KR20090002096A - System and method for supporting business loan classified by visible trade step and program recording medium - Google Patents

Abstract

A company loan supporting method, a system and a recording medium therefor in accordance with each trade transactional step are provided to apply stepwise loan supporting conditions, thereby providing stepwise loan support to a target company. A loan support server matches stepwise trade transactional status information of a target company with trade transactional status information of an opposite company to compare and verify two pieces of information(655). Stepwise loan support condition information of the target company is extracted or generated by using the compared and verified stepwise trade transactional status information of the target company(665). Stepwise loan support is provided to the target company by applying the extracted or generated stepwise loan support conditions(670).

Description

System and Method for Supporting Business Loan Classified by Visible Trade Step and Program Recording Medium}

1 is a diagram illustrating an information registration system for registering trade transaction status information corresponding to a predetermined trade transaction contract according to an exemplary embodiment of the present invention.

2 is a diagram illustrating a process of registering trade transaction status information corresponding to a trade transaction contract according to one embodiment of the present invention.

3 is a diagram illustrating an information registration system for registering trade transaction status information corresponding to a predetermined trade transaction contract according to an exemplary embodiment of the present invention.

4 is a diagram illustrating a process of registering trade transaction status information corresponding to a trade transaction contract according to one embodiment of the present invention.

5 is a diagram illustrating a loan support system for loan support based on trade transaction status information according to an exemplary embodiment of the present invention.

6 is a diagram illustrating a loan support process based on trade transaction status information according to an embodiment of the present invention.

7 is a diagram illustrating a loan support system for loan support based on trade transaction status information according to one embodiment of the present invention.

8 is a diagram illustrating a loan support process based on trade transaction status information according to another exemplary embodiment of the present invention.

9 is a diagram showing a loan support system for loan support based on trade transaction status information according to another embodiment of the present invention.

10 is a view showing a loan support process based on trade transaction status information according to another embodiment of the present invention.

11 is a diagram illustrating a loan support system for loan support based on trade transaction status information according to another exemplary embodiment of the present invention.

12 is a diagram illustrating a loan support process based on trade transaction status information according to another exemplary embodiment of the present invention.

<Description of main parts of drawing>

500: loan support server 505: interface unit

510: interface providing unit 515: information receiving unit

520: Validation unit 525: Status information request unit

530: status information receiving unit 535: comparison / verification unit

540: extraction / generation unit 545: loan support unit

550: storage medium

The present invention compares / verifies the trade transaction status information comparing / verifying the verification status by matching and verifying the step-by-step trade transaction status information of the target company for loan support in the loan support server and the trade transaction status information of the company of the trading partner country, and the loan. Step-by-step loan support conditions for extracting or generating step-by-step loan support conditions-loan amount, loan period, etc.-information of the loan support target company by using the comparison / verification of the loan support target company compared / verified by the support server And a loan support condition transfer step of transmitting the loan support condition information of the extracted / generated step and the loan support condition information extracted or generated by the loan support server to the loan support target company.

Recently, Korean companies are trying to achieve global business in various ways. However, compared to the global business efforts of each company, domestic financial services do not meet the world-class financial services.

Therefore, domestic financial institutions need to provide a variety of convenient financial services such as account management, liquidity management, payment and settlement accompanying armed forces, through domestic and overseas funds of global companies through networks including partner banks around the world. It is time to look for services that can help customers (businesses) strengthen their external competitiveness in international transactions.

On the other hand, trading companies are procuring loans for financial transactions through financial institutions. Not only do the documents required for loans are cumbersome, but also in order to receive loans at each stage of the value chain, they need funds at each stage. It was a hassle to apply for a loan in anticipation of the loan.

An object of the present invention for solving the above problems, the comparison and verification of the trade transaction status information to compare and verify the step-by-step trade transaction status information of the loan support target company and the trade transaction status information of the company of the trading partner country of the company Means for extracting or generating loan support conditions for extracting or generating information on stages of loan support conditions-loan amount, loan period, etc. of the loan support target company, by using the means and the trade transaction status information of the compared / verified loan support target companies. Loan for transferring the generation means and the extracted or generated step-by-step loan support information to the loan support company, or providing step-by-step loan support to the loan support company by applying the extracted or generated step-by-step loan support condition. A trade transaction comprising a support processing means It is a step-by-step support system to provide business loans.

In accordance with the present invention, a trade transaction step-by-step corporate loan support method is a trade transaction in which a loan support server compares and verifies a step-by-step trade transaction status information of a target company and a trade transaction status information of a company of a trading partner country. Status information comparison / verification step and using the step-by-step trade transaction status information of the loan support target company in the loan support server, step by step loan support conditions of the loan support target companies-loan amount, loan period, etc. Loan support condition step by step of extracting or generating information and the loan support processing step of providing step-by-step loan support to the loan support company by applying the step-by-step loan support conditions extracted or generated from the loan support server; Characterized in that made.

On the other hand, according to the present invention, the company's loan support method for each trade transaction, the loan support server compares and verifies by comparing the step-by-step trade transaction status information of the company supporting the loan and the step-by-step trade transaction information of the trading partner company of the company Trade transaction status information comparison / verification step, and using the step-by-step trade transaction status information of the loan support target company in the loan support server, loan support conditions for each of the loan support target companies-loan amount, loan period Step-by-step loan support condition extraction / generation step of extracting or generating information, etc. and the loan support condition transfer step of transmitting the stepped loan support condition information extracted or generated by the loan support server to the loan support target company; It is characterized by.

On the other hand, according to the present invention, the comparison / verification step of the trade transaction status information, after receiving the trade transaction status information of the company of the trading partner country of the company through the Swift full text in the loan support server, the received Swift full text Extracting step-by-step trade transaction status information of a company of a trading partner country of the company or interworking with a relay server that stores and manages step-by-step trade transaction status information of a company of a trading partner country of the company in the loan support server; By the step, the step of confirming the status information of the trading transaction of the company of the trading partner country of the enterprise characterized in that it further comprises.

On the other hand, the present invention includes a computer-readable recording medium, characterized in that for recording the program for executing the above-described enterprise loan support method for each trade transaction.

On the other hand, the company's loan support system for each trade transaction according to the present invention, the trade transaction status information for matching and verifying the step-by-step trade transaction status information of the company subject to the loan support and the trade transaction status information of the company of the trading partner country of the company A loan that extracts or generates information on stage loan support conditions-loan amount, loan period, etc. of the loan support target company by using comparison / verification means and information on trade transactions for each stage of the loan support target company. Transfer the support condition extraction / generation means and the extracted or generated step-by-step loan support condition information to the loan support company, or apply the step-by-step loan support condition to the loan support company by applying the extracted or generated step-by-step loan support condition. It comprises a loan support processing means provided.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be made based on the contents throughout the present invention.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a diagram illustrating an information registration system for registering trade transaction status information corresponding to a predetermined trade transaction contract according to an embodiment of the present invention.

In more detail, Figure 1 shows a trade transaction status information corresponding to the trade transaction contract by the information registration system through a predetermined information registration interface for a trade transaction enterprise customer who has entered into a predetermined trade transaction contract with a given trading partner company. In order to provide trade transaction status information including at least one trade transaction corporate customer information and trade transaction contract information, the trade transaction corporate customer information and trade transaction contract included in the provided trade transaction status information in the information registration system. As a system configuration for linking and storing information in a predetermined storage medium 130, a person having ordinary knowledge in the art to which the present invention pertains refers to or modifyes a trade transaction contract by referring to FIG. Various implementation methods can be inferred for the construction of the information registration system for registering trade transaction status information. However, the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Hereinafter, at least one means or function configuration for storing the trade transaction status information provided from the trade transaction enterprise customer on the storage medium 130 through a predetermined information registration interface on the information registration system shown in FIG. The corresponding component is called " information registration server 100 " for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, an information registration system for registering trade transaction status information corresponding to a trade transaction contract includes at least one wired terminal or a wireless terminal used by a trade transaction enterprise customer. And an information registration terminal including at least one client terminal or the like, wherein the information registration terminal has a communication channel with the information registration server 100 provided on the information registration system through a predetermined network means. Connected.

According to an embodiment of the present invention, the trade transaction enterprise customer is connected to the information registration server 100 through at least one or more client terminals of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network and When the trade transaction status information for registering the trade transaction status information corresponding to the trade transaction contract is input (or selected) through at least one user interface provided by the information registration server 100, the client terminal may select a predetermined number. It is preferable to transmit to the information registration server 100 provided on the information registration system through a network means.

In addition, although the embodiment shown in FIG. 1 includes a trade transaction contract as the trade transaction status information, this is to indicate that the trade transaction phase of the trade transaction enterprise customer is a post-trade transaction phase. The trade transaction status information may be variously presented in response to a trade transaction stage of a trading enterprise customer.

For example, if the trade transaction step of the trade customer company includes a shipping step, the trade transaction status information is preferably configured to include the shipment-related information.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and may include a desktop computer or a notebook computer connected to the TCP / IP based communication network. Notebook, or a home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP-based communication network, or a kiosk (KIOSK) connected to the TCP / IP-based communication network. desirable.

In addition, the wireless terminal connected to the wireless communication network is any terminal device connected to a mobile communication network based on CDMA (Code Division Multiple Access), or all terminal devices connected to the portable Internet based on IEEE 802.16x, Motorola's DataTAC method or Erricson's Mobitex A generic term for all terminal devices connected to a wireless data communication network, which is a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or a Personal Digital Cellular terminal connected to the CDMA-based mobile communication network. A PDC or PHS (Personal Handyphone System) terminal or a Personal Digital Assistant (PDA) or a smart phone or telematics, or a portable Internet terminal connected to the IEEE 802.16x based mobile Internet, or Wireless connected to the DataTAC / Mobitex based wireless data communication network It comprises a data communication terminal, such as at least one is preferable.

In addition, the information registration server 100 connected to the client terminal may be any one of an Internet banking server, a wireless banking server, a tele banking server, a TV banking server, or the information registration according to the characteristics of the client terminal and network means. It is preferable to include a separate web server for.

The network means for connecting the client terminal and the information registration server 100 may be a CDMA based mobile communication network or an IEEE 802.16x based mobile Internet or a DataTAC / Mobitex based wireless device, depending on the type of wireless communication network to which the client terminal is connected. It is preferable that any one of the data communication networks or the wireless communication network of all kinds proposed in the future including a predetermined wireless interval is included.

In addition, the client terminal outputs at least one or more user interfaces provided by the information registration server 100, inputs or selects at least one or more information through the user interface, and transmits the information to the information registration server 100. It is preferable that a function configuration (e.g., a browser program and a communication function, or a predetermined communication program and communication function to communicate with the information registration server 100, etc.) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired terminals or wireless terminals, and thus a detailed description thereof is omitted for convenience.

In the information registration system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the trade transaction enterprise customer, and at least one wired communication network connecting the client terminal and the information registration server 100. Alternatively, the wireless communication network performs a function of an information registration interface for registering the trade transaction status information corresponding to the trade transaction enterprise customer.

According to another exemplary embodiment of the present invention, the information registration terminal uses a predetermined call terminal (not shown) connected to a wired telephone network such as a public switched telephone network (PSTN) or a voice over IP (VoIP) network. It further comprises, or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, wireless VoIP network, or a terminal provided in at least one or more institutions affiliated with the financial institution ( Or a server) (not shown), by which the present invention is not limited.

In the information registration system as described above, when the information registration terminal is the call terminal (not shown), the call terminal (not shown), the call terminal (not shown) and the information registration server ( A wired telephone network or a wireless telephone network connecting 100) performs a function of an information registration interface for registering the trade transaction status information corresponding to the trade transaction contract by the trade enterprise company, or the financial institution that is the information registration terminal. In the case of a terminal (or server) (not shown) provided in an institution affiliated with the company, the terminal (or server) (not shown) and the terminal (or server) (not shown) are connected to the information registration server 100. The network performs a function of an information registration interface for registering the trade transaction status information corresponding to the trade transaction enterprise customer.

The storage medium 130 provided on the information registration system according to the present invention performs a predetermined process by integrating the trade transaction company customer information and trade transaction contract information included in the trade transaction status information provided from the information registration terminal. Characterized in the storage medium 130, the trade transaction status information including at least one or more of the trade transaction enterprise customer information, trade transaction contract information stored in the storage medium 130 to register the trade transaction contract information To be used.

The trade transaction corporate customer information is unique information (eg, company name, business registration number (or business registration number) of a trade transaction enterprise customer who has entered into a predetermined trade transaction agreement with a predetermined trading transaction partner company. Unique code)), a corporate registration number (or a unique number (or code) corresponding to a corporate registration number), a representative, an address, a telephone number, a mobile phone number, an e-mail address, etc.), and the member information of the customer (e.g., the customer Member ID information provided in a predetermined storage medium 130 associated with the information registration system in response to the trade transaction corporate customer by joining as a member of the trade transaction status information registration authority), the trade transaction corporate customer It is preferable to include at least one or more account information (for example, account opening institution, account number, etc.) corresponding to the financial account opened in the name.

The trade transaction contract information includes the trade name of the trading partner country, the address of the trading partner country, the contact number of the trading partner country, the trading partner country of the trading company, the trading account of the trading partner country, the trade account of the trading partner, the specification of the trade target. Preferably, the transaction transaction amount, trade transaction currency, and trade transaction schedule are included.

According to an embodiment of the present invention, the storage medium 130 is preferably provided in a DBMS provided on the information registration system (or associated with the information registration system), whereby the present invention is not limited thereto. .

The information registration server 100 provided on the information registration system according to the present invention is a generic term for the components of the information registration system side connected to the information registration terminal through a predetermined network means, and includes at least one server (or apparatus). ), Or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to an embodiment of the present invention, the information registration server 100 is characterized in that it comprises an interface unit 105 for connecting and managing a predetermined communication channel with the information registration terminal through the network means.

According to an exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 105 is based on a protocol stack defined in the wired communication network or a wireless communication network. By connecting the predetermined communication channel with the client terminal, it is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the communication program provided in the client terminal.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 105 connects a communication channel with the client terminal based on the TCP / IP protocol, Provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or information using the HTTP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the information registration server 100, the interface unit 105 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 105 is based on the protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with a client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 105 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, IC chip-based banking program) provided by the information registration server 100, the interface unit 105 is based on the CDMA protocol with the client terminal. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, if the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 105 is a voice call defined in the wired telephone network or a wireless telephone network. It is preferable to connect a communication terminal (not shown) with a predetermined communication path based on a protocol, and provide a communication interface for transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 105 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

Referring to FIG. 1, the information registration server 100 connects a communication channel with the information registration server 100 through the interface unit 105 after a predetermined information registration terminal is connected to the interface unit 105. An interface providing unit 110 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined trade transaction status information from the information registration terminal to the information registration terminal; An information receiving unit 115 which receives predetermined trade transaction status information transmitted from the information registration terminal through the user interface in connection with the interface unit 105 and the received trade transaction status information; Comprising the trade transaction company customer information, trade transaction contract information contained in the information storage unit 125 for storing in a predetermined storage medium 130 to be made It is characterized by.

The interface provider 110 connects a communication channel with the information registration server 100 through the interface unit 105 through a predetermined information registration terminal, and corresponds to the functional configuration provided in the information registration terminal. Generate a predetermined user interface capable of inputting (or selecting) trade transaction status information to the information registration server 100 through the network means, or extracting from a predetermined database (not shown), and extracting the interface unit. And the user interface generated (or extracted) in connection with 105 to the information registration terminal through the network means.

Thereafter, the information registration terminal inputs (or selects) trade transaction status information including at least one of the trade transaction corporate customer information and trade transaction contract information based on the user interface, and the input (or selected) trade. The transaction status information is transmitted to the information registration server 100 through the network means.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired communication network or a wireless communication network, the interface providing unit 110 is provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided as a browser program or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 105.

According to another embodiment of the present invention, if the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 110 is a browser program or communication provided in the client terminal It is preferable to generate (or extract) a predetermined user interface that can be provided by a program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 105.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 110 may be provided to the call terminal (not shown). Creating (or extracting) a predetermined user interface and providing the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 105. desirable.

According to another embodiment of the present invention, a predetermined device having at least one user interface for inputting (or selecting) the trade transaction status information to the information registration terminal and transmitting the trade transaction status information to the information registration server 100 through the network means. When the information registration program is provided, the interface providing unit 110 for providing the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

The information receiving unit 115 inputs (or selects) trade transaction status information including at least one of trade transaction corporate customer information and trade transaction contract information through the user interface at the information registration terminal and transmits the information through the network means. Then, the trade transaction status information is received in conjunction with the interface unit 105, and provides the received trade transaction status information to the validity check unit 120.

The validity confirming unit 120 checks whether the trade transaction status information received from the information registration terminal satisfies the validity for registering the trade transaction status information corresponding to the trade transaction contract.

According to the method of the present invention, at least one or more member information matching the trade transaction status information is registered in the member information D / B on the DBMS associated with the information registration system. It is preferable to include checking whether there is.

For example, the validity check of the trade transaction status information registration confirms whether the trade transaction corporate customer information included in the trade transaction status information matches the member information stored in the member information D / B on the DBMS associated with the information registration system. It is preferable that it consists of including.

When the validity of the trade transaction status information registration is confirmed, the information storage unit 125 processes the trade transaction corporate customer information and trade transaction contract information included in the trade transaction status information to the storage medium 130. When the storage medium 130 is provided in the information registration server 100 or on the network associated with the information registration server 100, the information storage unit 125 Preferably, the storage medium 130 is stored in the storage medium 130 by linking and processing the trade transaction company customer information and the trade transaction agreement information included in the received trade transaction status information. When provided in the DBMS, the information storage unit 125 transfers the trade transaction corporate customer information and trade transaction contract information included in the received trade transaction status information into an information system through an external system on the financial system. It is desirable to provide and store in the DBMS provided on the financial system.

2 is a diagram illustrating a process of registering trade transaction status information corresponding to a trade transaction contract according to one embodiment of the present invention.

In more detail, FIG. 2 illustrates a case in which the information registration server 100 on the information registration system shown in FIG. 1 has a web server function to which a client terminal can be connected through a predetermined network means. After connecting to the information registration server 100 and connecting a communication channel for registering the trade transaction status information corresponding to the trade transaction contract according to the present invention, the trade transaction company to the information registration server 100 through the communication channel When the trade transaction status information including customer information and trade transaction contract information is transmitted, the transaction processing company customer information and trade transaction contract information included in the received trade transaction status information are processed in the information registration server 100. To a predetermined storage medium 130, and those skilled in the art to which the present invention pertains, Although various implementation methods for registering the trade transaction status information from the client terminal to the information registration server 100 may be inferred by referring to FIG. 2 or modified, the present invention includes all the implementation methods inferred. It is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 2, the client terminal illustrated in FIG. 1 is referred to as a “terminal” for convenience, and the information registration server 100 illustrated in FIG. 1 is referred to as a “server” for convenience and the information is registered in the client terminal. The trade transaction corporate customer information and trade transaction contract information transmitted to the server 100 is referred to as "trade transaction status information" for convenience.

Referring to Figure 2, the client terminal shown in Figure 1 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, when the client terminal is a wireless terminal, CDMA based mobile A predetermined communication channel for registering the trade transaction status information registration by accessing the server through a communication network or an IEEE 802.16x-based mobile Internet), and registering the trade transaction status information corresponding to the trade transaction contract. When requesting the trade transaction status information registration (200), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the trade transaction status information (205), and through the communication channel The generated (or extracted) web page is transmitted to the terminal and output (210).

