KR20040047646A - System for Managing Order and Transaction Information Between Companies and Method for Making a Prospective Credit of Sale and Managing Electronic Settlement Thereof - Google Patents

Abstract

PURPOSE: A system for managing the order/transaction information between enterprises, and a method of managing a future sales credit and the electronic settlement using the same are provided to generate/mortgage the sales credit occurring in future by collecting/using the order/transaction information between enterprises, and support the management of the electronic settlement between enterprises. CONSTITUTION: An order information collector(410) collects/verifies/classifies/stores an order/transaction confirmation request document and/or an order/transaction confirmation through the communication network, and generates the support information used for setting the credit providing limit. A credit providing supporter(420) sets/stores the credit providing limit for a cooperated company by receiving the support information from the order information collector. A purchase price settlement supporter(430) supports the settlement of the purchase price. A sales price collection supporter(440) supports the settlement of the sales price within the credit providing limit.

Description

System for Managing Order and Transaction Information Between Companies and Method for Making a Prospective Credit of Sale and Managing Electronic Settlement Thereof}

The present invention relates to an inter-company order and transaction information management system and an electronic payment management method using the same. More specifically, the real-time collection and utilization of order / transaction information generated between companies can be used to create and secure future receivables in the future, and to extend payments to buyers, partners, and vendors. The present invention relates to an inter-company order and transaction information management system and an electronic payment management method using the same.

In recent years, as the economic development speeds up, the number of orders and transactions between companies has also increased remarkably, and in accordance with the increasing trend of transactions between companies, problems related to payment relations between companies are more complicated and diverse. There is an aspect.

When such a business relationship is established, a seller who sells goods, services, and the like typically proceeds with a series of billing processes for the buyer. When the billing occurs, the purchaser prefers to use foreign currency transactions and bills as an important means of payment rather than cash. This is because, when a purchaser uses a foreign currency transaction or a bill as a payment method, it is easy to obtain the advantage of maintaining the buyer's overall money rotation more flexibly than the cash settlement.

However, since the payment process using such a credit transaction or bills is very complicated, both buyers and sellers have to accept the inconvenience that the entire payment process is unnecessary. In particular, since the paper is usually distributed off-line, it always carries the risk of theft and loss, and buyers and sellers who use the paper have to take the utmost care. do. In addition, when the payment process occurs in the same situation as one seller and multiple buyers, the above-mentioned problem of bill settlement is more serious.

Due to the deterioration of bill settlement, more and more cases of purchasers reduce or abolish bill issuance, which makes it impossible to settle the purchase price through bill endorsement, and between the time of payment of raw / subsidiary material supply and the collection period Due to the structural time difference, inter-company payment method or system that can replace the existing bill system has been introduced and implemented.

The payment methods and systems currently in use in intercompany settlement include credit receivable loan system, corporate purchase fund loan system, and corporate purchase exclusive card system. First of all, the credit loan system is a so-called 'electronic bill' system, which is borrowed from a financial institution as collateral for a credit firm's credit loans in a manner similar to a discount. This system has a problem of extremely low use performance except for purchasers such as large corporations with good credit since the supplier (supplier) pays the fee.

Secondly, the corporate purchasing fund loan system is a system in which a purchasing company obtains a loan from a financial institution instead of issuing notes and pays cash to a supplier. The scheme pays commissions to purchasers, but their usage is low, at around 40% due to lack of loan limits, lack of collateral, increased financial costs, lack of computing and complex procedures.

Lastly, the corporate purchase-only card system is a system in which the purchasing company pays the delivery price with a credit card and the supplier is paid. However, this system, like the electronic bill system, does not reach 30% due to the disadvantage that the supplier has to pay a fee.

To sum up, conventional systems as well as bills as a means of payment for purchases, various schemes to replace the bill system has a disadvantage in that the use performance is low for a variety of reasons, such as the company's lack of credit, lack of loan limit, lack of collateral.

In order to solve the above problems, the present invention collects and utilizes order / transaction information generated between companies in real time to substantially generate and secure sales bonds to be generated in the future, and to purchasers, suppliers and vendors. The purpose of the present invention is to propose an inter-company order and transaction information management system and an electronic payment management method using the same to support the expanded management of inter-company electronic payment.

1 is an exemplary view conceptually showing the process of payment between companies according to an embodiment of the present invention,

2 is a block diagram schematically showing an inter-company payment system using a corporate card issued to a partner in accordance with an embodiment of the present invention;

3 is an exemplary diagram for explaining a process of issuing a corporate card according to an embodiment of the present invention;

4 is a block diagram briefly showing an internal configuration of an inter-company payment server according to an embodiment of the present invention;

5 is a table showing information and use recorded in the integrated report generated by the comprehensive evaluation module according to an embodiment of the present invention;

6 is an exemplary diagram showing the possible risk factors for valuation of future sales bonds according to an embodiment of the present invention for each period;

7 is a block diagram schematically illustrating an integrated information management account system that may be built in an inter-company payment server according to an embodiment of the present invention;

8 is a flowchart illustrating a process of settlement between companies using future sales bonds according to an embodiment of the present invention.

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

110: Buyer 120: Partner

130: supplier 140: financial institution

200: inter-company billing server 410: order information collection unit

411: order information transmission and reception module 413: order information verification module

414: order information classification module 416: support information generation module

418, 429: support information transmission and reception module 420: credit support support

421: Transaction Analysis Module 423: Limit Setting Module

425: credit monitoring module 427: comprehensive evaluation module

430: purchase price payment support unit 440: sales payout support unit

700: integrated information management account system 710: repository

720: registry

To this end, the present invention is an inter-company order and transaction information management system that collects, verifies, analyzes and evaluates order and transaction information generated in economic activities between companies to establish future sales bonds and supports electronic payment. A purchaser computer provided to a purchaser that orders goods or services through a communication network, generates and sends an electronic order / transaction confirmation, and pays a purchase price corresponding to the order details; After entering into an order contract with the purchaser, generating and sending an electronic order / transaction confirmation request, applying for and issuing an electronic form of the corporate card, paying the sales price with the corporate card, and paying the purchase price A partner computer with the subcontractor; A supplier computer provided to a supplier that has entered into a supply contract with the supplier, processes a payment request for the sale price using the corporate card from the supplier computer, and receives the sale price; Receive and store the order / transaction confirmation, verify and classify the order / transaction confirmation, issue the corporate card as collateral for the future sales receivable from the order contract, and credit the supplier An inter-company payment server for setting a limit, receiving an authorization request of the corporate card, and supporting payment of the purchase price and recovery of the sale price; Receiving the order information and the authorization request generated by the order / transaction confirmation from the inter-company payment server to set a loan limit, approves the corporate card, and pays the sales price to the supplier computer, An inter-company order and transaction information management system comprising a financial institution computer installed in a financial institution receiving the purchase price from the purchasing company computer, and the future sales bond formation and electronic payment management system using the same.

