KR20100067795A - Loan settlement for method between of enterprise - Google Patents

Loan settlement for method between of enterprise Download PDF

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Publication number
KR20100067795A
KR20100067795A KR1020080126339A KR20080126339A KR20100067795A KR 20100067795 A KR20100067795 A KR 20100067795A KR 1020080126339 A KR1020080126339 A KR 1020080126339A KR 20080126339 A KR20080126339 A KR 20080126339A KR 20100067795 A KR20100067795 A KR 20100067795A
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South Korea
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company
payment
management system
primary
bank
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KR1020080126339A
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Korean (ko)
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이동훈
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이동훈
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Priority to KR1020080126339A priority Critical patent/KR20100067795A/en
Publication of KR20100067795A publication Critical patent/KR20100067795A/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00—Administration; Management
    • G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/04—Billing or invoicing
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0613—Third-party assisted

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Strategic Management (AREA)
  • Marketing (AREA)
  • Finance (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • Theoretical Computer Science (AREA)
  • Human Resources & Organizations (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Game Theory and Decision Science (AREA)
  • Educational Administration (AREA)
  • Operations Research (AREA)
  • Quality & Reliability (AREA)
  • Tourism & Hospitality (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

PURPOSE: A charge payment method between multiple enterprises is provided to receive the cost which a first enterprise has to pay to a second enterprise from a bank. CONSTITUTION: A first enterprise(40) certifies the fact of the delivering products and the delivery of product registered with the second enterprise(50). The first enterprise informs the payment approval to the payment management system(10). The payment management system applies the payment of the second enterprise to the bank(20). A bank certificates and recognizes the payment. The bank informs the whole sentence of recognition to the payment managing system. The bank pays the cost except for the official fee to the second enterprise.

Description

Loan settlement for method between of enterprise}

According to the present invention, when a plurality of firms are connected and traded, the second firm can be secured to secure the settlement of the second firm, thereby ensuring stability of the second firm's payments, preventing bad transactions between the firms, as well as corporate cash liquidity and transaction transparency between the firms. It relates to a payment method between multilateral companies that can secure the

In the present invention, a transaction between multiple companies means that a purchasing company (hereinafter referred to as a 'primary company') requests a purchase company or a service to be provided to a selling company (hereinafter referred to as a 'primary company') (hereinafter referred to as 'ordering'). The primary company refers to the relationship when the first company re-requests some or all of the original company's orders or the first company orders the second company alone. In other words, if there is a second company under the first company that deals with the original enterprise.

However, at present, the primary company that deals with the primary company uses the online payment system (payment for the provision of goods or services) connected to the primary company, the bank, and the primary company to pay the price that the primary company should receive from the primary company. The bank can receive cash payments before the settlement date of the original government company through interest loans, but secondary companies are excluded from the online payment system.

Therefore, in a multilateral transaction, the payment method of the first company to the second company is offline or in cash. If the first company is a bad company, the second company can secure the payment. In addition, even if the second company provides goods or services to the first company (hereinafter referred to as 'delivery'), the payment is not made until a considerable period of time. Therefore, the second company cannot be able to cash the planned payment immediately. There is. Because of this, the cash payment of money carries a considerable risk and it is difficult to realize unless the credibility of the primary company is secured. Therefore, secondary firms prefer to pay bills that can be cashed out immediately as a discount, even if the due date has not arrived.

However, the bill settlement method has problems such as the refusal of the discount due to the significant discount fee burden or the issuer's creditworthiness, and the bill is issued according to the related laws and procedures. There is no choice but to take it. Moreover, such bills are always at risk of theft, loss, etc., and companies that use them are always in need of more attention than necessary. And the bill has a different characteristic from the date of issue and the actual cash payment date, so that the company which received the bill has the risk of not being paid, and if this risk is realized, the bill issuer fails to carry out the actual payment process. In the case of bankruptcy, note holders are not only forced to suffer enormous damage irrespective of their intentions, but it is clear that the company's serial bankruptcy is expected.

The present invention was invented to solve a problem of payment of a secondary company, etc. in a transaction between multilateral companies. The purpose is to promote cash flows of secondary companies by allowing them to receive payments from banks for the payments made by the companies to secondary companies (hereinafter referred to as 'primary credit').

On the other hand, the present invention is also aimed at improving the reliability of primary companies by suppressing the use of bills, and furthermore, preventing unavoidable damage (incapability of collecting money, chain failure, etc.) due to poor bills.

In addition, another object of the present invention is to systematically implement the transaction relationship between the original enterprise, the primary company, the secondary company to prevent the transparency and bad transactions of the transaction.

The payment method between multilateral companies according to the present invention,

By connecting the primary company, the bank that signed the loan agreement with the primary company, and the primary company directly through the online network, the primary company orders the primary company, completes its delivery, including the ordering facts, and the original company's trauma to the primary company. Notifying the payment;

The primary company applies for loans to the bank with collateral charges from the original company, and receives interest loans from the bank within the scope of the original loans.

