KR20210133714A - A system for brokeraging trades and a method therefor - Google Patents

Abstract

The present invention relates to a system for mediating trades and a mediating method thereof. According to the present invention, the system comprises a central processing unit, a storage unit, a communication path with exporters and importers through the network, and a trade intermediary means intermediating trades between the exporters and the importers. The trade intermediary means is notified of conclusion of a trade contract between the exporter and the importer, is notified of a fact that a down payment is transferred and deposited according to the trade contract between the exporter and the importer, and determines to return the importer's down payment to the exporter when a first condition is satisfied. In addition, the transaction intermediary is notified of conclusion of a transaction contract between a seller and a buyer, is notified of a fact of down payment transfer and deposit according to the transaction contract between the seller and the buyer, and determines to remit the down payment between the seller and the buyer to the seller when a third condition is satisfied. Accordingly, transaction risk of both parties of transaction and mutual risk of parties of international trade transaction can be guaranteed.

Description

A SYSTEM FOR BROKERAGING TRADES AND A METHOD THEREFOR

The present invention relates to a transaction brokerage system and brokerage method, and specifically, a transaction brokerage system and brokerage method for preventing or reducing damages caused by non-performance of contracts between sellers and buyers participating in commodity transactions, and participation in international trade transactions It relates to a trade brokerage system and brokerage method for preventing or reducing damages caused by non-fulfillment of contracts between exporters and importers.

According to the payment method, there are trade methods other than the letter of credit, such as a trade method by letter of credit, a bill of acceptance, and a bill of payment, depending on the payment method.

Hereinafter, a trade method by letter of credit will be described with reference to FIG. 1 .

A letter of credit means that, at the request of the importer, the importer's bank allows the exporter to secure transport documents for a certain period and under certain conditions in order to facilitate the payment of trade transactions and the acquisition of goods. It is a certificate that confirms to the bill issuer (exporter) and the payee (the bank acquiring the bill) that the bill of exchange is to be issued by the issuing bank designated by the bank that handles foreign exchange transactions as the payer, and that it will be paid or accepted when the bill is presented.

1 is a view showing a trading method using a general letter of credit.

An exporter (1) and an importer (2) enter into a contract to trade goods. (S1) After signing the contract, the importer (2) requests the issuing bank (3) to issue a letter of credit (S2) The issuing bank (3) issues the letter of credit and sends the issued letter of credit to the advising bank. (S3) The advising bank notifies the exporter (1) of the issuance of the letter of credit. (S4) The fact of issuing the letter of credit After verification, based on the letter of credit, the exporter ships the exported goods and receives a bill of lading (B/L) from the shipping company ( S5). (S6) The notifying bank 4 sends the draft bill (B/L) to the issuing bank 3 (S7) after the issuing bank 3 receives the draft bill. When the importer pays the transaction price, the shipping documents are delivered to the importer 1 (S8). The issuing bank 3 remits the transaction amount to the notification bank 4 (S9), and the notification bank 4 ) pays the transaction price to the exporter (S10). Meanwhile, the importer receives the cargo by submitting the shipping documents received from the issuing bank to the shipping company (S11).

However, trade transactions based on such letters of credit help promote international trade transactions by guaranteeing credit between exporters and importers by financial institutions, but have the following problems.

First, the issuance of the letter of credit by the importer should be executed immediately after the contract, but the importer issues the letter of credit when the exporter completes the product and the shipment is imminent. There is this.

In other words, in actual business, the exporter does not open a letter of credit immediately after the conclusion of a contract, but opens a letter of credit when the production is substantially completed or almost complete and shipment is imminent. This case is more frequent in a market where buyers are dominant, and it occurs even when it is temporarily difficult to open an additional letter of credit because the importer has to urgently purchase the product, but the import order is excessive compared to the available funds. Even in this situation, although the exporter did not receive a letter of credit, it is common to proceed with production according to the trust of the importer. However, since the importer (buyer) does not open a letter of credit by the time promised, it is difficult to continue production or even cancel the import of goods, and the exporter (seller) is faced with an inventory burden. there are often In this case, the importer (buyer) can claim for damages, but it must take considerable time, cost, and effort, and in some cases give up if the amount is absolutely not large.

