WO2022065588A1 - Procédé de réception de prêt basé sur une caution pour le règlement - Google Patents

Procédé de réception de prêt basé sur une caution pour le règlement 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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English (en)
Korean (ko)
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박상순
이원득
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주식회사 핀투비
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Publication of WO2022065588A1 publication Critical patent/WO2022065588A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • 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.

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Abstract

La présente invention concerne un procédé de réception d'un prêt basé sur une caution pour le règlement dans lequel, par rapport à une vente d'un article par une entreprise vendeuse en exploitation dans une plateforme de transactions commerciales en ligne, le vendeur reçoit un prêt d'une institution financière en fonction d'une caution pour le règlement, pour lequel le prix de vente de l'article n'a pas été payé à partir de la plateforme de transaction commerciale en ligne. Le procédé de réception d'un prêt selon la présente invention comprend : une étape de préparation de transaction dans laquelle un ordinateur de plateforme exploité par une plateforme de transactions commerciales en ligne, un ordinateur de médiation exploité par un courtier qui effectue la médiation de l'exécution de prêt, un ordinateur d'institution financière permettant de faire fonctionner un compte de vendeur pour un retrait, sur lequel un montant de prêt est déposé, et un terminal de vendeur sont préparés ; une étape de réception d'informations dans laquelle l'ordinateur de médiation reçoit et enregistre des informations de transaction ; une étape de demande de prêt qui passe par le terminal de vendeur ; une étape de détermination d'accord de prêt dans laquelle le résultat d'une détermination de l'accord de prêt par l'ordinateur d'institution financière est enregistré dans l'ordinateur d'institution financière ; une étape de transmission de résultat d'accord de prêt dans laquelle le résultat de la détermination de l'accord de prêt est transmis ; une étape d'exécution de prêt ; et une étape de transmission d'informations d'exécution de prêt.
PCT/KR2020/016664 2020-09-25 2020-11-24 Procédé de réception de prêt basé sur une caution pour le règlement WO2022065588A1 (fr)

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KR10-2020-0125069 2020-09-25
KR20200125069 2020-09-25
KR1020200157432 2020-11-23
KR10-2020-0157432 2020-11-23

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Citations (5)

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