WO2008150135A1

WO2008150135A1 - System and method for purchasing trade receivables by using payment guarantee and program recording medium

Info

Publication number: WO2008150135A1
Application number: PCT/KR2008/003187
Authority: WO
Inventors: Ji Ho Jeong; Il Kwang Han; Hag Jin Kim; Jung Chun Chi; Seong Hwan Ha; Sung-Hun Lee; Tae Yong Lee
Original assignee: Shinhan Bank
Priority date: 2007-06-05
Filing date: 2008-06-05
Publication date: 2008-12-11
Also published as: KR20090002101A

Abstract

The present invention relates to a method for processing trade receivables by payment guarantee and a program recording medium thereof. The method includes the steps of: receiving, by an information receiving means, trade receivables payment guarantee request information including domestic export company customer information, foreign import company customer information, factoring contract information, and export/import contract information for the trade receivables payment guarantee provided by a domestic export company customer making a factoring contract for trade receivables with a foreign import company customer from a terminal; transmitting, by an information transmitting means, the received trade receivables payment guarantee request information to a payment guarantee processing means to request payment guarantee for the trade receivables; determining, by a payment guarantee processing means, whether to provide payment guarantee for the transmitted payment guarantee request on the basis of the foreign import company customer financial information, generating the payment guarantee limit information, and transmitting the generated payment guarantee limit information to a receivables purchase processing means; and automatically depositing, by the receivables purchase processing means, the purchase charge in the domestic export company customer account within the payment guarantee limit by reference to receivables (shipment document) purchase request information including shipment document information and purchase charge amount information provided by the domestic export company customer through a terminal.

Description

SYSTEM AND METHOD FOR PURCHASING TRADE RECEIVABLES BY USING PAYMENT GUARANTEE AND PROGRAM RECORDING MEDIUM

Technical Field

[1] The present invention relates to a method for processing trade receivables by payment guarantee. The method includes the steps of: receiving, by an information receiving means, trade receivables payment guarantee request information including domestic export company customer information, foreign import company customer information, factoring contract information, and export/import contract information for the trade receivables payment guarantee provided by a domestic export company customer making a factoring contract for trade receivables with a foreign import company customer from a terminal; transmitting, by an information transmitting means, the received trade receivables payment guarantee request information to a payment guarantee processing means to request payment guarantee for the trade receivables; determining, by a payment guarantee processing means, whether to provide payment guarantee for the transmitted payment guarantee request on the basis of the foreign import company customer financial information, generating the payment guarantee limit information, and transmitting the generated payment guarantee limit information to a receivables purchase processing means; and automatically depositing, by the receivables purchase processing means, the purchase charge in the domestic export company customer account within the payment guarantee limit by reference to receivables (shipment document) purchase request information including shipment document information and purchase charge amount information provided by the domestic export company customer through a terminal. Background Art

[2] Recently, domestic companies are making efforts to achieve global business in various fields. However, despite such global business efforts, domestic financial services fail to reach word-class financial services.

[3] Thus, domestic financial institutions need to provide a variety of convenient financial services for domestic & foreign funds of global companies, such as account management, liquidity management, and payment & settlement for trades, through a network including international affiliated banks, so that customers (companies) can enhance international competitive power in international transactions.

[4] In international trade transactions, exporters have the risk of dishonored receivables due to the bankruptcy or insolvency of corresponding importers and thus need coun- termeasures to prevent the bankruptcy or insolvency of the importers. Disclosure of Invention

Technical Problem

[5] An object of the present invention is to provide a system for processing trade receivables by payment guarantee, comprising: an information receiving means for receiving trade receivables payment guarantee request information including domestic export company customer information, foreign import company customer information, factoring contract information, and export/import contract information for the trade receivables payment guarantee provided by a domestic export company customer making a factoring contract for trade receivables with a foreign import company customer from a terminal; an information transmitting means for transmitting the received trade receivables payment guarantee request information to a payment guarantee processing means to request payment guarantee for the trade receivables; a payment guarantee processing means for determining whether to provide payment guarantee for the transmitted payment guarantee request on the basis of the foreign import company customer financial information, generating the payment guarantee limit information, and transmitting the generated payment guarantee limit information to a receivables purchase processing means; and a receivables purchase processing means for automatically depositing the purchase charge in the domestic export company customer account within the payment guarantee limit by reference to receivables (shipment document) purchase request information including shipment document information and purchase charge amount information provided by the domestic export company customer through a terminal. Technical Solution

[6] A method for processing trade receivables by payment guarantee according to the present invention includes the steps of: receiving, by an information receiving means, trade receivables payment guarantee request information including domestic export company customer information, foreign import company customer information, factoring contract information, and export/import contract information for the trade receivables payment guarantee provided by a domestic export company customer making a factoring contract for trade receivables with a foreign import company customer from a terminal; transmitting, by an information transmitting means, the received trade receivables payment guarantee request information to a payment guarantee processing means to request payment guarantee for the trade receivables; determining, by a payment guarantee processing means, whether to provide payment guarantee for the transmitted payment guarantee request on the basis of the foreign import company customer financial information, generating the payment guarantee limit information, and transmitting the generated payment guarantee limit information to a receivables purchase processing means; and automatically depositing, by the receivables purchase processing means, the purchase charge in the domestic export company customer account within the payment guarantee limit by reference to receivables (shipment document) purchase request information including shipment document information and purchase charge amount information provided by the domestic export company customer through a terminal.

[7] Also, the present invention may include a computer-readable recording medium storing a program for performing the method of processing trade receivables by payment guarantee.

[8] A system for processing trade receivables by payment guarantee according to the present invention includes: an information receiving means for receiving trade receivables payment guarantee request information including domestic export company customer information, foreign import company customer information, factoring contract information, and export/import contract information for the trade receivables payment guarantee provided by a domestic export company customer making a factoring contract for trade receivables with a foreign import company customer from a terminal; an information transmitting means for transmitting the received trade receivables payment guarantee request information to a payment guarantee processing means to request payment guarantee for the trade receivables; a payment guarantee processing means for determining whether to provide payment guarantee for the transmitted payment guarantee request on the basis of the foreign import company customer financial information, generating the payment guarantee limit information, and transmitting the generated payment guarantee limit information to a receivables purchase processing means; and a receivables purchase processing means for automatically depositing the purchase charge in the domestic export company customer account (e.g., CMS account) within the payment guarantee limit by reference to receivables (shipment document) purchase request information including shipment document information and purchase charge amount information provided by the domestic export company customer through a terminal.

[9] According to the present invention, the payment guarantee processing means sets the payment guarantee limit through at least one of the foreign company customer credit inquiry specification , the domestic export company customer transaction money amount, the transaction frequency thereof, the foreign company customer transaction money amount, and the transaction frequency thereof.

Advantageous Effects

[10] According to the present invention, it is possible to prevent the risk of dishonored re- ceivables due to the bankruptcy or insolvency of foreign import customers.

[11] Also, it is easy to provide operating funds by quick encashment of credit trade receivables.

[12] Also, it is possible to provide transaction customer extension by activation of credit transactions.

[13] Also, it is possible to enhance the management capability by providing a trade receivables management service of an import factor (payment guarantee institution). Brief Description of the Drawings

[14] Fig. 1 is a diagram illustrating a face-to-face trade receivables payment guarantee request information registering system for trade receivables of a domestic export company according to an embodiment of the present invention.

[15] Fig. 2 is a diagram illustrating a process for registering trade receivables payment guarantee request information in a face-to-face manner according to an embodiment of the present invention.

[16] Fig. 3 is a diagram illustrating a non-face-to-face trade receivables payment guarantee request information registering system for trade receivables payment guarantee of a domestic export company according to another embodiment of the present invention.

[17] Fig. 4 is a diagram illustrating a process for registering trade receivables payment guarantee request information in a non-face-to-face manner for trade receivables payment guarantee of a domestic export company according to an embodiment of the present invention.

[18] Figs. 5 and 6 are diagrams illustrating a process for registering trade receivables payment guarantee request information in a non-face-to-face manner for trade receivables payment guarantee of a domestic export company according to another embodiment of the present invention.

[19] Fig. 7 is a diagram illustrating a face-to-face payment guarantee processing system for a payment guarantee process based on credit inquiry of a foreign import company according to an embodiment of the present invention.

[20] Fig. 8 is a diagram illustrating a face-to-face payment guarantee processing process for a payment guarantee process based on credit inquiry of a foreign import company according to an embodiment of the present invention.

[21] Fig. 9 is a diagram illustrating a face-to-face receivables purchase processing system for a receivables (shipment document) purchasing process according to an embodiment of the present invention.

[22] Fig. 10 is a diagram illustrating a process for registering receivables (shipment document) purchase request information in a face-to-face manner according to an embodiment of the present invention.

[23] Fig. 11 is a diagram illustrating a non-face-to-face receivables purchase processing system for processing receivables (shipment document) purchase according to another embodiment of the present invention.

[24] Fig. 12 is a diagram illustrating a process for processing receivables (shipment document) purchase according to an embodiment of the present invention.

[25] Figs. 13 and 14 are diagrams illustrating a process for processing receivables

(shipment document) purchase according to another embodiment of the present invention. Best Mode for Carrying Out the Invention

[26] Hereinafter, preferred embodiments of the present invention will be described with reference to the accompanying drawings. The accompanying drawings and the following descriptions relate to preferred embodiments among various embodiments for efficiently describing the features of the present invention, to which the present invention is not limited. Also, the terms used herein are defined according to the functions of the present invention and may vary depending on user's or operator's intentions. Thus, the definition of the terms must be understood based on the overall descriptions made herein. In the following description, well-known functions or configurations are not described in detail since they would obscure the invention in unnecessary detail. Also, various terms are used in the following embodiments to efficiently describe the core technical features of the present invention so that those of ordinary skill in the art can clearly understand the present invention, to which the present invention is not limited. These embodiments should be construed as being provided to fully convey the technical concept of the invention to those of ordinary skill in the art. Therefore, the technical concept and scope of the invention should be defined not by the detailed description of the invention but by the appended claims.

[27] Fig. 1 is a diagram illustrating a face-to-face trade receivables payment guarantee request information registering system for trade receivables of a domestic export company according to an embodiment of the present invention. Specifically, when a domestic export company customer making a factoring contract with a foreign import company provides trade receivables payment guarantee request information, which includes at least one or more of domestic export company customer information, foreign import company customer information, factoring contract information, and export/import contract information for the trade receivables payment guarantee, through an information registering interface to the trade receivables payment guarantee request information registering system of Fig. 1, the trade receivables payment guarantee request information registering system processes the domestic export company customer information, the foreign import company customer information, the factoring contract information, and the export/import contract information, which are included in the provided trade receivables payment guarantee request information, in an associative manner, stores the processed information in a storage medium 130, detects foreign payment guarantee institution information included in the factoring contract information, and requests the payment guarantee of the foreign import company customer for the trade receivables payment guarantee to the detected foreign payment guarantee institution. Those of ordinary skill in the art will readily derive various embodiments of the trade receivables payment guarantee request information registering system for the trade receivables payment guarantee by referring to or modifying Fig. 1. However, the present invention includes all the derived embodiments, and is not limited to the embodiment illustrated in Fig. 1.

[28] Hereinafter, at least one means or functional unit, which is used to store the trade receivables payment guarantee request information provided from the domestic export company customer through an information registering interface, in the storage medium 130 on the trade receivables payment guarantee request information registering system of Fig. 1, will be referred to as a payment guarantee request information registering server 100.

[29] Referring to Fig. 1 according to an embodiment of the present invention, the trade receivables payment guarantee request information registering system for the trade receivables payment guarantee includes an information registering terminal including a window terminal provided in at least one financial institution branch (or business branch or head office). The information registering terminal has a communication channel connected to the payment guarantee request information registering server 100, which is provided on the trade receivables payment guarantee request information registering system, through a financial network (or communication network).

[30] According to an embodiment of the present invention, if the foreign payment guarantee institution is a foreign financial institution, the payment guarantee request information registering server 100 may have a communication channel connected to the foreign payment guarantee institution through a communication network (or SWIFT (Society for Worldwide Interbank Financial Telecommunication)). Herein, the SWIFT is an international interbank information communication network that is operated to process message exchange and fund settlement with foreign banks, making it possible to rapidly and accurately process fund transfer order delivery between international banks, to increase the stability, to easily detect loans, deposit transactions, foreign currency fund trades with foreign banks, balance specifications, and account balances in foreign transaction banks, to rapidly perform money transfer/collection businesses such as mail remittance, telegraphic remittance, and remittance check, and to rapidly process credit opening businesses and document draft notifying businesses.

[31] According to an embodiment of the present invention, when the domestic export company customer visits the financial institution branch for the trade receivables payment guarantee, writes an application form for the trade receivables payment guarantee (e.g., a document with a form for writing in at least one information field for the trade receivables payment guarantee) through a window (or a window operator) provided in the financial institution branch (or business branch or head office), and presents the written application form to the window operator, it is preferable that the window operator inputs (or selects) information, which is written in the application form, through a window terminal, and the window terminal transmits the input (or selected) information through the financial network (or communication network) to the payment guarantee request information registering server 100 on the trade receivables payment guarantee request information registering system. Herein, it is preferable that the window terminal includes a manger terminal that is used by a window operator and is provided in the financial institution branch (or business branch or head office). Also, it is preferable that the payment guarantee request information registering server 100 connected to the window terminal includes a ledger server provided on a financial system. Also, it is preferable that the financial network (or communication network) connecting the window operator and the payment guarantee request information registering server 100 includes an own bank network that connects a communication channel between the window terminal and the payment guarantee request information registering server 100.

[32] In the trade receivables payment guarantee request information registering system, the application form written by the domestic export company customer, the window terminal used by the window operator, and the financial network (or communication network) connecting the window terminal and the payment guarantee request information registering server 100 serve as an information registering interface that is used by the domestic export company customer to register trade receivables payment guarantee request information for the trade receivables payment guarantee.

[33] The storage medium 130, which is provided on the trade receivables payment guarantee request information registering system, processes the domestic export company customer information, the foreign import company customer information, the factoring contract information, and the export/import contract information, which are included in the trade receivables payment guarantee request information provided from the information registering terminal, in an associative manner and stores the processed information. The trade receivables payment guarantee request information, which includes at least one or more of the domestic export company customer information, the foreign import company customer information, the factoring contract information, and the export/import contract information stored in the storage medium 130, is used for the trade receivables payment guarantee.

[34] It is preferable that the domestic export company customer information includes at least one or more of personal information of the domestic export company customer making a factoring contract with a foreign import company for a goods transaction (e.g., a company name, a business registry number, an Inc. registration number, a representative, an address, a phone number, a mobile phone number, and an e-mail address), member information of the domestic export company customer (e.g., a customer information file (CIF) number or member ID information provided in a customer ledger provided on the financial system connected with the trade receivables payment guarantee request information registering system corresponding to the domestic export company customer because the domestic export company customer joins the financial institution as an financial transaction customer), and account information corresponding to a financial account opened in the name of the domestic export company customer.

[35] It is preferable that the foreign import company customer information includes at least one or more of personal information of the foreign import company customer making a factoring contract with a domestic export company for a goods transaction (e.g., a company name, a business registry number (foreign import company unique information corresponding to the business registry number), an Inc. registration number (foreign import company unique information corresponding to the Inc. registration number), a representative, an address, a phone number, a mobile phone number, and an e-mail address), member information of the foreign import company customer (e.g., a customer information file (CIF) number or member ID information provided in a customer ledger provided on the financial system connected with the trade receivables payment guarantee request information registering system corresponding to the foreign import company customer because the foreign import company customer joins the financial institution as an financial transaction customer), and account information corresponding to a financial account opened in the name of the foreign import company customer.

[36] It is preferable that the factoring contract information includes conditions related to a factoring contract, which allows the domestic export company customer to assign, manage and withdraw credit sale receivables through a professional foreign payment guarantee institution, and further includes the foreign payment guarantee institution information.

[37] It is preferable that the export/import contract information includes conditions related to a goods transaction contract between the domestic export company customer and the foreign import company customer, and includes transaction target goods (items), quantity (number), money payment conditions, a contract date, and contract conditions.

[38] According to an embodiment of the present invention, it is preferable that the storage medium 130 is provided in a DBMS on a financial system provided on the trade receivables payment guarantee request information registering system (or connected with the trade receivables payment guarantee request information registering system). Herein, the storage medium 130 may be a ledger D/B provided in the DBMS on the financial system, or a database connected with the ledger D/B, to which the present invention is not limited. According to another embodiment of the present invention, the storage medium 130 may be provided in a DBMS on at least one or more of an Internet banking system, a telebanking system, a wireless banking system, and a TV banking system provided on (or connected with) the trade receivables payment guarantee request information registering system, to which the present invention is not limited.

[39] The payment guarantee request information registering server 100, which is provided on the trade receivables payment guarantee request information registering system, is a general term for the components of the trade receivables payment guarantee request information registering system connected through a financial network (or communication network) to the information registering terminal. The payment guarantee request information registering server 100 may include at least one or more servers (or devices), or may be embodied in at least one or more programs recorded in a recording medium provided in a server (or device), to which the present invention is not limited. According to an embodiment of the present invention, if the information registering terminal is a window terminal connected to a financial network (or communication network), the payment guarantee request information registering server 100 may be a ledger server provided on a financial system connected through a financial network (or communication network) to the window terminal, a server (or device) provided in a front-end processing (FEP) system on the financial system, or a program provided in an FEP system on the financial system, to which the present invention is not limited. According to an embodiment of the present invention, the payment guarantee request information registering server 100 includes an interface unit 105 for connecting and managing a communication channel with the information registering terminal through the financial network (or communication network).

[40] According to an embodiment of the present invention, if the information registering terminal is a window terminal connected to a financial network (or communication network), it is preferable that the interface unit 105 connects a communication with the window terminal based on a protocol stack defined in the financial network (or communication network), and provides a communication interface for transmission/ reception of at least one or more data (or information) by using a communication protocol defined in a financial transaction-related program provided in the window terminal.

[41] Referring to Fig. 1, the payment guarantee request information registering server 100 includes an interface providing unit 110, an information receiving unit 115, a validity checking unit 120, an information storing unit 125, and an information transmitting unit 135. After the information registering terminal connects a communication channel with the payment guarantee request information registering server 100 through the interface unit 105, the interface providing unit 110 generates (or extracts) a user interface for inputting (or selecting) and transmitting trade receivables payment guarantee request information in cooperation with the interface unit 105, and provides the user interface to the information registering terminal. The information receiving unit 115 receives the trade receivables payment guarantee request information that is input (or selected) and transmitted by the information registering terminal through the user interface in cooperation with the interface unit 105. The validity checking unit 120 checks the validity of the received trade receivables payment guarantee request information. The information storing unit 125 associatively processes the domestic export company customer information, the foreign import company customer information, the factoring contract information, and the export/import contract information included in the trade receivables payment guarantee request information determined to be valid, and stores the processed information in the storage medium 130. The information transmitting unit 135 transmits the payment guarantee request information for the foreign import company customer to the foreign payment guarantee institution by reference to the foreign payment guarantee institution information included in the factoring contract information.

[42] After the information registering terminal connects a communication channel with the payment guarantee request information registering server 100 through the interface unit 105, the interface providing unit 110 generates a user interface for inputting (or selecting) the trade receivables payment guarantee request information corresponding to a functional unit provided in the information registering terminal and transmitting the input (or selected) trade receivables payment guarantee request information through the financial network (or communication network) to the payment guarantee request information registering server 100 or extracts the user interface from a database (not shown), or provides the generated (or extracted) user interface through the financial network (or communication network) to the information registering terminal in cooperation with the interface unit 105. According to another embodiment of the pr esent invention, if an information registering program is provided that has at least one or more user interfaces for inputting (or selecting) the trade receivables payment guarantee request information in the information registering terminal and transmitting the input (or selected) trade receivables payment guarantee request information through the financial network (or communication network) to the payment guarantee request information registering server 100, the interface providing unit 110 providing the user interface to the information registering terminal may be omitted, to which the present invention is not limited.

[43] Thereafter, based on the user interface, the information registering terminal inputs (or selects) the trade receivables payment guarantee request information including at least one or more of the domestic export company customer information, the foreign import company customer information, the factoring contract information, and the export/ import contract information, and transmits the input (or selected) trade receivables payment guarantee request information through the financial network (or communication network) to the payment guarantee request information registering server 100.

[44] According to an embodiment of the present invention, if the information registering terminal is a window terminal connected to a financial network (or communication network), it is preferable that the interface providing unit 110 generates (or extracts) a user interface providable to a financial transaction-related program provided in the window terminal, and transmits the generated (or extracted) user interface through the interface unit 105 to the window terminal.

