WO2019017688A1 - Procédé permettant de réaliser un paiement anticipé de comptes recevables - Google Patents

Procédé permettant de réaliser un paiement anticipé de comptes recevables Download PDF

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Publication number
WO2019017688A1
WO2019017688A1 PCT/KR2018/008117 KR2018008117W WO2019017688A1 WO 2019017688 A1 WO2019017688 A1 WO 2019017688A1 KR 2018008117 W KR2018008117 W KR 2018008117W WO 2019017688 A1 WO2019017688 A1 WO 2019017688A1
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Prior art keywords
seller
prepayment
information
receivable
buyer
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PCT/KR2018/008117
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English (en)
Korean (ko)
Inventor
박상순
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주식회사 핀투비
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Priority to SG11201901304UA priority Critical patent/SG11201901304UA/en
Publication of WO2019017688A1 publication Critical patent/WO2019017688A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0613—Third-party assisted
    • G06Q30/0619—Neutral agent

Definitions

  • the present invention relates to a prepayment method of a trade receivable, and more specifically, to a method of receiving a payment on a trade receivable to be paid to a seller by the seller before the payment date of the receivable as a consideration for the sale or service of the commodity will be.
  • the selling company providing such goods or services shall, in the majority of transactions, enter into the manufacture or service of the goods prior to the delivery of the goods or services, or until such time as the due payment date Most sellers, who do not have enough funds to operate, often have financial difficulties because they can not recover their costs, and in some cases they are bankrupt or bankrupt despite good sales or sales performance.
  • the purchasing company may issue tokens of the type intended to be paid to the selling company after a predetermined period of time, but usually pay the predetermined date without issuing the type of token.
  • the selling company sells the receivables of the price for the goods or services provided to the purchasing company to a third party, or provides the receivables as collateral to receive the loan from the bank etc. It is difficult to cash out accounts receivable at an early stage.
  • the sales company receives a certificate of type from the purchasing company as a collateral and receives a loan from a bank or the like, the customer may not be able to receive the loan according to the credit of the purchasing company, There is also a high interest rate applied to loans.
  • the present invention is intended to provide a method of receiving a part or all of a payment before a payment date on which a seller repays a payment from a purchaser after delivering goods to the purchaser or providing a service.
  • the present invention is intended to provide a method of receiving advance payment based on the sales receipts held by the seller to the buyer, even when the buyer does not issue the type indicia or the electronic type receivables for the trade receivables.
  • the present invention aims to provide a method by which sellers can receive prepayment of accounts receivable through electronic information exchange without much time and effort.
  • the technical problem of the present invention as described above is achieved by the present invention relating to a method of prepayment of a trade receivable that the buyer has to pay to the seller as a consideration for the sale or service of the article.
  • the method of pre-financing a trade receivable according to the present invention comprises:
  • the intermediary computer operated by the intermediary for intermediating the prepaid of the trade receivable with respect to the advance payment of the receivable receives and stores the information of the seller from the buyer computer storing the information of the trade payable arising from the purchase of the goods or services ,
  • the mediating computer has the information of the limit of the total amount to be paid to the seller for each buyer, the information of the limit of the total amount to be paid for each seller, the information of the maximum rate that can be pre-
  • the seller accesses the intermediary computer through a seller terminal that he owns and can access to the intermediary computer, selects a receivable to which the prepayment is to be applied before the payment date of his / her own prepaid receivable receivable, and receives the prepaid receivable
  • An advance payment application step in which the prepaid application amount is determined to be less than the maximum rate that can be received, and the intermediary computer stores the information of the selected receivable and advance payment amount;
  • the intermediary computer prepares the prepaid application amount for the accounts receivable prepaid by the seller against the limit of the total amount of the prepaid amount to the seller of the receivable and the total amount prepaid to the seller,
  • the method comprising the steps of: determining a sales receivable as a prepayment receivable, storing information together with an advance payment amount, and transmitting a message exceeding a limit to the seller terminal when the amount exceeds a limit;
  • the intermediary computer transmits information requesting the fund donor prepaid for the prepaid trade receivables to deposit money in the seller account with respect to the account receivable to the fund donor computer operated by the donor computer about the prepayment of the trade receivable, An advance payment execution step of depositing the advance payment by the computer in the seller account;
  • the fund donor computer shall notify the purchaser in advance of the amount of the account receivable amount and the amount based on the predetermined discount rate
  • the limit of the total amount to be paid to the seller for each buyer is the sum of the amount of the receivables for each buyer that the money donor prepaid to the seller and accounts receivable for which the amount of the receivable from the buyer has not yet been deposited
  • the amount of the amount donated by the donor is set as a limit for the total amount
  • the limit of the total amount of advance payment to each seller is the sum of the sales receivables of the respective sellers, in which the money donor prepaid to the seller and the receivables that have not yet been deposited from the buyer to the value of the sales receivables, It is set as a limit on the total amount of the amount.
