KR101017647B1 - Settlement system and method for international trade - Google Patents

Abstract

PURPOSE: A settlement system for an international trade is provided to perform a settlement between a buyer and a seller through an importing country bank. CONSTITUTION: A buyer terminal(100) offers the record of loan information and payment breakdown information. A buyer bank server(200) analyzes the record of loan information and payment details information, and decides the generation of loan. If loan is confirmed, the buyer bank server settles the payment with the loan money. A seller terminal(300) offers the cost payment information of the article according to contract to the buyer bank server, and request the payment. A seller bank server(500) pays the loan money to the supplier.

Description

International Trade Payment System and Method {SETTLEMENT SYSTEM AND METHOD FOR INTERNATIONAL TRADE}

The present invention relates to an international trade settlement system and method, and more particularly, to an international trade settlement system and method for performing international trade settlement using a bank loan system and a check card settlement system.

In recent years, with the rapid increase in the spread of the Internet, electronic commerce targeting people around the world is being made through the same medium.

E-commerce typically involves business-to-business (BtoB), business-to-customer (BtoC), business-to-person (CtoC) or business-to-business (BtoG). It includes a series of activities for buyer marketing, advertising, procurement, service, production, transportation, and purchase, as well as commerce involving the flow of money using electronic media and electronic technologies and means under an integrated automated information system environment. do.

Such electronic commerce is spreading to various fields such as finance, education, exhibition, etc., and is widely used in all forms of commerce and support for it.

Most of the transactions between companies and consumers took up a lot of weight, but the trend is shifting to trading between companies.

This trend has led to the emergence of electronic trade as international business has become commonplace in recent years.

Electronic trade refers to the carrying out of part or all of the trade using an information and communication network, such as a computer. With the advent of electronic trade, a variety of electronic payment methods have emerged in the payment method to overcome the disadvantages of the conventional dynamic payment method such as credit and collection and to support smooth trade payment.

However, when making a trade transaction using such an electronic payment method, buyers and sellers have to be connected to a system that manages the electronic payment method and relays the payment through the network at all times. There were disadvantages such as time consuming.

In addition to the trade payment using the electronic payment means, using the traditional credit has a disadvantage that takes a lot of incidental costs in the case of a large transaction, and also has a disadvantage that a quick transaction is not made.

In order to solve this problem, the present invention relates to a payment system and method for international trade that uses a bank's loan system and a check card payment system to determine where to use a loan and to make a quick trade settlement. It is about.

In order to achieve the above object, the present invention provides a payment system for international trade,

A buyer terminal receiving and providing loan registration information and payment history information from a buyer of the goods so that payment of the goods according to the contract with the goods supplier is settled as a loan; The loan registration information and payment history information provided from the buyer terminal is analyzed to determine whether to loan. If the loan is determined, the loan is executed according to whether or not a payment request is received from the supplier of the goods to make the payment with the loan. A buyer bank server configured to perform settlement of the loan contract when a loan of maturity of the loan is made from the goods purchaser; A seller terminal which receives payment information of goods according to a contract from a supplier of the goods and provides them to the buyer bank server to request payment; And a seller bank server that receives the loan from the buyer bank server according to a payment request from the seller terminal and transfers the loan to a preset account and pays the supplier to the supplier of the goods.

In addition, the present invention is characterized in that it further comprises a settlement management server for managing the loan payment settled in the buyer bank server in a separate management account according to the payment request from the seller terminal.

In addition, the present invention receives the payment information of the goods according to the contract from the seller terminal to provide to the buyer bank server to request payment, and receives the payment settlement information from the buyer bank server to provide to the seller terminal It characterized in that it further comprises an eMP / ERP server.

The present invention may further include a guarantee institution server that analyzes the warranty application information of the purchaser of the goods input through the buyer terminal, classifies according to a preset credit rating, and provides the classified credit rating information to the buyer bank server. Characterized in that.

In addition, the buyer bank server according to the present invention is a buyer management unit for managing the loan registration information of the buyer of the article applying for a loan, the contract information of the article, payment information by the loan; Seller management unit for managing the registration information of the goods supplier based on the contract information of the goods, and the payment information for the goods supplier; A loan processing unit that determines whether to execute a loan in comparison with management information of the buyer management unit when a payment request of the goods supplier registered in the seller management unit is input through the seller terminal; And a database for storing the information managed by the buyer manager, the seller manager, and the loan processor.

In addition, the buyer bank server according to the present invention, if a cancellation request of the loan is input from the buyer terminal, the storage information of the database to determine whether the loan has already been executed, and according to the determination result whether the loan cancellation Loan cancellation unit to determine; And a buyer payment determination processing unit that determines whether payment settlement application information preset from the buyer terminal is received and determines whether to execute the loan of the loan processing unit according to a result.

In addition, the buyer bank server according to the present invention is characterized in that it further comprises an eMP management unit for managing the payment information of the goods according to the contract input from the eMP / ERP server, and the payment information according to the contract.

In addition, the buyer bank server according to the present invention is a guarantee management unit that manages the credit guarantee information, credit rating information, loan limit according to the credit rating information and payment payment information according to the contract buyers provided from the guarantee institution server It further comprises.

In addition, the present invention is a payment method for international trade,

a) when the buyer bank server receives payment history information in which the loan expiration date is specified through the buyer terminal of the goods buyer, waiting for the loan execution until a payment request including the goods supplier information and the payment settlement information is input from the seller terminal; ; b) when the payment request is input from the seller terminal in step a), the buyer bank server executes the loan of the goods buyer based on the loan registration information including the loan contract and goods supplier information previously set by the goods buyer; And performing a payment according to the payment request using a loan by executing a loan, and notifying the buyer terminal and the seller terminal of the result of the loan execution and payment settlement; And c) determining whether or not to terminate the loan contract according to whether the buyer bank server has repaid the loan on the maturity date of the loan.

In addition, the present invention is a payment method for international trade,

d) When the buyer bank server receives payment history information with a loan expiration date through the buyer terminal of the goods buyer, the seller terminal sends a payment request including payment information and goods supplier information of the goods according to the contract through the eMP / ERP server. Waiting for loan execution until input; e) When a payment request is input from the eMP / ERP server in step d), the buyer bank server loans the buyer of the goods based on loan registration information including loan agreement and goods supplier information previously set by the goods buyer. Executing a payment according to the payment request by using a loan by executing a loan, and notifying the buyer terminal and the eMP / ERP server of the result of the loan execution and payment; And f) determining, by the buyer bank server, whether or not to terminate the loan contract according to whether the loan is repaid at the maturity date of the loan.

