KR20180029359A - A system and a method of escrow service establishing a pledge right - Google Patents

Abstract

The present invention relates to a system and a method for providing an escrow service by establishing a pledge right, and more specifically, to a system and a method for providing an escrow service by establishing a pledge right which can cease a pledge right, and can provide payment after safely completing a transaction by enabling a buyer and a supplier who trade goods to set the pledge right in an account in a name of a broker. According to the present invention, even a businessman with a small-scale business can utilize an escrow service on a private transaction by using a relatively safe financial institute system, and a financial institute such as a bank can expect a commission profit or the like by attracting a fixed deposit account and providing a service.

Description

TECHNICAL FIELD [0001] The present invention relates to an escrow service system and method, and more particularly,

The present invention relates to an escrow service system and method, and more particularly, to a system and method for an escrow service by setting a pledge, and more particularly, to a system and method for an escrow service by setting a pledge in an account in the name of an intermediary, And to provide an escrow service system and method by setting up a pledge to make payments possible.

The supply and payment of goods between the parties that trade goods, such as goods or services, is an act of simultaneous fulfillment, and there are various safeguards to prevent any delay in the implementation of any one party's implementation .

Traditionally, a supplier who produces and sells goods ends up receiving money immediately after delivering the goods to the consumer, where the relationship is terminated, either not being able to face each other at a remote location, or the fulfillment of obligations , The construction work, the provision of services, etc.), the intermediary for the delivery of the goods or the payment of the price may be placed in order to prevent the mutual obligation from being fulfilled. The safe transaction by such an intermediary is called escrow service.

1 is a block diagram showing a configuration of an escrow system according to the prior art.

In the service utilizing the escrow system according to the prior art, the contractor (debtor) concludes a construction contract with a client having a transaction.

In this case, if the contractor pays the advance payment in relation to the contract, the contractor is issued with a collateral guarantee for payment of the advance payment to the third party union, that is, the beneficiary (creditor) in order to guarantee it. Here, the advance payment refers to the amount of the amount paid by the ordering party and the contract to the consignor in advance. The contractor then pays the advancer the advance payment.

Next, the entrant subscribes to a specific money trust provided by the financial institution. Then, the financial institution completes the process of subscribing to the specific money trust by obtaining the creditor consent designated as the beneficiary of the specific monetary trust by the entrustor who is the collateral provider in accordance with the specification of the monetary trust.

When a financial institution asks for a partial or total cancellation of the collateral in accordance with a prearrangement between the entrustor and the beneficiary, the collateral is paid to the entrustor, including the trust interest, with the consent of the beneficiary, who is the creditor.

In this case, a special money intrust is a trust in which a financial institution allocates management profit after operating the funds deposited by a customer in accordance with the operating method and conditions specified by the customer. Escrow refers to a transaction protection service that relays a third party to ensure that transactions are smooth when the credit relationship between the buyer and the seller is uncertain.

However, this type of escrow service can be utilized by a financial institution when a party with a good financial strength and good credit, such as a government office or a large corporation, is able to obtain a transaction, but in transactions between small individual business operators, It is difficult to use services because it is not easy to conclude trust contracts.

Also, when there is not a great deal of mutual trust in the transactions between individuals, there are many cases in which the intermediary who does not guarantee the safety of the transaction is not trusted and the transaction is often difficult to be concluded.

KR 10-2012-0131126 A KR 10-2007-0065283 A

The present invention for solving the above-mentioned problems is characterized in that a customer requesting a supply of goods and an intermediary delegated from a supplier supplying goods subscribe to a periodic deposit for a transaction price, and a customer and a supplier submit a joint pledge And to provide an escrow service system and method by setting up a pledge for terminating the transaction after the completion of the supply of goods without abnormality and the execution of payment of the principal amount and the termination of the joint pledge.

The present invention also aims to provide an escrow service system and method by setting up a pledge so that the customer and the supplier can be a regular depositor or a pledgee without a broker and the transaction price can be safely protected until the transaction ends abnormally do.