According to an embodiment of the present invention, the information registration interface comprises a user interface for inputting (or selecting) trade transaction status information including at least one of the trade transaction corporate customer information and trade transaction contract information at the terminal. It is preferable.

In addition, the web page transmission or output process is preferably performed at least one or more times according to the trade transaction status information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) trade transaction status information including at least one trade transaction company customer information and trade transaction contract information through the information registration interface (215).

If the trade transaction status information including the trade transaction enterprise customer information and trade transaction contract information is input (or selected) through the information registration interface (220), the terminal receives the input through the communication channel ( Or the selected) trade transaction company customer information, trade transaction contract information is transmitted to the server (225).

According to an exemplary embodiment of the present invention, transmitting the input (or selected) trade transaction corporate customer information and trade transaction contract information to the server through the communication channel is input (or selected) through the information registration interface. The trade transaction status information may be made by transmitting the electronic signature or encryption through the security module provided in the terminal to the server.

Thereafter, the server receives and reads the trade transaction corporate customer information and trade transaction contract information through the communication channel to check the validity of the trade transaction status information (230).

According to the method of the present invention, confirming the validity of the trade transaction status information registration, if the trade transaction status information is electronically signed or encrypted through the security module provided in the terminal, the trade transaction status information Or may further include decoding the trade transaction status information.

According to an embodiment of the present invention, the validity of the trade transaction status information is whether at least one member information matching the trade transaction status information is registered in the member information D / B on the DBMS associated with the information registration system. It is preferable to include checking.

For example, the validation of the trade transaction status information may be performed to determine whether the trade transaction corporate customer information included in the trade transaction status information matches the member information stored in the member information D / B on the DBMS associated with the information registration system. It is preferable to include what is included.

If the validity of the trade transaction status information is not authenticated (235), the server generates a web page including predetermined information registration error information and transmits it to the terminal (240) and corresponds to the trade transaction status information. Do not perform the information registration procedure.

On the contrary, if the validity of the trade transaction status information is authenticated (235), the server performs an information registration procedure corresponding to the registration of the trade transaction status information, thereby linking and processing the trade transaction enterprise customer information and trade transaction contract information. The data is stored in the predetermined storage medium 130 (245).

According to an embodiment of the present invention, the storage medium 130 is preferably provided in a DBMS provided on the information registration system (or associated with the information registration system), whereby the present invention is not limited thereto. .

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (250), thereby completing the procedure of registering the trade transaction status information transmitted from the terminal.

3 is a diagram illustrating an information registration system for registering trade transaction status information corresponding to a predetermined trade transaction contract according to an embodiment of the present invention.

In more detail, Figure 3 shows the trade transaction status information corresponding to the trade transaction agreement with the information registration system through the predetermined information registration interface of the business partner of the trading partner country who has entered into the predetermined trade transaction agreement with the given trade transaction company. In order to provide the trade transaction status information including at least one trading partner country company customer information, trade transaction contract information for the trade transaction partner country corporate customer information, trade included in the provided trade transaction information in the information registration system As a system configuration for linking and processing transaction contract information in a predetermined storage medium 330, those of ordinary skill in the art to which the present invention pertains, refer to or modify this figure 3 to the trade transaction contract Various implementation methods for constructing an information registration system for registering corresponding trade transaction status information Would be able to infer, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 3.

Hereinafter, at least one means or functional configuration for storing the trade transaction status information provided from the trading partner country company customer through the predetermined information registration interface on the information registration system shown in FIG. 3 in the storage medium 330. The component corresponding to the "information registration server 300" is called for convenience.

Referring to FIG. 3 according to an embodiment of the present invention, an information registration system for registering trade transaction status information corresponding to the trade transaction contract includes at least one wired terminal or a wireless terminal used by a business customer of a trading partner country. And an information registration terminal including at least one client terminal or the like, wherein the information registration terminal communicates with an information registration server 300 provided on the information registration system through a predetermined network means. This is connected.

According to an exemplary embodiment of the present invention, the trading partner company customer is connected to the information registration server 300 through at least one client terminal of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network. And inputting (or selecting) trade transaction status information for registering trade transaction status information corresponding to the trade transaction contract through at least one user interface provided by the information registration server 300, the client terminal It is preferable to transmit to the information registration server 300 provided on the information registration system through the network means.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and a desktop computer or a notebook computer connected to the TCP / IP based communication network (Notebook). ), Or a home appliance terminal (eg, a set-top-box) connected to the TCP / IP based communication network, or a kiosk connected to the TCP / IP based communication network. Do.

In addition, the wireless terminal connected to the wireless communication network is any terminal device connected to a mobile communication network based on CDMA (Code Division Multiple Access), or all terminal devices connected to the portable Internet based on IEEE 802.16x, Motorola's DataTAC method or Erricson's Mobitex A generic term for all terminal devices connected to a wireless data communication network, which is a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or a Personal Digital Cellular terminal connected to the CDMA-based mobile communication network. A PDC or PHS (Personal Handyphone System) terminal or a Personal Digital Assistant (PDA) or a smart phone or telematics, or a portable Internet terminal connected to the IEEE 802.16x based mobile Internet, or Wireless connected to the DataTAC / Mobitex based wireless data communication network It comprises a data communication terminal, such as at least one is preferable.

In addition, the information registration server 300 connected to the client terminal may be either an internet banking server, a wireless banking server, a tele banking server, a TV banking server, or the information registration according to the characteristics of the client terminal and network means. It is preferable to include a separate web server for.

The network means for connecting the client terminal and the information registration server 300 may be a CDMA based mobile communication network or an IEEE 802.16x based mobile Internet or a DataTAC / Mobitex based wireless device, depending on the type of wireless communication network to which the client terminal is connected. It is preferable that any one of the data communication networks or the wireless communication network of all kinds proposed in the future including a predetermined wireless interval is included.

In addition, the client terminal outputs at least one or more user interfaces provided by the information registration server 300, and inputs or selects at least one or more information through the user interface to transmit to the information registration server 300. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the information registration server 300, etc.) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired terminals or wireless terminals, and thus a detailed description thereof is omitted for convenience.

In the information registration system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the enterprise customer of the trading partner country, and at least one wired connecting the client terminal and the information registration server 300. The communication network or the wireless communication network performs a function of an information registration interface for registering the trade transaction status information corresponding to the trade transaction contract by the corporate customer of the trading partner country.

According to another exemplary embodiment of the present invention, the information registration terminal uses a predetermined call terminal (not shown) connected to a wired telephone network such as a public switched telephone network (PSTN) or a voice over IP (VoIP) network. It further comprises, or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network, such as a mobile communication network, wireless VoIP network, or a terminal provided in at least one or more institutions affiliated with the financial institution (Or a server) (not shown) may be further included, whereby the present invention is not limited.

In the information registration system as described above, when the information registration terminal is the call terminal (not shown), the call terminal (not shown), the call terminal (not shown) and the information registration server ( The wired telephone network or the wireless telephone network connecting 300 performs a function of an information registration interface for registering the trade transaction status information corresponding to the trade transaction contract by the enterprise customer of the trading partner country, or the financial information that is the information registration terminal. In the case of a terminal (or server) (not shown) provided in an institution affiliated with an organization, the terminal (or server) (not shown) and the terminal (or server) (not shown) and the information registration server 300 The connecting network performs a function of an information registration interface for registering the trade transaction status information corresponding to the trade transaction contract by the corporate customer of the trading partner country. .

The storage medium 330 provided on the information registration system according to the present invention is predetermined by integrating and processing the trading partner country company customer information and trade transaction contract information included in the trade transaction status information provided from the information registration terminal. Characterized in that it is stored in the storage medium 330, the trade transaction status information including at least one of the trade transaction corporate customer information, trade transaction contract information stored in the storage medium 330 is the trade transaction information It is used for registration.

The trading partner company information is the unique information (for example, the company name, the business registration number (or the unique number corresponding to the business registration number) of the trading partner country customers that have entered into a predetermined trade transaction contract with a predetermined trading company Or a unique code)), a corporate registration number (or a unique number (or code) corresponding to a corporate registration number), a representative, an address, a telephone number, a mobile phone number, an e-mail address, etc., and the member information of the customer (for example, Member ID information provided in a predetermined storage medium 330 associated with the information registration system in response to a trade customer of the trading partner country by registering a customer as a member of the trade transaction status information registrar; And at least one account information (eg, account establishment institution, account number, etc.) corresponding to a financial account opened in the name of a corporate customer of the other country. Preferable.

The trade transaction contract information includes a trade transaction corporate customer name, a trade transaction enterprise customer address, a trade transaction enterprise customer contact information, a trade transaction enterprise customer transaction bank, a trade transaction enterprise customer transaction account, a specification of a trade transaction object, a trade transaction transaction amount, and a trade. It is preferable to include at least one transaction transaction currency, a trade transaction schedule.

According to one embodiment of the invention, the storage medium 330 is preferably provided in a DBMS provided on the information registration system (or associated with the information registration system), whereby the present invention is not limited. .

The information registration server 300 provided on the information registration system according to the present invention is a generic term for the components of the information registration system side connected to the information registration terminal through a predetermined network means, and includes at least one server (or apparatus). ), Or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to an embodiment of the present invention, the information registration server 300 is characterized in that it comprises an interface unit 305 for connecting and managing a predetermined communication channel with the information registration terminal through the network means.

According to an exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 305 is based on a protocol stack defined in the wired communication network or a wireless communication network. By connecting the predetermined communication channel with the client terminal, it is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the communication program provided in the client terminal.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 305 connects a communication channel with the client terminal based on the TCP / IP protocol. Provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or information using the HTTP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program provided by the information registration server 300 (eg, an internet banking program), the interface unit 305 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 305 is based on the protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with a client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 305 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the information registration server 300, the interface unit 305 is connected with the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 305 is a voice call defined in the wired telephone network or a wireless telephone network. It is preferable to connect a communication terminal (not shown) with a predetermined communication path based on a protocol, and provide a communication interface for transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 305 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

Referring to FIG. 3, the information registration server 300 connects a communication channel with the information registration server 300 through the interface unit 305 and then connects with the interface unit 305. An interface providing unit 310 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined trade transaction status information from the information registration terminal to the information registration terminal; An information receiving unit 315 for receiving predetermined trade transaction information inputted (or selected) and transmitted from the information registration terminal through the user interface in conjunction with the interface unit 305, and the received trade transaction information. It is provided with an information storage unit 325 for storing the information stored in a predetermined storage medium 330 by linking and processing the trading partner country company customer information, trade transaction contract information included And that is characterized.

The interface provider 310 connects a communication channel with the information registration server 300 through the interface unit 305 through a predetermined information registration terminal, and corresponds to the functional configuration provided in the information registration terminal. Generate a predetermined user interface capable of inputting (or selecting) trade transaction status information to the information registration server 300 through the network means, or extracting from a predetermined database (not shown), and the interface unit. In operation 305, the generated (or extracted) user interface may be provided to the information registration terminal through the network means.

Thereafter, the information registration terminal inputs (or selects) trade transaction status information including at least one of the trading partner country company customer information and trade transaction contract information based on the user interface, and the input (or selected) The trade transaction status information is transmitted to the information registration server 300 through the network means.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired communication network or a wireless communication network, the interface providing unit 310 is provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided as a browser program or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 305.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 310 is a browser program or communication provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 305.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired or wireless telephone network, the interface providing unit 310 may be provided to the call terminal (not shown). Generating (or extracting) a predetermined user interface and providing the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 305. desirable.

According to another embodiment of the present invention, the predetermined information having at least one user interface for inputting (or selecting) the trade transaction status information to the information registration terminal and transmitting the information to the information registration server 300 through the network means. When the information registration program is provided, the interface providing unit 310 for providing the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

The information receiving unit 315 inputs (or selects) trade transaction status information including at least one of trading partner country company customer information and trade transaction contract information through the user interface through the user interface through the network means. When transmitting, the trade transaction status information is received in connection with the interface unit 305, and the received trade transaction status information is provided to the validity check unit 320.

The validity confirming unit 320 checks whether the trade transaction status information received from the information registration terminal satisfies the validity for registering the trade transaction status information corresponding to the trade transaction contract.

According to the method of the present invention, at least one or more member information matching the trade transaction status information is registered in the member information D / B on the DBMS associated with the information registration system. It is preferable to include checking whether there is.

For example, checking the validity of the trade transaction status information registration is whether the trade customer information of the trading partner country included in the trade transaction status information matches the member information stored in the member information D / B on the DBMS associated with the information registration system. It is preferable to include checking.

When the validity of the registration of the trade transaction status information is confirmed, the information storage unit 325 performs a process of linking and processing the trade customer information of the trading partner country included in the trade transaction status information and the trade transaction contract information in the storage medium 330. And the storage medium 330 is provided in the information registration server 300 or on the network associated with the information registration server 300. Preferably, the data is stored in the storage medium 330 by linking and processing the trading partner company information and trade transaction contract information included in the received trade transaction status information, and the storage medium 330 is on the financial system. When provided in the provided DBMS, the information storage unit 325 is the trade transaction partner country customer information, trade transaction contract information included in the received trade transaction status information on the financial system Information provided to step through the outer space and is preferably stored in a DBMS provided on the financial system.

4 is a diagram illustrating a process of registering trade transaction status information corresponding to a trade transaction contract according to one embodiment of the present invention.

In more detail, FIG. 4 shows a case where the information registration server 300 on the information registration system shown in FIG. 3 has a web server function to which a client terminal can be connected through a predetermined network means. After connecting to the information registration server 300 and connecting the communication channel for registering the trade transaction status information corresponding to the trade transaction contract according to the present invention, the trading partner country to the information registration server 300 through the communication channel When the trade transaction status information including corporate customer information and trade transaction contract information is transmitted, the trading partner information of the trading partner country included in the received trade transaction status information from the information registration server 300 and the trade transaction contract information. As an embodiment of the present invention relates to a method of storing the data in a predetermined storage medium 330 by linkage processing. If you have, it will be able to infer various implementation methods for registering the trade transaction status information from the client terminal to the information registration server 300 by referring to or modifying this figure 4, the present invention is all inferred implementation It includes a method and is not limited to the embodiment shown in FIG.

Hereinafter, in FIG. 4, the client terminal illustrated in FIG. 3 is referred to as a “terminal” for convenience, and the information registration server 300 illustrated in FIG. 3 is referred to as a “server” for convenience and the information is registered in the client terminal. The trading partner country corporate customer information and trade transaction contract information transmitted to the server 300 is referred to as "trade transaction status information" for convenience.

Referring to Figure 4, the client terminal shown in Figure 3 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, when the client terminal is a wireless terminal, CDMA based mobile A predetermined communication channel for registering the trade transaction status information registration by accessing the server through a communication network or an IEEE 802.16x-based mobile Internet), and registering the trade transaction status information corresponding to the trade transaction contract. When requesting to register the trade transaction status information (400), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the trade transaction status information (405), and through the communication channel The generated (or extracted) web page is transmitted to the terminal and output (410).

According to an embodiment of the present invention, the information registration interface includes a user interface for inputting (or selecting) trade transaction status information including at least one of trading partner country company customer information and trade transaction contract information at the terminal. It is preferable to make.

In addition, the web page transmission or output process is preferably performed at least one or more times according to the trade transaction status information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) trade transaction status information including at least one trading partner country company customer information and trade transaction contract information through the information registration interface (415).

If the terminal enters (or selects) trade transaction status information including the trading partner country company customer information and trade transaction contract information through the information registration interface (420), the terminal inputs the information through the communication channel. In operation 425, the client's customer information and trade transaction contract information of the selected trading partner country are transmitted to the server.

According to the implementation method of the present invention, transmitting the input (or selection) of the trading partner company information and the trade contract information to the server through the communication channel is input (or selection) through the information registration interface. The electronic device may further include transmitting the trade transaction status information to an electronic signature or encryption through a security module provided in the terminal.

Thereafter, the server receives and reads the trading partner company information and the trade transaction contract information through the communication channel to check the validity of the trade transaction status information (430).

According to the method of the present invention, confirming the validity of the trade transaction status information registration, if the trade transaction status information is electronically signed or encrypted through the security module provided in the terminal, the trade transaction status information Or may further include decoding the trade transaction status information.

According to an embodiment of the present invention, the validity of the trade transaction status information is whether at least one member information matching the trade transaction status information is registered in the member information D / B on the DBMS associated with the information registration system. It is preferable to include checking.

For example, checking the validity of the trade transaction status information is whether the trading partner country corporate customer information included in the trade transaction status information matches the member information stored in the member information D / B on the DBMS associated with the information registration system. It is preferable to include checking.

If the validity of the trade transaction status information is not authenticated (435), the server generates a web page including predetermined information registration error information and transmits it to the terminal (440), corresponding to the trade transaction status information. Do not perform the information registration procedure.

On the contrary, if the validity of the trade transaction status information is authenticated (435), the server performs an information registration procedure corresponding to the registration of the trade transaction status information, thereby linking and processing the trading partner enterprise customer information and trade transaction contract information. The storage medium 330 is stored in the predetermined storage medium 330 (445).

According to one embodiment of the invention, the storage medium 330 is preferably provided in a DBMS provided on the information registration system (or associated with the information registration system), whereby the present invention is not limited. .

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (450), thereby completing the procedure of registering the trade transaction status information transmitted from the terminal.

5 is a view showing a loan support system for loan support based on trade transaction status information according to an embodiment of the present invention.

In more detail, in FIG. 5, a trade transaction enterprise customer and a trade partner partner enterprise customer receive predetermined trade transaction status information (eg, trade transaction contract information, etc.) through the information registration system shown in FIGS. 1 and 3. After registering with the relay agency, the trade trading enterprise customer through the predetermined information registration interface through the loan support system, trade trading enterprise customer information, trading partner country enterprise customer information, trade transaction status information and trade transaction status information (for example, trade transaction) If the loan support application information including the contract information) is provided, the loan support system requests the trade transaction status information corresponding to the trade customer information of the trading partner country from a predetermined relay server provided to the relay agency, If the trade transaction status information corresponding to the trading partner company information is provided from the relay server, Comparing the trade transaction status information corresponding to the corporate customer information of the trading partner country with the trade transaction status information provided by the trade transaction corporate customer, and confirming whether there is a match, and if it is matched, predetermined loan support corresponding to the trade transaction status As a configuration of a system for checking a condition from a predetermined storage medium and supporting a predetermined loan to the trade business company customer, those skilled in the art may refer to or modify the present invention. In order to infer a variety of implementation method for the loan support system configuration to support a predetermined loan to the trading company customer, the present invention includes all the implementation method inferred, the implementation method shown in Figure 5 It is not limited to only.

Hereinafter, in the loan support system illustrated in FIG. 5, the trade transaction status information corresponding to the trade partner partner company customer information included in the loan support application information provided from the trade transaction enterprise customer through a predetermined information registration interface may be relayed. Requested by the server and provided, and checks whether the trade transaction status information of the trading partner company customer provided with the trade transaction status information provided by the trade trading enterprise customer is matched, the trade transaction corporate customer according to the match A component corresponding to at least one or more means or functional configurations for processing the loan support requested is referred to as "loan support server 500" for convenience.

