KR20090023445A - System for managing discounting trade receivables - Google Patents

Abstract

A system for managing discounting trade receivables is provided to enable trust trade with an overseas exporting merchandiser without budget burden and loan calculation, grasp situations of trade receivables and money settlement in real time and simplify document processes through an electronic trade method. A discount processing unit(2710) transmits receivables transfer stored in a storage medium and discount application information to a communication unit of a client traded with an exporting company to request receivables transfer permission with selling receivables and receives receivables transfer permitting information of an importing company client from a terminal and refers to the receivables transfer permitting information of the importing company client to discount the receivables of the exporting company client.

Description

Receivables Discount System {System for Managing Discounting Trade Receivables}

1 is a diagram illustrating a system for registering a credit discount information in a face-to-face manner for discounting a trade receivable of an overseas exporter according to an exemplary embodiment of the present invention.

2 is a view showing the configuration of bond discount information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner to discount the trade receivables of the foreign exporter according to an embodiment of the present invention.

3 is a view showing the composition of bond discount information stored in a database linked to the ledger D / B provided in the DBMS on the financial system in a face-to-face manner to discount the trade receivables of the foreign exporter according to another embodiment of the present invention .

4 is a view showing the configuration of bond discount information stored in the DBMS provided in the banking server in a face-to-face manner in order to discount the trade receivables of the foreign exporter according to another embodiment of the present invention.

5 is a diagram illustrating a process of registering bond discount information in a face-to-face manner according to an embodiment of the present invention.

6 is a diagram illustrating a non-face-to-face bond discount information registration system for discounting trade receivables of foreign exporters according to another embodiment of the present invention.

7 is a diagram illustrating a process of registering bond discount information in a non-face-to-face manner in order to discount the trade receivables of an overseas exporter according to an embodiment of the present invention.

8A and 8B illustrate a discount on trade receivables of a foreign exporter in accordance with another embodiment of the present invention.

9 is a diagram illustrating a system for registering a discount on a bond in a face-to-face manner for discounting a trade receivable according to an exemplary embodiment of the present invention.

FIG. 10 is a view showing the structure of bond discount information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for discounting a predetermined trade receivable according to one embodiment of the present invention.

FIG. 11 is a diagram illustrating a bond discount information structure stored in a database linked to the ledger D / B provided in a DBMS on a financial system in a face-to-face manner for a predetermined discount on a trade receivable according to another exemplary embodiment of the present invention.

FIG. 12 is a diagram illustrating a bond discount information structure stored in a DBMS provided in a banking server in a face-to-face manner in order to discount a predetermined trade receivable according to another exemplary embodiment of the present invention.

13 is a diagram illustrating a process of registering bond discount information in a face-to-face manner according to an embodiment of the present invention.

14 is a diagram illustrating a non-face-to-face bond discount information registration system for discounting a predetermined trade receivable according to another embodiment of the present invention.

15 is a diagram illustrating a process of registering bond discount information in a non-face-to-face manner in order to discount a predetermined trade receivable according to one embodiment of the present invention.

16A and 16B illustrate a process of registering bond discount information in a non-face-to-face manner for discounting trade receivables of an overseas exporting company according to another exemplary embodiment of the present invention.

17 is a diagram illustrating a system for registering discount application information in a face-to-face manner for the receivable transfer and discount application according to one embodiment of the present invention.

18 is a diagram illustrating a process of registering bond transfer and discount application information in a face-to-face manner according to an embodiment of the present invention.

19 is a diagram illustrating a non-face-to-face discount application information registration system for sales receivable transfer and discount application according to another embodiment of the present invention.

20 is a diagram illustrating a process of registering bond transfer and discount application information in a non-face-to-face manner for transfer of trade receivables and discount application according to an embodiment of the present invention.

21A and 21B are views illustrating a process of registering bond transfer and discount application information in a non-face-to-face manner for sales bond transfer and discount application according to another exemplary embodiment of the present invention.

22 is a diagram illustrating a system for registering bond transfer acceptance information in a face-to-face manner for accepting bond transfer according to an embodiment of the present invention.

23 is a diagram illustrating a process of registering bond transfer acceptance information in a face-to-face manner according to an embodiment of the present invention.

24 is a diagram illustrating a non-face-to-face bond transfer acceptance information registration system for accepting bond transfer according to another embodiment of the present invention.

25 is a diagram illustrating a process of registering bond transfer acceptance information in a non-face-to-face manner for accepting bond transfer according to an embodiment of the present invention.

26A and 26B illustrate a process of registering bond transfer acceptance information in a non-face-to-face manner for accepting a bond transfer according to another exemplary embodiment of the present invention.

27 is a diagram illustrating a bond discount processing system for approving a receivable of a trade receivable and discount processing according to an embodiment of the present invention.

28 is a diagram illustrating a discount processing process for approval and transfer of sales receivables according to an embodiment of the present invention.

<Description of main parts of drawing>

2700: bond discount processing server 2705: information verification unit

2710: discount processing unit 2715: maturity confirmation unit

2720: discount approval unit 2725: payment processing unit

2730: information transmission unit 2735: information storage unit

2740: storage media

100, 900: bond discount information registration server 1700: discount application information registration server

2200: bond transfer acceptance information registration server

130, 930, 1735, 2230: storage media

The present invention provides a storage medium for storing bond transfer and discount application information including overseas customer information, sales receivable transfer application information, receivables discount application information, shipping documents information provided by the overseas export company through the terminal, and Transfer the bond transfer and discount application information stored in the storage medium to the domestic import enterprise customer communication means that deals with the foreign exporter, requesting the acceptance of the bond for the trade receivables, and accepting the bond transfer of the domestic import enterprise customer from the terminal Receiving information, and with reference to the received bond transfer acceptance information of the domestic import corporate customer, relates to a sales receivable discount system including a discount processing means for performing a bond discount processing of the foreign exporter enterprise customer.

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, in international trade, exporters have been concerned with the accurate and safe recovery of export payments, and importers have been concerned with the burden of funding the import of goods. Therefore, it is time to find a new service that solves the financial burden of exporters and importers and enables import and export transactions with credit rating alone.

An object of the present invention for solving the above problems, the bond transfer and discount application, including the customer information, export receivable transfer application information, receivables discount application information, shipping documents information provided by the overseas export company through the terminal The storage medium for storing the information, and the bond transfer and discount application information stored in the storage medium to the domestic import enterprise customer communication means that deals with the overseas export company requesting the acceptance of the bond transfer for the trade receivables, the terminal from the terminal Receivable receivable including a discount processing means for receiving the bond transfer acceptance information of a domestic import enterprise customer, and performs a bond discount processing of the foreign export enterprise customer with reference to the received bond transfer acceptance information of the domestic import enterprise customer In providing a discount system.

Trade receivables discount system according to the present invention, the information on the transfer of the bonds and discount application information, including customer information, sales receivable transfer application information, receivables discount application information, shipping documents information provided by the overseas export company through the terminal The storage medium to be stored, and the bond transfer and discount application information stored in the storage medium are transmitted to the domestic import enterprise customer communication means that deals with the foreign exporter, requesting the acceptance of the bond for the trade receivable, and the domestic import from the terminal. And a discount processing means for receiving the bond transfer acceptance information of a corporate customer and performing bond discount processing of the overseas export enterprise customer with reference to the received bond transfer acceptance information of the domestic imported corporate customer. do.

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 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 a system for registering bond discount information in a face-to-face manner for discounting trade receivables of foreign exporters according to an embodiment of the present invention.

In more detail, Figure 1 shows that a domestic import enterprise customer who has entered into a given export and export contract with a given overseas export company has a bond discount information registration system through a predetermined information registration interface, so that the overseas export company can receive domestic bonds for discount. When providing bond discount information including at least one of corporate customer information, import and export contract information, bond discount, and global CMS contract information, the domestic discount company customer information included in the bond discount information provided by the bond discount information registration system; The system configuration for storing the import and export contract information, bond discount, and global CMS contract information in a predetermined storage medium 130, if the person having ordinary knowledge in the technical field to which the present invention belongs, Figure 1 (C) the construction of a bond discount information registration system for discounting trade receivables of foreign exporters by reference or modification; Various implementation methods may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, at least one means or functional configuration for storing the bond discount information provided from the domestic import enterprise customer in the storage medium 130 through a predetermined information registration interface on the bond discount information registration system shown in FIG. The component corresponding to the " bond discount information registration server 100 " for convenience.

Referring to FIG. 1 according to the embodiment of the present invention, the bond discount information registration system for discounting the trade receivables of the overseas exporters includes a counter terminal provided in at least one financial institution branch (or branch or head office). Characterized in that it comprises an information registration terminal 135, the information registration terminal 135 is a bond discount information registration server provided on the bond discount information registration system through a predetermined financial network (or communication network) ( 100) and a communication channel are connected.

According to an exemplary embodiment of the present invention, the domestic import enterprise customer visits the financial institution branch for a discount on the trade receivable of the overseas export company, and through a window provided at the financial institution branch (or through a cashier). Fill out a prescribed application form for discounting trade receivables from overseas exporters (e.g., documents with a form for filling in at least one item of information for discounting trade receivables from overseas exporters) and send the completed application form to the counter staff. 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 bond discount information registration server 100 provided on the bond discount information registration system.

Here, the teller terminal preferably comprises a manager terminal used by the teller staff provided at the branch (or branch or main office) of the financial institution, the bond discount information registration server 100 connected to the teller terminal is the predetermined It is preferable to include a ledger server provided on the financial system, the financial network (or communication network) connecting the window terminal and the bond discount information registration server 100 is the window terminal and bond discount information registration server ( 100) preferably comprises a network for connecting the communication channel between.

In the above-described bond discount information registration system, an application prepared by the domestic import enterprise customer, a teller terminal used by the teller employee and a financial network connecting the teller terminal and the bond discount information registration server 100 (or Communication network) performs a function of an information registration interface for the domestic import enterprise customer to register bond discount information for discounting the trade receivables of the foreign exporter.

The storage medium 130 provided on the bond discount information registration system according to the present invention includes the domestic import company customer information, import and export contract information, bond discount included in the bond discount information provided from the information registration terminal 135. And storing and storing the global CMS contract information in a predetermined storage medium 130, wherein the domestic importer customer information, import and export contract information, bond discount, and global CMS contract information stored in the storage medium 130 are stored. Bond discount information including at least one is used to discount the trade receivables of the foreign exporter.

The customer information of the domestic import company is the personal information of the domestic import company customer who entered into a predetermined export and export contract with a predetermined overseas export company (for example, company name, business registration number, corporation registration number, representative, address, telephone number, mobile phone number). , E-mail address, etc.) and member information of the customer (e.g., the customer is registered on the financial system associated with the bond discount information registration system in response to the customer by subscribing as a financial transaction customer of the financial institution). It is preferable to include at least one member ID information, CIF (Customer Information File number, etc.) provided in the customer ledger, account information corresponding to the financial account opened in the name of the customer.

The import and export contract information includes the import and export-related contracts (e.g., contract details including items, quantity, period, etc., contract conclusion date, contract place, etc.) that the domestic import company customer has concluded with the overseas export company, and the foreign export company information. It is preferable to include at least one.

The bond discount and global CMS contract information may include at least one or more of the bond discount service and global CMS of the foreign exporter company, agreement terms, agreement terms, service contract period, and use account list.

According to one embodiment of the invention, the storage medium 130 is preferably provided in a DBMS on a financial system provided on the bond discount information registration system (or associated with the bond discount information registration system). At this time, the storage medium 130 may be a ledger D / B provided in the DBMS on the financial system, or may be a predefined database associated with the ledger D / B, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 130 is provided on (or associated with) the credit discount information registration system, an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. It is possible to be provided in at least one of the DBMS on the banking system, whereby the present invention is not limited.

The bond discount information registration server 100 provided on the bond discount information registration system according to the present invention is the bond discount information registration system side connected to the information registration terminal 135 through a predetermined financial network (or a communication network). Generic terms of the components may be implemented by including at least one or more servers (or devices), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), thereby the present invention This is not limited.

According to an embodiment of the present invention, when the information registration terminal 135 is a window terminal connected to a predetermined financial network (or a communication network), the bond discount information registration server 100 is a predetermined financial network (or a communication network). It may be a ledger server provided on the financial system connected to the teller terminal through, or a server (or device) provided on the external system on the financial system, or a program provided on the external system on the financial system. The present invention is not limited by this.

According to the embodiment of the present invention, the bond discount information registration server 100 is connected to the information registration terminal 135 and a predetermined communication channel through the financial network (or communication network) interface unit 105 It is characterized by comprising.

According to an embodiment of the present invention, when the information registration terminal 135 is a window terminal connected to a predetermined financial network (or communication network), the interface unit 105 is a protocol defined in the financial network (or communication network). Connecting a communication terminal with a predetermined communication channel based on a stack, and providing a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the window terminal. It is preferable.

Referring to Figure 1, the bond discount information registration server 100 after a predetermined information registration terminal 135 connects the communication channel with the bond discount information registration server 100 through the interface unit 105, The information registration terminal 135 generates (or extracts) a predetermined user interface for inputting (or selecting) predetermined bond discount information from the information registration terminal 135 in association with the interface unit 105. Information for receiving a predetermined bond discount information transmitted from the interface providing unit 110 and the interface unit 105 and the information registration terminal 135 input (or selected) through the user interface. Receiving unit 115, the validity confirming unit 120 to confirm the validity of the received bond discount information, the domestic import company customer information contained in the bond discount information confirmed validity, export Associated processing contract information, discount bond and global CMS contract information, characterized in that formed in an information storage unit 125 to store in a storage medium 130.

The interface providing unit 110 is connected to the information registration terminal 135 after a predetermined information registration terminal 135 connects the communication channel with the bond discount information registration server 100 through the interface unit 105. In response to the provided functional configuration, a predetermined user interface capable of inputting (or selecting) the bond discount information and transmitting the bond discount information to the bond discount information registration server 100 through the financial network (or the communication network), or predetermined Extract from a database (not shown), and provide the generated (or extracted) user interface to the information registration terminal 135 through the financial network (or communication network) in association with the interface unit 105. It is done.

At least one of inputting (or selecting) the bond discount information to the information registration terminal 135 and transmitting the bond discount information registration server 100 to the bond discount information registration server 100 according to another embodiment of the present invention. When the predetermined information registration program having the above user interface is provided, the interface providing unit 110 for providing the user interface to the information registration terminal 135 may be omitted, and the present invention is not limited thereto. .

Thereafter, the information registration terminal 135 inputs (or selects) bond discount information including at least one of the domestic import company customer information, import and export contract information, bond discount, and global CMS contract information based on the user interface. The bond discount information input (or selected) is transmitted to the bond discount information registration server 100 through the financial network (or communication network).

According to an embodiment of the present invention, when the information registration terminal 135 is a window terminal connected to a predetermined financial network (or a communication network), the interface providing unit 110 includes a financial transaction related program provided in the window terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the window terminal through the interface unit 105.

The information receiving unit 115 inputs (or discounts) bond discount information including at least one of domestic import company customer information, import and export contract information, bond discount, and global CMS contract information through the user interface at the information registration terminal 135. Select) and transmit it through the financial network (or a communication network), the bond discount information is received in conjunction with the interface unit 105, and the validity confirmation unit 120 receives the bond discount information. To provide.

The validity confirming unit 120 checks whether the bond discount information received from the information registration terminal 135 satisfies the validity for discounting the trade receivable of the foreign exporter.

According to an embodiment of the present invention, the validity of the bond discount information is determined by at least one ledger information matching the bond discount information in the ledger D / B on the financial system associated with the bond discount information registration system. It is preferable to include checking.

For example, the validity check of the bond discount information confirms whether the domestic import company customer information included in the bond discount information matches the customer ledger stored in the ledger D / B on the financial system linked with the bond discount information registration system. It can be made, including.

In addition, the validity check of the bond discount information confirms whether the domestic import company customer account information included in the bond discount information matches the account ledger stored in the ledger D / B on the financial system linked with the bond discount information registration system. It can be made to include.

In addition, the validity of the bond discount information is the import and export contract information registered by the foreign export company stored in the storage medium 130, the import and export contract information included in the bond discount information associated with the bond discount information registration system And confirming that the match with the.

In addition, the validity check of the bond discount information may include verifying whether the import and export contract information included in the bond discount information is matched with the import and export contract information concluded by the foreign export company in connection with the overseas export company server. Can be.

When the validity of the bond discount information is confirmed, the information storage unit 125 links the domestic import company customer information, import and export contract information, bond discount, and global CMS contract information included in the bond discount information to the storage medium. When the storage medium 130 is provided in the bond discount information registration server 100, or is provided on a network associated with the bond discount information registration server 100, The information storage unit 125 is preferably stored in the storage medium 130 by integrating the domestic import company customer information, import and export contract information, bond discount and global CMS contract information included in the received bond discount information. When the storage medium 130 is provided in the DBMS provided on the financial system, the information storage unit 125 may include the domestic import company customer information and the export / import contract included in the received bond discount information. It is desirable to provide information, bond discounts and global CMS contract information to the information system through the external system on the financial system and store it in the DBMS provided on the financial system.

2 is a view showing the composition of bond discount information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner in order to discount the trade receivables of foreign exporters according to an embodiment of the present invention.

In more detail, FIG. 2 shows the domestic imported company customer information in the ledger information provided in the ledger D / B when the storage medium 130 shown in FIG. 1 is the ledger D / B provided in the DBMS on the financial system. Shows an information structure for an implementation method in which bond discount information including import / export contract information, bond discount and global CMS contract information is stored, and a person having ordinary knowledge in the technical field to which the present invention belongs, FIG. By referring to or modifying 2, it is possible to infer various information construction methods for storing the bond discount information in the ledger D / B, but the present invention includes all the inferred implementation methods, and is shown in FIG. It is not limited to the method alone.

Referring to Figure 2 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system is a predetermined domestic import corporate customer ledger, and the account associated with the domestic imported enterprise customer ledger It is shown as including the ledger (for example, the ledger, loan ledger, etc.) and at least one information associated with the account ledger, if one of ordinary skill in the art to which the present invention belongs, DBMS on the financial system The ledger D / B provided in the at least one ledger (eg, loan ledger, mortgage ledger, ..., etc.) or the ledgers other than the domestic ledger customer ledger and account ledger shown in FIG. It will be clearly understood that at least one additional information is included, and the specific technical details will be understood. Detailed description thereof will be omitted for convenience.

The domestic import company customer ledger includes CIF (Customer Information File) number, country code, contact person ID, branch number, domestic import company customer classification, domestic import company customer name, domestic import company customer address, regional classification code, telephone number, workplace No., Trade Name, Classification Code, Expiry Date, Status Main Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Place, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW , DB, usage, parent company number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The domestic imported corporate customer ledger includes information on ledgers for domestic imported corporate customers including at least one domestic imported corporate customer, a domestic imported corporate customer, a minor, and the like.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the domestic imported corporate customer ledger, so the detailed description thereof will be omitted for convenience.

In addition, the account ledger is relationally linked with the domestic imported corporate customer ledger, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2 , Account balance, bank account number, current interest, time extension, time extension, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, non-bank account transaction, interest rate account, flat currency connection, final payment interest, It includes at least one or more of the final payment transaction number, individual interest rate reference and the final interest calculation date, etc., and includes at least one of the account number, abstention (month), period (days), period extension, maturity date and target amount corresponding to the account ledger. Periodic reception information including one or more, or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger, or the account source. Include at least one account number, transaction number, date, branch number, commodity type, transaction type, cash amount, RBI, batch number, compound transaction, date of payment, bank line, summary, CIF, etc. Including transaction history information.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

Referring to FIG. 2, the bond discount information provided through the bond discount information registration system shown in FIG. 1 is stored in the form of additional information added to the account ledger. And at least one of information, import and export contract information, bond discount, and global CMS contract information.

The domestic import company customer information is the personal information (eg, company name, business registration number, corporation registration number, representative, address, telephone number, mobile phone number of the domestic import enterprise customer who has entered a certain export and export contract with a predetermined overseas export company). , E-mail address, etc.) and member information of the customer (e.g., the customer is registered on the financial system associated with the bond discount information registration system in response to the customer by subscribing as a financial transaction customer of the financial institution). It is preferable to include at least one member ID information, CIF (Customer Information File number, etc.) provided in the customer ledger, account information corresponding to the financial account opened in the name of the customer.

The import and export contract information includes the import and export-related contracts (e.g., contract details including items, quantity, period, etc., contract conclusion date, contract place, etc.) that the domestic import company customer has concluded with the overseas export company, and the foreign export company information. It is preferable to include at least one.

Preferably, the bond discount and global CMS contract information includes at least one bond discount service of the foreign exporter and a global contract for use, terms of agreement, service contract period, and a list of accounts used.

According to another exemplary embodiment of the present invention, the bond discount information is stored in the form of information included in the account ledger (not shown), or added to another ledger other than the account ledger (for example, a domestic imported enterprise customer ledger). It is possible to be stored in the form of additional information, or in the form of information contained in the ledger other than the account ledger (for example, domestic imported corporate customer ledger), whereby the present invention is not limited.

3 is a view showing the composition of bond discount information stored in a database linked to the ledger D / B equipped in the DBMS on the financial system in a face-to-face manner to discount the trade receivables of foreign exporters according to another embodiment of the present invention .

In more detail, FIG. 3 illustrates an information structure of an embodiment in which the storage medium 130 shown in FIG. 1 is stored in a predetermined database processed in association with the ledger D / B provided in the DBMS on the financial system. As those skilled in the art to which the present invention pertains, various information configuration methods for storing the bond discount information in association with the ledger D / B and storing the bond discount information in a predetermined database by referring to or modifying the drawing 3. It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In particular, in FIG. 3, when the bond discount information is not easily stored in the ledger information of the ledger D / B on the DBMS provided on the financial system (for example, the policy of the financial institution, If it is not easy to change or the system is not easy to expand due to the characteristics of the financial system), the discount information is stored in a predetermined database instead of the ledger D / B, and the database is linked to the ledger D / B. The implementation method of processing and storing is shown.

In addition, the database shown in FIG. 3 does not need to be provided on a DBMS provided on a financial system as in the embodiment shown in FIG. 3, and the database on the Internet banking system or telebanking according to the intention of a person skilled in the art. It may be configured in the form of a database on a system, a database on a wireless banking system, or a database on a TV banking system, and the present invention is not limited thereto.

Referring to Figure 3, the database is characterized in that by storing the domestic import company customer information, import and export contract information, bond discount and global CMS contract information contained in the bond discount information, the bond discount information is It is preferable that the credit discount information further includes a CIF number corresponding to the ledger information to be linked to the ledger D / B.

The domestic import company customer information is the personal information (eg, company name, business registration number, corporation registration number, representative, address, telephone number, mobile phone number of the domestic import enterprise customer who has entered a certain export and export contract with a predetermined overseas export company). , E-mail address, etc.) and member information of the customer (e.g., the customer is registered on the financial system associated with the bond discount information registration system in response to the customer by subscribing as a financial transaction customer of the financial institution). It is preferable to include at least one member ID information, CIF (Customer Information File number, etc.) provided in the customer ledger, account information corresponding to the financial account opened in the name of the customer.

The import and export contract information includes the import and export-related contracts (e.g., contract details including items, quantity, period, etc., contract conclusion date, contract place, etc.) that the domestic import company customer has concluded with the overseas export company, and the foreign export company information. It is preferable to include at least one.

The bond discount and global CMS contract information may include at least one or more of the bond discount service and global CMS of the foreign exporter company, agreement terms, agreement terms, service contract period, and use account list.

4 is a diagram showing the composition of bond discount information stored in the DBMS provided in the banking server in a face-to-face manner for discounting the trade receivables of the foreign exporter according to another embodiment of the present invention.

In more detail, FIG. 4 shows a DBMS in which the storage medium 130 shown in FIG. 1 is provided in a predetermined banking server provided on an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. In one embodiment provided in the present invention, those skilled in the art to which the present invention belongs, discounts stored in a predetermined DBMS provided in at least one or more banking server by referring to or modifying the present invention 4 It will be possible to infer an information construction method for information, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to FIG. 4, the predetermined DBMS provided in the banking server stores and stores the domestic import company customer information, import and export contract information, bond discount, and global CMS contract information included in the bond discount information. do.

The domestic import company customer information is the personal information (eg, company name, business registration number, corporation registration number, representative, address, telephone number, mobile phone number of the domestic import enterprise customer who has entered a certain export and export contract with a predetermined overseas export company). , E-mail address, etc.) and member information of the customer (e.g., the customer is registered on the financial system associated with the bond discount information registration system in response to the customer by subscribing as a financial transaction customer of the financial institution). It is preferable to include at least one member ID information, CIF (Customer Information File number, etc.) provided in the customer ledger, account information corresponding to the financial account opened in the name of the customer.

The import and export contract information includes the import and export-related contracts (e.g., contract details including items, quantity, period, etc., contract conclusion date, contract place, etc.) that the domestic import company customer has concluded with the overseas export company, and the foreign export company information. It is preferable to include at least one.

The bond discount and global CMS contract information may include at least one or more of the bond discount service and global CMS of the foreign exporter company, agreement terms, agreement terms, service contract period, and use account list.

5 is a diagram illustrating a process of registering bond discount information in a face-to-face manner according to an embodiment of the present invention.

In more detail, FIG. 5 shows a ledger server on a financial system in which bond discount information registration server 100 on the bond discount information registration system shown in FIG. 1 is associated with a teller terminal through a predetermined financial network (or communication network). In the case of having a function), the window terminal is connected to the bond discount information registration server 100 to connect a communication channel for registering bond discount information according to the present invention, and then through the communication channel. When the bond discount information including the domestic import company customer information, import and export contract information, bond discount, and global CMS contract information is transmitted to the bond discount information registration server 100, the bond discount information registration server 100 receives the bond discount information. The domestic import company customer information, import and export contract information, bond discount and global CMS contract information included in the bond discount information stored in the predetermined storage medium 130 is implemented. As to the law, those of ordinary skill in the art to which the present invention pertains, refer to or modify the present figure 5 to register the bond discount information to the bond discount information registration server 100 at the window terminal Although the implementation method may be inferred, the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in Fig. 5, the window terminal shown in Fig. 1 will be referred to as a " terminal " for convenience, and the bond discount information registration server 100 shown in Fig. 1 will be referred to as " server " for convenience. The domestic import company customer information, import and export contract information, bond discount and global CMS contract information transmitted to the bond discount information registration server 100 is referred to as "bond discount information" for convenience.

Referring to Fig. 5, the window terminal shown in Fig. 1 is connected to the server through a predetermined financial network (or communication network) to connect a predetermined communication channel for registering the bond discount information, and the foreign export When requesting the bond discount information registration for discounting the trade receivables of the company (500), the server generates (or extracts) a predetermined information registration interface for registering the bond discount information (505), and establishes the communication channel. The generated (or extracted) information registration interface is transmitted to the terminal and output (510).

According to an embodiment of the present invention, the information registration interface inputs (or selects) bond discount information including at least one of the domestic import company customer information, import and export contract information, bond discount, and global CMS contract information. It is preferred to include a user interface.

Thereafter, the terminal inputs (or selects) bond discount information including at least one domestic import company customer information, import / export contract information, bond discount, and global CMS contract information through the information registration interface (515).

If the terminal receives (or selects) bond discount information including the domestic importer customer information, import and export contract information, bond discount, and global CMS contract information through the information registration interface (520), the terminal is the financial unit. Through the network (or communication network), the credit discount information including the input (or selected) domestic import company customer information, import and export contract information, bond discount and global CMS contract information is transmitted to the server (525).