According to another object of the present invention, a method of managing order and transaction information between companies that collects, verifies, analyzes and evaluates order and transaction information generated in economic activities between companies to establish future sales bonds and supports electronic payment. (A) a purchaser enters into an order contract with a supplier, and the purchaser computer generates an electronic form of an order / transaction confirmation in accordance with the order agreement and transmits the order to the inter-company payment server; (b) verifying the order / transaction confirmation received by the inter-company payment server and transmitting an approval signal to the purchasing company computer; (c) the inter-company payment server sorting and storing the verified order / transaction confirmation, and transmitting the order / transaction confirmation to a financial institution computer; (d) the supplier signing a delivery contract with the supplier and requesting payment of the sales price to the supplier computer using the issued corporate card; (e) the inter-company payment server receiving the approval request signal of the corporate card from the supplier computer and transmitting the approval request signal to the financial institution computer; (f) the inter-company payment server receiving the approval signal of the corporate card from the financial institution computer and transmitting the received signal to the supplier computer to perform the payment of the sales price; And (g) the financial institution computer deposits the sales price to the supplier computer, receives the purchase price from the purchasing company computer, and deposits the purchase price settled to the supplier through the inter-company payment server. It provides an inter-company order and transaction information management system comprising a step of forming, and the future sales bond formation and electronic payment management method using the same.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. First of all, in adding reference numerals to the components of each drawing, it should be noted that the same reference numerals are used as much as possible even if displayed on different drawings. In addition, in describing the present invention, when it is determined that the detailed description of the related well-known configuration or function may obscure the gist of the present invention, the detailed description thereof will be omitted.

1 is an exemplary view conceptually showing the process of payment between companies according to an embodiment of the present invention.

Payment between companies according to a preferred embodiment of the present invention is made through a financial institution 140, including a purchasing company 110, a cooperative company 120, a supplier 130 and a bank.

Referring to the process of payment between companies according to an embodiment of the present invention, when the purchaser 110 requests the purchaser 120 to purchase a specific item or service, such as a contract (①), the supplier 120 orders the supply of goods related to the order details ordered by the purchasing company 110 to a specific supplier 130 and enters into a contract (②). The supplier 130 produces the goods within the delivery date and delivers them to the partner company 120 (③), and receives the purchase price from the financial institution 140 (④).

In this process, the financial institution 140 secures future receivables (hereinafter, referred to as 'sold futures') under the contract signed by the subcontractor 120 with the purchaser, and sets a predetermined credit limit. The purchase price within the payment to the supplier 130 in advance. Here, granting of credit refers to a comprehensive range of direct and indirect transactions in financial institutions that involve lending, guarantees of guarantees and purchases of securities (funds only), and other credit risks in financial transactions. The debt of meaning. The scope of credit provided by the Financial Supervisory Commission may include loans, guarantees of payment, payment of land payments under guarantees of payment, purchase of papers and bonds, and other transactions that could cause losses to financial institutions in the event of insolvency of the other party. to be.

On the other hand, under bond law, future sales bonds cannot be established as current accounts receivable because they do not fully meet the requirements for establishing bonds, but they are a kind of "beneficiary right" that is expected to meet the requirements in the near future.

In order to be recognized for the transfer of such future sales bonds, as required in the case (Judgment of Supreme Court 1997.7.25 sentence 95da21624), the basic bond relationship at the time of transfer was established to a certain degree, so that the rights can be specified (specific possibility). However, it should be expected to a considerable extent that it will occur in the near future (probable). Therefore, the inter-company billing management system according to the present invention to be described later reliably supports or guarantees this specific possibility and possibility.

In addition, the credit limit created for the cooperative company 120 according to an embodiment of the present invention refers to a fluid value that changes from time to time according to the collateral value of future sales bonds according to the purchase order of the purchasing company 110. . Therefore, the credit limit of the supplier 120 that does not receive the purchase order from the purchasing company 110 becomes zero.

Meanwhile, the cooperative company 120 delivers the goods received from the supplier 130 to the purchasing company 110 (⑤), and the purchasing company 110 pays the purchase price to the financial institution 140 (⑥). . The financial institution 140 having received the purchase price from the purchasing company 110 performs a settlement operation by paying a predetermined purchase price to the cooperative company 120.

2 is a block diagram schematically showing an inter-company payment system using an enterprise card issued to a cooperative company 120 according to an embodiment of the present invention.

The inter-company billing system according to an embodiment of the present invention includes a purchasing company 110, a cooperative company 120, a supplier 130, a financial institution 140 and the inter-company billing server 200. Here, each of the configuration objects (110 to 140 and 200) constituting the inter-company billing system according to an embodiment of the present invention is connected to the communication network, the communication device such as a computer installed in each of the configuration objects between the enterprises Each program is installed to implement the payment system.

Meanwhile, the corporate card is a new concept purchase card in which a credit limit is determined according to the purchase order amount of the purchasing company 110 in an order / transaction between companies, such as a magnetic card or an integrated circuit (IC) card. In addition to tangible cards, these cards include all electronic forms of cards that can be used online. Issuing process and payment method of the corporate card according to an embodiment of the present invention will be described in more detail in FIG.

When explaining the payment process using the corporate card in the inter-company billing system employing the inter-company billing server 200 according to an embodiment of the present invention, the contractor entered into a supply contract with the purchaser 110 120 requests an order confirmation to the purchasing company 110 in accordance with a predetermined form by using a predetermined module (program, etc.) installed in a computer of the company (①). The purchaser 110 receiving the order confirmation request from the cooperative company 120 transmits the electronic form order information such as the order confirmation to the inter-company payment server 200 (②). The inter-company payment server 200 receiving the order information from the purchasing company 110 transmits the order information to the financial institution 140 (③), the financial institution 140 from the inter-company payment server 200 Using the order information provided to set the credit limit (= loan limit) for the partner (120) (④).