  • the information of the seller required for prepayment and the trade receivable subject to prepayment through information exchange between the computer or terminal and the intermediary computer held and used by the buyer prior to execution of the prepayment Information is stored in the intermediary computer.
  • prepayment information such as the amount of money paid by the exchange of information between the funder's computer and the intermediary computer, is input to the intermediary computer.
  • not all information is exchanged, discriminated and stored through the execution of one step, can be executed simultaneously or crosswise according to a predetermined cycle, and can be executed non-periodically according to circumstances such as the occurrence of a new seller.
  • the seller can select the receivable to be prepaid and select the advance payment amount, etc., and the execution of the prepayment can be automatically determined according to the judgment standard previously stored in the intermediary computer.
  • prepayment that is, the payment of money on accounts receivable
  • execution of prepayment is executed and notified by exchanging information between the intermediary computer and the donor computer.
  • the merchandise receivable held by the seller does not have a form of indicia or an electronic form
  • the merchandise receivable may be partially or wholly received.
  • the seller can receive advance payment on accounts receivable due to funds held by a third party such as a bank or a financial institution or a fund, Therefore, the seller's credit does not deteriorate.
  • the intermediary computer selects the seller of the prepayment according to a predetermined criterion of the buyer or the fund donor from the information of the seller received from the buyer computer and transmits a message on the selection of the seller of the prepayment to the buyer terminal or the fund donor computer,
  • the buyer or the fund donor who has confirmed the message concerning the selection of the seller of the prepayment object accesses the intermediary computer through the purchaser terminal or the fund donor computer to check the list of the seller of the prepayment object selected by the intermediary computer and determines the seller Or modify,
  • the intermediary computer may store the seller of the prepayment object determined or modified by the purchaser or the funder as the information of the seller of the prepayment target.
  • the fund donor computer deposits, in the seller account, an amount obtained by subtracting the amount based on the predetermined discount rate from the prepayment application amount,
  • the balance deposit step it is possible to deposit the amount obtained by subtracting the prepaid application amount from the value of the accounts receivable to the seller account.
  • the limit of the total amount of the advance payment to the seller for each buyer and the limit of the total amount to be paid to each seller may be determined by the fund donor according to the creditworthiness of the buyer and the creditworthiness of the seller and the type of industry.
  • a purchasing company with a large sales amount or a large amount of purchase often defer payment timing without immediately paying the transaction amount to the sales companies providing goods or services to them in most transactions.
  • the purchasing company deposits the cash that it holds without immediately paying the seller to the financial institution such as the bank, but since the interest received from the relevant bank is low at such a deposit, Earnings are very small.
  • the inventors of the present invention have found that the purchase price of the purchasing company, which is deferred payment to the sales company in accordance with its own funding situation or cash holding status, We considered how to prepay for some accounts receivable.
  • the inventors of the present invention have found that a method whereby a purchasing company can conveniently provide a sales receipt to a sales company requesting an early payment of a receivables in accordance with the circumstances of the fund without changing the existing policy on the payment of the purchase price .
  • prepayment of receivables does not involve excessive time and effort by the financial or accounting staff of the purchasing company, but also includes a computer device that the purchasing company holds for the management of the purchase of goods or services, Considering the use of data on the purchase of goods and services and the exchange of information with the purchasing company through the information and communication network, prepayment of receivables can be done in a very convenient manner.
