KR102009140B1 - Method of payment for supplier's account receivable - Google Patents

Method of payment for supplier's account receivable Download PDF

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KR102009140B1
KR102009140B1 KR1020160006651A KR20160006651A KR102009140B1 KR 102009140 B1 KR102009140 B1 KR 102009140B1 KR 1020160006651 A KR1020160006651 A KR 1020160006651A KR 20160006651 A KR20160006651 A KR 20160006651A KR 102009140 B1 KR102009140 B1 KR 102009140B1
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information
receivables
trade
computer
repayment
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KR1020160006651A
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KR20170086964A (en
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민응준
박상순
이해성
최승석
황기택
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주식회사 핀투비
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/08—Auctions
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G06Q50/32—

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  • Finance (AREA)
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  • Development Economics (AREA)
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  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
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  • Entrepreneurship & Innovation (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The present invention relates to a method of early repayment of a trade receivable for repaying a trade receivable which a buyer pays to the seller in exchange for providing the goods or services through an intermediary between the buyer and the seller of the goods or services, before the redemption date. Repayment method of the sales receivables of the present invention, the receivable information storage step of the broker computer withdraws the information of the receivables from the buyer's computer that stores the information of the receivables and stores it in the intermediary computer as early repayment information; An early redemption target trade receivable selecting step of selecting a receivable which can be repaid earlier than the scheduled repayment date from the early repayment information stored in the intermediary computer by accessing the intermediary computer through the purchaser's terminal; A first discount rate determining step of determining, by a purchaser, accessing an intermediary computer through a terminal, a first discount rate and a total amount to be paid through early repayment for the selected trade receivable; Transmitting the information to the seller, wherein the intermediary computer transmits the extracted receivables to the seller terminal; A second discount rate determining step, wherein the seller selects a trade receivable to be repaid early and determines a second discount rate; The intermediary computer determines the trade receivable for the trade receivables for the first and second discount rates for trade receivables and for trade receivables with a second discount rate greater than the first discount rate within the total amount. It includes.

Description

METHOD OF PAYMENT FOR SUPPLIER'S ACCOUNT RECEIVABLE}

The present invention relates to a method for repayment of a receivable, in particular, between the buyer and the seller of the goods or services through the intermediary, the receivables payable to the seller by the buyer in exchange for the provision of the goods or services before the date of repayment thereof. It relates to a repayment method of trade receivables for repayment.

In business-to-business transactions, when a selling company delivers goods, such as parts or equipment, to a purchasing company or provides various services to a purchasing company, the company receives payment in advance or payment immediately for the provision of such goods or services. In some cases, for most business transactions, a fixed date is set from the date of supply of the goods or services, and payment is made when the date comes.

At this time, the purchasing company may issue electronic credit sales receivables or bills by using the trading bank's system as a token to promise the payment after the predetermined period of time to the selling company. In this case, the selling company cannot receive payment for goods or services provided to the purchasing company until the date comes.

In most transactions, the selling entity providing the goods or services has not been paid before the delivery of the goods or the provision of the services, or has been paid for the manufacture of the goods or the provision of the services until a fixed payment date has arrived. Because of the inability to recover costs, most sales firms that do not have sufficient operating funds often suffer from funding difficulties and sometimes go bankrupt or go bankrupt despite good operating or sales results.

As a means for companies to recover their funds early, discounts on drafts or loans secured by accounts receivables are used.

A paper discount is a system in which a paying bank deducts and purchases interest from the face value of a paper to the maturity date at the request of the bill holder. You will be paid the amount deducting interest before the due date.

A credit loan is a system in which a loan is secured by a bank on a credit loan issued electronically, and the credit is secured by the bank to the creditor of the credit account, i. The loan is applied at a certain interest rate, and the purchaser repays the loan on the maturity date of the account receivable.

Under these schemes, a selling entity that receives paper or credit receivables from a purchasing entity may be able to recover its payouts early by discounting the notes or secured loans secured by credit sales.

However, discounts on loans or drafts secured by accounts receivables are subject to high interest rates or discount rates, depending on the creditworthiness of the buying or selling company. There is a problem in that a large cost arises in the recovery of the payment for the provision of goods or services through a mortgage or a discount on the collateral.

In view of the above-described problems, the present invention facilitates the cash flow of the selling company by early repayment of the receivable which is paid by the purchasing company after a certain period of time after the selling company delivers the goods or provides the service to the purchasing company. I would like to provide a way to do it.

In particular, the present invention provides a more favorable condition than the case in which the selling company is repaid in advance on the trade receivables by credit receivable loan or paper discount, that is, the interest rate lower than the interest rate or discount rate of the credit receivable loan or paper discount Or, they want to provide a way to get paid back early by applying a discount rate.

In addition, the present invention utilizes a computer held by a selling company or a purchasing company to manage a transaction of an article or a service, and data relating to the transaction of an article or a service contained in the computer, in the implementation of early repayment of a receivable. It is intended to provide a method by which early repayment can be implemented in an telecommunications network.

The inventors of the present invention have noted the situation of the purchasing company in considering the means for solving the aforementioned problems of the prior art.

Buyers with large sales or purchases often postpone payment by issuing accounts receivables or notes without paying the transaction immediately to the sellers who provide goods or services to most transactions. .

However, among purchasing companies, at least some of the purchases have cash that can be paid immediately, except when it is very difficult to fund them. Is deposited.

