KR20020026322A - System and method for trade mediation using a communication network - Google Patents

Abstract

PURPOSE: A system and method for intermediating a trade using a network communication is provided to enable a seller or a buyer to export or import through an on-line and pay a commodity price to the seller in case that a normal transaction is completed by securing a price of an exported commodity as deposit money. CONSTITUTION: A seller terminal(200) supplies electronic catalogue information with respect to a commodity to be exported created by a seller and supports the seller for deciding an export of a commodity by responding to an importing condition. A buyer terminal(300) supports a buyer for designating a commodity to be imported using the electronic catalogue information and supplying the importing condition with respect to a designated commodity to the seller terminal(200). At least one certifying server(400) supplies deposit money in order the buyer to import a predetermined commodity by responding to a certifying request being received from an exterior. An intermediating server(500) supplies a web page for supplying an export commodity using an electronic catalogue being transmitted from the seller terminal(200), and enables the buyer to input an import condition by supplying a web page for inputting an import condition in case that an importer selects a commodity to be imported. The intermediating server(500) transmits the import condition prepared by the buyer to the seller terminal(200) and receives deposit money from the certifying server(400) in case that a transaction is achieved by the import condition. If the deposit money is supplied, the intermediating server(500) requests a commodity load to the seller, and supports a payment of a commodity price to the seller when the buyer transmits transaction completion information.

Description

Trade mediation system and method using network communication {SYSTEM AND METHOD FOR TRADE MEDIATION USING A COMMUNICATION NETWORK}

The present invention relates to a trade mediation system and method using network communication.

More specifically, network communication is provided to support sellers or buyers to export or import online, secure deposits of goods in advance as deposits, and allow sellers to pay the goods when the transaction is completed. It relates to the trade mediation system and method used.

When we buy things in the market, we check the condition of the goods, unless it is a special case, and pay for the goods only if the quality and the design match what we want.

However, in the trade transaction as described above, the delivery of goods and payment of goods are not made at the same time, and the goods are paid in advance or after payment. Therefore, sellers / buyers are either advantaged or disadvantaged in advance or afterpayment.

In other words, in the case of prepayment, sellers are advantageous because they receive the price of the goods in advance, but buyers are disadvantaged because they only pay the price of the goods and take the risk that they may not receive the items they want.

It is also disadvantageous for buyers to receive goods in advance, but sellers must take the risk that they may not be able to receive the goods because the sellers will ship the goods without payment.

Therefore, since the payment stage, which is the final stage of the trade transaction, settlement, has such a risk factor, it is said that the trade transaction is dangerous in the end, and sellers / buyers are difficult to achieve the premature trade transaction.

The Letter of Credit was created to overcome these difficulties. The credit is a promise to the seller to pay the import on behalf of the buyer, and under the above conditions, the seller is required to faithfully fulfill the matters specified in the credit and present evidence.

This ensures that sellers are committed to payouts, and buyers can be confident in their transactions. Therefore, payment through a letter of credit can be said to be a conversion of 'in-kind trading' into 'document trading'.

However, in the case of the above letter of credit, the buyer's letter of credit should be executed immediately after the contract, but the seller imports the goods at the time of shipment imminent after completing the seller's product, so it can remain as a stock of the product from the seller's point of view. There was a problem.

In addition, in the collection transaction that occurred after the transaction, not the transaction made by the letter of credit, the delivery of documents is mainly through a bank, and the payment period takes about 10 days or more. Since the documents are waiting for arrival, there is a problem of unnecessary warehouse costs and risks, and the probability of loss to the seller / buyer increases.

Therefore, it is required to search for a new payment method that can accept the existing trade procedures and letters of credit and make the paper documents electronic, facilitating access to the data, and saving time and money.

The present invention is devised to solve the conventional problems and to meet the demands, the object of the present invention is to support the seller or buyers to export or import online, and secure the deposit of the goods as deposits in advance. Is to provide a trade brokerage system and method using a network communication that supports the seller to be able to settle the price of goods when the transaction is normally completed.

1 is a view for explaining a trade mediation system using a network communication according to the present invention,

2 is a block diagram illustrating a configuration of an intermediate server applied to FIG. 1;

3A and 3B are flowcharts illustrating a trade mediation method using network communication applied to the present invention.