On the other hand, the cooperative company 120 pays the purchase price to the supplier 130 using the corporate card holding (⑤). Here, the corporate card is an electronic card in which the credit limit information of the subcontractor 120 generated according to a contract such as supply of goods that the subcontractor 120 has concluded with the purchaser 110 is recorded. In addition, the corporate card is used in combination with a predetermined security module to ensure the integrity of payments online. For example, a security module or cryptographic module that can be used for a corporate card includes a secret key type of Data Encryption Standard (DES), RC5, International Data Encryption Algorithm (IDEA), SEED, and a public key type of RSA (Rivest, Shamir, Adleman). ), Modules such as ECC (Elliptic Curve Cryptosystem) and SSL (Secure Socket Layer) that use a secret key method and a public key method.

On the other hand, the encryption technology of the online payment using a secret key method, public key method, SSL method, etc. are well known to those skilled in the art, and do not correspond to the core technical idea of the present invention, a detailed description thereof will be omitted.

The supplier 130 transmits the received corporate card information to the inter-company payment server 200 to request card approval (⑥), and the inter-company payment server 200 transmits the received corporate card information to a financial institution ( 140) and requests the approval of the corporate card (⑦). The financial institution 140 that receives the corporate card information from the inter-company payment server 200 transmits the card approval information to the inter-company payment server 200 (⑧), and the inter-company payment server 200 receives the information. One card authorization information is sent to the supplier 130 (⑨).

Meanwhile, the financial institution 140 that has approved the corporate card pays the sales price to the supplier 130 through electronic payment (iii), and receives the purchase price from the purchasing company 110 (iii). Finally, the financial institution 140 that received the purchase price from the purchasing company 110 pays the purchase price to the cooperative company 120 through the inter-company payment server 200. Here, the purchase price paid to the cooperative company 120 is an amount subtracted from the price that the cooperative company 120 is provided to the purchasing company 100 to the supplier 130.

3 is an exemplary view for explaining a process of issuing a corporate card according to an embodiment of the present invention.

Referring to the process of issuing a corporate card according to an embodiment of the present invention, if the purchasing company 110 provides information related to the concept and issuance of the corporate card to the cooperative companies 120 (①), the cooperative company 120 ) Transmits predetermined information for issuing a corporate card to the inter-company payment server 200 and requests for issuing a corporate card (②). The inter-company payment server 200, which received the application for the issuance of the corporate card, examines and evaluates the credit of the partner company 120 using a predetermined module, calculates the credit grant limit according to the purchase price (③), and It is provided to the financial institution 140 as the evaluation information (④).

The financial institution 140 determines whether to issue a corporate card using the evaluation information received from the inter-company billing server 200, sets a credit loan limit (⑤), and if it is determined that the corporate card can be issued. The approval information of the corporate card issuance is transmitted to the inter-company payment server 200 (⑥). The inter-company billing server 200 receiving the corporate card issuance authorization information stores the evaluation information of the subcontractor 120 stored therein, information regarding the issuance of the corporate card, and information related to the change of the billing account to the purchasing company 110. Transmit (⑦).

In addition, the inter-company billing server 200 issues a corporate card to the partner company 120 online (⑧). Here, issuance of a corporate card also includes a task of installing a predetermined program that can settle a payment using a corporate card in a communication device such as a computer of a cooperative company 120 to construct a system.

On the other hand, the corporate card issued by the inter-company billing server 200 to the partner company 120 includes the corporate identification information is encrypted. Here, the corporate identification information includes a business number, corporation number, unique authentication number, issue date and issuer information of the corporate card of the company. In addition, the corporate card issued to the cooperative company 120 has a limit set by processing the order information or the order information per case can perform a function as a payment method.

On the other hand, the method of payment between companies using the corporate card according to an embodiment of the present invention may be classified into a purchase theory (Loan) method and a purchase card method. First, the purchase theory method, the financial institution 140 pays cash immediately to the supplier 130 upon the purchase request of the supplier 130 for the payment made with the corporate card, and the supplier 120 in the future settlement process It is a method of paying a fee (interest expense).

Next, the purchase card method is the same as using the current purchase card, and the cooperative company 120 pays the purchase price with the corporate card, and if the supplier 130 bears the fee to the financial institution 140, the financial institution ( 140 is a method of paying the purchase price to the supplier 130 after deducting the fee.

4 is a block diagram schematically showing the internal configuration of the inter-company billing server 200 according to an embodiment of the present invention.

The inter-company billing server 200 according to an embodiment of the present invention largely includes an order information collecting unit 410, a credit support support unit 420, a purchase price payment support unit 430, and a payout recovery unit 440. .

The order information collection unit 410 may include an order information transmission / reception module 411, an order information verification module 413, an order information classification module 414, a support report generation module 416, a support report transmission / reception module 1 418, and a plurality of them. Databases 412, 415 and 417.

The order information transmission / reception module 411 receives the 'order / transaction confirmation request' and the 'order / transaction confirmation' transmitted from the purchasing company 110 and the partner company 120 through the communication network in the form of documents or general data, respectively. . In this case, the 'order / transaction confirmation' and 'order / transaction confirmation request' transmitted to the inter-company billing server 200 may be in the form of an Extensible Markup Language (XML) document or general data.

To this end, the purchaser 110 has an order / transaction confirmation generation system and an order / transaction confirmation transmission system built in, and the supplier 120 establishes an order / transaction confirmation request generation system and an order / transaction confirmation request transmission system. It is. In addition, the 'Order / Transaction Confirmation' includes an electronic signature such as a public certificate or a private certificate encrypted using the above-mentioned encryption technology to prevent denial of order / transaction facts and to ensure data integrity. It is.

'Order / transaction confirmation' according to an embodiment of the present invention, the contract identification information including the company identification information, contract identification number, document number, contract date, delivery date, payment amount and contract confirmation information including the issuer of the confirmation and the subject of the confirmation Contract details, including contract item (service) information, contract amendment information, payment terms and other specific information. In addition, the 'order / transaction confirmation request' includes the same information items as 'order / transaction confirmation', except that the company identification information includes the request issuer instead of the confirmation issuer and the request target information instead of the confirmation target information. The order information ('order / transaction confirmation') received by the order information transceiving module 411 is stored in the database 1 (DB 1) 412.

