KR20010108543A - A system and method for managing an auction fund - Google Patents

Abstract

The present invention relates to an auction fund operating system and method for enabling prepayment or postpayment of some or all of auction bills on the basis of the bidder and the bidder's credit.

Auction brokers enter into agreements with financial institutions such as banks to raise auction funds. The auction fund is to provide a part of the goods price in advance in the form of a loan on the basis of the security in kind and the guarantee of the auction broker when the seller who registers the goods in the auction server of the present invention puts the goods in the warehouse designated by the auction broker. will be. In addition, the auction fund presents a bidding condition to the auction server of the present invention, if the buyer's credit is excellent for the successful bidder, the auction fund is paid to the seller in the form of a loan, and the buyer pays Afterwards, the bid price can be paid later. At this time, the loan interest for the winning bid price is paid by the auction broker instead.

Description

Auction Fund Operation System and Method {A SYSTEM AND METHOD FOR MANAGING AN AUCTION FUND}

The present invention relates to an online auction system and method, and more particularly, to an auction fund operating system and method for enabling prepayment or post payment of part or all of the auction price based on the bidder and the bidder's credit. will be.

At present, numerous kinds of auctions are carried out on a network via the Internet. Typical auction methods include (1) general auctions, (2) reverse auctions, and (3) secret auctions. In addition, various types of business models have been patented for such auctions, mainly in developed countries such as the United States, Japan, and Europe (Priceline's U.S. Patent No. 5,794,207, Mitsubishi's Japanese Patent Application Publication No. 11-66,168, and Hitachi's Japan). Korean Patent Application Laid-open No. Hei 10-240,823, etc.) is filed or registered.

In the online auction market, there is no established credit transaction active in spot market transactions. In other words, in most cases, cash settlement is a prerequisite for the completion of a transaction. If not, credit card payment is required, but for small payments, credit card payment is possible, but credit card payment is not appropriate for large business-to-business transactions.

In the auction of goods between companies, the bidder's position is that the seller of the goods cannot recover the funds immediately until the bid is successful. Since buyers must deposit their purchases immediately after a successful bid, there is a problem that the burden of funds is increased.

Therefore, the seller who puts the goods in the warehouse can prepay a part of the sales price with the received goods as collateral, and the buyer who has a good credit status can postpone the deposit period of the purchase price due to the successful bidding for a certain period of time. A new online credit model is required.

The first object of the present invention is to establish an auction fund on-line to prepay a part of the sale price for the bidder who put the bidding goods in the warehouse, the auction that can postpone the payment of the purchase price for the bidder bid It is to provide a fund management method.

It is a second object of the present invention to provide an auction fund operation system that can guarantee the credit transactions of bidders and bidders online by efficiently operating and managing the auction fund.

The auction fund operation system for achieving the second object of the present invention forms an auction fund at the request of the auction brokerage system, a plurality of bidder terminal, a plurality of bidder terminal, the auction brokerage system, the auction fund formed as described above And an internet banking server provided to bidders and bidders, the auction brokerage system, an internet banking server, a plurality of bidder terminals and a bidder terminal.

The auction brokerage system

Means for requesting the internet banking server to pay the bidder in advance to the bidder before a successful bid, based on the price of the auction item received from the bidder terminal and the quality of the goods received in the actual warehouse;

Auction management means for publishing the auction article on-line and receiving bid information from the plurality of bidder terminals to induce a successful bid of the auction article;

And means for requesting the internet banking server to pay the purchase price to the bidder of the auction item based on the bidder's credit information when the auction item is established.

In addition, the auction brokerage system

A member information database for storing personal information including credit information of the bidder and the bidder;

An item information database for storing information on the quantity, unit price, and quality grade of the auction item received from the bidder terminal;

A transaction information database for storing auction progress and auction results for the auction item;

It includes a credit information database for storing the credit status of the auction fund paid to the bidder and the bidder from the Internet banking server.

Accordingly, the prepayment requesting means for determining the prepaid amount based on the quantity, unit price, quality grade of the auction item stored in the article information database, and the bidder's credit information stored in the member information database, determines the prepayment amount. Ask the server.

