KR20010111476A - Aabs system - Google Patents

Abstract

The present invention relates to a method of operating a purchase-only card using a purchase-only card when purchasing raw materials and a transaction method that provides convenience for purchase and sale by using the payment account as an account where the payment amount is deposited when selling a product as a credit card. to be. By unifying sales and purchase payment accounts into a single bank account, automatic cash collateral is possible, so banks can expect a reduction in credit default rates and users can expect payment convenience.

Description

Operation method of purchase-only card that handles purchase price in one account as payment for card payment {AABS SYSTEM}

In general, payment practices between C and S are often unreasonable with deposits or cash payments.

<1> C is inconvenient to always prepare cash for payment or remit to S's account through a bank.

<2> S often induces C to stop paying or stops supply of goods in order to recover uncollected goods.

<3> The general liquor purchase card is the same as the debit card, so it is inconvenient to purchase the product only after depositing or retaining the product price in the raw material payment account.

[Measures for solving the problem]

The present invention relates to the operation of a purchase-only card between all operators (hereinafter referred to as C) and goods suppliers (hereinafter referred to as S).

<1> C has a negative bank account (hereinafter referred to as A) that a designated bank (hereinafter referred to as B) supports a certain loan.

<2> The positive amount of A in the balance of A may be withdrawn by C individually, but the negative amount of the balance may be withdrawn for the purpose of payment of goods purchase.

<3> Account A of C is a bank account where payment of credit card used by C's customer (U) is deposited, and at the same time, the amount that C pays to S is paid with purchase-only card as payment for commodity purchase. .

<4> A is an account in which the amount of money C's customer (U) pays with a credit card is always deposited, and at the same time, the price paid to S for payment of goods is settled. Since C's payout is always greater than the price of the purchased item, A's amount automatically remains. Therefore, the purchase price of commodities is automatically transferred to S 'account even though C does not care much about the purchase price of raw materials.

<5> AABS SYSTEM is not a credit card company but a transaction among buyers, sellers, designated banks, VAN operators, or banking networks.

<1> C is designated bank (hereinafter called B)

<2> A is settlement account

<3> U is customer

<4> S is raw material supplier

<5> Numbers in the representative diagram indicate the flow of the system.

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Claims (1)

<1> The deposit account (A) of the credit card payment amount used by customer U of C is the same as the withdrawal payment account (A) of the purchase-only card used for the purchase of raw materials. <2> The amount of credit card used by customer U of C deposited in account A is used for collateral and payment of purchase-only card that is paid when purchasing goods from S.