WO2022065588A1 - Method for receiving loan on basis of bond for settlement - Google Patents

Method for receiving loan on basis of bond for settlement Download PDF

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Publication number
WO2022065588A1
WO2022065588A1 PCT/KR2020/016664 KR2020016664W WO2022065588A1 WO 2022065588 A1 WO2022065588 A1 WO 2022065588A1 KR 2020016664 W KR2020016664 W KR 2020016664W WO 2022065588 A1 WO2022065588 A1 WO 2022065588A1
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WIPO (PCT)
Prior art keywords
loan
computer
seller
information
financial institution
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PCT/KR2020/016664
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French (fr)
Korean (ko)
Inventor
박상순
이원득
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주식회사 핀투비
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Publication of WO2022065588A1 publication Critical patent/WO2022065588A1/en

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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
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

Definitions

  • the present invention relates to a loan method based on a settlement bond, and more specifically, from a financial institution based on a settlement bond for which the sale price of goods from an online commerce platform has not yet been paid for the sale of goods by a seller located on the online commerce platform. It's about how sellers get loans.
  • sellers enter a store to sell goods, and the sales price paid by the buyer is deposited from the buyer or credit card company to the bank account of the online commerce company, and the sales amount excluding a certain fee at a set period of time is transferred to the online commerce Settlement is made in such a way that the company pays the sellers.
  • Korean Patent Application Laid-Open No. 10-2020-0055439 discloses an invention named "Celeron service system and method".
  • the invention of Document 1 proposes a method and system in which a financial institution, such as a bank, lends a loan to a seller for the unsettled sales price.
  • a server of a financial institution that lends a loan to a seller makes a total limit for loan with a market terminal, the server makes a limit agreement and a bond transfer with a seller's terminal, and a consumer in the market receiving sales information from a market terminal after making a purchase and after payment is made;
  • the server executes the loan by performing the selected calculation with the seller terminal, the settlement money is transferred from the market terminal to the server or the deposit account of the server after a predetermined period of time has elapsed It will include the step of processing the deposit to the specified account.
  • An object of the present invention is to provide a method for a seller to obtain a loan from a financial institution based on a settlement bond in which the sale price of goods from an online commerce platform is not settled with respect to the sale of goods by a seller in an online commerce platform.
  • the present invention is to provide a loan method in which the direct judgment or intervention of a person such as a seller or an employee of a financial institution is minimized and the main procedure of loan execution can be implemented by a computer.
  • the above-described problem to be solved by the present invention is that the seller obtains a loan from a financial institution based on the settlement bond in which the sale price of the goods is not settled from the online commerce platform with respect to the sale of goods by the seller in the online commerce platform. It is achieved by the settlement bond-based loan method according to the invention.
  • a platform computer operated by the online commerce platform in which transaction information including seller information and sales information of goods and settlement information on the sale price of goods is recorded, and loan execution between financial institutions and sellers in relation to the execution of the loan method an intermediary computer operated by an intermediary intermediary and accessing the platform computer to receive information and transaction information of each seller; Interconnectable with an intermediary computer, receiving seller information and transaction information from the intermediary computer, recording credit information including loan limits and interest rates for each seller, and disbursing loan amounts to sellers whose loan applications are approved
  • a financial institution computer that operates a withdrawal account of the seller, and a seller terminal possessed by the seller and accessible to an intermediary computer are provided, a transaction preparation step;
  • an information receiving step wherein the intermediary computer accesses the platform computer to receive and record transaction information
  • loan application step wherein the seller accesses the brokerage computer through the seller terminal, records loan application information including the loan application amount to be loaned based on the settlement receivables, and the brokerage computer transmits the loan application information to the financial institution computer ;
  • the determination result of the loan approval according to the loan examination in the financial institution or the determination result of the loan approval of the financial institution computer according to the predetermined criterion is recorded in the financial institution computer, Loan approval determination step;
  • the financial institution computer transmits the decision result of loan approval to the intermediary computer, and the intermediary computer transmits the judgment result transmitted from the financial institution computer to the seller terminal, or the financial institution computer transmits the loan approval decision result to the intermediary computer and the seller terminal. That will, the loan approval result transmission step;
  • a loan execution step wherein after the loan approval result transmission step, the financial institution executes a loan to pay the loan application amount to the deposit account of the seller, and the result of the loan execution is recorded in the financial institution computer;
  • the financial institution computer transmits the result of the loan execution to the intermediary computer, and the intermediary computer transmits the result of the loan execution transmitted from the financial institution computer to the seller terminal, or the financial institution computer transmits the result of the loan execution to the intermediary computer and the seller terminal Which, loan execution information transmission step;
  • the seller who sold the goods through the online commerce platform can get a loan from the financial institution on the basis of the settlement bond before receiving the payment for the sale of the goods from the online commerce platform.
  • the loan can be executed through the credit of the online commerce company operating the online commerce platform.
  • Financial institutions are not the sellers who receive loans, but can receive and verify sales information including information on sellers and settlement details held by online commerce platforms through an intermediary computer operated by an intermediary company. Information on settlement bonds can be verified with high reliability.
  • a financial institution collects sales information from a plurality of online commerce platforms for any one seller and sums the settlement receivables that are the basis of the loan there is no need to calculate
  • the intermediary computer may receive and collect the seller's transaction information from a plurality of online commerce platforms and provide transaction information for any one seller, the seller is You can get a loan based on the full settling receivables in online commerce you have.
  • each financial institution collects each seller's information and transaction information from each online commerce platform, and collects seller information in different record formats and Gathering transaction information is very costly.
  • the intermediary computer can receive information from a plurality of online commerce platforms, collect them, and provide them to a financial institution according to a record format suitable for processing by the financial institution, the seller or the financial institution can Even if you do not have the skills to process online commerce information, intermediaries can provide transaction information between online commerce platforms and financial institutions and sellers on behalf of sellers and financial institutions and make loans actionable.
  • the loan method of the present invention comprises:
  • the intermediary computer determines whether the loan application of the seller is possible, generates information on whether the loan is possible, and when it is determined that the loan is possible, it can be configured to transmit the loan application information to the computer of the financial institution.
  • an intermediary computer not a financial institution that executes a loan, may determine in advance whether a loan is possible based on the same criteria as the loan review in the financial institution.
  • the intermediary computer makes a calculation determination as to whether a loan is possible and promptly informs the seller of the determination result so that the seller can quickly apply for a loan again.
  • the loan method of the present invention comprises:
  • the intermediary computer receives and records credit information for the seller from the computer of the financial institution, and in the loan application step, the intermediary computer determines that the loan application amount of the seller is the total amount of settlement receivables related to the loan application It can be configured to determine that a loan application is not possible if it exceeds a predetermined ratio or exceeds the loan limit on credit information.
  • the loan method of this invention comprises:
  • the computer of the financial institution determines that the loan application is not possible if the loan application amount of the seller exceeds a predetermined ratio with respect to the total amount of settlement receivables related to the loan application or exceeds the loan limit in the credit information It can consist of making a judgment and recording the judgment result.
  • the loan is executed on the basis of the seller's settlement receivable, so if the amount of the settlement receivable is confirmed and the amount of such settlement receivable and the seller's credit limit are compared, then the examination of loan approval is based on a relatively clear standard.
  • the computer of the financial institution Since the computer of the financial institution records both the credit information of the seller and the information on the settlement receivables, it is possible to determine whether to approve the loan based on the recorded information.
  • loan approval can be determined according to the judgment result of the financial institution computer, and even when a final decision by the person in charge of the financial institution is required due to the policy of the financial institution, the person in charge of the loan makes the final decision based on the decision result of the financial institution Since it is possible to determine whether a loan is approved or not, a loan review and loan approval at a financial institution can be quickly determined.
  • the loan method of this invention comprises:
  • an agreement step wherein the intermediary computer generates a loan agreement between the financial institution and the seller in relation to the loan application determined as loan approval, and the seller displays the agreement in the generated agreement and transmits it to the financial institution can be configured as
  • the information is transmitted to an intermediary computer, and the intermediary computer creates a contract, so that the seller visits the financial institution and draws up a loan agreement. may be omitted.
  • the seller is only the seller, in the case where the policy of the financial institution or the regulations on the operation of the financial institution does not require the preparation of a written agreement in paper form and can be replaced by electronic authentication.
  • the intermediary computer By accessing the intermediary computer through the terminal, confirming the generated contract, and displaying the contract as an electronic authentication means, the loan contract is made, so that the loan contract can be made very easily without wasting time.
  • the loan method of this invention comprises:
  • the repayment step wherein the computer of the financial institution collects the loan amount and interest amount from the deposited amount on a set date
  • the loan repayment can be made by the computer of the financial institution.
  • the loan method of this invention comprises:
  • the transaction preparation step is
  • the credit information may be determined by a financial institution based on the seller's information and transaction information for a predetermined period recorded in the financial institution computer and recorded in the financial institution computer.
  • the system of information transmission and reception and information processing between the online commerce platform, the intermediary computer, the merchant terminal and the financial institution computer constituted according to the present invention is limited to the loan application and loan approval stages. not.
  • the financial institution Prior to individual loan application and loan approval, the financial institution must determine the loan limit and interest rate to be applied to the seller.
  • the seller information and the transaction information that the intermediary computer receives from the online commerce platform and provides to the financial institution computer are It can be used as loan review material in the process of setting the loan limit for the seller in question.
  • the loan method of the present invention described above is not limited to a method of processing and transferring information between a single online commerce platform and a single financial institution and executing a loan.
  • Any one seller may sell goods through a plurality of online commerce platforms, and may receive a loan through any one of the plurality of financial institutions.
  • the intermediary computer connects to each platform computer of a plurality of online commerce platforms to receive transaction information of each seller with respect to the plurality of sellers, and collects the information received from each platform computer. It may be configured to record as transaction information for each seller.
  • FIG. 1 is a block diagram of a network in which a loan method according to an embodiment of the present invention is executed.
  • FIG. 2 is a flowchart illustrating a transaction preparation procedure for loan execution performed prior to execution of the loan method according to an embodiment of the present invention.
  • FIG. 3 is a flowchart illustrating the steps of receiving sales information and applying for a loan in the loan method according to an embodiment of the present invention.
  • FIG. 4 is a flowchart showing the steps of determining whether to approve a loan, transmitting the determination result, and making an agreement for a loan application for approved loan in the loan method according to an embodiment of the present invention.
  • FIG. 5 is a flowchart illustrating a step in which repayment for a loan is made from a step in which a loan is executed in the loan method according to an embodiment of the present invention.
  • FIG. 1 shows a computer network in which a loan method according to an embodiment of the present invention is implemented and a schematic information flow in loan execution according to a loan method executed in the computer network.
  • Execution of the loan method according to the embodiment of the present invention is carried out through the mediation computer 10 operated by a third-party intermediary, not an online commerce company or an online commerce platform operated by the online commerce company.
  • the intermediary computer 10 may be directly 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 on a lease.
  • the intermediary computer 10 does not need to be directly operated by the intermediary, and maintenance and the like may be performed by a separate company under the consignment of the intermediary.
  • the platform computer 20 on which the online commerce platform operated by the online commerce company is mounted is illustrated as being composed of a single server computer, but the platform computer includes a plurality of interconnected server devices, information terminals, and database devices. It may consist of etc.
  • a plurality of sellers who want to sell goods through the online commerce platform expose information about their selling products, and a buyer of the goods accesses and views information about the goods to be sold, selects goods and places an order. There is a module to pay for the purchase.
  • product sales information of each seller payment information according to product sales, and return information for which a refund is required due to a return by a consumer after a sale has been made are recorded.
  • the sale price minus a predetermined commission is paid from the online commerce company to the seller and settled.
  • the configuration of the online commerce platform and the platform computer 20 may be variously made and will not be described in detail in this specification because it is implemented as a well-known technology.
  • the intermediary computer 10 does not mean only one computer device, but consists of a plurality of server devices and database devices operated by an intermediary and connected to each other by a network to transmit and receive information.
  • the intermediary computer 10 is composed of a plurality of devices constituting the system, but only the elements related to describing the configuration and operation of the embodiment will be described below.
  • the intermediary computer 10 accesses the platform computer 20 through the network to withdraw or receive information about the seller, information on the sale of goods and the resulting sale price, and settlement information from the online commerce company for the sale price to the seller.
  • the intermediary computer 10 is provided with a web server device 12, an external computer device that does not belong to the intermediary computer 10 through the web server device 12, that is, in this embodiment, the seller's terminal 30 ) accesses the intermediary computer 10 and inquires the information provided by the intermediary computer 10 through a web page provided by the intermediary computer 10, or inputs information into the intermediary computer 10, or the intermediary computer 10 You can receive emails or text messages that you send.
  • Such a seller terminal 30 may be a portable information terminal such as a smart phone held by the person in charge of each seller, or may be a personal computer or a server computer used inside each seller's company.
  • a device possessed and operated by the seller and connectable to the intermediary computer 10 , the platform computer 20 and the bank computer 40 is referred to as a 'seller terminal 30 '.
  • the computer 40 of the bank as a financial institution is a computer that operates the computer system of the bank.
  • the bank has an account for each seller.
  • the bank computer 40 is provided with an account management system 42 for managing each seller's bank account, and a loan management system 41 for managing and executing loans according to this embodiment is provided.
  • the loan management system 41 and the account management system 42 may be implemented as different software modules in one computer, or may be provided as separate hardware devices constituting the bank computer 40 .
  • the bank computer 40 may be configured as a single computer device, or may be configured as a plurality of computer devices and database devices connected to each other in a network.
  • the bank computer 40 is connected to the connection server 11 of the intermediary computer 10 and transmits and receives information necessary for the execution of the loan according to the loan method of this embodiment with the intermediary computer 10.
  • the seller terminal 30 can be connected to the bank computer 40 , so that the seller terminal 30 receives information about loan execution or the seller opens his or her own bank account through the seller terminal 30 You can manage your account or withdraw funds.
  • a bank is described as a financial institution that executes a loan, but a financial institution that executes a loan is not limited to a bank, operates an account for withdrawing and depositing funds, and any type of financial institution that executes a loan It also includes institutions.
  • a bank as a financial institution that executes a loan which will be described later, may also be a plurality of banks, and the seller may select a bank from which he/she wants to receive a loan from among the plurality of banks.
  • the intermediary computer 10 accesses each platform computer 20 and receives information of each seller and sales information of a certain period through the online commerce platform (S1-1).
