KR20210142372A - Indegrated Puchase System for a Wholesale Business - Google Patents

Abstract

The present invention relates to an integrated payment system for a wholesaler transaction. According to the present invention, virtual account-based payment is performed between suppliers, and thus a transaction can be facilitated. The wholesale transaction payment system includes: a transaction relay server (DS); a virtual account generation module (IC) generating a virtual account for suppliers (P1, P2, P3) in accordance with purchase and supply transactions in the transaction relay server (DS); a virtual purchase credit module (ISC) and a virtual supply credit module (IPC) accumulating credit based on a purchase or supply transaction in the virtual account; and a purchase key generation unit (SK) and a supply key generation unit (PK) respectively generating purchase and supply keys for a purchase or supply transaction. The purchase or supply transaction is conducted based on the purchase or supply key, and the purchase or supply key is updated at every purchase or supply transaction.

Description

{Integrated Puchase System for a Wholesale Business}

The present invention relates to an integrated payment system for a transaction of a wholesaler, and more specifically, to an integrated payment system that facilitates a transaction by making a payment in a virtual account between different providers.

Wholesale transactions for various goods are made online or offline, and the coming transactions are made according to various payment methods or goods transfer methods. And in such a wholesale transaction, the goods transaction and the payment are made separately. Due to this, there is a problem in that it is difficult to trade various goods at an appropriate time and price according to need between different suppliers. In such a wholesale transaction, it is advantageous for an anonymous (Secret), simple (Smart) and safe (Safe) transaction to take place just like a general consumer's transaction. At the same time, it is necessary to make the payment simple in relation to the transaction.

In general, wholesale transactions can be made based on a wholesale index or a wholesale price index. The wholesale index or wholesale price index refers to the level of the wholesale price according to the selling price of a wholesaler who deals directly with the producer, and may be used as an index indicating the fluctuation of the price level. The wholesale index represents the price level for all products, and is calculated and published based on a time period determined by a public institution. However, although such a wholesale price index can macroscopically represent the money flow of the entire trading society, it is not for each product, so it is difficult for a supplier of a specific product to determine a product supply price based on such a wholesale price index. In addition, since the wholesale price index is provided at the same value to suppliers located in different regions with different supply volumes, it may represent a difference from the actual wholesale transaction index of a specific product. Therefore, it is necessary to calculate a wholesale index determined based on the actual transaction for each product. And wholesale indices can be applied to a variety of commodities transactions, both tangible and intangible.

It is an object of the present invention to provide an integrated payment system for wholesaler transactions that enables wholesale transactions to be performed anonymously, at any time, safely and simply, while allowing automatic transactions between a supplier and a buyer of goods based on a price index. will do

According to a suitable embodiment of the present invention, a payment system for a wholesale transaction includes a transaction relay server; a virtual account creation module configured to generate a virtual account for the supply according to the purchase transaction and the supply transaction in the transaction relay server; a virtual purchase credit module and a virtual supply credit module for accumulating credit according to a purchase transaction or a supply transaction in the virtual account; and a purchase key generation unit and a supply key generation unit that respectively generate a purchase key and a supply key for a purchase transaction or a supply transaction, wherein the purchase transaction or supply transaction is made based on the purchase key or the supply key, wherein The purchase key or supply key is updated every purchase transaction or supply transaction.

The payment system according to the present invention makes complex payment relationships generated in wholesale transactions simple. In addition, the payment system according to the present invention enables a credit-based transaction between different suppliers or buyers by allowing the payment to be made through a virtual account connected at the same time as supply and purchase. In addition, since the payment system according to the present invention is based on a wholesale transaction by a wholesale price index, it enables a transaction according to a reasonable time and price.

1 is a block diagram showing an embodiment of a wholesale payment system according to the present invention.
2 is a block diagram illustrating an embodiment in which the wholesale payment system according to the present invention is executed in an application.
3 is a block diagram showing an embodiment of the wholesale transaction relay system according to the present invention.
4 illustrates an embodiment of a price determination process applied to the wholesale transaction relay system according to the present invention.
5 illustrates an embodiment of a process in which information is provided to a supplier in the wholesale transaction relay system according to the present invention.
6 illustrates an embodiment of a process in which a transaction is performed in the wholesale transaction relay system according to the present invention.
7 is a diagram illustrating a terminal on which a screen is displayed according to an embodiment of the present invention.