Thereafter, the server receives and reads the domestic import company customer information, import and export contract information, bond discount, and global CMS contract information through the financial network (or communication network) to confirm the validity of the bond discount information (530). .

According to an embodiment of the present invention, the validity of the bond discount information is determined by at least one ledger information matching the bond discount information in the ledger D / B on the financial system associated with the bond discount information registration system. It is preferable to include checking.

For example, the validity check of the bond discount information confirms whether the domestic import company customer information included in the bond discount information matches the customer ledger stored in the ledger D / B on the financial system linked with the bond discount information registration system. It can be made, including.

In addition, the validity check of the bond discount information confirms whether the domestic import company customer account information included in the bond discount information matches the account ledger stored in the ledger D / B on the financial system linked with the bond discount information registration system. It can be made to include.

In addition, the validity of the bond discount information is the import and export contract information registered by the foreign export company stored in the storage medium 130, the import and export contract information included in the bond discount information associated with the bond discount information registration system And confirming that the match with the.

In addition, the validity check of the bond discount information may include verifying whether the import and export contract information included in the bond discount information is matched with the import and export contract information concluded by the foreign export company in connection with the overseas export company server. Can be.

If the validity of the bond discount information is not authenticated (535), the server generates predetermined information registration error information and transmits it to the terminal (540), and does not perform an information registration procedure corresponding to the bond discount information. Do not.

On the other hand, if the validity of the bond discount information is authenticated (535), the server performs the information registration procedure corresponding to the bond discount information, the domestic import company customer information, import and export contract information, bond discount and global CMS contract information In step 545, the data is stored in a predetermined storage medium 130.

According to one embodiment of the invention, the storage medium 130 is preferably provided in a DBMS on a financial system provided on the bond discount information registration system (or associated with the bond discount information registration system). At this time, the storage medium 130 may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 130 is provided on (or associated with) the credit discount information registration system, an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. It is possible to be provided in at least one of the DBMS on the banking system, whereby the present invention is not limited.

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (550), thereby completing the procedure of registering the bond discount information transmitted from the terminal.

6 is a diagram illustrating a non-face-to-face bond discount information registration system for discounting trade receivables of an overseas exporting company according to another embodiment of the present invention.

In more detail, Figure 6 shows that a domestic import enterprise customer who has entered into a given export and export contract with a given overseas export company has a discount information registration system through a prescribed information registration interface, so that the foreign trade company can obtain a discount on the trade receivables of the overseas export company. When providing bond discount information including at least one of corporate customer information, import and export contract information, bond discount, and global CMS contract information, the domestic discount company customer information included in the bond discount information provided by the bond discount information registration system; A system configuration for linking import / export contract information, bond discount, and global CMS contract information to be stored in a predetermined storage medium 630. Those skilled in the art to which the present invention pertains will see FIG. Regarding the composition of the bond discount information registration system for discounting the trade receivables of foreign exporters Would be able to infer the various method embodiments, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 6.

Hereinafter, at least one means or functional configuration for storing the bond discount information provided from the domestic import enterprise customer in the storage medium 630 through a predetermined information registration interface on the bond discount information registration system shown in FIG. The component corresponding to the term " bond discount information registration server " for convenience.

Referring to FIG. 6 according to an embodiment of the present invention, a bond discount information registration system for discounting trade receivables of an overseas exporter is a client terminal including at least one wired terminal or a wireless terminal used by a domestic import enterprise customer. And an information registration terminal 635 including at least one or more, wherein the information registration terminal 635 registers discount information provided on the bond discount information registration system through a predetermined network means. The communication channel with the server is connected.

According to an exemplary embodiment of the present invention, the domestic import enterprise customer accesses the bond discount information registration server 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, When the bond discount information for the trade receivable discount of the foreign exporter is input (or selected) through at least one user interface provided by the bond discount information registration server, the bond discount is performed through a predetermined network means at the client terminal. It is preferable to transmit to the bond discount information registration server provided on the information registration system.

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 bond discount information registration server 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.

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

The client terminal may output at least one user interface provided by the bond discount information registration server, and input or select at least one or more information through the user interface to transmit the bond discount information registration server to the bond discount information registration server. (E.g., a browser program and a communication function, or a predetermined communication program and a communication function to communicate with the bond discount information registration server, etc.) are preferably 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 bond discount information registration system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the domestic import enterprise customer, and at least one wireline connecting the client terminal and the bond discount information registration server. The communication network or the wireless communication network performs a function of an information registration interface for the domestic import enterprise customer to register bond discount information for discounting the trade receivable of the foreign exporter.

According to another exemplary embodiment of the present invention, the information registration terminal 635, in addition to the client terminal, an automatic teller machine (ATM) and an automatic cash machine connected to a predetermined financial network (for example, a financial common network). It may further include an automated teller machine (not shown) including a cash dispenser (CD), or a fixed telephone network such as a public switched telephone network (PSTN) or a voice over IP (VoIP) network. It further comprises a predetermined call terminal (not shown) connected, or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, or affiliated with the financial institution It may further include a terminal (or server) (not shown) provided in at least one or more organizations, by which the present invention is not limited.

In the above bond discount information registration system, when the information registration terminal 635 is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the bond The financial network connecting the discount information registration server performs a function of an information registration interface for the domestic import enterprise customer to register bond discount information for discounting the trade receivables of the overseas export company, or the information registration terminal 635. In the case of the call terminal (not shown), a wired telephone network or a wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the bond discount information registration server may be used by the domestic import enterprise customer. Performs a function of an information registration interface for registering bond discount information for discounting trade receivables of an exporting company, or the information registration terminal 635 In the case of a terminal (or server) (not shown) provided in an institution affiliated with the financial institution, the terminal (or server) (not shown) and the terminal (or server) (not shown) and the bond discount information The network connecting the registration server performs a function of an information registration interface for the domestic import corporate customer to register bond discount information for discounting the trade receivables of the foreign exporter.

The storage medium 630 provided on the bond discount information registration system according to the present invention includes the domestic import company customer information, import / export contract information, bond discount included in the bond discount information provided from the information registration terminal 635. And storing and storing the global CMS contract information in a predetermined storage medium 630, wherein the domestic importer customer information, import and export contract information, bond discount, and global CMS contract information stored in the storage medium 630 are stored. Bond discount information including at least one is used to discount the trade receivables of the foreign exporter.

The domestic import company customer information is the personal information (eg, company name, business registration number, corporation registration number, representative, address, telephone number, mobile phone number of the domestic import enterprise customer who has entered a certain export and export contract with a predetermined overseas export company). , E-mail address, etc.) and member information of the customer (e.g., the customer is registered on the financial system associated with the bond discount information registration system in response to the customer by subscribing as a financial transaction customer of the financial institution). It is preferable to include at least one member ID information, CIF (Customer Information File number, etc.) provided in the customer ledger, account information corresponding to the financial account opened in the name of the customer.

The import and export contract information includes the import and export-related contracts (e.g., contract details including items, quantity, period, etc., contract conclusion date, contract place, etc.) that the domestic import company customer has concluded with the overseas export company, and the foreign export company information. It is preferable to include at least one.

The bond discount and global CMS contract information may include at least one or more of the bond discount service and global CMS of the foreign exporter company, agreement terms, agreement terms, service contract period, and use account list.

Here, the Global CMS utilizes the Internet-based foreign currency settlement system and SWIFT to efficiently integrate foreign currency funds scattered in various countries around the world through the Internet and SWIFT methods. It is a service to manage, characterized in that it comprises at least one or more in real time account inquiry, transfer, fund concentration / distribution, foreign account virtual account deposits, balance settlement, trade receivables discount, etc. in the export competition.

According to one embodiment of the invention, the storage medium 630 is preferably provided in a DBMS on a financial system provided on the bond discount information registration system (or associated with the bond discount information registration system). At this time, the storage medium 630 may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 630 is provided on (or associated with) the credit discount information registration system, an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. It is possible to be provided in at least one of the DBMS on the banking system, whereby the present invention is not limited.

The bond discount information registration server provided on the bond discount information registration system according to the present invention is a generic term for the bond discount information registration system side component connected to the information registration terminal 635 through a predetermined network means. It may be implemented by including one or more servers (or devices), 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 exemplary embodiment of the present invention, when the information registration terminal 635 is a client terminal including a wired terminal or a wireless terminal connectable to an Internet banking server on a predetermined internet banking system, the bond discount information registration server may be used in the Internet. Is a predetermined Internet banking server provided on a banking system, a program provided in the Internet banking server, or a predetermined server (or device) accessible to the external system of the financial system through the Internet banking system; A program included in a server (or device), or a server (or device) provided in an external system on the financial system accessible through the Internet banking server (or the server (or device)), or on the financial system. It may be a program provided in the external system, whereby the present invention is not limited The.

According to another embodiment of the present invention, when the information registration terminal 635 is a client terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the bond discount information registration server is the wireless banking system. Is a predetermined wireless banking server provided on the program, a program provided in the wireless banking server, or a predetermined server (or device) accessible to the external system of the financial system through the wireless banking system, or the server ( Or a server (or device) provided in an external system on the financial system accessible through the wireless banking server (or the server (or device)), or an external system on the financial system. It may be a program provided in, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal 635 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the bond discount information registration server may be used in the telebanking system. A predetermined telebanking server (eg, an Automatic Response Service (ARS) server) provided in the program, a program provided in the telebanking server, or a predetermined external access to the external system of the financial system through the telebanking system. A server (or device) of a server, a program included in the server (or device), or a server (or an external device on the financial system accessible through the telebanking server (or the server (or device)). Device) or a program included in the external system on the financial system, whereby the present invention is not limited thereto. .

According to another embodiment of the present invention, when the information registration terminal 635 is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the bond discount information registration server is the TV. A predetermined TV banking server provided on a banking system, a program provided in the TV banking server, or a predetermined server (or device) accessible to the external system of the financial system through the TV banking system; A program provided in a server (or device), or a server (or device) provided in an external system on the financial system accessible through the TV banking server (or the server (or device)), or on the financial system. It may be a program provided in the external system, whereby the present invention is not limited.

According to the method of the present invention, the bond discount information registration server is characterized in that it comprises an interface unit 605 for connecting and managing a predetermined communication channel with the information registration terminal 635 through the network means. do.

According to an embodiment of the present invention, when the information registration terminal 635 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 605 is a protocol defined in the wired communication network or a wireless communication network. It is preferable to connect a predetermined communication channel with the client terminal based on a stack, and to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal. Do.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 605 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 bond discount information registration server, the interface unit 605 communicates with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal 635 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 605 uses a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with the 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 605 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 bond discount information registration server, the interface unit 605 communicates with the client terminal based on the CDMA 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 exemplary embodiment of the present invention, when the information registration terminal 635 is a financial automation device connected to a predetermined financial network, the interface unit 605 is based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for transmitting and receiving at least one information (or data) by connecting a predetermined communication channel with the automated teller machine and using a communication protocol defined in a financial transaction related program included in the automated teller machine. .

According to another exemplary embodiment of the present invention, when the information registration terminal 635 is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 605 is defined in the wired telephone network or a wireless telephone network. It is preferable to connect the call terminal (not shown) with a predetermined call path based on the established voice call protocol and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 605 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the call path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

According to another exemplary embodiment of the present invention, when the information registration terminal 635 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 605 is a protocol defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or bidirectional digital TV) based on the stack, and use the communication protocol defined in the communication program included in the wired terminal (or bidirectional digital TV) at least one or more information (or It is desirable to provide a communication interface for transmitting and receiving data.

Referring to FIG. 6, the bond discount information registration server connects a communication channel with the bond discount information registration server through a predetermined information registration terminal 635 through the interface unit 605, and then the interface unit 605. Interface providing unit for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined bond discount information from the information registration terminal 635 to the information registration terminal 635. 610 and an information receiving unit 615 which receives predetermined bond discount information transmitted from the information registration terminal 635 through the user interface in association with the interface unit 605 and transmitted; The domestic import company customer information, import and export contract information, bond discount and global CMS contract information included in the received bond discount information to process in conjunction with the predetermined storage medium 630 to store An information storage unit 625 is provided.

The interface providing unit 610 has a function provided in the information registration terminal 635 after a predetermined information registration terminal 635 connects a communication channel with the bond discount information registration server through the interface unit 605. Generate a predetermined user interface capable of inputting (or selecting) the bond discount information corresponding to the configuration and transmitting it to the bond discount information registration server through the network means, or extracting from a predetermined database (not shown), It is characterized in that it provides the user interface generated (or extracted) in conjunction with the interface unit 605 to the information registration terminal 635 via the network means.

Thereafter, the information registration terminal 635 inputs (or selects) bond discount information including at least one of the domestic import company customer information, import and export contract information, bond discount, and global CMS contract information based on the user interface. The bond discount information inputted (or selected) is transmitted to the bond discount information registration server through the financial network.

According to an embodiment of the present invention, when the information registration terminal 635 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 610 may be configured as the client. It is preferable to generate (or extract) a predetermined user interface that can be provided by a browser program or a communication program provided in the terminal, and provide the generated (or extracted) user interface to the client terminal through the interface unit 605. Do.

According to another exemplary embodiment of the present invention, when the information registration terminal 635 is a financial automation device connected to a predetermined financial network, the interface providing unit 610 may be a financial transaction related program provided in the financial automation device. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the ATM using the interface unit 605.

According to another embodiment of the present invention, when the information registration terminal 635 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 610 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided as a program or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 605.

According to another exemplary embodiment of the present invention, when the information registration terminal 635 is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 610 is the call terminal (not shown). Generates (or extracts) a predetermined user interface that can be provided to the call, and converts the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 605. It is desirable to provide.

According to another embodiment of the present invention, when the information registration terminal 635 is a wired terminal (or two-way digital TV) connected to the TV banking system, the interface providing unit 610 is the wired terminal (or two-way digital). It is preferable to generate (or extract) a predetermined user interface that can be provided to a TV) and to provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 605. .

According to another embodiment of the present invention, the predetermined information having at least one user interface for inputting (or selecting) the bond discount information to the information registration terminal 635 and transmitting the bond discount information to the bond discount information registration server through the network means. If the information registration program is provided, the interface providing unit 610 for providing the user interface to the information registration terminal 635 may be omitted, thereby not limited to the present invention.

The information receiver 615 inputs bond discount information including at least one of domestic import company customer information, import and export contract information, bond discount, and global CMS contract information through the user interface at the information registration terminal 635 (or Select) to transmit the bond discount information in cooperation with the interface unit 605, and provide the received bond discount information to the validity confirming unit 620.

The validity check unit 620 is characterized in that whether the bond discount information received from the information registration terminal 635 satisfies the validity for the receivables discount of the foreign exporter.

According to an embodiment of the present invention, the validity of the bond discount information is determined by at least one ledger information matching the bond discount information in the ledger D / B on the financial system associated with the bond discount information registration system. It is preferable to include checking.

For example, the validity check of the bond discount information confirms whether the domestic import company customer information included in the bond discount information matches the customer ledger stored in the ledger D / B on the financial system linked with the bond discount information registration system. It can be made, including.

In addition, the validity check of the bond discount information confirms whether the domestic import company customer account information included in the bond discount information matches the account ledger stored in the ledger D / B on the financial system linked with the bond discount information registration system. This can be done, including.

In addition, the validity of the bond discount information is the import and export contract information registered by the foreign export company stored in the storage medium 630, the import and export contract information included in the bond discount information associated with the bond discount information registration system And confirming that the match with the.

In addition, the validity check of the bond discount information may include verifying whether the import and export contract information included in the bond discount information is matched with the import and export contract information concluded by the foreign export company in connection with the overseas export company server. Can be.

When the validity of the bond discount information is confirmed, the information storage unit 625 processes the domestic import company customer information, import and export contract information, bond discount, and global CMS contract information included in the bond discount information in the storage medium. And the storage medium 630 is provided in the bond discount information registration server or on the network associated with the bond discount information registration server. ) Is preferably stored in the storage medium 630 by integrating the domestic import company customer information, import and export contract information, bond discount and global CMS contract information included in the received bond discount information, the storage medium 630 ) Is provided in the DBMS provided on the financial system, the information storage unit 625 is a domestic import company customer information, import and export contract information, included in the received discount information; A volume discount, and CMS global contract information via the FEP system on the financial system provided to step information is preferably stored in a DBMS provided on the financial system.

7 is a diagram illustrating a process of registering bond discount information in a non-face-to-face manner in order to discount the trade receivables of an overseas exporter according to an embodiment of the present invention.

In more detail, FIG. 7 shows a case where the bond discount information registration server on the bond discount information registration system shown in FIG. 6 has a web server function to which a client terminal can be connected through a predetermined network means. After connecting to the bond discount information registration server and connecting a communication channel for registering bond discount information according to the present invention, the domestic import company customer information, import and export contract information, bonds to the bond discount information registration server through the communication channel When the bond discount information including discount and global CMS contract information is transmitted, domestic import company customer information, import and export contract information, bond discount and global CMS contract information included in the received bond discount information from the bond discount information registration server The present invention relates to an implementation method of storing the data in a predetermined storage medium 630 by linkage processing. Those skilled in the art will be able to infer various implementation methods for registering the bond discount information from the client terminal to the bond discount information registration server by referring to or modifying the present invention. Includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 7, the client terminal shown in FIG. 6 is referred to as "terminal" for convenience, and the bond discount information registration server shown in FIG. 6 is called "server" for convenience, and the bond discount information in the client terminal. The domestic import company customer information, import and export contract information, bond discount and global CMS contract information transmitted to the registration server is referred to as "bond discount information" for convenience.

Referring to FIG. 7, the client terminal illustrated in FIG. 6 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, and when the client terminal is a wireless terminal, CDMA based mobile). Connect a predetermined communication channel for registering the bond discount information by accessing the server through a communication network or an IEEE 802.16x based portable Internet), and registering the bond discount information for discounting the trade receivable of the foreign exporter. Upon request (700), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the bond discount information (705), and generates (or extracts) the web through the communication channel. The page is transmitted to the terminal for output (710).

According to an embodiment of the present invention, the information registration interface inputs (or selects) bond discount information including at least one of the domestic import company customer information, import and export contract information, bond discount, and global CMS contract information. It is preferred to include a user interface.

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

Thereafter, the terminal inputs (or selects) bond discount information including at least one domestic import company customer information, import / export contract information, bond discount, and global CMS contract information through the information registration interface (715).

If the terminal receives (or selects) bond discount information including the domestic import company customer information, import / export contract information, bond discount, and global CMS contract information through the information registration interface (720), the terminal communicates with the communication. The input (or selection) of the domestic import company customer information, import and export contract information, bond discount and global CMS contract information is transmitted to the server through the channel (725).

According to the implementation method of the present invention, transmitting the input (or selection) of the domestic import company customer information, import and export contract information, discounts and global CMS contract information to the server through the communication channel, the information registration interface The electronic device may further include transmitting the discount information input (or selected) through an electronic signature or encryption through a security module provided in the terminal, and transmitting the electronic device to the server.

Thereafter, the server receives and reads the domestic import company customer information, import and export contract information, bond discount, and global CMS contract information through the communication channel to verify the validity of the bond discount information (730).

According to the method of the present invention, confirming the validity of the bond discount information, when the bond discount information is electronically signed or encrypted through a security module provided in the terminal, decrypt the bond discount information, or It may further comprise decoding the bond discount information.

According to an embodiment of the present invention, the validity of the bond discount information is determined by at least one ledger information matching the bond discount information in the ledger D / B on the financial system associated with the bond discount information registration system. It is preferable to include checking.

For example, the validity check of the bond discount information confirms whether the domestic import company customer information included in the bond discount information matches the customer ledger stored in the ledger D / B on the financial system linked with the bond discount information registration system. It can be achieved, including.

In addition, the validity check of the bond discount information confirms whether the domestic import company customer account information included in the bond discount information matches the account ledger stored in the ledger D / B on the financial system linked with the bond discount information registration system. It can be made to include.

In addition, the validity of the bond discount information is the import and export contract information registered by the foreign export company stored in the storage medium 630, the import and export contract information included in the bond discount information associated with the bond discount information registration system And confirming that the match with the.

In addition, the validity check of the bond discount information may include verifying whether the import and export contract information included in the bond discount information is matched with the import and export contract information concluded by the foreign export company in connection with the overseas export company server. You can ..

If the validity of the bond discount information is not authenticated (735), the server generates a web page including predetermined information registration error information and transmits it to the terminal (740), the information corresponding to the bond discount information Do not perform the registration process.

On the other hand, if the validity of the bond discount information is authenticated (735), the server performs the information registration procedure corresponding to the bond discount information, the domestic import company customer information, import and export contract information, bond discount and global CMS contract information In operation 745, the data is stored in a predetermined storage medium 630.

According to one embodiment of the invention, the storage medium 630 is preferably provided in a DBMS on a financial system provided on the bond discount information registration system (or associated with the bond discount information registration system). At this time, the storage medium 630 may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 630 may be provided on (or associated with) a credit discount information registration system, an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. It is possible to be provided in at least one of the DBMS on the banking 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 (750), thereby completing the procedure of registering the bond discount information transmitted from the terminal.

8A and 8B illustrate a process of registering bond discount information in a non-face-to-face manner for discounting a trade receivable of an overseas exporter according to another exemplary embodiment of the present invention.

In more detail, FIGS. 8A and 8B illustrate a case where a bond discount information registration system shown in FIG. 6 is realized through an Internet banking system among non-face-to-face channel-based banking systems. After accessing the Internet banking server and performing a predetermined customer authentication procedure through the Internet (for example, the Internet), the client terminal transmits predetermined bond discount information for discounting the trade receivable of the foreign exporter to the Internet banking server. When the bond discount information including domestic import company customer information, import / export contract information, bond discount, and global CMS contract information is transmitted, the domestic company of domestic import company included in the bond discount information received from the bond discount information registration server; Export and import contract information, bond discount, and global CMS contract information to be processed and stored in a predetermined storage medium (630) As a method of implementation, those of ordinary skill in the art to which the present invention pertains may refer to or modify the drawings 8a and 8b to register the bond discount information in the bond discount information registration server in the client terminal. Various implementation methods may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 8A and 8B.

That is, in FIG. 8A and FIG. 8B, when accessing the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer or Netscape's Netscape Navigator, etc.) included in the client terminal, the browser program is based on the browser program. Although an implementation method of connecting an internet banking-based financial transaction channel for registering bond discount information between the client terminal and the Internet banking server is illustrated, the present invention belongs to those of ordinary skill in the art. Refer to or modify the Internet banking-based financial transaction channel connection method using the browser program shown in FIG. 8b and register bond discount information between the client terminal and the internet banking server based on a predetermined internet banking program mounted on the client terminal. top Would be able to infer the exemplary method for connecting the Internet banking based financial transaction channel, the present invention includes an Internet banking based financial transaction provided based on the Internet banking program, to which the present invention is not limited.

In addition, those skilled in the art to which the present invention pertains, refer to or modify the Internet banking-based financial transaction channel connection method shown in Figs. Another banking system, such as a banking system or a TV banking system, may infer an implementation method of connecting a non-face-to-face channel-based financial transaction channel for registering bond discount information, but the present invention may provide a telebanking system or a wireless banking system or a TV. It includes all kinds of non-face-to-face channel-based financial transactions, including banking system or future proposed non-face-to-face banking system, the technical configuration of the present invention is limited to the case of the Internet banking shown in Figures 8a and 8b Never.

8A and 8B, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the bond discount information registration server is referred to as " server " for convenience.

8A and 8B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (800a), the server communicates between the terminal and the server through the browser. (805a), where the communication channel is a web page generated (or extracted) by a request of a browser program provided in the terminal to the terminal and transmitted to the terminal, the browser provided in the terminal It means that a predetermined communication session is allocated so that a program can receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page.

According to another embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server is based on the predetermined communication protocol defined in the internet banking program and at least one or more information ( Or a communication channel for transmitting / receiving data).

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal on a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, or the security module. By adding a predetermined script for checking whether or not to update the terminal and providing it to the terminal, it is checked whether a predetermined security module for internet banking is installed in the terminal or whether the security module is to be updated ( 810a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information or the last update date, etc., from the internet banking program, thereby providing the Internet banking program (or the Internet banking program). It can be checked whether or not to update the security module associated with the module.

If a predetermined security module is mounted or updated in the terminal (815a), the server transmits and mounts the latest version of the security module for internet banking to the terminal according to a remote program installation procedure defined in the browser program. Or update 820a.

If the terminal does not need to install or update the latest version of the Internet banking security module (825a), or if the terminal does not need to load or update the Internet banking security module (815a), the server is mounted on the terminal. By activating the security module for the Internet banking, the Internet banking security channel is connected between the terminal and the server (or the communication channel between the terminal and the server to a secure channel) (830a), where the security channel for the Internet banking Attach a predetermined electronic signature to information (or data) required for security among information (or data) included in the web page to be provided to the terminal from the server or encrypt using at least one encryption method (or encryption algorithm). If provided, the terminal confirms the digital signature or corresponds to the encryption scheme (or encryption algorithm). It means a communication channel to decode the information (or data) by a predetermined decryption method (or decryption algorithm), and the predetermined electronic information to the information (or data) to be provided to the server to register the bond discount information in the terminal When the signature is attached or encrypted by at least one encryption method (or encryption algorithm) and transmitted, the server verifies the digital signature or a predetermined decryption method (or decryption algorithm) corresponding to the encryption method (or encryption algorithm). ) Means a communication channel for decoding the information (or data).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or If a predetermined digital signature is attached to the data) or encrypted and provided by at least one encryption method (or an encryption algorithm), the terminal confirms the electronic signature or a predetermined function corresponding to the encryption method (or an encryption algorithm). Means a communication channel for decrypting the information (or data) by means of a decryption method (or decryption algorithm), and a predetermined digital signature is provided in the information (or data) to be provided to the server for registering the bond discount information in the terminal. Or at least one encryption method (or And encrypting the data using an encryption algorithm), so that the server verifies the digital signature or decrypts the information (or data) with a predetermined decryption method (or decryption algorithm) corresponding to the encryption method (or encryption algorithm). It means communication channel.

According to the present invention, the security module is characterized by performing an electronic signature attachment, encryption, or decryption function for the information (or data) by using the customer's authorized certificate mounted on the terminal.

When the secure channel for internet banking is connected, the server requests the terminal to perform an Internet banking customer authentication procedure through the browser program (835a).

According to an exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (eg, ID / PW, customer number, etc., registered by the customer during the internet banking application process) through the terminal. ) Is input (or generated) and transmitted to the server, wherein the server comprises authenticating a customer connected through the terminal as an internet banking customer based on the customer authentication data, wherein the customer authentication data It is preferable that the digital signature or encrypted is transmitted through the secure channel.

According to another exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (for example, an ID / PW or customer number registered by the customer during the internet banking application process) through the terminal. And the like) are input (or generated) and transmitted to the authentication server, the authentication server authenticates the customer connected through the terminal as the Internet banking customer based on the customer authentication data, and provides the result to the server. In this case, it is preferable that the customer authentication data include public certificate-based authentication data, and the authentication server is a server for authenticating the public certificate-based authentication data.

Thereafter, the terminal inputs (or generates) predetermined customer authentication data in response to the request, requests an electronic banking customer authentication by electronically signing or encrypting the data through the security module, and transmitting the same to the server (or authentication server) (840a). In operation 845a, the server (or authentication server) authenticates a customer connected through the terminal as an internet banking customer for a non-face-to-face financial transaction based on the customer authentication data received from the terminal.

If the Internet banking customer authentication fails (850a), the server blocks the Internet banking secure channel for the terminal (855a), so that the Internet banking-based financial transaction is not made through the terminal.

