WO2022107953A1 - Loan method based on order for goods - Google Patents

Loan method based on order for goods Download PDF

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Publication number
WO2022107953A1
WO2022107953A1 PCT/KR2020/016666 KR2020016666W WO2022107953A1 WO 2022107953 A1 WO2022107953 A1 WO 2022107953A1 KR 2020016666 W KR2020016666 W KR 2020016666W WO 2022107953 A1 WO2022107953 A1 WO 2022107953A1
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WIPO (PCT)
Prior art keywords
loan
computer
distributor
financial institution
information
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PCT/KR2020/016666
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French (fr)
Korean (ko)
Inventor
박상순
이원득
이현욱
Original Assignee
주식회사 핀투비
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Publication of WO2022107953A1 publication Critical patent/WO2022107953A1/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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0633—Lists, e.g. purchase orders, compilation or processing
    • 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
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Definitions

  • the present invention relates to a loan method based on an order for goods, specifically, based on an order for goods, a distributor who purchases goods from a supplier and distributes them in the market requests the supplier to purchase the goods and receives a bill for the goods from the supplier. How to get a loan from a financial institution.
  • a distributor who distributes goods by selling goods to consumers or retailers purchases goods by ordering goods from a supplier such as a manufacturer or supplier of goods, paying for the goods, and then distributing the ordered goods to consumers or consumers. sell to retailers.
  • a distributor in order for a distributor to receive goods from a supplier and sell them, they first place an order for the goods, purchase the goods, and then pay the supplier with the proceeds from the sale of goods to consumers or retailers.
  • distributors such as car dealers or home appliance dealers order goods from the manufacturer, pay for the goods, receive the goods from the manufacturer, and then sell the goods to consumers or retail stores. to receive the sale proceeds.
  • the distributor has difficulty in managing funds because the payment time of the product price is earlier than the receipt time of the sales price, and the time gap between these times is large.
  • Korean Patent Publication No. 2009140 filed and registered by the applicant of this application discloses an invention entitled 'a method of redemption of trade receivables'
  • Korean Patent Publication No. 1791470 discloses an invention named 'a method of trading trade receivables'.
  • the invention of Document 1 discloses a method of receiving early repayment from a buyer by applying a discount to the amount of trade receivables with respect to trade receivables that a distributor has against a buyer.
  • the invention of Document 2 discloses a method in which a distributor transfers a trade receivable to a buyer to an assignee under the mediation of an intermediary, and receives a portion of the price of the trade receivable from the assignee at an early stage.
  • An object of the present invention is to provide a method for a distributor who purchases goods from a supplier and distributes them in the market to obtain a loan from a financial institution based on an order for goods that requests the supplier to purchase the goods and receives a bill for goods from the supplier.
  • the present invention is to provide a loan method in which direct judgment or intervention of a person such as a supplier, a distributor, or an employee of a financial institution is minimized and the main procedure of loan execution can be implemented by information exchange through a computer and a network.
  • the problem to be solved by the above-described invention is that a distributor who purchases goods from a supplier and distributes them in the market requests a supplier to purchase the goods and receives a bill for goods from a financial institution based on an goods order. is achieved by the loan method based on the order of the goods according to the present invention.
  • the loan method of this invention is,
  • a financial institution computer operated by the financial institution issuing the loan, interconnectable with the intermediary computer, receiving order information for goods from the intermediary computer and recording credit information including loan limits, interest rates and loan commitments to the distributor.
  • a distributor terminal possessed by the distributor and accessible to the intermediary computer is provided, a transaction preparation step;
  • the intermediary computer receives and records the information of the distributor and the product order information from the supplier computer or the distributor terminal;
  • loan application step in which the distributor accesses the intermediary computer through the distributor terminal, records the loan application for the amount to be paid to the supplier according to his/her product order, and the intermediary computer transmits the loan application information to the computer of the financial institution ;
  • 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 loan approval judgment result to the intermediary computer, and the intermediary computer transmits the judgment result transmitted from the financial institution computer to the distributor's terminal, or the financial institution computer sends the loan approval judgment result to the intermediary computer and the distributor's terminal. Transmitting, the loan approval result transmission step;
  • the financial institution computer executes the loan by depositing the loan application amount into the provider's account, and the result of the loan execution is recorded in the financial institution computer. That is, to include a loan execution step.
  • a distributor who orders goods from a supplier and distributes them in the market can receive a loan from a financial institution based on the order of the goods and settle the price for the goods accompanying the order of the goods.
  • the term 'order for goods' which is the basis of a loan, means, unless otherwise defined, a condition in which a buyer, a distributor, has expressed an intention to purchase goods, and the seller, a supplier, has consented to the sale of goods in response to such declaration, and , is not used to mean that the distributor has unilaterally expressed his intention to order the goods.
  • loan conditions such as the loan interest rate and loan limit to the distributor are determined and recorded in the computer of the financial institution and the intermediary computer as credit information.
  • order information is transmitted to the computer of the financial institution by the intermediary computer, and the loan application of the distributor is also transmitted to the computer of the financial institution by the intermediary computer.
  • the loan application of the distributor is transmitted to the intermediary computer through the distributor's terminal, and the intermediary computer transmits the information of the loan application to the computer of the financial institution to determine whether the loan is approved by the financial institution.
  • the financial institution approves the loan when the loan application meets the prescribed requirements, and the loan amount is paid to the supplier, not the distributor, as the product price, and the distributor pays the loan amount and interest to the financial institution Interest is paid and the principal of the loan is repaid.
  • the distributor can pay the product price to the supplier through a loan based on the product order before the distributor orders the product from the supplier and the sales price according to the sale of the ordered product is deposited.
  • the distributor can order a large amount of goods even when there is no financial capacity and pay the price for the goods to the supplier by the loan method according to the present invention.
  • the loan method of the present invention comprises:
  • the intermediary computer determines whether the loan application of the distributor 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.
  • the intermediary computer determines whether or not the distributor's loan application will be approved by the financial institution prior to the loan review or loan approval at the financial institution. In this case, the distributor can quickly re-apply for the loan by notifying the distributor first without forwarding the loan application to the computer of the financial institution.
  • the intermediary computer receives and records the credit information for the distributor from the financial institution computer, and in the loan application step, the intermediary computer must pay the distributor's loan application amount to the supplier according to the product order It may be configured to determine that the loan application is not possible if it exceeds a predetermined ratio of the amount to be paid or exceeds the loan limit on the credit information.
  • the intermediary computer may be configured to transmit information on whether the loan is possible to the distributor terminal.
  • the loan method of this invention comprises:
  • the loan approval determination step if the loan application amount of the distributor exceeds a predetermined ratio with respect to the amount to be paid to the supplier according to the product order or exceeds the loan limit in the credit information, the loan application is processed It may consist of determining that it is not possible and recording the judgment result, or storing the judgment result as data for loan review at a financial institution.
  • the loan is executed based on the order of the goods by the distributor. Therefore, if the amount of the ordered goods is confirmed and the amount of the ordered goods is compared with the credit limit of the seller, the loan approval is judged based on a relatively clear standard. can be done
  • the computer of the financial institution Since the computer of the financial institution records both the credit information and the product order information of the distributor, 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:
  • the intermediary computer generates an individual loan agreement between the financial institution and the distributor for the approved loan application, and the distributor displays the agreement in the generated individual loan agreement It may be configured to further include an arrangement step that is forwarded to the financial institution.
  • the intermediary computer generates an individual loan agreement between the financial institution and the distributor related to the approved loan, and the distributor displays the agreement in the individual loan agreement through the distributor terminal and the individual agreement marked with the agreement may be configured to further include an agreement step in which the individual agreement is transmitted to the computer of the financial institution by the intermediary computer.
  • the information is transmitted to an intermediary computer, and the intermediary computer generates a contract, which makes it difficult for the seller to visit the financial institution and fill out the loan agreement.
  • the procedure may be omitted.
  • the distributor can only distribute By accessing the intermediary computer through the user terminal, checking 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 credit information includes information on the date of interest payment and principal repayment for the executed loan and repayment account information operated by the computer of the financial institution where repayment of the executed loan is made,
  • the financial institution computer checks whether the deposit for the loan amount and the interest amount has been made from the distributor to the repayment account on the set date, and sends the information on the confirmed interest payment and loan principal repayment to the intermediary computer. To transmit, interest payment and principal repayment confirmation step; and
  • the loan application information includes information on the date of interest payment and repayment of the loan principal, and repayment account information operated by the computer of the financial institution where repayment of the executed loan is made,
  • the financial institution computer checks whether the interest amount and the loan principal have been deposited from the distributor to the repayment account on the specified date, and information on the confirmed interest payment and loan principal repayment to the intermediary computer To transmit, interest payment and principal repayment confirmation step;
  • confirmation and notification of repayment can be made by computers without the intervention of a financial institution or an intermediary.
  • the loan method of this invention comprises:
  • the loan agreement in the credit information includes the collateral agreement for the loan,
  • collateral agreement collateral for the deposit of the distributor, collateral for the goods held by the supplier among the goods ordered by the distributor, collateral for the ordered goods held by the distributor, and the supplier's supply cessation agreement to the distributor in case of failure to repay the loan Any one or more may be included.
  • this invention is made on the basis of an order for goods that a distributor has ordered from a supplier, as collateral for individual loans, stock items that are directly related to an order for goods in addition to the distributor, such as deposits from the distributor, or supply of goods from the supplier to the distributor It can be used as collateral.
  • the loan method of this invention comprises:
  • the intermediary computer In the recording step, when the intermediary computer receives the product order information from the distributor terminal, it transmits a message requesting confirmation of the authenticity of the product order information to the provider computer, and the product order information received from the provider computer in the loan application step is authentic.
  • a confirmation message When a confirmation message is received, it may be configured to register the loan application information received from the distributor's terminal in the intermediary computer and transmit it to the computer of the financial institution.
  • the loan method of the present invention comprises:
  • the financial institution computer transmits the loan execution result to the intermediary computer, and the intermediary computer transmits the loan execution result transmitted from the financial institution computer to the distributor's terminal, or the financial institution computer transmits the loan execution result to the intermediary computer and the distributor It can be configured to further include a loan execution information transmission step to be transmitted to the terminal.
  • 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 flow chart showing the pre-steps performed prior to the execution of the loan method according to the embodiment of the present invention.
  • FIG. 3 is a flowchart showing the steps of determining whether to approve a loan in the loan method according to an embodiment of the present invention, transmitting the determination result, and making an agreement for the loan approved loan application.
  • FIG. 4 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, and the step of transmitting and receiving information on whether or not repayment is made.
  • 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.
  • the loan method according to an embodiment of the present invention is not implemented by direct information exchange between a distributor who wants to receive a loan and a financial institution that executes the loan, but uses the intermediary computer 10 operated by a third-party intermediary. It is carried out as a medium.
  • 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. 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.
  • the intermediary computer 10 does not mean only one computer unit, but consists of a plurality of server units and database units 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.
  • provider computer 20 operated by the provider in FIG. 1 is illustrated as being composed of a single server computer, the provider computer may be composed of a plurality of interconnected server devices, information terminals, database devices, and the like.
  • order information in which the distributor orders the goods from the supplier is input.
  • the distributor prepares and sends an order form for the goods to the supplier, and the distributor prepares a bill for the price of the goods in response to the order and sends it to the distributor, and both the order form and the bill are input into the supplier computer 20 .
  • the input of such order information may be sent and received between the supplier and the distributor as the order form and the invoice are written in the form of paper documents, but in the distributor's computer (not shown) and the supplier computer 20 that the distributor terminal 30 can connect to. created by the computer and transmitted and received electronically over a network between these computers.
  • Orders and bills that are electronically created and transmitted and received are recorded and stored in the computer of the distributor and the computer of the supplier 20 .
  • the distributor prepares an order form through his/her computer, and the electronically written order form is sent to the supplier computer 20 through the distributor terminal 30, and the supplier confirms the order through the supplier computer 20,
  • a bill is created in the supplier computer 20 and sent to the distributor's computer through the distributor terminal 30 or directly.
  • this product order procedure does not necessarily have to be made between the distributor terminal 30 and the supplier computer 20, and information on the supplier, order information of each supplier, and information on each supplier in the supplier computer 20
  • the loan method of this embodiment can be implemented as only billing and sending information is recorded.
  • the intermediary computer 10 accesses the supplier computer 20 through the network to withdraw or receive information about the distributor, product order information according to the order form from the distributor, and information on the invoice issued according to the product order.
  • 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 distributor 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 distributor terminal 30 may be a portable information terminal such as a smart phone owned by the person in charge of each distributor, or may be a computer used inside each distributor's company.
  • a device possessed and operated by the distributor and connectable to the intermediary computer 10 , the supplier computer 20 and the bank computer 40 is referred to as a 'distributor 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 computer 40 is provided with an account management system 42 for managing each distributor's bank account, and a loan management system 41 for managing and executing loans according to this embodiment is provided.
