System and method for discounting a bill on website

专利摘要:
PURPOSE: A method for constructing and operating the website of the Internet bill exchange is provided to discount the bill at a low interest rate so that the smaller firms can rapidly loan costs, and reduce manpower and time taken to go around a financial market for bill discount. CONSTITUTION: First, a seller deposits a bill and related material in a bank, and requests a selling bill to the website of the Internet bill exchange. Then, an examiner examines/registers the deposited bill. Next, a bill authorized by the examiner is registered in a selling registration list. Then, a buyer desiring to buy a predetermined bill deposits cash and requests the selling bill. Next, if the selling and buying requests are completed, the requests are registered in a conclusion list to be sent to the examiner. Then, if the bill is sold, the website informs respectively the seller, the buyer and the bank of respective conclusions. Finally, the bank pays the cash to the seller and sends the bill to the buyer.
公开号:KR20020004485A
申请号:KR1020000038398
申请日:2000-07-05
公开日:2002-01-16
发明作者:이창호
申请人:이창호；
IPC主号:

专利说明:

System and method for discounting a bill on website}
[15] The present invention relates to a billing system on a website, and more particularly, by discounting bills on a site that provides billing services in order to enable small and medium-sized businesses to quickly expand the facility investment and operating funds, financial and bond market It's about how you can reduce the amount of people and time you spend navigating, and discount your bills at low interest rates, which is a great way to help your company's finances.
[16] Conventionally, the promissory notes received after supplying goods were visited directly to the financial and debenture market, and the discount was requested.
[17] The discount on financial rights should be exchanged for cash when many companies receive a promissory note due to the demand for real estate security, but it is difficult to discount the companies with or without real estate security, and bonds cannot be discounted except for some listed corporate papers. One situation.
[18] Accordingly, the present invention has been made to solve the above-mentioned conventional problems, the object of the present invention is to allow SMEs to discount the bill at a low interest rate in order to be able to quickly expand the facility investment funds and operating funds In order to reduce the amount of paper bills, it is necessary to provide an Internet billing system that can reduce the labor and time spent in the financial and bond markets.
[1] 1 is a block diagram showing a system for operating the Internet bill of the Internet bill exchange website according to the present invention.
[2] Figure 2 is a flow chart showing a selling procedure of the Internet bill exchange website according to the present invention.
[3] Figure 3 is a flow chart showing the billing procedure of the Internet bill exchange website according to the present invention.
[4] Figure 4 is a block diagram of the NCS (NoteCard System) of the Internet bill exchange in accordance with the present invention.
[5] 5 is a network diagram of an Internet bill exchange website according to the present invention;
[6] 6 is a flowchart illustrating a conditional search in a speech trade in accordance with the present invention.
[7] 7 is a flowchart showing the listing / non-listing in the speech trade in accordance with the present invention.
[8] 8 is a flow chart showing an offer for selling in the commercial selling according to the present invention.
[9] 9 is a flowchart showing a purchase request in a trade in accordance with the present invention.
[10] 10 is a flowchart illustrating a search for selling registration list in a bill of sale according to the present invention;
[11] 11 is a flowchart showing a fastening list in the speech trade according to the present invention.
[12] 12 is a flowchart showing a sale reservation application of a sale reservation system according to the present invention.
[13] 13 is a flowchart showing a trade reservation registration list of a trade reservation system according to the present invention;
[14] 14 is a flowchart showing a trade reservation conclusion list of a trade reservation system according to the present invention;
[19] In order to achieve the above object, the present invention is characterized in that it provides an Internet billing operation system.
[20] Hereinafter, preferred embodiments of the present invention will be described with reference to the accompanying drawings.
[21] 1 is a block diagram showing an Internet billing system of the Internet bill exchange website according to the present invention.
[22] The seller consigns the paper and the related data to the bank and applies for the paper to the Internet bill exchange website;
[23] Judging / registering a note which is entrusted to the bank in an audit analysis room;
[24] Reviewing / registering the approved note in the audit analysis room and placing the approved note on the selling registration list;
[25] Looking at the list of selling registrations, a buyer who wants to buy a predetermined bill, deposits cash and applies for the bill;
[26] When the selling request and the buying request are completed, registered in the conclusion list and sent to the examination analysis room;
[27] In the case where the paper is trafficked, the seller of selling bills is notified to the seller on the website of the Internet bill exchange website, the buyer is notified of the settlement of the draft, and the bank is notified of the settlement of the draft;
[28] After completing the billing notice, the bank is configured to proceed with the cash payment to the seller and the bill payment to the buyer at the same time.
[29] Figure 2 is a flow chart showing the selling procedure of the Internet bill exchange website according to the present invention.
[30] (The numbers in parentheses in Fig. 2 are the numbers showing the procedure of the bill selling procedure.)