Meanwhile, the order information transmitting / receiving module 411 may collect various order / transaction information after a purchase contract is established between the purchasing company 110 and the cooperative company 120. First, a method of directly transmitting the 'order / transaction confirmation' generated by the purchasing company 110 to the order information transmission and reception module 411 of the inter-company payment server 200. This method omits the generation of the 'order / transaction confirmation request' by the partner company 120 and the transmission to the purchasing company (110).

Second, the supplier 120 generates an 'order / transaction confirmation request' and transmits it to the order information transmission / reception module 411, and the purchaser (transfer order / transaction confirmation request) received by the order information transmission / reception module 411 110). The purchaser 110 receiving the 'order / transaction confirmation request' is a method of generating an 'order / transaction confirmation' and transmitting it to the order information transmission / reception module 411.

Third, the supplier 120 generates an 'order / transaction confirmation request' and sends it directly to the purchasing company 110, and the purchaser 110 receiving the 'order / transaction confirmation request' sends the 'order / transaction confirmation' To generate and transmit to the order information transmission and reception module 411.

Fourth, the purchaser 110 and the partner company 120 access the order information transmission / reception module 411 to generate an 'order / transaction confirmation request' and an 'order / transaction confirmation' to transmit the order information to the order information transmission / reception module ( 411). To this end, the order information transmission and reception module 411 receives a request for generation of an 'order / transaction confirmation request' and an 'order / transaction confirmation' online, and operates a website for performing a function of generating and managing each request. You can do it.

Fifth, when the supplier 120 requests an order confirmation from the purchaser 110 through a magnetic card or an integrated circuit (IC) card, the purchaser 110 sends the order through a card reader device and a communication network. A method of receiving and processing a confirmation request to generate an 'order / transaction confirmation' to transmit to the order information transmission and reception module 411.

The order information verification module 413 receives order information included in the order / transaction confirmation received by the order information transmission / reception module 411 from the order information transmission / reception module 411 to verify nonrepudiation, integrity, validity, suitability, and the like. If the verification is successful, the response data of the approved or unapproved is transmitted to the purchasing company 110 or the cooperative company 120 through the order information transmitting / receiving module 411.

Here, the verification of non repudiation, integrity and validity is transmitted by using the digital certification method, which is designated by the government under the Digital Signature Act, and the authentication data provided by an accredited certification body that provides certification services, or the private authentication technology provided by a financial institution. Or repudiation of receipt, confirmation of corruption of information, verification of valid information, and verification of the sender's identity.

In addition, the verification of conformity is an operation of confirming the suitability of the order information including identification information, transaction information, detailed order information, delivery information, payment information, and the like, and the detailed description thereof is detailed in the order information classification module 414. I will explain with you.

The order information classification module 414 receives the order information verified by the order information verification module 413 and classifies criteria such as company identification information, contract identification information, and contract detail information, which are information items included in the verified order information. According to the classification, the order information is processed and stored in the database 2 (DB 2) (415). Here, the company identification information is identification information of the purchasing company 110 or the cooperative company 120, and the contract identification information is identification information about the goods or service supply contract concluded by the purchasing company 110 and the cooperative company 120. to be.

Meanwhile, the order information verified by the order information verification module 413, classified by the order information classification module 414, and stored in the database 2 415 includes the contents as shown in Table 1 below.

Identifying information Historical transaction information Detail order information Delivery information Billing Information Business info Past example information Order information Normal delivery information Normal payment information Product information Past order information Order change information Delivery Delay Information Payment deferral information Past delivery information Order cancellation information Partial Delivery Information Payment cancellation information Past billing information Contract default information Past flaw information

Accordingly, when the order information verification module 413 verifies the suitability of the order information, the supplier information (item information, past transaction information, etc.) for the corresponding supplier 120 stored in the database 2 (415) is used. The order value and order size for each 120) are calculated according to time, goods, and the like. Next, an order pattern and an order size according to the current order information received from the order information transmission / reception module 411 are calculated and compared with the statistical value, and it is determined that the order information is not suitable when the threshold value is exceeded or falls short of a predetermined range. When the order information verification module 413 determines that the current order information is inadequate order information, it measures the outliers of the order information, outputs the nonconformity facts and / or outliers of the order information to a monitor screen, and generates an electronic future sales bond. To hold the function.

The assistance information generation module 416 receives the classified and processed order information from the order information classification module 414 and performs a function of supporting the crediting and limit setting operation in the credit assistance support unit 420. The support information generation module 416 generates support information by converting the processed order information received from the order information classification module 414 into a preset data format, and converts the generated support information information into the support information transmission / reception module 1. 418 and store in Database 3 (417).

Here, the support information is largely classified into credit information and transaction information as information for supporting credit granting and limit setting. The credit information is information about the supplier's own credit risk, the buyer's default risk and the supplier's chain default risk among the values used in Equation 1 for measuring the risk of future sales bonds to be described later.

Here, the supplier's own credit risk and the purchaser's default risk are information that is evaluated based on the financial and non-financial matters of the company, and can be analyzed and calculated by receiving relevant data from the credit rating agency or using publicly available credit rating techniques. Can be. In addition, supplier chain default risk is a measure of the impact of a company's insolvency on individual companies by using information such as the share of the weight, creditworthiness, and financial activities of a number of traders.

On the other hand, the support information generation module 416 statistically calculates credit information, such as by industry, time, item, region, etc., as well as credit information for individual companies in order to generate support information more suitable for credit grant and limit setting. It also performs the function.

Transaction information of the support information is information on the contract default risk of the contractor 120 excluding credit risk, such as defect occurrence rate, delivery delay rate among the values used in Equation 1 for measuring the risk of future sales bonds to be described later. Like the credit information, the support information generation module 416 statistically calculates transaction information such as industry type, time period, goods, and region as well as transaction information for individual companies.

The assistance information transmission / reception module 1 418 receives the assistance information from the assistance information generation module 416 and transmits the assistance information to the assistance information transmission / reception module 2 429 of the credit support unit 420.

Through the operation of receiving and verifying the order information by the order information collecting unit 410 described above, the future sales bond has a legal and practical effect. However, even future legal bonds that have legal and practical effects will have to be accompanied by appropriate valuations in order to flow at reasonable prices in the trading market. The valuation of such future sales bonds is performed by the credit support support unit 420 of the inter-company payment server 410.