  • Sales information includes sales records for individual items, sales price according to the sales records, whether or not the buyer returns after sales, information on the refund amount due to the return, and the online commerce company makes the settlement of the sales price paid by the buyer to the seller Settlement information on whether or not it was done is included.
  • Each of these seller information and sales information is transmitted from the intermediary computer 10 to the bank computer 40 and recorded (S1-2).
  • the bank determines the loan limit and interest rate for each seller based on the sales information of each seller recorded in the bank computer 40, and stores the determined loan limit and interest rate in the bank computer 40 as credit information ( S1-3).
  • Credit information such as loan limit and interest rate may be determined according to the creditworthiness of the online commerce company and the creditworthiness of the seller, and, if necessary, may be determined based on consultation through face-to-face contact between the seller and the person in charge of the bank.
  • loan limit and interest rate determined according to the policy of the bank based on information input about the seller, for example, sales information may be determined and recorded by the bank computer 40 .
  • the credit information recorded in the bank computer 40 is transmitted to the intermediary computer 10 or the intermediary computer 30 withdraws from the bank computer 40 and is recorded as credit information about each seller (S1-4).
  • the seller may check his/her credit information by accessing the brokerage computer 10 or the bank computer 40 through the seller terminal 30 (S1-5).
  • this transaction preparation step is not completed as a one-time procedure, and when a new online commerce platform, seller or financial institution wants to use the loan method in this embodiment, it is A transaction preparation step may be newly executed so that the loan transaction can be executed.
  • the transaction preparation step may be periodically updated with respect to a seller or a financial institution that has already implemented the loan method according to this embodiment.
  • the credit information including the loan limit and interest rate for a specific seller is updated once a year, and such update may be performed through the procedure described above.
  • the intermediary computer 10 accesses the platform computer 20 for a certain period of time for each seller It can receive and record sales information of , and transmit it to the bank computer 40 .
  • the bank computer 40 may update credit information for each seller according to the updated sales information received from the intermediary computer 10 .
  • the intermediary computer 10 accesses the platform computer 20 to receive and record sales information of each seller (S2-1).
  • the seller's sales information includes information on product sales records, sales proceeds, and settlement receivables.
  • the settlement bond refers to a bond held by the seller on the settlement price for which the sale of goods has been made, but the sale price is not paid, after deducting a predetermined fee from the online commerce platform to the seller.
  • the information on these settlement bonds can be specified through the information on whether or not the brokerage computer 10 is settled for each sales price received from the platform computer 20 .
  • the reception and recording of sales information by the intermediary computer 10 may be executed at any time at a certain period, and in particular, it is periodically performed even after a loan by a bank to a specific seller is executed, so that the sale and sale proceeds of the product made after the execution of the loan An additional loan to the seller can be executed based on the settlement amount for which settlement has not been made.
  • the intermediary computer 10 receives the sales information received from the plurality of platform computers 20, classifies the received information by seller, sums the sales information of each seller, and sums up the total amount of settlement bonds each seller has. The amount can be calculated (S2-2).
  • a loan application is made by the seller while the transaction preparation step (S1) is executed and the sales information is received (S2) for the sellers from the platform computer 20 by the intermediary computer 10 .
  • the seller can access the brokerage computer 10 with his seller terminal 30 to check his own sales information and credit information (S3-1).
  • the seller may check the total amount of settlement receivables calculated and recorded by the intermediary computer 10 among the sales information about himself and apply for a loan for the amount necessary for himself (S3-2).
  • the loan method of this embodiment is to perform a loan based on the settlement receivables
  • the loan application amount applied by the seller cannot exceed the loan limit on the total amount or the total amount of the settlement receivables and the loan limit on the credit information.
  • a predetermined ratio of the loan application amount to the total amount of these settlement bonds may be calculated in advance by an intermediary or a bank in consideration of the possibility that the settlement bonds may not be normally collected, such as the return ratio of the seller, and recorded as one of the credit information.
  • the seller applies loan application information including the loan application amount and loan request date to the brokerage computer 10 through the seller terminal 30, and the input loan application information is recorded in the intermediary computer 10 ( S3-3).
  • Determination of whether a loan is possible with respect to the loan application of the seller is made by the bank computer 40 operated by the bank executing the loan in the loan possibility determination step (S4) to be described later, but prior to the loan approval determination step (S4) Determination (S3-4) of whether a loan is possible by the intermediary computer 10 is made.
  • the loan management server 14 of the intermediary computer 10 extracts the information of the loan application recorded in the database 13 by the web server 12, and the loan application Compare the loan application information with the credit information and sales information of the seller concerned.
  • the intermediary computer 10 determines that the loan application is not possible when the loan application amount of the seller exceeds a predetermined ratio with respect to the total amount of settlement receivables related to the loan application or exceeds the loan limit on the credit information.
  • the intermediary computer 10 transmits the determination result to the seller terminal 30 (S3-5), and when it is determined that the loan application is possible, the loan application information of the seller is transferred to the bank computer ( 40) (S3-6).
  • the loan application amount may be corrected and the loan application step S3-2 may be performed again.
  • the information of the loan application from the seller terminal 30 is recorded in the intermediary computer 10 without determining whether the loan is possible by the intermediary computer 10 and is configured to be transmitted directly to the bank computer 40 by the intermediary computer.
  • the bank computer 40 makes a preliminary determination on whether to approve the loan (S4-1). If the loan application amount recorded by the seller exceeds a predetermined ratio with respect to the total amount of settlement receivables related to the loan application or exceeds the loan limit in the credit information, the bank computer 40 determines in advance that the loan application is not possible, Record the pre-judgment result.
  • the loan officer of the bank checks the loan application information and the preliminary determination result through the bank computer 40, finally determines whether to approve the loan, and records the approval result in the bank computer 40 (S4-2).
  • the specific seller's information and sales information are recorded in the bank computer 40 through the intermediary computer 10, and credit information such as the loan limit and interest rate is determined and recorded through a predetermined loan examination. Therefore, if the individual loan application by the seller meets the predetermined loan availability requirements described above, the loan management system 42 of the bank computer determines whether the requirements are met and the final loan approval is not performed by a separate person. It can be processed by recording information.
  • the bank computer 40 transmits the loan approval determination result to the intermediary computer 10 (S5-1), and the intermediary computer 10 receives the determination result transmitted from the bank computer 40 It is received, recorded, and transmitted to the seller terminal 30 (S5-2).
  • the seller may check the determination result through the seller terminal 30 and proceed to the loan application step (S3-2) again.
  • the bank computer 40 may be configured to transmit the determination result of the loan approval to both sides of the intermediary computer 10 and the seller terminal 30 together.
  • the intermediary computer 10 When the intermediary computer 10 receives the determination result of the loan approval from the bank computer 40, it creates an individual loan agreement between the bank and the seller in relation to the loan application (S6-1).
  • the seller may check the result of loan approval through the seller terminal 30 , access the brokerage computer 10 through the seller terminal 30 , and check the contract created by the brokerage computer 10 .
  • the seller confirms the contract, and displays the contract in the contract through the electronic authentication means between the seller terminal 30 and the intermediary computer 10 (S6-2).
  • the contract with the indication of the contract is transmitted to the bank computer 40 through the intermediary computer 10 (S6-3).
  • the brokerage computer 10 creates the agreement and the broker outputs the created agreement to the seller, and the seller may indicate the contract in the contract and submit it directly to the bank through an intermediary.
  • the seller displays the contract through electronic authentication means in the contract created by the intermediary computer 10, and the intermediary computer 10 creates and outputs the contract with the indication of the contract This may consist of an intermediary submitting the created contract to the bank.
  • the loan may be performed only by the determination and loan approval in the loan approval determination step (S4).
  • the bank computer 40 receives the contract from the intermediary computer 10 or the seller (S6-4), the loan application amount approved for the loan through the account management system 41 corresponds to the loan request date included in the loan application information
  • the loan execution is performed to pay the seller's account (S7-1), and the loan execution result is recorded in the loan management system 41 (S7-2).
  • the bank computer 40 transmits the loan execution result to the intermediary computer 10 (S8-1), and the intermediary computer 10 receives the loan execution result transmitted from the bank computer 40 It is recorded as loan information for the seller (S8-2), and also transmitted to the seller terminal 30.
  • the bank computer 40 may be configured to transmit the loan execution result to both sides of the intermediary computer 10 and the seller terminal 30 .
  • the online commerce platform transfers the settlement amount of the seller whose loan has been executed through the platform computer 20 to the account management system of the bank computer (42) Deposits into the Seller's deposit account operated by.
  • the deposit account of the seller to which the settlement amount is deposited is a separate account from the withdrawal account of the seller to which the loan application amount is deposited by the bank through which the loan is executed.
  • withdrawal account refers to an account to which a loan amount is deposited
  • deposit account merely refers to an account to which settlement money is deposited. not.
  • the bank computer 40 confirms the fact of the deposit (S10-1) and collects the loan amount and interest amount from the deposited amount on the set repayment date. (S10-2) Repayment of the loan is made.

Abstract

The present invention relates to a method for receiving a loan on the basis of a bond for settlement, in which with respect to a sale of an article by a seller operating business in an online commercial transaction platform, the seller receives a loan from a financial institution on the basis of a bond for settlement, for which the sale price of the article has not been paid from the online commercial transaction platform. The method for receiving a loan according to the present invention comprises: a transaction preparation step in which a platform computer operated by an online commercial transaction platform, a mediation computer operated by a broker who mediates loan execution, a financial institution computer for operating a seller's account for withdrawal, to which a loan amount is deposited, and a seller terminal are prepared; an information reception step in which the mediation computer receives and records transaction information; a loan application step that goes through the seller terminal; a loan approval determination step in which the result of a determination of loan approval by the financial institution computer is recorded in the financial institution computer; a loan approval result transmission step in which the result of the determination of the loan approval is transmitted; a loan execution step; and a loan execution information transmission step.

Description

정산 채권을 기반으로 하는 대출 방법Loan method based on settlement receivables
이 발명은 정산 채권을 기반으로 하는 대출 방법에 관한 것으로서, 구체적으로는 온라인 상거래 플랫폼에 입점한 판매자의 물품 판매에 대하여 온라인 상거래 플랫폼으로부터 물품 판매 대금이 아직 지급되지 않은 정산 채권에 기반하여 금융기관으로부터 판매자가 대출을 받는 방법에 관한 것이다.The present invention relates to a loan method based on a settlement bond, and more specifically, from a financial institution based on a settlement bond for which the sale price of goods from an online commerce platform has not yet been paid for the sale of goods by a seller located on the online commerce platform. It's about how sellers get loans.
온라인 거래는 개별 판매자가 운영하는 거래용 사이트를 통하여 물품이나 용역의 거래가 일어나기도 하지만, 일반 소비자를 대상으로 하는 소매 거래의 상당수는 대형의 온라인 상거래업체가 운영하는 온라인 상거래 플랫폼에 판매자들이 입점하여 물품 등을 판매하는 형태로 이루어진다.In online transactions, goods or services are traded through transaction sites operated by individual sellers. However, most of the retail transactions for general consumers are made by sellers entering online commerce platforms operated by large online commerce companies. It is made in the form of selling etc.
이러한 온라인 상거래 플랫폼은 판매자들이 입점하여 물품을 판매하고, 구매자가 결제한 판매 대금은 구매자로부터 또는 신용카드사로부터 온라인 상거래업체의 은행 계좌 등으로 입금되고, 정해진 시기에 일정 수수료를 제외한 판매 금액이 온라인 상거래업체로부터 판매자들에게 지급되는 방식으로 정산이 이루어진다.In such an online commerce platform, sellers enter a store to sell goods, and the sales price paid by the buyer is deposited from the buyer or credit card company to the bank account of the online commerce company, and the sales amount excluding a certain fee at a set period of time is transferred to the online commerce Settlement is made in such a way that the company pays the sellers.
따라서, 온라인 상거래 플랫폼을 통하여 구매자들에게 물품 판매가 이루어지고 판매 대금이 입금되어도 판매 대금이 정산되어 온라인 상거래업체로부터 판매자들에게 정산대금이 지급되기까지는 시일이 소요된다.Therefore, it takes a long time for the sale price to be settled and the settlement price to be paid from the online commerce company to the sellers even when the product is sold to buyers through the online commerce platform and the sales price is deposited.
온라인 상거래업체의 정책에 따라 물품 판매와 판매 대금의 입금이 이루어진 시기와 정산 대금의 지급이 이루어지는 시기 사이의 시일이 짧은 경우에는 특별히 문제가 되지 않을 수 있지만, 그러한 시일이 긴 경우에 판매자가 자금 운용에 곤란을 겪을 수 있다.According to the policy of the online commerce company, if the time between the sale of goods and the deposit of the sale price and the time when the settlement price is paid is short, it may not be a particular problem, but in such a long time, the seller may have trouble with
특히, 온라인 상거래 플랫폼이 외국의 업체에 의해 운영되는 경우에는 물품의 판매 시점과 정산 시점 사이의 간극이 크게 되어 판매자들이 자금 운용에 더욱 어려움을 겪을 수 있다.In particular, when the online commerce platform is operated by a foreign company, the gap between the time of sale of goods and the time of settlement becomes large, which may make it more difficult for sellers to manage funds.
이러한 문제를 해결하는 방안의 하나로서, 대한민국 특허공개공보 제10-2020-0055439호(문헌 1)에는 "셀러론 서비스 시스템 및 방법"이라는 명칭의 발명이 개시되어 있다.As one of the ways to solve this problem, Korean Patent Application Laid-Open No. 10-2020-0055439 (Document 1) discloses an invention named "Celeron service system and method".
문헌 1의 발명에서는 정산이 되지 않은 판매 대금에 대하여 은행과 같은 금융기관이 판매자에게 대출을 하여 주는 방법과 시스템을 제시한다.The invention of Document 1 proposes a method and system in which a financial institution, such as a bank, lends a loan to a seller for the unsettled sales price.
문헌 1의 발명에 따른 방법은, 판매자에게 대출을 해주는 금융기관의 서버가 마켓 단말기와 대출에 대한 총한도 약정을 하는 단계, 서버가 판매자 단말기와 한도약정 및 채권 양수도를 하는 단계, 소비자가 마켓에서 구매를 한 후 결제가 이루어지고 나서 마켓 단말기로부터 매출정보를 전송받는 단계; 서버가 상기 셀러 단말기로 선정산을 하여 대출을 집행하는 단계, 소정 기간 경과 후에 마켓 단말기로부터 정산금이 상기 서버 또는 서버의 입금계좌로 입금되는 단계, 서버가 정산금으로 대출금 상환처리를 하고 잔여 금액을 셀러가 지정한 계좌로 입금처리하는 단계를 포함하는 것이다.In the method according to the invention of Document 1, a server of a financial institution that lends a loan to a seller makes a total limit for loan with a market terminal, the server makes a limit agreement and a bond transfer with a seller's terminal, and a consumer in the market receiving sales information from a market terminal after making a purchase and after payment is made; The server executes the loan by performing the selected calculation with the seller terminal, the settlement money is transferred from the market terminal to the server or the deposit account of the server after a predetermined period of time has elapsed It will include the step of processing the deposit to the specified account.