[45] When the information registering terminal inputs (or selects) the trade receivables payment guarantee request information including at least one or more of the domestic export company customer information, the foreign import company customer information, the factoring contract information, and the export/import contract information through the user interface and transmits the input (or selected) trade receivables payment guarantee request information through the financial network (or communication network) to the payment guarantee request information registering server 100, the information receiving unit 115 receives the transmitted trade receivables payment guarantee request information in cooperation with the interface unit 105 and provides the received trade receivables payment guarantee request information to the validity checking unit 120.

[46] The validity checking unit 120 checks whether the trade receivables payment guarantee request information received from the information registering terminal satisfies the validity for the trade receivables payment guarantee. According to an embodiment of the present invention, it is preferable that checking the validity of the trade receivables payment guarantee request information includes checking whether at least one or more ledger information matching with the trade receivables payment guarantee request information is registered in a ledger D/B on a financial system connected with the trade receivables payment guarantee request information registering system. For example, checking the validity of the trade receivables payment guarantee request information may include checking whether the domestic export company customer information included in the trade receivables payment guarantee request information matches with a customer ledger stored in a ledger D/B on a financial system connected with the trade receivables payment guarantee request information registering system. Also, checking the validity of the trade receivables payment guarantee request information may include checking whether the domestic export company customer account information included in the trade receivables payment guarantee request information matches with an account ledger stored in a ledger D/B on a financial system connected with the trade receivables payment guarantee request information registering system.

[47] After the trade receivables payment guarantee request information is determined to be valid, the information storing unit 125 associatively processes the domestic export company customer information, the foreign import company customer information, the factoring contract information, and the export/import contract information included in the trade receivables payment guarantee request information, and stores the processed information in the storage medium 130. If the storage medium 130 is provided in the payment guarantee request information registering server 100 or on a network connected with the payment guarantee request information registering server 100, it is preferable that the information storing unit 125 associatively processes the domestic export company customer information, the foreign import company customer information, the factoring contract information, and the export/import contract information included in the received trade receivables payment guarantee request information, and stores the processed information in the storage medium 130. If the storage medium 130 is provided in a DBMS provided on a financial system, it is preferable that the information storing unit 125 provides the domestic export company customer information, the foreign import company customer information, the factoring contract information, and the export/import contract information included in the received trade receivables payment guarantee request information to an information system through an FEP system on the financial system to store the provided information in the DBMS provided on the financial system.

[48] The information transmitting unit 135 transmits the payment guarantee request information for the foreign import company customer to the foreign payment guarantee institution by reference to the foreign payment guarantee institution information included in the factoring contract information. According to an embodiment of the present invention, it is preferable that the payment guarantee request information includes credit inquiry target foreign import company customer information and factoring contract information. If the payment guarantee request information is transmitted through the SWIFT to the foreign payment guarantee institution, the payment guarantee request information may further include a BIC (Bank Identifier Code) for identifying the foreign payment guarantee institution.

[49] Fig. 2 is a diagram illustrating a process for registering trade receivables payment guarantee request information in a face-to-face manner according to an embodiment of the present invention. Specifically, Fig. 2 illustrates an embodiment in which, if the payment guarantee request information registering server 100 on the trade receivables payment guarantee request information registering system illustrated in Fig. 1 has the function of a ledger server (not shown) on a financial system connected with a window terminal through a financial network (or communication network), when the window terminal accesses the payment guarantee request information registering server 100 to connect a communication channel for trade receivables payment guarantee request information registration according to the present invention and then transmits the trade receivables payment guarantee request information including the domestic export company customer information, the foreign import company customer information, the factoring contract information, and the export/import contract information through the communication channel to the payment guarantee request information registering server 100, the payment guarantee request information registering server 100 asso- ciatively processes the domestic export company customer information, the foreign import company customer information, the factoring contract information, and the export/import contract information included in the trade receivables payment guarantee request information and stores the processed information in the storage medium 130. Those of ordinary skill in the art will readily derive various embodiments of a process for registration of the trade receivables payment guarantee request information by the window terminal into the payment guarantee request information registering server 100 by referring to or modifying Fig. 2. However, the present invention includes all the derived embodiments, and is not limited to the embodiment illustrated in Fig. 2.

[50] Hereinafter, for simplicity's sake, the window terminal illustrated in Fig. 1 will be referred to as a terminal, the payment guarantee request information registering server 100 illustrated in Fig. 1 will be referred to as a server, and the domestic export company customer information, the foreign import company customer information, the factoring contract information, and the export/import contract information transmitted from the window terminal to the payment guarantee request information registering server 100 will be referred to as trade receivables payment guarantee request information.

[51] Referring to Fig. 2, the window terminal illustrated in Fig. 1 accesses the server through a financial network (or communication network) to connect a communication channel for registration of the trade receivables payment guarantee request information, and requests registration of the trade receivables payment guarantee request information for the trade receivables payment guarantee (200). The server generates (or extracts) an information registering interface for registration of the trade receivables payment guarantee request information (205), and transmits the generated (or extracted) information registering interface through the communication channel to the terminal (210). According to an embodiment of the present invention, it is preferable that the information registering interface includes a user interface for the terminal to input (or select) trade receivables payment guarantee request information including at least one or more of the domestic export company customer information, the foreign import company customer information, the factoring contract information, and the export/import contract information.

[52] Thereafter, the terminal inputs (or selects) trade receivables payment guarantee request information including at least one or more of domestic export company customer information, foreign import company customer information, factoring contract information, and export/import contract information by means of the information registering interface (215).

[53] If the terminal inputs (or selects) trade receivables payment guarantee request information including the domestic export company customer information, the foreign import company customer information, the factoring contract information, and the export/import contract information by means of the information registering interface (220), it transmits the input (or selected) trade receivables payment guarantee request information including the domestic export company customer information, the foreign import company customer information, the factoring contract information, and the export/import contract information through the financial network (or communication network) to the server (225).

[54] Thereafter, the server receives the domestic export company customer information, the foreign import company customer information, the factoring contract information, and the export/import contract information through the financial network (or communication network), and reads the received information to check the validity of the trade receivables payment guarantee request information (230). According to an embodiment of the present invention, it is preferable that checking the validity of the trade receivables payment guarantee request information includes checking whether at least one or more ledger information matching with the trade receivables payment guarantee request information is registered in a ledger D/B on a financial system connected with the trade receivables payment guarantee request information registering system. For example, checking the validity of the trade receivables payment guarantee request information may include checking whether the domestic export company customer information included in the trade receivables payment guarantee request information matches with a customer ledger stored in a ledger D/B on a financial system connected with the trade receivables payment guarantee request information registering system. Also, checking the validity of the trade receivables payment guarantee request information may include checking whether the domestic export company customer account information included in the trade receivables payment guarantee request information matches with an account ledger stored in a ledger D/B on a financial system connected with the trade receivables payment guarantee request information registering system.

[55] If the validity of the trade receivables payment guarantee request information is not authenticated (235), the server generates and transmits information-registration error information to the terminal (240), without performing an information registration process corresponding to the trade receivables payment guarantee request information.

[56] On the other hand, if the validity of the trade receivables payment guarantee request information is authenticated (235), the server performs an information registration process corresponding to the trade receivables payment guarantee request information, thereby processing the domestic export company customer information, the foreign import company customer information, the factoring contract information, and the export/import contract information in an associative manner and storing processed information in the storage medium 130 (245). According to an embodiment of the present invention, it is preferable that the storage medium 130 is provided in a DBMS on a financial system provided on the trade receivables payment guarantee request information registering system (or connected with the trade receivables payment guarantee request information registering system). Herein, the storage medium 130 may be a ledger D/B provided in the DBMS on the financial system, or a database connected with the ledger D/B, to which the present invention is not limited. According to another embodiment of the present invention, the storage medium 130 may be provided in a DBMS on at least one or more of an Internet banking system, a telebanking system, a wireless banking system, and a TV banking system provided on (or connected with) the trade receivables payment guarantee request information registering system, to which the present invention is not limited.

[57] Thereafter, the server generates and transmits information-registration specification information to the terminal (250), thereby completing the registration of the trade receivables payment guarantee request information transmitted from the terminal.

[58] Also, the server transmits the payment guarantee request information for trade receivables purchase the foreign import company customer to the foreign payment guarantee institution by reference to the foreign payment guarantee institution information included in the factoring contract information. Herein, it is preferable that the payment guarantee request information includes credit inquiry target foreign import company customer information and factoring contract information. If the payment guarantee request information is transmitted through the SWIFT to the foreign payment guarantee institution, the payment guarantee request information may further include a BIC (Bank Identifier Code) for identifying the foreign payment guarantee institution.

[59] Fig. 3 is a diagram illustrating a non-face-to-face trade receivables payment guarantee request information registering system for trade receivables payment guarantee of a domestic export company according to another embodiment of the prese nt invention. Specifically, when a domestic export company customer making a factoring contract with a foreign import company customer with respect to trade receivables provides trade receivables payment guarantee request information, which includes at least one or more of domestic export company customer information, foreign import company customer information, factoring contract information, and export/import contract information for trade receivables payment guarantee, through an information registering interface to the trade receivables payment guarantee request information registering system, the trade receivables payment guarantee request information registering system processes the domestic export company customer information, foreign import company customer information, factoring contract information, and export/import contract information, which are included in the provided trade receivables payment guarantee request information, in an associative manner, and stores the processed information in a storage medium 130. The trade receivables payment guarantee request information registering system checks foreign payment guarantee institution information included in the factoring contract, and requests the payment guarantee of the foreign import company customer to the checked foreign payment guarantee institution in order for the payment guarantee. Those of ordinary skill in the art will readily derive various embodiments of the trade receivables payment guarantee request information registering system for trade receivables payment guarantee of a domestic export company by referring to or modifying Fig. 3. However, the present invention includes all the derived embodiments, and is not limited to the embodiment illustrated in Fig. 3.

[60] Hereinafter, at least one means or functional unit, which is used to store trade receivables payment guarantee request information, which is provided from the domestic export company customer through an information registering interface, in the storage medium 130 on the trade receivables payment guarantee request information registering system of Fig. 3, will be referred to as a payment guarantee request information registering server 300.

[61] Referring to Fig. 3 according to an embodiment of the present invention, the trade receivables payment guarantee request information registering system for trade receivables payment guarantee of the domestic export company includes an information registering terminal including at least one or more client terminals having at least one wired terminal or a wireless terminal that the domestic export company customer uses. The information registering terminal has a communication channel connected to the payment guarantee request information registering server 300, which is provided on the trade receivables payment guarantee request information registering system, through a network means.

[62] According to an embodiment of the present invention, if the foreign payment guarantee institution is a foreign financial institution, the payment guarantee request information registering server 300 may have a communication channel connected to the foreign payment guarantee institution through a communication network (or SWIFT). Herein, the SWIFT (Society for Worldwide Interbank Financial Telecommunication) is an international interbank information communication network that is operated to process message exchange and fund settlement with foreign banks, making it possible to rapidly and accurately process fund transfer order delivery between international banks, to increase the stability, to easily detect loans, deposit transactions, foreign currency fund trades with foreign banks, balance specifications, and account balances in foreign transaction banks, to rapidly perform money transfer/collection businesses such as mail remittance, telegraphic remittance, and remittance check, and to rapidly process credit opening businesses and document draft notifying businesses.

[63] According to an embodiment of the present invention, it is preferable that, if the domestic export company customer is connected to the payment guarantee request information registering server 300 through at least one or more client terminals of wired terminals connected to a wired communication network or wireless terminals connected to a wireless communication terminal, and inputs (or selects) the trade receivables payment guarantee request information for trade receivables payment guarantee of the domestic export company through at least one or more user interfaces provide by the payment guarantee request information registering server 300, the client terminal transmits the payment guarantee request information through the network means to the payment guarantee request information registering server 300 provided on the trade receivables payment guarantee information registering system.

[64] Herein, the wired terminal connected to the wired communication network is a general term for all terminals connected to a Transmission Control Protocol/Internet Protocol (TCP/IP) based communication network, and it is preferable that the wired terminal includes at least one or more of a desktop computer or a notebook connected to the TCP/IP based communication network, or a household terminal (i.e., a set- top-box, etc.) connected to the TCP/IP based communication network, or a KIOSK connected to the TCP/IP based communication network.

[65] In addition, the wireless terminal connected to the wireless communication network is a general term for all terminals connected to a Code Division Multiple Access (CDMA) based mobile communication network, or all terminals connected to IEEE 802.16x based portable Internet, or all terminals connected to a wireless data communication network using a DataTAC scheme of Motorola or a Mobitex scheme of Erricson, and it is preferable that the wireless terminal includes at least one or more of a Personal Communication System (PCS) or Global System for Mobile communications (GSM) or Personal Digital Cellular (PDC) or Personal Handyphone System (PHS) terminal or Personal Digital Assistant (PDA) or Smart Phone or Telematics connected to the CDMA based mobile communication network, or a portable Internet terminal connected to the IEEE 802.16x based portable Internet, or a wireless data communication terminal connected to the DataTAC/Mobitex based wireless communication network.

[66] Furthermore, it is preferable that the payment guarantee request information registering server 300 connected to the client terminal is any one of an Internet banking server or a wireless banking server or a telebanking server or a TV banking server according to characteristic of the client terminal and the network means, or includes a separate web server for the information registration.

[67] Furthermore, it is preferable that the network means connecting the client terminal to the payment guarantee request information registering server 300 is any one of a CDMA based mobile communication network or an IEEE 802.16x based portable internet or a DataTAX/Mobitex based wireless data communication network according to kinds of the wireless communication network to which the client terminal is connected, or includes all kinds of wireless communication networks, which will be proposed in the future, including a wireless interval.

[68] Moreover, it is preferable that the client terminal includes a function configuration

(for example, a browser program and communication function, or a communication program and communication function communicating with the payment guarantee request information registering server 300) for outputting at least one or more user interfaces provided from the payment guarantee request information registering server 300, inputting or selecting at least one or more information through the user interfaces, and transmitting the information to the payment guarantee request information registering server 300. Those of ordinary skill in the art will readily derive the characteristics of the client terminal corresponding to at least one or more wired terminals or wireless terminals, and thus detailed description thereof will be omitted for convenience.

[69] In the trade receivables payment guarantee request information registering system, the client terminal including at least one or more wired terminals or wireless terminals, which the domestic export company customer uses, and at least one or more wired communication networks or wireless communication networks connecting the client terminal to the payment guarantee request information registering server 300 perform a function of the information registering interface for registering the trade receivables payment guarantee request information in order for the domestic export company customer to guarantee the trade receivables payment.

[70] According to another embodiment of the present invention, in addition to the client terminal, the information registering terminal may further include an automatic financial machine (not shown) including an Automatic Teller Machine (ATM) or a Cash Dispenser (CD) connected to a financial network (for example, a financial common network), or may further include a call terminal (not shown) connected to a wired telephone network such as a Public Switched Telephone Network (PSTN) or a Voice over IP (VoIP) network, or may further include a call terminal (not shown) connected to a wireless telephone network such as a mobile communication network or a wireless VoIP network, or may include a terminal (or a server) (not shown) provided in at least one or more institutions affiliated with the financial institution. However, the present invention is not limited to the above-described embodiment.

[71] In the trade receivables payment guarantee request information registering system, if the information registering terminal is the call terminal (not shown), the call terminal (not shown) and the wired telephone network or wireless telephone network connecting the call terminal (not shown) to the payment guarantee request information registering server 300 perform a function of the information registering interface for registering the trade receivables payment guarantee request information in order for the domestic export company customer to guarantee the trade receivables payment, or if the information registering terminal is the terminal (or the server) (not shown) provided in the institution affiliated with the financial institution, the terminal (or the server) (not shown) and the network connecting the terminal (or the server) (not shown) to the payment guarantee request information registering server 300 perform a function of the information registering interface for registering the trade receivables payment guarantee request information in order for the domestic export company customer to guarantee the trade receivables payment.

[72] The storage medium 130, which is provided on the trade receivables payment guarantee request information registering system, processes the domestic export company customer information, the foreign import company customer information, the factoring contract information, and the export/import contract information, which are included in the trade receivables payment guarantee request information provided from the information registering terminal, in an associative manner, and stores the processed information. The trade receivables payment guarantee request information, which includes at least one or more of the domestic export company customer information, the foreign import company customer information, the factoring contract information, and the export/import contract information stored in the storage medium 130, is used for trade receivables payment guarantee of the domestic export company.

[73] It is preferable that the domestic export company customer information includes at least one or more of personal information of the domestic export company customer making a factoring contract with the foreign import company with respect to product transaction (e.g., a company name, a business registry number, an Inc. registration number, a representative, an address, a phone number, a mobile phone number, and an e-mail address), member information of the domestic export company customer (e.g., a customer information file (CIF) number or member ID information provided in a customer ledger provided on the financial system connected with the trade receivables payment guarantee request information registering system corresponding to the domestic export company customer because the domestic export company customer joins the financial institution as an financial transaction customer), and account information corresponding to a financial account opened in the name of the domestic export company customer.

[74] It is preferable that the foreign import company customer information includes at least one or more of personal information of the foreign import company customer making a factoring contract with the domestic export company with respect to product transaction (e.g., a company name, a business registry number (foreign import company unique information corresponding to a business registry number), an Inc. registration number (foreign import company unique information corresponding to an Inc. registration number), a representative, an address, a phone number, a mobile phone number, and an e-mail address), member information of the foreign import company customer (e.g., a customer information file (CIF) number or member ID information provided in a customer ledger provided on the financial system connected with the trade receivables payment guarantee request information registering system corresponding to the foreign import company customer because the foreign import company customer joins the financial institution as an financial transaction customer), and account information corresponding to a financial account opened in the name of the foreign import company customer.

[75] It is preferable that the factoring contract information includes conditions related to a factoring contract, which allows the domestic export company customer to assign, manage and withdraw credit sale receivables through a professional foreign payment guarantee institution, and further includes the foreign payment guarantee institution information.

[76] It is preferable that the export/import contract information includes conditions related to a goods transaction contract between the domestic export company customer and the foreign import company customer, and includes transaction target goods (items), quantity (number), money payment conditions, a contract date, and contract conditions.

[77] According to an embodiment of the present invention, it is preferable that the storage medium 130 is provided in a DBMS on a financial system provided on the trade receivables payment guarantee request information registering system (or connected to the trade receivables payment guarantee request information registering system). Herein, the storage medium 130 may be a ledger D/B provided in the DBMS on the financial system, or a database connected with the ledger D/B, to which the present invention is not limited. According to another embodiment of the present invention, the storage medium 130 may be provided in a DBMS on at least one or more of an Internet banking system, a telebanking system, a wireless banking system, and a TV banking system provided on (or connected with) the trade receivables payment guarantee request information registering system, to which the present invention is not limited.

[78] The payment guarantee request information registering server 300, which is provided on the trade receivables payment guarantee request information registering system, is a general term for the components of the trade receivables payment guarantee request information registering system connected through a network means to the information registering terminal. The payment guarantee request information registering server 300 may include at least one or more servers (or devices), or may be embodied in at least one or more programs recorded in a recording medium provided in a server (or device), to which the present invention is not limited.

[79] According to an embodiment of the present invention, if the information registering terminal is a client terminal including a wired terminal or a wireless terminal, which is connectable to an Internet banking server on an Internet banking system, the payment guarantee request information registering server 300 may be an Internet banking server provided on the Internet banking system, or a program provided on the Internet banking server, or a server (or a device) accessible to an FEP system on the financial system through the Internet banking system, a program provided on the server (or the device), or a server (or a device) provided on an FEP system on the financial system accessible through the Internet banking server (or the server (or the device)), or a program provided on the FEP system on the financial system, to which the present invention is not limited.

[80] According to another embodiment of the present invention, if the information registering terminal is a client terminal including a wireless terminal, which is connectable to a wireless banking server on a wireless banking system, the payment guarantee request information registering server 300 may be a wireless banking server provided on the wireless banking system, or a program provided on the wireless banking server, or a server (or a device) accessible to an FEP system of the financial system through the wireless banking system, a program provided on the server (or the device), or a server (or a device) provided on an FEP system on the financial system accessible through the wireless banking server (or the server (or the device)), or a program provided on the FEP system on the financial system, to which the present invention is not limited.

[81] According to further embodiment of the present invention, if the information registering terminal is a call terminal (not shown) connectable to a telebanking server on a telebanking system, the payment guarantee request information registering server 300 may be a telebanking server (for example, an Automatic Response Service (ARS)) provided on the telebanking system, or a program provided on the telebanking server, or a server (or a device) accessible to an FEP system of the financial system through the telebanking system, a program provided on the server (or the device), or a server (or a device) provided on an FEP system on the financial system accessible through the telebanking server (or the server (or the device)), or a program provided on the FEP system on the financial system, to which the present invention is not limited.

[82] According to further embodiment of the present invention, if the information registering terminal is a wired terminal (or a bi-directional digital TV) connectable to a TV banking server on a TV banking system, the payment guarantee request information registering server 300 may be a TV banking server provided on the TV banking system, or a program provided on the TV banking server, or a server (or a device) accessible to an FEP system of the financial system through the TV banking system, a program provided on the server (or the device), or a server (or a device) provided on an FEP system on the financial system accessible through the TV banking server (or the server (or the device)), or a program provided on the FEP system on the financial system, to which the present invention is not limited.

