KR102002220B1 - Loan service providing apparatus and method based on advanced payment - Google Patents

Abstract

Receiving a membership request from a store terminal; Transmitting information of a registered store to a guarantee insurance company terminal in response to a membership request; And when the supply of the article from the supply source to the store is completed, requesting the bank of the bank which has concluded the loan contract in accordance with the guarantee certificate issued by the guarantee insurance company, and making the bank pay the goods from the bank to the supply source A method for providing a loan service according to an embodiment of the present invention is disclosed.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a loan-based service providing apparatus and method for providing loan-

The present invention relates to an apparatus and method for providing a loan service. More specifically, the present invention relates to an apparatus and method for providing a loan to a supply source for supplying goods to a store such as an affiliated store, for example, a loan-based loan service for a franchise headquarters.

Fig. 1 is a diagram showing a ratio of a supply source where a general foodservice business supplies a product such as a material. As shown in Fig. 1, the foodservice business is supplied with various materials from a variety of sources such as farmers, food distribution companies, and wholesalers.

As the number of franchise companies increases, the number of franchisees that receive materials from franchise headquarters is increasing. According to statistics, a total of 2,426 franchise affiliate headquarters, 257,274 franchise stores, and sales of about 77.31 trillion won, are very large.

The franchisees pay for the materials supplied from the main head shop at regular intervals. If the franchisee fails to pay the bill, the franchise head office will no longer supply the material, and if this period becomes longer, the contract will be canceled do.

When a merchant receives an item from an affiliate headquarters, it is common for the merchant to pay for the item in cash. In the case of an affiliate shop, a small business operator often does not always have enough cash. You may not be able to pay me. In addition, there is a problem in that, if the franchise headquarters does not receive the commodity price from the merchant, it becomes difficult to secure the cash liquidity.

Therefore, there is a need for a way to stably provide commodity transactions between the affiliate headquarters and the merchant, and furthermore, commodity transactions between the general store and the commodity supplier.

Japanese Patent Application Laid-Open No. 10-2015-0116144 (Oct. 15, 2015)

An object of the present invention is to provide an apparatus and method for providing a loan based on a selected mountain combined with a financial product according to an embodiment of the present invention.

In addition, an apparatus and method for providing a loan-based loan service in combination with a financial product according to an embodiment of the present invention is aimed at providing benefits to a source of goods and a store through prepayment of goods.

The present invention also provides a method and system for providing a rental service based on a selected mountain in combination with a financial product according to an embodiment of the present invention.

A method of providing a loan service according to an embodiment of the present invention includes:

Receiving a membership request from a store terminal; Transmitting the information of the registered store to the endorsement insurance company terminal according to the membership subscription request; And a step of, when the supply of the article from the article supply source to the store is completed, requesting the terminal of the bank which has concluded the lending contract according to the guarantee certificate issued by the guarantee insurance company, and making the article payment from the bank to the article supply source .

The method of providing a loan service may further include receiving a selection service application request from the article supply source, wherein the step of receiving the membership service request includes receiving, from the store terminal, And if the identified goods supply destination corresponds to the goods supply destination for which the selected goods and service application is made based on the information, approving the membership request.

The method comprising the steps of: receiving, from a store terminal, a list of goods to be supplied from the goods supply source after transmitting the information of the registered stores to a guarantee insurance company terminal; And transmitting the received details of the goods to the terminal of the article supply destination so that the articles corresponding to the article details are transferred from the article supply source to the store.

The method of providing a loan service may further include displaying a kind of an article that the article supply source can provide on a web page and transmitting the same to the store terminal; And transmitting the item details selected by the store terminal to the goods supply destination terminal through the web page.

Wherein the web page further includes a type of an article that can be provided by a third party, wherein the step of transmitting the article details to the article supply destination terminal comprises the steps of: And transmitting the details of the goods that can be provided by the vendor to the terminal of the other vendor.

The guarantee issued by the guarantee insurance company includes a guarantee limit for the store, and after the bank pays the goods to the goods supply destination, The limit can be determined.

