KR20180127732A - Method and program of managing collateralized sales products based on server - Google Patents

Abstract

A method for managing a collateralized sales product based on a server comprises: a step of receiving a valuation request for a sales product by a service server; a collateral range setting step of setting a collateral range corresponding to a collateral loan amount in a sales product group based on a valuation result, wherein the collateral range is the whole or a part of the sales product group; a step of setting a respective sales product included in the collateral range as a delivery prohibited target in the sales product group entered when a loan for a seller is provided from a loan company; and a step of requesting a user client to guide that the respective sales product is the delivery prohibited target when a delivery request for the sales product in the collateral range is received.

Description

[0001] METHOD AND PROGRAM OF MANAGEMENT COLLATERIZED SALES PRODUCTS [0002] BASED ON SERVER [0003]

The present invention relates to a method and a program for managing a sales item set as a server-based security.

Generally, companies are lending property as collateral for securing liquidity funds, but there are limitations on lending due to premise of real estate collateral. In case of small companies such as SMEs, It is difficult to secure it.

As an alternative to these difficulties, financing is being made with mortgage loans. In the case of mortgage-backed loans, companies that do not have a real estate-based mortgage lending practice will be able to borrow mortgages and stocks, .

A mortgage loan means that a company provides raw materials and products in factories or warehouses as collateral, in addition to land and buildings that are real estate, and borrows a certain amount corresponding to the movable property collateral from a financial institution such as a bank.

However, it is difficult to judge the value of movables for setting up mortgage lien, and there is a problem that there is no systematic management function for the mova market in the disposition of movables. Therefore, there is a need for a mortgage lending scheme through the possession and transaction of trustworthy personal property.

Published Japanese Patent Application No. 10-2004-0082879, September 30, 2004

The problem to be solved by the present invention is that the conventional mortgage-related financial products consist of real estate mortgages. However, recently, as a mortgage loan product for a movable property is utilized, a mortgage is set as a security and a loan is provided , There is a need to manage personal property set as collateral.

Accordingly, the present invention provides a method and a program for managing a sales item set as a server-based security.

The problems to be solved by the present invention are not limited to the above-mentioned problems, and other problems which are not mentioned can be clearly understood by those skilled in the art from the following description.

According to an aspect of the present invention, there is provided a method of managing an article set as a server-based collateral, the method comprising: receiving a value evaluation request for a sale item from a service server; The security range corresponding to the amount of the mortgage loan in the group is set in a security range setting step in which the security range is all or part of the group of the sale goods, Setting a sales item to be shipped to the seller client when the shipment request for the merchandise in the collateral range is received; and informing the seller client that the merchandise is subject to shipment restriction, , Which is a commodity that is put on the storage place of the collateral management service provider before the execution of the loan, Wherein the sales article group is a set of a plurality of sales articles and is managed by being divided into a collateral range and a sellable range, the sales articles within the sellable range are shipped according to a seller request, It is restricted from the storage place.

According to an embodiment of the present invention, the valuation result is calculated based on at least one of a transaction result evaluation, a prospective purchase price evaluation, a product evaluation, and a financial evaluation of the sales item.

The method may further include reducing the coverage range based on the remaining amount of the loan when a portion of the amount of the secured loan is repaid according to an embodiment of the present invention.

Further, the method may further include, when a seller fails to pay the obligation, requesting sale of the sale item within the coverage range based on the estimated purchase price received from the affiliate company according to an embodiment of the present invention.

In addition, according to an exemplary embodiment of the present invention, a penalty may be given to an affiliate that has proposed an amount of money that is different from an average value of the expected purchase price received from a plurality of affiliates, which is different from a certain range.

According to an embodiment of the present invention, there is provided a method of automatically registering goods to a service server, the method comprising: requesting automatic registration of goods to one or more online shopping mall servers linked to a sales product; receiving order information from the online shopping mall; And requesting delivery.

In addition, the method further includes a step of allowing the output of the storage of the sales item as the collateral for the lien holder account, and setting the seller account to receive the approval of the lien upon outputting the storage receipt for the seller account.