Referring to FIG. 5 according to an embodiment of the present invention, a loan support system based on the trade transaction status information may include information registration including a counter terminal provided in at least one branch of a financial institution (or a branch or a main branch). Characterized in that it comprises a terminal, the information registration terminal is connected to the communication channel and the loan support server 500 provided on the loan support system through a predetermined financial network (or communication network).

According to the embodiment of the present invention, the loan support server 500 is connected to the communication channel through a predetermined communication network and the information registration server on the information registration system shown in Figures 1 and 3, the information through the communication network It is characterized in that the registration server receives the trade transaction status information corresponding to the information of the trading partner country company customer information included in the loan support application information provided by the trade transaction enterprise customer.

The communication network connecting the loan support server 500 and the information registration server may be a communication network based on Transmission Control Protocol / Internet Protocol (TCP / IP) or may include Swift.

Here, the SWIFT is an international inter-bank information and communication network operating to handle payments and message exchanges with foreign banks. It is possible to check the balance of foreign currency funds, loans, deposit transactions and foreign banks, balances and balances with foreign banks, send money by wire transfer, wire transfer, remittance checks, etc. The collection service can be promptly performed, and the credit card opening service and the draft bill notification service can be promptly processed.

According to an exemplary embodiment of the present invention, a trade-trade enterprise customer who wants to apply for a predetermined loan support visits the financial institution branch (or branch or main branch), and the window provided at the financial institution branch (or branch or main branch). Complete a prescribed application for loan assistance (e.g., a document with a form for filling in at least one item of information for a loan assistance application), and send the completed application to the clerk Upon submission, the teller enters (or selects) the information entered in the application through a designated teller terminal, and the teller terminal transmits the input (or selected) information through the financial network (or communication network). It is preferable to transmit to the loan support server 500 provided on the loan support system.

Here, the teller terminal preferably comprises a manager terminal used by the teller staff provided in the branch (or branch or head office) of the financial institution, the loan support server 500 connected to the teller terminal is the predetermined financial It is preferable to include a ledger server provided on the system, wherein the financial network (or communication network) connecting the teller terminal and the loan support server 500 establishes a communication channel between the teller terminal and the loan support server 500. It is preferable that the connection network comprises a connection network.

In the loan support system as described above, an application prepared by the trade business enterprise customer, a teller terminal used by the teller employee and a financial network (or a communication network) connecting the teller terminal and the loan support server 500 may be used. The trade transaction enterprise customer performs a function of an information registration interface for registering loan support application information for receiving a predetermined loan corresponding to the trade transaction status.

The storage medium provided on the loan support system according to the present invention links the trade transaction company customer information, the trade partner country company customer information, and the trade transaction status information included in the loan support application information provided from the information registration terminal. Characterized in that the processing is stored in a predetermined storage medium, and the loan support application information including at least one of the trade transaction corporate customer information, trade transaction partner country corporate customer information and trade transaction status information stored in the storage medium is the trade. It is used to extract (or create) loan support condition information corresponding to a trading enterprise customer.

The trade transaction corporate customer information is unique information (eg, company name, business registration number (or business registration number) of a trade transaction enterprise customer who has entered into a predetermined trade transaction agreement with a predetermined trading transaction partner company. Unique code)), a corporate registration number (or a unique number (or code) corresponding to a corporate registration number), a representative, an address, a telephone number, a mobile phone number, an e-mail address, etc.), and the member information of the customer (e.g., the customer By registering as a member of the trade transaction status information registrar, member ID information provided in a predetermined storage medium linked with the information registration system in response to the trade transaction enterprise customer), and opened in the name of the trade transaction enterprise customer. It is preferable to include at least one or more account information (for example, account opening institution, account number, etc.) corresponding to the financial account.

The trading partner company information is the unique information (for example, the company name, the business registration number (or the unique number corresponding to the business registration number) of the trading partner country customers that have entered into a predetermined trade transaction contract with a predetermined trading company Or a unique code)), a corporate registration number (or a unique number (or code) corresponding to a corporate registration number), a representative, an address, a telephone number, a mobile phone number, an e-mail address, etc., and the member information of the customer (for example, The member ID information provided in a predetermined storage medium associated with the information registration system in response to the trade transaction partner country customer by the customer joining as a member of the trade transaction status information registrar; It is preferable to include at least one or more account information (for example, account opening institution, account number, etc.) corresponding to the financial account opened in the name. The.

The trade transaction status information is information about a process (or step) (eg, contract conclusion stage, goods shipment stage, etc.) in which the trade transaction enterprise customer proceeds with a predetermined trade transaction contract with the trading partner company. For example, if the trade transaction enterprise customer has entered into a trade transaction contract, the trade transaction status information may be replaced with the trade transaction contract information, and if the trade transaction enterprise customer has completed the shipment for the trade transaction article For example, it may be replaced with shipping document information according to the shipment of the trade item.

According to an exemplary embodiment of the present invention, the storage medium may further include loan support history information generated in the course of processing loan support of the trade customer through the loan support server 500.

According to an exemplary embodiment of the present invention, the storage medium may include trade transaction condition information corresponding to a trade transaction status of the trade enterprise customer.

The trade condition information includes loan amount and loan period by trade transaction amount, loan amount and loan period by trade transaction period, loan amount and loan period by trade transaction progress stage, loan amount by trade transaction company's performance (or transaction details). And a loan period, a loanable amount of each company's performance (or transaction history) of the trading partner country, and a loan period.

According to one embodiment of the invention, the storage medium is preferably provided in a DBMS on a financial system provided on the loan support system (or associated with the loan support system), wherein the storage medium is the financial It may be a ledger D / B provided in the DBMS on the system, or a predetermined database associated with the ledger D / B, by which the present invention is not limited.

According to another embodiment of the present invention, the storage medium is at least one banking of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the loan support system. It is possible to be provided in the DBMS on the system, whereby the present invention is not limited.

The loan support server 500 provided on the loan support system according to the present invention is a generic term for the loan support system side components connected to the information registration terminal and a predetermined financial network (or a communication network). It may be implemented by including a server (or device), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network (or a communication network), the loan support server 500 is the window terminal through a predetermined financial network (or communication network). It may be a ledger server provided on a financial system connected to the financial system, or a server (or device) provided on an external system on the financial system, or a program provided on the external system on the financial system, thereby limiting the present invention. Not.

In addition, in FIG. 5, the loan support server 500 receives a loan support application information of a trade transaction enterprise customer from the information registration terminal and trades corresponding to the loan support application information (trade partner country information). A function of requesting transaction status information to the relay server, a function of receiving trade transaction status information corresponding to the loan support application information from the relay server, trade transaction status information and the loan support provided from the relay server A function of comparing / verifying the trade transaction status information included in the application information and extracting loan support conditions corresponding to the loan support application information (trade business enterprise customer) from a predetermined storage medium according to the comparison / verification result. And, shown including all of the configuration of the function to support a predetermined loan to the trade business customers in accordance with the extracted loan support conditions Or, so that this invention is never limited to, the lending support server 500 is not put out by bayida obviously may be made through a separate server (or device) for each of the functional structure.

Referring to FIG. 5, the financial system is a general term for a computer system in which the CMS account of the above-described trade trading enterprise customer is opened (or registered), and is basically provided at a branch (or a branch or a main office) of the financial institution. It is characterized in that the connection through at least one teller terminal and a predetermined financial network (for example, party network), and provides a face-to-face financial transaction service for at least one financial transaction customer through the teller terminal.

The financial system may include at least one financial terminal including a CD / ATM (Cash Dispenser / Automatic Teller Machine) provided at a branch (or a branch or a main office) of the financial institution, or at least one or more affiliated with the financial institution. At least one financial terminal provided in another financial institution (or another financial institution branch), or at least one financial terminal provided in a public place, and is connected through a predetermined financial network (eg, CD common network). In addition, the financial terminal provides a non-face-to-face financial transaction service to at least one financial transaction customer.

In addition, the financial system is characterized in that it is associated with a predetermined Internet banking server, a network (eg, wired Internet, or IEEE 802.11x-based wireless LAN, or IEEE) connected to a TCP / IP-based backbone network through the Internet banking server At least one client terminal (e.g., a personal computer (PC) or laptop equipped with the wired Internet access and browsing function) connected to an 802.16x-based portable Internet, etc., and the wireless LAN / portable Internet access and browsing function are provided. A non-face-to-face financial transaction service to at least one financial transaction customer through a laptop or mobile terminal).

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, or IEEE 802.16x based portable through the wireless banking server) At least one wireless terminal (e.g., a Personal Communication System (PCS) or Global System for Mobile (GSM) terminal having access and browsing capabilities to the mobile communication network connected to the Internet or a DataTAC / Mobitex-based wireless data communication network, or Provides a non-face-to-face financial transaction service to at least one financial transaction customer through a PDA (Personal Digital Assistant) or a smart phone or telematics.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, Or IC chip based on at least one financial transaction customer through at least one wireless terminal (e.g., a wireless terminal equipped with a financial IC chip) connected to an IEEE 802.16x based portable Internet or a DataTAC / Mobitex based wireless data communication network. Provide non-face-to-face financial transaction services.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice call network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS or GSM terminal and / or smart) connected to a fixed line communication terminal (e.g., a telephone) or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network) Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a phone.

Referring to FIG. 5, the financial system opens at least one financial account (eg, CMS account, etc.) to at least one financial transaction customer, and provides financial services to provide at least one financial transaction service based on the financial account. A computer system provided in an institution, which handles accounting operations such as credit or reception or trust or foreign exchange occurring in at least one branch (or counter), processing of headquarters operations, branch office information support, and customer information management. Interconnection between the information system, the financial system and at least one other financial system (or payment system), or at least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking, IC chip based wireless banking, telebanking, TV banking, etc.) Access to a network, and / or an external system providing various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides inter-component interfacing, and predetermined information (e.g., ledger information, customer information, or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

In addition, the financial system is a foreign exchange module (not shown) according to the intention of a person skilled in the art or the type of each financial institution (for example, commercial bank, savings bank, trust bank) equipped with the financial system and the purpose and characteristics of the financial system. ), It is possible to further include at least one or more components such as investment finance module (not shown), international module (not shown), if the person skilled in the art to which the present invention belongs. Since it will be familiar with the technical details, the detailed description thereof will be omitted for convenience, thereby not limiting the present invention.

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And at least one ledger D / B for storing at least one ledger, wherein the ledger D / B is at least one ledger information for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. (Eg, customer ledger, receiving ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., specifying or supplementing each ledger's attributes / functions) in a relational relationship. It is characterized in that it is processed and stored.

Those skilled in the art to which the present invention pertains correspond to at least one ledger information provided in the ledger D / B and each ledger information according to the type of each financial institution and the purpose and characteristic of the financial system. In addition to being familiar with at least one ledger additional information, each ledger information is stored in a relational manner, or predetermined ledger information and at least one ledger additional information are stored in a relational manner. Since it will be understood, detailed description thereof will be omitted for convenience.

According to the embodiment of the present invention, the loan support server 500 is provided with an interface unit 505 for connecting and managing a predetermined communication channel with the information registration terminal through the financial network (or communication network). It is done.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network (or communication network), the interface unit 505 is based on a protocol stack defined in the financial network (or communication network). It is desirable to provide a communication interface for transmitting and receiving at least one information (or data) using the communication protocol defined in the financial transaction-related program provided in the window terminal and connecting a predetermined communication channel with the window terminal. .

Referring to FIG. 5, the loan support server 500 connects a communication channel with the loan support server 500 through the interface unit 505 after a predetermined information registration terminal is connected to the interface unit 505. An interface providing unit 510 for generating (or extracting) a predetermined user interface for inputting (or selecting) predetermined loan support application information from the information registration terminal and providing the information registration terminal to the information registration terminal; An information receiving unit 515 for receiving predetermined loan support application information input (or selected) and transmitted from the information registration terminal through the user interface in cooperation with an interface unit 505, and the received loan support application information. Validation unit 520 for checking the validity and the trading partner country information included in the loan support application information received by transmitting to a predetermined relay server, Status information requesting unit 525 for requesting trading transaction status information corresponding to the company information of the trading partner country, and status information receiver 530 for receiving trade transaction status information corresponding to the trading partner country information from the relay server. ) (515) and the trade transaction status information corresponding to the trade information of the trading partner country received from the relay server and the trade transaction status information of the trade transaction enterprise customer included in the loan support application information, and verify the comparison. / Verification unit 535 and the trade transaction condition information corresponding to the trade transaction status information of the comparison / verification of the trade transaction company customer extracted from the storage medium, or with reference to the trade transaction condition information stored in the storage medium, Extraction / generation unit 540 for generating trade transaction condition information corresponding to the trade transaction status information of the trade transaction enterprise customer and the extracted / generated trade transaction And to the trade transaction company customer information included in response to the key lending support 545 that supports a certain loan features that made.

The interface providing unit 510 connects a communication channel with the loan support server 500 through the interface unit 505 and then corresponds to a functional configuration provided in the information registration terminal. Input a loan support application information (or select) to generate a predetermined user interface that can be transmitted to the loan support server 500 through the financial network (or communication network), or extracted from a predetermined database (not shown) And providing the user interface generated (or extracted) in cooperation with the interface unit 505 to the information registration terminal through the financial network (or communication network).

According to another embodiment of the present invention, at least one user interface for inputting (or selecting) the loan support application information to the information registration terminal and transmitting the loan support application information to the loan support server 500 through the financial network (or communication network). When the predetermined information registration program is provided, the interface providing unit 510 for providing the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

Subsequently, the information registration terminal inputs (or selects) loan support application information including at least one of the trade transaction company customer information, the trade partner country company customer information, and the trade transaction status information based on the user interface. The loan support application information input (or selected) is transmitted to the loan support server 500 through the financial network (or communication network).

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network (or a communication network), the interface providing unit 510 may be provided by a financial transaction related program provided in the window terminal. It is preferable to generate (or extract) a predetermined user interface and provide the generated user interface to the window terminal through the interface unit 505.

The information receiving unit 515 inputs (or selects) loan support application information including at least one trade transaction company customer information, a trade partner country company customer information, and a trade transaction state information through the user interface at the information registration terminal. When transmitting through the financial network (or communication network), the loan support application information is received in conjunction with the interface unit 505, and the validity check unit 520 to the received loan support application information To provide.

The validity confirming unit 520 is characterized by checking whether the loan support application information received from the information registration terminal satisfies the validity for receiving a predetermined loan corresponding to the trade transaction status.

According to the method of the present invention, the validity of the loan support application information is whether at least one ledger information matching the loan support application information is registered in the ledger D / B on the financial system associated with the loan support system It is preferable to include checking.

For example, the validity check of the loan assistance application information may be performed to determine whether the trade transaction corporate customer information included in the loan assistance application information matches the customer ledger stored in the ledger D / B on the financial system linked to the loan assistance system. It is preferable to include what is included.

In addition, the validity check of the loan support application information confirms whether the trade transaction corporate customer account information included in the loan support application information matches the account ledger stored in the ledger D / B on the financial system linked with the loan support system. It is preferable that it consists of including.

The current status information requesting unit 525 transmits the trading partner country information included in the loan support application information of the trading company company customer received through the information receiving unit 515 to a predetermined relay server, and the trading partner country. It is characterized by requesting the trade transaction status information corresponding to the company information.

According to an exemplary embodiment of the present invention, the relay server may receive trade status information from the trade transaction enterprise customer and the trade transaction partner country enterprise customer, and store and manage the information in a predetermined storage medium.

When the relay server receives a request for trade transaction status information corresponding to the trade customer information of the trading partner country from the loan support server 500, the relay server stores the predetermined information through the information registration system shown in FIGS. 1 and 3. Loan support (or check) the trade transaction status information corresponding to the trading partner country information stored in the medium, the trade transaction status information corresponding to the extracted (or confirmed) trading partner country information Send to server 500.

The status information receiver 530 or 515 may receive, from the relay server, trade transaction status information corresponding to the trading partner country company customer information, and correspond to the received trading partner country company customer information. The trade transaction status information is provided to the comparison / verification unit 535.

The comparison / verification unit 535 receives the trade transaction status information corresponding to the trade customer information of the trading partner country from the relay server through the status information receiver 530 or 515. And comparing the trade transaction status information included in the loan support application information provided by the trade transaction company, and verifying that they match. The comparison / verification history is provided to the extraction / generation unit 540.

According to the method of the present invention, if the trade transaction status information is the trade transaction contract information described in Figure 3, the comparison / verification unit 535 is a trade transaction contained in the trade transaction contract information received from the relay server Corporate Customer Name, Trade Transaction Corporate Customer Address, Trade Transaction Corporate Customer Contact, Trade Transaction Corporate Customer Transaction Bank, Trade Transaction Corporate Customer Transaction Account, Trade Item Details, Trade Transaction Amount, Trade Transaction Currency, Trade Transaction Schedule , The name of the trade transaction enterprise customer included in the trade transaction contract information included in the loan support application information provided by the trade transaction company, the trade transaction enterprise customer address, the trade transaction enterprise customer contact number, the trade transaction enterprise customer transaction bank, and the trade transaction company. Compares the customer transaction account, the item details of the trade transaction, the amount of the trade transaction, the trade transaction currency, and the trade transaction schedule. If the items do not match, the comparison / verification section 535 into the trade transaction information can be considered which are not verified.

The extraction / generation unit 540 completes the comparison / verification of the trade transaction contract information (trade transaction status information) included in the loan support application information provided by the trade transaction company through the comparison / verification unit 535. If the trade transaction condition information corresponding to the compared / verified trade transaction status information is extracted from the storage medium, or with reference to the trade transaction condition information stored in the storage medium, the trade transaction status information of the customer of the trading company It characterized in that for generating trade transaction conditions corresponding to.

Herein, the trade transaction condition information includes loan amount and loan period by trade transaction amount, loan amount and loan period by trade transaction period, loan amount and loan period by trade transaction progress stage, loan by performance (or transaction history) of trading company. It may be configured to include at least one or more of the possible amount and the loan period, the amount of the loan and the period of the loan by the company's performance (or transaction details) of the trading country.

The loan support unit 545 extracts the trade transaction condition information corresponding to the trade transaction status information from the storage medium through the extraction / generation unit 540 or refers to the trade transaction condition information stored in the storage medium. When the trade transaction condition information corresponding to the trade transaction status information of the trade transaction enterprise customer is generated, the loan transaction is provided to the trade transaction enterprise customer in response to the extracted trade transaction condition information. It features.

According to the implementation method of the present invention, the loan support unit 545 confirms the loan amount corresponding to the extracted trade transaction condition information, and deposits the confirmed loan amount into the trade transaction corporate customer account. desirable.

6 is a diagram illustrating a loan support process based on trade transaction status information according to an embodiment of the present invention.

In more detail, in FIG. 6, through the information registration system shown in FIGS. 1 and 3, a trade transaction enterprise customer and a trade partner enterprise company customer receive predetermined trade transaction status information (eg, trade transaction contract information). After registering with the relay agency, the trade transaction corporate customer through the predetermined information registration interface to the loan support system shown in Figure 5, the trade transaction enterprise customer information, the trading partner country customer information and trade transaction status information and trade transaction When providing loan support application information including status information (e.g., trade transaction contract information, etc.), a trade transaction corresponding to the corporate customer information of the trading partner country is provided by a predetermined relay server provided to the relay agency in the loan support system. Request the status information, and from the relay server, the trade transaction status information corresponding to the trading partner company information If provided, compares the trade transaction status information corresponding to the provided trade customer information and the trade transaction status information provided by the trade transaction corporate customer, and confirms whether there is a match, and if so, responds to the trade transaction status. The process of supporting a predetermined loan to the trade business customer by confirming a predetermined loan support condition from a predetermined storage medium, and a person having ordinary knowledge in the technical field to which the present invention belongs, FIG. By referring to or modifying may be inferred a variety of implementation methods for the process of supporting a predetermined loan to the trade business enterprise customer, the present invention includes all the implementation methods inferred, shown in Figure 6 It is not limited to the method alone.