[31] If the user wants to sell (discount) the bill, first filling in the detailed information on the bill issued through the seller's request for sale and then applying for the sale;
[32] A discount rate for the draft note is inputted by an interest rate desired by the selling customer;
[33] If it is difficult to calculate a discount rate, determining the price by referring to the quotation information column of the website;
[34] In order to secure the stability of the transaction, the drafted note is assigned a predetermined grade by the audit analysis team composed of corporate analysis experts on the Internet bill exchange website. Marking;
[35] The notes on the selling registration list, which have been assigned a grade, are concluded in the contract of purchase by the buyer's application for purchase, and the details of the sale appear in the list of execution. If there is a disagreement about the discount rate between each other, the steps of mutual coordination through on-line or off-line through the audit analysis team;
[36] When the transaction is concluded, the audit analysis team will notify the seller and the buyer of the transaction, and until the next day after the conclusion of the transaction, the seller will entrust the bill to the bank designated by the website. After receiving the discount amount except for the bill, the buyer of the bill is characterized by consisting of the step of closing the transaction by depositing the amount after the discount, except the fee into the account of the Internet bill exchange website / settlement bank joint name.
[37] Figure 3 is a flow chart showing the billing procedure of the Internet bill exchange website according to the present invention.
[38] (The numbers in parentheses in Fig. 3 are the numbers showing the procedure of the note purchase procedure.)
[39] If the user wants to buy the bill, searching for the bill on the seller registration list of the bill for sale and then applying for the bill that matches the purchase condition;
[40] If it is not possible to search for a note that matches the purchase conditions on the sale registration list, applying for the purchase directly through the note purchase request field;
[41] Making the requested bill to be traded only by the seller who owns the same bill as the requested bill and the issuing company;
[42] In the same way as the selling procedure, the purchaser ends the transaction by depositing the discounted amount, excluding fees, by the next day after the conclusion of the transaction to the designated bank on the website of the Internet bill exchange and receiving the bill of sale.
[43] 4 is a block diagram of an Internet bill exchange NCS (NoteCard System) according to the present invention.
[44] * Description of the number in Figure 1
[45] 1: Speech issuance
[46] 2: Bill issuance and entrustment
[47] 3: Issuance and storage of NoteCard (issued scanned documents and electronic documents in certified XML format by the bank president)
[48] 4: Inquiry on the NoteCard transaction details, conclusion report
[49] 5: NoteCard digital signature (PKI method)
[50] 6: NoteCard management, inquiry
[51] 7: Mutual expression of current account and payee
[52] 8: Recipient Credit Rating Request
[53] 9: Recipient Credit Rating Result
[54] 10: NoteCard Analysis / Evaluation
[55] 11: Corporate Credit Evaluation Request
[56] 12: Submission of corporate credit spread results
[57] 13: Acquire NoteCard
[58] 14: NoteCard Transaction / Transaction
[59] 15: Deposit account for payment date
[60] 16: Cash payment, bill storage management request
[61] 5 is a diagram illustrating a network configuration of an Internet speech trading system according to the present invention.
[62] A number of client computers 56, an Internet bill exchange website that is capable of trading bills with the client computer via the Internet 50, and finances that are connected via the Internet to make bill payments It is characterized by consisting of an organ 54 and the audit analysis evaluation team 52 of the Internet bill exchange to approve and approve bills for sale connected via the Internet.
[63] 6 is a flowchart illustrating a conditional search in a speech trade according to the present invention.
[64] Inputting a search term (62) in the search form (61) by a user (60) who has registered as a member of the Internet bill exchange website;
[65] Retrieving the sell / buy registration information 68 based on the search word information;
[66] A user requesting a sell / buy note based on the registration information;
[67] The search result list search information 64 and the search result detailed search information 66 are provided with the search word information.
[68] 7 is a flowchart showing the listing / non-listing in the speech trade according to the present invention.
[69] Inputting, by the user, selling information from the selling application form 72 of the company information 71;
[70] Registering the selling information to be sold;
[71] A user inputting the purchase information (75) in the purchase application form (73) of the company information (71);
[72] Buying and registering the input selling information;
[73] The selling / buying registration information 77 is characterized in that it consists of a step that the user can check in the registration information list (76).
[74] 8 is a flowchart illustrating an offer for selling in the trade of speech according to the present invention.
[75] When the user 80 clicks the selling request menu, displaying a list of selling notes;
[76] Displaying detailed information (82) of the selling notes by clicking a note number in the selling notes application list (84);
[77] Inputting information (85) when a request is made for selling in the selling application form (83);
[78] The input selling registration information 87 is characterized in that the step of going up the registration information list (86).
[79] 9 is a flowchart illustrating an application for purchase in the trade of speech according to the present invention.
[80] When the user 90 clicks the purchase request menu, displaying the purchase note application list 94;
[81] Displaying detailed information (92) on the number of the note when the note number is clicked on the number of the note to be requested;
[82] Inputting information (95) if a purchase request is made in the purchase request form (93);
[83] The input number registration information 97 is characterized in that the step of ascending on the registration information list (96).
