KR101302632B1 - Total management system of loan service for purchasing fund and method for that of - Google Patents

Abstract

PURPOSE: A purchasing fund loan service management system and a purchasing fund loan service management method for identifying genuine transactions based on their logistics and value added taxes prevent a debtor from misappropriating a loan by checking the genuineness of a transaction in which the debtor is engaged when a loan is granted with him/her. CONSTITUTION: A buyer device (100) asks an operating system (400) for a purchasing fund loan service. A seller device (200) clarifies a product's details according to a contract, sells and delivers the product using a distribution system (600), and is paid for the product via a finance system (500) based on the contract's genuineness. The operating system checks several details about the contract such as the buyer's application for a loan to purchase the product and the completion of the delivery. A tax server (700) confirms the genuineness of the contract between the buyer device and the seller device. [Reference numerals] (100) Buyer device; (200) Seller device; (300) Communication network; (400) Operating system; (500) Finance system; (600) Logistics system; (700) Tax server

Description

Purchase fund loan management system for true transaction through logistics and VAT confirmation and method for managing loan fund using same {Total management system of loan service for purchasing fund and method for that of}

The present invention relates to a purchase fund loan management system for a true transaction through logistics and VAT confirmation, and a method for managing a loan for a purchase fund using the same. Prevent transaction and forgery of loan documents and collection documents through online processing, and confirm authenticity through delivery confirmation using buyer's warehouse confirmation and designated logistics. The present invention relates to a purchase fund loan management system for authentic transactions through logistics and VAT confirmation that can support efficient management activities through prevention, and a method for managing purchase loans using the same.

Generally, the purchase loan service system concludes a loan agreement based on a business registration certificate, a sales contract, etc., between a bank and a purchaser as shown in FIG. The transaction details of the purchase are requested to the bank company, and the payment is made according to the loan agreement concluded in cash or bill according to the seller's payment request.

In the above procedure, the bank company should check the existence of the actual commerce between the seller and the buyer, but it may not be properly checked, or there may be a negative or ineligible loan between the seller and the buyer, and the tax invoice submission processor may be carried out between the seller and the buyer. Due to the weakness in checking whether the actual transaction is made after payment is made, there is a problem that the authenticity of the purchase transaction is hampered and the work efficiency is hindered.

In addition, it is not possible to confirm the authenticity of transactions by attaching existing sales contracts and tax invoices, it is impossible to verify the authenticity of tax invoices through VAT verification, and to check the real transaction after issuance of negative after-sale. As a result, loans are generated exclusively, resulting in poor financial soundness through cash flows due to unhealthy business activities, and increasing credit risk of banks.

As a result, the auditor's findings on the purchase of loans by financial institutions and the cases of rejection of subrogation by the guarantee institution have occurred, and as a result of the auditor's audit of such loans from 2009 to March 20011, the total loan amount Out of 115.317 trillion won, 7.3% was found to be 8,487.1 billion won, which is found to be an unfair or ineligible loan that does not properly check the required documents such as tax invoice.

As a result, the purchasing companies, which are mainly small and medium-sized enterprises, may receive unjustly returned funds from the selling companies, undermining the purpose of introducing the system, and causing damages to banks if the related companies fail.

In order to solve the problems described above, the technical part of the present invention to present the constraints of the post-tax invoice manipulation, and the genuine transaction according to the purchase loan.

[Related Technical Literature]

1.Terminal Devices for Processing Loan Payment of Purchasing Capital (Patent Application No. 10-2007-0033166)

2. Method for Processing Loan Payment of Purchasing Capital (Patent Application No. 10-2009-0037851)

The present invention is to solve the above problems, to prevent loans out of purpose through the verification of the basic authenticity when applying for purchase loans, to prevent the forgery of the lending business efficiency and collection documents through online processing, and to purchase a limit commitment on delivery Management of loans for purchase funds for authentic transactions through logistics and VAT checks that can support efficient management activities by preventing overpayment or coalescence of buyers and sellers by checking warehouses and confirming delivery through designated logistics. The present invention provides a system and a method for managing purchase loans using the same.

In addition, real transactions between buyers and sellers can be verified through quarterly VAT information through post-adjustment through comparison of fund loans and purchases, and the authenticity of tax invoices by verifying the authenticity of tax invoices by matching purchase / sales between buyers and sellers. Procurement loan management system and purchase using same to prevent independence of loan funds, and to check the logistics and VAT that can increase the financial soundness and reduce the credit risk of banks through cash flow through the company's sound business activities. It is to provide a method for managing money loans.

However, the objects of the present invention are not limited to the above-mentioned objects, and other objects not mentioned can be clearly understood by those skilled in the art from the following description.

In order to achieve the above object, the purchaser loan management system for the genuine transaction through the logistics and VAT check according to the embodiment of the present invention, the buyer terminal, seller terminal, operating system, financial system and logistics system interworking with the communication network, respectively In the integrated purchase fund loan service system that provides a genuine transaction, the purchase order loan service is applied through the communication network by attaching a sales contract, a business registration certificate, a loan application form, a collection request form, and proof of basic purchase necessary for the purchase loan. Buyer terminal; A seller terminal which prepares product information of a product item / unit / quantity / unit price / amount according to a sales contract with the purchaser terminal and sells and transmits the corresponding product through the logistics system; The purchaser loan service details transmitted from the buyer terminal through the communication network are transmitted to the financial system, or the tax server checks the authenticity of the authenticity between the buyer terminal and the seller terminal according to the loan agreement between the financial system and the buyer terminal. An operation system for confirming whether or not an abnormal transaction is made and checking whether the purchaser of the purchaser terminal and the delivery of the seller terminal are delivered through a logistic system, and transmitting a real transaction confirmation signal according to the delivery of the product to the financial system; The operating system receives the loan examination data according to the purchaser's loan of the buyer's terminal through a communication network, examines the loan and concludes a loan agreement according to the purchaser's loan to the buyer's terminal, and purchases a contract between the buyer's terminal and the seller's terminal. According to the transaction whether the transaction in accordance with the authentic transaction confirmation and the actual transaction confirmation signal sent according to the authentic transaction history confirmation through the tax server in the operating system to send the goods payment for the goods delivery to the seller terminal to pay Financial system; Logistics system for checking the product information transmitted from the seller terminal or the buyer terminal, respectively, and outputs the invoice, storage and delivery of the invoice number according to the bar code, and transmits the receipt information according to the delivery to the operating system through a communication network; And the number of tax invoice transactions of the selling company in the total sales table of the buyer terminal on the basis of the VAT report information according to the request signal of the operating system connected through the communication network according to the electronic contract of purchase and sale between the buyer terminal and the seller terminal. And a tax server for transmitting the authenticity by checking whether the supply price and the purchaser's tax invoice transaction number and the supply value on the total table of each purchaser of the seller terminal match.