문헌 1의 발명에서는 금융기관과 판매자 사이의 대출 약정 및 채권 양수도가 금융기관의 서버와 판매자 단말기 사이에 이루어지는 것으로 설정하고 있다. In the invention of Document 1, it is set that the loan agreement and the transfer of bonds between the financial institution and the seller are made between the server of the financial institution and the seller's terminal.
금융기관에 의한 대출은 대출을 원하는 사람이나 기업에 대하여 금융기관 종사자에 의한 심사를 통하여 금리와 대출 한도 등을 결정이 이루어지는데, 문헌 1의 발명에서는 그러한 과정이 금융기관의 서버에 의해 이루어지는 것으로 설정하고 있다.In the case of loans by financial institutions, interest rates and loan limits are determined through a review by a financial institution employee for a person or company who wants a loan. are doing
이러한 컴퓨터에 의한 대출 심사와 약정은 가능하지도 않을 뿐만 아니라, 문헌 1에는 그러한 과정이 전자적으로 이루어지는데 필요한 판정 기준 등도 제시되어 있지 않다.It is not possible to review and contract a loan by such a computer, and Document 1 does not provide criteria for judgment necessary for such a process to be performed electronically.
또한. 문헌 1의 발명에서는 어떠한 판매자에 대한 대출 약정이 이루어진 상태에서 판매자가 가지는 매출 채권에 기초하여 개별적인 대출이 이루어지지만, 문헌 1의 발명에서는 개별적인 대출이 가능한지 여부에 대한 아무런 판정 기준이 제시되어 있지 않다.also. In the invention of Document 1, individual loans are made based on the accounts receivable by the seller in a state where a loan agreement is made to a certain seller.
이 발명은 온라인 상거래 플랫폼에 입점한 판매자의 물품 판매에 대하여 온라인 상거래 플랫폼으로부터 물품 판매 대금이 정산되지 않은 정산 채권에 기반하여 금융기관으로부터 판매자가 대출을 받는 방법을 제공하려는 것이다.An object of the present invention is to provide a method for a seller to obtain a loan from a financial institution based on a settlement bond in which the sale price of goods from an online commerce platform is not settled with respect to the sale of goods by a seller in an online commerce platform.
특히, 이 발명은 판매자나 금융기관의 종사자와 같은 사람의 직접적인 판단이나 개입이 최소화되고 대출 실행의 주요한 절차가 컴퓨터에 의해 구현 가능한 대출 방법을 제공하려는 것이다. In particular, the present invention is to provide a loan method in which the direct judgment or intervention of a person such as a seller or an employee of a financial institution is minimized and the main procedure of loan execution can be implemented by a computer.
전술한 이 발명이 해결하고자 하는 과제는, 온라인 상거래 플랫폼에 입점한 판매자의 물품 판매에 대하여 온라인 상거래 플랫폼으로부터 물품 판매 대금이 정산되지 않은 정산 채권에 기반하여 금융기관으로부터 판매자가 대출을 받는 것인 이 발명에 따른 정산 채권 기반의 대출 방법에 의해 달성된다.The above-described problem to be solved by the present invention is that the seller obtains a loan from a financial institution based on the settlement bond in which the sale price of the goods is not settled from the online commerce platform with respect to the sale of goods by the seller in the online commerce platform. It is achieved by the settlement bond-based loan method according to the invention.
이 발명에 따른 정산 채권 기반의 대출 방법은, The settlement bond-based loan method according to this invention,
온라인 상거래 플랫폼이 운영하고, 판매자의 정보 및 물품의 판매 정보와 물품의 판매 대금에 대한 정산 정보를 포함하는 거래 정보가 기록되는 플랫폼 컴퓨터, 대출 방법의 실행에 관하여 금융기관과 판매자 사이에서 대출 실행을 중개하는 중개업자가 운영하고, 플랫폼 컴퓨터에 접속하여 각각의 판매자의 정보 및 거래 정보를 수신하는 중개 컴퓨터; 중개 컴퓨터와 상호 접속 가능하고, 중개 컴퓨터로부터 판매자의 정보와 거래 정보를 수신하고 각각의 판매자에 대한 대출 한도와 금리를 포함하는 여신 정보가 기록되며, 대출 신청이 승인된 판매자에게 대출 금액을 지급하는 판매자의 인출 계좌를 운영하는 금융기관 컴퓨터, 및 판매자가 보유하고 중개 컴퓨터에 접속 가능한 판매자 단말기가 마련되는 것인, 거래 준비 단계;A platform computer operated by the online commerce platform, in which transaction information including seller information and sales information of goods and settlement information on the sale price of goods is recorded, and loan execution between financial institutions and sellers in relation to the execution of the loan method an intermediary computer operated by an intermediary intermediary and accessing the platform computer to receive information and transaction information of each seller; Interconnectable with an intermediary computer, receiving seller information and transaction information from the intermediary computer, recording credit information including loan limits and interest rates for each seller, and disbursing loan amounts to sellers whose loan applications are approved A financial institution computer that operates a withdrawal account of the seller, and a seller terminal possessed by the seller and accessible to an intermediary computer are provided, a transaction preparation step;
중개 컴퓨터가 플랫폼 컴퓨터에 접속하여 거래 정보를 수신하여 기록하는 것인, 정보 수신 단계;an information receiving step, wherein the intermediary computer accesses the platform computer to receive and record transaction information;
판매자가 판매자 단말기를 통하여 중개 컴퓨터에 접속하여 정산 채권에 기초하여 대출받고자 하는 대출 신청 금액을 포함한 대출 신청 정보를 기록하고, 중개 컴퓨터가 대출 신청 정보를 금융기관 컴퓨터에 전송하는 것인, 대출 신청 단계; Loan application step, wherein the seller accesses the brokerage computer through the seller terminal, records loan application information including the loan application amount to be loaned based on the settlement receivables, and the brokerage computer transmits the loan application information to the financial institution computer ;
중개 컴퓨터로부터의 대출 신청 정보의 전송에 따라 금융기관에서의 대출 심사에 따른 대출 승인의 판정 결과 또는 미리 정해진 판정 기준에 따른 금융기관 컴퓨터의 대출 승인의 판정 결과가 금융기관 컴퓨터에 기록되는 것인, 대출 승인 판정 단계;In accordance with the transmission of the loan application information from the intermediary computer, the determination result of the loan approval according to the loan examination in the financial institution or the determination result of the loan approval of the financial institution computer according to the predetermined criterion is recorded in the financial institution computer, Loan approval determination step;
금융기관 컴퓨터가 대출 승인의 판정 결과를 중개 컴퓨터에 전송하고 중개 컴퓨터가 금융기관 컴퓨터로부터 전송되는 판정 결과를 판매자 단말기에 전송하거나 금융기관 컴퓨터가 대출 승인의 판정 결과를 중개 컴퓨터 및 판매자 단말기에 전송하는 것인, 대출 승인 결과 전송 단계; The financial institution computer transmits the decision result of loan approval to the intermediary computer, and the intermediary computer transmits the judgment result transmitted from the financial institution computer to the seller terminal, or the financial institution computer transmits the loan approval decision result to the intermediary computer and the seller terminal. That will, the loan approval result transmission step;
대출 승인 결과 전송 단계 후에, 금융기관이 대출 신청 금액을 해당 판매자의 입금 계좌에 지급하는 대출 실행을 하고 대출 실행의 결과가 금융기관 컴퓨터에 기록되는 것인, 대출 실행 단계; 및a loan execution step, wherein after the loan approval result transmission step, the financial institution executes a loan to pay the loan application amount to the deposit account of the seller, and the result of the loan execution is recorded in the financial institution computer; and
금융기관 컴퓨터가 대출 실행의 결과를 중개 컴퓨터에 전송하고 중개 컴퓨터가 금융기관 컴퓨터로부터 전송되는 대출 실행의 결과를 판매자 단말기에 전송하거나 금융기관 컴퓨터가 대출 실행의 결과를 중개 컴퓨터 및 판매자 단말기에 전송하는 것인, 대출 실행 정보 전송 단계; The financial institution computer transmits the result of the loan execution to the intermediary computer, and the intermediary computer transmits the result of the loan execution transmitted from the financial institution computer to the seller terminal, or the financial institution computer transmits the result of the loan execution to the intermediary computer and the seller terminal Which, loan execution information transmission step;
를 포함하는 것이다.will include
이와 같은 구성을 갖는 이 발명의 대출 방법에 따르면, 온라인 상거래 플랫폼을 통하여 물품을 판매한 판매자는 온라인 상거래 플랫폼으로부터 물품의 판매 대금을 지급받기 전에 정산 채권을 기초로 하여 금융기관으로부터 대출을 받을 수 있다.According to the loan method of the present invention having such a configuration, the seller who sold the goods through the online commerce platform can get a loan from the financial institution on the basis of the settlement bond before receiving the payment for the sale of the goods from the online commerce platform. .
이러한 대출 방법은 판매자가 대출을 받기 위한 자산이나 신용이 부족한 경우에도 온라인 상거래 플랫폼을 운영하는 온라인 상거래업체의 신용을 통하여 대출이 실행될 수 있다.In this loan method, even when the seller lacks the assets or credit for obtaining a loan, the loan can be executed through the credit of the online commerce company operating the online commerce platform.
금융기관으로서는 상대적으로 기업의 규모가 크고 신용도가 높을 수 있는 온라인 상거래업체가 판매자에게 지급할 정산 채권의 금액을 확인하고, 그러한 금액을 통한 상환을 기대하고 대출을 실행할 수 있기 때문이다.This is because, as a financial institution, an online commerce company with a relatively large corporate size and high creditworthiness can check the amount of settlement receivables to be paid to the seller and issue a loan with the expectation of repayment through such amount.
금융기관은, 대출을 받는 판매자가 아니라, 중개업체가 운영하는 중개 컴퓨터를 통하여 온라인 상거래 플랫폼이 보유하는 판매자에 대한 정보 및 정산 내역을 포함한 판매 정보를 수신하여 확인할 수 있으므로, 대출 실행의 기초가 되는 정산 채권에 대한 정보를 신뢰성 높게 확인할 수 있다.Financial institutions are not the sellers who receive loans, but can receive and verify sales information including information on sellers and settlement details held by online commerce platforms through an intermediary computer operated by an intermediary company. Information on settlement bonds can be verified with high reliability.
특히, 대출을 받고자 하는 판매자가 복수의 온라인 상거래 플랫폼을 통하여 물품을 판매하는 경우, 금융기관이 어느 하나의 판매자에 대하여 다수의 온라인 상거래 플랫폼으로부터 판매 정보를 수합하여 대출의 기초가 되는 정산 채권을 총합을 산출할 필요가 없다. In particular, when a seller who wants to receive a loan sells goods through a plurality of online commerce platforms, a financial institution collects sales information from a plurality of online commerce platforms for any one seller and sums the settlement receivables that are the basis of the loan there is no need to calculate
중개 컴퓨터가 복수의 온라인 상거래 플랫폼으로부터 판매자의 거래 정보를 수신하고 수합하여 어느 하나의 판매자에 대한 거래 정보를 제공할 수 있으므로, 판매자는, 각각의 온라인 상거래 플랫폼에서의 물품 판매의 정산 채권이 아닌, 자신이 보유한 온라인 상거래에서의 전체 정산 채권을 기초로 대출을 받을 수 있다.Since the intermediary computer may receive and collect the seller's transaction information from a plurality of online commerce platforms and provide transaction information for any one seller, the seller is You can get a loan based on the full settling receivables in online commerce you have.
금융기관이 온라인 상거래에서의 정산 채권을 기초로 하여 대출을 실행하고자 하는 경우, 각각의 금융기관이 각각의 온라인 상거래 플랫폼으로부터 각각의 판매자의 정보 및 거래 정보를 수합하고 서로 기록 형식이 다른 판매자 정보 및 거래 정보를 수합하는 것은 매우 비용 소모적이다.When a financial institution intends to issue a loan based on settlement receivables in online commerce, each financial institution collects each seller's information and transaction information from each online commerce platform, and collects seller information in different record formats and Gathering transaction information is very costly.
그러나, 이 발명의 대출 방법에 따르면, 중개 컴퓨터에서 다수의 온라인 상거래 플랫폼으로부터의 정보를 수신하고 이들을 수합하고 금융기관의 처리에 적합한 기록 형식에 맞추어 금융기관에 제공할 수 있으므로, 판매자나 금융기관이 온라인 상거래 정보의 처리에 관한 기술을 보유하지 않은 경우에도, 중개업체가 판매자와 금융기관을 대신하여 온라인 상거래 플랫폼과 금융기관 및 판매자 사이에서 거래 정보를 제공하고 대출이 실행 가능하도록 할 수 있다.However, according to the loan method of the present invention, since the intermediary computer can receive information from a plurality of online commerce platforms, collect them, and provide them to a financial institution according to a record format suitable for processing by the financial institution, the seller or the financial institution can Even if you do not have the skills to process online commerce information, intermediaries can provide transaction information between online commerce platforms and financial institutions and sellers on behalf of sellers and financial institutions and make loans actionable.
이 발명의 부가의 특징으로서, 이 발명의 대출 방법은, As an additional feature of the present invention, the loan method of the present invention comprises:
상기 대출 신청 단계에서, 중개 컴퓨터는 판매자의 대출 신청이 가능한지 여부를 판정하여 대출 가능 여부에 대한 정보를 생성하고, 대출 가능으로 판정하면 금융기관 컴퓨터에 대출 신청 정보를 송신하는 것으로 구성할 수 있다.In the loan application step, the intermediary computer determines whether the loan application of the seller is possible, generates information on whether the loan is possible, and when it is determined that the loan is possible, it can be configured to transmit the loan application information to the computer of the financial institution.
이와 같이, 대출 신청 단계에서 대출을 실행하는 금융기관이 아닌 중개 컴퓨터가 금융기관에서의 대출 심사와 같은 기준으로 대출 가능 여부를 사전 판정할 수 있다.In this way, in the loan application stage, an intermediary computer, not a financial institution that executes a loan, may determine in advance whether a loan is possible based on the same criteria as the loan review in the financial institution.
