KR20130043424A - Payment monitoring system linked with banking system and controlling method for the same - Google Patents

Abstract

PURPOSE: A system for confirming payment related to a financial institution and a control method thereof are provided to manage a contract between an orderer and cooperating companies and payment information, thereby properly inducing payment and monitoring a payment situation in real time. CONSTITUTION: An orderer server registers an original contract and transmits an informing signal to a payment confirmation server(S301). The payment confirmation server generates contract information(S302). The payment confirmation server provides the contract information to a financial institution server(S303). The financial institution server generates a fixed account, a money management account, or a repayment account corresponding to the contract information(S304). The orderer server registers supply and demand contract information between a first cooperating company terminal and a second cooperating company terminal and transmits the contract information to the payment confirmation server(S305). [Reference numerals] (S301) Orderer server registers and transmits an original contract; (S302) Payment confirmation server generates contract information; (S303,S307) Providing to a financial institution server(through a linked server); (S304) Concluding an agreement with a first cooperative company/generating a result receiving account(fixed account, money management account, and repayment account); (S305) Orderer server registers and transmits a supply and demand contract; (S306) Payment confirmation server additionally registers contract information; (S308) Concluding an agreement with a second cooperative company/generating a result receiving account(normal account); (S309) Payment confirmation server registers a sales contract; (S310) Payment confirmation server additionally registers the contract information; (S311) Providing the financial institution and guarantee institution server(through the linked server); (S312) Concluding an agreement with a third cooperative company/generating a result receiving account(normal account); (S313) Registering a payment instruction; (S314) Payment confirmation server matches the payment instruction and the contract information/transmitting to the finanacial institution; (S315) Receiving a payment result;

Description

PAYMENT MONITORING SYSTEM LINKED WITH BANKING SYSTEM AND CONTROLLING METHOD FOR THE SAME}

The present invention relates to a financial institution linked payment confirmation system and a control method thereof, and more specifically, to the financial institution electronically managed to connect and manage contracts and payments made between the first partner, the second partner, and the third partner. The present invention relates to a payment institution confirmation payment system linked with a financial institution and a control method thereof.

Most of Korea's industrial structure is established with sales and purchasing networks with large companies (including public institutions), and sales cycles of contracts, ordering, delivery, billing, and payment between large companies and small and medium suppliers are formed. do. In particular, the timely payment of payments to suppliers that are relatively poor in the purchasing process of large corporations is recognized as a social issue, not between corporations, and various laws (eg, subcontracting laws) have been enacted. It is a reality.

Since 2009, the public institution has implemented subcontract payment verification system to protect small and medium subcontractors, and the subcontractors who received orders from public institutions and subcontractors who received subcontracts submit the mutual payment details to the public institution, which is the client. Starting in 2010, a legal basis was established to allow private large corporations to manage and evaluate the payments between their first and second suppliers.

Also, in August 2011, the government announced the introduction of a separate labor cost management and payment verification system to protect the wages of construction workers, and is currently establishing relevant regulations. The main focus is on the verification and will be implemented from 2012.

As such, the client is obliged to supervise the payment practices between the first, second and third partners that have been implementing the order, and is currently looking for a proper way to do so. The statement is handwritten and confirmed.

In particular, public institutions that are obliged to implement subcontract payment verification system also check the bankbook handwritten copying, which makes the distinction of payment history unambiguous and does not ensure transparency of payments. As there is no management plan for payment between subcontractors, it is difficult to receive low reliability and low work efficiency. In addition, payment confirmation and management of construction workers, subcontractors, and subcontractors for material purchasers are not made.

Private companies also want to monitor whether the company's orders can be delivered and completed in a timely manner, and manage whether the payments are flowing properly to small and medium-sized suppliers, but there is currently no appropriate means. Some are confirming the details of payment between suppliers through alliances with operators that relay e-commerce, but this is difficult to verify the relationship with large companies at the level of tax invoice billing information, and the authenticity of transactions is not secured.

In addition, even if the client (large company and public institution) wants to reflect the payment adequacy results in the supplier's screening screening in order to maintain the adequacy of the partner's payment, external organizations and associations can also find a proper method through the adequacy of the payment. In order to evaluate the level of win-win cooperation and provide incentives to excellent companies, the relevant data are submitted and confirmed by hand.

The purpose of the present invention is to provide a payment system for linking with an electronic payment service and a financial institution linking system for interworking with the financial institution electronic payment service to manage the contracts and payments made between the client, the first partner, the second partner, and the third partner. In this regard, the information collected from the client server, the first partner terminal, the second partner terminal, and the third partner terminal will be transmitted to the financial institution in a timely manner.

The present invention supports the payment between the first and second suppliers, the payment between the second and third partners by linking the financial institution linkage system and the electronic payment service of the financial institution, the payment results to the payment confirmation system This will simplify the tasks related to submitting and storing documentary evidence of clients, primary suppliers, secondary suppliers, and tertiary partners, and checking the adequacy of payment.

In addition, the present invention supports a payment fund during the payment of payment between the first supplier and the second partner, the payment between the second partner and the third partner and linked to the financial institution to use the payment products of the financial institution for this purpose We want to build

In addition, the present invention assists the client in evaluating items including the adequacy of the payment in the items for evaluating the supplier based on the payment data between the suppliers, and in particular, evaluation and incentives for payment adequacy implemented by external organizations and associations. We will support the business to automate the submission of payment result data during the evaluation work.

In addition, the present invention enables the third supplier to be notified of the receipt of the payment of the second supplier and to recognize when it is possible to collect the price. Particularly, for the construction worker among the third suppliers, the second supplier can be paid in a separate labor cost management account. It is intended to support the management of labor cost classification and payment verification system, which will be implemented by public institutions, including the ability to receive SMS notification of labor costs from secondary suppliers.

In addition, the present invention provides the first contract and payment payment information to the financial institution in a timely manner to implement the flow of money management by interlocking the contract information when the electronic payment of the financial institution, the second primary and secondary partners, 2 Provided by linking electronic payment services of financial institutions to process payments of secondary and tertiary suppliers. Third, whether the payments made by the client to the primary suppliers were timely paid to the secondary suppliers and the secondary suppliers were Fourthly, computerizing work to check whether payment is properly and timely paid to the subcontractors, and fourth, simplifying the work by automatically submitting and collecting proof of payment data online. Provide timely payment to secondary and tertiary suppliers by providing payment funds to primary and secondary suppliers by providing risk management information This will be done, and the company will support the business to automatically submit payment results to external organizations and associations.

In the control method of the financial institution linked payment confirmation system according to an embodiment of the present invention, the client server registers the original contract information with the primary partner terminal, and transmits the registered original contract information to the payment confirmation server ; Receiving, by the payment confirmation server, the original contract information and generating first contract information which is contract conclusion information between the orderer server and the primary partner terminal; The payment confirmation server transmitting the first contract information to a financial institution server through a financial institution linked server; As the financial institution server receives the first contract information, the fixed payment account that contracts the electronic payment service and receives the payment from the client, the down payment management account that separates and manages the down payment of the first and second suppliers, the first supplier Generating a repayment account for freely depositing and withdrawing and managing repayment of the issued electronic payment with cash; Registering, by the client server, supply contract information between the first partner terminal and the second partner terminal, and transmitting the registered supply contract information to the payment confirmation server; Receiving, by the payment confirmation server, the supply contract information and matching the first contract information to generate second contract information which is contract conclusion information between the first partner terminal and the second partner terminal; Transmitting, by the payment confirmation server, the second contract information to the financial institution server through a financial institution linked server; Generating a receiving account as the financial institution server receives the second contract information; The payment confirmation server receives the sales contract information between the second partner terminal and the third partner terminal, by linking the first contract information and the second contract information between the second partner terminal and the third partner terminal Generating third contract information which is contract conclusion information; Sending, by the payment confirmation server, the third contract information to the financial institution server and the guarantee institution server through a financial institution linked server; And generating, by the financial institution server, a receiving account in response to receiving the third contract information.

According to another embodiment of the present invention, a method of controlling a payment system linked to a financial institution is approved by a payment server by an authorized certificate of each partner from a first partner terminal, a second partner terminal, or a third partner terminal. Receiving contract, order, tax invoice and deposit data; Transmitting, by the payment confirmation server, the received contract, order, tax invoice and deposit data to a financial institution server through a financial institution linked server; Storing, by the payment confirmation server, the contract, order, tax invoice, and deposit data information; When the payment confirmation server receives the payment instruction signal from the first partner terminal or the second partner terminal, the payment instruction signal is linked to the financial institution server by linking the contract, order form, tax invoice, and receipt data. Transmitting; And receiving, by the payment confirmation server, the payment result from the financial institution server to the primary partner terminal or secondary partner terminal.