According to another aspect of the present invention, there is provided a system for providing a loan service,

A goods supply terminal for making a selection service; A store terminal requesting membership; A loan service providing device for approving the request for a pick-up service of the goods supply destination terminal and transmitting the information of the registered store to the guarantee insurance company terminal according to the membership request; And a banking terminal that receives a payment request from the loan service providing apparatus and pays the goods to the article supply source when the supply of goods from the article supply source to the store is completed, .

The apparatus and method for providing a rental service based on a selected mountain combined with a financial product according to an embodiment of the present invention can make the payment of the store stable.

In addition, an apparatus and method for providing a loan-based loan service in combination with a financial product according to an embodiment of the present invention can provide benefits to a goods supplier and a store through prepayment of goods.

In addition, an apparatus and method for providing a rental service based on a selected mountain combined with a financial product according to an embodiment of the present invention can facilitate purchase of articles necessary for the operation of the store.

However, the effect that can be achieved by the apparatus and method for providing a loan-based loan service combined with a financial product according to an embodiment of the present invention is not limited to those mentioned above, It will be understood by those skilled in the art that the present invention can be understood by those skilled in the art.

BRIEF DESCRIPTION OF THE DRAWINGS A brief description of each drawing is provided to more fully understand the drawings recited herein.
Fig. 1 is a diagram showing a ratio of a supply source where a general foodservice business supplies a product such as a material.
2 is an exemplary diagram illustrating an environment in which a loan service providing apparatus according to an embodiment of the present invention is applied.
3 is a flowchart illustrating an operation of a lending service providing system according to an embodiment of the present invention.
4 is an exemplary diagram showing a web page provided from a loan service providing apparatus to a store terminal.
5 is a block diagram showing a configuration of a loan service providing apparatus according to an embodiment of the present invention.

While the present invention has been described with reference to exemplary embodiments, it is to be understood that the invention is not limited to the disclosed exemplary embodiments. It is to be understood, however, that the intention is not to limit the invention to the specific embodiments, but on the contrary, the intention is to cover all modifications, equivalents, and alternatives falling within the spirit and scope of the invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, the present invention will be described in detail with reference to the accompanying drawings. In addition, numerals (e.g., first, second, etc.) used in the description of the present invention are merely an identifier for distinguishing one component from another.

Also, in this specification, when an element is referred to as being "connected" or "connected" with another element, the element may be directly connected or directly connected to the other element, It should be understood that, unless an opposite description is present, it may be connected or connected via another element in the middle.

In the present specification, a component represented by 'unit', 'module', or the like refers to a case where two or more components are combined into one component, or one component is divided into two or more ≪ / RTI > In addition, each of the components to be described below may additionally perform some or all of the functions of the other components in addition to the main functions of the component itself, and some of the main functions And may be performed entirely by components.

Hereinafter, exemplary embodiments of the present invention will be described in detail.

FIG. 2 is an exemplary diagram showing an environment to which the apparatus 100 for providing a loan service according to an embodiment of the present invention is applied.

Referring to FIG. 2, the loan service providing apparatus 100 may be connected to a goods supply terminal 10, a store terminal 20, a guarantee insurance company terminal 30, and a bank terminal 40 via a network. Here, the network may include a wired network and a wireless network. For example, the network may include various networks such as a local area network (LAN), a metropolitan area network (MAN), a wide area network (WAN), and the like. In addition, the network may include a known World Wide Web (WWW). However, the network according to the embodiment of the present invention is not limited to the above listed networks, and may include at least a known wireless data network, a known telephone network, a known wired and wireless television network.

The goods supply destination terminal 10 is a terminal used by an operator (for example, a business operator, an employee, etc.) of a goods supply source (for example, a production farmhouse, a wholesale dealer, a retail store, etc.) (For example, a business operator, an employee, etc.). According to an embodiment, the goods supply terminal 10 may include a headquarters terminal used in the affiliate headquarters, and the store terminal 20 may include an agent terminal used at an affiliate shop.

Further, in the embodiment of the present invention, the store may include various kinds of stores within a range that is obvious to a person skilled in the art such as a cosmetics store, a convenience store, and the like, as well as stores that provide food to customers.

