KR20090036622A - System and method for processing goods secured loan - Google Patents

Abstract

A system and a method for processing goods secured loan are provided to reduce cost loss caused by an occurrence of risk by performing the preemptive risk management to grasp the current inventory status of an enterprise. Mortgage lending application information is received to an enterprise terminal. A validity confirming unit(920) compares the product information included in the mortgage lending application information and the storage medium(950). The validity of the security object is confirmed. When the validity is confirmed, a value calculator produces the property value about security objects. A loan processor(935) processes the loan set up products as the security. The delivery request information about the products which are set up as the security is received, a delivery approving unit transmits the delivery response information with a warehouse terminal.

Description

System and Method for Processing Goods Secured Loan

1 is to calculate the value of the company inventory attached to the RFID tag using a predetermined RFID system for a company applying for a loan in accordance with an embodiment of the present invention, set as collateral, and then provide a loan service The figure shows the structure of a securitization loan processing system for stock security.

2A and 2B are diagrams illustrating a process of calculating the asset value of a company applying for an inventory security loan service according to an embodiment of the present invention.

3A and 3B illustrate a process of calculating the asset value of a company applying for an asset-backed security loan service according to another embodiment of the present invention.

4A and 4B are diagrams illustrating a process of confirming inventory status information for each warehouse location of a company applying for an asset security loan service in accordance with an embodiment of the present invention.

5A and 5B are diagrams illustrating a process of checking inventory status information of each warehouse location of a company applying for an asset security loan service according to another embodiment of the present invention.

FIG. 6 is a diagram illustrating a process of approving a loan application of a company applying for an asset-liquid securitized loan service according to an embodiment of the present invention and setting the inventory of the company as a collateral.

7A and 7B illustrate a process in which a financial institution server processes a request and an approval for a product release of a company using an inventory security loan service according to an embodiment of the present invention.

8A and 8B illustrate a process in which a financial institution server processes a request and approval for a product release of a company using an inventory security loan service according to an embodiment of the present invention.

FIG. 9 is a view of a company applying for a loan according to another embodiment of the present invention, using a predetermined RFID system, calculating the value of an enterprise inventory asset with an RFID tag and setting it as collateral, and then providing a loan service. The figure shows the composition of a system for secured loans for stock security.

10A and 10B illustrate a process of calculating the asset value of a company applying for an asset-backed security loan service according to an embodiment of the present invention.

11A and 11B illustrate a process of calculating the asset value of a company applying for an inventory-secured securitization loan service according to another exemplary embodiment of the present invention.

12A and 12B are diagrams illustrating a process of confirming inventory status information for each warehouse location of a company applying for an asset-backed security loan service according to an embodiment of the present invention.

13A and 13B illustrate a process of confirming inventory status information of each warehouse location of a company applying for an asset security loan service according to another exemplary embodiment of the present invention.

14 is a diagram illustrating a process of approving a loan application of a company applying for an asset-liquid securitized loan service according to an embodiment of the present invention and setting the inventory of the company as a collateral.

15A and 15B illustrate a process in which a financial company server processes a request and approval for a product release of a company using an inventory secured loan service according to an embodiment of the present invention.

16A and 16B illustrate a process in which a financial company server processes a request and approval for a product release of a company using an inventory security loan service according to an embodiment of the present invention.

<Description of main parts of drawing>

100: financial company server 105: interface unit

110: interface providing unit 115: information receiving unit

120: validation unit 125: information confirmation unit

130: value calculation processing unit 135: collateral setting processing unit

140: loan processing unit 145: information storage unit

150: information transmission unit 155: storage medium

160: supplier information system 165: warehouse information system

170: mechanical product code middleware

175: object name service server

180: mechanical product code information service server

185: Company Information System 190: Customer Information System

The present invention provides information receiving means for receiving RFID information (or article information) read from an RFID tag attached to an article and company information of the article from a warehouse terminal (or server), and the received RFID information (or article information). And information storage means for linking and processing the company information of the goods in a storage medium, and when the collateral loan application information is received as collateral from the corporate terminal, the goods information included in the collateral loan application information and the storage medium. Validation means for checking the validity of the security target goods by comparing the goods information stored in the, and value calculation means for calculating the property value for the security target goods, if the validity of the security target goods; Loan processing means for processing the loan to set the goods as collateral in response to the calculated property value of the goods and the corporate terminal (and When the goods receipt request information for the items set as the collateral received from the warehouse warehouse), the goods security including a goods approval means for transmitting the goods delivery response information corresponding to the goods request information to the warehouse terminal (or server) It relates to a loan processing system.

As current mortgage loans basically set real estate as the main collateral, there is a limitation that even if a company with a high inventory turnover rate cannot be secured by a company with low credit rating or lack of assets.

Contrary to these realistic constraints, the logistics flow of a company is shifting to a real-time logistics system using RFID, and any company equipped with an RFID system can grasp the flow of inventory of the company. Since the real estate mortgage disclosure system is also causing the possibility of introduction, if the security property such as real estate is set as collateral, there is a risk that the real estate registration system will not be able to detect potential trading customers that will become active. There is a problem that gradually increases.

In addition, there is a problem that static financial services, as of now, lose the competitiveness in the real-time business fluctuation trend and are likely to fail to attract customers.

An object of the present invention for solving the above problems is the step of receiving the RFID information (or article information) and the company information of the article from the RFID terminal attached to the article in the information receiving means from the warehouse terminal (or server) and And storing the received RFID information (or article information) in association with the company information of the article in a storage medium in an information storage means, and storing the article from the corporate terminal as collateral. Is received, comparing the item information included in the secured loan application information with the item information stored in the storage medium, and confirming the validity of the subject to the security, the value calculation means to verify the validity of the subject to the security Calculating a property value of the items to be secured, and applying the property value of the calculated items to the loan processing means. In response to processing a loan for setting the goods as collateral, and upon issuing a request for the goods set as the collateral from the company (or the warehouse); In another aspect, there is provided a method of processing a secured loan.

The goods security loan processing system according to the present invention includes information receiving means for receiving RFID information (or item information) and product information of an item read from an RFID tag attached to an item from a warehouse terminal (or server); The information storing means for linking the processed RFID information (or the product information) with the company information of the goods and storing the information in the storage medium, and receiving the collateral loan application information for securing the goods from the corporate terminal. Validation means for verifying the validity of the security target goods by comparing the included product information and the product information stored in the storage medium, and if the validity of the security target goods is confirmed, the property value of the security target goods A value calculation means for calculating a value and a loan for setting the goods as collateral in response to the calculated property values of the goods; When the delivery request information for the goods set as the collateral is received from the processing means and the corporate terminal (or the warehouse terminal), the delivery response information corresponding to the shipment request information is transmitted to the warehouse terminal (or server). Characterized in that it comprises a shipping approval means.

In the goods security loan processing system according to the present invention, when the goods receipt request information is received from the company terminal (or warehouse terminal) for the goods set as the collateral, corresponding to the goods receipt request information Characterized in that the response to the goods supply to the enterprise terminal.

On the other hand, the method for processing the security of the goods secured according to the present invention comprises the steps of receiving RFID information (or goods information) read from the RFID tag attached to the goods and the company information of the goods from the warehouse terminal (or server) in the information receiving means. And storing and storing the received RFID information (or article information) in association with the company information of the article in a storage medium in an information storage means, and securing the article from the corporate terminal in the validity checking means. When the information is received, comparing the item information included in the security loan application information and the item information stored in the storage medium, and confirming the validity of the security target goods, and the validity of the security target goods in the value calculation means If it is confirmed, the step of calculating the property value for the items subject to the security, the property value of the calculated items in the loan processing means In response to processing a loan for setting the goods as collateral, and upon issuing a request for the goods set as the collateral from the company (or the warehouse); Characterized in that it comprises a step.

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, the preferred embodiment of the present invention to be carried out below is provided in each radio terminal functional configuration in order to efficiently describe the technical components constituting the present invention, or is commonly provided in the art to which the present invention belongs Wireless terminal functional configuration is omitted as possible, and will be described mainly for 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.

Figure 1 is for the company applying for a loan in accordance with an embodiment of the present invention, using a predetermined RFID system to calculate the value of the company inventory asset with the RFID tag, set as collateral, and then provide a loan service The figure shows the structure of a securitization loan processing system for stock security.

In more detail, Figure 1 shows that a predetermined corporate customer has a predetermined information registration interface through a predetermined information registration interface for a stock asset secured loan of a company having a predetermined RFID system. And providing loan application information including at least one loan amount information, the inventory security secured loan processing system provides product information (or real-time product information) corresponding to the company information included in the provided loan application information. Identify, calculate asset value based on the identified product information, generate asset value information including the calculated asset value, check the asset value information, and inventory (or inventory assets) corresponding to the asset value information. The present invention relates to a system configuration for providing a loan service to the enterprise by setting collateral), and the present invention. Those skilled in the art may refer to or modify this figure 1 to infer various implementation methods for the construction of an inventory security securitization loan processing system for processing inventory security loans of a company in which an RFID system is constructed. Although the present invention may be implemented, the present invention includes the inferred implementation method and is not limited to the implementation method illustrated in FIG.

Hereinafter, at least one means or function configuration for storing the loan application information provided from the corporate customer through the predetermined information registration interface on the storage medium 155 on the inventory security secured loan processing system shown in FIG. The components corresponding to the financial company server 100 for convenience, and refer to the "mechanical merchandise code middleware 170" used in the configuration of the present invention will be used as "middleware" bar.

Referring to FIG. 1 according to an embodiment of the present invention, the inventory asset securitization loan processing system for a securitization loan of an asset secured by an enterprise in which the RFID system is constructed may include at least one terminal device provided at at least one financial institution branch. In the process of signing a supply contract with a predetermined supplier, the company applies for a securitized loan service to provide a securitized loan service (eg, loans), and pays for the production of the supplier's product and sales from the product release (ie And a company information system 185 that handles the repayment of the loan with a purchase price paid to the company by a predetermined sales company, and contracts an OEM (Original Equipment Manufacturer) supply contract with the company to produce the company's products. And a supply source information system 160 for attaching and supplying RFID tags in the production process, and a distribution network from the supply source. The warehouse that receives and processes the goods transported through the product, classifies by the company of the product received and processed, requests the approval of a predetermined financial company for the product for which the management and the stock asset security are set, and issues the goods according to the financial company's approval. Information system 165 and a mechanical product code service middleware that converts RFID tag information into mechanical product codes from RFID tags attached to the product or mechanical product codes converted from RFID tag information into product information by internal processing. And the RFID tag in connection with the object name service server 175 and the object name service server 175 for converting the mechanical product code received through the RFID tag reader into information decodable by the financial institution server 100. And a mechanical product code information service server 180 for generating distribution inventory information of a product to which the product is attached, and the RFID system The asset value calculation and asset value information of the company are generated by using the financial system that provides ledger information for the processing of the securitized security loans of the stock company, and the product information and distribution inventory information of the company on which the RFID system is established. A financial company server 100 for receiving the information necessary for the processing of the stock mortgage loan of the company in which the RFID system is constructed from each of the servers and the middleware mentioned above, and processing the stock mortgage securitization loan; Product packaging unit), paying the purchase price for the product, or deposit the cost of goods from the sales according to the sales of the product to the account of the company, or pay to a predetermined financial company account Characterized in that it comprises an information system 190.

For reference, the terminal device is preferably connected to the financial company server 100 provided on the inventory security secured loan processing system through a predetermined communication network (for example, financial common network).

According to the embodiment of the present invention, the RFID tag attached to the product produced by the supplier who has signed a supply contract with the company applying for the asset-backed security loan, characterized in that the mechanical product code is stored.

In addition, the mechanical product code (EPC) stored in the RFID tag or all the information stored in the RFID tag is characterized in that it has a unique identification number designed to uniquely identify every single product.

According to an embodiment of the present invention, the corporate information may include the company-related information (for example, a business name, a business registration number, an address, a phone number, a fax number, etc.) and member information of the corporate customer (for example, the corporate customer). In the case of subscribing as a financial transaction corporate customer of the financial institution, the member ID information or CIF (Customer) is provided to the corporate customer ledger provided on the financial system linked to the inventory security secured loan processing system in response to the corporate customer. Information file) and at least one corporate asset information (for example, information on corporate assets, liabilities, ratios of capital and inventory turnover).

According to an embodiment of the present invention, the product information may include a unique serial number (SN) assigned to the product when a predetermined product included in an asset of the enterprise produced through the supplier is produced as a finished product. , Product weight (Net.), Product unit (for example, EA), and product cost (or product manufacturing cost) and the like.

For example, the product information may be generated in the supplier information system 160 and stored in an RFID tag attached to the inventory (or inventory packing unit).

In addition, the product information is preferably converted into a mechanical product code stored in the RFID tag attached to each product packaging unit in the process of packaging the product.

The distribution inventory information according to the method of the present invention is characterized in that it contains information such as product number, quantity and shipping location, shipping place, owner, etc. of the product (that is, finished product) produced through the supplier.

According to the method of the present invention, the distribution inventory information is used as information generated and stored for the management of the inventory until the product is produced, shipped to the warehouse, and before being shipped.

For reference, in the release process for the inventory according to the present invention, the release authentication information transmitted from the financial company server 100 is included in the distribution inventory information, the company information system 185 and the financial company server 100 Is preferably transmitted.

The asset value information according to the method of the present invention is characterized by including the asset value calculated corresponding to the stock, using the product information and the distribution inventory information as basic information.

For example, the asset value information may be generated through the inventory analysis system when the company applies for the securitized loan to secure the stock asset through the loan application information. The asset value information may be generated by the financial company server 100. ) Is preferably used as a criterion for determining whether to allow the loan service corresponding to the loan application information.

The loan application information according to the implementation method of the present invention is the company information of the company applying for the asset-backed mortgage lending service, the product information of the product that the company intends to present as collateral, and the company to be provided as a loan service It is preferably configured to include the loan amount information.

In addition, although the asset value information has been described as being generated through the inventory analysis system, according to another embodiment of the present invention, the asset value information includes a predetermined function configuration unit constituting the financial company server 100 ( Alternatively, the asset value may be calculated by predetermined function components, and asset value information including the calculated asset value may be generated.

The enterprise information system 185 may enter into a supply contract with the supplier and process a basic product distribution plan regarding ordering, goods receipt, distribution, and the like regarding a product belonging to an asset owned by the company, and the product distribution. By applying the loan application information to a predetermined financial company operating the financial company server 100 and the financial system to process the plan to apply for the asset-backed security loan service, characterized in that it is provided with a liquidation loan service (for example, loan) do.

