KR101250972B1 - Electronic trade settlement system and method through e-market place to e-market place - Google Patents

Abstract

PURPOSE: An electronic trade payment system and a method through e-market place to e-market place are provided to enable a purchaser to buy products at low price by using cash payment through payment guarantee. CONSTITUTION: A purchaser e-market place server(200) provides seller information and transaction request approval information to a purchaser bank server(500). A seller e-market place server(300) transmits invoice information of a seller terminal(400) to the purchaser e-market place server. The seller e-market place server provides conditional payment guarantee approval information of the purchaser bank server to the seller terminal. The seller terminal transmits shipment information of a product to a purchaser terminal(100) and provides the invoice information to the seller e-market place server. The purchaser bank server provides the conditional payment guarantee approval information to the purchaser e-market place server and transmits payment information to the seller terminal. [Reference numerals] (100) Purchaser terminal; (200) Purchaser emp server; (300) Seller emp server; (400) Seller terminal; (500) Purchaser bank server;

Description

Electronic trade settlement system and method through M2M {ELECTRONIC TRADE SETTLEMENT SYSTEM AND METHOD THROUGH e-MARKET PLACE TO e-MARKET PLACE}

The present invention relates to an electronic trade settlement system and method through M2M, and more particularly, to an electronic trade settlement system and method through M2M that can improve the efficiency of business by improving the trade settlement business through online transactions. will be.

Recently, with the rapid increase of the Internet, electronic commerce for the whole world is being made through the same medium as the Internet.

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 e-commerce is spreading to various fields such as finance, education, and exhibition, and is widely used in the form of supporting all commerce activities performed through the network and supporting them, and recently, the trend is shifting to business-to-business transactions.

On the other hand, a trade transaction between companies is a credit settlement method in which the opening bank, which has established a credit at the buyer's instruction and request, confirms that the seller will pay the amount if the seller presents the documents that match the terms of the credit, and the seller ships the goods. Remittance payment method is used by the buyer to transfer the full amount through check or wire transfer, Mail Transfer (M / T), Telegraphic Transfer (T / T) using personal check or bank check. The payment is mainly made by wire transfer (T / T).

1 is a block diagram illustrating a payment process using a credit settlement in a general intercompany transaction.

As shown in FIG. 1, when a sales contract (a) is made between the seller 10 and the buyer 20, the buyer 20 requests the establishment bank 30 to open a letter of credit (b), and establishes The bank 30 sends the credit establishment information at the request of the buyer 20 to the notification bank (or purchasing bank) 40 (c).

The notification bank 40 notifies the seller of the received letter of credit (d), and the seller 10 receiving the letter of credit ships the goods to the buyer 20 (e) and then ships the goods. (F) is issued through the notification bank 40 together with the documents, and the notification bank 40 pays the purchase price of the bill to the seller 10 (g).

In addition, when the notification bank 40 sends the draft and shipping documents to the opening bank 30 (h), the opening bank 30 notifies the purchaser 20 of the receipt of the draft and shipping documents (i). do.

When the buyer 20 receives the shipping documents and the draft, the buyer pays the bill to the opening bank 30 (j), and the opening bank 30 repays the bill to the notification bank 40 (k). By doing so, the settlement is completed.

However, the credit settlement method has a problem in that the procedure for payment is complicated, and a large amount of incidental costs due to loans and payment guarantees are generated in a large transaction.

In addition, the credit settlement method does not make a quick transaction due to a lot of paperwork, there is a problem that the risk is increased if the promised documents are written normally unconditional payment guarantee.

2 is a block diagram showing a remittance settlement process using a telegraphic transfer in a general intercompany transaction.

As shown in FIG. 2, when a sales contract a 'is made between the seller 10 and the buyer 20, the buyer 20 requests a remittance request b' from the remittance bank 50. Seller 10 ships the product (c ').

When the remittance bank 50 instructs the paying bank 60 to pay (d ') the payment according to the remittance request of the buyer 20 by wire transfer (T / T), the paying bank 60 the seller Make payment (e ') to (10).

The wire transfer payment method sends a payment instruction to the remittance bank 50 that the remittance bank 50 pays a certain amount to the paying bank 60 at the request of the buyer 20. The remittance process is lost quickly and conveniently. There are no risks of theft or theft, and there are few risks due to exchange rate fluctuations, so they are widely used for payment.

In order to solve this problem, an object of the present invention is to provide an electronic trade settlement system and method through M2M that can improve the efficiency of the work by improving the trade settlement work through online transactions.