However, even purchasers with a certain amount of cash cannot pay all the payments immediately, so take a policy to suspend payment in the form of bills or accounts receivables for certain transactions. This policy is applied to sales companies collectively.

The purchaser deposits the cash it holds without paying the selling entity immediately to a financial institution such as a bank, but the interest received from the bank, etc., for such a deposit is very low, so the purchaser can The profit you get is very small.

In addition, even if a purchasing company wants to pay the purchase price immediately or early for some selling companies that are difficult to finance, especially in the case of a large company with a large number of trading companies, it is necessary to examine the selling company's situation and buy it to a specific selling company. It is very difficult to have a policy of making payments promptly or early.

The inventors of the present invention, in consideration of the difficulties encountered by the selling company and the circumstances related to the cash management of the buying company as described in the background art, the purchaser is deferred payment to the selling company in accordance with the circumstances of their own funds or cash holdings. Consideration is given to early repayment of payments, ie some receivables from the selling entity.

In particular, the inventors of the present invention can conveniently repay the trade receivables early for the sales company that requires the early payment of the receivables in accordance with the circumstances of the financing without the purchaser changing the existing policy on payment of the purchase price. Consider the method.

In addition, by allowing the selling company to repay the bonds early and at a low cost, the buying company can operate cash more effectively than simply depositing it in a bank, etc., so that both the buying company and the selling company can benefit. Considered.

In addition, the inventors of the present invention include such early reimbursement with computer devices held by the purchasing company for the management of the purchase of goods or services without the excessive time and effort of the financial or accounting personnel of the purchasing company. Using the data on the purchase of goods or services in the market, and considering the exchange of information and bidding with the purchasing company through the information and communication network, the early repayment of the receivables was considered in a very convenient way.

As a result of such consideration, the inventors reimburse the trade receivable for repayment of the receivables payable by the buyer to the seller in advance of the repayment date, in exchange for the provision of the goods or services through the intermediary between the buyer and seller of the goods or services. The present invention has reached a method.

Repayment method of the sales bond according to the present invention,

An intermediary computer operated by an intermediary with respect to the early repayment of trade receivables may receive information from the receivables from, or access the purchaser's computer, the purchaser's computer operated by the purchaser for the purchase of the goods or services and storing the information of the receivables. Receiving information of the bond, generating receivable information for early repayment of the sales receivable information storing step of storing in the intermediary computer;

The purchaser decides the first discount rate to be discounted on the trade receivables and the total amount to be paid through early repayment by accessing the intermediary computer through the purchaser terminal which is owned and accessible to the intermediary computer, and the total amount of the receivables stored in the intermediary computer. From the information for early repayment, the receivable that can be repaid earlier than the scheduled repayment date is selected, and the intermediary computer stores the information on the selected receivable, the first discount rate and the total amount. Selecting receivables;

The intermediary computer extracts information of the trade receivables for each seller from the information on the selected receivables, and holds the information of each extracted receivables by the seller who provided the goods or services related to the receivables; Transmitting information to a seller, each being transmitted to a seller terminal accessible to the intermediary computer;

The seller connects to the intermediary computer through the seller terminal, selects the trade receivable to be repaid early from the extracted trade receivable information, and determines the second discount rate that the seller intends to discount for the selected trade receivable, A second discount rate determining step of storing information of the selected trade receivable and information of the second discount rate;

A transaction in which the intermediary computer contrasts a first discount rate and a second discount rate with respect to the selected trade receivable and determines that a transaction for early repayment is established for the trade receivable with a second discount rate greater than the first discount rate within the total amount. Establishment decision step;

The intermediary computer determines each adjusted discount rate determined between the first discount rate and the second discount rate for each successful trade receivable for which a transaction is determined to be established, and according to the respective adjusted adjustment rates for each trade receivable. Determining a reconciliation rate to generate information about the amended redemption amount;

Wherein the intermediary computer generates information on the adjusted discount rate and the amended redemption amount for the traded trade receivable and transmits the information to the buyer's terminal and the seller's terminal of each seller who holds the traded trade receivable. Establishment information transmission step; And

And a repayment execution step in which the buyer repays each seller the amount according to the revised repayment amount for each trade receivable.

According to the configuration of the reimbursement method of the trade receivables according to the present invention, the method of the present invention is a buyer computer that the buyer operates for the purchase of goods and services and stores the information of the trade receivables, information of the receivables from the buyer computer An intermediary computer that receives or accesses the buyer's computer to generate and store information for the repayment of the accounts receivable, each of which is owned by the buyer and seller and can be connected to and exchanged with the intermediary computer. And a merchant network including a merchant terminal.

In the repayment method of the trade receivable of the present invention, a transaction for the early repayment of the trade receivable is performed between the buyer and the seller by the information for the early repayment of the trade receivable generated by the intermediary computer.

The buyer determines the first discount rate to be discounted to the trade receivable and the total amount of the amount that can be repaid early, and selects the trade receivable to be repaid early, and the seller who holds the trade receivable to the specific receivable to be repaid early. Select. These selections and selections are made at the purchaser terminal and the seller terminal, respectively, connected to the intermediate computer, and the selected or selected information is stored at the intermediate computer.

The intermediary computer determines the establishment of a transaction regarding early repayment based on the stored information and notifies the buyer and seller through the buyer terminal and the seller terminal.

