KR20230070646A - Method and apparatus for providing non-face-to-face export payment service - Google Patents

Abstract

A non-face-to-face export payment service providing method and device are provided. This method, as an operation method of a corporate banking server, generates an OAT (Open Account Transaction) export payment receivables purchase application according to a request from a customer terminal connected through an Internet network, and OAT export payment receivables purchase application from the customer terminal Step of uploading evidence for the OAT export payment receivables purchase request by checking duplicate purchases and export performance history through computerized bank data inquiry, and if the above review is passed, EDMS (Electronic Document Management System) to proceed with the payment process for the application for purchase of the OAT export price receivables, and executing the purchase of the OAT export price receivables when payment approval is completed.

Description

Method and device for providing non-face-to-face export payment service {METHOD AND APPARATUS FOR PROVIDING NON-FACE-TO-FACE EXPORT PAYMENT SERVICE}

The present invention relates to a method and apparatus for providing a non-face-to-face export payment service.

Due to the corona crisis, the untact market is growing rapidly. Therefore, various financial services are also on the trend of spreading to non-face-to-face services.

However, conventionally, when applying for OAT (Open Account Transaction) export receivables purchase, exporters must submit attached documents offline and visit a bank branch to confirm follow-up processing.

In the case of conventional OAT purchase services, customers can visit a branch office to submit a purchase application and a copy of documents, or submit documents through EDI (Electronic Data Interchange) after filling out a purchase application through EDI (Electronic Data Interchange). In the branch office, the EDI application is printed out and submitted documents are checked by the person in charge, and after the purchase is completed, the OAT purchase documents are sent to the head office after the signature and approval of the person in charge/branch manager. The head office checks the documents sent to the branch office, scans the documents, creates an image, and saves it.

In addition, when converting to purchase after letter of credit collection, When a customer fills out a physical application form and submits it to a bank branch, the person in charge at the branch checks the details of the application form, processes the account, and approves it by the former manager and the branch manager. The physical application form is kept at the branch office.

In addition, when uploading supporting documents for drawing/drawing, conventionally, after applying for overseas remittance in corporate banking, the supporting documents must be sent by fax or e-mail.

As such, conventionally, the procedure for requesting purchase of export payment receivables is performed offline, and only some functions are provided online, causing inconvenience to customers.

The technical problem to be achieved by the present invention is to provide a non-face-to-face export payment service providing method and apparatus capable of processing processes such as application for purchase of export payment receivables and examination online through the Internet.

An operating method according to an embodiment of the present invention is a method of operating a corporate banking server, generating an OAT (Open Account Transaction) export payment receivables purchase application according to a request of a customer terminal connected through an Internet network, the customer terminal The step of uploading supporting data for the application for purchase of OAT export price receivables, the step of reviewing the application for the purchase of OAT export price receivables by checking whether duplicate purchases are made and the export performance history through computerized bank data inquiry, If passed, proceeding with the payment process for the application for purchase of the OAT export price receivables in conjunction with EDMS (Electronic Document Management System), and executing the purchase of the OAT export price receivables when payment approval is completed.

In the executing step, it is possible to check whether the purchase is executed by checking whether the purchase price for export receivables is deposited.

After the generating step, the step of interworking with the account terminal system to inquire evidence of application through EDI (Electronic Data Interchange), and obtaining the inquired evidence may be further included.

The step of proceeding with the payment process is to generate an image document by converting the evidence into a harmless file through a false discovery rate (FDR) solution, transmit the image document to the EDMS, and process the payment from the EDMS You can receive results.

In response to the request of the customer terminal, the method may further include a step of inquiring and selecting a purchase conversion target after collecting export bills in conjunction with an account terminal system.

After the selecting step, the method may further include sending an export bill of exchange request for a purchase conversion target for a purchase conversion target after the selected export bill of exchange collection to the EDMS and receiving a settlement progress result from the EDMS.

After the receiving step, the method may further include, when approval of the payer is completed as a result of the payment progress, executing purchase conversion after collecting export bills.