Second, there is a problem in that the importer's payment guarantee in a letter of credit transaction guarantees the exporter, but does not guarantee the exporter's product delivery guarantee to the importer. Even if the importer opens a letter of credit to guarantee payment, there may be cases where the exporter refuses to produce and deliver goods depending on the circumstances.

For example, in the case of generally circulating marketable raw materials, commodity prices are rising due to exchange rate fluctuations, supply shortages, and increased demand. If the promise and the reliability of the transaction are not important, and even if compensation for damages to the importer can be taken into account, the exporter can make a greater profit, the exporter will try to sell the finished product through other sales channels instead of delivering it. In addition, even if the cost of supply rises due to a rise in raw material prices or wages, there is a risk that exporters may demand an increase in the selling price or refuse to produce or deliver goods. Even in this case, the importer can claim compensation for damages, but time, cost, and effort must be tolerated, and if the amount is absolutely not large, it is often abandoned.

Third, even though the trade transaction by issuing a letter of credit guarantees the importer's credit, there is still a possibility that the importer's transaction price is not paid according to the issuance of the importer's letter of credit, causing unexpected damage to the exporter. have. In other words, even though the letter of credit is issued, the exporter is not entitled to the amount of the transaction due to the importer's own insufficient ability to pay for the transaction, the sudden loss of the issuing bank's ability to pay, or the letter of credit itself has a problem, such as when the letter of credit is a fraudulent letter of credit. There is a risk that this will not be paid properly.

That is, after the seller and the buyer enter into a product transaction contract, the seller bears the risk of non-payment if the seller produces and delivers the goods without guaranteeing the purchaser's transaction payment, and conversely, if the buyer pays the price in advance, the seller There is a problem in that the buyer bears the risk of not delivering the goods. Due to these problems, if there is no trust between the seller and the buyer, the transaction itself cannot be completed, or even if it does, it is difficult to expect a transaction of a certain size or more.

The present invention is to solve such a problem, and an object of the present invention is to provide a transaction brokerage system and a transaction brokerage method that guarantee the transaction risk of both parties in a commerce transaction.

Another object of the present invention is to provide a trade brokerage system and brokerage method that guarantees the mutual risk of the parties to an international trade transaction.

According to the present invention, it is possible to guarantee the transaction risk of both parties in a commerce transaction.

In addition, it can guarantee the mutual risk of the parties to an international trade transaction.

In addition, it is possible to ensure the risk of not being able to take over the sale proceeds of the exporter and the risk of not receiving the goods of the importer, thereby facilitating smooth international trade.

If the second condition is not satisfied, the transaction broker decides not to return the importer's down payment to the importer;

If the second condition is not satisfied, the transaction intermediary means decides to pay the importer's down payment to the exporter,

Preferably, the second condition is that the transaction intermediary means has been notified by the exporter that the issuance of the letter of credit from the importer has been confirmed.

The trade transaction contract information includes a down payment to be paid by the exporter and the importer to a transaction brokerage means or a financial institution affiliated with the transaction brokerage means,

The down payment is proposed or determined by the transaction intermediary means based on credit information of the exporter and importer,

Preferably, the down payment is determined by the exporter and the importer, and the transaction intermediary means determines the ratio of the payment amount based on the credit information of the exporter and the importer.

The transaction mediation method of the present invention includes a central processing unit and a storage device, has a communication path with a seller and a buyer and a network, and includes a transaction mediation means for mediating a transaction between the seller and the buyer, the transaction mediation means The transaction contract information between the seller and the buyer is notified, and the transaction brokerage means is notified of the fact that the down payment is transferred and deposited according to the transaction contract between the seller and the buyer, and when the third condition is satisfied, the transaction brokerage means performs the It is decided to remit the seller's down payment to the seller.

It is preferable that the third condition is a case in which the seller delivers the product to the buyer according to the contract.

If the third condition is not satisfied, the transaction intermediary means determines not to remit the seller's down payment to the seller;

If the third condition is not satisfied, the transaction intermediary means determines to remit the down payment of the seller to the buyer.

The transaction contract information includes a down payment to be paid by the seller and the buyer to the transaction intermediary means.

The down payment is proposed or determined by the transaction intermediary means based on the credit information of the seller and the buyer,

The down payment is determined by the seller and the buyer.