Hereinafter, in FIG. 6, the window terminal shown in FIG. 5 is referred to as a “terminal” for convenience, and the loan support server 500 shown in FIG. 5 is referred to as a “server” for convenience, and the loan support is performed at the window terminal. The trade transaction corporate customer information, trade transaction partner country corporate customer information and trade transaction status information transmitted to the server 500 is referred to as "loan support application information" for convenience.

Referring to FIG. 6, the window terminal shown in FIG. 5 connects a predetermined communication channel for registering the loan assistance application information by accessing the server through a predetermined financial network (or a communication network), and supporting the loan. When requesting the loan support application information registration for 600 (600), the server generates (or extracts) a predetermined information registration interface for registering the loan support application information (605), the generation through the communication channel The data registration interface (or extracted) is transmitted to the terminal and output (operation 610).

According to an embodiment of the present invention, the information registration interface inputs (or selects) loan support application information including at least one of the trade transaction company customer information, the trade partner country company customer information, and the trade transaction status information in the terminal. It is preferable to include a user interface.

Thereafter, the terminal inputs (or selects) loan support application information including at least one trade transaction company customer information, a trade partner country company customer information, and trade transaction status information through the information registration interface (615).

If the terminal receives (or selects) loan assistance application information including the trade transaction company customer information, the trading partner country company customer information, and the trade transaction status information through the information registration interface (620), the terminal receives the Through the financial network (or communication network), the loan support application information including the input (or selected) trade transaction corporate customer information, trading partner country corporate customer information, and trade transaction status information is transmitted to the server (625).

Thereafter, the server receives and reads the trade transaction company customer information, the trading partner country company customer information, and the trade transaction status information through the financial network (or the communication network) to confirm the validity of the loan support application information (630). ).

According to the method of the present invention, the validity of the loan support application information is whether at least one ledger information matching the loan support application information is registered in the ledger D / B on the financial system associated with the loan support system It is preferable to include checking.

For example, the validity check of the loan assistance application information may be performed to determine whether the trade transaction corporate customer information included in the loan assistance application information matches the customer ledger stored in the ledger D / B on the financial system linked to the loan assistance system. It is preferable to include what is included.

In addition, the validity check of the loan support application information confirms whether the trade transaction corporate customer account information included in the loan support application information matches the account ledger stored in the ledger D / B on the financial system linked to the loan support system. It is preferable that it consists of including.

If the validity of the loan assistance application information is not authenticated (635), the server generates predetermined information registration error information and transmits it to the terminal (640), and performs an information registration procedure corresponding to the loan assistance application information. Do not perform.

On the other hand, if the validity of the loan support application information is authenticated (635), the server transmits the trade transaction partner country information included in the loan support application information of the trade transaction enterprise customer received to a predetermined relay server, The trade transaction status information corresponding to the enterprise information of the trading partner country is requested (645).

According to an exemplary embodiment of the present invention, the relay server may receive trade status information from the trade transaction enterprise customer and the trade transaction partner country enterprise customer, and store and manage the information in a predetermined storage medium.

When the relay server receives a request for trade transaction status information corresponding to the trade customer information of the trading partner country from the loan support server 500, the relay server stores the predetermined information through the information registration system shown in FIGS. 1 and 3. Extract (or verify) trade transaction status information corresponding to the trade customer information of the trading partner country stored in the medium, and loan the trade transaction status information corresponding to the trade customer information of the trading partner country extracted from the trade transaction partner. Send to support server 500.

When the server receives the trade transaction status information corresponding to the trading partner company information from the relay server (650), the server includes the received trade transaction status information and the loan support application information provided by the trade transaction company. The trade transaction status information is compared and verified to match (655).

According to the implementation method of the present invention, if the trade transaction status information is the trade transaction contract information described in Figure 3, the server is a trade transaction company customer name, trade transaction included in the trade transaction contract information received from the relay server Corporate Customer Address, Trade Transaction Corporate Customer Contact, Trade Transaction Corporate Customer Trading Bank, Trade Transaction Corporate Customer Trading Account, Trade Item Target, Trade Transaction Amount, Trade Transaction Currency, Trade Transaction Schedule, The name of the trade transaction company customer included in the trade transaction contract information included in the loan support application information provided, the address of the trade transaction company customer, the contact information of the trade transaction company customer, the trade transaction company customer trading bank, the trade transaction company customer transaction account, and the trade transaction. Compare the item specification, trade transaction amount, trade transaction currency, and trade transaction schedule, and match any of the above trade transaction information. If the item does, the server is the trade transaction status information can be considered which are not verified.

When the comparison / verification of the trade transaction contract information (trade transaction status information) included in the loan support application information provided by the trade transaction company is completed (660), the server corresponds to the compared / verified trade transaction status information. The trade transaction condition information is extracted from the storage medium, or the trade transaction condition information corresponding to the trade transaction status information of the trade enterprise company is generated by referring to the trade transaction condition information stored in the storage medium.

Herein, the trade transaction condition information includes loan amount and loan period by trade transaction amount, loan amount and loan period by trade transaction period, loan amount and loan period by trade transaction progress stage, loan by performance (or transaction history) of trading company. It may be configured to include at least one or more of the possible amount and the loan period, the amount of the loan and the period of the loan, etc. by company performance (or transaction details) of the trading partner country.

Thereafter, the server extracts the trade transaction condition information corresponding to the trade transaction status information from the storage medium 550 or refers to the trade transaction condition information stored in the storage medium. When trade transaction condition information corresponding to the status information is generated, a predetermined loan is provided to the trade transaction enterprise customer in response to the extracted / generated trade transaction information (670).

According to an embodiment of the present invention, the server preferably checks the loan amount corresponding to the extracted trade transaction condition information and deposits the confirmed loan amount into the trade transaction corporate customer account.

7 is a diagram illustrating a loan support system for loan support based on trade transaction status information according to one embodiment of the present invention.

In more detail, in FIG. 7, a trade transaction enterprise customer and a trading partner enterprise customer through the information registration system illustrated in FIGS. 1 and 3 may provide predetermined trade transaction status information (eg, trade transaction contract information). The loan support system, if the trade transaction company customer is a CMS member of a financial institution equipped with a predetermined loan support system and the trade transaction status information is already stored in a storage medium on the loan support system. Requests a trade transaction status information of a trading partner partner country customer corresponding to the trade transaction corporate customer from a predetermined relay server provided at the relay agency, and requests a trade transaction corresponding to the trade partner partner corporate customer information from the relay server. When the status information is provided, the trade transaction status information corresponding to the provided trade customer information of the trading partner country and the Compare the trade transaction status information provided by the reverse trading company customer to confirm whether the match, and if there is a match, the predetermined loan support condition corresponding to the trade transaction status is confirmed from a predetermined storage medium, and the loan support condition information After notifying the trade transaction enterprise customer, the trade transaction enterprise customer provides loan support application information including at least one loan amount, loan interest rate, loan period, etc. to the loan support system through a predetermined information registration interface. In the following, the system is configured to support a predetermined loan to the trade business customer, and a person having ordinary knowledge in the technical field to which the present invention pertains may refer to or modify the drawing 7 to designate the trade business customer. It would be possible to infer various implementation methods for the construction of a loan support system that supports the loan of Invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 7.

In the following, a request is made to a predetermined relay server provided to the relay agency in the loan support system shown in FIG. When the trade transaction status information corresponding to the trading partner company information is provided, the trade transaction status information corresponding to the trade customer information of the trading partner country and the trade transaction status information provided by the trade trading company customer are compared and matched. At least one means or function for confirming, from a predetermined storage medium, a predetermined loan support condition corresponding to the trade transaction status, and informing the trade transaction enterprise customer of the loan support condition information. The component corresponding to the configuration is referred to as "loan support server 700" for convenience.

Referring to FIG. 7 according to an embodiment of the present invention, a loan support system based on the trade transaction status information may include information registration including a counter terminal provided in at least one financial institution branch (or a branch or a main branch). Characterized in that it comprises a terminal, the information registration terminal is connected to the communication channel and the loan support server 700 provided on the loan support system through a predetermined financial network (or communication network).

According to the method of the present invention, the loan support server 700 is connected to the information registration server on the information registration system shown in Figure 3 and a communication channel through a predetermined communication network, to the information registration server through the communication network Characterized in that the trade transaction status information corresponding to the trading customer information of the trading partner country corresponding to the trade transaction status information of the trade transaction enterprise customer is provided.

The communication network connecting the loan support server 700 and the payment guarantee processing server may be a communication network based on Transmission Control Protocol / Internet Protocol (TCP / IP) or may include Swift.

Here, the SWIFT is an international inter-bank information and communication network operating to handle payments and message exchanges with foreign banks. It is possible to check the balance of foreign currency funds, loans, deposit transactions and foreign banks, balances and balances with foreign banks, send money by wire transfer, wire transfer, remittance checks, etc. The collection service can be promptly performed, and the credit card opening service and the garland bill notification service can be promptly processed.

According to an exemplary embodiment of the present invention, the loan support server 700 requests a trade transaction status information of a trading partner company customer corresponding to the trade transaction corporate customer to a predetermined relay server provided at the relay institution, When the trade transaction status information corresponding to the trade customer information of the trading partner country is provided from the relay server, the trade transaction status information corresponding to the trade customer information of the trading partner country and the trade transaction status information provided by the trade transaction company customer. Compares and checks whether there is a match, and if there is a match, checks a predetermined loan support condition corresponding to the trade transaction state from a predetermined storage medium, and transmits the loan support condition information to the trade transaction company customer communication means. Characterized in that the notification.

The trade transaction corporate customer provided with the loan support condition information from the loan support server 700 visits the financial institution branch (or a branch or a main office) to apply for a predetermined loan support corresponding to the loan support condition information. A form for filling out a predetermined application (eg, at least one information item for loan support application) through a window (or through a teller staff) provided at the branch (or branch or head office) of the financial institution Provided) and submit the completed application to the teller, the teller enters (or selects) the information entered in the application through a given teller terminal, and the teller terminal enters the input (or It is desirable to transmit the selected information to the loan support server 700 provided on the loan support system through the financial network (or communication network). It is.

Here, the teller terminal preferably comprises a manager terminal used by a teller staff provided in the branch (or branch or main office) of the financial institution, the loan support server 700 connected to the teller terminal is the predetermined financial It is preferable to include a ledger server provided on the system, the financial network (or communication network) connecting the teller terminal and the loan support server 700 establishes a communication channel between the teller terminal and the loan support server 700. It is preferable that the connection network comprises a connection network.

In the loan support system as described above, an application prepared by the trade transaction enterprise customer, a teller terminal used by the teller employee, and a financial network (or a communication network) connecting the teller terminal and the loan support server 700 is the The trade transaction enterprise customer performs a function of an information registration interface for registering loan support application information for receiving a predetermined loan corresponding to the trade transaction status.

The storage medium provided on the loan support system according to the present invention is stored in a predetermined storage medium by processing the loan amount, loan interest rate, loan period included in the loan support application information provided from the information registration terminal. The loan assistance application information including at least one or more of the loan amount, loan interest rate, and loan period stored in the storage medium is used for loan support corresponding to the trade transaction enterprise customer.

In addition, the storage medium is preferably provided with CMS member information of at least one trade transaction corporate customer, the trade transaction corporate customer information managed by the CMS member, and the trading partner country of the trade transaction enterprise customer It is desirable to have corporate customer information and trade transaction status information of the trade customer.

Herein, the trade customer information is unique information (eg, company name, business registration number (or unique number corresponding to the business registration number) of the trading company customers who have entered into a predetermined trade transaction agreement with a predetermined trading partner company (Or a unique code)), a corporate registration number (or a unique number (or code) corresponding to a corporate registration number), representative, address, telephone number, mobile phone number, e-mail address, etc., and member information of the customer (e.g., Member ID information provided in a predetermined storage medium associated with the information registration system in response to the trade transaction enterprise customer by registering the customer as a member of the trade transaction status information registration institution; It is preferable to include at least one or more account information (for example, account opening institution, account number, etc.) corresponding to the financial account opened.

The trading partner company information is the unique information (for example, the company name, the business registration number (or the unique number corresponding to the business registration number) of the trading partner country customers that have entered into a predetermined trade transaction contract with a predetermined trading company Or a unique code)), a corporate registration number (or a unique number (or code) corresponding to a corporate registration number), a representative, an address, a telephone number, a mobile phone number, an e-mail address, etc., and the member information of the customer (for example, The member ID information provided in a predetermined storage medium associated with the information registration system in response to the trade transaction partner country customer by the customer joining as a member of the trade transaction status information registrar; It is preferable to include at least one or more account information (for example, account opening institution, account number, etc.) corresponding to the financial account opened in the name. The.

The trade transaction status information is information about a process (or step) (eg, contract conclusion stage, goods shipment stage, etc.) in which the trade transaction enterprise customer proceeds with a predetermined trade transaction contract with the trading partner company. For example, if the trade transaction enterprise customer has entered into a trade transaction contract, the trade transaction status information may be replaced with the trade transaction contract information, and if the trade transaction enterprise customer has completed the shipment for the trade transaction article For example, it may be replaced with shipping document information according to the shipment of the trade item.

According to an exemplary embodiment of the present invention, the storage medium may further include loan support history information generated in the course of processing loan support of the trade business customer through the loan support server 700.

According to an exemplary embodiment of the present invention, the storage medium may include trade transaction condition information corresponding to a trade transaction status of the trade enterprise customer.

The trade condition information includes loan amount and loan period by trade transaction amount, loan amount and loan period by trade transaction period, loan amount and loan period by trade transaction progress stage, loan amount by trade transaction company's performance (or transaction details). And a loan period, a loanable amount of each company's performance (or transaction history) of the trading partner country, and a loan period.

According to one embodiment of the invention, the storage medium is preferably provided in a DBMS on a financial system provided on the loan support system (or associated with the loan support system), wherein the storage medium is the financial It may be a ledger D / B provided in the DBMS on the system, or a predetermined database associated with the ledger D / B, by which the present invention is not limited.

According to another embodiment of the present invention, the storage medium is at least one banking of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the loan support system. It is possible to be provided in the DBMS on the system, whereby the present invention is not limited.

The loan support server 700 provided on the loan support system according to the present invention is a generic term for the loan support system side components connected to the information registration terminal and a predetermined financial network (or a communication network). It may be implemented by including a server (or device), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network (or communication network), the loan support server 700 is the window terminal through a predetermined financial network (or communication network). It may be a ledger server provided on a financial system connected to the financial system, or a server (or device) provided on an external system on the financial system, or a program provided on the external system on the financial system, thereby limiting the present invention. Not.

In addition, in FIG. 7, the loan support server 700 requests the relay server for trade transaction status information corresponding to the loan support application information (trade company information) and the loan support from the relay server. A function of receiving trade transaction status information corresponding to the application information, a function of comparing / verifying the trade transaction status information provided from the relay server with the trade transaction status information included in the loan support application information, and the comparison / verification A function of extracting loan support conditions corresponding to the loan support application information (trade transaction enterprise customer) from a predetermined storage medium and providing the extracted loan support condition information to the trade transaction enterprise customer communication means according to a result; And, the function of receiving the loan support application information of the trading business enterprise customer from the information registration terminal, and the received loan support application information Accordingly, although illustrated including all of the functional configuration to support a predetermined loan to the trading customer, the invention is not limited by this, the loan support server 700 is a separate server for each functional configuration ( Or device).

Referring to FIG. 7, the financial system is a general term for the computer system in which the CMS account of the above-described trade trading enterprise customer is opened (or registered), and is basically provided in at least one branch (or branch or head office) of the financial institution. It is characterized in that the connection through at least one teller terminal and a predetermined financial network (for example, party network), and provides a face-to-face financial transaction service for at least one financial transaction customer through the teller terminal.

The financial system may include at least one financial terminal including a CD / ATM (Cash Dispenser / Automatic Teller Machine) provided at a branch (or a branch or a main office) of the financial institution, or at least one or more affiliated with the financial institution. At least one financial terminal provided at another financial institution (or another financial institution branch), or at least one financial terminal provided at a public place, and is connected through a predetermined financial network (eg, a CD common network). In addition, the financial terminal provides a non-face-to-face financial transaction service to at least one financial transaction customer.

In addition, the financial system is characterized in that it is associated with a predetermined Internet banking server, a network (eg, wired Internet, or IEEE 802.11x-based wireless LAN, or IEEE) connected to a TCP / IP-based backbone network through the Internet banking server At least one client terminal (e.g., a personal computer (PC) or laptop equipped with the wired Internet access and browsing function) connected to an 802.16x-based portable Internet, etc., and the wireless LAN / portable Internet access and browsing function are provided. A non-face-to-face financial transaction service to at least one financial transaction customer through a laptop or mobile terminal).

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, or IEEE 802.16x based portable through the wireless banking server) At least one wireless terminal (e.g., a Personal Communication System (PCS) or Global System for Mobile (GSM) terminal having access and browsing capabilities to the mobile communication network, or connected to the Internet or a DataTAC / Mobitex-based wireless data communication network, or A non-face-to-face financial transaction service is provided to at least one financial transaction customer through a PDA (Personal Digital Assistant), a smart phone, or telematics.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, Or IC chip based on at least one financial transaction customer through at least one wireless terminal (e.g., a wireless terminal equipped with a financial IC chip) connected to an IEEE 802.16x based portable Internet or a DataTAC / Mobitex based wireless data communication network. Provide non-face-to-face financial transaction services.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice call network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS or GSM terminal and / or smart) connected to a fixed line communication terminal (e.g., a telephone) or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network) Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a phone.

Referring to FIG. 7, the financial system opens at least one financial account (eg, CMS account, etc.) to at least one financial transaction customer, and provides financial services to provide at least one financial transaction service based on the financial account. A computer system provided in an institution, which handles accounting operations such as credit or reception or trust or foreign exchange occurring in at least one branch (or counter), processing of headquarters operations, branch office information support, and customer information management. Interconnection between the information system, the financial system and at least one other financial system (or payment system), or at least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking, IC chip based wireless banking, telebanking, TV banking, etc.) Access to a network, and / or an external system providing various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides inter-component interfacing, and predetermined information (e.g., ledger information, customer information, or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

In addition, the financial system is a foreign exchange module (not shown) according to the intention of a person skilled in the art or the type of each financial institution (for example, commercial bank, savings bank, trust bank) equipped with the financial system and the purpose and characteristics of the financial system. ), It is possible to further include at least one or more components such as investment finance module (not shown), international module (not shown), if the person skilled in the art to which the present invention belongs. Since it will be familiar with the technical details, the detailed description thereof will be omitted for convenience, thereby not limiting the present invention.

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And at least one ledger D / B for storing at least one ledger, wherein the ledger D / B is at least one ledger information for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. (Eg, customer ledger, receiving ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., specifying or supplementing each ledger's attributes / functions) in a relational relationship. It is characterized in that it is processed and stored.