In the step of receiving the upload, a request for attachment of evidence may be transmitted to the EDMS based on the searched Internet evidence data attachment target in conjunction with the account terminal system.

In the uploading step, evidence data according to a single remittance or a separate remittance may be uploaded and transmitted to the EDMS.

The corporate banking server according to another embodiment of the present invention generates an application for the purchase of export receivables in the OAT (Open Account Transaction) method according to the request of the customer terminal, and the application processing unit for uploading the supporting documents from the customer terminal, and bank data computerized inquiry The examination processing department that conducts the examination of the application for purchase of export payment receivables by checking whether there is a duplicate purchase and the export performance history through and an electronic payment processing unit that executes a payment process for the application and, when payment approval is completed, executes the OAT export payment receivables purchase.

It may further include a deposit management unit that checks whether the purchase price for export receivables is deposited and whether or not the purchase is executed.

According to the request of the customer terminal, the application processing unit may inquire and select a purchase conversion target after export bill collection in conjunction with an account terminal system.

The electronic settlement processing unit may transmit an export bill of exchange bill purchase conversion request for a purchase conversion target after the selected export bill collection is collected to the EDMS, and may receive a settlement progress result from the EDMS.

The application processing unit may receive upload data from a customer terminal and transmit it to the EDMS, as evidence of a single remittance or intermittent remittance.

The application processing unit may provide a corporate banking screen including at least one menu of an export receivables purchase application and application details inquiry menu, an export bill purchase conversion application and application details inquiry menu, and a document submission menu.

According to an embodiment of the present invention, the OAT export payment receivables purchase application and examination process can be provided non-face-to-face, ensuring customer convenience and accurate application and examination.

1 shows a configuration diagram of a non-face-to-face export payment service system according to an embodiment.
2 is a block diagram showing a detailed configuration of an enterprise banking server according to an embodiment.
3 is a flowchart illustrating a non-face-to-face OAT export payment receivables purchase procedure according to an embodiment.
4 is a flowchart illustrating a purchase conversion procedure after non-face-to-face export bill collection according to an embodiment.
5 is a flowchart showing a non-face-to-face party remittance document submission procedure according to an embodiment.
6 is a flowchart illustrating a procedure for submitting non-face-to-face other remittance documents according to an embodiment.
7 is an exemplary screen view showing an access path for non-face-to-face export payment application in corporate internet banking according to an embodiment.
8 is an exemplary view of a screen for querying details of a request for purchase and conversion of export bills according to an embodiment.
9 is an exemplary view of an export bill of exchange bill purchase conversion application screen according to an embodiment.
10 is an example of a screen for submitting proof of remittance according to an embodiment.
11 is an exemplary view of a screen for submitting proof of remittance according to another embodiment.
12 is a block diagram showing the hardware configuration of a non-face-to-face export payment service system according to an embodiment.

Hereinafter, with reference to the accompanying drawings, embodiments of the present invention will be described in detail so that those skilled in the art can easily carry out the present invention. However, the present invention may be embodied in many different forms and is not limited to the embodiments described herein. And in order to clearly explain the present invention in the drawings, parts irrelevant to the description are omitted, and similar reference numerals are attached to similar parts throughout the specification.

Throughout the specification, when a certain component is said to "include", it means that it may further include other components without excluding other components unless otherwise stated.

In addition, the terms "...unit", "...unit", and "...module" described in the specification mean a unit that processes at least one function or operation, which may be implemented as hardware or software or a combination of hardware and software. there is.

Now, a non-face-to-face export payment service providing method and apparatus according to an embodiment of the present invention will be described in detail with reference to the drawings.

In this specification, OAT (Open Account Transaction) transaction is an export transaction method between a company and an overseas branch, in which an exporter enters into a transfer contract for export receivables with a trading bank and deposits the import payment from the importer to the contracted receivables transfer bank. It means a payment method that accepts and transacts.