It also includes being stored on a medium for execution in combination with a computer, which is hardware, in accordance with an embodiment of the present invention.

Other specific details of the invention are included in the detailed description and drawings.

According to the present invention as described above, the following various effects are obtained.

First, there is an effect of preventing a seller from presenting a false article by providing a loan service by evaluating the value of a movable object such as an article and a product to be sold.

Second, it is effective to improve the financing condition for the seller by providing the secured loan service by setting the sales item produced by the seller as the collateral.

Third, it is possible to manage the management and progress of secured sales items, thereby preventing the damage of investors due to default, and providing a reliable service.

The effects of the present invention are not limited to the above-mentioned effects, and other effects not mentioned can be clearly understood by those skilled in the art from the following description.

FIG. 1 is a connection diagram of a method of managing an article set as a server-based security according to an embodiment of the present invention.
FIG. 2 is a flowchart schematically illustrating a method of managing an article set as a server-based collateral according to an embodiment of the present invention.
FIG. 3 is a flowchart schematically illustrating a method of managing an article set as a server-based security, further reducing the coverage range according to another embodiment of the present invention.
FIG. 4 is a flowchart schematically illustrating a method of managing a server-based collateralized item, which further includes a step of requesting sale of a sale item within a collateral range according to a default default in accordance with another embodiment of the present invention.
FIG. 5 is a flowchart schematically illustrating a method of managing a server-based collateralized item, further including a step of automatically registering a sales item according to another embodiment of the present invention in an online shopping mall server interlocked.
FIG. 6 is a flowchart schematically illustrating a method of managing a server-based secured product, which includes setting a seller's account to receive approval from a security holder when outputting a storage card according to another embodiment of the present invention.
7 is a block diagram schematically illustrating a configuration of a mortgage service server according to an embodiment of the present invention.

BRIEF DESCRIPTION OF THE DRAWINGS The advantages and features of the present invention, and the manner of achieving them, will be apparent from and elucidated with reference to the embodiments described hereinafter in conjunction with the accompanying drawings. It should be understood, however, that the invention is not limited to the disclosed embodiments, but may be embodied in many different forms and should not be construed as limited to the embodiments set forth herein, Is provided to fully convey the scope of the present invention to a technician, and the present invention is only defined by the scope of the claims.

The terminology used herein is for the purpose of illustrating embodiments and is not intended to be limiting of the present invention. In the present specification, the singular form includes plural forms unless otherwise specified in the specification. The terms " comprises "and / or" comprising "used in the specification do not exclude the presence or addition of one or more other elements in addition to the stated element. Like reference numerals refer to like elements throughout the specification and "and / or" include each and every combination of one or more of the elements mentioned. Although "first "," second "and the like are used to describe various components, it is needless to say that these components are not limited by these terms. These terms are used only to distinguish one component from another. Therefore, it goes without saying that the first component mentioned below may be the second component within the technical scope of the present invention.

Unless defined otherwise, all terms (including technical and scientific terms) used herein may be used in a sense that is commonly understood by one of ordinary skill in the art to which this invention belongs. In addition, commonly used predefined terms are not ideally or excessively interpreted unless explicitly defined otherwise.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

FIG. 1 is a connection diagram of a method of managing an article set as a server-based security according to an embodiment of the present invention.

Referring to FIG. 1, a method of managing goods set as a server-based collateral can be performed by connecting the client 100, the service server 200, and the lending company 300 through a network.

The network connecting the client 100, the service server 200 and the lending company 300 in both directions may be a wired or wireless Internet, a network system integrated with a wired public network, a wireless mobile communication network, or a portable Internet, An open computer network structure that provides HTTP (Hyper Text Transfer Protocol), FTP (File Transfer Protocol), DNS (Domain Name System), and the like. The network is not limited to the above-described communication method, and may include any type of communication method widely known or developed in addition to the communication method.