The credit support unit 420 may include a transaction analysis module 421, a limit setting module 423, a credit monitoring module 425, a comprehensive evaluation module 427, and a plurality of databases 422, 424, 426, 428. And support report transceiving module 2 429 and the like.

The transaction analysis module 421 analyzes a transaction type, its own creditworthiness, etc. between the past partner 120 and another purchasing company using information stored in the database 4 (DB 4) 422. That is, the transaction analysis module 421 evaluates and analyzes transaction analysis information such as a defect rate, a delay rate, a credit risk of the supplier 120 itself, and a bankruptcy risk of the purchasing company 110 for setting a limit for the supplier 120. The calculated transaction analysis information is updated and stored in the database 4 (DB 4) 422. Here, since the technology for calculating the credit risk inherent in the subcontractor 210 or the default risk of the purchasing company 110 is well known to those skilled in the art, detailed description thereof will be omitted.

The limit setting module 423 analyzes the limit generated per future sales bond in consideration of the results analyzed and evaluated through the transaction analysis module 421 and the credit monitoring module 425 which will be described later, the limit setting policy, and the unique environmental variables. It is set and stored in the database 5 (DB 5) 424.

In more detail, in order for the future sales bonds generated according to the embodiment of the present invention to be quickly distributed at an appropriate price in the market, an appropriate valuation operation of the future sales bonds is required. Accordingly, the limit setting module 423 evaluates or sets the value or price of the future sales bond based on the credit of the purchaser 110 and the credit created in the delivery relationship of the supplier 120. In general, the value of a bond can be simply expressed as 'amount / (1-interest rate)'. Here, the value or price of the future sales bond is 'amount / (1- future sales risk)' which adopts the risk value of the future sales bond calculated by Equation 1 to be described later instead of the denominator interest rate value.

The value of these future sales bonds is different from general bonds where the price of bonds is formed according to market demand, and the goods traded by the purchasing company 110 and the supplier 120, the size of the transaction, and the transactions traded by the supplier 120. It has a characteristic that changes in real time according to the default risk rate according to the relationship with the company.

In addition, the limit setting module 423 does not handle one contract or order on a case-by-case basis in accordance with a contract relationship between the purchasing company 110, the cooperative company 120, and the financial institution 140, and for six months, one year, and the like. You can also set a limit on a per-period basis by treating it as a contract or order for the same period.

The credit monitoring module 425 may be used in the method described in FIG. 6 to describe the default default risk of the contractor 120 and the plurality of contractors 120 processing payments through future sales bonds. Is a new concept of credit valuation by valuation and calculation. Credit rating information calculated by credit monitoring module 425 is stored in database 6 (DB 6) 426.

The result information evaluated and calculated by the transaction analysis module 421, the limit setting module 423, and the credit monitoring module 425 described above is transferred to the comprehensive evaluation module 427, and the comprehensive evaluation module 427 receives various kinds of received information. An integrated report may be generated using the result information and stored in the database 7 (428) 428, and the generated report, data, and the like may be transmitted to and received from another company's payment system. Meanwhile, the integrated report generated by the comprehensive evaluation module 427 according to the embodiment of the present invention will be described in detail with reference to FIG. 5.

Here, database 7 428 functions as a kind of repository. In general, a repository refers to a repository in which information related to development of various information or application systems that need to be shared between information systems in a database-related field is stored. Of course, a repository other than database 7 428 could be built.

In the meantime, in the payment using the corporate card according to an embodiment of the present invention, the repository performs a function of actively managing a payment account according to the change of a purchasing company, a financial institution, a creditor institution, etc. for a partner company. This will be described in more detail with reference to FIG. 7.

Each of the databases 412, 415, 417 or the databases 422, 424, 426 of the order information collection unit 410 or the credit support unit 420 described above is an Oracle, Infomix, Sybase ( Sybase), relational database management systems (RDBMS) such as DB2, object-oriented database management systems (OODBMS) such as Gemston, Orion, O2, etc., and Excelon, Tamino, Sekai It can be implemented for the purposes of the present invention using an XML Native Database such as Sekaiju) and has appropriate fields or elements to achieve its function. In addition, each of the databases 412, 415, 417 or the databases 422, 424, 426 may be integrated into one database as necessary.

Since the construction and management of the database required for the present invention can be sufficiently performed by those skilled in the art, detailed description thereof will be omitted.

The purchase price payment support unit 430 functions to support the supplier 120 to pay the purchase price to the supplier using the credit limit information included in the corporate card according to the present invention. To this end, the purchase payment support unit 430 supports the payment of the purchase price within the credit limit set in the partner company 120, including a purchase price payment module that supports the payment function of the purchase price using the credit limit. .

The selling price recovery support unit 440 functions to support the recovery of the price of the goods sold (delivered) by the supplier 130 to the cooperative company 120. Similar to the purchase price payment support unit 430, the payout recovery unit 440 includes a payout recovery module for supporting the supplier 130 to recover the payout from the supplier 120.

FIG. 5 is a table showing information and uses recorded in an integrated report generated by the comprehensive evaluation module 427 according to an embodiment of the present invention.

As can be seen from the table shown in Figure 5, the information recorded in the integrated report is largely divided into supplier credit information, buyer credit information, supplier chain default risk, order information, payment information, future sales information, etc. . In addition, the information of the detailed items for each large category is recorded, and the information on the function and / or utilization of each large category is also recorded. For example, the electronic report integrated report generated by the comprehensive evaluation module 427 may be utilized by a number of financial institutions or financial institutions corresponding to the funding.

Among the information recorded in the integrated report, the inter-company identification information is used as basic management information for generating a tangible or intangible corporate card used in the inter-company payment system using future sales bonds according to an embodiment of the present invention. In addition, consolidated reports can be sorted and recorded by date, which can be used as the basis for managing and controlling future sales receivables.

Figure 6 is an exemplary view showing the possible risk factors for the valuation of future sales bonds according to an embodiment of the present invention by period.

As shown in Figure 6, the risk of future sales bonds (Risk) can be largely divided into risk before delivery / inspection and risk after delivery. If we understand this as the contractual relationship between the purchasing company and the supplier, it can be divided into the risk of contract execution by the supplier and the default risk of the purchasing company. In other words, the risk of future sales bonds is the sum of the risks before delivery / inspection and after delivery, which in turn is equal to (contract default risk) × (partner default risk) + (1-contract default risk) × (failure of purchase company). Risk) × (the risk of partner chain defaults). If this is expressed as an equation, it is the same as Equation 1.