1 shows a configuration diagram of a non-face-to-face export payment service system according to an embodiment.

Referring to FIG. 1 , a non-face-to-face export payment service system 100 is connected to a customer terminal 300 through an internet network 200. The customer terminal 300 may include a computer, PC, notebook, mobile, and the like.

The non-face-to-face export payment service system 100 is provided in a financial institution and includes a corporate banking server 110, an Electronic Document Management System (EDMS) 120, and an account terminal system 130.

The corporate banking server 110 utilizes a non-face-to-face channel, that is, corporate Internet banking, to perform an OA trade form, that is, a non-face-to-face process of application, examination, and payment of the post-shipment transfer method By executing, it is possible to provide a non-face-to-face process without documents in the way of submitting the existing application/documentation in real form to the branch office and processing the purchase through document review. Therefore, the customer's application convenience is improved, the progress status can be checked (inquired) in real time, and time and place restrictions can be removed through branch office submission document image review and electronic payment.

The corporate banking server 110 may provide at least one service of non-face-to-face OAT export payment receivables purchase application, non-face-to-face export bills collected and converted to purchase, submission of supporting documents for remittance, and submission of supporting documents for other remittances.

The corporate banking server 110 may provide a non-face-to-face process for requesting purchase of OAT export receivables. The corporate banking server 110 may provide an Internet application module for OAT export receivables purchase. The corporate banking server 110 may provide non-face-to-face application details (eg, EDI, Internet) inquiry and supporting document attachment functions. The corporate banking server 110 may provide a process for linking the attached document with the EDMS 120 and proceeding with payment. The corporate banking server 110 may provide an export purchase transaction service using non-face-to-face OAT export payment receivable purchase EDI/Internet telegram. The corporate banking server 110 may provide export bond purchase application guide information.

The corporate banking server 110 may perform a non-face-to-face process for requesting a purchase conversion after collecting a non-face-to-face export bill. The corporate banking server 110 may inquire and apply for a purchase conversion target after export bills are collected. The corporate banking server 110 may provide an EDMS payment process and a purchase conversion service using a purchase conversion request message after non-face-to-face export collection.

The corporate banking server 110 implements a function for submitting documents proving current/different remittance as a menu, and may inquire into a target for attaching proof documents for current/different remittance and attach supporting document files. The corporate banking server 110 can receive attachments in connection with the EDMS 120, implement a single view and provide a payment process during current/different remittance transactions.

The corporate banking server 110 may perform an export receivable purchase (OA) non-face-to-face application process. The non-face-to-face application process for the purchase of export receivables (OA) has an Internet application method and an EDI (Electronic Data Interchange) application method.

In the case of the Internet application method, preparation of purchase request, inquiry of purchase application, file attachment and application (company internal approval process) can be made sequentially. In the case of the EDI application method, the purchase request (EDI) inquiry, file attachment and submission (using a public certificate) can be sequentially performed.

The corporate banking server 110 provides a non-face-to-face OAT purchase service. The customer terminal 300 accesses the corporate banking server 110 through the Internet network 200, applies for purchase using the BankTRASS export customs clearance information API (Application Programming Interface) service, and ships documents You can upload files.

The corporate banking server 110 may receive an OAT export receivable purchase request from the customer terminal 300 through corporate banking and upload a shipping document file. Application for purchase of OAT export receivables can be recommended as a new service for FX target transactions so that it can be linked with the FX trading system.

Since the corporate banking server 110 can simultaneously process account screens and shipping document file images with a single view implementation, document output is unnecessary, and physical time is saved by performing electronic approval of the manager / branch manager through the EDMS (120). can be shortened

In addition, the corporate banking server 110 may execute a non-face-to-face application process for purchase conversion after export bill collection. In this process, inquiry of purchase conversion targets and application for purchase conversion (internal approval of the company) can be performed sequentially.