The purchase price payment request means is based on the bidder's credit information stored in the member information database, the bidder's transaction history stored in the transaction information database and the credit rating stored in the credit information database. Determine whether to pay the replacement of the request to the Internet banking server.

Auction fund operation method for achieving the first object of the present invention is the auction brokerage system, a plurality of bidder terminal, a plurality of bidder terminal, the auction fund is formed according to the request of the auction brokerage system, the auction fund formed as described above In an online auction system comprising an internet banking server provided to bidders and bidders, the auction brokerage system, the Internet banking server, a plurality of bidder terminals and a network connecting bidder terminals,

Registering product information such as quantity, unit price, etc. received from the bidder terminal, and quality grade information of the received sales article in the article information database;

If the listing of the selling article is determined, requesting the internet banking server to deposit a portion of the selling price into the bank account of the bidder, and prepaying a portion of the selling price;

Receiving credit information such as credit principal, credit interest, etc. of the prepaid payout from the Internet banking server and registering the credit information in a credit information database;

An auction proceeding step of publicly listing the bidding information on the sale article and waiting for the bidding information of the bidder's terminal;

If the auction proceeds as a result of a successful bid between the bidder and the bidder, the purchase price received from the bidder, including the credit card, credit interest and auction fee, the remaining purchase price to the bidder.

In addition, the auction fund operating method of the present invention comprises the step of determining the credit status of the bidder by searching the credit information of the bidder from the member information database when a successful bid between the bidder and the bidder as a result of the auction;

In the credit status determination step, if the bidder's credit level is excellent, granting the bidder payment deadline for a predetermined period to the bidder terminal and requesting the internet banking server to make a payment on behalf of the purchase price. It includes the enemy.

Therefore, if the bidder pays the purchase price to the Internet banking server within the purchase price payment period, the Internet banking server only auction fee except for the credit interest as long as the delayed payment price to the auction brokerage system side give.

In addition, when a bid is not made between the bidder and the bidder until the credit period of the prepaid payout to the bidder is exceeded, the auction brokerage system may purchase the auction item that has been purchased by agreement with the seller.

The auction brokerage system may re-list the purchased auction items purchased at a lower price than the final listed price and attach them to the re-auction.

Other objects and advantages of the invention will be described below and will be appreciated by the practice of the invention. Furthermore, the objects and advantages of the present invention can be realized by means and combinations indicated in the appended claims.

The accompanying drawings, which are incorporated in and constitute a part of the specification, illustrate the presently preferred embodiments of the invention and, together with the description of the following preferred embodiments, serve to explain the principles of the invention.

1 is a configuration example of an auction fund operating system according to an embodiment of the present invention.

2A is a diagram illustrating an example of the configuration of a member information database.

2B is a diagram illustrating an example of the configuration of the article information database.

2C is a diagram illustrating an example of a configuration of a transaction information database.

2D is a diagram illustrating a configuration example of a credit information database.

3 is a flowchart illustrating a flow in which a seller, a bidder in a general auction, registers a sale article for auction in an auction server.

4 is a flowchart showing a flow of prepaying a part of the price of the auction item received by the seller using the created auction fund.

5 is a flowchart illustrating a flow in which a buyer as a bidder participates in an auction in a general auction.

6 is a flowchart illustrating a method for operating an auction fund according to the present invention.

<Description of the symbols for the main parts of the drawings>

100: network 200: auction server

210: member information registration means 220: article information registration means and reading means

230: auction management means 240: auction fund operating means

251: member information database 252: article information database

253: transaction information database 254: credit information database

300: banking server 400: seller terminal

500: buyer terminal

Hereinafter, with reference to the accompanying drawings will be described in detail a preferred embodiment of the present invention.

Figure 1 shows the configuration of the auction fund operating system of the present invention.

The auction fund operating system of the present invention includes a plurality of seller terminals 400, a plurality of buyer terminals 500, an auction server 200, a banking server 300, and a network for interconnecting these client-side terminals and a server computer ( 100).