Hereinafter, the present invention will be described in detail with reference to the embodiments shown in the accompanying drawings, but the embodiments are for a clear understanding of the present invention, and the present invention is not limited thereto. In the following description, components having the same reference numerals in different drawings have similar functions, so they will not be repeatedly described unless necessary for the understanding of the invention, and well-known components will be briefly described or omitted, but the present invention It should not be construed as being excluded from the embodiment of

1 is a block diagram showing an embodiment of a wholesale payment system according to the present invention.

1, the wholesale payment system includes a transaction relay server (DS); a virtual account creation module (IC) for generating virtual accounts from the transaction relay server (DS) to the suppliers (P1, P2, P3) according to the purchase transaction and the supply transaction; a virtual purchase credit module (ISC) and a virtual supply credit module (IPC) for accumulating credit according to a purchase transaction or a supply transaction in the virtual account; and a purchase key generation unit (SK) and a supply key generation unit (PK) that respectively generate a purchase key and a supply key for a purchase transaction or a supply transaction, wherein the purchase transaction or supply transaction is performed in the purchase key or supply key. Based on this, the purchase key or supply key is updated every purchase transaction or supply transaction.

The wholesale payment system according to the present invention creates a virtual account, and the created virtual account is characterized in that it is linked with a purchase key and a supply key. The purchase key or supply key is for the suppliers (P1, P2, P3) to make a transaction in the process of purchase or supply, and serves as a means of confirming credit while checking each of the suppliers (P1, P2, P3) at the same time.

The wholesale payment system according to the present invention may be implemented as an application structure.

2 is a block diagram illustrating an embodiment in which the wholesale payment system according to the present invention is executed in an application.

Referring to Figure 2, the wholesale payment method according to the present invention includes the steps of the providers (P1, P2, P3) accessing the virtual transaction market (ID) or the cloud service market (CS) through the wholesale transaction application (APP); providing a wholesale price index (WD) in a wholesale trading platform (MF); The suppliers (P1, P2, P3) supplying or purchasing goods based on the wholesale price index; generating a virtual account according to the purchase or supply of the suppliers P1, P2, and P3 in the transaction relay (DC), and generating a transaction key (DK) associated with the virtual account; updating a transaction key (DK) according to a purchase transaction or a supply transaction of the suppliers (P1, P2, P3); and updating the purchase credit or supply credit of the virtual account according to the renewal of the transaction key DK.

The wholesale payment method according to the present invention may be initiated by the suppliers (P1, P2, P3) accessing the wholesale transaction platform through an application (APP) installed in a portable electronic device such as a smartphone. The wholesale trading platform (MF) provides the suppliers (P1, P2, P3) with information related to the wholesale qualification index (WD), transaction relay (DC), and goods relay (AC), and performs payment on behalf of the suppliers.

A wholesale transaction system applied to the method and system according to the present invention is described below.

3 is a block diagram illustrating an embodiment of a wholesale transaction relay system.

Referring to FIG. 3 , the wholesale transaction relay system includes a wholesale relay platform 11 that provides product information and price information to a supplier 151 and a buyer 161 ; a pricing unit 14 that determines a price for each article provided on the wholesale relay platform 11; a wholesale market 12 for relaying the supply and purchase of the goods whose prices have been determined; a matching unit 19 that searches for a supply price of the supplier 151 that matches the purchase price of the buyer 161; and a payment market 13 that determines a payment method for the item for which purchase is determined, wherein the price determination unit 14 determines a price based on a price trend curve according to region and time for each item.

The wholesale transaction relay system may be applied to a transaction between a producer or a wholesale supplier and a wholesale supplier, or may be applied to a transaction between a producer or a wholesale supplier and a retail supplier. For convenience of description, the suppliers 151 to 15K and the buyers 161 to 16N are distinguished, but in reality, the buyers 161 to 16N may be a wholesale supplier or a retail supplier.

The wholesale relay platform 11 may have a function of connecting the suppliers 151 to 15K and the buyers 161 to 16N, and if necessary, the wholesale relay platform 11 may be operated in a membership system. The wholesale relay platform 11 may have a function to allow posting of goods supplied by the suppliers 151 to 15K to the wholesale market 12 while having information about the suppliers 151 to 15K. In addition, the wholesale relay platform 11 may grant management authority for the wholesale market 12 to each of the suppliers 151 to 15K. The wholesale relay platform 11 may have information for managing the suppliers 151 to 15K, obtain various information from the suppliers 151 to 15K, and, as necessary, to the goods provided from the suppliers 151 to 15K. It may have a sales agency function for In addition, the wholesale relay platform 11 may be operated in a membership system for the purchasers 161 to 16N. However, the purchasers 161 to 16N may be operated on a limited membership basis in relation to the virtual account described below.