  • the supplier account to which the loan amount is paid according to the execution of the loan method of this embodiment and the distributor account in which the principal and interest repayment of the distributor are made for the loan amount are provided, and are operated and managed by the account management system 42 of the bank computer do.
  • 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 connects 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 distributor terminal 30 is accessible to the bank computer 40 , so that the distributor terminal 30 receives information on loan execution or the distributor makes a loan to the repayment account of the distributor through the distributor terminal 30 .
  • the principal and interest can be repaid for the amount.
  • 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 executing a loan which will be described later, may also be a plurality of banks, and the distributor may select a bank to which he/she wants to receive a loan from among the plurality of banks.
  • the bank determines the loan limit and interest rate for each distributor and concludes a loan agreement
  • the determined loan limit, interest rate, loan agreement, and repayment date for principal and interest are stored in the bank computer 40 as credit information.
  • the repayment date for the principal and interest including the loan amount and interest does not mean a specific date, but means a certain period from the date the loan is executed.
  • the repayment date is determined and recorded in the transaction preparation stage as credit information, but only the limit of the repayment date is determined as the credit information, and in each loan application by the distributor, the distributor is interested within the limit of the repayment date It is also possible to select a repayment date including the payment of and the payment of the loan principal and record it in the intermediary computer 10 as information of the loan application.
  • a loan agreement includes a collateral agreement in addition to a determined loan limit and interest rate.
  • collateral agreement collateral for the deposit of the distributor, collateral for the goods held by the supplier among the goods ordered by the distributor, collateral for the ordered goods held by the distributor, and the supplier's supply cessation agreement to the distributor in case of failure to repay the loan Any one or more are included.
  • the distributor orders the goods from the supplier, the supplier accepts the order, issues an invoice, and even after the charge for the goods is paid to the supplier, the ordered goods are not delivered to the distributor and are being manufactured or distributed by the supplier or are being manufactured or distributed by the distributor or in the distributor's warehouse It may be loaded onto the back and in the hands of the distributor.
  • the bank will base the security on the goods in the possession of the supplier. This makes it possible to dispose of the goods.
  • credit conditions such as a loan limit, interest rate, or collateral agreement may be determined according to the creditworthiness of the distributor and the creditworthiness of the supplier in addition to the collateral.
  • the distributor may experience considerable difficulties in conducting business if the supplier does not supply the goods.
  • this supply cessation agreement is It can function as a means of guaranteeing debt performance by using its superior position.
  • the credit information recorded in the bank computer 40 is transmitted to the intermediary computer 10 or the intermediary computer 30 is withdrawn from the bank computer 40 and recorded as credit information for each distributor (S1-2).
  • information of each distributor is recorded in the intermediary computer 10 .
  • Distributor information may be recorded in the intermediary computer 10 through the distributor terminal 30 (S1-4) or the intermediary computer 10 may be received from the provider computer 20 and recorded.
  • Distributors may check their credit information by accessing the intermediary computer 10 or the bank computer 40 through the distributor terminal 30 (S1-3).
  • the loan is executed.
  • this transaction preparation step is not completed as a one-time procedure, and when a new supplier, distributor or financial institution wants to use the loan method of this embodiment, the loan transaction between them via the intermediary computer 10 is Transaction preparation steps may be newly executed so that they can be executed.
  • the transaction preparation step may be periodically updated for distributors or financial institutions that have already implemented the loan method according to this embodiment.
  • the credit information including the loan limit, interest rate, and collateral agreement for a specific distributor is updated once a year, and such renewal may be performed through the procedure described above.
  • the intermediary computer 10 accesses the supplier computer 20 to receive and record information and order information of each distributor.
  • Such distributor's order information includes the list of goods on the order sent from the distributor to the supplier, the price of the goods, and information on the invoice issued by the supplier to the distributor.
  • 'goods order' which is treated as 'order information', does not mean that the distributor sent an order form to the supplier and unilaterally expressed his intention to purchase the product. In response to the declaration of intention, it means that the supplier has agreed to supply the goods and issued a bill.
  • Reception and recording of order information by such an intermediary computer 10 are frequently performed at regular intervals.
  • this recording step (S2) is not executed periodically, but may be executed by the intermediary computer 10 when the loan application information is input from the distributor terminal 30 connected to the intermediary computer 10 .
  • the reception and recording of the order information may be configured to be made from the distributor side.
  • the distributor accesses the brokerage computer 10 through the distributor terminal 30 and transmits the invoice for the product order received from the supplier and the order book issued by him/her to the brokerage computer 10 as order information.
  • the intermediary computer 10 When the intermediary computer 10 receives the order information from the distributor terminal 30 , it transmits a message confirming the authenticity of the order information together with the order information to the supplier computer 20 .
  • a loan application is made by the distributor while the transaction preparation step (S1) is executed and the order information is received (S2) from the supplier computer 20 or from the distributor terminal 30 by the intermediary computer 10 .
  • the distributor can access the brokerage computer 10 through the distributor terminal 30 and check his own order information recorded in the brokerage computer 10 (S3-1).
  • the distributor applies for a loan for the amount necessary for himself with respect to his order information recorded in the intermediary computer 10 (S3-2).
  • the distributor applies for a loan by inputting loan application information including the loan application amount to the intermediary computer 10 through the distributor 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 distributor is made by the bank computer 40 operated by the bank executing the loan in the loan approval 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 records the information of the loan application (S3-3), extracts order information, and applies for the loan Prepare the borrower's credit information, order information, and loan application information (S3-4).
  • the loan is executed based on the order of the item from the distributor, so the loan application amount applied by the distributor may exceed the loan limit on the loan information and the predetermined ratio of the product price or product price of the product order. none.
  • a predetermined ratio of the loan application amount to the product price may be calculated in advance by the bank in consideration of interest accrued on the loan and recorded as one of the credit information.
  • the intermediary computer 10 determines that the loan application is not possible when the loan application amount of the distributor exceeds a predetermined ratio with respect to the product price on the order information for the loan application or exceeds the loan limit on the credit information.
  • the intermediary computer 10 If it is determined that the intermediary computer 10 is not able to apply for a loan, it transmits the determination result to the distributor terminal 30 and the distributor terminal 30 receives it (s3-5), and if it is determined that the loan application is possible , by transmitting the loan application information of the distributor to the bank computer 40 is received by the bank computer (S3-6).
  • the distributor confirms the result of the determination that the loan application is not possible from the intermediary computer 10 through the distributor terminal 30, the loan application amount may be corrected and the loan application step S2 may be performed again.
  • the information of the loan application from the distributor 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 directly transmitted to the bank computer 40 by the intermediary computer 10 it might be
  • the intermediary computer 10 sends a reply from the supplier computer 20 that the order information is genuine.
  • the loan application information received from the distributor terminal 30 is registered in the relay computer 10 and transmitted to the financial institution computer 40 .
  • the intermediary computer 10 When the intermediary computer 10 receives a reply from the supplier computer 20 that the order information is erroneous or false, it transmits a message to the distributor computer 30 stating that the loan application is not possible due to an error in the order information.
  • the distributor can check the message through the distributor computer 30, modify the order information, transmit it to the broker computer 10, and resume the loan application.
  • the bank computer 40 makes a decision on whether to approve the loan (S4-1). If the loan application amount recorded by the distributor exceeds a predetermined ratio with respect to the product price in the order information for the loan application or exceeds the loan limit in the credit information, the bank computer 40 determines that the loan application is not possible and determines Record the results.
  • 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).
  • loan information such as the loan limit, interest rate, and collateral agreement is provided through a predetermined loan examination. Since it is determined and recorded, individual loan applications by the distributor meet the above-mentioned predetermined loan availability requirements, the loan management system 42 of the bank computer determines whether the requirements are met, and the final It can be processed by recording the information of the loan approval.
  • 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 and recorded and transmitted to the distributor terminal 30 (S5-2).
  • the distributor may check the determination result through the distributor 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 distributor 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 distributor in relation to the loan application (S6-1).
  • the distributor can check the result of loan approval through the distributor terminal 30 , and can check the contract created by the intermediary computer 30 by accessing the intermediary computer 10 through the distributor terminal 30 .
  • the distributor confirms the agreement, and displays the agreement in the agreement through the electronic authentication means between the distributor 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 distributor, and the distributor may indicate the agreement in the agreement and submit it directly to the bank through a broker or directly.
  • the distributor displays the contract through the 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 bank's manager approves the loan by setting the loan limit and interest rate based on the information on the specific distributor and the sales information, for individual loan applications based on specific product orders, a separate Without a loan agreement, the loan can be executed only by the determination and loan approval in the loan approval determination step (S4).
  • the bank computer 40 When the bank computer 40 receives the contract from the intermediary computer 10 or the distributor (S6-4), the loan application amount approved for the loan through the account management system 41 at the time of payment of the product price included in the order information to execute a loan to be deposited in the provider's account (S7-1), and record the loan execution result 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 distributor (S8-2), and also transmitted to the distributor 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 distributor terminal 30 .
  • the distributor accesses the bank computer 40 through the distributor terminal 30 before the repayment date of the loan and repays the loan by depositing the loan amount and interest in the loan repayment account (S9-1) .
  • the credit information of each distributor recorded in the intermediary computer 10 and the bank computer 40 includes information on the date of interest payment and principal repayment for the executed loan, and the repayment of the executed loan is made to the computer of the financial institution. Reimbursement account information operated by the company is included.
  • the financial institution computer 40 checks whether the interest amount and the loan principal have been deposited from the distributor to the repayment account on the repayment date on the credit information or after the repayment date has elapsed (S9-2), and the confirmed interest payment and Information on whether the principal is repaid or not is transmitted to the relay computer (S9-3).
  • the relay computer 10 receives and records information on whether interest payment and principal repayment from the financial institution computer 40 (S10-1), and pays interest and repayment of principal to the provider computer 20 and the distributor terminal 30 Information on whether or not is transmitted as a message (S10-2).
  • the intermediary computer 10 displays interest payment and principal repayment information on the distributor terminal 30 connected to the intermediary computer 10 in addition to transmitting the message.

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Abstract

The present invention relates to a loan method based on an order for goods, according to the present invention, in which a distributor who purchases goods from a supplier and distributes the goods on the market receives a loan from a financial institution on the basis of an order for goods, in which the distributor requests the supplier to purchase the goods and receives an invoice for the goods from the supplier. The loan method according to the present invention comprises: a transaction preparation step in which a supplier computer operated by a supplier, a mediation computer operated by a mediator for loan execution, a financial institution computer operated by a financial institution executing a loan, and a distributor terminal owned by a distributor are provided; a recording step in which the mediation computer receives and records goods order information; a loan application step in which the distributor records a loan application; a loan approval determination step in which loan approval is determined according to a loan examination by the financial institution; a loan approval result transmission step in which the result of determining the loan approval is transmitted to the mediation computer and the distributor terminal; and a loan execution step in which the financial institution computer executes the loan and the result of executing the loan is recorded on the financial institution computer.

Description

물품 주문 기반의 대출 방법Loan method based on order of goods
이 발명은 물품 주문을 기반으로 하는 대출 방법에 관한 것으로서, 구체적으로는 공급자로부터 물품을 구매하여 시장에 유통하는 유통자가 공급자에게 물품 구매를 요청하고 공급자로부터 물품 대금 청구서를 수령하는 물품 주문에 기초하여 금융기관으로부터 대출을 받는 방법에 관한 것이다.The present invention relates to a loan method based on an order for goods, specifically, based on an order for goods, a distributor who purchases goods from a supplier and distributes them in the market requests the supplier to purchase the goods and receives a bill for the goods from the supplier. How to get a loan from a financial institution.
물품을 소비자 또는 소매업자에 판매하여 물품을 유통시키는 유통자는 물품의 제조업체 또는 물품의 공급업체 등의 공급자에 물품을 주문하고 물품 대금을 지급하여 물품을 구매한 후에, 주문하여 공급받은 물품을 소비자나 소매업자에게 판매한다.A distributor who distributes goods by selling goods to consumers or retailers purchases goods by ordering goods from a supplier such as a manufacturer or supplier of goods, paying for the goods, and then distributing the ordered goods to consumers or consumers. sell to retailers.
유통자가 공급자로부터 물품을 공급받아 판매하기 위해서는 우선 물품 주문을 하여 물품을 구매한 후에, 소비자나 소매업자에게 물품을 판매한 판매 대금으로 공급자에게 대금을 지급하는 경우도 있다.In some cases, in order for a distributor to receive goods from a supplier and sell them, they first place an order for the goods, purchase the goods, and then pay the supplier with the proceeds from the sale of goods to consumers or retailers.