The client 100 is a seller client which can transmit and receive predetermined data using a two-way communication service through a network. The client 100 may be a computing device such as a desktop PC, a notebook PC, a tablet PC, a kiosk, or the like capable of transmitting and receiving predetermined data by accessing the service server 200 or the lenders 300 through a wired or wireless network, A wired / wireless communication network having a user interface for connecting to and connecting to a service server 200 or a lending company 300, such as a cellular phone, a smart phone, and a PDA (Personal Digital Assistant) A home appliance / communication device, but is not limited thereto.

The service server 200 means a server operated by a service company. The service provider may provide the seller with a mortgage on the basis of a collateral group (e.g., one or more sale items) via the service server 200. The mortgage loan may be performed by the service server 200 in a manner that directly transmits the amount of the mortgage loan established by the lender by sending and receiving information related to the goods to be sold by the lender and the seller or from a plurality of investors When the mortgage loan amount is reached through crowdfunding, it can be done by P2P loan method, but it is not limited to it. In addition, the service company can provide a storage place for storing and storing a group of collateral goods, which is a seller's merchandise. In other words, the service server 200 can manage the sales items of the seller set as the secured goods group to be stocked and delivered to the storage place. Here, the item to be sold may be set as a security for a mortgage loan as an item to be sold by a seller, and may be an article to be stocked at a deposit place of the mortgage management service provider before execution of the loan.

The loan company 300 means a company that provides the loan amount. For example, the loan company 300 may be a financial company including a bank or a company that provides loan amount by collecting investors by crowdfunding loan amount. It is not. The lending company 300 transmits and receives information related to the sales item set in the coverage range corresponding to the secured loan amount of the service server 200 and the seller, and transmits the information of the secured goods group set as the security through the service server 200 Based on the amount of the mortgage loan can be provided to the seller.

FIG. 2 is a flowchart schematically illustrating a method of managing an article set as a server-based collateral according to an embodiment of the present invention.

Referring to FIG. 2, a method of managing an article set as a server-based collateral includes a step S510 of receiving a value evaluation request for a sale item from the service server 200; Setting a coverage range corresponding to the amount of the secured loan in the group of goods to be sold based on the evaluation result (S520); Setting (S 530) an individual sale item included in the coverage range in the group of goods to be shipped when a loan to a seller is provided from a lending company as a shipment restriction object; And a step S540 of requesting the user client to inform the user client that the product is to be shipped when the shipment request for the item of sale in the coverage range is received. Hereinafter, a detailed description of each step will be described.

The service server 200 receives a request for valuation of the item to be sold (S510). The service server 200 may receive a value evaluation request for one or more sales items to be provided as collateral for the mortgage loan from the client 100 and perform the value evaluation. The value evaluation may be performed through an evaluation program that can be performed by the service server 200 itself, or may be performed by an external evaluation company, but the present invention is not limited thereto. Hereinafter, the value evaluation will be described in detail later.

The valuation may evaluate at least one of a transaction result evaluation, a prospective purchase price evaluation, a product evaluation, and a financial evaluation based on information data of the seller's sales item (for example, sales quotation, sales volume, etc.).

Specifically, the transaction result evaluation is based on the extraction of information data such as the sales volume, the sales period, and the sales party, and applying a discount rate, which is a rate to be discounted at the time of sale according to the sales article type, Can be calculated.

Estimated purchase price estimates can be calculated based on each prospective purchase price offered by buyers to purchase the sale item and the discount rate at which each buyer applies the discount when selling the sale item. The purchaser may be, but is not limited to, an exporter, wholesaler, distributor, or dumping company pre-registered through the service server 200. For example, exporters, wholesalers, distributors, and dumping companies can sell goods at different discount rates, among which dumping companies may have the lowest amount of goods sold, The discount rate applied to the buyer is higher than that of other buyers.

A product evaluation is an evaluation related to the sales market and sales trend of the seller's goods. It is an evaluation of information on the status of the goods to be sold, including sales quotes, sales volume, functionality, differentiation, design, .

The financial evaluation can evaluate the seller's financial information based on the information data based on the seller's credit information, income information, company rating, and financial statements.

