KR20030089684A - Loan system of financial agency and method thereof - Google Patents

Abstract

PURPOSE: A system and a method for lending out money of a financial organization are provided to secure the stability of a transaction by processing a loan business for repaying the credit sales to a supplier and agencies without security and making the supplier guarantee payment to a bank based on the security provided to the supplier the agencies for the credit sales. CONSTITUTION: An account opening part(12) opens the accounts by receiving the information for opening a general account(24) and a loan account(28) of each agency, and a general account(26) of the supplier. An estimated security price receiving part(14) receives the estimated security price information of each agency from a supplier collection system(30). A general account transfer part(16) transfers the price of the general account of each agency to the general account of the supplier by the fund transfer information transferred from agency terminals(40a,40b). A loan account transfer part(18) lends out the money within a limit of the estimated security price of the agency and transfers it to the general account of the supplier based on the loan request information transferred from the agency terminal.

Description

Loan system of financial agency and method

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a financial institution loan system, and more particularly, to a financial institution loan system that secures safety by sharing a collateral of a customer provided with a product provider.

In general, the product supplier is provided with collateral from a distributor who sells the products he manufactures, and can supply the product on credit within the scope of the collateral valuation. At this time, the dealer sells the product supplied by the trauma and collects the money to repay the trauma revenue to the product provider. However, if the dealer fails to collect all the payments for the goods received as trauma by the contractor and the contracted date, they must make up the insufficient amount in the trauma revenue by using the funds secured separately or by borrowing from a financial institution.

In this process, it is very difficult for the agent to find a loan method because the agent must provide a collateral separate from the collateral provided to the product provider in order to receive a loan from the financial institution. In addition, when the agent does not provide the product supplier with the product supply amount by the contracted date, the product supplier has a problem that the fund rotation is not easy.

The present invention was created to solve the above problems, the loan process for repaying the trauma proceeds without a separate collateral to a plurality of distributors associated with the product provider, a plurality of distributors for the traumatic sales to the product provider The present invention relates to a financial institution lending system and a method for ensuring the safety of transactions by guaranteeing payment of a product to a bank based on the collateral provided.

1 is an overall configuration diagram of devices related to an embodiment of a financial institution loan system according to the present invention.

2 is a flowchart illustrating a financial institution loan method according to the present invention.

3 is an overall configuration diagram of devices related to another embodiment of a financial institution loan system according to the present invention.

In order to achieve the above object,

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

In the present invention, the financial institution loan system that provides collateral to the product provider and processes the loan business for repayment of the accounts receivable for a plurality of distributors that are supplied with goods on credit, general account by agency, loan account and agent by agency An account opening unit for receiving information for opening a supplier general account and opening corresponding accounts; A collateral valuation receiver for receiving collateral valuation information of collateral for each agent provided to the product provider from a product provider collection system; A general account transfer unit for transferring the amount of the general account corresponding to the agency to the product provider general account by the money transfer information transmitted from the agency terminal; And a loan account transfer unit that processes loans at the limit of the collateral valuation corresponding to the agency by the loan request information transmitted from the agency terminal and transfers only to the product provider general account.

In addition, in the present invention, a financial institution loan method for providing a collateral to the product provider and processing the loan business for repayment of the accounts receivable for a plurality of agents that receive the product on credit, (a) general account, agency by agency An account opening step of receiving information for opening a general loan account and a product provider general account and opening corresponding accounts; (b) a collateral valuation receiving step of receiving collateral valuation information of the collateral for each agent provided to the product provider from the product provider; (c) a general account transfer step of transferring the amount of the general account corresponding to the agency to the product provider general account by the money transfer information transmitted from the agency terminal; And (d) a loan that is processed in the limit of the collateral valuation corresponding to the agency by the loan request information transmitted from the agent terminal when the total amount of the accounts receivable is not repaid in the step (c), and is transferred to the product provider general account. Account transfer step.

In the present invention, the product supplier is used in a broader concept including not only the manufacturer who manufactured the product but also a distributor that supplies the product, and as a distributor, the product is supplied from a product supplier as well as a distributor who has a distributor contract with the product supplier. It is used as a broader concept that includes all types of traders that are supplied with the company.

