KR20040088079A - Business method for e-commerce related to bill and check between enterprises in internet and media about it programs are recorded in to be readable by the computer - Google Patents

Abstract

PURPOSE: A business method for linking settlement such as a bill and a check with the EC(Electronic Commerce) between enterprises on the Internet, and a computer-readable recording medium recording a program for the same are provided to allow use in compensation for making a user buy or lend the bill, the check, and a personal check at a main site or a linked bank. CONSTITUTION: Buying/depositing/mortgaging the bill, the check, and the personal check to the main site operated by a server, the user receives a loan, pays prepayment before a settlement day, and uses the EC of a predetermined amount. As a banking institution linked with the main site gives the loan or pays the prepayment to the customer by making the customer buy/deposit/mortgage the bill to the banking institution, the main site receives commission from the banking institution.

Description

Business method for interworking payments between electronic bills, checks, etc. on the Internet, and a computer-readable recording medium that records the related programs.Business method for e-commerce related to bill and check between enterprises in internet and media about it programs are recorded in to be readable by the computer}

In general, notes, checkings, and household checks had to be discounted in order to be paid before the payment date, which would result in significant financial loss. The present invention relates to a business method for linking electronic commerce and settlement between companies, such as bills, checking and checks on the Internet, to address these shortcomings.

Disclosed is a method of purchasing a bill, checking check, or household check directly from the main site or from a linked bank, or making use of electronic commerce in return.

<Representative drawing> is a system diagram which shows the Example between each component in the case of using a bill. By symbol,

01: Company A sells goods to Company B,

01: Company B issues a note and gives it to Company A,

03: Deposit the bill on the main site,

04; Set up points with advance payment,

05: Using e-commerce,

06: Fill in a predetermined point,

07: present draft to Company B on maturity date at main site,

08: Represents a relationship receiving payment.

1 is a flowchart of obtaining points and failing to acquire as many points as necessary for each period. It is a diagram corresponding to the embodiment in the case of using the electronic commerce by attaching an additional point only once, and then canceling. Y means yes and N means no.

Performs membership management and conducts electronic commerce transactions with computer terminals with Internet access devices, programs, input devices, displays, and communication devices that can connect to companies and servers that issue bills, checkings, and household checks online or offline In the system consisting of a server that makes a payment, payment, advance payment,

Bills, checking and household checks are purchased from the main site running the server, deposited or set up as collateral, loans, advance payment before the settlement date, and using a certain amount of e-commerce, The present invention relates to a business method of interworking payments and electronic commerce between bills and checking accounts on the Internet.

Banks linked to the main site buy, deposit, or set up a mortgage for drafts, checks, or household checks, make advance payments from the bank, pay a fee from the bank, or get an e-commerce transaction from the bank. There is also a way to make the main site only have an intermediary function by using one or both of the methods in the e-commerce site associated with the e-commerce site and receiving commission from the e-commerce site.

Receive advance payment as a method of presenting the corresponding e-commerce purchase amount by period when receiving the advance payment and confirming it, or by receiving the advance payment to obtain a predetermined point for each corresponding e-commerce purchase amount by the period. In addition to the e-commerce, services for earning points and other possible methods may be presented.

Although there is not much active B2B e-commerce up to now, when it is activated, it is necessary to produce raw materials or intermediate goods or products purchased from wholesalers by companies, and when using them to purchase these products, etc. In consideration of the fact that these products occupy a large portion of the cost, the present invention can be effective as the e-commerce between enterprises is activated. In addition, if the current BITC e-commerce is reconfigured appropriately for the enterprise, the degree of purchase of goods or consumables necessary for the production or sales process through the e-commerce will be increased, and the present invention will be effective. .

If you fail to fill a fixed amount of e-commerce purchases by period or earn points by period, you may be penalized by increasing the required purchase amount or points by adding them, or immediately or after a certain grace period. If the purchase amount cannot be filled by period or points cannot be obtained by period, the contract is terminated and the advance payment is collected.

The present invention is effective when a financial institution such as a bank uses e-commerce in parallel, and is a kind of new business method in which the financial industry and e-commerce are in parallel.

For companies with urgent cash turns, traditional discounts reduce the loss of money by exchanging notes, checkings, and household checks, and can choose to use money in part or in full freedom. Commerce is activated.