The down payment determines the ratio of the payment amount based on the credit information of the seller and the buyer by the transaction intermediary means.

The credit information includes information including sales, profit and loss, and financial information of the seller and the buyer, and evaluation information of a credit rating agency.

The down payment, the transaction intermediary means, based on the creditworthiness of the seller and the buyer, proposes or determines a ratio of the payment amount.

Another transaction mediation method of the present invention includes a central processing unit and a storage device, has a communication path through a network with the seller and the buyer, and includes a transaction mediation means for mediating a transaction between the buyer and the seller, the transaction mediation If the means is notified of the transaction contract information between the seller and the buyer, the transaction brokerage means is notified of the deposit of the down payment according to the transaction contract between the seller and the buyer, and the fourth condition is satisfied, the transaction brokerage means is the buyer decides to remit the down payment to the buyer.

Preferably, the fourth condition is when the buyer remits the balance of the transaction price excluding the down payment to the seller.

If the fourth condition is not satisfied, it is decided not to remit the purchaser's down payment to the purchaser.

If the fourth condition is not satisfied, the transaction intermediary means determines to remit the buyer's down payment to the seller.

The transaction contract information includes a down payment to be paid by the seller and the buyer to the transaction intermediary means,

The down payment is determined by the transaction intermediary means based on the credit information of the seller and the buyer,

The seller and the buyer decide.

The down payment determines the ratio of the payment amount based on the credit rating of the seller and the buyer by the transaction intermediary means.

The transaction brokerage system of the present invention forms a communication path through a network with a seller terminal and a buyer terminal, receives contract information from the seller terminal and the buyer terminal, and uses the credit information of the seller and the buyer and the contract information to It determines the down payment between the seller and the buyer, and includes a transaction intermediary means that determines to return the down payment when the seller and the buyer satisfy certain conditions.

The transaction intermediary means, the storage device storing the contract information of the seller and the buyer, the credit information, manages the contract information and the credit information stored in the storage device, determines the down payment of the seller and the buyer, and the seller of the down payment and a central processing unit that determines when to return to the purchaser.

The storage device includes a buyer and seller database in which information about the buyer and seller is stored, a contract information database in which contract information between the buyer and seller is stored, a down payment database in which information about the down payment to be paid by the buyer and the seller is stored, the buyer, the seller A credit information database in which credit information is stored, a down payment decision module that determines the down payment to be paid by buyers and sellers, a down payment decision module that determines when the down payment is returned and when the down payment is returned to the buyer and seller, financial transactions between buyers and sellers Includes a financial transaction module to perform.

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

First, the trade transaction brokerage system and the trade transaction brokerage method of the first embodiment of the present invention will be described.

Figure 2 shows a trade transaction brokerage system of the first embodiment of the present invention.

As shown in Fig. 2, the trade transaction brokerage system of the first embodiment of the present invention includes a transaction brokerage means 100, and the transaction brokerage means 100 includes an exporter 200 and an importer 400 and It forms a communication path through the network. The exporter computer 200 and the importer computer 400 are terminals that allow the exporter 200 and the importer 400 to access the transaction intermediary means. Exporters, importers and trade intermediaries form a communication path through a network. The transaction intermediary means 100 includes a central processing unit 110 and a storage unit 120 .

The transaction intermediary means 100 is a data processing device that mediates trade transactions between exporters and importers, and includes a central processing unit 100 that performs various functions, and a storage device 120 in which various data is stored. . Storage device 120 is an importer, exporter

Database 121, contract information database 122, down payment database 123, credit information database 124, product information database 128, down payment determination module 126, down payment return determination module 127 ), including a financial transaction module 125 . The exporter and importer database 121 stores personal information of the exporter and importer, and the contract information database 122 stores contract information concluded between the exporter and the importer, and the down payment database ( 123) stores the information on the down payment of the exporter and the importer determined by the transaction brokering means 100, and the credit information database 124 stores the credit information of the importer and the exporter, The information database 128 stores product-related information. The down payment determination module 125 is based on the contract information stored in the contract information database 122 , the down payment information stored in the down payment database 123 , and credit information of exporters and importers stored in the credit information database 124 . to determine the down payment to be borne by the exporter and the importer, and the financial transaction module 125 performs various financial transactions performed by the transaction intermediary means. Here, the down payment refers to the deposit sent to the transaction brokerage system to guarantee the risk of non-fulfillment of the mutual contract among the transaction price according to the contract between the exporter and the importer.