Control method of the financial institution linked payment check system according to another embodiment of the present invention, the payment check server receives the registered payment history from the secondary partner terminal registration; Requesting confirmation of the construction details of the ready period to the ordering server when the payment confirmation server receives the donation request signal from the primary partner terminal; Checking, by the client server, the construction details of the ready-made period, and determining whether the payment payment server has approved the ready-made payment by using the check result; When the payment confirmation server approves the payment of the ready-made money, the first supplier terminal transmitting an electronic payment instruction signal; Receiving, by the payment payment server, the electronic payment payment instruction signal and transmitting to a financial institution linked server; Transmitting, by the financial institution linked server, an electronic payment issuance instruction signal by linking the first contract information and the second contract information to a financial institution server when the electronic payment payment instruction signal is received; When the financial institution server receives the electronic payment issue instruction signal, issuing the electronic payment to the primary partner terminal via the financial institution linked server; Transmitting, by the financial institution server, the result of issuing the electronic payment to the payment confirmation server via the financial institution linked server; Registering the payment confirmation information when the payment confirmation server receives the issue result information of the electronic payment; And notifying, by the payment confirmation server, of the issuance result information of the electronic payment to the third partner terminal and the external user terminal through SMS, and after determining whether to approve the ready-made payment, the payment payment is confirmed. When the server approves the payment of the ready-made money, the first partner terminal depositing the cash in the repayment account of the financial institution server; When the payment payment server receives a ready-made payment instruction signal from the first partner terminal, determining whether the ready-made payment to the first partner terminal is appropriate; The payment check server transmits a command for payment transfer to the financial institution linked server if it is determined that the ready payment is appropriate; When the financial institution linked server receives the command to transfer the payment, transmitting a command to transfer the payment from the repayment account to the receiving account of the secondary partner terminal; When the financial institution server receives a command for the transfer of money from the repayment account to the general account of the secondary partner terminal, executing a transfer from the repayment account to the general account of the secondary partner terminal; Transmitting, by the financial institution server, the result of executing the payment to the payment confirmation server via the financial institution linked server; And notifying, by the payment confirmation server, the third cooperative company's terminal and the external user's terminal of the result of executing the payment.

Control method of the financial institution linked payment check system according to another embodiment of the present invention, the client server deposits a prepayment to a fixed account of the financial institution server; Transmitting, by the first partner terminal or the second partner terminal, the prepayment request signal to the client server; Receiving payment payment information from the ordering server and transmitting the payment information to a financial institution server through a financial institution linking server; Transferring the down payment of the fixed account to a down payment management account when the payment confirmation server receives the payment information and confirms the down payment request; When the payment confirmation server receives a prepayment request signal from the first partner terminal or the second partner terminal, determining whether the prepayment according to the prepayment request signal is appropriate; If the prepayment is appropriate as a result of the determination, transmitting the received prepayment request signal to a financial institution linked server by the payment confirmation server; The financial institution linked server receives the prepayment request signal, and if the prepayment request signal is a signal for requesting a prepayment from the primary partner terminal, transmits a repayment account transfer signal to the financial institution server, and pays the prepayment. If the request signal is a signal for requesting advance payment from the secondary partner terminal, transmitting a payment signal to a receiving account of the secondary partner terminal to the financial institution server; When the financial institution server receives the redemption account transfer signal, the prepayment of the down payment management account is transferred to the redemption account, and when the payment signal to the receiving account is received, the down payment of the down payment management account is received by the secondary partner terminal. Transferring to an account; Transmitting, by the financial institution server, a result of executing the transfer to the payment confirmation server side; And notifying, by the payment confirmation server, the fact of the transfer to the receiving account of the secondary partner terminal to the tertiary partner terminal and the external user terminal through SMS.

Control method of the financial institution linked payment check system according to another embodiment of the present invention, the client server transfers the funds to the fixed account of the financial institution server; Receiving, by the financial institution server, payment information from a payment payment server; If the financial institution server receives the ready-made payment information, redeeming the electronic payment issued in association with the first contract information between the client server and the first partner terminal; Transmitting, by the financial institution server, the repayment details of the electronic payment to the payment confirmation server through the financial institution linked server; And registering payment payment information as the payment confirmation server receives the payment details of the electronic payment; If the payment confirmation server receives payment request information from the orderer server and confirms the payment request as a ready-made payment, maintaining the ready-made funds in a fixed account; When the payment payment server receives a donation request signal from the first partner terminal or the second partner terminal terminal, determining whether the payment is appropriate according to the ready-made payment request signal; The payment check server transmitting the received ready payment request signal to a financial institution linked server if the ready payment is appropriate as a result of the determination; If the financial institution linked server receives the ready-made payment request signal, and the ready-made payment request signal is a signal for requesting a ready-made money from the primary partner terminal, a repayment account transfer signal is transmitted to the financial institution server, and the ready-payment payment is made. If the request signal is a signal for requesting a donation from the secondary partner terminal, transmitting a payment signal to a receiving account of the secondary partner terminal to the financial institution server; When the financial institution server receives the redemption account transfer signal, transfers the funds from the fixed account to the redemption account. When the financial institution server receives the payment signal to the receiving account, the funds from the fixed account are transferred to the general account of the secondary partner terminal. Making; Transmitting, by the financial institution server, a result of executing the transfer to the payment confirmation server side; And notifying, by the payment confirmation server, the fact of the transfer to the general account of the secondary partner terminal to the tertiary partner terminal and the external user terminal through SMS.

Control method of the financial institution linked payment confirmation system according to another embodiment of the present invention, the third partner terminal terminal registration of the sales contract to the payment confirmation server; Transmitting, by the third partner terminal, a delivery billing signal to a second partner terminal; Registering the electronic payment instruction when the payment confirmation server receives the delivery billing signal from the secondary partner terminal; Determining, by the payment confirmation server, adequacy of the registered electronic payment payment instruction by confirming the connection between the original contract and the supply contract; The payment confirmation server transmits an electronic payment issuance instruction to a financial institution linked server if it is determined that the registered electronic payment payment instruction is appropriate; Receiving, by the financial institution linked server, the electronic payment issuance instruction and transmitting the received instruction to a financial institution server; And receiving, by the financial institution server, the electronic payment issuing instruction and issuing an electronic payment, and after the tertiary supplier terminal transmits a delivery billing signal to the secondary partner terminal, the payment confirmation When the server receives the delivery charge request signal from the secondary partner terminal, registering a delivery charge transfer instruction; Determining, by the payment confirmation server, adequacy of the registered delivery price transfer instruction by checking the connection between the original contract and the supply contract; The payment confirmation server transmits the electronic payment transfer instruction to the financial institution linked server if it is determined that the registered delivery price transfer instruction is appropriate; Depositing cash into a general account of the financial institution server by a secondary partner terminal; Transmitting, by the financial institution linked server, the registered delivery price transfer instruction using the cash of the general account; And receiving, by the financial institution server, the transfer payment instruction and executing a transfer to an account of the third cooperative terminal.

According to another embodiment of the present invention, a method for controlling a payment system linked to a financial institution, the first partner terminal transfers a payment to a labor cost dedicated account of a second partner terminal and sends labor payment information to a payment server. Making; The first partner terminal notifying the third partner terminal and the external user terminal of the labor cost transfer fact by SMS; Transmitting, by the third partner terminal, a delivery billing signal to the second partner terminal; Receiving the payment request signal from the second payment company terminal by the payment confirmation server, and registering the labor cost transfer instruction when the delivery payment request signal is confirmed as a labor request signal; Determining, by the payment confirmation server, adequacy of the registered labor cost transfer instruction by checking the connection between the original contract and the supply contract; If it is determined that the registered labor cost transfer instruction is appropriate, the payment confirmation server transmits an electronic payment transfer instruction to a financial institution linked server; Depositing, by the secondary partner terminal, cash in a labor-only payment account of the financial institution server; Transmitting, by the financial institution linked server, the registered labor cost transfer instruction using cash of the labor payment account; And receiving, by the financial institution server, the labor cost transfer instruction and executing a transfer to an account of the third cooperative company terminal.