그러나, 자동차나 가전제품 등과 같은 대부분의 물품의 경우에는, 자동차 딜러나 가전제품 대리점 등의 유통자가 제조사에 물품을 주문하고 물품 대금을 지급하여 제조사로부터 물품을 공급받은 후에 소비자나 소매점 등에 물품을 판매하여 판매 대금을 받는다.However, in the case of most goods such as automobiles and home appliances, distributors such as car dealers or home appliance dealers order goods from the manufacturer, pay for the goods, receive the goods from the manufacturer, and then sell the goods to consumers or retail stores. to receive the sale proceeds.
따라서, 유통자는 판매 대금의 수령 시기보다 물품 대금의 지급 시기가 앞서고, 이들 시기 사이의 시간 간극이 크기 때문에 자금 운용에 어려움이 있다.Therefore, the distributor has difficulty in managing funds because the payment time of the product price is earlier than the receipt time of the sales price, and the time gap between these times is large.
특히, 자동차나 가전제품과 같이 고가의 물품을 유통하는 경우에는 공급자에게 지불하는 물품 대금의 금액이 크므로, 자금의 여유가 없는 유통자로서는 물품 대금의 지급을 위해 금융기관으로부터 대출을 받아야 하는 경우도 있다.In particular, in the case of distributing expensive goods such as automobiles or home appliances, the amount of goods paid to the supplier is large. there is also
그러나, 유통자는 제조사와 같은 공급자에 비해 규모가 작아서 신용도가 낮고 부동산이나 예금과 같은 담보물의 확보도 용이하지 않기 때문에 금융기관으로부터 대출을 받기 어렵거나 대출을 받더라도 낮은 신용도로 인하여 높은 금리가 적용되는 경우가 많다.However, if a distributor has a smaller scale than a supplier such as a manufacturer, it has low creditworthiness and it is difficult to secure collateral such as real estate or deposits, so it is difficult to obtain a loan from a financial institution, or if a high interest rate is applied due to low creditworthiness there are many
물품의 판매자가 판매 물품에 대한 구매자로부터의 물품 대금의 지급이 지연되어 자금 운용 상의 어려움을 겪는 경우에 대한 해결책으로서, 이 출원의 출원인에 의한 출원되고 등록된 대한민국 특허공보 제2009140호(문헌 1)에서는 '매출채권의 상환 방법'이라는 명칭의 발명을 개시하고, 대한민국 특허공보 제1791470호(문헌 2)에서는 '매출채권의 거래 방법'이라는 명칭의 발명을 개시한다.As a solution to a case in which the seller of goods experiences difficulties in managing funds due to delay in payment of the goods price from the buyer for the goods for sale, the Korean Patent Publication No. 2009140 filed and registered by the applicant of this application (Document 1) discloses an invention entitled 'a method of redemption of trade receivables', and Korean Patent Publication No. 1791470 (Document 2) discloses an invention named 'a method of trading trade receivables'.
문헌 1의 발명에서는 유통자가 구매자에 대해 갖는 매출채권에 대하여 매출채권의 금액에 대해 할인을 적용하여 구매자로부터 조기 상환을 받는 방법을 개시한다. The invention of Document 1 discloses a method of receiving early repayment from a buyer by applying a discount to the amount of trade receivables with respect to trade receivables that a distributor has against a buyer.
또한, 문헌 2의 발명에서는 유통자가 구매자에 대해 갖는 매출채권을 중개자의 중개 하에 양수인에게 양도하고 양수인으로부터 매출채권의 대금 일부를 조기에 상환받는 방법을 개시한다.In addition, the invention of Document 2 discloses a method in which a distributor transfers a trade receivable to a buyer to an assignee under the mediation of an intermediary, and receives a portion of the price of the trade receivable from the assignee at an early stage.
그러나, 이러한 방법들은 모두 물품의 판매자가 구매자에 대해 갖는 매출채권에 기초하여 물품의 판매 대금을 조기에 자금을 상환받는 방법에 관한 것이고, 이들 방법들은 공급자로부터 물품을 구매하는 구매자의 입장에 있는 유통자가 공급자에게 지불할 금액을 미리 확보하거나 물품 대금을 지급하기 위한 방법으로서는 이용될 수 없다.However, all of these methods relate to a method in which the seller of the goods is repaid with money in an early stage based on the trade receivables that the seller of the goods has against the buyer, and these methods are distribution in the position of the buyer who purchases the goods from the supplier. It cannot be used as a method to secure the amount to be paid to the supplier in advance or to pay for the goods.
이 발명은 공급자로부터 물품을 구매하여 시장에 유통하는 유통자가 공급자에게 물품 구매를 요청하고 공급자로부터 물품 대금 청구서를 수령하는 물품 주문에 기초하여 금융기관으로부터 대출을 받는 방법을 제공하려는 것이다.An object of the present invention is to provide a method for a distributor who purchases goods from a supplier and distributes them in the market to obtain a loan from a financial institution based on an order for goods that requests the supplier to purchase the goods and receives a bill for goods from the supplier.
특히, 이 발명은 공급자나 유통자 또는 금융기관의 종사자와 같은 사람의 직접적인 판단이나 개입이 최소화되고 대출 실행의 주요한 절차가 컴퓨터와 네트워크를 통한 정보 교환에 의해 구현 가능한 대출 방법을 제공하려는 것이다.In particular, the present invention is to provide a loan method in which direct judgment or intervention of a person such as a supplier, a distributor, or an employee of a financial institution is minimized and the main procedure of loan execution can be implemented by information exchange through a computer and a network.
전술한 이 발명이 해결하고자 하는 과제는, 과제는, 공급자로부터 물품을 구매하여 시장에 유통하는 유통자가 공급자에게 물품 구매를 요청하고 공급자로부터 물품 대금 청구서를 수령하는 물품 주문에 기초하여 금융기관으로부터 대출을 받는 것인 이 발명에 따른 물품 주문 기반의 대출 방법에 의해 달성된다.The problem to be solved by the above-described invention is that a distributor who purchases goods from a supplier and distributes them in the market requests a supplier to purchase the goods and receives a bill for goods from a financial institution based on an goods order. is achieved by the loan method based on the order of the goods according to the present invention.
이 발명의 대출 방법은, The loan method of this invention is,
공급자가 운영하고, 유통자의 정보, 물품 주문 정보가 기록되는 공급자 컴퓨터; 대출 방법의 실행에 관하여 공급자, 유통자 및 금융기관 사이에서 대출 실행을 중개하는 중개자가 운영하는 중개 컴퓨터; 대출을 실행하는 금융기관이 운영하고, 중개 컴퓨터와 상호 접속 가능하며, 중개 컴퓨터로부터 물품의 주문 정보를 수신하고 유통자에 대한 대출 한도, 금리 및 대출 약정을 포함하는 여신 정보가 기록되는 금융기관 컴퓨터, 및 유통자가 보유하고 중개 컴퓨터에 접속 가능한 유통자 단말기가 마련되는 것인, 거래 준비 단계;a supplier computer operated by the supplier, in which distributor information and product order information are recorded; an intermediary computer operated by an intermediary for intermediary loan execution between suppliers, distributors and financial institutions with respect to the execution of the loan method; A financial institution computer operated by the financial institution issuing the loan, interconnectable with the intermediary computer, receiving order information for goods from the intermediary computer and recording credit information including loan limits, interest rates and loan commitments to the distributor. , and a distributor terminal possessed by the distributor and accessible to the intermediary computer is provided, a transaction preparation step;
중개 컴퓨터가 공급자 컴퓨터 또는 유통자 단말기로부터의 유통자의 정보 및 물품 주문 정보를 수신하여 기록하는 것인, 기록 단계;a recording step, wherein the intermediary computer receives and records the information of the distributor and the product order information from the supplier computer or the distributor terminal;
유통자가 유통자 단말기를 통하여 중개 컴퓨터에 접속하여 자신의 물품 주문에 따라 공급자에게 지불하는 금액에 대한 대출 신청을 기록하고, 중개 컴퓨터가 대출 신청 정보를 금융기관 컴퓨터에는 전송하는 것인, 대출 신청 단계; Loan application step, in which the distributor accesses the intermediary computer through the distributor terminal, records the loan application for the amount to be paid to the supplier according to his/her product order, and the intermediary computer transmits the loan application information to the computer of the financial institution ;
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 컴퓨터는 금융기관 컴퓨터로부터 전송되는 판정 결과를 유통자 단말기에 전송하거나 금융기관 컴퓨터가 대출 승인의 판정 결과를 중개 컴퓨터 및 유통자 단말기에 전송하는 것인, 대출 승인 결과 전송 단계; 및The financial institution computer transmits the loan approval judgment result to the intermediary computer, and the intermediary computer transmits the judgment result transmitted from the financial institution computer to the distributor's terminal, or the financial institution computer sends the loan approval judgment result to the intermediary computer and the distributor's terminal. Transmitting, the loan approval result transmission step; and
금융 기관 컴퓨터가 대출 승인된 대출 신청에 관한 물품 주문에 대하여 유통자가 공급자에게 대금을 지불하는 시점에 공급자의 계좌에 대출 신청된 금액을 입금하여 대출을 실행하고 대출 실행 결과가 금융기관 컴퓨터에 기록되는 것인, 대출 실행 단계를 포함하는 것이다.At the time when the distributor pays the supplier for the product order related to the loan application for which the loan application is approved, the financial institution computer executes the loan by depositing the loan application amount into the provider's account, and the result of the loan execution is recorded in the financial institution computer. That is, to include a loan execution step.
이와 같은 이 발명의 대출 방법에 따르면, 공급자에게 물품을 주문하여 시장에 유통하는 유통자는 물품의 주문에 기초하여 금융기관으로부터 대출을 받아서 물품의 주문에 수반하는 물품 대금을 결제할 수 있게 된다.According to the loan method of the present invention as described above, a distributor who orders goods from a supplier and distributes them in the market can receive a loan from a financial institution based on the order of the goods and settle the price for the goods accompanying the order of the goods.
이 명세서에서 대출의 기초가 되는 '물품 주문'이란 용어는 달리 정의하지 않는 한, 구매자인 유통자가 물품 구매의 의사 표시를 하고 그러한 의사 표시에 판매자인 공급자가 물품 판매의 승낙을 한 상태를 의미하고, 단지 유통자가 물품 주문의 일방적인 의사 표시를 한 것을 의미하는 것으로 사용하지 않는다.In this specification, the term 'order for goods', which is the basis of a loan, means, unless otherwise defined, a condition in which a buyer, a distributor, has expressed an intention to purchase goods, and the seller, a supplier, has consented to the sale of goods in response to such declaration, and , is not used to mean that the distributor has unilaterally expressed his intention to order the goods.
대출 신청 및 대출 실행에 앞서 금융기관과 유통자 사이에는 포괄적인 대출 약정이 이루어지고, 유통자에 대한 대출 금리와 대출 한도와 같은 대출 조건이 결정되어 여신 정보로서 금융기관 컴퓨터와 중개 컴퓨터에 기록된다.Before applying for a loan and executing a loan, a comprehensive loan agreement is made between the financial institution and the distributor, and loan conditions such as the loan interest rate and loan limit to the distributor are determined and recorded in the computer of the financial institution and the intermediary computer as credit information. .
유통자에 의한 물품의 주문이 이루어진 후에 주문 정보는 중개 컴퓨터에 의해 금융기관의 컴퓨터에 전달되고, 유통자의 대출 신청 역시 중개 컴퓨터에 의해 금융기관 컴퓨터에 전달된다.After an order for goods is made by the distributor, order information is transmitted to the computer of the financial institution by the intermediary computer, and the loan application of the distributor is also transmitted to the computer of the financial institution by the intermediary computer.
유통자의 대출 신청은 유통자의 단말기를 통하여 중개 컴퓨터에 전달되고 중개 컴퓨터는 대출 신청의 정보를 금융기관 컴퓨터에 전달하여 금융기관에서의 대출 승인 여부를 판정한다.The loan application of the distributor is transmitted to the intermediary computer through the distributor's terminal, and the intermediary computer transmits the information of the loan application to the computer of the financial institution to determine whether the loan is approved by the financial institution.
금융기관은 대출 신청이 소정 요건을 충족하면 대출 승인을 하며, 대출의 실행에 따른 대출 금액은 유통자가 아닌 공급자에게 물품 대금으로서 지급되고, 유통자는 정해진 기일에 대출 금액과 이자를 금융기관에 납입하여 이자의 납입과 대출 원금의 상환이 이루어진다.The financial institution approves the loan when the loan application meets the prescribed requirements, and the loan amount is paid to the supplier, not the distributor, as the product price, and the distributor pays the loan amount and interest to the financial institution Interest is paid and the principal of the loan is repaid.
이와 같이, 이 발명의 대출 방법에 따르면, 유통자는 공급자에게 물품을 주문하고 주문한 물품의 판매에 따른 판매 대금이 입금되기 전에 물품 주문에 기초한 대출에 의해 공급자에게 물품 대금을 지불할 수 있게 된다.As described above, according to the loan method of the present invention, the distributor can pay the product price to the supplier through a loan based on the product order before the distributor orders the product from the supplier and the sales price according to the sale of the ordered product is deposited.