The corporate banking server 110 may provide a non-face-to-face purchase conversion service after the letter of credit is collected. The corporate banking server 110 may execute a purchase conversion request after confirming whether a purchase conversion target is possible in corporate banking. The corporate banking server 110 may select or receive an amount to be converted, a deposit account, etc. from the customer terminal 300 when applying for purchase conversion. Application for purchase conversion after letter of credit collection can be recommended as a new service for FX target transactions so that it can be linked with the FX trading system. At this time, since the application image can be processed through the account screen and single view simultaneously through the EDMS (120), document output is unnecessary, and physical time is reduced by performing electronic approval of the manager / branch manager through the EDMS (120) can do.

In addition, the corporate banking server 110 may additionally provide a function of uploading a document supporting document remittance per/out of remittance. Conventionally, only overseas remittance requests (company internal payment process) and remittance application results can be inquired, and only received foreign currency remittances can be inquired. However, according to the embodiment, file attachment and submission can be provided based on an authorized certificate.

The corporate banking server 110 minimizes the customer's inconvenience and eliminates the need to output documents from the branch office by receiving proof documents uploaded at the same time as applying for overseas remittance. In addition, since it is possible to upload proof documents at the same time as confirming the arrival of other remittances in corporate banking, it is possible to notify the arrival of proof of other remittances and to process the payment of other remittances by branch employees.

As such, the corporate banking server 110 implements a corporate foreign exchange digital platform, so that corporate foreign exchange operations including import and export can be quickly and easily processed through corporate Internet banking.

The EDMS 120 may perform a file attachment, a company internal payment process, and the like in conjunction with the corporate banking server 110 .

The account terminal system 130 may manage account information of a financial institution and provide an account screen in conjunction with the corporate banking server 110 .

FIG. 2 is a block diagram showing a detailed configuration of an enterprise banking server according to an embodiment, and is a block diagram showing an internal configuration of the enterprise banking server 110 described in FIG. 1 .

Referring to FIG. 2 , the corporate banking server 110 may include an application processing unit 111, a review processing unit 112, an electronic payment processing unit 113, and a deposit management unit 114.

The application processing unit 111 generates an OA-type export receivables purchase application according to the request of the customer terminal 300 and uploads supporting documents from the customer terminal 300 .

According to the request of the customer terminal 300, the application processing unit 111 may interlock with the account terminal system 130 to inquire and select a purchase conversion target after export bill collection. In addition, proof documents can be uploaded from the customer terminal 300 .

The application processing unit 111 may receive upload data from the customer terminal 300 and transmit it to the EDMS 120 as proof of a single remittance or a separate remittance.

The review processing unit 112 performs basic document review on the application transmitted from the application processing unit 111, checks duplicate purchases of B/L (shipping documents) through computerized bank data inquiry, and computerized inquiry through the Banktrass API connection. Through this, you can check the export performance history.

The electronic payment processing unit 113 may perform an electronic payment process for purchase execution in conjunction with the EDMS 120 . Here, the purchase may include the purchase of export receivables and conversion to purchase after the collection of export bills.

The deposit management unit 114 may check whether the purchase is executed by checking whether the purchase price for export receivables is deposited.

Hereinafter, each embodiment will be described in connection with the configuration of FIG. 2, as shown in FIGS. 3 to 12.

3 is a flowchart illustrating a non-face-to-face OAT export payment receivables purchase procedure according to an embodiment.

Referring to FIG. 3 , when the customer terminal 300 accesses the corporate banking server 110, it may perform login authentication with the customer terminal 300 (S101). The corporate banking server 110 may perform login authentication based on pre-registered login authentication information so that only the logged-in user can use the OAT export receivables purchase business.

The corporate banking server 110 provides a corporate banking OAT export payment receivable purchase application screen in response to the request of the customer terminal 300 that has succeeded in login authentication, and purchases export payment receivables based on information selected or input from the customer terminal 300 An application form is generated (S102). Non-face-to-face application may be made through S102.