In more detail, the enterprise information system 185 enters into a supply contract with the supply source, enters into a transaction contract with the client, and then provides loan application information to the financial company to receive an asset security loan service. When the loan is confirmed through the loan examination of the financial company, the loan service is provided from the financial company, and the product production price is transferred to the supply source, and the account information system 190 transfers the product in response to the receipt of the product. When the purchase price is paid to the account of the company, it is characterized in that the repayment of the loan using the purchase price.

For example, according to another exemplary embodiment of the present invention, the enterprise information system 185 provides the stock asset security securitized loan service to the purchase price processed by the customer information system 190 in response to the receipt of the product. Receiving the remaining amount except the amount corresponding to repayment of the loan to the account of the financial institution may be paid to the account of the company.

In addition, the enterprise system according to the embodiment of the present invention, by sending the delivery request information for the product to the warehouse information system 165 or the financial company server 100 in accordance with the product delivery time contracted with the customer In addition, the financial company server 100 is sent to the company information system 185 and the warehouse information system 165 to check the release approval information according to the release request information so that the release and delivery of the product is processed. desirable.

For reference, the release request information is characterized in that it is configured to include information such as the delivery quantity, the delivery destination, the delivery date and the like in connection with the company information and the product information.

The supplier information system 160 may produce a product having a supply contract (for example, an original equipment manufacturer (OEM)) with the company, and store the finished product in the inventory (or product packaging unit) in the process of packaging and shipping the finished product. It is characterized by managing the process of transporting to the warehouse by attaching the RFID tag is stored product information, the company information system 185 is characterized in that receiving a price corresponding to the product output ordered to a predetermined source account .

In more detail, the supplier information system 160 enters into a supply contract for a specific product size (Lot size) with the company and makes a product of the company's product to make-to-stock (MTS; Make To Stock), or Assemble To Order (ATO) or Engineering To Order (ETO), and attach RFID tags during the production process to deliver the product (or product packaging unit) to the logistics. Characterized in that the delivery to the warehouse.

The warehouse information system 165 receives and processes a product (or a product packaging unit, for example, a container) delivered through a distribution network by attaching RFID at the supply source to a shipping location assigned to a company that has a supply contract with the supply source. When the release request is received from the company, the release approval information transmitted from the financial institution server 100 is checked to release the product to a designated seller.

In more detail, the warehouse information system 165, a predetermined RFID tag reader to check the mechanical product code from the RFID tag of the stock loaded in the warehouse, and then sent to the mechanical product code middleware 170 by wireless method In conjunction with the object name service server 175 and the mechanical product code information service server 180 to generate predetermined product information and distribution inventory information for the inventory, the financial company server 100 is generated It is preferable to generate predetermined asset value information based on the product information and the distribution inventory information.

Further, according to one embodiment of the present invention, when a predetermined financial company determines the value of the assets included in the asset value information to determine the loan service provided to the company, collateral generated by the financial company server 100 The distribution warehouse information system 165 confirming the setting information, preferably stores the collateral setting information in a predetermined D / B in association with the product information.

In addition, according to another embodiment of the present invention, when a predetermined financial company determines the loan service provided to the company by evaluating the asset value included in the asset value information, collateral generated by the financial company server 100 The warehouse information system 165 confirming the setting information may store the collateral setting information in the RFID tag of the stock corresponding to the collateral setting information.

In addition, according to another embodiment of the present invention, when a predetermined financial company determines the value of the assets included in the asset value information to determine the loan service provided to the company, generated by the financial company server 100 The warehouse information system 165 confirming the collateral setting information may further attach an RFID tag including the collateral setting information to the inventory (or inventory packing unit) corresponding to the collateral setting information.

For reference, according to the present invention, the warehouse information system 165 is characterized in that the storage location coordinate information assigned to each company that has a supply contract with the supplier information system 160 is stored in the D / B.

For example, the shipping position coordinate information is transmitted to the financial company server 100 so that the financial company server 100 can grasp the status of goods according to the location of the warehouse in real time, or the financial company corresponding to the shipping request of the company. According to the factory certification of the server 100, it is characterized in that it is possible to check the shipment status of the stock of the company.

The RFID tag reader is an apparatus for reading an EPC (EPC) code from an RFID tag attached to the product (or product packaging unit) stored in the warehouse and configured as an antenna and a control device. The control device controls encoding, decoding and data checking and storage, and communication with tags and hosts.

The mechanical product code service middleware is characterized by converting the RFID tag information into a mechanical product code from an RFID tag attached to a product, or by converting the mechanical product code converted from the RFID tag information into product information.

In more detail, the mechanical product code service middleware is an open-type device that enables data exchange between the RFID tag reader and the enterprise information system 185. The mechanical product code service middleware monitors a read situation of a real-time RFID tag and sends a warning message. Real-time RFID tag reading information to be transmitted to the mechanical product code information service server 180 or other servers and systems to provide or make available to the financial institution server 100, and to manage the integration and control of various facilities It is characterized by.

For reference, according to an embodiment of the present invention, the mechanical product code service middleware is an open structure device that enables data exchange between the RFID tag reader and the enterprise information system 185. In addition to managing the real-time RFID tag reading information to be sent to the mechanical product code information service server 180 or other servers and systems by sending a warning message, and also to manage the integration and control of various facilities, RFID tag information to be read in real time It is characterized in that the mechanical product code is processed internally without interworking with the object naming service server to provide the converted product information to the financial company server 100 or the financial company server 100 can be connected and confirmed.

The object naming service server converts the mechanical product code received through the RFID tag reader into information that can be read by the financial institution server 100.

In more detail, the Object Naming Service (ONS) server acts as a data library for the mechanical product code in connection with the mechanical product code information service server, and converts the mechanical product code into a logical address (URL) on the Internet. And, using the logical address, finds an Internet Protocol (IP) address and checks detailed information on the corresponding product.

The mechanical product code information service server 180 is converted from an RFID tag by the object name service server 175 in association with the object name service server 175 by an external (eg, financial institution server 100) request. The product information is collected to generate and provide distribution inventory information that can be understood by a predetermined terminal device.

In more detail, the electronic product code information service (EPCIS) server manages the product information identified from the object naming service server, and when there is a request for providing information from the financial institution server 100, the product. The information is collected and displayed in a physical markup language (PML), for example, a product description method developed to be understood by both a person and a predetermined terminal device, and transmitted from the financial institution server 100 or the inventory analysis system. By providing a function capable of responding to high-level questions similar to the language, the distribution unit information is generated by identifying the unit of inventory, the location of the inventory, the movement route, etc. based on the product information, and the generated distribution inventory. It provides information to the inventory analysis system or the financial institution server 100.

The financial system may be connected to at least one window terminal provided at a branch (or branch) of the financial institution through a predetermined communication network (for example, a financial common network or a branch network).

In addition, it is preferable that the financial system provides a ledger management and computer processing function for face-to-face financial transaction processing in connection with the counter terminal for the loan of the asset security secured by the RFID system.

In more detail, the financial system opens at least one financial account to at least one financial transaction customer and provides at least one financial transaction service based on the financial account to a financial institution (or a branch of the financial institution). The computer system is provided with an accounting system that handles a window service, such as a credit, a receiving, or a trust, or a foreign exchange occurring at at least one branch (or window), the processing of the main business, branch office information support, and customer information management. Mutual speed between the information system and the financial system and at least one other financial system (or payment system), and at least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking, IC chip based wireless banking, tele banking, TV banking, etc.) It is characterized in that it comprises an external system that provides a variety of financial transaction interface through the access or at least one common network (eg CD common network, financial common network), and the financial system is a component of the financial system Interface module corresponding to the middle ware platform that provides interfacing, and predetermined information (for example, ledger information or customer information, management information, etc.) required for performing each function in the components of the financial system. It is characterized in that it comprises a DBMS (Database Management System) including at least one or more databases for storing and managing.

The customer information system 190 stores a product (or a product packaging unit) from the warehouse, pays a purchase price for the product, or transfers the product cost from the sales according to the product sales to the account of the company. It is characterized in that the deposit or payment to a predetermined financial company account.

In more detail, the customer information system 190 purchases a product of the company, which has been contracted in advance, and arranges the product in a store (or a whole or a part of a store, etc.) and at the same time transfers the purchase price of the product to the account of the company. Characterized in that the transfer process.

For reference, according to an exemplary embodiment of the present invention, the customer information system 190 may directly transfer the purchase price of the product to the account of the financial company provided with the loan service instead of the account of the company. have.

In addition, according to the method of the present invention, the customer information system 190 does not collectively pay the purchase price of the product on the delivery day or the adjacent period of the product, but the sales information generated by the customer after delivery to the customer It may be transferred directly to the account of the financial company or directly to the account of the company in the name of the cost of the product based on the product.

The financial company server 100 may receive information necessary for the processing of the stock mortgage loan of the company in which the RFID system is constructed from each of the servers and the middleware mentioned above, and process the stock mortgage securitization loan.

In more detail, the financial company server 100 receives the loan application information transmitted from a predetermined corporate customer, the company information included in the loan application information and the product information or the distribution inventory information corresponding to the corporate information, After confirming the asset value information associated with the product information or the distribution inventory information, and provides a predetermined loan service to the company is confirmed the loan approval through a predetermined loan processing screening process, and the inventory of the company provided the loan service After generating collateral setting information and providing it to the company information system 185, the warehouse information system 165, or the supplier information system 160, when the goods request information is sent from the company, the goods issue request Receive the information to confirm the product information contained in the shipment request information, and to respond to the product information to be shipped Check the collateral setting information and product information or distribution inventory information to generate the release approval information, and transmit the release approval information to the warehouse information system 165 and the company information system 185 so that the product of the company It is characterized in that the processing to be shipped to the factory.

For reference, according to an exemplary embodiment of the present invention, the financial company server 100 checks the product information or the distribution inventory information, and predetermined information configuration unit (or information configuration units) configured inside the financial company server 100. Through the asset information of the inventory corresponding to the product information or the distribution inventory information may be generated.

In addition, according to the implementation method of the present invention, the financial company server 100 can grasp the real-time status of the shipment target inventory shipped to the company-specific allocation location in the distribution warehouse through the RFID system (for example, real-time product information Or a predetermined system (e.g., the inventory analysis system), or a predetermined system of the asset value information reflecting the asset value calculated by calculating the asset value based on the identified product information or the distribution inventory information. It is preferable to generate the server or a predetermined component (or components), and store the generated asset value information in a predetermined storage medium 155.

In addition, according to an exemplary embodiment of the present invention, the financial company server 100 receives the product purchase price that the beneficiary information system 190 transfers to a product delivery of the company directly to the account of the financial company. It is characterized in that the balance of the repayment of the loan payment for the securitized security loan provided to the transfer to the account associated with the enterprise information system (185).

In addition, according to another embodiment of the present invention, when the customer information system 190 transfers the product purchase price for the product delivery of the company to the account associated with the company information system 185, the financial company server 100 is characterized in that processing the repayment of the loan made from the enterprise information system 185.

According to the exemplary embodiment of the present invention, when the terminal device shown in FIG. 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 the communication terminal and the predetermined communication channel based on the protocol stack defined in It is preferable to provide.

Referring to FIG. 1, the financial institution server 100 connects a communication channel with the financial institution server 100 through the interface unit 105, and then interworks with the interface unit 105. An interface providing unit 110 for generating (or extracting) a predetermined user interface for inputting (or selecting) predetermined loan application information from the terminal device and providing the same to the terminal device; Predetermined loan application information inputted (or selected) by the terminal device through the user interface in association with the terminal device, the mechanical product code middleware 170, or the object name service server 175, or the mechanical Receive product information or distribution inventory information of the corporate customer transmitted from the product code information service server 180, or release request information and release approval request An information receiving unit (or information receiving means) 115 for receiving the information, a company information included in the loan application information, a validity checking unit (or validity checking means) 120 for checking whether or not the product information is valid, Check the company information included in the loan application information of the company, the product in conjunction with the mechanical product code middleware 170, the object name service server 175, or the mechanical product code information service server 180 An information confirmation unit 125 for identifying information, distribution stock information and asset value information corresponding to the product information, and calculating the asset value using the product information and the distribution stock information of the company, and calculating the calculated asset value. A value calculation processing unit (or value calculation means) 130 for generating asset value information including a through and a process of judging whether the loan of the company using the company's value calculation information The loan processing unit (or loan processing unit) 140 for processing loan approval and loan service provision of the loan application information of the company, and collateral setting information on the stock assets of the company whose loan approval and loan processing are confirmed; Receipt approval for receiving the release request information from the security setting processing unit 135 and the enterprise information system 185 or the warehouse information system 165 to generate the release approval information of the product corresponding to the release request information An information storage unit for storing a processing unit (or a factory approval means) 143, the product information, the distribution inventory information, the value asset information, and the like on the storage medium 155 associated with the financial company server 100. (Or information storage means) 145, the collateral processing information generated by the collateral setting processing unit 135, and the release approval information generated by the release approval processing unit 143 through the communication network That comprising the information system 185, a warehouse information system 165 and the client base information system 190, information transmission section 150 to transmit the features.

The interface providing unit 110, after a predetermined terminal device connects the communication channel with the financial institution server 100 through the interface unit 105, the terminal device in conjunction with the interface unit 105 in the predetermined terminal device And generating (or extracting) a predetermined user interface for inputting (or selecting) the loan application information and providing the same to the terminal device.

In more detail, the interface provider 110 connects a communication channel with the financial institution server 100 through the interface unit 105, and then corresponds to the functional configuration provided in the terminal device. Input or select loan application information to generate a predetermined user interface that can be transmitted to the financial institution server 100 through the communication network, or extract from a predetermined database (not shown), and interwork with the interface unit 105. And provide the generated (or extracted) user interface to the terminal device through the communication network.

According to another embodiment of the present invention, a predetermined information registration program having at least one user interface for inputting (or selecting) the loan application information to the terminal device and transmitting the loan application information to the information registration server through the financial network is provided. In this case, the interface providing unit 110 for providing the user interface to the terminal device may be omitted, and the present invention is not limited thereto.

The information receiving unit 115 receives the loan application information input through the user interface at the terminal device, so that the information checking unit 125 may check the company information and the loan amount information included in the loan application information. Receive the product information or distribution inventory information of the corporate customer generated and transmitted from the mechanical product code middleware 170, the object name service server 175, or the mechanical product code information service server 180 Alternatively, or from the company information system 185, or the warehouse information system 165 generated from the delivery request information and the release approval request information, characterized in that for receiving.