According to an aspect of the present invention, there is provided an escrow service system in which a customer who sells goods and a supplier set a pledge in an account of an intermediary to maintain a transaction price until a transaction ends, A customer terminal 120 for depositing a transaction price determined according to a supply contract between the suppliers to the intermediary terminal 110 and requesting the intermediary terminal 110 to terminate the transaction after receiving the goods according to the supply contract; A supplier terminal (130) for requesting the intermediary terminal (110) to terminate the transaction after supplying the goods according to the supply contract to the consumer; And receives the transaction amount from the customer terminal 120 and deposits it in a term deposit account opened in the financial institution system 200. When the supply of the goods according to the supply contract is terminated, A mediator terminal (110) requesting termination; The financial institution system 200 sets a pledge with respect to the periodical deposit in a common name of the customer and the supplier.

The intermediary terminal 110 requests the financial institution system 200 to cancel the pledge for the time deposit according to the information input from the customer terminal 120 and the supplier terminal 130. [

According to another aspect of the present invention, there is provided an escrow service method in which a consumer who sells goods and a supplier set a pledge in an account of an intermediary to maintain a transaction price until the transaction ends, A first step of concluding a contract and depositing a transaction amount to the intermediary terminal 110 through the consumer terminal 120; A second step of the intermediary terminal (110) accessing the financial institution system (200) to establish a term deposit account in the name of the intermediary, and to deposit the transaction amount deposited by the consumer in the term deposit account; A third step of connecting the customer terminal (120) and the supplier terminal (130) to the financial institution system (200) and setting a pledge on the term deposit account with a common name of the customer and the supplier; When the supply of the goods according to the supply contract is terminated, the intermediary terminal 110 releases the joint pledge to the financial institution system 200 according to the information input from the customer terminal 120 and the supplier terminal 130 A fourth step of submitting the application; A fifth step of the intermediary terminal (110) requesting the financial institution system (200) to cancel the term deposit; And a sixth step of the intermediary terminal 110 receiving principal payments for the time deposit from the financial institution system 200 and paying the transaction price to the supplier terminal 130.

According to another embodiment of the present invention, there is provided an escrow service system in which a customer and a supplier who sell a good set a pledge in a fixed deposit account and maintain a transaction price until the transaction ends, A consumer terminal 310 for paying a predetermined transaction price, receiving a commodity according to the supply contract, and requesting the financial institution system 200 to terminate the transaction; A supplier terminal (320) for requesting the financial institution system (200) to terminate the transaction after supplying the goods according to the supply contract to the customer; The financial institution system 200 deposits the transaction amount received from the customer terminal 310 in a fixed deposit account of one of the customer or the supplier, The customer terminal 310 and the supplier terminal 320 request the financial institution system 200 to cancel the term deposit when the supply of the goods according to the supply contract is terminated, And the financial institution system 200 provides the transaction price to the provider terminal 320. [

According to another embodiment of the present invention, there is provided an escrow service method in which a customer and a supplier who sell a good set a pledge in a fixed deposit account and maintain a transaction price until the transaction ends, The customer connects to the financial institution system 200 through the consumer terminal 310 to open a periodic deposit account in the name of the consumer or the supplier and deposits the transaction amount in the term deposit account A first step; The financial institution system 200 may include a second step of setting a pledge on the term deposit with one name of the customer or the supplier; When the supply of the goods according to the supply contract is terminated, the financial institution system 200, according to the information inputted from the customer terminal 310 and the supplier terminal 320, ; A fourth step of the customer terminal (310) and the supplier terminal (320) requesting the financial institution system (200) to cancel the term deposit; And the financial institution system 200 provides the transaction amount to the provider terminal 320. [

According to the present invention, even a small-sized business having a small business can utilize an escrow service for private transactions by using a relatively safe financial institution system, and a financial institution such as a bank can receive commission income There is an expected effect.