Determination of the establishment of the transaction by the intermediary computer is made for the case where the second discount rate is greater than the first discount rate, and the buyer to the seller according to the amended repayment amount determined by the adjusted discount rate determined between the first discount rate and the second discount rate. Reimbursement for is made.

As a buyer, if the discount rate that can be expected by early repayment of short-term operation funds or idle funds through transactions according to the repayment method of the trade receivables of the present invention is higher than the interest rate that can be received when deposited in a financial institution such as a bank, You can benefit from the difference between the adjusted discount rate and the interest rate.

In general, the interest rates that companies can expect from depositing idle or short-term funds in financial institutions such as banks are currently very low. Therefore, if the discount rate is determined at a level higher than the first discount rate that is equal to or slightly higher than the short-term deposit interest rate of the financial institution in consideration of the opportunity cost, the buyer has a useful means of managing the funds.

As a seller, the adjusted discount rate required for early repayment of sales receivables in accordance with the present invention may be difficult to cash out or receivable as receivables by using a credit receivable loan or draft discount. If the loan rate is lower than the interest rate or discount rate that is applied to a separate loan through the financial sector, the difference can be obtained.

Generally, the interest rate or discount rate required by merchants, small and medium-sized firms, to obtain early cash or loans based on their own credit through credit-backed loans or draft discounts can be expected when companies deposit idle funds in financial institutions such as banks. It is considerably higher than the interest rate.

Considering such a market situation, the second discount rate of the seller is often presented higher than the first discount rate of the buyer in the transaction according to the present invention, and the transaction is established as an adjusted discount rate between the first discount rate and the second discount rate and thus the buyer The benefit of exceeding the deposit of idle funds with a financial institution is such that sellers can receive repayment of their receivables early at a lower cost than credit-backed loans, paper discounts, or other financial institution loans. do.

On the other hand, a large company makes a lot of purchases and issues a considerable number of trade receivables. For each trade receivable, they negotiate with the seller company, the creditor of the receivables, to obtain a discount rate that can benefit each other. The early repayment of trade receivables, which requires considerable manpower and time, is virtually impossible.

However, in the method according to the present invention, since the transmission, processing and processing of information for the early repayment of trade receivables are carried out through the computer network, the main procedure including the decision on the establishment of a transaction is carried out through the computer network. In the procedure for early repayment of the broker, the buyer and seller as well as the broker do not spend significant manpower and time in the course of the transaction according to the present invention.

In particular, the repayment method of the sales receivable according to the present invention is performed by a network centered on an intermediary computer operated by an intermediary that is a third party and not a trading party, such as a buyer and a seller, so that the trading parties can have confidence in the transaction. .

1 is a block diagram of a computer network for conducting a transaction according to an embodiment of the present invention,
2A-2D are flow charts illustrating the order of transactions in accordance with one embodiment of the present invention executed in the computer network shown in FIG.

Hereinafter, with reference to the drawings will be described a preferred embodiment of the repayment method of trade receivables according to the present invention. The embodiments described below are merely illustrative of one example in which the present invention is implemented, and the present invention is not limited to these embodiments, and various modifications, changes, and configurations are added within the scope of the claims. Possible modifications, additions of such modifications, changes and configurations are all within the scope of the present invention.

In the following description, the buyer is referred to as a purchasing company, and the seller is referred to as a selling company. Purchasing and selling firms are not limited to legal entities, but include individual entrepreneurs.

1 shows a schematic flow of information in a transaction in accordance with a computer network in which a method of repayment of trade receivables in accordance with an embodiment of the present invention and a method of repayment of receivables executed in the computer network.

The transaction related to the repayment method of the trade receivables according to the embodiment of the present invention is executed mainly by the intermediary computer 10 operated by an intermediary who is not a selling company or a purchasing company. The intermediary operates an intermediary computer 10 which becomes a platform for intermediating transactions of this embodiment, that is, transactions relating to early repayment of trade receivables. The intermediary computer 10 may be owned and operated by an intermediary, but may be composed of a server device, a database device, and a leased line used by the intermediary.

In addition, the intermediary computer 10 may not be operated directly by the intermediary, but may be maintained by a separate company under the consignment of the intermediary, or may be installed or connected to the system of the purchasing company in a separate solution format. have.

Computers 20 and 30 owned and operated by the purchasing company and the sales company respectively manage and integrate management activities such as production, logistics, finance, accounting, sales, purchasing, and inventory, and generate information from the company. Enterprise resource planning systems (ERP systems, 21, 32) to share their knowledge with each other and assist in the creation and decision-making of new information. These ERP systems (21, 31) are used to purchase goods and services, Information on sales and the management of trade or trade receivables arising from these transactions are stored and related information is stored.

Meanwhile, the purchasing company computer 20 and the selling company computer 30 do not mean only one computer device, but include terminals 21 and 31 used by persons in charge of purchasing or accounting. Such terminals 21 and 31 may be computers installed inside a purchasing company, but may also be information devices such as smartphones held by the person in charge, and any type of terminal may be connected to the ERP systems 22 and 32, respectively. And send and receive information.

The trade payables of the purchasing company are trade receivables from the sales company's point of view, and since they correspond to each other, the trade payables of the purchasing company are referred to as 'sales receivables' for convenience of understanding in the present specification.

On the other hand, the intermediary computer 10 does not mean any one computer device, but is composed of a plurality of servers or database devices operated by an intermediary and connected to each other by mutual networks to transmit and receive information.