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

100: network communication network 200: Seller terminals

300: Buyer terminals 400: Warranty Servers

500: mediation server 510: Seller / Buyer Information DB

520: Product information DB530: Deposit information DB for payment

540: Credit Information DB550: Transaction Information DB

560: membership management module 570: trade mediation module

580: Credit Status Check Module

The present invention to achieve the above object, a network communication network; A seller terminal that provides electronic catalog information on the goods to be exported generated by the seller and supports the seller to determine the export of the goods according to the import conditions; A buyer terminal for allowing a buyer to designate an item to be imported using the electronic catalog information and to provide the seller terminal with an import condition for the designated item; At least one warranty server for providing a deposit for the buyer to import a predetermined item in response to a warranty request received from the outside; And providing a web page for providing export goods using the electronic catalog transmitted from the seller terminal, and providing a web page for inputting import conditions when the importer selects an item to be imported through the web page for providing export goods. Support the buyer to input the import conditions, and send the import conditions created by the buyer to the seller terminal to support the transaction can be made, if the transaction is made by the import conditions request the guarantee to the guarantee server When the deposit is provided and the deposit is provided, the seller requests the seller to ship the goods, and when the buyer receives the goods and transmits the transaction completion information, the network server comprises a mediation server configured to support the payment of the goods to the seller. Brokerage with trade Provide a stem.

In the present invention, the broker server further comprises a credit information DB for storing and managing credit information for at least one seller or buyer, wherein the broker server, the seller or buyer to register the goods or goods In case of making an online connection to import a credit card, the seller outputs a message for requesting credit confirmation information input to the seller or buyer, and checks whether the credit confirmation information input in response to the message exists in the credit information DB, thereby performing a credit transaction between the seller and the buyer. It provides a trade mediation system using network communication, characterized in that to support.

The above-described guarantee server may be a financial server supporting financial services in the region where the seller resides, or a financial server supporting financial services in the region where the buyer resides, or the seller and the buyer live. It is characterized in that the financial server that supports financial services in the area, not the area.

In the present invention, the seller terminal, the buyer terminal, at least one or more assurance server, the intermediary server is interconnected by a network communication network to export and import certain goods online, (1) the intermediary server Providing a main web page including a web page for registering goods information to be exported and goods information to be imported by the seller or buyer who has made an online connection, and a web page for providing an electronic catalog; (2) the broker server determining whether the imported goods information is selected by the buyer; (3) when the imported goods information is selected by the buyer, the intermediary server transmitting an import web page to the buyer terminal to input information on an import price, a shipping period, and a payment method; (4) When an import web page in which the import condition is input is transmitted from the buyer terminal, the mediation server transmits the import web page including the import condition to the corresponding seller terminal by using an e-mail and registers in the transaction information DB. Making process; (5) the mediation server determining whether transaction approval information is received from the seller terminal; (6) when the transaction approval information is received from the seller terminal, the mediation server transmitting a transaction contract to the seller terminal and the buyer terminal by using an e-mail; (7) determining whether contract establishment information is received from the seller terminal and the buyer terminal; (8) when the contract establishment information is received, the mediation server transmitting contract establishment information and transaction information to a guarantee server desired by the seller and the buyer; (9) the intermediate server determining whether the deposit information is received from the buyer terminal; (10) if the deposit information is received from the buyer terminal, the mediation server transmits the deposit information to the seller terminal and requests shipment of the corresponding goods; (11) determining whether transaction completion information is received from the buyer terminal; And (12) when the transaction completion information is received, the mediation server provides a trade mediation method using a network communication, characterized in that consisting of the process of payment of the goods price using the deposit.

In addition, in the present invention, when the broker or buyer makes an online connection to register the goods or import the goods, the broker server outputs a request for inputting credit confirmation information to the seller or the buyer, and is input in response to the message. Checking whether the credit confirmation information exists in the credit information DB provides a trade brokering method using a network communication, characterized in that it further includes a process for supporting a credit transaction between the seller and the buyer.