The corporate banking server 110 may interwork with the account terminal system 130 to inquire the object of attaching Internet/EDI evidence (S103). New applications through corporate internet banking are made after filling out the application form and attaching evidence files, so in cases where applications through EDI were preceded, the evidence file data can be viewed.

The corporate banking server 110 may upload the evidence requested in step S103 from the account terminal system 130 or from the customer terminal 300 (S104).

The corporate banking server 110 may generate an image document by converting the evidence into a harmless file through a False Discovery Rate (FDR) solution (S105). The FDR solution is intended to comply with the Information Protection Section Policy.

The corporate banking server 110 transmits the generated image document to the EDMS 120 (S106).

At this time, the corporate banking server 110 may generate a compressed file (TAR) after disarming the evidence and transmit it to the EDMS 120 through Multi Channel Architecture (MCA).

The EDMS 120 proceeds with a payment process based on the received image document (S107). The approval process is internal to the company. When a registrant (registrant ID) applies and registers, accesses the approver ID according to the approval line registered in corporate banking, checks the application details, and uses OTP (One-Time Password) and public certificate. It can be composed of procedures for processing payments. The scope of authority for internal approval can be adjusted by the approval authority, and if the approval authority does not approve, the application cannot proceed.

At this time, the details of the application through corporate banking are to be returned after review of the branch office to which the application was applied and to be approved by the branch manager.

The EDMS 120 transmits the result of the payment process to the enterprise banking server 110 (S108). At this time, if the result of the payment process is the application return, the returned application details may be corrected through information selected or input from the customer terminal 300, and S105 to S108 may be performed with the corrected data. At this time, when modifying or re-requesting, the internal approval process is omitted.

If the approval of the branch manager is included in the result of the payment process, the corporate banking server 110 executes the purchase of export receivables according to the request input of the branch manager (S109). When the export receivables purchase (OA) is executed, the process ends.

4 is a flowchart illustrating a purchase conversion procedure after non-face-to-face export bill collection according to an embodiment.

Referring to FIG. 4 , the corporate banking server 110 may inquire and select a purchase conversion target after non-face-to-face export bill collection in conjunction with the account terminal system 130 according to the request of the customer terminal 300 that has successfully logged in and authenticated. (S201).

The corporate banking server 110 transmits the request for purchase conversion of export bills to the EDMS 120 (S202). S201 and S202 can be done on the corporate banking menu screen.

The EDMS 120 proceeds with the payment process (S203) and transmits the result of the payment process to the enterprise banking server 110 (S204). The approval process is an internal approval process within the company. The registrant (registrant ID) registers the application, accesses the approver (approver ID) according to the approval line registered in corporate banking, checks the application details, and processes the payment using OTP and accredited certificate. can be done The scope of authority for internal approval can be adjusted by the approval authority, and if the approval authority does not approve, the application cannot proceed.

The details of the application through corporate banking are reviewed by the branch office where the application was made, and then returned and approved by the person with the right to vote.

The corporate banking server 110 executes the purchase conversion of export bills (S205). The corporate banking server 110 may perform purchase conversion after collecting export bills according to the request input of the person in charge of the branch office when the result of the payment process in step S204 includes the completion of the approval of the person having the prior decision.

5 is a flowchart showing a non-face-to-face party remittance document submission procedure according to an embodiment.

Referring to FIG. 5 , the corporate banking server 110 interworks with the account terminal system 130 to request an Internet verification data attachment target inquiry (S301), and receives Internet application details (S302).

The corporate banking server 110 may transmit an application for attaching evidence to the EDMS 120 based on the Internet application details (S303).

At this time, S301 to S303 are performed for the customer terminal 300 that has succeeded in login authentication. In other words, this is to ensure that only the logged-in user can use the work of submitting proof of remittance to/from others.

In S302, after searching for documents to be submitted on the screen for submitting supporting documents, supporting documents can be attached non-face-to-face. Submission documents are checked at the branch office, and additional supporting documents may be requested.