The central processing unit 110 manages the database stored in the storage device, and reads and executes the module stored in the storage device.

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

First, the trade transaction brokerage method of the first embodiment of the present invention will be described.

The trade intermediary method of the first embodiment of the present invention is the transaction intermediary means 100

3 is an overall flowchart of the trade transaction brokerage method of the first embodiment of the present invention.

As shown in Fig. 3, the trade transaction brokerage method of the embodiment of the present invention first checks whether the transaction brokerage means proposes or determines the contract amount of the exporter and the importer. (P1)

When the transaction brokerage means proposes or decides the down payment between the exporter and the importer, G1 of FIG. 4 is performed, and when the transaction brokerage means does not propose or decide the down payment between the exporter and the importer, G2 of FIG. 5 is performed do.

After performing G1 of FIG. 4 and G2 of FIG. 5 (A), the transaction intermediary means 100 confirms whether the trade transaction is a transaction based on a letter of credit (P 2).

If the trade transaction is a transaction based on a letter of credit, G3 of FIG. 6 is performed.

After performing G3 of FIG. 6, if the issuance of the letter of credit is confirmed, G7 of FIG. 9, which is the importer's down payment return process, and G4 of FIG.

If the trade transaction is not a transaction based on a letter of credit, G4 of FIG. 7 or G5 of FIG. 8 is performed. G4 of FIG. 7 is a process of confirming the exporter's issuance of the bill of lading when no brokerage is made for the transaction amount, and G5 of FIG. 8 is a process of confirming the deposit of the transaction amount of the importer when brokering the transaction amount.

After performing G4 of FIG. 7 (I), G6 of FIG. 9 is performed, which is the process of returning the exporter's down payment. Then, it is checked again whether it is a letter of credit transaction, if it is a letter of credit transaction, the transaction brokerage is terminated, and if it is not a letter of credit transaction, G5 of FIG. 8 is performed.

After performing G5 of FIG. 8 (F), G7 of FIG. 9 is performed, which is the importer's down payment return process.

Summing up the trade transaction brokerage method of this embodiment described above, (i) the down payment is performed according to various routes depending on whether the transaction brokerage means proposes or mediates, or (ii) the transaction by letter of credit.

That is, if the transaction brokerage means offers or brokers the down payment and the transaction is based on a letter of credit, G1→G3→G7 and G1→G3→G4→G6 are performed.

And, if the transaction intermediary means does not offer or broker the down payment, and the transaction is based on a letter of credit, G2→G3→G7 and G2→G3→G4→G6 are performed.

And, if the transaction broker proposes or brokers the down payment and the transaction is not based on a letter of credit, G1→G4→G6, G1→G4→G5→G7, G1→G5→G7 is performed.

And, if the transaction intermediary means does not offer or broker the down payment and the transaction is not based on a letter of credit, G2→G4→G6, G2→G4→G5→G7, G2→G5→G7 are performed.

Hereinafter, each process (G1 to G7) will be described.

4 is a flowchart of a trade transaction contract establishment process in which the transaction intermediary means proposes or determines the down payment according to the first embodiment of the present invention. In other words, it is a process in which a contract is established when the brokerage means for the down payment proposes or decides the down payment according to the credit information of the exporter and importer.

As shown in Fig. 4, the exporter and the importer each transmit the sales and purchase conditions of their desired conditions to the transaction intermediary means (S101, S102).

The transaction intermediary means 100 checks whether the received exporter's sales condition and the importer's purchase condition match. (S103)

If the result of checking whether the purchase conditions match or not, the transaction intermediary means confirms that the purchase conditions of the importer and exporter are mutually consistent.

If the purchase conditions do not match, the exporter is notified of the importer's purchase conditions, and the importer is notified of the exporter's sales conditions (S104, S105).