Risk = R {1 + C- (A × C)-(B × C)} × D _b + (1-AB) × C ² + (A + B) × C = α × D _b + β

Here, 0 <α = R {(1 + C- (A × C)-(B × C)} and β = (1-AB) × C ² + (A + B) × C ≦ 1.

Also here, A = defect incidence, B = delivery delay rate, C = supplier's own credit risk (risk of defaulting regardless of buyer), D _b = buyer's default risk, R = supplier's serial default risk ( The degree to which the supplier depends on the purchasing company In addition, defect incidence, delivery delay rate, supplier's own credit risk, and purchaser's default risk can be treated as a constant because they can be calculated using known techniques. Therefore, it can be seen from Equation 1 that the risk of future sales bonds is a function of the default risk of the purchasing company.

For example, assuming that the risk of default on the purchasing company is "0", the future sales risk, Risk = (1-AB) × C ² + (A + B) × C, is a function of the supplier's own credit risk. If the delay rate is less than 50%, the prospective bond risk curve is in the shape of a convex parabola (because the coefficient is +). In other words, the risk growth rate of future sales bonds is lower than that of the supplier itself. On the other hand, if the defect incidence rate and the delivery delay rate are "0", the future sales risk Rsik = C ² is proportional to the square of the supplier's own credit risk, and the value between 0 and 1 of the supplier's own credit risk The risk of future sales bonds is sharply reduced.

On the other hand, the default risk y of the supplier is expressed by the following equation.

y = a (1) × x (1) + a (2) × x (2) + a (3) × x (3) + .... + C

In addition, a (n) means the probability that the supplier will fail if the purchasing company (n) is in default, and a (n) is the sales composition ratio of the supplier (revenue to the purchasing company / total sales of the supplier). Can be obtained as a function of. In addition, x (n) is the default probability of purchasing company n, and C is the supplier's own credit risk as described above.

On the other hand, a (n) can be measured using the tax breakdown of each vendor's customers. The tax calculation history for each customer is possible through the order information transmission and reception module 411 described above. Therefore, if the limit setting module 423 described above separates only the default risk of the company, it is possible to implement the credit monitoring module 425 of the individual company that measured the correlation between the company and the customer.

7 is a block diagram schematically illustrating an integrated information management account system 700 that may be built in an inter-company billing server 200 according to an embodiment of the present invention.

The integrated information management account system 700 according to the embodiment of the present invention includes a repository 710 and a registry 720. The repository 710 is a data store in which all information generated by the inter-company billing server 200 is stored and shared, as described above with reference to FIG. 4. In addition, the registry 720 is an enterprise card that performs payment of various payments using payment related data stored in the repository 710.

Meanwhile, the repository 710 includes corporate identification information, customer identification information, corporate credit information, trader credit risk, purchaser credit risk, order identification information, order information, inter-company defect rate / delay rate, inter-company bankruptcy risk, future Receivables generation information, payment information, etc. are stored. In addition, the registry 720 stores company identification information including information such as a business number, a corporation number, a unique certification number, an issue date, and an issuer.

In general, one supplier may have a purchasing entity that transmits n order information, and may have n payment accounts from a funding financial institution or a financial institution and a corresponding bond acquisition agency. In this case, whenever one or more of the purchasing company, the debtor, and the financial institution are changed, it is necessary to change and manage the payment account of the purchasing company and its suppliers.

For example, if five buyers, five debt acquirers, and five contracts are settled through future sales, a maximum of 5 ³ = 125 settlement account changes may occur. In particular, as the number of purchasing companies, business partners, financial institutions, and bond acquiring institutions related to a contract increases, the number of payment account changes that the purchasing business or business partners must change and manage increases, resulting in a change in the payment account. This can be a cumbersome problem of having to do it manually.

In order to solve this problem, the repository 710 stores the identification information of the purchaser and the supplier related to the future sales bonds listed above, order information in which detailed information related to the contract is stored, payment information, and the like, and the repository 710 is stored. The registry 720 requesting the payment is authenticated and matched to perform the payment. That is, the company identification information recorded in the registry 720 and the company identification information stored or shared in the repository 710 are compared to determine the actual account list of the corresponding company, and the payment is performed for each order.

8 is a flowchart illustrating a process of settlement between companies using future sales bonds according to an embodiment of the present invention.

Hereinafter, it will be described on the assumption that the corporate card has already been issued to the cooperative company 120 by the inter-company payment server 200.

The contractor 120 that has entered into an order contract with the purchasing company 110 transmits an electronic order confirmation request to the purchasing company 110, and the purchasing company 110 generates an electronic order confirmation to generate payment between the companies. Transfer to the payment server (S800). The inter-company payment server 200 receiving the order confirmation performs a verification operation on the non-repudiation, validity, suitability, etc. of the order information using the order information verification module 413 (S802).

The inter-company billing server 200 determines whether verification of the received order information has been successfully performed (S804), and if verification is successful, transmits an order / transaction confirmation to the financial institution (S806). In addition, the inter-company billing server 200 updates the order information database of the partner company 120 by performing a task of classifying and storing a successful order / transaction confirmation.

On the other hand, the cooperative company 120 that has signed a supply contract with one or more suppliers 130 requests the payment of the sales price to the supplier 130 using the issued corporate card (S808). The supplier 130 receiving the payment request of the sales price transmits the approval request signal of the corporate card to the inter-company payment server 200, and the inter-company payment server 200 receives the approval request signal (S810). ).

The inter-company payment server 200 receiving the approval request signal from the supplier 130 transmits the approval request signal to the financial institution 140 (S812). Of course, the steps S808 to S812 may be simplified by requesting the payment of the direct sales price by transmitting the identification information of the seller 130 to the inter-company payment server 200.

The financial institution 140 receiving the approval request signal from the inter-company payment server 200 determines whether the card is approved using the limit information of the corporate card held by the cooperative company 120 (S814). When the card approval is normally performed as a result of the determination in step S814, the financial institution 140 transmits a card approval signal to the inter-company payment server 200, and the inter-company payment server 200 delivers the received card approval signal. Send to the company (130) (S816).