Although the intermediate computer 10 is composed of a plurality of devices forming a computer network system, only the elements essential for describing the configuration and operation of the embodiments will be described below.

The intermediary computer 10 is connected to the ERP system 22 of the purchasing company through a network, the access server that can withdraw or receive information about the selling company and information on the receivables for the selling company from the ERP system 22 The device 11 is provided.

On the other hand, the intermediate computer 10 is provided with a web server device 12, the external computer devices that do not belong to the intermediate computer 10 through the web server device 12 is connected to the intermediate computer 10 to the intermediate computer Information provided by the intermediary computer 10 can be inquired through a web page provided by (10), or information about transactions can be transmitted and received.

Such external computer devices may be smartphones owned by the financial staff of the purchasing or selling company, or may be personal or server computers used within each company.

In the accompanying drawings and in this specification, a computer device used by a person in charge of a purchasing company is referred to as 'terminal 1' 21 for convenience of description, and sales companies that provide goods or services to the purchasing company and participate in the transaction of the present embodiment External computer devices used are referred to as 'terminal 2' 31.

There may be a number of selling companies that provide goods or services to one purchasing company, but in the drawings and the following description, for convenience of description, the computer 30 and the terminal 2 (31) and the ERP system (one owned by one selling company) 32) only shown and described.

In addition, the intermediary computer 10 is stored in the ERP system 22, terminal 1 (21), terminal 2 (31) of the purchasing company and banks that communicate with the intermediary computer 10 in the transaction of the present embodiment to transmit and receive information. Database device 13 for storing information received from computers 40 and 50, and bidding server device 14 for making various calculations and decisions regarding the brokering of transactions in accordance with information stored in database device 13 Is provided.

Meanwhile, in the present embodiment, the computer 40 of the bank with which the purchasing company deals is provided with a security loan management system 41, a deposit management system 42, and an electronic bill management system 43, which are one bank. Does not have to be on the computer, and the purchasing entity deals with different banks for the banks dealing in connection with the secured loans and its commitments for electronic accounts receivables, banks for deposits and electronic bills. These systems may be computers run by separate banks.

In addition, even when a purchasing company deals with a single bank for collateral loans, deposits and electronic bills of accounts receivables, the above systems do not need to be provided on a single computer, each on a plurality of computers operated by the bank. It may be provided.

2A to 2D are flowcharts illustrating steps in which the repayment method according to the present embodiment is performed in the system shown in FIG. 1 for the case of the accounts receivable in which the sales receivables are issued electronically.

Hereinafter, with reference to Figures 2a to 2c will be described for each step how the transaction for the early repayment mainly with respect to the electronic trade receivables. However, the method described below is not applicable only to electronic accounts receivables, and can be applied to both electronic bills and other types of trade receivables, and the procedure specific to electronic bills will be described separately with reference to FIG. 2D.

S1. Deal setup steps

In the repayment method of the foreign trade receivables according to the present embodiment, a period is set and a transaction regarding the early repayment of the foreign trade receivables between the buyer and the seller proceeds at the start and end of the schedule.

Accordingly, in order for one transaction to be initiated, the intermediary computer 10 notifies the terminal 1 (21) of the purchasing company and the terminal 2 (31) of the selling companies participating in the transaction at a predetermined start time point and notifies the transaction setting (S1). -1), the purchasing company and the selling company can confirm that the transaction is established through the terminal 1 (21) and the terminal 2 (31), respectively (S1-2).

S2. Account receivable information storage stage

When the transaction is set (S1), the access server device 11 of the intermediary computer 10 connects to the ERP system 22 of the purchasing company, and withdraws information of the foreign trade receivables held by the purchasing company (S2-1). . The information on accounts receivables includes information about creditors, ie sellers, the value and repayment date of the receivables and banks.

In this way, the connecting server device 11 of the intermediary computer 10 may be configured to transmit the information to the intermediary computer 10 to the intermediary computer 10 without the connection to the ERP system 22 of the purchasing company. .

Since the information retrieved from the purchasing company's ERP system 22 is stored according to the purchasing company's ERP system and has a specific format, the intermediary computer 10 accesses the information to the intermediary computer 10 in a later step. The other devices are provided in a predetermined format and processed into a form suitable for a transaction to be stored in the database device 13 as information for early repayment of the sales receivable (S2-2).

S3. Inquiry stage

Subsequently, the intermediary computer 10 requests confirmation of whether a security loan has been made for the trade receivables on the computer 40 of the bank for electronic credit sales receivables among information of the sales receivables stored in the database 13. Send.

The bank may be a main bank of a purchasing company, and the computer 40 may be connected to the ERP system 22 of the buying company to transmit and receive the receivable related information.

S4. Mortgage information transfer stage

Based on the information transmitted from the intermediary computer 10, the computer 40 of the purchasing business transaction bank checks whether the security loan has been executed on the credit sales receivable, and brokers information on whether the security loan is executed. Transfer to computer 10.

S5. Storage steps

The intermediary computer 10 checks the information transmitted from the computer 40 of the purchaser's trading bank, and the information for early repayment of the trade receivable except for the receivable in which the mortgage loan is executed among the trade receivables subject to the transaction. Is updated and stored in the database device 13.

S6. Deal Preparation Steps

Upon completion of the step S5, the intermediary computer 10 pays the terminal 1 (21) of the purchasing company through the discount rate and early repayment to select the receivables that the purchasing company can repay early in the transaction and to obtain a discount. Send information requesting the determination of the total amount possible.