After being notified of the exporter's sales conditions, the importer notifies that the exporter does not accept the exporter's sales conditions and does not intend to establish the transaction if there is no intention to conclude the transaction. (S109) If the importer intends to conclude a transaction, but wants to conclude a transaction under conditions different from the sales conditions suggested by the exporter, the purchase conditions are modified and presented. (S106)

After being notified of the importer's purchase conditions, the exporter notifies the importer that he/she does not accept the importer's purchase conditions and does not intend to establish the transaction if he/she does not intend to conclude the transaction. means 100 are notified. (S110) If the exporter intends to conclude a transaction, but wishes to conclude a transaction under conditions different from the purchase conditions presented by the importer, the sales conditions are modified and presented. (S107)

When the importer and exporter modify and transmit the purchase and sale conditions, the transaction intermediary means 100 checks whether the transmitted purchase or sale conditions match the conditions of the other party (S108).

If the transaction conditions do not match, the above process is repeated from steps S104 and S105. If the transaction conditions match, the fact that the transaction conditions match is notified to the exporter and importer. (S113)

After confirming that the transaction conditions are consistent with the transaction intermediary means, the exporter of the contract information and the credit information database 124 of the contract information database 122 of the exporter and the importer of the storage device 120 of the transaction intermediary means And the exporter and the importer determine the down payment to be paid based on the credit information of the importer. (S114) The down payment decision is executed by the central processing unit 110 of the transaction intermediary unit calling the down payment determination module 130 The down payment determination module 130 compares the credit level of the exporter and the importer stored in the credit information database 124 of the exporter and the importer, and the exporter and the importer based on the credit level Determine the down payment to be paid. For example, if the credit rating is low, the down payment is high, and if the credit is high, the down payment is less. In this way, the risk of contract default can be reasonably guaranteed by varying the down payment according to the creditworthiness of the parties to the transaction.

When the down payment to be paid by the exporter and importer is determined, the determined down payment is notified to the exporter and importer of the down payment to be paid (S115).

The exporter and importer are notified of the down payment to be paid by the transaction brokerage means, and notify the transaction brokerage means whether to accept this down payment. (S116)

The transaction brokerage means 100 determines whether both the exporter and the importer accept the down payment proposed by the transaction brokerage means at the same time. (S117)

If both the exporter and the importer do not simultaneously accept the down payment proposed by the transaction brokerage means, the transaction brokerage means 100 notifies that the contract is not established. (S118)

The down payment is determined when both the exporter and importer accept the down payment offered by the transaction intermediary at the same time.

After the down payment is determined, the transaction intermediary checks whether both the exporter and the importer have deposited the down payment. (S119)

If the payment is not made as a result of the confirmation, the transaction intermediary notifies the exporter and the importer that the contract is not established. (S120)

As a result of the confirmation, if both parties have deposited the down payment, the establishment of the contract is notified to the exporter and importer. (S121)

On the other hand, as described above, the down payment to be paid by the exporter and the importer may be determined by the transaction brokerage means based on the credit information of the exporter and importer, but the contract between the exporter and the importer The contractor can also determine the down payment to be paid.

And, the down payment determination process (S114 to S118) of the transaction intermediary means described above may be performed simultaneously with the transaction condition determination step (S101 to S113), or may be performed before the transaction condition determination step.

Hereinafter, the process (G2) in which the exporter and the importer decide the down payment and the contract is established will be described.

5 is a process (G2) of the exporter and the importer of the embodiment of the present invention establishing a contract by determining the down payment.

As shown in Fig. 5, the exporter and the importer each transmit the sales and purchase conditions of their desired conditions to the transaction intermediary means (S201, S202).

In this case, the terms of sale and purchase include the amount of down payment that the exporter and importer have to pay to the transaction brokerage means. In other words, the transaction brokerage does not propose or decide the down payment, but both the exporter and the importer decide on the down payment.

The transaction intermediary means 100 checks whether the received exporter's sales condition and the importer's purchase condition match. (S203)

If the result of checking whether the purchase conditions match or not, the transaction intermediary means confirms that the purchase conditions of the importer and exporter are mutually consistent.

If the purchase conditions do not match, the exporter is notified of the importer's purchase conditions, and the importer is notified of the exporter's sales conditions (S204, S205).