1 is a block diagram showing the configuration of an escrow system according to the prior art;
2 is a block diagram showing a configuration of an escrow system according to a first embodiment of the present invention;
FIG. 3 is a flowchart showing a process of providing an escrow service using the escrow system of FIG. 2. FIG.
4 is a block diagram showing the configuration of an escrow system according to a second embodiment of the present invention;

Hereinafter, an escrow service system and method using pledge setting according to an embodiment of the present invention will be described with reference to the drawings.

FIG. 2 is a block diagram illustrating a configuration of an escrow system according to a first embodiment of the present invention, and FIG. 3 is a flowchart illustrating a process of providing an escrow service using the escrow system of FIG.

The escrow system 100 according to the first embodiment of the present invention comprises the intermediary terminal 110, the consumer terminal 120 and the supplier terminal 130, and the respective devices are connected to each other via the Internet or the like.

The intermediary, the consumer, and the supplier described in the present invention each mean an intermediary that provides an escrow service for the benefit of another, a consumer who purchases goods, or a provider that provides goods at a cost. The intermediary terminal 110, the consumer terminal 120, and the supplier terminal 130 are devices such as a PC, a notebook, a smart phone, a tablet PC, and a server, which are used by intermediaries, consumers, and suppliers.

The financial institution system 200 refers to a system of a bank, an insurance company, a securities company, a financial service provider, and the like, and provides financial services such as establishment of a term deposit or a pledge.

2 and 3, the configuration and service process of the escrow system 100 of the present invention will be described.

As shown in Figure 3, a consumer and a supplier enter into a supply contract for a specific commodity (goods, services, etc.) (①) The supply contract includes information on a party (consumer, supplier), goods to be traded, , Timing and terms of payment for the transaction, how to apply the escrow service, and liability for breach of warranty.

In the case of the transaction in which the supply of goods and the payment of the transaction amount are simultaneously performed, it is necessary to exchange the goods and the transaction amount while facing each other, so that the motivation to use the escrow service as in the present invention is weak. However, if it is difficult to provide goods and transactions at the same time, such as the construction of buildings, the delivery of production materials, and the provision of services that take a certain amount of time, it is necessary to safely secure the transaction price in advance.

In the present invention, it is assumed that a consumer pays a transaction price first, and a supplier supplies goods thereafter.

If the consumer and the supplier agree to use the escrow service of the present invention, the escrow service contract with the intermediary is made and the service is requested to be provided. (2) The consumer, the supplier, and the intermediary conclude the contract using the consumer terminal 120, the supplier terminal 130, and the intermediary terminal 110, respectively. And the process of depositing and paying the transaction price.

The intermediary uses the intermediary terminal 110 to access the financial institution system 200 and establishes a term deposit account in the name of the intermediary. (3) Since the name of the periodic deposit is an intermediary who is delegated by the consumer and the supplier, the consumer or the supplier may withdraw the deposited transaction money at will. I can not.

In general, term deposits are deposits that deposit the amount initially set in a financial institution for a fixed period of time, and pay interest that has been incurred while terminating the deposit when the term expires or the termination conditions occur.

In addition, the consumer and the supplier set the pledge as a common name (consumer, supplier) for the periodic deposit of the intermediary name (④)

Pledge is a security interest that a creditor receives from a debtor or a third party as collateral for a bond, and it can be set with respect to the right of assignment (bonds, shares, patents, etc.) with the movable property. For pledged pledged assets (pledges), the pledgee has the right to attract and dispose of the pledge in the event of default and receive the first payment. Also, the owner of the original bond can not dispose arbitrarily for pledged bonds.

The consumer and the supplier access the financial institution system 200 by using the consumer terminal 120 and the supplier terminal 130, input necessary information, and set the common pledge. If necessary, the intermediary can access the financial institution system 200 using the intermediary terminal 110, enter necessary information, or execute the agreement procedure.