Also, the transaction result evaluation and the estimated purchase price evaluation can be used to calculate the mortgage loan amount to the seller based on the evaluation result value, and the product evaluation and the financial evaluation can be used to calculate the interest rate of the mortgage loan amount to the seller . Therefore, it is possible to perform a comprehensive evaluation for the seller's mortgage loan by calculating the appropriate loan amount, the appropriate loan period, and the appropriate interest rate according to the result of the valuation.

Based on the result of the evaluation, a security range corresponding to the amount of the secured loan is set in the group of goods to be sold (S520). The service server 200 can set a coverage range corresponding to the amount of the secured loan in the group of goods based on at least one evaluation result of the transaction result evaluation, the estimated purchase price evaluation, the product evaluation, and the financial evaluation of the seller's goods have. In addition, the service server 200 can manage the goods sold by the seller in a storage place provided by the service company. At this time, the coverage may be all or part of the group of goods sold. Also, the group of goods to be sold can be a set of a plurality of items to be sold, and can be managed by dividing into a coverage range corresponding to the amount of the secured loan and a range of available sales that the seller can sell. The scope of coverage and the scope of sale can be managed separately by label or serial number that can identify each. That is, the sales items within the sellable range can be issued according to the seller's request, and the sales items included in the coverage range may be restricted when the service server 200 is not authorized.

In step S530, the lending company 300 sets the individual sales items included in the secured range in the received goods group when the lender for the seller is provided in step S530. If the lending company 300 provides the lending to the seller in accordance with the sales item guarantee setting of the seller, the service server 200 stores the individual sale items included in the secured range in the storage group As shown in FIG.

When a goods issue request for a sale item in the coverage range is received, the seller client is requested to be notified of the goods issue restriction (S540). The service server 200 can provide a guidance that, when a goods issue request for a sale item in a secured range set in the sale article group is received, the seller object is set as a security range and the goods issue is restricted to the seller client.

FIG. 3 is a flowchart schematically illustrating a method of managing an article set as a server-based security, further reducing the coverage range according to another embodiment of the present invention.

Referring to FIG. 3, the method according to another embodiment of the present invention further includes a step S550 of reducing the coverage range according to the repayment of the secured loan amount. The service server 200 may reduce the coverage range corresponding to the amount of the secured loan in the group of goods to be sold in accordance with all or part of the repayment of the amount of the secured loan by the seller. In other words, the seller's mortgage loan amount is set as security and can repay all or part of the mortgage loan amount as sales proceeds from the sales of all or part of the sales items in the coverage range stored in the service company's storage place. The service server 200 reduces the security range of the sales product group to a security range corresponding to the remaining amount of the secured loan based on the remaining amount of the secured loan based on the repayment in the entire secured loan amount at the time of partial repayment of the secured loan amount by the seller .

FIG. 4 is a flowchart schematically illustrating a method of managing a server-based collateralized item, which further includes a step of requesting sale of a sale item within a collateral range according to a default default in accordance with another embodiment of the present invention.

Referring to FIG. 4, a method according to another embodiment of the present invention further includes a step S560 of requesting sale of a sale item in a coverage area in accordance with a default. When the seller fails to pay a mortgage loan, the service server 200 sends a payment request to the seller client 200 to sell the sale item within the coverage range based on the estimated purchase price of the sale item received from the partner company affiliated with the service server 200 Can be requested. An affiliate affiliated with the service server 200 may be one of an exporter, a distributor, a wholesaler, and a dumping company registered in advance in the service server 200, but is not limited thereto. That is, the service server 200 may receive the estimated purchase price for purchasing the sale item proposed by the affiliate, and may propose to the seller to sell the sale item in the coverage range based on the received estimated purchase price. The expected purchase price may be received from a plurality of affiliates through real-time bidding or auction bidding, and the seller may receive and confirm the prospective purchase price proposed by the affiliate from the service server 200 and accept or reject the prospective purchase price. At this time, when the service server 200 receives the estimated purchase price from a plurality of affiliates, the service server 200 may assign a penalty to the affiliate that proposes an amount of money that deviates by more than a specific range from the average value of the plurality of estimated purchase prices. The service server 200 may apply a penalty to an affiliate that proposes a standard deviation from an average value of the estimated purchase price as an amount of difference exceeding a specific range, for example, a penalty for restricting the purchase for a predetermined period, But it is not limited to this. In addition, the service server 200 may provide a certain point to the partner company that proposes the estimated purchase price, so that the service server 200 can utilize it in the sale process of the sale article.

