KR20070117497A - Purchasing cash settlement method and system - Google Patents

Abstract

A method and a system for settling purchasing cash are provided to return a part of a system charge generated from cash payment to a purchase company in B2B(Business-To-Business) cash payment and pay a sale amount to a sale company at a lower interest rate than a discount fee anytime. A database stores registered company information and the information related to transaction between the sale and purchase company. A payment part performs the payment based on the information related to the payment of the purchase company and stores the information to the database. A payment requestor requests the payment to a financial facility server by receiving payment request information for all or a part of the sales amount from the sale company before a sale amount payment day. A fee payment processor calculates the fee based on the time from a payment time point of the purchase company and a requested amount, remits the payment amount subtracting the calculated fee from the requested amount to the sale company, and remits rewards to the purchase company based on the subtracted fee.

Description

Purchase Cash Payment Method and System {PURCHASING CASH SETTLEMENT METHOD AND SYSTEM}

1 is a conceptual diagram according to a payment method of an intercompany transaction using a conventional purchase card.

Figure 2 is a conceptual diagram according to the present invention, a payment method of the transaction between companies by cash deposits through the purchase cash settlement system of the brokerage company.

3 is a conceptual diagram according to the present invention, a payment method of the transaction between companies by cash deposits through the purchase cash settlement system of a financial institution.

4 is an exemplary view illustrating fees according to a payment method of an inter-company transaction price in the present invention.

5 is a conceptual diagram according to the present invention, a payment method of transaction between companies by credit through the purchase cash settlement system of the brokerage company.

6 is a conceptual diagram according to the present invention, a payment method of transaction between companies by credit through the purchase cash payment system of a financial institution.

7 is a block diagram of a purchase cash settlement system according to the present invention.

8 is a flowchart of one embodiment according to the present invention.

The present invention relates to a method and system for purchasing cash, and more particularly, to a method and system for increasing cash flow and utilization rate by returning a part of a fee generated through cash payment in an intercompany transaction to a purchasing company.

Currently, payment of inter-company transactions includes purchase cards (corporate purchase cards, purchase-only cards) and bills.

The payment using the purchase card, issuing a purchase card to a purchaser with a credit in the financial sector, the selling company is affiliated with a merchant, and when the selling company sells the product to the buying company, the purchaser recalls the purchase price By paying with a purchase card, the selling company deducts a certain percentage of the prepayment fee and is paid the selling price, so that the selling company can cash out early, and the buying company pays cash in advance using credit. The same effect as the above, the financial institution is a way to obtain a commission income by paying cash in advance to the selling company.

1 is a conceptual diagram according to a payment method of the transaction between companies using the existing purchase card.

Referring to FIG. 1, which is a conceptual diagram of the purchase card, the existing purchase card is a state in which a financial institution, a purchasing company, and a selling company are connected to a network. The selling company sells to the purchasing company (①). The purchasing company joins a financial institution as a credit member (②), and the purchasing company pays the purchase price with a purchase card (③). When a selling company joins a financial institution as a merchant (④), and the selling company asks the financial institution to make advance payment of the sales price (⑤), the financial institution pays the selling company after deducting the prepayment fee from the selling price (⑥). do. On a predetermined date, the purchaser pays the sales price in cash to the financial institution (7), thereby ending the payment by the purchase card.

However, the conventional purchase card, the purchaser should have a credit enough to issue a purchase card at the financial institution, because the company that can issue a purchase card is extremely limited, the first to second vendors of large companies Only a company can benefit from the purchase card.

In addition, since the first and second vendor companies of the large companies actually do not have enough cash to pay the commissions and receive the payout, they pay high fees and receive the payouts in cash to deposit cash in the low interest deposit accounts. There is no need to remain. Due to this, there was a problem such as an obstacle to the activation of the use of the purchase card.

Among the first and second vendor companies, companies that cannot receive a purchase card because of low credit rating cannot pay to the subcontractor with the purchase card, so even if the original company of the company pays with the purchase card, a high fee is not paid. There was a problem that the subcontracted company did not activate the purchase card by paying by bill or credit transaction rather than cash payment.

In addition, in the case of payment through the bill may be the beginning of the chain failure.

The present invention is to solve the problems of the prior art as described above, the purchase cash payment method and system for returning a part of the system usage fee caused by the cash payment to the purchasing company in the payment of the transaction between companies. The purpose is to provide.

It is another object of the present invention to provide a purchase cash payment method and system for paying the sales price in cash at any time at a much lower interest rate than the discount fee that may occur in the settlement of bills. have.

Purchasing cash payment method according to an embodiment of the present invention for achieving the above object, the terminal and network having a purchase cash payment system, the terminal connected to the purchase cash payment system of the brokerage company through the network and the A purchase cash payment method using a computer network of a financial institution connected to a network and a financial institution, comprising: a payment step of allowing a purchaser to pay for a purchase price through the terminal; A cash deposit step of allowing the purchaser to deposit cash in payment to a purchase settlement account of a financial institution designated at the time of membership registration; A payout request step of requesting an intermediary to pay a part or all of the sales price at a desired time by the selling company, and a selling price for the broker to request the financial institution to pay the selling price requested by the selling company. A remittance request step and a remittance step for the financial institution to remit payments deducting payment fees to the sales settlement account of the selling company designated at the time of joining the merchant; A payment fee settlement step of allowing the financial institution to pay a system fee to all or part of the payment fee to the brokerage company; The brokerage company is a system fee settlement step of providing a part of the system fee paid in the payment fee settlement step to the purchaser as a purchaser company compensation fee; It includes.