  • the inventor of the present invention has found that, between a buyer and a seller of an article or service, a buyer must pay a seller a trade receipt, which is to be paid by the intermediary to the seller, As a method, unlike the advance payment of funds of a third party donor as described above, additional methods of pre-financing by the buyer's funds have been devised.
  • a brokerage computer is a buyer's fund that prepares a trade receivable to a seller with funds of a buyer deposited in a buyer's account.
  • the buyer's fund selected by the intermediary computer according to the buyer's selection criteria or the buyer's selection criteria as a target of the prepayment program.
  • the list is saved,
  • the intermediary computer transmits a message indicating that the buyer's funds prepayment program is to be applied to the seller terminal
  • the intermediary computer stores the selected receivable as information on the receivable selected as the target of applying the buyer's funds prepayment program
  • the intermediate computer compares the value of the sales receipt with respect to the receivables of the buyer's funds prepayment program application selected by the seller against the amount limit of the purchaser's financing prepayment program set by the purchaser connecting to the intermediary computer through the purchaser's terminal, If the amount is within the amount of the prepayment program of the buyer's funds, it is determined as the receivable for prepayment according to the buyer's repayment program and stores the information of the prepayment receivable determined. If the limit is exceeded, Transmission,
  • the intermediary computer sends information requesting the deposit of the amount obtained by subtracting the amount based on the predetermined discount rate from the value of the accounts receivable from the buyer account held by the purchaser to the merchant account for the accounts receivable for prepayment according to the buyer's funds prepayment program, To the computer of the operating bank
  • the deposit amount of the balance is not executed because the amount of reduction in the amount based on the discount rate is early repaid.
  • the buyer's funds it is also possible to arrange to pay only a part of the value of the accounts receivable according to the predetermined ratio or the ratio selected by the seller in the prepayment execution stage.
  • the balance may be remitted from the account of the seller at the expiration date of the seller's account.
  • the buyer may not be able to execute the prepayment method if there is no spare fund because the funds used for prepayment of accounts receivable are spare funds of the buyer. Therefore, based on the implementation of the prepayment method based on the fund of the fund donor And the execution of the prepayment method based on the buyer's funds is made as an option or a specially operated repayment program, the prepayment method of the present invention can be stably executed.
  • the prepayment method based on the buyer's fund may be executed separately from the fund-based advance payment method.
  • the computer of the bank transmitting the balance information of the purchaser account to the intermediary computer;
  • a prepaid application step in which the seller accesses the intermediary computer through the seller terminal and generates information of prepaid application for the accounts receivable notified to the prepayment target
  • prepayment may be executed for the accounts receivable prepaid in the prepaid application step.
  • FIG. 1 is a configuration diagram of a network in which a prepaid method for a trade receivable is performed according to an embodiment of the present invention.
  • FIG. 2 is a flow chart showing a step of setting a limit of a purchasing company in a prepaid method of a trade receivable according to an embodiment of the present invention and a step of determining a sales company as a prepayment target.
  • FIG. 3 is a flow chart showing a step of joining a sales company in a prepaid method of a trade receipt according to an embodiment of the present invention.
  • FIG. 4 is a flowchart showing a step of storing information on accounts receivable in a prepaid method of trade receivables according to an embodiment of the present invention.
  • FIG. 5 is a flow chart showing a selection step of a prepayment method in a prepaid method of a trade receivable in accordance with an embodiment of the present invention.
  • FIG. 6 is a flowchart showing a step of applying a pre-payment for a public welfare fund in a prepaid method of a trade receipt according to an embodiment of the present invention.
  • FIG. 7 is a flow chart showing a step of applying a prepayment method for purchasing company funds in a prepaid method for a trade receivable according to an embodiment of the present invention.
  • the purchaser is referred to as a purchasing company
  • the seller is referred to as a selling company.
  • the purchasing company and the selling company are not limited to corporations but include individual businesses.
  • FIG. 1 is a schematic diagram illustrating a flow of information in a computer network in which a pre-payment method for a trade receivable is implemented according to an embodiment of the present invention and a transaction according to a prepayment method of a trade receivable executed in the computer network.