따라서, 유통자는 자금 여력이 없는 경우에도 다량의 물품을 주문하고 이 발명에 따른 대출 방법에 의해 공급자에게 물품 대금을 지불할 수 있게 된다.Accordingly, the distributor can order a large amount of goods even when there is no financial capacity and pay the price for the goods to the supplier by the loan method according to the present invention.
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 유통자의 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 distributor 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.
유통자의 대출 신청의 정보는 중개 컴퓨터에 먼저 입력되므로, 중개 컴퓨터는 금융기관에서의 대출 심사 또는 대출 승인의 판정에 앞서, 유통자의 대출 신청이 금융기관에서 승인될지 여부를 먼저 판정하고 승인이 불가할 경우에는, 대출 신청을 금융기관 컴퓨터에 전달하지 않고 먼저 유통자에게 통보함으로써 유통자가 신속하게 대출 신청을 다시 할 수 있다.Since the information of the distributor's loan application is first entered into the intermediary computer, the intermediary computer determines whether or not the distributor's loan application will be approved by the financial institution prior to the loan review or loan approval at the financial institution. In this case, the distributor can quickly re-apply for the loan by notifying the distributor first without forwarding the loan application to the computer of the financial institution.
이러한 부가적 특징의 실시 양태로서, As an embodiment of these additional features,
상기 거래 준비 단계에서, 중개 컴퓨터는 금융기관 컴퓨터로부터 유통자에 대한 여신 정보를 수신하여 기록하고, 상기 대출 신청 단계에서, 중개 컴퓨터는, 유통자의 대출 신청한 금액이 물품 주문에 따라 공급자에게 지불해야 하는 금액에 대하여 미리 정해진 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 the credit information for the distributor from the financial institution computer, and in the loan application step, the intermediary computer must pay the distributor's loan application amount to the supplier according to the product order It may be configured to determine that the loan application is not possible if it exceeds a predetermined ratio of the amount to be paid or exceeds the loan limit on the credit information.
또한, 중개 컴퓨터는 상기 대출 가능 여부에 대한 정보를 유통자 단말기에 전송하는 것으로 구성할 수 있다.In addition, the intermediary computer may be configured to transmit information on whether the loan is possible to the distributor terminal.
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 판정 단계에서, 금융기관 컴퓨터는 유통자의 대출 신청한 금액이 물품 주문에 따라 공급자에게 지불해야 하는 금액에 대하여 미리 정해진 소정 비율을 초과하거나 여신 정보 상의 대출 한도를 초과하는 경우에 대출 신청이 가능하지 않은 것으로 판정하고 판정 결과를 기록하거나, 판정 결과를 금융기관에서의 대출 심사의 자료로서 저장하는 것으로 구성할 수 있다.In the loan approval determination step, if the loan application amount of the distributor exceeds a predetermined ratio with respect to the amount to be paid to the supplier according to the product order or exceeds the loan limit in the credit information, the loan application is processed It may consist of determining that it is not possible and recording the judgment result, or storing the judgment result as data for loan review at a financial institution.
이 발명에 따른 대출 방법은 유통자의 물품 주문을 기초로 하여 대출이 실행되므로, 주문한 물품의 금액이 확인되고 그러한 주문한 물품 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 based on the order of the goods by the distributor. Therefore, if the amount of the ordered goods is confirmed and the amount of the ordered goods is compared with the credit limit of the seller, the loan approval is judged based on a relatively clear standard. can be done
금융기관 컴퓨터는 유통자의 여신 정보와 물품 주문 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 and the product order information of the distributor, 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, 중개 컴퓨터가 당해 승인된 대출 신청에 관한 금융기관과 유통자 사이의 개별 대출 약정서를 생성하고, 유통자는 생성된 개별 대출 약정서에 약정의 표시를 하여 금융기관에 전달하는 것인 약정 단계를 더 포함하는 것으로 구성될 수 있다.Between the loan approval result transmission step and the loan execution step, the intermediary computer generates an individual loan agreement between the financial institution and the distributor for the approved loan application, and the distributor displays the agreement in the generated individual loan agreement It may be configured to further include an arrangement step that is forwarded to the financial institution.
또한, 이 발명의 대출 방법은, In addition, the loan method of this invention,
상기 대출 승인 결과 전송 단계와 대출 실행 단계 사이에, 중개 컴퓨터가 당해 승인된 대출에 관한 금융기관과 유통자 사이의 개별 대출 약정서를 생성하고, 유통자는 유통자 단말기를 통하여 개별 대출 약정서에 약정의 표시를 하며, 약정의 표시가 된 개별 약정서는 중개 컴퓨터에 의해 금융기관 컴퓨터에 전송되는 것인 약정 단계를 더 포함하는 것으로 구성될 수도 있다.Between the loan approval result transmission step and the loan execution step, the intermediary computer generates an individual loan agreement between the financial institution and the distributor related to the approved loan, and the distributor displays the agreement in the individual loan agreement through the distributor terminal and the individual agreement marked with the agreement may be configured to further include an agreement step in which the individual agreement is transmitted to the computer of the financial institution by the intermediary computer.
금융기관의 정책에 따라 또는 금융기관의 대출에 관한 정부의 정책이나 법률이 규정에 따라, 개별적인 대출에 관한 금융기관과 유통자 사이에 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 distributor for individual loans.
전술한 이 발명의 추가의 특징들에 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 the above-described additional features of the present invention, when a financial institution approves a loan, the information is transmitted to an intermediary computer, and the intermediary computer generates a contract, which makes it difficult for the seller to visit the financial institution and fill out the loan agreement. The procedure 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 유통자는 단지 유통자 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 distributor can only distribute By accessing the intermediary computer through the user terminal, checking 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:
여신 정보에는 실행된 대출에 대한 이자 납입과 원금 상환의 기일 정보 및 실행된 대출에 대한 상환이 이루어지며 금융기관 컴퓨터에 의해 운영되는 상환 계좌 정보가 포함되고, The credit information includes information on the date of interest payment and principal repayment for the executed loan and repayment account information operated by the computer of the financial institution where repayment of the executed loan is made,
상기 대출 실행 단계 후에, 금융기관 컴퓨터는 정해진 기일에 상환 계좌로 유통자로부터 대출 금액 및 이자 금액에 대한 입금이 이루어졌는지 여부를 확인하고, 확인된 이자 납입 및 대출 원금 상환 여부의 정보를 중개 컴퓨터에 전송하는 것인, 이자 납입 및 원금 상환 확인 단계; 및 After the loan execution step, the financial institution computer checks whether the deposit for the loan amount and the interest amount has been made from the distributor to the repayment account on the set date, and sends the information on the confirmed interest payment and loan principal repayment to the intermediary computer. To transmit, interest payment and principal repayment confirmation step; and
중개 컴퓨터가 금융기관 컴퓨터로부터 전송된 이자 납입 및 대출 원금 상환 여부의 정보를 기록하고, 유통자 단말기에 이자 납입 및 대출 원금 상환 여부의 정보를 전송하거나 중개 컴퓨터에 접속된 유통자 단말기에 표시하는 것인 이자 납입 및 원금 상환 정보 표시 단계를 더 포함하는 것으로 구성될 수 있다.Recording the information on whether interest payment and loan principal repayment has been sent from the intermediary computer to the computer of the financial institution, and transmitting the information on whether interest payment and loan principal repayment to the distributor's terminal or displaying it on the distributor's terminal connected to the intermediary computer It may be configured to further include a step of displaying information on interest payment and principal repayment.
또한, 이 발명의 대출 방법은, In addition, the loan method of this invention,
대출 신청 단계에서, 대출 신청 정보에는 이자 납입과 대출 원금 상환의 기일 정보 및 실행된 대출에 대한 상환이 이루어지며 금융기관 컴퓨터에 의해 운영되는 상환 계좌 정보가 포함되며, In the loan application stage, the loan application information includes information on the date of interest payment and repayment of the loan principal, and repayment account information operated by the computer of the financial institution where repayment of the executed loan is made,
상기 대출 실행 단계 후에, 금융기관 컴퓨터는 정해진 기일에 상환 계좌로 유통자로부터 이자 금액 및 대출 원금에 대한 입금이 이루어졌는지 여부를 확인하고, 확인된 이자 납입 및 대출 원금 상환 여부의 정보를 중개 컴퓨터에 전송하는 것인, 이자 납입 및 원금 상환 확인 단계; 및 After the loan execution step, the financial institution computer checks whether the interest amount and the loan principal have been deposited from the distributor to the repayment account on the specified date, and information on the confirmed interest payment and loan principal repayment to the intermediary computer To transmit, interest payment and principal repayment confirmation step; and
중개 컴퓨터가 금융기관 컴퓨터로부터 전송된 이자 납입 및 대출 원금 상환 여부의 정보를 기록하고, 유통자 단말기에 이자 납입 및 대출 원금 상환 여부의 정보를 전송하거나 중개 컴퓨터에 접속된 유통자 단말기에 표시하는 것인 이자 납입 및 원금 상환 정보 표시 단계를 더 포함하는 것으로 구성될 수 있다.Recording the information on whether interest payment and loan principal repayment has been sent from the intermediary computer to the computer of the financial institution, and transmitting the information on whether interest payment and loan principal repayment to the distributor's terminal or displaying it on the distributor's terminal connected to the intermediary computer It may be configured to further include a step of displaying information on interest payment and principal repayment.
이와 같은 구성에 따르면, 금융기관이나 중개자의 개입 없이 컴퓨터들에 의해 상환에 대한 확인 및 통보가 이루어질 수 있다.According to such a configuration, confirmation and notification of repayment can be made by computers without the intervention of a financial institution or an intermediary.
이 발명의 추가의 특징으로서, 이 발명의 대출 방법은, As a further feature of this invention, the loan method of this invention comprises:
여신 정보 중의 대출 약정에는 대출에 관한 담보 약정이 포함되고, The loan agreement in the credit information includes the collateral agreement for the loan,
담보 약정에는, 유통자의 예금에 대한 담보, 유통자가 주문한 물품 중에서 공급자 측에서 보유한 물품에 대한 담보, 유통자가 보유하는 주문 물품에 대한 담보 및 대출 상환 불이행 시에 유통자에 대한 공급자의 공급 중단 약정 중의 어느 하나 이상이 포함되는 것으로 구성될 수 있다.In the collateral agreement, collateral for the deposit of the distributor, collateral for the goods held by the supplier among the goods ordered by the distributor, collateral for the ordered goods held by the distributor, and the supplier's supply cessation agreement to the distributor in case of failure to repay the loan Any one or more may be included.
이 발명은 유통자가 공급자에게 물품을 주문한 물품 주문에 기초하여 이루어지므로, 개별적인 대출에 대한 담보로서, 유통자의 예금과 같은 자사 외에도 물품 주문에 직접적으로 관련된 재고 물품이나 공급자로부터 유통자로의 물품 공급 여부가 담보로서 이용될 수 있다.Since this invention is made on the basis of an order for goods that a distributor has ordered from a supplier, as collateral for individual loans, stock items that are directly related to an order for goods in addition to the distributor, such as deposits from the distributor, or supply of goods from the supplier to the distributor It can be used as collateral.
이 발명의 추가의 특징으로서, 이 발명의 대출 방법은, As a further feature of this invention, the loan method of this invention comprises:
상기 기록 단계에서, 중개 컴퓨터는 물품 주문 정보를 유통자 단말기로부터 수신한 경우, 물품 주문 정보의 진위 확인 요청의 메시지를 공급자 컴퓨터에 전송하고, 대출 신청 단계에서 공급자 컴퓨터로부터 수신한 물품 주문 정보가 진정한 것이라는 취지의 확인 메시지를 수신한 경우에 유통자 단말기로부터 수신한 대출 신청 정보를 중개 컴퓨터에 등록하고 이를 금융기관 컴퓨터에 전송하는 것으로 구성할 수도 있다.In the recording step, when the intermediary computer receives the product order information from the distributor terminal, it transmits a message requesting confirmation of the authenticity of the product order information to the provider computer, and the product order information received from the provider computer in the loan application step is authentic. When a confirmation message is received, it may be configured to register the loan application information received from the distributor's terminal in the intermediary computer and transmit it to the computer of the financial institution.
또한, 이 발명의 추가의 특징으로서, 이 발명의 대출 방법은, In addition, as a further feature of the present invention, the loan method of the present invention comprises:
대출 실행 단계 후에, 금융기관 컴퓨터가 대출 실행 결과를 중개 컴퓨터에 전송하고 중개 컴퓨터는 금융기관 컴퓨터로부터 전송되는 대출 실행 결과를 유통자 단말기에 전송하거나 금융기관 컴퓨터가 대출 실행 결과를 중개 컴퓨터 및 유통자 단말기에 전송하는 것인 대출 실행 정보 전송 단계를 더 포함하는 것으로 구성할 수 있다.After the loan execution step, the financial institution computer transmits the loan execution result to the intermediary computer, and the intermediary computer transmits the loan execution result transmitted from the financial institution computer to the distributor's terminal, or the financial institution computer transmits the loan execution result to the intermediary computer and the distributor It can be configured to further include a loan execution information transmission step to be transmitted to the terminal.