대출 요건을 갖추지 못한 대출 신청이 금융기관 컴퓨터로 전송되고, 금융기관에서의 심사에 시일이 소요된 후에 대출 승인이 되지 않는다면, 판매자로서는 대출 신청 내용을 보완하여 다시 대출 신청을 하는 데에 많은 시일이 소요될 수 있다.If a loan application that does not meet the loan requirements is sent to the computer of a financial institution and the loan is not approved after a period of time for review by the financial institution, the seller will have a lot of time to supplement the loan application and apply for a loan again. may take
그러나, 이 발명의 전술한 부가적 특징에 따르면, 대출 신청 단계에서 중개 컴퓨터가 대출 가능 여부에 대해 산정 판정을 하고 판정 결과를 판매자에게 신속하게 통보하여 판매자가 신속하게 다시 대출 신청을 할 수 있다.However, according to the above-described additional feature of the present invention, in the loan application step, the intermediary computer makes a calculation determination as to whether a loan is possible and promptly informs the seller of the determination result so that the seller can quickly apply for a loan again.
이러한 부가적 특징의 실시 양태로서, 이 발명의 대출 방법은, As an embodiment of this additional feature, the loan method of the present invention comprises:
상기 거래 준비 단계에서, 중개 컴퓨터는 금융기관 컴퓨터로부터 판매자에 대한 여신 정보를 수신하여 기록하고, 상기 대출 신청 단계에서, 중개 컴퓨터는, 판매자의 대출 신청 금액이 당해 대출 신청에 관한 정산 채권의 합계 금액에 대하여 소정 비율을 초과하거나 여신 정보 상의 대출 한도를 초과하는 경우에 대출 신청이 가능하지 않은 것으로 판정하는 것으로 구성할 수 있다.In the transaction preparation step, the intermediary computer receives and records credit information for the seller from the computer of the financial institution, and in the loan application step, the intermediary computer determines that the loan application amount of the seller is the total amount of settlement receivables related to the loan application It can be configured to determine that a loan application is not possible if it exceeds a predetermined ratio or exceeds the loan limit on credit information.
이 발명의 추가의 특징으로서, 이 발명의 대출 방법은, As a further feature of this invention, the loan method of this invention comprises:
대출 승인 판정 단계에서, 금융기관 컴퓨터는 판매자의 대출 신청 금액이 당해 대출 신청에 관한 정산 채권의 합계 금액에 대하여 소정 비율을 초과하거나 여신 정보 상의 대출 한도를 초과하는 경우에 대출 신청이 가능하지 않은 것으로 판정하고 판정 결과를 기록하는 것으로 구성할 수 있다.In the loan approval determination step, the computer of the financial institution determines that the loan application is not possible if the loan application amount of the seller exceeds a predetermined ratio with respect to the total amount of settlement receivables related to the loan application or exceeds the loan limit in the credit information It can consist of making a judgment and recording the judgment result.
이 발명에 따른 대출 방법은 판매자의 정산 채권을 기초로 하여 대출이 실행되므로, 정산 채권의 금액이 확인되고 그러한 정산 채권의 금액과 판매자의 여신 한도를 대비하면 대출 승인 여부의 심사가 비교적 명확한 기준에 의해 이루어질 수 있다.In the loan method according to the present invention, the loan is executed on the basis of the seller's settlement receivable, so if the amount of the settlement receivable is confirmed and the amount of such settlement receivable and the seller's credit limit are compared, then the examination of loan approval is based on a relatively clear standard. can be done by
금융기관 컴퓨터는 판매자의 여신 정보와 정산 채권에 관한 정보가 모두 기록되어 있으므로, 기록된 정보를 바탕으로 하여 대출 승인 여부를 판정할 수 있다.Since the computer of the financial institution records both the credit information of the seller and the information on the settlement receivables, it is possible to determine whether to approve the loan based on the recorded information.
따라서, 금융기관 컴퓨터의 판정 결과에 따라 대출 승인이 결정될 수 있고, 금융기관의 정책상 금융기관 담당자의 최종 판정이 필요한 경우에도, 대출을 담당하는 담당자가 금융기관의 판정 결과를 기초로 하여 최종적인 대출 승인 여부를 판정할 수 있으므로, 금융기관에서의 대출 심사 및 대출 승인 여부가 신속히 결정될 수 있다.Therefore, loan approval can be determined according to the judgment result of the financial institution computer, and even when a final decision by the person in charge of the financial institution is required due to the policy of the financial institution, the person in charge of the loan makes the final decision based on the decision result of the financial institution Since it is possible to determine whether a loan is approved or not, a loan review and loan approval at a financial institution can be quickly determined.
이 발명의 추가의 특징으로서, 이 발명의 대출 방법은, As a further feature of this invention, the loan method of this invention comprises:
상기 대출 승인 결과 전송 단계와 대출 실행 단계 사이에, Between the loan approval result transmission step and the loan execution step,
중개 컴퓨터가 대출 승인으로 판정된 대출 신청에 관하여 금융기관과 판매자 사이의 대출에 관한 약정서를 생성하고, 판매자는 생성된 약정서에 약정의 표시를 하여 금융기관에 전달하는 것인 약정 단계를 더 포함하는 것으로 구성할 수 있다.Further comprising an agreement step wherein the intermediary computer generates a loan agreement between the financial institution and the seller in relation to the loan application determined as loan approval, and the seller displays the agreement in the generated agreement and transmits it to the financial institution can be configured as
금융기관의 정책에 따라 또는 금융기관의 대출에 관한 정부의 정책이나 법률이 규정에 따라, 개별적인 대출에 관한 금융기관과 판매자 사이의 대출 약정서의 작성이 필요할 수 있다.Depending on the policy of the financial institution, or according to the government policy or law regarding the loan of the financial institution, it may be necessary to draw up a loan agreement between the financial institution and the seller for an individual loan.
전술한 이 발명의 추가의 특징에 따르면, 금융기관이 대출 승인을 한 경우에, 해당 정보가 중개 컴퓨터로 전송되어 중개 컴퓨터가 약정서를 생성함으로써 판매자가 금융기관을 방문하여 대출 약정서를 작성하는 번거로운 절차가 생략될 수 있다.According to a further feature of the present invention described above, when a financial institution approves a loan, the information is transmitted to an intermediary computer, and the intermediary computer creates a contract, so that the seller visits the financial institution and draws up a loan agreement. may be omitted.
특히, 금융기관의 정책 또는 금융기관의 운영에 관한 법규에서 종이 형태의 문서화된 약정서의 작성이 필요하지 않고 전자적인 인증으로 대체 가능한 경우에는, 이 발명의 전술한 추가의 특징에 따라 판매자는 단지 판매자 단말기를 통하여 중개 컴퓨터에 접속하여 생성된 약정서를 확인하고 전자적인 인증 수단으로서 약정의 표시를 하면 대출에 관한 약정이 이루어지므로, 시간을 소모하는 일이 없이 매우 간편하게 대출 약정이 이루어질 수 있다.In particular, according to the above-mentioned additional feature of the present invention, the seller is only the seller, in the case where the policy of the financial institution or the regulations on the operation of the financial institution does not require the preparation of a written agreement in paper form and can be replaced by electronic authentication. By accessing the intermediary computer through the terminal, confirming the generated contract, and displaying the contract as an electronic authentication means, the loan contract is made, so that the loan contract can be made very easily without wasting time.
이 발명의 추가의 특징으로서, 이 발명의 대출 방법은, As a further feature of this invention, the loan method of this invention comprises:
온라인 상거래 플랫폼이 대출 실행된 당해 판매자의 물품 판매 대금을 금융기관의 컴퓨터가 운영하는 판매자의 입금 계좌에 입금하는 것인 결제 단계; 및a payment step of depositing, by the online commerce platform, the sale price of the seller's product, which has been loaned out, to the deposit account of the seller operated by the computer of the financial institution; and
물품 판매 대금이 입금 계좌에 입금되면, 금융기관 컴퓨터가 입금된 금액으로부터 정해진 기일에 대출 금액과 이자 금액을 회수하는 것인, 상환 단계When the product sales proceeds are deposited into the deposit account, the repayment step, wherein the computer of the financial institution collects the loan amount and interest amount from the deposited amount on a set date
를 더 포함하는 것으로 구성할 수 있다.It can be configured to further include a.
이러한 추가의 특징에 따르면, 판매자에 의한 별도의 상환 절차 없이, 판매자의 정산 채권에 대하여 온라인 상거래 플랫폼으로부터 정산 금액이 입금되면, 금융기관 컴퓨터에 의해 대출 상환이 이루어질 수 있다.According to this additional feature, when the settlement amount is deposited from the online commerce platform for the settlement bond of the seller, without a separate repayment procedure by the seller, the loan repayment can be made by the computer of the financial institution.
이 발명의 추가의 특징으로서, 이 발명의 대출 방법은, As a further feature of this invention, the loan method of this invention comprises:
상기 거래 준비 단계는, The transaction preparation step is
중개 컴퓨터가 플랫폼 컴퓨터에 접속하여 판매자의 정보 및 소정 기간의 거래 정보를 수신하는 수신 단계, 및 수신된 판매자의 정보 및 소정 기간의 거래 정보를 금융기관 컴퓨터에 전송하는 전송 단계 및 금융기관 컴퓨터가 전송된 정보를 기록하는 기록 단계를 더 포함하고, A receiving step in which the intermediary computer accesses the platform computer to receive the seller's information and transaction information for a predetermined period, and a transmission step of transmitting the received seller information and transaction information for a predetermined period to the financial institution computer, and the financial institution computer transmits Further comprising a recording step of recording the information,
상기 여신 정보는 금융기관 컴퓨터에 기록되는 판매자의 정보 및 소정 기간의 거래 정보를 바탕으로 금융기관에 의해 결정되어 금융기관 컴퓨터에 기록되는 것으로 구성할 수 있다.The credit information may be determined by a financial institution based on the seller's information and transaction information for a predetermined period recorded in the financial institution computer and recorded in the financial institution computer.
이러한 추가의 특징에 따르면, 이 발명에 따라 구성되는 온라인 상거래 플랫폼, 중개 컴퓨터, 판매자 단말기 및 금융기관 컴퓨터 사이의 정보 송수신 및 정보 처리의 체계는 단지 대출의 신청과 대출 승인 단계에만 국한하여 이용되는 것은 아니다.According to this additional feature, the system of information transmission and reception and information processing between the online commerce platform, the intermediary computer, the merchant terminal and the financial institution computer constituted according to the present invention is limited to the loan application and loan approval stages. not.
개별적인 대출의 신청과 대출의 승인에 앞서, 금융기관은 판매자에 대해 적용할 대출 한도와 금리를 결정하여야 한다. Prior to individual loan application and loan approval, the financial institution must determine the loan limit and interest rate to be applied to the seller.
이 발명의 전술한 추가의 특징에 따르면, 대출을 신청하고 승인하는 단계가 실행되기 전인 거래 준비 단계에서, 중개 컴퓨터가 온라인 상거래 플랫폼으로부터 수신하여 금융기관 컴퓨터에 제공하는 판매자의 정보 및 거래 정보는 금융기관에서 당해 판매자에 대한 대출 한도 등을 정하는 절차에서 대출 심사 자료로 이용될 수 있다.According to the above-described further feature of the present invention, in the transaction preparation step before the step of applying and approving the loan is executed, the seller information and the transaction information that the intermediary computer receives from the online commerce platform and provides to the financial institution computer are It can be used as loan review material in the process of setting the loan limit for the seller in question.
이상 설명한 이 발명의 대출 방법은 하나의 온라인 상거래 플랫폼과 하나의 금융기관 사이에서의 정보의 가공과 전달 및 대출을 실행하는 방법에 국한되지 않는다.The loan method of the present invention described above is not limited to a method of processing and transferring information between a single online commerce platform and a single financial institution and executing a loan.
어느 하나의 판매자는 복수의 온라인 상거래 플랫폼을 통하여 물품을 판매하고, 복수의 금융기관 중에서 어느 하나의 금융기관을 통하여 대출을 받을 수 있다.Any one seller may sell goods through a plurality of online commerce platforms, and may receive a loan through any one of the plurality of financial institutions.
따라서, 상기 정보 수신 단계에서, 중개 컴퓨터는 복수의 온라인 상거래 플랫폼의 각각의 플랫폼 컴퓨터에 접속하여 복수의 판매자에 대하여 각각의 판매자의 거래 정보를 수신하고, 각각의 플랫폼 컴퓨터로부터 수신된 정보를 수합하여 각각의 판매자에 대한 거래 정보로서 기록하도록 구성될 수 있다.Accordingly, in the information receiving step, the intermediary computer connects to each platform computer of a plurality of online commerce platforms to receive transaction information of each seller with respect to the plurality of sellers, and collects the information received from each platform computer. It may be configured to record as transaction information for each seller.
도 1은 이 발명의 실시예에 따른 대출 방법이 실행되는 네트워크의 구성도이다.1 is a block diagram of a network in which a loan method according to an embodiment of the present invention is executed.
도 2는 이 발명의 실시예에 따른 대출 방법의 실행에 앞서 이루어지는 대출 실행을 위한 거래 준비 절차를 보여주는 플로우 차트이다.2 is a flowchart illustrating a transaction preparation procedure for loan execution performed prior to execution of the loan method according to an embodiment of the present invention.
도 3은 이 발명의 실시예에 따른 대출 방법에서 판매 정보를 수신하고 대출을 신청하는 단계를 보여주는 플로우 차트이다.3 is a flowchart illustrating the steps of receiving sales information and applying for a loan in the loan method according to an embodiment of the present invention.
도 4는 이 발명의 실시예에 따른 대출 방법에서 대출의 승인 여부를 판정하고 판정 결과를 전송하며 대출 승인된 대출 신청에 대하여 약정을 하는 단계를 보여주는 플로우 차트이다.4 is a flowchart showing the steps of determining whether to approve a loan, transmitting the determination result, and making an agreement for a loan application for approved loan in the loan method according to an embodiment of the present invention.
도 5는 이 발명의 실시예에 따른 대출 방법에서 대출이 실행되는 단계로부터 대출에 대한 상환이 이루어지는 단계를 보여주는 플로우 차트이다.5 is a flowchart illustrating a step in which repayment for a loan is made from a step in which a loan is executed in the loan method according to an embodiment of the present invention.