In order to achieve the above object, the purchaser loan management method for the genuine transaction through the logistics and VAT check according to an embodiment of the present invention, the buyer terminal, seller terminal, operating system, financial system and logistics system interworking with the communication network, respectively In the integrated purchase fund loan service method for providing a genuine transaction, the buyer terminal attaches a purchase contract, a business registration certificate, a loan application form, a collection request form, and evidence of basic equipment necessary for the purchase loan, to provide the purchase fund loan service to the communication network. A first process of transmitting to the operating system through; The operating system transmits the purchase fund loan request signal to the financial system through the purchase fund loan proof data transmitted from the buyer terminal to check whether the buyer terminal loan service is available and transmits the loan agreement related information to the buyer terminal. A second process of signing a purchase loan agreement; According to the purchase intention of the purchaser's terminal according to the purchase loan, the seller's terminal writes the product information of the product item / unit / quantity / unit price / amount according to the purchase contract with the purchaser's terminal and returns to the operating system according to the purchaser's request to purchase the product. A third process of transmitting; The operating system transmits the information according to the delivery of goods to the logistics system to select the specified logistics company or logistics company, the logistics system checks the product information transmitted from the seller terminal or the buyer terminal, respectively, according to the invoice output, bar code A fourth step of storing the invoice number and delivering the goods according to the sales contract to the purchaser terminal; A fifth step of transmitting, by the buyer terminal, the invoice number, the logistics company, and the amount information of the delivered goods to the operation system through the communication network, and the logistics system to transmit the receipt confirmed after the delivery of the goods to the purchaser terminal to the operation system; The operating system transmits the invoice number, the logistics company, the delivery information of the amount, the receipt information transmitted from the logistics system, the approval status and authenticity of the electronic tax invoice issued by the seller terminal transmitted from the tax server. A sixth process of checking each and comparing the details of the purchaser terminal, the logistics system, and the tax server to determine the authentic transaction; And after the sixth process is performed, if the transaction is confirmed to be a genuine transaction, the operating system transmits the transaction details to the bank system through a communication network, and the bank system that checks the transaction details transfers the payment price of the purchased item to the seller terminal. The seventh process of transmitting to; characterized in that it comprises a.

Purchasing funds loan management system for the authentic transaction through the logistics and VAT confirmation and the purchase fund loan management method using the same according to an embodiment of the present invention, to prevent loans out of purpose through the basic authenticity transaction check when purchasing loan application It is possible to check the authenticity of the transaction through online processing and prevent forgery of the loan business efficiency and forgery of the collection documents, and to confirm the authenticity of the transaction through the confirmation of the buyer's warehouse and delivery through designated logistics. It is possible to find customers and check the market price, and support efficient management activities by preventing overpayment or coalescence of buyers and sellers.

In addition, the purchase fund loan management system for the genuine transaction through the logistics and VAT check and the purchase fund loan management method using the same according to another embodiment of the present invention, the loan funds through the authentic transaction confirmation to ensure the authenticity of online transactions Prevents and improves the financial soundness and reduces the bank's credit risk through cash flow through the company's sound business activities, and quickly collects, manages and verifies the authenticity of documents by transforming the offline payment request process to online by purchase loan. Through this, the efficiency of work process can be maximized.

Further, according to another embodiment of the present invention, the purchase fund loan management system for the genuine transaction through the logistics and VAT check, and the purchase fund loan management method using the same, the amount of money loan through the quarterly VAT information on the actual transaction between the buyer and the seller Through the post-adjustment by comparing the purchase amount with the purchase amount, you can check the authenticity of the tax invoice through the agreement of the purchase / sales amount between the purchaser and the sales company, and prevent the problem such as post-minus issue. You can check periodically.

In addition, the purchase fund loan management system for the genuine transaction through the logistics and VAT check and the purchase fund loan management method using the same according to another embodiment of the present invention, the actual transaction with the designated logistics company selected by the operator or buyer / seller selected Due to the process, it is possible to confirm whether the transaction is flexible through real goods movement confirmation, and it is possible to select a plurality of logistics companies, which can reduce the logistics cost of the borrower through an agreement with the designated logistics company.

In addition, the purchase fund loan management system for the genuine transaction through the logistics and VAT check according to another embodiment of the present invention and the purchase fund loan management method using the same, is unique to the tax invoices actually confirmed when the buyer pays for the purchase loan It is possible to check if the company that wants to receive the purchase loan by giving the number to the other bank to check the case of receiving the loan through advance inspection to automatically prevent excessive loans, advance loans, and overdue loans. It can be effective.

Further, according to another embodiment of the present invention, the purchase fund loan management system for the genuine transaction through the logistics and VAT check and the purchase fund loan management method using the same, the loan data through the operator (MP: market place) online By receiving image scans and case-by-case audits, the financial sector has the effect of reducing the time required for case-by-case response by reducing the time required for scanning of documents, registration, and individual screening, thereby securing support time for other customers.

In addition, the purchase fund loan management system for the authentic transaction through the logistics and VAT check according to another embodiment of the present invention and the purchase fund loan management method using the same, the electronic contract of the operator (MP) and electronic Real-time automatic check of the authenticity through the use of the tax invoice solution is possible, and it is possible to immediately issue the tax invoice, check the authenticity of the IRS, check the delivery status, and the amount, thereby reducing the risk of expanding the scope of authentic transaction confirmation, and processing transactions. Unnecessary funds can be restricted, which can increase the number of companies that can be supported.