Those skilled in the art to which the present invention pertains correspond to at least one ledger information provided in the ledger D / B and each ledger information according to the type of each financial institution and the purpose and characteristic of the financial system. In addition to being familiar with at least one ledger additional information, each ledger information is linked and stored in a relational manner, or predetermined ledger information and at least one ledger additional information are linked and stored in a relational manner. Since it will be understood, detailed description thereof will be omitted for convenience.

According to the method of the present invention, the loan support server 700 transmits the trading partner country information corresponding to the trading customer company stored in the storage medium to the relay server, corresponding to the trading partner country information Status information requesting unit (725) for requesting the trade transaction status information, status information receiving unit (715) (730) for receiving the trade transaction status information corresponding to the company information of the trading partner country from the relay server, and the relay server A comparison / verification unit 735 for comparing and verifying the trade transaction status information corresponding to the trade information of the trading partner country received from the trade information with the trade transaction company information stored in the storage medium, and the comparison / verification Trade transaction condition information corresponding to the trade transaction status information of an established trade transaction enterprise customer from the storage medium or stored in the storage medium. An extract / creation unit 740 for generating trade transaction condition information corresponding to the trade transaction status information of the trade enterprise company with reference to the transaction condition information, and the extracted trade transaction condition information Characterized in that it comprises an information transmission unit 755 for transmitting to the communication means.

The status information requesting unit 725 transmits a trade transaction partner country information included in the trade transaction status information of the trade transaction company customer stored in the storage medium to a predetermined relay server, and corresponds to the trade transaction partner country information. It is characterized by requesting trade transaction status information.

According to an exemplary embodiment of the present invention, the relay server may receive trade status information from the trade transaction enterprise customer and the trade transaction partner country enterprise customer, and store and manage the information in a predetermined storage medium.

When the relay server receives a request for trade transaction status information corresponding to the trade customer information of the trading partner country from the loan support server 700, the relay server stores the predetermined information through the information registration system shown in FIGS. 1 and 3. Loan support (or check) the trade transaction status information corresponding to the trading partner country information stored in the medium, the trade transaction status information corresponding to the extracted (or confirmed) trading partner country information Send to server 700.

The status information receiving unit (715) (730) is characterized in that for receiving the trade transaction status information corresponding to the trading partner country customer information from the relay server, and corresponding to the received trading partner company information The trade transaction status information is provided to the comparison / verification unit 735.

The comparison / verification unit 735 receives the trade transaction status information corresponding to the trade customer information of the trading partner country from the relay server through the status information receiving unit 715 or 730. And comparing the trade transaction status information of the trade transaction corporate customer stored in the storage medium, and verifying whether the transaction information is matched, and providing the comparison / verification details to the extraction / generation unit 740.

According to the method of the present invention, if the trade transaction status information is the trade transaction contract information described in FIG. 3, the comparison / verification unit 735 is a trade transaction included in the trade transaction contract information received from the relay server. Corporate Customer Name, Trade Transaction Corporate Customer Address, Trade Transaction Corporate Customer Contact, Trade Transaction Corporate Customer Transaction Bank, Trade Transaction Corporate Customer Transaction Account, Trade Item Details, Trade Transaction Amount, Trade Transaction Currency, Trade Transaction Schedule A trade transaction corporate customer name included in the trade transaction contract information stored in the storage medium, trade transaction corporate customer address, trade transaction enterprise customer contact information, trade transaction enterprise customer transaction bank, trade transaction enterprise customer transaction account, Compare trade item details, trade transaction amount, trade transaction currency and trade transaction schedule, and match any of the above trade transaction contract information. If the item does not, the comparison / verification unit (735) is the trade transaction status information can be considered which are not verified.

The extraction / generation unit 740 completes the comparison / verification of the trade transaction contract information (trade transaction status information) included in the loan support application information provided by the trade transaction company through the comparison / verification unit 735. If the trade transaction condition information corresponding to the compared / verified trade transaction status information is extracted from the storage medium, or with reference to the trade transaction condition information stored in the storage medium, the trade transaction status information of the customer of the trading company It characterized in that for generating trade transaction conditions corresponding to.

Herein, the trade transaction condition information includes loan amount and loan period by trade transaction amount, loan amount and loan period by trade transaction period, loan amount and loan period by trade transaction progress stage, loan by performance (or transaction history) of trading company. It may be configured to include at least one or more of the possible amount and the loan period, the amount of the loan and the period of the loan, etc. by company performance (or transaction details) of the trading partner country.

The information transmitting unit 755 may extract the trade transaction condition information extracted / generated through the extracting / generating unit to the trade transaction corporate customer communication means (eg, e-mail, text message, wire / wireless telephone, homepage, fax, blog, mini homepage). , Messenger, etc.).

According to an embodiment of the present invention, the loan support server 700 is provided with an interface unit 705 for connecting and managing a predetermined communication channel with the information registration terminal through the financial network (or communication network). It is done.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network (or communication network), the interface unit 705 is based on a protocol stack defined in the financial network (or communication network). It is desirable to provide a communication interface for transmitting and receiving at least one information (or data) using the communication protocol defined in the financial transaction-related program provided in the window terminal and connecting a predetermined communication channel with the window terminal. .

Referring to FIG. 7, the loan support server 700 connects a communication channel with the loan support server 700 through the interface unit 705 through a predetermined information registration terminal, and then connects the interface unit 705 with the interface unit 705. An interface providing unit 710 for generating (or extracting) a predetermined user interface for inputting (or selecting) and providing predetermined loan assistance application information from the information registration terminal in association with the information registration terminal; An information receiving unit 715 for receiving predetermined loan support application information transmitted from the information registration terminal through the user interface in connection with the interface unit 705 and the received loan support application information; In response to the validity verification unit 720 and the validated loan support application information for verifying the validity of the trade transaction enterprise customer to support a predetermined loan Characterized in that comprises a lending support 745.

The interface providing unit 710 connects a communication channel with the loan support server 700 via the interface unit 705 after the predetermined information registration terminal corresponds to the functional configuration provided in the information registration terminal. Input a loan support application information (or select) to generate a predetermined user interface that can be transmitted to the loan support server 700 through the financial network (or communication network), or extracted from a predetermined database (not shown) And providing the user interface generated (or extracted) in cooperation with the interface unit 705 to the information registration terminal through the financial network (or communication network).

According to another embodiment of the present invention, at least one user interface for inputting (or selecting) the loan support application information to the information registration terminal and transmitting the loan support application information to the loan support server 700 through the financial network (or communication network). When a predetermined information registration program is provided, the interface providing unit 710 for providing the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

Thereafter, the information registration terminal inputs (or selects) loan support application information including at least one or more of the loan amount, loan interest rate, and loan period based on the user interface, and inputs (or selects) the loan support application. Information is transmitted to the loan support server 700 through the financial network (or communication network).

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network (or a communication network), the interface providing unit 710 may be provided by a financial transaction related program provided in the window terminal. It is preferable to generate (or extract) a predetermined user interface and provide the generated user interface to the window terminal through the interface unit 705.

The information receiving unit 715 inputs (or selects) loan support application information including at least one loan amount, loan interest rate, and loan period through the user interface at the information registration terminal to establish the financial network (or communication network). When transmitting through, it is characterized in that for receiving the loan support application information in conjunction with the interface unit 705, and provides the received loan support application information to the validity verification unit 720.

The validity confirming unit 720 is characterized in that whether the loan support application information received from the information registration terminal satisfies the validity for receiving a predetermined loan corresponding to the trade transaction status.

According to the method of the present invention, the validity of the loan support application information is whether at least one ledger information matching the loan support application information is registered in the ledger D / B on the financial system associated with the loan support system It is preferable to include checking.

For example, the validity check of the loan assistance application information may be performed to determine whether the trade transaction corporate customer information included in the loan assistance application information matches the customer ledger stored in the ledger D / B on the financial system linked to the loan assistance system. It is preferable to include what is included.

In addition, the validity check of the loan support application information confirms whether the trade transaction corporate customer account information included in the loan support application information matches the account ledger stored in the ledger D / B on the financial system linked with the loan support system. It is preferable that it consists of including.

In addition, the validity confirmation of the loan support application information is the loan amount, loan interest rate, loan period included in the loan support application information loan amount included in the loan support condition information of the trade transaction enterprise customer stored in the storage medium It is desirable to include checking whether the loan rate matches the loan interest rate and the loan period.

The loan support unit 745 may be configured to include a predetermined loan to the trade business customer by referring to the valid loan support application information.

According to the implementation method of the present invention, the loan support unit 745 preferably checks the loan amount corresponding to the loan support application information, and deposits the confirmed loan amount into the trade transaction company customer account.

8 is a diagram illustrating a loan support process based on trade transaction status information according to another embodiment of the present invention.

In more detail, in FIG. 8, a trade trading enterprise customer and a trading partner enterprise customer receive predetermined trade transaction status information (eg, trade transaction contract information, etc.) through the information registration system shown in FIGS. 1 and 3. The loan support system, if the trade transaction company customer is a CMS member of a financial institution equipped with a predetermined loan support system and the trade transaction status information is already stored in a storage medium on the loan support system. Requests a trade transaction status information of a trading partner partner country customer corresponding to the trade transaction corporate customer from a predetermined relay server provided at the relay agency, and requests a trade transaction corresponding to the trade partner partner corporate customer information from the relay server. When the status information is provided, the trade transaction status information corresponding to the provided trade customer information of the trading partner country and the Compare the trade transaction status information provided by the reverse trading company customer to confirm whether the match, and if there is a match, the predetermined loan support condition corresponding to the trade transaction status is confirmed from a predetermined storage medium, and the loan support condition information After notifying the trade transaction enterprise customer, the trade transaction enterprise customer provides loan support application information including at least one loan amount, loan interest rate, loan period, etc. to the loan support system through a predetermined information registration interface. In the following, the system is configured to support a predetermined loan to the trade business customer, and a person having ordinary knowledge in the technical field to which the present invention pertains may refer to or modify the drawing 7 to designate the trade business customer. It would be possible to infer various implementation methods for the construction of a loan support system that supports the loan of Invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 7.

Hereinafter, in FIG. 8, the window terminal shown in FIG. 7 is referred to as a “terminal” for convenience, and the loan support server 700 shown in FIG. 7 is referred to as a “server” for convenience, and the loan support is performed at the window terminal. The loan amount, loan rate, and loan period to be transmitted to the server 700 is referred to as "loan support application information" for convenience.

Referring to FIG. 8, a server corresponding to the trade transaction counterpart company information is transmitted by transmitting a trade transaction counterpart country company information included in the trade transaction status information of the trade company company stored in the storage medium to a predetermined relay server. Request transaction status information (800).

According to an embodiment of the present invention, the relay server may receive trade status information from the trade transaction enterprise customer and the trade transaction partner country customer and store and manage the information in a predetermined storage medium.

When the relay server receives a request for trade transaction status information corresponding to the trade customer information of the trading partner country from the loan support server 700, the relay server stores the predetermined information through the information registration system shown in FIGS. 1 and 3. Loan support (or check) the trade transaction status information corresponding to the trading partner country information stored in the medium, the trade transaction status information corresponding to the extracted (or confirmed) trading partner country information Send to server 700.

When the server receives the trade transaction status information corresponding to the trading partner country company customer information from the relay server (805), and receives the trade transaction status information corresponding to the trade customer country information from the relay server, The received trade transaction status information and the trade transaction status information of the trade transaction corporate customer stored in the storage medium are compared and verified to match (810).

According to the implementation method of the present invention, if the trade transaction status information is the trade transaction contract information described in Figure 3, the server is a trade transaction company customer name, trade transaction included in the trade transaction contract information received from the relay server Corporate Customer Address, Trade Transaction Corporate Customer Contact, Trade Transaction Corporate Customer Transaction Bank, Trade Transaction Corporate Customer Transaction Account, Trade Item Target, Trade Transaction Amount, Trade Transaction Currency, Trade Transaction Schedule and Stored in the storage medium Trade trading company customer name, trade trading company customer address, trade trading company customer contact information, trading trading company customer trading bank, trade trading company customer trading account included in trade trading company information, trade transaction target product details Compare the transaction transaction amount, trade transaction currency, and trade transaction schedule. If the server is the trade transaction status information can be considered which are not verified.

The server compares / verifies the trade transaction contract information (trade transaction status information) of the trading company stored in the storage medium through the comparison / verification unit 735 (815), and compares / verified the trade. Extract the trade transaction condition information corresponding to the transaction status information from the storage medium, or refer to the trade transaction condition information stored in the storage medium, and obtain trade transaction condition information corresponding to the trade transaction status information of the trading company customer. Create

Herein, the trade transaction condition information includes loan amount and loan period by trade transaction amount, loan amount and loan period by trade transaction period, loan amount and loan period by trade transaction progress stage, loan by performance (or transaction history) of trading company. It may be configured to include at least one or more of the possible amount and the loan period, the amount of the loan and the period of the loan, etc. by company performance (or transaction details) of the trading partner country.

In addition, the server extracts the trade transaction condition information extracted / generated through the extraction / generation unit into the trade transaction corporate customer communication means (for example, e-mail, text message, wire / wireless telephone, homepage, fax, blog, mini homepage, messenger, etc.). (820).

Subsequently, the window terminal shown in FIG. 7 connects a predetermined communication channel for registering the loan assistance application information by accessing the server through a predetermined financial network (or a communication network), and based on the trade transaction condition information. When requesting the loan support application information registration for loan support (825), the server generates (or extracts) a predetermined information registration interface for registering the loan support application information (830), and the communication channel. In operation 835, the generated (or extracted) information registration interface is transmitted to the terminal.

According to an embodiment of the present invention, the information registration interface preferably comprises a user interface for inputting (or selecting) loan assistance application information including at least one of the loan amount, loan interest rate, and loan period in the terminal. Do.

Thereafter, the terminal inputs (or selects) loan assistance application information including at least one loan amount, loan interest rate, and loan period through the information registration interface (840).

If the loan support application information including the loan amount, loan interest rate, and loan period is input (or selected) through the information registration interface (845), the terminal transmits the information through the financial network (or communication network). The loan support application information including the input (or selected) loan amount, loan interest rate, and loan period is transmitted to the server (850).

Thereafter, the server receives and reads the loan amount, loan interest rate, and loan period through the financial network (or communication network) to check the validity of the loan support application information (855).

According to the method of the present invention, the validity of the loan support application information is whether at least one ledger information matching the loan support application information is registered in the ledger D / B on the financial system associated with the loan support system It is preferable to include checking.

For example, the validity check of the loan assistance application information may be performed to determine whether the trade transaction corporate customer information included in the loan assistance application information matches the customer ledger stored in the ledger D / B on the financial system linked to the loan assistance system. It is preferable to include what is included.

In addition, the validity check of the loan support application information confirms whether the trade transaction corporate customer account information included in the loan support application information matches the account ledger stored in the ledger D / B on the financial system linked with the loan support system. It is preferable that it consists of including.

In addition, the validity confirmation of the loan support application information is the loan amount, loan interest rate, loan period included in the loan support application information loan amount included in the loan support condition information of the trade transaction enterprise customer stored in the storage medium It is desirable to include checking whether the loan rate matches the loan interest rate and the loan period.

If the validity of the loan support application information is not authenticated (860), the server generates predetermined information registration error information and transmits it to the terminal (865), and performs an information registration procedure corresponding to the loan support application information. Do not perform.

On the other hand, if the validity of the loan support application information is authenticated (860), the server supports a predetermined loan to the trade transaction enterprise customer in response to the verified loan support application information (870).

According to the implementation method of the present invention, the server checks the loan amount corresponding to the loan application information, and preferably deposits the confirmed loan amount into the trade transaction corporate customer account.

9 is a diagram illustrating a loan support system for loan support based on trade transaction status information according to another embodiment of the present invention.

In more detail, in FIG. 9, the trade customer of the trading partner country transmits predetermined trade transaction status information (for example, trade transaction contract information, etc.) to the trade customer of the trading partner country through the information registration system shown in FIG. After registration, the trade trading enterprise customers who have entered into a predetermined trade transaction contract with the trading partner company through the predetermined information registration interface, the trade trading company customer information, the trading partner country customer information and the trade transaction status information through the loan support system. And loan assistance application information including trade transaction status information (eg, trade transaction contract information, etc.), the loan support system may correspond to the trade partner partner country corporate customer information from the trade partner partner country corporate customer financial institution. Request trade transaction status information and contact the trading partner's corporate customer transaction financial institution. When the trade transaction status information corresponding to the trading partner country information of the trading partner is provided, the trade transaction status information corresponding to the provided trading partner company information is compared with the trade transaction status information provided by the trading company. As a system configuration for confirming whether a match is found and, if there is a match, confirming a predetermined loan support condition corresponding to the trade transaction status from a predetermined storage medium and supporting a predetermined loan to the trade trading enterprise customer. Those skilled in the art to which the present invention pertains may refer to or modify this drawing 9 to infer various implementation methods for the construction of a loan support system that supports predetermined loans to the trade business customers. The present invention includes all the implementation methods inferred, and only the implementation method shown in FIG. It shall not be limited.

Hereinafter, the trade transaction status information corresponding to the trade transaction partner country enterprise customer information included in the loan support application information provided from the trade transaction enterprise customer through a predetermined information registration interface on the loan support system shown in FIG. Received by requesting from the trading partner company customer financial institution, and confirms whether the trade transaction status information of the trading partner country customer provided and the trade transaction status information provided by the trade trading company customer match, according to the match The component corresponding to at least one or more means or functional configuration for processing the loan support requested by the trade business enterprise customer is referred to as "loan support server 900" for convenience.

Referring to FIG. 9 according to an embodiment of the present invention, the loan support system based on the trade transaction status information may include information registration including a counter terminal provided in at least one financial institution branch (or a branch or a main branch). Characterized in that it comprises a terminal, the information registration terminal is connected to the communication channel and the loan support server 900 provided on the loan support system through a predetermined financial network (or communication network).

According to the implementation method of the present invention, the loan support server 900 communicates with the information registration server on the information registration system provided in the trade transaction partner country enterprise customer transaction financial institution shown in Figures 1 and 3 through a predetermined communication network The channel is connected, and the trade transaction status information corresponding to the trade customer information of the trading partner country included in the loan support application information provided by the trade business company through the communication network to the corporate customer trading financial institution through the communication network It is characterized by receiving.

The communication network connecting the loan support server 900 and the trading partner country corporate customer transaction financial institution may be a communication network based on Transmission Control Protocol / Internet Protocol (TCP / IP) or Swift.

Here, the SWIFT is an international inter-bank information and communication network operating to handle payments and message exchanges with foreign banks. It is possible to check the balance of foreign currency funds, loans, deposit transactions and foreign banks, balances and balances with foreign banks, send money by wire transfer, wire transfer, remittance checks, etc. The collection service can be promptly performed, and the credit card opening service and the draft bill notification service can be promptly processed.

According to one embodiment of the present invention, a trade transaction enterprise customer who wants to apply for a predetermined loan support visits the financial institution branch (or branch or main branch), and the window provided at the financial institution branch (or branch or main branch). Complete a prescribed application for loan assistance (e.g., a document with a form for filling in at least one item of information for a loan assistance application), and send the completed application to the clerk Upon submission, the teller enters (or selects) the information entered in the application through a designated teller terminal, and the teller terminal transmits the input (or selected) information through the financial network (or communication network). It is preferable to transmit to the loan support server 900 provided on the loan support system.