According to the embodiment of the present invention, the product information and the distribution inventory information received by the information receiving unit 115 is confirmed by the information checking unit 125 and the loan processing unit 140, the supplier of the RFID system is built And evaluating the collateral for processing the asset-backed security loan of the company that has contracted with the warehouse, that is, it is used to calculate the asset value of the company that has applied for the asset-backed security loan service.

The validity confirming unit 120 checks whether the company information included in the loan application information and the product information are valid.

In more detail, the validity confirming unit 120 is connected to the financial system, whether or not the duplicated storage of the company information included in the loan application information received from the information receiving unit 115 and the account of the company corresponding to the company information Characterized in that the information is confirmed, and the validity of the company information and the product information by confirming the existence of the product information received from the information receiving unit 115 in connection with the mechanical product code information service server 180 It is characterized by checking.

In addition, the validity confirming unit 120, in conjunction with the warehouse information system and the RFID system, product information or distribution inventory information included in the loan application information, product information stored in the storage medium, or distribution Comparing inventory information, it is characterized in that the validity of the security target product and inventory.

The information checking unit 125 checks the product information, distribution inventory information and asset value information corresponding to the product information.

In more detail, the information confirming unit 125 confirms the loan application information received from the information receiving unit 115, confirms the company information and the loan amount information included in the loan application information, and corresponds to the company information. It is characterized in that the product information and the distribution inventory information to confirm, and the asset value information corresponding to the product information.

For example, according to the embodiment of the present invention, the information checking unit 125 is connected to the mechanical product code middleware 170, or the object name service server 175 to retrieve the inventory search request information including the company information And generating the inventory search request information to the mechanical product code middleware 170 or the object name service server 175 to identify inventory information corresponding to the inventory search request information.

In addition, according to the embodiment of the present invention, in the process of confirming the distribution inventory information, the information checking unit 125 is the mechanical product code information service server 180 and the object name service server 175 and the In connection with the mechanical product code middleware 170, characterized in that the process of generating and confirming the distribution inventory information corresponding to the product information.

The value calculation processor 130 is characterized by calculating the asset value by using the product information and the distribution inventory information of the company, characterized in that for generating asset value information including the calculated asset value.

In more detail, the value calculation processor 130, the distribution inventory corresponding to the product information by using the product information corresponding to the corporate information, distribution inventory information associated with the product information, and predetermined market value information It is characterized in that for calculating the asset value of the asset value information including the calculated asset value.

For example, the asset value information may be obtained by linking the product information with the mechanical product code middleware 170 or the mechanical product code middleware 170 and the mechanical product code middleware 170 and the object name service server 175. Characterized in that the distribution inventory information generated by the conversion process is used as basic information.

The loan processing unit 140, by using the value calculation information of the company characterized in that the processing of the loan approval and loan service for the loan application information of the company through the process of screening the loan.

In more detail, the loan processing unit 140 includes loan amount information included in the loan application information received and confirmed via the information receiving unit 115 and the information checking unit 125 and included in the loan application information. Approving the loan application information requested by the corporate customer by checking the asset value information corresponding to the enterprise information, setting a security loan limit for the asset value information, and comparing the loan amount with the loan limit amount; It is characterized by determining whether or not to provide a securitization loan service.

In addition, the loan processing unit 140 confirms the loan amount information of the firm approved for processing and providing the service of the asset-backed security loan, and transfers the loan amount corresponding to the loan amount information to the account of the company. It is characterized in that the processing to provide the inventory security liquidized loan service.

The collateral setting processor 135 generates collateral setting information on the stock assets of the company whose loan approval and loan processing have been confirmed.

In more detail, the security setting processing unit 135 is a distribution inventory corresponding to the asset value information of the company, targeting the company for which the loan processing unit 140 is determined to provide and approve the stock mortgage securitization loan service. Characterized in that the collateral set-up information for setting the basis of mortgage in the information and distribution inventory.

The release approval processing unit receives the release request information from the enterprise information system 185 or the warehouse information system 165 and confirms collateral setting information corresponding to the product information, and then the product corresponding to the release request information. Characterized in that for generating the release approval information.

The information storage unit 145, the company information received and confirmed through the information receiving unit 115 and the information checking unit 125, the product information, the distribution inventory information, the release request information, The value calculation information generated by the value calculation processor 130, the loan amount information generated by the loan processing unit 140, the collateral setting information generated by the security setting processing unit 135, and the release approval processing unit The generated release approval information is stored in a predetermined storage medium 155 associated with the financial institution server 100.

The information transmitting unit 150 corresponds to the collateral setting information generated by the collateral setting processing unit 135 and the shipment request information generated by the company information system 185 or the warehouse information system 165. The factory approval information generated by the factory approval processing unit 143 is transmitted to the enterprise information system 185, the warehouse information system 165, and the customer information system 190 through the communication network.

In FIG. 1, the inventory security secured loan processing system includes a supplier information system 160, a warehouse information system, a mechanical product code middleware 170, an object name service server 175, and a mechanical product code information service server ( 180, a financial institution server 100, a customer information system 190, and a corporate information system 185 are illustrated and described, but the present invention is not limited thereto. The system may consist of one server (or device), or may consist of at least two or more servers (or devices), and according to the intention of the person skilled in the art, separate components for each component constituting each server shown above. It is clear that it can be implemented in the form of a server.

Figures 2a and 2b is a view showing a process of calculating the asset value of a company applying for an asset-backed security loan service according to an embodiment of the present invention.

More specifically, FIGS. 2A and 2B illustrate predetermined loan application information from the company in order to calculate the asset value of the company that applied for the stock loan secured loan service in which the financial institution server 100 is shown in FIG. 1. Receives, check the company information and the loan amount information, and predetermined product information in connection with the mechanical product code middleware 170, the object name service server 175, and the mechanical product code information service server 180 And determining a predetermined distribution inventory information, calculating a predetermined asset value using the identified product information and the distribution inventory information, and generating and storing asset value information including the asset value. For those of ordinary skill in the art to which the present invention pertains, reference to or modifying the drawings 2a and 2b to the stock mortgage securitized loan service Various implementation methods for estimating the asset value of the company applying for the 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.

2A and 2B, the financial institution server 100 receives the loan application information input through the terminal device connected to the communication network (200), checks the received loan application information, and applies the loan application information to the loan application information. After checking the included company information, the product information, the loan amount information (205), by searching the storage medium 155 associated with the financial company server 100 to confirm the existence of the company information (210), The validity of the loan application information is checked.

If the financial company server 100 searches for the storage information 155 associated with the financial company server 100 and confirms that the corporate information exists (215), the financial company server 100 checks the corporate information. The company stock status request information is generated and transmitted to the mechanical product code information service server 180 (230).

On the other hand, when the financial institution server 100 checks that the corporate information does not exist by searching the storage medium 155 associated with the financial institution server 100 (215), the financial institution server 100 is the corporate information To store the corporate information in the ledger D / B linked to the financial system (220), and establishes a corporate customer information and a new account of the corporate customer in the ledger D / B in connection with the financial system Next, in step 225, the company stock status request information including the company information is generated and transmitted to the mechanical product code information service server 180 (230).

Thereafter, the mechanical product code information service server 180 receives the corporate stock search request information, checks the product information corresponding to the corporate stock search request information in connection with the mechanical product code middleware 170 (235). In step 240, the mechanical product code middleware 170 requests aggregate inventory data request information corresponding to the product information.

Thereafter, the mechanical product code middleware 170 receives the aggregated inventory data request information, and among the mechanical product codes transmitted from the RFID reader, the mechanical product code middleware 170 receives the aggregated inventory data request information from the mechanical product codes corresponding to the aggregated inventory data request information. Selecting and collecting only the corresponding mechanical product code (245), converting the collected mechanical product code into aggregate inventory data (250), and converts the converted inventory data together with the product information to the mechanical product code information service The server 180 transmits the data to the server 180 (255).

Thereafter, the mechanical product code information service server 180 receives the product information and the aggregated inventory data to generate distribution inventory information based on the product information and the aggregated inventory data (260), and the financial company When the product information and the distribution inventory information are transmitted to the server 100 (265), the financial institution server 100 receives the product information and the distribution inventory information, and the predetermined market value corresponding to the product information. By receiving and confirming the information (270), the asset value is calculated using the product information, the distribution inventory information, and the market value information, and the asset value information including the calculated asset value is generated to generate the storage medium ( 155) (275), which concludes the process of estimating the asset value of a company applying for an asset-backed securitization loan service.

Figures 3a and 3b is a view showing a process of calculating the asset value of a company applying for an asset-backed security loan service according to another embodiment of the present invention.

More specifically, FIGS. 3A and 3B show predetermined loan application information from the company in order to calculate the asset value of the company that applied for the stock loan secured loan service in which the financial institution server 100 is shown in FIG. 1. Receives, check the company information and the loan amount information, and predetermined product information in connection with the mechanical product code middleware 170, the object name service server 175, and the mechanical product code information service server 180 And determining a predetermined distribution inventory information, calculating a predetermined asset value using the identified product information and the distribution inventory information, and generating and storing asset value information including the asset value. For those of ordinary skill in the art to which the present invention pertains, reference to or modifying the drawings 3a and 3b to the above-described inventory security loan service Various implementation methods for estimating the asset value of the company applying for the 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.

3A and 3B, the financial institution server 100 receives the loan application information input through the terminal device connected to the communication network (300), and checks the received loan application information to the loan application information. After checking the included company information, product information, loan amount information (305), and by searching the storage medium 155 associated with the financial institution server 100 to check the existence of the company information (310), The validity of the loan application information is checked.

If the financial company server 100 searches for the storage information 155 associated with the financial company server 100 and confirms that the corporate information exists (315), the financial company server 100 checks the corporate information. It generates the company stock status request information including, and transmits to the mechanical product code information service server 180 (330).

On the other hand, when the financial company server 100 searches for the storage medium 155 associated with the financial company server 100 and determines that the corporate information does not exist (315), the financial company server 100 is the corporate information. To store the corporate information in the ledger D / B associated with the financial system (320), and establish the corporate customer information and a new account of the corporate customer in the ledger D / B in connection with the financial system. Next, in step 325, the company stock status request information including the company information is generated and transmitted to the mechanical product code information service server 180 (330).

Thereafter, the mechanical product code information service server 180 receives the corporate stock search request information, checks the product information corresponding to the corporate stock search request information in connection with the mechanical product code middleware 170 (335). In step 340, the mechanical product code middleware 170 requests aggregate inventory data request information corresponding to the product information.

Thereafter, the mechanical product code middleware 170 receives the aggregated inventory data request information, and among the mechanical product codes transmitted from the RFID reader, the mechanical product code middleware 170 receives the aggregated inventory data request information from the mechanical product codes corresponding to the aggregated inventory data request information. Only the corresponding mechanical product code is collected and processed (345), and the collected mechanical product code is transmitted to the object name service server 175 (350).

Subsequently, the object name service server 175 receives the collected mechanical product code and converts the collected product data into aggregate inventory data corresponding to the product information (355), and converts the collected inventory data into the mechanical product code information service server 180. And transmit (360).

Thereafter, the mechanical product code information service server 180 receives the product information and the collected inventory data to generate distribution inventory information based on the product information and the collected inventory data (365) and the financial company. When the product information and the distribution inventory information are transmitted to the server 100 (370), the financial institution server 100 receives the product information and the distribution inventory information, and the predetermined market value corresponding to the product information. By receiving and confirming the information (375), the asset value is calculated using the product information, the distribution inventory information, and the market value information, and the asset value information including the calculated asset value is generated and the storage medium ( In step 155, the process of estimating the asset value of a company applying for an inventory security loan service is concluded.

Figures 4a and 4b is a view showing a process of confirming the inventory status information for each warehouse location of the company applying for the asset-backed security loan service according to an embodiment of the present invention.

In more detail, according to the present invention, Figures 4a and 4b according to the present invention, the financial company server 100 shown in Figure 1 is the warehouse information system 165, the mechanical commodity code information service server 180 and the By identifying the product information corresponding to the company information and the shipping position coordinate information corresponding to the product information in association with the mechanical product code middleware 170, by extracting and converting the mechanical product code including the shipping position coordinate information As a method for checking inventory status information for each warehouse location of a company applying for the asset-backed mortgage lending service, a person having ordinary knowledge in the field to which the present invention pertains refers to FIGS. 4A and 4B. Alternatively, it is possible to use various implementation methods to check the stock status information of the warehouse location of the company applying for the above-mentioned asset security loan service. Would be able, in the present invention includes all embodiments in which the inference method, but does not limited to the exemplary method shown in the figure 4a and 4b.

4A and 4B, the financial company server 100 compares the company information and the product information included in the loan application information with the product information corresponding to the company information from the storage medium (400). Information and product information will be checked for validity.

If the product information included in the loan application information of the company is compared with the product information stored in the storage medium, and the validity is not confirmed, the financial institution server 100 generates an error message and generates an enterprise information system 185. By transmitting (425), the process of checking the inventory status information for each warehouse location of the company applying for the asset-backed mortgage lending service is terminated.

On the other hand, when the product information included in the loan application information of the company and the product information stored in the storage medium is compared, and the validity is confirmed, the financial company server 100 includes the company information and the product information including the shipment The location request information is generated and transmitted to the warehouse information system 165 (405).

Thereafter, the warehouse information system 165 receives the shipping location request information and checks the company information and the product information included in the shipping location request information (410), and the validity of the company information and the product information. It is checked whether or not (415).

If the validity of the company information and the product information is not confirmed in the warehouse information system 165 (420), the warehouse information system 165 generates an error message and transmits the error message to the financial company server 100. As a result (425), the process of confirming the stock status information for each warehouse location of the company applying for the asset-backed security loan service is terminated.

On the other hand, when the validity of the company information and the product information in the warehouse information system 165 is confirmed (420), the warehouse information system 165 is a predetermined shipment corresponding to the company information and the product information The location coordinate information and the distribution inventory information corresponding to the product information are checked (430), and the confirmed shipment location coordinate information and the distribution inventory information are transmitted to the financial company server 100 (435).

Thereafter, the financial company server 100 receives and confirms the shipment position coordinate information and the distribution stock information, and stores the distribution stock information in a storage medium 155 associated with the financial company server 100 (440). The inventory status request information including the shipping position coordinate information is transmitted to the mechanical product code information service server 180 (445).

Thereafter, the mechanical product code information service server 180 receives the inventory status request information, checks the shipment location coordinate information corresponding to the inventory status request information (450), and goes to the mechanical product code middleware 170. Transmission request information of the mechanical product code including the shipping position coordinate information is transmitted (455).

Thereafter, the mechanical product code middleware 170 receives the mechanical product code sending request information, checks the shipment position coordinate information included in the mechanical award code sending request information (460), and the mechanical product sent from the RFID tag reader. By checking the code, it is checked whether the shipment position coordinate value is corresponded (465).