  • the implementation of the prepaid method of trade receivables according to the embodiment of the present invention is centered on the intermediary computer 10 operated by the third person, not the sales company or the purchasing company.
  • the intermediary computer 10 may be one owned and operated by the intermediary, but may be composed of a server device, a database device, and a dedicated line used by the intermediary.
  • the intermediary computer 10 does not need to operate the intermediary directly, but maintenance can be performed by a separate company under the entrustment of the intermediary.
  • the purchasing company computer 20 possessed and operated by the purchasing company integrally manages the management activity processes such as production, logistics, finance, accounting, sales, purchasing, and inventory in the enterprise and manages the information (ERP) system 22, which provides information on the purchase of goods and services, and information on the purchase of goods and services, And the related information is stored.
  • ERP information
  • the purchasing company computer 20 is not limited to a single computer device but includes a terminal 21 used by persons in charge of purchasing or accounting.
  • a terminal 21 may be a computer installed inside the purchasing company but may be an information device such as a smart phone possessed by a person in charge and any type of terminal may be connected to the ERP system 22 and the intermediary computer 10 And can transmit and receive information.
  • the purchase obligation of the purchasing company is a trade receivable from the viewpoint of the sales company, and in this specification, the purchase obligation of the purchasing company is referred to as a "trade receivable" in accordance with the explanatory need for the sake of understanding.
  • the intermediary computer 10 is not limited to a single computer device, but is composed of a plurality of servers or database devices which are operated by intermediaries and are connected to each other by mutual networks to transmit and receive information.
  • the intermediary computer 10 is composed of a plurality of apparatuses constituting a computer network system, only the elements related to the explanation of the configuration and operation of the embodiment will be described below.
  • the intermediary computer 10 is connected to the ERP system 22 of the purchasing company via a network and receives information on the sales company from the ERP system 22 and information on the receivables for the sales company, And a device 11.
  • the intermediary computer 10 is provided with a web server apparatus 12, and external computer apparatuses not belonging to the intermediary computer 10, that is, The terminal 21 of the sales company and the terminal 31 used and held by the person in charge of the sales company are connected to the intermediary computer 10 and the information provided by the intermediary computer 10 through the web page provided by the intermediary computer 10 Or inputting information to the intermediary computer 10 or receiving an e-mail or a text message generated by the intermediary computer 10.
  • the external information terminals 21 and 31 may be smart phones held by the employees of the respective companies, or may be personal computers or server computers used by the respective companies.
  • the information terminals used by the representatives in the purchasing company are referred to as the 'purchaser terminal 21' for convenience of explanation, and the information terminals used by the representatives in the sales company are referred to as 'the seller terminal 31' .
  • the bank's computer related to the progress of various steps according to the present embodiment may be any one of computers , But the procedures at each step can be made at various computer devices of the bank.
  • the intermediary computer 10 is provided with a database device 13 for storing information received from the ERP system 22 of the purchasing company, the information terminals 21 and 31 of the external company and the like, and information stored in the database device 13 And a transaction server device 14 for performing various calculations, determination, and determination regarding advance payment.
  • the money donor of the funds used for prepayment of accounts receivable is a bank, but this is only an example, and a broker or a fund other than a bank may be a fund donor.
  • the bank's computer is used only by the intermediary computer and the computer of the funder, and the bank's computer is used to send and receive information to and from the intermediary computer on behalf of the bank's computer. And transfers or transfers the amount of money between the accounts.
  • the bank Prior to the implementation of prepayment according to the present embodiment, the bank sets a limit of the total amount of advance payment for each purchasing company, notifies the brokers of the set limit amount, and the broker purchases the limit amount to the intermediary computer 10 Save by company.
  • the amount of the ceiling is the sum of the sales receivables for which the purchaser has to redeem the sales receivables for which the bank has paid prepayment to the sales company with its own funds but the receivable amount has not been deposited from the purchasing company Of the total amount of money. These limits are determined by the Bank considering the creditworthiness of the purchasing company.
  • the intermediary computer periodically confirms whether a limit for the total amount to be paid to the seller is set and stored for each purchasing company (S1.1). If the limit is not set, The manager of the bank confirms the message through the computer 40, calculates the limit amount for the requested purchasing company and inputs the limit amount to the bank 40, (40) transmits information of the entered limit amount to the intermediary computer (10).