Here, the teller terminal preferably comprises a manager terminal used by a teller staff provided in the branch (or branch or main office) of the financial institution, loan support server 900 connected to the teller terminal is the predetermined financial It is preferable to include a ledger server provided on the system, wherein the financial network (or communication network) connecting the teller terminal and the loan support server 900 establishes a communication channel between the teller terminal and the loan support server 900. It is preferable that the connection network comprises a connection network.

In the loan support system as described above, an application prepared by the trade transaction enterprise customer, a teller terminal used by the teller employee and a financial network (or a communication network) connecting the teller terminal and the loan support server 900 are The trade transaction enterprise customer performs a function of an information registration interface for registering loan support application information for receiving a predetermined loan corresponding to the trade transaction status.

The storage medium provided on the loan support system according to the present invention links the trade transaction company customer information, the trade partner country company customer information, and the trade transaction status information included in the loan support application information provided from the information registration terminal. Characterized in that the processing is stored in a predetermined storage medium, and the loan support application information including at least one of the trade transaction corporate customer information, trade transaction partner country corporate customer information and trade transaction status information stored in the storage medium is the trade. It is used to extract (or create) loan support condition information corresponding to a trading enterprise customer.

The trade transaction corporate customer information is unique information (eg, company name, business registration number (or business registration number) of a trade transaction enterprise customer who has entered into a predetermined trade transaction agreement with a predetermined trading transaction partner company. Unique code)), a corporate registration number (or a unique number (or code) corresponding to a corporate registration number), a representative, an address, a telephone number, a mobile phone number, an e-mail address, etc.), and the member information of the customer (e.g., the customer By registering as a member of the trade transaction status information registrar, member ID information provided in a predetermined storage medium linked with the information registration system in response to the trade transaction enterprise customer), and opened in the name of the trade transaction enterprise customer. It is preferable to include at least one or more account information (for example, account opening institution, account number, etc.) corresponding to the financial account.

The trading partner company information is the unique information (for example, the company name, the business registration number (or the unique number corresponding to the business registration number) of the trading partner country customers that have entered into a predetermined trade transaction contract with a predetermined trading company Or a unique code)), a corporate registration number (or a unique number (or code) corresponding to a corporate registration number), a representative, an address, a telephone number, a mobile phone number, an e-mail address, etc., and the member information of the customer (for example, The member ID information provided in a predetermined storage medium associated with the information registration system in response to the trade transaction partner country customer by the customer joining as a member of the trade transaction status information registrar; It is preferable to include at least one or more account information (for example, account opening institution, account number, etc.) corresponding to the financial account opened in the name. The.

The trade transaction status information is information about a process (or step) (eg, contract conclusion stage, goods shipment stage, etc.) in which the trade transaction enterprise customer proceeds with a predetermined trade transaction contract with the trading partner company. For example, if the trade transaction enterprise customer has entered into a trade transaction contract, the trade transaction status information may be replaced with the trade transaction contract information, and if the trade transaction enterprise customer has completed the shipment for the trade transaction article For example, it may be replaced with shipping document information according to the shipment of the trade item.

According to an exemplary embodiment of the present invention, the storage medium may further include loan support history information generated in the course of processing loan support of the trade transaction enterprise customer through the loan support server 900.

According to an exemplary embodiment of the present invention, the storage medium may include trade transaction condition information corresponding to a trade transaction status of the trade enterprise customer.

The trade condition information includes loan amount and loan period by trade transaction amount, loan amount and loan period by trade transaction period, loan amount and loan period by trade transaction progress stage, loan amount by trade transaction company's performance (or transaction details). And a loan period, a loanable amount of each company's performance (or transaction history) of the trading partner country, and a loan period.

According to one embodiment of the invention, the storage medium is preferably provided in a DBMS on a financial system provided on the loan support system (or associated with the loan support system), wherein the storage medium is the financial It may be a ledger D / B provided in the DBMS on the system, or a predetermined database associated with the ledger D / B, by which the present invention is not limited.

According to another embodiment of the present invention, the storage medium is at least one banking of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the loan support system. It is possible to be provided in the DBMS on the system, whereby the present invention is not limited.

The loan support server 900 provided on the loan support system according to the present invention is a generic term for the loan support system side components connected to the information registration terminal and a predetermined financial network (or a communication network). It may be implemented by including a server (or device), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the invention is not limited.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network (or communication network), the loan support server 900 is the window terminal through a predetermined financial network (or communication network). It may be a ledger server provided on a financial system connected to the financial system, or a server (or device) provided on an external system on the financial system, or a program provided on the external system on the financial system, thereby limiting the present invention. Not.

In addition, in FIG. 9, the loan support server 900 receives a loan support application information of a trade transaction enterprise customer from the information registration terminal and a trade corresponding to the loan support application information (trade partner country information). Requesting transaction status information from the trading partner country's corporate customer transaction financial institution; receiving trade transaction status information corresponding to the loan support application information from the trading partner country's corporate customer transaction financial institution; Comparing / verifying the trade transaction status information provided from the corporate customer transaction financial institution of the partner country and the trade transaction status information included in the loan support application information, and the loan assistance application information (trade trading company) according to the comparison / verification result. And a loan support condition corresponding to a customer) from a predetermined storage medium, and the extracted loan site. According to the condition, but including all of the functional configuration for supporting a predetermined loan to the trade business customers, the present invention is not limited by this, the loan support server 900 is separate for each functional configuration It is clear that this can be done via a server (or device).

Referring to FIG. 9, the financial system is a general term for the computer system in which the CMS account of the above-described trade-trade enterprise customer is opened (or registered), and is basically provided at a branch (or a branch or a main office) of the financial institution. It is characterized in that the connection through at least one teller terminal and a predetermined financial network (for example, party network), through the teller terminal provides a face-to-face financial transaction services to at least one financial transaction customer.

The financial system may include at least one financial terminal including a CD / ATM (Cash Dispenser / Automatic Teller Machine) provided at a branch (or a branch or a main office) of the financial institution, or at least one or more affiliated with the financial institution. At least one financial terminal provided at another financial institution (or another financial institution branch), or at least one financial terminal provided at a public place, and is connected through a predetermined financial network (eg, a CD common network). In addition, the financial terminal provides a non-face-to-face financial transaction service to at least one financial transaction customer.

In addition, the financial system is characterized in that it is associated with a predetermined Internet banking server, a network (eg, wired Internet, or IEEE 802.11x-based wireless LAN, or IEEE) connected to a TCP / IP-based backbone network through the Internet banking server At least one client terminal (e.g., a personal computer (PC) or laptop equipped with the wired Internet access and browsing function) connected to an 802.16x-based portable Internet, etc., and the wireless LAN / portable Internet access and browsing function are provided. A non-face-to-face financial transaction service to at least one financial transaction customer through a laptop or mobile terminal).

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, or IEEE 802.16x based portable through the wireless banking server) At least one wireless terminal (e.g., a Personal Communication System (PCS) or Global System for Mobile (GSM) terminal having access and browsing capabilities to the mobile communication network or A non-face-to-face financial transaction service is provided to at least one financial transaction customer through a PDA (Personal Digital Assistant), a smart phone, or telematics.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, Or IC chip based on at least one financial transaction customer through at least one wireless terminal (e.g., a wireless terminal equipped with a financial IC chip) connected to an IEEE 802.16x based portable Internet or a DataTAC / Mobitex based wireless data communication network. Provide non-face-to-face financial transaction services.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice call network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS or GSM terminal and / or smart) connected to a fixed line communication terminal (e.g., a telephone) or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network) Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a phone.

Referring to FIG. 9, the financial system opens at least one financial account (eg, CMS account, etc.) to at least one financial transaction customer, and provides financial services to provide at least one financial transaction service based on the financial account. A computer system provided in an institution, which handles accounting operations such as credit or reception or trust or foreign exchange occurring in at least one branch (or counter), processing of headquarters operations, branch office information support, and customer information management. Interconnection between the information system, the financial system and at least one other financial system (or payment system), or at least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking, IC chip based wireless banking, telebanking, TV banking, etc.) Access to a network, and / or an external system providing various financial transaction interfaces through at least one common network (eg, CD common network, financial common network). An interface module corresponding to a middleware platform that provides inter-component interfacing, and predetermined information (e.g., ledger information, customer information, or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

In addition, the financial system is a foreign exchange module (not shown) according to the intention of a person skilled in the art or the type of each financial institution (for example, commercial bank, savings bank, trust bank) equipped with the financial system and the purpose and characteristics of the financial system. ), It is possible to further include at least one or more components such as investment finance module (not shown), international module (not shown), if the person skilled in the art to which the present invention belongs. Since it will be familiar with the technical details, the detailed description thereof will be omitted for convenience, thereby not limiting the present invention.

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And at least one ledger D / B for storing at least one ledger, wherein the ledger D / B is at least one ledger information for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. (Eg, customer ledger, receiving ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., specifying or supplementing each ledger's attributes / functions) in a relational relationship. It is characterized in that it is processed and stored.

Those skilled in the art to which the present invention pertains correspond to at least one ledger information provided in the ledger D / B and each ledger information according to the type of each financial institution and the purpose and characteristic of the financial system. In addition to being familiar with at least one ledger additional information, each ledger information is stored in a relational manner, or predetermined ledger information and at least one ledger additional information are stored in a relational manner. Since it will be understood, detailed description thereof will be omitted for convenience.

According to the embodiment of the present invention, the loan support server 900 is provided with an interface unit 905 for connecting and managing a predetermined communication channel with the information registration terminal through the financial network (or communication network). It is done.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network (or communication network), the interface unit 905 is based on a protocol stack defined in the financial network (or communication network). It is desirable to provide a communication interface for transmitting and receiving at least one information (or data) using the communication protocol defined in the financial transaction-related program provided in the window terminal and connecting a predetermined communication channel with the window terminal. .

Referring to FIG. 9, the loan support server 900 connects a communication channel with the loan support server 900 through the interface unit 905 through a predetermined information registration terminal, and then connects with the interface unit 905. An interface providing unit 910 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined loan assistance application information from the information registration terminal to provide the information registration terminal to the information registration terminal; In addition to the interface unit 905, the information receiving unit 915 for receiving predetermined loan support application information input (or selected) transmitted from the information registration terminal through the user interface and the received loan support application information. Validation unit 920 for checking the validity of the trading partner country information contained in the loan support application information received from the trading partner country company customer transaction A status information requesting unit 925 for requesting a trade transaction status information corresponding to the trade information of the trading partner country by transmitting to a financial institution; Status information receiver 930 and 915 for receiving trade transaction status information, and trade transaction status information and loan support application information corresponding to the trade transaction partner country information received from the trading partner country company customer transaction financial institution. The comparison / verification unit 935 for comparing and verifying the trade transaction status information of the included trade transaction corporate customer, and storing the trade transaction condition information corresponding to the trade transaction status information of the compared / verified trade transaction enterprise customer. Trading transaction status of the trading enterprise customer by extracting from the media or by referring to the trade transaction condition information stored in the storage medium. An extraction / generation unit 940 for generating trade transaction condition information corresponding to the information and a loan support unit 945 for supporting a predetermined loan to the trade transaction corporate customer in response to the extracted / generated trade transaction information. Characterized in that made.

The interface providing unit 910 connects a communication channel with the loan support server 900 through the interface unit 905 through the interface unit 905, and corresponds to the functional configuration provided in the information registration terminal. Input a loan support application information (or select) to generate a predetermined user interface that can be transmitted to the loan support server 900 through the financial network (or communication network), or extracted from a predetermined database (not shown) And providing the user interface generated (or extracted) in cooperation with the interface unit 905 to the information registration terminal through the financial network (or communication network).

According to another embodiment of the present invention, at least one user interface for inputting (or selecting) the loan support application information to the information registration terminal and transmitting the loan support application information to the loan support server 900 through the financial network (or communication network). When a predetermined information registration program is provided, the interface providing unit 910 for providing the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

Subsequently, the information registration terminal inputs (or selects) loan support application information including at least one of the trade transaction company customer information, the trade partner country company customer information, and the trade transaction status information based on the user interface. The loan support application information input (or selected) is transmitted to the loan support server 900 through the financial network (or communication network).

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network (or communication network), the interface providing unit 910 may be provided with a financial transaction related program provided in the window terminal. It is preferable to generate (or extract) a predetermined user interface and provide the generated user interface to the window terminal through the interface unit 905.

The information receiving unit 915 inputs (or selects) loan support application information including at least one trade transaction company customer information, a trade partner country company customer information, and a trade transaction status information through the user interface at the information registration terminal. When transmitting through the financial network (or communication network), the loan support application information is received in conjunction with the interface unit 905, and the validity check unit 920 to the received loan support application information To provide.

The validity confirming unit 920 may be configured to check whether the loan support application information received from the information registration terminal satisfies a validity for receiving a predetermined loan corresponding to the trade transaction status.

According to the method of the present invention, the validity of the loan support application information is whether at least one ledger information matching the loan support application information is registered in the ledger D / B on the financial system associated with the loan support system It is preferable to include checking.

For example, the validity check of the loan assistance application information may be performed to determine whether the trade transaction corporate customer information included in the loan assistance application information matches the customer ledger stored in the ledger D / B on the financial system linked to the loan assistance system. It is preferable to include what is included.

In addition, the validity check of the loan support application information confirms whether the trade transaction corporate customer account information included in the loan support application information matches the account ledger stored in the ledger D / B on the financial system linked with the loan support system. It is preferable that it consists of including.

The status information requesting unit 925 transmits the trading partner country information included in the loan support application information of the trading customer company received through the information receiving unit 915 to a trading partner country company customer transaction financial institution, The trade transaction status information corresponding to the trading partner country information is characterized in that for requesting.

According to the implementation method of the present invention, the trading partner country corporate customer trading financial institution receives the trade status information from the trading customer company and the trading partner country customer characterized in that the storage and management in a predetermined storage medium.

When the trading partner company corporate customer transaction financial institution receives a request for trade transaction status information corresponding to the trade partner partner company customer information from the loan support server 900, the information transaction system shown in FIG. Extract (or verify) trade transaction status information corresponding to the trading partner country company customer information stored in a predetermined storage medium, and extract trade transaction status information corresponding to the extracted (or confirmed) trading company partner information. The loan support server 900 is transmitted.

The status information receiving unit 930 or 915 may receive trade transaction status information corresponding to the trade partner partner company customer information from the trade partner partner company customer transaction financial institution. The trade transaction status information corresponding to the corporate customer information is provided to the comparison / verification unit 935.

The comparison / verification unit 935 receives the trade transaction status information corresponding to the trading partner partner company customer information from the trading partner partner company customer transaction financial institution through the status information receiver 930 and 915. And compares the received trade transaction status information with the trade transaction status information included in the loan support application information provided by the trade transaction company, and verifies that the transaction information is matched. 940).

According to the implementation method of the present invention, if the trade transaction status information is the trade transaction contract information described in FIG. 3, the comparison / verification unit 935 is a trade transaction contract received from the trading partner company enterprise customer transaction financial institution Included in the information is the name of the trade transaction enterprise customer, trade transaction enterprise customer address, trade transaction enterprise customer contact information, trade transaction enterprise customer transaction bank, trade transaction enterprise customer transaction account, trade item details, trade transaction transaction amount, trade transaction transaction The name of the trade transaction customer included in the trade transaction contract information included in the currency, trade schedule, and loan application information provided by the trade transaction company, the address of the trade transaction company, the contact information of the trade transaction company, and the trade transaction company customer. Compare banks, trade customers, customer accounts, trade item details, trade transaction amount, trade transaction currency, trade schedule If the item does not match any one trade to contract information, the comparison / verification unit (935) is the trade transaction status information can be considered which are not verified.

The extraction / generation unit 940 completes the comparison / verification of the trade transaction contract information (trade transaction status information) included in the loan support application information provided by the trade transaction company through the comparison / verification unit 935. When the trade transaction condition information corresponding to the compared / verified trade transaction status information is extracted from the storage medium, or with reference to the trade transaction condition information stored in the storage medium, the trade transaction status information of the trading company company customer. It characterized in that for generating trade transaction conditions corresponding to.

Herein, the trade transaction condition information includes loan amount and loan period by trade transaction amount, loan amount and loan period by trade transaction period, loan amount and loan period by trade transaction progress stage, loan by performance (or transaction history) of trading company. It may be configured to include at least one or more of the possible amount and the loan period, the amount of the loan and the period of the loan, etc. by company performance (or transaction details) of the trading partner country.

The loan support unit 945 extracts the trade transaction condition information corresponding to the trade transaction status information from the storage medium through the extraction / generation unit 940 or refers to the trade transaction condition information stored in the storage medium. When the trade transaction condition information corresponding to the trade transaction status information of the trade transaction enterprise customer is generated, the loan transaction is provided to the trade transaction enterprise customer in response to the extracted trade transaction condition information. It features.

According to the implementation method of the present invention, the loan support unit 945 confirms the loan amount corresponding to the extracted trade transaction condition information, and deposits the confirmed loan amount into the trade transaction corporate customer account. desirable.

10 is a diagram illustrating a loan support process based on trade transaction status information according to another embodiment of the present invention.

In more detail, in FIG. 10, the trading partner company's corporate customer sends predetermined trade transaction status information (for example, trade transaction contract information, etc.) to the trading partner's corporate customer trading financial institution through the information registration system shown in FIG. After registration, the trade trading enterprise customers who have entered into a predetermined trade transaction contract with the trading partner company through the predetermined information registration interface, the trade trading company customer information, the trading partner country customer information and the trade transaction status information through the loan support system. And loan assistance application information including trade transaction status information (eg, trade transaction contract information, etc.), the loan support system may correspond to the trade partner partner country corporate customer information from the trade partner partner country corporate customer financial institution. Request information on trade status, and contact the financial institution When the trade transaction status information corresponding to the trading partner country information of the trading partner is provided, the trade transaction status information corresponding to the provided trading partner company information is compared with the trade transaction status information provided by the trading company. The present invention relates to a process of supporting a predetermined loan to a trade enterprise customer by checking a predetermined loan support condition corresponding to the trade transaction status if a match is found, and matching the trade transaction status. Those skilled in the art may refer to or modify this drawing 10 to infer various implementation methods for the loan support process for supporting a given loan to the trade business customer. The present invention encompasses all the inferred implementation methods, and is not limited to the implementation method shown in FIG. Should you.

Hereinafter, in FIG. 10, the window terminal shown in FIG. 9 is referred to as a "terminal" for convenience, and the loan support server 900 shown in FIG. 9 is referred to as a "server" for convenience, and the loan support in the window terminal. The trade transaction enterprise customer information, trade transaction partner country enterprise customer information and trade transaction status information transmitted to the server 900 is referred to as "loan support application information" for convenience.

Referring to FIG. 10, a window terminal shown in FIG. 9 connects to a server through a predetermined financial network (or a communication network), connects a predetermined communication channel for registering the loan assistance application information, and supports the loan support. When requesting the loan support application information registration for the request (1000), the server generates (or extracts) a predetermined information registration interface for registering the loan support application information (1005), the generation through the communication channel (Or extracted) the information registration interface is transmitted to the terminal and output (1010).

According to an embodiment of the present invention, the information registration interface inputs (or selects) loan support application information including at least one of the trade transaction company customer information, the trade partner country company customer information, and the trade transaction status information in the terminal. It is preferable to include a user interface.