Referring to Figure 1, the financial institution loan system 10 according to an embodiment of the present invention provides a network or leased line, such as a product provider collection system 30 and the Internet to handle the collection business of the amount of money sold in a particular product provider It is connected via a device to send and receive information. In addition, the financial institution lending system 10 is a network such as the distribution terminal terminals 40a, 40b for providing collateral to the above-described product provider and requesting the bank to process a loan by a plurality of distributors that are supplied with goods on credit. Or connected via a dedicated line to send and receive information. In addition, the financial institution loan system 10 according to an embodiment of the present invention, the account opening unit 12, the security evaluation amount receiving unit 14, the general account transfer unit 16, loan account transfer unit 18 and deposit and withdrawal information The transmitter 20 is included.

The account opening unit 12 receives information for opening a general account for each dealership, a loan account for each dealership and a product provider general account, a general account database for each dealership 24, a loan account database for each dealership 28 and a product provider Accounts corresponding to the general account database 26 are opened. In this case, withdrawal is allowed freely in the case of a general account by a distributor and a general account of a product provider, but a deposit is freely allowed in a loan account by a distributor, but withdrawal is allowed only in a general account of a product provider.

The collateral valuation receiver 14 receives the collateral valuation information of the collateral for each agent provided to the product provider from the product provider collection system 30 and stores it in the collateral valuation database 22.

Databases such as the general account database (24) for dealerships, the loan account database (28) for distributors, the general account database for product suppliers (26), and the collateral valuation database (22) are hard to add, update, and retrieve related data. It is systematically stored in a recording medium such as a disc, and is used as a concept to encompass the recording medium and data stored in the recording medium. In addition, in one embodiment of the present invention, although each database is assumed to be stored in a separate recording medium, it is also included in the scope of the present invention to be stored in the same recording medium having a separate management system.

The general account transfer unit 16 transfers the amount of the general account corresponding to the distributor to the product provider general account by the money transfer information transmitted from the distributor terminals 40a and 40b. In this case, since the general account transfer does not necessarily mean a transfer to the product provider general account, it is also possible to transfer from the general account of the distributor to another account.

The loan account transfer unit 18 processes the loan at the limit of the collateral valuation corresponding to the agency based on the loan request information transmitted from the agency terminals 40a and 40b and transfers only the product provider to the general account. In this case, since the loan account transfer necessarily means a transfer to the product provider general account, transfer or withdrawal from the loan account of the distributor to another account is not allowed.

The deposit and withdrawal information transmitting unit 20 transmits withdrawal and withdrawal information to the product provider collection system 30 in real time whenever a deposit and withdrawal occurs in a loan account for each agency.

The product supplier collection system 30 stores and manages the collateral valuation for evaluating the collateral provided by each agency in the collateral valuation database 32 for each reseller. Is transmitted to the financial institution loan system 10. In addition, the product provider collection system 30 is a bond information including the loan balance included in the trauma sales and the deposit and withdrawal information received from the financial institution loan system 10, the product provider the total amount of the goods supplied to each dealer on credit Manage by storing in the bond information database 34 for each agent. Thus, when a product supplier supplies goods to a dealer on credit, he or she may generate additional credit sales at the limit of the dealer's collateral valuation minus the sum of the current credit sales and the loan balance.

The agency terminals 40a and 40b may be connected to the financial institution loan system 10 to inquire account information related to each agency, and transfer money transfer information or loan request information of each agency to the financial institution loan system 10. Send and process in real time. The agency terminals 40a and 40b are personal computers connected to the financial institution loan system 10 through a dedicated line, or personal information terminals wirelessly connected to the financial institution loan system 10 and a mobile communication service provider system connected through a leased line. It may be a mobile terminal such as (Persoanl Digital Assistant: PDA).

Hereinafter, an operation process of an embodiment of the present invention according to FIG. 1 will be described in detail with reference to FIG. 2.