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 사전 단계를 보여주는 플로우 차트이다.2 is a flow chart showing the pre-steps performed prior to the execution of the loan method according to the embodiment of the present invention.
도 3은 이 발명의 실시예에 따른 대출 방법에서 대출의 승인 여부를 판정하고 판정 결과를 전송하며 대출 승인된 대출 신청에 대하여 약정을 하는 단계를 보여주는 플로우 차트이다.3 is a flowchart showing the steps of determining whether to approve a loan in the loan method according to an embodiment of the present invention, transmitting the determination result, and making an agreement for the loan approved loan application.
도 4는 이 발명의 실시예에 따른 대출 방법에서 대출이 실행되는 단계로부터 대출에 대한 상환이 이루어지고 상환 여부의 정보를 송수신하는 단계를 보여주는 플로우 차트이다.4 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, and the step of transmitting and receiving information on whether or not repayment is made.
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 방법은, 대출을 받고자 하는 유통자와 대출을 실행하는 금융기관 사이의 직접적인 정보의 교환에 의해 구현되는 것이 아니고, 제3자인 중개자가 운영하는 중개 컴퓨터(10)를 매개로 하여 진행된다. The loan method according to an embodiment of the present invention is not implemented by direct information exchange between a distributor who wants to receive a loan and a financial institution that executes the loan, but uses the intermediary computer 10 operated by a third-party intermediary. It is carried out as a medium.
중개 컴퓨터(10)는 중개자가 직접 소유하고 운영하는 것일 수도 있으나, 중개자가 임대하여 사용하는 서버 장치와 데이터베이스 장치 및 전용선으로 이루어질 수 있다. 또한, 중개 컴퓨터(10)는 중개자가 직접 운영할 필요는 없고 중개자의 위탁 하에 별도의 업체에 의해 유지 보수 등이 이루어질 수 있다.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. 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.
중개 컴퓨터(10)는 어느 한대의 컴퓨터 장치만을 의미하는 것은 아니고, 중개자가 운영하며 네트워크에 의해 서로 접속되어 정보를 송수신하는 복수 개의 서버 장치와 데이터베이스 장치 등으로 이루어져 있다.The intermediary computer 10 does not mean only one computer unit, but consists of a plurality of server units and database units 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.
도 1에서 공급자가 운영하는 공급자 컴퓨터(20)는 단일의 서버 컴퓨터로 구성되는 것으로 도시하고 있으나, 공급자 컴퓨터는 복수 대의 서로 연결되는 서버 장치, 정보 단말기 및 데이터 베이스 장치 등으로 구성될 수도 있다.Although the provider computer 20 operated by the provider in FIG. 1 is illustrated as being composed of a single server computer, the provider computer may be composed of a plurality of interconnected server devices, information terminals, database devices, and the like.
공급자 컴퓨터(20)에는 유통자가 공급자 측에 물품을 주문한 주문 정보가 입력된다. 유통자가 공급자에 물품에 대한 주문서를 작성하여 송부하고 유통자가 주문에 응하여 물품 대금에 대한 청구서를 작성하여 유통자에게 송부하며, 그러한 주문서와 청구서는 모두 공급자 컴퓨터(20)에 입력된다.In the supplier computer 20, order information in which the distributor orders the goods from the supplier is input. The distributor prepares and sends an order form for the goods to the supplier, and the distributor prepares a bill for the price of the goods in response to the order and sends it to the distributor, and both the order form and the bill are input into the supplier computer 20 .
이러한 주문 정보의 입력은 주문서와 청구서가 종이 문서 형태로 작성되어 공급자와 유통자 사이에서 수발신될 수도 있으나, 유통자 단말기(30)가 접속 가능한 유통자의 컴퓨터(미도시)와 공급자 컴퓨터(20)에 의해 작성되고 이들 컴퓨터 사이에서 네트워크를 통하여 전자적으로 송수신된다.The input of such order information may be sent and received between the supplier and the distributor as the order form and the invoice are written in the form of paper documents, but in the distributor's computer (not shown) and the supplier computer 20 that the distributor terminal 30 can connect to. created by the computer and transmitted and received electronically over a network between these computers.
이렇게 전자적으로 작성되고 송수신되는 주문서와 청구서의 기재 사항은 유통자의 컴퓨터와 공급자 컴퓨터(20)에 기록되어 저장된다.Orders and bills that are electronically created and transmitted and received are recorded and stored in the computer of the distributor and the computer of the supplier 20 .
구체적으로, 유통자는 자신의 컴퓨터를 통하여 주문서를 작성하고 전자적으로 작성된 주문서는 유통자 단말기(30)를 통하여 공급자 컴퓨터(20)에 송부되고, 공급자가 공급자 컴퓨터(20)를 통하여 주문을 확인하고, 유통자에게 물품을 공급하기로 결정하면 공급자 컴퓨터(20)에서 청구서가 작성되어 유통자 단말기(30)를 통하여 또는 직접 유통자의 컴퓨터에 송부된다.Specifically, the distributor prepares an order form through his/her computer, and the electronically written order form is sent to the supplier computer 20 through the distributor terminal 30, and the supplier confirms the order through the supplier computer 20, When it is decided to supply the goods to the distributor, a bill is created in the supplier computer 20 and sent to the distributor's computer through the distributor terminal 30 or directly.
다만, 이러한 물품 주문 절차가 반드시 유통자 단말기(30)와 공급자 컴퓨터(20) 사이에서 이루어져야 하는 것은 아니고, 공급자 컴퓨터(20)에 공급자에 대한 정보, 각각의 공급자의 주문 정보 및 각각의 공급자로의 청구서 작성과 발송 정보만 기록되는 것으로 이 실시예의 대출 방법이 실행될 수 있다.However, this product order procedure does not necessarily have to be made between the distributor terminal 30 and the supplier computer 20, and information on the supplier, order information of each supplier, and information on each supplier in the supplier computer 20 The loan method of this embodiment can be implemented as only billing and sending information is recorded.
중개 컴퓨터(10)는 네트워크를 통하여 공급자 컴퓨터(20)에 접속하여 유통자에 대한 정보, 유통자로부터의 주문서에 따른 물품 주문 정보, 물품 주문에 따라 발행된 청구서의 정보를 인출하거나 수신하여 기록할 수 있다.The intermediary computer 10 accesses the supplier computer 20 through the network to withdraw or receive information about the distributor, product order information according to the order form from the distributor, and information on the invoice issued according to the product order. 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 본 실시예에서는 유통자 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 distributor 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 유통자 단말기(30)는 각각의 유통자의 담당자가 보유하는 스마트폰과 같은 휴대형 정보 단말기일 수도 있고, 각각의 유통자 기업 내부에서 사용하는 컴퓨터일 수 있다.Such a distributor terminal 30 may be a portable information terminal such as a smart phone owned by the person in charge of each distributor, or may be a computer used inside each distributor's company.
첨부 도면 및 이 명세서에서는 유통자 측에서 보유하고 운영하고 중개 컴퓨터(10), 공급자 컴퓨터(20) 및 은행 컴퓨터(40)에 접속 가능한 장치를 '유통자 단말기(30)'로 지칭한다.In the accompanying drawings and this specification, a device possessed and operated by the distributor and connectable to the intermediary computer 10 , the supplier computer 20 and the bank computer 40 is referred to as a 'distributor terminal 30 '.
금융기관으로서의 은행의 컴퓨터(40)는 은행의 전산 시스템을 운영하는 컴퓨터이다. 은행 컴퓨터(40)에는 각각의 유통자의 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 computer 40 is provided with an account management system 42 for managing each distributor's bank account, and a loan management system 41 for managing and executing loans according to this embodiment is provided.
은행에는 이 실시예의 대출 방법의 실행에 따른 대출 금액이 입급되는 공급자 계좌 및 대출 금액에 대하여 유통자의 원리금 상환이 이루어지는 유통자 계좌가 마련되고, 은행 컴퓨터의 계좌 관리 시스템(42)에 의해 운영되고 관리된다.In the bank, the supplier account to which the loan amount is paid according to the execution of the loan method of this embodiment and the distributor account in which the principal and interest repayment of the distributor are made for the loan amount are provided, and are operated and managed by the account management system 42 of the bank computer do.
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 접속하여 중개 컴퓨터(10)와 이 실시예의 대출 방법에 따른 대출의 실행에 필요한 정보를 송수신한다. The bank computer 40 connects 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 유통자 단말기(30)가 접속 가능하여, 유통자 단말기(30)가 대출 실행에 관한 정보를 수신하거나 유통자가 유통자 단말기(30)를 통하여 유통자의 상환 계좌에 대출 금액에 대한 원리금 상환을 실행할 수 있다.In addition, the distributor terminal 30 is accessible to the bank computer 40 , so that the distributor terminal 30 receives information on loan execution or the distributor makes a loan to the repayment account of the distributor through the distributor terminal 30 . The principal and interest can be repaid for the amount.
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 공급자에게 물품을 주문하고 공급받아 유통하는 유통자는 복수일 수 있고, 어느 하나의 유통자가 복수의 공급자에게 물품을 주문하여 공급받을 수 있다. 또한, 후술하는 대출을 실행하는 금융기관으로서의 은행 역시 복수 개의 은행일 수 있고, 유통자는 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 distributors who order, receive, and distribute goods from any one supplier, and any one distributor may order and receive goods from a plurality of suppliers. In addition, a bank as a financial institution executing a loan, which will be described later, may also be a plurality of banks, and the distributor may select a bank to which he/she wants to receive a loan from among the plurality of banks.
다만, 첨부 도면 및 이하의 설명에서는 설명의 편의에 따라 하나의 유통자, 하나의 공급자, 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 distributor, one supplier, and one bank for convenience of explanation.
이하에서는 도 2를 참조하여, 이 실시예에 따른 대출 방법의 실행에 앞서 이루어지는 대출 실행을 위한 거래 준비 단계, 주문 정보의 기록 단계 및 대출 신청을 하는 단계에 대해 설명한다.Hereinafter, with reference to FIG. 2, the transaction preparation step for the loan execution, the order information recording step, and the loan application step will be described prior to the execution of the loan method according to this embodiment.
S1. 거래 준비 단계S1. Trade preparation steps
이 실시예에 따른 대출의 실행을 위한 거래 준비 단계로서 각각의 유통자에 대한 여신 정보가 은행 컴퓨터(40)에 기록된다(S1-1).As a transaction preparation step for the execution of the loan according to this embodiment, credit information for each distributor is recorded in the bank computer 40 (S1-1).
은행에서는 각각의 유통자에 대하여 대출 한도와 금리를 결정하고 대출 약정을 맺은 후에, 결정된 대출 한도, 금리, 대출 약정 및 원리금에 대한 상환 기일을 여신 정보로서 은행 컴퓨터(40)에 저장한다. After the bank determines the loan limit and interest rate for each distributor and concludes a loan agreement, the determined loan limit, interest rate, loan agreement, and repayment date for principal and interest are stored in the bank computer 40 as credit information.
이 실시예에서 대출금과 이자금액을 포함한 원리금에 대한 상환 기일은 특정의 일자를 의미하는 것은 아니고, 대출이 실행된 날로부터 일정 기간을 의미하는 것이다.In this embodiment, the repayment date for the principal and interest including the loan amount and interest does not mean a specific date, but means a certain period from the date the loan is executed.
다만, 이 실시예에서 상환 기일은 여신 정보로서 거래 준비 단계에서 결정되어 기록되지만, 여신 정보로서는 상환 기일의 한도만 결정되고, 유통자에 의한 각각의 대출 신청에서 유통자가 상환 기일의 한도 내에서 이자의 납입 및 대출 원금의 납입을 포함한 상환 기일을 선택하고 대출 신청의 정보로서 중개 컴퓨터(10)에 기록할 수도 있다.However, in this embodiment, the repayment date is determined and recorded in the transaction preparation stage as credit information, but only the limit of the repayment date is determined as the credit information, and in each loan application by the distributor, the distributor is interested within the limit of the repayment date It is also possible to select a repayment date including the payment of and the payment of the loan principal and record it in the intermediary computer 10 as information of the loan application.
대출 약정은 결정된 대출 한도와 금리 외에도 담보 약정이 포함된다.A loan agreement includes a collateral agreement in addition to a determined loan limit and interest rate.
담보 약정에는, 유통자의 예금에 대한 담보, 유통자가 주문한 물품 중에서 공급자 측에서 보유한 물품에 대한 담보, 유통자가 보유하는 주문 물품에 대한 담보 및 대출 상환 불이행 시에 유통자에 대한 공급자의 공급 중단 약정 중의 어느 하나 이상이 포함된다.In the collateral agreement, collateral for the deposit of the distributor, collateral for the goods held by the supplier among the goods ordered by the distributor, collateral for the ordered goods held by the distributor, and the supplier's supply cessation agreement to the distributor in case of failure to repay the loan Any one or more are included.