The corporate banking server 110 terminates the process when executing a random transaction through the account terminal system 130 . Whether or not a random transaction is executed can be confirmed from the account terminal system 130 .

6 is a flow chart showing a non-face-to-face other remittance document submission procedure according to an embodiment, the procedure is the same as that of FIG. 5, but shows the other remittance document submission procedure.

Referring to FIG. 6 , the corporate banking server 110 interworks with the account terminal system 130 to request Internet evidence attachment target inquiry (S401), and receives payment target details (S402).

The corporate banking server 110 may transmit an application for attachment of evidence to the EDMS 120 based on the details of the payment subject to be issued (S403).

At this time, S401 to S403 are performed for the customer terminal 300 that has succeeded in login authentication. In other words, this is to ensure that only the logged-in user can use the work of submitting proof of remittance to/from others.

In S402, after searching for documents to be submitted on the screen for submitting supporting documents, supporting documents can be attached non-face-to-face. Submission documents are checked at the branch office, and additional supporting documents may be requested.

7 is an exemplary screen view showing an access path for non-face-to-face export payment application in corporate internet banking according to an embodiment.

Referring to FIG. 7, the corporate banking server 110 displays the TradeEZ menu (02) in the foreign exchange/import/import menu (01), the purchase of export receivables (OP/A)/export bill purchase conversion menu (03), and the application for remittance on the banking screen. Result inquiry (submission of documentary evidence)/received foreign currency remittance inquiry (submission of documentary evidence) menu (04) can be provided. Therefore, the customer terminal 300 can log in to the corporate banking server 110 and click the corresponding menus 01, 02, 03, 04 to proceed with the non-face-to-face export payment service described in FIGS. 1 to 6. .

8 is an exemplary view of a screen for querying details of a request for purchase and conversion of export bills according to an embodiment.

Referring to FIG. 8, when the corporate banking server 110 executes the application details inquiry menu in the export receivable purchase (OP/A)/export bill purchase conversion menu (03), application details inquiry (P1) and detailed items (P2) ) can be provided.

9 is an exemplary view of an export bill of exchange bill purchase conversion application screen according to an embodiment.

Referring to FIG. 9, when the corporate banking server 110 executes the purchase conversion request menu in the export receivables purchase (OP/A)/export bill purchase conversion menu (03), inquiry condition setting (P3) and detailed items (P4) ) can be provided.

10 is an example of a screen for submitting proof of remittance according to an embodiment.

Referring to FIG. 10 , the corporate banking server 110 may provide a screen for submitting proof of remittance, and when an inquiry period is entered and an inquiry button (①) is clicked, an application details screen may be output. On the application details screen, the application status information (③, ④) such as submission available, submission complete, and supplementation request are displayed in the subscribing document submission menu (②) for each item.

11 is an exemplary view of a screen for submitting proof of remittance according to another embodiment.

Referring to FIG. 11 , the corporate banking server 110 may provide a screen for uploading supporting documents when a submit possible button is clicked when the application status information (③, ④) in FIG. 11 is available for submission. The customer terminal 300 may select and register a file to be uploaded through a file search button.

On the other hand, Figure 12 is a block diagram showing the hardware configuration of the non-face-to-face export payment service system according to an embodiment, the operation of the non-face-to-face export payment service system 100 and corporate Internet banking server 110 described in FIGS. 1 to 11 Indicates the hardware configuration of a computing device that implements.

Referring to FIG. 12 , a computing device 400 includes a processor 410 , a memory 420 , a storage 430 and a communication device 440 . The communication device 440 is connected to at least one processor 410 to transmit and/or receive data. The memory 420 is connected to at least one processor 410 and stores a program including instructions for executing configurations and/or methods according to embodiments described with reference to FIGS. 1 to 11 . The program implements the present invention in combination with hardware such as memory 420 and at least one processor 410 . The storage 430 includes information required for operation of the computing device 400 . The processor 410 executes the present invention in combination with hardware such as the memory 420 and the storage 430 .