In order to achieve the above object, the present invention is an electronic trade payment system through M2M, detects the buyer's subscription information, the seller information according to the sales contract, the payment request information and transmits to the buyer eMP server, the invoice of the seller At least one buyer terminal for detecting payment promise information and maturity repayment information from the buyer and transmitting the received payment information to the buyer bank server; When the purchaser subscription information of the buyer terminal is authenticated, the seller information and transaction request approval information according to the sales contract are provided to the buyer bank server, and conditional payment guarantee approval information output by the buyer bank server is sent to the seller eMP server. A buyer eMP server which transmits and receives invoice information transmitted by the seller eMP server and provides the invoice information to the buyer bank server; Invoice information and seller's subscription information are received from the seller terminal and authenticated, and the invoice information is transmitted to the buyer eMP server, and the seller eMP receives conditional payment guarantee approval information of the buyer bank server and provides the seller terminal to the seller terminal. server; Sending and receiving sales contract information with the purchaser terminal, and receiving conditional payment guarantee approval information from the seller eMP server, transmits the shipment information of the goods to the buyer terminal, and provides invoice information according to the shipment of the goods to the seller eMP server At least one seller terminal; And evaluating transaction request approval information of the buyer eMP server to determine whether conditional payment guarantee is provided, and providing the conditional payment guarantee to the buyer eMP server, and when invoice information is received from the seller terminal, payment of the buyer from the buyer terminal. And a buyer bank server that transmits payment information to the seller terminal according to whether payment payment and maturity repayment information are received.

In addition, the invoice information input by the seller terminal according to the present invention is characterized in that it comprises the selection information of any one of the payment guarantee or prepayment payment request for payment at any time when payment of the goods.

In addition, the buyer bank server according to the present invention is characterized in that the payment is settled at a certain time of expiration or the prepayment of payment except any fees according to the selection information.

In addition, the seller eMP server according to the present invention is characterized by converting the invoice information received from the seller terminal to the invoice format preset for each country according to the buyer's country information to provide to the buyer eMP server.

In addition, the buyer bank server according to the present invention is characterized in that the invoice information sent to the buyer terminal, the payment price, payment guarantee information of the payment price, and the fee information according to the repayment of the maturity of the payment characterized in that the transmission; do.

In addition, the present invention is an electronic trade payment method through M2M, a) if the buyer eMP server receives the buyer's subscription information, the seller information according to the sales contract, the payment request from the buyer terminal, after verifying the input information Transmitting transaction approval request information to the buyer bank server; b) when the buyer eMP server receives transaction approval and conditional payment guarantee approval information generated based on the transmitted information from the buyer bank server, transmitting the received information to a seller eMP server; c) the seller eMP server providing the information transmitted in step b) to the seller terminal, and if the shipment information and the invoice information of the goods are input from the seller terminal, transmitting the input information to the buyer bank server; d) When the invoice information is input from the seller terminal, the buyer bank server transmits the invoice information to the buyer terminal, and when the payment appointment information is input from the buyer terminal, the payment information is transmitted to the seller terminal. Doing; And e) the buyer bank server requesting payment according to maturity repayment through the buyer terminal.

In addition, the invoice information of step c) according to the present invention is characterized in that it includes selection information of any one of the payment guarantee or prepayment payment request for payment at any time when payment of the goods.

In addition, the step d) according to the present invention is characterized in that the buyer bank server allows the payment to be settled at any maturity time point or the prepayment of the payment except any fees according to the selection information.

In addition, the payment according to the maturity repayment of the step e) according to the invention is characterized in that the payment including the payment fee and the fee according to the maturity repayment of the payment.

The present invention has the advantage that the buyer can execute a low-cost purchase using cash payment through the payment guarantee.

In addition, the present invention has the advantage that the buyer can secure the stability of the transaction according to the low commission and payment guarantees in preparation for the credit settlement at the time of payment due to maturity repayment.

In addition, the present invention has the advantage that the seller can secure the safety of the transaction through the payment guarantee from the buyer bank.

In addition, the present invention has the advantage that the seller can secure the soundness of the financial through rapid cashing through the prepayment from the buyer bank, and improve the efficiency of the fund management.

In addition, the present invention has the advantage that the bank can improve the profitability through the payment guarantee fee of the buyer and the prepayment fee of the seller.

In addition, the present invention has the advantage that the bank can improve the work efficiency by improving the trade settlement work through online transactions.

1 is a block diagram showing a payment process using a credit payment when a typical intercompany transaction.
Figure 2 is a block diagram showing a wire transfer payment process using a telegraphic transfer when a typical intercompany transaction.
Figure 3 is a block diagram showing the configuration of an electronic trade payment system via M2M in accordance with the present invention.
4 is a flowchart illustrating an electronic trade settlement process through M2M according to the present invention.