In addition, the buyer bank server according to the present invention, if the buyer purchases the payment history information specified by the loan expiration date through the buyer terminal to search the database to the warranty application information and credit rating of the buyer of the goods analyzed by the assurance agency server And executing the loan of the buyer based on the item.

In addition, the step of executing the loan of the article buyer according to the present invention, through the buyer terminal receives the buyer payment confirmation application information requesting that the loan is executed after the end of the delivery and inspection of the goods according to the contract More steps,

It is characterized by determining whether or not to execute the loan according to the reception result of the buyer payment confirmation application information.

In addition, when the buyer bank server is requested to cancel the loan from the buyer terminal, the buyer bank server checks the details of the loan and determines whether to pay the loan; And determining, by the buyer bank server, whether to cancel the loan or the loan cancellation approval according to whether the loan is paid, and notifying the buyer terminal of the result.

In addition, the present invention is an international trade settlement system,

Check card merchant information and request for authorization to use from the purchaser of the goods that have been contracted to check card membership, so that payment for the goods is settled as a check card according to the contract with the goods supplier who has agreed to join the check card merchant including the account account information. A buyer terminal which receives an input and receives a result of the use approval request; Analyze the check card affiliate store information and the use approval request information provided from the buyer terminal to search the balance of the check card payment account linked to the buyer of the goods and determine whether to use the check card according to the inquiry result A buyer bank server that notifies the purchaser of the goods through the approval result, and withdraws the payment from the payment account when the use is permitted, and performs payment to the settlement account according to the check card merchant information; A seller terminal for providing a check card affiliate agreement information including a check card affiliate store subscription information including the settlement account information to the buyer bank server and providing the check card affiliate store information according to a transaction contract with the buyer of the goods through the buyer terminal; And a seller bank server for receiving the payment amount withdrawn from the buyer bank server into a predetermined account and paying the supplier to the supplier of the goods.

In addition, the present invention is characterized in that it further comprises a settlement management server that allows the price paid by the buyer bank server is transferred to the seller bank server through a separate management account.

In addition, the present invention receives the payment information of the goods according to the contract from the buyer terminal and the seller terminal to provide the buyer bank server to request the use of the check card, and receives the usage approval result information from the buyer bank server It further comprises an eMP / ERP server provided to the buyer terminal and the seller terminal.

In addition, the buyer bank server according to the present invention includes a database for storing the purchaser's membership agreement information and payment account information, check card merchant information and settlement account information for use of the check card; A card member manager that registers and manages a check card membership agreement and payment account information in the database; An affiliated store manager configured to register and manage check card affiliated store information in the database; And receiving the use approval information including the fee-paying subject from the buyer terminal in accordance with the conclusion of the transaction contract, and inquiring the balance of the payment account through the card member management unit. It is characterized in that it comprises an approval processing unit to withdraw the amount of money to be paid to the settlement account of the merchant stored in the database.

In addition, the approval processing unit receives fee subject information from the buyer terminal to determine whether the subject of the fee is the goods supplier or the buyer, and if the fee burden is the goods buyer, the payment account registered in the database Check the balance of the check card and withdraw the fee along with the authorization request amount to settle the payment, and if the fee burden is the supplier of the goods, deduct the fee from the withdrawal and then make the remaining payment to the seller bank server. It features.

The buyer bank server may further include an eMP management unit that manages check card use approval request information and check card affiliate store information according to a contract inputted from the eMP / ERP server.

In addition, when the eMP management unit receives payment approval information including a fee-paying subject for the conclusion of a transaction contract from the eMP / ERP server, the eMP management unit determines whether the fee-paying subject is a goods supplier or a buyer and provides the approval processing unit. It is characterized by.

In addition, the present invention is an international trade settlement method,

h) the buyer bank server registering in the database the goods purchaser who is promised to subscribe to the check card including payment account information and the goods supplier information to which subscription to the check card affiliate including the settlement account information is committed; i) receiving, by the buyer bank server, check card use approval request information, fee burden information, and merchant information according to a transaction contract concluded from a buyer terminal; j) the buyer bank server analyzes the check card use approval request information and the fee burden information to search the balance of the check card payment account linked to the buyer of the goods, and determines whether to use the check card according to the inquiry result. step; k) the buyer bank server notifying the use approval result through the buyer terminal, and if the use approval is permitted, withdrawing the payment price from the payment account; And l) the buyer bank server generating the settlement data and performing a payment to the settlement account of the seller bank server according to the check card affiliate store information through the settlement management server.

Also, in step k), it is determined whether the subject of the fee is the goods supplier or the buyer of the goods according to the fee burden subject information received from the buyer terminal. It is characterized in that it further comprises the step of withdrawing the fee with the amount of the authorization request from the payment account to settle the payment, and subtracting the fee from the withdrawal of the fee if the fee burden is the goods supplier.

In addition, the present invention is an international trade settlement method,

m) the buyer bank server registering in the database the goods purchaser who is promised to subscribe to the check card including payment account information and the goods supplier who is promised to subscribe to the check card affiliate including the settlement account information; n) the buyer bank server receiving check card use approval request information, fee burden information, and merchant information according to the conclusion of the transaction contract from the eMP / ERP server; o) the buyer bank server analyzes the check card use approval request information and the fee burden information to search the balance of the check card payment account linked to the buyer of the goods and determines whether to use the check card according to the inquiry result. step; p) the buyer bank server notifying the use approval result through the eMP / ERP server, and withdrawing the payment from the payment account if the use approval is permitted; And q) the buyer bank server generating the settlement data and performing a payment to the settlement account of the seller bank server according to the check card affiliate store information through the settlement management server.

In addition, the step p) determines whether the subject of the fee is the goods supplier or the buyer of the goods according to the fee burden subject information received from the eMP / ERP server. In addition, the payment account is withdrawn from the payment account registered in the payment fee and settles the payment, while the fee burden is characterized in that it further comprises the step of deducting the fee from the withdrawal price if the goods supplier.

The present invention uses the bank's lending system, there is an advantage that can be quickly settled in the international trade.

In addition, the present invention has the advantage that it is possible to settle the transaction price of the buyer and seller even in the banking system of the importing country to provide a convenient payment.

In addition, the present invention has an advantage that can reduce the occurrence of a loan accident because the use of the loan is predetermined.

In addition, the present invention has the advantage that it is possible to provide a secure and convenient payment by enabling the payment of the transaction through the check card.

