KR20020091318A - Method of bond cession and loan-via-internet-banking on mortgage of credit bonds - Google Patents

Abstract

PURPOSE: A method for a cession of an obligation and a credit obligation loan on security using an Internet banking is provided to perform an accurate cession approval with respect to a sale obligation according to each case and introduce a simple obligation cession business among a selling company, a purchase company, and a financial institution. CONSTITUTION: A selling company demands a loan request with respect to a price corresponded to a commodity which is sold to a purchase company from a financial institution(S41). The financial institution stores the loan request supplied from the selling company in a predetermined database(from the first database to the 'N'th database) of a financial institution server, the purchase company supplies loan request details of the selling company through an Internet network(or, public telecommunication network, private line, VAN, etc)(S42). Also, the purchase company connects to the financial institution server through the Internet network and inquires loan request details of the selling company in real time. The purchase company receives and examines the loan request details being supplied from the financial institution server, and approves the loan(S43). If the loan approval is achieved, a loan approval amount of money is automatically transferred to a depositing account of the selling company(S44).

Description

Method of bond cession and loan-via-internet-banking on mortgage of credit bonds}

The present invention relates to a bond transfer and credit bond loan method using Internet banking, and in particular, when applying for loans secured by credit accounts receivables, the loan application details are provided to purchasers through internet banking, and the internet banking is provided. The present invention relates to a bond transfer and a credit bond secured loan method using internet banking to receive a loan acceptance (bond transfer acceptance) for the loan application details from a purchasing company.

With the development of electronic and communication technologies, the share of the electronic commerce market through data communication networks (ie, the Internet network) is gradually increasing. Although e-commerce is mostly in the form of B2C using a so-called Internet shopping mall for general consumers (ie individuals), the so-called B2B market, which is centered on large-scale e-commerce between companies and enterprises, is gradually being used on the Internet due to cost reduction. It is incorporated.

However, e-commerce in the B2B market, where large business-to-business transactions are formed, is not yet active. This is because the B2B market is still uncomfortable in paying the large sums of money required to trade large commodities, and in particular, no reliable system has been established to establish reliability. As a result, the purchase, delivery and payment of goods between companies is carried out in the same way as in the off-line market, and therefore, there are many limitations in speed, convenience and cost reduction.

In addition, in recent years, the issuance of bills for purchase of goods between buyers and sellers has been abolished, and a number of buyers who pay the purchase price of goods by paying the purchase payment payment details to the financial institutions are required to pay the payer of the purchase debt. For example, it is difficult to do business because it is not clearly defined (for example, payment to a financial institution if it is treated as a mortgage loan or to a selling company if it is not a mortgage). To solve this problem, when financial institutions deal with loans secured by sales receivables of a selling company, a method of comprehensively receiving receivables from the selling company and receiving a comprehensive transfer approval as a purchasing company is proposed. There is insufficient clear transfer ground for.

Therefore, there is an urgent need to clearly approve the transfer of trade receivables on a case-by-case basis, as well as to introduce a simple transfer of bonds between selling companies, purchasing companies, and financial institutions.

Accordingly, the present invention has been made to solve the above-mentioned problems, credit guarantee loans using Internet banking that introduces a clear transfer approval of sales receivables on a case-by-case basis, as well as a simple bond transfer between the selling company, purchaser and financial institutions In providing a method.

1 is a block diagram of a financial settlement system for explaining the present invention.

Figure 2 is a flow chart for explaining the contracting step of the present invention.

3 is a flowchart illustrating the purchase of goods of the present invention.

Figure 4 is a flow chart for explaining the loan payment step of the present invention.

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

10: purchasing company server 20: selling company server

30: Internet network 40: financial institution server

11: first purchasing company server 12: N purchasing company server

21: first selling company server 22: N-th selling company server

41: first financial institution server 42: Nth financial institution server

43: first database 44: Nth database

The present invention comprises the steps of registering the information on the purchase history of the goods in the server of the financial institution in the state in which the agreement between the financial institutions for payment of goods between the purchasing company and the selling company is concluded; Registering, by the selling company, a loan application after looking up the purchase history of the goods registered in the server of the financial institution; Providing a loan acceptance to the server of the financial institution through the communication network after searching and reviewing the loan application history registered in the server of the financial institution; And when the loan acceptance is made from the purchasing company, and comprises the step of automatically transferring the loan acceptance amount to the deposit account of the selling company.

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

FIG. 1 is a diagram illustrating a financial settlement system of a purchasing company, a selling company, and a financial institution for explaining a method of loan secured by credit bond using Internet banking according to an embodiment of the present invention.