The inter-company payment server 200 performs a payment between the partner company 120 and the supplier 130 (S818). Here, the payment process between the supplier 120 and the supplier 130 is a payment from the financial institution to the supplier to the payment, and when the purchase price from the purchaser 110 receives the fact that the inter-company payment server Notify 200. Then, the inter-company billing server 200 deposits a purchase price that is settled to a subtractor from the purchase price for the cooperative company.

On the other hand, if the verification of the order information fails or the determination of the step 804 or step S814 or the approval of the corporate card fails, the verification failure information or authorization failure information is transmitted to the purchasing company 110 or the partner company 120, and the like. (S820, S822).

The above description is merely illustrative of the present invention, and those skilled in the art will appreciate that various modifications can be made without departing from the essential features of the present invention. Accordingly, the embodiments disclosed herein are not intended to limit the present invention but to describe the present invention, and the spirit and scope of the present invention are not limited by these embodiments. It is intended that the scope of the invention be interpreted by the following claims, and that all descriptions within the scope equivalent thereto shall be construed as being included in the scope of the present invention.

As described above, the inter-company billing system according to the present invention has the effect of providing the purchasing company with a stable supply chain of goods through the strengthening of the competitiveness of the supplier, reduction of purchase cost, efficient management of the supplier. In addition, as the financing becomes easier, suppliers can reduce costs by smoothly procuring short-term working capital, securing investment space, facilitating raw material procurement, and strengthening bargaining power.

Vendors can benefit from stable payouts, smooth fund management, lower bill management costs, prevention of chain bankruptcy risk, and lower management costs. In addition, financial institutions can create new markets as a new revenue source by supporting the purchase price generated from inter-company transactions and receiving commissions, reducing risks and diversification of cash loans, reducing management costs, and efficiently establishing sales networks. It can be effective.

In addition, it has the effect of generating substantial and legally effective future sales bonds arising from intercompany transactions.

Claims (21)