Thereafter, the terminal inputs (or selects) loan assistance application information including at least one trade transaction company customer information, a trade partner country company customer information, and trade transaction status information through the information registration interface (1015).

If the terminal receives (or selects) loan assistance application information including the trade transaction company customer information, the trading partner country company customer information, and the trade transaction status information through the information registration interface (1020), the terminal receives the Through the financial network (or communication network), the loan support application information including the input (or selected) trade transaction corporate customer information, trading partner country corporate customer information, and trade transaction status information is transmitted to the server (1025).

Thereafter, the server receives and reads the trade transaction company customer information, the trading partner country company customer information, and the trade transaction status information through the financial network (or a communication network) to confirm the validity of the loan support application information (1030). ).

According to the method of the present invention, the validity of the loan support application information is whether at least one ledger information matching the loan support application information is registered in the ledger D / B on the financial system associated with the loan support system It is preferable to include checking.

For example, the validity check of the loan assistance application information may be performed to determine whether the trade transaction corporate customer information included in the loan assistance application information matches the customer ledger stored in the ledger D / B on the financial system linked to the loan assistance system. It is preferable to include what is included.

In addition, the validity check of the loan support application information confirms whether the trade transaction corporate customer account information included in the loan support application information matches the account ledger stored in the ledger D / B on the financial system linked with the loan support system. It is preferable that it consists of including.

If the validity of the loan support application information is not authenticated (1035), the server generates predetermined information registration error information and transmits it to the terminal (1040), and performs an information registration procedure corresponding to the loan support application information. Do not perform.

On the other hand, if the validity of the loan support application information is authenticated (1035), the server is a trade transaction partner country corporate customer information included in the loan support application information of the trade transaction enterprise customer received a predetermined trade transaction partner country corporate customer transaction finance Sending to the agency, and requests the trade transaction status information corresponding to the company information of the trading partner country (1045).

According to the implementation method of the present invention, the trading partner country corporate customer trading financial institution receives the trade status information from the trading customer company and the trading partner country customer characterized in that the storage and management in a predetermined storage medium.

When the trading partner company corporate customer transaction financial institution receives a request for trade transaction status information corresponding to the trade partner partner company customer information from the loan support server 900, the information shown in FIGS. 1 and 3 is registered. Extracts (or confirms) the trade transaction status information corresponding to the trading partner country company customer information stored in a predetermined storage medium through a system, and trades the trade transaction corresponding to the extracted (or confirmed) trading customer country information Status information is transmitted to the loan support server (900).

When the server receives the trade transaction status information corresponding to the trade partner country corporate customer information from the trading partner country company customer transaction financial institution (1050), the received trade transaction status information and the loan provided by the trade company The trade transaction status information included in the application for assistance information is compared and verified to be consistent (1055).

According to the implementation method of the present invention, if the trade transaction status information is the trade transaction contract information described in FIG. 3, the server is a trade transaction included in the trade transaction contract information received from the trading partner company enterprise customer transaction financial institution Corporate Customer Name, Trading Transaction Corporate Customer Address, Trading Transaction Corporate Customer Contact, Trading Transaction Corporate Customer Trading Bank, Trading Transaction Corporate Customer Trading Account, Trade Item Target, Trade Transaction Amount, Trading Transaction Currency, Trading Transaction Schedule And the name of the trade transaction enterprise customer included in the trade transaction contract information included in the loan support application information provided by the trade transaction company, the trade transaction enterprise customer address, the trade transaction enterprise customer contact information, the trade transaction enterprise customer transaction bank, and trade transaction. The above-mentioned trade transactions are compared by comparing the corporate customer trading account, the item specification of the trade transaction, the amount of the trade transaction transaction, the trade transaction currency, and the trade transaction schedule. If there is an item that does not match any of the contract information, the server may consider the trade transaction status information as not verified.

When the comparison / verification of the trade transaction contract information (trade transaction status information) included in the loan support application information provided by the trade transaction company is completed (1060), the server corresponds to the compared / verified trade transaction status information. The trade transaction condition information is extracted from the storage medium, or the trade transaction condition information corresponding to the trade transaction status information of the trade transaction enterprise customer is generated with reference to the trade transaction condition information stored in the storage medium.

Herein, the trade transaction condition information includes loan amount and loan period by trade transaction amount, loan amount and loan period by trade transaction period, loan amount and loan period by trade transaction progress stage, loan by performance (or transaction history) of trading company. It may be configured to include at least one or more of the possible amount and the loan period, the amount of the loan and the period of the loan, etc. by company performance (or transaction details) of the trading partner country.

Thereafter, the server extracts the trade transaction condition information corresponding to the trade transaction status information from the storage medium or refers to the trade transaction condition information stored in the storage medium, so as to display the trade transaction status information of the trade transaction enterprise customer. When the corresponding trade transaction condition information is generated, a predetermined loan is provided to the trade transaction enterprise customer in response to the extracted / generated trade transaction information (1070).

According to an embodiment of the present invention, the server preferably checks the loan amount corresponding to the extracted trade transaction condition information, and deposits the confirmed loan amount into the trade transaction corporate customer account.

11 is a diagram illustrating a loan support system for loan support based on trade transaction status information according to another embodiment of the present invention.

In more detail, in FIG. 11, the trading partner company's corporate customer sends predetermined trade transaction status information (for example, trade contract information) to the trading partner's corporate customer trading financial institution through the information registration system shown in FIG. If the trade transaction corporate customer is a CMS member of a financial institution equipped with a predetermined loan support system, and the trade transaction status information is already stored in a storage medium on the loan support system, the trade is supported by the loan support system. Request the trading partner status information of the trading partner partner's corporate customer corresponding to the trading partner's corporate customer from the trading partner's corporate customer trading financial institution, and respond to the trade partner's corporate information from the trading partner's corporate customer's trading financial institution If the trade transaction status information to be provided is provided, Comparing the trade transaction status information corresponding to the security information and the trade transaction status information provided by the trade trading enterprise customer, and confirming whether there is a match, and if there is a match, storing predetermined loan support conditions corresponding to the trade transaction status. After confirming from the medium and notifying the trade support corporate customer of the loan support condition information, the trade transaction business customer may at least set the loan amount, loan interest rate, loan period, etc. to the loan support system through a predetermined information registration interface. When providing loan support application information including one or more, as a configuration of a system for supporting a predetermined loan to the trade business enterprise customer, if you have ordinary knowledge in the technical field to which the present invention belongs, refer to FIG. Or modify a loan support system that supports a given loan to the trade business customer. Would be able to infer a method embodiment, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 11.

Hereinafter, requesting the trade transaction status information of the trade transaction partner country company customer corresponding to the trade transaction company customer to the trade transaction partner country customer transaction financial institution on the loan support system shown in FIG. When trading transaction information corresponding to the trade customer information of the trading partner country is provided from the trading financial institution, the trading transaction information corresponding to the trade customer information of the trading partner country provided by the trading partner and the trade transaction status provided by the trading customer Compares the information, checks whether there is a match, and if there is a match, checks a predetermined loan support condition corresponding to the trade transaction status from a predetermined storage medium and informs the trade transaction enterprise customer of the loan support condition information. For convenience of at least one means or component corresponding to the functional configuration It is called "loan support server 1100".

Referring to FIG. 11 according to an embodiment of the present invention, a loan support system based on the trade transaction status information may include information registration including a counter terminal provided in at least one financial institution branch (or a branch or a main branch). Characterized in that it comprises a terminal, the information registration terminal is connected to the communication channel and the loan support server 1100 provided on the loan support system through a predetermined financial network (or communication network).

According to an embodiment of the present invention, the loan support server 1100 is connected to a communication channel through a predetermined communication network and a trading partner company customer transaction financial institution on the information registration system shown in Figure 3, through the communication network The trading partner country customer customer trading financial institution characterized in that the request is provided by requesting the trade transaction status information corresponding to the trading partner country customer information corresponding to the trade transaction status information of the trading company.

The communication network connecting the loan support server 1100 and the trading partner country corporate customer transaction financial institution may be a communication network based on Transmission Control Protocol / Internet Protocol (TCP / IP) or Swift.

Here, the SWIFT is an international inter-bank information and communication network operating to handle payments and message exchanges with foreign banks. It is possible to check the balance of foreign currency funds, loans, deposit transactions and foreign banks, balances and balances with foreign banks, send money by wire transfer, wire transfer, remittance checks, etc. The collection service can be promptly performed, and the credit card opening service and the draft bill notification service can be promptly processed.

According to the exemplary embodiment of the present invention, the loan support server 1100 requests the trade transaction status information of the trading partner company company customer corresponding to the trade transaction company customer from the trading partner country company customer transaction financial institution. When the trade transaction status information corresponding to the trade customer information of the trading partner country is provided from the trading partner country company customer trading financial institution, the trade transaction status information corresponding to the trade customer information of the trading country of the trading partner country and the trade transaction company customer are provided. Comparing one trade transaction status information and confirming a match, if there is a match, confirming a predetermined loan support condition corresponding to the trade transaction status from a predetermined storage medium, and obtaining the loan support condition information from the trade transaction corporate customer. Characterized by transmitting to the communication means.

The trade transaction enterprise customer provided with the loan support condition information from the loan support server 1100 visits the financial institution branch (or a branch or a main office) to apply for a predetermined loan support corresponding to the loan support condition information. A form for filling out a predetermined application (eg, at least one information item for loan support application) through a window (or through a teller staff) provided at the branch (or branch or head office) of the financial institution Provided) and submit the completed application to the teller, the teller enters (or selects) the information entered in the application through a given teller terminal, and the teller terminal enters the input (or It is desirable to transmit the selected information to the loan support server 1100 provided on the loan support system through the financial network (or communication network). It is right.

Here, the teller terminal preferably comprises a manager terminal used by a teller staff provided in the branch (or branch or main office) of the financial institution, the loan support server 1100 connected to the teller terminal is the predetermined financial It is preferable to include a ledger server provided on the system, the financial network (or communication network) connecting the teller terminal and the loan support server 1100 is a communication channel between the teller terminal and the loan support server 1100. It is preferable that the connection network comprises a connection network.

In the loan support system as described above, an application prepared by the trade transaction corporate customer, a teller terminal used by the teller employee, and a financial network (or a communication network) connecting the teller terminal and the loan support server 1100 may include: The trade transaction enterprise customer performs a function of an information registration interface for registering loan support application information for receiving a predetermined loan corresponding to the trade transaction status.

The storage medium provided on the loan support system according to the present invention is stored in a predetermined storage medium by processing the loan amount, loan interest rate, loan period included in the loan support application information provided from the information registration terminal. The loan assistance application information including at least one or more of the loan amount, loan interest rate, and loan period stored in the storage medium is used for loan support corresponding to the trade transaction enterprise customer.

In addition, the storage medium is preferably provided with CMS member information of at least one trade transaction corporate customer, the trade transaction corporate customer information managed by the CMS member, and the trading partner country of the trade transaction enterprise customer It is desirable to have corporate customer information and trade transaction status information of the trade customer.

Here, the trade customer information is the unique information (eg, company name, business registration number (or unique number corresponding to the business registration number) of the trading business enterprise customers who entered into a predetermined trade transaction contract with a predetermined trading partner company (Or a unique code)), a corporate registration number (or a unique number (or code) corresponding to a corporate registration number), representative, address, telephone number, mobile phone number, e-mail address, etc., and member information of the customer (e.g., Member ID information provided in a predetermined storage medium associated with the information registration system in response to the trade transaction enterprise customer by registering the customer as a member of the trade transaction status information registration institution; It is preferable to include at least one or more account information (for example, account opening institution, account number, etc.) corresponding to the financial account opened.

The trading partner company information is the unique information (for example, the company name, the business registration number (or the unique number corresponding to the business registration number) of the trading partner country customers that have entered into a predetermined trade transaction contract with a predetermined trading company Or a unique code)), a corporate registration number (or a unique number (or code) corresponding to a corporate registration number), a representative, an address, a telephone number, a mobile phone number, an e-mail address, etc., and the member information of the customer (for example, The member ID information provided in a predetermined storage medium associated with the information registration system in response to the trade transaction partner country customer by the customer joining as a member of the trade transaction status information registrar; It is preferable to include at least one or more account information (for example, account opening institution, account number, etc.) corresponding to the financial account opened in the name. The.

The trade transaction status information is information about a process (or step) (eg, contract conclusion stage, goods shipment stage, etc.) in which the trade transaction enterprise customer proceeds with a predetermined trade transaction contract with the trading partner company. For example, if the trade transaction enterprise customer has entered into a trade transaction contract, the trade transaction status information may be replaced with the trade transaction contract information, and if the trade transaction enterprise customer has completed the shipment for the trade transaction article For example, it may be replaced with shipping document information according to the shipment of the trade item.

According to an exemplary embodiment of the present invention, the storage medium may further include loan support history information generated in the course of processing loan support of the trade customer through the loan support server 1100.

According to an exemplary embodiment of the present invention, the storage medium may include trade transaction condition information corresponding to a trade transaction status of the trade enterprise customer.

The trade condition information includes loan amount and loan period by trade transaction amount, loan amount and loan period by trade transaction period, loan amount and loan period by trade transaction progress stage, loan amount by trade transaction company's performance (or transaction details). And a loan period, a loanable amount of each company's performance (or transaction history) of the trading partner country, and a loan period.

According to one embodiment of the invention, the storage medium is preferably provided in a DBMS on a financial system provided on the loan support system (or associated with the loan support system), wherein the storage medium is the financial It may be a ledger D / B provided in the DBMS on the system, or a predetermined database associated with the ledger D / B, by which the present invention is not limited.

According to another embodiment of the present invention, the storage medium is at least one banking of an Internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the loan support system. It is possible to be provided in the DBMS on the system, whereby the present invention is not limited.

The loan support server 1100 provided on the loan support system according to the present invention is a generic term for the loan support system side components connected to the information registration terminal and a predetermined financial network (or a communication network), and includes at least one or more. It may be implemented by including a server (or device), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network (or communication network), the loan support server 1100 is the window terminal through a predetermined financial network (or communication network). It may be a ledger server provided on a financial system connected to the financial system, or a server (or device) provided on an external system on the financial system, or a program provided on the external system on the financial system, thereby limiting the present invention. Not.

In addition, in FIG. 11, the loan support server 1100 requests a trade transaction status information corresponding to the loan support application information (trade partner country information) to the trade partner country company customer transaction financial institution. A function of receiving trade transaction status information corresponding to the loan support application information from an enterprise customer transaction financial institution of a trading transaction partner country, and trade transaction status information and the loan support application information provided from the corporate customer transaction financial institution of the trading partner country. A function of comparing / verifying the included trade transaction status information, extracting loan support conditions corresponding to the loan support application information (trade trading enterprise customer) from a predetermined storage medium according to the comparison / verification result; Providing the extracted loan support condition information to the trade transaction enterprise customer communication means; and registering the information. Although the figure includes both a function of receiving loan support application information of a trade transaction enterprise customer from a horse and a function of supporting a predetermined loan to the trade transaction enterprise customer according to the received loan support application information. The invention is not limited in any way, it will be apparent that the loan support server 1100 can be made through a separate server (or device) for each functional configuration.

Referring to FIG. 11, the financial system is a general term for the computer system in which the CMS account of the above-described trade trading enterprise customer is opened (or registered), and is basically provided in at least one branch (or branch or head office) of the financial institution. It is characterized in that the connection through at least one teller terminal and a predetermined financial network (for example, party network), and provides a face-to-face financial transaction service for at least one financial transaction customer through the teller terminal.

The financial system may include at least one financial terminal including a CD / ATM (Cash Dispenser / Automatic Teller Machine) provided at a branch (or a branch or a main office) of the financial institution, or at least one or more affiliated with the financial institution. At least one financial terminal provided at another financial institution (or another financial institution branch), or at least one financial terminal provided at a public place, and is connected through a predetermined financial network (eg, a CD common network). In addition, the financial terminal provides a non-face-to-face financial transaction service to at least one financial transaction customer.

In addition, the financial system is characterized in that it is associated with a predetermined Internet banking server, a network (eg, wired Internet, or IEEE 802.11x-based wireless LAN, or IEEE) connected to a TCP / IP-based backbone network through the Internet banking server At least one client terminal (e.g., a personal computer (PC) or laptop equipped with the wired Internet access and browsing function) connected to an 802.16x-based portable Internet, etc., and the wireless LAN / portable Internet access and browsing function A non-face-to-face financial transaction service to at least one financial transaction customer through a laptop or mobile terminal).

In addition, the financial system is characterized in that associated with a predetermined wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, or IEEE 802.16x based portable through the wireless banking server) At least one wireless terminal (e.g., a Personal Communication System (PCS) or Global System for Mobile (GSM) terminal having access and browsing capabilities to the mobile communication network, or connected to the Internet or a DataTAC / Mobitex-based wireless data communication network, or A non-face-to-face financial transaction service is provided to at least one financial transaction customer through a PDA (Personal Digital Assistant), a smart phone, or telematics.

In addition, the financial system is characterized in that associated with a predetermined IC chip-based wireless banking server, a predetermined wireless network (for example, code division multiple access (CDMA) based mobile communication network, through the IC chip-based wireless banking server, Or IC chip to at least one financial transaction customer through at least one wireless terminal (e.g., a wireless terminal equipped with a financial IC chip) connected to an IEEE 802.16x-based portable Internet or a DataTAC / Mobitex-based wireless data communication network. Provide financial transaction services based on face-to-face.

In addition, the financial system is characterized in that associated with a predetermined telebanking server, at least one or more connected to a predetermined wired voice call network (eg, Public Switched Telephone Network (PSTN)) through the telebanking server At least one wireless communication terminal (e.g., a PCS or GSM terminal and / or smart) connected to a fixed line communication terminal (e.g., a telephone) or a predetermined wireless voice communication network (e.g., a code division multiple access (CDMA) based mobile communication network) Provide a non-face-to-face financial transaction service to at least one financial transaction customer through a phone.

Referring to FIG. 11, the financial system opens at least one financial account (eg, CMS account, etc.) to at least one financial transaction customer, and provides financial services to provide at least one financial transaction service based on the financial account. A computer system provided in an institution, which handles accounting operations such as credit or reception or trust or foreign exchange occurring in at least one branch (or counter), processing of headquarters operations, branch office information support, and customer information management. Interconnection between the information system, the financial system and at least one other financial system (or payment system), or at least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking, IC chip based wireless banking, telebanking, TV banking, etc.) And / or an external system providing various financial transaction interfaces through at least one common network (eg, CD common network, financial common network), and the financial system may include the financial system. An interface module corresponding to a middleware platform that provides inter-component interfacing, and predetermined information (e.g., ledger information, customer information, or management) required for each function in a component in the financial system. And a DBMS (DataBase Management System) including at least one database for storing and managing information.

In addition, the financial system is a foreign exchange module (not shown) according to the intention of a person skilled in the art or the type of each financial institution (for example, commercial bank, savings bank, trust bank) equipped with the financial system and the purpose and characteristics of the financial system. ), It is possible to further include at least one or more components such as investment finance module (not shown), international module (not shown), if the person skilled in the art to which the present invention belongs. Since it will be familiar with the technical details, the detailed description thereof will be omitted for convenience, thereby not limiting the present invention.