Referring to FIG. 1, a purchasing company may purchase a purchasing company server 10 (that is, a first purchasing company server 11 to an Nth purchasing company server 12) for processing various tasks for purchasing goods for each business place. Configure. The selling company constitutes a selling company server 20 (that is, the first selling company server 21 to the N-th selling company server 22) for processing various tasks for selling goods for each business place. The financial institution provides data to the purchasing company server 10 and the selling company server 20 through the Internet network 30 (or public telecommunication network, leased line, VAN, etc.), as well as the purchasing company server 10 and the selling company server ( Financial institution server 40 (ie, first financial institution server 41 to N-th financial institution server 42) for processing data transmitted from 20 and first database 43 for storing data. To N-th database 44. In addition, the purchasing company server 10 and the selling company server 20 are connected to the financial institution server 40 through the Internet network 30 (or public communication network, leased line, VAN, etc.).

Referring to the loan security method of credit receivable using the financial settlement system configured as described above are as follows. In general, a predetermined agreement is concluded between a purchasing company, a selling company, and a financial institution, as shown in FIG.

The purchaser and the financial institution sign the electronic payment service contract for the enterprise (step S21). When the electronic payment settlement agreement is concluded between the purchasing company and the financial institution, the purchasing enterprise is based on the electronic payment settlement agreement with the financial institution, and between the purchasing company and the selling company, a contract for mutual payment for the purchase and sale of goods at each workplace is established. It is fastened (step S22). As the agreement between the purchasing company and the selling company is converted from the conventional bill payment method to the electronic payment method, it is an agreement for the purchase and sale of goods between the purchasing company and the selling company, and all payments are on-line. is an electronic payment arrangement to be made on line. In addition, arrangements made between the purchasing company and the selling company may be made off-line or on-line.

The enterprise-only electronic payment service contract includes all contracts for the payment now, including the loan rate of the selling company, the payment method according to the lending of the selling company, the maturity date of the payment and the loan acceptance of the lending company. In addition, an enterprise-specific electronic payment service contract may be performed off-line or on-line.

The financial institution shall provide the contracting entity with the purchaser on-line or in writing according to the contract for the electronic payment service for the enterprise concluded with the purchaser (step S23), and the selling company may separate the electronic payment service contract for the enterprise. If there is no objection, the contract with the selling company including the credit limit is concluded (step S24). As the credit limit is previously concluded in the enterprise-only electronic payment service contract between the purchasing company and the financial institution in step S22, a separate credit examination for the selling company is omitted. Arrangements between financial institutions and selling companies may be made off-line or on-line.

The financial institution provides the purchaser through on-line or written agreement with the seller, and all the agreements between the purchaser, the seller and the financial institution are concluded (step S25).

As described above, when all agreements are concluded between a purchasing company, a selling company, and a financial institution, a commerce occurs according to the purchase and sale of goods between the purchasing company and the selling company. This is provided as follows.

The purchasing company and the selling company make and purchase goods for each business place (step S31). The purchasing company receives the purchase history of the goods purchased from the selling company through the first purchasing company server 11 and the Nth purchasing company server 12 installed at each business site, and then purchases the purchase history on the Internet network 30 (or public). Communication network, dedicated line, and VAN) to the financial institution server 40 of the financial institution (step S32). In this case, the purchasing company does not provide the purchase history through e-mail or in writing, but accesses the financial institution server 40 of the financial institution through the Internet network 30 (or public communication network, leased line, and VAN). The purchase history is made in accordance with the purchase history form provided in (40). The purchase details provided by the financial institution server 40 include "electronic payment contract number, supplier business number, purchased goods, purchase date, tax invoice details, purchase price payment amount, payment date and other details required for information management", and the like. Included. In addition, the purchase history is additionally provided with the name of each business place on the purchased goods history so that the selling company can easily know the details of the collection of payments by each business place. In addition, the purchase details of the goods may be written for each workplace of the purchasing company or integrated for each workplace.

The financial institution provides the purchasing history provided from the purchasing company to the selling company (step S33). In this case, the financial institution does not provide the purchase history of the purchasing company to the selling company by e-mail or in writing, but stores the data in the databases (first and Nth databases 43 and 44) configured in the financial institution server 40. The selling company may access the financial institution server 40 of the financial institution through the Internet network 30 (or a public communication network, a dedicated line, a VAN, etc.) so that the purchase history may be inquired.

If the selling company does not have the same information on the goods sold as the purchase history provided by the financial institution server 40 of the financial institution, the selling company may display the sales information of the goods sold to the purchasing company in the form provided by the financial institution server 40. And the request for information modification on the purchase history to the purchasing company (step S34).

As described above, when a commerce is made between a purchasing company, a selling company, and a financial institution, the selling company applies for a loan according to the sale of goods to the financial institution. The loan application method of such a selling company is described below with reference to FIG. 4.