1 is a block diagram showing the configuration of a first embodiment of an international trade settlement system according to the present invention;
2 is a block diagram showing a buyer bank server configuration of the international trade settlement system of FIG.
3 is a flowchart illustrating an embodiment of an international trade settlement method according to the embodiment of FIG.
4 is a flowchart illustrating a loan cancellation process of the international trade settlement method of FIG. 3.
5 is a flow chart showing a buyer payment confirmation application process of the international trade settlement method of FIG.
6 is a flow chart showing another embodiment of the international trade settlement method according to the embodiment of FIG.
7 is a flow chart showing another embodiment of the international trade settlement method according to the embodiment of FIG.
8 is a block diagram showing the configuration of a second embodiment of an international trade settlement system according to the present invention;
9 is a block diagram showing a buyer bank server configuration of the international trade settlement system of FIG.
10 is a flowchart illustrating a method for international trade settlement according to the embodiment of FIG. 8.

Hereinafter, with reference to the accompanying drawings will be described in detail a preferred embodiment of the international trade settlement system and method according to the present invention.

(First embodiment)

1 is a block diagram showing the configuration of a first embodiment of the international trade payment system according to the present invention, Figure 2 is a block diagram showing a buyer bank server configuration of the international trade settlement system of FIG.

As shown in FIG. 1 and FIG. 2, the international trade settlement system according to the present invention includes a buyer terminal 100, a buyer bank server 200, a seller terminal 300, a settlement management server 400, and a seller bank server 500. ), the eMP / ERP server 600 and the assurance agency server 700.

The buyer terminal 100 receives data related to a contract and a loan from a subject (item purchaser) of a transaction to be traded or financed between countries and communicates with an external system (for example, a domestic bank server system) connected through a network. For example, the device may be a terminal of a server system operated by an enterprise, or a PC system using a web browser such as Internet Explorer on Microsoft, a mobile communication terminal, a PDA, and a smart device having an Internet access function. It may be a TV.

The buyer terminal 100 is connected to at least one of the buyer bank server 200, the seller terminal 300, or the guarantee institution server 700 through a network.

In addition, the buyer terminal 100 allows the payment of the goods generated in accordance with the contract with the goods supplier, which is another subject of the contract from the buyer of the goods to be settled as a loan, the payment of the goods according to the contract with the loan To receive the loan registration information and payment history information for generating a loan is provided to the buyer bank server 200.

The loan registration information includes the name, business name, address, contact information, bank transaction and account information, credit rating information of the buyer of the goods, the loan limit at the time of the establishment of the loan agreement, the contract information, the name, address, contact information and goods supplier of the goods supplier. It includes payment account information of the, and the registration information may be provided to the buyer bank server 200 via the buyer terminal 100, a predetermined information providing system (for example, mail, fax, email, etc.) It may be provided to the buyer bank through and stored in the buyer bank server 200 through.

In addition, the payment history information includes the creation of a loan, that is, the establishment of a loan contract designating a loan expiration date, and information for requesting payment of goods for the goods provider included in the loan registration information.

The buyer bank server 200 analyzes loan registration information and payment history information provided from the buyer terminal 100 to determine whether to borrow, and if the loan is determined, whether a payment request is received from a supplier of the corresponding article. By executing the loan according to the loan payment and the maturity payment of the loan from the goods buyers are made to settle the loan contract, buyer management unit 210, seller management unit 220, loan A processor 230, a database 240, a loan cancellation unit 250, a buyer payment settlement processor 260, an eMP manager 270, and a warranty manager 280 are configured.

The buyer manager 210 is configured to manage loan registration information of a buyer who applies for a loan, payment history information according to a contract of an article, and payment information by a loan, and the information is stored in the database 240. And the contract limit, loan payment information, and expiration date information of the loan.

The seller manager 220 stores the registration information of the goods supplier based on the contract information of the goods provided through the buyer manager 210 or the seller terminal 300, and the payment information for the goods provider. ) To manage.

When the payment processing unit 230 receives a payment request for payment of the goods price according to the transaction conclusion through the seller terminal 300, whether the supplier is registered in the seller management unit 220 and the buyer management unit The payment history information stored in 210 is searched to determine whether the loan is executed.

If the loan processing unit 230 is not the goods supplier registered in the seller management unit 220 in advance as a result of the determination, or the payment history information is not stored in the buyer management unit 210, Do not run.

On the other hand, the loan processing unit 230 executes a loan when the buyer management unit 210 has the transaction contract information with the goods supplier and payment details specified by the buyer of the goods, and the loan result is the buyer terminal 100 And notifies the seller terminal 300 and stores the data in the database 240.

The loan by the loan is to be deposited (or transferred) to the account previously stored in the database 240.

The database 240 is configured to store information managed by the buyer manager 210, the seller manager 220, and the loan processor 230, and provides transaction history information (a transaction date, Transaction DB that stores transaction item, transaction amount, designated payment date, fee bearer, and buyer's loan information (control number, business name, business address, business number, contact information, delinquency according to transaction history, delinquency rate and credit accordingly) It includes a member DB that stores evaluation ratings, loan limits, etc., and a seller DB that stores information about the supplier (control number, business name, business address, business number, contact number, and payment account).

In addition, the database 240 stores payment information, payment details of the loan, payment information to the goods supplier, buyer payment confirmation information, and warranty information, which will be described later.

The loan cancellation unit 250 is configured to determine whether to cancel the loan according to the cancellation request of the loan requested from the buyer terminal 100, and if the cancellation request of the loan is input through the buyer terminal 100, The storage information of the database 240 is searched to determine whether the loan has already been executed.

That is, the loan cancellation unit 250 determines whether to cancel the loan according to the request to cancel the loan while the payment details are transmitted through the buyer terminal 100.

Therefore, if the loan is paid by payment of goods in the state of receiving the loan cancellation request, it is determined that the loan is impossible to cancel. If the loan is not paid in the state of receiving the loan cancellation request, the loan is made. Approves cancellation, and notifies the buyer terminal 100 of the result.

The buyer payment confirmation processing unit 260 determines the payment set in advance from the buyer terminal 100 when the contract includes a condition for confirming the price of the goods after the delivery and inspection of the goods is completed as a transaction condition between the buyer and the supplier of the goods. It is determined whether the application information is received to determine whether to execute the loan in the loan processing unit 230 according to the result.

Therefore, the buyer payment confirmation processing unit 260 checks whether the payment confirmation application is stored in the database 240 through the buyer management unit 210, and if the payment confirmation application is set, the buyer terminal 100 Through the loan processing unit 230 is not executed until the payment confirmation application information is input through.

The eMP management unit 270 is the contract information input from the eMP / ERP server 600 after the conclusion of the contract between the buyer and the supplier of the goods in the eMP / ERP server 600 and the goods according to the contract Payment information and payment information according to the contract is stored in the database 240.