In the selling payment request step, the selling company may request payment of a part or all of the selling price at a necessary time. According to the contract of the purchasing company, the selling company, the brokerage company and the financial institution, if the payout request has not been made for a predetermined period, the payout request step may be omitted and proceed to the payout request step.

In the payment payment request step, the purchase cash settlement system of the intermediary company calculates the payment fee and the system fee and delivers it to the financial institution along with the payment request.

When the purchaser pays the purchase price by cash payment, if the purchaser pays the purchase price to the designated account before the seller's request for payment, the financial institution purchases payment system of the brokerage company. Notifying the result, and the brokerage company provides a settlement completion notification step of notifying the sales company of the result; Perform

The payment completion notification step may or may not be performed depending on the method of implementing the system of the present invention.

On the other hand, the purchase cash payment system according to an embodiment of the present invention, as a system for paying the transaction price of goods between the purchasing company and the selling company,

A database for storing information on purchasers and sellers registered as members and information related to transactions between purchasers and sellers; A payment unit for making a payment based on information related to payment from a purchasing company and storing the information in a database; A payment request unit which receives payment request information about a part or all of the payment from the sales company before the payment due date, requests payment to the server of the financial institution, and stores the information in the database; And calculating a payment fee based on the time elapsed since the purchase company paid the purchase price and the amount requested for payment, and deducting the payment fee deducting the calculated payment fee from the amount requested for payment to the selling company. And a fee settlement processing unit for remitting the purchaser's compensation fee to the purchaser based on the deducted payment fee.

The settlement unit prevents the purchaser from withdrawing the purchase price paid by the purchaser from the amount of money that has been written into the designated account of the purchaser.

The payment unit deposits the purchase price paid by the purchasing company from the amount charged in the designated account of the purchase company and deposits the purchase price.

The payment unit provides a credit so that the purchaser can use more than the amount deposited in the designated account as the purchase amount, depending on the credit or collateral of the purchaser and the amount deposited in the designated account.

The payment unit enables the payment by any one of the methods of paying the total amount of cash, credit, cash and credit deposited in the designated account as the purchase payment.

In order to solve the above technical problem, a method and a structure for paying a purchase price in cash will be described in detail with reference to the accompanying drawings.

2 is a conceptual diagram according to a method of installing a purchase cash payment system of the present invention in an intermediary company and using the purchase cash payment system of an intermediary company to settle a transaction between companies by cash.

 Referring to FIG. 2, in the purchase price settlement method according to the present invention, there is additionally an intermediary company connected to a network between a financial institution and a terminal of a purchasing company and a selling company. The purchase cash settlement system of the brokerage firm may be installed inside a financial institution, and the method and procedure thereof will be described below with reference to FIG. 3. When the purchase cash payment system is installed inside a financial institution, the components are similar to those of the existing purchase card system of FIG. The purchase cash settlement system of the brokerage firm and the financial transaction management server of a financial institution may be connected by a leased line to supplement the system.

In the payment procedure of the method of paying cash between businesses using a purchase cash card using the purchase cash settlement system of the intermediary company of FIG. 2, the purchasing company joins the brokerage company as a member of the purchase cash settlement system (① And the sales company (joins the brokerage company as a member of the purchase cash settlement system (②). The purchaser and seller must conclude a purchase cash card transaction contract (③), which is required to settle the transaction using the purchaser's purchase cash settlement system, and notify the purchaser's purchase cash settlement system. . A product sale ④ is performed between the purchasing company and the selling company.

The purchaser may designate one or more accounts of financial institutions necessary for cash deposits to settle the purchase price when joining the intermediary as a member of the purchase cash settlement system. Membership (①) may require a separate membership to a financial institution, if necessary, and in some cases it may be regarded as a membership to a financial institution at the same time. In case of a purchasing company that has already registered as a member, the procedure for registering as a member (①) is omitted.

The selling entity may designate one or more accounts of financial institutions necessary to receive the payout when joining the brokerage firm as a member of the purchase cash settlement system. Membership (②) may be required to join a separate affiliated institution in financial institutions as needed, and in some cases it may be regarded as joining an affiliated merchant at the same time. If the company is already a member of the merchant, the membership registration (②) procedure is omitted.

The purchaser requests the intermediary company to pay the purchase price using the purchase cash card (⑤), and is required to pay the purchase price to the account of the financial institution specified at the time of membership (①) or to the account separately designated by the purchase cash payment system. Deposit (⑥) cash. At this time, the intermediary that is requested to pay the purchase cash card (⑤) may or may not notify the financial institution of the information. In addition, an intermediary that has been requested for a purchase cash card payment (⑤) may configure a purchase cash payment system to notify the selling company that the purchase company has made a purchase cash card payment. If necessary, the purchasing company may have the purchaser pay cash card (⑤) directly to the financial institution. When the purchaser directly pays the purchaser's cash card (⑤) to the financial institution, the financial institution should notify the broker.

After the purchasing company deposits the purchase price in cash into the designated account (⑥), the financial institution shall notify the brokering company of the cash deposit result (⑦). After receiving the cash deposit result notification (⑦) from the financial institution, the intermediary company notifies the selling company that the preparation for payment of the selling price is completed (⑧). The cash deposit result notification (⑦) and the payment preparation completion notification (⑧) may be omitted according to the method of implementing the purchase cash settlement system of the brokerage firm.

When the purchase cash settlement system installed in the brokerage firm does not receive the cash deposit result notification (⑦) message within a predetermined time after receiving the purchase cash card settlement (⑤) message, the brokerage firm is the purchaser and the selling company. The results should be informed. This ensures the safety of the purchase cash settlement system.