FIG. 5 is a flowchart schematically illustrating a method of managing a server-based collateralized item, further including a step of automatically registering a sales item according to another embodiment of the present invention in an online shopping mall server interlocked.

Referring to FIG. 5, a method according to another embodiment of the present invention further includes a step (S570) of automatically requesting an online shopping mall server to be interlocked with a sales item. The service server 200 may request the automatic registration of the sales item to one or more online shopping mall servers that are pre-linked to the service server 200 when the seller's goods are received. That is, the merchandise can be automatically registered as an article on an online shopping mall server such as an online marketplace where the seller can order and sell the merchandise online. Also, the service server 200 can receive the order information to be ordered by the buyer through the online shopping mall server, and can request the delivery of the sale item within the available range according to the received order information. Therefore, the service server 200 can sell and manage sales items within the sellable range of the seller.

FIG. 6 is a flowchart schematically illustrating a method of managing a server-based secured product, which includes setting a seller's account to receive approval from a security holder when outputting a storage card according to another embodiment of the present invention.

Referring to FIG. 6, a method according to another embodiment of the present invention further includes setting (S580) a step of setting up a seller account to receive a mortgage approval upon outputting a deposit receipt. The service server 200 can set the seller who accesses through the merchant account to output the approval of the security owner when requesting the output of the storage card for the sale item included in the security range set for the security card holder account. Storage receipts for the goods held in the storage place of the service provider may be provided by the seller or the lien by connecting to the respective accounts and outputting them. At this time, the output of the depository receipt for the sale items included in the coverage area may be restricted so that the seller can output the approval of the security owner so that it can not be output at will. That is, the lien may provide the management and confirmation of the items to be covered by the collateral scope. In addition, the voucher can be provided so as to be output including an encrypted code (for example, a QR code or an identification bar code). Accordingly, if the encrypted code portion is scanned through a camera or a device incorporating an optical device, the information data included in the encrypted code is recognized, and the authenticity of the stored storage card and the security range related to the storage card or the available range It is possible to provide the information of the set sales item itself so that it can be confirmed in real time.

7, the secured lending service server 400 includes a value evaluating unit 410, a collateral managing unit 420, and a loan providing unit 430, It is possible to perform a function of providing a loan directly.

The value evaluating unit 410 of the secured loan service server 400 may perform a value evaluation on the seller's sales item. The value evaluation of the seller by the service server 200 may be performed in the same manner as the method of performing the value evaluation of the goods to be sold by the service server 200. Accordingly, the secured loan service server 400 calculates the appropriate loan amount, the appropriate loan period, and the appropriate interest rate based on the value evaluation result calculated by the value evaluation unit 410, thereby obtaining a comprehensive Evaluation can be performed.

The collateral management unit 420 of the secured loan service server 400 can set the corresponding collateral range in the seller's group of goods. That is, the sales item of the seller corresponding to the secured loan amount calculated by the value evaluation unit 410 can be set as the secured goods group. In addition, a group of collateral items, which are sales items of a seller, can be stored in a storage place provided by a service provider for storage. That is, the secured loan service server 400 can manage the sales items of the seller set as the secured goods group to be put in and out of the storage place.

The lender providing unit 430 of the secured loan service server 400 can provide the secured loan amount to the seller in the P2P lending system based on the secured goods group set in the collateral management unit 420. [ Specifically, the loan provisioning unit 430 can generate a plurality of virtual accounts for the loan request amount for the collateral group of the seller, collect the investors, and receive the specific investment amount from the collected investors. If the investments received from the plurality of investors achieve the loan request amount based on the seller's collateral group, the amount of the loan request can be provided to the seller.

As described above, the method of managing a server-based secured product according to an embodiment of the present invention may be implemented as a program (or an application) in combination with a hardware computer and stored in a medium.