On the other hand, if the Internet banking customer authentication is successful (850a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel into an internet banking-based financial transaction channel (860a), where the Internet banking based The financial transaction channel refers to a communication channel that transmits and registers predetermined bond discount information for discounting trade receivables of an overseas exporter from the terminal to the server.

Subsequently, when the terminal requests internet banking-based bond discount information registration to the server through the inter-banking-based financial transaction channel for registration of bond discount information (800b), the server provides a predetermined number for registering the bond discount information. A web page corresponding to the information registration interface is generated (or extracted) (805b), and the generated (or extracted) web page is transmitted to the terminal through the internet banking-based financial transaction channel (810b).

According to an embodiment of the present invention, the information registration interface is an interface for inputting (or selecting) bond discount information including at least one of domestic import company customer information, import and export contract information, bond discount, and global CMS contract information in the terminal. It is preferable to include, or a predetermined password (eg, account password, etc.) or security code (eg, the Internet) to confirm the validity of the Internet banking customer requesting registration of the bond discount information or the bond discount information A security code printed on a security card issued to a customer during the banking application process, or an OTP (One Time Password) (for example, an Internet banking application process (or after an internet banking application). It further includes an interface for inputting a one-time password generated through the authentication program) It is preferable.

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

Thereafter, the terminal inputs (or selects) bond discount information including at least one of the domestic importer customer information, the import and export contract information, the bond discount, and the global CMS contract information through the information registration interface (815b).

If the terminal receives (or selects) bond discount information including the domestic importer enterprise information, import / export contract information, bond discount, and global CMS contract information through the information registration interface (820b), The credit discount information input (or selected) is transmitted to the server through a financial transaction channel (825b).

According to an embodiment of the present invention, transmitting the bond discount information input (or selected) through the financial transaction channel to the server may include the bond discount information input (or selected) through the information registration interface. It comprises a digital signature or encryption through the security module provided in the transmission to the server.

Thereafter, the server receives and reads the bond discount information through the financial transaction channel to confirm the validity of the bond discount information (830b).

According to the method of the present invention, confirming the validity of the bond discount information, when the bond discount information is electronically signed or encrypted through a security module provided in the terminal, decrypt the bond discount information, or It may further comprise decoding the bond discount information.

In addition, the validity check of the bond discount information, preferably, further comprises authenticating a password or security code or OTP included in the bond discount information.

According to an embodiment of the present invention, the validity of the bond discount information is determined by at least one ledger information matching the bond discount information in the ledger D / B on the financial system associated with the bond discount information registration system. It is preferable to include checking.

For example, the validity check of the bond discount information confirms whether the domestic import company customer information included in the bond discount information matches the customer ledger stored in the ledger D / B on the financial system linked with the bond discount information registration system. It can be made, including.

In addition, the validity check of the bond discount information confirms whether the domestic import company customer account information included in the bond discount information matches the account ledger stored in the ledger D / B on the financial system linked with the bond discount information registration system. It can be made to include.

In addition, the validity of the bond discount information is the import and export contract information registered by the foreign export company stored in the storage medium 630, the import and export contract information included in the bond discount information associated with the bond discount information registration system And confirming that the match with the.

In addition, the validity check of the bond discount information may include verifying whether the import and export contract information included in the bond discount information is matched with the import and export contract information concluded by the foreign export company in connection with the overseas export company server. Can be.

If the validity of the bond discount information is not authenticated (835b), the server generates a web page including predetermined bond discount information registration error information and transmits it to the terminal (840b), and corresponds to the bond discount information. Do not perform the information registration procedure.

On the other hand, if the validity of the bond discount information is authenticated (835b), the server performs an information registration procedure corresponding to the bond discount information, so that the domestic import company customer information, import and export contract information, bonds included in the bond discount information The discount and global CMS contract information are cooperatively processed and stored in a predetermined storage medium 630 (845b).

According to one embodiment of the invention, the storage medium 630 is preferably provided in a DBMS on a financial system provided on the bond discount information registration system (or associated with the bond discount information registration system). At this time, the storage medium 630 may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 630 may be provided on (or associated with) a credit discount information registration system, an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. It is possible to be provided in at least one of the DBMS on the banking system, whereby the present invention is not limited.

Subsequently, the server generates a web page including predetermined bond discount information registration history information and transmits it to the terminal (850b), thereby completing the bond discount information registration transmitted from the terminal.

FIG. 9 is a diagram illustrating a system for registering bond discount information in a face-to-face manner for discounting a trade receivable according to one embodiment of the present invention.

In more detail, Figure 9 shows that an overseas export enterprise customer who has entered into a predetermined import and export contract with a given domestic import company has a discount information registration system through a predetermined information registration interface. When providing bond discount information including at least one of import and export contract information, bond discount and global CMS contract information, the foreign trade enterprise customer information and import and export contract information included in the bond discount information provided by the bond discount information registration system; , A system for storing bond discounts and global CMS contract information and storing them in a predetermined storage medium 930. Those skilled in the art to which the present invention pertains refer to FIG. Infers various implementation methods for the system of registration of bond discount information registration system for discounting predetermined trade receivables. As will be appreciated, the present invention includes all implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, at least one means or functional configuration for storing the bond discount information provided from the foreign exporter enterprise customer in the storage medium 930 through a predetermined information registration interface on the bond discount information registration system shown in FIG. The component corresponding to the " bond discount information registration server 900 " for convenience.

Referring to this figure 9 according to the embodiment of the present invention, a bond discount information registration system for a predetermined discount on trade receivables, information registration including a counter terminal provided in at least one branch (or branch or head office) of the financial institution And a terminal 935, wherein the information registration terminal 935 and the bond discount information registration server 900 provided on the bond discount information registration system through a predetermined financial network (or communication network); The communication channel is connected.

According to an exemplary embodiment of the present invention, the overseas exporter company customer visits the financial institution branch (or branch or main branch) for discounting the trade receivables, and opens a window provided at the financial institution branch (or branch or main branch). Prepare a prescribed application (e.g., a document with a form for filling in at least one information item for discounting the trade receivables of the foreign exporter enterprise customer) When the completed application is submitted to the teller, the teller enters (or selects) information written in the application through a predetermined teller terminal, and the teller terminal receives the input (or selects) the information. It is preferable to transmit to the bond discount information registration server 900 provided on the bond discount information registration system through a network (or a communication network).

Here, the teller terminal preferably comprises a manager terminal used by the teller staff provided in the branch (or branch or main office) of the financial institution, bond discount information registration server 900 connected to the teller terminal is the predetermined It is preferable to include a ledger server provided on the financial system of the, the financial network (or communication network) connecting the window terminal and bond discount information registration server 900 is the window terminal and bond discount information registration server ( 900) It is preferably made including a network to connect the communication channel between.

In the above-described bond discount information registration system, an application prepared by the overseas exporter company customer, a teller terminal used by the teller, and a financial network connecting the teller terminal and the bond discount information registration server 900 (or Communication network) performs the function of the information registration interface for the foreign exporter business customer to register the bond discount information for a predetermined receivables discount.

The storage medium 930 provided on the bond discount information registration system according to the present invention includes the foreign export company customer information, import and export contract information, bond discount included in the bond discount information provided from the information registration terminal 935. And storing and storing the global CMS contract information in a predetermined storage medium 930, wherein the foreign exporter customer information, import and export contract information, bond discount, and global CMS contract information stored in the storage medium 930 are stored. Bond discount information including at least one is used to discount the trade receivables of the foreign exporter.

The customer information of the foreign exporter company is the personal information of the foreign exporter company customer who has entered into a certain import and export contract with a given domestic import company (for example, company name, business registration number (or foreign company unique code corresponding to domestic business registration number)). , Corporate registration number (or foreign company unique code corresponding to domestic corporate registration number), representative, address, telephone number, mobile phone number, e-mail address, etc., and the member information of the customer (e.g., Member ID information, or CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system associated with the bond discount information registration system in response to the customer by subscribing as a financial transaction customer; It is preferable to include at least one or more account information corresponding to the financial account opened in the name.

The import and export contract information includes information on import and export related contracts (for example, contract details including items, quantity, period, etc., contract conclusion date, contract place, etc.) that the foreign exporter company customer has concluded with the domestic import company, and the domestic import company information. It is preferable to include at least one.

The bond discount and global CMS contract information may include at least one or more of the bond discount service and global CMS of the foreign exporter company, agreement terms, agreement terms, service contract period, and use account list.

According to one embodiment of the present invention, the storage medium 930 is preferably provided in a DBMS on a financial system provided on the bond discount information registration system (or associated with the bond discount information registration system). In this case, the storage medium 930 may be a ledger D / B provided in a DBMS on the financial system, or a predetermined database linked to the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 930 is provided on (or associated with) the credit discount information registration system, an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. It is possible to be provided in at least one of the DBMS on the banking system, whereby the present invention is not limited.

The bond discount information registration server 900 provided on the bond discount information registration system according to the present invention is the bond discount information registration system side connected to the information registration terminal 935 through a predetermined financial network (or a communication network). Generic terms of the components may be implemented by including at least one or more servers (or devices), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), whereby the present invention This is not limited.

According to an embodiment of the present invention, when the information registration terminal 935 is a window terminal connected to a predetermined financial network (or communication network), the bond discount information registration server 900 is a predetermined financial network (or communication network). It may be a ledger server provided on the financial system connected to the teller terminal through, or a server (or device) provided on the external system on the financial system, or a program provided on the external system on the financial system. The present invention is not limited by this.

According to an embodiment of the present invention, the bond discount information registration server 900 may interface unit 905 for connecting and managing a predetermined communication channel with the information registration terminal 935 through the financial network (or communication network). It is characterized by comprising.

According to an embodiment of the present invention, when the information registration terminal 935 is a window terminal connected to a predetermined financial network (or communication network), the interface unit 905 is a protocol defined in the financial network (or communication network). Connecting a communication terminal with a predetermined communication channel based on a stack, and providing a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the window terminal. It is preferable.

Referring to FIG. 9, the bond discount information registration server 900 connects a communication channel with the bond discount information registration server 900 through a predetermined information registration terminal 935 through the interface unit 905. The information registration terminal 935 by generating (or extracting) a predetermined user interface for inputting (or selecting) predetermined bond discount information from the information registration terminal 935 and interworking with the interface unit 905. Information for receiving a predetermined bond discount information that is input (or selected) and transmitted from the information registration terminal 935 through the user interface in conjunction with the interface providing unit 910 and the interface unit 905 to provide a; Receiving unit 915, validity confirmation unit 920 for checking the validity of the received bond discount information, the customer information, export of the foreign exporters included in the confirmed bond discount information Associated processing contract information, discount bond and global CMS contract information, characterized in that formed in an information storage unit (925) for storing in a storage medium (930).

The interface providing unit 910 is connected to the information registration terminal 935 after a predetermined information registration terminal 935 connects the communication channel with the bond discount information registration server 900 through the interface unit 905. In response to the provided functional configuration, a predetermined user interface capable of inputting (or selecting) the bond discount information and transmitting the bond discount information to the bond discount information registration server 900 through the financial network (or the communication network), or predetermined Extract from a database (not shown), and provide the generated (or extracted) user interface to the information registration terminal 935 via the financial network (or communication network) in conjunction with the interface unit 905. It is done.

At least one of inputting (or selecting) the bond discount information to the information registration terminal 935 and transmitting it to the bond discount information registration server 900 through the financial network (or communication network) according to another embodiment of the present invention. When a predetermined information registration program having the above user interface is provided, the interface providing unit 910 for providing the user interface to the information registration terminal 935 may be omitted, and the present invention is not limited thereto. .

Thereafter, the information registration terminal 935 inputs (or selects) bond discount information including at least one or more of the overseas export company customer information, import / export contract information, bond discount, and global CMS contract information based on the user interface. Then, the bond discount information input (or selected) is transmitted to the bond discount information registration server 900 through the financial network (or communication network).

According to an embodiment of the present invention, when the information registration terminal 935 is a window terminal connected to a predetermined financial network (or a communication network), the interface providing unit 910 is a financial transaction related program provided in the window terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the window terminal through the interface unit 905.

The information receiving unit 915 inputs (or discounts) bond discount information including at least one or more foreign export company customer information, import and export contract information, bond discount, and global CMS contract information through the user interface at the information registration terminal 935 (or Select) to transmit through the financial network (or a communication network), the bond discount information is received in association with the interface unit 905, and the validity confirmation unit 920 receives the bond discount information. To provide.

The validity verification unit 920 is characterized in that whether the bond discount information received from the information registration terminal 935 satisfies the validity for the receivables discount of the foreign exporter.

According to an embodiment of the present invention, the validity of the bond discount information is determined by registering at least one ledger information matching the discount information on the ledger D / B on the financial system linked to the bond discount information registration system. It is preferable to include checking whether there is.

For example, the validity check on the bond discount information confirms whether the foreign exporter company information included in the bond discount information matches the customer ledger stored in the ledger D / B on the financial system linked with the bond discount information registration system. It can be made, including.

In addition, the validity of the bond discount information is checked whether the foreign exporter company customer account information included in the bond discount information matches the account ledger stored in the ledger D / B on the financial system linked to the bond discount information registration system It can be made to include.

In addition, the validity confirmation of the bond discount information is the import and export contract information registered by the domestic import company stored in the predetermined storage medium 930 associated with the bond discount information registration system is the import and export contract information included in the bond discount information And confirming that the match with the.

In addition, the validity of the bond discount information includes verifying whether the import and export contract information included in the bond discount information is matched with the import and export contract information concluded by the foreign exporter in connection with the domestic import company server. Can be.

When the validity of the bond discount information is confirmed, the information storage unit 925 processes the overseas export company customer information, import and export contract information, bond discount, and global CMS contract information included in the bond discount information in the storage medium. And the storage medium 930 is provided in the bond discount information registration server 900 or on the network associated with the bond discount information registration server 900. The information storage unit 925 preferably stores in the storage medium 930 by linking and processing the foreign exporter company information, import and export contract information, bond discount, and global CMS contract information included in the received bond discount information. When the storage medium 930 is provided in a DBMS provided on a financial system, the information storage unit 925 may include information on export and export contracts of foreign exporters included in the received discount information. It is desirable to provide information, bond discounts and global CMS contract information to the information system through the external system on the financial system and store it in the DBMS provided on the financial system.

FIG. 10 is a diagram showing the structure of bond discount information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for discounting a predetermined trade receivable according to one embodiment of the present invention.

In more detail, in FIG. 10, when the storage medium 930 illustrated in FIG. 9 is a ledger D / B provided in a DBMS on a financial system, the foreign exporter company customer information is included in the ledger information provided in the ledger D / B. Shows an information structure for an implementation method in which bond discount information including import / export contract information, bond discount and global CMS contract information is stored, and a person having ordinary knowledge in the technical field to which the present invention belongs, FIG. 10 may be inferred from various information construction methods for storing the bond discount information in the ledger D / B, but the present invention includes all the inferred implementation methods, and is shown in FIG. It is not limited to the method alone.

Referring to Fig. 10 according to an embodiment of the present invention, the ledger information provided in the ledger D / B provided in the DBMS on the financial system is a predetermined account of the foreign exporter company customer and the account associated with the domestic import company customer ledger It is shown as including the ledger (for example, the ledger, loan ledger, etc.) and at least one information associated with the account ledger, if one of ordinary skill in the art to which the present invention belongs, DBMS on the financial system The ledger D / B provided in the at least one ledger (eg, loan ledger, mortgage ledger, ..., etc.) or the ledgers in addition to the customer ledger and account ledger of the overseas export company shown in FIG. It will be clearly understood that at least one additional information is included, and the specific technical details will be understood. For a detailed description thereof will be omitted for convenience.

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration date, status head office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for an overseas export enterprise customer including at least one of an individual customer, a corporate customer, and a minor.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

In addition, the account ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and at least one of an account number, a waiver (month), a period (days), an extension, a maturity date, and a target amount corresponding to the account ledger. Periodic reception information that includes, or trust reception information that includes at least one or more of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger, or corresponding to the account ledger. Transaction history that includes at least one of account number, transaction number, date, store number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes information.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

Referring to FIG. 10, the bond discount information provided through the bond discount information registration system shown in FIG. 9 is stored in the form of additional information added to the account ledger. And at least one of information, import and export contract information, bond discount, and global CMS contract information.

The customer information of the foreign exporter company is the personal information of the foreign exporter company customer who has entered into a certain import and export contract with a given domestic import company (for example, company name, business registration number (or foreign company unique code corresponding to domestic business registration number)). , Corporate registration number (or foreign company unique code corresponding to domestic corporate registration number), representative, address, telephone number, mobile phone number, e-mail address, etc., and the member information of the customer (e.g., Member ID information, or CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system associated with the bond discount information registration system in response to the customer by subscribing as a financial transaction customer; It is preferable to include at least one or more account information corresponding to the financial account opened in the name.

The import and export contract information includes information on import and export related contracts (for example, contract details including items, quantity, period, etc., contract conclusion date, contract place, etc.) that the foreign exporter company customer has concluded with the domestic import company, and the domestic import company information. It is preferable to include at least one.

The bond discount and global CMS contract information may include at least one or more of the bond discount service and global CMS of the foreign exporter company, agreement terms, agreement terms, service contract period, and use account list.

According to another exemplary embodiment of the present invention, the bond discount information is stored in the form of information included in the account ledger (not shown), or added to another ledger other than the account ledger (for example, a domestic imported enterprise customer ledger). It is possible to be stored in the form of additional information, or in the form of information contained in the ledger other than the account ledger (for example, domestic imported corporate customer ledger), whereby the present invention is not limited.

FIG. 11 is a diagram illustrating a bond discount information structure stored in a database linked to the ledger D / B provided in a DBMS on a financial system in a face-to-face manner in order to discount a predetermined trade receivable according to another embodiment of the present invention.

More specifically, FIG. 11 illustrates an information structure for an exemplary method in which the storage medium 930 shown in FIG. 9 is stored in a predetermined database linked to the ledger D / B provided in the DBMS on the financial system. As those skilled in the art to which the present invention pertains, various information configuration methods for storing the bond discount information in association with the ledger D / B and storing the bond discount information in a predetermined database by referring to or modifying the drawing 11 It may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

In particular, in FIG. 11, when it is not easy to store the bond discount information in the ledger information of the ledger D / B on the DBMS provided on the financial system (for example, in accordance with the policy of a financial institution, If it is not easy to change or the system is not easy to expand due to the characteristics of the financial system), the discount information is stored in a predetermined database instead of the ledger D / B, and the database is linked to the ledger D / B. The implementation method of processing and storing is shown.

In addition, the database shown in FIG. 11 does not need to be provided on a DBMS provided on a financial system as in the implementation method shown in FIG. 11, and the database on the Internet banking system or telebanking according to the intention of a person skilled in the art. It may be configured in the form of a database on a system, a database on a wireless banking system, or a database on a TV banking system, and the present invention is not limited thereto.

Referring to FIG. 11, the database stores and stores the foreign exporter company customer information, import and export contract information, bond discount, and global CMS contract information included in the bond discount information. It is preferable that the credit discount information further includes a CIF number corresponding to the ledger information to be linked to the ledger D / B.

The customer information of the foreign exporter company is the personal information of the foreign exporter company customer who has entered into a certain import and export contract with a given domestic import company (for example, company name, business registration number (or foreign company unique code corresponding to domestic business registration number)). , Corporate registration number (or foreign company unique code corresponding to domestic corporate registration number), representative, address, telephone number, mobile phone number, e-mail address, etc., and the member information of the customer (e.g., Member ID information, or CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system associated with the bond discount information registration system in response to the customer by subscribing as a financial transaction customer; It is preferable to include at least one or more account information corresponding to the financial account opened in the name.

The import and export contract information includes information on import and export related contracts (for example, contract details including items, quantity, period, etc., contract conclusion date, contract place, etc.) that the foreign exporter company customer has concluded with the domestic import company, and the domestic import company information. It is preferable to include at least one.

The bond discount and global CMS contract information may include at least one or more of the bond discount service and global CMS of the foreign exporter company, agreement terms, agreement terms, service contract period, and use account list.

12 is a view showing the composition of bond discount information stored in the DBMS provided in the banking server in a face-to-face manner for discounting a predetermined trade receivable according to another embodiment of the present invention.

More specifically, FIG. 12 shows a DBMS in which a storage medium 930 shown in FIG. 9 is provided in a predetermined banking server provided on an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. As one embodiment provided in the present invention, those skilled in the art to which the present invention belongs, the bond stored in a predetermined DBMS provided in at least one or more banking server by referring to or modifying this figure 12 The method of constructing information on discount information may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to FIG. 12, the predetermined DBMS provided in the banking server stores and stores the foreign exporter company customer information, import and export contract information, bond discount, and global CMS contract information included in the discount information. do.

The customer information of the foreign exporter company is the personal information of the foreign exporter company customer who has entered into a certain import and export contract with a given domestic import company (for example, company name, business registration number (or foreign company unique code corresponding to domestic business registration number)). , Corporate registration number (or foreign company unique code corresponding to domestic corporate registration number), representative, address, telephone number, mobile phone number, e-mail address, etc., and the member information of the customer (e.g., Member ID information, or CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system associated with the bond discount information registration system in response to the customer by subscribing as a financial transaction customer; It is preferable to include at least one or more account information corresponding to the financial account opened in the name.

The import and export contract information includes information on import and export related contracts (for example, contract details including items, quantity, period, etc., contract conclusion date, contract place, etc.) that the foreign exporter company customer has concluded with the domestic import company, and the domestic import company information. It is preferable to include at least one.

The bond discount and global CMS contract information may include at least one or more of the bond discount service and global CMS of the foreign exporter company, agreement terms, agreement terms, service contract period, and use account list.

13 is a diagram illustrating a process of registering bond discount information in a face-to-face manner according to an embodiment of the present invention.

More specifically, FIG. 13 shows a ledger server on a financial system in which a bond discount information registration server 900 on the bond discount information registration system shown in FIG. 9 is associated with a teller terminal through a predetermined financial network (or a communication network). In the case of having a function), the window terminal is connected to the bond discount information registration server 900 to connect a communication channel for registering bond discount information according to the present invention, and then the bond through the communication channel. When the discount information registration server 900 transmits the bond discount information including the foreign exporter company information, import and export contract information, bond discount, and global CMS contract information, the bond discount information registration server 900 receives the received discount information. The customer information, export and import contract information, bond discount, and global CMS contract information included in the bond discount information are processed in association with each other and stored in a predetermined storage medium 930. As a method, one of ordinary skill in the art to which the present invention pertains may refer to various modifications of registering the bond discount information with the bond discount information registration server 900 at the counter terminal by referring to or modifying the present invention. Although the implementation method may be inferred, the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 13, the teller terminal shown in FIG. 9 is referred to as a " terminal " for convenience, and the bond discount information registration server 900 shown in FIG. 9 is referred to as a " server " The foreign exporter customer information, import and export contract information, bond discount and global CMS contract information transmitted to the bond discount information registration server 900 is referred to as "bond discount information" for convenience.

Referring to Fig. 13, the window terminal shown in Fig. 9 is connected to the server through a predetermined financial network (or communication network) to connect a predetermined communication channel for registering the bond discount information, and the foreign-exported company When requesting the bond discount information registration for discounting the trade receivable of (1300), the server generates (or extracts) a predetermined information registration interface for registering the bond discount information (1305), and through the communication channel. The generated (or extracted) information registration interface is transmitted to the terminal and output (1310).

According to an embodiment of the present invention, the information registration interface inputs (or selects) bond discount information including at least one of the foreign export company customer information, import and export contract information, bond discount, and global CMS contract information in the terminal. It is preferred to include a user interface.

Thereafter, the terminal inputs (or selects) bond discount information including at least one or more foreign export company customer information, import / export contract information, bond discount, and global CMS contract information through the information registration interface (1315).

If the terminal receives (or selects) bond discount information including the overseas export company customer information, import / export contract information, bond discount, and global CMS contract information through the information registration interface (1320), the terminal is the financial unit. Through the network (or a communication network), the credit discount information including the input (or selected) foreign exporter company information, import / export contract information, bond discount, and global CMS contract information is transmitted to the server (1325).

Thereafter, the server receives and reads the overseas export company customer information, import and export contract information, bond discount, and global CMS contract information through the financial network (or communication network) to confirm the validity of the bond discount information (1330). .

According to an embodiment of the present invention, the validity of the bond discount information is determined by registering at least one ledger information matching the discount information on the ledger D / B on the financial system linked to the bond discount information registration system. It is preferable to include checking whether there is.

For example, the validity check on the bond discount information confirms whether the foreign exporter company information included in the bond discount information matches the customer ledger stored in the ledger D / B on the financial system linked with the bond discount information registration system. It can be made, including.

In addition, the validity of the bond discount information is checked whether the foreign exporter company customer account information included in the bond discount information matches the account ledger stored in the ledger D / B on the financial system linked to the bond discount information registration system It can be made to include.

In addition, the validity confirmation of the bond discount information is the import and export contract information registered by the domestic import company stored in the predetermined storage medium 930 associated with the bond discount information registration system is the import and export contract information included in the bond discount information And confirming that the match with the.

In addition, the validity of the bond discount information includes verifying whether the import and export contract information included in the bond discount information is matched with the import and export contract information concluded by the foreign exporter in connection with the domestic import company server. Can be.

If the validity of the bond discount information is not authenticated (1335), the server generates predetermined information registration error information and transmits it to the terminal (1340), and does not perform an information registration procedure corresponding to the bond discount information. Do not.

On the other hand, if the validity of the bond discount information is authenticated (1335), the server performs the information registration procedure corresponding to the bond discount information, so that the customer information, export and export contract information, bond discount and global CMS contract information In step 1345, the associated processing is performed in a predetermined storage medium 930.

According to one embodiment of the present invention, the storage medium 930 is preferably provided in a DBMS on a financial system provided on the bond discount information registration system (or associated with the bond discount information registration system). In this case, the storage medium 930 may be a ledger D / B provided in a DBMS on the financial system, or a predetermined database linked to the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 930 is provided on (or associated with) the credit discount information registration system, an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. It is possible to be provided in at least one of the DBMS on the banking system, whereby the present invention is not limited.

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (1350), thereby completing the procedure of registering the bond discount information transmitted from the terminal.

14 is a diagram illustrating a non-face-to-face bond discount information registration system for discounting a predetermined trade receivable according to another embodiment of the present invention.

In more detail, Figure 14 shows that an overseas export enterprise customer who has entered into a predetermined import and export contract with a given domestic import company has a discount information registration system through a predetermined information registration interface. When providing bond discount information including at least one of import and export contract information, bond discount and global CMS contract information, the foreign trade enterprise customer information and import and export contract information included in the bond discount information provided by the bond discount information registration system; , Which relates to a system for storing bond discount and global CMS contract information in a predetermined storage medium 1430, and those skilled in the art to which the present invention pertains may refer to or modify this drawing. Various implementations of bond discount information registration system for discounting trade receivables from overseas exporters Would be able to derive a method, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 14.

Hereinafter, at least one means or function configuration for storing the bond discount information provided from the overseas export enterprise customer in the storage medium 1430 on the bond discount information registration system shown in FIG. 14 through a predetermined information registration interface. The component corresponding to the term " bond discount information registration server " for convenience.

Referring to FIG. 14 according to an embodiment of the present invention, a bond discount information registration system for discounting trade receivables of an overseas exporter is a client terminal including at least one wired terminal or a wireless terminal used by an overseas exporter. And an information registration terminal 1435 including at least one or more. The information registration terminal 1435 registers bond discount information provided on the bond discount information registration system through a predetermined network means. The communication channel with the server is connected.

According to an embodiment of the present invention, the overseas export enterprise customer is connected to the bond discount information registration server 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, When the bond discount information for the trade receivable discount of the foreign exporter is input (or selected) through at least one user interface provided by the bond discount information registration server, the bond discount is performed through a predetermined network means at the client terminal. It is preferable to transmit to the bond discount information registration server provided on the information registration system.