이하, 도면을 참조하여 이 발명에 따른 대출 방법의 바람직한 실시예를 설명한다.Hereinafter, a preferred embodiment of the loan method according to the present invention will be described with reference to the drawings.
도 1은 이 발명의 실시예에 따른 대출 방법이 구현되는 컴퓨터 네트워크 및 이 컴퓨터 네트워크에서 실행되는 대출 방법에 따른 대출 실행에서의 개략적인 정보의 흐름이 도시되어 있다. 1 shows a computer network in which a loan method according to an embodiment of the present invention is implemented and a schematic information flow in loan execution according to a loan method executed in the computer network.
이 발명의 실시예에 따른 대출 방법의 실행은, 온라인 상거래업체나 온라인 상거래업체가 운영하는 온라인 상거래 플랫폼이 아닌, 제3자인 중개자가 운영하는 중개 컴퓨터(10)를 매개로 하여 진행된다. 중개 컴퓨터(10)는 중개자가 직접 소유하고 운영하는 것일 수도 있으나, 중개자가 임대하여 사용하는 서버 장치와 데이터베이스 장치 및 전용선으로 이루어질 수 있다.Execution of the loan method according to the embodiment of the present invention is carried out through the mediation computer 10 operated by a third-party intermediary, not an online commerce company or an online commerce platform operated by the online commerce company. The intermediary computer 10 may be directly 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 on a lease.
또한, 중개 컴퓨터(10)는 중개자가 직접 운영할 필요는 없고 중개자의 위탁 하에 별도의 업체에 의해 유지 보수 등이 이루어질 수 있다.In addition, the intermediary computer 10 does not need to be directly operated by the intermediary, and maintenance and the like may be performed by a separate company under the consignment of the intermediary.
도 1에서 온라인 상거래업체가 운영하는 온라인 상거래 플랫폼이 탑재되는 플랫폼 컴퓨터(20)는 단일의 서버 컴퓨터로 구성되는 것으로 도시하고 있으나, 플랫폼 컴퓨터는 복수 대의 서로 연결되는 서버 장치, 정보 단말기 및 데이터 베이스 장치 등으로 구성될 수도 있다.In FIG. 1, the platform computer 20 on which the online commerce platform operated by the online commerce company is mounted is illustrated as being composed of a single server computer, but the platform computer includes a plurality of interconnected server devices, information terminals, and database devices. It may consist of etc.
플랫폼 컴퓨터(20)에는 온라인 상거래 플랫폼을 통하여 물품을 판매하고자 하는 복수의 판매자가 자신의 판매 상품에 관한 정보를 노출시키고 물품의 구매자가 접속하여 판매 물품에 관한 정보를 보고 물품을 선택하여 주문하고 물품 구매에 따른 대금을 결제하는 모듈이 마련되어 있다.In the platform computer 20, a plurality of sellers who want to sell goods through the online commerce platform expose information about their selling products, and a buyer of the goods accesses and views information about the goods to be sold, selects goods and places an order. There is a module to pay for the purchase.
플랫폼 컴퓨터(20)에는 각각의 판매자의 물품 판매 정보, 물품 판매에 따른 결제 정보, 판매가 이루어졌으나 소비자에 의한 반품으로 환불이 이루어져야 하는 반품 정보 등이 기록된다.In the platform computer 20, product sales information of each seller, payment information according to product sales, and return information for which a refund is required due to a return by a consumer after a sale has been made are recorded.
또한, 온라인 상거래 플랫폼을 통하여 물품 판매가 이루어지면 해당 상품 판매에 따른 판매 대금은 구매자로부터 또는 신용결제기관 등을 통하여 온라인 상거래업체의 금융기관 계좌로 입금된다.In addition, when a product is sold through an online commerce platform, the sales proceeds from the sale of the product are transferred to the account of the online commerce company's financial institution from the purchaser or through a credit payment institution.
온라인 상거래업체의 결제 정책 또는 판매자와의 계약 등에 따라 물품 판매 후에 일정한 시간이 경과한 후에 판매 대금으로 소정의 수수료를 제한 대금이 온라인 상거래업체로부터 판매자에게 지급되어 정산된다.According to the payment policy of the online commerce company or the contract with the seller, after a certain period of time has elapsed after the sale of the product, the sale price minus a predetermined commission is paid from the online commerce company to the seller and settled.
플랫폼 컴퓨터(10)에는 물품의 판매 정보와 더불어 판매 대금의 결제 정보와 정산 정보가 기록된다.In the platform computer 10, payment information and settlement information of the sale price are recorded along with the product sales information.
이러한 온라인 상거래 플랫폼 및 플랫폼 컴퓨터(20)의 구성은 다양하게 이루어질 수 있고 이미 널리 알려진 기술로서 구현되는 것이므로 이 명세서에서는 구체적으로 설명하지 아니한다.The configuration of the online commerce platform and the platform computer 20 may be variously made and will not be described in detail in this specification because it is implemented as a well-known technology.
한편, 중개 컴퓨터(10)는 어느 한 대의 컴퓨터 장치만을 의미하는 것은 아니고, 중개자가 운영하며 네트워크에 의해 서로 접속되어 정보를 송수신하는 복수 개의 서버 장치와 데이터베이스 장치 등으로 이루어져 있다.On the other hand, the intermediary computer 10 does not mean only one computer device, but consists of a plurality of server devices and database devices operated by an intermediary and connected to each other by a network to transmit and receive information.
중개 컴퓨터(10)는 시스템을 이루는 다수의 장치로 이루어지지만, 이하에서는 실시예의 구성과 작용을 설명하는 데 관련된 요소들에 대해서만 설명한다. The intermediary computer 10 is composed of a plurality of devices constituting the system, but only the elements related to describing the configuration and operation of the embodiment will be described below.
중개 컴퓨터(10)는 네트워크를 통하여 플랫폼 컴퓨터(20)에 접속하여 판매자에 대한 정보, 물품 판매와 그에 따른 판매 대금의 정보, 판매 대금에 대한 온라인 상거래업체로부터 판매자로의 정산 정보를 인출하거나 수신할 수 있다.The intermediary computer 10 accesses the platform computer 20 through the network to withdraw or receive information about the seller, information on the sale of goods and the resulting sale price, and settlement information from the online commerce company for the sale price to the seller. can
한편, 중개 컴퓨터(10)에는 웹 서버 장치(12)가 구비되어 있는데, 웹 서버 장치(12)를 통하여 중개 컴퓨터(10)에 속하지 않는 외부의 컴퓨터 장치, 즉 이 실시예에서는 판매자의 단말기(30)가 중개 컴퓨터(10)에 접속하여 중개 컴퓨터(10)가 제공하는 웹페이지를 통하여 중개 컴퓨터(10)가 제공하는 정보를 조회하거나 중개 컴퓨터(10)에 정보를 입력하거나 중개 컴퓨터(10)가 전송하는 이메일 또는 문자 메시지를 수신할 수 있다.On the other hand, the intermediary computer 10 is provided with a web server device 12, an external computer device that does not belong to the intermediary computer 10 through the web server device 12, that is, in this embodiment, the seller's terminal 30 ) accesses the intermediary computer 10 and inquires the information provided by the intermediary computer 10 through a web page provided by the intermediary computer 10, or inputs information into the intermediary computer 10, or the intermediary computer 10 You can receive emails or text messages that you send.
그러한 판매자 단말기(30)는 각각의 판매자의 담당자가 보유하는 스마트폰과 같은 휴대형 정보 단말기일 수도 있고, 각각의 판매자 기업 내부에서 사용하는 개인용 컴퓨터나 서버 컴퓨터일 수 있다.Such a seller terminal 30 may be a portable information terminal such as a smart phone held by the person in charge of each seller, or may be a personal computer or a server computer used inside each seller's company.
첨부 도면 및 이 명세서에서는 판매자 측에서 보유하고 운영하고 중개 컴퓨터(10), 플랫폼 컴퓨터(20) 및 은행 컴퓨터(40)에 접속 가능한 장치를 '판매자 단말기(30)'로 지칭한다.In the accompanying drawings and this specification, a device possessed and operated by the seller and connectable to the intermediary computer 10 , the platform computer 20 and the bank computer 40 is referred to as a 'seller terminal 30 '.
금융기관으로서의 은행의 컴퓨터(40)는 은행의 전산 시스템을 운영하는 컴퓨터이다. 은행에는 각각의 판매자의 계좌가 마련되어 있다. 은행 컴퓨터(40)에는 각각의 판매자의 은행 계좌를 관리하는 계좌 관리 시스템(42)이 마련되어 있고, 이 실시예에 따른 대출을 관리하고 실행하는 대출 관리 시스템(41)이 마련되어 있다.The computer 40 of the bank as a financial institution is a computer that operates the computer system of the bank. The bank has an account for each seller. The bank computer 40 is provided with an account management system 42 for managing each seller's bank account, and a loan management system 41 for managing and executing loans according to this embodiment is provided.
이러한 대출 관리 시스템(41)과 계좌 관리 시스템(42)은 하나의 컴퓨터에 서로 다른 소프트웨어 모듈로서 구현될 수도 있고, 은행 컴퓨터(40)를 이루는 별도의 하드웨어 장치로서 마련될 수도 있다.The loan management system 41 and the account management system 42 may be implemented as different software modules in one computer, or may be provided as separate hardware devices constituting the bank computer 40 .
은행 컴퓨터(40)는 단일의 컴퓨터 장치로 구성될 수도 있고, 서로 네트워크로 연결된 복수의 컴퓨터 장치 및 데이터베이스 장치로 구성될 수 있다.The bank computer 40 may be configured as a single computer device, or may be configured as a plurality of computer devices and database devices connected to each other in a network.
은행 컴퓨터(40)는 중개 컴퓨터(10)의 접속 서버(11)에 접속되어 중개 컴퓨터(10)와 이 실시예의 대출 방법에 따른 대출의 실행에 필요한 정보를 송수신한다. The bank computer 40 is connected to the connection server 11 of the intermediary computer 10 and transmits and receives information necessary for the execution of the loan according to the loan method of this embodiment with the intermediary computer 10.
또한, 은행 컴퓨터(40)에는 판매자 단말기(30)가 접속 가능하여, 판매자 단말기(30)가 대출 실행에 관한 정보를 수신하거나 판매자가 자신의 판매자 단말기(30)를 통하여 당해 은행에 개설된 자신의 계좌를 관리하거나 자금을 인출할 수 있다.In addition, the seller terminal 30 can be connected to the bank computer 40 , so that the seller terminal 30 receives information about loan execution or the seller opens his or her own bank account through the seller terminal 30 You can manage your account or withdraw funds.
한편, 이 실시예에서는 대출을 실행하는 금융기관으로서 은행을 들어 설명하지만, 대출을 실행하는 금융기관은 은행에 국한되지 않고 자금을 인출 및 입금하는 계좌를 운영하고 자금 대출을 실행하는 어떠한 유형의 금융기관도 포함하는 것이다. Meanwhile, in this embodiment, a bank is described as a financial institution that executes a loan, but a financial institution that executes a loan is not limited to a bank, operates an account for withdrawing and depositing funds, and any type of financial institution that executes a loan It also includes institutions.
이 실시예의 대출 방법에서는 어느 하나의 온라인 상거래 플랫폼에서 물품을 판매하는 판매자는 복수일 수 있고, 어느 하나의 판매자가 복수의 온라인 상거래 플랫폼에서 물품을 판매할 수 있다. 또한, 후술하는 대출을 실행하는 금융기관으로서의 은행 역시 복수 개의 은행일 수 있고, 판매자는 복수 개의 은행 중에서 자신이 대출을 받고자 하는 은행을 선택할 수 있다.In the loan method of this embodiment, there may be a plurality of sellers who sell goods on one online commerce platform, and any one seller may sell goods on a plurality of online commerce platforms. In addition, a bank as a financial institution that executes a loan, which will be described later, may also be a plurality of banks, and the seller may select a bank from which he/she wants to receive a loan from among the plurality of banks.
다만, 첨부 도면 및 이하의 설명에서는 설명의 편의에 따라 하나의 판매자, 하나의 온라인 상거래 플랫폼, 하나의 은행 사이에 대출이 이루어지는 것으로 도시하고 설명한다.However, in the accompanying drawings and the following description, it is illustrated and described that a loan is made between one seller, one online commerce platform, and one bank for convenience of explanation.
이하에서는 도 2를 참조하여 이 실시예에 따른 대출 방법의 실행에 앞서 이루어지는 대출 실행을 위한 거래 준비 단계에 대해 설명한다.Hereinafter, with reference to FIG. 2, a transaction preparation step for executing a loan performed prior to the execution of the loan method according to this embodiment will be described.
S1. 거래 준비 단계S1. Trade preparation steps
이 실시예에 따른 대출의 실행을 위한 거래 준비 단계로서 각각의 판매자에 대한 여신 정보가 은행 컴퓨터(40)에 기록된다.As a transaction preparation step for the execution of the loan according to this embodiment, credit information for each seller is recorded in the bank computer 40 .
중개 컴퓨터(10)는 각각의 플랫폼 컴퓨터(20)에 접속하여 각각의 판매자의 정보 및 온라인 상거래 플랫폼을 통한 일정 기간의 판매 정보를 수신한다(S1-1). 판매 정보에는 개별 물품에 대한 판매 기록, 당해 판매 기록에 따른 판매 대금, 판매 후에 구매자에 의한 반품 여부, 반품에 따른 환불 금액의 정보, 구매자가 지급한 판매 대금에 대하여 온라인 상거래업체가 판매자에게 정산을 하였는지 여부에 대한 정산 정보가 포함된다.The intermediary computer 10 accesses each platform computer 20 and receives information of each seller and sales information of a certain period through the online commerce platform (S1-1). Sales information includes sales records for individual items, sales price according to the sales records, whether or not the buyer returns after sales, information on the refund amount due to the return, and the online commerce company makes the settlement of the sales price paid by the buyer to the seller Settlement information on whether or not it was done is included.
이러한 각각의 판매자의 정보 및 판매 정보는 중개 컴퓨터(10)로부터 은행 컴퓨터(40)에 전송되어 기록된다(S1-2). Each of these seller information and sales information is transmitted from the intermediary computer 10 to the bank computer 40 and recorded (S1-2).
은행에서는 은행 컴퓨터(40)에 기록된 각각의 판매자의 판매 정보를 바탕으로 각각의 판매자에 대하여 대출 한도와 금리를 결정하고, 결정된 대출 한도와 금리를 여신 정보로서 은행 컴퓨터(40)에 저장한다(S1-3).The bank determines the loan limit and interest rate for each seller based on the sales information of each seller recorded in the bank computer 40, and stores the determined loan limit and interest rate in the bank computer 40 as credit information ( S1-3).