Seller who has received settlement preparation notice (⑧) for the result of cash deposit (⑥) performed by the purchasing company sends a request for payment of the selling price (⑨) to the intermediary company when cash is needed. On the other hand, the purchase cash settlement system requests a financial institution to pay the sales price. Before the payment request, the broker's purchase cash settlement system shall calculate the payment fee and the system fee and notify the financial institution with the payment request. If necessary, the selling company may make a payment request (⑨) directly to the financial institution. When a selling company makes a payment request (⑨) directly to a financial institution, the financial institution must notify the broker, and the purchaser's purchase cash settlement system calculates the payment fee and the system fee. Should be informed.

If the selling company does not execute the payment request (⑨) within the prescribed time, the brokerage institution is required to pay all of the remaining sales proceeds without paying even if the selling company does not fulfill the payment request (⑨). A payment request must be made.

The financial institution, which has received a payment request from an intermediary, deducts and pays the payment fee from the sales price requested by the selling company.

After the financial institution pays the settlement amount to the selling company, the financial institution pays the system fee which is part of the payment fee to the brokerage firm.

The intermediary company pays the purchaser the purchaser's compensation fee determined by the contents of the purchase cash card transaction contract (③) concluded between the purchaser and the seller and a predetermined usage fee.

FIG. 3 is a conceptual diagram of a method of installing a purchase cash settlement system of an intermediary company of FIG. 2 in a financial institution, and using the purchase cash settlement system of a financial institution to settle a transaction between companies in cash. .

The payment procedure of the method of paying cash between businesses using the purchase cash card using the purchase cash settlement system of the financial institution of FIG. 3 is as follows. The sales company subscribes to the financial institution as a member of a purchase cash payment system (②). The purchaser and seller must conclude the purchase cash card transaction contract (③) necessary to settle the transaction using the purchaser's purchase cash settlement system of the financial institution and notify the result of the purchaser's purchase cash settlement system of the financial institution. The sale of goods (④) is carried out between the purchasing company and the selling company.

Purchasing companies may designate one or more accounts of financial institutions required for cash deposits to settle the purchase price when joining the financial institution as a member of the purchase cash settlement system. In case of a purchasing company that has already registered as a member, the procedure for registering as a member (①) is omitted.

A selling company may designate one or more accounts of a financial institution necessary to receive payments when it joins (②) a financial institution with a purchase cash payment system. If the company is already a member of the merchant, the membership registration (②) procedure is omitted.

The purchaser requests the financial institution to pay the purchase price using the purchase cash card (⑤), and the cash required to pay the purchase price to the account of the financial institution specified at the time of membership registration (①) or to an account specified separately in the purchase cash settlement system. Deposit (⑥).

A financial institution that has been requested to pay for the purchase price (⑤) using the purchase cash card may configure the purchase cash settlement system to notify the selling company that the purchaser has paid with the purchase cash card.

After the cash deposit (⑥) is made to the designated account, the financial institution notifies the selling company that the preparation for payment of the selling price is completed (⑦). The settlement preparation completion notification ⑦ may be omitted according to the method of implementing the purchase cash settlement system of the financial institution.

If the financial institution's purchase cash payment system receives the purchase cash card payment (⑤) message and the cash deposit (⑥) has not been made within a predetermined time, the financial institution sends the purchaser to the selling company. The results should be informed. This ensures the safety of the purchase cash settlement system.

The seller, who has received the settlement preparation notice (⑦) for the result of the cash deposit (⑥) performed by the purchasing company, requests the financial institution to pay part or all of the sales price to the financial institution when cash is required (⑧). do. The financial institution receiving the payment request (⑧) from the selling company deducts the payment fee from the selling price and pays it to the selling company (⑨).

If the selling company does not execute the payment request (8) within a predetermined time, the financial institution deducts the payment fee from the remaining selling price without paying and pays it to the selling company (9).

After the financial institution pays the settlement amount to the selling company (⑨), the financial institution pays the purchaser's compensation determined by the contents of the purchase cash card transaction agreement (③) concluded between the purchasing company and the selling company and a predetermined usage fee. The fee is paid to the purchaser.

2 and 3, a series of inter-company transaction payment processes using the purchase cash card of FIG. 2 are performed through a network, and various fees from the description of the above process will be described with reference to FIG. 4 below.

As shown in Figures 2 and 3, the payment method of the transaction between companies using the purchase cash card as the cash deposit of the present invention, the selling company uses the purchase cash settlement system of the intermediary company of Figure 2 or the financial institution of Figure 3 The payment fee incurred may be the same as the prepayment fee due to a normal purchase card payment, and in some cases, may be small or large. Therefore, since the payment is made in cash with a profit or loss not much different from the case of payment using a normal purchase card, it is advantageous over bills or credit transactions, and the financial institution of FIG. 2 has no profit or loss because it is a cash settlement. Profit can be generated, the intermediary company of FIG. 2 or the financial institution of FIG. 3 can generate a predetermined profit from the system fee, and the purchaser is paid a compensation fee, so that all the constituents are the same or more. It is a system that generates a lot of benefits.

In the settlement of transaction value between the selling company and the purchasing company using the purchase cash payment system, there may be a difference between the point of time when the purchasing company pays the purchase price and the point of time when the selling company requests payment (⑧ of Fig. 2 and ⑧ of Fig. 3). In the case where the selling company does not request the payment of all the amounts paid by the purchasing company and (8 in FIG. 2 and ⑧ in FIG. 3), the transaction price to be paid to the selling company remains in the purchasing company's designated account. Since the designated account may be an account in which the purchaser can withdraw cash freely, in order to secure the settlement of the transaction, the deposited amount is deposited or the cash remaining in the designated account without the purchaser paying the selling company. It may be possible to prevent the withdrawal or reuse of funds, so that the selling company requests payment or transfers to the selling company's designated account after a fixed period of time.