The wholesale relay platform 11 may have a function of operating the wholesale market 12 and the payment market 13 , and various transactions made in the wholesale market 12 and the payment market 13 are performed on the wholesale relay platform 11 . may be permitted or restricted by the , and various information according to the transaction may be stored in the wholesale relay platform 11 .

The wholesale market 12 may have a function of allowing the buyers 161 to 16N to select goods while supplying goods to the suppliers 151 to 15K. Suppliers 151 to 15K may post items in the wholesale market 12 and buyers 161 to 16N may select items posted by suppliers 151 to 15K. In addition, the suppliers 151 to 15K may transmit the supply price for the article to the matching unit 19 , and the buyers 161 to 16N may transmit the purchase price to the matching unit 19 . The matching unit 19 may detect a supply price that matches the purchase price in a predetermined range. A price matching in the predetermined range may be a matching price. The prices provided by the suppliers 151 to 15K may be determined by the pricing unit 14 . The pricing unit 14 may determine the supply price according to the price trend curve, and the suppliers 151 to 15K may determine the final supply price by adding or subtracting the supply price according to characteristics or product grades according to regions. And in this way, the final supply price determined by the suppliers 151 to 15K may be transmitted to the matching unit 19 . Then, the buyers 161 to 16N determine the final purchase price with reference to the supply price determined by the pricing index and transmit it to the matching unit 19, and the matching unit 19 provides the final supply based on the transmitted final purchase price. You can explore the price. In addition, an article according to the matching price may be provided to the purchasers 161 to 16N. As the supply price and purchase price are determined according to the price determined by the price trend curve in this way, transactions are quickly made between the suppliers 151 to 15K and the buyers 161 to 16N, and the suppliers 151 to 15K are the supply prices. At the same time, the purchasers 161 to 16N can automatically determine the purchase price as well.

When the suppliers 151 to 15K and the buyers 161 to 16N are determined by the matching unit 19 , payment may be made in the payment market 13 . A settlement may be made in various ways between the suppliers 151 to 15K and the buyers 161 to 16N, and for example, the settlement may be made by a virtual account as described below.

The wholesale trading system is managed based on a price trend curve, and the price trend curve may be a basis for determining supply prices and purchase prices of suppliers 151 to 15K and buyers 161 to 16N.

4 illustrates an embodiment of a price determination process applied to a wholesale transaction relay system.

Referring to FIG. 4 , a demand analysis unit 211 may be disposed to analyze a demand for one product, and a supply analysis unit 212 may be disposed to analyze a supply of the product. The demand analysis unit 211 and the supply analysis unit 212 determine a product to be analyzed, (i) transaction information for the product, (ii) search information for the product, and (iii) a supplier and a buyer for the product of supply and purchase intention can be analyzed. Transaction information on goods or search information on goods may be obtained by various information sources, for example, big data analysis may be performed to obtain transaction information or search information. Information on the supply intention and the purchase intention may be obtained from the wholesale transaction relay system according to the present invention. Specifically, the intention to supply and the intention to purchase may be obtained from a direct survey of suppliers and buyers connected in the wholesale transaction relay system according to the present invention, the number of visitors, the number of times of supplying the supply price, or the number of times of providing the purchase price. When information on supply and demand is obtained by the demand analysis unit 211 and the supply analysis unit 212 in this way, regions may be classified or analyzed by the region analysis unit 213 according to the obtained information. However, regional analysis is intended to give weight to the supply price or purchase price, and is not applied in the process of obtaining a price trend curve.

When the supply and demand information is obtained, the wholesale price index may be calculated by the wholesale price index calculation unit 22 . The wholesale price index means a value relative to the base year or the base month, and a price trend curve currently supplied can be created by the wholesale price index. The price trend curve refers to a curve that shows the fluctuation state of the wholesale price index for a certain period of time. When the price trend curve is created, the supply price for the article may be determined by the pricing unit 23 according to the amount of the article currently being supplied to the wholesale transaction relay system. The supply price determined by the pricing unit 23 may be changed at a certain period according to the supply level of the article or the purchase request. The pricing unit 23 may generate the supply level and purchase level interlocking index, and may determine the supply price on a daily or hourly basis according to the supply level and purchase level interlocking index. The supplier may supply the article by determining the supply price based on the supply price determined by the pricing unit 23 or the price trend curve. In addition, the buyer may request a purchase from the wholesale market described above by determining the purchase price in the same or similar manner. And the supply price matching the purchase price is determined by the matching unit, so that the transaction can be made by the wholesale relay platform. The regional information analyzed by the regional analysis unit 213 may be provided to the supplier, and the supplier may determine an appropriate supply price according to the region based on the price determined by the pricing unit 23 based on the regional information .