1 is a block diagram showing a conventional purchase loan service.
2 is a block diagram showing a purchase fund loan management system for the authentic transaction through the logistics and VAT check according to an embodiment of the present invention
Figure 3 is a block diagram showing the detailed configuration of the operating system of the purchase fund loan management system for the authentic transaction through the logistics and VAT check according to an embodiment of the present invention.
Figure 4 is a block diagram showing the detailed configuration of the logistics system of the purchase fund loan management system for the authentic transaction through the logistics and VAT confirmation in accordance with an embodiment of the present invention.
5 is a flowchart illustrating a delivery confirmation process of an operating system of a purchase fund loan management method for a true transaction through logistics and VAT confirmation according to the present invention.
Figure 6 is a flow chart illustrating the state of delivery of goods according to the purchase fund loan management method for the authentic transaction through the logistics and VAT confirmation in accordance with the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, a detailed description of preferred embodiments of the present invention will be given with reference to the accompanying drawings. In the following description of the present invention, detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear.

In the present specification, when any one element 'transmits' data or signals to another element, the element can transmit the data or signal directly to the other element, and through at least one other element Data or signal can be transmitted to another component.

2 is a block diagram of a purchase fund loan management system for the authentic transaction through the logistics and VAT check according to an embodiment of the present invention. Referring to FIG. 1, the integrated purchase fund loan service system includes a purchaser terminal 100, a seller terminal 200, a communication network 300, an operation system 400, a financial system 500, a logistics system 600, and a tax server. And 700.

The purchaser terminal 100, seller terminal 200, operating system 400, financial system 500, logistics system 600 and tax server 700 is linked with the communication network 300, respectively, integrated purchase loan service The overall operation of the, and looking at the detailed operation, the buyer terminal 100 is a subject requesting the purchase money loan service according to the present invention, a sales contract, business registration, loan application, collection request and purchase Attach the basic equipment proof data necessary for the loan of funds is sent to the operating system 400 through the communication network 300 to apply.

On the other hand, the buyer of the purchaser terminal 100 may apply through the off-line on the basis of the evidence required for the application for loan payment service to the operating system 400.

The seller terminal 200 in accordance with the loan agreement of the financial system 500 according to the purchase loan service request through the operating system 400 in accordance with the purchase agreement with the purchaser terminal 100 / item / unit / quantity / Commodity information of the unit price / amount is prepared and the corresponding goods are sold and transmitted through the logistics system 600, and the costs for the sold goods are paid through the financial system 500 according to the authentic transaction.

The communication network 300 is a communication network which is a high-speed network of a large communication network capable of large-capacity, long distance voice and data services, and may be a next-generation wired and wireless network for providing Internet or high-speed multimedia service. When the communication network 20 is a mobile communication network, it may be a synchronous mobile communication network or an asynchronous mobile communication network. As an embodiment of the asynchronous mobile communication network, a WCDMA (Wideband Code Division Multiple Access) communication network is exemplified. In this case, although not shown in the drawing, the mobile communication network 700 may include an RNC (Radio Network Controller). Meanwhile, although the WCDMA network is exemplified, it may be a next generation communication network such as a 3G LTE network or a 4G network, or an IP network based on other IP. The communication network 300 receives signals and data between the purchaser terminal 100, the seller terminal 200, the operating system 400, the financial system 500, the logistics system 600, the tax server 700, and other systems. It serves to communicate with each other.

The operating system 400 provides a function of checking whether or not to apply for a loan for the integrated purchase loan service according to the present invention, whether or not to deliver the goods according to the purchase, and the general details according to the genuine transaction. That is, the purchaser loan service details transmitted from the purchaser terminal 100 through the communication network 300 are transmitted to the financial system 400 or the buyer terminal according to the loan agreement between the financial system 400 and the purchaser terminal 100. Check the authenticity of the transaction between the 100 and the seller terminal 200 through the tax server 700 to determine the authenticity and abnormal transactions and to check the purchased goods of the buyer terminal 100 through the logistics system 600 By checking whether the seller terminal 200 is delivered, the actual transaction confirmation signal according to the shipment of the goods is transmitted to the financial system 400 to provide the seller terminal 200 with the payment of the cost of selling the goods.

In addition, the financial system 500 receives loan examination data according to the purchase money loan of the purchaser terminal 100 through the communication network 300 in the operating system 400 to examine whether the loan is a buyer terminal ( The loan agreement is concluded according to the purchase money loan in 100), and whether the transaction is made according to the purchase contract between the purchaser terminal 100 and the seller terminal 200 through the tax server 700 in the operating system 400. According to the authentic transaction confirmation and the actual transaction confirmation transmission signal according to the delivery of the goods transmitted according to the confirmation, the payment for the goods according to the goods delivery is performed to the seller terminal 200.

The logistics system 600 checks the product information transmitted from the seller terminal 200 or the purchaser terminal 100, respectively, and outputs an invoice, stores and delivers an invoice number according to a bar code, and transmits and receives information about a receipt according to delivery. It is transmitted to the operating system 400 through the 300, and the cost is paid according to the corresponding goods delivery.

The tax server 700 according to the request signal of the operating system 400 connected through the communication network 300 in accordance with the electronic contract of the purchase and sale between the buyer terminal 100 and the seller terminal 200, VAT report information Based on the number of transactions and supply price of the tax invoice of the seller terminal 200 on the total table of each customer by the buyer terminal 100 and the amount of transactions of the tax invoice of the purchaser terminal 100 on the total table of each purchaser of the seller terminal 200 and This function checks the authenticity of the actual transaction by sending the authenticity by checking whether the supply value is consistent.

3 is a block diagram showing a detailed configuration of the operating system 400 according to an embodiment of the present invention, the control module, the receiving module 410, the transmitting module 420, the confirmation module 430, the management module 440 ), The check module 450, the determination module 460, integrated management module 470, management support module 480, statistics module 490 and the drive module. Looking at the detailed configuration and operation of the operating system 400 with reference to Figures 2 to 3, first, the control module (not shown) to control the overall operation of the operating system 400, the buyer terminal 100 , By the operation according to the seller terminal 200, the financial system 500, the tax server 700 and the logistics system 600 interlocking each of the purchase money loans, the authenticity of the purchase and delivery of goods, whether the authentic transaction check, To control whether the tax invoice-related tax server 700 checks the data and to control the overall signal and operation state necessary for the operation of the loan loan, the receiving module 420 is the sale of the buyer terminal 100 Receive the contract, business registration certificate, loan application, collection request and basic equipment proof data necessary for purchase loans and transmits to the financial system 500 through the transmission module 420, or purchaser terminal (1) 00) check the authenticity of the transaction between the seller terminal 200 and the authenticity through the tax server 700 and whether the abnormal transaction by checking the purchased goods of the buyer terminal 100 and the seller terminal through the logistics system 600 Receive the actual transaction confirmation signal according to the delivery of goods by checking whether each of the delivery (200), or for the delivery of goods to the logistics system 600 and delivery confirmation processor online, confirmation item designation, logistics cost discount, insurance associated goods amount confirmation, You will receive the delivery time, delivery coordinator, old / seller confirmation, amount and scale.