According to another embodiment of the present invention, a method for controlling a payment system linked to a financial institution includes a timely payment of a subcontracting amount according to a payment and electronic payment issuance and repayment of a financial institution server between a primary partner terminal and a secondary partner terminal. Generating payment information including payments and payments, and transmitting the payment information to a payment confirmation server through a financial institution linked server; Receiving, by the payment confirmation server, the payment information from the financial institution server, or registering and receiving deposit information from the first partner terminal, the second partner terminal, and the third partner terminal; Determining, by the payment confirmation server, comparing the payment information with preset payment reference information to determine adequacy of the payment transfer processing of the first partner terminal and the electronic payment processing of the first partner terminal; Determining, by the payment confirmation server, adequacy of the payment processing of the secondary partner terminal and the electronic payment payment process of the secondary partner terminal by comparing the payment information with preset payment reference information; Generating, by the payment confirmation server, payment adequacy checking information for confirming that the payment is appropriate if the payment processing of the first and second partner terminals is appropriate; Receiving, by the payment confirmation server, a request for payment adequacy confirmation information from an external organization and an association server; Sending, by the payment confirmation server, the payment payment adequacy confirmation information to a financial institution linked server; Transmitting, by the financial institution linked server, the payment adequacy checking information to the external institution or the association server; And receiving, by the external organization and the association server, the database for receiving the payment adequacy checking information.

According to the present invention, by integrating the contract and payment information between the client and the first partner, the first partner and the second partner, the second partner and the third partner in connection with the management to induce the payment timely, You can monitor in real time.

In addition, according to the present invention, by automatically collecting and confirming contract information, billing information, and payment information between suppliers through linkage between the server of the client and the financial institution, the process of confirming adequacy of payment payment and convenience of contract management, and supporting data Can provide efficiency of collection and storage.

In addition, according to the present invention to prevent the delay and non-payment of the secondary suppliers, and collect the payment results between the suppliers as the payment paid by the client due to the electronic payment service of the financial institution is divided into the first and second suppliers Therefore, transparency and fairness of payments can be secured.

In addition, according to the present invention can contribute to win-win cooperation by providing a system that can evaluate and manage the adequacy of payment between suppliers in general large companies as well as public institutions that have a duty to check the adequacy of payment according to the relevant law.

In addition, according to the present invention, the payment practices of not only the first partner but also the second partner can be checked and monitored, and the third partner (equipment lease & material supply company) and the construction worker are paid by the public institution and the first partner. By being notified of the facts and when they were issued, they can contribute to the adequacy of payment between small and medium enterprises.

In addition, according to the present invention by providing a payment means for payment of the first and second suppliers of payment before the payment from the orderer can support the second and the third partner supplier's payment recovery and liquidity.

In addition, according to the present invention, when a client connects to several financial institutions through a financial institution linking system or when one financial institution links with multiple clients, the development period and cost can be realized by implementing the first linkage with the financial institution linking system. Can reduce the cost.

In addition, according to the present invention by providing a transaction information through the system linking with the client, payment of payment for the designated account of the financial institution, funding for the completed delivery of the financial institutions by lowering the risk of financial support to provide a means of payment of preferential terms This can be done, and the guarantee product can be linked to the guarantee body.

In addition, according to the present invention by automatically submitting the task of submitting the details of the payment to the second supplier for the contractor's contract in the win-win cooperation and fair trade evaluation work carried out by external organizations and consultation by industry Provide business convenience of suppliers.

1 is a block diagram of a financial institution linked payment check system according to an embodiment of the present invention.
2 is a view for explaining the configuration of the payment server and payment institution linked server according to an embodiment of the present invention.
3 is a flowchart illustrating a contract and payment information linking method and a financial institution account linking method according to an embodiment of the present invention.
4 is a flowchart illustrating a method of registering and approving a contract, order form, and tax invoice when the client server is not interworking according to an exemplary embodiment of the present invention.
5 is a flowchart illustrating a method of paying an electronic payment to a first partner before paying a purchaser according to an embodiment of the present invention.
6 is a flowchart illustrating a method of distributing the price at the time of payment of the orderer according to an embodiment of the present invention.
7 is a flowchart illustrating a repayment method for the electronic payment of the primary partner in accordance with an embodiment of the present invention.
8 is a flowchart illustrating a method for payment of a trading price of a secondary supplier according to an embodiment of the present invention.
9 is a flowchart illustrating a method of confirming the adequacy of payment according to an embodiment of the present invention, and submitting data to external organizations and association servers by applying a screening test.

Hereinafter, embodiments according to the present invention will be described in detail with reference to the accompanying drawings. However, the present invention is not limited to or limited by the embodiments. Like reference symbols in the drawings denote like elements.

1 is a block diagram of a financial institution linked payment check system according to an embodiment of the present invention.

1 is a block diagram of a financial institution linked payment check system according to an embodiment of the present invention. As shown in Figure 1, the financial institution linked payment check system according to an embodiment of the present invention is the client server 110, the first partner terminal 120, the second partner terminal 130, the third partner terminal ( 140, payment confirmation server 150, financial institution association server 160, external institution and association server 165, financial institution server 170 and mutual cooperation evaluation server 180.

The original contract is made between the client and the first partner, the supply contract is made between the first and second suppliers, and the sales contract is made between the second and third suppliers.

The client server 110 registers the original contract as the original contract is made with the primary partner terminal 120 and transmits a signal to the payment confirmation server 110 to notify that the original contract has been made.

The payment confirmation server 110 receives the notification signal of the original contract, generates contract information, and transmits the contract information to the financial institution server 170 through the financial institution linked server 160.

The financial institution server 170 generates a fixed account, a prepaid management account or a redemption account in response to receiving the contract information. A fixed account according to an embodiment of the present invention is an account that receives payment from the client according to the agreement with the electronic payment service, which is withdrawn only through the financial institution linked server, and the down payment management account is the prepayment of the first and second partners. It is an account that manages and separates the money and is withdrawn only through the financial institution linked server, and the repayment account is an account that allows the first partner to freely withdraw and withdraw the electronic payment issued in cash.

The orderer server 120 registers the supply contract information between the primary partner terminal 120 and the secondary partner terminal 130 and transmits the registered supply contract information to the payment confirmation server 150.

The payment confirmation server 150 receives the supply contract information and matches the first contract information to generate second contract information which is contract conclusion information between the first partner terminal 120 and the second partner terminal 130. do.

The payment confirmation server 150 transmits the second contract information to the financial institution server 170 through the financial institution linking server 160.

Thereafter, the financial institution server 170 generates a receiving account in response to receiving the second contract information.

In addition, the payment confirmation server 150 receives the sales contract information between the second partner terminal 130 and the third partner terminal 140, the first contract information and the second contract information in connection with the Generates third contract information that is contract conclusion information between the second partner terminal 130 and the third partner terminal 140.

The payment confirmation server 150 transmits the third contract information to the financial institution server 170 and the guarantee institution server 180 through the financial institution linking server 160.

The financial institution server 170 creates an account upon receiving the third contract information.

As described above, each account is generated according to the type of contract between the terminals.

Subsequently, when the payment confirmation server 150 receives the payment instruction signal from the primary partner terminal 120 or the secondary partner terminal 130, the payment confirmation server 150 receives the payment instruction signal and the The first contract information, the second contract information or the third contract information is matched and transmitted to the financial institution server 170.

The payment confirmation server 150 receives the payment result from the financial institution server 170 to the primary partner terminal 120 or the secondary partner terminal 130 and transmits the result to the client server 110.

Therefore, the client server 110 may receive a payment result between the terminals.

On the other hand, when the client server 110 is not linked with the payment confirmation server 150, the contract information, order information and tax invoice information from the primary partner terminal, secondary partner terminal or tertiary partner terminal registration information Explain the process of approval.

First, a contract, order form, tax invoice and deposit certificate approved by the payment server 150 from the primary partner terminal 120, the secondary partner terminal 130, or the tertiary partner terminal 140 as the official certificate of each partner Receive data.

The payment confirmation server 150 transmits the received contract information, order information, tax invoice and deposit receipt data to the financial institution server 160 through the financial institution linked server, and also receives the received contract, order, tax invoice, and the like. Save the deposit data.

Subsequently, when the payment payment server 150 receives the payment instruction signal from the first partner terminal 120 or the second partner terminal 130, the contract, order form, tax invoice and deposit receipt data are linked to each other. Transfer to the financial institution server 170.

The payment confirmation server 150 receives a payment result from the financial institution server 170 to the first partner terminal 120 or the second partner terminal 130.

Therefore, even when the ordering server 110 is not linked to the payment confirmation server 150, the payment confirmation server 150 is contract information from the primary partner terminal, secondary partner terminal or tertiary partner terminal. In addition, registration and order information and tax invoice information can be registered and approved.

The following describes how to make electronic payments to the first supplier before paying the order.

The payment confirmation server 150 receives and registers the donation request details from the secondary partner terminal 130, and receives the donation request signal from the primary partner terminal 120.