S7. First Discount Rate Determination Step

The person in charge of the purchasing company checks the information transmitted by the intermediary computer 10 to the terminal 1 (21) of the purchasing company in step S6, and accesses the intermediate computer 10 through the terminal 1 (21).

In the web server device 12 of the intermediary computer 10, terminals 1, 2 (21, 31), such as a personal computer used by a purchasing company or a sales company or a smartphone possessed by a person in charge of the company, are intermediated through an information communication network. It is possible to access the computer 10 to check the information of the database device 12, which is accessible to the purchasing company or the sales company, respectively, and to provide an environment in which information about the transaction of the present embodiment can be transmitted or received. .

Subsequently, the person in charge of the purchasing company relies on the first discount rate that the purchasing company wants to discount through the transaction and the trade receivable in the transaction from information for early repayment of the trade receivable stored in the intermediary computer 10 through the terminal 1 (21). Determining and inputting the total amount that can be paid through early repayment (S7-1). The intermediary computer 10 receives the information input from the terminal 1, and stores the information about the first discount rate and the total amount in the database device 13 (S7-2).

The purchasing company may change the information of the first discount rate and the total amount stored by accessing the intermediary computer 10 through the terminal 1 21 before the step S9 of depositing the deposit.

S8. Selecting Receivables for Early Repayment

In addition, the person in charge of the purchasing company selects the sales bond that can be repaid earlier than the scheduled repayment date from the information for the early repayment of the sales bond stored in the intermediary computer 10 through the terminal 1 (21) (S8) -1), the intermediary computer 10 stores the information of the trade receivables selected by the purchasing company in the database 13 (S8-2).

On the other hand, in the present embodiment, after the purchasing company determines the first discount rate and the total amount to be paid for the trade receivables, the trade receivables to be repaid early are selected, but vice versa. Determining the first discount rate and the total amount for the transaction.

S9. Deposit deposit and deposit information transfer steps

After step S7 and step S8 or during step S7 or step S8, the purchaser deposits an amount corresponding to the total amount determined in step S7-1 to the deposit account opened in the bank with which the purchaser trades (S9-1). Such a deposit account may be opened in the bank of the purchasing company, but may be determined to deposit in a separate bank account designated by an intermediary.

When the deposit is deposited in the deposit account, the computer 40 of the purchaser's transaction bank sends information to the intermediary computer 10 about the fact that the deposit was deposited in the deposit account according to the information recorded in the deposit management system 42. (S9-2).

S10. Steps for sending information to the seller

When the intermediary computer 10 receives the information on the deposit deposit from the purchaser's trading bank computer 40 (S9-3), on the basis of the information on the receivables selected by the purchasing company, the broker computer 10 The information is extracted, and the information of each extracted trade receivable is transmitted to the terminal 2 (31) of the selling company having the receivable.

This transmission of information includes information about trade receivables that the selling entity can be redeemed early on, as well as alarm information that allows the selling company to participate in transactions relating to the early redemption of trade receivables.

S11. Second discount rate determination step

The person in charge of the sales company checks the information on the sales receivable which can participate in the early redemption transaction through the terminal 2 (31), and accesses the intermediary computer 10 through the terminal 2 (50), and the sales held by the selling company. Selecting a trade receivable to be repaid early among the bonds, and enters after determining the second discount rate to be discounted by the seller for the selected trade receivable (S11-1). The information of the selected sales receivable and the information of the second discount rate are stored in the database device 13 in the intermediary computer 10 (S11-2).

S12. Decision making stage

As such, after the purchaser selects a receivable that can be redeemed at an early stage, determines the first discount rate and the total amount to be repaid, and deposits a deposit, the seller selects the receivable that the selling entity wants to repay at an early stage and the second discount rate. Enters the transaction, the intermediary computer 10 may initiate the step of determining the receivable and the rate of adjustment that can be redeemed early, but the commencement of such a transaction involves selecting and receiving the trade receivable for each selling entity to be repaid. 2 may be started at a preset time even before the discount rate is determined.

Therefore, the selling company may proceed to the second discount rate determining step S11 even after the transaction is started until the end of the transaction.

When the preset time is reached, the bidding server device 14 of the intermediary computer 10 withdraws information about the transaction from the database device 13, and the first discount rate for the trade receivable selected by the selling company in step S11. And the second discount rate.

In this preparation, trade receivables with a second discount rate greater than the first discount rate may be determined as a transaction for early repayment, but the total amount determined by the purchaser to be repaid early for the receivables for which the transaction is concluded. It cannot be exceeded.

The bidding server device 14 determines that the transactions are established in the order of the difference between the first discount rate and the second discount rate among the trade receivables selected by the selling company, but the total repayment amount for the trade receivables in which the transaction is determined is greater than the total amount. Determining trade receivables is made to the extent that they do not.

If the sum of the amounts to be repaid for the receivables determined at the conclusion of the transaction at this stage is less than the total amount that the purchasing entity intends to repay early, the first discount rate for the receivables with the second discount rate lower than the first discount rate. The difference between the second and second discount rates may be included in the trade receivables up to the total limit in the order of the difference.

Meanwhile, in the process of determining the transaction establishment step S12, the purchasing company and the selling company may change the first discount rate and the second discount rate, respectively, through the following steps.