5 illustrates an embodiment of a process in which information is provided to a supplier in a wholesale transaction relay system.

Referring to FIG. 5 , information for determining a supply price or supply timing may be provided to a supplier by a wholesale transaction relay system. The wholesale price change trend unit 31 may be disposed in the wholesale transaction relay system according to the present invention. The wholesale price change trend unit 31 may analyze the wholesale price change trend based on the wholesale price index calculated by the wholesale price index calculation unit 22 and the environmental factor provided by the environmental factor unit 33 . The environmental factor unit 33 may predetermine environmental variables such as supply regions, timing, economic conditions or changes in market demand that affect the wholesale price. The influence of the determined environmental variable on the wholesale price is predetermined, and accordingly, the wholesale price change trend can be calculated. The calculated wholesale price change trend may be transmitted to the supply prediction unit 34 , and the supply prediction unit 34 may predict a future supply level according to the wholesale price change trend. In addition, supply information such as a current supply level, a change in supply level according to a change in wholesale price, or an appropriate supply time in the future may be stored in the supply information database 35 . The supplier 15 may refer to the supply information stored in the supply information database 35 to determine the supply level or supply timing for the article. As described above, by providing the information on the supply level to the supplier in the wholesale transaction relay system according to the present invention, the supplier can determine the appropriate supply time, supply region, or supply quantity.

6 illustrates an embodiment of a process in which a transaction is made in a wholesale transaction relay system.

Referring to FIG. 6 , a virtual account may be created in the wholesale transaction relay system, and goods may be traded between a supplier and a buyer by the virtual account. To this end, the wholesale management server 41 is installed on the wholesale relay platform of the wholesale transaction relay system to process the transaction between the supplier and the buyer through a virtual account. When the purchase request of the purchaser is received by the purchaser request unit 42, it can be checked in the platform virtual account unit 43 whether there are virtual accounts of the buyer and the supplier, and if there is no virtual account of the buyer or the supplier, the buyer or the supplier A virtual account may be created. When the virtual accounts of the buyer and the supplier are created, the purchase request of the buyer may be transmitted to the transaction approval unit 44 to determine whether to approve the transaction. Whether or not to approve the transaction means to approve the purchase of the buyer. If the buyer's account does not reach a level that allows the purchase, the transaction approval unit 44 must determine whether to close the transaction according to the purchase request. If the buyer's credit is insufficient compared to the current purchase request, the transaction approval unit 44 may notify the buyer and determine whether to supplement with alternative means. Alternative means means, for example, that the buyer provides credit, collateral or substitutes through a transaction relationship by means of a wholesale transaction relay system. Substitute supply means, for example, that if the buyer is supplying a different item than the requested item, it is supplemented by a subsequent sale. If the lack of credit is not compensated for by such alternative means, the purchase application may be withheld. When the purchase request is approved by the transaction approval unit 44 , the payment approval may be transmitted from the platform virtual account 43 to the provider payment unit 46 and payment may be made to the provider account. And the transaction approval unit 44 may transmit approval of the purchase request to the delivery processing unit 47 . The delivery processing unit 47 may confirm delivery to the supplier and send it to the completion confirmation unit 48 . When the purchaser's receipt of goods is confirmed by the completion confirmation unit 48 , it may be transmitted to the credit settlement unit 45 . The credit settlement unit 45 may finally settle and store the virtual account of the buyer and the virtual account of the supplier.

The wholesale relay system allows the supplier to easily determine the supply price and timing by allowing the supplier to determine whether to supply the goods based on the price index. By allowing the transaction to be carried out anonymously between the supplier and the buyer, the convenience of the transaction is improved. The relay system ensures that supply, purchase, payment and delivery are automatic. In addition, the relay system allows the supplier to determine the timing or price of supply based on various information about price, supply and demand.

The payment system according to the present invention makes complex payment relationships generated in wholesale transactions simple. In addition, the payment system according to the present invention enables a credit-based transaction between different suppliers or buyers by allowing the payment to be made through a virtual account connected at the same time as supply and purchase. In addition, since the payment system according to the present invention is based on a wholesale transaction by a wholesale price index, it enables a transaction according to a reasonable time and price.

The present invention may include a cutting unit, a first transfer and a second transfer, and a combine unit.