If the mechanical product code middleware 170 determines that the coordinate value corresponding to the shipping position coordinate value does not exist (470), the mechanical product code middleware 170 receives the mechanical product code from the RFID tag reader. It is checked whether the sending time for sending the information exceeds the preset time.

If the mechanical product code middleware 170 confirms that the transmission time does not exceed a specified time (475), the mechanical product code middleware 170 checks the mechanical product code transmitted from the RFID tag reader The process of checking the correspondence with respect to the shipping position coordinate value is repeated (465).

On the other hand, when the mechanical product code middleware 170 confirms that the delivery time exceeds a specified time (475), the mechanical product code middleware 170 generates predetermined transmission error information to generate the product code information service server. In step 480, the commodity code information service server checks the error information and generates a transmission error message corresponding to the error information, and transmits the financial institution server 100 (485) to apply for the stock asset security loan service. The process of checking inventory status information for each warehouse location is concluded.

If the mechanical product code middleware 170 determines that a coordinate value corresponding to the shipping position coordinate value exists (470), the mechanical product code middleware 170 is a coordinate value corresponding to the shipping position coordinate value Collecting and converting a mechanical commodity code including a to generate aggregate inventory data (490), and transmits the generated aggregate inventory data to the mechanical commodity code information service server (180) (492).

Thereafter, the mechanical commodity code information service server 180 receives and processes inventory information and the aggregated inventory data to generate inventory status information for each shipment location (495), and generates the inventory status information for each shipment location at the financial company. When transmitting to the server 100 (497), the financial institution server 100 receives the inventory status information for each shipping location and stores it in the storage medium 155 associated with the financial institution server 100 (499), The process of checking the inventory status information of each warehouse location of a company applying for a securitization loan service is concluded.

Figures 5a and 5b is a view showing a process of confirming the inventory status information for each warehouse location of the company applying for an asset-backed security loan service according to another embodiment of the present invention.

In more detail, according to the present invention, Figures 5a and 5b according to the present invention, the financial company server 100 shown in Figure 1 is the warehouse information system 165, the mechanical commodity code information service server 180 and the By identifying the product information corresponding to the company information and the shipping position coordinate information corresponding to the product information in association with the mechanical product code middleware 170, by extracting and converting the mechanical product code including the shipping position coordinate information As a method for confirming inventory status information for each warehouse location of a company applying for the asset-backed mortgage lending service, a person having ordinary knowledge in the field to which the present invention pertains may refer to the drawings 5a and 5b. Or infers various implementation methods to check the inventory status information of each warehouse location of the company that applied for the asset-backed security loan service As will be appreciated, the present invention includes all implementation methods inferred from the above, and is not limited to the implementation methods shown in FIGS. 5A and 5B.

5A and 5B, the financial company server 100 compares the company information and product information included in the loan application information with product information corresponding to company information from the storage medium (500). Information and product information will be checked for validity.

If the product information included in the loan application information of the company is compared with the product information stored in the storage medium, and the validity is not confirmed, the financial institution server 100 generates an error message and generates an enterprise information system 185. By transmitting (525), the process of checking the inventory status information for each warehouse location of the company applying for the asset-backed mortgage lending service is terminated.

On the other hand, when the product information included in the loan application information of the company and the product information stored in the storage medium is compared, and the validity is confirmed, the financial company server 100 includes the company information and the product information including the shipment The location request information is generated and transmitted to the warehouse information system 165 (505).

Thereafter, the warehouse information system 165 receives the shipping location request information and checks the company information and the product information included in the shipping location request information (510), and whether the company information and the product information are valid or not. It is confirmed (515).

If the validity of the company information and the product information is not confirmed in the warehouse information system 165 (520), the warehouse information system 165 generates an error message and transmits the error message to the financial company server 100. As a result (525), the process of confirming the stock status information for each warehouse location of the company applying for the asset-backed security loan service is terminated.

On the other hand, when the validity of the company information and the product information in the warehouse information system 165 is confirmed (520), the warehouse information system 165 is a predetermined shipment corresponding to the company information and the product information The position coordinate information and the distribution inventory information corresponding to the product information are checked (530), and the identified shipping position coordinate information and the distribution inventory information are transmitted to the financial company server 100 (535).

Thereafter, the financial company server 100 receives and confirms the shipment position coordinate information and the distribution stock information, and stores the distribution stock information in a storage medium 155 associated with the financial company server 100 (540). The inventory status request information including the shipment location coordinate information is transmitted to the mechanical product code information service server 180 (545).

Thereafter, the mechanical product code information service server 180 receives the inventory status request information, checks the shipment position coordinate information corresponding to the inventory status request information (550), and sends the mechanical product code middleware 170 to the mechanical product code middleware 170. Transmission request information of the mechanical product code including the shipping position coordinate information is transmitted (555).

Thereafter, the mechanical product code middleware 170 receives the mechanical product code sending request information, checks the shipment position coordinate information included in the mechanical award code sending request information (560), and the mechanical product sent from the RFID tag reader. The code is checked to determine whether or not it corresponds to the shipment position coordinate value (565).

If the mechanical product code middleware 170 determines that there is no coordinate value corresponding to the shipping position coordinate value (570), the mechanical product code middleware 170 is the mechanical product code from the RFID tag reader It is checked whether the sending time for sending the information exceeds the preset time.

If the mechanical product code middleware 170 confirms that the transmission time does not exceed a specified time (575), the mechanical product code middleware 170 checks the mechanical product code sent from the RFID tag reader The process of checking whether or not the shipping position coordinate value is corresponded (565) is repeated.

On the other hand, when the mechanical product code middleware 170 confirms that the transmission time exceeds a specified time (575), the mechanical product code middleware 170 generates a predetermined transmission error information to the product code information service server In step 580, the commodity code information service server checks the error information and generates a transmission error message corresponding to the error information and transmits the financial institution server 100 (585) to apply for the stock asset securitization loan service. The process of checking inventory status information for each warehouse location is concluded.

If the mechanical product code middleware 170 determines that a coordinate value corresponding to the shipping position coordinate value exists (570), the mechanical product code middleware 170 collects the mechanical product code and collects the mechanical product code. When the mechanical product code is transmitted to the object name service server 175 (590), the object name service server 175 receives the collected mechanical product code and converts it into aggregated inventory data corresponding to the inventory information; In step 592, the mechanical product code information service server 180 transmits the product information and aggregated inventory data (594).

Thereafter, the mechanical commodity code information service server 180 receives and processes product information and the collected inventory data to generate inventory status information for a predetermined shipping location (596), and generates the inventory status information for each shipment location of the financial company. When transmitting to the server 100 (598), the financial institution server 100 receives the inventory status information for each shipping location and stores in the storage medium 155 associated with the financial institution server 100 (599), The process of checking the inventory status information of each warehouse location of a company applying for a securitization loan service is concluded.

FIG. 6 is a diagram illustrating a process of approving a loan application of a company applying for an asset-liquid securitized loan service according to an embodiment of the present invention and setting the inventory of the company as a collateral.

In more detail, according to the present invention, FIG. 6 illustrates the loan limit amount corresponding to the asset value information by the financial institution server 100 shown in FIG. By comparing the loan amount information included in the loan application information of the applied company and judging whether the loan is approved, the loan application of the company is approved and the collateral setting information on the stock assets of the company that is provided with the loan service is determined. The present invention relates to a method for processing collateral set-up by generating and transmitting the information to the warehouse information system 165 and the enterprise information system 185. If a person having ordinary knowledge in the field of the present invention belongs to this figure 6 Approving the loan application of the company applying for the above-mentioned asset-backed mortgage lending service by referring to or modifying it, and secured the inventory of the company Would be able to infer a variety of exemplary methods for setting, the present invention includes all embodiments in which the inference method, but does not limited to the exemplary method shown in the figure 6.

Referring to FIG. 6, the financial institution server 100 confirms loan amount information included in the loan application information of the company (600), and corresponds to the loan amount corresponding to the loan amount information and the asset value information. Comparing the loan limit amount to determine whether to provide the inventory security loans securitized loan service (605).

If the loan amount exceeds the loan limit amount (610), the financial institution server (100) generates the inventory asset-liquid securitization loan service unavailable message and transmits it to the employee terminal (615). Approving the loan application of the company applying for the asset-backed securitized loan service, and concludes the method of setting the inventory of the company as collateral.

On the other hand, if the loan amount does not exceed the loan limit amount (610), the predetermined collateral setting information is generated in association with the product information corresponding to the asset value information, and stored in association with the financial company server 100 After storing (620) the medium 155, the generated collateral setting information is transmitted to the company information system 185 and the warehouse information system 165 (625).

Thereafter, the enterprise information system 185 receives the collateral setting information and stores the product information in a predetermined inventory management D / B associated with the enterprise information system 185 in association with the product information (630). The system 165 receives the collateral setting information and stores it in association with the product information in a predetermined logistics management D / B associated with the logistics management information system (635).

Subsequently, the financial institution server 100 transfers the loan corresponding to the loan amount information to the account corresponding to the corporate information in connection with the financial system (640), and secures the inventory to the corporate information system (185). When the loan approval message for the securitized loan service is generated and transmitted to the employee terminal (645), the enterprise information system 185 receives the inventory asset secured loan approval message and checks the deposit amount of the asset security secured loan. As a result (650), the method of approving the loan application of the company applying for the asset-backed security loan service and ending the method of setting the inventory of the company as collateral.

7A and 7B illustrate a process in which a financial institution server 100 processes a request and approval for a product release of a company using an inventory secured loan service according to an embodiment of the present invention.

In more detail, Figures 7a and 7b, the financial company server 100 shown in Figure 1 confirms the validity by checking the shipment request information sent from the corporate information system 185, and then the shipment request information This method relates to a method of transferring the approval information corresponding to the information to the company information system 185 and the warehouse information system 165. If one having ordinary knowledge in the field of the present invention belongs to this figure 7a And 7b may be inferred from various implementation methods for the financial institution server 100 to process requests and approvals for product releases of companies that use the asset-backed securitized loan service, but the present invention is inferred from the above. It includes all implementation methods, and is not limited to the implementation methods shown in FIGS. 7A and 7B.

7A and 7B, when the enterprise information system 185 transmits predetermined release request information to the warehouse information system 165 and the financial company server 100 (700), the warehouse information system 165 receives and confirms the shipment request information and transmits the shipment approval request information including the product information for the shipment to the financial company server 100 (705), and the financial company server 100 transmits the shipping request information and the shipment request information. By receiving the release approval request information, it is possible to check the release target product information included in the release approval request information (710).

Thereafter, the financial company server 100 checks whether or not the matching target product information and the product information stored in the storage medium 155 of the financial company server 100 confirms the validity of the release approval request information; 715) If the product information of the shipment target and the product information do not match (720), the financial institution server 100 generates error information and transmits the error information to the warehouse information system 165 (725). The warehouse information system 165 receives the error information and transmits a shipment request error message corresponding to the error information to the company information system 185 (730), so that the financial company server 100 has inventory assets. This concludes the process of handling requests and approvals for product releases by companies using mortgage lending services.

On the other hand, if the product information to be shipped and the product information is matched (720), the financial institution server 100 generates and stores the product approval information corresponding to the product information to be shipped (735), the release approval When information is transmitted to the warehouse information system 165 and the company information system 185 (740), the warehouse information system 165 receives and confirms the release approval information to the company information system 185. Checking the information of the delivery site, the name of the company name, the date of delivery, etc. included in the delivery request information transmitted from (745), by generating the release process and predetermined delivery processing data of the product corresponding to the release request information and the customer information The system 190, the corporate information system 185, and the financial institution server 100 are transmitted (750).

Then, the customer information system 190 receives the delivery processing data and checks whether or not matching with product information associated with the product delivered through a predetermined distribution network (755), if the delivery processing data and the product If the information does not match (760), the customer information system 190 generates the error information and transmits it to the warehouse information system 165 (765), the warehouse information system 165 the error information Receiving and receiving the delivery request error message corresponding to the error information to the company information system 185 (770), the financial company server 100 for the product release of the company using the asset-backed security loan service This concludes the process of processing the request and approval.

On the other hand, if the delivery process data and the product information is matched (760), the customer information system 190 checks the company information to the transfer process and product purchase process for the product purchase price to the account of the company The corresponding product purchase invoice information is generated and transmitted to the company information system 185 (775), and the company information system 185 confirms whether or not the purchase price is deposited through the account of the company and the product purchase invoice information. Receiving and storing in the storage medium 155 (780), the enterprise information system 185 will process the loan repayment transfer for the repayment of the loan to the financial company account provided with the stock asset security liquidation loan service (785) .

Thereafter, the financial system checks the product information corresponding to the loan repayment deposit history and the company information to the financial company account in connection with the financial company server 100 (790), and the financial company server 100 checks the product information and the After deleting the collateral setting information associated with the product information, if the loan debt commitment cancellation information is generated and transmitted to the enterprise information system 185 (795), the enterprise information system 185 sends the loan commitment agreement termination message. By receiving and confirming and storing it in a predetermined inventory D / B (799), the financial institution server 100 terminates the process of processing a request and approval for the product release of a company using the asset-backed security loan service. .

8A and 8B illustrate a process in which the financial institution server 100 processes a request and approval for a product release of a company using an inventory security loan service according to an exemplary embodiment of the present invention.

In more detail, in Figures 8a and 8b, the financial company server 100 shown in Figure 1 confirms the validity by checking the shipment request information transmitted from the corporate information system 185, and then the shipment request information This method relates to a method of transferring the approval information corresponding to the information to the company information system 185 and the warehouse information system 165. If one having ordinary knowledge in the field of the present invention belongs to this figure 8a And 8b to infer various implementation methods for the financial company server 100 to process the request and approval for the product release of the company using the asset-backed security loan service, but the present invention is inferred It includes all implementation methods, and is not limited to the implementation methods shown in FIGS. 8A and 8B.

8A and 8B, when the enterprise information system 185 transmits predetermined release request information to the warehouse information system 165 and the financial company server 100 (800), the warehouse information system 165 receives and confirms the shipment request information and transmits the shipment approval request information including the product information to be shipped to the financial company server 100 (805), and the financial company server 100 transmits the shipping request information and the shipment request information. By receiving the release approval request information, it is possible to check the release target product information included in the release approval request information (810).

Thereafter, the financial institution server 100 checks whether the product information stored in the storage target product 155 of the financial company server 100 matches with the product information stored in the storage medium 155, and confirms the validity of the factory approval request information; 815) If the product information of the shipment target and the product information do not match (820), the financial institution server 100 generates error information and transmits the error information to the warehouse information system 165 (825). The warehouse information system 165 receives the error information and transmits a shipment request error message corresponding to the error information to the company information system 185 (830). This concludes the process of handling requests and approvals for product releases by companies using mortgage lending services.

