hierarchical tree structure for the transaction relationship between the buyer and the seller for a plurality of transaction details If the payment to the lower tier seller from the top tier buyer in the payment relationship of the hierarchical tree structure form is determined, the payment is made when the payment date according to the corresponding transaction details arrives. When the loan request of the subscriber is divided by the payment amount and paid to the accounts of the lower tier sellers and the lower tier sellers of the lower tier sellers, and the loan limit is set for the subscriber based on the determined payment amount. Loan within the set limit, and loan by seller A multiple payment server for repaying and processing loans of subscribers having a loan history by grasping the current status; And A method of operating a complex fund settlement system using a complex fund settlement operation system including a database for receiving and storing a registered subscriber, a transaction history, a payment settlement status, and a payment payment status from the fund multiple settlement server, The multi-payment server, A step 100 of receiving a transaction history including a seller, a buyer, product information, a payment date, etc. of a corresponding transaction from at least one subscriber interface; After setting the corresponding buyer of the transaction history stored in the database as a higher level of hierarchy for the seller of the transaction history, the transaction relationship between the buyer and the seller for the plurality of transaction details is settled in a hierarchical tree structure. Step 200 of constructing and storing in a database; Determining whether the payment for the lower tier seller is determined from the upper tier buyer in the payment relationship of the hierarchical tree structure stored in the database; Step 310 of setting a loan limit based on the amount of money that is determined to be paid to the subscriber; Determining whether a loan request has been input from the subscriber interface (320); If there is a loan request in step 320, making a loan within a limit set in step 310; And When the payment is made in step 300, the loan status is determined for each seller. If there is a loan history that has not been repaid, the loan is automatically repaid from the payment to be paid to the seller account. Step 400 of distributing the amount divided for each seller on the payment date to the account of the seller; But do The loan limit of the subscriber is calculated based on the payment confirmation amount and the sales performance of the subscriber, or is calculated by additionally reflecting the results of confirming the delivery of the subscriber, the claim details, and the repayment performance to the determined payment amount, Complex fund settlement operating method, characterized in that updated on a daily basis. delete delete delete delete delete delete delete delete delete delete delete

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