유통자가 공급자에게 물품을 주문하고 공급자가 주문을 승락하여 청구서를 발행하며, 청구된 물품 대금이 공급자에게 지불된 후에도 주문된 물품이 유통자에게 인도되지 않고 공급자에 의해 제조 또는 유통 중이거나 유통자의 창고 등에 적재되어, 유통자의 수중에 있을 수 있다.The distributor orders the goods from the supplier, the supplier accepts the order, issues an invoice, and even after the charge for the goods is paid to the supplier, the ordered goods are not delivered to the distributor and are being manufactured or distributed by the supplier or are being manufactured or distributed by the distributor or in the distributor's warehouse It may be loaded onto the back and in the hands of the distributor.
따라서, 유통자에게 인도되고 공급자의 수중에 있는 물품에 대하여 이 실시예의 대출 방법에 따른 대출이 실행된 후에 유통자가 대출 상환을 하지 못하는 경우에, 은행은 공급자의 수중에 있는 물품에 대한 담보를 기초로 하여 물품의 처분이 가능하게 된다.Accordingly, in the case where the distributor fails to repay the loan after the loan according to the loan method of this embodiment is executed for the goods delivered to the distributor and in the possession of the supplier, the bank will base the security on the goods in the possession of the supplier. This makes it possible to dispose of the goods.
한편, 대출 한도, 금리 또는 담보 약정과 같은 여신 조건은 유통자의 신용도 및 담보물 외에도 공급자의 신용도 등에 따라 결정될 수 있다. Meanwhile, credit conditions such as a loan limit, interest rate, or collateral agreement may be determined according to the creditworthiness of the distributor and the creditworthiness of the supplier in addition to the collateral.
예컨대, 공급자가 시장 지배적인 위치에 있는 경우, 유통자는 공급자로부터 물품을 공급받지 못한 경우에 사업의 영위에 상당한 곤란을 겪을 수 있다. For example, if the supplier is in a dominant market position, the distributor may experience considerable difficulties in conducting business if the supplier does not supply the goods.
따라서, 이 실시예의 대출 방법에 따라 대출이 실행된 후에 유통자가 대출 금액을 상환하지 않은 경우, 공급자가 유통자에 대한 물품의 공급 중단을 하기로 약정한다면, 이러한 공급 중단 약정은 공급자의 시장에서의 우월적 지위를 이용한 채무 이행 담보 수단으로서 기능할 수 있다.Therefore, when the distributor does not repay the loan amount after the loan is executed according to the loan method of this embodiment, if the supplier agrees to stop supplying the goods to the distributor, this supply cessation agreement is It can function as a means of guaranteeing debt performance by using its superior position.
은행 컴퓨터(40)에 기록된 여신 정보는 중개 컴퓨터(10)에 전송되거나 중개 컴퓨터(30)가 은행 컴퓨터(40)로부터 인출하여 각각의 유통자에 관한 여신 정보로서 기록된다(S1-2).The credit information recorded in the bank computer 40 is transmitted to the intermediary computer 10 or the intermediary computer 30 is withdrawn from the bank computer 40 and recorded as credit information for each distributor (S1-2).
또한, 중개 컴퓨터(10)에는 각각의 유통자의 정보가 기록되어 있다. 유통자의 정보는 유통자 단말기(30)를 통하여 중개 컴퓨터(10)에 기록되거나(S1-4) 중개 컴퓨터(10)가 공급자 컴퓨터(20)로부터 수신하여 기록될 수 있다.In addition, information of each distributor is recorded in the intermediary computer 10 . Distributor information may be recorded in the intermediary computer 10 through the distributor terminal 30 (S1-4) or the intermediary computer 10 may be received from the provider computer 20 and recorded.
유통자는 유통자 단말기(30)를 통하여 중개 컴퓨터(10) 또는 은행 컴퓨터(40)에 접속하여 자신의 여신 정보를 확인할 수 있다(S1-3).Distributors may check their credit information by accessing the intermediary computer 10 or the bank computer 40 through the distributor terminal 30 (S1-3).
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 공급자, 유통자 또는 금융기관이 이 실시예의 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. As described above, 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 supplier, distributor or financial institution wants to use the loan method of this embodiment, the loan transaction between them via the intermediary computer 10 is Transaction preparation steps may be newly executed so that they can be executed.
또한, 이미 이 실시예에 따른 대출 방법이 실현되고 있는 유통자나 금융기관에 대하여 거래 준비 단계의 갱신이 주기적으로 이루어질 수도 있다. 예컨대, 일년에 1회씩 특정 유통자에 대한 대출 한도와 금리 및 담보 약정을 포함한 여신 정보의 갱신이 이루어지고, 그러한 갱신은 앞서 설명한 절차를 통하여 이루어질 수 있다.In addition, the transaction preparation step may be periodically updated for distributors or financial institutions that have already implemented the loan method according to this embodiment. For example, the credit information including the loan limit, interest rate, and collateral agreement for a specific distributor is updated once a year, and such renewal may be performed through the procedure described above.
S2. 기록 단계S2. record step
거래 준비 단계(S1)에서 각각의 유통자에 대한 여신 조건이 결정되어 기록되면, 개별적인 대출이 실행될 수 있는 상태로 된다.When the credit conditions for each distributor 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 공급자 컴퓨터(20)에 접속하여 각각의 유통자의 정보 및 주문 정보를 수신하여 기록한다. 이러한 유통자의 주문 정보에는 유통자로부터 공급자에게 송부된 주문서 상의 물품 목록, 물품 대금 및 공급자가 유통자에게 발행한 청구서의 정보가 포함된다. As a pre-step of loan execution, the intermediary computer 10 accesses the supplier computer 20 to receive and record information and order information of each distributor. Such distributor's order information includes the list of goods on the order sent from the distributor to the supplier, the price of the goods, and information on the invoice issued by the supplier to the distributor.
이 명세서 전반에서, '주문 정보'로서 취급되는 '물품 주문'이라는 것은 유통자가 공급자에게 주문서를 발송하여 일방저긍로 물품 구매의 주문의 의사 표시를 한 것을 의미하는 것은 아니고, 그러한 주문서를 통한 주문의 의사 표시에 대하여 공급자가 물품 공급의 응락을 하여 청구서를 발행한 것을 의미한다.Throughout this specification, 'goods order', which is treated as 'order information', does not mean that the distributor sent an order form to the supplier and unilaterally expressed his intention to purchase the product. In response to the declaration of intention, it means that the supplier has agreed to supply the goods and issued a bill.
그러한 물품 구매의 의사 표시와 그에 대한 승낙이 반드시 주문서와 청구서를 통하여 확정되어야 하는 것은 아니고, 의사 표시와 그에 대한 응락에 관한 상관습과 법률 등에 의해 인정되는 다양한 방법을 통하여 이루어질 수 있다.Expression of intention to purchase such goods and acceptance thereof do not necessarily have to be confirmed through the order form and invoice, but may be made through various methods recognized by commercial customs and laws regarding expression of intention and acceptance thereof.
이와 같은 중개 컴퓨터(10)에 의한 주문 정보의 수신과 기록은 일정한 주기로 수시로 실행된다.Reception and recording of order information by such an intermediary computer 10 are frequently performed at regular intervals.
다만, 이러한 기록 단계(S2)가 주기적으로 실행되지 않고, 중개 컴퓨터(10)에 접속한 유통자 단말기(30)로부터 대출 신청 정보의 입력이 있을 때에 중개 컴퓨터(10)에 의해 실행될 수도 있다.However, this recording step (S2) is not executed periodically, but may be executed by the intermediary computer 10 when the loan application information is input from the distributor terminal 30 connected to the intermediary computer 10 .
한편, 이 실시예와 달리, 주문 정보의 수신과 기록은 유통자 측으로부터 이루어지도록 구성할 수도 있다.On the other hand, unlike this embodiment, the reception and recording of the order information may be configured to be made from the distributor side.
유통자는 유통자 단말기(30)를 통하여 중개 컴퓨터(10)에 접속하고, 공급자로부터 받은 물품 주문에 대한 청구서와 자신이 발행한 주문서를 주문 정보로서 중개 컴퓨터(10)에 전송한다.The distributor accesses the brokerage computer 10 through the distributor terminal 30 and transmits the invoice for the product order received from the supplier and the order book issued by him/her to the brokerage computer 10 as order information.
중개 컴퓨터(10)는 유통자 단말기(30)로부터 주문 정보를 수신하면, 주문 정보와 함께 주문 정보의 진위를 확인하는 메시지를 공급자 컴퓨터(20)에 전송한다.When the intermediary computer 10 receives the order information from the distributor terminal 30 , it transmits a message confirming the authenticity of the order information together with the order information to the supplier computer 20 .
S3. 대출 신청 단계S3. Loan application steps
거래 준비 단계(S1)가 실행되고 중개 컴퓨터(10)에 의해 공급자 컴퓨터(20)로부터 또는 유통자 단말기(30)로부터 주문 정보의 수신(S2)이 이루어지는 중에, 유통자에 의해 대출 신청이 이루어진다.A loan application is made by the distributor while the transaction preparation step (S1) is executed and the order information is received (S2) from the supplier computer 20 or from the distributor terminal 30 by the intermediary computer 10 .
유통자는 유통자 단말기(30)로 중개 컴퓨터(10)에 접속하여 중개 컴퓨터(10)에 기록된 자신의 주문 정보를 확인할 수 있다(S3-1). 유통자는 중개 컴퓨터(10)에 기록된 자신의 주문 정보에 대하여 자신에게 필요한 금액에 대한 대출 신청을 한다(S3-2). The distributor can access the brokerage computer 10 through the distributor terminal 30 and check his own order information recorded in the brokerage computer 10 (S3-1). The distributor applies for a loan for the amount necessary for himself with respect to his order information recorded in the intermediary computer 10 (S3-2).
유통자는 유통자 단말기(30)를 통하여 중개 컴퓨터(10)에 대출 신청 금액을 포함한 대출 신청 정보을 입력하여 대출 신청을 하고, 입력된 대출 신청 정보는 중개 컴퓨터(10)에 기록된다(S3-3). The distributor applies for a loan by inputting loan application information including the loan application amount to the intermediary computer 10 through the distributor terminal 30, and the input loan application information is recorded in the intermediary computer 10 (S3-3) .
대출이 실행되는 기일은 주문 정보 상에서 유통자가 공급자에게 물품을 지급하는 일자로 정해지므로, 대출 신청에서는 별도의 대출 실행 기일을 기록할 필요는 없고 주문 정보 상에 포함되는 물품 대금 지급 기일이 대출이 실행되는 기일로 된다.As the loan execution date is set as the date the distributor pays the supplier in the order information, there is no need to record a separate loan execution date in the loan application. is due to be
유통자의 대출 신청에 대하여 대출이 가능한지 여부의 판정은 후술하는 대출 승인 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 distributor is made by the bank computer 40 operated by the bank executing the loan in the loan approval 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.
유통자 단말기(30)를 통한 대출 신청이 기록되면, 중개 컴퓨터(10)의 대출 관리 서버(14)는 대출 신청의 정보를 기록하고(S3-3) 주문 정보를 추출하여 대출 신청을 한 당해 유통자의 여신 정보 및 주문 정보와 대출 신청 정보를 대비한다(S3-4).When the loan application through the distributor terminal 30 is recorded, the loan management server 14 of the intermediary computer 10 records the information of the loan application (S3-3), extracts order information, and applies for the loan Prepare the borrower's credit information, order information, and loan application information (S3-4).
이 실시예의 대출 방법은 유통자의 물품 주문에 기초하여 대출이 실행되는 것이므로, 유통자가 신청하는 대출 신청 금액은 당해 물품 주문의 물품 대금 또는 물품 대금에 대한 소정 비율 및 여신 정보 상의 대출 한도를 초과할 수 없다. In the loan method of this embodiment, the loan is executed based on the order of the item from the distributor, so the loan application amount applied by the distributor may exceed the loan limit on the loan information and the predetermined ratio of the product price or product price of the product order. none.
물품 대금에 대한 대출 신청 금액의 소정 비율은 대출에 발생하는 이자를 고려하여 은행에 의해 미리 산정되고 여신 정보의 하나로서 기록될 수 있다.A predetermined ratio of the loan application amount to the product price may be calculated in advance by the bank in consideration of interest accrued on the loan and recorded as one of the credit information.
중개 컴퓨터(10)는, 유통자의 대출 신청 금액이 당해 대출 신청에 관한 주문 정보 상의 물품 대금에 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 distributor exceeds a predetermined ratio with respect to the product price on the order information for the loan application or exceeds the loan limit on the credit information.