The seller terminal 1 to n (400) is a client computer for transmitting information of goods sold through the auction to the auction server side, and has a display unit, a storage unit, an input unit, a communication control unit, etc., and the storage unit is connected to the auction server. To store a communication program and the like.

The seller terminal becomes the bidder terminal in the general auction, and the bidder terminal in the reverse auction.

The purchaser terminals 1 to n (500) are client computers that transmit the quotation conditions for the sale items auctioned to the auction server, and have a display unit, a storage unit, an input unit, a communication control unit, and the like, and the storage unit is connected to the auction server. To store a communication program and the like.

The purchaser terminal becomes the bidder's terminal in the general auction and the bidder's terminal in the reverse auction.

The seller terminal 400 and the purchaser terminal 500 include a personal computer, a portable personal terminal (PDA), a mobile communication device, a wireless Internet phone, and the like. Therefore, the network 100 may include both a wired Internet network, a wireless Internet network and a public telephone network.

However, hereinafter, the present invention will be described based on a case where the network is a wired Internet network based on the World Wide Web and the user terminal is a personal computer. However, it is a matter of course that the present invention is not necessarily limited to these examples.

The auction server 200 is a neutral institution that induces the conclusion of general auctions, reverse auctions, etc. by allowing a plurality of bidders to present a quote price based on bid information registered by a bidder.

Hereinafter, a case in which the present invention is implemented by a typical general auction method among various auction methods will be described. However, the present invention is not limited to one auction business model such as a general auction method, and of course, it applies to all commerce in which the technical idea of the present invention can be implemented, such as secret auction, reverse auction, and joint purchase. In particular, the present invention is most preferably applied to on-line electronic commerce of B to B for livestock products.

The auction server 200 of the present invention is a server computer including a central processing unit, an input device, an output device, a main memory, an auxiliary memory device, a communication interface, and the like, and a member information registration means 210, article information registration and reading means. Control means such as 220, auction management means 230, auction fund operation means 240, member information database 251, item information database 252, transaction information database 253, credit information database 254 And a database system 250.

The member information registration means 251 receives the personal information of the customer from the seller terminal 400 or the purchaser terminal 500 and stores and registers it in the member information database 251.

The goods information registration and reading means 220 receives the goods information such as the price of the goods sold, the unit price, etc. from the seller terminal, stores and registers them in the goods information database, and if requested to read from the buyer terminal goods information database The purpose is to disclose the product information stored in the online.

The auction management unit 230 proceeds with the auction by receiving a bid from a plurality of buyers by selling the article stored in the goods information database online, and stores the auction progress and the auction result in the transaction information database To build a database of transaction information.

The auction fund operating means 240 controls the credit situation between the seller terminal, the buyer terminal and the banking server when the banking server described below automatically loans and pays the auction fund to the account of the seller or the buyer, and controls the credit information. It is stored and managed in the credit information database.

The banking server 300 is a server computer of the bank side in partnership with the online auction broker of the present invention. That is, the auction broker establishes an auction fund by making an agreement with a financial institution such as a bank. The auction fund is to provide a part of the goods price in advance in the form of a loan on the basis of the security in kind and the guarantee of the auction broker when the seller who registers the goods in the auction server of the present invention puts the goods in the warehouse designated by the auction broker. will be. In addition, the auction fund presents a bidding condition to the auction server of the present invention, if the buyer's credit is excellent for the successful bidder, the auction fund is paid to the seller in the form of a loan, and the buyer pays Afterwards, the bid price can be paid later. At this time, the loan interest for the winning bid price is paid by the auction broker instead.

As such, when an auction fund is run jointly with a bank, banks can make loans that do not generate bad debts through secured loans with guaranteed collateral and guarantees. In addition, auction brokers can attract more companies that are passive in e-commerce due to the burden of cash payments into the online auction market, thereby enabling more active e-commerce.

2A shows an example of the configuration of the member information database.

The member information database 251 stores user identification information such as a customer ID, a customer name, a password, a contact number, a bank account number, etc. received from seller and buyer terminals, and credit information such as a member's credit level.

The credit level is determined by the auction broker based on the transaction history and credit information provided by the credit information company. The bank account number is used at the time of advance payment or post payment of the auction fund described below.