In addition, the transmission module 420 transmits proof of purchase money loans transmitted from the buyer terminal 100 to the financial system 500 through the communication network 300, or purchaser terminal 100 and the financial system ( In accordance with the loan agreement of 500, the purchaser's terminal 100 and the seller's terminal 200 according to the goods transaction of the authentic transaction confirmation signal confirmed through the tax server and the buyer terminal / seller terminal of the logistics system 600 and Shipping article information, delivery time, delivery scale confirmation processing, limit agreement checks the warehouse due diligence and transmits a confirmation signal whether the abnormal transaction is transmitted to the financial system through the communication network (300).

The confirmation module 430 is purchased based on the sales contract, the business registration certificate, the loan application, the collection request, and the basic equipment proof data necessary for the loan of the purchaser of the purchaser terminal 100 received in response to the control signal of the control module. It is possible to check whether or not the loan of funds, or check the authenticity of the transaction through the transaction between the buyer terminal 100 and the seller terminal 200, loan, and whether the application amount is appropriate.

In addition, the management module 440 is to manage the results of the overall operation of the purchase money loan service according to the present invention, the automatic input of the accounts in conjunction with the purchase statement total table confirmed through the tax server 700, Monitoring customer credits through database linkage for credit information inquiry, utilizing bank borrower credit rating / early alerts presented through communication network 300 in financial system 500, or utilizing buyer's terminal or seller's terminal Managing the sales representative, address book, the purchase history, each purchaser quotes, purchase orders, comparative estimates, electronic contracts, tax invoices, history management through the history management, or purchaser terminal 100 and the seller terminal 200 To check the authenticity and authenticity of the company information through the warehouse, check the warehouse details including due diligence information, or use the registered transaction information. Managing the registered delivery receipt and request information, or is the arrangement information management, loans between financial information system 500 and the purchaser terminal 100.

The inspection module 450 is a purchaser terminal 100 for the corresponding tax period received through the tax server 700 using the communication network 300 according to the transaction between the purchaser terminal 100 and the seller terminal 200. The tax invoice transaction number and the supply value of the seller terminal 200 and the seller terminal 200 on the total sales table of the buyer terminal 100 using the VAT report information of the purchaser and the seller terminal 200 of Investigate unmanaged or ineligible loans by checking untraded loans based on whether the number of transactions in the tax invoice of the purchaser terminal 100 and the supply price of the purchaser terminal 100 on the total table of the purchaser match, or the previous year's sales amount of the purchaser terminal 100 For the loan of the purchaser's money exceeding a certain ratio of the tax revenue for the issue of the tax invoice, the additional analysis of the purchase amount of the seller terminal 200 is to proceed.

The determination module 460 is a module for determining whether or not general loans are possible according to the purchase fund loan according to the present invention. In response to a control signal of the control module, the seller terminal 100 and a buyer terminal transmitted from the logistics system ( Determining the reliability of the buyer terminal 100 based on the reputation rating, the number of recommendations and the actual transaction history using the reputation information, transaction information and credit information of the financial sector of 200), or the weighted average of the credit ratings of the recommended / recommended companies Determining whether the buyer terminal 100 is ineligible by comparing the execution amount of the transaction and the cumulative sales by judging the verification model of the reputation used and the reliability of the seller terminal, or by using the cumulative estimated sales amount for each quarter / half of the quarter. By using the cumulative estimated purchase amount for each quarter, the amount of purchase of the tax invoice accompanying the actual commerce can be checked by separating the amount of general purchase and fixed asset purchase. Because it is determined whether or not the intrinsic transactions.

In addition, the integrated management module 470 is a loan for the purchase money by assigning a unique number to the tax invoices actually confirmed by the buyer terminal 100 transmitted from the tax server 700 according to the control signal of the control module. The preliminary check for the case of receiving additional loans by configuring the tax invoice of the purchaser terminal 100 to be received to be transmitted to the financial system through the transmission module 420 through the transmission module 420, or to provide services of other financial systems in the future. In case of expansion, it is possible to prevent duplicate loan application with the same tax invoice through integrated management of unique number and to automatically prevent excessive loans, pre-lending and overtime loan by assigning the electronic tax invoice unique number and mandatory input for loan.

The management support module 480 checks the credit information and the reliability of the sellers of the seller terminal 200 received through the tax server 700 in accordance with the control signal of the control module, the new seller terminal through the reputation information Providing a method for activating the commerce function of the customer discovery, management, reverse auction / bidding / shopping mall, or checking the correlation between the intrinsic transaction and the insolvency rate between the purchaser terminal 100 and the seller terminal 200, the basis for additional loans Will be secured.

In addition, the statistical module 490 stores the calculation details by calculating the number of purchase loan service agreements and the authentic transaction according to the purchase in accordance with the purchase loan request from the buyer terminal 100, or the purchaser terminal 100 and the seller. The amount of intrinsic transaction through the completion of each item transaction and delivery of the terminal 200 and the logistics system 600 is statistically analyzed on a daily, weekly or monthly basis, and according to the control signal of the control module, the corresponding contents of the intrinsic transaction and the unfair transaction. Performing a statistical process, and the driving module (not shown) transmits the corresponding document to the financial system 500 according to the purchaser loan request from the buyer terminal 100 to display the transmitted state information. Or, to check the authenticity of the tax invoice according to the transaction to the tax server for the true transaction for goods transactions between the buyer terminal 100 and the seller terminal 200, or the buyer terminal 100 And confirming whether the seller terminal 200 is a genuine transaction of the goods and transmitting the corresponding signal to the financial system 500 to indicate whether the transaction is confirmed or invoice creation, delivery, and delivery of the logistics system 600 for the goods transaction. And status information of the time and delivery completion time.