On the other hand, if the product information to be shipped and the product information is matched (820), the financial institution server 100 generates and stores the product approval information corresponding to the product information to be shipped (835), the release approval When information is transmitted to the warehouse information system 165 and the company information system 185 (840), the warehouse information system 165 receives and confirms the release approval information to the company information system 185. In step 845, information on a shipping place, a company name, a shipping date, and the like included in the shipping request information transmitted from the warehouse information is generated, and a shipping process and a predetermined delivery processing data of a product corresponding to the shipping request information are generated to generate the sales information. The system 190, the corporate information system 185, and the financial institution server 100 are transmitted (850).

Thereafter, the customer information system 190 receives the delivery processing data and checks whether the delivery information is matched with the product information associated with the product delivered through a predetermined distribution network (855). If the product information does not match (860), the customer information system 190 generates the error information and transmits it to the warehouse information system 165 (865), the warehouse information system 165 is the error By receiving the information and sending the issue request error message corresponding to the error information to the enterprise information system 185 (870), the financial company server 100 to the product release of the company using the asset-backed security loan service This concludes the process of handling requests and approvals.

On the other hand, if the delivery process data and the product information is matched (860), the customer information system 190 checks the company information to generate predetermined product receipt information corresponding to the product delivery process, and then the company And transmits to the information system 185 (875), and the enterprise information system 185 receives and confirms the product receipt information and stores the received information in a predetermined D / B associated with the enterprise information system 185 (880). In operation 885, the client information system 190 calculates the product cost from the sales resulting from the sales of the paid product and transfers the product purchase price to the company's account.

Thereafter, the corporate information system 185 confirms whether or not the payment of the purchase price according to the sales occurred through the account of the company (890), and performs the repayment of the loan to the financial company account provided with the secured mortgage lending service. Loan repayment transfers will be processed (892).

Thereafter, the financial system checks the product information corresponding to the loan repayment deposit history and the company information to the financial company account in association with the financial company server 100 (895), and the financial company server 100 checks the product information and the After deleting the collateral setting information associated with the product information, if the loan debt commitment cancellation information is generated and transmitted to the company information system 185 (897), the company information system 185 sends the loan debt commitment cancellation message. By receiving and confirming and storing it in a predetermined inventory D / B (899), the financial institution server 100 terminates the process of processing the request and approval for the product release of the company using the asset-backed security loan service. .

Figure 9 is to calculate the value of the company inventory asset with the RFID tag using a predetermined RFID system for a company applying for a loan in accordance with the implementation method of the present invention, and set as collateral, to provide a loan service This figure shows the composition of the inventory security secured loan processing system.

In more detail, Figure 9 shows that a predetermined corporate customer has a predetermined information registration interface through a predetermined information registration interface for a secured loan of an asset secured by a company having a predetermined RFID system. And providing loan application information including at least one loan amount information, the inventory security secured loan processing system provides product information (or real-time product information) corresponding to the company information included in the provided loan application information. Check the property value, generate the asset value information including the calculated property value based on the identified product information, check the property value information, and inventory (or inventory) corresponding to the property value information. The present invention relates to a system configuration for providing a loan service to the enterprise by setting an asset as collateral, and the present invention. Those skilled in the art may refer to or modify this drawing 9 to infer various implementation methods for the construction of an inventory security securitization loan processing system for processing inventory security loans of a company in which an RFID system is constructed. It should be noted that the present invention includes the above-described inferred implementation method, and is not limited to the implementation method shown in FIG.

Hereinafter, at least one means or function configuration for storing the loan application information provided from the corporate customer through the predetermined information registration interface on the storage medium 950 on the inventory security secured loan processing system shown in FIG. For convenience, the component corresponding to the financial company server 900 is referred to, and the "mechanical product code middleware 965" used in the configuration of the present invention will be known as "middleware" can be used interchangeably.

Referring to FIG. 9 in accordance with an embodiment of the present invention, the system for managing an asset securitization loan for a securitization loan of an asset in which the RFID system is constructed may include at least one terminal device provided at at least one financial institution branch. In the process of signing a supply contract with a predetermined supplier, the company applies for a securitized loan service to provide a securitized loan service (eg, loans), and pays for the production of the supplier's product and sales from the product release (ie Signed a contract with a company information system (985) that handles repayment of loans with a purchase price paid to the company by a given customer, and an original equipment manufacturer (OEM) supply contract with the company to produce the company's products. A source information system 955 for attaching and supplying RFID tags in the production process, and a distribution network from the source. The warehouse that receives and processes the goods transported through the product, classifies by the company of the product received and processed, requests the approval of a predetermined financial company for the product for which the management and the stock asset security are set, and issues the goods according to the financial company's approval. Information system 960, a mechanical product code service middleware that converts RFID tag information into a mechanical product code from an RFID tag attached to a product, or mechanically converts the mechanical product code converted from RFID tag information into product information; The RFID tag is connected to the object name service server 970 and the object name service server 970 for converting the mechanical product code received through the RFID tag reader into information decodable by the financial institution server 900. A mechanical product code information service server 975 for generating distribution inventory information of attached products and the RFID system are constructed. The asset value of the company is calculated by using the financial system that provides the ledger information for the processing of the securitized loans for the securitized company, and the product information and the distribution inventory information of the company on which the RFID system is established. Inventory security collateralized loans are received by generating the inventory analysis system 980 (or inventory asset analysis means) to generate, and information necessary for processing the collateral loans of the companies in which the RFID system is constructed from the above-mentioned servers and middleware. The financial company server 900 which processes the product and stores the product (or product packaging unit) from the warehouse, pays the purchase price for the product, or calculates the cost of the product from the sales according to the product sales of the account of the company. Including a bank account information, or payment to a predetermined financial company account, including the account information system 990, Characterized in that where the lure.

For reference, the terminal device is preferably connected to the communication channel and the financial company server 900 provided on the inventory security secured loan processing system through a predetermined communication network (for example, financial common network).

According to the embodiment of the present invention, the RFID tag attached to the product produced by the supplier who has signed a supply contract with the company applying for the asset-backed security loan, characterized in that the mechanical product code is stored.

In addition, the mechanical product code (EPC) stored in the RFID tag or all the information stored in the RFID tag is characterized in that it has a unique identification number designed to uniquely identify every single product.

According to an embodiment of the present invention, the corporate information may include the company-related information (for example, a business name, a business registration number, an address, a phone number, a fax number, etc.) and member information of the corporate customer (for example, the corporate customer). In the case of subscribing as a financial transaction corporate customer of the financial institution, the member ID information or CIF (Customer) is provided to the corporate customer ledger provided on the financial system linked to the inventory security secured loan processing system in response to the corporate customer. Information file) and at least one corporate asset information (for example, information on corporate assets, liabilities, ratios of capital and inventory turnover).

According to an embodiment of the present invention, the product information may include a unique serial number (SN) assigned to the product when a predetermined product included in an asset of the enterprise produced through the supplier is produced as a finished product. , Product weight (Net.), Product unit (for example, EA), and product cost (or product manufacturing cost) and the like.

For example, the product information is preferably generated in the supplier information system 955 and stored in an RFID tag attached to the inventory (or inventory packaging unit).

In addition, the product information is preferably converted into a mechanical product code stored in the RFID tag attached to each product packaging unit in the process of packaging the product.

The distribution inventory information according to the method of the present invention is characterized in that it contains information such as product number, quantity and shipping location, shipping place, owner, etc. of the product (that is, finished product) produced through the supplier.

According to the method of the present invention, the distribution inventory information is used as information generated and stored for the management of the inventory until the product is produced, shipped to the warehouse, and before being shipped.

For reference, in the release process for the inventory in accordance with the present invention, the delivery authentication information transmitted from the financial company server 900 is included in the distribution inventory information, the company information system 985 and the financial company server 900 Is preferably transmitted.

The asset value information according to the method of the present invention is characterized by including the asset value calculated corresponding to the stock, using the product information and the distribution inventory information as basic information.

For example, the asset value information may be generated through the inventory analysis system 980 when the company applies for the securitized loan for securitization through the loan application information. The asset value information may be generated by the financial company. By transmitting to the server 900 is preferably applied as a criterion for determining whether to allow the loan service corresponding to the loan application information.

The loan application information according to the implementation method of the present invention is the company information of the company applying for the asset-backed mortgage lending service, the product information of the product that the company intends to present as collateral, and the company to be provided as a loan service It is preferably configured to include the loan amount information.

In addition, the asset value information has been described as being generated through the inventory analysis system 980, but according to another embodiment of the present invention, the asset value information is a predetermined function constituting the financial company server 900 An asset value may be calculated by a component (or predetermined function components), and asset value information including the calculated asset value may be generated.

The enterprise information system 985 may enter into a supply contract with the supplier and process a basic product distribution plan regarding ordering, distribution warehouse, and release of a product belonging to an asset owned by the enterprise, and the product distribution plan By applying the loan application information to a predetermined financial company that operates the financial company server 900 and the financial system to process the stock asset secured loan service is characterized in that it is provided with a liquidation loan service (eg, loans) .

In more detail, the enterprise information system 985 enters into a supply contract with the supply source, enters into a transaction contract with the customer, and then provides the financial company with loan application information for receiving an asset security loan service. When the loan is confirmed through the loan examination of the financial company, the loan service is provided from the financial company, and the product production price is transferred to the supplier, and the account information system 990 transfers the product in response to the receipt of the product. When the purchase price is paid to the account of the company, it is characterized in that the repayment of the loan using the purchase price.

For example, according to another exemplary embodiment of the present invention, the enterprise information system 985 provides the stock asset security securitized loan service for the purchase price processed by the customer information system 990 in response to receipt of the product. Receiving the remaining amount except the amount corresponding to repayment of the loan to the account of the financial institution may be paid to the account of the company.

In addition, the enterprise system according to the embodiment of the present invention, by sending the delivery request information for the product to the warehouse information system 960 or the financial company server 900 in accordance with the product delivery time contracted with the customer In addition, the financial company server (900) is that the release approval information according to the release request information is sent to the company information system 985 and the warehouse information system 960 so that the release and delivery of the product is processed. desirable.

For reference, the release request information is characterized in that it is configured to include information such as the delivery quantity, the delivery destination, the delivery date and the like in connection with the company information and the product information.

The supplier information system 955 may produce a product having a supply contract (for example, an original equipment manufacturer (OEM)) with the company, and store the finished product in the inventory (or product packaging unit) in the process of packaging and shipping the finished product. It is characterized by managing the process of attaching the RFID tag that stores the product information to transport to the warehouse, and receives the price corresponding to the product production ordered by the enterprise information system 985 to a predetermined supply source account .

In more detail, the supplier information system 955 concludes a supply contract for a specific product size (Lot size) and the company's products are produced in a make-to-order (MTS), or MTO (MTO); Make To Stock), or Assemble To Order (ATO) or Engineering To Order (ETO), and attach RFID tags during the production process to deliver the product (or product packaging unit) to the logistics. Characterized in that the delivery to the warehouse.

The warehouse information system 960 receives and processes a product (or a product packaging unit, for example, a container) delivered through a distribution network by attaching RFID at the supply source to a shipping location assigned to a company that has a supply contract with the supply source. When the release request is received from the company, the release approval information transmitted from the financial company server 900 is checked, and the release processing is performed on the product to a designated sales destination.

In more detail, the warehouse information system 960, a predetermined RFID tag reader to check the mechanical product code from the RFID tag of the stock loaded in the warehouse, and then sent to the mechanical product code middleware 965 by wireless method In conjunction with the object name service server 970 and the mechanical product code information service server 975 to generate predetermined product information and distribution inventory information for the inventory, the generated inventory asset analysis system 980 ) Preferably generates predetermined asset value information based on the product information and the distribution inventory information.

In addition, according to an embodiment of the present invention, when a predetermined financial company determines the value of the assets included in the asset value information to determine the loan service provided to the company, the collateral generated by the financial company server 900 is set The warehouse information system 960 confirming the information may store the collateral setting information in a predetermined D / B in association with the product information.

In addition, according to another embodiment of the present invention, when a predetermined financial company determines the loan service provided to the company by evaluating the asset value included in the asset value information, collateral generated by the financial company server 900 The warehouse information system 960 confirming the setting information may store the collateral setting information in the RFID tag of the stock corresponding to the collateral setting information.

In addition, according to another embodiment of the present invention, when a predetermined financial company determines the loan service provided to the company by evaluating the asset value included in the asset value information, generated by the financial company server 900 The warehouse information system 960 confirming the collateral setting information may additionally attach an RFID tag including the collateral setting information to the inventory (or inventory packing unit) corresponding to the collateral setting information.

For reference, according to the present invention, the warehouse information system 960 is characterized in that the storage location coordinate information allocated to each company that has signed a supply contract with the supplier information system 955, characterized in that for storing in the D / B.

For example, the shipping position coordinate information is transmitted to the financial company server 900 so that the financial company server 900 can grasp the status of goods according to the location of the warehouse in real time, or the financial company corresponding to the shipping request of the company. According to the factory certification of the server 900, characterized in that it is possible to confirm the shipment status of the stock of the company.

The RFID tag reader is an apparatus for reading an EPC (EPC) code from an RFID tag attached to the product (or product packaging unit) stored in the warehouse and configured as an antenna and a control device. The control device controls encoding, decoding and data checking and storage, and communication with tags and hosts.

The mechanical product code service middleware is characterized by converting the RFID tag information into a mechanical product code from an RFID tag attached to a product, or by converting the mechanical product code converted from the RFID tag information into product information.

In more detail, the mechanical product code service middleware is an open structure device that enables data exchange between the RFID tag reader and the enterprise information system 985. The mechanical product code service middleware monitors a read situation of a real-time RFID tag and sends an alert message to Managing the real-time RFID tag reading information to be transmitted to the mechanical product code information service server 975 or other servers and systems to provide or make available to the financial institution server 900, and to manage the integration and control of various facilities. It features.

For reference, according to an embodiment of the present invention, the mechanical product code service middleware is an open structure device that enables data exchange between the RFID tag reader and the enterprise information system 985, and monitors the real-time reading state of the RFID tag. And send a warning message to manage the real-time RFID tag reading information to be sent to the mechanical product code information service server 975 or other servers and systems, and also to manage the integration and control of various facilities, and to read the RFID tag in real time. Mechanical product code, which is information, is processed internally without interworking with the object naming service server to provide the converted product information to the financial company server 900, or the financial company server 900 can be connected and confirmed. .