2B shows an example of the configuration of the article information database.

The item information database 252 includes specification information of the sale item received from the seller terminal (ie, the item type, detailed description of the product, product code, quantity, price, etc.), and the date when the sale item is received in the designated warehouse. And information such as the quality grade of the received goods.

2C shows an example of the configuration of the transaction information database.

The transaction information database 253 stores information such as a code of a listed product, a bidder, an initial listing date, an auction progress status, and an auction result. The progress of the auction refers to useful information generated as the auction proceeds, such as the starting price and the current price.

2D shows an example of the configuration of the credit information database.

The credit information database 254 stores credit conditions when the banking server credits the auction fund at the request of the auction server, in particular, the creditor, credit interest, credit date, credit result, deposit details, and the like. In addition, the credit information database stores the loan amount and the credit rating of the corresponding user used to determine the loan interest and loan interest when lending the auction fund for the seller and the buyer.

Hereinafter, the auction fund operating method of the present invention performed on the auction fund operating system described above will be described in detail.

3 is a flowchart showing a flow of a seller processing registration of a sale article in an auction server.

The seller who wants to sell the goods through the auction secures a data link between the auction server and the seller terminal by connecting his computer terminal to the auction server. If the data link is secured, the auction server transmits a login screen to the seller terminal (S304). If the seller receives a login screen (S306), the seller requests a membership to the auction server. (S310)

If there is a request for membership from the seller terminal, the auction server transmits a member registration screen to the seller terminal. (S312) Upon receiving the member registration screen (S314), the seller inputs the member information requested on the screen (S316), The input data is transmitted to the auction server. (S318) Upon receiving the member information data (S320), the auction server closes the member registration by storing the data in the member information database (S322).

If the seller who receives the login screen is a member, the user inputs an ID and password on the screen and transmits the authentication data to the auction server. (S324) The auction server receiving the ID and password searches the member information database (S326). Check whether the user is a political party member (S328)

The auction server transmits a goods registration screen to the seller who has completed the authentication (S330). Upon receiving the goods registration screen (S332), the seller enters information on the goods on the goods registration screen (S334). The input data is transmitted to the auction server. (S336)

The auction server that receives the sale article information from the seller terminal stores the article information data in the article information database and registers it (S340).

Fig. 4 is a flowchart showing the flow of a process of prepaying a part of an article price in the form of a loan to a seller.

The seller who has completed the registration of the sales goods receives the registered sales goods in the designated warehouse and notifies the auction broker. (S400) The auction broker who is notified of the goods receipt from the seller checks the quality of the goods received and checks the quality grade. (S402), and stores the grade level in the article information database (S404).

At this time, if the quality of the received goods is not an excellent level (S406), the goods are immediately disclosed online and listed without performing a prepayment process for goods described later. (S408) In addition, the quality of the received goods is auctioned. If it falls too far to proceed, the listing itself may be cancelled.

On the other hand, if the quality of the goods received is excellent (S408), the auction server refers to the price information of the goods information database and the credit information of the member information database and pays a part (50-100%) of the price of the goods received. The banking server requests the prepayment to be made. (S410).

The banking server, upon receiving a prepayment request from the auction server, automatically transfers the amount requested by the auction server to the seller's bank account based on the loan interest determined by the seller's credit and commitment. The banking server that paid for the goods transmits the loan conditions such as loan principal, credit interest, and loan period and the loan payment fact to the seller terminal (S412), and transmits the same credit information to the auction server (S416).

The seller who receives the loan payment fact and credit condition guide data checks whether the information provided by the banking server matches the fact (S414).

After receiving the credit information from the banking server (S418), the auction server stores the credit information data in the credit information database (S420), and publishes the registered sales article online and lists it (S422).

Due to the nature of the auction, which takes a long time from listing the goods to the final auction, bidders who register the goods are often not able to smoothly rotate the funds. However, for the bidders satisfying certain conditions as in the present invention, the bidder's money rotation problem can be solved to some extent by paying a part of the bidding goods in advance in the form of a loan.