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 bond discount information registration server 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.

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

The client terminal may output at least one user interface provided by the bond discount information registration server, and input or select at least one or more information through the user interface to transmit the bond discount information registration server to the bond discount information registration server. (E.g., a browser program and a communication function, or a predetermined communication program and a communication function to communicate with the bond discount information registration server, etc.) are preferably 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 bond discount information registration system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the overseas export enterprise customer, and at least one wired line connecting the client terminal and the bond discount information registration server. The communication network or the wireless communication network performs a function of an information registration interface for the foreign exporter enterprise customer to register bond discount information for a predetermined discount on trade receivables.

According to another exemplary embodiment of the present invention, the information registration terminal 1435 may include an automatic teller machine (ATM) and a cash dispenser connected to a predetermined financial network (for example, a financial common network) in addition to the client terminal. It further comprises a financial automatic device (not shown) including a cash dispenser (CD), or connected to a wired telephone network such as a public switched telephone network (PSTN) or a voice over IP (VoIP) network. It further comprises a predetermined call terminal (not shown), or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, or affiliated with the financial institution Terminal (or server) (not shown) provided in at least one or more institutions may be further included, whereby the present invention is not limited.

In the above bond discount information registration system, when the information registration terminal 1435 is the financial automatic device (not shown), the financial automatic device (not shown), the financial automatic device (not shown), and the bond The financial network connecting the discount information registration server performs a function of an information registration interface for the foreign exporter enterprise customer to register bond discount information for a predetermined trade receivable discount, or the information registration terminal 1435 is the call In the case of a terminal (not shown), a wired telephone network or a wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the bond discount information registration server may be discounted by a predetermined trade receivable by the overseas export enterprise customer. Performs a function of an information registration interface for registering bond discount information for the purpose, or is affiliated with the financial institution that is the information registration terminal 1435 When the terminal (or server) (not shown) provided in the institution, the network connecting the terminal (or server) (not shown) and the terminal (or server) (not shown) and the bond discount information registration server is The foreign export enterprise customer performs a function of an information registration interface for registering bond discount information for a predetermined discount on trade receivables.

The storage medium 1430 provided on the bond discount information registration system according to the present invention includes the foreign exporter customer information, import / export contract information, and bond discount included in the bond discount information provided from the information registration terminal 1435. And storing and storing the global CMS contract information in a predetermined storage medium 1430, wherein the foreign exporter customer information, import and export contract information, bond discount, and global CMS contract information stored in the storage medium 1430 are stored. Bond discount information including at least one is used to discount the trade receivables of the foreign exporter.

The customer information of the foreign exporter company is the personal information of the foreign exporter company customer who has entered into a certain import and export contract with a given domestic import company (for example, company name, business registration number (or foreign company unique code corresponding to domestic business registration number)). , Corporate registration number (or foreign company unique code corresponding to domestic corporate registration number), representative, address, telephone number, mobile phone number, e-mail address, etc., and the member information of the customer (e.g., Member ID information, or CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system associated with the bond discount information registration system in response to the customer by subscribing as a financial transaction customer; It is preferable to include at least one or more account information corresponding to the financial account opened in the name.

The import and export contract information includes information on import and export related contracts (for example, contract details including items, quantity, period, etc., contract conclusion date, contract place, etc.) that the foreign exporter company customer has concluded with the domestic import company, and the domestic import company information. It is preferable to include at least one.

The bond discount and global CMS contract information may include at least one or more of the bond discount service and global CMS of the foreign exporter company, agreement terms, agreement terms, service contract period, and use account list.

Here, the Global CMS utilizes the Internet-based foreign currency settlement system and SWIFT to efficiently integrate foreign currency funds scattered in various countries around the world through the Internet and SWIFT methods. It is a service to manage, characterized in that it comprises at least one or more in real time account inquiry, transfer, fund concentration / distribution, foreign account virtual account deposits, balance settlement, trade receivables discount, etc. in the export competition.

According to one embodiment of the present invention, the storage medium 1430 is preferably provided in a DBMS on a financial system provided on the bond discount information registration system (or associated with the bond discount information registration system). At this time, the storage medium 1430 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 1430 is provided on (or associated with) the credit discount information registration system, an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. It is possible to be provided in at least one of the DBMS on the banking system, whereby the present invention is not limited.

The bond discount information registration server provided on the bond discount information registration system according to the present invention is a generic term for the bond discount information registration system side component connected to the information registration terminal 1435 through a predetermined network means. It may be implemented by including one or more servers (or devices), 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 1435 is a client terminal including a wired terminal or a wireless terminal connectable to an Internet banking server on a predetermined Internet banking system, the bond discount information registration server may be configured to use the Internet. A predetermined internet banking server provided on a banking system, a program provided in the internet banking server, or a predetermined server (or device) accessible to the external system of the financial system through the internet banking system; A program included in a server (or device), or a server (or device) provided in an external system on the financial system accessible through the Internet banking server (or the server (or device)), or on the financial system. It may be a program provided in the external system, whereby the present invention is not limited The.

According to another embodiment of the present invention, when the information registration terminal 1435 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the bond discount information registration server is the wireless banking system. Is a predetermined wireless banking server provided on the program, a program provided in the wireless banking server, or a predetermined server (or device) accessible to the external system of the financial system through the wireless banking system, or the server ( Or a server (or device) provided in an external system on the financial system accessible through the wireless banking server (or the server (or device)), or an external system on the financial system. It may be a program provided in, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal 1435 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the bond discount information registration server is the telebanking system. A predetermined telebanking server (eg, an Automatic Response Service (ARS) server) provided in the program, a program provided in the telebanking server, or a predetermined external access to the external system of the financial system through the telebanking system. A server (or device) of a server, a program included in the server (or device), or a server (or an external device on the financial system accessible through the telebanking server (or the server (or device)). Device) or a program provided to the external world on the financial system, whereby the present invention is not limited thereto. .

According to another embodiment of the present invention, when the information registration terminal 1435 is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the bond discount information registration server is the TV. A predetermined TV banking server provided on a banking system, a program provided in the TV banking server, or a predetermined server (or device) accessible to the external system of the financial system through the TV banking system; A program provided in a server (or device), or a server (or device) provided in an external system on the financial system accessible through the TV banking server (or the server (or device)), or on the financial system. It may be a program provided in the external system, whereby the present invention is not limited.

According to the embodiment of the present invention, the bond discount information registration server is characterized in that it comprises an interface unit 1405 for connecting and managing a predetermined communication channel with the information registration terminal 1435 through the network means. .

According to an embodiment of the present invention, when the information registration terminal 1435 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 1405 is a protocol defined in the wired communication network or a wireless communication network. Connecting a predetermined communication channel with the client terminal based on the stack, and providing a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal. desirable.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 1405 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 bond discount information registration server, the interface unit 1405 communicates with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal 1435 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 1405 may implement a protocol stack defined in the wireless communication network. It is preferable to connect a predetermined communication channel with the client terminal based on the above, and to provide a communication interface for 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 WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 1405 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 bond discount information registration server, the interface unit 1405 communicates with the client terminal based on the CDMA 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 exemplary embodiment of the present invention, when the information registration terminal 1435 is a financial automation device connected to a predetermined financial network, the interface unit 1405 is based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for transmitting and receiving at least one information (or data) by connecting a predetermined communication channel with the automated teller machine and using a communication protocol defined in a financial transaction related program included in the automated teller machine. .

According to another exemplary embodiment of the present invention, when the information registration terminal 1435 is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 1405 is defined in the wired telephone network or a wireless telephone network. It is preferable to connect the call terminal (not shown) with a predetermined call path based on the established voice call protocol and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 1405 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. .

According to another exemplary embodiment of the present invention, when the information registration terminal 1435 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 1405 is a protocol defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or bidirectional digital TV) based on the stack, and use the communication protocol defined in the communication program included in the wired terminal (or bidirectional digital TV) at least one or more information (or It is desirable to provide a communication interface for transmitting and receiving data.

Referring to FIG. 14, the bond discount information registration server connects a communication channel with a bond discount information registration server through a predetermined information registration terminal 1435 through the interface unit 1405, and then the interface unit 1405. Interface providing unit for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined bond discount information from the information registration terminal 1435 to the information registration terminal 1435. An information receiving unit 1415 receiving predetermined bond discount information that is input (or selected) and transmitted from the information registration terminal 1435 through the user interface in association with the interface unit 1405; The foreign exporter customer information, import and export contract information, bond discount, and global CMS contract information included in the received bond discount information are processed in a predetermined storage medium 1430. Provided with a field information storage unit 1425, which is characterized in that formed.

The interface providing unit 1410 has a function provided in the information registration terminal 1435 after a predetermined information registration terminal 1435 connects a communication channel with the bond discount information registration server through the interface unit 1405. Generate a predetermined user interface capable of inputting (or selecting) the bond discount information corresponding to the configuration and transmitting it to the bond discount information registration server through the network means, or extracting from a predetermined database (not shown), It is characterized in that it provides the user interface generated (or extracted) in conjunction with the interface unit 1405 to the information registration terminal 1435 through the network means.

Thereafter, the information registration terminal 1435 inputs (or selects) bond discount information including at least one or more of the foreign export company customer information, import and export contract information, bond discount, and global CMS contract information based on the user interface. The bond discount information inputted (or selected) is transmitted to the bond discount information registration server through the financial network.

According to an embodiment of the present invention, when the information registration terminal 1435 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 1410 is the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a browser program or a communication program included in the apparatus, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1405. .

According to another exemplary embodiment of the present invention, when the information registration terminal 1435 is a financial automatic device connected to a predetermined financial network, the interface providing unit 1410 may be a financial transaction related program provided in the financial automatic device. It is preferable to generate (or extract) a predetermined user interface that can be provided and provide the generated (or extracted) user interface to the automated teller machine through the interface unit 1405.

According to another exemplary embodiment of the present invention, when the information registration terminal 1435 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 1410 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided as a program or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 1405.

According to another exemplary embodiment of the present invention, when the information registration terminal 1435 is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 1410 includes the call terminal (not shown). Generates (or extracts) a predetermined user interface that can be provided to the call, and converts the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 1405. It is desirable to provide.

According to another exemplary embodiment of the present invention, when the information registration terminal 1435 is a wired terminal (or a two-way digital TV) connected to a TV banking system, the interface providing unit 1410 may provide the wired terminal (or two-way digital). It is preferable to generate (or extract) a predetermined user interface that can be provided to a TV) and to provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 1405. .

According to another embodiment of the present invention, the predetermined information having at least one user interface for inputting (or selecting) the bond discount information to the information registration terminal 1435 and transmitting the bond discount information to the bond discount information registration server through the network means. If the information registration program is provided, the interface providing unit 1410 for providing the user interface to the information registration terminal 1435 may be omitted, thereby not limited to the present invention.

The information receiving unit 1415 inputs (or discounts) bond discount information including at least one or more foreign export company customer information, import and export contract information, bond discount, and global CMS contract information through the user interface at the information registration terminal 1435. Select) to transmit the bond discount information in association with the interface unit 1405, and provide the received bond discount information to the validity confirming unit 1420.

The validity confirming unit 1420 is characterized by checking whether the bond discount information received from the information registration terminal 1435 satisfies the validity for discounting the trade receivables of the foreign exporter.

According to an embodiment of the present invention, the validity of the bond discount information is determined by at least one ledger information matching the bond discount information in the ledger D / B on the financial system associated with the bond discount information registration system. It is preferable to include checking.

For example, the validity check on the bond discount information confirms whether the foreign exporter company information included in the bond discount information matches the customer ledger stored in the ledger D / B on the financial system linked with the bond discount information registration system. It can be made, including.

In addition, the validity of the bond discount information is checked whether the foreign exporter company customer account information included in the bond discount information matches the account ledger stored in the ledger D / B on the financial system linked to the bond discount information registration system It can be made to include.

In addition, the validity confirmation of the bond discount information is the import and export contract information registered by the domestic import company, the import and export contract information contained in the bond discount information stored in a predetermined storage medium 1430 associated with the bond discount information registration system And confirming that the match with the.

In addition, the validity of the bond discount information includes verifying whether the import and export contract information included in the bond discount information is matched with the import and export contract information concluded by the foreign exporter in connection with the domestic import company server. Can be.

When the validity of the bond discount information is confirmed, the information storage unit 1425 performs a process of linking and processing the overseas export company customer information, import and export contract information, bond discount, and global CMS contract information included in the bond discount information. And the storage medium 1430 in the bond discount information registration server or on the network associated with the bond discount information registration server. ) Is preferably stored in the storage medium 1430 by integrating the foreign exporter customer information, import and export contract information, bond discount and global CMS contract information included in the received bond discount information, the storage medium 1430 ) Is provided in the DBMS provided on the financial system, the information storage unit 1425 is the foreign export company customer information, import and export agreement included in the received discount information It is preferable to provide information, discounts and global CMS contract information to the information system through the external system on the financial system and store it in the DBMS provided on the financial system.

15 is a diagram illustrating a process of registering bond discount information in a non-face-to-face manner in order to discount a predetermined trade receivable according to one embodiment of the present invention.

In more detail, FIG. 15 shows a case where a bond discount information registration server on the bond discount information registration system shown in FIG. 14 has a web server function to which a client terminal can be connected through a predetermined network means. After connecting to the bond discount information registration server and connecting a communication channel for registering bond discount information according to the present invention, the customer information, export and import contract information, foreign export company information to the bond discount information registration server through the communication channel When the bond discount information including the discount and global CMS contract information is transmitted, the foreign exporter company customer information, import and export contract information, bond discount and global CMS contract information included in the received bond discount information from the bond discount information registration server The present invention relates to an implementation method of linking and storing the data in a predetermined storage medium 1430. Those skilled in the art will be able to infer various implementation methods for registering the bond discount information from the client terminal to the bond discount information registration server by referring to or modifying the drawing 15. The invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 15, the client terminal shown in FIG. 14 is referred to as a " terminal " for convenience, and the bond discount information registration server shown in FIG. 14 is referred to as a " server " The foreign export company customer information, import and export contract information, bond discount and global CMS contract information transmitted to the registration server is referred to as "bond discount information" for convenience.

Referring to Figure 15, the client terminal shown in Figure 14 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 Connect a predetermined communication channel for registering the bond discount information by accessing the server through a communication network or an IEEE 802.16x based portable Internet), and registering the bond discount information for discounting the trade receivable of the foreign exporter. Upon request (1500), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the bond discount information (1505), and generates (or extracts) the web through the communication channel. The page is transmitted to the terminal and output (1510).

According to an embodiment of the present invention, the information registration interface inputs (or selects) bond discount information including at least one of the foreign export company customer information, import and export contract information, bond discount, and global CMS contract information in the terminal. It is preferable to include a user interface.

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

Thereafter, the terminal inputs (or selects) bond discount information including at least one or more foreign export company customer information, import / export contract information, bond discount, and global CMS contract information through the information registration interface (1515).

If the terminal receives (or selects) bond discount information including the overseas export company customer information, import / export contract information, bond discount, and global CMS contract information through the information registration interface (1520), the terminal communicates with the communication. The inputted (or selected) foreign export company customer information, import and export contract information, bond discount, and global CMS contract information are transmitted to the server through the channel (1525).

According to the implementation method of the present invention, transmitting the input (or selection) of the foreign export company customer information, import and export contract information, discounts and global CMS contract information to the server through the communication channel, the information registration interface The electronic device may further include electronically signing or encrypting the bond discount information input (or selected) through the security module provided in the terminal and transmitting the bond discount information to the server.

Thereafter, the server receives and reads the overseas export company customer information, import and export contract information, bond discount, and global CMS contract information through the communication channel (1530).

According to the method of the present invention, confirming the validity of the bond discount information, when the bond discount information is electronically signed or encrypted through a security module provided in the terminal, decrypt the bond discount information, or It may further comprise decoding the bond discount information.

According to an embodiment of the present invention, the validity of the bond discount information is determined by at least one ledger information matching the bond discount information in the ledger D / B on the financial system associated with the bond discount information registration system. It is preferable to include checking.

For example, the validity check on the bond discount information confirms whether the foreign exporter company information included in the bond discount information matches the customer ledger stored in the ledger D / B on the financial system linked with the bond discount information registration system. It can be made, including.

In addition, the validity of the bond discount information is checked whether the foreign exporter company customer account information included in the bond discount information matches the account ledger stored in the ledger D / B on the financial system linked to the bond discount information registration system It can be made to include.

In addition, the validity confirmation of the bond discount information is the import and export contract information registered by the domestic import company, the import and export contract information contained in the bond discount information stored in a predetermined storage medium 1430 associated with the bond discount information registration system And confirming that the match with the.

In addition, the validity of the bond discount information includes verifying whether the import and export contract information included in the bond discount information is matched with the import and export contract information concluded by the foreign exporter in connection with the domestic import company server. Can be.

If the validity of the bond discount information is not authenticated (1535), the server generates a web page including predetermined information registration error information and transmits it to the terminal (1540), and information corresponding to the bond discount information. Do not perform the registration process.

On the other hand, if the validity of the bond discount information is authenticated (1535), the server performs the information registration procedure corresponding to the bond discount information, the customer information, the export and export contract information, the discount discount and global CMS contract information In operation 1545, the processor 20 stores the data in a predetermined storage medium 1430 in a cooperative process.

According to one embodiment of the invention, the storage medium 1430 is preferably provided in a DBMS on a financial system provided on the bond discount information registration system (or associated with the bond discount information registration system), At this time, the storage medium 1430 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, thereby the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 1430 is provided with (or associated with) a credit discount information registration system, an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. It is possible to be provided in at least one of the DBMS on the banking 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 (1550), thereby completing the procedure of registering the bond discount information transmitted from the terminal.

16A and 16B illustrate a process of registering bond discount information in a non-face-to-face manner for discounting trade receivables of an overseas exporting company according to another exemplary embodiment of the present invention.

In more detail, FIGS. 16A and 16B illustrate a case where the bond discount information registration system shown in FIG. 14 is realized through an Internet banking system among non-face-to-face channel-based banking systems. After accessing the Internet banking server and performing a predetermined customer authentication procedure through the Internet (for example, the Internet), the client terminal transmits predetermined bond discount information for discounting the trade receivable of the foreign exporter to the Internet banking server. When the bond discount information including overseas export company customer information, import and export contract information, bond discount, and global CMS contract information is transmitted, the overseas discount company customer information included in the received bond discount information from the bond discount information registration server; Export and import contract information, bond discount, and global CMS contract information to be processed and stored in a predetermined storage medium (1430) As an embodiment of the present invention, those skilled in the art to which the present invention pertains may refer to or modify the drawings 16a and 16b to register the bond discount information from the client terminal to the bond discount information registration server. Various implementation methods may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation methods shown in FIGS. 16A and 16B.

That is, in FIG. 16A and FIG. 16B, when accessing the Internet banking server through a predetermined browser program (for example, Microsoft Internet Explorer or Netscape's Netscape Navigator, etc.) included in the client terminal, the browser program is based on the browser program. FIG. 16A illustrates a method for connecting an internet banking-based financial transaction channel for registering bond discount information between the client terminal and the internet banking server. And discounting and registering bond discount information between the client terminal and the internet banking server based on a predetermined internet banking program mounted on the client terminal by referring to or modifying an internet banking-based financial transaction channel connection method using the browser program shown in FIG. 16b. To Although it may be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for the present invention, the present invention includes the provided internet banking-based financial transaction based on the internet banking program, and the present invention is not limited thereto.

In addition, those skilled in the art to which the present invention pertains, refer to or modify the Internet banking-based financial transaction channel connection method shown in Figures 16a and 16b, in addition to the Internet banking system, a telebanking system or wireless Another banking system, such as a banking system or a TV banking system, may infer an implementation method of connecting a non-face-to-face channel-based financial transaction channel for registering bond discount information, but the present invention may provide a telebanking system or a wireless banking system or a TV. It includes all types of non-face-to-face channel-based financial transactions, including banking systems or non-face-to-face channel banking systems proposed in the future, the technical configuration of the present invention is limited to the case of the Internet banking shown in Figures 16a and 16b Never.

16A and 16B, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the bond discount information registration server is referred to as " server "

16A and 16B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (1600a), the server communicates between the terminal and the server through the browser. (1605a), wherein the communication channel is a web page generated (or extracted) by a request of a browser program provided in the terminal and transmitted to the terminal, and the browser provided in the terminal. It means that a predetermined communication session is allocated so that a program can receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page.

According to another embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server is based on a predetermined communication protocol defined in the internet banking program and at least one or more information (or Communication channel for transmitting / receiving data) can be allocated.

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal on a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, or the security module. By adding a predetermined script for checking whether or not to update the terminal and providing the terminal to the terminal, it is determined whether the terminal is equipped with a predetermined security module for internet banking or the security module is updated. (1610a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information or the last update date, etc., from the internet banking program, thereby providing the Internet banking program (or the Internet banking program). It can be checked whether or not to update the security module associated with the module.

If a predetermined security module is to be mounted or updated in the terminal (1615a), the server transmits and mounts the latest version of the security module for internet banking to the terminal according to a remote program installation procedure defined in the browser program. Or update 1620a.

If the terminal does not need to install or update the latest version of the Internet banking security module (1625a), or if the terminal does not need to load or update the Internet banking security module (1615a), the server is mounted on the terminal. By activating the security module for internet banking, a security channel for internet banking is connected between the terminal and the server (or a communication channel between the terminal and the server is converted into a secure channel) (1630a), where the security channel for internet banking is referred to. Attach a predetermined electronic signature to information (or data) required for security among information (or data) included in the web page to be provided to the terminal from the server, or at least one encryption method (or encryption algorithm). If encrypted and provided, the terminal checks the digital signature or corresponds to the encryption method (or encryption algorithm). Means a communication channel to decode the information (or data) by a predetermined decoding method (or decryption algorithm), and the predetermined information is provided on the information (or data) to be provided to the server for registering the bond discount information in the terminal. When the digital signature is attached or encrypted and transmitted using at least one encryption method (or encryption algorithm), the server verifies the digital signature or a predetermined decryption method (or decryption) corresponding to the encryption method (or encryption algorithm). Algorithm) means a communication channel to decode the information (or data).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or Data is attached to a predetermined digital signature, or encrypted and provided by at least one encryption method (or an encryption algorithm), the terminal confirms the electronic signature or a predetermined function corresponding to the encryption method (or an encryption algorithm). It means a communication channel to decode the information (or data) by a decryption method (or decryption algorithm), and the predetermined digital signature is added to the information (or data) to be provided to the server for registering the bond discount information in the terminal. Attached or at least one encryption scheme (or encryption) And encrypting the data using an encryption algorithm), so that the server verifies the digital signature or decrypts the information (or data) with a predetermined decryption method (or decryption algorithm) corresponding to the encryption method (or encryption algorithm). It means communication channel.

According to the present invention, the security module is characterized by performing an electronic signature attachment, encryption, or decryption function for the information (or data) by using the customer's authorized certificate mounted on the terminal.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (1635a).

According to an exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (eg, ID / PW, customer number, etc., registered by the customer during the internet banking application process) through the terminal. ) Is input (or generated) and transmitted to the server, wherein the server comprises authenticating a customer connected through the terminal as an internet banking customer based on the customer authentication data, wherein the customer authentication data It is preferable that the digital signature or encrypted is transmitted through the secure channel.

According to another exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (for example, an ID / PW or customer number registered by the customer during the internet banking application process) through the terminal. And the like) are input (or generated) and transmitted to the authentication server, the authentication server authenticates the customer connected through the terminal as the Internet banking customer based on the customer authentication data, and provides the result to the server. In this case, it is preferable that the customer authentication data include public certificate-based authentication data, and the authentication server is a server for authenticating the public certificate-based authentication data.

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, requests an Internet banking customer authentication by electronically signing or encrypting the data through the security module, and transmitting the same to the server (or authentication server) (1640a). In operation 1645a, the server (or authentication server) authenticates the customer connected through the terminal as an internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal.

If the Internet banking customer authentication fails (1650a), the server blocks the Internet banking secure channel for the terminal (1655a), thereby preventing the Internet banking-based financial transactions through the terminal.

On the other hand, if the Internet banking customer authentication is successful (1650a), the server converts the Internet banking security channel into an internet banking-based financial transaction channel in connection with a security module provided in the terminal (1660a), where the Internet banking-based The financial transaction channel refers to a communication channel that transmits and registers predetermined bond discount information for discounting trade receivables of an overseas exporter from the terminal to the server.

Subsequently, when the terminal requests internet banking-based bond discount information registration to the server through the inter-banking banking-based financial transaction channel for registration of bond discount information (1600b), the server provides a predetermined number for registering the bond discount information. A web page corresponding to the information registration interface is generated (or extracted) (1605b), and the generated (or extracted) web page is transmitted to the terminal through the internet banking-based financial transaction channel (1610b).

According to an embodiment of the present invention, the information registration interface is an interface that inputs (or selects) bond discount information including at least one or more foreign export company customer information, import and export contract information, bond discount, and global CMS contract information. It is preferable to include, or a predetermined password (eg, account password, etc.) or security code (eg, the Internet) to confirm the validity of the Internet banking customer requesting registration of the bond discount information or the bond discount information A security code printed on a security card issued to a customer during the banking application process, or an OTP (One Time Password) (for example, an Internet banking application process (or after an internet banking application). And an interface for inputting a one-time password generated through the authentication program). It is desirable.

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

Thereafter, the terminal inputs (or selects) bond discount information including at least one or more of the overseas export company customer information, import / export contract information, bond discount, and global CMS contract information through the information registration interface (1615b).

If the terminal receives (or selects) bond discount information including the overseas export company customer information, import / export contract information, bond discount, and global CMS contract information through the information registration interface (1620b), the terminal receives the financial information. The credit discount information input (or selected) is transmitted to the server through the transaction channel (1625b).

According to an embodiment of the present invention, transmitting the bond discount information input (or selected) through the financial transaction channel to the server may include the bond discount information input (or selected) through the information registration interface. It comprises a digital signature or encryption through the security module provided in the transmission to the server.

Thereafter, the server receives and reads the bond discount information through the financial transaction channel to confirm the validity of the bond discount information (1630b).

According to the method of the present invention, confirming the validity of the bond discount information, when the bond discount information is electronically signed or encrypted through a security module provided in the terminal, decrypt the bond discount information, or It may further comprise decoding the bond discount information.

In addition, the validity check of the bond discount information, preferably, further comprises authenticating a password or security code or OTP included in the bond discount information.

According to an embodiment of the present invention, the validity of the bond discount information is determined by at least one ledger information matching the bond discount information in the ledger D / B on the financial system associated with the bond discount information registration system. It is preferable to include checking.

For example, the validity check on the bond discount information confirms whether the foreign exporter company information included in the bond discount information matches the customer ledger stored in the ledger D / B on the financial system linked with the bond discount information registration system. It can be made, including.

In addition, the validity of the bond discount information is checked whether the foreign exporter company customer account information included in the bond discount information matches the account ledger stored in the ledger D / B on the financial system linked to the bond discount information registration system It can be made to include.

In addition, the validity confirmation of the bond discount information is the import and export contract information registered by the domestic import company, the import and export contract information contained in the bond discount information stored in a predetermined storage medium 1430 associated with the bond discount information registration system And confirming that the match with the.

In addition, the validity of the bond discount information includes verifying whether the import and export contract information included in the bond discount information is matched with the import and export contract information concluded by the foreign exporter in connection with the domestic import company server. Can be.