In addition, in step (8), the mediation server supports a financial service in the region where the seller resides or the buyer's region in response to a request of the seller and the buyer. A financial server that supports financial services in a region other than the region where the seller or buyer resides and designates a financial server as an assurance server, and transmits contract establishment information and transaction information to the assurance server. Characterized in that.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

As shown in FIG. 1, the system according to the present invention is a wired / wireless network communication network including the Internet, an infrastructure, a dedicated network (particularly an Asymmetric Digital Subscriber Line (ADSL) network), etc., and includes a seller terminal 200 and a buyer terminal 300. , The assurance server 400 and the intermediary server 500 is composed of a network communication network 100 to establish a communication environment.

That is, the seller terminal 200 provides the electronic catalog information on the goods to be exported generated by the seller, and supports the seller to determine the export of the goods according to the import conditions.

In addition, the buyer terminal 300, the buyer (Buyer) is able to specify the goods to be imported using the electronic catalog information, it is possible to support to provide the seller terminal 200 with the import conditions for the specified goods. have.

In addition, the warranty server 400, at least one or more to provide a deposit for the buyer to import the predetermined goods in response to the warranty request received from the intermediate server 500 to be described later.

In addition, the intermediary server 500 may provide a web page for providing export goods using an electronic catalog transmitted from the seller terminal 200 and the importer may select an item to be imported through the web page for providing export goods. In this case, by providing a web page for inputting import conditions, the buyer may support input of import conditions.

In addition, the intermediary server 500 supports the transaction to be made by transmitting the import condition created by the buyer to the seller terminal 200, and guarantees the guarantee server 400 when the transaction is made under the import condition. When the deposit is received and the deposit is provided, the seller requests the seller to ship the goods, and when the buyer receives the goods and transmits the transaction completion information, the seller is configured to support the payment of the goods.

That is, the broker server 500 as described above, as shown in Figure 2, the seller / buyer information DB 510, the article information DB 520, the deposit amount information DB 530 for payment, credit, The information DB 540, the transaction information DB 550, the member management module 560, the trade mediation module 570, and the credit status check module 580 are configured to be included.

A plurality of seller / buyer information may be stored in the seller / buyer information DB 510 as described above, and a plurality of article information and electronic catalog information provided by the seller may be stored in the article information DB 520. have.

In addition, the payment deposit information DB 530 can store the deposit information deposited by the seller, credit information for at least one seller or buyer is stored and managed in the credit information DB (540).

In addition, the transaction information DB (550) is to store information related to such as purchase conditions / contracts generated by the trade transaction between the seller and the buyer, and if the seller and the buyer wants to use the trade transaction online as a member The member information input by the seller and the buyer is also registered and stored in the seller / buyer information DB 510 and managed by the member management module 560.

In addition, the credit status check module 580 may provide goods information and catalog information registered in the goods information DB 520 so that a trade transaction can be made between the seller and the buyer, and input purchase conditions to the buyer. It provides a web page, and sends a transaction contract to the seller and buyers to support the transaction is made, and when the transaction is made, read the corresponding deposit information from the payment deposit information DB 530 for payment and supplies the deposit except the fee The trade brokerage module 570 and the member which register the seller or buyer information which provided the cause of destruction by analyzing the cause of destruction when the trade transaction is destroyed halfway while supporting the settlement of the price in the credit information DB 540. Whether the seller / buyer information input by the management module 560 exists in the credit information DB 540. Check-in will check the credit standing of sellers or buyers to currently registered as members.

In addition, the trade mediation module 570 of the mediation server 500 may support the non-warranty of the guarantee server 400 when a small transaction is made between the seller and the buyer.

The credit check module 580 of the mediation server 500 outputs a credit confirmation information input request message to the seller or the buyer when the seller or the buyer makes an online connection to register the goods or import the goods. It checks whether the credit confirmation information input in response to the message exists in the credit information DB 540 and supports the credit transaction between the seller and the buyer.

The intermediary server 500 supports the seller to register the goods information to be sold, thereby automatically connecting the seller and the buyer to sell and purchase the same goods, so that a trade transaction can be made.

The warranty server 400 may be a financial server supporting financial services in an area where the seller resides, or a financial server supporting financial services in an area where the buyer resides, or an area in which the seller and buyer live. It is a financial server that supports financial services in other regions.

The financial server is a bank server or a guarantee insurance server, which is affiliated with the intermediary server 500, and checks the buyer's credit.

The operation of the trade intermediation system using the network communication configured as described above will be described with reference to FIGS. 1 to 3 as follows.

3A and 3B are flowcharts illustrating a trade mediation method using network communication applied to the present invention.