In the method of depositing the transaction amount, the purchaser withdraws the entire payment amount from the designated account of the purchaser and deposits it at the moment the purchaser pays the transaction price using the purchase cash card. Unlike the above method of depositing, the method of restricting the transaction price to the purchaser from withdrawing or reusing the transaction is not withdrawn from the purchaser's designated account, but is left in the purchaser's designated account and the selling company requests payment (Fig. 2). ⑨ of Figure 3 and ⑧) of Figure 3 will be withdrawn from the designated account of the purchasing company and paid. In other words, the purchasing company cannot withdraw the amount used as payment of the purchase price, and only the purchase cash settlement system can withdraw money.

The payment fees incurred at this time will vary depending on the amount of payment requested by the selling entity and the period after the purchaser has settled if the selling entity has requested payment in whole or in part. If the selling company does not make a payment request within a fixed period of time, the selling company is responsible for paying the least payment fee.

FIG. 4 is an exemplary view illustrating various fees according to the case in which the business transaction of FIGS. 2 and 3 is settled in cash using a purchase cash card.

The fee incurred when the purchase cash card payment using the purchase cash payment system of the present invention, as described in Figure 4, there is a purchaser company compensation fee, system fee, server fee, financial fee, payment fee.

Purchasing company compensation fee means a fee for compensating for interest loss of a purchasing company in the case of payment of cash between companies through the purchase cash payment system of the present invention using a purchase cash card. The loss of interest means that the purchaser pays the purchase price when the purchaser pays the purchase price using a payment method such as a conventional bill, a purchase card, a credit loan secured by credit loan, or a network loan. After the elapsed time, the amount paid in cash may be paid to the financial institution. However, the payment using the purchase cash card of the present invention may be paid to the selling company at the request of the selling company as in the existing payment method. This is a loss incurred because the usefulness of cash disappears.

The purchaser's compensation fee may change depending on the purchaser's credit and the purchaser's and seller's purchase cash card transaction contract. It may also be changed from time to time depending on factors such as the type, quantity, and procedure of the goods sold by the selling company. The purchaser's compensation fee may be negative if the purchaser's credit rating is lower than the seller's credit rating. This is similar to the case of the conventional reverse purchase method. In addition, for the convenience of management, the purchaser's compensation fee may be applied uniformly to all purchasing companies. This case is similar to the existing card merchant.

The purchaser's compensation fee is paid to the purchaser who paid using the purchaser's cash card.

The system fee refers to the purchaser's compensation fee for the interest loss compensation of the purchasing company and the operation / maintenance of the purchase cash settlement system. System fees are paid to institutions and companies that have established a cash payment system.

The server fee refers to a fee for compensating for the use of a server of a financial institution to process financial transactions such as account cash transfer / payment / management when using the purchase cash card of the present invention. The server fee is paid to a financial institution that adopts a purchase cash payment system.

Financial fees are high credit rating, so that the purchaser with the credit of the financial institution pays with credit through the system of the present invention by using a payment method such as a conventional purchase card, credit loan secured loan, network loan, etc. In other words, it refers to the existing prepayment fee incurred because the seller is prepaid within the settlement date. Financing fees are paid to the financial institution that credited the purchaser because it was the same as the financial institution had previously loaned cash. If the purchasing company pays the purchase price with the purchase cash card using credit, the financial institution receives both the financial fee and the server fee, so that the purchaser can make a higher profit than the payment using the existing purchase card. .

Payment fee means the fee payable by the selling company when the purchase cash payment system is used to settle the transaction between companies. Payment fees are the sum of system fees, server fees, and financial fees. The payment fee is paid by the selling company to the financial institution, and in the case of FIG. 2, it may be paid directly to the intermediary company managing the purchase cash settlement system as needed.

5, in the present invention, a purchase cash payment system of the present invention is installed in an intermediary company. 5 illustrates a method in which a selling company may be paid in advance using a purchaser's credit, or the selling company may be paid in advance by guaranteeing a credit guarantee fund. In other words, the transaction between companies using the purchasing cash settlement system of the intermediary company is made by the purchaser's credit card through the purchaser's financial institution credit, the loans secured by credit receivables or network loans, etc. Conceptual diagram according to the method. FIG. 5 has a network configuration substantially similar to that of FIG.

In the payment procedure of the method of payment between the intercompany transactions using credit card using the purchase cash card using the purchase cash payment system of the intermediary company of FIG. 5, the purchasing company joins the broker as a member of the purchase cash payment system (① The sales company subscribes to the brokerage firm as a member of the purchase cash payment system (②). The purchaser and seller must conclude a purchase cash card transaction contract (③), which is required to settle the transaction using the purchaser's purchase cash settlement system, and notify the purchaser's purchase cash settlement system. . A product sale ④ is performed between the purchasing company and the selling company.

The purchaser may designate one or more accounts of financial institutions necessary for cash deposits to settle the purchase price when joining the intermediary as a member of the purchase cash settlement system. The membership (①) may require a separate membership to a financial institution as necessary, and in some cases may be regarded as a member to a financial institution as a member to a brokerage firm. In case of a purchasing company that has already registered as a member, the procedure for registering as a member (①) is omitted.

The selling company may designate one or more accounts of financial institutions necessary to receive the payout when joining the intermediary as a member of the purchase cash settlement system. The affiliated subscription (②) may require a separate affiliated subscription to a financial institution, if necessary, and in some cases may be considered to be affiliated to a financial institution at the same time as joining an affiliated brokerage company. If the company is already a merchant, the procedure for joining a merchant (②) is omitted.