First, the agent must provide collateral to the product supplier in order to open a foreign transaction with the product supplier. At this time, the collateral provided by the present invention means not only realistic collateral such as real estate, securities and cash, guarantee insurance, but also a broad concept of collateral including a credit provided by a product provider to an agent. The product supplier evaluates the mortgage or credit provided for each agent and stores and manages it in the mortgage evaluation database 32 of the product provider collection system 30. Thereafter, the agent opens a general account of the agent that is freely allowed to withdraw and withdraw to the financial institution related to the product provider, and opens a loan account of the agent that allows withdrawal only to transfer to the general account of the product provider (step 200). . At this time, the product supplier guarantees payment for loans provided by financial institutions to each agent based on the collateral provided by each agent.

Thereafter, the financial institution loan system 10 receives the collateral evaluation information of the distributor who newly opened the transaction with the product provider or the agent who changed the collateral from the product provider collection system 30 (step 210).

The distributor sells the product supplied from the product supplier, collects the money, and deposits the money into the general account of the agency opened in the financial institution (step 220).

The agent will reimburse the trauma proceeds to the product provider by the due date for repayment of the trauma proceeds. To this end, the agency uses the terminal terminals 40a and 40b to inquire their account balances opened in the financial institution, and if there is a balance in the general account, transfer the funds to the general account of the product provider. The information is generated and sent to the financial loan system 10. The general account transfer unit 16 of the financial loan system receives the money transfer information, withdraws the amount from the general account of the distributor, and transfers the money to the general account of the product provider to repay the credit sales (step 230).

In this case, if there is more balance in the general account of the dealer than the credit revenue to be repaid, the repayment of the credit is completed, but otherwise, the agency receives a loan from the financial institution and repays the insufficient amount (step 240). . In other words, if the accounts receivable is not fully repaid, the agent uses the agency terminals 40a and 40b to search the account balance of the account opened at the financial institution, generates loans for the repaid accounts repaid, and repays the loans generated. The loan transfer information for transferring to the general account of the product provider is generated and transmitted to the financial institution loan system 10 (step 250). The loan account transfer unit 16 of the financial institution loan system 10 receives the loan transfer information, processes the loan at the limit of the mortgage evaluation amount of the agency, and transfers only the general account of the product provider, thereby repaying the remaining credit revenue (260). step). At this time, the deposit and withdrawal information transmission unit 20 of the financial institution loan system 10 transmits the loan balance in the loan account of the agency to the product provider collection system 30 in real time, so that the product provider causes additional trauma sales to the agency. See when.

When the agent secures the extra funds or recovers the payment for the products supplied from the product supplier, the agent may repay the loan to the financial institution by depositing the amount in the loan account (step 270). In this case, the deposit and withdrawal information transmitting unit 20 of the financial institution loan system 10 transmits the loan balance in the loan account of the agency to the product provider collection system 30 in real time, so that the product provider sends additional trauma sales to the agency. Refer to it when triggering. If the agent fails to repay the loan from the financial institution, the financial institution burdens the product provider, who can repay the loan to the financial institution by disposing of the collateral provided by the agent. .

On the other hand, if the collateral provided to the product provider is by credit granted to the agent, the product provider is responsible for granting credit to the agent's loans if the agent fails to repay the loans of the financial institution, and the agent's loans to the financial institution. You must pay it instead. Also, if the collateral provided to the product provider excludes cash collateral, the amount transferred by the bank loan to the product provider's general account is not immediately offset to the product vendor's credit receivables, and the agent repays the loan from the financial institution. Until then, it is managed in the form of a deposit at the product supplier without resolving the product's credit receivables. Therefore, until the agent repays the loans of the financial institution, collaterals other than cash collateral based on the accounts receivables are effective. You can repay your loan. Thereafter, when the agent repays the loan of the financial institution, the deposit of the product provider for the amount repaid is offset against the credit receivable.

Referring to FIG. 3, the financial institution loan system 50 according to another embodiment of the present invention may provide a network or leased line such as a product provider collection system 70 and the Internet, which process a collection business of the amount of money sold in a certain product provider. It is connected via a device to send and receive information. In addition, the financial institution loan system 50 is a network such as the distribution terminal terminals (80a, 80b) and the Internet for providing a collateral to the product provider and a plurality of distributors that receive the goods on credit to request the bank to process the loan Or connected via a dedicated line to send and receive information. In addition, the financial institution loan system 50 according to another embodiment of the present invention is an account opening unit 52, collateral evaluation amount receiving unit 54, general transfer unit 56, loan transfer unit 58 and deposit and withdrawal information transmission unit ( 60).