After being notified of the exporter's terms and conditions, the importer notifies that the exporter does not accept the exporter's terms of sale and does not intend to establish the transaction if there is no intention to conclude the transaction. (S208) If the importer intends to conclude a transaction, but wishes to conclude a transaction under conditions different from the sales conditions presented by the exporter, the purchase conditions are modified and presented. (S207)

After being notified of the importer's purchase conditions, the exporter notifies the importer that he/she does not accept the importer's purchase conditions and does not intend to establish the transaction if he/she does not intend to conclude the transaction. means 100 are notified. (S211) If the exporter intends to conclude a transaction, but wants to conclude a transaction under conditions different from the purchase conditions suggested by the importer, the sale conditions are modified and presented. (S210)

When the importer and the exporter modify the purchase condition and the sale condition and transmit, the transaction intermediary means 100 checks whether the transmitted purchase condition or sale condition matches the condition of the other party (S206).

If the transaction conditions do not match, the above process is repeated from steps S204 and S205. If the terms of the transaction match, the contract is established, and the exporter and importer are notified that the contract has been established. (S213)

When a contract is established by G1 and G2 (A), the transaction intermediary checks whether the transaction is by letter of credit.

If it is a transaction based on a letter of credit (G), brokerage of a trade transaction is performed according to the issuance of the letter of credit by the importer (G3), which will be described below.

Fig. 6 shows a trade transaction brokerage method (G3) for issuance of a letter of credit by an importer according to the first embodiment of the present invention.

The transaction intermediary means 100 requests the exporter 200 to confirm whether it has been notified of the issuance of the letter of credit. (S301) The exporter 2 00 notifies the transaction intermediary means 100 of the confirmation of the letter of credit .(S302)

The transaction intermediary means 100 checks whether the letter of credit has been issued (S303), and if the letter of credit is not issued according to the contracted content, remits the importer's down payment to the exporter (S304). That is, if the letter of credit is not issued, Since the importer did not perform the contract, the importer's down payment corresponding to the penalty for non-performance is remitted to the exporter to compensate for the loss caused by the exporter's non-performance of the contract.

When the exporter 200 receives the down payment, the exporter 200 notifies the transaction intermediary means of receipt of the down payment. (S305) If the transaction intermediary means receives the down payment, the transaction intermediary means 100 terminates the brokerage.

The brokerage process after it is confirmed that the credit is issued as a result of the transaction intermediary means 100 checking whether the letter of credit is issued (B, C) will be described later.

The trade transaction brokerage method (G4) for the exporter's bill of lading and shipment will be described below.

Fig. 7 shows a trade transaction brokerage method for the actions of an exporter according to the first embodiment of the present invention.

The transaction intermediary means 100 requests the exporter to confirm whether the exporter has shipped the goods according to the contract signed between the exporter and the importer. (S401)

The exporter 200 prepares the shipping documents (S402), delivers the shipping documents and goods to the shipping company (S403), and notifies the transaction intermediary means that the goods and shipping documents have been delivered to the shipping company according to the contract. ( S406)

Meanwhile, the transportation company receives the goods and shipping documents (S404) and issues a bill of lading (S405).

The transaction brokerage means 100 requests the carrier to confirm the issuance of the bill of lading. (S407) The exporter 200 notifies the transaction brokerage means 100 of whether the bill of lading has been issued. (S408)

The transaction intermediary means 100 checks whether a bill of lading has been issued (S409), and if it is confirmed that the bill of lading has not been issued, remits the exporter's down payment to the importer (S410). Since the contractor has not performed the contract, the exporter's down payment is remitted to the importer. In other words, the exporter's down payment, which is a penalty for non-performance of the exporter's contract, is remitted to the importer to compensate for the loss caused by the importer's non-performance of the contract.

When the transaction mediation means 100 is notified that the down payment has been received from the importer 400, the transaction mediation means 100 terminates the mediation.

As a result of checking whether the bill of lading has been issued by the transaction intermediary means, if it is confirmed that the bill of lading has been issued (I, J), the subsequent process is performed.

Hereinafter, a process in which the transaction intermediary means returns the down payment considering whether or not the transaction price is received between the exporter and the importer will be described.

8 is a process (G5) of brokering a trade transaction by confirming the transaction amount transfer process according to the first embodiment of the present invention.