The purchaser requests the broker to pay for the purchase price (⑤) using the purchase cash card. The intermediary company inquires (6) whether the purchaser's credit settlement is possible according to the purchase cash card settlement (⑤). In some cases, the credit settlement inquiry (6) may be omitted. The broker company receives the result of the credit settlement notification (⑦) from the financial institution and notifies the seller of the completion of the credit settlement according to the result (⑧).

The seller, who has been notified of the completion of the credit settlement, requests the broker to prepay the sales price (⑨). The intermediary, which has received the request for advance payment, requests the financial institution to prepay the sale price.

Before requesting payment, the broker's purchase cash settlement system shall calculate the payment fee and system fee and notify the financial institution along with the payment request. If necessary, the selling company may make a payment request (⑨) directly to the financial institution. When the selling company makes a payment request (⑨) directly to the financial institution, the financial institution must notify the broker, and the purchase cash settlement system of the brokerage company calculates the payment fee and the system fee. You must inform the financial institution.

A financial institution that receives a prepayment request from an intermediary company deducts and pays the commission from the sales price to the selling company. In this case, the payment fee is generally the same as the prepayment fee for payment using a conventional purchase card, but may be more or less than the prepayment fee in some cases.

Since the financial institution has prepaid the payment amount by credit to the purchasing company, the system fee, which is the amount remaining after deducting the financial fee from the payment fee, is paid to the brokerage company. If the financial fee to be deducted is the same as the payment fee, there is no system fee to be paid to the intermediary.

The intermediary company pays the purchaser the purchaser's compensation fee determined by the contents of the purchase cash card transaction contract (③) concluded between the purchaser and the seller and a predetermined usage fee. The purchaser pays the amount paid by credit using the purchase cash card to the financial institution after a predetermined period of time determined when the financial institution acquires the credit.

6, in the present invention, the purchase cash payment system of the brokerage company of FIG. 5 is installed in a financial institution, and the transaction between companies is settled in cash using a purchase cash card using the purchase cash payment system of the financial institution. Conceptual diagram according to how to.

The payment procedure of the method of paying the transactions between companies by credit using the purchase cash card using the purchase cash settlement system of the financial institution of FIG. 6, the purchaser is registered as a member of the purchase cash settlement system with the financial institution (①. The sales company subscribes to the financial institution as an affiliate of the purchase cash settlement system (②). The purchaser and seller must conclude a purchase cash card transaction contract (③), which is necessary to settle the transaction using the purchaser's purchase cash settlement system of the financial institution, and notify the result of the purchaser's purchase cash settlement system. . A product sale ④ is performed between the purchasing company and the selling company.

The purchaser of FIG. 6 may designate one or more accounts of a financial institution necessary for cash deposit to settle the purchase price when joining the financial institution as a member of the purchase cash settlement system (1). In case of a purchasing company that has already registered as a member, the procedure for registering as a member (①) is omitted.

The selling company may designate one or more accounts of the financial institution necessary to receive the payout when joining the financial institution as an affiliate of the purchase cash settlement system. If the company is already a merchant, the procedure for joining a merchant (②) is omitted.

The purchasing company requests the financial institution to pay the purchase price (⑤) by using the purchase cash card of the present invention.

A financial institution that is requested to pay the purchase price (5) by credit using a purchase cash card may configure the purchase cash settlement system to notify the selling company that the buying company has paid with the purchase cash card, if necessary.

The financial institution, which has been requested to pay for the purchase price (⑤) by credit using the purchase cash card from the purchasing company, notifies the selling company that the preparation for payment of the sale price is completed (⑥). In accordance with a method of implementing a purchase cash settlement system of a financial institution, the settlement preparation completion notification ⑥ may be omitted.

A seller who has received notice of completion of settlement (⑥) requests the financial institution to pay some or all of the payment in advance (⑦) when funds are needed. The financial institution receiving the prepayment request (⑦) from the selling company deducts the above payment fee from the selling price requested by the selling company and makes the payment (⑧).

After the financial institution pays the settlement amount to the selling entity (⑧), the financial institution pays the purchasing entity compensation fee determined by the contents of the purchase cash card transaction agreement (③) concluded between the purchasing entity and the selling entity and a predetermined usage fee. (⑨)

The purchaser pays the amount paid by credit using the purchase cash card to the financial institution after a prescribed period of time determined when the financial institution acquires the credit.

As shown in Figures 5 and 6, the method of payment between companies using the purchase cash card with the credit of the present invention, the selling company pays a payment fee equal to or slightly higher than the prepayment fee according to the normal purchase card payment. The same or slight loss may occur. If the selling company uses the purchase cash card when purchasing the material / raw material of the goods sold in the above transaction, it can be received as the purchaser's compensation fee, thereby reducing the fee loss or more profit than the loss. Advantageous than the purchase card of Figure 5, the financial institution of Figure 5 can receive the financial fees and server fees in payment fees, so it can generate the same or more revenue than the conventional purchase card, financial institutions in Figure 6 Fees, server fees and system fees can be received, so that it can generate the same or more revenue as a conventional purchase card. The brokerage company of Figure 5 may generate a predetermined profit from the system fee, and the purchaser used the purchase cash card in the same manner as the existing purchase card, but the purchaser's compensation fee is paid to the existing purchase card system, It is a system that benefits more than credit-backed loans and network loans.

In the purchase cash settlement system of FIGS. 5 and 6, the purchase cash settlement system is described by linking the purchase cash settlement system to a series of settlement methods such as purchase card, credit loan secured loan, network loan, etc. . However, the portion of the purchaser's credit shown in FIGS. 5 and 6 used to settle the transaction between the purchasing company and the selling company is more than the amount of cash that can be settled using the purchaser's credit and a certain amount of cash. You can also make it available. If you have a very good credit, you can use a minimum amount of cash to pay for the contract. As a result, it is possible to use cash and the resulting credit as a purchase fund by using a purchase cash payment system separately from the existing payment method by credit. An example of this is as follows.