The above-described program may be stored in a computer-readable medium such as C, C ++, JAVA, machine language, or the like that can be read by the processor (CPU) of the computer through the device interface of the computer, And may include a code encoded in a computer language of the computer. Such code may include a functional code related to a function or the like that defines necessary functions for executing the above methods, and includes a control code related to an execution procedure necessary for the processor of the computer to execute the functions in a predetermined procedure can do. Further, such code may further include memory reference related code as to whether the additional information or media needed to cause the processor of the computer to execute the functions should be referred to at any location (address) of the internal or external memory of the computer have. Also, when the processor of the computer needs to communicate with any other computer or server that is remote to execute the functions, the code may be communicated to any other computer or server remotely using the communication module of the computer A communication-related code for determining whether to communicate, what information or media should be transmitted or received during communication, and the like.

The steps of a method or algorithm described in connection with the embodiments of the present invention may be embodied directly in hardware, in software modules executed in hardware, or in a combination of both. The software module may be a random access memory (RAM), a read only memory (ROM), an erasable programmable ROM (EPROM), an electrically erasable programmable ROM (EEPROM), a flash memory, a hard disk, a removable disk, a CD- May reside in any form of computer readable recording medium known in the art to which the invention pertains.

According to the present invention as described above, the following various effects are obtained.

First, there is an effect of preventing a seller from presenting a false article by providing a loan service by evaluating the value of a movable object such as an article and a product to be sold.

Second, it is effective to improve the financing condition for the seller by providing the secured loan service by setting the sales item produced by the seller as the collateral.

Third, it is possible to manage the management and progress of secured sales items, thereby preventing the damage of investors due to default, and providing a reliable service.

While the present invention has been described in connection with what is presently considered to be practical exemplary embodiments, it is to be understood that the invention is not limited to the disclosed embodiments, but, on the contrary, You will understand. Therefore, it should be understood that the above-described embodiments are illustrative in all aspects and not restrictive.

100: Client
200: service server
300: Loan company

Claims (8)

The service server receiving a valuation request for the item to be sold;
Setting a security range corresponding to the amount of the secured loan in the group of goods to be sold, based on the result of the valuation, wherein the secured range is all or a part of the group of goods to be sold;
Setting an individual sale item included in the secured range as a shipment restriction object in the group of goods to be shipped, when a loan is provided from the lending company to the seller;
And requesting the seller client to inform the seller client that the goods are to be shipped when the goods shipment request for the sale item in the collateral range is received,
The item to be sold is an article to be sold by the seller, which is an article to be placed in the storage place of the security management service provider before execution of the loan,
Wherein the sale article group is a plurality of sets of sale articles and is managed by being divided into a coverage range and a sellable range,
The sales items within the available sales range are shipped according to the seller's request,
And the sales items included in the coverage range are restricted at the storage place. The method according to claim 1,
Wherein the value evaluation result is calculated based on at least one of a transaction result evaluation, a prospective purchase price evaluation, a product evaluation, and a financial evaluation of the sales item. The method according to claim 1,
Further comprising the step of reducing the coverage range based on the remaining amount of the loan when a portion of the amount of the secured loan is repaid. The method according to claim 1,
Further comprising the step of, when the seller fails to fulfill the obligation, requesting sale of the sales item within the coverage range based on the estimated purchase price received from the affiliate company. 5. The method of claim 4,
Wherein a penalty is given to the affiliated company that proposed the amount of money that is different from the average value of the estimated purchase price received from the plurality of affiliated companies by a predetermined range or more. The method according to claim 1,
Requesting the service server to automatically register the goods in one or more online shopping mall servers linked to the sales goods; And
Further comprising: receiving order information from the online shopping mall, and requesting the goods to be shipped and delivered within the available selling range. The method according to claim 1,
Further comprising the step of: permitting the security holder account to output the storage of the sales item as collateral, and setting the seller account to receive the security owner's approval upon outputting the storage receipt for the seller account. 7. A server-based secured commodity management program stored in a medium for executing the method of any one of claims 1 to 7 in combination with a computer which is hardware.

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