As a company-to-company order and transaction information management system that collects, verifies, analyzes and evaluates the order and transaction information generated from business transactions, establishes future sales bonds and supports electronic payments. A purchaser computer provided to a purchaser that orders goods or services through a communication network, generates and sends an electronic order / transaction confirmation, and pays a purchase price corresponding to the order information; After entering into an order contract with the purchaser, generating and sending an electronic order / transaction confirmation request, applying for and issuing an electronic form of the corporate card, paying the sales price with the corporate card, and paying the purchase price A partner computer with the subcontractor; A supplier computer provided to a supplier that has entered into a supply contract with the supplier, processes a payment request for the sale price using the corporate card from the supplier computer, and receives the sale price; Receive and store the order / transaction confirmation, verify and classify the order / transaction confirmation, issue the corporate card as collateral for the future sales receivable from the order contract, and credit the supplier An inter-company payment server for setting a limit, receiving an authorization request of the corporate card, and supporting payment of the purchase price and recovery of the sale price; And Receiving the order information and the authorization request generated by the order / transaction confirmation from the inter-company payment server to set a loan limit, approves the corporate card, and pays the sales price to the supplier computer, A financial institution computer installed in a financial institution that receives the purchase price from the purchasing company computer. Inter-company order and transaction information management system, characterized in that it comprises a future sales bond formation and electronic payment management system using the same. The method of claim 1, The corporate card is determined by the credit limit according to the purchase amount, the inter-company order, characterized in that the company identification information including the business number, corporation number, unique authentication number, issue date and issuer of the supplier is recorded. And a transaction information management system and a future sales bond formation and electronic payment management system using the same. According to claim 1, wherein the inter-company billing server An order information collection unit for collecting and verifying the order / transaction confirmation request and / or the order / transaction confirmation through a communication network, classifying, storing, and generating support information used to set the credit limit; A credit grant support unit which receives the support information from the order information collection unit and sets and stores the credit limit for the output company; A purchase price payment support unit supporting payment of the purchase price; And A payout support unit that supports settlement of the payout within the set credit limit. Inter-company order and transaction information management system, characterized in that it comprises a future sales bond formation and electronic payment management system using the same. The method of claim 3, wherein the order information collecting unit An order information transmission and reception module for collecting the order / transaction confirmation and / or the order transaction confirmation request through a communication network; An order information verification module for verifying non-repudiation, integrity, validity, and suitability of the order information collected by the order information transmission / reception module using authorized authentication technology or private authentication technology; An order information classification module that receives the order information verified from the order information verification module and classifies and processes the order information according to one or more classification criteria of company identification information, contract identification information, and contract detail information; A support information generation module for receiving the processed order information from the order information classification module and generating the support information; And A first assistance information transmission / reception module configured to receive the assistance information and transmit the assistance information to the credit assistance support unit Inter-company order and transaction information management system, characterized in that it comprises a future sales bond formation and electronic payment management system using the same. The method of claim 4, wherein the support information is Credit information, including information about Supplier's own credit risk, Buyer Bankruptcy risk, and Supplier Chain Bankruptcy risk; And Transaction information that contains information on contract default risks, including the incidence of defects and delays in delivery Inter-company order and transaction information management system, characterized in that it comprises a future sales bond formation and electronic payment management system using the same. The method of claim 4, wherein The order information collecting unit stores the order information collected by the order information transmission and reception module, the processed order information processed and classified by the order information classification module, and the support information generated by the support information generation module, respectively. An inter-company order and transaction information management system, and a future sales bond formation and electronic payment management system using the same. The method of claim 4, wherein the credit support support unit A second assistance information transceiver module for receiving the assistance information from the first assistance information transceiver module; A transaction analysis module for calculating transaction analysis information including a defect rate, a delay rate, a credit risk of the supplier, and a bankruptcy risk of a purchasing company for setting a credit limit for a supplier; A limit setting module for setting a credit limit for the corporate card of the supplier by evaluating the value of future sales bonds held by the supplier using the credit rating of the purchasing company; A credit monitoring module for evaluating and calculating a chain default default risk and a default risk of the cooperative company that processes payment through the future sales bond; And A comprehensive evaluation module that receives the information generated by the transaction analysis module, the limit setting module and the credit monitoring module and generates an integrated report in electronic form in which information generated in the payment process using the future sales bond is recorded. Inter-company order and transaction information management system, characterized in that it comprises a future sales bond formation and electronic payment management system using the same. The method of claim 7, wherein The value of the future sales bonds between companies and orders characterized in that it changes in real time according to the risk of defaults according to the goods, the size of the transaction between the purchaser and the supplier and the relationship with the trading partner that the supplier is trading Information management system and future sales bond formation and electronic payment management system using the same. The method of claim 7, wherein The limit setting module is an inter-company order and transaction information management system, characterized in that for setting the credit limit for the supplier on a regular basis in accordance with the order information between the purchaser, the supplier and the financial institution and this Formation of future sales bond using and electronic payment management system. The method of claim 7, wherein The integrated report includes at least one of the supplier credit information, the purchaser credit information, the supplier chain default risk information, order information, payment information and the prospective sales receivable information. And a transaction information management system and a future sales bond formation and electronic payment management system using the same. The method of claim 7, wherein The credit support support unit includes the transaction analysis information analyzed by the transaction analysis module, the credit limit set by the limit setting module, the chain default default risk and the default risk of the supplier calculated by the credit monitoring module, and the synthesis. The inter-company order and transaction information management system, and the formation of future sales bonds and electronic payment management using the same, characterized in that it includes a plurality of databases stored in each of the integrated reports generated by the evaluation module or a single database that is integrated and stored. system. The method of claim 1, wherein the risk of the future sales bond Risk = R {1 + C- (A × C)-(B × C)} × D _b + (1-AB) × C ² + (A + B) × C = α × D _b + β α = R {(1 + C- (A × C)-(B × C)}, β = (1-AB) × C ² + (A + B) × C ≦ 1, A = defective occurrence rate, B = delivery delay rate , C = partner's own credit risk, D _b = buyer's default risk, R = partner's chain default risk; Payment management system. The method of claim 1 or 12, The value of the future sales bonds corresponding to the result of dividing the purchase price by (1-the risk of the future sales bonds) value of the inter-company order and transaction information management system and the formation of future sales bonds using the same; Electronic payment management system. The method of claim 7, wherein the default risk of the supplier y = a (1) × x (1) + a (2) × x (2) + a (3) × x (3) + .... + C, where a (n) is the purchasing company (n ) Is the probability that the supplier will be defaulted if bankruptcy occurs, x (n) is the probability of default of the purchaser (n), and C is the supplier's own credit risk. Formation of future sales bond and electronic payment management system using this. The method of claim 1, The inter-company payment server authenticates the corporate card requesting payment between the purchasing company computer, the partner computer, the supplier computer, and the financial institution computer, and checks the corporate identification information recorded on the corporate card. Forming and operating an inter-company order and transaction information management system and a future sales bond using the same, characterized in that it establishes and operates a repository for processing payments by automatically identifying one or more related payment accounts. Payment management system. The method of claim 15, The repository includes corporate identification information, customer identification information, corporate credit information, trader credit risk information, purchaser credit risk information, order identification information, order information, defect rate, delay rate and chain default risk information, future sales of the supplier. An inter-company order and transaction information management system, characterized in that at least one of the bond information and payment information is stored, and the future sales bond formation and electronic payment management system using the same. As a method of managing order and transaction information between companies that collects, verifies, analyzes and evaluates order information and transaction information generated from business transactions, establishes future sales bonds, and supports electronic payment. (a) the purchaser enters into an order contract with a supplier, and the purchaser computer generates an electronic form of the order / transaction confirmation in accordance with the order agreement and transmits it to the inter-company payment server; (b) verifying the order / transaction confirmation received by the inter-company payment server and transmitting an approval signal to the purchasing company computer; (c) the inter-company payment server sorting and storing the verified order / transaction confirmation, and transmitting the order / transaction confirmation to a financial institution computer; (d) the supplier signing a delivery contract with the supplier and requesting payment of the sales price to the supplier computer using the issued corporate card; (e) the inter-company payment server receiving the approval request signal of the corporate card from the supplier computer and transmitting the approval request signal to the financial institution computer; (f) the inter-company payment server receiving the approval signal of the corporate card from the financial institution computer and transmitting the received signal to the supplier computer to perform the payment of the sales price; And (g) the financial institution computer deposits the sales price to the supplier computer, receives the purchase price from the purchasing company computer, and deposits the purchase price settled to the cooperative company through the inter-company payment server. step Inter-company order and transaction information management system comprising a; and the future sales bond formation and electronic payment management method using the same. The method of claim 17, wherein in the step (a), the inter-company payment server, A method of collecting the order / transaction confirmation generated and transmitted by the purchasing company; The supplier generates an electronic order / transaction confirmation request and transmits the request / transaction confirmation request to the inter-company payment server, and sends the order / transaction confirmation request received by the inter-company payment server to the purchaser. How to collect transaction confirmations; A method in which the supplier generates the order / transaction confirmation request and transmits it to the purchasing company, and collects the order / transaction confirmation letter generated and transmitted by the purchasing company that has received the order / transaction confirmation request; A method for collecting the order / transaction confirmation request and the order / transaction confirmation, each of which is generated online by the supplier and the purchaser by accessing the inter-company payment server through a communication network; And A method of collecting the order / transaction confirmation generated by the purchasing company that receives the order information transmitted through a card reader device and a communication network using a magnetic card or an integrated circuit (IC) card from the supplier An inter-company order and transaction information management system, and the formation of future sales bonds and electronic payment management method using the same. 19. The process according to claim 18, wherein in step (b) The verification is an inter-company order and transaction information management system, characterized in that for verifying the non-repudiation, integrity, validity and suitability of the order information received by using a private authentication technology or authorized authentication technology and this Formation of future sales bond using and electronic payment management method. The method of claim 19, The inter-company billing server analyzes the current order pattern and current order size, the goods information and past transaction history information for the cooperative company, which are determined using the order information in the process of verifying the received order information. Comparing past order patterns and statistics of past order sizes, and if the comparison result exceeds the predetermined threshold more than or less than a certain limit, verify that the order information is inappropriate information. Information management system and formation of future sales bonds and electronic payment management method using the same. The method of claim 16, The corporate card includes DES (Data Encryption Standard), RC5, International Data Encryption Algorithm (IDEA) and SEED, Private Key (RS) (Rivest, Shamir, Adleman), ECC, and Public Key. (Elliptic Curve Cryptosystem) and inter-company orders and transactions, which are used to secure payments in a secured or encrypted state by using one or more technologies of a combination of a secret key method and a public key method (SSL). Information management system and formation of future sales bonds and electronic payment management method using the same.