Registering the information (business number, etc.) of the primary company and the secondary company in the payment management system by establishing a payment management system in the online network of the original government company, the bank, and the primary company (member registration method, etc.) Wow;

Accessing the billing management system and inputting the amount of the foreign currency bill or the amount of money deposited by the primary company in the bank or adding the sum of the money and the deposit;

The first company is connected to the payment system, and the second company applies for ordering, and the payment management system receives the application, and the amount of the first company's cash amount entered into the payment management system. Notifying the secondary company of the ordering and rejecting the ordering of the primary company;

When the second company is notified of the order from the payment management system, the second company delivers to the first company, accesses the payment management system, registers the facts of delivery and the goods supplied to the first company, and then Notifying the payment management system of the payment approval at the same time as the company authenticates;

After the first company's certification is completed, the payment management system requests the bank to pay the second company's payment, and the bank examines and approves it, then notifies the full payment management system to the payment management system. It characterized in that it comprises the step of paying the secondary company.

 The present invention promotes the settlement of payments and the stability of the first-rate payments, since the second-party companies can be paid from the bank through the payment management system when the first-owned enterprises, the first companies and the second companies are connected and traded. Not only that, but it also prevents the secondary company from being paid or paid at all, which can protect the secondary company from multilateral transactions. In addition, if there is no balance of the primary company in the payment management system, it is impossible for the primary company to place an order for the secondary company, thereby preventing deception and bad transactions between the primary company and the secondary company.

On the other hand, the present invention can solve the conventional problems due to the use of bills, there is also an effect that can block the bankruptcy of the bankruptcy due to bankruptcy or the cash flow of the secondary company at the source.

In addition, the present invention also has the advantage of preventing shortcuts, illegal, and illegal such as transaction transparency and tax portal because all the transaction information between companies is entered into the payment management system.

Therefore, the present invention can secure the cash flow of the secondary company in the transaction between the multilateral companies, as well as build the trust between the companies.

 DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENT Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. The description of the procedure, etc. is determined to unnecessarily obscure the subject matter of the present invention and the detailed description thereof will be omitted.

The payment method between the multilateral companies of the present invention,

First, the original government company 30, the bank 20, and the primary company 40 are directly connected to the online network. At this time, the bank 20 and the original government company 30 enter into a contract for a payment loan having a loan limit, a maturity date, a mortgage provision, etc. on the primary company 40 side in advance so that the present invention can proceed stably and smoothly. . Of course, the terms and conditions of the loan agreement may be modified according to the creditworthiness, financial transaction performance, and operating profit of the original government company 30 and the primary company 40. When the original enterprise 30, the bank 20, and the primary company are connected to the online network, the completion of the delivery, including the fact that the primary enterprise 30 has placed an order with the primary company 40, The loan is notified to the bank 20 so that the primary company 40 may receive interest loans from the bank 20 within the scope of the original loans as collateral for the original loans of the original company 30. This is the current payment method between the original government company 30 and the primary company (40).

By establishing a payment management system 10 in the online network of the original government company 30, the bank 20, the primary company 40, the primary company 40 and the secondary in the payment management system 10 The information of the company 50 is registered. At this time, the information of the first and second companies 40 and 50 includes a business number, a representative, and the like.

In this way, when the primary company 40 and the secondary company 50 are registered in the payment management system 10, the bank 20 accesses the system 10 and inputs an external credit charge. In this case, the bank 20 separates the amount of the trauma from the original government and the amount deposited by the primary company 40 into the bank (the amount that can be immediately cashed by the primary company in the same way as the loan or deposit withdrawal) or You can enter the sum.

As described above, when the bank 20 inputs the instant cash amount of the primary company 40 into the payment management system 10, the primary company 40 connects to the payment management system 10 and the second company ( 50) an order is placed, and the payment management system 10 that receives the application immediately receives the cash amount of the primary company 40 in which the order amount of the primary company 40 is input to the payment management system 10. If it is within the scope, the second company 50 is notified of the order, and if not, the first company 40 is rejected. That is, based on the instant cash balance of the primary company 40 in the payment management system 10, the primary company 40 can be ordered for the secondary company 50 to the primary company 40. This is to block the situation in which the secondary company 50 cannot receive payment from the primary company 40 even after delivery.

After that, the second company 50 that has been notified of the order from the payment management system 10 delivers to the first company 40, and then accesses the payment management system 10 to the first company 40. When the fact of delivery and the goods to be delivered are registered, the first company 40 authenticates and settles the same, and the settlement approval is notified to the payment management system 10, the payment management system 10 sends the bank 20 to the bank 20. After applying for the payment or loan of the second company 50, the bank 20 examines and approves it, and then notifies the payment management system 10 of the full text of the approval to the second company. By paying 50, payment of the secondary company 50 is achieved. At this time, the secondary company 50 confirms the settlement of the primary company 40 and then issues a tax invoice and receipt.