[83] According to an embodiment of the present invention, the payment guarantee request information registering server 300 includes an interface unit 305 managing and connecting the information registering terminal to a communication channel through the network means.

[84] According to an embodiment of the present invention, if the information registering terminal is a client terminal including a wired terminal connected to a wired communication network, it is preferable that the interface unit 305 provides a communication interface for connecting the client terminal to a communication channel, based on a protocol stack defined in the wired communication network or the wireless communication network, and transmitting/receiving at least one or more information (or data) using a communication protocol defined in a communication program provided in the client terminal. For example, if a browser program corresponding to a Hyper- Text Transfer Protocol (HTTP) protocol is provided in the client terminal, the interface unit 605 provides a communication interface for connecting the client terminal to a communication channel, based on the TCP/IP protocol, and transmitting/ receiving a webpage (for example, Hyper-Text Markup Language (HTML) compatible webpage) or information by using an HTTP protocol defined in the web browser.

[85] If a communication program (for example, Internet banking program) provided from the payment guarantee request information registering server 300 is provided in the client terminal, the interface unit 305 provides a communication interface for connecting the client terminal to a communication channel, based on the TCP/IP program, and receiving information (or data) by using a communication protocol defined in the communication program.

[86] According to another embodiment of the present invention, if the information registering terminal is a client terminal including a wireless terminal connected to a wireless communication network, it is preferable that the interface unit 305 provides a communication interface for connecting the client terminal to a communication channel, based on a protocol stack defined in the wireless communication network, and transmitting/receiving at least one information (or data) by using a communication protocol defined in a communication program provided in the client terminal. For example, if a browser program corresponding to a Wireless Application Protocol (WAP) or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 305 provides a communication interface for connecting the client terminal to a communication channel, based on the CDMA protocol, and transmitting/ receiving a webpage (for example, a Wireless Markup Language (WML) compatible webpage or an HTML compatible webpage) or information by using a WAP/ME protocol defined in the browser program.

[87] If the communication program (for example, an IC chip based banking program or the like) provided from the payment guarantee request information registering server 300 is provided in the client terminal, the interface unit 305 provides a communication interface for connecting the client terminal to the communication channel, based on the CDMA protocol, and transmitting/receiving information (or data) by using a communication protocol defined in the communication program.

[88] According to further embodiment of the present invention, if the information registering terminal is an automatic financial machine connected to a financial network, it is preferable that the interface unit 305 provides a communication interface for connecting the automatic financial machine to a communication channel, based on a protocol stack defined in the financial network, and transmitting/receiving at least one or more information (or data) by using a communication protocol defined in a financial transaction related program provided in the automatic financial machine.

[89] According to further embodiment of the present invention, if the information registering terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 305 provides a communication interface for connecting the call terminal (not shown) to a call channel, based on a voice call protocol defined in the wired telephone network or the wireless telephone network, and transmitting/receiving information (or data) based on the voice call. For example, the interface unit 305 provides a communication interface for transmitting/receiving Dual Tone MultiFrequency (DTMF) based information to/from the call terminal through the call channel, or provides a communication interface for transmitting/receiving a voice recognition based information.

[90] According to further embodiment of the present invention, if the information registering terminal is a wired terminal (or a bi-directional digital TV) connected to a TV banking system, it is preferable that the interface unit 305 provides a communication interface for connecting the wired terminal (or the bi-directional digital TV) to a communication channel, based on a protocol stack defined in the TV banking system, and transmitting/receiving at least one or more information (or data) by using a communication protocol defined in a communication program provided in the wired terminal (or the bi-directional digital TV).

[91] Referring to Fig. 3, the payment guarantee request information registering server 300 includes an interface providing unit 310, an information receiving unit 315, an information storing unit 325, and an information transmitting unit 335. After the information registering terminal connects a communication channel with the payment guarantee request information registering server 300 through the interface unit 305, the interface providing unit 310 generates (or extracts) a user interface for inputting (or selecting) and transmitting trade receivables payment guarantee request information in cooperation with the interface unit 305, and provides the user interface to the information registering terminal. The information receiving unit 315 receives the trade receivables payment guarantee request that is input (or selected) and transmitted by the information registering terminal through the user interface in cooperation with the interface unit 305. The information storing unit 325 associatively processes the domestic export company customer information, the foreign import company customer information, the factoring contract information, and the export/import contract information included in the received trade receivables payment guarantee request information, and stores the processed information in the storage medium 130. The information transmitting unit 335 transmits the payment guarantee request information for the foreign import company customer to the foreign payment guarantee institution.

[92] After the information registering terminal connects a communication channel with the payment guarantee request information registering server 300 through the interface unit 305, the interface providing unit 310 generates a user interface for inputting (or selecting) the trade receivables payment guarantee request information corresponding to a functional unit provided in the information registering terminal and transmitting the input (or selected) trade receivables payment guarantee request information through the network means to the payment guarantee request information registering server 300 or extracts the user interface from a database (not shown), or provides the generated (or extracted) user interface through the network means to the information registering terminal in cooperation with the interface unit 305.

[93] Thereafter, based on the user interface, the information registering terminal inputs (or selects) the trade receivables payment guarantee request information including at least one or more of the domestic export company customer information, the foreign import company customer information, the factoring contract information, and the export/ import contract information, and transmits the input (or selected) trade receivables payment guarantee request information through the financial network to the payment guarantee request information registering server 300.

[94] According to an embodiment of the present invention, if the information registering terminal is a client terminal including a wired terminal or a wireless terminal connected to a wired communication network or a wireless communication network, it is preferable that the interface providing unit 310 generates (or extracts) a user interface, which can be provided as a browser program or a communication program provided in the client terminal, and provides the generated (or extracted) user interface through the interface unit 305 to the client terminal.

[95] According to another embodiment of the present invention, if the information registering terminal is a client terminal including a wireless terminal connected to a wireless communication network, it is preferable that the interface providing unit 310 generates (or extracts) a user interface, which can be provided as a browser program or a communication program provided in the client terminal, and provides the generated (or extracted) user interface through the interface unit 305 to the client terminal.

[96] According to further embodiment of the present invention, if the information registering terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, it is preferable that the interface providing unit 310 generates (or extracts) a user interface, which can be provided to the call terminal (not shown), and provides the generated (or extracted) user interface (for example, an ARS based user interface) through the interface unit 305 to the call terminal (not shown).

[97] According to further embodiment of the present invention, if the information registering terminal is a wired terminal (or a bi-directional digital TV) connected to a TV banking system, it is preferable that the interface providing unit 310 generates (or extracts) a user interface, which can be provided to the wired terminal (or the bi- dimensional digital TV), and provides the generated (or extracted) user interface through the interface unit 305 to the wired terminal (or the bi-directional digital TV).

[98] According to further embodiment of the present invention, if an information registering program is provided that has at least one or more user interfaces for inputting (or selecting) the trade receivables payment guarantee request information in the information registering terminal and transmitting the input (or selected) trade receivables payment guarantee request information through the network means to the payment guarantee request information registering server 300, the interface providing unit 310 providing the user interface to the information registering terminal may be omitted, to which the present invention is not limited.

[99] When the information registering terminal inputs (or selects) the trade receivables payment guarantee request information including at least one or more of the domestic export company customer information, the foreign import company customer information, the factoring contract information, and the export/import contract information through the user interface and transmits the input (or selected) trade receivables payment guarantee request information through the network means, the information receiving unit 315 receives the transmitted trade receivables payment guarantee request information in cooperation with the interface unit 305 and provides the received trade receivables payment guarantee request information to the validity checking unit 320.

[100] The validity checking unit 320 checks whether the trade receivables payment guarantee request information received from the information registering terminal satisfies the validity for trade receivables payment guarantee of the domestic export company. According to an embodiment of the present invention, it is preferable that checking the validity of the trade receivables payment guarantee request information includes checking whether at least one or more ledger information matching with the trade receivables payment guarantee request information is registered in a ledger D/B on a financial system connected with the trade receivables payment guarantee request information registering system. For example, checking the validity of the trade receivables payment guarantee request information may include checking whether the domestic export company customer information included in the trade receivables payment guarantee request information matches with a customer ledger stored in a ledger D/B on a financial system connected with the payment guarantee request information registering system. Also, checking the validity of the trade receivables payment guarantee request information may include checking whether the domestic export company customer account information included in the trade receivables payment guarantee request information matches with an account ledger stored in a ledger D/B on a financial system connected with the payment guarantee request in- formation registering system.

[101] After the trade receivables payment guarantee request information is determined to be valid, the information storing unit 325 associatively processes the domestic export company customer information, the foreign import company customer information, the factoring contract information, and the export/import contract information included in the trade receivables payment guarantee request information, and stores the processed information in the storage medium 130. If the storage medium 130 is provided in the payment guarantee request information registering server 300 or on a network connected with the payment guarantee request information registering server 300, it is preferable that the information storing unit 325 associatively processes the domestic export company customer information, the foreign import company customer information, the factoring contract information, and the export/import contract information included in the received trade receivables payment guarantee request information, and stores the processed information in the storage medium 130. If the storage medium 130 is provided in a DBMS provided on a financial system, it is preferable that the information storing unit 325 provides the domestic export company customer information, the foreign import company customer information, the factoring contract information, and the export/import contract information included in the received trade receivables payment guarantee request information to an information system through an FEP system on the financial system to store the provided information in the DBMS provided on the financial system.

[102] The information transmitting unit 335 transmits the payment guarantee request information for the foreign import company customer to the foreign payment guarantee institution by referring to the foreign payment guarantee institution information included in the factoring contract information. According to an embodiment of the present invention, it is preferable that the payment guarantee request information includes the credit inquiry target foreign import company customer information and the factoring contract information. If the payment guarantee request information is transmitted to the foreign payment guarantee institution through the SWIFT, the payment guarantee request information may further include a Bank Identifier Code (BIC) for identifying the foreign payment guarantee institution.

[103] Fig. 4 is a diagram illustrating a process for registering trade receivables payment guarantee request information in a non-face-to-face manner for trade receivables payment guarantee of a domestic export company according to an embodiment of the present invention. Specifically, Fig. 4 illustrates an embodiment in which, if the payment guarantee request information registering server 300 on the trade receivables payment guarantee request information registering system illustrated in Fig. 3 has the function of a web server to allow a client terminal to be connected through a network means, when the client terminal accesses the payment guarantee request information registering server 300 to connect a communication channel for payment guarantee request information registration according to the present invention and then transmits the trade receivables payment guarantee request information including the domestic export company customer information, the foreign import company customer information, the factoring contract information, and the export/import contract information through the communication channel to the payment guarantee request information registering server 300, the payment guarantee request information registering server 300 associatively processes the domestic export company customer information, the foreign import company customer information, the factoring contract information, and the export/import contract information included in the received trade receivables payment guarantee request information and stores the processed information in the storage medium 130. Those of ordinary skill in the art will readily derive various embodiments of a method of registering the trade receivables payment guarantee request information by the client terminal into the payment guarantee request information registering server 300 by referring to or modifying Fig. 4. However, the present invention includes all the derived embodiments, and is not limited to the embodiment illustrated in Fig. 4.

[104] Hereinafter, for simplicity's sake, the client terminal illustrated in Fig. 4 will be referred to as a terminal, the payment guarantee request information registering server 300 illustrated in Fig. 3 will be referred to as a server, and the domestic export company customer information, the foreign import company customer information, the factoring contract information, and the export/import contract information transmitted from the client terminal to the payment guarantee request information registering server 300 will be referred to a trade receivables payment guarantee request information.

[105] Referring to Fig. 4, the client terminal illustrated in Fig. 3 accesses the server through a network means (for example, a TCP/IP based wired communication network if the client terminal is a wired terminal, or a CDMA based mobile communication network or an IEEE 802.16x based portable Internet if the client terminal is a wireless terminal) to connect a communication channel for registration of the trade receivables payment guarantee request information, and requests registration of the trade receivables payment guarantee request information for trade receivables payment guarantee of the domestic export company (400). The server generates (or extracts) a webpage corresponding to an information registering interface for registration of the trade receivables payment guarantee request information (405), and transmits the generated (or extracted) webpage through the communication channel to the terminal (410). According to an embodiment of the present invention, it is preferable that the in- formation registering interface includes a user interface for the terminal to input (or select) trade receivables payment guarantee request information including at least one or more of the domestic export company customer information, the foreign import company customer information, the factoring contract information, and the export/ import contract information. Also, it is preferable that the process for transmitting or outputting the webpage is performed at least one time according to the process for registering the trade receivables payment guarantee request information, to which the present invention is not limited.

[106] Thereafter, the terminal inputs (or selects) trade receivables payment guarantee request information including at least one or more of domestic export company customer information, the foreign import company customer information, the factoring contract information, and the export/import contract information by means of the information registering interface (415).

[107] If the terminal inputs (or selects) trade receivables payment guarantee request information including the domestic export company customer information, the foreign import company customer information, the factoring contract information, and the export/import contract information by means of the information registering interface (420), it transmits the input (or selected) domestic export company customer information, foreign import company customer information, factoring contract information, and export/import contract information through the communication channel to the server (425). According to the embodiment of the present invention, transmitting the domestic export company customer information, the foreign import company customer information, the factoring contract information, and the export/import contract information through the communication channel to the server may further include electronically signing or encrypting the trade receivables payment guarantee request information, which is input (or selected) by means of the information registering interface, through a security module provided in the terminal, and transmitting the trade receivables payment guarantee request information to the server.

[108] Thereafter, the server receives the domestic export company customer information, the foreign import company customer information, the factoring contract information, and the export/import contract information through the communication channel, and reads the received information to check the validity of the trade receivables payment guarantee request information (430). According to an embodiment of the present invention, checking the validity of the trade receivables payment guarantee request information may further include decrypting the trade receivables payment guarantee request information if the trade receivables payment guarantee request information is electronically signed or encrypted by means of the security module provided in the terminal. According to an embodiment of the present invention, it is preferable that checking the validity of the trade receivables payment guarantee request information includes checking whether at least one or more ledger information matching with the trade receivables payment guarantee request information is registered in a ledger D/B on a financial system connected with the trade receivables payment guarantee request information registering system. For example, checking the validity of the trade receivables payment guarantee request information may include checking whether the domestic export company customer information included in the trade receivables payment guarantee request information matches with a customer ledger stored in a ledger D/B on a financial system connected with the trade receivables payment guarantee request information registering system. Also, checking the validity of the trade receivables payment guarantee request information may include checking whether the domestic export company customer account information included in the trade receivables payment guarantee request information matches with an account ledger stored in a ledger D/B on a financial system connected with the trade receivables payment guarantee request information registering system.

[109] If the validity of the trade receivables payment guarantee request information is not authenticated (435), the server generates and transmits a webpage including information-registration error information to the terminal (440), without performing an information registration process corresponding to the trade receivables payment guarantee request information.

[110] On the other hand, if the validity of the trade receivables payment guarantee request information is authenticated (435), the server performs an information registration process corresponding to the trade receivables payment guarantee request information, thereby processing the domestic export company customer information, the foreign import company customer information, the factoring contract information, and the export/import contract information in an associative manner and storing processed information in the storage medium 130 (445). According to an embodiment of the present invention, it is preferable that the storage medium 130 is provided in a DBMS on a financial system provided on the trade receivables payment guarantee request information registering system (or connected with the trade receivables payment guarantee request information registering system). Herein, the storage medium 130 may be a ledger D/B provided in the DBMS on the financial system, or a database connected with the ledger D/B, to which the present invention is not limited. According to another embodiment of the present invention, the storage medium 130 may be provided in a DBMS on at least one or more of an Internet banking system, a telebanking system, a wireless banking system, and a TV banking system provided on (or connected with) the trade receivables payment guarantee request information registering system, to which the present invention is not limited. [111] Thereafter, the server generates and transmits a webpage including information-registration specification information to the terminal (450), thereby completing the registration of the trade receivables payment guarantee request information transmitted from the terminal.

[112] The server transmits the payment guarantee request information for purchasing the trade receivables with respect to the foreign import company customer and transmits the information to the foreign payment guarantee institution by referring to the foreign payment guarantee institution information included in the factoring contract information. It is preferable that the payment guarantee request information includes the credit inquiry target foreign import company customer information and the factoring contract information. If the payment guarantee request information is transmitted to the foreign payment guarantee institution through the SWIFT, the payment guarantee request information may further include a Bank Identifier Code (BIC) for identifying the foreign payment guarantee institution.

[113] Figs. 5 and 6 are diagrams illustrating a process for registering trade receivables payment guarantee request information in a non-face-to-face manner for trade receivables payment guarantee of a domestic export company according to an embodiment of the present invention. Specifically, Figs. 5 and 6 illustrate an embodiment in which, if the trade receivables payment guarantee request information registering system is realized through an Internet banking system among non- face-to-face channel based banking systems, when the client terminal accesses the Internet banking server through a TCP/IP based network (for example, Internet or the like) and performs a customer authentication process, and then transmits the trade receivables payment guarantee request information for trade receivables payment guarantee of the domestic export company, including the domestic export company customer information, the foreign import company customer information, the factoring contract information, and the export/import contract information, to the Internet banking server, the payment guarantee request information registering server 300 asso- ciatively processes the domestic export company customer information, the foreign import company customer information, the factoring contract information, and the export/import contract information included in the received trade receivables payment guarantee request information, and stores the processed information in the storage medium 130. Those of ordinary skill in the art will readily derive various embodiments of a method of registering the trade receivables payment guarantee request information by the client terminal into the payment guarantee request information registering server 300 by referring to or modifying Figs. 5 and 6. However, the present invention includes all the derived embodiments, and is not limited to the embodiment illustrated in Figs. 5 and 6. That is, Figs. 5 and 6 illustrate a method of connecting an Internet banking based financial transaction channel for trade receivables payment guarantee request information registration between the client terminal and the Internet banking server, when accessing the Internet banking server through a browser program (for example, Microsoft's Internet Explorer, or Netscape's Netscape Navigator) provided in the client terminal, but those of ordinary skill in the art will readily derive embodiments of a method of connecting the Internet banking based financial transaction channel for trade receivables payment guarantee request information registration between the client terminal and the Internet banking server based on the Internet banking program installed in the client terminal, by referring to or modifying the method for connecting the Internet banking based financial transaction channel using the browser program illustrated in Figs. 5 and 6. The present invention includes an Internet banking based financial transaction provided based on the Internet banking program, but is not limited thereto. In addition, those of ordinary skill in the art will readily derive embodiments of a method of connecting a non-face-to-face channel based financial transaction channel for trade receivables payment guarantee request information registration in other banking systems such as a telebanking system or a wireless banking system or a TV banking system, in addition to the Internet banking system, by referring to or modifying the method of connecting the Internet banking based financial transaction channel illustrated in Figs. 5 and 6. The present invention includes all kinds of non-face-to-face channel based financial transactions, including the telebanking system or the wireless banking system or the TV banking system or a non-face-to-face channel banking system to be proposed in the future. The technical structure of the present invention is not limited to the Internet banking illustrated in Figs. 5 and 6.

[114] Hereinafter, for simplicity's sake, the client terminal illustrated in Fig. 5 and 6 will be referred to as a terminal, and the Internet banking server corresponding to the payment guarantee request information registering server 300 will be referred to as a server.

[115] Referring to Figs. 5 and 6, the terminal executes a browser program to access the server through the TCP/IP based network (500a), the server connects a communication channel between the terminal and the server through the browser (505a). The communication terminal means allocation of a communication session that allows the server to generate (or extract) a webpage by request of a browser program provided in the terminal and transmit the webpage to the terminal, and allows the browser program provided in the terminal to receive at least one or more information (or data) input (or selected) based on a user interface included in the webpage. According to an embodiment of the present invention, when an Internet banking program is provided in the terminal, the server can allocate a communication channel for transmitting/ receiving at least one or more information (or data) to/from the Internet banking program, based on a communication protocol defined in the Internet banking program.

[116] Thereafter, the server includes an Internet banking security module in the generated (or extracted) webpage (for example, Internet banking main page) generated (or extracted), or adds a script for checking whether to update the security module and provides it to the terminal. In this way, the server checks whether the Internet banking security module is mounted on the terminal or whether to update the security module (510a). According to another embodiment of the present invention, if the Internet banking program is provided in the terminal, the server can check whether to update the Internet banking program (or security module connected to the Internet banking program) by requesting version information or final update date information to the Internet banking program.

[117] If the security module is mounted on the terminal or must be updated (515a), the server mounts or updates the security module by transmitting the latest version of the Internet banking security module to the terminal according to a remote program installation process defined in the browser program (520a).