대출 한도 및 금리와 같은 여신 정보는 온라인 상거래업체의 신용도 및 판매자의 신용도 등에 따라 결정될 수 있고, 필요에 따라 판매자와 은행 담당자의 대면 접촉에 의한 상담 등을 기초로 하여 결정될 수 있다.Credit information such as loan limit and interest rate may be determined according to the creditworthiness of the online commerce company and the creditworthiness of the seller, and, if necessary, may be determined based on consultation through face-to-face contact between the seller and the person in charge of the bank.
다만, 판매자에 관하여 입력된 정보들, 예컨대, 판매 정보를 바탕으로 은행의 정책에 따라 정해지는 대출 한도와 금리가 은행 컴퓨터(40)에 의해 결정되고 기록될 수도 있다.However, the loan limit and interest rate determined according to the policy of the bank based on information input about the seller, for example, sales information, may be determined and recorded by the bank computer 40 .
은행 컴퓨터(40)에 기록된 여신 정보는 중개 컴퓨터(10)에 전송되거나 중개 컴퓨터(30)가 은행 컴퓨터(40)로부터 인출하여 각각의 판매자에 관한 여신 정보로서 기록된다(S1-4).The credit information recorded in the bank computer 40 is transmitted to the intermediary computer 10 or the intermediary computer 30 withdraws from the bank computer 40 and is recorded as credit information about each seller (S1-4).
판매자는 판매자 단말기(30)를 통하여 중개 컴퓨터(10) 또는 은행 컴퓨터(40)에 접속하여 자신의 여신 정보를 확인할 수 있다(S1-5).The seller may check his/her credit information by accessing the brokerage computer 10 or the bank computer 40 through the seller terminal 30 (S1-5).
이와 같이 이 실시예에 따른 대출 방법의 거래 준비 단계가 이루어진 후에 대출의 실행이 이루어진다. 다만, 이러한 거래 준비 단계는 일회의 절차로서 완료되는 것은 아니고, 새로운 온라인 상거래 플랫폼, 판매자 또는 금융기관이 이 실시에의 대출 방법을 이용하고자 하는 경우에 중개 컴퓨터(10)를 매개로 하여 이들 사이의 대출 거래가 실행될 수 있도록 거래 준비 단계가 새롭게 실행될 수 있다. In this way, after the transaction preparation step of the loan method according to this embodiment is made, the loan is executed. However, this transaction preparation step is not completed as a one-time procedure, and when a new online commerce platform, seller or financial institution wants to use the loan method in this embodiment, it is A transaction preparation step may be newly executed so that the loan transaction can be executed.
또한, 이미 이 실시예에 따른 대출 방법이 실현되고 있는 판매자나 금융기관에 대하여 거래 준비 단계의 갱신이 주기적으로 이루어질 수도 있다. 예컨대, 일년에 1회씩 특정 판매자에 대한 대출 한도와 금리를 포함한 여신 정보의 갱신이 이루어지고, 그러한 갱신은 앞서 설명한 절차를 통하여 이루어질 수 있다.In addition, the transaction preparation step may be periodically updated with respect to a seller or a financial institution that has already implemented the loan method according to this embodiment. For example, the credit information including the loan limit and interest rate for a specific seller is updated once a year, and such update may be performed through the procedure described above.
또한, 이러한 여신 정보의 갱신에 앞서, 금융기관 컴퓨터(40)로부터의 요청에 따라 또는 중개 컴퓨터(10)에 설정된 주기에 따라 중개 컴퓨터(10)가 플랫폼 컴퓨터(20)에 접속하여 판매자 별로 일정 기간의 판매 정보를 수신하여 기록하고, 은행 컴퓨터(40)에도 송신할 수 있다.In addition, prior to the update of such credit information, according to a request from the financial institution computer 40 or according to a cycle set in the intermediary computer 10, the intermediary computer 10 accesses the platform computer 20 for a certain period of time for each seller It can receive and record sales information of , and transmit it to the bank computer 40 .
은행 컴퓨터(40)는 중개 컴퓨터(10)로부터 수신한 갱신된 판매 정보에 따라 각각의 판매자에 대한 여신 정보를 갱신할 수 있다.The bank computer 40 may update credit information for each seller according to the updated sales information received from the intermediary computer 10 .
이하, 도 3을 참조하여 판매 정보를 수신하고 대출을 신청하는 단계를 설명한다Hereinafter, the steps of receiving sales information and applying for a loan will be described with reference to FIG. 3 .
S2. 판매 정보 수신 단계S2. Steps to receive sales information
거래 준비 단계(S1)에서 각각의 판매자에 대한 대출 한도와 금리가 결정되어 기록되면, 개별적인 대출이 실행될 수 있는 상태로 된다.When the loan limit and interest rate for each seller are determined and recorded in the transaction preparation step (S1), it is in a state in which individual loans can be executed.
대출 실행의 사전 단계로서, 중개 컴퓨터(10)는 플랫폼 컴퓨터(20)에 접속하여 각각의 판매자의 판매 정보를 수신하여 기록한다(S2-1). 이러한 판매자의 판매 정보에는 물품 판매 기록, 판매 대금, 정산 채권에 대한 정보가 포함된다. As a preliminary step of loan execution, the intermediary computer 10 accesses the platform computer 20 to receive and record sales information of each seller (S2-1). The seller's sales information includes information on product sales records, sales proceeds, and settlement receivables.
정산 채권이란, 물품의 판매가 이루어졌지만 온라인 상거래 플랫폼으로부터 판매자에게 소정의 수수료를 제한 판매 대금이 지급되지 않은 정산 대금에 대하여 판매자가 갖는 채권을 의미한다. The settlement bond refers to a bond held by the seller on the settlement price for which the sale of goods has been made, but the sale price is not paid, after deducting a predetermined fee from the online commerce platform to the seller.
이러한 정산 채권에 대한 정보는 중개 컴퓨터(10)가 플랫폼 컴퓨터(20)로부터 수신한 각 판매 대금에 대한 정산 여부의 정보를 통하여 특정할 수 있다.The information on these settlement bonds can be specified through the information on whether or not the brokerage computer 10 is settled for each sales price received from the platform computer 20 .
이와 같은 중개 컴퓨터(10)에 의한 판매 정보의 수신과 기록은 일정한 주기로 수시로 실행될 수 있고, 특히 특정 판매자에 대하여 은행에 의한 대출이 실행된 후에도 주기적으로 이루어져서, 대출 실행 후에 이루어진 물품의 판매 및 판매 대금에 대하여 정산이 이루어지지 않은 정산 금액을 바탕으로 당해 판매자에 대한 추가의 대출이 실행될 수 있게 된다.The reception and recording of sales information by the intermediary computer 10 may be executed at any time at a certain period, and in particular, it is periodically performed even after a loan by a bank to a specific seller is executed, so that the sale and sale proceeds of the product made after the execution of the loan An additional loan to the seller can be executed based on the settlement amount for which settlement has not been made.
또한, 어느 하나의 판매자는 복수의 온라인 상거래 플랫폼을 통하여 물품 판매를 할 수 있다. 따라서, 중개 컴퓨터(10)는 복수의 플랫폼 컴퓨터(20)로부터 수신한 판매 정보를 수신하고 수신한 정보를 판매자 별로 분류하여, 각각의 판매자의 판매 정보를 합산하여 각각의 판매자가 가지는 정산 채권의 전체 금액을 산정할 수 있다(S2-2).In addition, any one seller may sell goods through a plurality of online commerce platforms. Therefore, the intermediary computer 10 receives the sales information received from the plurality of platform computers 20, classifies the received information by seller, sums the sales information of each seller, and sums up the total amount of settlement bonds each seller has. The amount can be calculated (S2-2).
S3. 대출 신청 단계S3. Loan application steps
거래 준비 단계(S1)가 실행되고 중개 컴퓨터(10)에 의해 플랫폼 컴퓨터(20)로부터 판매자들에 대한 판매 정보 수신(S2)이 이루어지는 중에, 판매자에 의해 대출 신청이 이루어진다.A loan application is made by the seller while the transaction preparation step (S1) is executed and the sales information is received (S2) for the sellers from the platform computer 20 by the intermediary computer 10 .
판매자는 자신의 판매자 단말기(30)로 중개 컴퓨터(10)에 접속하여 자신의 판매 정보 및 여신 정보를 확인할 수 있다(S3-1). 판매자는 자신에 관한 판매 정보 중에서 중개 컴퓨터(10)에 의해 산출되어 기록된 정산 채권의 총액을 확인하고 자신에게 필요한 금액에 대한 대출 신청을 할 수 있다(S3-2). The seller can access the brokerage computer 10 with his seller terminal 30 to check his own sales information and credit information (S3-1). The seller may check the total amount of settlement receivables calculated and recorded by the intermediary computer 10 among the sales information about himself and apply for a loan for the amount necessary for himself (S3-2).
이 실시예의 대출 방법은 정산 채권에 기초하여 대출이 실행되는 것이므로, 판매자가 신청하는 대출 신청 금액은 정산 채권의 총액 또는 총액에 대한 소정 비율 및 여신 정보 상의 대출 한도를 초과할 수 없다. 이러한 정산 채권의 총액에 대한 대출 신청 금액의 소정 비율은 판매자의 반품 비율 등 정산 채권이 정상적으로 회수되지 못할 가능성을 고려하여 중개자 또는 은행에 의해 미리 산정되고 여신 정보의 하나로서 기록될 수 있다.Since the loan method of this embodiment is to perform a loan based on the settlement receivables, the loan application amount applied by the seller cannot exceed the loan limit on the total amount or the total amount of the settlement receivables and the loan limit on the credit information. A predetermined ratio of the loan application amount to the total amount of these settlement bonds may be calculated in advance by an intermediary or a bank in consideration of the possibility that the settlement bonds may not be normally collected, such as the return ratio of the seller, and recorded as one of the credit information.
판매자는 판매자 단말기(30)를 통하여 중개 컴퓨터(10)에 대출 신청 금액 및 대출 요청일을 포함한 대출 신청 정보를 입력하여 대출 신청을 하고, 입력된 대출 신청 정보는 중개 컴퓨터(10)에 기록된다(S3-3).The seller applies loan application information including the loan application amount and loan request date to the brokerage computer 10 through the seller terminal 30, and the input loan application information is recorded in the intermediary computer 10 ( S3-3).
판매자의 대출 신청에 대하여 대출이 가능한지 여부의 판정은 후술하는 대출 가능 판정 단계(S4)에서 대출을 실행하는 은행이 운영하는 은행 컴퓨터(40)에 의해 이루어지지만, 대출 승인 판정 단계(S4)에 앞서 중개 컴퓨터(10)에 의해 대출 가능 여부의 판정(S3-4)이 이루어진다.Determination of whether a loan is possible with respect to the loan application of the seller is made by the bank computer 40 operated by the bank executing the loan in the loan possibility determination step (S4) to be described later, but prior to the loan approval determination step (S4) Determination (S3-4) of whether a loan is possible by the intermediary computer 10 is made.
판매자 단말기(30)를 통한 대출 신청이 기록되면, 중개 컴퓨터(10)의 대출 관리 서버(14)는 웹서버(12)에 의해 데이터베이스(13)에 수록된 대출 신청의 정보를 추출하고, 대출 신청을 한 당해 판매자의 여신 정보 및 판매 정보와 대출 신청 정보를 대비한다.When the loan application through the seller terminal 30 is recorded, the loan management server 14 of the intermediary computer 10 extracts the information of the loan application recorded in the database 13 by the web server 12, and the loan application Compare the loan application information with the credit information and sales information of the seller concerned.
중개 컴퓨터(10)는, 판매자의 대출 신청 금액이 당해 대출 신청에 관한 정산 채권의 합계 금액에 대하여 소정 비율을 초과하거나 여신 정보 상의 대출 한도를 초과하는 경우에 대출 신청이 가능하지 않은 것으로 판정한다.The intermediary computer 10 determines that the loan application is not possible when the loan application amount of the seller exceeds a predetermined ratio with respect to the total amount of settlement receivables related to the loan application or exceeds the loan limit on the credit information.
중개 컴퓨터(10)는 대출 신청이 가능하지 않은 것으로 판정되면, 판정 결과를 판매자 단말기(30)에 전송하고(S3-5), 대출 신청이 가능한 것으로 판정하면, 판매자의 대출 신청 정보를 은행 컴퓨터(40)에 전송한다(S3-6).If it is determined that the loan application is not possible, the intermediary computer 10 transmits the determination result to the seller terminal 30 (S3-5), and when it is determined that the loan application is possible, the loan application information of the seller is transferred to the bank computer ( 40) (S3-6).
판매자는 판매자 단말기(30)를 통하여 중개 컴퓨터(10)로부터 대출 신청이 가능하지 않다는 판정 결과를 확인하면, 대출 신청 금액을 수정하여 다시 대출 신청 단계(S3-2)를 진행할 수 있다.When the seller confirms the result of the determination that the loan application is not possible from the intermediary computer 10 through the seller terminal 30 , the loan application amount may be corrected and the loan application step S3-2 may be performed again.
한편, 중개 컴퓨터(10)에 의한 대출 가능 여부의 판정 없이 판매자 단말기(30)로부터의 대출 신청의 정보가 중개 컴퓨터(10)에 기록되고 중개 컴퓨터에 의해 바로 은행 컴퓨터(40)로 전송되도록 구성될 수도 있다.On the other hand, the information of the loan application from the seller terminal 30 is recorded in the intermediary computer 10 without determining whether the loan is possible by the intermediary computer 10 and is configured to be transmitted directly to the bank computer 40 by the intermediary computer. may be
다음으로, 도 4를 참조하여 대출의 승인 여부를 판정하고, 판정 결과를 전송하며, 대출 승인된 대출 신청에 대하여 약정을 하는 단계를 설명한다.Next, with reference to FIG. 4, it is determined whether the loan is approved, the determination result is transmitted, and the steps of making a contract with respect to the loan application for which the loan is approved will be described.