(Case 1)

If purchasing company A is a large company with good credit,

Provide 1000 times of cash deposited in the designated account of Buying Company A for purchase. Explain that the limit is limited to a maximum of 500 billion won. If there is 100 million won in cash that can be used for purchase money in the designated account of purchasing company A, the amount equivalent to 100 billion won can be settled as the purchase price. At this time, the purchasing company A may use its cash balance as a purchase price, or may use the provided amount as a purchase price instead of its own cash balance. If the user pays the purchase price using his cash balance, the cash balance is reduced, so that the future payment amount is also reduced.

(Case 2)

If the purchasing company B is a low credit company,

Purchasing Company B can make use of the amount deposited in his or her deposit balance as purchasing money if he / she provides one-times of the cash deposited in the purchasing company B's designated account.

As can be seen in Cases 1 and 2 above, depending on the creditworthiness of the purchase gear, it is possible to utilize the cash balance or more in the designated account as purchase funds and, if necessary, cash, credit, or cash + credit. It can be used to pay for goods.

7 is a block diagram of a purchase cash settlement system according to the present invention.

The purchase cash settlement system of FIG. 7 may be installed in an intermediary company as shown in FIGS. 2 and 5, or may be installed in a financial institution as shown in FIGS. 3 and 6. The purchase cash settlement system may be set up independently of financial institutions and brokerage firms. In this case, an independent purchasing cash payment system is connected to a financial institution or an intermediary through a network (eg, the Internet, leased lines, etc.).

A financial institution means a server of a financial institution or an account of a financial institution that is connected to a network through a computer network of the financial institution. The purchase cash payment system

Purchasing cash payment system, Member DB, Merchant DB, Payment DB, Log DB, Transaction payment module, Payment notification module, Payment request module, Commission settlement module, Commission transmission and reception module, Risk management module, Access control module, Flow control module It includes.

Member DB refers to a database that organizes / manages the information necessary for the purchaser to join the purchase cash payment system as a member. Purchasing cash card is issued to the purchasing company registered as the member. The purchase cash card may be a physical card, or only a card number may be issued to make a payment using a public certificate on a network. As shown in FIG. 5, when a purchasing company needs credit to a financial institution, it needs to be separately approved by the financial institution.

Merchant DB means a database that organizes / manages the information necessary for the merchant to join the purchase cash payment system as a member. If necessary, any one company may be subscribed to both member DB and merchant DB.

Payment DB is a database that records payment-related information, and consists of fields such as payment amount, cash / credit status, payment date, payment request date, payment date, settlement date, system fee, payment fee, and purchaser compensation fee. The payment amount is the same as the sales amount or purchase amount, and the cash / credit status is recorded according to whether the member (purchasing company) of the member DB decides whether to make the payment in cash or credit. The payment date is the date of payment, the payment request date is the date when the merchant (seller) requested the payment of the sales price, the payment date is the date the payment was made to the merchant (sales company), and the settlement date is the purchaser (member). It is the date when the payment is made to the financial institution, the system fee is the fee using the purchase cash payment system, and the payment fee is when the selling company is paid for the selling price using the system of the present invention (that is, the buying company pays the purchase price). The amount of the fees paid is the sum of all fees paid, and the purchaser's compensation fee is the fee paid by the purchaser (member) to the purchasing company for the use of the purchaser's cash payment system.

The log DB refers to a database in which the purchase cash settlement system of the present invention organizes and stores all payment activities.

Transaction payment module is a module that handles the work that occurs when the purchasing company pays the purchase price. The transaction payment module displays a predetermined payment window on the terminal and allows the purchaser to input necessary information such as a purchase cash card number, payment amount, sales number, merchant information, member information, password, official certificate number, and security card number. In this case, the payment is made based on the information received. When payment is made by the transaction payment module, the information is stored in the payment DB. The information related to payment described in the claims of the present invention is information input by a purchasing company, the purchase cash card number, payment amount, sales number, merchant information, member information, password, authorized certificate number, and security card exemplified above. Number or the like.

The payment settlement notification module is a module for notifying the selling company or the financial institution that the payment has been made. The payment settlement module may not work as needed. The payment settlement module provides the seller with the payment amount, if necessary, after the purchaser has made a payment or after a predetermined time has elapsed. Notification is made by using predetermined communication means such as e-mail, text message, messenger and telephone.

The payment request module is a module for processing a request for payment of a selling price by a selling company. The payment request module displays a predetermined payment request window on the terminal, prompts the selling company to input necessary information such as merchant number, payment request amount, password, official certificate number, and security card number, and makes a payment request according to the received information. do. When the payment request is made to the server of the financial institution by the payment request module, the information is stored in the payment DB. The information requested by the payment request module will be notified to the financial institution and the purchasing company.

The commission settlement module calculates all commissions incurred by using the purchase cash settlement system, such as purchaser compensation, system fees, server fees, financial fees, and payment fees. The commission settlement module is a payment fee to be deducted when a financial institution sends a payment to a selling company, a financial fee to be provided to a financial institution if the purchase cash card is used by credit, and a cash purchase system in the case of a cash deposit. Calculate the purchaser's compensation fee to be provided to the company and notify the financial institution, purchasing company, sales company, and brokerage company.

When the system fee is received from a financial institution, the commission sending / receiving module checks the details of the deposit and, if the deposit includes the purchaser's compensation fee to be remitted to the purchaser, the purchaser's compensation fee is included in the account of the purchasing company or designated account Send the money to the company and notify the purchasing company by using certain communication tools such as e-mail, text message, messenger and telephone. The commission module also sends and notifies the fees that each financial institution, brokerage company, and sales company must provide. If necessary, the fee transmitting and receiving module may be manually operated.