The client server 110 checks the construction details of the established period, and the payment payment server determines whether the ready-made payment is approved using the confirmation result.

When the payment confirmation server 150 approves the payment of the ready money as a result of the determination, and then the first partner terminal 120 transmits the electronic payment payment instruction signal, the payment payment server 150 instructs the electronic payment payment instruction. Receives a signal and transmits it to the financial institution linked server 160.

The financial institution linked server 160 transmits the electronic payment issuance instruction signal to the financial institution server 170 when the electronic payment payment instruction signal is received.

When the financial institution server 170 receives the electronic payment issuance instruction signal, the financial institution server 170 connects the first contract information and the second contract information to the primary partner terminal 120 via the financial institution linked server 160. And the result of executing the electronic payment to the payment confirmation server 150 via the financial institution linked server 160.

When the payment confirmation server 150 receives the execution result information of the electronic payment, the payment confirmation information is registered and the issuance information of the electronic payment is notified to the third-party partner terminal and external user terminal through SMS.

In addition, if the payment check server 150 approves the payment of the ready-made result, the primary partner terminal may deposit the cash in the repayment account of the financial institution server 170.

Thereafter, upon receiving the ready-made payment instruction signal from the first partner terminal 120, it is determined whether the ready-made payment to the first partner terminal 120 is appropriate.

If it is determined that the ready-made payment is appropriate, the payment check server 150 transmits a payment transfer instruction to the financial institution linked server 160.

When the financial institution linked server 160 receives the payment transfer instruction, the financial institution linked server 160 transmits a payment transfer instruction from the repayment account to the receiving account of the secondary partner terminal 130 to the financial institution server 170.

When the financial institution server 170 receives a command for the transfer of funds from the repayment account to the general account of the secondary partner terminal 130, the financial institution server 170 executes the transfer of funds from the repayment account to the general account of the secondary partner terminal 130. do.

The financial institution server 170 transmits the result of the payment transfer to the payment confirmation server 150 via the financial institution linked server 160.

Therefore, the payment confirmation server 150 receives the result of executing the payment and notifies the third party partner terminal and the external user terminal through SMS.

From now on, the method of distributing the price at the time of paying the order will be explained.

When the client server 110 pays the down payment to the fixed account of the financial institution server 170, and the first partner terminal 120 or the second partner terminal 130 transmits a prepayment request signal to the client server, The confirmation server 150 receives payment information from the orderer server 110 and transmits the payment information to the financial institution server 170 through the financial institution linked server 160.

Subsequently, when the payment check server 150 receives the payment information and confirms the payment request, transfer the payment of the fixed account to the payment management account, and determine whether the payment is appropriate according to the payment request signal. When the prepayment is appropriate as a result of the determination, the payment payment server 150 transmits the received prepayment request signal to the financial institution linked server 160.

The financial institution linked server 160 receives the prepayment request signal, and if the prepayment request signal is a signal for requesting a prepayment from the primary partner terminal 120, the financial institution server 170. ), And if the prepayment request signal is a signal for requesting prepayment from the secondary partner terminal 130, a payment signal to a receiving account of the secondary partner terminal is transmitted to the financial institution server 170.

The financial institution server 170 transfers the down payment of the prepayment management account to the repayment account upon receiving the repayment account transfer signal, and receives the prepayment of the prepayment management account from the secondary partner terminal upon receiving the general account payment signal. Transfer to your account.

Thereafter, the financial institution server 170 transmits the result of the transfer to the payment confirmation server side.

The payment confirmation server 150 notifies the third partner terminal and the external user terminal through SMS of the transfer of the second partner terminal to the receiving account.

From now on, the method of distributing the ready-made funds at the time of paying the order will be described.

When the client server 110 transfers the funds to the fixed account of the financial institution server 170, the financial institution server 170 receives the funds payment information from the payment confirmation server.

When the financial institution server 170 receives the ready-made payment information, the financial institution server 170 repays the electronic payment issued in association with the first contract information between the client server 110 and the primary partner terminal 120.

The financial institution server 170 transmits the repayment details of the electronic payment to the payment confirmation server 150 through the financial institution linked server 160.

The payment confirmation server 150 registers payment payment confirmation information as the payment details of the electronic payment are received.

The payment check server 150 receives payment request information from the orderer server 110 and confirms as a ready-made payment request, and maintains the ready-made amount remaining after repaying the electronic payment in a fixed account.

When the payment payment server 150 receives the donation request signal from the first partner terminal 120 or the second partner terminal 130, the payment confirmation server 150 determines whether the payment is appropriate according to the offer payment request signal.

The payment payment server 150 transmits the received payment request signal to the financial institution linked server 160 when the payment is appropriate.

The financial institution linked server 160 receives the ready-made payment request signal, and if the received ready-payment request signal is a signal for requesting a ready-made money from the primary partner terminal 120, the financial institution server 170 transmits a repayment account transfer signal. And if the ready-made payment request signal is a signal for requesting a ready-made money from the secondary partner terminal 130, the payment signal to the receiving account of the secondary partner terminal 130 is transmitted to the financial institution server 170. .

When the financial institution server 170 receives the redemption account transfer signal, the funds from the fixed account are transferred to the redemption account. When the financial institution server 170 receives the payment signal to the receiving account, the secondary partner terminal 180 transmits the ready money of the fixed account. Transfer to your general account.

The financial institution server 180 transmits the result of executing the transfer to the payment confirmation server 150 side.

The payment confirmation server 150 notifies the third partner terminal 140 and the external user terminal of the fact that the second partner terminal transfers to a general account through SMS.

After that, the second payment method of payment of trading partners will be described.

The third partner terminal 140 registers a sales contract with the payment confirmation server 150 and transmits a billing signal to the second partner terminal 130.

The payment confirmation server 150 registers the electronic payment payment instruction when the payment request signal is received from the secondary partner terminal 130.

Subsequently, the payment check server 150 determines the adequacy of the registered electronic payment payment instruction by checking the linkage between the original contract and the supply and demand contract, and when it is determined that the registered electronic payment payment instruction is appropriate, the financial Send the electronic payment issuance instructions to the institution linked server (160).

The secondary partner terminal 130 deposits cash in the general account of the financial institution server 170, the financial institution linked server 160 receives the electronic payment issuance instruction and sends it to the financial institution server 170, the financial The institution server 170 receives the electronic payment issue instruction and issues the electronic payment.

The payment check server 150 determines the adequacy of the registered selling price transfer instruction by checking the connection between the original contract and the supply and demand contract.

If it is determined that the registered selling price transfer instruction is appropriate, the payment confirmation server 150 transmits the electronic payment issuance instruction to the financial institution linked server 160.

The secondary partner terminal 130 deposits cash in the general account of the financial institution server 170.

Thereafter, the financial institution linked server 160 transmits the registered selling price transfer instruction using the cash of the general account.

Accordingly, the financial institution server 170 receives the selling price transfer instruction and executes the transfer to the account of the third cooperative terminal 140.

After that, we will check the adequacy of payment and explain how to apply the screening and submit the data to external organizations and association servers.

The financial institution server 170 generates payment information including timely payments and payments of subcontract payments according to the payment and electronic payment issuance and repayment of the first and second partner terminals 120 and 130, The payment information is transmitted to the payment confirmation server 150 through the financial institution linked server 160.

The payment confirmation server 150 receives and registers payment information from the financial institution server 160, or deposits information from the first partner terminal 120, the second partner terminal 130, and the third partner terminal 140. Receive and register.

The payment check server 150 determines the adequacy of the payment processing of the primary partner terminal 120 and the electronic payment payment process of the primary partner terminal 120 by comparing the payment information with preset payment reference information. In addition, the adequacy of the payment processing of the second partner terminal 120 and the electronic payment payment process of the second partner terminal 120 is determined with reference to the payment information.

When the payment check server 150 determines that the payment processing of the primary partner terminal 120 and the secondary partner terminal 130 is appropriate, it generates information confirming that the payment is appropriate.

Subsequently, when the payment confirmation server 150 receives a request for payment adequacy confirmation information from an external agency and association server 165, the payment confirmation server 150 sends the payment adequacy confirmation information to a financial institution linked server. The financial institution linked server 160 transmits the payment adequacy confirmation information to the external institution and the association server 165.

The external organization and the association server 165 receives the payment payment adequacy confirmation information and makes a database.

2 is a view for explaining the configuration of the payment server 150 and the financial institution linked server 160 according to an embodiment of the present invention.

The payment server 150 is configured to include an orderer management unit 151, a primary partner management unit 152, a secondary partner management unit 153 and a tertiary partner management unit 154.