S4. 대출 승인 판정 단계S4. Loan Approval Decision Stage
중개 컴퓨터(10)로부터의 대출 신청 정보가 은행 컴퓨터(40)로 전송되면, 은행 컴퓨터(40)는 대출 승인 여부에 대해 사전 판정을 한다(S4-1). 판매자가 기록한 대출 신청 금액이 당해 대출 신청에 관한 정산 채권의 합계 금액에 대하여 소정 비율을 초과하거나 여신 정보 상의 대출 한도를 초과하는 경우, 은행 컴퓨터(40)는 대출 신청이 가능하지 않은 것으로 사전 판정하고 사전 판정 결과를 기록한다.When the loan application information from the intermediary computer 10 is transmitted to the bank computer 40, the bank computer 40 makes a preliminary determination on whether to approve the loan (S4-1). If the loan application amount recorded by the seller exceeds a predetermined ratio with respect to the total amount of settlement receivables related to the loan application or exceeds the loan limit in the credit information, the bank computer 40 determines in advance that the loan application is not possible, Record the pre-judgment result.
은행의 대출 담당자는 은행 컴퓨터(40)를 통하여 대출 신청 정보와 사전 판정 결과를 확인하고 최종적으로 대출 승인 여부를 결정하여 승인 결과를 은행 컴퓨터(40)에 기록한다(S4-2).The loan officer of the bank checks the loan application information and the preliminary determination result through the bank computer 40, finally determines whether to approve the loan, and records the approval result in the bank computer 40 (S4-2).
단, 은행 컴퓨터(40)에 의한 대출 가능 여부에 대한 사전 판정과 기록 없이, 은행의 대출 담당자가 중개 컴퓨터(10)로부터 전송되어 은행 컴퓨터(40)에 기록된 대출 신청 정보와 당해 판매자의 판매 정보 및 여신 정보를 대비하여 은행 컴퓨터(40)에 의한 사전 판정에서와 같은 판정 요건에 따라 대출 가능 여부를 판정하고 판정 결과를 대출 관리 시스템(42)에 기록할 수도 있다.However, without prior determination and record on whether a loan is possible by the bank computer 40, the loan application information transmitted from the brokerage computer 10 and recorded in the bank computer 40 and the seller's sales information And in preparation for credit information, it is also possible to determine whether a loan is possible according to the same determination requirements as in the prior determination by the bank computer 40 , and record the determination result in the loan management system 42 .
다른 한편으로, 은행 담당자의 개입 없이 은행 컴퓨터의 대출 관리 시스템(42)에 의해 전술한 판정 요건을 충족하는지 여부를 판정하고, 이러한 판정 결과를 최종적인 대출 승인으로 취급할 수도 있다. On the other hand, it may be determined by the loan management system 42 of the bank computer whether or not the above-mentioned determination requirements are satisfied without the intervention of a bank officer, and this determination result may be treated as a final loan approval.
거래 준비 단계(S1)에서 특정의 판매자의 정보와 판매 정보가 중개 컴퓨터(10)를 통하여 은행 컴퓨터(40)에 기록되고, 소정의 대출 심사를 거쳐 대출 한도와 금리 등의 여신 정보가 결정되어 기록되어 있으므로, 당해 판매자에 의한 개별의 대출 신청은 앞서 설명한 소정의 대출 가능 요건을 충족하면 별도의 사람에 의한 심사 없이 은행 컴퓨터의 대출 관리 시스템(42)에서 요건 충족 여부를 판정하고 최종적인 대출 승인의 정보를 기록하는 것으로 처리할 수 있다.In the transaction preparation step (S1), the specific seller's information and sales information are recorded in the bank computer 40 through the intermediary computer 10, and credit information such as the loan limit and interest rate is determined and recorded through a predetermined loan examination. Therefore, if the individual loan application by the seller meets the predetermined loan availability requirements described above, the loan management system 42 of the bank computer determines whether the requirements are met and the final loan approval is not performed by a separate person. It can be processed by recording information.
S5 대출 승인 결과 전송 단계S5 Loan Approval Result Transmission Step
대출 승인의 정보가 기록되면, 은행 컴퓨터(40)는 대출 승인의 판정 결과를 중개 컴퓨터(10)에 전송하고(S5-1) 중개 컴퓨터(10)는 은행 컴퓨터(40)로부터 전송되는 판정 결과를 수신하여 기록하고 판매자 단말기(30)에 전송한다(S5-2).When the loan approval information is recorded, the bank computer 40 transmits the loan approval determination result to the intermediary computer 10 (S5-1), and the intermediary computer 10 receives the determination result transmitted from the bank computer 40 It is received, recorded, and transmitted to the seller terminal 30 (S5-2).
대출이 승인되지 않은 경우, 판매자는 판매자 단말기(30)를 통하여 당해 판정 결과를 확인하고, 다시 대출 신청 단계(S3-2)를 진행할 수 있다.If the loan is not approved, the seller may check the determination result through the seller terminal 30 and proceed to the loan application step (S3-2) again.
다른 한편으로, 은행 컴퓨터(40)가 대출 승인의 판정 결과를 중개 컴퓨터(10) 및 판매자 단말기(30)의 양측에 함께 전송하도록 구성할 수도 있다.On the other hand, the bank computer 40 may be configured to transmit the determination result of the loan approval to both sides of the intermediary computer 10 and the seller terminal 30 together.
S6 약정 단계S6 Commitment Steps
중개 컴퓨터(10)는 은행 컴퓨터(40)로부터 대출 승인의 판정 결과를 전송받으면, 대출 신청에 관하여 은행과 판매자 사이의 개별 대출에 관한 약정서를 생성한다(S6-1).When the intermediary computer 10 receives the determination result of the loan approval from the bank computer 40, it creates an individual loan agreement between the bank and the seller in relation to the loan application (S6-1).
판매자는 판매자 단말기(30)를 통하여 대출 승인의 결과를 확인하고, 판매자 단말기(30)를 통하여 중개 컴퓨터(10)에 접속하여 중개 컴퓨터(10)에 의해 생성된 약정서를 확인할 수 있다.The seller may check the result of loan approval through the seller terminal 30 , access the brokerage computer 10 through the seller terminal 30 , and check the contract created by the brokerage computer 10 .
판매자가 약정서를 확인하고, 판매자 단말기(30)와 중개 컴퓨터(10) 사이의 전자적인 인증 수단을 통하여 약정서에 약정의 표시를 한다(S6-2). 이렇게 약정의 표시가 된 약정서는 중개 컴퓨터(10)를 통하여 은행 컴퓨터(40)에 전송된다(S6-3).The seller confirms the contract, and displays the contract in the contract through the electronic authentication means between the seller terminal 30 and the intermediary computer 10 (S6-2). The contract with the indication of the contract is transmitted to the bank computer 40 through the intermediary computer 10 (S6-3).
다만, 대출 약정서의 작성에 관한 국가의 정책이나 관련 법령 또는 은행의 정책에 따라 온라인을 통한 대출 약정에 제한이 있는 경우에, 중개 컴퓨터(10)는 약정서를 생성하고, 중개인이 생성된 약정서를 출력하여 판매자에게 전달하고 판매자가 약정서에 약정의 표시를 하여 중개인을 통하여 또는 은행에 직접 제출할 수도 있다.However, if there is a restriction on the online loan agreement according to the national policy on the preparation of the loan agreement or the relevant laws or the bank policy, the brokerage computer 10 creates the agreement and the broker outputs the created agreement to the seller, and the seller may indicate the contract in the contract and submit it directly to the bank through an intermediary.
또한, 경우에 따라서는 앞서 설명한 바와 같이, 중개 컴퓨터(10)가 생성한 약정서에 전자적 인증 수단을 통하여 판매자가 약정의 표시를 하고, 중개 컴퓨터(10)가 약정의 표시가 된 약정서를 생성하고 출력하면, 중개인이 생성된 약정서를 은행에 제출하는 것으로 구성할 수도 있다.In addition, in some cases, as described above, the seller displays the contract through electronic authentication means in the contract created by the intermediary computer 10, and the intermediary computer 10 creates and outputs the contract with the indication of the contract This may consist of an intermediary submitting the created contract to the bank.
다른 한편으로, 국가의 정책이나 관련 법령 또는 은행의 정책에 따라 개별 대출의 실행을 위한 약정서의 작성이 필요하지 않을 수도 있다.On the other hand, it may not be necessary to draw up an agreement for the execution of an individual loan, depending on the policy of the country or the relevant laws and regulations or the policy of the bank.
거래 준비 단계(S1)에서 은행의 담당자가 특정 판매자에 대한 정보 및 판매 정보를 기초로 하여 대출 한도와 금리를 정하여 대출을 승인하는 경우, 특정의 정산 채권에 기초한 개별적인 대출 신청에 대해서는, 별도의 대출 약정이 없이, 대출 승인 판정 단계(S4)에서의 판정과 대출 승인 만으로 대출이 실행될 수 있다.In the transaction preparation step (S1), when the bank's manager approves a loan by setting the loan limit and interest rate based on information about a specific seller and sales information, for individual loan applications based on specific settlement receivables, a separate loan Without a contract, the loan may be performed only by the determination and loan approval in the loan approval determination step (S4).
다음으로, 도 5를 참조하여, 대출이 실행되는 단계로부터 대출에 대한 상환이 이루어지는 단계까지 설명한다.Next, with reference to FIG. 5, from the stage in which the loan is executed to the stage in which the repayment of the loan is made will be described.
S7 대출 실행 단계S7 Loan Execution Steps
은행 컴퓨터(40)는 중개 컴퓨터(10) 또는 판매자로부터 약정서를 수신하면(S6-4), 계좌 관리 시스템(41)을 통하여 대출 승인된 대출 신청 금액을 대출 신청 정보에 포함된 대출 요청일에 해당 판매자의 계좌에 지급하는 대출 실행을 하고(S7-1), 대출 실행 결과를 대출 관리 시스템(41)에 기록한다(S7-2).When the bank computer 40 receives the contract from the intermediary computer 10 or the seller (S6-4), the loan application amount approved for the loan through the account management system 41 corresponds to the loan request date included in the loan application information The loan execution is performed to pay the seller's account (S7-1), and the loan execution result is recorded in the loan management system 41 (S7-2).
S8 대출 실행 정보 전송 단계S8 Loan Execution Information Transmission Steps
대출 실행 결과가 기록되면, 은행 컴퓨터(40)는 대출 실행 결과를 중개 컴퓨터(10)에 전송하고(S8-1), 중개 컴퓨터(10)는 은행 컴퓨터(40)로부터 전송된 대출 실행 결과를 당해 판매자에 대한 대출 정보로서 기록하고(S8-2), 아울러 판매자 단말기(30)에 전송한다.When the loan execution result is recorded, the bank computer 40 transmits the loan execution result to the intermediary computer 10 (S8-1), and the intermediary computer 10 receives the loan execution result transmitted from the bank computer 40 It is recorded as loan information for the seller (S8-2), and also transmitted to the seller terminal 30.
한편, 이와 달리, 은행 컴퓨터(40)가 대출 실행 결과를 중개 컴퓨터(10) 및 판매자 단말기(30)의 양측에 모두 전송하도록 구성할 수도 있다.On the other hand, unlike this, the bank computer 40 may be configured to transmit the loan execution result to both sides of the intermediary computer 10 and the seller terminal 30 .
S9 결제 단계S9 Payment Steps
판매자에 대한 대출이 실행된 후에 판매자가 보유한 정산 채권에 대한 정산 대금이 지급되는 절차로서, 온라인 상거래 플랫폼은 플랫폼 컴퓨터(20)를 통하여 대출 실행이 된 당해 판매자의 정산 대금을 은행 컴퓨터의 계좌 관리 시스템(42)에 의해 운영되는 판매자의 입금 계좌에 입금한다.As a procedure in which the settlement price for the settlement bond held by the seller is paid after the loan to the seller is executed, the online commerce platform transfers the settlement amount of the seller whose loan has been executed through the platform computer 20 to the account management system of the bank computer (42) Deposits into the Seller's deposit account operated by.
정산 대금이 입금되는 판매자의 입금 계좌는 은행에 의해 대출이 실행되어 대출 신청 금액이 입금되는 판매자의 인출 계좌와는 서로 별개의 계좌이다.The deposit account of the seller to which the settlement amount is deposited is a separate account from the withdrawal account of the seller to which the loan application amount is deposited by the bank through which the loan is executed.
이 명세서에서 인출 계좌라는 용어는 대출 금액이 입금되는 계좌를 지칭하고 입금 계좌라는 용어는 정산 대금이 입금되는 계좌를 지칭하는 것일 뿐이고, 이들 계좌가 입금 전용 또는 인출 전용의 계좌라는 의미로 사용하는 것은 아니다.In this specification, the term withdrawal account refers to an account to which a loan amount is deposited, and the term deposit account merely refers to an account to which settlement money is deposited. not.
S10 상환 단계S10 Redemption Steps
온라인 상거래 플랫폼으로부터 정산 대금이 판매자의 입금 계좌에 입금되면(S9), 은행 컴퓨터(40)는 입금 사실을 확인하고(S10-1) 입금된 금액으로부터 정해진 상환 기일에 대출 금액과 이자 금액을 회수하여(S10-2)대출에 대한 상환이 이루어진다.When the settlement amount from the online commerce platform is deposited into the deposit account of the seller (S9), the bank computer 40 confirms the fact of the deposit (S10-1) and collects the loan amount and interest amount from the deposited amount on the set repayment date. (S10-2) Repayment of the loan is made.
이상으로 이 발명의 하나의 실시예에 따른 대출 방법 및 대출 방법의 구현을 위한 네트워크의 구성과 사전 준비 단계의 구성과 작동을 설명하였다.As described above, the configuration and operation of the network configuration and the pre-preparation step for implementing the loan method and the loan method according to an embodiment of the present invention have been described.
이상 설명한 실시예는 단지 이 발명이 구현되는 하나의 예를 설명하는 것일 뿐이며, 이 발명은 이러한 실시예에 국한되지 않고 청구범위에 기재한 범위 내에서 다양한 변형과 변경 및 구성의 부가가 가능하며, 그러한 변형과 변경 및 구성의 부가는 모두 이 발명의 권리범위에 속하는 것이다.The above-described embodiment merely describes one example in which this invention is implemented, and this invention is not limited to this embodiment, and various modifications, changes and additions of configuration are possible within the scope described in the claims, All such modifications and additions of modifications and configurations shall fall within the scope of the present invention.