중개 컴퓨터(10)는 대출 신청이 가능하지 않은 것으로 판정되면, 판정 결과를 유통자 단말기(30)에 전송하여 유통자 단말기(30)가 수신하고(s3-5), 대출 신청이 가능한 것으로 판정하면, 유통자의 대출 신청 정보를 은행 컴퓨터(40)에 전송하여 은행컴퓨터에 의해 수신된다(S3-6).If it is determined that the intermediary computer 10 is not able to apply for a loan, it transmits the determination result to the distributor terminal 30 and the distributor terminal 30 receives it (s3-5), and if it is determined that the loan application is possible , by transmitting the loan application information of the distributor to the bank computer 40 is received by the bank computer (S3-6).
유통자는 유통자 단말기(30)를 통하여 중개 컴퓨터(10)로부터 대출 신청이 가능하지 않다는 판정 결과를 확인하면, 대출 신청 금액을 수정하여 다시 대출 신청 단계(S2)를 진행할 수 있다.When the distributor confirms the result of the determination that the loan application is not possible from the intermediary computer 10 through the distributor terminal 30, the loan application amount may be corrected and the loan application step S2 may be performed again.
한편, 중개 컴퓨터(10)에 의한 대출 가능 여부의 판정 없이 유통자 단말기(30)로부터의 대출 신청의 정보가 중개 컴퓨터(10)에 기록되고 중개 컴퓨터 에 의해 바로 은행 컴퓨터(40)로 전송되도록 구성될 수도 있다.On the other hand, the information of the loan application from the distributor 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 directly transmitted to the bank computer 40 by the intermediary computer 10 it might be
또한, 기록 단계(S2)에서 유통자의 주문 정보가 유통자 단말기(30)를 통하여 중개 컴퓨터(10)에 전송된 경우, 중개 컴퓨터(10)는 공급자 컴퓨터(20)로부터 주문 정보가 진정한 것이라는 회신을 받은 후에 유통자 단말기(30)로부터 주문 정보를 수신하면, 유통자 단말기(30)로부터 수신한 대출 신청 정보를 중계 컴퓨터(10)에 등록하고 이를 금융기관 컴퓨터(40)에 전송한다.In addition, when the order information of the distributor is transmitted to the intermediary computer 10 through the distributor terminal 30 in the recording step (S2), the intermediary computer 10 sends a reply from the supplier computer 20 that the order information is genuine. After receiving order information from the distributor terminal 30 , the loan application information received from the distributor terminal 30 is registered in the relay computer 10 and transmitted to the financial institution computer 40 .
중개 컴퓨터(10)는 공급자 컴퓨터(20)로부터 주문 정보에 오류가 있거나 허위의 것이라는 회신을 수신하면, 주문 정보에 오류가 있어서 대출 신청이 가능하지 않다는 메시지를 유통자 컴퓨터(30)에 전송한다.When the intermediary computer 10 receives a reply from the supplier computer 20 that the order information is erroneous or false, it transmits a message to the distributor computer 30 stating that the loan application is not possible due to an error in the order information.
유통자는 유통자 컴퓨터(30)를 통하여 당해 메시지를 확인하고 주문 정보를 수정하여 중개 컴퓨터(10)에 전송하고 대출 신청을 재개할 수 있다.The distributor can check the message through the distributor computer 30, modify the order information, transmit it to the broker computer 10, and resume the loan application.
다음으로, 도 3을 참조하여 대출의 승인 여부를 판정하고, 판정 결과를 전송하며, 대출 승인된 대출 신청에 대하여 약정을 하는 단계를 설명한다.Next, with reference to FIG. 3, the steps of determining whether to approve the loan, transmitting the determination result, and 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 판정을 한다(S4-1). 유통자가 기록한 대출 신청 금액이 당해 대출 신청에 관한 주문 정보 상의 물품 대금에 대하여 소정 비율을 초과하거나 여신 정보 상의 대출 한도를 초과하는 경우, 은행 컴퓨터(40)는 대출 신청이 가능하지 않은 것으로 판정하고 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 decision on whether to approve the loan (S4-1). If the loan application amount recorded by the distributor exceeds a predetermined ratio with respect to the product price in the order information for the loan application or exceeds the loan limit in the credit information, the bank computer 40 determines that the loan application is not possible and determines Record the results.
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 판정과 기록 없이, 은행의 대출 담당자가 중개 컴퓨터(10)로부터 전송되어 은행 컴퓨터(40)에 기록된 대출 신청 정보와 당해 유통자의 판매 정보 및 여신 정보를 대비하여 은행 컴퓨터(02)에 의한 사전 판정에서과 같은 판정 요건에 따라 대출 가능 여부를 판정하고 판정 결과를 대출 관리 시스템(42)에 기록할 수도 있다.However, without a determination and record of whether a loan is possible by the bank computer 40, the loan application information transmitted from the intermediary computer 10 by the bank's loan officer and recorded in the bank computer 40, the sales information of the distributor, and It is also possible to determine whether a loan is possible or not according to the same determination requirements as in the prior determination by the bank computer 02 in preparation for the credit information, 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 유통자의 정보와 주문 정보가 중개 컴퓨터(10)를 통하여 은행 컴퓨터(40)에 기록되고, 소정의 대출 심사를 거쳐 대출 한도와 금리 및 담보 약정 등의 여신 정보가 결정되어 기록되어 있으므로, 당해 유통자에 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), specific distributor information and order information are recorded in the bank computer 40 through the intermediary computer 10, and loan information such as the loan limit, interest rate, and collateral agreement is provided through a predetermined loan examination. Since it is determined and recorded, individual loan applications by the distributor meet the above-mentioned predetermined loan availability requirements, the loan management system 42 of the bank computer determines whether the requirements are met, and the final It can be processed by recording the information of the loan approval.
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 유통자 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 and recorded and transmitted to the distributor terminal 30 (S5-2).
대출이 승인되지 않은 경우, 유통자는 유통자 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 distributor may check the determination result through the distributor 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 유통자 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 distributor 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 유통자 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 distributor in relation to the loan application (S6-1).
유통자는 유통자 단말기(30)를 통하여 대출 승인의 결과를 확인하고, 유통자 단말기(30)를 통하여 중개 컴퓨터(10)에 접속하여 중개 컴퓨터(30)에 의해 생성된 약정서를 확인할 수 있다.The distributor can check the result of loan approval through the distributor terminal 30 , and can check the contract created by the intermediary computer 30 by accessing the intermediary computer 10 through the distributor terminal 30 .
유통자가 약정서를 확인하고, 유통자 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 distributor confirms the agreement, and displays the agreement in the agreement through the electronic authentication means between the distributor 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 유통자에게 전달하고 유통자가 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 distributor, and the distributor may indicate the agreement in the agreement and submit it directly to the bank through a broker or directly.
또한, 경우에 따라서는 앞서 설명한 바와 같이, 중개 컴퓨터(10)가 생성한 약정서에 전자적 인증 수단을 통하여 유통자가 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 distributor displays the contract through the 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 유통자에 대한 정보 및 판매 정보를 기초로 하여 대출 한도와 금리를 정하여 대출을 승인하는 경우, 특정의 물품 주문에 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 the loan by setting the loan limit and interest rate based on the information on the specific distributor and the sales information, for individual loan applications based on specific product orders, a separate Without a loan agreement, the loan can be executed only by the determination and loan approval in the loan approval determination step (S4).
다음으로, 도 4을 참조하여, 대출이 실행되는 단계로부터 대출에 대한 상환이 이루어지는 단계까지 설명한다.Next, with reference to FIG. 4, 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 유통자로부터 약정서를 수신하면(S6-4), 계좌 관리 시스템(41)을 통하여 대출 승인된 대출 신청 금액을 주문 정보에 포함된 물품 대금의 지불 시점에 공급자의 계좌에 입금하는 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 distributor (S6-4), the loan application amount approved for the loan through the account management system 41 at the time of payment of the product price included in the order information to execute a loan to be deposited in the provider's account (S7-1), and record the loan execution result 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 유통자에 대한 대출 정보로서 기록하고(S8-2), 아울러 유통자 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 distributor (S8-2), and also transmitted to the distributor terminal 30.
한편, 이와 달리, 은행 컴퓨터(40)가 대출 실행 결과를 중개 컴퓨터(10) 및 유통자 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 distributor terminal 30 .
S9 이자 납입 및 원금 상환 확인 단계S9 Interest payment and principal repayment confirmation step
대출이 실행된 후에 유통자는 대출의 상환 기일 이전에 유통자 단말기(30)를 통하여 은행 컴퓨터(40)에 접속하여 대출 상환 계좌에 대출 금액 및 이자 금액을 입금하여 대출을 상환한다(S9-1).After the loan is executed, the distributor accesses the bank computer 40 through the distributor terminal 30 before the repayment date of the loan and repays the loan by depositing the loan amount and interest in the loan repayment account (S9-1) .
중개 컴퓨터(10) 및 은행 컴퓨터(40)에 기록된 각각의 유통자의 여신 정보에는 실행된 대출에 대한 이자 납입 및 원금 상환 기일 정보가 포함되고, 실행된 대출에 대한 상환이 이루어지며 금융기관 컴퓨터에 의해 운영되는 상환 계좌 정보가 포함되어 있다. The credit information of each distributor recorded in the intermediary computer 10 and the bank computer 40 includes information on the date of interest payment and principal repayment for the executed loan, and the repayment of the executed loan is made to the computer of the financial institution. Reimbursement account information operated by the company is included.
금융기관 컴퓨터(40)는 여신 정보 상의 상환 기일에 또는 상환 기일 경과 후에 상환 계좌로 유통자로부터 이자 금액 및 대출 원금에 대한 입금이 이루어졌는지 여부를 확인하고(S9-2), 확인된 이자 납입 및 원금 상환 여부의 정보를 중계 컴퓨터에 전송한다(S9-3).The financial institution computer 40 checks whether the interest amount and the loan principal have been deposited from the distributor to the repayment account on the repayment date on the credit information or after the repayment date has elapsed (S9-2), and the confirmed interest payment and Information on whether the principal is repaid or not is transmitted to the relay computer (S9-3).
S10. 이자 납입 및 원금 상환 정보 표시 단계S10. Steps to display interest payment and principal repayment information
중계 컴퓨터(10)는 금융기관 컴퓨터(40)로부터 이자 납입 및 원금 상환 여부의 정보를 수신하여 기록하고(S10-1), 공급자 컴퓨터(20)와 유통자 단말기(30)에 이자 납입 및 원금 상환 여부의 정보를 메시지로 전송한다(S10-2). 중개 컴퓨터(10)는 메시지의 전송 외에도 중개 컴퓨터(10)에 접속한 유통자 단말기(30)에 이자 납입 및 원금 상환 정보를 표시한다.The relay computer 10 receives and records information on whether interest payment and principal repayment from the financial institution computer 40 (S10-1), and pays interest and repayment of principal to the provider computer 20 and the distributor terminal 30 Information on whether or not is transmitted as a message (S10-2). The intermediary computer 10 displays interest payment and principal repayment information on the distributor terminal 30 connected to the intermediary computer 10 in addition to transmitting the message.