The orderer management unit 151 includes a contract information management module, payment status management module, payment adequacy confirmation module, notification module, supply contract ready-made billing confirmation module, institutional data submission approval module, and original contract, order document, tax invoice, deposit receipt approval module. do.

The contract information management module manages original contract information entered into by the client and the primary partner.

The payment status management module transmits the payment contract information signed by the first and second suppliers, the payment details paid by the client to the first partner to the financial institution linked server, and the supply contract received from the first partner terminal. Verify the information.

Payment adequacy check module is to verify and confirm the billing details requested by the second supplier to the first partner, receiving payment details between the 1st, 2nd and 2nd and 3rd suppliers collected through the financial institution linked server or 1 On the basis of the receipt received from the secondary and secondary partner terminal, the payment adequacy check and output of proof data, the related information, external notification (SMS, official letter), and the result of proper payment are analyzed.

The notification module receives notification from the primary, secondary, and tertiary partner terminals of contracts between primary, secondary, and tertiary partners.

Receipt Contract The ready billing confirmation module receives and confirms the ready-made claim according to the contract of supply and demand between the first and second suppliers.

The institutional data submission approval module approves the institutional data submission request received from the primary partner terminal and extracts and provides the payment adequacy confirmation data according to the submission form.

The original contract, order form, tax invoice, and deposit approval module approve the contents of the original contract, order document, tax invoice and deposit receipt received from the primary partner terminal when the client server is not connected.

The primary supplier management unit 152 is a contract status management module, payment check module, original contract, order form, tax invoice, deposit registration module, supply contract billing confirmation / approval module, supply contract registration / approval module, order approval module, Consists of a module for submitting data from external organizations.

The contract status management module checks the original contract information concluded with the client and the supply and demand contract information concluded between the first and second partners.

The payment confirmation module confirms the receipt information and the payment information paid to the second supplier.

The original contract, order form, tax invoice, and deposit receipt module register the contents of the original contract / order document / tax invoice / deposit receipt when the ordering server is not linked and request the client's approval.

The receipt contract billing confirmation / approval module accepts billing information, receipt contract information, order form information, and tax invoice information received from the secondary partner terminal.

Supply contract registration / approval module registers and approves an apprenticeship contract between a primary partner terminal and a secondary partner terminal.

The order approval module approves the order information received from the primary partner terminal.

The application module for submitting data to external organizations requests data from the client to submit to the external organizations and associations evidence of the adequacy of the payment of the contract with the client.

The secondary supplier management unit 153 is a contract status management module, payment payment module, primary billing registration / confirmation module, receipt contract registration / confirmation module, order book registration module, tax invoice, deposit receipt registration / confirmation module, secondary payment It includes a billing approval module and a sales contract registration / approval module.

The contract status management module inquires the original contract information signed by the client and the first partner, supply and demand contract information concluded by the first and second suppliers, and trading information concluded by the second and third suppliers.

The payment confirmation module checks the payment information paid by the client to the first partner, receipt information received from the first partner, and payment information paid to the third partner.

The first billing registration / confirmation module registers the details of billing to the first partner and inquires the approval result.

Supply contract registration / confirmation module registers the supply contract with the primary partner and inquires the approval result.

Order book registration module registers the order information received from the secondary partner terminal.

The tax invoice and the deposit receipt registration / confirmation module approve the tax invoice information and the deposit receipt information received from the secondary partner terminal.

The secondary billing approval module approves the billing information received from the secondary partner terminal.

The third-party partner management unit 154 includes a second billing registration / confirmation module, a contract status management module, a payment check confirmation module, and a sales contract registration / confirmation module.

The second billing registration / confirmation module registers the details of billing to the second partner and inquires the approval result.

The contract status management module can query the original contract information entered into by the client and the first supplier, supply and demand contract information entered into by the first and second suppliers, and trading information entered into by the second and third suppliers.

The payment confirmation module may register sales contract information, billed information, order form, tax invoice information, and deposit information with a second supplier.

The sales contract registration / confirmation module registers the sales contract concluded with the third partner and inquires the approval result.

The financial institution linked server 160 includes the first supplier electronic payment management unit 161, the first supplier electronic payment management unit 162, the third supplier electronic payment management unit 163, and the payment confirmation server information relay management unit 164. do.

The first supplier electronic payment management unit 161 is configured to include a supply contract payment payment module and an electronic payment management module.

The payment contract payment instruction module instructs the purchaser to transfer the money to be paid to the second partner among the funds deposited in the designated account in the name of the first partner of the linked financial institution or to the general account of the first partner.

The electronic payment management module implements the electronic payment function that is paid to the second business partners as a payment method supported by a contract with a financial institution.

The primary supplier electronic payment management unit 162 includes a purchase contract payment order module, an electronic payment management module, and a billing information management module.

The Transaction Contract Payment Instruction module directs the second supplier to transfer the funds from the linked financial institution account of the second partner to the third partner account for cash payment to the third partner.

The Electronic Payment Management Module is a payment method supported by a contract with a financial institution.

Billing information management module implements a function to manage the billing details of the third-party partner to be linked to the payment order.

The third-party supplier electronic payment management unit 163 includes a billing information management module, and the billing information management module implements an electronic payment inquiry function for confirming details and repayment of payment methods paid by the second supplier. .

The payment confirmation server information relay management unit 164 includes a contract information relay module, a payment information relay module, a billing information relay module, a payment result information relay module and an external agency data submission information relay module.

The contract information relay module provides the original contract information, supply contract information, and sales information received through the payment confirmation server to the financial institution server and the guarantee institution server.

The payment information relay module provides payment information paid by the client to the financial institution server and the guarantee institution server.

The billing information relay module provides the financial institution server and the guarantee institution server with information that the second supplier billed to the first partner and information that the second partner billed to the third partner.

The payment result information relay module provides the payment confirmation server with the payment result and payment result through the payment method and payment method from the financial institution server.

The external module data submission information relay module sends the evidence of adequacy of payment of the first supplier to external organizations and association servers to the external organizations and associations at the request of the first supplier.

3 is a flowchart illustrating a contract and payment information linking method and a financial institution account linking method according to an embodiment of the present invention.

The client server registers the original contract as the original contract is made with the first partner terminal, and transmits the notification signal to the payment confirmation server (S301).

The payment confirmation server receives the notification signal according to the original contract and generates contract information (S302).

Thereafter, the payment confirmation server provides the contract information to the financial institution server via the financial institution linked server (S303).

The financial institution server generates a fixed account, a down payment management account or a repayment account in response to receiving the contract information (S304). In this case, the fixed account according to an embodiment of the present invention is an account that receives payment from the orderer and withdraws only through the linked financial institution to the account in accordance with the electronic payment service, prepayment management account is the primary and secondary partners This is an account that manages and separates the down payment, which is to be withdrawn only through the linked institution of the financial institution, and the repayment account is an account that allows the primary partner to freely withdraw and withdraw the electronic payment issued by his cash.

The client server registers the supply contract information between the primary partner terminal and the secondary partner terminal, and transmits the registered supply contract information to the payment confirmation server (S305).

The payment confirmation server receives the supply contract information, generates second contract information that is contract conclusion information between the secondary partner terminals by matching the first contract information, and additionally registers it (S306).

The payment confirmation server transmits the second contract information to the financial institution server through the financial institution linked server (S307).

The financial institution server generates a receiving account in response to receiving the second contract information (S308).

In addition, the payment confirmation server receives and registers the sales contract information between the second partner terminal and the third partner terminal (S309), and the second partner terminal in connection with the first contract information and the second contract information. And additionally generates third contract information, which is agreement information between the third party and the third party terminal (S310).

Thereafter, the payment confirmation server transmits the third contract information to the financial institution server and the guarantee institution server through the financial institution linked server (S311).

The financial institution server generates an account in response to receiving the third contract information (S312).

As described above, each account is generated according to the type of contract between the terminals.

Subsequently, the payment confirmation server receives and registers a payment instruction signal from the first partner terminal or the second partner terminal (S313), and the payment confirmation server receives the payment instruction signal and the first contract information and the first payment information. 2 contract information or the third contract information is matched and transmitted to the financial institution server (S314).

The payment confirmation server receives the payment result from the financial institution server to the first partner terminal or the second partner terminal and transmits the result to the client server.

Thus, the client server may receive a payment result between the terminals (S315).

4 is a flowchart illustrating a method of registering and approving a contract, order form, and tax invoice when the client server is not interworking according to an exemplary embodiment of the present invention.

In more detail, Figure 4 is registered / contract information, order information and tax invoice information from the primary partner terminal, secondary partner terminal or tertiary partner terminal when the client server is not linked to the payment confirmation server / This is a flow chart for explaining the process of approval.