If the validity of the bond discount information is not authenticated (1635b), the server generates a web page including predetermined bond discount information registration error information and transmits it to the terminal (1640b) and corresponds to the bond discount information. Do not perform the information registration procedure.

On the other hand, if the validity of the bond discount information is authenticated (1635b), the server performs an information registration procedure corresponding to the bond discount information, so that the customer information, export and import contract information, foreign export contract information, foreign companies included in the bond discount information The discount and global CMS contract information are processed in association and stored in a predetermined storage medium 1430 (1645b).

According to one embodiment of the present invention, the storage medium 1430 is preferably provided in a DBMS on a financial system provided on the bond discount information registration system (or associated with the bond discount information registration system). At this time, the storage medium 1430 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 1430 is provided with (or associated with) a credit discount information registration system, an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. It is possible to be provided in at least one of the DBMS on the banking system, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined bond discount information registration history information and transmits it to the terminal (1650b), thereby completing the bond discount information registration transmitted from the terminal.

17 is a diagram illustrating a system for registering discount application information in a face-to-face manner for the receivable transfer and discount application according to an embodiment of the present invention.

In more detail, Figure 17 shows that an overseas export enterprise customer who has entered into a predetermined import and export contract with a given domestic import company, through the bond discount information registration system shown in FIG. And register discount information, including discounts on bonds and global CMS contract information, and obtain customer information, import and export contract information, discount discounts and global CMS through domestic bond discount information registration system shown in FIG. 1 or FIG. After the processing of the prescribed goods according to the import and export contract with the domestic import company registered bond discount information including the contract information, the trade receivable through the predetermined information registration interface to the discount application information registration system shown in this figure For export and discount applications, customer information of foreign exporters, receivables for receivables from trade receivables, receivables for receivables from trade receivables, shipping documents When providing bond transfer and discount application information including at least one of the above, the discount application information registration system in the bond transfer and discount application information provided in the foreign export company customer information, sales receivable transfer application information, discounts on trade receivables A system configuration for storing application information and shipping document information in a predetermined storage medium 1735 by linking and processing the application information, and those skilled in the art to which the present invention pertains may refer to or modify this figure 17 to sell. Various implementation methods for constructing a discount application information registration system for bond transfer and discount application may be inferred, but 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 or more means for storing the bond transfer and discount application information provided from the foreign exporter enterprise customer through the predetermined information registration interface shown in FIG. 17 on the storage medium 1735. Or a component corresponding to the functional configuration is referred to as "discount application information registration server 1700" for convenience.

Referring to this figure 17 according to the embodiment of the present invention, the discount application information registration system for the receivables transfer and discount application, the counter terminal is provided in at least one financial institution branch (or branch or head office) And an information registration terminal, wherein the information registration terminal is connected to a discount application information registration server 1700 provided on the discount application information registration system through a predetermined financial network (or communication network). do.

According to an exemplary embodiment of the present invention, the foreign exporter company customer visits the financial institution branch (or branch or main branch) for the sales receivable transfer and discount application, and is provided at the financial institution branch (or branch or main branch). A prescribed application (eg, a document with a form for filling in at least one item of information for receivables transfer and discount application) through a designated counter (or through a clerk) When the completed application is submitted to the counter clerk, the counter clerk inputs (or selects) the information written in the application through a predetermined counter terminal, and the counter terminal displays the input (or selected) information. It is preferable to transmit to the discount application information registration server 1700 provided on the discount application information registration system through a financial network.

Here, the teller terminal preferably comprises a manager terminal used by the teller staff provided in the branch (or branch or main office) of the financial institution, the discount application information registration server 1700 connected to the teller terminal is the predetermined It is preferable to include a ledger server provided on the financial system of the, the financial network (or communication network) connecting the teller terminal and the discount application information registration server 1700 is the teller terminal and the discount application information registration server ( 1700) preferably comprises a network for connecting the communication channel.

In the discount application information registration system as described above, an application prepared by the overseas export enterprise customer, a teller terminal used by the teller, and a financial network connecting the teller terminal and the discount application information registration server 1700 (or Communication network) performs a function of an information registration interface for the foreign exporter enterprise customer to register the bond transfer and discount application information for the receivable transfer and discount application.

The storage medium 1735 provided on the discount application information registration system according to the present invention includes the customer information of foreign export companies included in the bond transfer and discount application information provided from the information registration terminal, sales bond transfer request information, The trade receivables discount application information and the shipping document information is processed in a predetermined storage medium (1735), and stored in the storage medium (1735), the customer information of the foreign export company stored in the storage medium (1735), receivables transfer application information, sales Bond transfer and discount application information including at least one bond discount application information, shipping document information is used for the sales bond transfer and discount application.

The customer information of the foreign exporter company is the personal information of the foreign exporter company customer who has entered into a certain import and export contract with a given domestic import company (for example, company name, business registration number (or foreign company unique code corresponding to domestic business registration number)). , Corporate registration number (or foreign company unique code corresponding to domestic corporate registration number), representative, address, telephone number, mobile phone number, e-mail address, etc., and the member information of the customer (e.g., Member ID information, or CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system associated with the bond discount information registration system in response to the customer by subscribing as a financial transaction customer; It is preferable to include at least one or more account information corresponding to the financial account opened in the name.

The trade receivable transfer application information is preferably made to include the receivables receivable information and the receivables due date information generated by the overseas export enterprise customer by the sale of a predetermined product to the domestic import enterprise customer.

The trade receivable discount application information is information for discounting the trade receivable from the financial institution under appeal or no appeal under the consent of the domestic import enterprise customer who has signed an import and export contract with the overseas export enterprise customer. It is preferable that the discount fee information is included.

The shipping document information is the document information according to the shipment of the goods after the foreign export enterprise customer shipped the predetermined goods corresponding to the import and export contract to the domestic import enterprise customer, bills of lading, bills of lading, bill of goods, commercial It is preferable to include at least one or more invoices, marine insurance policies and the like.

According to an embodiment of the present invention, the storage medium 1735 is preferably provided in a DBMS on a financial system provided on the discount application information registration system (or associated with the discount application information registration system). In this case, the storage medium 1735 may be a ledger D / B provided in a DBMS on the financial system, or a predetermined database linked to the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 1735 is provided on (or associated with) the discount application information registration system, an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. It is possible to be provided in at least one of the DBMS on the banking system, whereby the present invention is not limited.

The discount application information registration server 1700 provided on the discount application information registration system according to the present invention is a component of the discount application information registration system side connected to the information registration terminal through a predetermined financial network (or a communication network). Collectively, at least one server (or device) may be implemented, or may be implemented as at least one or more programs recorded on a recording medium included in a predetermined server (or device), and the present invention is not limited thereto. No.

According to an exemplary 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 discount application information registration server 1700 may be connected to a predetermined financial network (or a communication network). It may be a ledger server provided on the financial system connected to the teller terminal, or a server (or device) provided on the external system on the financial system, or a program provided on the external system on the financial system. The invention is not limited.

According to the embodiment of the present invention, the discount application information registration server 1700 is provided with an interface unit 1705 for connecting and managing a predetermined communication channel with the information registration terminal through the financial network (or communication network). It is characterized by.

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 1705 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. 17, the discount application information registration server 1700 connects a communication channel with the discount application information registration server 1700 through the interface unit 1705 through a predetermined information registration terminal. An interface providing unit for generating (or extracting) a predetermined user interface for inputting (or selecting) and transferring predetermined bond transfer and discount application information from the information registration terminal in connection with 1705, and providing the information registration terminal to the information registration terminal. 1710 and an information receiving unit 1715 receiving predetermined bond transfer and discount application information inputted (or selected) and transmitted from the information registration terminal through the user interface in association with the interface unit 1705. The validity confirming unit 1720 confirms the validity of the received bond transfer and discount application information, and the validity of the bond transfer and discount application information. The information storage unit 1725 and the overseas export enterprise customer to store the information stored in a predetermined storage medium (1735) in conjunction with the foreign export company customer information, sales receivable transfer application information, sales receivable discount application information, shipping documents information It characterized in that it comprises an information transmission unit 1730 for notifying the transfer request details of the receivables of the trade receivables to the domestic import enterprise customer signed an import and export contract.

The interface providing unit 1710 corresponds to a functional configuration provided in the information registration terminal after a predetermined information registration terminal connects a communication channel with the discount application information registration server 1700 through the interface unit 1705. Input (or select) the bond transfer and discount application information to generate a predetermined user interface that can be transmitted to the discount application information registration server 1700 through the financial network (or communication network), or a predetermined database ( And extract the generated (or extracted) user interface in cooperation with the interface unit 1705 to the information registration terminal through the financial network (or communication network).

At least one of inputting (or selecting) the bond transfer and discount application information to the information registration terminal according to another exemplary embodiment of the present invention and transmitting the bond transfer and discount application information to the discount application information registration server 1700 through the financial network (or communication network). When a predetermined information registration program having the above user interface is provided, the interface providing unit 1710 which provides 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 bond transfer and discount application information including at least one of the customer information, the trade receivable transfer application information, the trade receivable discount application information, and the shipping document information based on the user interface ( Or select) and transmit the input (or selected) bond transfer and discount application information to the discount application information registration server 1700 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 1710 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 counter terminal through the interface unit 1705.

The information receiving unit 1715 is a bond transfer and discount application that includes at least one or more export company customer information, sales receivable transfer application information, sales receivable discount application information, shipping documents information through the user interface in the information registration terminal When the information is input (or selected) and transmitted through the financial network (or the communication network), the bond transfer and discount application information are received in connection with the interface unit 1705. The received bond transfer and The discount application information is provided to the validity verification unit 1720.

The validity verification unit 1720 is characterized in that whether the bond transfer and discount application information received from the information registration terminal satisfies the validity for the sales bond transfer and discount application.

According to an embodiment of the present invention, the validity of the bond transfer and discount application information is at least one matched with the bond transfer and discount application information in the ledger D / B on the financial system associated with the discount application information registration system It is preferable to include checking whether the ledger information is registered.

For example, the validity of the bond transfer and discount application information may be determined by a customer stored in the ledger D / B on the financial system linked to the bond discount information registration system. This may include checking that the match matches the ledger.

In addition, the validity of the bond transfer and discount application information is the discount stored in the storage medium (1735) the foreign exporter customer information contained in the bond transfer and discount application information stored in a predetermined storage discount system associated with the bond discount information registration system And confirming that the global CMS service contract customer information is matched.

In addition, the validity of the bond transfer and discount application information is stored in the ledger D / B on the financial system linked to the bond discount information registration system, the customer account information of the foreign exporter company included in the bond transfer and discount application information This may include checking the match with the ledger.

In addition, the validity of the bond transfer and discount application information is the domestic import and export contract information included in the bond transfer and discount application information stored in the predetermined storage medium 1735 associated with the bond discount information registration system, the domestic import This may include checking whether the company matches the registered import and export contract information.

Further, the validity of the bond transfer and discount application information may be determined by the shipment provided by the foreign exporter by linking the shipping document information included in the bond transfer and discount application information with the shipping document issuing agency (or issuer) server. This may include verifying the validity of the document information.

When the validity of the bond transfer and discount application information is confirmed, the information storage unit 1725 includes information on customer exports of foreign companies included in the bond transfer and discount application information, trade receivable transfer application information, trade receivable discount application information, The storage document 1735 may be stored in the storage medium 1735 by linking and processing shipping document information. The storage medium 1735 may be provided in the discount application information registration server 1700 or the discount application information registration server 1700. When provided on the network associated with the information storage unit 1725, the information on the foreign exporters included in the received bond transfer and discount application information, customer receivables transfer application information, receivables discount application information, shipping documents Preferably, the information storage unit 1725 is stored in the storage medium 1735 by linking the information. When the storage medium 1735 is provided in a DBMS provided on a financial system, the information storage unit 1725 includes: Overseas export company customer information, sales receivable transfer application information, trade receivable discount application information, and shipping document information included in the received bond transfer and discount application information are provided to the financial system through the external system of the financial system. It is preferable to store in the provided DBMS.

The information transmitting unit 1730 generates the transfer application history information including the transfer application history of the receivables of the overseas export enterprise customer, and the export and export agreement with the overseas export enterprise customer It is characterized in that the notification by sending to the domestic imported enterprise customer communication means.

Here, the domestic imported enterprise customer communication means, characterized in that it comprises at least one e-mail, text message, ARS (telephone), fax, homepage, bulletin board, blog mini homepage, messenger.

18 is a diagram illustrating a process of registering bond transfer and discount application information in a face-to-face manner according to an embodiment of the present invention.

In more detail, in FIG. 18, the discount application information registration server 1700 on the discount application information registration system shown in FIG. 17 provides a ledger server (not shown) function on the financial system linked to the counter terminal through a predetermined financial network. In this case, the counter terminal accesses the discount application information registration server 1700, connects a communication channel for registering the discount application information according to the present invention, and then stores the discount application information registration server through the communication channel. When the bond transfer and discount application information including the overseas export company customer information, the trade receivable transfer application information, the trade receivable discount application information, and the shipping document information is transmitted, the discount application information registration server 1700 is transmitted. Linked processing of customer information, overseas bond transfer request information, trade bond discount application information, shipping document information, etc. The present invention relates to an implementation method of storing in a predetermined storage medium 1735, and a person having ordinary knowledge in the technical field to which the present invention pertains may refer to or modify this drawing 18 and register the discount application information registration server at the counter terminal. Although various implementation methods for registering the bond transfer and discount application information may be inferred at 1700, the present invention includes all the implementation methods inferred above and is not limited to the implementation method illustrated in FIG. 18.

Hereinafter, in FIG. 18, the window terminal shown in FIG. 17 is called "terminal" for convenience, and the discount application information registration server 1700 shown in FIG. 17 is called "server" for convenience. The foreign exporter customer information, sales receivable transfer application information, sales receivable discount application information, and shipping document information transmitted to the discount application information registration server 1700 are referred to as "bond transfer and discount application information" for convenience.

Referring to FIG. 18, a window terminal shown in FIG. 17 connects to a server through a predetermined financial network (or a communication network) to connect a predetermined communication channel for registering the bond transfer and discount application information. When requesting registration of the bond transfer and discount application information for sales bond transfer and discount application (1800), the server generates (or extracts) a predetermined information registration interface for registering the bond transfer and discount application information ( 1805, the information registration interface generated (or extracted) is transmitted to the terminal through the communication channel and output (1810).

According to the implementation method of the present invention, the information registration interface bond transfer and discount application information including at least one or more of the customer information, sales receivable transfer application information, sales receivable discount application information, shipping document information at the terminal; It is preferable to include a user interface for inputting (or selecting).

Thereafter, the terminal inputs (or selects) bond transfer and discount application information including at least one or more foreign exporter company customer information, sales receivable transfer application information, sales receivable discount application information, and shipping document information through the information registration interface. (1815).

When the terminal receives (or selects) bond transfer and discount application information including the customer information, the trade receivable transfer application information, the trade receivable discount application information, and the shipping document information, through the information registration interface (1820) ), The terminal is a bond transfer and discount application, including the customer information, foreign trade receivable transfer application information, sales receivable discount application information, shipping documents information entered (or selected) through the financial network (or communication network) The information is sent to the server (1825).

Thereafter, the server receives and reads the customer information, the trade receivable transfer application information, the trade receivable discount application information, and the shipping document information through the financial network (or the communication network) for the bond transfer and discount application information. Validate (1830).

According to an embodiment of the present invention, the validity of the bond transfer and discount application information is at least one matched with the bond transfer and discount application information in the ledger D / B on the financial system associated with the discount application information registration system It is preferable to include checking whether the ledger information is registered.

For example, the validity of the bond transfer and discount application information may be determined by a customer stored in the ledger D / B on the financial system linked to the bond discount information registration system. This may include checking that the match matches the ledger.

In addition, the validity of the bond transfer and discount application information is the discount stored in the storage medium (1735) the foreign exporter customer information contained in the bond transfer and discount application information stored in a predetermined storage discount system associated with the bond discount information registration system And confirming that the global CMS service contract customer information is matched.

In addition, the validity of the bond transfer and discount application information is stored in the ledger D / B on the financial system linked to the bond discount information registration system, the customer account information of the foreign exporter company included in the bond transfer and discount application information This may include checking the match with the ledger.

In addition, the validity of the bond transfer and discount application information is the domestic import and export contract information included in the bond transfer and discount application information stored in the predetermined storage medium 1735 associated with the bond discount information registration system, the domestic import This may include checking whether the company matches the registered import and export contract information.

Further, the validity of the bond transfer and discount application information may be determined by the shipment provided by the foreign exporter by linking the shipping document information included in the bond transfer and discount application information with the shipping document issuing agency (or issuer) server. This may include verifying the validity of the document information.

If the validity of the bond transfer and discount application information is not authenticated (1835), the server generates predetermined information registration error information and transmits the generated information to the terminal (1840), corresponding to the bond transfer and discount application information. Do not perform the information registration procedure.

On the other hand, if the validity of the bond transfer and discount application information is authenticated (1835), the server performs the information registration procedure corresponding to the bond transfer and discount application information, so that the customer information of the foreign exporter company, the bond receivable application information In operation 1845, the trade receivables discount application information and the shipping document information are processed in association with each other and stored in a predetermined storage medium 1735.

According to an embodiment of the present invention, the storage medium 1735 is preferably provided in a DBMS on a financial system provided on the discount application information registration system (or associated with the discount application information registration system). In this case, the storage medium 1735 may be a ledger D / B provided in a DBMS on the financial system, or a predetermined database linked to the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 1735 is provided on (or associated with) the discount application information registration system, an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. It is possible to be provided in at least one of the DBMS on the banking system, whereby the present invention is not limited.

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (1850), thereby completing the procedure of registering the bond transfer and discount application information transmitted from the terminal.

In addition, the server generates the transfer request history information including the transfer request history for the receivables of the overseas export enterprise customer, and the domestic export contract agreement with the foreign export enterprise customer the generated transfer history information Import company customers are notified by transmitting by means of communication means (eg, e-mail, text message, ARS (telephone), fax, homepage, bulletin board, blog mini homepage, messenger, etc.) (1855).

19 is a diagram illustrating a non-face-to-face discount application information registration system for sales receivable transfer and discount application according to another embodiment of the present invention.

In more detail, Figure 19 shows that an overseas export enterprise customer who has entered into a predetermined import and export contract with a given domestic import company, through the bond discount information registration system shown in FIG. And register discount information, including discounts on bonds and global CMS contract information, and obtain customer information, import and export contract information, discount discounts and global CMS through domestic bond discount information registration system shown in FIG. 1 or FIG. After processing the prescribed goods according to the import and export contract with the domestic import company that registered the bond discount information including contract information, the transfer of the trade receivable and discount application to the discount application information registration system through a predetermined information registration interface. At least one of the information on the export company's customer information, trade receivables transfer information, trade receivables discount application information, and shipping documents When providing the bond transfer and discount application information included in the above, the discount application information registration system, the foreign exporter company customer information, sales bond transfer application information, sales bond discount application information, included in the bond transfer and discount application information provided; The present invention relates to a system configuration for linking and processing shipping document information to a predetermined storage medium 1935. Those skilled in the art to which the present invention pertains may refer to or modify this figure 19 to transfer sales and receivables. Various implementation methods for constructing a discount application information registration system for a discount application may be inferred, but 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 or more means for storing the bond transfer and discount application information provided from the foreign exporter enterprise customer through the predetermined information registration interface on the discount application information registration system shown in FIG. 19 in the storage medium 1935. Alternatively, a component corresponding to the functional configuration is referred to as "discount application information registration server 1900" for convenience.

Referring to this drawing 19 according to the embodiment of the present invention, the discount application information registration system for the receivables transfer and discount application, the client terminal including at least one wired terminal or wireless terminal used by the foreign exporter enterprise customer And an information registration terminal including at least one or more information, wherein the information registration terminal communicates with a discount application information registration server 1900 provided on the discount application information registration system through a predetermined network means. The channel is connected.

According to one embodiment of the present invention, the overseas export enterprise customer to the discount application information registration server 1900 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. When the client accesses and inputs (or selects) bond transfer and discount application information for the trade receivable transfer and discount application through at least one user interface provided by the discount application information registration server 1900, the client terminal may set a predetermined value. It is preferable to transmit to the discount application information registration server 1900 provided on the discount application 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 discount application information registration server 1900 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 according to the characteristics of the client terminal and network means. It is preferable to include a separate web server for registration.

The network means for connecting the client terminal and the discount application information registration server 1900 may be a CDMA-based mobile communication network, an IEEE 802.16x-based mobile Internet, or a DataTAC / Mobitex-based device, depending on the type of wireless communication network to which the client terminal is connected. It is preferable that the wireless data communication network is any one of the above, or a wireless communication network including all kinds of future proposals including a predetermined wireless interval.

In addition, the client terminal outputs at least one user interface provided by the discount application information registration server 1900, and inputs or selects at least one information through the user interface to the discount application information registration server 1900 It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and a communication function to communicate with the discount application information registration server 1900, etc.) for transmitting to the network 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 wired terminal or a wireless terminal, and thus a detailed description thereof is omitted for convenience.

In the discount application information registration system as described above, at least one client terminal including at least one wired terminal or a wireless terminal used by the overseas export enterprise customer, and at least one of connecting the client terminal and the discount application information registration server (1900). One or more wired communication networks or wireless communication networks perform a function of an information registration interface for the foreign exporter enterprise customer to register the bond transfer and discount application information for the sales bond transfer and discount application.

According to another exemplary embodiment of the present invention, the information registration terminal, in addition to the client terminal, a cash automatic teller machine (ATM) connected to a predetermined financial network (for example, a financial common network), a cash dispenser (Cash Dispenser) A telephone call further comprising a financial automation device (not shown) including a CD, or connected to a fixed telephone network such as a Public Switched Telephone Network (PSTN) or a Voice over IP (VoIP) network. It further comprises a terminal (not shown), 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 at least one or more affiliated with the financial institution Terminals (or servers) (not shown) provided in the engine may be further included, whereby the present invention is not limited.

In the discount application information registration system as described above, when the information registration terminal is the call terminal (not shown), the call terminal (not shown) and the call terminal (not shown) and the discount application information registration server (1900) The wired telephone network or the wireless telephone network, which connects the above, performs a function of an information registration interface for the foreign exporter enterprise customer to register bond transfer and discount application information for the trade bond transfer and discount application, or the information registration terminal. In the case of a terminal (or server) (not shown) provided in an institution affiliated with the financial institution, the terminal (or server) (not shown) and the terminal (or server) (not shown) and the discount application information registration server A network linking 1900 is an information registration interlink for the foreign exporter enterprise customer to register bond transfer and discount application information for the trade bond transfer and discount application. It performs the function of the device.

The storage medium 1935 provided on the discount application information registration system according to the present invention includes the customer information of foreign export companies included in the bond transfer and discount application information provided from the information registration terminal, sales bond transfer request information, The trade receivables discount application information, the shipping document information is processed in conjunction with the predetermined storage medium (1935), characterized in that stored in the storage medium (1935) the customer information of the foreign export company, sales receivable transfer application information, sales Bond transfer and discount application information including at least one bond discount application information, shipping document information is used for the sales bond transfer and discount application.

The customer information of the foreign exporter company is the personal information of the foreign exporter company customer who has entered into a certain import and export contract with a given domestic import company (for example, company name, business registration number (or foreign company unique code corresponding to domestic business registration number)). , Corporate registration number (or foreign company unique code corresponding to domestic corporate registration number), representative, address, telephone number, mobile phone number, e-mail address, etc., and the member information of the customer (e.g., Member ID information, or CIF (Customer Information File) number, etc. provided in the customer ledger provided on the financial system associated with the bond discount information registration system in response to the customer by subscribing as a financial transaction customer; It is preferable to include at least one or more account information corresponding to the financial account opened in the name.

The trade receivable transfer application information is preferably made to include the receivables receivable information and the receivables due date information generated by the overseas export enterprise customer by the sale of a predetermined product to the domestic import enterprise customer.

The trade receivable discount application information is information for discounting the trade receivable from the financial institution under appeal or no appeal under the consent of the domestic import enterprise customer who has signed an import and export contract with the overseas export enterprise customer. It is preferable that the discount fee information is included.

The shipping document information is the document information according to the shipment of the goods after the foreign export enterprise customer shipped the predetermined goods corresponding to the import and export contract to the domestic import enterprise customer, bills of lading, bills of lading, bill of goods, commercial It is preferable to include at least one or more invoices, marine insurance policies and the like.

According to an exemplary embodiment of the present invention, the storage medium 1935 may be provided in a DBMS on a financial system provided on the discount application information registration system (or associated with the discount application information registration system). In this case, the storage medium 1935 may be a ledger D / B provided in a DBMS on the financial system, or a predetermined database linked to the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 1935 is provided on (or associated with) the discount application information registration system, an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. It is possible to be provided in at least one of the DBMS on the banking system, whereby the present invention is not limited.

The discount application information registration server 1900 provided on the discount application information registration system according to the present invention is a generic term for the discount application information registration system side component connected to the information registration terminal through a predetermined network means. It may be implemented by including one or more servers (or devices), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), whereby the present invention is not limited.

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 connectable to an internet banking server on a predetermined internet banking system, the discount application information registration server 1900 is the Internet. A predetermined internet banking server provided on a banking system, a program provided in the internet banking server, or a predetermined server (or device) accessible to the external system of the financial system through the internet banking system; A program included in a server (or device), or a server (or device) provided in an external system on the financial system accessible through the Internet banking server (or the server (or device)), or on the financial system. It may be a program provided in the external system, whereby the present invention is not limited The.

According to another embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the discount application information registration server 1900 is the wireless banking system Is a predetermined wireless banking server provided on the program, a program provided in the wireless banking server, or a predetermined server (or device) accessible to the external system of the financial system through the wireless banking system, or the server ( Or a server (or device) provided in an external system on the financial system accessible through the wireless banking server (or the server (or device)), or a program on the financial system. It may be a program provided in the outer world, whereby the present invention is not limited.

According to another embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the discount application information registration server 1900 is the telebanking system. A predetermined telebanking server (eg, an Automatic Response Service (ARS) server) provided in the program, a program provided in the telebanking server, or a predetermined external access to the external system of the financial system through the telebanking system. A server (or device) of a server, a program included in the server (or device), or a server (or an external device on the financial system accessible through the telebanking server (or the server (or device)). Device) or a program included in the external system on the financial system, whereby the present invention is not limited thereto. .

According to an embodiment of the present invention, the discount application information registration server 1900 is characterized by comprising an interface unit 1905 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 1905 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 equipped with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 1905 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 discount application information registration server 1900, the interface unit 1905 is based on the TCP / IP protocol. And a communication channel and provide 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 1905 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 1905 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 discount application information registration server 1900, the interface unit 1905 is based on the CDMA protocol. It connects a communication channel with a terminal 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 1905 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 1905 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. .

According to another exemplary embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 1905 is based on a protocol stack defined in the TV banking system. Connects a predetermined communication channel with the wired terminal (or bidirectional digital TV), and transmits and receives at least one information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV). It would be desirable to provide a communication interface for the present invention.

Referring to FIG. 19, the discount application information registration server 1900 connects a communication channel with the discount application information registration server 1900 through the interface unit 1905 through the interface unit 1905 and then the interface. An interface for generating (or extracting) a predetermined user interface for inputting (or selecting) predetermined bond transfer and discount application information from the information registration terminal in connection with the first registration unit 1905 and providing the information registration terminal to the information registration terminal. An information receiver 1915 for receiving predetermined bond transfer and discount application information transmitted from the information registration terminal through the user interface in connection with the study 1910 and the interface unit 1905; , The customer information of the foreign exporter company included in the received bond transfer and discount application information, the trade receivables transfer information, the trade receivables discount application information, shipping document information A domestic import company that has entered into an import and export contract with an overseas export enterprise customer for a transfer application for the trade receivables of the information storage unit 1925 and the overseas export enterprise customer, which are stored in a predetermined storage medium (1935) by linking processing. And an information transmission unit 1930 for notifying the customer.