The goods supply destination terminal 10 and the store terminal 20 can be connected to the loan service providing apparatus 100 via the network to request a pick-up service for the goods.

The guaranteeing insurance company terminal 30 is a terminal used in a guarantee insurance company, and the bank terminal 40 is a terminal used in a bank.

2 is a desktop PC as an example of a product supply source terminal 10, a store terminal 20, a guarantee insurance company terminal 30 and a bank terminal 40. However, The store terminal 20, the guarantee insurance company terminal 30 and the bank terminal 40 may include various types of terminals such as a server, a tablet PC, a smart phone and the like which can be connected to a network.

The loan service providing apparatus 100 communicates with the goods supply destination terminal 10, the store terminal 20, the guarantee insurance company terminal 30 and the bank terminal 40 in the embodiment of the present invention, , The commodity price for the source of the goods is selected and distributed.

The detailed operation of the goods supply source terminal 10, the store terminal 20, the guarantee insurance company terminal 30, the bank terminal 40 and the loan service providing apparatus 100 will be described with reference to Fig.

3 is a flowchart illustrating an operation of a lending service providing system according to an embodiment of the present invention.

In step S305, the goods supply destination terminal 10 accesses the loan service providing apparatus 100 to request the selection service. Depending on the implementation example, the personnel belonging to the article supply source may be contacted by e-mail, telephone, fax, mail or the like to apply for the selected pick-up service.

In step S310, the loan service providing apparatus 100 approves according to the service application of the goods supply source terminal 10. The loan service providing apparatus 100 may approve the service application when it is confirmed that the article supply source corresponds to a company that supplies the article.

In step S315, the store terminal 20 accesses the loan service providing apparatus 100 to apply for membership. Depending on the implementation, a member of the store may contact the member by e-mail, telephone, fax, mail or the like to apply for membership.

In step S320, the loan service providing apparatus 100 confirms the store information and approves the registration according to the application for membership of the store. The loan service providing apparatus 100 receives the store information and the article supply destination information from the store terminal 20 and, when the received article supply destination information corresponds to the article supply destination for which the selected acid value service application is made (or, Is the same franchise company) can be approved for membership only.

In step S325, the loan service providing apparatus 100 transmits the information of the store to the guarantee insurance company terminal 30. Here, the information of the store may include a franchise name to which the store belongs, store identification information (e.g., resident registration number, name, address, etc.).

In step S330, the endorsement insurance company terminal 30 issues a certificate including a guarantee limit to the bank according to the received store information. The insurer inspects the creditworthiness of the store, etc. and issues a guarantee including the corresponding guarantee limit.

Depending on the embodiment, the endorsement insurance company terminal 30 may determine the guarantee limit considering the previous transaction performance of the store. For example, if a store has previously used a selected service, the bank can determine the guarantee limit based on how long the store has paid the reimbursement to the bank after the bank has paid the goods for the goods. If the store pays the reimbursement fee to the bank quickly, it can be judged that the creditworthiness of the store is good and the guarantee limit can be calculated to be high. In other words, the longer the period between the payment of goods by the bank as a source of goods and the payment of the reimbursement by the bank, the higher the guarantee limit can be. For this, the guaranteed insurance company terminal 30 sets a plurality of criteria for the reimbursement payment period, and determines the guarantee limit by comparing each of the plurality of criteria with the period in which the reimbursement price is paid by the store.

In step S335, the bank terminal 40 (or bank employee) enters into a loan agreement with the store owner based on the guarantee issued by the insurer.

In step S340, the store terminal 20 connects to the loan service providing apparatus 100 and transmits the item details to be received.

In step S345, the loan service providing apparatus 100 transmits the item details received from the store terminal 20 to the goods supply source terminal 10.

In step S350, the article supply source supplies the article according to the item details to the store.