First, when the primary partner terminal sends a contract, order and tax invoice, deposit receipt approved by each partner's official certificate (S401), the payment confirmation server registers and approves the contract, order, tax invoice and deposit data. (S402).

Thereafter, the payment confirmation server transmits the contract, order, tax invoice and deposit data to the financial institution server through the financial institution linked server (S403).

The payment confirmation server generates and registers contract information, order information and tax invoice information using the contract, order, tax invoice and deposit data (S404).

In addition, when the secondary partner terminal transmits the contract, order, tax invoice and receipt data (S405), the payment confirmation server receives the contract, order and tax invoice, registers and approves (S406).

Thereafter, the payment confirmation server transmits the contract, order and tax calculation to the financial institution server through the financial institution linked server (S407).

The payment payment server generates and registers contract information, order information, tax invoice, and deposit data using the contract, order, tax invoice and deposit data (S408).

In addition, when the third partner terminal transmits a contract, order and tax invoice (S409), the payment confirmation server receives and registers and approves the contract, order, tax invoice and bill data (S410).

Thereafter, the payment confirmation server transmits the contract, order, tax invoice and deposit data to the financial institution server through the financial institution linked server (S411).

The payment confirmation server generates and registers contract information, order information, tax invoice and bill data using the contract, order, tax invoice and bill data (S412).

Therefore, even if the client server is not linked with the payment confirmation server, the payment confirmation server is contract information, order information, tax invoice and deposit data from the primary partner terminal, secondary partner terminal or tertiary partner terminal. The information can be registered and approved and used as confirmation information for payment adequacy.

5 is a flowchart illustrating a method of paying an electronic payment to a first partner before paying a purchaser according to an embodiment of the present invention.

The payment confirmation server receives the registered donation details from the secondary partner terminal (S501), and receives the confirmed donation signal from the primary partner terminal (S502).

The client server 110 checks the construction details of the established period, and the payment payment server determines whether the ready-made payment is approved using the confirmation result.

If the determination result is approved to pay the ready-made money, after the first partner terminal sends an electronic payment payment signal, the payment confirmation server receives the electronic payment payment signal and transmits to the financial institution linked server ( S503, S504).

When the payment payment server verifies the appropriateness of the ready-made payment instruction (S505), the financial institution linked server transmits an electronic payment issuance instruction signal to the financial institution server (S506).

When the financial institution server receives the electronic payment issue instruction signal, the financial institution server links the first contract information with the second contract information and issues the electronic payment to the first partner terminal via the financial institution linked server, and executes the electronic payment. The result is transmitted to the payment confirmation server via the financial institution linked server (S507).

Upon receiving the execution result information of the electronic payment, the payment confirmation server notifies the third-party partner terminal and the external user terminal of the issuance result information of the electronic payment through SMS (S508), and registers payment confirmation information (S509). ).

In addition, if the payment confirmation server approves the payment of the ready-made result, the primary partner terminal deposits the cash in the repayment account of the financial institution server (S510).

In order to process the repayment for the use of the payment method, the registered funds payment instruction is registered from the first partner terminal (S511, S512), and it is determined whether the paid funds to the first partner terminal is appropriate (S513).

If it is determined that the payment of the ready-made payment is appropriate, the payment confirmation server sends a payment transfer instruction to the financial institution linked server, and the financial institution linked server receives the payment transfer instruction from the repayment account. Instructions for transferring the charge to the receiving account of the secondary partner terminal (S514).

When the financial institution server receives a command for the transfer of money from the repayment account to the general account of the secondary partner terminal, the financial institution server executes a payment transfer from the repayment account to the general account of the secondary partner terminal (S515).

The financial institution server transmits the result of the payment transfer to the payment confirmation server via the financial institution linking server, and the payment confirmation server transmits the issuance result information of the electronic payment through the SMS to the third partner company. Notify the terminal and the external user terminal (S516).

Therefore, the payment confirmation receives the result of the payment transfer and registers payment confirmation information (S509).

6 is a flowchart illustrating a method of distributing the price at the time of payment of the orderer according to an embodiment of the present invention.

In order to pay the purchaser's price (prepayment / fund, completion), the payment is made to the fixed account of the first partner of the financial institution server (S601), and when the orderer server transmits the payment information (S602), the payment confirmation server is the above. Receive payment information and delivers to the financial institution server through the financial period linked server (S603).

Subsequently, when the payment payment server 150 receives the payment information and confirms the payment request, the payment is transferred to the payment management account (S604).

Subsequently, the prepayment request is registered (S605). If the prepayment is appropriate by determining whether the prepayment is appropriate according to the prepayment request signal, the payment confirmation server sends the received prepayment request signal to the financial institution linked server. Transmit (S606, S607).

A financial institution linked server receives the prepayment request signal, and if the prepayment request signal is a signal for requesting a prepayment from the first partner terminal, transmits a repayment account transfer signal to the financial institution server, and requests the prepayment payment. If the signal is a signal for requesting advance payment from the secondary partner terminal, the payment signal to the receiving account of the secondary partner terminal is transmitted to the financial institution server.

Accordingly, the financial institution server transfers the down payment of the prepayment management account to the repayment account upon receiving the repayment account transfer signal, and receives the prepayment of the prepayment management account by the secondary partner terminal upon receiving the general account payment signal. Transfer to the account (S608).

The payment confirmation server 150 notifies the third partner terminal and the external user terminal of the transfer to the receiving account of the second partner terminal through SMS (S609).

The financial institution server transmits the result of executing the transfer to the payment confirmation server side (S610).

In addition, when the payment payment server receives the ready-made payment request signal from the first partner terminal or the second partner terminal, the ready-made funds are maintained in a fixed account, and the ready-made payment according to the ready-made payment request signal is judged as appropriate. (S611).

The payment confirmation server transmits the received funds payment request signal to a financial institution linked server if the funds paid are appropriate as a result of the determination, and the financial institutions linked server receives the ready funds payment request signal, and the ready funds payment request signal. Is a signal for requesting a ready-made money from the first partner terminal, and transmits a repayment account transfer signal to the financial institution server; The payment signal to the receiving account is transmitted to the financial institution server.

When the financial institution server receives the redemption account transfer signal, the funds from the fixed account are transferred to the redemption account, and when the general account payment signal is received, the funds from the fixed account are transferred to the general account of the secondary partner terminal (S612). ).

Thereafter, the payment server checks the donation request of the first supplier terminal (S614) as the second supplier terminal registers the donation request (S614), and accordingly determines the approval of the donation (S615). ) When receiving the payment instruction from the primary partner terminal, the registration is registered and the appropriateness of the payment instruction is verified (S616 and S617).

If the payment confirmation server determines that the ready-made payment instruction is appropriate, the financial institution linked server transmits a payment transfer instruction (S618), and the payment payment server 150 transfers the general account of the secondary partner terminal 120 to the general account. The fact is notified to the third partner terminal 130 and the external user terminal through SMS (S619).

The financial institution server receives the payment transfer instruction, executes the account transfer, and receives a result thereof (S620).

7 is a flowchart illustrating a repayment method for the electronic payment of the primary partner in accordance with an embodiment of the present invention.

In response to receiving the electronic payment request of the second supplier (S701), when the client server transfers the funds to the fixed account of the financial institution server, the financial institution server maintains the funds to the fixed account (S702).

When the client server transmits the transfer information of the ready money to the payment confirmation server (S703), the payment payment server transmits the transfer information of the ready money to the financial institution server through the financial institution linked server (S704).

When the financial institution server receives the transfer information of the ready-made money, the financial institution server repays the electronic payment related to the original contract between the client server and the primary partner terminal (S705), and the repayment details of the electronic payment through the financial institution linked server. The payment is sent to the payment confirmation server (S706).

The payment confirmation server registers payment payment confirmation information according to the payment details of the electronic payment (S707).

On the other hand, if an electronic payment event due to maturity occurs before the payment of the purchaser's intellect (S708), the client's server receives the electronic payment request signal from the secondary partner terminal and the client's server deposits cash in the repayment account of the financial institution server. (S709).

The financial institution server repays the electronic payment using the cash of the deposited repayment account (S710), and transmits the repayment result of the electronic payment using the cash to the payment confirmation server through the financial institution linked server (S711). .

Accordingly, the payment payment server registers the repayment result of the electronic payment (S707).

8 is a flowchart illustrating a method for payment of a trading price of a secondary supplier according to an embodiment of the present invention.

The third supplier terminal registers a sales contract with the payment confirmation server (S801), and transmits a payment request signal to the second partner terminal (S802).