The intermediary computer transmits inquiry information on whether the first discount rate or the second discount rate is changed for each of the selected trade receivables, to the purchaser terminal and the sales company terminal (S12-1).

Next, the person in charge of the purchasing company or the sales company that has received the inquiry information from the terminal 1 (21) or the terminal 2 (31) changes the first discount rate or the second discount rate at the terminal 1 (21) or the terminal 2 (31). If the changed value of the first discount rate or the second discount rate is input, the terminal 1 (21) or the terminal 2 (31) transmits the reply information including the changed discount rate to the intermediary computer 10 (S12-2).

Subsequently, when the intermediary computer 10 receives the reply information including the changed first discount rate or the changed second discount rate from the terminal 1 (21) or the terminal 2 (31), the information of the changed first discount rate or the changed second discount rate is Stored in the database device 13 (S12-3), the bidding server device 14 withdraws the information of the changed first discount rate or the changed second discount rate from the database device 13 whether the transaction for the selected trade receivable is established Determine again (S12-4).

S13. Determine rate to adjust

In the preceding step, if it is determined whether or not a trade is established for the trade receivables selected by the purchasing company, the intermediary computer 10 determines that each trade receivable is determined between the first discount rate and the second discount rate for each trade receivable determined to be established. The adjusted discount rate is determined, and information about the redemption amount modified according to the adjusted adjustment rate for each trade receivable is generated and stored in the database device 13.

S14. Transaction establishment information transfer stage

When the adjusted discount rate is determined in the preceding stage, the intermediary computer generates information on the traded trade receivables with the adjusted discount rate and the reimbursement amount to which the adjusted discount rate is applied, that is, the modified redemption amount to which the discount is applied according to the adjusted rate at the face value of the trade receivable. To the terminal 1 (21) and the terminal 2 (31).

S16. Cancellation of mortgage agreement on accounts receivable

On the other hand, the intermediary computer 10 is the credit sales receivable entered into the terminal 2 (31) of the buying company with the transaction bank of the purchasing company for the credit sales receivable after the transaction establishment information or with the transmission of the transaction establishment information. Transmitting the information requesting the cancellation of the loan agreement secured by (S15-1).

The person in charge of the sales company checks the cancellation request information through the terminal 2 (31), and transmits the information requesting the cancellation of the accounts receivable to the computer 40 of the trading bank of the purchasing company (S15-2).

Meanwhile, the cancellation request for the mortgage loan agreement may be executed by the purchaser requesting the cancellation with the consent of the selling company according to the bank's policy (S15-2). The computer 40 of the trading company of the purchasing company cancels the collateral loan agreement for the foreign trade receivable and transmits the information on the cancellation to the terminal 2 (31) of the selling company and the terminal 1 (21) of the buying company. (S15-3).

The terminal 2 (31) of the selling company or the terminal 1 (21) of the purchasing company transmits the information about the fact that the contract of the credit sales receivable has been canceled to the intermediary computer 10 (S15-4), and the intermediary computer 10 Stores the transmitted information in the database device 13 (S15-5).

The information on cancellation of the collateral loan agreement may be directly transmitted from the purchasing company trading bank computer 40 to the intermediary computer 10 by a separate contract between the purchasing company's trading bank and the broker.

The selling company can realize premature repayment of the trade receivable by obtaining a loan from the trading bank of the buying company with the security of the accounts receivable issued in the name of the purchasing company. Therefore, in the repayment method according to the present embodiment, the sales entity or the purchaser of the credit receivable collateral contract is canceled by the selling company or the purchasing company, and the receivable company receiving early repayment by the repayment method according to the present embodiment The loans from banks can be prevented by securing the accounts receivable.

S16. Issuance of Amended Tax Invoice

When the intermediary computer 10 receives information about the cancellation of the security loan agreement of the foreign trade receivable from the terminal 2 31 of the selling company or the computer 40 of the trading bank of the purchasing company, the terminal 2 of the selling company ( 31) request issuance of a revised tax invoice based on the amended repayment amount for the foreign trade receivable (S16-1).

When such a request is received by the terminal 2 (31), the terminal 2 (31) issues a corrected tax invoice in the state of being connected to the intermediate computer 10 (S16-2), the issued corrected tax invoice is the intermediate computer (10) Is transmitted to the terminal 1 (21) to receive the corrected tax invoice (S16-3).

In this embodiment, the revised tax invoice is issued while the terminal 2 31 is connected to the web server device 12 of the intermediary computer 10, but the terminal 2 31 is connected to the ERP system 32 of the selling company. Information on the issuance of the revised tax invoice from the ERP system 32 of the selling company, transmitted to the ERP system 22 of the purchasing company, and to the intermediary computer 10 through the terminal 1 (21) of the buying company. Can be configured to be transmitted.

S17. Repayment Execution Steps

Upon receipt of the information on the issuance of the revised tax invoice (S16), the purchasing company pays the selling company a modified repayment amount for the trade receivable that has been established. In this embodiment, the repayment procedure is performed by the purchasing company directly or through a trading bank. Instead of being executed by repaying the trade receivables to the selling company, the intermediary computer 10 sends an instruction to pay the repayment amount to the computer 40 of the buying bank of the purchasing company and manages the deposit of the buying company trading bank computer 40. The system 42 executes by remitting the modified redemption amount from the deposit account to the merchant's bank account in accordance with the information about the amended redemption amount.