In the above-described steps S340 to S350, the description has been given that the loan service providing apparatus 100 mediates the details of the goods between the store terminal 20 and the goods supply source terminal 10 to supply the goods to the store. However, And the store terminal 20 may directly transmit the item details information to the goods supply destination terminal 10 or a member of the store may transmit the item details information to the goods supply destination by means of e-mail, telephone, mail, or the like have.

In step S355, the loan service providing apparatus 100 confirms that the article is supplied from the article supply source to the store, that is, the delivery is completed, and the bank terminal 40 requests the selection of the article price.

In step S360, the bank terminal 40 transmits all or part of the commodity price to the terminal of the commodity supply destination (specifically, the account corresponding to the commodity supply source) in response to the request for selection.

In step S365, the store terminal 20 transmits the redemption money to the bank terminal 40 (specifically, the account corresponding to the bank).

According to an embodiment of the present invention, when the supply of goods to the store is completed, the goods can be paid directly from the bank, so that the liquidity of the cash can be improved. When the goods are supplied to the store, Since it is not necessary to transfer money, it is possible to efficiently manage the store.

3, the store terminal 20 is described as connecting to the loan service providing apparatus 100 and transmitting the required item details. Specifically, the store terminal 20 is connected to the loan service providing apparatus 100 The user can select a desired item through a web page provided by the user. This will be described with reference to FIG.

4 is an exemplary diagram showing a web page 400 provided from the loan service providing apparatus 100 to the store terminal 20. As shown in Fig.

4, the loan service providing apparatus 100 is configured to allow the store terminal 20 to connect to a specific article supply source registered as a goods supply source of the store (for example, And the information of the goods that can be supplied by the goods supply source registered in the loan service providing apparatus 100 can be displayed on the web page 400 and transmitted to the store terminal 20. [ 4 shows the information of the articles that can be supplied by the A affiliate headquarters when the store terminal 100 corresponds to the same franchise company as the A affiliate headquarters.

The store can select an article of his / her needs from the items displayed on the web page 400 through the store terminal 20, and the loan service providing apparatus 100 can transmit the details of the goods selected by the store to the article supply destination have.

In addition, the web page 400 may further display the types of articles that can not be supplied by the article supply source but can be supplied by other companies. Generally, in a store, a number of items other than those supplied by the supplier of the goods are required. However, since the goods are not supplied by the supplier, it is common to visit the nearby marts or markets and purchase them directly.

In order to solve this inconvenience, the loan service providing apparatus 100 according to the embodiment of the present invention further displays the kinds of articles that can be supplied by the third party to the web page 400 and transmits them to the store terminal 20 , And the personnel belonging to the store can select the goods that other companies can provide.

The loan service providing apparatus 100 transmits the item details of the items selected by the store terminal 20 that can be supplied by the article supply destination to the goods supply destination terminal 10, Lt; / RTI >

According to an embodiment of the present invention, when the store terminal 20, which is registered as a member, accesses the loan service providing apparatus 100 and purchases goods of other companies, the loan service providing apparatus 100 provides a predetermined mileage, Can be provided.

5 is a block diagram showing a configuration of an apparatus 100 for providing a loan service according to an embodiment of the present invention.

5, the apparatus 100 for providing a loan service according to an exemplary embodiment of the present invention may include a web server 510, a communication unit 530, a control unit 550, and a memory 570. The web server 510, the communication unit 530, the control unit 550, and the memory 570 may be implemented by at least one processor and may operate according to a program stored in the memory 570.

When there is a connection from the goods supply destination terminal 10 and the store terminal 20, the web server 510 transmits the web page to the connected terminal. The goods supply destination terminal 10 can apply for a selection service through the received web page, and the store terminal 20 can apply for membership through a web page or select an article to be needed.

The communication unit 530 communicates with the goods supply source terminal 10, the store terminal 20, the bank terminal 40, and the guarantee insurance company terminal 30 via the network. The communication unit 530 can transmit and receive data to and from at least one of the goods supply source terminal 10, the store terminal 20, the bank terminal 40 and the guarantee insurance company terminal 30 via the network.

The control unit 550 controls operations of the web server 510, the communication unit 530, and the memory 570. Specifically, the control unit 550 may approve the service application according to the application of the selection service of the goods supply destination terminal 10, and may approve the member registration according to the member registration application of the store terminal 20.