  • the intermediary computer 10 proceeds to the step of selecting and confirming the sales company which is the subject of prepayment among the sales companies that supply the goods to the purchasing company or provide the service to the purchasing company which is determined by the limit of the total amount of prepayment.
  • the intermediary computer 10 transmits a message requesting a list of the sales companies to the purchasing company's terminal 21 (S2.1).
  • the person in charge of the purchasing company receives and confirms the request message through the terminal 21 (S2.2), and transmits the list of the sales companies to the intermediary computer 10 through the ERP system 22 (S2.3) .
  • the intermediary computer 10 sets up a sales company to be prepaid in accordance with the criteria established in the agreement between the purchasing company and the intermediary or between the bank and the intermediary in accordance with the list of the sales companies received from the purchasing company computer 20 (S2. 4).
  • Such a criterion may be different for each purchasing company, and is mainly set based on the transaction performance between the selling company and the purchasing company or the creditworthiness or the business type of the selling company.
  • Such information is transmitted to the intermediary computer 10 through the ERP System 21, and can be received from the ERP system 22 of the purchasing company together with the list of the sales companies.
  • the intermediary computer 20 sets up a sales company to be prepaid (S2.4), and sends a message regarding the setting fact to the buyer terminal 21 and the bank computer 40 (S2.5).
  • the person in charge of the purchasing company can confirm the message through the purchaser terminal 21 and access the intermediary computer 20 to confirm the list and confirm or change the sales company to be prepaid (S2.7)
  • the purchasing company has the authority to determine and correct the sales company of the prepayment target, which is selected by the purchasing company in accordance with the selection criteria of the intermediary computer, It is possible to set the selection criteria and send the information of the sales company of the prepayment target selected by the intermediary computer to the computer of the fund donor so that the fund donor side can confirm or correct the sales company of the prepayment target.
  • the criterion for selection of a sales company to be prepaid may be determined by consultation between the purchaser and the fund donor, and the prospective sales company selected by the intermediary computer may be identified and modified by either the fund donor or the purchaser or both.
  • the intermediary computer 10 transmits the prepayment target sales company setting message to the bank computer 40 in step S2.5, and the brokerage computer 10 transmits the pre-paid target sales company setting message to the bank computer 40.
  • a person in charge of the bank who has confirmed the message through the bank computer 10 can access the intermediary computer 10 to confirm or modify the sales company.
  • the intermediary computer 10 confirms the sales company to be the prepaid target
  • the prepayment target sales company is confirmed and stored when the confirmation is selected, and if the change is made, the changed list is transmitted to the intermediary computer 20) (S2.8).
  • This process is not completed as a one-time procedure, but is carried out periodically in accordance with a predetermined period. It is also possible to exclude already-selected sales companies through the periodic process New sales companies can be subject to advance payment.
  • the purchasing company accesses the intermediary computer 20 through the terminal 21 of the purchasing company, And the procedure described above may be initiated in response to such a request.
  • the intermediary computer 20 first transmits an e-mail to the terminal 31 of the sales company to establish an account in the bank (S3.1).
  • the person in charge of the sales company should confirm the mail through the terminal 31 and decide whether to use the prepaid method of the trade receivable according to this embodiment (S3.3).
  • an account is opened in the bank.
  • This procedure may be performed online (S3.5, S3.6) by connecting to the bank computer 40 through the terminal 31 of the sales company A company representative can visit the bank to open an account.
  • the bank establishes a limit on the amount of prepaid money to be paid to the sales company in which the account is opened (S3.7), and stores various information about the sales company and the set amount
  • the bank computer 40 transmits the account number of the sales company and the set limit amount information to the intermediary computer 10 (S3.8).
  • the limit on the total prepaid amount for the sales company means that, in the trade receivables related to each seller, the bank executes the prepayment to the seller, and the sales receivable that has not yet been deposited from the buyer Means the limit of the total amount of the amount paid by the bank.
  • the limit of the total amount of such prepayment can be determined according to the creditworthiness of the sales company or the type of industry.