The payment confirmation server registers an electronic payment payment instruction when receiving the sales billing signal from the secondary partner terminal (S803).

Thereafter, the payment confirmation server checks the linkage between the original contract and the supply and demand contract to determine the adequacy of the registered electronic payment instruction (S804), and when the determination is determined that the registered electronic payment instruction is appropriate, Send the electronic payment issuance instructions to the institution linked server (S805).

The secondary partner terminal 130 deposits cash in the general account of the financial institution server 170, the financial institution linked server receives the electronic payment issuance instruction and transmits it to the financial institution server, and the financial institution server sends the electronic payment. An electronic payment is issued by receiving the issue instruction (S806).

Thereafter, when the electronic payment occurs due to maturity (S807), when the client server deposits cash for payment of the second partner's payment in the general account of the financial institution server (S808), the financial institution server is deposited in the general account. Repay the electronic payment through maturity (S809).

The financial institution server transmits the result of repaying the electronic payment due to the maturity to the financial institution linked server, and the financial institution linked server receives the result of repaying the electronic payment due to the maturity and transmits it to the payment confirmation server (S810). ).

The payment confirmation server receives the result of repaying the electronic payment due to the maturity and registers payment confirmation information (S811).

In addition, if the payment confirmation server receives the sales billing signal from the secondary partner terminal 130, register the payment order transfer (S812).

The payment check server checks the linkage between the original contract and the supply and demand contract to determine the adequacy of the registered selling price transfer instruction. The payment transfer instruction is transmitted (S813).

If the secondary partner terminal deposits cash in the general account of the financial institution server (S814), and the financial institution linked server transmits the registered selling price transfer instruction using the cash of the general account (S815), the financial institution server Receives the sales price transfer instruction and executes the account transfer (S816), the payment confirmation server registers the payment payment confirmation information accordingly (S811).

From now on, we will explain how to manage labor costs and notify payment.

The first partner terminal transfers the payment to the dedicated labor cost account of the second partner terminal and sends labor payment information to the payment confirmation server.

Thereafter, the primary partner terminal notifies the third partner terminal and the external user terminal of the labor transfer fact by SMS.

The third partner terminal transmits a delivery billing signal to the second partner terminal, and the payment confirmation server receives the delivery billing signal from the second partner terminal, and the delivery billing signal is a labor request signal. If confirmed, register labor transfer order.

Accordingly, the payment check server checks the linkage between the original contract and the supply contract to determine the appropriateness of the registered labor cost transfer instruction. The payment confirmation server transmits the electronic payment transfer instruction to the financial institution linked server when it is determined that the registered labor cost transfer instruction is appropriate.

When the second partner terminal deposits cash into the labor cost payment-only account of the financial institution server, the financial institution linked server sends the registered labor cost transfer instruction using the cash of the labor cost payment-only account, and the financial institution server sends the labor cost. Receive the transfer instruction and executes the transfer to the account of the third partner terminal.

Therefore, the third supplier terminal can receive the SMS notification and labor costs accordingly.

9 is a flowchart illustrating a method of confirming the adequacy of payment according to an embodiment of the present invention, and submitting data to external organizations and association servers by applying a screening test.

The financial institution server generates payment information including timely payment and payment of subcontract payment according to the payment and electronic payment issuance and repayment of the first and second partner terminals, and the payment information is linked to the financial institution linked server. When the payment is sent to the payment confirmation server, the payment confirmation server receives and registers payment information from the financial institution server, or receives and registers the payment information from the primary partner terminal, secondary partner terminal, and tertiary partner terminal. (S901, S902).

The payment check server compares the payment information with the predetermined payment reference information to determine adequacy of the payment transfer processing of the first partner terminal and the electronic payment payment processing of the first partner terminal (S903 and S904).

In addition, the payment confirmation server determines the adequacy of the payment transfer processing of the secondary partner terminal and the electronic payment payment process of the secondary partner terminal with reference to the payment information (S905, S906).

When the payment check server determines that the payment processing of the first and second partner terminals is appropriate, the payment confirmation server generates information confirming that the payment is appropriate (S907).

Subsequently, when the payment confirmation server receives a request for submitting data for payment adequacy confirmation from external organizations and association servers, it confirms and approves it (S908, S909), and the payment payment server checks the payment adequacy checking information. The financial institution linked server (S910), the financial institution linked server transmits the payment adequacy confirmation information to the external institution and the association server, the external institution and association server 165 receives the payment adequacy confirmation information. To database (S911).

On the other hand, if the payment confirmation server does not receive payment information from the financial institution server, the payment confirmation server receives the payment information from the first partner terminal, the second partner terminal and the third partner terminal (S912). ).

The payment confirmation server registers payment information using the received payment information (S913), and determines the adequacy of the payment transfer processing of the first and second partner terminals with reference to the payment information. (S914, S915).

When the payment check server determines that the payment processing of the first and second partner terminals is appropriate, the payment confirmation server generates information confirming that the payment is appropriate (S907).

Subsequently, the payment check server configures the qualification test score of the first partner using the information confirming that the generated payment is appropriate (S916).

In the present invention as described above has been described by the specific embodiments, such as specific components and limited embodiments and drawings, but this is provided to help a more general understanding of the present invention, the present invention is not limited to the above embodiments. For those skilled in the art, various modifications and variations are possible from these descriptions. Accordingly, the spirit of the present invention should not be construed as being limited to the embodiments described, and all of the equivalents or equivalents of the claims, as well as the following claims, belong to the scope of the present invention .

110: client server
120: primary partner terminal
130: secondary partner terminal
140: tertiary partner terminal
150: payment confirmation server
160: server linked to financial institutions
165: external agency and association servers
170: financial institution server
180: assurance agency server

Claims (8)