The interface providing unit 1910 corresponds to a functional configuration provided in the information registration terminal after a predetermined information registration terminal connects a communication channel with the discount application information registration server 1900 through the interface unit 1905. Generate (or select) the bond transfer and discount application information to generate a predetermined user interface which can be transmitted to the discount application information registration server 1900 via the network means, or from a predetermined database (not shown). And extract the generated (or extracted) user interface in cooperation with the interface unit 1905 to the information registration terminal through the network means.

Subsequently, the information registration terminal inputs bond transfer and discount application information including at least one of the customer information, the trade receivable transfer application information, the trade receivable discount application information, and the shipping document information based on the user interface ( Or select) and transmit the input (or selected) bond transfer and discount application information to the discount application information registration server 1900 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 1910 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 1905.

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 1910 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 1905.

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 1910 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 1905. desirable.

According to another exemplary embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 1910 is connected to the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 1905.

According to another embodiment of the present invention, at least one user interface for inputting (or selecting) the bond transfer and discount application information to the information registration terminal and transmitting it to the discount application information registration server 1900 through the network means. When the predetermined information registration program is provided, the interface providing unit 1910 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 1915 is a bond transfer and discount application information including at least one or more of the export customer information, sales receivable transfer application information, sales receivable discount application information, shipping documents information from the information registration terminal through the user interface When inputting (or selecting) and transmitting through the network means, and receives the bond transfer and discount request information in conjunction with the interface unit 1905, the received bond transfer and discount request information Provided to the validation unit 1920.

The validity verification unit 1920 is characterized in that whether the bond transfer and discount application information received from the information registration terminal satisfies the validity for the sales bond transfer and discount application.

According to an embodiment of the present invention, the validity of the bond transfer and discount application information is at least one matched with the bond transfer and discount application information in the ledger D / B on the financial system associated with the discount application information registration system It is preferable to include checking whether the ledger information is registered.

For example, the validity of the bond transfer and discount application information is stored in the ledger D / B on the financial system linked to the bond discount information registration system. This may include checking that it matches a customer ledger.

In addition, the validity of the bond transfer and discount application information is a discount stored in the storage medium (1935) that the customer information of the foreign exporters included in the bond transfer and discount application information is linked to the bond discount information registration system And confirming that the global CMS service contract customer information is matched.

In addition, the validity of the bond transfer and discount application information is stored in the ledger D / B on the financial system linked to the bond discount information registration system, the customer account information of the foreign exporter company included in the bond transfer and discount application information This may include checking the match with the ledger.

In addition, the validity of the bond transfer and discount application information is the import and export contract information included in the bond transfer and discount application information stored in the domestic import stored in a predetermined storage medium (1935) associated with the bond discount information registration system This may include checking whether the company matches the registered import and export contract information.

In addition, the validity of the bond transfer and discount application information is provided by the foreign exporter company by linking the shipping document information included in the bond transfer and discount application information with the shipping document issuing agency (or issuer) server. This may include verifying the validity of the shipping document information.

When the validity of the bond transfer and discount application information is confirmed, the information storage unit 1925 may include the customer information of the foreign exporter company included in the bond transfer and discount application information, the trade receivable transfer application information, the trade receivable discount application information, The storage document 1935 may be stored in the storage medium 1935 by processing shipment document information. The storage medium 1935 may be provided in the discount application information registration server 1900 or the discount application information registration server 1900. When provided on a network associated with the information storage unit 1925, the information on the export of foreign companies included in the received bond transfer and discount application information, sales receivable transfer application information, sales bond discount application information, shipping documents Preferably, the information storage unit 1925 may be stored in the storage medium 1935 by linking the information. When the storage medium 1935 is provided in a DBMS provided on a financial system, the information storage unit 1925 may be used. Overseas export company customer information, trade receivable transfer application information, trade receivable discount application information and shipping document information included in the received bond transfer and discount application information are provided to the financial system through the external system of the financial system. It is preferable to store in the provided DBMS.

The information transmitting unit 1930 generates the transfer application history information including the transfer application history of the receivables of the overseas export enterprise customer, and the export and export agreement with the foreign export enterprise customer It is characterized in that it is sent to the domestic imported enterprise customer communication means signed.

Here, the domestic imported corporate customer communication means, characterized in that it comprises at least one e-mail, text message, ARS (telephone), fax, homepage, bulletin board, blog mini homepage, messenger.

20 is a diagram illustrating a process of registering bond transfer and discount application information in a non-face-to-face manner for transfer of trade receivables and discounts according to one embodiment of the present invention.

More specifically, FIG. 20 shows the case where the discount application information registration server 1900 on the discount application information registration system shown in FIG. 19 has a web server function to which a client terminal can be connected through a predetermined network means. A client terminal accesses the discount application information registration server 1900 and connects a communication channel for registering discount application information according to the present invention, and then exports the overseas application to the discount application information registration server 1900 through the communication channel. When the bond transfer and discount application information including corporate customer information, trade receivable transfer application information, trade receivable discount application information, and shipping document information is transmitted, the received bond transfer and discount is received from the discount application information registration server 1900. The customer information, the trade receivable transfer application information, the trade receivable discount application information, and the shipping document information included in the application information shall be processed. The present invention relates to an implementation method of storing in a predetermined storage medium 1935. If a person of ordinary skill in the art belongs to the present invention, the discount application information registration server in the client terminal may be referred to or modified with reference to FIG. Although various implementation methods for registering the bond transfer and discount application information may be inferred at 1900, the present invention includes all implementation methods inferred above and is not limited to the implementation method illustrated in FIG. 20.

Hereinafter, in FIG. 20, the client terminal shown in FIG. 19 is referred to as "terminal" for convenience, and the discount application information registration server 1900 shown in FIG. 19 is referred to as "server" for convenience. The foreign exporter customer information, sales receivable transfer application information, sales receivable discount application information, and shipping document information transmitted to the discount application information registration server 1900 are referred to as "bond transfer and discount application information" for convenience.

Referring to FIG. 20, the client terminal illustrated in FIG. 19 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, and when the client terminal is a wireless terminal, CDMA based mobile). A predetermined communication channel for registering the bond transfer and discount application information by accessing the server through a communication network or an IEEE 802.16x-based portable Internet, etc., and transferring the bond for the sales bond transfer and discount application. When requesting registration of discount application information (2000), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for the bond transfer and discount application information registration (2005), and through the communication channel. The generated (or extracted) web page is transmitted to the terminal for output (2010).

According to the implementation method of the present invention, the information registration interface bond transfer and discount application information including at least one or more of the customer information, sales receivable transfer application information, sales receivable discount application information, shipping document information at the terminal; It is preferable to include a user interface for inputting (or selecting).

In addition, the web page transmission or output process is preferably performed at least one or more times according to the bond transfer and discount application information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) bond transfer and discount application information including at least one or more foreign exporter company customer information, sales receivable transfer application information, sales receivable discount application information, and shipping document information through the information registration interface. (2015).

If the terminal receives (or selects) the bond transfer and discount application information including the customer information, the trade receivable transfer application information, the trade receivable discount application information, and the shipping document information, through the information registration interface (2020) In step 2025, the terminal transmits the input (or selection) of the foreign exporter company customer information, the trade receivable transfer request information, the trade receivable discount application information, and the shipping document information to the server through the communication channel.

According to the implementation method of the present invention, transmitting the customer information, the trade receivable transfer application information, the trade receivable discount application information, the shipping document information, and the shipping document information input (or selected) through the communication channel, The electronic device may further include electronically signing or encrypting the bond transfer and discount application information input (or selected) through the information registration interface and transmitting the electronic signature or encryption to the server through a security module provided in the terminal.

Thereafter, the server receives and reads the customer information, the trade receivable transfer application information, the trade receivable discount application information, and the shipping document information through the communication channel to confirm the validity of the bond transfer and discount application information. (2030).

According to the implementation method of the present invention, confirming the validity of the bond transfer and discount application information, if the bond transfer and discount application information is electronically signed or encrypted through the security module provided in the terminal, the bond transfer And decrypting the discount application information or decoding the bond transfer and discount application information.

According to an embodiment of the present invention, the validity of the bond transfer and discount application information is at least one matched with the bond transfer and discount application information in the ledger D / B on the financial system associated with the discount application information registration system It is preferable to include checking whether the ledger information is registered.

For example, the validity of the bond transfer and discount application information may be determined by a customer stored in the ledger D / B on the financial system linked to the bond discount information registration system. This may include checking that the match matches the ledger.

In addition, the validity of the bond transfer and discount application information is a discount stored in the storage medium (1935) that the customer information of the foreign exporters included in the bond transfer and discount application information is linked to the bond discount information registration system And confirming that the global CMS service contract customer information is matched.

In addition, the validity of the bond transfer and discount application information is stored in the ledger D / B on the financial system linked to the bond discount information registration system, the customer account information of the foreign exporter company included in the bond transfer and discount application information This may include checking the match with the ledger.

In addition, the validity of the bond transfer and discount application information is the import and export contract information included in the bond transfer and discount application information stored in the domestic import stored in a predetermined storage medium (1935) associated with the bond discount information registration system This may include checking whether the company matches the registered import and export contract information.

Further, the validity of the bond transfer and discount application information may be determined by the shipment provided by the foreign exporter by linking the shipping document information included in the bond transfer and discount application information with the shipping document issuing agency (or issuer) server. This may include verifying the validity of the document information.

If the validity of the bond transfer and discount application information is not authenticated (2035), the server generates a web page including predetermined information registration error information and transmits it to the terminal (2040), and the bond transfer and discount Do not perform the information registration procedure corresponding to the application information.

On the other hand, if the validity of the bond transfer and discount application information is authenticated (2035), the server performs the information registration procedure corresponding to the bond transfer and discount application information, so that the customer information, the trade receivable transfer application information of the foreign exporter In operation 2045, the trade receivables discount application information and the shipping document information are processed in association with the predetermined storage medium 1935.

According to an exemplary embodiment of the present invention, the storage medium 1935 may be provided in a DBMS on a financial system provided on the discount application information registration system (or associated with the discount application information registration system). At this time, the storage medium 1935 may be a ledger D / B provided in the DBMS on the financial system, or a predetermined database associated with the ledger D / B, thereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 1935 is provided on (or associated with) the discount application information registration system, an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. It is possible to be provided in at least one of the DBMS on the banking 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 (2050), thereby completing the procedure of registering the bond transfer and discount application information transmitted from the terminal.

In addition, the server generates the transfer request history information including the transfer request history for the receivables of the overseas export enterprise customer, and the domestic export contract agreement with the foreign export enterprise customer the generated transfer history information The customer is notified by transmitting to an import enterprise customer communication means (for example, e-mail, text message, ARS (telephone), fax, homepage, bulletin board, blog mini homepage, messenger, etc.) (2055).

21A and 21B illustrate a process of registering bond transfer and discount application information in a non-face-to-face manner for sales bond transfer and discount application according to another exemplary embodiment of the present invention.

In more detail, FIGS. 21A and 21B illustrate a case in which the discount application information registration system shown in FIG. 19 is realized through an Internet banking system among non-face-to-face channel-based banking systems. After accessing the Internet banking server and performing a predetermined customer authentication procedure through the Internet bank (eg, the Internet, etc.), the client terminal transmits predetermined bond transfer and discount application information for sales bond transfer and discount application at the client terminal. By sending the bond transfer and discount application information, including the customer information, sales receivable transfer application information, receivables discount application information, shipping documents information to the overseas export company, the received from the discount application information registration server (1900) Customer information of overseas exporters included in bond transfer and discount application information, information on trade receivables transfer, discount on trade receivables The present invention relates to an implementation method of linking and processing information on shipping documents to a predetermined storage medium 1935. Those skilled in the art to which the present invention pertains may refer to or modify the drawings 21a and 21b. By using the client terminal in the discount application information registration server (1900) can be inferred various implementation methods for registering the bond transfer and discount application information, the present invention includes all the inferred implementation method, this figure It is not limited to the implementation method shown in 21a and FIG. 21b.

That is, when the browser program is connected to the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer or Netscape's Netscape Navigator, etc.) provided in the client terminal in FIGS. Although an implementation method of connecting an internet banking-based financial transaction channel for receivable transfer and discount application information registration between the client terminal and the internet banking server is shown, the person having ordinary knowledge in the technical field to which the present invention belongs, Refer to or modify the Internet banking-based financial transaction channel connection method using the browser programs shown in FIGS. 21A and 21B, and bonds between the client terminal and the Internet banking server based on a predetermined Internet banking program mounted on the client terminal. assignment And an implementation method of connecting an internet banking-based financial transaction channel for registering a discount application information, but the present invention includes an internet banking-based financial transaction provided based on the internet banking program, The invention is not limited.

In addition, those skilled in the art to which the present invention pertains, refer to or modify the Internet banking-based financial transaction channel connection method shown in Figures 21a and 21b, in addition to the Internet banking system, a telebanking system or wireless In another banking system such as a banking system or a TV banking system, an implementation method of linking a non-face-to-face channel-based financial transaction channel for bond transfer and discount registration information registration may be inferred, but the present invention provides the telebanking system or wireless banking. All types of non-face-to-face channel-based financial transactions, including systems or TV banking systems or future non-face-to-face channel banking systems, and the technical configuration of the present invention is the case of the Internet banking shown in Figure 21a and 21b It is by no means limited.

Hereinafter, in FIG. 21A and FIG. 21B, the client terminal is referred to as a "terminal" for convenience, and the Internet banking server corresponding to the discount application information registration server 1900 is referred to as a "server" for convenience.

21A and 21B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (2100a), the server communicates between the terminal and the server through the browser. (2105a), where the communication channel is a web page generated (or extracted) by a request of a browser program provided in the terminal and transmitted to the terminal, and the browser provided in the terminal. It means that a predetermined communication session is allocated so that a program can receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page.

According to another embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server is based on a predetermined communication protocol defined in the internet banking program and at least one or more information (or Communication channel for transmitting / receiving data) can be allocated.

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal on a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, or the security module. By adding a predetermined script for checking whether or not to update the terminal and providing it to the terminal, it is checked whether a predetermined security module for internet banking is installed in the terminal or whether the security module is to be updated ( 2110a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information or the last update date, etc., from the internet banking program, thereby providing the Internet banking program (or the Internet banking program). It can be checked whether or not to update the security module associated with the module.

If a predetermined security module is mounted or updated in the terminal (2115a), the server transmits and mounts the latest version of the security module for internet banking to the terminal according to a remote program installation procedure defined in the browser program. Or update 2120a.

If the terminal does not need to install or update the latest version of the Internet banking security module (2125a), or if the terminal does not need to load or update the Internet banking security module (2115a), the server is mounted on the terminal. By activating the security module for internet banking, the security channel for internet banking is connected between the terminal and the server (or the communication channel between the terminal and the server is converted into a security channel) (2130a), where the security channel for internet banking is Attach a predetermined electronic signature to information (or data) required for security among information (or data) included in the web page to be provided to the terminal from the server or encrypt using at least one encryption method (or encryption algorithm). If provided, the terminal confirms the digital signature or corresponds to the encryption method (or encryption algorithm). Means a communication channel for decoding the information (or data) by a predetermined decryption method (or decryption algorithm), and the information (or data) to be provided to the server for the bond transfer and discount application information registration in the terminal. When a predetermined digital signature is attached to or transmitted by encrypting at least one or more encryption methods (or encryption algorithms), the server verifies the electronic signature or a predetermined decryption method corresponding to the encryption method (or encryption algorithm). (Or a decoding algorithm) means a communication channel for decoding the information (or data).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or Data is attached to a predetermined digital signature, or encrypted and provided by at least one encryption method (or an encryption algorithm), the terminal confirms the electronic signature or a predetermined function corresponding to the encryption method (or an encryption algorithm). Means a communication channel for decoding the information (or data) by a decryption method (or decryption algorithm), and the predetermined information is provided in the information (or data) to be provided to the server for the bond transfer and discount application information registration in the terminal; Attach an electronic signature or at least one encryption When the transmission is encrypted by a method (or an encryption algorithm), the server verifies the digital signature or transmits the information (or data) by a predetermined decryption method (or decryption algorithm) corresponding to the encryption method (or encryption algorithm). Means a communication channel for decoding.

According to the present invention, the security module is characterized by performing an electronic signature attachment, encryption, or decryption function for the information (or data) by using the customer's authorized certificate mounted on the terminal.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (2135a).

According to an exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (eg, ID / PW, customer number, etc., registered by the customer during the internet banking application process) through the terminal. ) Is input (or generated) and transmitted to the server, wherein the server comprises authenticating a customer connected through the terminal as an internet banking customer based on the customer authentication data, wherein the customer authentication data It is preferable that the digital signature or encrypted is transmitted through the secure channel.

According to another exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (for example, an ID / PW or customer number registered by the customer during the internet banking application process) through the terminal. And the like) are input (or generated) and transmitted to the authentication server, the authentication server authenticates the customer connected through the terminal as the Internet banking customer based on the customer authentication data, and provides the result to the server. In this case, it is preferable that the customer authentication data include public certificate-based authentication data, and the authentication server is a server for authenticating the public certificate-based authentication data.

Thereafter, the terminal inputs (or generates) predetermined customer authentication data in response to the request, requests an electronic banking customer authentication by electronically signing or encrypting the data through the security module, and transmitting the same to the server (or authentication server) (2140a). In operation 2145a, the server (or the authentication server) authenticates the customer connected through the terminal as an internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal.

If the Internet banking customer authentication fails (2150a), the server blocks the Internet banking security channel for the terminal (2155a), thereby preventing the Internet banking-based financial transactions through the terminal.

On the other hand, if the Internet banking customer authentication is successful (2150a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel into an internet banking-based financial transaction channel (2160a), where the Internet banking based The financial transaction channel refers to a communication channel that transmits and registers predetermined bond transfer and discount application information for sales bond transfer and discount application from the terminal to the server.

Subsequently, when the terminal requests internet banking-based bond transfer and discount application information registration to the server through the inter-banking-based financial transaction channel for bond transfer and discount application information registration (2100b), the server transfers the bond. And generating (or extracting) a web page corresponding to a predetermined information registration interface for registering discount application information (2105b), and transmitting the generated (or extracted) web page to the terminal through the internet banking-based financial transaction channel. Transmit and output (2110b).

According to the implementation method of the present invention, the information registration interface is a bond transfer and discount application information including at least one or more export customer information, sales receivable transfer application information, sales receivable discount application information, shipping documents information in the terminal; It is preferable to include an interface to input (or select), or a predetermined password (for verifying the validity of the Internet banking customer requesting registration of the bond transfer and discount application information or the bond transfer and discount application information) For example, an account password, etc., or a security code (e.g., a security code printed on a security card issued to a customer during an internet banking application process) or an OTP (One Time Password) (e.g., an internet banking application process (or after an internet banking application)). Work generated by an OTP authenticator (or OTP certification program) provided to a customer by a financial institution; It further comprises an interface for inputting a password for) is preferred.

In addition, the web page transmission or output process is preferably performed at least one or more times according to the bond transfer and discount application information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) bond transfer and discount application information including at least one of the foreign exporter customer information, the trade receivable transfer application information, the trade receivable discount application information, and the shipping document information through the information registration interface. (2115b).

If the terminal receives (or selects) bond transfer and discount application information including the customer information, the trade receivable transfer application information, the trade receivable discount application information, and the shipping document information, through the information registration interface ( 2120b), the terminal transmits the bond transfer and discount application information input (or selected) to the server through the financial transaction channel (2125b).

According to the implementation method of the present invention, transmitting the input (or selection) of the bond transfer and discount application information to the server through the financial transaction channel, the transfer of the bond (or selected) entered through the information registration interface and The discount application information is transmitted through the electronic signature or encryption through the security module provided in the terminal to the server.

Thereafter, the server receives and reads the bond transfer and discount application information through the financial transaction channel to check the validity of the bond transfer and discount application information (2130b).

According to the implementation method of the present invention, confirming the validity of the bond transfer and discount application information, if the bond transfer and discount application information is electronically signed or encrypted through the security module provided in the terminal, the bond transfer And decrypting the discount application information or decoding the bond transfer and discount application information.

In addition, the validity of the bond transfer and discount application information, preferably, further comprises authenticating a password or security code or OTP included in the bond transfer and discount application information.

According to an embodiment of the present invention, the validity of the bond transfer and discount application information is at least one matched with the bond transfer and discount application information in the ledger D / B on the financial system associated with the discount application information registration system It is preferable to include checking whether the ledger information is registered.

For example, the validity of the bond transfer and discount application information may be determined by a customer stored in the ledger D / B on the financial system linked to the bond discount information registration system. This may include checking that the match matches the ledger.

In addition, the validity of the bond transfer and discount application information is a discount stored in the storage medium (1935) that the customer information of the foreign exporters included in the bond transfer and discount application information is linked to the bond discount information registration system And confirming that the global CMS service contract customer information is matched.

In addition, the validity of the bond transfer and discount application information is stored in the ledger D / B on the financial system linked to the bond discount information registration system, the customer account information of the foreign exporter company included in the bond transfer and discount application information This may include checking the match with the ledger.

In addition, the validity of the bond transfer and discount application information is the import and export contract information included in the bond transfer and discount application information stored in the domestic import stored in a predetermined storage medium (1935) associated with the bond discount information registration system This may include checking whether the company matches the registered import and export contract information.

Further, the validity of the bond transfer and discount application information may be determined by the shipment provided by the foreign exporter by linking the shipping document information included in the bond transfer and discount application information with the shipping document issuing agency (or issuer) server. This may include verifying the validity of the document information.

If the validity of the bond transfer and discount application information is not authenticated (2135b), the server generates a web page including predetermined bond transfer and discount application information registration error information and transmits it to the terminal (2140b), The information registration procedure corresponding to the bond transfer and discount application information is not performed.

On the other hand, if the validity of the bond transfer and discount application information is authenticated (2135b), the server performs an information registration procedure corresponding to the bond transfer and discount application information, thereby exporting overseas included in the bond transfer and discount application information. The corporate customer information, the trade receivable transfer application information, the trade receivable discount application information, and the shipping document information are interlinked and stored in a predetermined storage medium 1935 (2145b).

According to an exemplary embodiment of the present invention, the storage medium 1935 may be provided in a DBMS on a financial system provided on the discount application information registration system (or associated with the discount application information registration system). In this case, the storage medium 1935 may be a ledger D / B provided in a DBMS on the financial system, or a predetermined database linked to the ledger D / B, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 1935 is provided on (or associated with) the discount application information registration system, an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. It is possible to be provided in at least one of the DBMS on the banking system, whereby the present invention is not limited.

Subsequently, the server generates a web page including predetermined bond transfer and discount application information registration history information and transmits it to the terminal (2150b), thereby completing registration of bond transfer and discount application information transmitted from the terminal.

In addition, the server generates the transfer request history information including the transfer request history for the receivables of the overseas export enterprise customer, and the domestic export contract agreement with the foreign export enterprise customer the generated transfer history information Import corporate customer communication means (e.g., e-mail, text message, ARS (telephone), fax, homepage, bulletin board, blog mini homepage, messenger, etc.) to be sent and notified (2155b).

22 is a diagram illustrating a system for registering bond transfer acceptance information in a face-to-face manner for accepting bond transfer according to an embodiment of the present invention.

In more detail, in FIG. 22, the foreign exporter company customer requests bond transfer and discount application through the discount application information registration system shown in FIG. 17 or 19, and the bond transfer and discount application history of the overseas export enterprise customer is notified. Receiving a domestic transfer corporate customer received at least one or more of the information on the transfer of the customer's bonds, including the information on the customer's importation of the foreign import company, and the bond information subject to the transfer consent to the bond transfer acceptance information registration system through a predetermined information registration interface If the consent information is provided, the bond transfer acceptance information registration system, the domestic import company customer information, the transfer acceptance target information included in the bond transfer acceptance information provided in the linkage processing system and stores in a predetermined storage medium (2230) As for the configuration, those skilled in the art to which the present invention pertains, Although various implementation methods for constructing the bond transfer acceptance information registration system for accepting bond transfer may be inferred by referring to or modifying the arrangement of the present invention, the present invention includes all the execution methods inferred above, and the implementation shown in FIG. It is not limited to the method alone.

Hereinafter, at least one means or functional configuration for storing the bond transfer acceptance information provided from the customer on the storage medium 2230 through a predetermined information registration interface on the bond transfer acceptance information registration system shown in FIG. The corresponding component is referred to as "bond transfer acceptance information registration server 2200" for convenience.

Referring to this figure 22 according to the embodiment of the present invention, the bond transfer acceptance information registration system for accepting a bond transfer comprises an information registration terminal including a teller terminal provided at at least one financial institution branch The information registration terminal is connected to a communication channel with a bond transfer acceptance information registration server 2200 provided on the bond transfer acceptance information registration system through a predetermined financial network (or communication network).

According to one embodiment of the invention, the customer visits the financial institution branch for acceptance of the bond, and the bond (or through a teller) provided through a window provided at the financial institution branch (or branch or head office). After completing a prescribed application (for example, a document with a form for filling in at least one information item for acceptance of a bond) and submitting the completed application to the counter staff, the counter staff The information entered in the application is input (or selected) through a teller terminal, and the teller terminal transmits the input (or selected) information to the bond transfer acceptance information registration system through the financial network (or a communication network). It is preferable to transmit to the bond transfer acceptance information registration server 2200 provided.

Here, the teller terminal preferably comprises a manager terminal used by the teller staff provided at the branch (or branch or main office) of the financial institution, the bond transfer acceptance information registration server 2200 connected to the teller terminal is It is preferable to include a ledger server provided on a predetermined financial system, the financial network (or communication network) connecting the teller terminal and the bond transfer acceptance information registration server 2200 is the teller terminal and bond transfer acceptance information It is preferable to include a current network connecting the communication channel between the registration server 2200.

In the bond transfer acceptance information registration system as described above, an application prepared by the domestic import enterprise customer, a teller terminal used by the teller employee, and a financial network connecting the teller terminal and the bond transfer acceptance information registration server 2200. (Or a communication network) performs a function of an information registration interface for the domestic import corporate customer to register the bond transfer acceptance information for the bond transfer acceptance.

* The storage medium 2230 provided on the bond transfer acceptance information registration system according to the present invention is the domestic import company customer information, transfer acceptance target bond information included in the bond transfer acceptance information provided from the information registration terminal Characterized in that for storing in a predetermined storage medium 2230, and the bond transfer acceptance information including at least one or more of the domestic import company customer information, transferable target bond information stored in the storage medium (2230) Used for acceptance of bond transfer.

The domestic import company customer information is the personal information (eg, company name, business registration number, corporation registration number, representative, address, telephone number, mobile phone number of the domestic import enterprise customer who has entered a certain export and export contract with a predetermined overseas export company). , E-mail address, etc.) and member information of the customer (eg, the customer is registered as a financial transaction customer of the financial institution) in response to the customer, on the financial system associated with the bond transfer acceptance information registration system. It is preferable to include at least one member ID information, or a CIF (Customer Information File number) provided in the customer ledger, account information corresponding to the financial account opened in the customer name.

The bond information subject to transfer approval is the issue date, issue date, maturity date, and transfer date of the bond transfer and discount target bonds applied and registered by the foreign exporter company customer through the discount application information registration system shown in FIG. 17 or 19. At least one or more transfer conditions are preferably included.