The cutting unit may generate a plurality of pieces by dividing the data, and may assign an address to each of the pieces. Here, the addresses of the pieces may be composed of a combination of a plurality of letters and numbers.

Also, the cutting unit may generate a combination rule in consideration of each address. Here, the combination rule refers to a rule that allows a plurality of data pieces to be combined into data before being divided based on each address.

The first transfer may transmit a plurality of data pieces in an arbitrary order. Here, a plurality of data pieces may be transmitted together with an assigned address, respectively.

The second transfer may transmit a combination rule corresponding to the plurality of data pieces transmitted by the first transfer. Here, it may be preferable that the second transfer transmits the combination rule with a time difference with respect to the transmission of the plurality of data pieces by the first transfer.

The functional operations described in this specification and the embodiments related to the present subject matter can be implemented in a digital electronic circuit, computer software, firmware, or hardware, including the structures disclosed herein and structural equivalents thereof, or in a combination of one or more thereof do.

Embodiments of the subject matter described herein are one or more computer program products, ie one or more modules directed to computer program instructions encoded on a tangible program medium for execution by or for controlling the operation of a data processing device. can be implemented. A tangible program medium may be a radio wave signal or a computer-readable medium. A radio wave signal is an artificially generated signal, eg a machine generated electrical, optical or electromagnetic signal, that is generated to encode information for transmission to an appropriate receiver device for execution by a computer. The computer-readable medium may be a machine-readable storage device, a machine-readable storage substrate, a memory device, a combination of materials that affect a machine-readable radio wave signal, or a combination of one or more of these.

A computer program (also known as a program, software, software application, script or code) may be written in any form of programming language, including compiled or interpreted language or a priori or procedural language, and may be written as a stand-alone program or module; It can be deployed in any form, including components, subroutines, or other units suitable for use in a computer environment.

A computer program does not necessarily correspond to a file in a file system. A program may be in a single file provided to the requested program, or in multiple interacting files (eg, files that store one or more modules, subprograms, or portions of code), or portions of files that hold other programs or data. (eg, one or more scripts stored within a markup language document).

A computer program may be deployed to be executed on a single computer or multiple computers located at one site or distributed over a plurality of sites and interconnected by a communication network.

Additionally, the logic flows and structural block diagrams described herein describe corresponding acts and/or specific methods supported by corresponding functions and steps supported by the disclosed structural means, and corresponding software. It can also be used to build structures and algorithms and their equivalents.

The processes and logic flows described herein may be performed by one or more programmable processors executing one or more computer programs to perform functions by operating on input data and generating output.

Processors suitable for the execution of computer programs include, for example, both general and special purpose microprocessors and any one or more processors of any kind of digital computer. Typically, the processor will receive instructions and data from read-only memory, random access memory, or both.

A key element of a computer is one or more memory devices for storing instructions and data and a processor for executing instructions. In addition, a computer is generally operably coupled to receive data from, transfer data to, or both of one or more mass storage devices for storing data, such as, for example, magnetic, magneto-optical disks or optical disks. or will include However, the computer need not have such a device.

The present description sets forth the best mode of the invention, and provides examples to illustrate the invention, and to enable any person skilled in the art to make or use the invention. This written specification does not limit the present invention to the specific terms presented.

Accordingly, although the present invention has been described in detail with reference to the above-described examples, those skilled in the art can make modifications, changes, and modifications to the examples without departing from the scope of the present invention. In short, in order to achieve the intended effect of the present invention, it is not necessary to separately include all the functional blocks shown in the drawings or follow all the orders shown in the drawings. indicate that it may be within the scope

Claims (4)

transaction relay server (DS);
a virtual account creation module (IC) for generating virtual accounts from the transaction relay server (DS) to the suppliers (P1, P2, P3) according to the purchase transaction and the supply transaction;
a virtual purchase credit module (ISC) and a virtual supply credit module (IPC) for accumulating credit according to a purchase transaction or a supply transaction in the virtual account; and
and a distributed storage server for receiving and distributing the purchase transaction and supply transaction information. The system according to claim 1, wherein the system checks each supplier for a purchase transaction and a supply transaction, and at the same time, a purchase key generating unit (SK) and supply that respectively generate a purchase key and a supply key for confirming credit for each supplier Payment system for wholesale transaction, characterized in that it further comprises a key generation unit (PK). The payment system for a wholesale transaction according to claim 2, further comprising a transaction key generating unit according to product relay based on the purchase key and the supply key. The payment system for a wholesale transaction according to claim 2, comprising a unit for updating a purchase credit or a supply credit of the virtual account according to the renewal of the purchase key or the supply key.

Images