According to the present invention, the DBMS provided in the financial system is for the financial institution to open at least one financial account to at least one financial transaction customer, and to provide at least one financial transaction service based on the financial account And at least one ledger D / B for storing at least one ledger, wherein the ledger D / B is at least one ledger information for processing at least one financial transaction to be provided to the financial transaction customer by the financial institution. (Eg, customer ledger, receiving ledger, collateral ledger, etc.) and at least one ledger additional information corresponding to each ledger information (e.g., specifying or supplementing each ledger's attributes / functions) in a relational relationship. It is characterized in that it is processed and stored.

Those skilled in the art to which the present invention pertains correspond to at least one ledger information provided in the ledger D / B and each ledger information according to the type of each financial institution and the purpose and characteristic of the financial system. In addition to being familiar with at least one ledger additional information, each ledger information is stored in a relational manner, or predetermined ledger information and at least one ledger additional information are stored in a relational manner. Since it will be understood, detailed description thereof will be omitted for convenience.

According to the implementation method of the present invention, the loan support server 1100 transmits the trade transaction partner country information corresponding to the trade transaction company customer stored in the storage medium to the trade transaction partner country company customer transaction financial institution, the trade transaction Status information requesting unit 1125 for requesting trade transaction status information corresponding to the counterpart company information and status of receiving trade transaction status information corresponding to the trade partner partner company information from the counterpart company customer transaction financial institution. Information receiving units 1115 and 1130, trade transaction status information corresponding to the trading partner country information received from the trading partner country company customer financial institution, and trade transaction status information of the trading company business stored in the storage medium. Comparing and verifying the comparison / verification unit 1135 and the trade of the compared / verified trade transaction enterprise customer Extracts the trade transaction condition information corresponding to the trade status information from the storage medium, or generates the trade transaction condition information corresponding to the trade transaction status information of the trading company company by referring to the trade transaction condition information stored in the storage medium. And an information transmission unit 1155 for transmitting the extracted / generated unit 1140 and the extracted trade transaction condition information to the trade transaction company customer communication means.

The status information requesting unit 1125 transmits the trading partner country information included in the trade transaction status information of the trading company company stored in the storage medium to a predetermined trading partner country company customer trading financial institution, and performs the trade transaction. It is characterized by requesting the trade transaction status information corresponding to the enterprise information of the other country.

According to the implementation method of the present invention, the trading partner country corporate customer trading financial institution receives the trade status information from the trading customer company and the trading partner country customer characterized in that the storage and management in a predetermined storage medium.

When the trade transaction partner country corporate customer transaction financial institution receives a request for trade transaction status information corresponding to the trade customer country information from the loan support server 1100, the information shown in FIGS. 1 and 3 is registered. Extracts (or confirms) the trade transaction status information corresponding to the trading partner country company customer information stored in a predetermined storage medium through a system, and trades the trade transaction corresponding to the extracted (or confirmed) trading customer country information Status information is transmitted to the loan support server 1100.

The status information receiving unit 1115 and 1130 may receive trade transaction status information corresponding to the trading partner partner company customer information from the trading partner partner company customer transaction financial institution. The trade transaction status information corresponding to the corporate customer information is provided to the comparison / verification unit 1135.

The comparison / verification unit 1135 receives the trade transaction status information corresponding to the trade partner partner company customer information from the trade partner partner company customer transaction financial institution through the status information receiver 1115 and 1130. And compares the received trade transaction status information with the trade transaction status information of the trade transaction corporate customer stored in the storage medium, and verifies whether the transaction transaction status information is matched. to provide.

According to the implementation method of the present invention, if the trade transaction status information is the trade transaction contract information described in FIG. 3, the comparison / verification unit 1135 is a trade transaction contract received from the trading partner company enterprise customer transaction financial institution Included in the information is the name of the trade transaction enterprise customer, trade transaction enterprise customer address, trade transaction enterprise customer contact information, trade transaction enterprise customer transaction bank, trade transaction enterprise customer transaction account, trade item details, trade transaction transaction amount, trade transaction transaction Trade transaction company customer name, trade transaction company customer address, trade transaction company customer contact information, trade transaction company customer transaction bank, trade included in currency, trade transaction schedule and trade transaction contract information of the trade company stored in the storage medium. Compares the above-mentioned trade transaction by comparing the corporate customer transaction account, the item specification of the trade transaction, the amount of the trade transaction transaction, the trade transaction transaction currency, and the trade transaction schedule. If there is an item that does not match any of the contract information, the comparison / verification unit 1135 may consider that the trade transaction status information has not been verified.

The extraction / generation unit 1140 completes the comparison / verification of the trade transaction contract information (trade transaction status information) included in the loan support application information provided by the trade transaction company through the comparison / verification unit 1135. If the trade transaction condition information corresponding to the compared / verified trade transaction status information is extracted from the storage medium, or with reference to the trade transaction condition information stored in the storage medium, the trade transaction status information of the customer of the trading company It characterized in that for generating trade transaction conditions corresponding to.

Here, the trade transaction condition information may be borrowed amount and loan period by trade transaction amount, loan amount and loan period by trade transaction period, loan amount and loan period by trade transaction progress stage, by trade transaction company performance (or transaction details) It may be configured to include at least one or more loanable amount and the loan period, the amount of the loan and the period of the loan, etc. by company performance (or transaction details) of the trading partner country.

The information transmitting unit 1155 may extract the trade transaction condition information extracted / generated through the extracting / generating unit from the trade transaction corporate customer communication means (for example, e-mail, text message, wire / wireless telephone, homepage, fax, blog, mini homepage). , Messenger, etc.).

According to an embodiment of the present invention, the loan support server 1100 is provided with an interface unit 1105 for connecting and managing a predetermined communication channel with the information registration terminal through the financial network (or communication network). It is done.

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network (or communication network), the interface unit 1105 is based on a protocol stack defined in the financial network (or communication network). It is desirable to provide a communication interface for transmitting and receiving at least one information (or data) using the communication protocol defined in the financial transaction-related program provided in the window terminal and connecting a predetermined communication channel with the window terminal. .

Referring to FIG. 11, the loan support server 1100 connects a communication channel with the loan support server 1100 through the interface unit 1105 and then connects the communication unit 1105 with the interface unit 1105. An interface provider 1110 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined loan assistance application information from the information registration terminal to provide the information registration terminal to the information registration terminal; In addition to the interface unit 1105, the information receiving unit 1115 for receiving predetermined loan support application information transmitted from the information registration terminal (or selected) through the user interface and the received loan support application information; A predetermined loan is provided to the trade business customer in response to the validity confirming unit 1120 and the validated loan support application information for checking the validity. It characterized in that comprises a desired loan support 1145.

The interface providing unit 1110 connects a communication channel with the loan support server 1100 through the interface unit 1105 through the interface unit 1105 and then corresponds to the functional configuration provided in the information registration terminal. Input a loan support application information (or select) to generate a predetermined user interface that can be transmitted to the loan support server 1100 through the financial network (or communication network), or extracted from a predetermined database (not shown) And providing the user interface generated (or extracted) in conjunction with the interface unit 1105 to the information registration terminal through the financial network (or communication network).

According to another embodiment of the present invention, at least one user interface for inputting (or selecting) the loan support application information to the information registration terminal and transmitting the loan support application information to the loan support server 1100 through the financial network (or a communication network). When the predetermined information registration program is provided, the interface providing unit 1110 for providing the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

Thereafter, the information registration terminal inputs (or selects) loan support application information including at least one or more of the loan amount, loan interest rate, and loan period based on the user interface, and inputs (or selects) the loan support application. Information is transmitted to the loan support server 1100 through the financial network (or communication network).

According to an embodiment of the present invention, when the information registration terminal is a window terminal connected to a predetermined financial network (or communication network), the interface providing unit 1110 may be provided with a financial transaction related program provided in the window terminal. It is preferable to generate (or extract) a predetermined user interface, and provide the generated user interface to the window terminal through the interface unit 1105.

The information receiving unit 1115 inputs (or selects) loan support application information including at least one loan amount, loan interest rate, and loan period through the user interface in the information registration terminal to establish the financial network (or communication network). When transmitting through, it is characterized in that for receiving the loan support application information in conjunction with the interface unit 1105, and provides the received loan support application information to the validity verification unit 1120.

The validity confirming unit 1120 is characterized by checking whether the loan support application information received from the information registration terminal satisfies the validity for receiving a predetermined loan corresponding to the trade transaction status.

According to the method of the present invention, the validity of the loan support application information is whether at least one ledger information matching the loan support application information is registered in the ledger D / B on the financial system associated with the loan support system It is preferable to include checking.

For example, the validity check of the loan assistance application information may be performed to determine whether the trade transaction corporate customer information included in the loan assistance application information matches the customer ledger stored in the ledger D / B on the financial system linked to the loan assistance system. It is preferable to include what is included.

In addition, the validity check of the loan support application information confirms whether the trade transaction corporate customer account information included in the loan support application information matches the account ledger stored in the ledger D / B on the financial system linked with the loan support system. It is preferable that it consists of including.

In addition, the validity confirmation of the loan support application information is the loan amount, loan interest rate, loan period included in the loan support application information loan amount included in the loan support condition information of the trade transaction enterprise customer stored in the storage medium It is desirable to include checking whether the loan rate matches the loan interest rate and the loan period.

The loan support unit 1145 may be configured to include a predetermined loan to the trade business customer with reference to the loan support application information verified.

According to the implementation method of the present invention, the loan support unit 1145 preferably checks the loan amount corresponding to the loan support application information and deposits the confirmed loan amount into the trade transaction company customer account.

12 is a diagram illustrating a loan support process based on trade transaction status information according to another exemplary embodiment of the present invention.

In more detail, in FIG. 12, a trade transaction enterprise customer and a trade partner partner enterprise customer receive predetermined trade transaction status information (eg, trade transaction contract information) through the information registration system shown in FIGS. 1 and 3. Registered with a trading partner of a trading partner country's corporate customer transaction financial institution, and the trading transaction corporate customer is a CMS member of a financial institution equipped with a predetermined loan support system, and the trade transaction status information is stored in a storage medium on the loan support system. In the case, the loan support system requests the trade transaction status information of the trade transaction partner country customer corresponding to the trade transaction company customer from the trade transaction partner country corporate customer transaction financial institution, When the trade transaction status information corresponding to the enterprise customer information of the trading partner country is provided, Compares the trade transaction status information corresponding to the business customer information of the trading partner country with the trade transaction status information provided by the trade transaction enterprise customer, and if there is a match, the predetermined loan corresponding to the trade transaction status. After confirming the support condition from a predetermined storage medium, and notifying the trade support corporate customer of the loan support condition information, the trade transaction corporate customer advances the loan amount and loan interest rate to the loan support system through a predetermined information registration interface. When providing loan support application information including at least one loan period, etc., as a configuration of a system for supporting a predetermined loan to the trade business customers, if the person having ordinary knowledge in the technical field to which the present invention belongs By referring to or modifying this drawing 12 to support a predetermined loan to the trade business customers Ex support would be able to infer a variety of exemplary methods for the system configuration, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 12.

Hereinafter, in FIG. 12, the window terminal shown in FIG. 11 is referred to as a "terminal" for convenience, and the loan support server 1100 shown in FIG. 11 is referred to as a "server" for convenience, and the loan support in the window terminal. The loan amount, loan interest rate, and loan period transmitted to the server 1100 are referred to as "loan support application information" for convenience.

Referring to FIG. 12, the server transmits a trading partner country information included in the trading transaction status information of the trading company customer stored in the storage medium to a predetermined trading partner country company customer trading financial institution, and the trading partner country. The trade transaction status information corresponding to the enterprise information is requested (1200).

According to the implementation method of the present invention, the trading partner country corporate customer trading financial institution receives the trade status information from the trading customer company and the trading partner country customer characterized in that the storage and management in a predetermined storage medium.

When the trade transaction partner country corporate customer transaction financial institution receives a request for trade transaction status information corresponding to the trade customer country information from the loan support server 1100, the information shown in FIGS. 1 and 3 is registered. Extracts (or confirms) the trade transaction status information corresponding to the trading partner country company customer information stored in a predetermined storage medium through a system, and trades the trade transaction corresponding to the extracted (or confirmed) trading customer country information Status information is transmitted to the loan support server 1100.

The server receives trade transaction status information corresponding to the trade transaction partner country corporate customer information from the trade transaction partner country corporate customer transaction financial institution (1205), and the trade transaction partner country corporate customer from the trade transaction partner country corporate customer transaction financial institution. When the trade transaction status information corresponding to the information is received, the received trade transaction status information and the trade transaction status information of the trade transaction corporate customer stored in the storage medium are compared to verify whether they match (1210).

According to the implementation method of the present invention, if the trade transaction status information is the trade transaction contract information described in FIG. 3, the server is a trade transaction included in the trade transaction contract information received from the trading partner company enterprise customer transaction financial institution Corporate Customer Name, Trade Transaction Corporate Customer Address, Trade Transaction Corporate Customer Contact, Trade Transaction Corporate Customer Transaction Bank, Trade Transaction Corporate Customer Transaction Account, Trade Item Details, Trade Transaction Amount, Trade Transaction Currency, Trade Transaction Schedule , The name of the trade transaction company customer included in the trade transaction contract information of the trade company stored in the storage medium, trade transaction company customer address, trade transaction company customer contact information, trade transaction company customer trading bank, trade transaction company customer transaction account, trade Compare the item details, trade transaction amount, trade transaction currency, and trade transaction schedule. If any of the items do not match, the server may consider the trade transaction status information as unverified.

When the server compares / verifies the trade transaction contract information (trade transaction status information) stored in the storage medium through the comparison / verification unit 1135 (1215), the compared / verified trade Extract the trade transaction condition information corresponding to the transaction status information from the storage medium, or refer to the trade transaction condition information stored in the storage medium, and obtain trade transaction condition information corresponding to the trade transaction status information of the trading company customer. Create

Herein, the trade transaction condition information includes loan amount and loan period by trade transaction amount, loan amount and loan period by trade transaction period, loan amount and loan period by trade transaction progress stage, loan by performance (or transaction history) of trading company. It may be configured to include at least one or more of the possible amount and the loan period, the amount of the loan and the period of the loan, etc. by company performance (or transaction details) of the trading partner country.

In addition, the server extracts the trade transaction condition information extracted / generated through the extraction / generation unit into the trade transaction corporate customer communication means (for example, e-mail, text message, wire / wireless telephone, homepage, fax, blog, mini homepage, messenger, etc.). (1220).

Subsequently, the window terminal shown in FIG. 11 connects a predetermined communication channel for registering the loan assistance application information by accessing the server through a predetermined financial network (or a communication network), and based on the trade transaction condition information. When requesting the loan support application information registration for loan support (1225), the server generates (or extracts) a predetermined information registration interface for registering the loan support application information (1230), and the communication channel. The generated (or extracted) information registration interface is transmitted to the terminal through the output (1235).

According to an embodiment of the present invention, the information registration interface preferably comprises a user interface for inputting (or selecting) loan assistance application information including at least one of the loan amount, loan interest rate, and loan period in the terminal. Do.

Thereafter, the terminal inputs (or selects) loan assistance application information including at least one loan amount, loan interest rate, and loan period through the information registration interface (1240).

If the terminal receives (or selects) loan assistance application information including the loan amount, loan interest rate, and loan period through the information registration interface (1245), the terminal transmits the information through the financial network (or communication network). The loan support application information including the input (or selected) loan amount, loan interest rate, and loan period is transmitted to the server (1250).

Thereafter, the server receives and reads the loan amount, loan interest rate, and loan period through the financial network (or communication network) to check the validity of the loan support application information (1255).

According to the method of the present invention, the validity of the loan support application information is whether at least one ledger information matching the loan support application information is registered in the ledger D / B on the financial system associated with the loan support system It is preferable to include checking.

For example, the validity check of the loan assistance application information may be performed to determine whether the trade transaction corporate customer information included in the loan assistance application information matches the customer ledger stored in the ledger D / B on the financial system linked to the loan assistance system. It is preferable to include what is included.

In addition, the validity check of the loan support application information confirms whether the trade transaction corporate customer account information included in the loan support application information matches the account ledger stored in the ledger D / B on the financial system linked with the loan support system. It is preferable that it consists of including.

In addition, the validity confirmation of the loan support application information is the loan amount, loan interest rate, loan period included in the loan support application information loan amount included in the loan support condition information of the trade transaction enterprise customer stored in the storage medium It is desirable to include checking whether the loan rate matches the loan interest rate and the loan period.

If the validity of the loan assistance application information is not authenticated (1260), the server generates predetermined information registration error information and transmits it to the terminal (1265), and performs an information registration procedure corresponding to the loan assistance application information. Do not perform.

On the other hand, if the validity of the loan support application information is authenticated (1260), the server supports a predetermined loan to the trade transaction enterprise customer corresponding to the validated loan support application information (1270).

According to the implementation method of the present invention, the server checks the loan amount corresponding to the loan application information, and preferably deposits the confirmed loan amount into the trade transaction corporate customer account.

According to the present invention, by providing a corporate loan support method and system for each trade transaction, it is possible to overcome the hassle of submission documents for existing loans, and at that time necessary funds at each stage in order to receive a loan by value chain stage It has the advantage that it can solve the trouble of applying for a loan in anticipation of the loan.

Claims (5)

A trade transaction status information comparison / verification step of matching and verifying step-by-step trade transaction status information of the loan-supported company and the trade-trade partner country information of the company in the loan support server; Step-by-step loans for extracting or generating step-by-step loan support conditions-loan amount, loan period, etc. information of the loan-supported company using the step-by-step trade transaction status information of the compared / verified loan support target company in the loan support server Support condition extraction / generation step; And And a loan support processing step of providing loan support step by step to the loan support company by applying the step-by-step loan support condition extracted or generated by the loan support server. A trade transaction status information comparison / verification step of matching and verifying step-by-step trade transaction status information of the loan-supported company and the trade-trade partner country information of the company in the loan support server; Step-by-step loans for extracting or generating step-by-step loan support conditions-loan amount, loan period, etc. information of the loan-supported company using the step-by-step trade transaction status information of the compared / verified loan support company in the loan support server Support condition extraction / generation step; And And a loan support condition transfer step of transmitting the extracted or generated step-by-step loan support condition information from the loan support server to the loan support target company. The method according to claim 1 or 2, wherein the trade transaction status information comparison / verification step comprises: The loan support server receives the step-by-step trade transaction status information of the company of the trading partner country of the company through the Swift full text, and reads the received Swift full text, the step-by-step trade transaction information of the company of the trading partner country of the company Extracting; or Confirming, by the loan support server, a step-by-step trade transaction status information of a trade partner partner company of the company by interlocking with a relay server that stores and manages step-by-step trade transaction status information of the trade partner partner company of the company. Corporate loan support method for each trade transaction, characterized in that it comprises a. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. A trade transaction status information comparison / verification means for matching and verifying step-by-step trade transaction status information of a loan-supported company and the trade transaction status information of a company of a trading partner country; Means for extracting / creating loan support conditions for extracting or generating information on stage loan support conditions-loan amount, loan period, etc. of the loan support target companies by using the compared / verified loan support target company status information. ; And Loan support processing means for transmitting the extracted or generated step-by-step loan support condition information to the loan support target company or providing step-by-step loan support to the loan support target company by applying the extracted or generated step-by-step loan support condition; Business loan support system for each step of the trade transaction, characterized in that made.

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