The warranty management unit 280 may include credit guarantee information of the buyer of the goods provided from the guarantee server server 700, credit rating information, loan limit according to the credit rating information, and payment information according to a contract. Received and stored in the database 240, and manages so that the credit guarantee information stored in the database 240 can be used when applying for the loan of the goods buyer.

The seller terminal 300 receives the payment information of the goods and the bank and account information, etc. to be paid for the goods in accordance with the transaction contract with the buyer of the goods from the supplier of the goods to provide the buyer bank server 200 Request payment.

The seller terminal 300 may be a terminal of a server system operated by an enterprise, or a PC system using a web browser such as Internet Explorer on Microsoft, a mobile communication terminal, a PDA, a smart TV having an Internet access function, and the like. It may be.

On the other hand, the present invention provides a settlement management server 400 to manage the loan in a separate management account for the payment of the loan payment from the buyer bank server 200 in accordance with the payment request from the seller terminal 300 Include.

The seller bank server 500 transfers the payment settled in the buyer bank server 200 or the settlement management server 400 according to the payment request from the seller terminal 300 to an account of the goods provider set in advance. To be paid to the supplier of the goods.

The eMP / ERP server (e-Marketplace / Enterprise Resource Planning Server, 600) is a contract between the buyer and supplier of the goods through the eMP / ERP server 600, the information according to the contract, and payment information of the goods Etc. is inputted from the seller terminal 300 and provided to the buyer bank server 200 to request payment, and receives payment information from the buyer bank server 200 and provides the seller terminal 300 to the seller terminal 300.

The assurance agency server 700 analyzes the warranty application information input by the buyer of the goods through the buyer terminal 100 or a preset information input system (not shown) to obtain credit evaluation information, and the analysis result. According to the predetermined credit rating, the classified credit rating information is provided to the buyer bank server 200 together with the credit guarantee.

(Example 1 of the international trade settlement method)

3 is a flowchart illustrating an embodiment of an international trade settlement method according to the embodiment of FIG. 1, FIG. 4 is a flowchart illustrating a loan cancellation process, and FIG. 5 is a buyer of the international trade settlement method according to the embodiment of FIG. 1. This is a flowchart showing the payment confirmation application process.

As illustrated in FIGS. 1 to 5, the buyer bank server 200 detects pre-loan registration information provided by the buyer of a product to establish a loan contract through the buyer manager 210 and stores it in the database 240 (S100). )do.

The buyer bank server 200 performs a preset login procedure to confirm whether the buyer is a registered buyer in step S100, and then a terminal (not shown) installed in the buyer terminal 100 or the bank window of the buyer. Check whether the payment history information is specified through the loan due date is received, and if the payment history information is received waiting for the loan execution (S110), payment from the seller terminal 300, including goods supplier information and payment information It is determined whether a request is input (S120).

When the payment request is input from the seller terminal 300 in step S120, the buyer bank server 200 loans the buyer of the goods based on the loan registration information including the loan contract and goods supplier information previously registered by the goods buyer. The payment is performed according to the payment request by the loan execution by the loan execution, and the result of the loan execution and the payment settlement is notified to the buyer terminal 100 and the seller terminal 300 (S130). .

That is, in step S130, the buyer bank server 200 causes the loan payment to be made to the buyer of the goods by paying the payment according to the payment request, and the buyer manager 210 and the seller manager 220. It is stored in the database 240 through.

In addition, in the step S130, the loan is transferred to a separate management account managed by the settlement management server 400, from the management account to the account set by the goods supplier through the seller bank server 500.

After performing the step S130, the buyer bank server 200 determines whether the expiration date of the loan is reached (S140), and if it reaches the expiration date, determines whether the repayment of the loan is an automatic transfer (S150).

In the case of the direct debit in step S150 based on the information stored in the database 240 to notify the buyer terminal 100 through the short message and e-mail to the due date guidance and billing upon reaching the expiration date of the loan (S160), on the due date According to the direct debit setting it is determined whether the loan is deposited in the payment account set in advance by the buyer (S170).

If the loan is not deposited in the payment account at the expiration date in step S170, the process is performed again in step S160, and when the loan is deposited in the payment account, the loan contract is terminated by repayment of the loan by automatic transfer (S180).

In addition, based on the information stored in the database 240 in the step S150, the buyer terminal 100 is notified to the buyer terminal 100 through a short message and an e-mail of the expiration date guidance and billing upon reaching the loan expiration date (S161). In operation S171, it is determined whether a payment is received in a payment account set by the buyer bank server 200 at an expiration date.

If the loan is not deposited in the payment account at the expiration date in step S171, the process is performed again in step S161, and when the loan is deposited in the payment account, the loan payment is completed and the loan contract is terminated (S181). .

Completion of the loan repayment in the step S180 and S181 is that the loan and the interest payments according to the contract period are all repaid, and if only a portion of the loan and interest payment is paid, the steps S160 and S161 are performed again.

On the other hand, the loan cancellation process when the loan cancellation request from the buyer terminal 100 (S200) the buyer bank server 200 checks the loan history by searching the database 240 through the loan cancellation unit 250 After (S210) it is determined whether the loan was paid before the loan cancellation request (S220).

If the loan is paid before the cancellation request in step S220, the buyer bank server 200 performs a loan cancellation processing decision (S230), and if the loan is not paid before the cancellation request, the buyer bank server 200 The loan cancellation approval process determination (S231) is performed.

The buyer bank server 200 notifies the buyer terminal 100 of the determination result of steps S230 and S231 according to the loan cancellation request to the buyer terminal 100 through a short message or an email, and stores the determination result in the database 240. (S240).

On the other hand, when the delivery and inspection of the goods between the buyer and the supplier of the goods is a process for payment of the payment is made to the buyer bank server 200 through the buyer terminal 100 the buyer of the goods according to the contract After the completion of the delivery and inspection request for the buyer payment request for confirmation that the loan is executed (S300).

The buyer bank server 200 stores the buyer payment confirmation application in the database 240 through the buyer payment confirmation processing unit 260 and stores the result of the request through the short message or e-mail. To wait for the loan execution until the payment request of the goods supplier through the seller terminal 300 is input (S310, S320)

When the payment request is input from the seller terminal 300, the buyer bank server 200 searches the database 240 to determine whether the buyer payment confirmation application information is set (S330).

When the buyer payment confirmation application information is set as a result of step S330, the buyer bank server 200 receives the buyer payment confirmation application information from the buyer terminal 100 after receiving payment details according to the contract of FIG. 3 (S110). Check whether or not the received (S340).

When the buyer payment confirmation application information is received from the buyer terminal 100 in step S340, the buyer bank server 200 executes a loan on the payment request requested through the seller terminal 300 to pay for the loan. The payment is made, and the loan result is notified to the buyer terminal 100 and the seller terminal 300 through a short message or an email (S350).