First, the mediation server 500 provides a main web page including a web page for registering a product information to be exported and a product information to be imported by a seller or buyer who has made an online connection, and a web page for providing an electronic catalog. (S100).

In addition, the mediation server 500 determines whether the imported goods information is selected by the buyer (S110). When the imported goods information is selected by the buyer as a result of the determination in step S110, the mediation server 500 displays an import web page for inputting information on an import price, a shipment period, and a payment method. Transmit (S120).

On the other hand, as a result of the determination in step S110, if the imported goods information is not selected by the buyer, it is determined whether cancellation information is input (S220), and when cancellation information is input (YES in S110), the credit rating of the buyer is determined by credit information. After registering in the DB 540, it ends. If no cancellation information is input (NO in S110), the standby state is maintained or another menu selected by the buyer is provided.

When the import web page in which the import condition is input is transmitted from the buyer terminal 300, the mediation server 500 uses the e-mail to display the import web page including the import condition in the corresponding seller terminal. Transfer to the 200 and register in the transaction information DB (550) (S130).

The mediation server 500 determines whether transaction approval information is received from the seller terminal 200 (S140). When the transaction approval information is received from the seller terminal 200 as a result of the determination in step S140, the mediation server 500 transmits the transaction contract to the seller terminal 200 and the buyer terminal 300 using an email (S150). .

On the other hand, if the transaction approval information is not received from the seller terminal 200 as a result of the determination in step S140, it is determined whether the cancellation information is input. After registering in the DB 540, it ends. If no cancellation information is input (NO in S140), the standby state is maintained or another menu selected by the buyer is provided.

The mediation server 500 determines whether contract establishment information is received from the seller terminal 200 and the buyer terminal 300 (S160). When the contract establishment information is received as a result of the determination in step S160, the mediation server 500 transmits the contract establishment information and transaction information to the guarantee server 400 desired by the seller and the buyer (S170). That is, the guarantee server 400 is a financial server supporting financial services in the region where the seller resides or a financial server supporting financial services in the region where the buyer resides or an area where the seller and buyer live. A financial server supporting financial services in a non-regional area (for example, a service area of a third country or a service area of a mediation server) establishes a mutual partnership through the mediation server 500. Therefore, the intermediary server 500 selects a financial server in response to a request of the seller and the buyer, and issues an electronic credit from the selected financial server.

On the other hand, if it is determined in step S160 that the contract establishment information is not received from the seller terminal 200 and the buyer terminal 300, it is determined whether cancellation information is input (S240), and if cancellation information is input (example of S160). The buyer's credit rating is determined and registered in the credit information DB 540, and then ends. If no cancellation information is input (NO in S160), the standby state is maintained or another menu selected by the buyer is provided.

In addition, the mediation server 500 determines whether the deposit information is received from the buyer terminal 300 (S180). When the deposit information is received from the buyer terminal 300 as a result of the determination in step S180, the broker server 500 transmits the deposit information to the seller terminal 200 and requests shipment of the corresponding article (S190).

In addition, the mediation server 500 determines whether the transaction completion information is received from the buyer terminal 300 (S200). When the transaction completion information is received as a result of the determination in step S200, the mediation server 500 supports the payment of the goods price excluding the fee to the seller using the deposit.

On the other hand, if the deposit information is not received from the buyer terminal 300 or the transaction completion information is not received from the buyer terminal 300 as a result of the determination of the process S180 or S200 (S250) (S260) When the cancellation information is input (Yes of S250 and S260), the credit rating of the buyer is set, registered in the credit information DB 540, and then ends. If no cancellation information is input (NO in S250 and S260), the standby state is maintained or another menu selected by the buyer is provided.

When the seller or the buyer makes an online connection to register the goods or import the goods, the mediation server 500 outputs a credit confirmation information input request message to the seller or the buyer, and the credit is input in response to the message. It checks whether the confirmation information exists in the credit information DB 540 and supports the credit transaction between the seller and the buyer.

In addition, the mediation server 500 supports a small transaction to be made under no guarantee of the guarantee server 400.

The present invention is not limited to the embodiments described above, and various modifications and changes can be made by those skilled in the art, which are included in the spirit and scope of the present invention as defined in the appended claims.