The embodiments of the present invention described above are not implemented only through devices and methods, and may be implemented through programs that realize functions corresponding to the configuration of the embodiments of the present invention or a recording medium on which the programs are recorded.

Although the embodiments of the present invention have been described in detail above, the scope of the present invention is not limited thereto, and various modifications and improvements made by those skilled in the art using the basic concept of the present invention defined in the following claims are also included in the scope of the present invention. that fall within the scope of the right.

Claims (15)

As a method of operating a corporate banking server,
Generating an OAT (Open Account Transaction) export payment receivables purchase application according to a request from a customer terminal accessed through an Internet network;
Uploading evidence for an application for purchase of OAT export payment receivables from the customer terminal;
Conducting an examination of the OAT export payment receivables purchase application by checking whether there is duplicate purchase and export performance history through computerized bank data inquiry;
If the examination is passed, proceeding with the payment process for the OAT export payment receivables purchase application in conjunction with EDMS (Electronic Document Management System), and
The step of executing the purchase of the OAT export payment receivables when payment approval is completed
Including, operating method. In paragraph 1,
The steps to execute are:
An operation method that checks whether the purchase is executed by checking whether the purchase price for export receivables is deposited. In paragraph 1,
After the generating step,
A step of interlocking with the account terminal system to search for evidence of application through EDI (Electronic Data Interchange) and to obtain the inquired evidence
Further comprising a method of operation. In paragraph 1,
The step of proceeding with the payment process,
Generating an image document by converting the evidence into a harmless file through a False Discovery Rate (FDR) solution, transmitting the image document to the EDMS, and receiving the payment processing result from the EDMS. In paragraph 1,
Inquiring and selecting a purchase conversion target after export bill collection in conjunction with the account terminal system according to the request of the customer terminal
Operation method further comprising. In paragraph 5,
After the selection step,
After collecting the selected export bills, sending an application for purchase conversion of export bills for purchase conversion to the EDMS and receiving payment progress results from the EDMS
Further comprising a method of operation. In paragraph 6,
After the receiving step,
When the approval of the payer is completed in the payment progress result, the step of executing the purchase conversion after the export bill collection
Further comprising a method of operation. In paragraph 7,
The uploading step is
An operation method of interlocking with the account terminal system to query an Internet evidence attachment target and transmitting a request for attachment of evidence to the EDMS based on the inquired details. In paragraph 8,
The uploading step is
An operation method of receiving and transmitting evidential data according to one-time remittance or intermittent remittance to the EDMS. An application processing unit that generates an OAT (Open Account Transaction)-type export receivables purchase application according to the request of the customer terminal and uploads the supporting documents from the customer terminal;
An examination processing unit that conducts examination of the above-mentioned export payment receivables purchase application by checking whether there is duplicate purchase and export performance history through computerized inquiry of bank data; and
If the above examination is passed, an electronic payment processing unit that executes the payment process for the OAT export payment receivables purchase application in conjunction with EDMS (Electronic Document Management System) and executes the OAT export payment receivables purchase when payment approval is completed
Including, corporate banking server. In paragraph 10,
Deposit management department that checks whether the purchase price for export receivables is deposited and whether the purchase is executed
Further comprising a corporate banking server. In paragraph 10,
The application processing department,
According to the request of the customer terminal, in conjunction with the account terminal system to search and select the purchase conversion target after export bill collection
Corporate Banking Server. In paragraph 12,
The electronic payment processing unit,
A corporate banking server that transmits an export bill purchase conversion request for a purchase conversion target after the selected export bill collection, to the EDMS, and receives a payment progress result from the EDMS. In paragraph 10,
The application processing department,
A corporate banking server that receives and transmits evidence from customer terminals to EDMS for individual remittance or intermittent remittance. In paragraph 10,
The application processing department,
A corporate banking server that provides a corporate banking screen including at least one menu of export bond purchase application and application details inquiry menu, export exchange bill purchase conversion application and application details inquiry menu, and document submission menu.

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