WO2022107953A1 - Procédé de prêt basé sur une commande pour des marchandises - Google Patents

Procédé de prêt basé sur une commande pour des marchandises 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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English (en)
Korean (ko)
Inventor
박상순
이원득
이현욱
Original Assignee
주식회사 핀투비
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Publication of WO2022107953A1 publication Critical patent/WO2022107953A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—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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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Strategic Management (AREA)
  • Marketing (AREA)
  • Economics (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Development Economics (AREA)
  • Theoretical Computer Science (AREA)
  • Technology Law (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

La présente invention concerne un procédé de prêt basé sur une commande pour des marchandises, selon la présente invention, dans lequel un distributeur qui achète des marchandises à partir d'un fournisseur et distribue les marchandises sur le marché reçoit un prêt d'un établissement financier sur la base d'une commande pour des marchandises, dans lequel le distributeur demande au fournisseur d'acheter les marchandises et reçoit une facture pour les marchandises provenant du fournisseur. Le procédé de prêt selon la présente invention comprend : une étape de préparation de transaction dans laquelle un ordinateur fournisseur exploité par un fournisseur, un ordinateur de médiation exploité par un médiateur pour l'exécution de prêt, un ordinateur d'établissement financier exploité par un établissement financier exécutant un prêt et un terminal de distributeur possédé par un distributeur sont fournis ; une étape d'enregistrement dans laquelle l'ordinateur de médiation reçoit et enregistre des informations de commande de marchandise ; une étape de demande de prêt dans laquelle le distributeur enregistre une demande de prêt ; une étape de détermination d'approbation de prêt dans laquelle l'approbation de prêt est déterminée en fonction d'un examen de prêt par l'établissement financier ; une étape de transmission de résultat d'approbation de prêt dans laquelle le résultat de détermination de l'approbation de prêt est transmis à l'ordinateur de médiation et au terminal de distributeur ; et une étape d'exécution de prêt dans laquelle l'ordinateur d'établissement financier exécute le prêt et le résultat de l'exécution du prêt est enregistré sur l'ordinateur d'établissement financier.
PCT/KR2020/016666 2020-11-23 2020-11-24 Procédé de prêt basé sur une commande pour des marchandises WO2022107953A1 (fr)

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KR102658210B1 (ko) * 2023-01-03 2024-04-16 김성일 스테이블코인을 이용한 구매대금 제공 서비스의 제어 방법 및 서비스 컴퓨팅 장치

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KR20020000399A (ko) * 2000-06-24 2002-01-05 장철훈 인터넷을 이용한 은행대출 시스템
KR20080079710A (ko) * 2007-01-05 2008-09-02 김동건 유통시스템에서 신용도를 이용한 금융 대출 방법 및 검색된신용도를 이용한 유통중개 방법
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