The object naming service server converts the mechanical product code received through the RFID tag reader into information that can be read by the financial institution server 900.

In more detail, the object naming service (ONS) server acts as a library of mechanical product codes in connection with the mechanical product code information service server, and converts the mechanical product codes into logical addresses (URLs) on the Internet. Finding an Internet Protocol (IP) address using the logical address, and confirming detailed information about the product.

The mechanical product code information service server 975, in connection with the object name service server 970 by an external (eg, financial company server 900) request, the object name service server 970 is converted from the RFID tag Collecting one piece of product information, and generates and provides distribution inventory information that can be understood by a predetermined terminal device.

In more detail, the electronic product code information service (EPCIS) server manages product information identified from the object naming service server, and when there is a request for providing information from the financial institution server 900, the product. The information is collected and displayed in a physical markup language (PML), for example, a product description method developed to be understood by both a person and a predetermined terminal device, and the financial company server 900 or the inventory analysis system 980. By providing a function that can respond to high-level questions similar to the language delivered from), the distribution inventory information is generated by identifying the unit of inventory, the location of the inventory, and the movement route based on the product information. The distribution inventory information is provided to the inventory analysis system 980 or the financial company server 900. do.

The inventory analysis system 980 is a financial system that provides ledger information for the processing of the stock security mortgage loan of the company in which the RFID system is constructed, and product information and distribution inventory information of the company in which the RFID system is established. It is used to calculate the asset value of the enterprise, characterized in that for generating asset value information.

In more detail, the inventory analysis system 980 checks predetermined corporate information transmitted from the financial institution server 900 in connection with the financial institution server 900, and the mechanical product code middleware 965 or the object. The asset value corresponding to the stock asset of the company that provided the loan application information using the product information generated by the naming service server 970 and the distribution inventory information generated by the mechanical product code information service server 975. And calculating and generating asset value information including the asset value and transmitting the generated asset value information to the financial institution server 900.

For reference, the configuration of FIG. 9 describes the inventory analysis system 980 separately from the financial institution server 900. However, the inventory analysis system 980 includes one or more functional components. Or, it may be composed of a separate server associated with the financial institution server 900, it may be configured as an integrated server or system including the financial institution server 900, the person having ordinary skill in the art If so, it will be familiar with the technical details of the financial system, the detailed description thereof will be omitted for convenience, by which the present invention is not limited.

The financial system may be connected to at least one window terminal provided at a branch (or branch) of the financial institution through a predetermined communication network (for example, a financial common network or a branch network).

In addition, it is preferable that the financial system provides a ledger management and computer processing function for face-to-face financial transaction processing in connection with the counter terminal for the loan of the asset security secured by the RFID system.

In more detail, the financial system opens at least one financial account to at least one financial transaction customer and provides at least one financial transaction service based on the financial account to a financial institution (or a branch of the financial institution). The computer system is provided with an accounting system that handles a window service, such as a credit, a receiving, or a trust, or a foreign exchange occurring at at least one branch (or window), the processing of the main business, branch office information support, and customer information management. Mutual speed between the information system and the financial system and at least one other financial system (or payment system), and at least one non-face-to-face financial transaction means (e.g., internet banking, wireless banking, IC chip based wireless banking, tele banking, TV banking, etc.) It is characterized in that it comprises an external system that provides a variety of financial transaction interface through the network access or at least one common network (eg CD common network, financial common network), and the financial system comprises Interface module corresponding to the middle ware platform that provides interfacing, and predetermined information (for example, ledger information or customer information, management information, etc.) required for performing each function in the components of the financial system. It is characterized in that it comprises a DBMS (Database Management System) comprising at least one or more databases for storing and managing.

The customer information system 990 stores a product (or a product packaging unit) from the warehouse, pays a purchase price for the product, or transfers the product cost from the sales according to the product sales to the account of the company. It is characterized in that the deposit or payment to a predetermined financial company account.

In more detail, the customer information system 990 purchases a product of the company which has been contracted in advance and arranges it in a store (or a whole or a part of a store), and at the same time transfers the purchase price for the product to the account of the company. Characterized in that the transfer process.

For reference, according to an exemplary embodiment of the present invention, the customer information system 990 may directly transfer the purchase price of the product to the account of the financial company provided with the loan service instead of the account of the company. have.

In addition, according to an embodiment of the present invention, the customer information system 990 does not collectively pay the purchase price of the product on the day of delivery of the product or in the adjacent period, and the sales information generated by the customer after the delivery to the customer is received. It may be transferred directly to the account of the financial company or directly to the account of the company in the name of the cost of the product based on the product.

The financial company server 900 may receive information necessary for the processing of the stock mortgage loan of the company in which the RFID system is constructed from each of the servers and the middleware mentioned above, and process the stock mortgage securitization loan.

In more detail, the financial company server 900 receives loan application information transmitted from a predetermined corporate customer, the company information included in the loan application information and the product information or the distribution inventory information corresponding to the company information; After confirming the asset value information associated with the product information or the distribution inventory information, and provides a predetermined loan service to the company is confirmed the loan approval through a predetermined loan processing screening process, and the inventory of the company provided the loan service After generating collateral setting information and providing it to the company information system 985 and the warehouse information system 960, or the supply source information system 955, when the release request information is sent from the company, the release request Receive the information to confirm the product information contained in the shipment request information, and to respond to the product information to be shipped Confirm the collateral setting information and the product information or the distribution inventory information to generate release approval information, and send the release approval information to the warehouse information system 960 and the enterprise information system 985 so that the product of the enterprise It is characterized in that the processing to be shipped to the factory.

For reference, according to an exemplary embodiment of the present invention, the financial company server 900 checks the product information or the distribution stock information, and a predetermined information configuration unit (or information configuration units) configured inside the financial company server 900. Through the asset information of the inventory corresponding to the product information or the distribution inventory information may be generated.

In addition, according to the implementation method of the present invention, the financial company server 900 can grasp the real-time status of the shipment target inventory shipped to the company-specific allocation location in the distribution warehouse through the RFID system (for example, real-time product information Or a predetermined system (eg, the inventory analysis system 980) that reflects the asset value calculated by calculating the asset value based on the identified distribution inventory information), the identified product information, or the distribution inventory information. Or through a predetermined server or a predetermined component (or components), and store the generated asset value information in a predetermined storage medium 950.

In addition, according to an exemplary embodiment of the present invention, the financial company server 900 receives the product purchase price directly transferred to the account of the financial company by the beneficiary information system 990 to transfer the product for the company. It is characterized in that the balance of the repayment of the loan payment for the securitized security loan provided to the transfer to the account associated with the enterprise information system (985).

In addition, according to another embodiment of the present invention, when the account information system 990 transfers the product purchase price for the product delivery of the company to the account associated with the company information system 985, the financial company server 900 is characterized by processing the repayment of loans made from the enterprise information system 985.

According to the exemplary embodiment of the present invention, when the terminal device illustrated in FIG. 9 is a teller terminal (or an employee terminal) connected to a predetermined financial network, the interface unit 905 is the communication network (for example, a financial network). 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 the communication terminal and the predetermined communication channel based on the protocol stack defined in It is preferable to provide.

Referring to FIG. 9, the financial institution server 900 connects a communication terminal with the financial institution server 900 through the interface unit 905 and then interworks with the interface unit 905. An interface providing unit 910 for generating (or extracting) a predetermined user interface for the terminal device to input (or select) and transmit predetermined loan application information and providing the terminal device to the terminal device; Predetermined loan application information inputted (or selected) from the terminal device through the user interface in association with the terminal device, the mechanical product code middleware 965, or the object name service server 970, or the mechanical product. Receive the product information or distribution inventory information of the enterprise customer transmitted from the code information service server 975, or the release request information and release approval request definition Information receiving unit (or information receiving means) 915 for receiving the back, company information, validity checking unit (or validity checking means) 920 for checking the validity of the product information, and the loan application information of the company. Check the included company information, and in conjunction with the mechanical product code middleware 965, the object name service server 970, or the mechanical product code information service server 975 to the product information and the product information Loan approval of the loan application information of the company through the process of judging whether the loan of the company by using the information confirmation unit 925 to confirm the corresponding distribution inventory information and asset value information, and the company's value calculation information And a loan processing unit (or loan processing unit) 935 for processing loan service provision, and generating collateral setting information on the stock assets of the company whose loan approval and loan processing are confirmed. Shipment approval processing unit for receiving the shipment request information from the enterprise information system (985) or the warehouse information system (965) to generate the factory approval information of the product corresponding to the warehouse request information ( Or an information storage unit (937) for storing the product approval, the product information, the distribution inventory information, the value asset information, and the like, on the storage medium 950 associated with the financial institution server 900. Information storage means 940, the collateral processing information generated by the security setting processing unit 930, and the release approval information through the communication network, the enterprise information system 985, the warehouse information system 960, And an information transmitter 945 for transmitting to the information system 990.

The interface providing unit 910 connects a communication channel with the financial institution server 900 through the interface unit 905 and then connects the interface unit 905 with the interface unit 905. And generating (or extracting) a predetermined user interface for inputting (or selecting) the loan application information and providing the same to the terminal device.

In more detail, the interface providing unit 910 connects the communication channel with the financial institution server 900 through the interface unit 905 and then corresponds to the functional configuration provided in the terminal device. Input or select loan application information to generate a predetermined user interface that can be transmitted to the financial institution server 900 through the communication network, or extract from a predetermined database (not shown), and interwork with the interface unit 905. And provide the generated (or extracted) user interface to the terminal device through the communication network.

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

The information receiving unit 915 may receive the loan application information input through the user interface at the terminal device, and the information checking unit 925 may check the company information and the loan amount information included in the loan application information. Receive the product information or distribution inventory information of the corporate customer generated and transmitted from the mechanical product code middleware 965, the object name service server 970, or the mechanical product code information service server 975 Alternatively, or from the company information system 985, or the warehouse information system 960 generated from the warehouse request information and the delivery approval request information, characterized in that for receiving.

According to the exemplary embodiment of the present invention, the product information and the distribution inventory information received by the information receiving unit 915 are confirmed by the information checking unit 925 and the loan processing unit 935 and the supply source on which the RFID system is constructed. And evaluating the collateral for processing the asset-backed security loan of the company that has contracted with the warehouse, that is, it is used for calculating the asset value of the company that has applied for the asset-backed security loan service.

The validity confirming unit 920 checks the validity of the company information and the product information.

In more detail, the validity confirming unit 920 is connected to the financial system, and duplicated storage of the company information included in the loan application information received by the information receiving unit 915 and the account of the company corresponding to the company information. And verifying the information, and checking the existence of the product information received from the information receiving unit 915 in connection with the mechanical product code information service server 975 to validate the company information and the product information. It is characterized by checking.

The information checking unit 925 checks the product information, distribution inventory information and asset value information corresponding to the product information.

In more detail, the information confirming unit 925 confirms the loan application information received by the information receiving unit 915, confirms the company information and the loan amount information included in the loan application information, and corresponds to the company information. It is characterized in that the product information and the distribution inventory information to confirm, and the asset value information corresponding to the product information.

For example, according to an embodiment of the present invention, the information checking unit 925 is connected to the mechanical product code middleware 965, or the object name service server 970 to retrieve the inventory search request information including the company information And generating and transmitting the inventory search request information to the mechanical product code middleware 965 or the object name service server 970 to confirm product information corresponding to the inventory search request information.

In addition, according to the embodiment of the present invention, in the process of confirming the distribution inventory information, the information confirmation unit 925 is the mechanical product code information service server 975 and the object name service server 970 and the In connection with the mechanical product code middleware 965, characterized in that the process of generating and confirming the distribution inventory information corresponding to the product information.

The loan processing unit 935 is characterized by processing the loan approval and loan service for the loan application information of the company through the process of screening whether the loan of the company using the value calculation information of the company.

In more detail, the loan processing unit 935 may include loan amount information included in the loan application information received and confirmed via the information receiving unit 915 and the information checking unit 925, and included in the loan application information. Approving the loan application information requested by the corporate customer by checking the asset value information corresponding to the enterprise information, setting a security loan limit for the asset value information, and comparing the loan amount with the loan limit amount; It is characterized by determining whether or not to provide a securitization loan service.

In addition, the loan processing unit 935 checks the loan amount information of the firm that has approved the processing and the service provision of the asset-backed security loan, and transfers the loan amount corresponding to the loan amount information to the account of the company It is characterized in that the processing to provide the inventory security liquidized loan service.

The collateral setting processing unit 930 may generate collateral setting information on the stock asset of the company whose loan approval and loan processing are confirmed.

In more detail, the security setting processing unit 930 is a distribution inventory corresponding to the asset value information of the company, targeting the company whose loan processing unit 935 is determined to provide and approve the inventory security liquidized loan service Characterized in that the collateral set-up information for setting the basis of mortgage in the information and distribution inventory.

The release approval processing unit receives the release request information from the enterprise information system 985 or the warehouse information system 960 and confirms collateral setting information corresponding to the product information, and then the product corresponding to the release request information. Characterized in that for generating the release approval information.

The information storage unit 940, the company information received and confirmed through the information receiving unit 915 and the information checking unit 925, the product information, the distribution inventory information, the release request information, The value calculation information generated by the value calculation processing unit, the loan amount information generated by the loan processing unit 935, the collateral setting information generated by the security setting processing unit 930, and the release approval processing unit The factory approval information is stored in a predetermined storage medium 950 associated with the financial company server 900.

The information transmission unit 945 corresponds to the collateral setting information generated by the collateral setting processing unit 930 and the shipment request information generated by the company information system 985 or the warehouse information system 960. The factory approval information generated by the factory approval processing unit 937 is transmitted to the company information system 985, the warehouse information system 960, and the customer information system 990 through the communication network.

In FIG. 9, the stock security secured loan processing system includes a supplier information system 955, a warehouse information system, a mechanical product code middleware 965, an object name service server 970, and a mechanical product code information service server. 975, a financial company server 900, a sales company information system 990, and a corporate information system 985 are illustrated and described, but the present invention is not limited thereto. The system may consist of one server (or device), or may consist of at least two or more servers (or devices), and separate servers for each component constituting each of the servers shown above according to the intention of the skilled person. It is clear that it can be implemented in the form.

10A and 10B illustrate a process of calculating the asset value of a company applying for an asset-backed security loan service according to an embodiment of the present invention.