If the buyer payment confirmation application information is not received from the buyer terminal 100 after receiving payment details according to the contract execution in step S340 (S110), the buyer bank server 200 processes loans and the result is the buyer The terminal 100 and the seller terminal 300 are notified through a short message or an email (S351).

(Example 2 of the international trade settlement method)

6 is a flowchart illustrating still another embodiment of an international trade settlement method according to the embodiment of FIG. 1.

In the loan settlement method according to FIG. 6, as illustrated in FIGS. 1, 2, and 6, the buyer bank server 200 concludes a contract between the buyer and the supplier through the eMP / ERP server 600. Pre-loan registration information provided from the buyer of goods for the establishment of a contract is detected and stored in the database 240 (S400).

The buyer bank server 200 performs a preset login procedure to confirm whether the buyer is a registered buyer in step S400, and then a terminal (not shown) installed in the buyer terminal 100 or the bank window of the buyer. Check whether the payment history information is specified through the loan expiration date through, and if the payment history information is received waiting for the loan execution (S110), the seller terminal 300 payment information and goods provider of the goods according to the contract It is determined whether the payment request including the information is requested for payment through the eMP / ERP server 600 (S420).

When the payment request is input from the eMP / ERP server 600 in step S420, the buyer bank server 200 through the eMP management unit 270 and the loan processing unit 230, the loan contract and goods registered in advance by the buyer of the goods The buyer terminal executes the loan of the goods buyer based on the loan registration information including the supplier information, performs the payment according to the payment request with the loan by the loan execution, and the result of the loan execution and the payment settlement. 100 and the eMP / ERP server 600 to notify (S330).

That is, in step S430, the buyer bank server 200 causes the payment payment according to the payment request to be paid to the loan so that a loan contract is generated to the buyer of the goods, and the result is the buyer manager 210 and the eMP manager 270. Is stored in the database 240 through.

In addition, in step S430 the loan is transferred to a separate management account managed by the settlement management server 400, from the management account to the account of the seller bank server 500 set by the eMP / ERP server 600 Be sure to

After performing the step S430, the buyer bank server 200 determines whether the expiration date of the loan has been reached (S440), and if it reaches the expiration date, the buyer bank server 200 determines whether the repayment of the loan is an automatic transfer (S450).

In the case of direct debit in step S450 based on the information stored in the database 240 to notify the buyer terminal 100 through the short message and e-mail to the due date guidance and billing due to the loan expiration date (S460), on the due date According to the direct debit setting it is determined whether the loan is deposited in the payment account set in advance by the buyer (S470).

If the loan is not deposited in the payment account at the expiration date in step S470, the step S460 is performed again, and when the loan is deposited in the payment account, the loan contract is terminated by repayment of the loan by automatic transfer (S480).

In addition, based on the information stored in the database 240 in the step S450, the buyer terminal 100 is notified to the buyer terminal 100 through a short message and an e-mail of the expiration date guidance and billing upon reaching the loan expiration date (S461). In operation S471, it is determined whether a payment is deposited in a payment account set by the buyer bank server 200 at an expiration date.

If the loan is not deposited in the payment account at the expiration date in step S471, the step S461 is performed again, and when the loan is deposited in the payment account, the loan payment is completed and the loan contract is terminated (S481). .

The completion of repayment of the loan in the steps S480 and S481 is that all of the loan and interest according to the contract period have been repaid, and if only a part of the loan and the interest is paid, the steps S460 and S461 are performed again.

In addition, the loan cancellation and buyer payment confirmation application is performed in the same process as the first embodiment, there is a difference that the first embodiment is notified to the seller terminal 300 and the eMP / ERP server 600. .

(Example 3 of the international trade settlement method)

7 is a flowchart illustrating still another embodiment of an international trade settlement method according to the embodiment of FIG. 1.

As shown in FIGS. 1, 2, and 7, the buyer bank server 200 detects the pre-loan registration information provided from the goods purchaser through the buyer manager 210 to establish a loan contract, and establishes a database 240. Save to (S500).

In step S510, the buyer bank server 200 requests confirmation of the warranty information of the buyer of the goods from the warranty institution server 700 when the warranty information of the buyer of the goods registered in step S500 is requested (S510).

The warranty information requested in the step S510 is a guarantee application server provides the warranty application information provided by the buyer of the goods through the buyer terminal 100 or a preset information input system (not shown) in order to obtain credit evaluation information. And classifies the credit rating into a preset credit rating according to the analysis result, and includes the credit guarantee information.

The buyer bank server 200 transmits the credit information received from the guarantee institution server 700 to the credit limit information, the credit rating information, the loan limit and the contract according to the purchaser of the goods through the warranty management unit 280. Credit guarantee information including payment information according to the received and stored in the database 240.

When the warranty information of the step S510 is confirmed, whether the payment history information with the loan expiration date is received through the terminal (not shown) installed in the buyer terminal 100 or the bank window of the goods buyer, and the payment details When the information is received, waiting for the loan execution (S530), it is determined whether the payment request including the goods supplier information and payment information from the seller terminal 300 or the eMP / ERP server 600 is input (S540).

If the warranty information from the assurance agency server 700 is not confirmed in step S520, the buyer may be notified of execution of loan through a short message or an e-mail through the buyer terminal 100 (S521).

On the other hand, when the payment request is input from the seller terminal 300 or the eMP / ERP server 600 in step S540, the buyer bank server 200 loans including the loan agreement and goods supplier information registered in advance by the goods buyers The buyer of the goods is executed based on the registered information, the payment is made according to the payment request with the loan by the execution of the loan, and the result of the loan execution and the settlement of payment is performed with the buyer terminal 100 and the seller. The terminal 300 or the eMP / ERP server 600 is notified (S550).

That is, in step S550, the buyer bank server 200 allows payment of the payment according to the payment request to the loan so that a loan contract is generated to the buyer of the goods, and the buyer manager 210 and the seller manager 220. Alternatively, the data is stored in the database 240 through the eMP management unit 270.

In addition, in step S550, the loan is transferred to a separate management account managed by the settlement management server 400, and from the management account to the account set by the goods provider through the seller bank server 500.

After performing the step S550, the buyer bank server 200 determines whether the expiration date of the loan has been reached (S560), and if it reaches the expiration date, determines whether the repayment of the loan is an automatic transfer (S570).

In the case of direct debit in step S570 based on the information stored in the database 240 to notify the buyer terminal 100 through the short message and e-mail to the due date guidance and billing upon reaching the loan expiration date (S580), and on the due date According to the direct debit setting it is determined whether the loan is deposited in the payment account set in advance by the buyer (S590).