The transaction intermediary means 100 requests remittance of the balance of the transaction amount excluding the down payment. (S501) The importer remits the balance of the transaction amount excluding the down payment to the transaction intermediary means. (S502)

The transaction intermediary means 100 checks whether the balance is deposited (S503), and if the balance is deposited, remits the balance to the exporter. (S506) The exporter confirms the balance deposit, and notifies the fact to the transaction brokerage means. (S507) The transaction brokerage means 100 confirms the balance deposit (F), the importer's down payment return process (G7) and close the transaction brokerage.

The transaction intermediary means 100 checks whether the balance is deposited (S503), and if the balance is not deposited, the importer's down payment is remitted to the exporter. (S504) The exporter confirms receipt of the down payment balance (S505), When this fact is notified to the transaction brokerage means 100, the transaction brokerage process is terminated.

9 is a view showing the deposit return process (G6, G7) of the exporter and the importer according to the first embodiment of the present invention.

If the transaction is based on a letter of credit, the fact that the importer has issued the letter of credit is confirmed (B), and if the transaction is not based on a letter of credit, the importer's down payment is refunded if the importer has remitted the entire transaction amount to the exporter (F). (G7)

And, when it is confirmed that the exporter has issued the bill of lading (I), the exporter's down payment is returned (G6).

Hereinafter, the process of returning the down payment between the importer and the importer will be described with reference to the drawings.

The exporter's deposit return process is as follows.

When the transporter notifies the transaction brokerage means 100 of the issuance of the bill of lading, the exporter transmits a request to return the down payment paid by the exporter to the transaction brokerage means (S601).

The transaction intermediary means 100 receives the exporter's request for returning the down payment and returns the down payment to the exporter. (S602) Confirms that the exporter has received the contract payment, and notifies it to the transaction intermediary means. (S603)

After the importer notifies the transaction brokerage means 100 of the issuance of the letter of credit, the importer notifies the transaction brokerage means 100 of a request for refund of the down payment paid by the importer to the transaction brokerage means (S604). 100) receives the importer's request to return the down payment, and returns the importer's down payment to the importer.

As described above, according to the trade brokerage system and the transaction brokerage method of the first embodiment of the present invention, it is possible to compensate for the loss due to the failure of the exporter and the importer in the international trade transaction, and We can help you conduct trade transactions.

Hereinafter, the transaction brokerage system and method of the second embodiment of the present invention will be described in detail with reference to the drawings.

A second embodiment of the present invention relates to a transaction brokerage system and method for brokering a transaction in a general commercial transaction.

10 shows a transaction brokerage system according to a second embodiment of the present invention.

As shown in Fig. 10, the transaction mediation system of the embodiment of the present invention includes a transaction mediation means 600, and the transaction mediation means 600 is connected to the buyer computer 700 and the seller computer 800 through a network. and the buyer computer 700 and the seller computer 800 are connected to the financial institution 900 through a network.

The transaction intermediary means 600 includes a central processing unit 610 , a storage device 620 , a down payment determination module 625 , a down payment return determination module 626 , and a financial transaction module 627 . The storage device 620 includes a market information database 621 , a contract information database 622 , a down payment database 623 , a credit information database 624 , and a product information database 628 .

The transaction mediation means 600 is a data processing device that mediates trade transactions between the seller and the buyer, and includes a central processing unit 610 that performs various functions, and a storage device 620 in which various data is stored. The storage device 620 is a market information database 621, a contract information database 622, a down payment database 623, a credit information database 624, a product information database 628, a down payment determination module ( 625 ), a down payment return determination module 626 , and a financial transaction module 627 . The market information database 621 stores personal information of the seller and the buyer, the contract information database 622 stores contract information concluded between the seller and the buyer, and the down payment database 623 is a transaction brokerage. Information on the down payment of the seller and the buyer determined by the means 600 is stored, and the credit information database 624 stores credit information of the buyer and the seller. The down payment determination module 630 is based on the credit information of the seller and the buyer stored in the contract information stored in the contract information database 622, the down payment information stored in the down payment database 623, and the credit information database 624. Determines the down payment to be borne by the buyer.

The central processing unit 610 manages the database stored in the storage device and reads and executes the module stored in the storage device.

Hereinafter, a transaction brokerage method of an embodiment of the present invention will be described in detail with reference to the drawings.