More specifically, FIGS. 10A and 10B show predetermined loan application information from the company in order to calculate the asset value of the company that applied for the stock loan secured loan service in which the financial institution server 900 is shown in FIG. 9. Receiving and confirming the company information and the loan amount information, the mechanical product code middleware 965, the object name service server 970, the mechanical product code information service server 975, and an inventory asset analysis system ( 980 confirms the predetermined product information and the predetermined distribution inventory information, calculates a predetermined asset value using the identified product information and the distribution inventory information, and includes asset value information including the asset value. As an embodiment for generating and storing the present invention, those skilled in the art to which the present invention pertains may refer to or modify the drawings 10a and 10b. Various implementation methods for estimating the asset value of a company applying for an asset-backed securitized loan service 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. .

10A and 10B, the financial institution server 900 receives the loan application information input through the terminal apparatus connected to the communication network (1000), and checks the received loan application information to the loan application information. After checking the included company information, the product information, and the loan amount information (1005), by searching the storage medium 950 associated with the financial company server 900 (1010) by checking the existence of the company information, The validity of the loan application information is checked.

If the financial institution server 900 searches the storage medium 950 associated with the financial institution server 900 and determines that the corporate information exists (1015), the financial institution server 900 may retrieve the corporate information. It generates a company stock status request information including, and transmits to the mechanical product code information service server 975 (1030).

On the other hand, when the financial institution server 900 searches the storage medium 950 associated with the financial institution server 900 and determines that the corporate information does not exist (1015), the financial institution server 900 is the corporate information. To store the corporate information in the ledger D / B associated with the financial system (1020), and establish a new customer account and a new account of the corporate customer in the ledger D / B in connection with the financial system. Next, in operation 1025, the company inventory status request information including the company information is generated and transmitted to the mechanical product code information service server 975 (230).

Thereafter, the mechanical product code information service server 975 receives the corporate stock search request information, checks the product information corresponding to the corporate stock search request information in association with the mechanical product code middleware 965 ( 1035 and 1040, the mechanical product code middleware 965 requests aggregate inventory data request information corresponding to the product information.

Thereafter, the mechanical product code middleware 965 receives the aggregated inventory data request information, and among the mechanical product codes transmitted from the RFID reader, the mechanical product code middleware 965 receives the aggregated inventory data request information from the mechanical product codes corresponding to the aggregated inventory data request information. Only the corresponding mechanical product code is selected and collected (1045), the collected mechanical product code is converted into collected inventory data (1050), and the converted inventory data is converted into the mechanical product code information service together with the product information. And transmits to server 975 (1055).

Thereafter, the mechanical product code information service server 975 receives the product information and the collected inventory data to generate distribution inventory information based on the product information and the collected inventory data (1060), and the financial company The product information and the distribution stock information are transmitted to the server 900 and the inventory analysis system 980 (1065).

Thereafter, the inventory analysis system 980 checks the product information and the distribution inventory information, and generates asset value calculation and asset value information corresponding to the product information by applying predetermined market value information (1070). The generated asset value information is transmitted to the financial company server 900 (1075), and the financial company server 900 receives the product information, the distribution inventory information, and fraudulent enterprise value information to receive the financial company server. By storing in the storage medium 950 associated with the operation (1080) (1080), the financial company server 900 terminates the process of calculating the asset value of the company applying for the asset-backed security loan service.

11A and 11B illustrate a process of calculating the asset value of a company applying for an asset-backed security loan service according to another embodiment of the present invention.

More specifically, FIGS. 11A and 11B show predetermined loan application information from the company in order to calculate the asset value of the company that applied for the stock loan secured loan service in which the financial institution server 900 is shown in FIG. Receiving, confirming the company information and the loan amount information, the mechanical product code middleware 965, the object name service server 970, the mechanical product code information service server 975 and inventory asset analysis system 980 Check predetermined product information, predetermined distribution inventory information, calculate predetermined asset value using the confirmed product information and distribution inventory information, and calculate asset value information including the asset value. As an embodiment for generating and storing, if one of ordinary skill in the art to which the present invention pertains, the inventors with reference to or modifying the drawings 11a and 11b Various implementation methods for estimating the asset value of a company applying for an asset-backed securitization loan service 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. .

11A and 11B, the financial institution server 900 receives loan application information input through the terminal device connected to a communication network (1100), and checks the received loan application information to the loan application information. After checking the included company information, product information, loan amount information (1105), and by searching the storage medium 950 associated with the financial institution server 900 to confirm the existence of the company information (1110), The validity of the loan application information is checked.

If the financial institution server 900 searches for the storage medium 950 associated with the financial institution server 900 and determines that the corporate information exists (1115), the financial institution server 900 stores the corporate information. It generates the company stock status request information including, and transmits to the mechanical product code information service server 975 (1130).

On the other hand, when the financial company server 900 searches the storage medium 950 associated with the financial company server 900 and determines that the corporate information does not exist (1115), the financial company server 900 is the corporate information. To store the corporate information in the ledger D / B associated with the financial system (1120), and establish a corporate customer information and a new account of the corporate customer in the ledger D / B in connection with the financial system. Next, in step 1125, the company stock status request information including the company information is generated and transmitted to the mechanical product code information service server 975 (1130).

Thereafter, the mechanical product code information service server 975 receives the corporate stock search request information, checks product information corresponding to the corporate stock search request information in connection with the mechanical product code middleware 965 (1135). In operation 1140, the mechanical product code middleware 965 requests aggregate inventory data request information corresponding to the product information.

Thereafter, the mechanical product code middleware 965 receives the aggregated inventory data request information, and among the mechanical product codes transmitted from the RFID reader, the mechanical product code middleware 965 receives the aggregated inventory data request information from the mechanical product codes corresponding to the aggregated inventory data request information. Only the corresponding mechanical product code is selected and collected (1145), and the collected mechanical product code is transmitted to the object name service server 970 (1150).

Subsequently, the object name service server 970 receives the collected mechanical product code and converts the collected product data into aggregate inventory data corresponding to the product information (1155), and converts the collected inventory data into the mechanical product code information service server 975. In step 1160, the transmission is performed.

Thereafter, the mechanical product code information service server 975 receives the product information and the aggregate inventory data to generate distribution inventory information based on the product information and the aggregate inventory data (1165), and the financial company. When the product information and the distribution inventory information are transmitted to the server 900 and the inventory analysis system 980 (1170), the inventory analysis system 980 confirms the product information and the distribution inventory information, When the asset value and asset value information corresponding to the product information are generated by applying a predetermined market value (1175), and the asset value information is transmitted to the financial company server 900 (1180), the financial company server 900 By receiving the product information, the distribution inventory information, and the asset value information and storing them in a storage medium 950 (1185), the financial institution server 900 applies for a stock asset security loan service. Thereby terminating the process of estimating the asset value of the company.

12A and 12B illustrate a process of confirming inventory status information for each warehouse location of a company applying for an asset security loan service according to an embodiment of the present invention.

In more detail, according to the present invention 12a and 12b according to the present invention, the financial company server 900 shown in the drawing 9 is the warehouse information system 960, the mechanical commodity code information service server 975, and By identifying the product information corresponding to the company information and the shipping position coordinate information corresponding to the product information in association with the mechanical product code middleware 965, by extracting and converting the mechanical product code including the shipping position coordinate information As a method for checking inventory status information for each warehouse location of a company applying for the asset-backed mortgage lending service, a person having ordinary knowledge in the field to which the present invention pertains may refer to the drawings 12a and 12b. Alternatively, it is possible to use various implementation methods to check the stock status information of the warehouse location of the company applying for the above-mentioned asset security loan service. It will be appreciated, however, that the present invention encompasses all inferred implementation methods, and is not limited to the implementation methods shown in FIGS. 12A and 12B.

12A and 12B, the financial institution server 100 compares the corporate information and product information included in the loan application information with product information corresponding to the corporate information from the storage medium (1200). Information and product information will be checked for validity.

If the product information included in the loan application information of the company is compared with the product information stored in the storage medium, and the validity is not confirmed, the financial institution server 100 generates an error message and generates an enterprise information system 185. By transmitting (1225), the process of checking the inventory status information for each warehouse location of the company applying for the asset-backed mortgage lending service is terminated.

On the other hand, when the product information included in the loan application information of the company and the product information stored in the storage medium is compared, and the validity is confirmed, the financial company server 100 includes the company information and the product information including the shipment The location request information is generated and transmitted to the warehouse information system 165 (1205).

Thereafter, the warehouse information system 960 receives the shipment location request information, checks the company information and the product information included in the shipment location request information (1210), and checks whether the company information and the product information are valid. It is confirmed (1215).

If the validity of the company information and the product information is not confirmed in the warehouse information system 960 (1220), the warehouse information system 960 generates an error message and transmits it to the financial company server 900. By doing so (1225), the process of checking the inventory status information for each warehouse location of the company applying for the asset-backed security loan service is terminated.

On the other hand, when the validity of the company information and the product information is confirmed in the warehouse information system 960 (1220), the warehouse information system 960 is a predetermined shipment corresponding to the company information and the product information The location coordinate information and the distribution inventory information corresponding to the product information are checked (1230), and the confirmed shipping location coordinate information and the distribution inventory information are transmitted to the financial company server 900 (1235).

Thereafter, the financial company server 900 receives and confirms the shipment position coordinate information and the distribution stock information, and stores the distribution stock information in a storage medium 950 associated with the financial company server 900 (1240). The inventory status request information including the shipping position coordinate information is transmitted to the mechanical product code information service server 975 (1245).

Thereafter, the mechanical product code information service server 975 receives the inventory status request information, checks the shipment position coordinate information corresponding to the inventory status request information (1250), and sends the mechanical product code middleware 965 to the mechanical product code information middleware 965. Transmission request information of the mechanical product code including the shipping position coordinate information is transmitted (1255).

Thereafter, the mechanical product code middleware 965 receives the mechanical product code sending request information, checks the shipment position coordinate information included in the mechanical award code sending request information (1260), and the mechanical product sent from the RFID tag reader. By checking the code, it is checked whether the shipment position coordinate value is corresponded (1265).

If the mechanical product code middleware 965 determines that a coordinate value corresponding to the shipping position coordinate value does not exist (1270), the mechanical product code middleware 965 receives the mechanical product code from the RFID tag reader. It is checked whether the sending time for sending the information exceeds the preset time.

If the mechanical product code middleware 965 confirms that the transmission time does not exceed a specified time (1275), the mechanical product code middleware 965 checks the mechanical product code sent from the RFID tag reader The process of checking whether the shipment position coordinate value is corresponded (1265) is repeated.

On the other hand, when the mechanical product code middleware 965 confirms that the delivery time exceeds a specified time (1275), the mechanical product code middleware 965 generates predetermined transmission error information to generate the product code information service server. In step 1280, the commodity code information service server checks the error information and generates a transmission error message corresponding to the confirmation error information, and transmits the financial institution server 900 (1285) to apply for the stock asset securitization loan service. The process of checking inventory status information for each warehouse location is concluded.

If the mechanical product code middleware 965 determines that a coordinate value corresponding to the shipping position coordinate value exists (1270), the mechanical product code middleware 965 may determine a coordinate value corresponding to the shipping position coordinate value. Collecting and converting a mechanical commodity code including a to generate aggregate inventory data (1290), and transmits the generated aggregate inventory data to the mechanical commodity code information service server (975) (1292).

Thereafter, the mechanical commodity code information service server 975 receives and processes product information and the collected inventory data to generate inventory status information for a predetermined shipping location (1295), and generates the inventory status information for each shipping location of the financial company. When transmitting to the server 900 (1297), the financial company server 900 receives the inventory status information for each shipping location by storing in the storage medium 950 associated with the financial company server 900 (1299), The process of checking the inventory status information for each warehouse location of the company applying for the asset-backed security loan service will be terminated.

Figures 13a and 13b is a view showing a process of confirming the inventory status information for each warehouse location of the company applying for an inventory security mortgage lending service according to another embodiment of the present invention.

In more detail, according to the present invention 13a and 13b according to the present invention, the financial institution server 900 shown in FIG. 9 includes the warehouse information system 960, the mechanical commodity code information service server 975, and By identifying the product information corresponding to the company information and the shipping position coordinate information corresponding to the product information in association with the mechanical product code middleware 965, by extracting and converting the mechanical product code including the shipping position coordinate information As a method for checking the inventory status information for each warehouse location of the company applying for the asset-backed mortgage lending service, those who have ordinary knowledge in the field to which the present invention pertains will refer to the drawings 13a and 13b. Alternatively, it is possible to use various implementation methods to check the stock status information of the warehouse location of the company applying for the above-mentioned asset security loan service. Would be able, in the present invention includes all embodiments in which the inference method, but does not limited to the exemplary method shown in the figure 13a and 13b.

Referring to FIGS. 13A and 13B, the financial institution server 100 compares company information and product information included in the loan application information with product information corresponding to company information from the storage medium (1300). Information and product information will be checked for validity.

If the product information included in the loan application information of the company is compared with the product information stored in the storage medium, and the validity is not confirmed, the financial institution server 100 generates an error message and generates an enterprise information system 185. By transmitting the (1325), the process of checking the inventory status information for each warehouse location of the company applying for the asset-backed security loan service.

On the other hand, when the product information included in the loan application information of the company and the product information stored in the storage medium is compared, and the validity is confirmed, the financial company server 100 includes the company information and the product information including the shipment The location request information is generated and transmitted to the warehouse information system 165 (1305).

Thereafter, the warehouse information system 960 receives the shipment location request information and checks the company information and the product information included in the shipment location request information (1310), and whether the company information and the product information are valid or not. It is confirmed (1315).

If the validity of the company information and the product information is not confirmed in the warehouse information system 960 (1320), the warehouse information system 960 generates an error message and transmits it to the financial company server 900. As a result (1325), the process of confirming the stock status information for each warehouse location of the company applying for the asset-backed security loan service is terminated.

On the other hand, when the validity of the company information and the product information is confirmed in the warehouse information system 960 (1320), the warehouse information system 960 is a predetermined shipment corresponding to the company information and the product information The position coordinate information and the distribution inventory information corresponding to the product information are checked (1330), and the confirmed shipping position coordinate information and the distribution inventory information are transmitted to the financial company server 900 (1335).

Thereafter, the financial institution server 900 receives and confirms the shipment position coordinate information and the distribution inventory information, and stores the distribution inventory information in a storage medium 950 associated with the financial institution server 900 (1340). The inventory status request information including the shipping location coordinate information is transmitted to the mechanical product code information service server 975 (1345).

Thereafter, the mechanical product code information service server 975 receives the inventory status request information, checks the shipment location coordinate information corresponding to the inventory status request information (1350), and sends the mechanical product code middleware 965 to the mechanical product code middleware 965. Transmission request information of the mechanical product code including the shipping position coordinate information is transmitted (1355).