8 is a flowchart of one embodiment according to the present invention.

Referring to Figure 8, the selling company sells to the buying company.

Distinguish whether the buying company or selling company is a member, and if necessary, the buying company and selling company join. After signing up for membership, the purchasing company and the selling company shall establish a purchase price settlement transaction agreement between the two institutions and notify the purchase cash settlement system in order to make payments between companies using the purchase cash payment system.

The purchase cash settlement system inquires whether the purchaser pays the purchase cash card by cash or credit. The cash check step may be performed after or before the purchase cash card payment step. However, the purchase cash card payment step and the cash check step are usually performed at the same time.

In the case of cash deposit in the cash check step, the purchaser deposits the cash amount in cash in the payment account or designated account of the financial institution designated at the time of membership registration (cash deposit step). When the cash is received, the financial institution notifies the purchase cash settlement system of the cash deposit result (cash deposit result notification step), and the purchase cash settlement system notifies the selling company that the payment preparation is completed (payment preparation completion notification step). The cash deposit result notification step and the payment preparation completion notification step may be omitted.

If the buyer has not been notified of the result of the cash deposit for a fixed period of time, or if the cash has been deposited at a lower level than the payment amount at the cash deposit result notification stage, or the purchase cash settlement system has been notified by the financial institution of the purchase, the purchase cash settlement system is notified. The cash settlement system notifies the purchasing company of the cash deposit of the settlement price, and notifies the selling company that the settlement of the settlement amount has failed if the deposit is not completed within the predetermined period. Notification to the purchasing company and notification to the selling company may be omitted.

If the settlement preparation completion notification step is successfully performed, the selling entity requests the payment of the sales payment to the purchase cash settlement system, in part or in whole, when the funds are needed (payment request step). Upon receipt of payment request from the seller, the purchase cash settlement system requests a payment request from a financial institution (payment request stage).

The designated account cash payment step to the payment request step 2 is executed only when the purchaser pays the purchase price in cash using the purchase cash card.

If the purchaser chooses to perform the purchase payment with credit in the cash check step, the designated cash payment step from the payment request step is omitted, and the purchase cash settlement system notifies the financial institution of the credit settlement (credit). Payment notification step).

In accordance with the credit settlement notification stage, the financial institution investigates the credit limit of the purchasing company and notifies the purchase cash settlement system of the purchaser's credit limit system. The purchase cash settlement system notifies the selling enterprise that the preparation for payment of the selling price is completed by the purchasing company's credit settlement (credit preparation completion notification stage).

The selling company requests a prepayment to the purchase cash settlement system when the prepayment of the selling price is required according to the result of the completion of the credit settlement preparation notification (prepayment request step). The prepayment request phase may be directly commissioned by the selling company to a financial institution. Upon receipt of the prepayment request from the seller, the purchase cash settlement system requests a prepayment from the financial institution (prepayment request stage).

The credit settlement notification step to the prepayment request step is executed when the purchasing company decides to pay the purchase price using the purchase cash card with credit.

When the payment request step or the advance payment request step is completed, the financial institution deducts the payment fee from the payment price and pays the remaining amount to the selling company (payment step after the payment fee deduction). After the payment fee is deducted, the financial institution that has passed the payment step calculates and pays the system fee to the institution (financial institution or brokerage company) where the purchase cash settlement system is installed (system fee payment step). The institution (financial institution or intermediary) in which the purchase cash payment system is provided with the system fee is calculated and paid to the purchasing company (purchasing company compensation fee).

The system fee payment step and the purchaser company compensation payment step may be performed in a reversed order, and may be performed simultaneously in some cases.

When the purchase enterprise compensation payment step is completed, in the payment of the transaction between companies using the purchase cash settlement system of the present invention, in the case of the method using cash deposit, all payment procedures are completed. However, the method of using credit is completed when the purchasing company deposits the cash corresponding to the payment amount in the credit account (credit account cash payment stage) before the contract period between the purchasing company and the financial institution ends.

On the other hand, the present invention is not limited only to the above-described embodiment, but can be modified and modified within the scope not departing from the gist of the present invention, the technical idea to which such modifications and variations are also applied to the claims Must see

By introducing the purchase cash card payment system of the present invention as described above, in the case of a financial institution, it is possible to establish a cash settlement between the purchasing company and the selling company and increase the profit of the server fee generated therefrom.

In addition, a cash purchase company uses a purchase cash card as a credit and pays cash at a low interest rate financial institution, rather than using a system of the present invention to pay in cash using a system that is higher than the interest income guaranteed by a financial institution. Since the company receives a corporate compensation fee of profit, it is effective to activate the purchase settlement using cash.

In addition, through the present invention, in the case of a purchaser who could not use the purchase cash card because there was no credit or credit of the financial sector, the purchaser's compensation fee, which is part of the payment fee paid by the selling company, was returned by paying the purchase price in cash instead of generating a profit. Since it is possible to obtain a purchase company using the system of the present invention has the effect that can enjoy the benefits corresponding to interest income through cash settlement.

In addition, through the present invention, the selling company has the effect of paying a lower payment fee and receiving the cash payment in cash than receiving a paper discount in order to secure a stable cash.

Therefore, by using the purchase cash card of the present invention, it is possible to achieve the above-described effect that a financial institution, a purchasing company, a selling company can achieve smooth inter-company cash settlement can be activated. In addition, this has the effect of correcting the direct damage of paper.