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 (12)

  1. 공급자로부터 물품을 구매하여 시장에 유통하는 유통자가 공급자에게 물품 구매를 요청하고 공급자로부터 물품 대금 청구서를 수령하는 주문에 기초하여 금융기관으로부터 대출을 받는 것인, 물품 주문 기반의 대출 방법으로서, A loan method based on an item order, wherein a distributor who purchases goods from a supplier and distributes them in the market receives a loan from a financial institution based on an order to request the supplier to purchase the goods and receive an invoice for the goods from the supplier,
    공급자가 운영하고, 유통자의 정보, 물품 주문 정보가 기록되는 공급자 컴퓨터; 대출 방법의 실행에 관하여 공급자, 유통자 및 금융기관 사이에서 대출 실행을 중개하는 중개자가 운영하는 중개 컴퓨터; 대출을 실행하는 금융기관이 운영하고, 중개 컴퓨터와 상호 접속 가능하며, 중개 컴퓨터로부터 물품의 주문 정보를 수신하고 유통자에 대한 대출 한도, 금리 및 대출 약정을 포함하는 여신 정보가 기록되는 금융기관 컴퓨터, 및 유통자가 보유하고 중개 컴퓨터에 접속 가능한 유통자 단말기가 마련되는 것인, 거래 준비 단계;a supplier computer operated by the supplier, in which distributor information and product order information are recorded; an intermediary computer operated by an intermediary for intermediary loan execution between suppliers, distributors and financial institutions with respect to the execution of the loan method; A financial institution computer operated by the financial institution issuing the loan, interconnectable with the intermediary computer, receiving order information for goods from the intermediary computer and recording credit information including loan limits, interest rates and loan commitments to the distributor. , and a distributor terminal possessed by the distributor and accessible to the intermediary computer is provided, a transaction preparation step;
    중개 컴퓨터가 공급자 컴퓨터 또는 유통자 단말기로부터의 유통자의 정보 및 물품 주문 정보를 수신하여 기록하는 것인, 기록 단계;a recording step, wherein the intermediary computer receives and records the information of the distributor and the product order information from the supplier computer or the distributor terminal;
    유통자가 유통자 단말기를 통하여 중개 컴퓨터에 접속하여 자신의 물품 주문에 따라 공급자에게 지불하는 금액에 대한 대출 신청을 기록하고, 중개 컴퓨터가 대출 신청 정보를 금융기관 컴퓨터에는 전송하는 것인, 대출 신청 단계; Loan application step, in which the distributor accesses the intermediary computer through the distributor terminal, records the loan application for the amount to be paid to the supplier according to his/her product order, and the intermediary computer transmits the loan application information to the computer of the financial institution ;
    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 컴퓨터는 금융기관 컴퓨터로부터 전송되는 판정 결과를 유통자 단말기에 전송하거나 금융기관 컴퓨터가 대출 승인의 판정 결과를 중개 컴퓨터 및 유통자 단말기에 전송하는 것인, 대출 승인 결과 전송 단계; 및The financial institution computer transmits the loan approval decision result to the brokerage computer, and the brokerage computer transmits the decision result transmitted from the financial institution computer to the distributor terminal, or the financial institution computer sends the loan approval decision result to the brokerage computer and the distributor terminal. Transmitting, the loan approval result transmission step; and
    금융 기관 컴퓨터가 대출 승인된 대출 신청에 관한 물품 주문에 대하여 유통자가 공급자에게 대금을 지불하는 시점에 공급자의 계좌에 대출 신청된 금액을 입금하여 대출을 실행하고 대출 실행 결과가 금융기관 컴퓨터에 기록되는 것인, 대출 실행 단계; At the time when the distributor pays the supplier for the product order related to the loan application for which the loan application is approved, the financial institution computer executes the loan by depositing the loan application amount into the provider's account, and the result of the loan execution is recorded in the financial institution computer. will, loan execution step;
    를 포함하는 것인, 물품 주문 기반의 대출 방법. That comprising, a loan method based on an item order.
  2. 청구항 1에 있어서, The method according to claim 1,
    상기 대출 신청 단계에서, 중개 컴퓨터는 유통자의 대출 신청이 가능한지 여부를 판정하여 대출 가능 여부에 대한 정보를 생성하고, 대출 가능으로 판정하면 금융기관 컴퓨터에 대출 신청 정보를 송신하는 것인, 물품 주문 기반의 대출 방법. In the loan application step, the intermediary computer determines whether the loan application of the distributor 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. of the loan method.
  3. 청구항 2에 있어서, 3. The method according to claim 2,
    상기 거래 준비 단계에서, 중개 컴퓨터는 금융기관 컴퓨터로부터 유통자에 대한 여신 정보를 수신하여 기록하고, In the transaction preparation step, the intermediary computer receives and records credit information about the distributor from the computer of the financial institution,
    상기 대출 신청 단계에서, 중개 컴퓨터는, 유통자의 대출 신청한 금액이 물품 주문에 따라 공급자에게 지불해야 하는 금액에 대하여 미리 정해진 소정 비율을 초과하거나 여신 정보 상의 대출 한도를 초과하는 경우에 대출 신청이 가능하지 않은 것으로 판정하는 것인, 물품 주문 기반의 대출 방법. In the loan application step, the intermediary computer can apply for a loan when the amount of the loan application by the distributor exceeds a predetermined ratio of the amount to be paid to the supplier according to the product order or exceeds the loan limit in the credit information A loan method based on an item order, which is determined not to have been made.
  4. 청구항 2에 있어서, 3. The method according to claim 2,
    중개 컴퓨터는 상기 대출 가능 여부에 대한 정보를 유통자 단말기에 전송하는 것인, 물품 주문 기반의 대출 방법. The intermediary computer transmits the information on whether the loan is possible to the distributor terminal, the item order-based loan method.
  5. 청구항 1에 있어서, The method according to claim 1,
    상기 대출 승인 판정 단계에서, 금융기관 컴퓨터는 유통자의 대출 신청한 금액이 물품 주문에 따라 공급자에게 지불해야 하는 금액에 대하여 미리 정해진 소정 비율을 초과하거나 여신 정보 상의 대출 한도를 초과하는 경우에 대출 신청이 가능하지 않은 것으로 판정하고 판정 결과를 기록하거나, 판정 결과를 금융기관에서의 대출 심사의 자료로서 저장하는 것인, 물품 주문 기반의 대출 방법. In the loan approval determination step, when the loan application amount of the distributor exceeds a predetermined ratio with respect to the amount to be paid to the supplier according to the product order or exceeds the loan limit in the credit information, the loan application is A loan method based on an article order, wherein it is determined that it is not possible and the result of the judgment is recorded, or the judgment result is stored as data of a loan review in a financial institution.
  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 당해 승인된 대출 신청에 관한 금융기관과 유통자 사이의 개별 대출 약정서를 생성하고, 유통자는 생성된 개별 대출 약정서에 약정의 표시를 하여 금융기관에 전달하는 것인 약정 단계An agreement step in which the intermediary computer generates an individual loan agreement between the financial institution and the distributor regarding the approved loan application, and the distributor displays the agreement on the generated individual loan agreement and transmits it to the financial institution
    를 더 포함하는 것인, 물품 주문 기반의 대출 방법. Which will further include, item order-based loan method.
  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 당해 승인된 대출에 관한 금융기관과 유통자 사이의 개별 대출 약정서를 생성하고, 유통자는 유통자 단말기를 통하여 개별 대출 약정서에 약정의 표시를 하며, 약정의 표시가 된 개별 약정서는 중개 컴퓨터에 의해 금융기관 컴퓨터에 전송되는 것인 약정 단계The intermediary computer creates an individual loan agreement between the financial institution and the distributor for the approved loan, and the distributor displays the agreement on the individual loan agreement through the distributor's terminal. The commitment phase, which is transmitted to the computer of the financial institution by
    를 더 포함하는 것인, 물품 주문 기반의 대출 방법. Which will further include, item order-based loan method.
  8. 청구항 1에 있어서, The method according to claim 1,
    여신 정보에는 실행된 대출에 대한 이자 납입과 원금 상환의 기일 정보 및 실행된 대출에 대한 상환이 이루어지며 금융기관 컴퓨터에 의해 운영되는 상환 계좌 정보가 포함되고, The credit information includes information on the date of interest payment and principal repayment for the executed loan and repayment account information operated by the computer of the financial institution where repayment of the executed loan is made,
    상기 대출 실행 단계 후에, 금융기관 컴퓨터는 정해진 기일에 상환 계좌로 유통자로부터 대출 금액 및 이자 금액에 대한 입금이 이루어졌는지 여부를 확인하고, 확인된 이자 납입 및 대출 원금 상환 여부의 정보를 중개 컴퓨터에 전송하는 것인, 이자 납입 및 원금 상환 확인 단계; 및 After the loan execution step, the financial institution computer checks whether the deposit for the loan amount and the interest amount has been made from the distributor to the repayment account on the set date, and sends the information on the confirmed interest payment and loan principal repayment to the intermediary computer. To transmit, interest payment and principal repayment confirmation step; and
    중개 컴퓨터가 금융기관 컴퓨터로부터 전송된 이자 납입 및 대출 원금 상환 여부의 정보를 기록하고, 유통자 단말기에 이자 납입 및 대출 원금 상환 여부의 정보를 전송하거나 중개 컴퓨터에 접속된 유통자 단말기에 표시하는 것인 이자 납입 및 원금 상환 정보 표시 단계Recording the information on whether interest payment and loan principal repayment has been sent from the intermediary computer to the computer of the financial institution, and transmitting the information on whether interest payment and loan principal repayment to the distributor's terminal or displaying it on the distributor's terminal connected to the intermediary computer Steps to display information on interest payment and principal repayment
    를 더 포함하는 것인, 물품 주문 기반의 대출 방법.Which will further include, item order-based loan method.
  9. 청구항 1에 있어서,The method according to claim 1,
    대출 신청 단계에서, 대출 신청 정보에는 이자 납입과 대출 원금 상환의 기일 정보 및 실행된 대출에 대한 상환이 이루어지며 금융기관 컴퓨터에 의해 운영되는 상환 계좌 정보가 포함되며, In the loan application stage, the loan application information includes information on the date of interest payment and repayment of the loan principal, and repayment account information operated by the computer of the financial institution where repayment of the executed loan is made,
    상기 대출 실행 단계 후에, 금융기관 컴퓨터는 정해진 기일에 상환 계좌로 유통자로부터 이자 금액 및 대출 원금에 대한 입금이 이루어졌는지 여부를 확인하고, 확인된 이자 납입 및 대출 원금 상환 여부의 정보를 중개 컴퓨터에 전송하는 것인, 이자 납입 및 원금 상환 확인 단계; 및 After the loan execution step, the financial institution computer checks whether the interest amount and the loan principal have been deposited from the distributor to the repayment account on the specified date, and information on the confirmed interest payment and loan principal repayment to the intermediary computer To transmit, interest payment and principal repayment confirmation step; and
    중개 컴퓨터가 금융기관 컴퓨터로부터 전송된 이자 납입 및 대출 권금 상환 여부의 정보를 기록하고, 유통자 단말기에 이자 납입 및 대출 원금 상환 여부의 정보를 전송하거나 중개 컴퓨터에 접속된 유통자 단말기에 표시하는 것인 이자 납입 및 원금 상환 정보 표시 단계Recording the information on whether the intermediary computer has paid interest and repayment of loan principal transmitted from the computer of the financial institution, and transmits the information on whether interest payment and loan principal repayment to the distributor's terminal or displays it on the distributor's terminal connected to the intermediary computer Steps to display information on interest payment and principal repayment
    를 더 포함하는 것인, 물품 주문 기반의 대출 방법.Which will further include, item order-based loan method.
  10. 청구항 1에 있어서,The method according to claim 1,
    여신 정보 중의 대출 약정에는 대출에 관한 담보 약정이 포함되고, The loan agreement in the credit information includes the collateral agreement for the loan,
    담보 약정에는, 유통자의 예금에 대한 담보, 유통자가 주문한 물품 중에서 공급자 측에서 보유한 물품에 대한 담보, 유통자가 보유하는 주문 물품에 대한 담보 및 대출 상환 불이행 시에 유통자에 대한 공급자의 공급 중단 약정 중의 어느 하나 이상이 포함되는 것인, 물품 주문 기반의 대출 방법.In the collateral agreement, collateral for the deposit of the distributor, collateral for the goods held by the supplier among the goods ordered by the distributor, collateral for the ordered goods held by the distributor, and the supplier's supply cessation agreement to the distributor in case of failure to repay the loan Any one or more will be included, item order-based loan method.
  11. 청구항 1에 있어서,The method according to claim 1,
    상기 기록 단계에서, 중개 컴퓨터는 물품 주문 정보를 유통자 단말기로부터 수신한 경우, 물품 주문 정보의 진위 확인 요청의 메시지를 공급자 컴퓨터에 전송하고, In the recording step, when the intermediary computer receives the product order information from the distributor terminal, it transmits a message requesting confirmation of the authenticity of the product order information to the provider computer,
    대출 신청 단계에서 공급자 컴퓨터로부터 수신한 물품 주문 정보가 진정한 것이라는 취지의 확인 메시지를 수신한 경우에 유통자 단말기로부터 수신한 대출 신청 정보를 중개 컴퓨터에 등록하고 이를 금융기관 컴퓨터에 전송하는 것인, 물품 주문 기반의 대출 방법.In the case of receiving a confirmation message to the effect that the goods order information received from the supplier computer is genuine in the loan application step, the loan application information received from the distributor's terminal is registered in the intermediary computer and transmitted to the computer of the financial institution. Order-based loan method.
  12. 청구항 1에 있어서, The method according to claim 1,
    대출 실행 단계 후에,After the loan execution phase,
    금융기관 컴퓨터가 대출 실행 결과를 중개 컴퓨터에 전송하고 중개 컴퓨터는 금융기관 컴퓨터로부터 전송되는 대출 실행 결과를 유통자 단말기에 전송하거나 금융기관 컴퓨터가 대출 실행 결과를 중개 컴퓨터 및 유통자 단말기에 전송하는 것인 대출 실행 정보 전송 단계를 더 포함하는 것인, 물품 주문 기반의 대출 방법.The financial institution computer transmits the loan execution result to the intermediary computer, and the intermediary computer transmits the loan execution result transmitted from the financial institution computer to the distributor's terminal, or the financial institution computer transmits the loan execution result to the intermediary computer and the distributor's terminal Which further comprises the step of transmitting the loan execution information, the item order-based loan method.
PCT/KR2020/016666 2020-11-23 2020-11-24 Loan method based on order for goods WO2022107953A1 (en)

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