Specifically, the intermediary computer 10 checks the revised tax invoice issued by the selling company (S17-1), and transmits information instructing payment of the amended repayment amount to the trading bank computer 40 of the purchasing company. (S17-2).

Purchasing company transaction bank computer 40 transfers the modified repayment amount from the deposit account to the account of the selling company opened in the selling company's trading bank according to the instruction information from the intermediary computer 10, and at the same time, the intermediary computer 10 Information about the fact of the remittance is sent to S17-3.

The intermediary computer 10 receives the information about the remittance fact from the purchaser's trading bank computer 40, confirms the payment fact, determines that the transaction has ended for the trade receivable, and generates the information about the fact that the transaction has ended. It stores in the database device 13 (S17-4).

In the above-described embodiment, the accounts receivable are mainly accounts receivables issued electronically, but when the receivables are electronic bills, some procedures are different. Electronic bills will be described with reference to FIG. 2D corresponding to FIG. 2C.

The intermediary computer 10 transmits the transaction establishment information to the purchasing company and the selling company (S14), and then requests to return the electronic bill to the terminal 2 (31) of the selling company for the trade receivable issued with the electronic bill. (S15-5). The person in charge of the selling company checks this information through the terminal 2 (31) and transmits the return request information of the electronic bill to the trading bank computer 50 of the selling company (S15-6).

The trading bank computer 50 of the selling company executes the return of the electronic bill in the electronic bill management system 52 operating with respect to the electronic bill (S15-7).

Information about the return of the electronic bill is recorded on a computer (not shown) of a bill management institution such as the Financial Services Agency, and the computer 40 of the purchaser's trading bank receives the return information of the electronic bill from the computer of the bill management institution. This information is again sent to the purchasing company's computer 20 (S15-8), and the purchasing company's computer 20 receives the information and sends it to the intermediary computer 10 (S15-9).

When the intermediary computer 10 receives the electronic bill return information (S15-10), the process proceeds to the issuance of the revised tax invoice (S16) as in the case of the credit sales receivable, and the subsequent procedure proceeds in the same manner as the credit sales receivable. .

In the above-described embodiment, the sales receivables have been described mainly in the case of accounts receivables issued electronically or electronic bills, but when the sales receivables are paid in cash, the receivables of the accounts receivable secured loan agreement (S15). Except for), the same procedure as for early repayment of accounts receivable is made.

By the procedure described above, the early repayment of the sales receivable in the embodiment according to the present invention is completed, and the transaction ends.

On the other hand, a subsequent transaction can continue even after the termination of the transaction, and the subsequent transaction is also executed by the repayment method of the present embodiment.

The purchasing company may refer to the information on the transaction which has already been completed in making the transaction according to the present embodiment.

The database device 13 of the relay computer 10 includes information on the selling company, information on the established trade receivables, and transaction information on the trade receivables for which transactions have not been established for the transaction in which the early redemption is completed according to the present embodiment. When the purchasing company or the selling company transmits the information requesting the information about the closed transaction to the intermediary computer 10 through the terminal 1 (21) or the terminal 2 (31), the relay computer 10 sends a database. The device 12 transmits the information about the above-mentioned closed transaction to the terminal 1 or 2 (21, 31). The person in charge of the buying company or selling company can refer to the transmitted information in subsequent transactions.

10: relay computer 20: purchase enterprise computer
30: computer 40 of the sales enterprise; Computer bank
50: Seller Trading Bank Computer

Claims (12)