If the loan is not deposited in the payment account at the expiration date in step S590, the process is performed again in step S580, and when the loan is deposited in the payment account, the loan contract is terminated by repayment of the loan by automatic transfer (S600).

In addition, based on the information stored in the database 240 in the step S570, the buyer terminal 100 is notified to the buyer terminal 100 through a short message and an e-mail of the expiration date guidance and billing upon reaching the loan expiration date (S581). In operation S591, it is determined whether a payment is received in a payment account set by the buyer bank server 200 at an expiration date.

If the loan is not deposited in the payment account at the expiration date in step S591, the process is performed again in step S581, and when the loan is deposited in the settlement account, the loan payment is completed and the loan contract is terminated (S601). .

Completion of the loan repayment in the step S600 and S601 is that both the loan and the interest payment according to the contract period has been repaid, and if only a part of the loan and interest payment is paid, the steps S580 and S581 are performed again.

In addition, the loan cancellation and buyer payment confirmation application is performed in the same process as the above embodiment, there is a difference that includes a credit information evaluation process by the guarantee agency.

(Second embodiment)

8 is a block diagram showing the configuration of a second embodiment of the international trade settlement system according to the present invention, Figure 9 is a block diagram showing a buyer bank server configuration of the international trade settlement system of FIG.

As shown in FIG. 8 and FIG. 9, the international trade settlement system according to the second embodiment includes a buyer terminal 100 ', a buyer bank server 200', a seller terminal 300 ', and a settlement management server 400'. , The seller bank server 500 'and the eMP / ERP server 600'.

The buyer terminal 100 ′ receives a check card member registration and usage approval information from a subject (item purchaser) of a transaction that intends to conduct trade and financial transactions between countries (eg, a domestic bank server system). ), Which is a terminal of a server system operated by an enterprise, or a PC system using a web browser such as Internet Explorer on Microsoft, a mobile communication terminal, a PDA, or an Internet connection. It may be a smart TV having a function.

The buyer terminal 100 ′ is connected to at least one of the buyer bank server 200 ′, the seller terminal 300 ′, and the eMP / ERP server 600 ′ through a network.

In addition, the buyer terminal (100 ') is the check card merchant information and payment from the buyer of the goods so that payment of the goods is settled as a check card in accordance with the contract with the goods supplier contracted to join the check card merchant including the settlement account information It receives the use approval request information for payment and information specifying whether to pay the fee and provides it to the buyer bank server 200 ', and receives the result of the use approval request determined from the buyer bank server 200'.

The check card member registration information includes a name of a buyer, a business name, an address, a contact number, a bank transaction and account information, credit evaluation information, and the like, and the member registration information is stored in the buyer bank server through a buyer terminal 100 '. 200 '.

In addition, the check card membership registration information may be provided to the buyer bank through a preset information providing system (eg, mail, fax, email, etc.) and then stored in the buyer bank server 200 ′.

The buyer bank server 200 'analyzes the check card affiliate store information and the use approval request information provided from the buyer terminal 100' and inquires the balance of the check card payment account linked to the goods buyer, and the inquiry result. According to the decision whether to use the check card according to the buyer terminal (100 ') to inform the buyer of the approval result, and if the approval is allowed, withdraw the payment from the payment account to the check card merchant information As a configuration for performing payment with the settlement account according to the above, the card member management unit 211, the merchant management unit 221, the authorization processing unit 231, the database 241, and the eMP management unit 251.

The card member manager 211 registers and manages check card membership agreement information and payment account information of the goods buyer in the database 241.

The affiliated store manager 221 registers and manages the check card affiliated store registration information, the settlement account information, and the settlement history information of the goods provider in the database 241.

When the approval processing unit 231 receives the check card affiliate store information and the use approval request information including the fee bearer according to the transaction contract conclusion from the buyer terminal 100 ', the goods purchaser through the card member management unit 211. Inquiry balance of payment account with information.

In addition, when the balance of the payment account exceeds the payment request result, the approval processing unit 231 withdraws the payment request amount from the payment account by approving use, and based on the check card affiliate store information, the merchant management unit ( Payment is made to the settlement account of the goods supplier identified in 221).

In addition, the approval details are stored in the database 241, and when the stored approval details are generated as settlement data, an e-mail or the like is notified when a predetermined amount or a certain number of approval accumulates.

In addition, if the balance of the payment account is less than the payment request amount, the approval processing unit 231 may be notified of an approval error such as 'lack of balance'.

On the other hand, the approval processing unit 231 receives the information of the subject paying the fee for the payment using the check card from the buyer terminal (100 ') to determine whether the subject of the fee is the goods supplier or goods buyers If the burden of the fee is found as a result of the determination, the check card balance of the payment account registered in the database 241 is inquired, the authorization request amount and the fee are also withdrawn and the payment is made, while the burden of the fee is paid. If the goods supplier, the payment request amount is withdrawn from the payment account of the buyer of the goods and the payment amount is deducted from the payment price is transferred to the seller bank server 500 '.

The database 241 stores the purchaser's membership agreement information and payment account information, the check card merchant information and the settlement account information for use of the check card.

The eMP management unit 251 manages the check card use approval request information and the check card affiliate store information input according to the contract conclusion from the eMP / ERP server 600 ', and displays the approval processing result of the approval processing unit 231. Notify the eMP / ERP server 600 '.

In addition, when the eMP management unit 251 receives the payment approval request information including the charge sharing agent according to the conclusion of the transaction contract from the eMP / ERP server 600 ', whether the paying agent of the fee is the goods supplier or the buyer of the goods. Confirmation is provided to the approval processing unit 231.

The seller terminal 300 'provides the supplier information to the buyer bank server 200' that the goods provider includes the check card affiliate store subscription information including the settlement account information, and the check card merchant information according to the transaction contract with the goods buyer. It is provided through the buyer terminal (100 ').

The check card affiliate store registration information includes a name of a goods supplier, a business name, an address, a contact number, a bank transaction and a settlement account information, and a credit evaluation information, and the merchant store subscription information is available through the seller terminal 300 '. It may be provided to the server 200 ', the check card affiliated subscription information is provided to the buyer bank through a predetermined information providing system (for example, mail, fax, email, etc.) to the buyer bank server 200' May be stored.

The settlement management server 400 'is preferably an international settlement system in such a way that the price paid by the buyer bank server 200' is transferred to the seller bank server 500 'through a separate management account.

The seller bank server 500 'receives the payment amount withdrawn from the buyer bank server 200' and transfers it to an account set in advance in the settlement management server 400 'to be paid to the settlement account of the supplier of the article. .