Claims (11)

  1. 온라인 상거래 플랫폼에 입점한 판매자의 물품 판매에 대하여 온라인 상거래 플랫폼으로부터 물품의 판매 대금이 지급되지 않은 정산 채권에 기반하여 금융기관으로부터 판매자가 대출을 받는 것인, 정산 채권 기반의 대출 방법으로서, A loan method based on settlement bonds, in which the seller receives a loan from a financial institution based on the settlement bond for which the sale price of the goods is not paid from the online commerce platform with respect to the sale of goods by the seller who has entered the online commerce platform,
    온라인 상거래 플랫폼이 운영하고, 판매자의 정보 및 물품의 판매 정보와 물품의 판매 대금에 대한 정산 정보를 포함하는 거래 정보가 기록되는 플랫폼 컴퓨터, 대출 방법의 실행에 관하여 금융기관과 판매자 사이에서 대출 실행을 중개하는 중개업자가 운영하고, 플랫폼 컴퓨터에 접속하여 각각의 판매자의 정보 및 거래 정보를 수신하는 중개 컴퓨터; 중개 컴퓨터와 상호 접속 가능하고, 중개 컴퓨터로부터 판매자의 정보와 거래 정보를 수신하고 각각의 판매자에 대한 대출 한도와 금리를 포함하는 여신 정보가 기록되며, 대출 신청이 승인된 판매자에게 대출 금액을 지급하는 판매자의 인출 계좌를 운영하는 금융기관 컴퓨터, 및 판매자가 보유하고 중개 컴퓨터에 접속 가능한 판매자 단말기가 마련되는 것인, 거래 준비 단계;A platform computer operated by the online commerce platform, in which transaction information including seller information and sales information of goods and settlement information on the sale price of goods is recorded, and loan execution between financial institutions and sellers in relation to the execution of the loan method an intermediary computer operated by an intermediary intermediary and receiving information and transaction information of each seller by accessing the platform computer; Interconnectable with an intermediary computer, receiving seller information and transaction information from the intermediary computer, recording credit information including loan limits and interest rates for each seller, and disbursing loan amounts to sellers whose loan applications are approved A financial institution computer that operates a withdrawal account of the seller, and a seller terminal possessed by the seller and accessible to an intermediary computer are provided, a transaction preparation step;
    중개 컴퓨터가 플랫폼 컴퓨터에 접속하여 거래 정보를 수신하여 기록하는 것인, 정보 수신 단계;an information receiving step, wherein the intermediary computer accesses the platform computer to receive and record transaction information;
    판매자가 판매자 단말기를 통하여 중개 컴퓨터에 접속하여 정산 채권에 기초하여 대출받고자 하는 대출 신청 금액을 포함한 대출 신청 정보를 기록하고, 중개 컴퓨터가 대출 신청 정보를 금융기관 컴퓨터에 전송하는 것인, 대출 신청 단계; Loan application step, wherein the seller accesses the brokerage computer through the seller terminal, records loan application information including the loan application amount to be loaned based on the settlement receivables, and the brokerage computer transmits the loan application information to the financial institution computer ;
    중개 컴퓨터로부터의 대출 신청 정보의 전송에 따라 금융기관에서의 대출 심사에 따른 대출 승인의 판정 결과 또는 미리 정해진 판정 기준에 따른 금융기관 컴퓨터의 대출 승인의 판정 결과가 금융기관 컴퓨터에 기록되는 것인, 대출 승인 판정 단계;In accordance with the transmission of the loan application information from the intermediary computer, the determination result of the loan approval according to the loan examination in the financial institution or the determination result of the loan approval of the financial institution computer according to the predetermined criterion is recorded in the financial institution computer, Loan approval determination step;
    금융기관 컴퓨터가 대출 승인의 판정 결과를 중개 컴퓨터에 전송하고 중개 컴퓨터가 금융기관 컴퓨터로부터 전송되는 판정 결과를 판매자 단말기에 전송하거나 금융기관 컴퓨터가 대출 승인의 판정 결과를 중개 컴퓨터 및 판매자 단말기에 전송하는 것인, 대출 승인 결과 전송 단계; The financial institution computer transmits the decision result of loan approval to the intermediary computer, and the intermediary computer transmits the judgment result transmitted from the financial institution computer to the seller terminal, or the financial institution computer transmits the loan approval decision result to the intermediary computer and the seller terminal. That will, the loan approval result transmission step;
    대출 승인 결과 전송 단계 후에, 금융기관이 대출 신청 금액을 해당 판매자자의 입금 계좌에 지급하는 대출 실행을 하고 대출 실행의 결과가 금융기관 컴퓨터에 기록되는 것인, 대출 실행 단계; 및a loan execution step, wherein after the loan approval result transmission step, the financial institution executes a loan to pay the loan application amount to the deposit account of the seller, and the result of the loan execution is recorded in the financial institution computer; and
    금융기관 컴퓨터가 대출 실행의 결과를 중개 컴퓨터에 전송하고 중개 컴퓨터가 금융기관 컴퓨터로부터 전송되는 대출 실행의 결과를 판매자 단말기에 전송하거나 금융기관 컴퓨터가 대출 실행의 결과를 중개 컴퓨터 및 판매자 단말기에 전송하는 것인, 대출 실행 정보 전송 단계; The financial institution computer transmits the result of the loan execution to the intermediary computer, and the intermediary computer transmits the loan execution result transmitted from the financial institution computer to the seller terminal, or the financial institution computer transmits the result of the loan execution to the intermediary computer and the seller terminal Which, loan execution information transmission step;
    를 포함하는 것인, 정산 채권에 기초한 대출 방법. That comprising, a loan method based on the settlement bond.
  2. 청구항 1에 있어서, The method according to claim 1,
    상기 대출 신청 단계에서, 중개 컴퓨터는 판매자의 대출 신청이 가능한지 여부를 판정하여 대출 가능 여부에 대한 정보를 생성하고, 대출 가능으로 판정하면 금융기관 컴퓨터에 대출 신청 정보를 송신하는 것인, 정산 채권에 기초한 대출 방법. In the loan application step, the intermediary computer determines whether the seller's loan application is possible to generate information on whether the loan is possible, and if it is determined that the loan is possible, it transmits the loan application information to the computer of the financial institution. based loan method.
  3. 청구항 2에 있어서, 3. The method according to claim 2,
    상기 거래 준비 단계에서, 중개 컴퓨터는 금융기관 컴퓨터로부터 판매자에 대한 여신 정보를 수신하여 기록하고, In the transaction preparation step, the intermediary computer receives and records credit information for the seller from the computer of the financial institution,
    상기 대출 신청 단계에서, 중개 컴퓨터는, 판매자의 대출 신청 금액이 당해 대출 신청에 관한 정산 채권의 합계 금액에 대하여 소정 비율을 초과하거나 여신 정보 상의 대출 한도를 초과하는 경우에 대출 신청이 가능하지 않은 것으로 판정하는 것인, 정산 채권에 기초한 대출 방법. In the loan application step, the intermediary computer determines that the loan application is not possible if the loan application amount of the seller exceeds a predetermined ratio with respect to the total amount of settlement receivables related to the loan application or exceeds the loan limit in the credit information Loan method based on settlement bond that is to judge.
  4. 청구항 2에 있어서, 3. The method according to claim 2,
    중개 컴퓨터는 상기 대출 가능 여부에 대한 정보를 판매자 단말기에 전송하는 것인, 정산 채권에 기초한 대출 방법.The intermediary computer is to transmit information on whether the loan is possible to the seller terminal, a loan method based on the settlement bond.
  5. 청구항 1에 있어서, The method according to claim 1,
    대출 승인 판정 단계에서, 금융기관 컴퓨터는 판매자의 대출 신청 금액이 당해 대출 신청에 관한 정산 채권의 합계 금액에 대하여 소정 비율을 초과하거나 여신 정보 상의 대출 한도를 초과하는 경우에 대출 신청이 가능하지 않은 것으로 판정하고 판정 결과를 기록하는 것인, 정산 채권에 기초한 대출 방법. In the loan approval determination stage, the computer of the financial institution determines that the loan application is not possible if the loan application amount of the seller exceeds a predetermined ratio with respect to the total amount of settlement receivables related to the loan application or exceeds the loan limit in the credit information A loan method based on a settlement bond, wherein the judgment is made and the judgment result is recorded.
  6. 청구항 1에 있어서, The method according to claim 1,
    상기 대출 승인 결과 전송 단계와 대출 실행 단계 사이에, Between the loan approval result transmission step and the loan execution step,
    중개 컴퓨터가 대출 승인으로 판정된 대출 신청에 관하여 금융기관과 판매자 사이의 대출에 관한 약정서를 생성하고, 판매자는 생성된 약정서에 약정의 표시를 하여 금융기관에 전달하는 것인 약정 단계Agreement step in which the intermediary computer generates a loan agreement between a financial institution and a seller with respect to a loan application determined as loan approval, and the seller indicates the agreement in the created agreement and delivers it to the financial institution
    를 더 포함하는 것인, 정산 채권에 기초한 대출 방법.Which will further include, a loan method based on the settlement bond.
  7. 청구항 1에 있어서, The method according to claim 1,
    상기 대출 승인 결과 전송 단계와 대출 실행 단계 사이에, Between the loan approval result transmission step and the loan execution step,
    중개 컴퓨터가 대출 가능으로 판정된 대출 신청에 관하여 금융기관과 판매자 사이의 대출에 관한 약정서를 생성하고, 판매자는 판매자 단말기를 통하여 약정서에 약정의 표시를 하고 약정의 표시가 된 약정서는 중개 컴퓨터에 의해 금융기관 컴퓨터에 전송되는 것인 약정 단계The intermediary computer creates a loan agreement between the financial institution and the seller in relation to the loan application that is determined to be loanable, and the seller displays the agreement in the agreement through the seller terminal, Commitment phase, which is transmitted to the financial institution computer
    를 더 포함하는 것인, 정산 채권에 기초한 대출 방법.Which will further include, a loan method based on the settlement bond.
  8. 청구항 1에 있어서, The method according to claim 1,
    온라인 상거래 플랫폼이 대출 실행된 당해 판매자의 물품 판매에 따른 정산 대금을 금융기관의 컴퓨터가 운영하는 판매자의 입금 계좌에 입금하는 것인 결제 단계; 및a settlement step in which the online commerce platform deposits the settlement amount according to the sale of the seller's goods to which the loan is executed to the deposit account of the seller operated by the computer of the financial institution; and
    정산 대금이 입금 계좌에 입금되면, 금융기관 컴퓨터가 입금된 금액으로부터 정해진 기일에 대출 금액과 이자 금액을 회수하는 상환 단계When the settlement amount is deposited into the deposit account, the repayment step in which the computer of the financial institution collects the loan amount and interest amount from the deposited amount on a set date
    를 더 포함하는 것인, 정산 채권에 기초한 대출 방법.Which will further include, a loan method based on the settlement bond.
  9. 청구항 1에 있어서, The method according to claim 1,
    상기 거래 준비 단계는, The transaction preparation step is
    중개 컴퓨터가 플랫폼 컴퓨터에 접속하여 판매자의 정보 및 소정 기간의 거래 정보를 수신하는 수신 단계, 및 수신된 판매자의 정보 및 소정 기간의 거래 정보를 금융기관 컴퓨터에 전송하는 전송 단계 및 금융기관 컴퓨터가 전송된 정보를 기록하는 기록 단계를 더 포함하고, A receiving step in which the intermediary computer accesses the platform computer to receive the seller's information and transaction information for a predetermined period, and a transmission step of transmitting the received seller information and transaction information for a predetermined period to the financial institution computer, and the financial institution computer transmits Further comprising a recording step of recording the information,
    상기 여신 정보는 금융기관 컴퓨터에 기록되는 판매자의 정보 및 소정 기간의 거래 정보를 바탕으로 금융기관에 의해 결정되어 금융기관 컴퓨터에 기록되는 것인, 정산 채권에 기초한 대출 방법.The credit information is determined by a financial institution based on the seller's information and transaction information for a predetermined period recorded in the financial institution computer and recorded in the financial institution computer.
  10. 청구항 9에 있어서, 10. The method of claim 9,
    상기 수신 단계에서 중개 컴퓨터가 수신하는 거래 정보에는 판매자에 대하여 소정 기간에 발생한 각각의 판매 금액과 판매 금액 발생 후의 반품에 따른 환불 금액이 포함되는 것인, 정산 채권에 기초한 대출 방법.The transaction information received by the intermediary computer in the receiving step includes each sale amount generated for a predetermined period with respect to the seller and a refund amount according to a return after the sale amount is generated, a loan method based on settlement bonds.
  11. 청구항 1 내지 청구항 10 중 어느 하나의 청구항에 있어서, 11. The method according to any one of claims 1 to 10,
    상기 정보 수신 단계에서, In the step of receiving the information,
    중개 컴퓨터는 복수의 온라인 상거래 플랫폼의 각각의 플랫폼 컴퓨터에 접속하여 복수의 판매자에 대하여 각각의 판매자의 거래 정보를 수신하고, 각각의 플랫폼 컴퓨터로부터 수신된 정보를 수합하여 각각의 판매자애 대한 거래 정보로서 기록하는 것인, 정산 채권에 기초한 대출 방법.The intermediary computer accesses each platform computer of a plurality of online commerce platforms to receive transaction information of each seller with respect to a plurality of sellers, and collects the information received from each platform computer as transaction information for each seller. A loan method based on settlement bonds that records.
PCT/KR2020/016664 2020-09-25 2020-11-24 Method for receiving loan on basis of bond for settlement WO2022065588A1 (en)

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* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20090026383A (en) * 2007-09-10 2009-03-13 주식회사 국민은행 Electronic financial deal method and system for settling account using payment of goods received for loan of purchasing corporation credit to selling corporation recommended by purchasing corporation
KR20130139766A (en) * 2012-06-13 2013-12-23 엠앤서비스 주식회사 Loan service system based on accounts receivable in open market
KR20160072655A (en) * 2014-12-15 2016-06-23 주식회사 핑거 System and method for managing loan based on sale credit
KR20170128746A (en) * 2016-05-13 2017-11-23 현대카드 주식회사 Method for providing online seller of open market with financial service
KR20200042814A (en) * 2018-10-16 2020-04-24 주식회사 헬로핀테크 Card sales win-win managing and calculating system for small business owners

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Publication number Priority date Publication date Assignee Title
KR20090026383A (en) * 2007-09-10 2009-03-13 주식회사 국민은행 Electronic financial deal method and system for settling account using payment of goods received for loan of purchasing corporation credit to selling corporation recommended by purchasing corporation
KR20130139766A (en) * 2012-06-13 2013-12-23 엠앤서비스 주식회사 Loan service system based on accounts receivable in open market
KR20160072655A (en) * 2014-12-15 2016-06-23 주식회사 핑거 System and method for managing loan based on sale credit
KR20170128746A (en) * 2016-05-13 2017-11-23 현대카드 주식회사 Method for providing online seller of open market with financial service
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