[118] If the latest version of the Internet banking security module is mounted on the terminal or updated (525a), or if it is unnecessary to mount the Internet banking security module on the terminal or update the security module (515a), the server connects the Internet banking security channel between the terminal and the server (or changes a communication channel between the terminal and the server into a security channel) by enabling the Internet banking security module mounted on the terminal (530a). Herein, the Internet banking security channel means a communication channel that enables the terminal to check digital signature or decrypt information (or data) in decryption methods (or decryption algorithms) corresponding to encryption methods (encryption algorithms), if the server provides the information (or data) requiring security among the information (or data) included in the webpage to be provided the terminal after adding the digital signature to the information (or data) or encrypting the information in at least one or more encryption methods (or encryption algorithms). Also, the Internet banking security channel means a communication channel that enables the server to check digital signature or decrypt information (or data) in decryption methods (or decryption algorithms) corresponding to encryption methods (encryption algorithms), if the terminal provides the information (or data) to the server in order for trade receivables payment guarantee request information registration after adding the digital signature to the information (or data) or encrypting the information in at least one or more encryption methods (or encryption algorithms). According to another embodiment of the present invention, if the Internet banking program is provided in the terminal, the Internet banking based security channel means a communication channel that enables the terminal to check digital signature or decrypt in- formation (or data) in decryption methods (or decryption algorithms) corresponding to encryption methods (encryption algorithms), if the server provides the information (or data) after adding the digital signature to the information (or data) or encrypting the information in at least one or more encryption methods (or encryption algorithms). In addition, the Internet banking based security channel means a communication channel that enables the server to check digital signature or decrypt information (or data) in decryption methods (or decryption algorithms) corresponding to encryption methods (encryption algorithms), if the terminal provides the information (or data) after adding the digital signature to the information (or data) or encrypting the information in at least one or more encryption methods (or encryption algorithms). According to the present invention, the security module adds digital signature to the information (or data) or encrypts or decrypts the information (or data) by using a customer's certificate installed on the terminal.

[119] If the Internet banking security channel is connected, the server requests, through the browser program, the terminal to perform an Internet banking customer authentication process (535a). According to an embodiment of the present invention, in the Internet banking customer authentication process, if the customer inputs (or generates) Internet banking based customer authentication data (for example, ID/PW registered by the customer in an Internet banking application process, or customer number, etc.) through the terminal and transmits the Internet banking based customer authentication data to the server, the server authenticates the customer, who accesses the Internet banking through the terminal based on the customer authentication data, as an Internet banking customer. In this case, it is preferable to transmit the customer authentication data after performing digital signature or encryption thereon. According to another embodiment of the present invention, in the Internet banking customer authentication process, if the customer inputs (or generates) Internet banking based customer authentication data (for example, ID/PW registered by the customer in an Internet banking application process, or customer number, etc.) through the terminal and transmits the Internet banking based customer authentication data to the authentication server, the authentication server authenticates the customer, who accesses the Internet banking through the terminal based on the customer authentication data, as an Internet banking customer, and provides the result to the server. In this case, it is preferable that the customer authentication data includes certificate based authentication data, and the authentication server is a server that authenticates the certificate based authentication data.

[120] Thereafter, the terminal inputs (or generates) the customer authentication data according to the request, performs digital signature or encryption on the customer authentication data, and requests the Internet banking customer authentication by transmitting the customer authentication data to the server (or the authentication server) (540a) through the security module. The server (or the authentication server) authenticates the customer, who access the Internet banking through the terminal, as an Internet banking customer for non-face-to-face channel based financial transaction, based on the customer authentication data received from the terminal (545a).

[121] If the Internet banking customer authentication fails (550a), the server blocks the Internet banking security channel with respect to the terminal (555a), so that the Internet banking based financial transaction is not performed through the terminal.

[122] On the other hand, if the Internet banking customer authentication succeeds (550a), the server changes the Internet banking security channel to the Internet banking based financial transaction channel in cooperation with the security module provided in the terminal (560a). Herein, the Internet banking based financial transaction channel means a communication channel that allows the terminal to transmit trade receivables payment guarantee request information for trade receivables payment guarantee of the domestic export company to the server and register the trade receivables payment guarantee request information.

[123] Thereafter, if the terminal requests registration of the Internet banking based trade receivables payment guarantee request information to the server through the Internet banking based financial transaction channel (500b), the server generates (or extracts) a webpage corresponding to an information registering interface for registration of the trade receivable payment guarantee request information (505b), transmits the generated (or extracted) webpage through the Internet banking based financial transaction channel to the terminal, and displays the webpage (510b). According to an embodiment of the present invention, it is preferable that the information registering interface includes an interface for the terminal to input (or select) trade receivables payment guarantee request information including at least one or more of the domestic export company customer information, the foreign import company customer information, the factoring contract information, and the export/import contract information. Also, it is preferable that the information registering interface further includes an interface that inputs a password (for example, account password) or a security code (for example, security code printed on a security card issued to the customer in the Internet banking application process) or One Time Password (OTP) (for example, one-time password generated from an OTP authenticator (or OTP authentication program) that the financial institution provides to the customer in the Internet banking application process (or after the Internet banking application) in order to check the validity of the Internet banking customer requesting the trade receivables payment guarantee request information or the registration of the trade receivables payment guarantee request information. Furthermore, it is preferable that the process of transmitting and displaying the webpage is performed at least one or more times according to the trade receivables payment guarantee request information registering process, but the present invention is not limited to this embodiment.

[124] Thereafter, the terminal inputs (or selects) the trade receivables payment guarantee request information including at least one or more of the domestic export company customer information, the foreign import company customer information, the factoring contract information, and the export/import contract information through the information registering interface (515b).

[125] If the trade receivables payment guarantee request information including the domestic export company customer information, the foreign import company customer information, the factoring contract information, and the export/import contract information is input (or selected) from the terminal through the information registering interface (520b), the terminal transmits the input (or selected) trade receivables payment guarantee request information through the financial transaction channel to the server (525b). According to an embodiment of the present invention, transmitting the input (or selected) trade receivables payment guarantee request information through the financial transaction channel to the server includes: performing digital signature or encryption on the trade receivables payment guarantee request information input (or selected) through the information registering interface by means of the security module provided in the terminal; and transmitting the trade receivables payment guarantee request information to the server.

[126] Thereafter, the server reads the trade receivables payment guarantee request information received through the financial transaction channel and checks the validity of the trade receivable payment guarantee request information (530b). According to an embodiment of the present invention, checking the validity of the trade receivables payment guarantee request information may further include decrypting the trade receivables payment guarantee request information when the trade receivables payment guarantee request information is digitally signed or encrypted through the security module provided in the terminal. Also, it is preferable that checking the validity of the trade receivables payment guarantee request information further includes authenticating a password or a security code or OTP included in the trade receivables payment guarantee request information. According to an embodiment of the present invention, it is preferable that checking the validity of the trade receivables payment guarantee request information includes checking whether at least one or more ledger information matching with the trade receivables payment guarantee request information is registered in a ledger D/B on a financial system connected with the trade receivables payment guarantee request information registering system. For example, checking the validity of the trade receivables payment guarantee request information may include checking whether the domestic export company customer information included in the trade receivables payment guarantee request information matches with a customer ledger stored in a ledger D/B on a financial system connected with the trade receivables payment guarantee request information registering system. Also, checking the validity of the trade receivables payment guarantee request information may include checking whether the domestic export company customer account information included in the trade receivables payment guarantee request information matches with an account ledger stored in a ledger D/B on a financial system connected with the trade receivables payment guarantee request information registering system.

[127] If the validity of the trade receivables payment guarantee request information is not authenticated (535b), the server generates a webpage containing registration error information of the trade receivables payment guarantee request information and transmits the webpage to the terminal (540b), without performing an information registration process corresponding to the trade receivables payment guarantee request information.

[128] On the other hand, if the validity of the trade receivables payment guarantee request information is authenticated (535b), the server performs an information registration process corresponding to the trade receivables payment guarantee request information, thereby processing the domestic export company customer information, the foreign import company customer information, the factoring contract information, and the export/import contract information in an associative manner and storing processed information in the storage medium 130 (545b). According to an embodiment of the present invention, it is preferable that the storage medium 130 is provided in a DBMS on a financial system provided on the trade receivables payment guarantee request information registering system (or connected with the trade receivables payment guarantee request information registering system). Herein, the storage medium 130 may be a ledger D/B provided in the DBMS on the financial system, or a database connected with the ledger D/B, to which the present invention is not limited. According to another embodiment of the present invention, the storage medium 130 may be provided in a DBMS on at least one or more of an Internet banking system, a telebanking system, a wireless banking system, and a TV banking system provided on (or connected with) the trade receivables payment guarantee request information registering system, to which the present invention is not limited.

[129] Thereafter, the server generates a webpage containing registration specification information of trade receivables payment guarantee request information and transmits the webpage to the terminal (550b), thereby completing the registration of the trade receivables payment guarantee request information transmitted from the terminal.

[130] The server transmits the payment guarantee request information for purchasing the trade receivables with respect to the foreign import company customer and transmits the information to the foreign payment guarantee institution by referring to the foreign payment guarantee institution information included in the factoring contract information (555b). It is preferable that the payment guarantee request information includes the credit inquiry target foreign import company customer information and the factoring contract information. If the payment guarantee request information is transmitted to the foreign payment guarantee institution through the SWIFT, the payment guarantee request information may further include a Bank Identifier Code (BIC) for identifying the foreign payment guarantee institution.

[131] Fig. 7 is a diagram illustrating a face-to-face payment guarantee processing system for a payment guarantee process based on credit inquiry of a foreign import company according to an embodiment of the present invention. Specifically, when in response to a payment guarantee request based on credit inquiry of a foreign import company customer through the trade receivables payment guarantee information registering system provided in a domestic financial institution illustrated in Fig. 1 or 3, the foreign import company customer provides foreign company customer financial information, which includes at least one or more of foreign import company customer information and financial information for the payment guarantee process, through an information registering interface to the payment guarantee processing system, the payment guarantee processing system determines whether to guarantee payment for the payment guarantee request from the trade receivables payment guarantee information registering system on the basis of the provided foreign import company customer financial information, generates the payment guarantee limit information, and transmits the generated payment guarantee limit information to the domestic financial institution. Those of ordinary skill in the art will readily derive various embodiments of the payment guarantee processing system the payment guarantee process based on the credit inquiry of the foreign import company by referring to or modifying Fig. 7. However, the present invention includes all the derived embodiments, and is not limited to the embodiment illustrated in Fig. 7.

[132] Hereinafter, at least one means or functional unit, which is used to determine whether to guarantee the payment for the payment guarantee request from the trade receivables payment guarantee information registering system on the basis of the foreign company customer financial information provided from the foreign import company customer through an information registering interface on the payment guarantee processing system of Fig. 7, to generate the payment guarantee limit information, and to transmit the generated payment guarantee limit information to the domestic financial institution, will be referred to as a payment guarantee processing server 600.

[133] Referring to Fig. 7 according to an embodiment of the present invention, the payment guarantee processing system for the payment guarantee process based on the credit inquiry of the foreign import company includes an information registering terminal including a window terminal provided in at least one financial institution branch (or business branch or head office). The information registering terminal has a communication channel connected to the payment guarantee processing server 600, which is provided on the payment guarantee processing system, through a communication network (or financial network).

[134] According to an embodiment of the present invention, when the foreign import company customer visits the foreign financial institution branch (or business branch or head office) for the payment guarantee process based on the credit inquiry of the foreign import company, writes an application form for the payment guarantee process based on the credit inquiry of the foreign import company (e.g., a document with a form for writing in at least one information field for the payment guarantee process based on the credit inquiry of the foreign import company) through a window (or a window operator) provided in the foreign financial institution branch (or business branch or head office), and presents the written application form to the window operator, it is preferable that the window operator inputs (or selects) information, which is written in the application form, through a window terminal, and the window terminal transmits the input (or selected) information through the communication network (or financial network) to the payment guarantee processing server 600 on the payment guarantee processing system. Herein, it is preferable that the window terminal includes a manger terminal that is used by a window operator and is provided in the foreign financial institution branch (or business branch or head office). Also, it is preferable that the payment guarantee processing server 600 connected to the window terminal includes a ledger server provided on a financial system. Also, it is preferable that the communication network (or financial network) connecting the window operator and the payment guarantee processing server 600 includes an own bank network that connects a communication channel between the window terminal and the payment guarantee processing server 600.

[135] In the payment guarantee processing system, the application form written by the foreign import company customer, the window terminal used by the window operator, and the communication network (or financial network) connecting the window terminal and the payment guarantee processing server 600 serve as an information registering interface that is used by the foreign import company customer to register foreign company customer financial information for the payment guarantee process based on the credit inquiry of the foreign import company.

[136] The storage medium 645, which is provided on the payment guarantee processing system, processes the foreign import company customer information and the financial information, which are included in the foreign company customer financial in- formation provided from the information registering terminal, in an associative manner and stores the processed information. The foreign company customer financial information, which includes at least one or more of the foreign import company customer information and the financial information stored in the storage medium 645, is used for the payment guarantee process based on the credit inquiry of the foreign import company.

[137] It is preferable that the foreign import company customer information includes at least one or more of personal information of the foreign import company customer making a factoring contract with a domestic export company for a goods transaction (e.g., a company name, a business registry number (foreign import company unique information corresponding to the business registry number), an Inc. registration number (foreign import company unique information corresponding to the Inc. registration number), a representative, an address, a phone number, a mobile phone number, and an e-mail address), member information of the foreign import company customer (e.g., a customer information file (CIF) number or member ID information provided in a customer ledger provided on the financial system connected with the payment guarantee processing system corresponding to the foreign import company customer because the foreign import company customer joins the foreign financial institution as an financial transaction customer), and account information corresponding to a financial account opened in the name of the foreign import company customer.

[138] It is preferable that the financial information, which is information required for the credit inquiry of the foreign import company customer for the payment guarantee process of the trade receivables of the domestic import company customer for the foreign import company customer, includes at least one or more of Foreign import company customer accounting policy, Inventories, Depreciation accounting, Information to be disclosed in financial statements, Cash flow statements, Net profit of current period, Research and development costs, Contingencies and events occurring after balance sheet date, Construction contracts, Presentation of current assets and liabilities, Reporting financial information by segment, Information reflecting the efforts of changing prices, Property, plant and equipment, Accounting leases, Revenue, Retirement benefit costs, Accounting about effects of exchange rate change, Borrowing costs, Accounting for investments, Consolidated financial statements and accounting for investments in subsidiaries, Accounting for investments in associates, Financial reporting in hyper inflationary economics, Financial statements of banks or other financial institutions, and Financial reporting of interests in joint ventures.

[139] According to an embodiment of the present invention, it is preferable that the storage medium 645 is provided in a DBMS on a financial system provided on the payment guarantee processing system (or connected with the payment guarantee processing system). Herein, the storage medium 645 may be a ledger D/B provided in the DBMS on the financial system, or a database connected with the ledger D/B, to which the present invention is not limited. According to another embodiment of the present invention, the storage medium 645 may be provided in a DBMS on at least one or more of an Internet banking system, a telebanking system, a wireless banking system, and a TV banking system provided on (or connected with) the payment guarantee processing system, to which the present invention is not limited.

[140] The payment guarantee processing server 600, which is provided on the payment guarantee processing system, is a general term for the components of the payment guarantee processing system connected through a communication network (or financial network) to the information registering terminal. The payment guarantee processing server 600 may include at least one or more servers (or devices), or may be embodied in at least one or more programs recorded in a recording medium provided in a server (or device), to which the present invention is not limited. According to an embodiment of the present invention, if the information registering terminal is a window terminal connected to a communication network (or financial network), the payment guarantee processing server 600 may be a ledger server provided on a financial system connected through a communication network (or financial network) to the window terminal, a server (or device) provided in a front-end processing (FEP) system on the financial system, or a program provided in an FEP system on the financial system, to which the present invention is not limited. According to an embodiment of the present invention, the payment guarantee processing server 600 includes an interface unit 605 for connecting and managing a communication channel with the information registering terminal through the communication network (or financial network).

[141] According to an embodiment of the present invention, if the information registering terminal is a window terminal connected to a communication network (or financial network), it is preferable that the interface unit 605 connects a communication with the window terminal based on a protocol stack defined in the communication network (or financial network), and provides a communication interface for transmission/reception of at least one or more data (or information) by using a communication protocol defined in a financial transaction-related program provided in the window terminal.

[142] Referring to Fig. 7, the payment guarantee processing server 600 includes an interface providing unit 610, an information receiving unit 615, a validity checking unit 620, an information storing unit 625, a payment guarantee processing unit 630, a limit setting unit 635, and an information transmitting unit 640. After the information registering terminal connects a communication channel with the payment guarantee processing server 600 through the interface unit 605, the interface providing unit 610 generates (or extracts) a user interface for inputting (or selecting) and transmitting foreign company customer financial information in cooperation with the interface unit 605, and provides the user interface to the information registering terminal. The information receiving unit 615 receives the foreign company customer financial information that is input (or selected) and transmitted by the information registering terminal through the user interface in cooperation with the interface unit 605. The validity checking unit 620 checks the validity of the received foreign company customer financial information. The information storing unit 625 associatively processes the foreign import company customer information and the financial information included in the foreign company customer financial information determined to be valid, and stores the processed information in the storage medium 645. The payment guarantee processing unit 630 performs the credit inquiry of the foreign company customer based on the valid foreign company customer financial information and determines whether to perform the payment guarantee process based on the credit inquiry specifications. If the payment guarantee process is performed, the limit setting unit 635 sets the payment guarantee limit based on the credit inquiry specifications of the foreign company customer. The information transmitting unit 640 transmits the payment guarantee process specifications including the payment guarantee limit to the domestic financial institution.

[143] Also, the payment guarantee processing server 600 may include an information receiving means (or receiver) (not shown) that receives payment guarantee request information based on the credit inquiry of a foreign import company customer transmitted from the trade receivables payment guarantee information registering server on the trade receivables payment guarantee information registering system provided in the domestic financial institution illustrated in Fig. 1 or 3.

[144] After the information registering terminal connects a communication channel with the payment guarantee processing server 600 through the interface unit 605, the interface providing unit 610 generates a user interface for inputting (or selecting) the foreign company customer financial information corresponding to a functional unit provided in the information registering terminal and transmitting the input (or selected) foreign company customer financial information through the communication network (or financial network) to the payment guarantee processing server 600 or extracts the user interface from a database (not shown), or provides the generated (or extracted) user interface through the communication network (or financial network) to the information registering terminal in cooperation with the interface unit 605.

[145] According to another embodiment of the present invention, if an information registering program is provided that has at least one or more user interfaces for inputting (or selecting) the foreign company customer financial information in the information registering terminal and transmitting the input (or selected) foreign company customer financial information through the communication network (or financial network) to the payment guarantee processing server 600, the interface providing unit 610 providing the user interface to the information registering terminal may be omitted, to which the present invention is not limited.

[146] Thereafter, based on the user interface, the information registering terminal inputs (or selects) the foreign company customer financial information including at least one or more of the foreign import company customer information and the financial information, and transmits the input (or selected) foreign company customer financial information through the communication network (or financial network) to the payment guarantee processing server 600.

[147] According to an embodiment of the present invention, if the information registering terminal is a window terminal connected to a communication network (or financial network), it is preferable that the interface providing unit 610 generates (or extracts) a user interface providable to a financial transaction-related program provided in the window terminal, and transmits the generated (or extracted) user interface through the interface unit 605 to the window terminal.

[148] When the information registering terminal inputs (or selects) the foreign company customer financial information including at least one or more of the foreign import company customer information and the financial information through the user interface and transmits the input (or selected) foreign company customer financial information through the communication network (or financial network) to the payment guarantee processing server 600, the information receiving unit 615 receives the transmitted foreign company customer financial information in cooperation with the interface unit 605 and provides the received foreign company customer financial information to the validity checking unit 620.

[149] The validity checking unit 620 checks whether the foreign company customer financial information received from the information registering terminal satisfies the validity for the payment guarantee process based on the credit inquiry of the foreign import company. According to an embodiment of the present invention, it is preferable that checking the validity of the foreign company customer financial information includes checking whether at least one or more ledger information matching with the foreign company customer financial information is registered in a ledger D/B on a financial system connected with the payment guarantee processing system. For example, checking the validity of the foreign company customer financial information may include checking whether the domestic export company customer information included in the foreign company customer financial information matches with a customer ledger stored in a ledger D/B on a financial system connected with the payment guarantee processing system. Also, checking the validity of the foreign company customer financial information may include checking whether the domestic export company customer account information included in the foreign company customer financial information matches with an account ledger stored in a ledger D/B on a financial system connected with the payment guarantee processing system.