The eMP / ERP server 600 'receives payment information of goods according to a contract from the buyer terminal 100' and the seller terminal 300 'and provides the buyer bank server 200' to use a check card. The request for approval is received and the usage approval result information is received from the buyer bank server 200 'and provided to the buyer terminal 100' and the seller terminal 300 '.

10 is a flowchart illustrating an international trade settlement method according to the embodiment of FIG. 8.

As shown in FIGS. 8 to 10, the buyer bank server 200 ′ is contracted to subscribe to a check card merchant including payment buyer information and settlement account information including payment account information in a database 241. Register the goods supplier information (S600 and S610), and receives the check card use approval request information, fee burden information and merchant information according to the transaction contract from the buyer terminal (100 ') (S620).

The buyer bank server 200 ′ analyzes the check card use approval request information and the fee burden information to prepare for the balance of the check card payment account linked to the buyer of the goods and the payment request amount included in the use approval request information. It is determined whether payment is possible (S630).

As a result of the determination in step S630, if the balance is more than the payment request amount, the buyer bank server 200 'approves the use and notifies the buyer terminal 100' of the approval details through a short message or e-mail (S640). After withdrawing the payment price in the payment account is stored in the database 241 (S650).

Meanwhile, in step S650, the buyer bank server 200 'analyzes the fee burden subject information received from the buyer terminal 100' to determine whether the fee bearer is a goods supplier or a goods buyer. As a result of the determination, if the fee is a buyer of goods, the fee is withdrawn from the balance along with the authorization request amount from the payment account registered in the database 241, so that the payment is settled. Deduct the above fee.

After performing step S650, the buyer bank server 200 'generates the settlement data, and the settlement is settled to the settlement account of the seller bank server 500' through the settlement management server 400 ', which is an international settlement system. The payment is completed by remittance (S660) and the settlement result according to the settlement is stored in the database 241 through the affiliated store manager 221.

In addition, when the payment request amount is greater than the balance in step S630, the buyer bank server 200 'notifies the buyer terminal 100' of the non-approval of use authorization due to insufficient balance (S631), so that the buyer can recognize the goods. To help.

Meanwhile, when the buyer terminal 100 'and the seller terminal 300' enter into a transaction contract through the eMP / ERP server 600 ', the eMP / ERP server 600' checks according to the transaction contract. Card use authorization request information, fee burden information, and merchant information are received from the buyer terminal 100 'and the seller terminal 300' and provided to the buyer bank server 200 '.

 The buyer bank server 200 ′ analyzes the received check card use approval request information, fee burden information, and merchant information in the eMP management unit 251 and checks the registered member and the merchant in steps S600 and S610. On the basis of the information stored in the database 241, the balance of the check card payment account linked to the article buyer is inquired, and the use of the check card is determined according to the inquiry result.

At this time, the result of the use approval determined is notified by the buyer bank server 200 'to the eMP / ERP server 600' so that the eMP / ERP server 600 'is connected to the buyer terminal 100' and the seller terminal 300. ') And the buyer bank server 200' performs the same process as in steps S640 to 670 when the use permission is permitted.

Meanwhile, based on the fee burden subject information received from the eMP / ERP server 600 ', the eMP management unit 251 determines whether the fee burden subject is a goods supplier or a buyer of the fee and provides it to the approval processor 231. If the burden of the fee is the buyer of the goods, the payment account registered in the database 241 is additionally withdrawn from the balance along with the authorization request amount to settle the payment, and the fee of the authorization request drawn out if the fee burden is the goods provider. In the above amount, the fee is deducted from the payment.

Therefore, in international trade transactions, payment can be made quickly according to the contract of trade, and work efficiency can be established.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it will be understood by those of ordinary skill in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention as defined by the appended claims. It can be understood that

100, 100 ': buyer terminal 200, 200': buyer bank server
210: buyer management unit 211: card member management unit
220: seller management unit 221: merchant management unit
230: loan processing unit 231: approval processing unit
240, 241: database 250: loan cancellation
251: eMP management unit 260: buyer payment confirmation processing unit
270: eMP management unit 280: warranty management unit
300, 300 ': Seller terminal 400, 400': Settlement management server
500, 500 ': Seller Bank Server 600, 600': eMP / ERP Server
700: assurance agency server

Claims (24)