Thereafter, the mechanical product code middleware 965 receives the mechanical product code sending request information, checks the shipment position coordinate information included in the mechanical award code sending request information (1360), and the mechanical product sent from the RFID tag reader. By checking the code, it is checked whether the shipment position coordinate value is corresponded (1365).

If the mechanical product code middleware 965 determines that a coordinate value corresponding to the shipping position coordinate value does not exist (1370), the mechanical product code middleware 965 is configured to read the mechanical product code from the RFID tag reader. It is checked whether the sending time for sending the information exceeds the preset time.

If the mechanical product code middleware 965 confirms that the transmission time does not exceed a specified time (1375), the mechanical product code middleware 965 checks the mechanical product code sent from the RFID tag reader The process of checking whether or not the shipping position coordinate value is corresponded (1365) is repeated.

On the other hand, when the mechanical product code middleware 965 confirms that the delivery time exceeds a specified time (1375), the mechanical product code middleware 965 generates predetermined transmission error information to generate the product code information service server. In step 1380, the product code information service server checks the error information and generates a transmission error message corresponding to the confirmation error information and transmits the financial institution server 900 (1385), thereby providing the stock asset security securitization loan service. The process of checking the stock status information by the warehouse location of the applied company is concluded.

If the mechanical product code middleware 965 confirms that a coordinate value corresponding to the shipping location coordinate value exists (1370), the mechanical product code middleware 965 collects and processes the mechanical product code. When the mechanical product code is transmitted to the object name service server 970 (1390), the object name service server 970 receives the collected mechanical product code and processes the collected product data into aggregate inventory data corresponding to the product information; 1392, the product information and the aggregate inventory data is transmitted to the mechanical product code information service server 975 (1394).

Thereafter, the mechanical commodity code information service server 975 receives and processes the product information and the collected inventory data to generate inventory status information for a predetermined shipping location (1396), and generates the inventory status information for each shipping location of the financial company. When transmitting to the server 900 (1398), the financial institution server 900 receives the inventory status information for each shipping location and stores in the storage medium 950 associated with the financial institution server 900 (1399), The process of checking the inventory status information of each warehouse location of a company applying for a securitization loan service is concluded.

14 is a diagram illustrating a process of approving a loan application of a company applying for an asset-backed security loan service according to an embodiment of the present invention and setting the inventory of the company as a collateral.

In more detail, according to the present invention, the financial institution server 900 shown in FIG. 9 checks the asset value information and provides the loan limit amount corresponding to the asset value information and the inventory security secured loan service. By comparing the loan amount information included in the loan application information of the applied company and judging whether the loan is approved, the loan application of the company is approved and the collateral setting information on the stock assets of the company that is provided with the loan service is determined. The present invention relates to a method for processing collateral set-up by generating and transmitting the information to the warehouse information system 960 and the enterprise information system 985. If one having ordinary knowledge in the field of the present invention belongs to this figure 14 Approving the loan application of the company applying for the above-mentioned asset-backed security loan service by referring to or modifying the It would be able to infer the various exemplary method of setting with water, and the present invention includes all embodiments in which the inference method, but does not limited to the exemplary method shown in the figure 14.

Referring to FIG. 14, the financial institution server 900 checks loan amount information included in the loan application information of the company (1400), and corresponds to the loan amount corresponding to the loan amount information and the asset value information. By comparing the loan limit amount to determine whether or not to provide the inventory security liquidized loan service (1405).

If the loan amount exceeds the loan limit amount (1410), the financial institution server (900) generates the inventory asset-liquid securitization loan service unavailable message and sends it to the employee terminal (1415), the inventory Approving the loan application of the company applying for the asset-backed securitized loan service, and concludes the method of setting the inventory of the company as collateral.

On the other hand, if the loan amount does not exceed the loan limit amount (1410), the predetermined collateral setting information is generated in association with the product information corresponding to the asset value information, and stored in association with the financial company server (900) After storing in the medium 950 (1420), the generated collateral setting information is transmitted to the enterprise information system 985 and the warehouse information system 960 (1425).

Thereafter, the enterprise information system 985 receives the collateral setting information and stores the product information in a predetermined inventory management D / B associated with the enterprise information system 985 in association with the product information (1430). The system 960 receives the collateral setting information and stores it in association with the product information in a predetermined logistics management D / B associated with the logistics management information system (1435).

Subsequently, the financial institution server 900 transfers the loan corresponding to the loan amount information to the account corresponding to the corporate information in 1440 in connection with the financial system, and secures the inventory to the corporate information system 985. When the loan approval message for the securitized loan service is generated and transmitted to the employee terminal (1445), the enterprise information system 985 receives the inventory asset-backed securitization loan approval message and confirms the deposit amount of the asset-backed securitized loan. In operation 1450, the method of approving the loan application of the company applying for the asset-backed security loan service and ending the method of setting the company's inventory as collateral.

15A and 15B illustrate a process in which a financial institution server 900 processes a request and approval for a product release of a company using an inventory security loan service according to an exemplary embodiment of the present invention.

More specifically, the drawings 15a and 15b, the financial company server 900 shown in Figure 9 confirms the validity by checking the shipment request information sent from the enterprise information system 985, and then the shipment request information This method relates to a method for transferring the approval information corresponding to the information to the enterprise information system 985 and the warehouse information system 960. If the person having ordinary knowledge in the field of the present invention belongs to this figure 15a 15b may be inferred or modified in order to infer various implementation methods for the financial institution server 900 to process a request and approval for a product release of a company using an inventory security loan service. All implementation methods are included, and the present invention is not limited to the implementation methods shown in FIGS. 15A and 15B.

15A and 15B, when the enterprise information system 985 transmits predetermined release request information to the warehouse information system 960 and the financial company server 900 (1500), the warehouse information system 960 receives and confirms the shipment request information and transmits the shipment approval request information including the product information for the release to the financial company server 900 (1505), and the financial company server 900 receives the shipment request information and the shipment request information. By receiving the release approval request information, the release target product information included in the release approval request information is checked (1510).

Thereafter, the financial company server 900 checks whether or not the matching target product information and the product information stored in the storage medium 950 of the financial company server 900 confirms the validity of the release approval request information; 1515) If the product information of the shipment target does not match the product information (1520), the financial institution server 900 generates error information and transmits the error information to the warehouse information system 960 (1525). The warehouse information system 960 receives the error information and transmits a shipment request error message corresponding to the error information to the company information system 985 by the financial institution server 900. This concludes the process of handling requests and approvals for product releases by companies using mortgage lending services.

On the other hand, if the product information to be shipped and the product information is matched (1520), the financial institution server 900 generates and stores the product approval information corresponding to the product information to be released (1535), the release approval When information is transmitted to the warehouse information system 960 and the enterprise information system 985 (1540), the warehouse information system 960 receives and confirms the release approval information to the company information system 985. Checking the information, such as the shipping place, the name of the store name, the shipping date, etc. included in the delivery request information transmitted from (1545), by generating the release process and predetermined delivery processing data of the product corresponding to the release request information and the sales information The system 990, the corporate information system 985, and the financial institution server 900 are transmitted (1550).

Then, the customer information system 990 receives the delivery processing data and checks whether or not matching with the product information associated with the product delivered through a predetermined distribution network (1555), if the delivery processing data and the product If the information does not match (1560), the customer information system 990 generates error information and transmits it to the warehouse information system 960 (1565), the warehouse information system 960 is the error information And receiving the issue request error message corresponding to the error information to the enterprise information system 985 (1570), the financial institution server 900 for the product release of the company using the asset-backed security loan service This concludes the process of processing the request and approval.

On the other hand, when the delivery process data and the product information is matched (1560), the customer information system 990 checks the company information and responds to the transfer process and product purchase process for the product purchase price to the account of the company Generate product purchase invoice information to be transmitted to the company information system 985 (1575), and the company information system 985 confirms whether or not the purchase price is paid through the company's account and receives the product purchase invoice information. If the storage medium 950 is stored in the storage medium 950 (1580), the enterprise information system 985 processes the loan repayment transfer for repayment of the loan to the financial company account provided with the stock asset security loan service (1585).

Thereafter, the financial system checks the product information corresponding to the loan repayment deposit details and the company information to the financial company account in connection with the financial company server 900 (1590), and the financial company server 900 is the product information and the After the process of deleting the collateral setting information associated with the product information, when the loan debt termination information is generated and transmitted to the company information system 985 (1595), the enterprise information system 985 sends the loan debt termination message. By receiving and confirming and storing it in a predetermined inventory D / B (1599), the financial institution server 900 terminates the process of processing the request and approval for the product release of the company using the asset-backed security loan service. .

16A and 16B illustrate a process in which a financial institution server 900 processes a request and approval for a product release of a company using a stockholder's secured loan service according to an embodiment of the present invention.

More specifically, the drawings 16a and 16b, the financial company server 900 shown in Figure 9 confirms the validity by checking the shipment request information sent from the enterprise information system 985, and then the shipment request information This method relates to a method of transferring the approval information corresponding to the information to the enterprise information system 985 and the warehouse information system 960. If the person having ordinary knowledge in the field of the present invention belongs to this figure 16a While referring to or modifying 16b and 16b, the financial institution server 900 may infer various implementation methods for processing a request and approval for a product release of a company using an inventory-secured securitized loan service. It includes all implementation methods, and is not limited to the implementation methods shown in FIGS. 16A and 16B.

Referring to FIGS. 16A and 16B, when the enterprise information system 985 transmits predetermined release request information to the warehouse information system 960 and the financial company server 900 (1600), the warehouse information system 960 receives and confirms the shipment request information and transmits the shipment approval request information including the product information for the release to the financial company server 900 (1605), and the financial company server 900 sends the shipping request information and the shipment request information. By receiving the release approval request information, the release target product information included in the release approval request information is checked (1610).

Thereafter, the financial company server 900 checks whether or not the matching target product information and the product information stored in the storage medium 950 of the financial company server 900 confirms the validity of the release approval request information; 1615) If the product information of the shipment target and the product information do not match (1620), the financial institution server 900 generates error information and transmits the error information to the warehouse information system 960 (1625). The warehouse information system 960 receives the error information and transmits a shipment request error message corresponding to the error information to the company information system 985 by 1630, so that the financial company server 900 has inventory. This concludes the process of handling requests and approvals for product releases by companies using mortgage lending services.

On the other hand, if the product information to be shipped and the product information is matched (1620), the financial institution server 900 generates and stores the product approval information corresponding to the product information to be released (1635), the release approval When information is transmitted to the warehouse information system 960 and the enterprise information system 985 (1640), the warehouse information system 960 receives and confirms the goods issue approval information to the company information system 985. Checking the information, such as the shipping place, the company name, shipping date, etc. contained in the shipping request information transmitted from the (1645), by generating the release processing and predetermined delivery processing data of the product corresponding to the shipping request information and the sales information The system 990, the corporate information system 985, and the financial institution server 900 are transmitted (1650).

Thereafter, the customer information system 990 receives the delivery processing data and checks whether the delivery information is matched with the product information associated with the product delivered through a predetermined distribution network (1655). If the information does not match (1660), the customer information system 990 generates error information and transmits it to the warehouse information system 960 (1665), the warehouse information system 960 is the error information Receiving the transmission request error message corresponding to the error information to the company information system (985) (1670), the financial company server 900 for the product release of the company using the asset-backed security loan service This concludes the process of processing the request and approval.

On the other hand, when the delivery process data and the product information is matched (1660), the customer information system 990 checks the company information to generate predetermined product receipt information corresponding to the product delivery process, and then the company And transmits to the information system 985, the enterprise information system 985 receives and confirms the product receipt information and stores it in a predetermined D / B associated with the enterprise information system 985 (1680). In operation 1685, the client information system 990 calculates the product cost from the sales resulting from the sales of the paid product and transfers the product purchase price to the company's account.

Thereafter, the enterprise information system 985 checks whether or not the payment of the purchase price according to the sales occurs through the account of the company (1690), and performs repayment of the loan to the financial company account provided with the asset-backed security loan service. Loan repayment transfers will be processed (1692).

Thereafter, the financial system checks the product information corresponding to the loan repayment deposit details and the company information to the financial company account in connection with the financial company server 900 (1695), and the financial company server 900 is the product information and the After the process of deleting the collateral setting information associated with the product information, when the loan debt termination information is generated and transmitted to the enterprise information system 985 (1697), the enterprise information system 985 sends the loan debt termination message. By receiving and confirming and storing in a predetermined inventory D / B (1699), the financial institution server 900 terminates the process of processing the request and approval for the product release of the company using the asset-backed security loan service. .

According to the present invention, it can be expected to attract new customers by inducing credit increase of SMEs.

In addition, it is possible to preemptively manage risks by grasping the inventory status of companies in real time, which can be expected to reduce the cost of loss caused by risks.

In addition, it is possible to anticipate the creation of new profits by efficiently predicting the company's fund demand and increasing the fund turnover rate.

Claims (3)

Information receiving means for receiving RFID information (or article information) read from an RFID tag attached to the article and company information of the article from a warehouse terminal (or server); Information storing means for linking the received RFID information (or article information) and company information of the article and storing the received information on a storage medium; When the collateral loan application information is received from the corporate terminal as collateral, the product information included in the collateral loan application information is compared with the product information stored in the storage medium, and the validity of the validity of the security target object is confirmed. Way; Value calculation means for calculating property values for the security target goods when the validity of the security target goods is confirmed; Loan processing means for processing a loan to set the goods as collateral in response to the calculated property values of the goods; And Release approval means for transmitting the release response information corresponding to the release request information to the warehouse terminal (or server) when the release request information for the goods set as the collateral from the corporate terminal (or warehouse terminal) received; A collateral loan processing system comprising: a. According to claim 1, wherein the release approval means, When the goods receipt request information for the goods set as the collateral is received from the enterprise terminal (or warehouse terminal), goods response loan processing characterized in that for providing the goods supply response information corresponding to the goods receipt request information to the company terminal system. Receiving RFID information (or article information) read from the RFID tag attached to the article and the company information of the article from the warehouse terminal (or server) in the information receiving means; Storing and storing the received RFID information (or article information) in association with the company information of the article in an information storage means on a storage medium; In the validity checking means, when the security loan application information is received from the corporate terminal as collateral, the product information included in the security loan application information is compared with the product information stored in the storage medium, and the validity of the security target item is verified. Confirming; Calculating the property values of the items to be secured when the validity of the items to be secured is confirmed by a value calculating means; Processing the loan to set the goods as collateral in response to the calculated property values of the goods in the loan processing means; And When the release request for the goods set as the collateral from the company (or logistics warehouse), the step of processing the release approval for the collateral set goods in the release approval means; .

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