[150] After the foreign company customer financial information is determined to be valid, the information storing unit 625 associatively processes the foreign import company customer information and the financial information included in the foreign company customer financial information, and stores the processed information in the storage medium 645. If the storage medium 645 is provided in the payment guarantee processing server 600 or on a network connected with the payment guarantee processing server 600, it is preferable that the information storing unit 625 associatively processes the foreign import company customer information and the financial information included in the received foreign company customer financial information, and stores the processed information in the storage medium 645. If the storage medium 645 is provided in a DBMS provided on a financial system, it is preferable that the information storing unit 625 provides the foreign import company customer information and the financial information included in the received foreign company customer financial information to an information system through an FEP system on the financial system to store the provided information in the DBMS provided on the financial system.

[151] The payment guarantee processing unit 630 performs the credit inquiry of the foreign company customer based on the valid foreign company customer financial information verified by the validity checking unit, determines whether to perform the payment guarantee process based on the credit inquiry specifications, and provides the determination results to the limit setting unit 635 and the information transmitting unit 640.

[152] If the payment guarantee process is performed according to the determination results, the limit setting unit 635 sets the payment guarantee limit based on the credit inquiry specifications of the foreign company customer, and provides the payment guarantee limit information to the information transmitting unit 640. According to an embodiment of the present invention, it is preferable that the limit setting unit 635 sets the payment guarantee limit based on the number of transaction companies, the transaction frequency, the transaction money amount of the domestic export company customer and/or the foreign company customer, as well as the credit inquiry specifications of the foreign company customer. The payment guarantee limit setting may be changed, added or deleted by those of ordinary skill in the art during the implementation process of the present invention.

[153] The information transmitting unit 640 transmits the payment guarantee process speci- fications including the payment guarantee limit to the domestic financial institution.

[154] According to an embodiment of the present invention, the payment guarantee processing server 600 may have a communication channel connected to the domestic financial institution through a communication network (or SWIFT (Society for Worldwide Interbank Financial Telecommunication)). Herein, the SWIFT is an international interbank information communication network that is operated to process message exchange and fund settlement with foreign banks, making it possible to rapidly and accurately process fund transfer order delivery between international banks, to increase the stability, to easily detect loans, deposit transactions, foreign currency fund trades with foreign banks, balance specifications, and account balances in foreign transaction banks, to rapidly perform money transfer/collection businesses such as mail remittance, telegraphic remittance, and remittance check, and to rapidly process credit opening businesses and document draft notifying businesses.

[155] Fig. 8 is a diagram illustrating a face-to-face payment guarantee processing process for a payment guarantee process based on credit inquiry of a foreign import company according to an embodiment of the present invention. Specifically, Fig. 8 illustrates an embodiment in which, when in response to a payment guarantee request based on credit inquiry of a foreign import company customer through the trade receivables payment guarantee information registering system provided in a domestic financial institution illustrated in Fig. 1 or 3, the foreign import company customer provides foreign company customer financial information, which includes at least one or more of foreign import company customer information and financial information for the payment guarantee process, through an information registering interface to the payment guarantee processing system, the payment guarantee processing system determines whether to guarantee payment for the payment guarantee request from the trade receivables payment guarantee information registering system on the basis of the provided foreign import company customer financial information, generates the payment guarantee limit information, and transmits the generated payment guarantee limit information to the domestic financial institution. Those of ordinary skill in the art will readily derive various embodiments of the payment guarantee process based on the credit inquiry of the foreign import company by referring to or modifying Fig. 8. However, the present invention includes all the derived embodiments, and is not limited to the embodiment illustrated in Fig. 8.

[156] Hereinafter, for simplicity's sake, the window terminal illustrated in Fig. 7 will be referred to as a terminal, the payment guarantee processing server 600 illustrated in Fig. 7 will be referred to as a server, and the foreign import company customer information and the financial information transmitted from the window terminal to the payment guarantee processing server 600 will be referred to as foreign company customer financial information.

[157] Referring to Fig. 8, the window terminal illustrated in Fig. 7 accesses the server through a communication network (or financial network) to connect a communication channel for registration of the foreign company customer financial information, and requests registration of the foreign company customer financial information for the payment guarantee process based on the credit inquiry of the foreign import company (700). The server generates (or extracts) an information registering interface for registration of the foreign company customer financial information (705), and transmits the generated (or extracted) information registering interface through the communication channel to the terminal (710). According to an embodiment of the present invention, it is preferable that the information registering interface includes a user interface for the terminal to input (or select) foreign company customer financial information including at least one or more of the foreign import company customer information and the financial information.

[158] Thereafter, the terminal inputs (or selects) foreign company customer financial information including at least one or more of domestic export company customer information, foreign import company customer information, factoring contract information, and export/import contract information by means of the information registering interface (715).

[159] If the terminal inputs (or selects) foreign company customer financial information including the foreign import company customer information and the financial information by means of the information registering interface (720), it transmits the input (or selected) foreign company customer financial information including the foreign import company customer information and the financial information through the communication network (or financial network) to the server (725).

[160] Thereafter, the server receives the foreign import company customer information and the financial information through the communication network (or financial network), and reads the received information to check the validity of the foreign company customer financial information (730). According to an embodiment of the present invention, it is preferable that checking the validity of the foreign company customer financial information includes checking whether at least one or more ledger information matching with the foreign company customer financial information is registered in a ledger D/B on a financial system connected with the payment guarantee processing system. For example, checking the validity of the foreign company customer financial information may include checking whether the domestic export company customer information included in the foreign company customer financial information matches with a customer ledger stored in a ledger D/B on a financial system connected with the payment guarantee processing system. Also, checking the validity of the foreign company customer financial information may include checking whether the domestic export company customer account information included in the foreign company customer financial information matches with an account ledger stored in a ledger D/B on a financial system connected with the payment guarantee processing system.

[161] If the validity of the foreign company customer financial information is not authenticated (735), the server generates and transmits information-registration error information to the terminal (740), without performing an information registration process corresponding to the foreign company customer financial information.

[162] On the other hand, if the validity of the foreign company customer financial information is authenticated (735), the server performs the credit inquiry of the foreign company customer based on the valid foreign company customer financial information, thereby determining whether to perform the payment guarantee process based on the credit inquiry specifications (745).

[163] If the payment guarantee process is possible according to the credit inquiry (750), the server sets the payment guarantee limit based on the credit inquiry specifications of the foreign company customer (755). According to an embodiment of the present invention, the server may set the payment guarantee limit based on the number of transaction companies, the transaction frequency, the transaction money amount of the domestic export company customer and/or the foreign company customer, as well as the credit inquiry specifications of the foreign company customer.

[164] Thereafter, the server associatively processes the foreign import company customer information and the financial information and stores the processed information in the storage medium 645 (760). According to an embodiment of the present invention, it is preferable that the storage medium 645 is provided in a DBMS on a financial system provided on the payment guarantee processing system (or connected with the payment guarantee processing system). Herein, the storage medium 645 may be a ledger D/B provided in the DBMS on the financial system, or a database connected with the ledger D/B, to which the present invention is not limited. According to another embodiment of the present invention, the storage medium 645 may be provided in a DBMS on at least one or more of an Internet banking system, a telebanking system, a wireless banking system, and a TV banking system provided on (or connected with) the payment guarantee processing system, to which the present invention is not limited.

[165] Thereafter, the server generates and transmits information registration specification/ payment guarantee specification information to the terminal (765), thereby notifying the information registration/payment guarantee specifications to the foreign import company customer.

[166] Also, the server transmits the payment guarantee process specification information including the payment guarantee limit to the domestic financial institution (770).

[167] Fig. 9 is a diagram illustrating a face-to-face receivables purchase processing system for a receivables (shipment document) purchasing process according to an embodiment of the present invention. Specifically, the payment guarantee processing system of Fig. 7 determines whether to perform the payment guarantee for the payment guarantee request received from the trade receivables payment guarantee information registering system of Fig. 1 through the foreign import company customer financial information including at least one or more the foreign import company customer information and the financial information provided from the foreign import company customer through an information registering interface, generates the payment guarantee limit information, and transmits the same to the domestic financial institution. Then, the receivables purchase processing system receives the payment guarantee limit information, and transmits/notifies the received payment guarantee limit information to a domestic export company customer communication means corresponding to the foreign import company customer. The domestic export company customer completes the shipment of goods to be imported by the foreign import company customer, and provides receivables (shipment document) purchase request information including at least one or more of domestic export company customer information, shipment document information, and purchase charge amount information for the receivables (shipment document) purchasing process to the receivables purchase processing system through an information registering interface. Then, based on the domestic export company customer information, the shipment document information, and the purchase charge amount information included in the receivables (shipment document) purchase request information, the receivables purchase processing system automatically deposits the purchase charge in the domestic export company customer account (e.g. CMS account) within the payment guarantee limit. Those of ordinary skill in the art will readily derive various embodiments of the receivables purchase processing system for the receivables (shipment document) purchasing process by referring to or modifying Fig. 9. However, the present invention includes all the derived embodiments, and is not limited to the embodiment illustrated in Fig. 9.

[168] Hereinafter, at least one means or functional unit, which is used to automatically deposit the receivables purchase charge corresponding to the receivables (shipment document) purchase request information provided from the domestic export company customer through an information registering interface on the receivables purchase processing system of Fig. 9 in the domestic export company customer account (e.g. CMS account) within the payment guarantee limit included in the payment guarantee limit information transmitted from the payment guarantee processing server 600 on the payment guarantee processing system of Fig. 7, will be referred to as a receivables purchase processing server 800.

[169] Referring to Fig. 9 according to an embodiment of the present invention, the receivables purchase processing system for the receivables (shipment document) purchasing process includes an information registering terminal including a window terminal provided in at least one financial institution branch (or business branch or head office). The information registering terminal has a communication channel connected to the receivables purchase processing server 800, which is provided on the receivables purchase processing system, through a financial network (or communication network).

[170] According to an embodiment of the present invention, the receivables purchase processing server 800 has a communication channel connected with the payment guarantee processing server 600 on the payment guarantee processing system of Fig. 7 through a communication network through a communication network (or SWIFT (Society for Worldwide Interbank Financial Telecommunication)), and receives the payment guarantee limit information based on the foreign import company customer financial information from the payment guarantee processing server 600 through the communication network. Herein, the SWIFT connecting the receivables purchase processing server 800 and the payment guarantee processing server 600 is an international interbank information communication network that is operated to process message exchange and fund settlement with foreign banks, making it possible to rapidly and accurately process fund transfer order delivery between international banks, to increase the stability, to easily detect loans, deposit transactions, foreign currency fund trades with foreign banks, balance specifications, and account balances in foreign transaction banks, to rapidly perform money transfer/collection businesses such as mail remittance, telegraphic remittance, and remittance check, and to rapidly process credit opening businesses and document draft notifying businesses.

[171] According to an embodiment of the present invention, the receivables purchase processing server 800 detects the payment guarantee limit included in the payment guarantee limit information received from the payment guarantee processing server 600, and transmits the detected payment guarantee limit to the domestic export company customer communication means (e.g., Electronic mail, Text message, Wired/ wireless phone, Fax, Home page, Blog, Mini home page, and Messenger).

[172] According to an embodiment of the present invention, when the domestic export company customer receives the payment guarantee limit information from the receivables purchase processing server 800, completes the shipment of the goods to be imported by the foreign import company customer, visits the financial institution branch (or business branch or head office) for the receivables (shipment document) purchasing process, writes an application form for the receivables (shipment document) purchasing process (e.g., a document with a form for writing in at least one information field for the receivables (shipment document) purchasing process) through a window (or a window operator) provided in the financial institution branch (or business branch or head office), and presents the written application form to the window operator, it is preferable that the window operator inputs (or selects) information, which is written in the application form, through a window terminal, and the window terminal transmits the input (or selected) information through the financial network (or communication network) to the receivables purchase processing server 800 on the receivables purchase processing system. Herein, it is preferable that the window terminal includes a manger terminal that is used by a window operator and is provided in the financial institution branch (or business branch or head office). Also, it is preferable that the receivables purchase processing server 800 connected to the window terminal includes a ledger server provided on a financial system. Also, it is preferable that the financial network (or communication network) connecting the window operator and the receivables purchase processing server 800 includes an own bank network that connects a communication channel between the window terminal and the receivables purchase processing server 800.

[173] In the receivables purchase processing system, the application form written by the customer, the window terminal used by the window operator, and the financial network (or communication network) connecting the window terminal and the receivables purchase processing server 800 serve as an information registering interface that is used by the customer to register receivables (shipment document) purchase request information for the receivables (shipment document) purchasing process.

[174] The storage medium 850, which is provided on the receivables purchase processing system, processes the domestic export company customer information, the shipment document information, and the purchase charge amount information, which are included in the receivables (shipment document) purchase request information provided from the information registering terminal, in an associative manner and stores the processed information. The receivables (shipment document) purchase request information, which includes at least one or more of the domestic export company customer information, the shipment document information, and the purchase charge amount information stored in the storage medium 850, is used for the receivables (shipment document) purchasing process.

[175] It is preferable that the domestic export company customer information includes at least one or more of personal information of the domestic export company customer making a factoring contract with a foreign import company for a goods transaction (e.g., a company name, a business registry number, an Inc. registration number, a representative, an address, a phone number, a mobile phone number, and an e-mail address), member information of the domestic export company customer (e.g., a customer information file (CIF) number or member ID information provided in a customer ledger provided on the financial system connected with the receivables purchase processing system corresponding to the domestic export company customer because the domestic export company customer joins the financial institution as an financial transaction customer), and account information corresponding to a financial account opened in the name of the domestic export company customer.

[176] It is preferable that the shipment document information includes document specifications written based on the shipment/consignment of the goods by the domestic import company customer, and includes a bill of exchange, a bill of lading, a shipment goods specification, a commercial invoice, and a marine insurance policy.

[177] It is preferable that purchase charge amount information is the amount of money that the domestic export company customer receives from the financial institution according to the purchase of the receivables (shipment document) within the payment guarantee limit notified from the receivables purchase processing server 800, and includes all or some of the payment guarantee limit money amount.

[178] According to an embodiment of the present invention, the storage medium 850 further stores purchase process specification information generated while the receivables purchase process is being performed through the receivables purchase processing server 800, and the payment guarantee limit information based on the foreign import company customer financial information received from the receivables purchase processing server 800. According to an embodiment of the present invention, it is preferable that the storage medium 850 is provided in a DBMS on a financial system provided on the receivables purchase processing system (or connected with the receivables purchase processing system). Herein, the storage medium 850 may be a ledger D/B provided in the DBMS on the financial system, or a database connected with the ledger D/B, to which the present invention is not limited. According to another embodiment of the present invention, the storage medium 850 may be provided in a DBMS on at least one or more of an Internet banking system, a telebanking system, a wireless banking system, and a TV banking system provided on (or connected with) the receivables purchase processing system, to which the present invention is not limited.

[179] The receivables purchase processing server 800, which is provided on the receivables purchase processing system, is a general term for the components of the receivables purchase processing system connected through a financial network (or communication network) to the information registering terminal. The receivables purchase processing server 800 may include at least one or more servers (or devices), or may be embodied in at least one or more programs recorded in a recording medium provided in a server (or device), to which the present invention is not limited. According to an embodiment of the present invention, if the information registering terminal is a window terminal connected to a financial network (or communication network), the receivables purchase processing server 800 may be a ledger server provided on a financial system connected through a financial network (or communication network) to the window terminal, a server (or device) provided in a front-end processing (FEP) system on the financial system, or a program provided in an FEP system on the financial system, to which the present invention is not limited. According to an embodiment of the present invention, the receivables purchase processing server 800 may be a server on the payment guarantee request information registering system of Fig. 1 or 3, to which the present invention is not limited.

[180] Also, although Fig. 9 illustrates that the receivables purchase processing server 800 includes all of a functional unit for receiving the payment guarantee limit information from the payment guarantee processing server 600 of Fig. 7, a functional unit for transmitting the payment guarantee limit specifications included in the received payment guarantee limit information to the domestic export company customer communication means, a functional unit for receiving the receivables (shipment document) purchase request information from the domestic export company customer, and a functional unit for depositing the purchase charge corresponding to the received receivables (shipment document) purchase request information in the domestic export company customer account, the present invention is not limited thereto. That is, each functional unit of the receivables purchase processing server 800 may be embodied using a separate server (or device).

[181] Referring to Fig. 9, the financial system is a general term for computer systems where the CMS account of the domestic export company customer is opened (or registered). Basically, the financial system is connected through a financial network (e.g., an own bank network) to at least one or more window terminals provided in the branch (or business branch or head office) of the financial institution, and provides face-to-face financial transaction services for at least one or more financial transaction customers through the window terminals. Also, the financial system is connected through a financial network (e.g., a CD shared network) to at least one or more financial terminals including a Cash Dispenser/ Automatic Teller Machine (CD/ ATM) provided in the branch (or business branch or head office) of the financial institution, or to at least one or more financial terminals provided in at least one or more other financial institutions (or other financial institution branches) associated with the financial institution, or to at least one or more financial terminals provided in public places, and provides non-face-to-face financial transaction services for at least one or more financial transaction customers through the financial terminals. Also, the financial system is associated with an Internet banking server, and provides non- face-to-face financial transaction services for at least one or more financial transaction customers through at least one or more client terminals (e.g., notebook computers or personal computers (PCs) having the wired Internet access and browsing function, and portable terminals or notebook computers having the wireless LAN/portable Internet access and browsing function) connected to a network (e.g., a wired Internet, an IEEE 802.1 Ix based wireless LAN, and an IEEE 802.16x based portable Internet) connected through the Internet banking server to a TCP/IP based backbone network. Also, the financial system is associated with a wireless banking server, and provides non- face-to-face financial transaction services for at least one or more financial transaction customers through at least one or more wireless terminals (e.g., PCS (Personal Communication system) terminals, GSM (Global System for Mobile Communications) terminals, PDA (Personal Digital Assistant) terminals, smart phones, or Telematics having a access and browsing function for the following mobile communication system) connected through the wireless banking server to a wireless network (e.g., a CDMA (Code Division Multiple Access) based mobile communication system, an IEEE 802.16x based portable Internet, and a DataTAC/Mobitex based, wireless data communication network). Also, the financial system is associated with a IC chip based wireless banking server, and provides non-face-to-face financial transaction services for at least one or more financial transaction customers through at least one or more wireless terminals (e.g., wireless terminals mounted with a financial IC chip) connected through the IC chip based wireless banking server to a wireless network (e.g., a CDMA (Code Division Multiple Access) based mobile communication system, an IEEE 802.16x based portable Internet, and a DataTAC/Mobitex based, wireless data communication network). Also, the financial system is associated with a telebanking server, and provides non-face-to-face financial transaction services for at least one or more financial transaction customers through at least one or more wired call terminals (e.g., telephones) connected through the telebanking server to a wired voice call network (e.g., a PSTN (Public Switched Telephone Network)), or through at least one or more of wireless call terminals (e.g., PCS terminals, GSM terminals, and/or smart phones) connected to a wireless voice call network (e.g., a CDMA based mobile communication network). Also, the financial system is associated with a home banking server, and provides non-face-to-face financial transaction services for at least one or more financial transaction customers through at least one or more household appliances (e.g., digital TVs and/or refrigerators connected to a home network) connected through the home banking server to the home network. Also, the financial system is associated with a TV banking server, and provides non-face-to-face financial transaction services for at least one or more financial transaction customers through at least one or more digital TVs (e.g., bi-directional digital TVs, satellite DMB terminals, and terrestrial DMB terminals) connected through the TV banking server to a return channel.

[182] Referring to Fig. 9, the financial system is a computer system provided in a financial institution to open at least one or more financial accounts (e.g., CMS accounts) to at least one or more financial transaction customers and to provide at least one or more financial transaction services based on the opened financial accounts. The financial system includes an account system, an information system, and a front-end processing (FEP) system. The account system processes window businesses such as credit, deposit, trust, and foreign exchange that are generated in at least one or more business branches (or windows). The information system processes head office businesses, business branch information provision, and customer information management. The FEP system provides interconnections between the financial system and at least one or more other financial systems (or settlement systems), accesses from at least one or more non-face-to-face financial transaction means (e.g., Internet banking, wireless banking, IC chip based wireless banking, telebanking, and TV banking) provided in at least one or more external communication networks to the financial system, and/or various financial transaction interfaces through at least one or more shared networks (e.g., CD shared networks and financial shared networks). Also, the financial system includes a DBMS (Database Management System) that includes an interface module and at least one or more databases. The interface module corresponds to a middleware platform that provides interfaces between components in the financial system. The databases store and manage information (e.g., ledger information, customer information, and management information) that is required to perform the functions of components in the financial system. Also, depending on the intentions of those of ordinary skill in the art, the types of financial institutions provided in the financial system (e.g., a commercial bank, a savings bank, and a trust bank), and the purposes and characteristics of the financial system, the financial system may further include at least one or more of a foreign exchange system module (not shown), an investment finance system module (not shown), and an international system module (not shown), to which the present invention is not limited. Those of ordinary skill in the art will fully know the technical details of the financial system, and thus their detailed description will be omitted for conciseness.