Claims (19)

Performs membership management and conducts electronic commerce transactions with computer terminals with Internet access devices, programs, input devices, displays, and communication devices that can connect to companies and servers that issue bills, checkings, and household checks online or offline In the system consisting of a server that makes a payment, payment, advance payment, Bills, checking and household checks are purchased from the main site running the server, deposited or set up as collateral, loans, advance payment before the settlement date, and using a certain amount of e-commerce, A business method that links e-commerce with payments between companies, such as drafts and checkings on the Internet. In paragraph 1, banks, banks and other financial institutions linked to the main site purchase, deposit, or set mortgages for drafts, checks, and household checks to make loans; pay advance payments at banks and other financial institutions; How to get paid from the agency. The method of paragraph 1, wherein the e-commerce is carried out at an e-commerce site linked to the main site, and a fee is paid from the e-commerce site. How to apply for advance payment in paragraph 1, present the corresponding e-commerce purchase amount by period, and get confirmation of it. A method of applying for advance payment in paragraph 1 to obtain a predetermined point for each period for each corresponding e-commerce purchase amount. In addition to the electronic commerce section 5, a service for earning points and other possible methods are presented together. How to increase the mandatory purchase amount or points by adding a surcharge or additional points if the e-commerce purchase amount specified in Paragraph 4 and 5 cannot be filled by period or points cannot be obtained by period. How to terminate the contract and collect the advance payment if the e-commerce purchase amount specified in 4, 5, 7 cannot be filled by period or points cannot be obtained by period. Performs membership management and conducts electronic commerce transactions with computer terminals with Internet access devices, programs, input devices, displays, and communication devices that can connect to companies and servers that issue bills, checkings, and household checks online or offline In the system consisting of a server that makes a payment, payment, advance payment, Bills, checking and household checks are purchased from the main site running the server, deposited or set up as collateral, loans, advance payment before the settlement date, and using a certain amount of e-commerce, A system consisting of a corporate server and a main server that conducts electronic commerce and pays upfront payments in order to perform a business method of interworking payments and electronic commerce such as drafts and checkings on the Internet. In paragraph 1, financial institutions, such as banks linked to the main site, purchase, deposit, or set a mortgage for drafts, checkings, and household checks to make loans, and pay advance payments at financial institutions, such as banks, and financial institutions such as banks. A system in which a connection program is added between a financial institution such as a bank and a server and a main server of a financial institution, such as a bank, to perform a method of receiving a fee from a subsidiary. The system of claim 1, wherein an e-commerce site is connected to the main site, and the linked e-commerce site is connected to the server and the main server to perform a method of receiving a fee from the e-commerce site. (Dependent port) Performs membership management and conducts electronic commerce transactions with computer terminals with Internet access devices, programs, input devices, displays, and communication devices that can connect to companies and servers that issue bills, checkings, and household checks online or offline In the system consisting of a server that makes a payment, payment, advance payment, Bills, checking and household checks are purchased from the main site running the server, deposited or set up as collateral, loans, advance payment before the settlement date, and using a certain amount of e-commerce, A computer-readable recording medium that records programs on business, such as bills, checkings, and business methods that link business transactions with e-commerce. In paragraph 1, banks, banks and other financial institutions linked to the main site purchase, deposit, or set mortgages for drafts, checks, and household checks to make loans; pay advance payments at banks and other financial institutions; A computer-readable recording medium that records a program on how to receive commission from an agency. The computer-readable recording medium of paragraph 1, wherein the electronic commerce is carried out at an electronic commerce site linked to the main site and a program is recorded on how to receive a fee from the electronic commerce site. A computer-readable recording medium that records a program on how to apply for advance payment in paragraph 1, present a corresponding e-commerce purchase amount by period, and receive confirmation thereof. A computer-readable recording medium that records a program on how to apply for advance payment in paragraph 1 and obtain a predetermined point for each period of purchase for the corresponding e-commerce purchase. A computer-readable recording medium recording a program on how to present, in addition to electronic commerce, points earning services and other possible methods in accordance with paragraph 5. If you cannot fill the e-commerce purchase amount set by section 4 or 5 by period, or if you cannot earn points by period, you can read it with a computer that records the program on how to increase the mandatory purchase amount or points by adding a surcharge or additional points. Recording media (dependent port) A computer-readable record of a program on how to terminate the contract and collect the advance payment if the e-commerce purchase amount specified in paragraphs 4, 5 or 7 is not met by period or points cannot be earned by period. Medium. (Dependent Port)