The selling company requests the financial institution for a loan application for the money corresponding to the goods sold as the buying company (step S41). At this time, the selling company accesses the financial institution server 40 of the financial institution through the Internet network 30 (or a public communication network, a dedicated line, a VAN, etc.), and provides a screen provided by the financial institution server 40 (for example, Apply for a loan by filling out the loan application form provided on the Buy and Sell screen. In addition, the selling company may apply for a loan 24 hours a day in real time by accessing the financial institution server 40 through the Internet network 30 (or public communication network, leased line, VAN, etc.).

The financial institution stores the loan application provided by the selling company in a predetermined database (first to Nth databases 43 to 44) of the financial institution server 40, so that the purchasing company is connected to the Internet network 30 (or public communication network, Private line, VAN, etc.) provides the loan application details of the selling company (step S42). In addition, the purchasing company may access the financial institution server 40 through the Internet network 30 (or public communication network, leased line, VAN, etc.) to query the loan application details of the selling company 24 hours a day in real time.

The purchasing company receives the loan application details of the selling company provided from the financial institution server 40 of the financial institution, reviews the loan application, and then accepts the loan (step S43). Loan acceptance is made possible to access the financial institution server 40 via the Internet network 30 (or public communication network, leased lines, VAN, etc.) 24 hours a day in real time. On the other hand, if there is any objection to the loan application of the selling company, the purchasing company refuses to accept the loan and notifies the financial institution. The financial institution provides the seller with details of the refusal to accept the loan from the purchasing company and requests the seller to reapply the loan application if there is no objection.

When the loan acceptance of the purchasing company is made, the loan acceptance amount is automatically transferred to the deposit account of the selling company (step S44). In this case, if there is an amount borrowed as collateral for the receivables from the purchasing company by the automatic withdrawal of payment from the purchasing company's payment account on the payment date included in the purchase history of the goods, the difference is first deposited and the difference is processed. do. In addition, loans can be divided into loans, mid-term loans can be repaid, and funds can be transferred to current or other accounts.

In addition, the financial institution pays the loan or purchase price for the goods price to the selling company, and provides the payment processing details to the purchasing company in real time through the financial institution server 40. Accordingly, the purchaser can access the financial institution server 40 through the internet network 30 (or public communication network, leased line, VAN, etc.) in real time to view the payment processing details for the goods price provided from the financial institution.

As described above, the present invention provides the transfer of the receivables of the selling company to the financial institution (that is, the loan approval application service) and the transfer approval service of the buying company according to the purchase and sale of goods between the buying company and the selling company ( That is, the loan acceptance service) can be processed in real time by the financial institution server of the financial institution through the Internet network.

As described above, according to the present invention, the loan approval application service and the loan acceptance service between the purchasing company and the selling company are processed in real time in the financial server of the financial institution through the internet network, so that the purchasing company can perform the loan acceptance service through the internet network. It can be easily handled, and settlement of the payment amount of the goods can be efficiently made when the loan is approved.

In addition, the selling company processes the loan approval application in real time 24 hours a day from the financial server of the financial institution through the internet network, and the financial institution notifies the purchaser of the receivable transfer of the receivables through the internet network at a given time. Within a short time, all loan approval application and loan acceptance can be done.

In addition, if there is a notice of pressurization on the trade payables (or trade receivables) from the court, it may not comply with the case of the transfer to the financial institution. Since it is stored in the database of the institution server, the purchaser or sales company can access the financial institution server through the Internet at any time and inquire in real time, so that it is possible to efficiently manage the accounts payable and accounts receivable.

Claims (4)

With agreements between financial institutions for the payment of goods between the purchasing company and the selling company, Registering, by the purchasing company, information on a purchase history of goods with a server of the financial institution; Registering, by the selling company, a loan application after looking up the purchase history of the goods registered in the server of the financial institution; Providing a loan acceptance to the server of the financial institution through the communication network after searching and reviewing the loan application history registered in the server of the financial institution; And When the loan is made from the purchasing company, the loan transfer amount and the credit loan secured loan method using the Internet banking, characterized in that it comprises the step of automatically transferring the loan acceptance amount to the deposit account of the selling company. The method of claim 1, The purchase history of the goods includes the electronic payment contract number, the supplier company number, the purchased goods, the purchase date, tax bill details, purchase price payment amount, payment date, other information management and the name for each business site, characterized in that Bond transfer and loan repayment secured by using internet banking. The method of claim 2, The purchase history of the goods is written by each business place of the purchasing company or integrated description for all the business sites, characterized in that the bond transfer and credit receivable loan method using Internet banking. The method of claim 1, In the step of the financial institution automatically transfers to the payment account of the selling company, the financial institution withdraws the payment from the payment account of the purchasing company on the payment date and automatically repays the loan to the selling company, and then the difference is paid. Claims transfer and credit receivable loan method using the Internet banking, characterized in that the automatic transfer to the deposit account of the selling company.