Claims (18)

As a method of payment for goods transaction between a purchasing company and a selling company in a purchase cash payment system, Receiving payment request information for a part or all of the payment from the sales company before the payment due date; Calculating a payment fee based on the time elapsed since the purchase company paid the purchase price and the amount of the payment request; And Remitting the payment amount deducting the calculated payment fee from the payment request to the sales company, and remitting the purchaser compensation fee to the purchaser based on the deducted payment fee. Characterized in that the purchase cash payment method. The method according to claim 1, The purchase cash payment method characterized in that it further comprises the step of preventing the purchaser withdraws from the amount of money entered into the designated account of the purchasing company paid by the purchasing company. The method according to claim 1, And depositing the purchase price after the withdrawal of the purchase price paid by the purchasing company from the amount charged in the designated account of the purchasing company. The method according to claim 1, And providing a credit so that the purchaser can utilize more than the amount deposited in the designated account as the purchase amount according to the credit or collateral of the purchaser and the amount deposited in the designated account. Payment method for purchase cash. The method according to claim 4, The purchaser pays for the purchase cash, characterized in that for selecting the payment of the payment method of the cash, credit, cash and credits deposited in the designated account. A purchase cash payment system installed in an intermediary company, a terminal of a purchasing company and a selling company that can be connected to the purchase cash settlement system of the intermediary company through a network, and a terminal of the purchasing cash payment system and a terminal of the buying company and the selling company through the network A purchase cash payment method in a system including a computer system of a connected financial institution, A payment step of the purchaser company paying the purchase price by accessing the purchase cash payment system through a terminal and a network; A cash depositing step in which the purchasing company accesses the computer system of the financial institution through a terminal and a network, and deposits a payment amount in cash in a purchase settlement account of the financial institution designated at the time of membership registration; A payout request step of requesting the purchaser's cash payment system to allow the sales company to access the purchaser's cash payment system through a terminal and a network to pay a part or all of the sales price at a desired time; A payout request step in which the purchase cash payment system requests payment to the financial institution for the sale price requested by the selling company; A remittance step of the remittance of the payment fee deducted by the financial institution to the sales settlement account of the corresponding selling company designated at the time of joining the merchant; A payment fee settlement step in which the financial institution pays all or part of the payment fee as a system fee to the purchase cash settlement system; And And a system fee settlement step in which the purchase cash settlement system provides a part of the system fee received to the purchaser as a purchaser's compensation fee. The method according to claim 6, In the payment payment request step, the purchase cash settlement system calculates the payment commission and system fees and pays the purchase cash payment method, characterized in that delivered to the financial institution with the payment request. The method according to claim 6, When the purchaser pays the purchase price by cash deposit, if the purchaser deposits the purchase price in the designated account before the payment request of the selling company, the financial institution purchases cash of the brokerage company. And notifying the settlement system of the result, and the purchase cash settlement system of the intermediary company notifies the terminal of the selling company of the result. As a method of payment for goods transaction between a purchasing company and a selling company in a purchase cash payment system, Purchasing cash payment method, characterized in that for paying the purchase price paid by the purchasing company to the purchasing company. As a method of payment for goods transaction between a purchasing company and a selling company in a purchase cash payment system, When providing the selling price to the selling company that has contracted the use transaction agreement with the purchasing company through the purchase cash settlement system, the payment fee including the purchasing company compensation fee to be provided to the purchasing company is provided by deducting from the selling price. Purchase cash payment method characterized in that. As a system to settle payments for goods transactions between a purchasing company and a selling company, Receiving unit for receiving payment request information for some or all of the payment from the sales company before the payment due date; And The payment fee is calculated based on the time elapsed from the time when the purchasing company pays the purchase price and the amount of the payment request, and the payment amount deducted from the payment fee is deducted from the payment request. And a fee settlement processing unit for remitting the remittance to the purchaser based on the deducted payment fee. As a system to settle payments for goods transactions between a purchasing company and a selling company, A database for storing information on purchasers and sellers registered as members and information related to transactions between the buyers and sellers; A payment unit for making a payment based on information related to payment from the purchasing company and storing the information in the database; A payment request unit which receives payment request information for a part or all of the payment from the selling company, requests payment to a server of a financial institution, and stores the information in the database before the payment is due; And The payment fee is calculated based on the time elapsed from the time when the purchasing company pays the purchase price and the amount of the payment request, and the payment amount deducted from the payment fee is deducted from the payment request. And a fee settlement processing unit for remitting the remittance to the purchaser based on the deducted payment fee. The method according to claim 12, And the payment unit prevents the purchaser from withdrawing money from the amount paid in the designated account of the purchaser. The method according to claim 12, And the payment unit deposits the purchase price after the withdrawal of the purchase price paid by the purchasing company from the amount charged in the designated account of the corresponding purchase company. The method according to claim 12, The payment unit provides a credit so that the purchaser can utilize more than the amount deposited in the designated account as the purchase amount according to the credit or collateral of the purchaser and the amount deposited in the designated account. Payment system. The method according to claim 15, The payment unit purchase cash payment system, characterized in that the payment by any one of the method of payment by combining the cash, credit, cash and credit credited to the designated account as the purchase payment. As a system to settle payments for goods transactions between a purchasing company and a selling company, A payment unit that pays the purchase price according to the purchase price payment request of the purchasing company; And And a payment settlement processing unit for paying the purchaser's compensation fee to the purchasing company in accordance with the purchase price. As a system to settle payments for goods transactions between a purchasing company and a selling company, Receiving unit for receiving information on the payment request from the selling company concluded a transaction contract with the purchasing company; And A payment settlement processing unit comprising a commission settlement processing unit subtracting and providing a payment fee including a purchaser compensation fee to be provided to the purchaser based on the received payment payment request information from the payment request; system.

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