When the settlement deposit of the transaction price is settled and the joint pledge for periodic deposit is completed, the supplier supplies the goods according to the contract to the consumer (⑤) The supplier constructs the goods according to the contents of the contract, Or provide specific services in the manner prescribed by the consumer.

If the supply of goods matches the intention of the consumer and the supplier, the consumer and the supplier request the transaction to the intermediary terminal 110 using the consumer terminal 120 and the supplier terminal 130. (6) Is performed through each terminal and a communication network.

The intermediary receives the transaction end request input via the intermediary terminal 110 and confirms that the request is a legitimate party's request.

If the inputted transaction request is a legitimate request, the intermediary accesses the financial institution system 200 using the intermediary terminal 110 and requests the revocation of the jointly-set pledge.

In order to terminate the pledge in the common name of the consumer and the supplier, the consent of both parties is required. The consumer and the supplier access the financial institution system 200 using the consumer terminal 120 and the supplier terminal 130, And inputs necessary information.

When the common pledge is terminated, the intermediary uses the intermediary terminal 110 to input an application for termination of the periodic deposit to the financial institution system 200. (8)

The financial institution confirms the information of the cancellation application and, if it is requested by a legitimate deposit account holder, terminates the periodic deposit and pays the principal amount to the account of the intermediary or the account set by the intermediary.

The intermediary who receives the principal payment pays the transaction price to the supplier using the intermediary terminal 110. (10) Usually, the transaction price will be smaller than the principal received by the intermediary.

This ends the supply of goods between the consumer and the supplier and the payment process of the transaction price.

The intermediary may receive a fixed fee in the contract of delivery of the escrow service. In some cases, a certain percentage of the amount deposited as a fixed deposit may be received as a commission or part of the transaction amount to be paid as the termination of the term deposit is received. In addition, the remaining portion of interest from the periodic deposit, excluding the principal, may be used as the proceeds of the intermediary.

In the case of a financial institution, as in the case of an intermediary, a predetermined amount or an amount corresponding to interest can be received as a commission, thereby making it possible to generate revenue by providing an escrow service.

4 is a block diagram showing the configuration of an escrow system according to a second embodiment of the present invention.

In the above-described embodiment, the intermediary received the delegation from the consumer and the supplier, and the customer and the supplier set a joint pledge for the periodical deposit, and the arbitrary disposal was prohibited.

In the second embodiment, it is assumed that there is no mediator separately. Usually, a simple system can be constructed because the financial institution that attracts the time deposit can be the intermediary.

Also in the second embodiment, the consumer and the supplier conclude a supply contract for the goods, and then request the escrow service. A financial institution that takes the role of an intermediary opens a periodic deposit while receiving the transaction price from the consumer. And set the pledge for the periodic deposit.

Table 1 below shows the names of the term deposits and pledges, and the customer and supplier can change roles differently.

In other words, if the supplier is the name of the periodic deposit, the pledge is set up in the name of the customer to prevent the unauthorized withdrawal of the periodic deposit. On the contrary, if the consumer is the holder of the term deposit, the supplier becomes the pledgee.

If the supply of goods between the consumer and the supplier is terminated normally, the consumer and the supplier jointly apply for the termination of the pledge and the termination of the periodic deposit, and the financial institution then pays the principal on the deposit account to the supplier.

The contents of the goods supply contract which are not explained in detail in the second embodiment, the periodic deposit opening and pledge setting process, the termination and payment of the periodic deposit, the processing of the principal, and the fee burden are the same as those in the first embodiment.

While the present invention has been described with reference to exemplary embodiments, it is to be understood that the invention is not limited to the disclosed embodiments, but, on the contrary, As will be understood by those skilled in the art. Therefore, it should be understood that the above-described embodiments are to be considered in all respects as illustrative and not restrictive, the scope of the invention being indicated by the appended claims rather than the foregoing description, It is intended that all changes and modifications derived from the equivalent concept be included within the scope of the present invention.