FIG. 5 is a flowchart illustrating a process in which a buyer participates in an auction by submitting quotation data for listed sales items after registering as a member in an auction server.

In FIG. 5, the purchaser registers as a member in the auction server and authenticates whether a party user is the same as in FIG. 3. That is, since the processes of S500 to S526 of FIG. 5 are substantially the same as S302 to S328 of FIG. 3, a detailed description thereof will be omitted.

The auction server transmits the item list screen listed on the auction to the purchaser terminal when the connected buyer is a party member (S526). (S528) The buyer who receives the item list screen from the auction server (S530) can participate in the auction item Check whether there is any (S532).

At this time, if there is an auction item to participate in (S534), the buyer checks the current price for a specific listed item, and enters his own quotation data (S536), and transmits the quotation data to the auction server (S538).

Receiving the quotation data from the buyer terminal (S540), the auction server registers the quotation data in the transaction information database (S542), and waits for a bid of another buyer.

6 is a flowchart illustrating an operational process flow of an auction fund according to an auction progress result.

If a predetermined listing period is exceeded for the auction items disclosed and listed online (S600, S602), the auction server determines whether there is a bid from the buyer, and if there is a bid, determines the final auction. )

In this case, if a successful bid is not made within the listing period, it is determined whether the credit period of the prepaid goods price for the seller has been exceeded by referring to the credit information database. (S610) If the credit period is not exceeded, auctioned bid The product is re-listed and the process of S600 to S604 is repeated (S614). On the other hand, if the credit period is exceeded, the auction server determines that the auction has been sought (S612).

When the auction finally bids, the auction broker notifies the seller of the fact of bidding and, in consultation with the seller, purchases the bidding goods at a price of about 70 to 80% of the initial listing price (S616). The bank asks the banking server to pay the seller an amount excluding the credit interest during the credit period and the first fee such as the credit principal and the storage fee, and pays the corresponding amount of the credit principal and the credit interest to the Internet bank. (S618)

The auction broker who purchased the bidding goods discloses the purchased goods online and re-lists it (S620).

On the other hand, when the sale item is successful within the listing period of S604, the auction server notifies the successful bidder to both the seller terminal and the purchaser terminal. (S630) The auction server notifying the successful bidder, the buyer who has been successful by referring to the member information database Check your credit level. In this case, when the buyer's credit is not excellent (or not a VIP customer), the auction server requests the purchaser terminal to deposit a purchase price to the Internet bank. When the purchase price of the item is paid to the Internet bank, the banking server notifies the auction server of the payment amount of the purchase price. The auction broker who is notified of the payment amount of the purchase price instructs the logistics system to release the winning item. The winning bid product is shipped to the purchaser (S642).

Meanwhile, the banking server automatically transfers the remaining amount of the purchase price deposited by the buyer to the seller's account except for the first payment such as the credit principal, the credit interest, the auction fee, and the storage fee, which are prepaid to the seller in the form of a loan (S644). Auction fees and storage fees are paid to the auction broker. (S646)

If the buyer's credit is the superior level (in the case of the VIP customer) in S632, the auction broker instructs the logistics system to release the winning article and delivers the winning article to the buyer (S650). Defer the purchase payment 5 to 10 days, and asks the banking server to automatically transfer the balance from the purchase price to the seller's account excluding the commissions such as credit principal, credit interest, auction fee, and warehouse storage fee. (S652 )

When the payment period for the payment of the purchase price arrives and the purchaser pays the purchase price to the Internet bank (S654), the banking server pays the auction fee to the auction broker except for the interest of the credit during the payment grace period for the purchase price. Alternatively, when the auction broker pays the interest on the loan to the Internet bank during the grace period, the banking server pays the auction fee to the auction broker (S656, S658).

As described above, the present invention does not require the payment of the purchase price at the same time as the successful bid of the auction for the buyer with excellent credit, and gives a deposit grace period, and instead pays the purchase price to the seller in the form of a loan in the Internet bank, The interest is borne by the auction broker.

Therefore, the buyer does not have to make a cash payment at the same time as a successful bid, thereby reducing the burden of immediate fund raising.