4 is a block diagram showing a detailed configuration of the logistics system 600 for the purchase fund loan management system for the authentic transaction through the logistics and VAT check according to an embodiment of the present invention, the microcomputer 610, the receiving unit 620 ), A determination unit 630, a delivery unit 640, a confirmation unit 650, an imaging unit 660, and a display unit 670. Looking at the detailed configuration and operation of the logistics system 600 with reference to Figures 2 to 4, first, the microcomputer 610 controls the overall operation of the logistics system 600 and the seller terminal 200 or the buyer terminal 100 ) Check the product information transmitted from) to control the overall operation of the logistics system to transmit the invoice output, invoice number storage and delivery according to the bar code, and the receipt of the receipt according to the delivery to the operating system.

The receiver 620 is a configuration for receiving data transmitted from the purchaser terminal 100, the seller terminal 200, and the operating system 400, and the seller terminal 200 or the purchaser terminal 100 that is input when a sales contract is written. ), The contract name, product item / unit / quantity / unit price / amount of product information, quantity received / destination information is received, the determination unit 630 in response to the control signal of the microcomputer 610 in response to the receiving unit ( 620 confirms the authenticity of the delivery of the goods by checking whether the warranty is registered according to the customer information of the seller / buyer terminal received through the 620, the jade of the purchased goods, the sorted warehouse location.

In addition, the delivery unit 640 performs an order check and an invoice on the basis of the information received from the receiving unit 620 according to the guarantee certificate and the authenticity of the delivery confirmed by the determination unit 620 according to the control signal of the microcomputer 610. Output and enter the purchaser, including the bar code, the delivery management code, and stores the corresponding invoice number and is configured to check whether or not the delivery of the goods, the confirmation unit 650 is the buyer terminal (required goods according to the sales contract) After transmitting to the 100), the corresponding receipt is confirmed and the information regarding the receipt is transmitted to the operating system 400 to check whether the delivery completion information is transmitted.

On the other hand, the imaging unit 600 enters into the non-designated logistics with the operating system 400, or when using the own logistics of the seller terminal 200 or the user terminal contract name, product items / units / quantity The product information of the unit price / amount, the quantity incoming / destination information signal is confirmed by recording the information according to the delivery, or the image taken in accordance with the contract signed before the delivery, the display unit 670 is the microcomputer ( In accordance with the control signal of 610, the contract name, the product item / unit / quantity / unit price / amount of goods information, the destination / delivery information, and the delivery unit 640 according to the contract transmitted through the receiving unit 620 is confirmed It is configured to display the status of the receipt according to the input order check, invoice history and delivery of the delivery goods, the delivery completion information sent to the operating system through the confirmation unit.

5 is a flowchart illustrating a method for managing purchase loans for authentic transactions through logistics and VAT confirmation according to an exemplary embodiment of the present invention. Referring to Figure 2 to 5 with reference to the integrated purchase price loan service procedure, first, the purchaser terminal 100 is attached to the purchase contract, business registration certificate, loan application, collection request and basic equipment proof data necessary for purchase loans purchase When the money loan service is transmitted to the receiving module 420 of the operating system 400 through the communication network 300, the received purchase fund loan data according to the control signal of the control module (not shown) is a confirmation module. It is checked whether the loan of the purchase money through 440 can be transmitted to the financial system 500 through the transmission module 430.

The financial system 500 confirms the availability of the purchase money loan service of the purchaser terminal 100 transmitted from the operating system 400 and transmits the loan agreement related information to the purchaser terminal 100, thereby making the purchase money loan agreement And, as a result, when the transmission through the receiving module 410 of the operating system 400 through the communication network 300 prepares a loan service, such as general purchase, delivery, etc. for the entered purchase loan.

Thereafter, according to the purchase loan, the purchaser terminal 100 transmits a purchase intention to the seller terminal 200, and the seller terminal 200 according to the purchase contract with the purchaser terminal according to a product item / unit / quantity / unit price / It prepares the product information of the amount and prepares whether to sell or transmit the goods through the logistics system.

When the seller terminal 200 transmits to the operating system 400 according to the purchase request of the purchaser terminal 100, the operating system 400 is a receiving unit of the distribution system 600 to select a designated logistics company or logistics company. 610 transmits the information according to the goods delivery.

The logistics system 600 checks the product information transmitted from the seller terminal 200 or the purchaser terminal 100, respectively, and stores the invoice number according to the invoice output and bar code, and purchases the terminal 100 according to the sales contract. The goods will be shipped.

Thereafter, the purchaser terminal 100 transmits the invoice number, the logistics company, and the amount of the delivered goods to the operating system 400 through the communication network 300, and the logistics system 600 to the purchaser terminal 100. After receipt of the goods, the receipt received is transmitted to the operating system 400.

The operating system 400 checks the authenticity of the transaction by comparing the invoice number, the logistics company, the delivery information of the amount transferred to the buyer terminal 100 and the receipt received from the logistics system 600. In this case, the operating system 400 checks the communication network 300 whether the tax server 700 is approved for the electronic tax invoice issued by the seller terminal 200 to confirm whether the transaction is genuine through the transmission module 420. The authenticity transaction is determined by comparing whether the details of the purchaser terminal 100, the logistics system 600, and the tax server 700 are matched with each other so that the authenticity thereof is displayed on the driving module.

On the other hand, the integrated management module 470 of the operating system 400 to confirm whether the authentic transaction is confirmed the actual report of the buyer terminal 100 transmitted from the tax server 700 according to the control signal of the control module By providing a unique number to the tax invoice to the buyer terminal 100 to receive a payment for the payment of the pre-payment tax invoice is configured to send to the financial system using the communication network through the transmission module 420 to further loans In case of receipt, or in case of future expansion of services of other financial systems, it is possible to prevent duplicate loan applications with the same tax invoice through integrated management of unique numbers, and to make excess loans and advance loans by assigning unique numbers of electronic tax invoices and mandatory input for loans. For example, it is possible to automatically prevent over-term loans.

When the transaction between the purchaser terminal 100 and the seller terminal 200 is confirmed as an authentic transaction, the operating system 400 transmits the transaction details to the bank system 500 through the communication network 300.