[183] According to the present invention, the DBMS provided in the financial system includes a ledger D/B for allowing the financial system to open at least one or more financial accounts to at least one or more financial transaction customers and provide at least one or more financial transaction services based on the opened financial accounts. At least one or more ledger information (e.g., customer ledgers, deposit ledgers, and mortgage ledgers) for at least one or more financial transaction processes, which are to be provided by the financial institution to the financial transaction customers, and at least one or more additional ledger information corresponding to the ledger information (e.g., specifying or supplementing the attribute and function of each ledger) are associatively processed and stored in the ledger D/B in a relationship fashion. Those of ordinary skill in the art will fully know at least one or more ledger information provided in the ledger D/B depending on the type of each financial institution and the purposes and characteristics of the financial system and at least one or more additional ledger information corresponding to each ledger information, and also will fully know that each ledger information is associatively processed and stored in a relationship fashion or ledger information and at least one or more additional ledger information are associatively processed and stored in a relationship fashion, and thus their detailed description will be omitted for conciseness.

[184] According to an embodiment of the present invention, the receivables purchase processing server 800 includes: a limit information receiving unit 805 for receiving the payment guarantee limit information transmitted from the payment guarantee processing server 600 of Fig. 7; and a limit information notifying unit 810 for detecting the payment guarantee limit specifications included in the received payment guarantee limit information and providing/notifying the detected information to the domestic export company customer communication means corresponding to the payment guarantee limit information. According to an embodiment of the present invention, the receivables purchase processing server 800 includes an interface unit 820 for connecting/managing a communication channel with the information registering terminal through the financial network (or communication network).

[185] According to an embodiment of the present invention, if the information registering terminal is a window terminal connected to a financial network (or communication network), it is preferable that the interface unit 820 connects a communication with the window terminal based on a protocol stack defined in the financial network (or communication network), and provides a communication interface for transmission/ reception of at least one or more data (or information) by using a communication protocol defined in a financial transaction-related program provided in the window terminal.

[186] Referring to Fig. 9, the receivables purchase processing server 800 includes an interface providing unit 825, an information receiving unit 830, a validity checking unit 835, a purchase charge processing unit 840, and an information storing unit 845. After the information registering terminal connects a communication channel with the receivables purchase processing server 800 through the interface unit 820, the interface providing unit 825 generates (or extracts) a user interface for inputting (or selecting) and transmitting receivables (shipment document) purchase request information in cooperation with the interface unit 820, and provides the user interface to the information registering terminal. The information receiving unit 830 receives the receivables (shipment document) purchase request information that is input (or selected) and transmitted by the information registering terminal through the user interface in cooperation with the interface unit 820. The validity checking unit 835 checks the validity of the received receivables (shipment document) purchase request information. The purchase charge processing unit 840 detects the purchase charge amount information included in the valid receivables (shipment document) purchase request information, and deposits the detected purchase charge amount in the domestic export company customer account. The information storing unit 845 associatively processes the domestic export company customer information, the shipment document information, and the purchase charge amount information included in the receivables (shipment document) purchase request information, and stores the processed information in the storage medium 850.

[187] Also, the receivables purchase processing server 800 includes a remittance checking unit 815 for checking, in cooperation with the payment guarantee processing server 600, whether a payment has been made according to the goods import of the foreign import company customer and whether the purchase charge of the foreign import company customer has been remitted from the foreign payment guarantee institution.

[188] After the information registering terminal connects a communication channel with the receivables purchase processing server 800 through the interface unit 820, the interface providing unit 825 generates a user interface for inputting (or selecting) the receivables (shipment document) purchase request information corresponding to a functional unit provided in the information registering terminal to transmit the input (or selected) receivables (shipment document) purchase request information through the financial network (or communication network) to the receivables purchase processing server 800, or extracts the user interface from a database (not shown) and provides the generated (or extracted) user interface through the financial network (or communication network) to the information registering terminal in cooperation with the interface unit 820.

[189] According to another embodiment of the present invention, if an information registering program is provided that has at least one or more user interfaces for inputting (or selecting) the receivables (shipment document) purchase request information in the information registering terminal and transmitting the input (or selected) receivables (shipment document) purchase request information through the financial network (or communication network) to the receivables purchase processing server 800, the interface providing unit 825 providing the user interface to the in- formation registering terminal may be omitted, to which the present invention is not limited.

[190] Thereafter, based on the user interface, the information registering terminal inputs (or selects) the receivables (shipment document) purchase request information including at least one or more of the domestic export company customer information, the shipment document information, and the purchase charge amount information, and transmits the input (or selected) receivables (shipment document) purchase request information through the financial network (or communication network) to the receivables purchase processing server 800.

[191] According to an embodiment of the present invention, if the information registering terminal is a window terminal connected to a financial network (or communication network), it is preferable that the interface providing unit 825 generates (or extracts) a user interface providable to a financial transaction-related program provided in the window terminal, and transmits the generated (or extracted) user interface through the interface unit 820 to the window terminal.

[192] When the information registering terminal inputs (or selects) the receivables

(shipment document) purchase request information including at least one or more of the domestic export company customer information, the shipment document information, and the purchase charge amount information through the user interface and transmits the input (or selected) receivables (shipment document) purchase request information through the financial network (or communication network), the information receiving unit 830 receives the transmitted receivables (shipment document) purchase request information in cooperation with the interface unit 820 and provides the received receivables (shipment document) purchase request information to the validity checking unit 835.

[193] The validity checking unit 835 checks whether the receivables (shipment document) purchase request information received from the information registering terminal satisfies the validity for the receivables (shipment document) purchase process. According to an embodiment of the present invention, it is preferable that checking the validity of the receivables (shipment document) purchase request information includes checking whether at least one or more ledger information matching with the receivables (shipment document) purchase request information is registered in a ledger D/B on a financial system connected with the receivables purchase processing system. For example, checking the validity of the receivables (shipment document) purchase request information may include checking whether the domestic export company customer information included in the receivables (shipment document) purchase request information matches with a customer ledger stored in a ledger D/B on a financial system connected with the receivables purchase processing system. Also, checking the validity of the receivables (shipment document) purchase request information may include checking whether the domestic export company customer account information included in the receivables (shipment document) purchase request information matches with an account ledger stored in a ledger D/B on a financial system connected with the receivables purchase processing system. Also, checking the validity of the receivables (shipment document) purchase request information may include checking whether the purchase charge amount information included in the receivables (shipment document) purchase request information matches with the payment guarantee limit money amount information stored in the storage medium 850. Also, checking the validity of the receivables (shipment document) purchase request information may include checking whether the shipment document information included in the receivables (shipment document) purchase request information matches with in association with the corresponding shipment document issue institution.

[194] If the validity of the receivables (shipment document) purchase request information is checked through the validity checking unit 835, the purchase charge processing unit 840 detects the domestic export company customer account information (e.g., CMS account information), automatically deposits the purchase charge amount in the detected domestic export company customer account, and provides the receivables (shipment document) purchase charge process specification information to the information storing unit 845.

[195] The information storing unit 845 associatively processes the domestic export company customer information, the shipment document information, and the purchase charge amount information included in the receivables (shipment document) purchase request information, and stores the processed information in the storage medium 850.

[196] Fig. 10 is a diagram illustrating a process for registering receivables (shipment document) purchase request information in a face-to-face manner according to an embodiment of the present invention. Specifically, the payment guarantee processing system of Fig. 7 determines whether to perform the payment guarantee for the payment guarantee request received from the trade receivables payment guarantee information registering system of Fig. 1 through the foreign import company customer financial information including at least one or more the foreign import company customer information and the financial information provided from the foreign import company customer through an information registering interface, generates the payment guarantee limit information, and transmits the same to the domestic financial institution. Then, the receivables purchase processing system receives the payment guarantee limit information, and transmits/notifies the received payment guarantee limit information to a domestic export company customer communication means corresponding to the foreign import company customer. The domestic export company customer completes the shipment of goods to be imported by the foreign import company customer, and provides receivables (shipment document) purchase request information including at least one or more of domestic export company customer information, shipment document information, and purchase charge amount information for the receivables (shipment document) purchasing process to the receivables purchase processing system through an information registering interface. Then, based on the domestic export company customer information, the shipment document information, and the purchase charge amount information included in the receivables (shipment document) purchase request information, the receivables purchase processing system automatically deposits the purchase charge in the domestic export company customer account (e.g. CMS account) within the payment guarantee limit. Those of ordinary skill in the art will readily derive various embodiments of the receivables purchase processing system for the receivables (shipment document) purchasing process by referring to or modifying Fig. 9. However, the present invention includes all the derived embodiments, and is not limited to the embodiment illustrated in Fig. 9.

[197] Hereinafter, for simplicity's sake, the window terminal illustrated in Fig. 9 will be referred to as a terminal, the receivables purchase processing server 800 illustrated in Fig. 9 will be referred to as a server, and the domestic export company customer information, the shipment document information, and the purchase charge amount information transmitted from the window terminal to the receivables purchase processing server 800 will be referred to as receivables (shipment document) purchase request information.

[198] Referring to Fig. 10, upon receiving the payment guarantee limit information from the receivables purchase processing server 600 of Fig. 7 (900), the server detects the payment guarantee limit specification included in the received payment guarantee limit information, and provides/notifies the detected payment guarantee limit specification to the domestic export company customer communication means corresponding to the payment guarantee limit information (905). According to an embodiment of the present invention, the server may transmit the detected payment guarantee limit specification to the domestic export company customer communication means (e.g., Electronic mail, Text message, Wired/wireless phone, Fax, Home page, Blog, Mini home page, and Messenger).

[199] Thereafter, the window terminal illustrated in Fig. 9 accesses the server through a financial network (or communication network) to connect a communication channel for registration of the receivables (shipment document) purchase request information, and requests registration of the receivables (shipment document) purchase request information for the receivables (shipment document) purchasing process (910). The server generates (or extracts) an information registering interface for registration of the receivables (shipment document) purchase request information (915), and transmits the generated (or extracted) information registering interface through the communication channel to the terminal (920). According to an embodiment of the present invention, it is preferable that the information registering interface includes a user interface for the terminal to input (or select) receivables (shipment document) purchase request information including at least one or more of the domestic export company customer information, the shipment document information, and the purchase charge amount information.

[200] Thereafter, the terminal inputs (or selects) receivables (shipment document) purchase request information including at least one or more of domestic export company customer information, shipment document information, purchase charge amount information by means of the information registering interface (925).

[201] If the terminal inputs (or selects) receivables (shipment document) purchase request information including the domestic export company customer information, the shipment document information, and the purchase charge amount information by means of the information registering interface (930), it transmits the input (or selected) receivables (shipment document) purchase request information including the domestic export company customer information, the shipment document information, and the purchase charge amount information through the financial network (or communication network) to the server (935).

[202] Thereafter, the server receives the domestic export company customer information, the shipment document information, and the purchase charge amount information through the financial network (or communication network), and reads the received information to check the validity of the receivables (shipment document) purchase request information (940). According to an embodiment of the present invention, it is preferable that checking the validity of the receivables (shipment document) purchase request information includes checking whether at least one or more ledger information matching with the receivables (shipment document) purchase request information is registered in a ledger D/B on a financial system connected with the receivables (shipment document) purchase request information registering system. For example, checking the validity of the receivables (shipment document) purchase request information may include checking whether the domestic export company customer information included in the receivables (shipment document) purchase request information matches with a customer ledger stored in a ledger D/B on a financial system connected with the receivables purchase processing system. Also, checking the validity of the receivables (shipment document) purchase request information may include checking whether the domestic export company customer account information included in the receivables (shipment document) purchase request information matches with an account ledger stored in a ledger D/B on a financial system connected with the receivables purchase processing system. Also, checking the validity of the receivables (shipment document) purchase request information may include checking whether the purchase charge amount information included in the receivables (shipment document) purchase request information matches with the payment guarantee limit money amount information stored in the storage medium 850. Also, checking the validity of the receivables (shipment document) purchase request information may include checking whether the shipment document information included in the receivables (shipment document) purchase request information matches with in association with the corresponding shipment document issue institution.

[203] If the validity of the receivables (shipment document) purchase request information is not authenticated (945), the server generates and transmits information-registration error information to the terminal (950), without performing an information registration process corresponding to the receivables (shipment document) purchase request information.

[204] On the other hand, if the validity of the receivables (shipment document) purchase request information is authenticated (945), the server detects the domestic export company customer account information (e.g., CMS account information) and automatically deposits the purchase charge amount in the detected domestic export company customer account (955).

[205] Also, the server processes the domestic export company customer information, the shipment document information, and the purchase charge amount information in an associative manner and stores the processed information in the storage medium 850 (960). According to an embodiment of the present invention, it is preferable that the storage medium 850 is provided in a DBMS on a financial system provided on the receivables purchase processing system (or connected with the receivables purchase processing system). Herein, the storage medium 850 may be a ledger D/B provided in the DBMS on the financial system, or a database connected with the ledger D/B, to which the present invention is not limited. According to another embodiment of the present invention, the storage medium 850 may be provided in a DBMS on at least one or more of an Internet banking system, a telebanking system, a wireless banking system, and a TV banking system provided on (or connected with) the receivables purchase processing system, to which the present invention is not limited.

[206] Also, the server generates and transmits information-registration specification information to the terminal (960), thereby completing the purchase charge processing process corresponding to the receivables (shipment document) purchase request information transmitted from the terminal (965). [207] Thereafter, in association with the payment guarantee processing server 600 of Fig. 7, the server periodically checks whether a payment has been made according to the goods import of the foreign import company customer and whether the payment money of the foreign import company customer has been remitted from the foreign payment guarantee institution (970).

[208] Fig. 11 is a diagram illustrating a non-face-to-face receivables purchase processing system for processing receivables (shipment document) purchase according to another embodiment of the present invention. Specifically, Fig. 11 illustrates an embodiment in which, when the system determines the payment guarantee with respect to the payment guarantee request made from the trade receivables payment guarantee information registering system of Fig. 1 through the foreign import company customer financial information including at least one or more of the foreign import company customer information and the financial information provided by the foreign import company customer through the information registering interface through the payment guarantee processing system of Fig. 7, generates the payment guarantee limit information and transmits it to the domestic financial institution, it receives the payment guarantee limit information and transmits and notifies the received payment guarantee limit information through the communication means of the domestic export company customer corresponding to the foreign import company customer. After the domestic export company customer completes the shipment of the products which the foreign import company customer intends to import, it provides the receivables (shipment document) purchase request information including at least one or more of the domestic export company customer information, the shipment document information, and the purchase charge information to the receivables purchase processing system through the information registering interface. The receivables purchase processing system automatically deposits the purchase charge to the domestic import company customer account (e.g., CMS account) within the payment guarantee limit, based on the domestic export company customer information, the shipment document information, and the purchase charge information included in the provided receivables (shipment document) purchase request information. Those of ordinary skill in the art will readily derive various embodiments of the receivables purchase processing system for processing the receivables (shipment document) purchase by referring to or modifying Fig. 11. However, the present invention includes all the derived embodiments, and is not limited to the embodiment illustrated in Fig. 11.

[209] Hereinafter, at least one means or functional unit, which is used to automatically depositing the receivables purchase charge corresponding to the receivables (shipment document) purchase request information, which is provided from the domestic export company customer through the information registering interface on the receivables purchase processing system of Fig. 11, in the domestic export company customer account (e.g., CMS account) within the payment guarantee limit included in the payment guarantee limit information transmitted from the payment guarantee processing server 600 on the payment guarantee processing system 600 of Fig. 7, will be referred to as a payment guarantee request information registering server 300.

[210] Referring to Fig. 11 according to an embodiment of the present invention, the r eceivables purchase processing system for processing the receivables (shipment document) purchase includes an information registering terminal including at least one or more client terminals having at least one wired terminal or a wireless terminal that the domestic export company customer uses. The information registering terminal has a communication channel connected to the receivables purchase processing server 1000, which is provided on the receivables purchase processing system, through a network means.

[211] According to an embodiment of the present invention, if the receivables purchase processing server 1000 has a communication channel connected to the payment guarantee processing server 600 on the payment guarantee processing system of Fig. 7 through a communication network (e.g., SWIFT), and receives payment guarantee limit information based on financial information of the foreign import company customer from the payment guarantee processing server 600 through the communication network. Herein, the SWIFT (Society for Worldwide Interbank Financial Telecommunication) connecting the receivables purchase processing server 1000 to the payment guarantee processing server 600 is an international interbank information communication network that is operated to process message exchange and fund settlement with foreign banks, making it possible to rapidly and accurately process fund transfer order delivery between international banks, to increase the stability, to easily detect loans, deposit transactions, foreign currency fund trades with foreign banks, balance specifications, and account balances in foreign transaction banks, to rapidly perform money transfer/collection businesses such as mail remittance, telegraphic remittance, and remittance check, and to rapidly process credit opening businesses and document draft notifying businesses.

[212] According to an embodiment of the present invention, the receivables purchase processing server 1000 checks the payment guarantee limit included in the payment guarantee limit information received from the payment guarantee processing server 600, and transmits the checked payment guarantee limit through the communication means of the domestic export company customer (e.g., Electronic mail, Text message, Wired/wireless telephone, Fax, Home page, Bulletin board, Blog, mini home page, and Messenger.

[213] According to an embodiment of the present invention, it is preferable that, if the domestic export company customer is connected to the receivables purchase processing server 1000 through at least one or more client terminals of wired terminals connected to a wired communication network or wireless terminals connected to a wireless communication terminal, and inputs (or selects) the receivables (shipment document) purchase request information for processing the receivables (shipment document) purchase through one or more user interfaces provided by the receivables purchase processing server 1000, the client terminal transmits the receivables (shipment document) purchase request information through the network means to the receivables purchase processing server 1000, which is provided on the receivables purchase processing system.

[214] Herein, the wired terminal connected to the wired communication network is a general term for all terminals connected to a Transmission Control Protocol/Internet Protocol (TCP/IP) based communication network, and it is preferable that the wired terminal includes at least one or more of a desktop computer or a notebook connected to the TCP/IP based communication network, or a household terminal (i.e., a set- top-box, etc.) connected to the TCP/IP based communication network, or a KIOSK connected to the TCP/IP based communication network.

[215] In addition, the wireless terminal connected to the wireless communication network is a general term for all terminals connected to a Code Division Multiple Access (CDMA) based mobile communication network, or all terminals connected to IEEE 802.16x based portable Internet, or all terminals connected to a wireless data communication network using a DataTAC scheme of Motorola or a Mobitex scheme of Erricson, and it is preferable that the wireless terminal includes at least one or more of a Personal Communication System (PCS) or Global System for Mobile communications (GSM) or Personal Digital Cellular (PDC) or Personal Handyphone System (PHS) terminal or Personal Digital Assistant (PDA) or Smart Phone or Telematics connected to the CDMA based mobile communication network, or a portable Internet terminal connected to the IEEE 802.16x based portable Internet, or a wireless data communication terminal connected to the DataTAC/Mobitex based wireless communication network.

[216] Furthermore, it is preferable that the receivables purchase processing server 1000 connected to the client terminal is any one of an Internet banking server or a wireless banking server or a telebanking server or a TV banking server according to characteristic of the client terminal and the network means, or includes a separate web server for the information registration.

[217] Furthermore, it is preferable that the network means connecting the client terminal to the receivables purchase processing server 1000 is any one of a CDMA based mobile communication network or an IEEE 802.16x based portable internet or a DataTAX/ Mobitex based wireless data communication network according to kinds of the wireless communication network to which the client terminal is connected, or includes all kinds of wireless communication networks, which will be proposed in the future, including a wireless interval.

[218] Moreover, it is preferable that the client terminal includes a function configuration (for example, a browser program and communication function, or a communication program and communication function communicating with the receivables purchase processing server 1000) for outputting at least one or more user interfaces provided from the receivables purchase processing server 1000, inputting or selecting at least one or more information through the user interfaces, and transmitting the information to the receivables purchase processing server 1000. Those of ordinary skill in the art will readily derive the characteristics of the client terminal corresponding to at least one or more wired terminals or wireless terminals, and thus detailed description thereof will be omitted for convenience.

[219] In the receivables purchase processing system, the client terminal including at least one or more wired terminals or wireless terminals, which the domestic export company customer uses, and at least one or more wired communication networks or wireless communication networks connecting the client terminal to the receivables purchase processing server 1000 perform a function of the information registering interface for registering the receivables (shipment document) purchase request information in order for the customer to processing the receivables (shipment document) purchase.

[220] According to another embodiment of the present invention, in addition to the client terminal, the information registering terminal may further include an automatic financial machine (not shown) including an Automatic Teller Machine (ATM) or a Cash Dispenser (CD) connected to a financial network (for example, a financial common network), or may further include a call terminal (not shown) connected to a wired telephone network such as a Public Switched Telephone Network (PSTN) or a Voice over IP (VoIP) network, or may further include a call terminal (not shown) connected to a wireless telephone network such as a mobile communication network or a wireless VoIP network, or may include a terminal (or a server) (not shown) provided in at least one or more institutions affiliated with the financial institution. However, the present invention is not limited to the above-described embodiment.