According to one embodiment of the invention, the storage medium 2230 is preferably provided in the DBMS on the financial system provided on the bond transfer acceptance information registration system (or associated with the bond transfer acceptance information registration system), In this case, the storage medium 2230 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 2230 is provided on (or associated with) the bond transfer information registration system, an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. It is possible to be provided in a DBMS on at least one banking system of the system, whereby the present invention is not limited.

The bond transfer acceptance information registration server 2200 provided on the bond transfer acceptance information registration system according to the present invention is connected to the bond transfer acceptance information registration system through a predetermined financial network (or a communication network). Generic terms of the components may be implemented by including at least one or more servers (or devices), or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), whereby the present invention This 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 bond transfer acceptance information registration server 2200 is provided through a predetermined financial network (or a communication network). It may be a ledger server provided on the financial system connected to the teller terminal, a server (or device) provided on the external system on the financial system, or a program provided on the external system on the financial system. The invention is not limited.

According to an embodiment of the present invention, the bond transfer acceptance information registration server 2200 includes an interface unit 2205 for connecting and managing a predetermined communication channel with the information registration terminal through the financial network (or communication network). Characterized in that made.

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 2205 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. .

22, the bond transfer acceptance information registration server 2200 is a predetermined information registration terminal after connecting the communication channel with the bond transfer acceptance information registration server 2200 through the interface unit 2205, An interface providing unit for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined bond transfer acceptance information from the information registration terminal in cooperation with the interface unit 2205 and providing the information registration terminal to the information registration terminal. 2210, an information receiving unit 2215 that receives predetermined bond transfer acceptance information that is input (or selected) and transmitted from the information registration terminal through the user interface in association with the interface unit 2205, and the reception unit. Validation confirmation unit 2220 for confirming the validity of the bond transfer acceptance information and the domestic import machine included in the bond transfer acceptance information confirmed validity Processing the customer information, the transfer destination acceptance bond linkage information will be characterized by comprising an information storage unit (2225) for storing in a storage medium (2230).

The interface providing unit 2210 connects a communication channel with the bond transfer acceptance information registration server 2200 through the interface unit 2205 to the functional configuration provided in the information registration terminal. Correspondingly, generate a predetermined user interface capable of inputting (or selecting) the bond transfer acceptance information and transmitting the bond transfer acceptance information to the bond transfer acceptance information registration server 2200 through the financial network (or communication network); It is characterized in that it is extracted from the), and provides the user interface generated (or extracted) in conjunction with the interface unit 2205 to the information registration terminal through the financial network (or communication network).

At least one or more to input (or select) the bond transfer acceptance information to the information registration terminal according to another embodiment of the present invention to the bond transfer acceptance information registration server 2200 through the financial network (or communication network) When a predetermined information registration program having a user interface is provided, the interface providing unit 2210 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) bond transfer acceptance information including at least one of the domestic import company customer information and the transfer acceptance target bond information based on the user interface, and the input (or selection) The bond transfer acceptance information is transmitted to the bond transfer acceptance information registration server 2200 through the financial network (or a 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 2210 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 counter terminal through the interface unit 2205.

The information receiving unit 2215 inputs (or selects) bond transfer acceptance information including at least one of domestic import company customer information and transfer acceptance target bond information through the user interface at the information registration terminal, and the financial network (or And the bond transfer acceptance information in conjunction with the interface unit 2205, and provides the received bond transfer acceptance information to the validity confirming unit 2220.

The validity confirming unit 2220 is characterized by checking whether the bond transfer acceptance information received from the information registration terminal satisfies the validity for the bond transfer acceptance.

According to the implementation method of the present invention, the validity confirmation of the bond transfer acceptance information is at least one ledger information matching the bond transfer acceptance information in the ledger D / B on the financial system associated with the bond transfer acceptance information registration system It is preferable to include checking whether it is registered.

For example, the validity of the bond transfer acceptance information is matched with the customer ledger stored in the ledger D / B on the financial system linked with the bond transfer acceptance information registration system. This can be done, including checking if it is.

In addition, the validity confirmation of the bond transfer acceptance information is a discount and global CMS stored in the storage medium (2230) stored in the domestic import company customer information included in the bond transfer acceptance information associated with the bond transfer acceptance information registration system And checking whether the service contract is matched with the customer information.

In addition, the validity confirmation of the bond transfer acceptance information includes the account ledger stored in the ledger D / B of the domestic import company customer account information included in the bond transfer acceptance information in the financial system linked to the bond transfer acceptance information registration system; This may include checking for a match.

In addition, the validity confirmation of the bond transfer acceptance information, the import and export contract information corresponding to the transferable bond information included in the bond transfer acceptance information stored in a predetermined storage medium 2230 associated with the bond transfer acceptance information registration system It may include including checking whether the foreign export company matches the registered import and export contract information.

When the validity of the bond transfer acceptance information is confirmed, the information storage unit 2225 performs a process of linking the domestic import company customer information and the transfer acceptance target bond information included in the bond transfer acceptance information to the storage medium 2230. When the storage medium 2230 is provided in the bond transfer acceptance information registration server 2200 or on the network associated with the bond transfer acceptance information registration server 2200, the storage medium 2230 The information storage unit 2225 preferably stores the data on the storage medium 2230 by integrating the domestic import company customer information and the transfer acceptance target bond information included in the received bond transfer acceptance information, and the storage medium 2230. ) Is provided in the DBMS provided on the financial system, the information storage unit 2225 is configured to import the customer information of the domestic import company included in the received bond transfer acceptance information, the bond acceptance target bond information. It is preferable to provide the information system through the external system on the financial system and store it in the DBMS provided on the financial system.

23 is a diagram illustrating a process of registering bond transfer acceptance information in a face-to-face manner according to an embodiment of the present invention.

More specifically, FIG. 23 shows a ledger server on a financial system in which a bond transfer acceptance information registration server 2200 on the bond transfer acceptance information registration system shown in FIG. 22 is associated with a teller terminal through a predetermined financial network (or communication network). (Not shown), the window terminal is connected to the bond transfer acceptance information registration server 2200 to connect the communication channel for registration of bond transfer acceptance information according to the present invention, and then the communication channel When the bond transfer acceptance information including the domestic import company customer information, the transfer acceptance target bond information to the bond transfer acceptance information registration server 2200 through, the reception of the bond transfer acceptance information registration server 2200 In the method of carrying out the process of linking the customer information of the domestic import company and the information on the target of the transfer acceptance included in the information on the acceptance of the bond transfer to the predetermined storage medium (2230) As one having ordinary skill in the art to which the present invention pertains, various information for registering the bond transfer acceptance information to the bond transfer acceptance information registration server 2200 at the window terminal by referring to or modifying the present invention 23 Although the implementation method may be inferred, the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

In the following figure 23, the window terminal shown in FIG. 22 is referred to as "terminal" for convenience, and the bond transfer acceptance information registration server 2200 shown in FIG. 22 is referred to as "server" for convenience. The domestic import company customer information and the transfer acceptance target bond information transmitted to the bond transfer acceptance information registration server 2200 are referred to as "bond transfer acceptance information" for convenience.

Referring to Fig. 23, the window terminal shown in Fig. 22 is connected to the server through a predetermined financial network (or a communication network) to connect a predetermined communication channel for registering the bond transfer acceptance information, and the bond transfer. When requesting the bond transfer acceptance information registration for acceptance (2300), the server generates (or extracts) a predetermined information registration interface for registering the bond transfer acceptance information (2305), and through the communication channel, The generated (or extracted) information registration interface is transmitted to the terminal and output (2310).

According to an embodiment of the present invention, the information registration interface includes a user interface for inputting (or selecting) bond transfer acceptance information including at least one or more of the domestic import company customer information and transfer acceptance target bond information in the terminal. It is preferable to make.

Thereafter, the terminal inputs (or selects) bond transfer acceptance information including at least one domestic import company customer information and transfer acceptance target bond information through the information registration interface (2315).

If the terminal receives (or selects) bond transfer acceptance information including the domestic import company customer information and the transfer acceptance target bond information through the information registration interface (2320), the terminal transfers the financial network (or communication network). In operation 2325, the transfer of the bond transfer acceptance information including the customer information of the domestic import company inputted (or selected) and the transfer target bond information to the server (2325).

Thereafter, the server checks and validates the validity of the bond transfer acceptance information by receiving and reading the domestic import company customer information and the transfer acceptance target bond information through the financial network (or a communication network) (2330).

According to the implementation method of the present invention, the validity confirmation of the bond transfer acceptance information is at least one ledger information matching the bond transfer acceptance information in the ledger D / B on the financial system associated with the bond transfer acceptance information registration system It is preferable to include checking whether it is registered.

For example, the validity of the bond transfer acceptance information is matched with the customer ledger stored in the ledger D / B on the financial system linked with the bond transfer acceptance information registration system. This can be done, including checking if it is.

In addition, the validity confirmation of the bond transfer acceptance information is a discount and global CMS stored in the storage medium (2230) stored in the domestic import company customer information included in the bond transfer acceptance information associated with the bond transfer acceptance information registration system And checking whether the service contract is matched with the customer information.

In addition, the validity confirmation of the bond transfer acceptance information includes the account ledger stored in the ledger D / B of the domestic import company customer account information included in the bond transfer acceptance information in the financial system linked to the bond transfer acceptance information registration system; This may include checking for a match.

In addition, the validity confirmation of the bond transfer acceptance information is the import and export contract information corresponding to the transferable bond information included in the bond transfer acceptance information stored in a predetermined storage medium 2230 associated with the bond transfer acceptance information registration system It may include including checking whether the foreign export company matches the registered import and export contract information.

If the validity of the bond transfer acceptance information is not authenticated (2335), the server generates predetermined information registration error information and transmits it to the terminal (2340), and performs an information registration procedure corresponding to the bond transfer acceptance information. Do not perform.

On the other hand, if the validity of the bond transfer acceptance information is authenticated (2335), the server performs an information registration procedure corresponding to the bond transfer acceptance information, thereby linking the domestic importer customer information, the transfer acceptance target bond information The storage medium 2230 stores the predetermined storage medium 2230 in operation 2345.

According to one embodiment of the invention, the storage medium 2230 is preferably provided in the DBMS on the financial system provided on the bond transfer acceptance information registration system (or associated with the bond transfer acceptance information registration system), In this case, the storage medium 2230 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, by which the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 2230 is provided on (or associated with) the bond transfer information registration system, an internet banking system, a telebanking system, a wireless banking system, or a TV banking system. It is possible to be provided in a DBMS on at least one banking system of the system, whereby the present invention is not limited.

Thereafter, the server generates predetermined information registration history information and transmits it to the terminal (2350), thereby completing the procedure of registering the bond transfer acceptance information transmitted from the terminal.

24 is a diagram illustrating a non-face-to-face bond transfer acceptance information registration system for accepting bond transfer according to another embodiment of the present invention.

More specifically, FIG. 24 shows that the foreign exporter company customer applies for bond transfer and discount application through the discount application information registration system shown in FIG. 17 or 19, and notifies the bond transfer and discount application history of the overseas export enterprise customer. Receiving a domestic transfer corporate customer received at least one or more of the information on the transfer of the customer's bonds, including the information on the customer's importation of the foreign import company, and the bond information subject to the transfer consent to the bond transfer acceptance information registration system through a predetermined information registration interface If the acceptance information is provided, the bond transfer acceptance information registration system stores the information on the domestic import company and the transfer target bond information included in the provided bond transfer acceptance information in a predetermined storage medium 2430. As for the system configuration, those skilled in the art to which the present invention pertains, Although various implementation methods for constructing a bond transfer acceptance information registration system for accepting bond transfer may be inferred by referring to or modifying 24, the present invention includes all the practice methods inferred above, and is illustrated in FIG. It is not limited to the method alone.

Hereinafter, at least one or more means for storing the bond transfer acceptance information provided from the domestic import corporate customer through the predetermined information registration interface on the storage medium 2430 on the bond transfer acceptance information registration system shown in FIG. The component corresponding to the functional configuration is called "bond transfer acceptance information registration server 2400" for convenience.

Referring to this figure 24 in accordance with an embodiment of the present invention, the bond transfer acceptance information registration system for accepting a bond transfer includes at least a client terminal including at least one wired terminal or a wireless terminal used by a domestic import enterprise customer. Characterized in that it comprises one or more information registration terminal, the information registration terminal is a communication channel with the bond transfer acceptance information registration server 2400 provided on the bond transfer acceptance information registration system through a predetermined network means Is connected.

According to an embodiment of the present invention, the domestic import corporate customer is the bond transfer acceptance information registration server 2400 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. Accessing and inputting (or selecting) the bond transfer acceptance information for the bond transfer acceptance through at least one user interface provided by the bond transfer acceptance information registration server 2400, the predetermined network means at the client terminal It is preferable to transmit to the bond transfer acceptance information registration server 2400 provided on the bond transfer acceptance information registration system through.

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 bond transfer acceptance information registration server 2400 connected to the client terminal is any one of an Internet banking server, a wireless banking server, a tele banking server or a TV banking server according to the characteristics of the client terminal and the network means, or the It is preferable to include a separate web server for information registration.

The network means for connecting the client terminal and the bond transfer acceptance information registration server 2400 may be a CDMA based mobile communication network or an IEEE 802.16x based mobile Internet or DataTAC / Mobitex depending on the type of wireless communication network to which the client terminal is connected. It is preferable that any one of the base wireless data communication networks, or the wireless communication network of any kind proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the bond transfer acceptance information registration server 2400, and input or select at least one information through the user interface to the bond transfer acceptance information registration server ( A function configuration (for example, a browser program and a communication function or a predetermined communication program and communication function for communicating with the bond transfer acceptance information registration server 2400) for transmitting to the 2400 is preferably 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 bond transfer acceptance information registration system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the domestic import corporate customer, and the client terminal and the bond transfer acceptance information registration server 2400 are connected. At least one wired or wireless communication network that performs the function of the information registration interface for the domestic import corporate customer to register the bond transfer acceptance information for acceptance of the bond transfer.

According to another exemplary embodiment of the present invention, the information registration terminal, in addition to the client terminal, a cash automatic teller machine (ATM) connected to a predetermined financial network (for example, a financial common network), a cash dispenser (Cash). It may further include a financial automation device (not shown) including a Dispenser (CD), or may be connected to a fixed telephone network such as a Public Switched Telephone Network (PSTN) or a Voice over IP (VoIP) network. It further comprises a call terminal (not shown), or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, or at least one affiliated with the financial institution Terminals (or servers) (not shown) provided in the above institutions may be further included, whereby the present invention is not limited.

In the bond transfer acceptance information registration system as described above, when the information registration terminal is the call terminal (not shown), the call terminal (not shown) and the call terminal (not shown) and the bond transfer acceptance information registration server The wired telephone network or the wireless telephone network connecting 2400 performs a function of an information registration interface for the customer to register the bond transfer acceptance information for the bond transfer acceptance, or is affiliated with the financial institution that is the information registration terminal. In the case of a terminal (or server) (not shown) provided in the institution, the terminal (or server) (not shown) and the terminal (or server) (not shown) are connected to the bond transfer acceptance information registration server 2400. The network performs the function of the information registration interface for the customer to register the bond transfer acceptance information for the bond transfer acceptance.

The storage medium 2430 provided on the bond transfer acceptance information registration system according to the present invention links the domestic import company customer information and transfer target bond information included in the bond transfer acceptance information provided from the information registration terminal. Characterized in that the processing is stored in a predetermined storage medium (2430), the bond transfer acceptance information including at least one or more of the domestic import company customer information, the transfer approval target information stored in the storage medium (2430) is the bond It is used for acceptance.

The domestic import company customer information is the personal information (eg, company name, business registration number, corporation registration number, representative, address, telephone number, mobile phone number of the domestic import enterprise customer who has entered a certain export and export contract with a predetermined overseas export company). , E-mail address, etc.) and member information of the customer (eg, the customer is registered as a financial transaction customer of the financial institution) in response to the customer, on the financial system associated with the bond transfer acceptance information registration system. It is preferable to include at least one member ID information, or a CIF (Customer Information File number) provided in the customer ledger, account information corresponding to the financial account opened in the customer name.

The bond information subject to transfer approval is issued, date and time, maturity date, and transfer date of the bond transfer and discount target bonds that are applied and registered by the overseas export enterprise customer through the discount application information registration system shown in FIG. 17 or 19. And at least one or more transfer conditions.

According to one embodiment of the invention, the storage medium 2430 is preferably provided in a DBMS on a financial system provided on the bond transfer acceptance information registration system (or associated with the bond transfer acceptance information registration system), In this case, the storage medium 2430 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, and thus the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 2430 is provided with (or linked to) an Internet banking system, a telebanking system, a wireless banking system, or a TV banking provided on the bond transfer information registration system. It is possible to be provided in a DBMS on at least one banking system of the system, whereby the present invention is not limited.

The bond transfer acceptance information registration server 2400 provided on the bond transfer acceptance information registration system according to the present invention is a generic term for the bond transfer acceptance information registration system side component connected to the information registration terminal through a predetermined network means. It may be implemented by including at least one 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 client terminal including a wired terminal or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the bond transfer acceptance information registration server 2400 may be configured as described above. A predetermined Internet banking server provided on the Internet banking system, a program provided in the Internet banking server, or a predetermined server (or device) accessible to the outside world of the financial system through the Internet banking system; A program included in the server (or device), or a server (or device) provided in an external system on the financial system accessible through the Internet banking server (or the server (or device)), or the financial system. It may be a program provided in the external world of the above, whereby the present invention is limited It does.

According to another embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the bond transfer acceptance information registration server 2400 is the wireless banking Is a predetermined wireless banking server provided on the system, a program provided in the wireless banking server, or a predetermined server (or device) accessible to the external system of the financial system through the wireless banking system, or the server A program included in (or a device), or a server (or device) provided in an external system on the financial system accessible through the wireless banking server (or the server (or device)), or on the financial system. It may be a program provided in the external system, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connectable with a telebanking server on a predetermined telebanking system, the bond transfer acceptance information registration server 2400 may perform the telebanking. A predetermined telebanking server (eg, an Automatic Response Service (ARS) server) provided on the system, or a program included in the telebanking server, or accessible to the external system of the financial system through the telebanking system. A server provided in an external system on the financial system that is a predetermined server (or device), a program included in the server (or device), or accessible through the telebanking server (or the server (or device)) ( Or a device) or a program provided in the external system on the financial system, and the present invention is not limited thereto. The.

According to another embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the bond transfer acceptance information registration server 2400 is A predetermined TV banking server provided on the TV banking system, a program provided in the TV banking server, or a predetermined server (or device) accessible to the external system of the financial system through the TV banking system; A program included in the server (or device), or a server (or device) provided in the external world on the financial system accessible through the TV banking server (or the server (or device)), or the finance It may be a program provided in the external system on the system, whereby the present invention is not limited.

According to an embodiment of the present invention, the bond transfer acceptance information registration server 2400 includes an interface unit 2405 for connecting and managing a predetermined communication channel with the information registration terminal through the network means. do.

According to an 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 2405 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 2405 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 bond transfer acceptance information registration server 2400, the interface unit 2405 is based on the TCP / IP protocol. It connects a communication channel with a terminal 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 2405 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 2405 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 bond transfer acceptance information registration server 2400, the interface unit 2405 may be configured based on the CDMA protocol. It connects a communication channel with a client terminal and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal is a financial automation device connected to a predetermined financial network, the interface unit 2405 is based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

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 2405 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 2405 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. .

According to another exemplary embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 2405 is based on a protocol stack defined in the TV banking system. Connects a predetermined communication channel with the wired terminal (or bidirectional digital TV), and transmits and receives at least one information (or data) using a communication protocol defined in a communication program included in the wired terminal (or bidirectional digital TV). It would be desirable to provide a communication interface for the present invention.

Referring to FIG. 24, the bond transfer acceptance information registration server 2400 connects a communication channel with the bond transfer acceptance information registration server 2400 through a predetermined information registration terminal through the interface unit 2405. An interface providing unit generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined bond transfer acceptance information from the information registration terminal in cooperation with the interface unit 2405 and providing the information registration terminal to the information registration terminal. 2410 and an information receiver 2415 for receiving predetermined grant acceptance information transmitted from the information registration terminal through the user interface in connection with the interface unit 2405, and The domestic import company customer information and the transfer acceptance target bond information included in the received bond transfer acceptance information are processed and stored in a predetermined storage medium 2430. It is characterized by comprising a beam storage unit (2425).

The interface providing unit 2410 connects a communication channel with the bond transfer acceptance information registration server 2400 through the interface unit 2405 to the functional configuration provided in the information registration terminal. Correspondingly, generate a predetermined user interface capable of inputting (or selecting) the bond transfer acceptance information to the bond transfer acceptance information registration server 2400 through the network means, or from a predetermined database (not shown). And extract and generate the generated (or extracted) user interface to the information registration terminal through the network means in association with the interface unit 2405.

Subsequently, the information registration terminal inputs (or selects) bond transfer acceptance information including at least one of the domestic import company customer information and the transfer acceptance target bond information based on the user interface, and the input (or selection) The bond transfer acceptance information is transmitted to the bond transfer acceptance information registration server 2400 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 2410 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 2405.

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 2410 may use 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 2405.

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 2410 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 2405. desirable.

According to another exemplary embodiment of the present invention, when the information registration terminal is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 2410 is connected to the wired terminal (or two-way digital TV). It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 2405.

According to another embodiment of the present invention is provided with at least one user interface for inputting (or selecting) the bond transfer acceptance information in the information registration terminal to the bond transfer acceptance information registration server 2400 via the network means. When a predetermined information registration program is provided, the interface providing unit 2410 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 2415 inputs (or selects) bond transfer acceptance information including at least one of domestic import company customer information and transfer acceptance target bond information through the user interface at the information registration terminal and through the network means. When transmitting, the bond transfer acceptance information is received in association with the interface unit 2405, and the received bond transfer acceptance information is provided to the validity confirming unit 2420.

The validity confirming unit 2420 is characterized by checking whether the bond transfer acceptance information received from the information registration terminal satisfies the validity for the bond transfer acceptance.

According to the implementation method of the present invention, the validity confirmation of the bond transfer acceptance information is at least one ledger information matching the bond transfer acceptance information in the ledger D / B on the financial system associated with the bond transfer acceptance information registration system It is preferable to include checking whether it is registered.

For example, the validity of the bond transfer acceptance information is matched with the customer ledger stored in the ledger D / B on the financial system linked with the bond transfer acceptance information registration system. This can be done, including checking if it is.

In addition, the validity confirmation of the bond transfer acceptance information is a discount and global CMS stored in a predetermined storage medium (2430) linked to the domestic import company customer information included in the bond transfer acceptance information associated with the bond transfer acceptance information registration system And checking whether the service contract is matched with the customer information.

In addition, the validity confirmation of the bond transfer acceptance information and the account ledger stored in the ledger D / B on the financial system linked to the bond transfer acceptance information registration system of the domestic importer customer account information included in the bond transfer acceptance information This may include checking for a match.

In addition, the validity confirmation of the bond transfer acceptance information is the import and export contract information corresponding to the transferable bond information included in the bond transfer acceptance information is stored in a predetermined storage medium (2430) associated with the bond transfer acceptance information registration system It may include including checking whether the foreign export company matches the registered import and export contract information.

When the validity of the bond transfer acceptance information is confirmed, the information storage unit 2425 processes the domestic import company customer information and the transfer target bond information included in the bond transfer acceptance information to the storage medium 2430. When the storage medium 2430 is provided in the bond transfer acceptance information registration server 2400 or on the network associated with the bond transfer acceptance information registration server 2400, the information is stored. The storage unit 2425 preferably processes the domestic import company customer information and the transfer acceptance target bond information included in the received bond transfer acceptance information and stores it in the storage medium 2430, and the storage medium 2430. Is provided in the DBMS provided on the financial system, the information storage unit 2425 is a domestic import company customer information, the transfer approval target bond information included in the received bond transfer acceptance information To step through the available information on the FEP-based banking system is preferably stored in a DBMS provided on the financial system.

25 is a diagram illustrating a process of registering bond transfer acceptance information in a non-face-to-face manner for acceptance of bond transfer according to an embodiment of the present invention.

In more detail, FIG. 25 shows a case where the bond transfer acceptance information registration server 2400 on the bond transfer acceptance information registration system shown in FIG. 24 has a web server function to which a client terminal can be connected through a predetermined network means. The client terminal accesses the bond transfer acceptance information registration server 2400 and connects a communication channel for registering bond transfer acceptance information according to the present invention, and then the bond transfer acceptance information registration server 2400 through the communication channel. When the bond transfer acceptance information including the domestic import company customer information, the transfer approval target information, the domestic import company included in the received bond transfer acceptance information from the bond transfer information registration server 2400 This is a method for implementing a process of linking customer information and transferable bond information to a predetermined storage medium 2430. Those skilled in the art to which the present invention pertains, infer various modification methods for registering the bond transfer acceptance information from the client terminal to the bond transfer acceptance information registration server 2400 by referring to or modifying this figure 25. As will be appreciated, the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 25, the client terminal shown in FIG. 24 is referred to as "terminal" for convenience, and the bond transfer acceptance information registration server 2400 shown in FIG. 24 is called "server" for convenience, and said client terminal In the credit transfer agreement information registration server 2400, the domestic import company customer information, the transfer approval target information is referred to as "bond transfer acceptance information" for convenience.

Referring to FIG. 25, the client terminal illustrated in FIG. 24 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, and when the client terminal is a wireless terminal, CDMA based mobile). A predetermined communication channel for registering the bond transfer acceptance information by connecting to the server through a communication network or an IEEE 802.16x based portable Internet, and requesting registration of the bond transfer acceptance information for the bond transfer acceptance. (2500), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the bond transfer acceptance information (2505), and the generated web page (or extracted) through the communication channel. In operation 2510, the terminal transmits the data to the terminal.

According to an embodiment of the present invention, the information registration interface includes a user interface for inputting (or selecting) bond transfer acceptance information including at least one or more of the domestic import company customer information and transfer acceptance target bond information in the terminal. It is preferable to make.

In addition, the web page transmission or output process is preferably performed at least once according to the bond transfer acceptance information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) bond transfer acceptance information including at least one domestic import company customer information and transfer acceptance target bond information through the information registration interface (2515).

If the terminal receives (or selects) bond transfer acceptance information including the domestic importer enterprise information and the transfer acceptance target bond information through the information registration interface (2520), the terminal inputs the information through the communication channel. The client information (or selection) of the domestic import company and the transfer target bond information are transmitted to the server (2525).

According to the implementation method of the present invention, transmitting the input (or selection) of the domestic import company customer information, transferable bond information to the server through the communication channel, input (or selection) through the information registration interface It may further comprise transmitting the bond transfer acceptance information to the server by electronic signature or encryption through the security module provided in the terminal.

Thereafter, the server receives and reads the domestic importer's customer information and the transfer acceptance target bond information through the communication channel to check the validity of the bond transfer acceptance information (2530).

According to the method of the present invention, confirming the validity of the bond transfer acceptance information, when the bond transfer acceptance information is electronically signed or encrypted through the security module provided in the terminal, decrypt the bond transfer acceptance information Alternatively, or may further comprise decoding the bond transfer acceptance information.

According to the implementation method of the present invention, the validity confirmation of the bond transfer acceptance information is at least one ledger information matching the bond transfer acceptance information in the ledger D / B on the financial system associated with the bond transfer acceptance information registration system It is preferable to include checking whether it is registered.

For example, the validity of the bond transfer acceptance information is matched with the customer ledger stored in the ledger D / B on the financial system linked with the bond transfer acceptance information registration system. This can be done, including checking if it is.