The control unit 550 receives the item details from the store terminal 20 and transmits the item details to the goods supply destination terminal 10 through the communication unit 530. When the supply of the goods is completed, You can make a request.

The memory 570 stores information on the article supply source and the store. For example, the memory 570 stores the name of the franchise to which the article supply source belongs, the personal information of the article supply source, the name of the franchise to which the store belongs, the article supply source registered to supply the article to the store, And the information of the bank that the bank has concluded.

Meanwhile, the embodiments of the present invention described above can be written in a program that can be executed in a computer, and the created program can be stored in a medium.

The medium may be one that continues to store computer executable programs, or temporarily store them for execution or download. In addition, the medium may be a variety of recording means or storage means in the form of a combination of a single hardware or a plurality of hardware, but is not limited to a medium directly connected to a computer system, but may be dispersed on a network. Examples of the medium include a magnetic medium such as a hard disk, a floppy disk and a magnetic tape, an optical recording medium such as CD-ROM and DVD, a magneto-optical medium such as a floptical disk, And program instructions including ROM, RAM, flash memory, and the like. As another example of the medium, a recording medium or a storage medium managed by a site or a server that supplies or distributes an application store or various other software to distribute the application may be mentioned.

While the present invention has been described in connection with what is presently considered to be practical exemplary embodiments, it is to be understood that the invention is not limited to the disclosed embodiments, but, on the contrary, Various modifications and variations are possible.

10: goods supply terminal
20: store terminal
30: Guaranteed insurer terminal
40: Bank terminal
100: Loan service provider
510: Web server
530:
550:
570: Memory

Claims (7)

Receiving a selection service application request from the affiliate headquarters terminal of the affiliate headquarters;
Approving a selection service application for the membership terminal unit;
Receiving a membership request from a merchant terminal of the merchant;
Accepting the membership request when the affiliated headquarters identified based on the information received from the merchant terminal corresponds to the affiliated headquarters that made the application for the selected mountain service according to the membership request of the merchant terminal;
Transmitting information of the registered member merchant to the guarantee insurance company terminal according to the membership request;
Transmitting a web page for placing an order to the merchant terminal;
Receiving a supply request item from the merchant terminal through the web page;
Transmitting to the affiliate headquarters terminal a description of an article that can be supplied by the affiliate headquarters of the supply request article and transmitting the details of the article that can be supplied by the other company to the terminal of the other company; And
When the supply of the article from the affiliate headquarters to the franchisee is completed, requesting the terminal of the bank that has concluded the lending contract according to the guarantee issued by the guarantee insurance company to request payment of the goods from the bank to the franchise headquarters , ≪ / RTI &
Wherein the article information available from the affiliate headquarters is displayed in a part of the web page and the information of articles available from another company is displayed in another area of the web page. Delivery method.
delete delete delete delete The method according to claim 1,
The guarantee issued by the guarantee insurance company includes a guarantee limit for the franchisee,
Wherein the guarantee limit is determined in consideration of a period during which the merchant has paid the reimbursement price to the bank after the bank has paid the commodity price to the affiliate headquarters.
A franchise headquarters terminal of a franchise headquarters who applies for a pick-up service;
A merchant terminal of a merchant requesting membership;
And a registration server for registering a registration service of the affiliated terminal terminal in the affiliated terminal terminal in accordance with the membership request of the affiliated terminal terminal, And transmits the web page for ordering goods to the merchant terminal, and transmits the web page to the merchant terminal from the merchant terminal Requesting the supply request item through the web page, transmitting the details of the supply request item from the affiliate headquarters to the affiliate headquarters terminal, A loan service providing device for transmitting the loan service to the terminal; And
When a supply contract is concluded in accordance with a guarantee issued by a guarantee insurance company and the supply of goods from the affiliate headquarters to the merchant is completed, ≪ / RTI >
Wherein the article information available from the affiliate headquarters is displayed in a part of the web page and the information of articles available from another company is displayed in another area of the web page.

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