Hereinafter, with reference to the accompanying drawings will be described in detail a preferred embodiment of the electronic trade settlement system and method through M2M according to the present invention.

3 is a block diagram showing the configuration of an electronic trade settlement system through M2M according to the present invention.

As shown in Figure 3, the electronic trade payment system through the M2M according to the present invention, the buyer terminal 100 and the buyer eMP so as to reduce the fee and secure the transaction safety by electronically paying the price when trading contracts between foreign companies The server 200, the seller eMP server 300, the seller terminal 400, and the buyer bank server 500 are configured to include the buyer terminal 100, the buyer eMP server 200, and the seller eMP server. 300, the seller terminal 400 and the buyer bank server 500 are connected through a network.

The purchaser terminal 100 is any one of a desktop PC, a notebook PC, a tablet PC, or a smartphone, and after a sales contract is made between the buyer and the seller, when the sales contract information with the seller terminal 400 is transmitted and received (T), Detects seller information including purchaser's subscription information, goods according to the contract, quantity, seller's name, address, email, contact information, payment request information, etc., and transmits to buyer eMP server 200 (A), and is not registered. In the case of a member, after the member registration process is performed from the purchase destination eMP server 200, the member receives the approval of the subscription (B).

In addition, the purchaser terminal 100 is an invoice including information of shipment of goods according to the terms of the contract of sale from the seller who sold the goods from the buyer bank server 500, and the type, quantity, packing type, address and name of the buyer. Receive (invoice) information to be displayed to the buyer (C), and detects the payment promise information and maturity repayment information from the buyer for the invoice and transmits (D) to the buyer bank server (500).

The buyer eMP server 200 receives the purchaser subscription information from the purchaser terminal 100 and authenticates whether the purchaser is a registered member. If the purchaser eMP server 200 is an authenticated member, the seller information according to the sale contract entered through the purchaser terminal 100 is obtained. And (E) providing approval request information about the transaction to the buyer bank server 500 and providing information determining whether to approve the subscription by performing a predetermined membership registration process (B).

In addition, the buyer eMP server 200 receives from the buyer bank server 500 the conditional payment guarantee approval information which alternatively selects the payment of the maturity payment and the payment of the prepaid payment for the payment of the goods on an arbitrary expiration date with respect to the transaction request approval (F). When the conditional payment guarantee approval information is automatically inputted based on the received seller information, information corresponding to a pre-converted invoice format for each country is automatically converted and transmitted to the seller eMP server 300.

In addition, when the invoice information transmitted from the seller eMP server 300 is received (G ′), the buyer eMP server 200 provides the received invoice information to the buyer bank server 500 (H).

When the seller eMP server 300 receives the conditional payment guarantee approval information from the buyer eMP server 200, the seller eMP server 300 transmits (I) the received conditional payment guarantee approval information to the seller terminal 400 to be displayed to the seller. Make it available to the seller.

In addition, the seller eMP server 300 receives the subscription information of the seller from the seller terminal 400 to authenticate (J) whether the registered member, and if the authenticated member shipped the goods and conditional payment guarantee approval Receives an invoice information (K) including information on selecting one of a maturity payment payment or a prepayment payment included in the data and transmits it to the buyer eMP server 200.

In addition, the seller eMP server 300 allows a predetermined member registration process to be performed (L) when the seller's subscription information is not authenticated.

In addition, the seller eMP server 300 detects the buyer's country information from the invoice information received from the seller terminal 400, and then automatically inputs the information corresponding to the invoice format previously converted for each country to convert the invoice. Provided to the buyer eMP server 200 (G ').

In other words, due to different laws of each country, the format of the invoice and the input information are different so that the invoice information input by the seller is converted and provided according to the invoice format of the buyer country.

The buyer e-MarketPlace (eMP) server 200 and the seller eMP server 300 aggregate a plurality of buyers (buyers) and sellers into one centralized electronic market, and are determined by dynamic prices determined according to the rules of each electronic market. As a configuration for providing an Internet virtual transaction space between companies that support the sale and purchase of each other, the buyer eMP server 200 and the seller eMP server 300 are installed in different countries and connected through a network.

The seller terminal 400 is any one of a desktop PC, a notebook PC, a tablet PC, or a smartphone. The seller terminal 400 connects to the purchaser terminal 100 through a network and transmits and receives trading contract information (T).