  • the prepayment of trade receivables is made by the bank or the purchasing company, the money deposited by the purchasing company is pre-paid by the application of the purchasing company having the accounts receivable before the due date of the receivable, It is possible to set a limit on the total amount of prepayment according to the creditworthiness of the purchasing company.
  • the limit of repayment amount according to the creditworthiness of the purchasing company is determined separately as described above.
  • the sales receivable is canceled due to defects of the goods supplied by the selling company to the purchasing company Etc.
  • the prepaid amount of the prepaid trade receivables may be recovered. Therefore, in this embodiment, prepayment is made for each of the sales companies, and due to the expiration of the due date, Set a limit on the amounts that have not yet been deposited with this bank.
  • the intermediary computer 10 stores the information of the sales company received from the bank computer 40 (S3.9), transmits the information of the sales company to the purchasing company (S3.10)
  • the information including the account of the sales company is stored in the server 20 (S3.11).
  • the intermediary computer 10 sends an e-mail of the subscription guidance to the seller 31's terminal 31 (S3.12), and a person in charge of the sales company receives and confirms the subscription information e-mail (S3.13) And sets up an ID and a password to write various kinds of information requested by the intermediary computer 10 and subscribe to the prepaid system operated around the intermediary computer 10 (S3.14).
  • the intermediary computer 10 stores the information inputted through the sales company terminal 31 as the information of the sales company (S3.15), and the registration of the sales company receiving the sales receipt is completed.
  • Such a step of joining a sales company is not performed only at a specific time, but can be performed at any time when addition to the sales company is performed by the purchasing company, and is periodically updated by the intermediary computer 10 (step S2) This is done when an enterprise is added.
  • a company with many purchases of goods or services generates an entry item for delivery of each article from each seller or provision of service, and is recorded in the ERP system 22, For the delivery of goods or service, prepare a bill and / or tax invoice and ask the purchasing company to pay for the delivery of goods or the provision of services.
  • the purchasing company confirms the payment obligation in accordance with the payment request at the predetermined deadline of the predetermined period such as the bill or the tax invoice issued by the sales company on the specific date of each month and confirms the payment date for the purchase obligation, Record. It may be different depending on the purchasing company, but usually the purchasing company sets a specific date of each month as the due date and the payment date.
  • the intermediary in consultation with the purchasing company, obtains the deadline and payment date for finalizing the payment date for the purchase obligation by arranging the purchasing obligation of the purchasing company in the database 13 of the intermediary computer 10 ),
  • the intermediary computer 10 As a preparation for prepaid application for the trade receivable, the intermediary computer 10, after the deadline of the purchasing company has elapsed, the purchase date of the purchasing obligation that the purchasing company has purchased from the purchase of goods or service in the ERP system 22 of the purchasing company (S4.1), the ERP system 22 receives the information request of the purchase obligation from the intermediary computer 10 (S4.2) and transmits the information of the purchase obligation (S4 .3).
  • the intermediary computer 10 checks whether the purchase obligation received from the purchasing company's ERP system 22 is duplicated through the information such as the number, amount, and expiration date of the payable obligation, and the duplicate purchase obligation is not subject to prepayment And stores it as information on accounts receivable that can be prepaid for a valid trade payable (S4.6).
  • the purchase obligation received from the ERP system 22 of the purchasing company may include only those regarding the sales company that can receive prepayment, but it may receive information on all the payables whose settlement date has been confirmed. In this case, only the trade payables related to the purchasing company subject to advance payment can be selected and stored as prepaid receivables in the information check step (S4.5) of the trade payable.
  • the intermediary computer 10 sends an advance mail of the prepayment application to the sales companies (S4.7), receives the guide mail through the seller terminal 31 (S4.8)
  • the sales company accesses the intermediary computer 10 through the seller terminal 31 (S4.9), and the subsequent selection of the prepayment method S5 is performed.
  • the funds required to pay for accounts receivable before expiration date have two sources.
  • One is the fund of the fund donor such as the bank and the other is the fund of the purchasing company.
  • Pre-payment of accounts receivable through funds of the fund donor and prepayment of accounts receivable through funds of the purchasing company may be executed as a separate method through a separate system.