The transaction contract establishment process of the transaction brokerage method of the embodiment of the present invention is the same as the contract establishment process shown in FIGS. 3 and 4 of the first embodiment. However, exporters can be replaced by sellers and importers by buyers.

Hereinafter, a transaction brokerage method of an embodiment of the present invention will be described.

11 is a flowchart of a transaction brokerage method according to a second embodiment of the present invention.

First, after the transaction contract is concluded, the transaction intermediary means 600 requests the purchaser computer 700 to deposit the balance of the transaction price excluding the down payment. (S701) The purchaser computer 700 sends the balance of the transaction price to the financial institution 900 . or through the transaction intermediary means 600, the remittance is made to the seller, and the fact of depositing the balance of the transaction amount is notified to the transaction intermediary means 600 (S702).

The transaction intermediary means 600 reads the contract information between the buyer and the seller stored in the contract information database 622 and checks whether the balance is deposited within the contract period. (S703)

As a result of confirmation, if the balance of the transaction price is not deposited within the contract period, the contract between the parties is not fulfilled, and the buyer's down payment is remitted to the seller as a penalty for non-fulfillment. (S704) The seller mediates the receipt of the down payment The means 600 is notified. (S705) The transaction brokerage means 600 receives the confirmation of receipt of the down payment and ends the transaction brokerage.

As a result of checking whether the balance of the transaction price has been deposited, if the balance of the transaction price has been deposited, the seller delivers the product to the buyer (S7 07). The buyer checks the seller's stock of the product (S708) and inspects whether the product is defective (S7 07). S709) And, if it is confirmed that the balance of the transaction price has been deposited, the buyer's down payment is returned to the buyer. (S717) This returns the down payment corresponding to the penalty for the buyer's non-performance because the buyer has fulfilled the buyer's obligations according to the contract terms. will do

If there is no result of the buyer checking whether the product is defective, it notifies the transaction intermediary means that the product is normally stocked. (S710) The transaction brokerage means 600 sends the seller's down payment to the seller after receiving the goods receipt notification. (S711) That is, when the product is received, the seller has performed his/her contract performance according to the contract, so the down payment that was paid as a penalty for non-performance of the transaction is refunded to the seller.

After receiving the down payment, the seller notifies the transaction intermediary means 600 that the down payment has been received.

If there is a defect in the product as a result of the buyer checking whether there is a defect in the product, the seller notifies the seller of the defect in the product (S713). The seller checks whether the defect in the product is solvable (S714), Notifies the intermediary means (600).

After the transaction intermediary means is notified, since the seller cannot fulfill the contract due to a defect in the product, the seller remits the down payment to the buyer (S715). The buyer receives the down payment, and notifies the transaction brokerage means (S716) , the transaction intermediary means terminates the intermediary.

Also, if the seller determines that the defect of the product can be resolved, the seller delivers the product to the buyer again (S707).

According to the transaction brokerage method of the second embodiment of the present invention described above, a down payment is received according to the credit rating of the seller and the buyer, and the down payment is returned or remitted to the other transaction party only when certain conditions are satisfied. The risk of non-compliance can be compensated.

Claims (4)

In a trade transaction brokerage method comprising a central processing unit, a storage device, and having a communication path through a network with an exporter and an importer, and comprising a transaction brokerage means for mediating a trade transaction between the exporter and the importer,

a first step in which the transaction intermediary means is notified of trade transaction contract information between the exporter and the importer;

a second step in which the transaction intermediary means is notified of the fact that the down payment is transferred and deposited according to the trade transaction contract between the exporter and the importer;
If the first condition is satisfied, the third step of determining that the transaction intermediary means return the exporter's down payment to the exporter;

Including trade transaction brokerage methods.
In claim 1,

a fourth step of determining, by the transaction intermediary means, not to return the exporter's down payment to the exporter if the first condition is not satisfied;

Including trade transaction brokerage methods.
In claim 1,

If the first condition is not satisfied, the fifth step of determining, by the transaction intermediary means, to remit the exporter's down payment to the importer;

Including trade transaction brokerage methods.
In claim 1,

The first condition is that the transaction intermediary means confirms that the exporter has issued a bill of lading in accordance with the contract terms.

How to broker trade deals.