In this way, if the secondary company 50 receives payment from the primary company 40, the primary company 40 may complete the payment of the secondary company 50 even though the payment process is not performed separately. The waste of manpower and time for payment can be reduced, and the secondary company 50 can be freed from the risk of insolvency. In particular, the primary company 40 is able to complete the settlement of the secondary company 50, while deviating from the interest generated by receiving the loan from the bank 20 as a loan to the original government loan.

The payment management system 10 is made of a combination of a database (hereinafter referred to as 'D / B') block, D / B management server, payment management server and the like.

In the D / B / Block, the authentication information D / B in which the payment of the first external credit payment that the bank 20 paid to the second company 50 and the payment approval authentication information of the first company 40 is stored, Balance information D / B of the immediate cashing amount of the primary company 40, including ordering information D / B of the primary company 40, operation information D / B in which the operation information is stored, primary company 40, 2 The registered information D / B of the secondary company 50 is arranged.

The D / B management server may selectively store authentication information, balance information of the primary company 40, ordering information, operation information, and registration information of the primary company 40 in a required area of the D / B block. Various data can be selectively selected from authentication information D / B, balance amount D / B of primary company 40, order information D / B of primary company 40, operation information D / B, registration information D / B, etc. This function outputs At this time, it not only plays a role of storing and outputting various data, but also simultaneously plays an intelligent role of managing various data without duplicates in the fastest time without duplication.

In addition, the payment management server interfaces with the interface module, such as the primary corporate client, secondary corporate client. In this case, when each client accesses the payment management system using the Internet network, an automatic answering network, a value-added communication network, a public telephone network, the server includes an authentication module, a balance management module of the primary company, and an ordering information module of the primary company. Whether to store and extract authentication information, balance information of primary companies, payment information, operation information, registration information, etc. Plays a role in determining

On the other hand, the payment management server, when the bank pays the first credit amount to the second company 50, the authentication information, balance amount information of the first company, order information of the first company, operation information, registration information, etc. Systematic combination to store and manage a variety of information transmitted from banks, primary and secondary enterprises (40) (50). At this time, the authentication module is dedicated to the role of authenticating the authentication information whether or not the existing registration of each company to access the payment management system (10).

In addition, the operation information management module functions to manage detailed operations of the payment management server by using the previous operation information D / B and registration information D / B. In addition, it forms a close communication link with the payment management server.

While the preferred embodiments of the present invention have been described as described above, various modifications and variations (such as multiple secondary companies) will be possible without departing from the spirit and scope of the present invention. As such, the claims of the present invention may be determined to include such modifications and variations that fall within the true scope of the present invention.

Figure 1 is an exemplary view showing the payment process currently being performed by the bank, the original government enterprise, the primary company of the present invention

Figure 2 is an exemplary view showing a second enterprise payment process using the payment management system in the present invention

3 is a block diagram of a payment method of a secondary company using the payment management system of the present invention.

      Explanation of symbols on important parts of drawing

10: Payment Management System 20: Bank

30: Woncheong Enterprise 40: Primary Enterprise

50: secondary company

Claims (1)

In the case where the primary enterprise, the bank, or the primary enterprise use the online network, the primary enterprise receives payment from the bank in the manner of interest loan from the primary enterprise, the bank, Establishing a payment management system in an online network of a first company and registering information of the first company and the second company in the payment management system; Inputting an amount to which a bank connects to the payment management system and divides or adds the amount to be paid by the primary company from the original enterprise or the amount deposited by the primary company to the bank; The first company is connected to the payment system, and the second company applies for ordering, and the payment management system receives the application for the amount of cash from the first company whose order amount is entered into the payment management system. Notifying the secondary company of the ordering and rejecting the ordering of the primary company; After receiving the order from the payment management system, the second company delivers to the first company and accesses the payment management system to register the delivery facts and the goods supplied to the first company, and the first company authenticates them. And notifying the payment management system of the payment approval. After the first company's certification is completed, the payment management system requests the bank to pay the second company's payment, and the bank examines and approves it, then notifies the full payment management system to the payment management system. The payment method between the multilateral companies comprising the step of paying to the secondary company.
KR1020080126339A 2008-12-12 2008-12-12 Loan settlement for method between of enterprise KR20100067795A (en)

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KR1020080126339A KR20100067795A (en) 2008-12-12 2008-12-12 Loan settlement for method between of enterprise

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KR1020080126339A KR20100067795A (en) 2008-12-12 2008-12-12 Loan settlement for method between of enterprise

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Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20160053068A (en) * 2014-10-30 2016-05-13 주식회사 우리은행 Trust account management method and server performing the same
KR20210019320A (en) * 2019-08-12 2021-02-22 주식회사 우리은행 Financial support method for construction work

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20160053068A (en) * 2014-10-30 2016-05-13 주식회사 우리은행 Trust account management method and server performing the same
KR20210019320A (en) * 2019-08-12 2021-02-22 주식회사 우리은행 Financial support method for construction work

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