As described above, the present invention supports a seller or buyer to export or import online, and secures the exported goods as deposits in advance, so that the goods can be paid to the seller when the transaction is completed normally. To ensure that sellers and buyers can trade with confidence.

In addition, the present invention achieves the effect of enabling the seller or buyer to sell or purchase the desired item in a short time to achieve economic activation.

Claims (6)

Network communication network; A seller terminal that provides electronic catalog information on the goods to be exported generated by the seller and supports the seller to determine the export of the goods according to the import conditions; A buyer terminal for allowing a buyer to designate an item to be imported using the electronic catalog information and to provide the seller terminal with an import condition for the designated item; At least one warranty server for providing a deposit for the buyer to import a predetermined item in response to a warranty request received from the outside; And The buyer provides a web page for providing export goods using the electronic catalog transmitted from the seller terminal and provides a web page for inputting import conditions when the importer selects an item to be imported through the web for providing export goods. To input the import conditions, and send the import conditions created by the buyer to the seller terminal to support the transaction, and if a transaction is made under the import conditions, request a guarantee to the guarantee server and deposit a deposit. When receiving the deposit and the deposit is provided to ask the seller to ship the goods, if the buyer receives the goods and sends the transaction completion information, the network communication comprising a mediation server configured to support the seller to pay the goods price Trade brokerage system . The method of claim 1, wherein the mediation server, It further includes a credit information DB for storing and managing credit information for at least one seller or buyer, The mediation server outputs a credit confirmation information input request message to the seller or the buyer when the seller or the buyer makes an online connection to register the goods or import the goods, and the credit confirmation information input in response to the message is displayed. Trade brokerage system using a network communication, characterized in that to support the credit transaction between the seller and the buyer by checking the existence in the credit information DB. The method of claim 1, wherein the warranty server, A financial server supporting financial services in the region where the seller resides, a financial server supporting financial services in the region where the buyer resides, or a financial service in a region other than the region where the seller and buyer reside. Trade mediation system using network communication, characterized in that the financial server supporting. Claims [1] A trade transaction method in which a seller terminal, a buyer terminal, at least one guarantee server, and an intermediary server are interconnected by a network communication network to export and import certain goods online. (1) a process in which the mediation server provides a main web page including a web page for registering a product information to be exported and a product information to be imported by a seller or a buyer who has an online connection and a web page for providing an electronic catalog; ; (2) the broker server determining whether the imported goods information is selected by the buyer; (3) when the imported goods information is selected by the buyer, the intermediary server transmitting an import web page to the buyer terminal to input information on an import price, a shipping period, and a payment method; (4) When an import web page in which the import condition is input is transmitted from the buyer terminal, the mediation server transmits the import web page including the import condition to the corresponding seller terminal by using an e-mail and registers in the transaction information DB. Making process; (5) the mediation server determining whether transaction approval information is received from the seller terminal; (6) when the transaction approval information is received from the seller terminal, the mediation server transmitting a transaction contract to the seller terminal and the buyer terminal by using an e-mail; (7) determining whether contract establishment information is received from the seller terminal and the buyer terminal; (8) transmitting the contract establishment information and transaction information to the guarantee server desired by the seller and the buyer, when the contract establishment information is received; (9) the intermediate server determining whether the deposit information is received from the buyer terminal; (10) if the deposit information is received from the buyer terminal, the mediation server transmits the deposit information to the seller terminal and requests shipment of the corresponding goods; (11) determining whether transaction completion information is received from the buyer terminal; And (12) When the transaction completion information is received, the mediation server is a trade mediation method using a network communication, characterized in that consisting of the process of payment for the goods price using the deposit. The method of claim 4, wherein The intermediary server outputs a credit confirmation information input request message to the seller or buyer when the seller or buyer makes an online connection to register the goods or import the goods, and the credit verification information input in response to the message is the credit information. The method of claim 11 further comprising the step of supporting the credit transaction between the seller and the buyer by checking whether it exists in the DB. The method of claim 4, wherein The mediation server may be a financial server supporting financial services in the region where the seller resides or a financial server supporting the financial services in the region where the buyer resides in response to a request of the seller and the buyer. Designating one of the financial servers that support financial services in the region other than the region in which the user resides as a guarantee server, and transmits the contract establishment information and transaction information to the guarantee server. Trade mediation method.