[221] In the receivables purchase processing system, if the information registering terminal is an automatic financial machine (not shown), the automatic financial machine (not shown) and the financial network connecting the automatic financial machine (not shown) to the receivables purchase processing server 1000 perform a function of the information registering interface for registering the receivables (shipment document) purchase request information for processing the receivables (shipment document) purchase, or if the information registering terminal is a call terminal (not shown), the call terminal (not shown) and the wired telephone network or wireless telephone network connecting the call terminal (not shown) to the receivables purchase processing server 1000 perform a function of the information registering interface for registering the receivables (shipment document) purchase request information for the customer to process the receivables (shipment document) purchase, or if the information registering terminal is a terminal (or the server) (not shown) provided in the institution affiliated with the financial institution, the terminal (or the server) (not shown) and the network connecting the terminal (or the server) (not shown) to the receivables purchase processing server 1000 perform a function of the information registering interface for registering the receivables (shipment document) purchase request information in order for the customer to process the receivables (shipment document) purchase.

[222] The storage medium 1050, which is provided on the receivables purchase processing system, processes the domestic export company customer information, the shipment document information, and purchase charge information, which are included in the receivables (shipment document) purchase request information provided from the information registering terminal, in an associative manner, and stores the processed information. The receivables (shipment document) purchase request information, which includes at least one or more of the domestic export company customer information, the shipment document information, and purchase charge information stored in the storage medium 1050, is used for processing the receivables (shipment document) purchase.

[223] It is preferable that the domestic export company customer information includes at least one or more of personal information of the domestic export company customer making a factoring contract with the foreign import company with respect to product transaction (e.g., a company name, a business registry number, an Inc. registration number, a representative, an address, a phone number, a mobile phone number, and an e-mail address), member information of the customer (e.g., a customer information file (CIF) number or member ID information provided in a customer ledger provided on the financial system connected with the receivables discounting information registering system corresponding to the domestic export customer because the domestic export company customer joins the financial institution as an financial transaction customer), and account information corresponding to a financial account opened in the name of the domestic export company customer.

[224] It is preferable that the shipment document information includes a document specification created based on products that are shipped and consigned by the domestic export company customer, and includes a bill of exchange, a bill of lading, a shipment goods specification, a commercial invoice, and a marine insurance policy.

[225] The purchase charge information is an amount of money paid from the financial institution to the domestic export company customer within the payment guarantee limit informed from the receivables purchase processing server 1000 when the financial institution purchases the receivables (shipment document). It is preferable that the purchase charge information includes all or part of the payment guarantee limit.

[226] According to an embodiment of the present invention, the storage medium 1050 further includes purchase charge specification information generated during the process of the receivables purchase processing through the receivables purchase processing server 1000, and the payment guarantee limit information based on the financial information of the foreign import company customer, which is received from the payment guarantee processing server 600 of Fig. 7. According to an embodiment of the present invention, it is preferable that the storage medium 1050 is provided in a DBMS on a financial system provided on the receivables purchase processing system (or connected to the receivables purchase processing system). Herein, the storage medium 1050 may be a ledger D/B provided in the DBMS on the financial system, or a database connected with the ledger D/B, to which the present invention is not limited. According to another embodiment of the present invention, the storage medium 1050 may be provided in a DBMS on at least one or more of an Internet banking system, a telebanking system, a wireless banking system, and a TV banking system provided on (or connected with) the receivables purchase processing system, to which the present invention is not limited.

[227] The receivables purchase processing server 1000, which is provided on the receivables purchase processing system, is a general term for the components of the receivables purchase processing system connected through a network means to the information registering terminal. The receivables purchase processing server 1000 may include at least one or more servers (or devices), or may be embodied in at least one or more programs recorded in a recording medium provided in a server (or device), to which the present invention is not limited.

[228] According to an embodiment of the present invention, if the information registering terminal is a client terminal including a wired terminal or a wireless terminal, which is connectable to an Internet banking server on an Internet banking system, the receivable purchase processing server 1000 may be an Internet banking server provided on the Internet banking system, or a program provided on the Internet banking server, or a server (or a device) accessible to an FEP system on the financial system through the Internet banking system, a program provided on the server (or the device), or a server (or a device) provided on an FEP system on the financial system accessible through the Internet banking server (or the server (or the device)), or a program provided on the FEP system on the financial system, to which the present invention is not limited.

[229] According to another embodiment of the present invention, if the information registering terminal is a client terminal including a wireless terminal, which is connectable to a wireless banking server on a wireless banking system, the receivables purchase processing server 1000 may be a wireless banking server provided on the wireless banking system, or a program provided on the wireless banking server, or a server (or a device) accessible to an FEP system of the financial system through the wireless banking system, a program provided on the server (or the device), or a server (or a device) provided on an FEP system on the financial system accessible through the wireless banking server (or the server (or the device)), or a program provided on the FEP system on the financial system, to which the present invention is not limited.

[230] According to further embodiment of the present invention, if the information registering terminal is a call terminal (not shown) connectable to a telebanking server on a telebanking system, the receivables purchase processing server 1000 may be a telebanking server (for example, an Automatic Response Service (ARS)) provided on the telebanking system, or a program provided on the telebanking server, or a server (or a device) accessible to an FEP system of the financial system through the telebanking system, a program provided on the server (or the device), or a server (or a device) provided on an FEP system on the financial system accessible through the telebanking server (or the server (or the device)), or a program provided on the FEP system on the financial system, to which the present invention is not limited.

[231] According to further embodiment of the present invention, if the information registering terminal is a wired terminal (or a bi-directional digital TV) connectable to a TV banking server on a TV banking system, the receivables purchase processing server 1000 may be a TV banking server provided on the TV banking system, or a program provided on the TV banking server, or a server (or a device) accessible to an FEP system of the financial system through the TV banking system, a program provided on the server (or the device), or a server (or a device) provided on an FEP system on the financial system accessible through the TV banking server (or the server (or the device)), or a program provided on the FEP system on the financial system, to which the present invention is not limited.

[232] According to an embodiment of the present invention, the receivables purchase processing server 1000 may be a server provided on the payment guarantee request information registering system illustrated in Fig. 1 (or Fig. 3), to which the present invention is not limited.

[233] In Fig. 9, the receivables purchase processing server 1000 includes a function of receiving the payment guarantee limit information from the payment guarantee processing server 600 of Fig. 7, a function of transmitting the payment guarantee limit specification, which is included in the received payment guarantee limit information, through the communication means of the domestic export company customer, a function of receiving the receivables (shipment document) purchase request information from the domestic export company customer, and a function of depositing the purchase charge corresponding to the received receivables purchase request information in the account of the domestic export company customer, but the present invention is not limited to this embodiment. It is apparent that the payment guarantee processing server 1000 can be implemented with individual servers (or devices) for each function. According to an embodiment of the present invention, the receivables purchase processing server 1000 includes a limit information receiving unit 1005 for receiving the payment guarantee limit information transmitted from the payment guarantee processing server 1000 of Fig. 7, and a limit information notifying unit 1010 for checking the payment guarantee limit specification included in the received payment guarantee limit information and notifying the payment guarantee limit information through the communication means of the domestic export company customer. According to an embodiment of the present invention, the receivables purchase processing server 1000 includes an interface unit 1020 for connecting and managing the information registering terminal to the communication channel through the network means.

[234] According to an embodiment of the present invention, if the information registering terminal is a client terminal including a wired terminal connected to a wired communication network, it is preferable that the interface unit 1020 provides a communication interface for connecting the client terminal to a communication channel, based on a protocol stack defined in the wired communication network or the wireless communication network, and transmitting/receiving at least one or more information (or data) using a communication protocol defined in a communication program provided in the client terminal.

[235] For example, if a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal, the interface unit 605 provides a communication interface for connecting the client terminal to a communication channel, based on the TCP/IP protocol, and transmitting/receiving a webpage (for example, Hyper- Text Markup Language (HTML) compatible webpage) or information by using an HTTP protocol defined in the web browser.

[236] If a communication program (for example, Internet banking program) provided from the receivables purchase processing server 1000 is provided in the client terminal, the interface unit 1020 provides a communication interface for connecting the client terminal to a communication channel, based on the TCP/IP program, and receiving information (or data) by using a communication protocol defined in the communication program.

[237] According to another embodiment of the present invention, if the information registering terminal is a client terminal including a wireless terminal connected to a wireless communication network, it is preferable that the interface unit 1020 provides a communication interface for connecting the client terminal to a communication channel, based on a protocol stack defined in the wireless communication network, and transmitting/receiving at least one information (or data) by using a communication protocol defined in a communication program provided in the client terminal. For example, if a browser program corresponding to a Wireless Application Protocol (WAP) or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 305 provides a communication interface for connecting the client terminal to a communication channel, based on the CDMA protocol, and transmitting/ receiving a webpage (for example, a Wireless Markup Language (WML) compatible webpage or an HTML compatible webpage) or information by using a WAP/ME protocol defined in the browser program.

[238] If the communication program (for example, an IC chip based banking program or the like) provided from the receivables purchase processing server 1000 is provided in the client terminal, the interface unit 1020 provides a communication interface for connecting the client terminal to the communication channel, based on the CDMA protocol, and transmitting/receiving information (or data) by using a communication protocol defined in the communication program.

[239] According to further embodiment of the present invention, if the information registering terminal is an automatic financial machine connected to a financial network, it is preferable that the interface unit 1020 provides a communication interface for connecting the automatic financial machine to a communication channel, based on a protocol stack defined in the financial network, and transmitting/receiving at least one or more information (or data) by using a communication protocol defined in a financial transaction related program provided in the automatic financial machine.

[240] According to further embodiment of the present invention, if the information registering terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 1020 provides a communication interface for connecting the call terminal (not shown) to a call channel, based on a voice call protocol defined in the wired telephone network or the wireless telephone network, and transmitting/receiving information (or data) based on the voice call. For example, the interface unit 1020 provides a communication interface for transmitting/receiving Dual Tone MultiFrequency (DTMF) based information to/from the call terminal through the call channel, or provides a communication interface for transmitting/receiving a voice recognition based information. [241] According to further embodiment of the present invention, if the information registering terminal is a wired terminal (or a bi-directional digital TV) connected to a TV banking system, it is preferable that the interface unit 1020 provides a communication interface for connecting the wired terminal (or the bi-directional digital TV) to a communication channel, based on a protocol stack defined in the TV banking system, and transmitting/receiving at least one or more information (or data) by using a communication protocol defined in a communication program provided in the wired terminal (or the bi-directional digital TV).

[242] Referring to Fig. 11, the receivables purchase processing server 1000 includes an interface providing unit 1025, an information receiving unit 1030, a validity checking unit 1035, a purchase charge processing unit 1040, and an information storing unit 1045. After the information registering terminal connects a communication channel with the receivables purchase processing server 1000 through the interface unit 1020, the interface providing unit 1025 generates (or extracts) a user interface for inputting (or selecting) and transmitting receivables (shipment document) purchase request information at the information registering terminal in cooperation with the interface unit 1020, and provides the user interface to the information registering terminal. The information receiving unit 1030 receives the trade receivables (shipment document) purchase request information that is input (or selected) and transmitted by the information registering terminal through the user interface in cooperation with the interface unit 1020. The valid checking unit 1035 checks the validity of the received receivables (shipment document) purchase request information. The purchase charge processing unit 1040 checks the purchase charge information included in the receivables (shipment document) purchase request information whose validity is checked, and pays the checked purchase charge into the domestic export company customer account. The information storing unit 1045 associatively processes the domestic export company customer information, the shipment document information, the purchase charge information, and the receivables (shipment document) purchase charge processing specification information included in the receivables (shipment document) purchase request information, and stores the processed information in the storage medium 1050.

[243] The receivables purchase processing server 1000 includes a remittance checking unit 105 for checking whether the payment for the product import was made by the foreign import customer company, and whether the payment of the foreign import company customer was remitted by the foreign payment guarantee institution, in cooperation with the payment guarantee processing server 600 of Fig. 7.

[244] After the information registering terminal connects a communication channel with the receivables purchase processing server 1000 through the interface unit 1020, the interface providing unit 1025 generates a user interface for inputting (or selecting) the receivables (shipment document) purchase request information corresponding to a functional unit provided in the information registering terminal and transmitting the input (or selected) information through the network means to the receivables purchase processing server 1000 or extracts the user interface from a database (not shown), or provides the generated (or extracted) user interface through the network means to the information registering terminal in cooperation with the interface unit 1020.

[245] Thereafter, based on the user interface, the information registering terminal inputs (or selects) the receivables (shipment document) purchase request information including at least one or more of the domestic export company customer information, the shipment document information and the purchase charge information, and transmits the input (or selected) receivables (shipment document) purchase request information through the financial network to the receivables purchase processing server 1000.

[246] According to an embodiment of the present invention, if the information registering terminal is a client terminal including a wired terminal or a wireless terminal connected to a wired communication network or a wireless communication network, it is preferable that the interface providing unit 1025 generates (or extracts) a user interface, which can be provided as a browser program or a communication program provided in the client terminal, and provides the generated (or extracted) user interface through the interface unit 1020 to the client terminal.

[247] According to another embodiment of the present invention, if the information registering terminal is an automatic financial machine connected to a financial network, it is preferable that the interface providing unit 1025 generates (or extracts) a user interface, which can be provided as a financial transaction related program provided in the automatic financial machine, and provides the generated (or extracted) user interface through the interface unit 1020 to the automatic financial machine.

[248] According to further embodiment of the present invention, if the information registering terminal is a client terminal including a wireless terminal connected to a wireless communication network, it is preferable that the interface providing unit 1025 generates (or extracts) a user interface, which can be provided as a browser program or a communication program provided in the client terminal, and provides the generated (or extracted) user interface through the interface unit 1020 to the client terminal.

[249] According to further embodiment of the present invention, if the information registering terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, it is preferable that the interface providing unit 1025 generates (or extracts) a user interface, which can be provided to the call terminal (not shown), and provides the generated (or extracted) user interface (for example, an ARS based user interface) through the interface unit 1020 to the call terminal (not shown).

[250] According to further embodiment of the present invention, if the information registering terminal is a wired terminal (or a bi-directional digital TV) connected to a TV banking system, it is preferable that the interface providing unit 1025 generates (or extracts) a user interface, which can be provided to the wired terminal (or the bi- dimensional digital TV), and provides the generated (or extracted) user interface through the interface unit 1020 to the wired terminal (or the bi-directional digital TV).

[251] According to further embodiment of the present invention, if an information registering program is provided that has at least one or more user interfaces for inputting (or selecting) the receivables (shipment document) purchase request information in the information registering terminal and transmitting the input (or selected) information through the network means to the receivables purchase processing server 1000, the interface providing unit 1025 providing the user interface to the information registering terminal may be omitted, to which the present invention is not limited.

[252] When the information registering terminal inputs (or selects) the receivables

(shipment document) purchase request information including at least one or more of the domestic export company customer information, the shipment document information and the purchase charge information through the user interface and transmits the input (or selected) information through the network means, the information receiving unit 1030 receives the transmitted receivables (shipment document) purchase request information in cooperation with the interface unit 1020 and provides the received receivables (shipment document) purchase request information to the validity checking unit 1035.

[253] The validity checking unit 1035 checks whether the receivables (shipment document) purchase request information received from the information registering terminal satisfies the validity for receivables (shipment document) purchase process.

[254] According to an embodiment of the present invention, it is preferable that checking the validity of the receivables (shipment document) purchase request information includes checking whether at least one or more ledger information matching with the receivables (shipment) purchase request information is registered in a ledger D/B on a financial system connected with the receivables purchase processing system. For example, checking the validity of the receivables (shipment document) purchase request information may include checking whether the domestic export company customer information included in the receivables (shipment document) purchase request information matches with a customer ledger stored in a ledger D/B on a financial system connected with the receivables purchase processing system.

[255] Also, it is preferable that checking the validity of the receivables (shipment document) purchase request information may include checking whether the domestic export company customer account information included in the receivables (shipment document) purchase request information matches with an account ledger stored in a ledger D/B on a financial system connected with the receivables purchase processing system.

[256] Also, it is preferable that checking the validity of the receivables (shipment document) purchase request information may includes checking whether the purchase charge information included in the receivables (shipment document) purchase request information matches with the payment guarantee limit information stored in the storage medium 1050.

[257] Also, it is preferable that checking the validity of the receivables (shipment document) purchase request information may includes checking the shipment document information included in the receivables (shipment document) purchase request information is matched in cooperation with the shipment document issue institution.

[258] If the receivables (shipment document) purchase request information is determined to be valid through the validity checking unit 1035, the account information of the domestic export company customer (e.g., CMS account information) is checked, and the purchase charge is automatically paid in the checked account of the domestic export company customer. The receivables (shipment document) purchase charge processing specification information is associatively processed and stored in the storage medium 1050.

[259] According to an embodiment of the present invention, if the storage medium 1050 is provided in the receivables purchase processing server 1000 or on a network connected with the receivables purchase processing server 1000, it is preferable that the information storing unit 1045 associatively processes the domestic export company customer information, the shipment document information, the purchase charge information, and the receivables (shipment document) purchase charge processing specification information included in the received receivables (shipment document) purchase request information, and stores the processed information in the storage medium 1050. If the storage medium 1050 is provided in a DBMS provided on a financial system, it is preferable that the information storing unit 1045 provides the domestic export company customer information, the shipment document information, the purchase charge information, and the receivables (shipment document) purchase charge processing specification information included in the received receivables (shipment document) purchase request information to an information system through an FEP system on the financial system to store the provided information in the DBMS provided on the financial system. [260] Fig. 12 is a diagram illustrating a process for processing receivables (shipment document) purchase according to an embodiment of the present invention. Specifically, Fig. 12 illustrates an embodiment in which, if the receivable purchase processing server 1000 on the payment purchase processing system of Fig. 11 includes a function of a web server that is connectable to the client terminal through the network means, when the system determines the payment guarantee with respect to the payment guarantee request made from the trade receivables payment guarantee information registering system of Fig. 1 through the foreign import company customer financial information including at least one or more of the foreign import company customer information and the financial information provided by the foreign export company customer through the information registering interface through the payment guarantee processing system of Fig. 7, generates the payment guarantee limit information and transmits it to the domestic financial institution, it receives the payment guarantee limit information and transmits and notifies the received payment guarantee limit information through the communication means of the domestic export company customer corresponding to the foreign import company customer. After the domestic export company customer completes the shipment of the products which the foreign import company customer intends to import, it provides the receivables (shipment document) purchase request information including at least one or more of the domestic export company customer information, the shipment document information, and the purchase charge information to the receivables purchase processing system through the information registering interface. The receivables purchase processing system automatically deposits the purchase charge to the domestic import company customer account (e.g., CMS account) within the payment guarantee limit, based on the domestic export company customer information, the shipment document information, and the purchase charge information included in the provided receivables (shipment document) purchase request information. Those of ordinary skill in the art will readily derive various embodiments of the receivables purchase processing system for processing the receivables (shipment document) purchase by referring to or modifying Fig. 12. However, the present invention includes all the derived embodiments, and is not limited to the embodiment illustrated in Fig. 12.

[261] Hereinafter, for simplicity's sake, the client terminal illustrated in Fig. 11 will be referred to as a terminal, the receivables purchase processing serer 1000 illustrated in Fig. 11 will be referred to as a server, and the domestic export company customer information, the shipment document information, and the purchase charge information transmitted from the client terminal to the receivables purchase processing server 1000 will be referred to a trade receivables payment guarantee request information.

[262] Referring to Fig. 12, if the server receives the payment guarantee limit information transferred from the payment guarantee processing server 600 of Fig. 7 (1100), the server checks the payment guarantee limit specification included in the received payment guarantee limit information and notifies it through the communication means of the domestic export company customer (1105). According to an embodiment of the present invention, the server checks the payment guarantee limit included in the received payment guarantee limit information, and transmits the checked payment guarantee limit through the communication means of the domestic export company customer (e.g., Electronic mail, Text message, wired/wireless telephone, Fax, Home page, Bulletin board, Blog mini home page, and Messenger).

[263] Thereafter, the client terminal illustrated in Fig. 11 accesses the server through a network means (for example, a TCP/IP based wired communication network if the client terminal is a wired terminal, or a CDMA based mobile communication network or an IEEE 802.16x based portable Internet if the client terminal is a wireless terminal) to connect a communication channel for registration of the receivables (shipment document) purchase request information, and requests registration of the receivables (shipment document) purchase request information for processing the receivables (shipment document) purchase (1110). The server generates (or extracts) a webpage corresponding to an information registering interface for registration of the receivables (shipment document) purchase request information (1115), and transmits the generated (or extracted) webpage through the communication channel to the terminal (1120). According to an embodiment of the present invention, it is preferable that the information registering interface includes a user interface for the terminal to input (or select) the receivables (shipment document) purchase request information including at least one or more of the domestic export company customer information, the shipment document information, and the purchase charge information. Also, it is preferable that the process for transmitting or outputting the webpage is performed at least one time according to the process for registering the receivables (shipment document) purchase request information.