As a repayment method of a trade receivable for repaying a trade receivable which a buyer has to pay to the seller in exchange for providing the goods or services through the intermediary between the buyer and seller of the goods or services, before the repayment date,
An intermediary computer operated by an intermediary with respect to the early repayment of trade receivables may receive information from the receivables from, or access the purchaser's computer, the purchaser's computer operated by the purchaser for the purchase of the goods or services and storing the information of the receivables. Receiving information of the bond to generate the information for the early repayment of the trade receivables information for storing the receivables information stored in the intermediary computer;
The purchaser determines the total amount to be paid through the first discount rate and early repayment to be discounted on the trade receivables by accessing the intermediary computer through a purchaser terminal owned and accessible to the intermediary computer, and the receivable stored in the intermediary computer. Selecting a receivable that can be repaid earlier than the scheduled repayment date from the information for the early repayment, and wherein the intermediary computer stores the information of the selected receivable, the first discount rate and the total amount; Selecting receivables for repayment;
The intermediary computer extracts information of the trade receivables for each seller from the information on the selected receivables, and holds the information of each extracted receivables by the seller who provided the goods or services related to the receivables; Transmitting information to a seller, each being transmitted to a seller terminal accessible to the intermediary computer;
The seller connects to the intermediary computer through the seller terminal, selects the trade receivable to be repaid early from the extracted trade receivable information, and determines the second discount rate that the seller intends to discount for the selected trade receivable, A second discount rate determining step of storing information of the selected trade receivable and information of the second discount rate;
A transaction in which the intermediary computer contrasts a first discount rate and a second discount rate with respect to the selected trade receivable and determines that a transaction for early repayment is established for the trade receivable with a second discount rate greater than the first discount rate within the total amount. Establishment decision step;
The intermediary computer determines each adjusted discount rate determined between a first discount rate and a second discount rate for each trade receivable determined for which a transaction is established, and for each trade receivable, Adjusting the rate of adjustment to generate information regarding the repayment amount modified accordingly;
The intermediary computer generates the information on the adjusted discount rate and the revised repayment amount for the established trade receivable and transmits the information to the buyer terminal of the buyer and the seller terminal of each seller who holds the trade receivable. Transmitting information; And
The repayment execution step, wherein the buyer repays each seller the amount according to the amended repayment amount for each successful trade receivable.
Repayment method of receivables that will include. The method according to claim 1,
A deposit depositing step of depositing, by the purchaser, a deposit corresponding to the total amount to a deposit account opened by the buyer's bank after the early repayment target receivables selection step or the same time as the early repayment target receivables selection step; And
The deposit deposit information transmitting step of the computer that manages the deposit account transmits information about the fact that the deposit is deposited in the deposit account to the intermediary computer.
More,
And transmitting the information to the seller after the intermediary computer receives information on the fact that the deposit is received from the computer managing the deposit account. The method according to claim 2,
The repayment execution step includes the step of intermediary computer transmitting the information about the modified repayment amount to the computer managing the deposit account,
Wherein said repayment execution step is performed by a computer managing a deposit account remitting said modified repayment amount from a deposit account to a seller's bank account in accordance with information about said modified repayment amount. The method according to claim 1,
Before the repayment execution step, the seller further comprises the step of issuing a revised tax invoice that the seller issues a corrected tax invoice according to the revised payment amount and transmits it to the buyer computer through the seller terminal. How to repay a trade receivable. The method according to claim 1,
The method of claim 1, wherein the determination that the transaction is established in the transaction establishment step is made in the order of the difference between the first discount rate and the second discount rate among the selected trade receivables. The method according to claim 1,
The transaction establishment decision step,
A discount rate change inquiry step, wherein the intermediary computer transmits inquiries about whether the first discount rate or the second discount rate is changed for each of the selected trade receivables to the purchaser terminal and the seller terminal;
A reply step, wherein the buyer or seller transmits reply information including the changed first discount rate or the changed second discount rate, respectively, to the intermediary computer through the buyer terminal or the seller terminal; And
The intermediary computer receives from the purchaser terminal or the seller terminal the reply information including the changed first discount rate or the changed second discount rate and transfers the transaction for each selected trade receivable based on the changed first discount rate or the changed second discount rate. Steps to re-determine
Repayment method of receivables that will include. The method according to claim 5,
In the transaction establishment decision step, when the total amount of the trade receivables determined as the establishment of the transaction in this step is less than the total amount, the difference between the first discount rate and the second discount rate is different for the trade receivables having the second discount rate lower than the first discount rate. Reimbursement method of sales bonds to include in the traded trade receivables up to the limit of the total amount in a small order. The method according to claim 1,
And a transaction preparation step of transmitting, to the purchaser terminal, information for requesting the selection of the trade receivable which can be repaid early to the purchaser terminal before the early repayment target trade receivable selection step;
The early repayment target sales receivables selection step is a buyer's terminal repayment method of the sales bond that is initiated after confirming the information requesting the selection of the receivables that can be repaid early on the buyer terminal. The method according to claim 1,
The intermediary computer stores the seller's information, the information about the trade receivables established, and the trade information on the trade receivables for which the transaction has not been established for the transaction in which the early repayment of the trade receivable from the buyer to the seller has ended. Receiving a request from the buyer terminal sends the transaction information to the buyer terminal repayment method of the trade receivable. The method according to any one of claims 1 to 9,
The receivables are issued from the buyer to the seller as electronic draft,
The seller requests the return of the electronic bill to the computer operated by the bank which the buyer deals with the electronic bill according to the information received by the seller in the transaction establishment information transmission step through the seller terminal. Bill return request step of sending information
More,
The repayment execution step is the repayment of the trade receivable that is performed after the return of the bill is executed according to the bill return request step. The method according to any one of claims 1 to 9,
The trade receivables are issued from the buyer to the seller as an electronic trade receivables,
The sales receivable information storage step,
After the withdrawal or receipt of the information on the trade receivables held by the buyer from the buyer's computer, the broker's bank requests the intermediary computer to confirm that the security loan has been made on the credit receivable. A mortgage loan inquiry step of transmitting to a computer to use;
The computer used for collateral loan management of the foreign trade receivables generates information on whether or not to execute a security loan for the selected foreign trade receivables based on the information transmitted from the intermediary computer in the step of inquiring whether the loan is secured and transmitted to the intermediary computer. Mortgage loan information transmission step; And
Based on the information transmitted from the computer used by the intermediary computer for the collateral loan management of the foreign trade receivables in the step of transmitting the collateral loan information as information for the early repayment of the receivables, except for the receivables for which the security loan was executed. A storage step of storing in the intermediate computer;
Repayment method of receivables that will include. The method according to any one of claims 1 to 9,
The intermediary computer,
An access server device capable of accessing a buyer computer through a network to receive information about the seller and information about the trade receivable from the buyer computer;
A web server device connected to the purchaser terminal and the seller terminal through a network to transmit and receive information;
A database device for storing information received from the buyer computer, the seller computer, the buyer terminal, and the seller terminal; And
A bidding server device that performs the transaction establishment and adjustment rate determination step according to the information stored in the database device
Repayment method of receivables that will include.
KR1020160006651A 2016-01-19 2016-01-19 Method of payment for supplier's account receivable KR102009140B1 (en)

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