In addition, the validity confirmation of the bond transfer acceptance information is a discount and global CMS stored in the storage medium (2430) associated with the domestic import company customer information included in the bond transfer acceptance information associated with the bond transfer acceptance information registration system And checking whether the service contract is matched with the customer information.

In addition, the validity confirmation of the bond transfer acceptance information includes the account ledger stored in the ledger D / B of the domestic import company customer account information included in the bond transfer acceptance information in the financial system linked to the bond transfer acceptance information registration system; This may include checking for a match.

In addition, the validity confirmation of the bond transfer acceptance information is the import and export contract information corresponding to the transferable bond information included in the bond transfer acceptance information is stored in a predetermined storage medium (2430) associated with the bond transfer acceptance information registration system It may include including checking whether the foreign export company matches the registered import and export contract information.

If the validity of the bond transfer acceptance information is not authenticated (2535), the server generates a web page including predetermined information registration error information and transmits it to the terminal (2540), corresponding to the bond transfer acceptance information. Do not perform the information registration procedure.

On the other hand, if the validity of the bond transfer acceptance information is authenticated (2535), the server performs an information registration procedure corresponding to the bond transfer acceptance information, thereby linking the domestic imported company customer information, the transfer acceptance target bond information It is stored in the predetermined storage medium (2430) (2545).

According to one embodiment of the invention, the storage medium 2430 is preferably provided in a DBMS on a financial system provided on the bond transfer acceptance information registration system (or associated with the bond transfer acceptance information registration system), In this case, the storage medium 2430 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, and thus the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 2430 is provided with (or linked to) an Internet banking system, a telebanking system, a wireless banking system, or a TV banking provided on the bond transfer information registration system. It is possible to be provided in a DBMS on at least one banking system of the 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 (2550), thereby completing the procedure of registering the bond transfer acceptance information transmitted from the terminal.

26A and 26B illustrate a process of registering bond transfer acceptance information in a non-face-to-face manner for accepting bond transfer according to another exemplary embodiment of the present invention.

In more detail, FIGS. 26A and 26B illustrate a case where the client terminal is TCP / IP-based in the case where the bond transfer acceptance information registration system shown in FIG. 24 is realized through an Internet banking system among non-face-to-face channel-based banking systems. After accessing the Internet banking server through a network (for example, the Internet) and performing a predetermined customer authentication procedure, the client terminal receives the domestic bond transfer acceptance information for the bond transfer acceptance from the client terminal to the Internet banking server. When the bond transfer acceptance information including the corporate customer information and the bond acceptance target bond information is transmitted, the domestic transfer company customer information included in the bond transfer acceptance information received from the bond transfer acceptance information registration server 2400 and the transfer acceptance information The present invention relates to an implementation method of linking and processing target bond information in a predetermined storage medium 2430. Those skilled in the art, various methods of registering the bond transfer acceptance information from the client terminal to the bond transfer acceptance information registration server 2400 by referring to or modifying the figures 26a and 26b. It may be inferred that, but the present invention includes all the implementation method inferred, and is not limited to the implementation method shown in the present figures 26a and 26b.

That is, when the browser program is connected to the Internet banking server through a predetermined browser program (for example, Microsoft Internet Explorer or Netscape Navigator Netscape Navigator, etc.) provided in the client terminal in FIGS. 26A and 26B Although the implementation method for connecting the Internet banking-based financial transaction channel for registering the bond transfer acceptance information between the client terminal and the Internet banking server based on the present invention, those skilled in the art to which the present invention belongs, Acceptance of bond transfer between the client terminal and the internet banking server based on a predetermined internet banking program mounted on the client terminal by referring to or modifying an internet banking-based financial transaction channel connection method using the browser program shown in FIGS. tablet It would be possible to infer an implementation method of linking an internet banking based financial transaction channel for registration, but the present invention includes the provided internet banking based financial transaction based on the internet banking program, whereby the present invention is not limited thereto. No.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to or modifying the Internet banking-based financial transaction channel connection method shown in Figure 26a and Figure 26b, a telebanking system or wireless Another banking system, such as a banking system or a TV banking system, may infer an implementation method of linking a non-face-to-face channel-based financial transaction channel for registering bond transfer information, but the present invention may provide the telebanking system or the wireless banking system. It includes all types of non-face-to-face channel-based financial transactions, including TV banking systems or future non-face-to-face banking systems, and the technical configuration of the present invention is limited to the case of the Internet banking shown in FIGS. 26A and 26B. Is never.

In the following figures 26a and 26b, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the bond transfer acceptance information registration server 2400 is referred to as " server "

26A and 26B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (2600a), the server communicates between the terminal and the server through the browser. (2605a), wherein the communication channel is a web page generated (or extracted) by a request of a browser program provided in the terminal, transmitted to the terminal, and the browser provided in the terminal. It means that a predetermined communication session is allocated so that a program can receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page.

According to another embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server is based on a predetermined communication protocol defined in the internet banking program and at least one or more information (or Communication channel for transmitting / receiving data) can be allocated.

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal on a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, or the security module. By adding a predetermined script for checking whether or not to update the terminal and providing it to the terminal, it is checked whether a predetermined security module for internet banking is installed in the terminal or whether the security module is to be updated ( 2610a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information or the last update date, etc., from the internet banking program, thereby providing the Internet banking program (or the Internet banking program). It can be checked whether or not to update the security module associated with the module.

If a predetermined security module is to be installed or updated in the terminal (2615a), the server transmits the latest version of the security module for internet banking to the terminal according to a remote program installation procedure defined in the browser program. Or update 2620a.

If the terminal does not need to install or update the latest version of the Internet banking security module (2625a), or if the terminal does not need to load or update the Internet banking security module (2615a), the server is mounted on the terminal. By activating the security module for internet banking, the Internet banking security channel is connected between the terminal and the server (or the communication channel between the terminal and the server is converted into a secure channel) (2630a), and is referred to as a security channel for internet banking. Attaches a predetermined electronic signature to information (or data) required for security among information (or data) included in a web page to be provided to the terminal from the server, or at least one encryption method (or encryption algorithm). If encrypted and provided, the terminal checks the digital signature or corresponds to the encryption method (or encryption algorithm). Means a communication channel for decoding the information (or data) by a predetermined decryption method (or decryption algorithm), and is defined in the information (or data) to be provided to the server for registering the bond transfer acceptance information in the terminal. When the digital signature is attached or is encrypted and transmitted by at least one encryption method (or encryption algorithm), the server verifies the electronic signature or a predetermined decryption method (or a corresponding encryption method (or encryption algorithm)). Decoding algorithm) means a communication channel for decoding the information (or data).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or Data is attached to a predetermined digital signature, or encrypted and provided by at least one encryption method (or an encryption algorithm), the terminal confirms the electronic signature or a predetermined function corresponding to the encryption method (or an encryption algorithm). A communication channel for decrypting the information (or data) by a decryption method (or decryption algorithm), and a predetermined digital signature on information (or data) to be provided to the server for registering the bond transfer acceptance information in the terminal. Or at least one encryption method (and Encrypting the data using an encryption algorithm), and the server verifies the digital signature or decrypts the information (or data) with a predetermined decryption method (or decryption algorithm) corresponding to the encryption method (or encryption algorithm). It means communication channel.

According to the present invention, the security module is characterized by performing an electronic signature attachment, encryption, or protection function for the information (or data) by using the certificate of the customer mounted on the terminal.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (2635a).

According to an exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (eg, ID / PW, customer number, etc., registered by the customer during the internet banking application process) through the terminal. ) Is input (or generated) and transmitted to the server, wherein the server comprises authenticating a customer connected through the terminal as an internet banking customer based on the customer authentication data, wherein the customer authentication data It is preferable that the digital signature or encrypted is transmitted through the secure channel.

According to another exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (for example, an ID / PW or customer number registered by the customer during the internet banking application process) through the terminal. And the like) are input (or generated) and transmitted to the authentication server, the authentication server authenticates the customer connected through the terminal as the Internet banking customer based on the customer authentication data, and provides the result to the server. In this case, it is preferable that the customer authentication data include public certificate-based authentication data, and the authentication server is a server for authenticating the public certificate-based authentication data.

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, requests an Internet banking customer authentication by electronically signing or encrypting the data through the security module, and transmitting it to the server (or authentication server) (2640a). In operation 2645a, the server (or the authentication server) authenticates the customer connected through the terminal as the Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal.

If the Internet banking customer authentication fails (2650a), the server blocks the internet banking security channel for the terminal (2655a), thereby preventing the Internet banking-based financial transactions through the terminal.

On the other hand, if the Internet banking customer authentication is successful (2650a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel to the Internet banking-based financial transaction channel (2660a), where the Internet banking based The financial transaction channel refers to a communication channel for transmitting and registering predetermined bond transfer acceptance information for accepting bond transfer from the terminal to the server.

Thereafter, when the terminal requests internet banking-based bond transfer acceptance information registration to the server through the inter-banking-based financial transaction channel to register bond transfer acceptance information (2600b), the server registers the bond transfer acceptance information. A web page corresponding to a predetermined information registration interface is generated (or extracted) (2605b), and the generated (or extracted) web page is transmitted to the terminal through the internet banking-based financial transaction channel (2610b). ).

According to an embodiment of the present invention, the information registration interface comprises an interface for inputting (or selecting) bond transfer acceptance information including at least one or more domestic import company customer information and transfer acceptance target bond information in the terminal. Preferably, a predetermined password (e.g., account password, etc.) or security code (e.g., application for internet banking) to confirm the validity of the Internet banking customer requesting registration of the bond transfer acceptance information or the bond transfer acceptance information. The security code printed on the security card issued to the customer during the process or the OTP (One Time Password) (for example, the internet banking application process (or after the internet banking application). It is desirable to further include an interface for inputting a one-time password generated through It is right.

In addition, the web page transmission or output process is preferably performed at least once according to the bond transfer acceptance information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) bond transfer acceptance information including at least one of the domestic importer customer information and the transfer acceptance target bond information through the information registration interface (2615b).

If the terminal receives (or selects) bond transfer acceptance information including the domestic import company customer information and transfer acceptance target information through the information registration interface (2620b), the terminal transfers the transaction through the financial transaction channel. The input (or selected) bond transfer acceptance information is transmitted to the server (2625b).

According to the method of the present invention, transmitting the bond transfer acceptance information input (or selected) to the server through the financial transaction channel, the bond transfer acceptance information input (or selected) through the information registration interface. It comprises the electronic signature or encryption through the security module provided in the terminal and transmitting to the server.

Thereafter, the server receives and reads the bond transfer acceptance information through the financial transaction channel to check the validity of the bond transfer acceptance information (2630b).

According to the method of the present invention, confirming the validity of the bond transfer acceptance information, when the bond transfer acceptance information is electronically signed or encrypted through the security module provided in the terminal, decrypt the bond transfer acceptance information Alternatively, or may further comprise decoding the bond transfer acceptance information.

In addition, the validity confirmation of the bond transfer acceptance information, it is preferable to further comprise authenticating a password or security code or OTP contained in the bond transfer acceptance information.

According to the implementation method of the present invention, the validity confirmation of the bond transfer acceptance information is at least one ledger information matching the bond transfer acceptance information in the ledger D / B on the financial system associated with the bond transfer acceptance information registration system It is preferable to include checking whether it is registered.

For example, the validity of the bond transfer acceptance information is matched with the customer ledger stored in the ledger D / B on the financial system linked with the bond transfer acceptance information registration system. This can be done, including checking if it is.

In addition, the validity confirmation of the bond transfer acceptance information is a discount and global CMS stored in a predetermined storage medium (2430) linked to the domestic import company customer information included in the bond transfer acceptance information associated with the bond transfer acceptance information registration system And checking whether the service contract is matched with the customer information.

In addition, the validity confirmation of the bond transfer acceptance information includes the account ledger stored in the ledger D / B of the domestic import company customer account information included in the bond transfer acceptance information in the financial system linked to the bond transfer acceptance information registration system; This may include checking for a match.

In addition, the validity confirmation of the bond transfer acceptance information is the import and export contract information corresponding to the transferable bond information included in the bond transfer acceptance information is stored in a predetermined storage medium (2430) associated with the bond transfer acceptance information registration system It may include including checking whether the foreign export company matches the registered import and export contract information.

If the validity of the bond transfer acceptance information is not authenticated (2635b), the server generates a web page including predetermined bond transfer acceptance information registration error information and transmits it to the terminal (2640b), and the bond transfer acceptance Do not perform the information registration procedure corresponding to the information.

On the other hand, if the validity of the bond transfer acceptance information is authenticated (2635b), the server performs the information registration procedure corresponding to the bond transfer acceptance information, customer information, domestic acceptance company included in the bond transfer acceptance information The target bond information is linked and stored in a predetermined storage medium 2430 (2645b).

According to one embodiment of the invention, the storage medium 2430 is preferably provided in a DBMS on a financial system provided on the bond transfer acceptance information registration system (or associated with the bond transfer acceptance information registration system), In this case, the storage medium 2430 may be a ledger D / B provided in the DBMS on the financial system, or may be a predetermined database associated with the ledger D / B, and thus the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, the storage medium 2430 is provided with (or linked to) an Internet banking system, a telebanking system, a wireless banking system, or a TV banking provided on the bond transfer information registration system. It is possible to be provided in a DBMS on at least one banking system of the system, whereby the present invention is not limited.

Thereafter, the server generates a web page including predetermined bond transfer acceptance information registration history information and transmits it to the terminal (2650b), thereby completing registration of bond transfer acceptance information transmitted from the terminal.

27 is a diagram showing a bond discount processing system for approval and transfer of trade receivables according to an embodiment of the present invention.

In more detail, this drawing 27 is provided by a domestic import enterprise customer who has entered into a predetermined export / export contract with a predetermined overseas export company through the bond discount information registration system shown in FIG. 1 or 6 through a predetermined information registration interface. Storing and registering bond discount information including at least one of domestic import company customer information, import and export contract information, bond discount, and global CMS contract information for discounting the trade receivable of the foreign exporter; In addition, the foreign discount for discount on the trade receivable provided by a foreign trade enterprise customer who has signed the import and export contract with the domestic import company through a predetermined information registration interface through the bond discount information registration system shown in FIG. 9 or FIG. 14. Bond discounts including at least one export company's customer information, import and export contract information, bond discounts and global CMS contract information After the storage is registered and stored in a predetermined storage medium 930, and the foreign export enterprise customer ships the prescribed goods according to the import and export contract through the discount application information registration system shown in FIG. 17 or 19. For the receivable transfer and discount application provided through a predetermined information registration interface, the bond transfer and discount including at least one export customer information, receivable transfer application information, receivables discount application information, and shipping document information Domestic information that is stored and registered in the predetermined storage medium 1735 and notified of the bond transfer and discount application details of the foreign exporter enterprise customer through the bond transfer acceptance information registration system shown in FIG. 22 or FIG. Domestic import company for accepting bond transfer of the foreign export enterprise customer provided by the import enterprise customer through a predetermined information registration interface After storing and registering bond transfer information including at least one of customer information and bond information subject to transfer consent in a predetermined storage medium 2230, the foreign-exported enterprise customer may receive A system for performing bond discount processing, depositing the discounted price into a CMS account registered by the overseas exporting enterprise customer, and automatically withdrawing the bond maturity payment from the CMS account registered by the domestic importing enterprise customer on the bond maturity date. As for the configuration, those of ordinary skill in the technical field to which the present invention belongs, inferring various implementation methods for the system configuration for the discount processing of the receivables of the overseas export enterprise customer by referring to or modifying the drawing 27. As will be appreciated, the present invention includes all implementation methods inferred from the above, and Indicated to specify the exemplary method is that the technical feature not only limited.

Referring to FIG. 27 according to an embodiment of the present invention, the bond discount processing system is shown in FIG. 1 (or 6) or 9 (or 14) or 17 (or 19) or 22 (or 24). A financial system interworking with various information registration systems shown in Fig. 2), a storage medium 2740 for storing information stored (or received or created) through the various information registration systems, and the storage in connection with the financial system. On the basis of the stored information stored in the medium (2740) characterized in that it comprises a bond discount processing server 2700 for performing the receivables transfer approval and discount processing according to the present invention.

Here, the storage medium 2740 is provided in the ledger D / B on the financial system, or in a predetermined database associated with the ledger D / B according to the intention of those skilled in the art, or on at least one banking system It is possible to provide all, by which the present invention is not limited.

Further, the bond discount processing server 2700 may include at least one or more pieces of information shown in FIG. 1 (or FIG. 6) or FIG. 9 (or FIG. 14) or FIG. 17 (or FIG. 19) or FIG. 22 (or FIG. 24). It may be a server on the registration system, or a separate server that performs the discount processing of the trade receivables of the foreign exporter business customer, whereby the present invention is not limited.

In addition, in FIG. 27, the bond discount processing server 2700 is connected with the financial system and the payment settlement for the transfer of the trade receivable and discount based on at least one or more stored information stored in the storage medium 2740. Although illustrated as including all of the functional configuration to perform the present invention is not limited thereby, the bond discount processing server 2700 may be made through a separate server (or device) for each functional configuration It is obvious.

The financial system is a general term for a computer system in which CMS accounts of the above-described foreign export enterprise customers and domestic import enterprise customers are opened (or registered), and are basically provided in at least one branch (or branch or head office) of the financial institution. It is characterized in that it is connected to the above window terminal through a predetermined financial network (for example, a bank network), and provides a face-to-face financial transaction service to at least one financial transaction customer through the window 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.

In addition, the financial system is characterized in that associated with a predetermined home banking server, at least one or more home appliances (for example, digital TV and / or refrigerator connected to a home network) connected to a predetermined home network through the home banking server Provide non-face-to-face financial transaction services to at least one financial transaction customer.

In addition, the financial system is characterized in that associated with a predetermined TV banking server, at least one or more digital TV (for example, two-way digital TV, satellite DMB terminal) connected to a predetermined return channel (Return Channel) through the TV banking server And non-face-to-face financial transaction services to at least one financial transaction customer through a terrestrial DMB terminal).

Referring to FIG. 27, 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.

The storage medium 2740 is received through various information registration systems shown in FIG. 1 (or 6) or 9 (or 14) or 17 (or 19) or 22 (or 24). As a generic term for storage means for storing the stored information (or obtained or processed or generated), the storage medium 2740 is provided in the ledger D / B on the financial system, or the ledger D / B according to the intention of a person skilled in the art. It is possible to be provided in a predetermined database associated with, or at least one or more banking system, and the storage medium 2740 having the storage information stored through each information registration system is connected and managed by the DBMS It is desirable to be.

Referring to FIG. 27, the bond discount processing server 2700 is an information confirmation unit for confirming, from a predetermined storage medium 2740, transfer acceptance information of a domestic import enterprise customer for an application for transfer of trade receivables of the overseas export enterprise customer. 2705, a discount approval unit 2720 approving the discount applied by the overseas export enterprise customer with reference to the confirmed acceptance information of the domestic import enterprise customer, and the discount price according to the discount approval. Discount processing unit 2710 for remittance processing to the customer's CMS account, the expiration confirmation unit 2715 for checking the receivables due date information stored in the storage medium (2740), and the payment amount for the confirmed receivables By confirming, the payment processing unit 2725 and the receivables discount processing history information, receivables transfer approval history information and sales for processing the withdrawal of the confirmed payment from the domestic import company customer CMS account And an information storage unit 2735 for storing the bond payment processing history information in a predetermined storage medium 2740.

In addition, the bond discount processing server 2700 transmits the sales receivable discount processing history information, the sales receivable transfer approval information and the sales receivable payment processing history information to the overseas export enterprise customer communication means or domestic import enterprise customer communication means. It may be configured to further include an information transmitter 2730.

According to the present invention, each of the functional components provided in the bond discount processing server 2700 may be composed of at least two or more functional components (or means) in more detail according to the intention of the person skilled in the art (for example, discount processing means, payment) Treatment means, etc.), thereby the present invention is not limited.

The information confirmation unit 2705 prescribes the transfer acceptance information for the application for receivable transfer of the trade receivable of the foreign exporter enterprise customer provided by the domestic import enterprise customer through the bond transfer acceptance information registration system shown in FIG. 22 or 24. It is characterized in that checking from the storage medium (2740).

If the discount approval unit 2720 is confirmed through the information confirmation unit 2705, the transfer acceptance information for the application for the receivable of the receivables of the overseas export enterprise customer of the domestic import enterprise customer, based on the confirmed transfer acceptance information It characterized in that for approving the receivables discount applied by the overseas export enterprise customer.

According to the implementation method of the present invention, the discount approval unit 2720 corresponds to the transaction performance by referring to the transaction performance (eg, transaction amount, frequency of transaction, number of transaction companies, transaction period, etc.) of the domestic imported enterprise customer. According to the calculated discount rate, the discount processing unit 2710 may remit the discount for the trade receivables to the overseas export enterprise customer account.

The discount processing unit 2710 is characterized in that the remittance processing of the discount payment in accordance with the discount approval to the account of the foreign exporter company customer (for example, CMS account, etc.), and the information on the discount payment remittance details of the information storage unit 2735 And the information transmission unit 2730.

The maturity confirmation unit 2715 may verify the receivables due date information stored in the storage medium 2740, and provide the confirmed receivables due date information to the payment processing unit 2725.

The payment processing unit 2725 checks the payment amount for the confirmed receivables, and withdraws the confirmed payment amount from the domestic imported corporate customer account (eg, CMS account, etc.), The payment withdrawal processing history is provided to the information storage unit 2735 and the information transmission unit 2730.

28 is a view showing a discount processing process for the approval of the receivables transfer and the discount processing according to the embodiment of the present invention.

More specifically, FIG. 28 is provided by a domestic import enterprise customer who has entered into a predetermined export / export contract with a predetermined overseas export company through the bond discount information registration system shown in FIG. 1 or FIG. 6 through a predetermined information registration interface. Storing and registering bond discount information including at least one of domestic import company customer information, import and export contract information, bond discount, and global CMS contract information for discounting the trade receivable of the foreign exporter; In addition, the foreign discount for discount on the trade receivable provided by the foreign exporter enterprise customer who has signed the import and export contract with the domestic import corporation through a predetermined information registration interface through the bond discount information registration system shown in FIG. Bond discounts including at least one export company's customer information, import and export contract information, bond discounts and global CMS contract information The information is stored and registered in a predetermined storage medium 2740, and the foreign export enterprise customer ships the predetermined goods according to the export and import contract through the discount application information registration system shown in FIG. 17 or 19. Subsequently, a bond transfer including at least one or more export customer information, trade receivable transfer application information, trade receivable discount application information, shipping document information, and the like for the trade receivable transfer and discount application provided through a predetermined information registration interface; The discount application information is stored and registered in a predetermined storage medium 2740, and the bond transfer and discount application details of the foreign exporter enterprise customer are notified through the bond transfer acceptance information registration system shown in FIG. 22 or 24. Domestic importing machine for accepting bond transfer of the overseas exporting enterprise customer provided by the domestic importing enterprise customer through a predetermined information registration interface After storing and registering bond transfer information including at least one of customer information and bond information subject to transfer consent in a predetermined storage medium 2740, the foreign-exported enterprise customer may receive Performing a bond discount processing, depositing the discounted price into a CMS account registered by the overseas exporting enterprise customer, and automatically withdrawing the bond maturity payment from the CMS account registered by the domestic importing enterprise customer on the bond maturity date; For those of ordinary skill in the art to which the present invention pertains, various implementation methods for the system configuration for discount processing of the trade receivables of the overseas export enterprise customer may be inferred by referring to or modifying the drawing 28. As will be appreciated, the present invention includes all implementation methods inferred from the above, and is illustrated in FIG. It is to be noted that the technical features are not limited only by the method of implementation.

Referring to FIG. 28, a domestic import enterprise customer whose bond discount information registration server 100,900 on the bond discount information registration system shown in FIG. Storage medium (2740) that includes bond discount information including at least one of domestic import company customer information, import and export contract information, bond discount, and global CMS contract information for discounting the trade receivable of the foreign exporter through the information registration interface. Register and store (2800).

The foreign trade enterprise customer who has entered into the export and import contract with the domestic import company in the bond discount information registration server (100,900) on the bond discount information registration system shown in FIG. 9 or 14 provides through the predetermined information registration interface. Bond discount information including at least one or more foreign export company customer information, import and export contract information, bond discount, and global CMS contract information for discounting trade receivables is stored and registered in a predetermined storage medium 2740 (2805).

After the foreign export enterprise customer processes the predetermined goods according to the import and export contract by the discount application information registration server 1700 on the discount application information registration system shown in FIG. 17 or 19, the predetermined information registration interface is executed. The storage medium for claim transfer and discount application information including at least one or more of the export information of the export company customer information, sales receivable transfer application information, receivables discount application information, shipping documents information provided for the sales receivable transfer and discount application provided through It stores and registers at 2740 (2810).

In the bond transfer acceptance information registration system shown in FIG. 22 or FIG. 24, a domestic import enterprise customer who has been notified of the bond transfer and discount application details of the overseas export enterprise customer through a predetermined information registration interface. Store and register bond transfer acceptance information including at least one of domestic import company customer information and transfer target bond information for accepting the bond transfer of the foreign exporter enterprise customer provided in the storage medium 2740 (2815). .

The bond discount processing server 2700 illustrated in FIG. 27 is provided by the domestic import enterprise customer through the bond transfer acceptance information registration server 2200 on the bond transfer acceptance information registration system shown in FIG. 22 or 24. The transfer acceptance information for the transfer of the trade receivable of the customer of the overseas export enterprise is confirmed from the predetermined storage medium 2740 (2820).

Then, the bond discount processing server 2700 is confirmed that the transfer acceptance information for the receivable transfer application of the overseas export enterprise customer of the domestic import enterprise customer, the overseas export enterprise customer based on the confirmed transfer acceptance information Approved the discount on the trade receivable applied for (2825).

The bond discount processing server 2700 transfers the discounted price according to the discount approval to the account (eg, CMS account, etc.) of the foreign exporter company customer (2830).

Thereafter, the bond discount processing server 2700 checks the receivables due date information stored in the storage medium 2740 (2835), and if the maturity date of the receivables has arrived (2840), for the confirmed receivables The payment amount is checked, and the withdrawal processing of the confirmed payment amount is processed from the domestic imported corporate customer account (eg, CMS account, etc.) (2845).

The bond discount processing server 2700 stores the sales receivable discount processing history information, the sales receivable transfer approval information, and the sales receivable payment processing history information in a predetermined storage medium 2740 (2850).

The bond discount processing server 2700 transmits the receivables discount processing history information, the receivables receivable approval information, and the receivables payment processing history information to the overseas export enterprise customer communication means or the domestic import enterprise customer communication means ( 2855).

Here, the communication means is characterized in that it comprises at least one or more e-mail, text messages, wired and wireless phones, fax, homepage, blog, mini homepage, messenger and the like.

According to the present invention, there is an advantage that it is possible to deal with credit with foreign exporters without burden of funds and borrowing.

In addition, there is an advantage in that it is possible to grasp the receivables and the payment status in real time.

In addition, the introduction of the electronic transaction method has the advantage of simplifying the document process, and simplify the work process.

In addition, there is an advantage that it is easy to increase the number of customers by supporting financial means in advance for exporters.

Claims (1)

A storage medium for storing bond transfer and discount application information, including customer export information, trade receivable transfer application information, trade receivable discount application information, and shipping document information provided by the foreign export company through a terminal; Sending the bond transfer and discount application information stored in the storage medium to a domestic import enterprise customer communication means that deals with the foreign exporter, requesting acceptance of the bond transfer for the trade receivables, and transferring the bond of the domestic import enterprise customer from the terminal. A discount processing means for receiving approval information and performing discount processing on the bonds of the foreign exporter company by referring to the received bond transfer acceptance information of the domestic import enterprise customer; .

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