  • the advance payment of accounts receivable Can all be achieved.
  • the intermediary computer 10 transmits the stored prepaid (S5.1) whether the sales receivable (sales receivable subject to prepayment) stored in the stored sales receivable exists.
  • the message indicating that the advance payment can not be applied is displayed as a pop-up notice (S5.2), and the person in charge of the sales company confirms that the application is not possible through the terminal 31 Stop the procedure (S5.3).
  • the intermediary computer 10 discriminates whether the selling company is a sales company receiving advance payment as the financing of the purchasing company (S5.4).
  • the reserve funds are deposited into the account of the purchasing company established in the bank in advance as funds for prepayment.
  • the prepayment by the fund of the purchasing company is carried out as a separate program, and is carried out by consultation between the broker and the purchasing company, and the intermediation computer 10 is provided with a pre- , A limit of the total amount of money to be used for prepayment, and a list of sales companies that can receive prepayment by the program are stored in advance in the intermediary computer 10, and prepayment is executed according to the program.
  • the prepayment by the fund of the purchasing company is different from the prepayment through the fund of the fund donor, because the advance payment is made for the entire value of the trade receivable and the discount rate is lower than the discount rate for the advance payment through the fund of the fund donor. It will be more profitable for the sales company.
  • the intermediary computer displays a message that the purchasing company fund prepayment application object is the object, (S5.5) and apply for a prepayment to which the program is applied (S5.6).
  • the intermediary computer 10 proceeds to the purchase company fund prepayment application step S7, and if not, proceeds to the bank money prepayment application step S6 do.
  • the terminal 31 of the sales company connected to the intermediary computer 10 selects the receivable to be prepaid and writes the prepaid amount in step S6.1 ).
  • the 'advance payment amount' is the amount to be paid through prepayment for accounts receivable selected by the sales company.
  • the intermediary computer 10 discriminates whether or not the prepayment application amount is within the limit (S6.2).
  • 'limit' includes three limits.
  • This limit is the limit of the total amount of prepaid for the sales company. This limit is the limit set by the bank at the subscription stage of the seller in step S2.
  • the bank that pays the advance payment on the trade receivable to the seller sets the maximum percentage of the advance payment to be paid as prepayment to the value of the trade receivable to each sales company, ).
  • the intermediary computer 10 divides the prepaid application amount of the sales enterprise into the value of the accounts receivable and judges that the prepaid application can not be approved if the calculated ratio exceeds the pre-payment maximum ratio set by the fund donor do.
  • the intermediary computer 10 If it is determined that the prepaid application can not be approved (S6.2), the intermediary computer 10 notifies the message through the pop-up notification to the sales corporation To the terminal 31 (S6.3).
  • the intermediary computer 10 causes the terminal 31 of the sales company 31 to proceed to submit the prepayment application (S6.4).
  • the intermediary computer 10 confirms that the person in charge of prepayment of the sales company has applied for the prepayment, S6.5 to S6.7).
  • the intermediary computer 10 requests the terminal 31 of the sales company to perform the identity authentication (S6.5).
  • identity authentication information is input from the terminal 31 of the old sales company (S6.6) Is compared with the information stored and transmitted in the subscription step (S3) of the sales company to determine whether or not the information matches (S6.7).
  • the bank computer 40 transmits a message requesting the sales company to pay the prepaid amount (S6.11).
  • the intermediary computer 10 When the bank computer 40 deposits the amount paid to the account of the sales company and sends the payment result to the intermediary computer 10 (S6.12), the intermediary computer 10 receives the payment result, And informs the enterprise terminals 21 and 22 of the payment result (S6.12).
  • the prepayment amount paid to the account of the sales company is the amount obtained by subtracting the amount based on the discount rate predetermined by the bank from the amount requested by the sales company.
  • the discount rate is the commission of the bank due to the advance payment by the bank on behalf of the purchasing company with the obligation to repay the trade receivables.
  • the expiration date of the bank is due and the bank transfers the amount of the receivable including the prepaid amount from the purchasing company. Of the interest.
  • the purchaser of the accounts receivable repays the amount of the accounts receivable in which prepayment has been executed to the bank, and the bank deducts the amount of the prepayment application from the value of the accounts receivable, To the account of the sales company.