In addition, the seller terminal 400 receives the conditional payment guarantee approval information from the seller eMP server 300 to be displayed (I), detects the shipment information of the goods from the seller who shipped the goods, and then purchases the buyer terminal 100. (T '), and the information that shipped the goods in accordance with the terms of the contract, the type, quantity, packing type, the buyer's address and name, the seller's account information, the payment of the goods at any time Invoice information, including information on selecting one of the payment of the maturity payment or the payment of the down payment, is requested from the seller and provided to the seller eMP server 300 (K).

In addition, the seller terminal 400 receives and displays the result information when the payment is made from the buyer bank server 500 (M).

When the buyer bank server 500 receives the transaction request approval information of the buyer eMP server 200, the buyer bank server 500 compares and evaluates the predetermined approval acceptance criteria information by using the buyer's bank transaction performance, bank account balance, collateral information, and the like. The conditional payment guarantee is determined according to the evaluation result, and if the evaluation result satisfies the acceptance acceptance criteria, the conditional payment guarantee approval information is output to the purchaser eMP server 200 (F).

In addition, when invoice information is received from the seller terminal 400, the buyer bank server 500 transmits the received invoice information to the purchaser terminal 100 (C), and the price of the buyer from the purchaser terminal 100. When payment appointment information is received (D), the payment is made to the seller's account, and the payment result is transmitted to the seller terminal 400.

In this case, the buyer bank server 500 transmits the invoice information transmitted to the purchaser terminal 100 including payment payment information, payment guarantee information of the payment payment, and fee information according to the maturity repayment of the payment payment.

In addition, the buyer's bank server 500, the price of the goods to be paid at any time due to the selection information included in the invoice information, or to pay the down payment payment (M), except for any fees when payment in advance payment.

In addition, the buyer bank server 500 includes a fee according to the payment guarantee together with the payment price when the payment price is repaid on the due date.

The following describes an electronic trade settlement method through M2M according to the present invention.

4 is a flowchart illustrating an electronic trade settlement process through M2M according to the present invention, which will be described with reference to FIGS. 3 and 4.

When the buyer eMP server 200 receives the purchaser subscription information, the seller information according to the sales contract, and the payment request from the purchaser terminal 100 (S100), the buyer eMP server 200 authenticates the input information to the buyer bank server 500. The transaction approval request information is transmitted to request a transaction approval (S110).

The buyer eMP server 200 grants conditional payment guarantee including transaction approval information generated based on the buyer information, the seller information, and the payment information transmitted from the buyer bank server 500, and the payment of the maturity payment or the payment of the down payment. Upon receiving the information, the received conditional payment guarantee approval information is transmitted to the seller eMP server 300 (S120).

The seller eMP server 300 provides the conditional payment guarantee information transmitted from the buyer eMP server 200 to the seller terminal 400 in step S120, and the shipment information and the invoice information of the goods from the seller terminal 400 are If the input information is transmitted to the buyer eMP server 300 (S130).

The invoice information input through the seller terminal 400 in step S130 includes selection information of any one of a payment guarantee or a prepayment payment requesting a payment at an arbitrary point in time for payment of the goods.

After performing step S130, when the buyer eMP server 200 receives shipment information and invoice information from the seller eMP server 300, the buyer eMP server 200 transmits the received information to the buyer bank server 500, and the buyer bank server ( 500 transmits the invoice information input from the buyer eMP server 300 to the purchaser terminal 100 (S140).

After performing the step S140, the buyer bank server 500 checks whether payment appointment information for payment on a certain expiration date is input from the purchaser terminal 100 (S150), and if the payment appointment information is input, the buyer bank According to the seller's selection information, the server 500 makes a payment for maturity payments so that the payment is made at a certain time of expiration to the payment account of the seller, or a prepayment payment is made except for any fees, and the result information for the payment Is transmitted to the seller terminal 400 via an e-mail, a short message (S160).

After performing step S160, when the buyer bank server 500 arrives at the payment date for the payment guarantee, the buyer terminal 100 requests the payment according to the maturity payment (S170), and the payment price from the payment account of the buyer. The fee in accordance with the guarantee of payment of the payment is made.

Therefore, the purchaser can execute a low-cost purchase using cash payment through the guarantee of payment, and can secure the transaction fee according to the guarantee guarantee of low fees and payment for the opening of the credit in case of payment of the credit due to maturity.

In addition, the seller can secure the security of the transaction through the payment guarantee from the buyer bank, secure the financial soundness by rapid cashing through the prepayment, and improve the efficiency of fund management.

In addition, the buyer bank can improve the profitability through the payment guarantee fee of the buyer and the prepayment fee of the seller, and can improve the efficiency of the work by improving the trade settlement business through online transactions.