The bank system 500 confirming the transaction history transmitted from the operating system 400 transmits the payment price of the purchased item to the seller terminal 200 to complete the service procedure according to the purchase money loan.

After the series of payment payment procedures are completed, the statistical module 490 of the operation system 400 calculates the number of purchase loan service agreements and the authentic transaction according to the purchase according to the purchase loan loan request of the purchaser terminal 100. Storing the calculation details, or controlling the amount of intrinsic transaction through completion of each item transaction and delivery of the purchaser terminal 100, the seller terminal 200, and the distribution system 600 by daily, weekly, and monthly statistics for the control. According to the control signal of the module, statistical processing can be performed on the corresponding contents of the authentic transaction and the unfair transaction.

6 is a flowchart illustrating a delivery confirmation process of an operating system according to a purchase fund loan method for a genuine transaction through logistics and VAT confirmation according to an exemplary embodiment of the present invention. Looking at the delivery confirmation process with reference to Figures 2 to 6, the logistics company of the logistics system 600 is to implement the agreement with the buyer terminal 100, seller terminal 200, respectively, buyer terminal 100 and seller terminal ( 200) inquires the standard fee of the logistics company of the logistics system 600 provided by the operating system 400 and inputs the order information according to the purchase by specifying a specific logistics company, that is, a short form input, a delivery management code, a delivery address, etc. Then, the operating system 400 is the contract name of the seller terminal or the buyer terminal, commodity item / unit that is input when creating a sales contract to the receiving unit 610 of the distribution system 600 on the basis of the information on the purchase, delivery Determination unit 630 of the logistics system 600, if the product information of the quantity / unit price / amount of money, the destination / delivery address is transmitted, the registration of the warranty according to the customer information of the seller / buyer terminal received through the receiving unit And After checking the jade and sorted warehouse location of the purchased goods to confirm the authenticity of the goods, the order check based on the information received at the receiving unit in accordance with the warranty and the authenticity confirmed by the delivery unit 640 to determine the authenticity And print out the invoice, enter the purchaser, including the bar code, shipping management code, save the invoice number and deliver the goods.

Upon completion of the delivery of the purchased goods, the purchaser of the purchaser terminal 100 confirms the receipt according to the delivery, and the verification unit 650 of the logistics system 600 transmits the delivery completion result according to the receipt to the operating system 400. Done.

The operating system 400 checks the authenticity of the transaction by comparing the invoice number, the logistics company, the delivery information of the amount transferred to the buyer terminal 100 and the receipt received from the logistics system 600. In this case, the operating system 400 checks the communication network 300 whether the tax server 700 is approved for the electronic tax invoice issued by the seller terminal 200 to confirm whether the transaction is true through the transmission module 420. Check the authenticity by checking through the buyer terminal 100, the logistics system 600, the tax server 700 by comparing the details of each of the details to verify the authentic transaction.

Subsequently, when the transaction between the purchaser terminal 100 and the seller terminal 200 is confirmed as a genuine transaction, the operating system 400 transmits the transaction details to the bank system 500 through the communication network 300, and operates the operating system ( The bank system 500 confirming the transaction history transmitted from 400 transmits the payment price of the purchased goods to the seller terminal 200, thereby completing the service procedure according to the purchase loan.

The present invention can also be embodied as computer-readable codes on a computer-readable recording medium. A computer-readable recording medium includes all kinds of recording apparatuses in which data that can be read by a computer system is stored.

Examples of the computer-readable recording medium include a ROM, a RAM, a CD-ROM, a magnetic tape, a floppy disk, an optical data storage device and the like, and also implemented in the form of a carrier wave (for example, transmission over the Internet) .

The computer readable recording medium may also be distributed over a networked computer system so that computer readable code can be stored and executed in a distributed manner. And functional programs, codes, and code segments for implementing the present invention can be easily inferred by programmers skilled in the art to which the present invention pertains.

As described above, preferred embodiments of the present invention have been disclosed in the present specification and drawings, and although specific terms have been used, they have been used only in a general sense to easily describe the technical contents of the present invention and to facilitate understanding of the invention , And are not intended to limit the scope of the present invention. It is to be understood by those skilled in the art that other modifications based on the technical idea of the present invention are possible in addition to the embodiments disclosed herein.

100: buyer terminal 200: seller terminal
300: communication network 400: operating system
410: receiving module 420: sending module
430: confirmation module 440: management module
450: check module 460: judgment module
470: integrated management module 480: management support module
490 statistics module
500: Financial system 600: Logistics system
610: microcomputer 620: receiving unit
630: judgment unit 640: delivery unit
650: confirmation unit 660: imaging unit
670: display unit
700: Tax Server

Claims (6)