[264] Thereafter, the terminal inputs (or selects) receivables (shipment document) purchase request information including at least one or more of the domestic export company customer information, the shipment document information, and the purchase charge information through the information registering interface (1125).

[265] If the terminal inputs (or selects) receivables (shipment document) purchase request information including the domestic export company customer information, the shipment document information, and the purchase charge information through the information registering interface (1130), it transmits the input (or selected) domestic export company customer information, shipment document information, and purchase charge information to the server (1135). According to an embodiment of the present invention, transmitting the domestic export company customer information, the shipment document information, and the purchase charge information through the communication channel to the server may further include electronically signing or encrypting the receivables (shipment document) purchase request information, which is input (or selected) through information registering interface, through a security module provided in the terminal, and transmitting the information to the server.

[266] Thereafter, the server receives the domestic export company customer information, the shipment document information, and the purchase charge information through the communication channel, and reads the received information to check the validity of the receivables (shipment document) purchase request information (1140). According to an embodiment of the present invention, checking the validity of the receivables (shipment document) purchase request information may further include decrypting the receivables (shipment document) purchase request information if the receivables (shipment document) purchase request information is electronically signed or encrypted by means of the security module provided in the terminal. According to an embodiment of the present invention, it is preferable that checking the validity of the receivables (shipment document) purchase request information includes checking whether at least one or more ledger information matching with the receivables (shipment document) purchase request information is registered in a ledger D/B on a financial system connected with the receivables purchase processing system. For example, checking the validity of the receivables (shipment document) purchase request information may include checking whether the domestic export company customer information included in the receivables (shipment document) purchase request information matches with a customer ledger stored in a ledger D/B on a financial system connected with the receivables purchase processing system. Also, checking the validity of the receivables (shipment document) purchase request information may include checking whether the purchase charge information included in the receivables (shipment document) purchase request information matches with the payment guarantee limit information stored in the storage medium 1050. Also, checking the validity of the receivables (shipment document) purchase request information may include checking whether the shipment document information included in the receivables (shipment document) purchase request information is matched in cooperation with the shipment document issue institution.

[267] If the validity of the receivables (shipment document) purchase request information is not authenticated (1145), the server generates and transmits a webpage including information-registration error information to the terminal (1150), without performing an information registration process corresponding to the receivables (shipment document) purchase request information. [268] On the other hand, if the validity of the receivables (shipment document) purchase request information is authenticated (1145), the server checks the account information (e.g., CMS account information) of the domestic export company customer (1150).

[269] The server processes the domestic export company customer information, the shipment document information, the purchase charge information, and the receivables (shipment document) purchase charge processing specification information included in the receivables (shipment document) purchase request information, in an associative manner, and storing processed information in the storage medium 1050 (1160). According to an embodiment of the present invention, it is preferable that the storage medium 1050 is provided in a DBMS on a financial system provided on the receivables purchase processing system (or connected with the receivables purchase processing system). Herein, the storage medium 1050 may be a ledger D/B provided in the DBMS on the financial system, or a database connected with the ledger D/B, to which the present invention is not limited. According to another embodiment of the present invention, the storage medium 1050 may be provided in a DBMS on at least one or more of an Internet banking system, a telebanking system, a wireless banking system, and a TV banking system provided on (or connected with) the receivables purchase processing system, to which the present invention is not limited.

[270] Also, the server generates and transmits a webpage including information-registration specification information to the terminal (1165), thereby completing the registration of the receivables (shipment document) purchase request information transmitted from the terminal.

[271] Thereafter, the server periodically checks whether the payment for the product import was made by the foreign import customer company, and whether the payment of the foreign import company customer was remitted by the foreign payment guarantee institution, in cooperation with the payment guarantee processing server 600 of Fig. 7 (1170).

[272] Figs. 13 and 14 are diagrams illustrating a process for processing receivables (shipment document) purchase according to another embodiment of the present invention. Specifically, Figs. 13 and 14 illustrate an embodiment in which, if the receivables purchase processing system is realized through an Internet banking system among non-face-to-face channel based banking systems, when the foreign import customer company determines the payment guarantee with respect to the payment guarantee request made from the trade receivables payment guarantee information registering system of Fig. 1 through the foreign import company customer financial information including at least one or more of the foreign import company customer information and the financial information providing the information registering interface through the payment guarantee processing system of Fig. 7, generates the payment guarantee limit information and transmits it to the domestic financial institution, it receives the payment guarantee limit information and transmits and notifies the received payment guarantee limit information through the communication means of the domestic export company customer corresponding to the foreign import company customer. After the domestic export company customer completes the shipment of the products which the foreign import company customer intends to import, it provides the receivables (shipment document) purchase request information including at least one or more of the domestic export company customer information, the shipment document information, and the purchase charge information to the receivables purchase processing system through the information registering interface. The receivables purchase processing system automatically deposits the purchase charge to the domestic import company customer account (e.g., CMS account) within the payment guarantee limit, based on the domestic export company customer information, the shipment document information, and the purchase charge information included in the provided receivables (shipment document) purchase request information. Those of ordinary skill in the art will readily derive various embodiments of the receivables purchase processing system for processing the receivables (shipment document) purchase process by referring to or modifying Figs. 13 and 14. However, the present invention includes all the derived embodiments, and is not limited to the embodiment illustrated in Figs. 13 and 14. That is, Figs. 13 and 14 illustrate a method of connecting an Internet banking based financial transaction channel for registration of the receivables (shipment document) purchase request information between the client terminal and the Internet banking server, when accessing the Internet banking server through a browser program (for example, Microsoft's Internet Explorer, or Netscape's Netscape Navigator) provided in the client terminal, but those of ordinary skill in the art will readily derive embodiments of a method of connecting the Internet banking based financial transaction channel for registration of the receivables (shipment document) purchase request information between the client terminal and the Internet banking server based on the Internet banking program installed in the client terminal, by referring to or modifying the method for connecting the Internet banking based financial transaction channel using the browser program illustrated in Figs. 13 and 14. The present invention includes an Internet banking based financial transaction provided based on the Internet banking program, but is not limited thereto. In addition, those of ordinary skill in the art will readily derive embodiments of a method of connecting a non-face-to-face channel based financial transaction channel for registration of the receivables (shipment document) purchase request information in other banking systems such as a telebanking system or a wireless banking system or a TV banking system, in addition to the Internet banking system, by referring to or modifying the method of connecting the Internet banking based financial transaction channel illustrated in Figs. 13 and 14. The present invention includes all kinds of non-face-to-face channel based financial transactions, including the telebanking system or the wireless banking system or the TV banking system or a non-face-to-face channel banking system to be proposed in the future. The technical structure of the present invention is not limited to the Internet banking illustrated in Figs. 13 and 14.

[274] Hereinafter, for simplicity's sake, the client terminal illustrated in Figs. 13 and 14 will be referred to as a terminal, and the Internet banking server corresponding to the receivables purchase processing server 1000 will be referred to as a server.

[275] Referring to Figs. 13 and 14, when the server receives payment guarantee limit information transmitted from the payment guarantee processing process 600 of Fig. 7 (1200a), it checks the payment guarantee limit specifications included in the received payment guarantee limit information, and transmits and notifies it through the communication means of the domestic export company customer corresponding to the payment guarantee limit information (1205a). According to an embodiment of the present invention, the server can check the payment guarantee limit included in the payment guarantee limit information received from the payment guarantee processing server 600, and transmit the checked payment guarantee limit to the communication means of the domestic export company customer (e.g., Electronic mail, Text message, Wired/wireless phone, Fax, Home page, Blog, Mini home page, and Messenger).

[276] Thereafter, the terminal executes a browser program to access the server through the TCP/IP based network (1210a), the server connects a communication channel between the terminal and the server through the browser (1215a). The communication terminal means allocation of a communication session that allows the server to generate (or extract) a webpage by request of a browser program provided in the terminal and transmit the webpage to the terminal, and allows the browser program provided in the terminal to receive at least one or more information (or data) input (or selected) based on a user interface included in the webpage. According to an embodiment of the present invention, when an Internet banking program is provided in the terminal, the server can allocate a communication channel for transmitting/receiving at least one or more information (or data) to/from the Internet banking program, based on a communication protocol defined in the Internet banking program.

[277] Thereafter, the server includes an Internet banking security module in the generated (or extracted) webpage (for example, Internet banking main page) generated (or extracted), or adds a script for checking whether to update the security module and provides it to the terminal. In this way, the server checks whether the Internet banking security module is mounted on the terminal or whether to update the security module (1220a). According to another embodiment of the present invention, if the Internet banking program is provided in the terminal, the server can check whether to update the Internet banking program (or security module connected to the Internet banking program) by requesting version information or final update date information to the Internet banking program.

[278] If the security module is mounted on the terminal or must be updated (1225 a), the server mounts or updates the security module by transmitting the latest version of the Internet banking security module to the terminal according to a remote program installation process defined in the browser program (1230a).

[279] If the latest version of the Internet banking security module is mounted on the terminal or updated (1235a), or if it is unnecessary to mount the Internet banking security module on the terminal or update the security module (515a), the server connects the Internet banking security channel between the terminal and the server (or changes a communication channel between the terminal and the server into a security channel) by enabling the Internet banking security module mounted on the terminal (1240a). Herein, the Internet banking security channel means a communication channel that enables the terminal to check digital signature or decrypt information (or data) in decryption methods (or decryption algorithms) corresponding to encryption methods (encryption algorithms), if the server provides the information (or data) requiring security among the information (or data) included in the webpage to be provided the terminal after adding the digital signature to the information (or data) or encrypting the information in at least one or more encryption methods (or encryption algorithms). Also, the Internet banking security channel means a communication channel that enables the server to check digital signature or decrypt information (or data) in decryption methods (or decryption algorithms) corresponding to encryption methods (encryption algorithms), if the terminal provides the information (or data) to the server in order for registering the receivables (shipment document) purchase request information after adding the digital signature to the information (or data) or encrypting the information in at least one or more encryption methods (or encryption algorithms). According to another embodiment of the present invention, if the Internet banking program is provided in the terminal, the Internet banking based security channel means a communication channel that enables the terminal to check digital signature or decrypt information (or data) in decryption methods (or decryption algorithms) corresponding to encryption methods (encryption algorithms), if the server provides the information (or data) after adding the digital signature to the information (or data) or encrypting the information in at least one or more encryption methods (or encryption algorithms). In addition, the Internet banking based security channel means a communication channel that enables the server to check digital signature or decrypt information (or data) in decryption methods (or decryption algorithms) corresponding to encryption methods (encryption algorithms), if the terminal provides the information (or data) after adding the digital signature to the information (or data) or encrypting the information in at least one or more encryption methods (or encryption algorithms). According to the present invention, the security module adds digital signature to the information (or data) or encrypts or decrypts the information (or data) by using a customer's certificate installed on the terminal.

[280] If the Internet banking security channel is connected, the server requests, through the browser program, the terminal to perform an Internet banking customer authentication process (1245a). According to an embodiment of the present invention, in the Internet banking customer authentication process, if the customer inputs (or generates) Internet banking based customer authentication data (for example, ID/PW registered by the customer in an Internet banking application process, or customer number, etc.) through the terminal and transmits the Internet banking based customer authentication data to the server, the server authenticates the customer, who accesses the Internet banking through the terminal based on the customer authentication data, as an Internet banking customer. In this case, it is preferable to transmit the customer authentication data after performing digital signature or encryption thereon. According to another embodiment of the present invention, in the Internet banking customer authentication process, if the customer inputs (or generates) Internet banking based customer authentication data (for example, ID/PW registered by the customer in an Internet banking application process, or customer number, etc.) through the terminal and transmits the Internet banking based customer authentication data to the authentication server, the authentication server authenticates the customer, who accesses the Internet banking through the terminal based on the customer authentication data, as an Internet banking customer, and provides the result to the server. In this case, it is preferable that the customer authentication data includes certificate based authentication data, and the authentication server is a server that authenticates the certificate based authentication data.

[281] Thereafter, the terminal inputs (or generates) the customer authentication data according to the request, performs digital signature or encryption on the customer authentication data, and requests the Internet banking customer authentication by transmitting the customer authentication data to the server (or the authentication server) (1250a) through the security module. The server (or the authentication server) authenticates the customer, who access the Internet banking through the terminal, as an Internet banking customer for non-face-to-face channel based financial transaction, based on the customer authentication data received from the terminal (1255a).

[282] If the Internet banking customer authentication fails (1260a), the server blocks the Internet banking security channel with respect to the terminal (1265a), so that the Internet banking based financial transaction is not performed through the terminal.

[283] On the other hand, if the Internet banking customer authentication succeeds (1260a), the server changes the Internet banking security channel to the Internet banking based financial transaction channel in cooperation with the security module provided in the terminal (1270a). Herein, the Internet banking based financial transaction channel means a communication channel that allows the terminal to transmit receivables (shipment document) purchase request information for processing the receivables (shipment document) purchase to the server and register the receivables (shipment document) purchase request information.

[284] Thereafter, if the terminal requests registration of the Internet banking based trade receivables (shipmen document) purchase request information to the server through the Internet banking based financial transaction channel (1200b), the server generates (or extracts) a webpage corresponding to an information registering interface for registration of the receivables (shipment document) purchase request information (1205b), transmits the generated (or extracted) webpage through the Internet banking based financial transaction channel to the terminal, and displays the webpage (2310b). According to an embodiment of the present invention, it is preferable that the information registering interface includes an interface for the terminal to input (or select) the receivables (shipment document) purchase request information including at least one or more of the domestic export company customer information, the shipment document information, and the purchase charge information. Also, it is preferable that the information registering interface further includes an interface that inputs a password (for example, account password) or a security code (for example, security code printed on a security card issued to the customer in the Internet banking application process) or One Time Password (OTP) (for example, one-time password generated from an OTP authenticator (or OTP authentication program) that the financial institution provides to the customer in the Internet banking application process (or after the Internet banking application) in order to check the validity of the Internet banking customer requesting the receivables (shipment document) purchase request information or the registration of the receivables (shipment document) purchase request information. Furthermore, it is preferable that the process of transmitting and displaying the webpage is performed at least one or more times according to the receivables (shipment document) purchase request information registering process, but the present invention is not limited to this embodiment.

[285] Thereafter, the terminal inputs (or selects) the receivables (shipment document) purchase request information including at least one or more of the domestic export company customer information, the shipment document information, and the purchase charge information through the information registering interface (1215b). [286] If the receivables (shipment document) purchase request information including the domestic export company customer information, the shipment document information, and the purchase charge information is input (or selected) from the terminal through the information registering interface (1220b), the terminal transmits the input (or selected) receivables (shipment document) purchase request information through the financial transaction channel to the server (1225b). According to an embodiment of the present invention, transmitting the input (or selected) receivables (shipment document) purchase request information through the financial transaction channel to the server includes: performing digital signature or encryption on the receivables (shipment document) purchase request information input (or selected) through the information registering interface by means of the security module provided in the terminal; and transmitting the receivables (shipment document) purchase request information to the server.

[287] Thereafter, the server reads the receivables (shipment document) purchase request information received through the financial transaction channel and checks the validity of the receivables (shipment document) purchase request information (1230b). According to an embodiment of the present invention, checking the validity of the receivables (shipment document) purchase request information may further include decrypting the receivables (shipment document) purchase request information when the receivables (shipment document) purchase request information is digitally signed or encrypted through the security module provided in the terminal. Also, it is preferable that checking the validity of the receivables (shipment document) purchase request information further includes authenticating a password or a security code or OTP included in the receivables (shipment document) purchase request information. According to an embodiment of the present invention, it is preferable that checking the validity of the receivables (shipment document) purchase request information includes checking whether at least one or more ledger information matching with the receivables (shipment document) purchase request information is registered in a ledger D/B on a financial system connected with the receivable purchase processing system. For example, checking the validity of the receivables (shipment document) purchase request information may include checking whether the domestic export company customer information included in the receivables (shipment document) purchase request information matches with a customer ledger stored in a ledger D/B on a financial system connected with the receivables purchase processing system. Also, checking the validity of the receivables (shipment document) purchase request information trade receivables payment guarantee request information may include checking whether the domestic export company customer account information included in the receivables (shipment document) purchase request information matches with an account ledger stored in a ledger D/B on a financial system connected with the trade receivables payment guarantee request information registering system. Also, it is preferable that checking of the receivables (shipment document) purchase request information may include checking whether the purchase charge information included in receivables (shipment document) purchase request information matches with the payment guarantee limit information stored in the storage medium 1050. Also, it is preferable that checking the validity of the receivables (shipment document) purchase request information may include checking whether the shipment document information included in receivables (shipment document) purchase request information is matches in cooperation with the shipment document issue institution.

[288] If the validity of the receivables (shipment document) purchase request information is not authenticated (1235b), the server generates a webpage containing information- registration error information and transmits the webpage to the terminal (1240b), without performing an information registration process corresponding to the receivables (shipment document) purchase request information.

[289] On the other hand, if the validity of the receivables (shipment document) purchase request information is authenticated (1235b), the server checks the account information (e.g., CMS account information) of the domestic export company customer and automatically deposits the purchase charge in the checked domestic export company customer account (1245b).

[290] The server processes the domestic export company customer information, the shipment document information, the purchase charge information, and the receivables (shipment document) purchase charge processing specification information in an associative manner, and stores the processed information in the storage medium 1050 (1250b). According to an embodiment of the present invention, it is preferable that the storage medium 1050 is provided in a DBMS on a financial system provided on the receivables purchase processing system (or connected with the receivables purchase processing system). Herein, the storage medium 1050 may be a ledger D/B provided in the DBMS on the financial system, or a database connected with the ledger D/B, to which the present invention is not limited. According to another embodiment of the present invention, the storage medium 1050 may be provided in a DBMS on at least one or more of an Internet banking system, a telebanking system, a wireless banking system, and a TV banking system provided on (or connected with) the trade receivables payment guarantee request information registering system, to which the present invention is not limited.

[291] Thereafter, the server generates the information-registration specification information and transmits the information to the terminal (1255b), thereby completing the registration of the receivables (shipment document) purchase request information transmitted from the terminal. Thereafter, the server periodically checks whether the payment for the product import was made by the foreign import customer company, and whether the payment of the foreign import company customer was remitted by the foreign payment guarantee institution, in cooperation with the payment guarantee processing server 600 of Fig. 7 (126Ob).

Claims

[1] A method for processing trade receivables by payment guarantee, comprising the steps of: receiving, by an information receiving means, trade receivables payment guarantee request information including domestic export company customer information, foreign import company customer information, factoring contract information, and export/import contract information for the trade receivables payment guarantee provided by a domestic export company customer making a factoring contract for trade receivables with a foreign import company customer from a terminal; transmitting, by an information transmitting means, the received trade receivables payment guarantee request information to a payment guarantee processing means to request payment guarantee for the trade receivables; determining, by a payment guarantee processing means, whether to provide payment guarantee for the transmitted payment guarantee request on the basis of the foreign import company customer financial information, generating the payment guarantee limit information, and transmitting the generated payment guarantee limit information to a receivables purchase processing means; and automatically depositing, by the receivables purchase processing means, the purchase charge in the domestic export company customer account within the payment guarantee limit by reference to receivables (shipment document) purchase request information including shipment document information and purchase charge amount information provided by the domestic export company customer through a terminal.

[2] A computer-readable recording medium storing a program for performing the method of claim 1.

[3] A system for processing trade receivables by payment guarantee, comprising: an information receiving means for receiving trade receivables payment guarantee request information including domestic export company customer information, foreign import company customer information, factoring contract information, and export/import contract information for the trade receivables payment guarantee provided by a domestic export company customer making a factoring contract for trade receivables with a foreign import company customer from a terminal; an information transmitting means for transmitting the received trade receivables payment guarantee request information to a payment guarantee processing means to request payment guarantee for the trade receivables; a payment guarantee processing means for determining whether to provide payment guarantee for the transmitted payment guarantee request on the basis of the foreign import company customer financial information, generating the payment guarantee limit information, and transmitting the generated payment guarantee limit information to a receivables purchase processing means; and a receivables purchase processing means for automatically depositing the purchase charge in the domestic export company customer account (e.g., CMS account) within the payment guarantee limit by reference to receivables (shipment document) purchase request information including shipment document information and purchase charge amount information provided by the domestic export company customer through a terminal.

[4] The system of claim 3, wherein the payment guarantee processing means sets the payment guarantee limit through at least one of the foreign company customer credit inquiry specification , the domestic export company customer transaction money amount, the transaction frequency thereof, the foreign company customer transaction money amount, and the transaction frequency thereof.