100, 300: escrow system 110: intermediary terminal
120, 310: customer terminal 130, 320: supplier terminal
200: Financial institution system

Claims (5)

An escrow service system in which the buyer and the seller who sell the goods set the pledge in the account of the intermediary and keep the transaction price until the transaction is terminated,
A customer terminal 120 for depositing a transaction price determined according to a supply contract between the customer and the supplier in the intermediary terminal 110 and requesting the intermediary terminal 110 to terminate the transaction after receiving the goods according to the supply contract, )Wow;
A supplier terminal (130) for requesting the intermediary terminal (110) to terminate the transaction after supplying the goods according to the supply contract to the consumer;
And receives the transaction amount from the customer terminal 120 and deposits it in a term deposit account opened in the financial institution system 200. When the supply of the goods according to the supply contract is terminated, A mediator terminal (110) requesting termination;
Wherein the financial institution system (200) sets a pledge with the common name of the customer and the supplier for the periodic deposit. The method according to claim 1,
Wherein the pledge for the time deposit is requested by the intermediary terminal (110) to the financial institution system (200) according to information input from the customer terminal (120) and the supplier terminal (130) Escrow service system through pledging. An escrow service method in which a consumer who sells a good and a supplier set a pledge on an account in the name of the broker and maintains the transaction price until the transaction ends,
A first step in which a customer and a supplier enter into a supply contract for goods and the customer pays the transaction amount to the intermediary terminal 110 through the consumer terminal 120;
A second step of the intermediary terminal (110) accessing the financial institution system (200) to establish a term deposit account in the name of the intermediary, and to deposit the transaction amount deposited by the consumer in the term deposit account;
A third step of connecting the customer terminal (120) and the supplier terminal (130) to the financial institution system (200) and setting a pledge on the term deposit account with a common name of the customer and the supplier;
When the supply of the goods according to the supply contract is terminated, the intermediary terminal 110 releases the joint pledge to the financial institution system 200 according to the information input from the customer terminal 120 and the supplier terminal 130 A fourth step of submitting the application;
A fifth step of the intermediary terminal (110) requesting the financial institution system (200) to cancel the term deposit;
And a sixth step of the intermediary terminal (110) receiving principal payments for the time deposit from the financial institution system (200) and paying the transaction price to the supplier terminal (130) Escrow service method. An escrow service system in which the buyer and the seller who sell and sell the goods set the pledge on the account of the fixed deposit and keep the transaction price until the transaction ends,
A customer terminal 310 for providing a transaction price determined according to a supply contract between the customer and the supplier, requesting the financial institution system 200 to terminate the transaction after receiving the goods according to the supply contract;
A supplier terminal (320) for requesting the financial institution system (200) to terminate the transaction after supplying the goods according to the supply contract to the customer;
The financial institution system 200 deposits the transaction amount received from the customer terminal 310 in a fixed deposit account of one of the customer or the supplier, In addition,
The customer terminal 310 and the supplier terminal 320 request the financial institution system 200 to cancel the term deposit when the supply of the goods according to the supply contract is terminated,
Wherein the financial institution system (200) pays the transaction value to the supplier terminal (320). An escrow service method in which a consumer and a supplier who sell and sell a good set a voucher in a fixed deposit account and maintain the transaction price until the transaction ends,
The consumer and the supplier enter into a supply contract for the goods and the consumer accesses the financial institution system 200 through the consumer terminal 310 to open a periodic deposit account in the name of the consumer or the supplier, Depositing a transaction amount to the time deposit account;
The financial institution system 200 may include a second step of setting a pledge on the term deposit with one name of the customer or the supplier;
When the supply of the goods according to the supply contract is terminated, the financial institution system 200, according to the information inputted from the customer terminal 310 and the supplier terminal 320, ;
A fourth step of the customer terminal (310) and the supplier terminal (320) requesting the financial institution system (200) to cancel the term deposit;
And a fifth step of the financial institution system (200) paying the transaction amount to the provider terminal (320).

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