In the integrated purchase fund loan service system in which a buyer terminal, a seller terminal, an operating system, a financial system, and a logistics system interwork with a communication network to provide an authentic transaction,
A purchaser terminal applying for a purchase loan service by attaching a sales contract, a business registration certificate, a loan application form, a collection request document, and proof of purchase of a basic purchase loan necessary for a loan of a purchase money to the operating system through the communication network;
In accordance with the loan agreement of the financial system in accordance with the loan payment service of the purchase fund through the operating system, commodity information of the product item / unit / quantity / unit price / amount according to the purchase contract with the purchaser terminal and the corresponding goods through the logistics system Seller terminal to sell, transmit to the buyer terminal and receive payment for the goods sold through the financial system;
Seller's terminal loan service details transmitted from the buyer's terminal through the communication network to the financial system, or in accordance with the transaction between the buyer's terminal and the seller's terminal in accordance with the loan agreement between the financial system and the buyer's terminal Check the authenticity and abnormal transactions through the tax server according to the tax invoice transaction number and supply value of the buyer's terminal and the statement of purchaser's tax invoice in the total table of the seller's terminal An operation system which checks whether the seller terminal delivers the purchased goods and the buyer terminal purchased goods through the logistics system, and transmits a real transaction confirmation signal according to the delivery of the purchased goods and the sold goods to the financial system;
Examine whether the buyer's terminal loan service is available by receiving the loan examination data of the purchase contract, business registration certificate, loan application form, collection request form, and the basic purchase loan proof data necessary for the loan of the buyer money transmitted from the operating system. In accordance with the purchase agreement between the buyer terminal and the seller terminal, the loan agreement of the purchase fund loan service is concluded. Buyer's purchases and purchaser's terminal purchase through the authentic transaction confirmation and logistics system according to whether the buyer's tax invoice transaction and supply value and the seller's terminal's total statement according to purchaser's tax statement Purchase based on the delivery of the seller's terminal for the goods A financial system that transmits and pays the goods price according to the goods delivery to the seller terminal according to the actual transaction confirmation transmission signal according to the delivery of the goods and the sold goods;
A logistics system for checking product information transmitted from the seller terminal or the purchaser terminal, respectively, and transmitting invoice output, invoice number storage and delivery according to bar code, and receipt information according to delivery to the operation system through a communication network; And
When the electronic contract of the buyer terminal and the seller terminal is connected through the communication network according to the electronic contract of purchase and sale between the buyer terminal and the seller terminal, the total table of each buyer's terminal based on the VAT report information according to the request signal of the operating system Tax invoice transaction and supply price of the seller's terminal in the merchant and the purchaser's tax invoice transaction number and supply value in the total table of each purchaser of the seller's terminal are matched, and the true transaction between the buyer terminal and the seller's terminal is transmitted to the financial system. Purchase tax loan management system for the authentic transaction through the logistics and VAT check, characterized in that comprising; a tax server.
The method of claim 1,
The operating system
Each module, including the receiving module, sending module, confirmation module, management module, inspection module, judgment module, integrated management module, management support module, statistics module, driving module and control module, is configured as an internal configuration of the operating system. Become,
Confirmation of the authenticity of the purchase money loan, the authenticity of the purchase and delivery of the goods, the authenticity of the true transaction, and the data of the tax invoice related to the tax invoice by the operation according to the interworking with the purchaser terminal, the seller terminal, the financial system, the tax server and the logistics system. Control module that controls the overall signal and operation state required for the operation of the loan to the buyer so that it can be sent out by controlling,
Receive the sales contract, business registration certificate, loan application, collection request, and basic equipment proof data necessary for loan of purchase money of the buyer terminal, or check the authenticity and abnormal transaction through the tax server to check the genuine transaction between the buyer terminal and the seller terminal Checks whether the purchaser and the seller's terminal are delivered through the logistics system, respectively, and receives a real transaction confirmation signal according to the delivery of the goods, or specifies the logistics system and the delivery confirmation processor online, confirming items, Logistics cost discount, insurance linked goods check, delivery time, delivery person, old / seller check, receiving module receiving the amount, size,
Intrinsic transaction confirmed through the tax server in accordance with the goods transaction between the buyer terminal and the seller terminal according to the loan agreement between the buyer terminal and the financial system, or transmit the proof of purchase funds loans transmitted from the buyer terminal to the financial system Checking whether or not the confirmation signal and the buyer terminal / seller terminal of the logistics system and the delivery article information, delivery time, delivery scale confirmation processing, warehouse due diligence at the time of limit agreement and transmits the abnormal transaction confirmation signal to the financial system through the communication network Transmission module,
Respond to the control signal of the control module to check the availability of the purchase loan based on the sales contract, business registration certificate, loan application, collection request, and basic equipment proof data required for purchase loan of the buyer terminal received through the receiving module Or check the authenticity of the transaction through the transaction between the buyer terminal and the seller terminal, a confirmation module for checking whether the application amount is appropriate,
Monitor the customer credit through the database linkage for automatic input of accounts and inquiry of credit information by linking the purchase statement sum table confirmed through the tax server, or the bank borrower credit evaluation / early warning presented through the communication network in the database. Or manage contact history and address book of buyer's terminal or seller's terminal, manage purchase history through purchase order, purchaser's quotation, order, comparative estimate, electronic contract, tax invoice, history management, To verify the authenticity and authenticity of the company information through transactions between seller terminals, check warehouse details including due diligence information, manage registered delivery requests and receipt information through registered transaction information, or between financial systems and buyer terminals. Management module for managing contract information, loan information,
Tax of the seller terminal on the total table of each buyer by using the VAT report information of the purchaser terminal and the seller terminal of the buyer terminal for the corresponding tax period received through the tax server according to the transaction between the buyer terminal and the seller terminal Investigate unmanaged or ineligible loans by checking untraded loans by checking the transaction count and supply value and the buyer's terminal's tax invoice on the total table of each seller's terminal. Inspection module that conducts additional analysis on the taxable revenue on the issue of tax invoice and the purchase amount of seller's terminal for purchase loans exceeding a certain percentage of the previous year's sales,
In response to the control signal of the control module, the reliability of the buyer terminal is determined based on the reputation level, the number of recommendations and the actual transaction details using the reputation information, transaction information and credit information of the buyer terminal transmitted from the seller terminal and the logistics system. In addition, the verification model of the reputation using the weighted average of the recommended / recommended companies' ratings and the reliability of the seller's terminal can be judged. Determining whether the buyer's terminal is ineligible loan or using the cumulative estimated purchase amount quarterly and semi-annually to separate the purchase amount from the general purchase and the fixed asset purchase to check the purchase amount of the tax invoice accompanying the actual commerce. Judging module to judge,
In accordance with the control signal of the control module, a tax invoice for which the prepaid payment of the purchaser terminal, which is intended to receive the purchaser's loan, is assigned by assigning a unique number to the tax invoice which is actually reported and confirmed by the buyer terminal transmitted from the tax server. It can be configured to transmit to the financial system through the communication network to check for additional loans in advance or to prevent duplicate loan applications with the same tax invoice through integrated management of unique numbers when expanding the services of other financial systems in the future. Integrated management module that automatically prevents overpayment, prepayment, and overtime loans through mandatory input designation when numbering and loaning,