Registering, by the client server, the original contract information with the primary partner terminal, and transmitting the registered original contract information to the payment confirmation server;
Receiving, by the payment confirmation server, the original contract information and generating first contract information which is contract conclusion information between the orderer server and the primary partner terminal;
The payment confirmation server transmitting the first contract information to a financial institution server through a financial institution linked server;
As the financial institution server receives the first contract information, the fixed payment account that contracts the electronic payment service and receives the payment from the client, the down payment management account that separates and manages the down payment of the first and second suppliers, the first supplier Generating a repayment account for freely depositing and withdrawing and managing repayment of the issued electronic payment with cash;
Registering, by the client server, supply contract information between the first partner terminal and the second partner terminal, and transmitting the registered supply contract information to the payment confirmation server;
Receiving, by the payment confirmation server, the supply contract information and matching the first contract information to generate second contract information which is contract conclusion information between the first partner terminal and the second partner terminal;
Transmitting, by the payment confirmation server, the second contract information to the financial institution server through a financial institution linked server;
Generating a receiving account as the financial institution server receives the second contract information;
The payment confirmation server receives the sales contract information between the second partner terminal and the third partner terminal, by linking the first contract information and the second contract information between the second partner terminal and the third partner terminal Generating third contract information which is contract conclusion information;
Sending, by the payment confirmation server, the third contract information to the financial institution server and the guarantee institution server through a financial institution linked server; And
Generating a receiving account by the financial institution server in response to receiving the third contract information;
Control method of the financial institution linked payment check system including a. Receiving, by the payment server, a contract, order form, tax invoice and deposit data approved by each partner's official certificate from the first partner terminal, the second partner terminal, or the third partner terminal;
Transmitting, by the payment confirmation server, the received contract, order, tax invoice and deposit data to a financial institution server through a financial institution linked server;
Storing, by the payment confirmation server, the contract, order, tax invoice, and deposit data information;
When the payment confirmation server receives the payment instruction signal from the first partner terminal or the second partner terminal, the payment instruction signal is linked to the financial institution server by linking the contract, order form, tax invoice, and receipt data. Transmitting; And
Receiving, by the payment confirmation server, the payment result from the financial institution server to the first partner terminal or the second partner terminal;
Control method of the financial institution linked payment check system including a. The payment payment server receives and registers the donation details from the secondary partner terminal;
Requesting confirmation of the construction details of the ready period to the ordering server when the payment confirmation server receives the donation request signal from the primary partner terminal;
Checking, by the client server, the construction details of the ready-made period, and determining whether the payment payment server has approved the ready-made payment by using the check result;
When the payment confirmation server approves the payment of the ready-made money, the first supplier terminal transmitting an electronic payment instruction signal;
Receiving, by the payment payment server, the electronic payment payment instruction signal and transmitting to a financial institution linked server;
Transmitting, by the financial institution linked server, an electronic payment issuance instruction signal by linking the first contract information and the second contract information to a financial institution server when the electronic payment payment instruction signal is received;
When the financial institution server receives the electronic payment issue instruction signal, issuing the electronic payment to the primary partner terminal via the financial institution linked server;
Transmitting, by the financial institution server, the result of issuing the electronic payment to the payment confirmation server via the financial institution linked server;
Registering the payment confirmation information when the payment confirmation server receives the issue result information of the electronic payment; And
The payment confirmation server notifying the third-party partner terminal and external user terminal of the issuance result information of the electronic payment through SMS;
Including,
After determining whether to approve the ready-made payment,
When the payment confirmation server approves the payment of the ready-made money, the first partner terminal depositing own cash in the repayment account of the financial institution server;
When the payment payment server receives a ready-made payment instruction signal from the first partner terminal, determining whether the ready-made payment to the first partner terminal is appropriate;
The payment check server transmits a command for payment transfer to the financial institution linked server if it is determined that the ready payment is appropriate;
When the financial institution linked server receives the command to transfer the payment, transmitting a command to transfer the payment from the repayment account to the receiving account of the secondary partner terminal;
When the financial institution server receives a command for the transfer of money from the repayment account to the general account of the secondary partner terminal, executing a transfer from the repayment account to the general account of the secondary partner terminal;
Transmitting, by the financial institution server, the result of executing the payment to the payment confirmation server via the financial institution linked server; And
Notifying the third-party partner terminal and external user terminal via SMS of the result of executing the payment by the payment confirmation server;
Control method of the financial institution linked payment check system including a. The client server deposits a down payment in a fixed account of the financial institution server;
Transmitting, by the primary partner terminal or the secondary partner terminal, a request signal for prepayment or a ready-made payment to the client server;
Receiving payment payment information from the ordering server and transmitting the payment information to a financial institution server through a financial institution linking server;
Transferring the down payment of the fixed account to a down payment management account when the payment confirmation server receives the payment information and confirms the down payment request;
When the payment confirmation server receives a prepayment request signal from the first partner terminal or the second partner terminal, determining whether the prepayment according to the prepayment request signal is appropriate;
If the prepayment is appropriate as a result of the determination, transmitting the received prepayment request signal to a financial institution linked server by the payment confirmation server;
The financial institution linked server receives the prepayment request signal, and if the prepayment request signal is a signal for requesting a prepayment from the primary partner terminal, transmits a repayment account transfer signal to the financial institution server, and pays the prepayment. If the request signal is a signal for requesting advance payment from the secondary partner terminal, transmitting a payment signal to a receiving account of the secondary partner terminal to the financial institution server;
When the financial institution server receives the redemption account transfer signal, the prepayment of the down payment management account is transferred to the redemption account, and when the payment signal to the receiving account is received, the down payment of the down payment management account is received by the secondary partner terminal. Transferring to an account;
Transmitting, by the financial institution server, a result of executing the transfer to the payment confirmation server side; And
The payment confirmation server notifies the third partner terminal and the external user terminal via SMS of the transfer to the receiving account of the second partner terminal.
Control method of the financial institution linked payment check system including a. The client server transferring the ready-made funds to the fixed account of the financial institution server;
Receiving, by the financial institution server, payment information from a payment payment server;
If the financial institution server receives the ready-made payment information, redeeming the electronic payment issued in association with the first contract information between the client server and the first partner terminal;
Transmitting, by the financial institution server, the repayment details of the electronic payment to the payment confirmation server through the financial institution linked server; And
Registering payment confirmation information as the payment confirmation server receives the payment details of the electronic payment;
The payment confirmation server receives the payment request information from the orderer server is confirmed as a ready-made payment request to maintain the remaining ready-made funds in the fixed account after repaying the electronic payment;
When the payment payment server receives a donation request signal from the first partner terminal or the second partner terminal terminal, determining whether the payment is appropriate according to the ready-made payment request signal;
The payment check server transmitting the received ready payment request signal to a financial institution linked server if the ready payment is appropriate as a result of the determination;
If the financial institution linked server receives the ready-made payment request signal, and the ready-made payment request signal is a signal for requesting a ready-made money from the primary partner terminal, a repayment account transfer signal is transmitted to the financial institution server, and the ready-payment payment is made. If the request signal is a signal for requesting a donation from the secondary partner terminal, transmitting a payment signal to a receiving account of the secondary partner terminal to the financial institution server;
When the financial institution server receives the redemption account transfer signal, transfers the funds from the fixed account to the redemption account. When the financial institution server receives the payment signal to the receiving account, the funds from the fixed account are transferred to the general account of the secondary partner terminal. Doing;
Transmitting, by the financial institution server, a result of executing the transfer to the payment confirmation server side; And
The payment confirmation server notifies the third partner terminal and the external user terminal via SMS of the transfer to the general account of the secondary partner terminal
Control method of the financial institution linked payment check system including a. Registering, by the third partner terminal, a sales contract with the payment server;
Transmitting, by the third partner terminal, a delivery billing signal to a second partner terminal;
Registering the electronic payment instruction when the payment confirmation server receives the delivery billing signal from the secondary partner terminal;
Determining, by the payment confirmation server, adequacy of the registered electronic payment payment instruction by confirming the connection between the original contract and the supply contract;
The payment confirmation server transmits an electronic payment issuance instruction to a financial institution linked server if it is determined that the registered electronic payment payment instruction is appropriate;
Receiving, by the financial institution linked server, the electronic payment issuance instruction and transmitting the received instruction to a financial institution server; And
The financial institution server receiving the electronic payment issuing instruction and issuing an electronic payment
Including,
After the third partner terminal transmits a delivery billing signal to the second partner terminal,
When the payment confirmation server receives the delivery charge request signal from the secondary partner terminal, registering a transfer payment order;
Determining, by the payment confirmation server, adequacy of the registered delivery price transfer instruction by checking the connection between the original contract and the supply contract;
The payment confirmation server transmits the electronic payment transfer instruction to the financial institution linked server if it is determined that the registered delivery price transfer instruction is appropriate;
Depositing cash into a general account of the financial institution server by a secondary partner terminal;
Transmitting, by the financial institution linked server, the registered delivery price transfer instruction using the cash of the general account; And
Receiving, by the financial institution server, the transfer payment instruction and executing a transfer to an account of the third partner company terminal;
Control method of the financial institution linked payment check system including a. The first partner terminal transfers the payment to the labor costs dedicated account of the second partner terminal and sends the labor payment information to the payment confirmation server;
The first partner terminal notifying the third partner terminal and the external user terminal of the labor cost transfer fact by SMS;
Transmitting, by the third partner terminal, a delivery billing signal to the second partner terminal;
Receiving the payment request signal from the second payment company terminal by the payment confirmation server, and registering the labor cost transfer instruction when the delivery payment request signal is confirmed as a labor request signal;
Determining, by the payment confirmation server, adequacy of the registered labor cost transfer instruction by checking the connection between the original contract and the supply contract;
If it is determined that the registered labor cost transfer instruction is appropriate, the payment confirmation server transmits an electronic payment transfer instruction to a financial institution linked server;
Depositing, by the secondary partner terminal, cash in a labor-only payment account of the financial institution server;
Transmitting, by the financial institution linked server, the registered labor cost transfer instruction using cash of the labor payment account; And
The financial institution server receiving the labor cost transfer instruction and executing a transfer to an account of the third partner terminal;
Control method of the financial institution linked payment check system including a. The financial institution server generates payment information including timely payment and payment of subcontract payment according to the payment and electronic payment issuance and repayment of the first and second partner terminals, and the payment information is linked to the financial institution linked server. Transmitting to the payment confirmation server through;
Receiving, by the payment confirmation server, the payment information from the financial institution server, or registering and receiving deposit information from the first partner terminal, the second partner terminal, and the third partner terminal;
Determining, by the payment confirmation server, comparing the payment information with preset payment reference information to determine adequacy of the payment transfer processing of the first partner terminal and the electronic payment processing of the first partner terminal;
Determining, by the payment confirmation server, adequacy of the payment processing of the secondary partner terminal and the electronic payment payment process of the secondary partner terminal by comparing the payment information with preset payment reference information;
Generating, by the payment confirmation server, payment adequacy checking information for confirming that the payment is appropriate if the payment processing of the first and second partner terminals is appropriate;
Receiving, by the payment confirmation server, a request for payment adequacy confirmation information from an external organization and an association server;
Sending, by the payment confirmation server, the payment payment adequacy confirmation information to a financial institution linked server;
Transmitting, by the financial institution linked server, the payment adequacy checking information to the external institution or the association server; And
The external organization and the association server receiving and paying the database for payment adequacy confirmation information;
Control method of the financial institution linked payment check system including a.

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