The present invention is not limited to the above-described embodiments, and various modifications and variations are made by those skilled in the art within the equivalent scope of the technical concept of the present invention and the claims to be described below. Of course it is possible.

The present invention lends the auction funds in the form of loans to sellers and buyers who want to participate in the auction by setting up auction funds. Therefore, it is possible to prepay the sales price or postpay the purchase price, thereby enabling the credit transaction of the online e-commerce.

Claims (8)

An auction brokerage system, a plurality of bidder terminals, a plurality of bidder terminals, an internet banking server which forms an auction fund at the request of the auction brokerage system, and provides the auction fund thus formed to the bidder and the bidder, the auction brokerage system A network for connecting an internet banking server, a plurality of bidder terminals, and a bidder terminal; The auction brokerage system Means for requesting the internet banking server to pay the bidder in advance to the bidder before a successful bid, based on the price of the auction item received from the bidder terminal and the quality of the goods received in the actual warehouse; Auction management means for publishing the auction article on-line and receiving bid information from the plurality of bidder terminals to induce a successful bid of the auction article; And means for requesting the internet banking server to pay the purchase price to the bidder of the auction item based on the bidder's credit information upon the successful bidding of the auction item. Auction Fund Management System. The method of claim 1, The auction brokerage system A member information database for storing personal information including credit information of the bidder and the bidder; An item information database for storing information on the quantity, unit price, and quality grade of the auction item received from the bidder terminal; A transaction information database for storing auction progress and auction results for the auction item; And a credit information database for storing the loan status of the auction fund paid from the internet banking server to the bidder and the bidder. The method of claim 2, The prepayment request means determines the prepayment amount based on the quantity, unit price, quality grade of the auction item stored in the goods information database, and the bidder's credit information stored in the member information database, and transmits the prepaid amount to the internet banking server. Request; The purchase price payment request means is based on the bidder's credit information stored in the member information database, the bidder's transaction history stored in the transaction information database and the credit rating stored in the credit information database. Auction fund operating system, characterized in that for determining whether or not to pay the request to the Internet banking server. An auction brokerage system, a plurality of bidder terminals, a plurality of bidder terminals, an internet banking server which forms an auction fund at the request of the auction brokerage system, and provides the auction fund thus formed to the bidder and the bidder, the auction brokerage system In the online auction system consisting of a network for connecting the Internet banking server, a plurality of bidder terminal and the bidder terminal, Registering product information such as quantity, unit price, etc. received from the bidder terminal, and quality grade information of the received sales article in the article information database; If the listing of the selling article is determined, requesting the internet banking server to deposit a portion of the selling price into the bank account of the bidder, and prepaying a portion of the selling price; Receiving credit information such as credit principal, credit interest, etc. of the prepaid payout from the Internet banking server and registering the credit information in a credit information database; An auction proceeding step of publicly listing the bidding information on the sale article and waiting for the bidding information of the bidder's terminal; If the bidding is made between the bidder and the bidder as a result of the auction proceeding, comprising the step of paying the bidder only the remaining purchase price excluding the credit principal, credit interest and auction fee among the purchase price received from the bidder Auction fund operating method characterized in that. The method of claim 4, wherein When a successful bid is made between the bidder and the bidder as a result of the auction, determining the bidder's credit status by searching the bidder's credit information from a member information database; In the credit status determination step, if the bidder's credit level is excellent, granting the bidder payment deadline for a predetermined period to the bidder terminal and requesting the internet banking server to make a payment on behalf of the purchase price. Auction fund operating method comprising the. The method of claim 5, If the bidder pays the purchase price to the Internet banking server within the purchase price payment period, the Internet banking server pays only the auction fee except for the credit interest for the period of delayed payment of the purchase price to the auction brokerage system. Auction fund operating method, characterized in that. The method of claim 5, Auction fund characterized in that the auction brokerage system purchases the auctioned goods by agreement with the seller when the bidding is not made between the bidder and the bidder until the credit period of the prepayment paid to the bidder is exceeded How it works. The method of claim 7, wherein And the auction brokerage system re-lists the purchased bidding auction item at a lower price than the initial listing price and attaches it to the re-auction.