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

In addition, in the course of describing an embodiment of the present invention, the thickness of the lines or the size of the components shown in the drawings may be exaggerated for clarity and convenience of description, and the above terms are considered in the present invention. As the terms defined herein may vary depending on the intention or custom of the user or operator, the definition of the terms should be made based on the contents throughout the specification.

100: buyer terminal 200: buyer eMP server
300: seller eMP server 400: seller terminal
500: Buyer Bank Server

Claims (9)

Detects the purchaser's subscription information, the seller's information according to the sales contract, and the payment request information from the buyer, and transmits the information to the buyer's eMP server 200. When the invoice information of the seller is received, payment promise information and maturity repayment information are detected from the buyer. At least one buyer terminal 100 for transmitting to the buyer bank server 500;
When the purchaser subscription information of the buyer terminal 100 is authenticated, the conditional unit outputs the seller information and the transaction request approval information according to the sales contract to the buyer bank server 500 and outputs the purchaser bank server 500. A buyer eMP server 200 transmitting payment guarantee approval information to a seller eMP server 300 and receiving invoice information transmitted from the seller eMP server 300 and providing the invoice information to the buyer bank server 500;
Invoice information and the seller's subscription information are received from the seller terminal 400 and authenticated, and the invoice information is transmitted to the buyer eMP server 200 and the conditional payment guarantee approval information of the buyer bank server 500 is received. Seller eMP server 300 to provide to the seller terminal 400;
Transmitting and receiving sale contract information with the purchaser terminal 100 and receiving conditional payment guarantee approval information from the seller eMP server 300, transmits the shipment information of the goods to the purchaser terminal 100, and according to the shipment of the goods. At least one seller terminal 400 providing invoice information to the seller eMP server 300; And
Evaluate the transaction request approval information of the buyer eMP server 200 to determine whether conditional payment guarantee, provide the conditional payment guarantee to the buyer eMP server 200, the invoice information is received from the seller terminal 400 If the buyer's payment payment and maturity repayment information from the buyer terminal 100, the buyer's bank server 500 for transmitting the payment information to the seller terminal 400, the electronic trade payment through the M2M system.
The method of claim 1,
The invoice information input by the seller terminal 400 includes an electronic trade payment system through M2M, wherein the invoice information includes any one selected from payment guarantee or prepayment payment requesting payment at an arbitrary point in time for payment of goods. .
The method of claim 2,
The buyer bank server (500) is an electronic trade payment system through M2M characterized in that the payment is settled at a certain time of expiration or payment in advance, except for any fees in accordance with the selection information.
The method of claim 2,
The seller eMP server 300 converts the invoice information received from the seller terminal 400 into an invoice format preset for each country according to the buyer's country information and provides the M2M to the buyer eMP server 200. Electronic trade payment system.
The method of claim 1,
The buyer bank server 500 transmits the invoice information transmitted to the purchaser terminal 100 to include the payment price, the payment guarantee information of the payment price, and the fee information according to the maturity repayment of the payment price. Electronic trade payment system through M2M.
As an electronic trade settlement method through M2M,
a) When the buyer eMP server 200 receives the purchaser's subscription information, the seller's information according to the sales contract, and the payment request from the buyer terminal 100, the buyer eMP server 200 authenticates the input information and then transacts with the buyer bank server 500. Transmitting the authorization request information;
b) When the buyer eMP server 200 receives the transaction approval and conditional payment guarantee approval information generated based on the transmitted information from the buyer bank server 500, the buyer eMP server 200 sends the received information to the seller eMP server 300. Transmitting to;
c) The seller eMP server 300 provides the information transmitted in step b) to the seller terminal 400, and when the shipment information and the invoice information of the goods are input from the seller terminal 400, the seller information is input. Transmitting to the buyer bank server 500;
d) when the invoice information is input from the seller terminal 400, the buyer bank server 500 transmits the invoice information to the purchaser terminal 100 and pays for the payment on an arbitrary expiration date from the purchaser terminal 100. Transmitting the payment information to the seller terminal 400 when is inputted; And
e) The buyer bank server 500, the electronic trade payment method through M2M comprising the step of requesting the payment according to the maturity payment through the buyer terminal (100).
The method according to claim 6,
The invoice information of step c) is electronic trading settlement method through M2M, characterized in that it comprises any one of payment guarantee or prepayment payment information requesting payment at any time when payment of goods.
The method of claim 7, wherein
In the step d), the buyer bank server 500 allows the payment to be made at a certain expiration time according to the selection information or to make a payment for a prepayment except an arbitrary fee. .
The method according to claim 6,
The payment according to the maturity repayment of step e) comprises the payment amount and the fee due to the repayment of the maturity of the payment amount electronic trade settlement method through M2M.

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