Checking the credit information and the reliability of the sellers of the seller terminal received through the tax server in accordance with the control signal of the control module, to find and manage the customer of the new seller terminal through the reputation information, reverse auction / bid / shopping mall A management support module that provides a method for activating or checks the correlation between the intrinsic transaction and the insolvency rate between the buyer terminal and the seller terminal, and presents the basis for additional loans;
According to the purchaser loan request from the buyer terminal, the number of purchase loan service contracts and the true transaction according to the purchase are calculated and the calculated details are stored, or the goods transaction of the buyer terminal, the seller terminal and the logistics system, and the authentic transaction through the completion of delivery. Statistics module for performing the statistical processing on the corresponding contents of the authentic transaction, unfair transaction according to the control signal of the control module by statistic of the amount of daily, weekly, monthly, and
According to the purchaser loan request from the buyer terminal, the corresponding document is transmitted to the financial system to display the transmitted status information, or the tax according to the transaction to the tax server for the genuine transaction of the goods transaction between the buyer terminal and the seller terminal. Check and indicate the authenticity of the bill, or check whether the buyer's terminal and seller's terminal authenticity of the goods, and send the signal to the financial system to indicate whether or not the check, or invoices, delivery, Purchasing money loan management system for the authentic transaction through the logistics and VAT confirmation, characterized in that further comprises a drive module for displaying the status information of the delivery time, delivery completion time.
3. The method according to any one of claims 1 to 3,
The logistics system
It controls the operation of the logistics system and checks the product information transmitted from the seller terminal or the buyer terminal to output the invoice, storage and delivery of the invoice number according to the bar code, and transmit the receipt information according to the delivery system to the operating system. Microcomputer to control overall operation,
Receiving unit for accepting the contract name, product item / unit / quantity / unit price / amount of product information, quantity incoming / delivery information of the seller terminal or the buyer terminal entered when preparing the sales contract,
Responding to the control signal of the microcomputer in response to the determination of the registration of the warranty according to the customer information of the seller / buyer terminal received through the receiving unit and the jade of the purchased goods, the sorted warehouse location to confirm the authenticity of the delivery of the goods part,
According to the control signal of the microcomputer, the order check and the invoice are output based on the information received from the receiving unit according to the guarantee and the authenticity confirmed by the determining unit, input the purchaser including the bar code, the delivery management code and the corresponding invoice number After saving the delivery unit to check whether or not the delivery of the goods,
Confirmation unit for transmitting the requested goods according to the sales contract to the purchaser terminal, and confirms the receipt and transmits the information according to the receipt to the operating system to confirm the completion of delivery;
When the non-designated logistics is concluded with the operating system, or when the seller terminal or the user terminal uses its own logistics, the contract name, product item / unit / quantity / unit price / price, product information, quantity incoming / shipping information signal transmitted from the operating system Image pickup unit for confirming and recording the information according to the delivery by voice, or imaging the goods according to the contract concluded before the delivery;
In accordance with the control signal of the microcomputer, the contract name according to the contract transmitted through the receiving unit, the product information of the product item / unit / quantity / unit price / amount, the destination / destination information, the order check entered in the delivery unit, invoice Purchasing for authentic transactions through logistics and VAT confirmation, characterized in that further comprising a display unit for displaying the status of the delivery receipt according to the details of the delivery and delivery information sent to the MP through the confirmation unit, the details and delivery; Fund Loan Management System
In the purchaser loan management method for the intrinsic transaction through the logistics and VAT confirmation that the buyer terminal, seller terminal, operating system, financial system, tax server, and logistics system interlocked with the communication network to provide the authentic transaction,
The purchaser terminal comprises a first step of transmitting a purchase money loan service to the operation system through the communication network by attaching a sales contract, a business registration certificate, a loan application form, a collection request document, and basic purchase loan proof data necessary for purchase money loans;
The operating system transmits the purchase fund loan request signal to the financial system through the purchase fund loan proof data transmitted from the buyer terminal to check whether the buyer terminal loan service is available and transmits the loan agreement related information to the buyer terminal. A second process of signing a purchase loan agreement;
According to the purchase intention of the purchaser's terminal according to the purchase loan, the seller's terminal writes the product information of the product item / unit / quantity / unit price / amount according to the purchase contract with the purchaser's terminal, A third process of transmitting;
The operating system transmits the information according to the delivery of goods to the logistics system to select the specified logistics company or logistics company, the logistics system checks the product information transmitted from the seller terminal or the buyer terminal, respectively, according to the invoice output, bar code A fourth step of storing the invoice number and delivering the goods according to the sales contract to the purchaser terminal;
A fifth step of transmitting, by the buyer terminal, the invoice number, the logistics company, and the amount information of the delivered goods to the operation system through the communication network, and the logistics system to transmit the receipt confirmed after the delivery of the goods to the purchaser terminal to the operation system;
The operating system verifies the authenticity of the invoice number, the logistics company, the delivery information of the amount, the receipt information transmitted from the logistics system, and the approval of the electronic tax invoice issued by the seller terminal transmitted from the tax server. A sixth step of determining authenticity transaction by comparing the invoice number of the buyer terminal, the delivery information of the logistics company and the amount, the receipt information of the logistics system, and the electronic tax invoice details issued by the seller terminal of the tax server; And
After the sixth process is performed, if it is confirmed that the transaction is genuine, the operating system transmits the transaction details to the bank system through the communication network, and the bank system confirming the transmitted transaction details transmits the payment for the purchased goods to the seller terminal. The seventh process to the; the purchaser loan management method for the authentic transaction through the logistics and VAT check, characterized in that it comprises.
5. The method of claim 4,
After the sixth process,
In order to confirm the authenticity of the transaction, the operating system assigns a unique number to the tax invoice verified by the buyer terminal sent from the tax server, and establishes a tax invoice in which the payment of the buyer terminal, which is intended to receive the purchase loan, is completed. It can be configured to be transferred to the financial system to check the case of additional loans in advance, or to prevent duplicate loan applications with the same tax invoice through integrated management of unique numbers when expanding the services of other financial systems in the future. A method of managing loans for purchase funds for authentic transactions through logistics and VAT check, characterized in that it is configured to automatically prevent over-payment, pre-payment, and over-payment through mandatory input designation.
5. The method of claim 4,
After the seventh process,
After a series of payments for the purchase price is completed, the operating system calculates the number of purchase loan service agreements and whether or not a real transaction is made according to the purchase according to the purchase money loan request of the purchaser terminal, or stores the calculation details, or stores the purchaser terminal and the seller terminal. And statistics on the daily, weekly and monthly statistics on the amount of authentic transactions through the completion of each item transaction and delivery of the logistics system so as to perform statistical processing on the corresponding contents of the authentic and unfair transactions. And a method for managing purchase loans for authentic transactions through tax checks.

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