  • the sales company pays the amount to the sales company as the advance payment amount by subtracting the amount based on the discount rate of the bank from the amount of the prepaid application, but otherwise, the bank pays the advance payment amount, It may be possible to provide the sales company with the amount of the discount rate in the balance payment step.
  • the intermediary computer 10 transmits the authentication information received from the terminal 31 of the purchasing company to the computer 40 of the bank
  • the computer 40 of the bank may add an authentication procedure for determining whether or not the authentication information matches.
  • the terminal 31 of the sales company connected to the intermediary computer 10 selects the receivable to be prepaid (S7.1).
  • the intermediary computer 10 determines whether the amount to be prepaid exceeds the limit.
  • prepayment through purchasing company funds is an amount obtained by subtracting the amount based on the discount rate predetermined by the purchasing company from the value of the accounts receivable.
  • the purchase price is paid to the purchasing company in the entire amount of the discounted discount according to the discount rate. Therefore, even if the due date of the trade receivable arrives, there will be no additional payment to the purchasing company.
  • the purchasing company deposits the surplus funds in the designated account, and the deposited amount is also transmitted to the intermediary computer 10 and stored.
  • the intermediary computer 10 confirms the balance of the deposit through the bank computer 40, If the remaining amount of the deposit does not reach the limit of the total amount in contrast to the limit of the total amount to be paid to the sales companies in the 'prepayment through purchase enterprise fund' set by the purchaser company, Quot;
  • the deposit amount of the purchasing company of the bank is deposited with the amount corresponding to the limit of the total amount.
  • the intermediary computer 10 accumulates the amount of the trade receivable selected by the sales company excluding the amount based on the discount rate, that is, the amount to be paid to the sales company through prepayment, in the order of application of prepayment, , It is determined that the limit is exceeded and a message indicating that the prepayment application can not be approved is transmitted to the terminal 31 of the sales company in the form of a pop-up notice.
  • the application for prepayment is approved and proceed to submission of prepayment application (S7.4) and authentication step (S7.5 to S7.7).

Abstract

La présente invention se rapporte à un procédé permettant de réaliser un paiement anticipé de comptes recevables qui doivent être payés par un acheteur à un vendeur en échange de biens vendus ou de services fournis. Le procédé permettant de réaliser un paiement anticipé, selon la présente invention, comprend : une étape de stockage d'informations de vendeur au cours de laquelle un ordinateur de courtier reçoit, en provenance d'un ordinateur d'acheteur, des informations concernant un vendeur, et les stocke; une étape de stockage d'informations de paiement anticipé au cours de laquelle l'ordinateur de courtier stocke des informations concernant la limite d'un montant de paiement anticipé total, et des informations concernant un compte de vendeur possédé par le vendeur; une étape de stockage d'informations de paiement anticipé sous la forme de comptes recevables disponibles au cours de laquelle l'ordinateur de courtier stocke des informations concernant des comptes recevables qui peuvent être payés à l'avance; une étape de demande de paiement anticipé au cours de laquelle le vendeur a accès à l'ordinateur de courtier par le biais d'un terminal de vendeur et sélectionne des comptes recevables que le vendeur souhaite recevoir comme paiement anticipé; une étape de détermination au cours de laquelle l'ordinateur de courtier détermine des comptes recevables à payer à l'avance; une étape d'exécution de paiement anticipé au cours de laquelle un ordinateur d'un fournisseur de fonds dépose le montant de paiement anticipé sur le compte du vendeur; et une étape de notification de paiement anticipé au cours de laquelle l'ordinateur de courtier envoie un message concernant l'exécution du paiement anticipé.
PCT/KR2018/008117 2017-07-18 2018-07-18 Procédé permettant de réaliser un paiement anticipé de comptes recevables WO2019017688A1 (fr)

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KR1020170100573A KR101791470B1 (ko) 2017-07-18 2017-08-08 매출채권의 거래 방법

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WO2022107953A1 (fr) 2020-11-23 2022-05-27 주식회사 핀투비 Procédé de prêt basé sur une commande pour des marchandises
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