The account establishment unit 52 receives information for opening an agent-specific account and a product provider account, and opens accounts corresponding to the agent-specific account database 66 and the product provider account database 64, respectively. In FIG. 1, it is assumed that a general account for each agent and a loan account for each agent are different accounts, but in FIG. 3, it is assumed that both the general deposit and withdrawal service and the loan service can be handled by the same account. However, the general deposit and withdrawal service and the loan service are managed separately in the agency account. In other words, the deposit from the agency account is allowed freely, but withdrawal by the loan business, the withdrawal by the loan is only allowed to transfer to the product provider general account.

The collateral valuation receiver 54 receives the collateral valuation information of the collateral for each agent provided to the product provider from the product supplier collection system 70 and stores it in the collateral valuation database 62.

Databases such as the account database 66, the product provider account database 64, and the collateral evaluation database 62 for each agency are systematically stored in a recording medium such as a hard disk so that related data can be easily added, updated, or viewed. It is used as a concept to encompass the recording medium and the data stored on the recording medium. In addition, in one embodiment of the present invention, although each database is assumed to be stored in a separate recording medium, it is also included in the scope of the present invention to be stored in the same recording medium having a separate management system.

The general transfer unit 56 transfers the amount of the account corresponding to the agency to the product provider account by the money transfer information transmitted from the agency terminals 80a and 80b. In this case, the general transfer does not necessarily mean a transfer to the product provider account, but also a transfer from an agent account to another account.

The loan transfer unit 58 processes the loan at the limit of the mortgage evaluation amount corresponding to the agent by the loan request information transmitted from the agent terminals 80a and 80b and transfers it only to the product provider account. In this case, since the loan transfer necessarily refers to the transfer to the product provider account, it is not allowed to transfer or withdraw the loan amount to the other account of the agency account.

The deposit and withdrawal information transmitter 60 transmits the deposit and withdrawal information to the product provider collection system 70 in real time whenever a deposit and withdrawal occurs in an account for each agency.

The functions performed by the product provider collection system 70 of FIG. 3 are basically the same as the functions performed by the product provider collection system 30 of FIG. 1. In addition, the distributor terminals 80a and 80b of FIG. 3 perform basically the same functions as the distributor terminals 40a and 40b of FIG. 1.

The operation process of another embodiment of the present invention according to FIG. 3 is basically the same as the operation process of the embodiment of the present invention according to FIG. 1 except for the difference of integrating and managing a general account for each agent and a loan account for each agent into an account for each agent. Do. Therefore, further repetitive description is omitted here.

Meanwhile, the above-described embodiments of the present invention can be written as a program that can be executed on a computer. And, it can be implemented in a general-purpose digital computer for operating the program using a medium used in the computer. The media may be stored such as magnetic storage media (e.g., ROM, floppy disk, hard disk, etc.), optical reading media (e.g., CD-ROM, DVD, etc.) and carrier waves (e.g., transmission over the Internet). Media.

So far I looked at the center of the preferred embodiment for the present invention. Those skilled in the art will appreciate that the present invention can be implemented in a modified form without departing from the essential features of the present invention. Therefore, the disclosed embodiments should be considered in descriptive sense only and not for purposes of limitation. The scope of the present invention is shown in the claims rather than the foregoing description, and all differences within the scope will be construed as being included in the present invention.

According to the present invention, a plurality of agents associated with a product supplier may be provided with loans for repaying the traumatic revenues without any collateral. In addition, the product supplier can receive full repayment of accounts receivables from a number of agents on a specified date, facilitating fund management. In addition, the financial institution can secure a plurality of dealers associated with the product provider as a customer, and can secure the safety of transactions by receiving payment guarantees from the product supplier based on the collateral of the agent held by the product provider.

Claims (1)

A financial institution lending system for providing collateral to product suppliers and processing loans for repayment of accounts receivable for a number of agencies that receive goods on credit.