As a payment system for international trade,
A buyer terminal which receives and provides loan registration information and payment history information including a loan contract and goods supplier information set in advance from a buyer of the goods so that payment of goods according to a contract with the goods supplier is settled as a loan;
The loan registration information and payment history information provided from the buyer terminal are analyzed to determine whether a loan is generated, and when the loan is determined, it is determined whether a payment request is received from the corresponding goods provider included in the loan registration information and the loan is registered. If the payment request of the goods supplier included in the information is issued a loan contract for the buyer of the goods so that the payment according to the payment request is made as a loan, and when the maturity payment of the loan from the goods buyer is made, the loan is settled A buyer bank server;
A seller terminal which receives payment information of goods according to a contract from a supplier of the goods and provides them to the buyer bank server to request payment;
A seller bank server receiving the loan from the buyer bank server according to a request for payment from the seller terminal and transferring the loan to a preset account; And
And a settlement management server configured to transfer the loan settled in the buyer bank server to the seller bank server in response to a payment request from the seller terminal. delete The method of claim 1,
An eMP / ERP server that receives payment information of goods according to the contract from the seller terminal and provides the buyer bank server to request payment and receives payment settlement information from the buyer bank server and provides the seller terminal with the payment terminal; International trade payment system, characterized in that it further comprises. The method of claim 3, wherein
And an assurance agency server for analyzing the warranty application information of the goods purchaser inputted through the buyer terminal and classifying it according to a predetermined credit rating, and providing the classified credit rating information to the buyer bank server. International trade payment system. The method of claim 4, wherein
The buyer bank server may include a buyer manager that manages loan registration information of a buyer who applies for a loan, contract information of the goods, and payment information by a loan;
Seller management unit for managing the registration information of the goods supplier based on the contract information of the goods, and the payment information for the goods supplier;
A loan processing unit that determines whether to execute a loan in comparison with management information of the buyer management unit when a payment request of the goods supplier registered in the seller management unit is input through the seller terminal;
A database for storing information managed by the buyer manager, the seller manager, and the loan processor;
A loan cancellation unit for retrieving the loan from the buyer terminal, determining whether the loan has already been executed by searching the stored information in the database, and determining whether to cancel the loan according to the determination result;
A buyer payment confirmation processing unit which determines whether or not predetermined payment confirmation application information is received from the buyer terminal and determines whether to execute the loan of the loan processing unit according to a result;
An eMP management unit that manages payment information of goods according to a contract inputted from the eMP / ERP server and payment information according to the contract; And
And a guarantee management unit that manages the credit guarantee information, the credit rating information, the loan limit according to the credit rating information, and the payment information according to the contract. delete delete delete As a payment method for international trade,
a) When the buyer bank server receives the loan registration information including the loan agreement and the goods supplier information previously set through the buyer terminal of the goods buyer and the payment history information with the loan expiration date, the buyer bank server stores the information and supplies the goods from the seller terminal. Waiting for loan execution until a payment request including information and payment information is entered;
b) When a payment request is input from the seller terminal in step a), the buyer bank server determines whether a loan of the goods buyer is generated based on loan registration information including the loan contract and goods supplier information, and the loan. Generating a loan to the buyer of the goods so that the payment is made according to the payment request, and notifying the buyer terminal and the seller terminal of the result of the loan execution and payment; And
and c) determining, by the buyer bank server, whether or not to terminate the loan contract according to whether the loan is repaid at the maturity date of the loan. The method of claim 9,
d) when the buyer bank server requests payment through the eMP / ERP server for payment of goods according to the contract and goods supplier information, the goods based on the loan registration information including the loan contract and goods supplier information; Determining whether a loan is made by the buyer, and when the loan is determined, a loan is made to the buyer of the goods so that the payment according to the payment request is made as a loan, and the result of the loan execution and the payment is made with the buyer terminal. notifying the eMP / ERP server; And
and e) determining, by the buyer bank server, whether or not to terminate the loan contract according to whether the loan is repaid at the maturity date of the loan. The method of claim 10,
The buyer bank server, when the buyer of the goods transmits the payment history information with the loan expiration date through the buyer terminal, search the database and based on the warranty application information and credit rating of the buyer of the goods analyzed by the assurance agency server, Executing the loan or receiving buyer payment confirmation application information requesting that the buyer execute the loan after the delivery and inspection of the goods according to the contract through the buyer terminal;
And determining whether to execute a loan based on a result of receiving the buyer payment confirmation application information. delete delete As a payment system for international trade,
Check Card Merchant Information and Check Cards from buyers of goods contracted for Check Card membership so that payment for the goods is settled through the Check Card payment information in accordance with the contract with the goods supplier that has agreed to join Check Card Merchants, including settlement account information. A buyer terminal receiving and providing usage approval request information of a user, and receiving a result of the usage approval request;
The check card affiliate store information of the goods supplier and the check card membership registration information of the goods buyers are stored, and the check card affiliate store information provided from the buyer terminal and the use authorization request information of the check card are analyzed to check card linked with the goods buyer. The balance of the payment account is inquired, and the result of the approval of the use of the check card is notified to the buyer terminal according to the inquiry result. A buyer bank server that withdraws the payment from the payment card so that the payment can be made to the settlement account set in advance in the check card affiliate information;
Seller terminal that the goods supplier provides the check card merchant subscription agreement information including the settlement account information to the buyer bank server, and to provide the check card merchant information according to the transaction contract with the goods buyer through the buyer terminal;
Seller bank server for receiving the payment amount withdrawn from the buyer bank server to the settlement account of the preset goods supplier to be paid to the supplier of the goods; And
And a settlement management server for transferring the payment made by the buyer bank server to the seller bank server through a separate management account. delete The method of claim 14,
The buyer terminal and the seller terminal receives the payment information of the goods in accordance with the contract to provide the buyer bank server to request the use of the check card, and receives the usage approval result information from the buyer bank server and the buyer terminal and An international trade payment system, characterized in that it further comprises an eMP / ERP server provided to the seller terminal. 17. The method of claim 16,
The buyer bank server stores a database for storing the purchaser's membership agreement information and payment account information, the check card merchant information and the settlement account information for use of the check card;
A card member manager that registers and manages a check card membership agreement and payment account information in the database;
An affiliated store manager configured to register and manage check card affiliated store information in the database;
Upon receiving the use approval information including the fee bearer from the buyer terminal in accordance with the transaction contract, the balance of the payment account is inquired through the card member management unit. The payment is made to the settlement account of the merchant stored in the database, and the balance is checked from the check card payment account of the buyer of the goods registered in the database according to the burden of the fee. An approval processing unit for debiting the settlement or subtracting the fee from the withdrawal payment and allowing the remaining payment to be settled to the seller bank server; And
When the check card usage approval request information and the check card merchant information according to the contract inputted from the eMP / ERP server are managed, and the payment approval information including the fee bearer according to the conclusion of the transaction contract is received from the eMP / ERP server, the fee is charged. And an eMP management unit for determining whether the paying entity is the goods supplier or the buyer and providing the approval to the approval processing unit. delete delete delete As a payment method for international trade,
h) the buyer bank server registering in the database the goods purchaser who is promised to subscribe to the check card including payment account information and the goods supplier information to which subscription to the check card affiliate including the settlement account information is committed;
i) receiving, by the buyer bank server, check card use approval request information, fee burden information, and merchant information according to a transaction contract concluded from a buyer terminal;
j) The buyer bank server analyzes the check card use approval request information and the fee burden information to search the balance of the check card payment account linked to the buyer of the goods, and use the payment by the check card according to the result of the balance inquiry. Determining whether to approve;
k) When the buyer bank server notifies the use approval result through the buyer terminal, and the approval of the use of the payment by the check card is permitted, when the merchant information is received from the seller terminal, the payment amount is linked to the payment account linked to the buyer of the goods. Withdrawing; And
l) generating the payment data by the buyer bank server and performing payment through the settlement management server to the settlement account of the seller bank server according to the check card merchant information. delete The method of claim 21,
m) when the buyer bank server receives the check card use approval request information, fee burden information and merchant information according to the conclusion of the transaction contract from the eMP / ERP server, the received check card use approval request information and fee burden information are analyzed; Inquiring the balance of the check card payment account linked to the goods purchaser and determining whether to use the check card according to the inquiry result;
n) the buyer bank server notifying the use approval result through the eMP / ERP server, and withdrawing the payment price from the payment account if the use approval is permitted; And
o) the buyer bank server generating the settlement data and performing a payment to the settlement account of the seller bank server according to the check card merchant information through the settlement management server; . The method of claim 23,
The buyer bank server determines whether the payer of the fee is the goods supplier or the buyer of the goods according to the fee-bearing subject information received from either the buyer terminal or the eMP / ERP server. The buyer further comprises the steps of withdrawing the fee from the payment account registered in the database together with the authorization request amount to settle the price, and subtracting the fee from the withdrawal fee if the fee is paid by the goods supplier. Trade payment method.

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