[84] 10 is a flowchart illustrating a search for selling registration list in a bill of sale according to the present invention.
[85] Displaying the selling draft registration list 105 when the user 100 clicks the selling registration list menu;
[86] Displaying detailed information (103) by clicking a note number in the selling note registration list;
[87] Inputting information 106 if the purchase request is made in the purchase request form 104;
[88] The entered number of purchase registration information (108) goes up on the registration information list (107);
[89] When the company name is clicked on the selling draft registration list, the information 102 of the issuing company is displayed.
[90] 11 is a flowchart showing a fastening list in the speech trade according to the present invention.
[91] Displaying the note information when the user 110 clicks the fastening list menu;
[92] Displaying detailed information (112) when a note number is clicked on the note information (111);
[93] It is characterized in that the step of entering the detailed information to check the registration information list 113.
[94] 12 is a flowchart showing an application for trading reservation in the commercial trafficking according to the present invention.
[95] In order to make a reservation for sale, the user 120 creates an input in the input preparation form 121 and posts it on the sale reservation application list 123 to make a sale reservation 126. The sale reservation information can be viewed in the post list inquiry 124, and post details can be viewed 125 by clicking the post number.
[96] Fig. 13 is a flowchart showing a trade reservation registration list in a trade in accordance with the present invention.
[97] The user 131 viewing the sale reservation registration information 134 and performing a post list inquiry 131;
[98] Performing a detailed post search (132) by clicking a post number to be viewed in detail among the list inquiry results;
[99] Viewing the detailed search results of the post and applying for a purchase;
[100] When the user sends the fastening situation by e-mail, it is characterized in that the step is registered in the fastening information 135.
[101] 14 is a flowchart showing a trade reservation conclusion list in a trade in accordance with the present invention.
[102] The user 140 viewing the sale reservation conclusion information so as to conclude the sale reservation, and performing a post list inquiry 141;
[103] When the post number is clicked on the inquiry information in detail, it is characterized in that it consists of a step to do a detailed post search (142).
[104] When a company or a general public who holds a paper as a free member makes an application for sale, the buyer who wants to re-technize clicks a paper that is registered for sale after approving the sale of the paper in the examination service office of the paper service provider, and the trade is concluded. When the bank notifies the closing of the transaction by e-mail at the same time, the seller deposits the paper in a bank which is in business with the company, and the buyer deposits the discounted amount in cash, excluding the discount fee, and the bank Once the consignment and cash are confirmed, it consists of depositing cash to the seller, bill to the buyer, and bill and deductible fees to the billing service provider site.
[105] As described above, in the Internet billing system according to the present invention,
[106] When the seller applies for the sale of the paper, the buyer can view the paper that can be registered for sale under the approval of the examination and analysis office of the paper service provider's site so that the interest rates can be adjusted.In this way, the opaque rate of the financial institution or the bond market can be adjusted. By making it transparent, companies can reduce the enormous costs of discounts, freeing up funds, buyers can buy notes at the desired interest rate, which can be used as financial instruments, and companies that issue notes If you apply for the issuance of the bill to the supplier at the time of booking of the bill service provider site, the buyer can buy the bill in advance, so that the seller can make a quick turnover and the buyer can get a good note.

权利要求:
Claims (7)
[1" claim-type="Currently amended] Multiple client computers;
An Internet bill exchange website connected to the plurality of client computers through the Internet to exchange information data with each other;
A web browser programmed to create, store, output, and display a document in a predetermined language and form on the Internet, and to form a communication line with the outside and the Internet;
A web server, connected to the Internet, programmed to input, output, retrieve, and store information data between a plurality of client computers and the Internet bill exchange website;
Personal information of a user who has created a membership registration document in a predetermined language and form provided by the Internet bill exchange website on the web browser is made into a database, and registration, modification, deletion and printing of personal information of the member from the database are performed. Member information management system;
A note card system for creating a database of the securities and inputting / outputting, searching, storing and managing the database;
When the seller sells the bill, the seller entrusts the bill and related data to the bank and applies for the draft.In the review and analysis room, the buyer analyzes and evaluates the approved bill, and the buyer applies for the bill and deposits it in the bank. An Internet bill trading system in which the exchange website simultaneously informs the buyer, seller and bank of the draft of the bill;
A trading reservation system configured to apply for the sale and purchase of notes that have not yet been issued;
A bank settlement system in which the seller consigns the draft, and receives the discounted amount excluding the commission, and the buyer receives the discounted amount excluding the commission after the conclusion of the transaction; How to configure the Internet bill exchange website, characterized in that configured to include.
[2" claim-type="Currently amended] The method of claim 1,
The Internet billing operation system,
The seller consigns the paper and the related data to the bank and applies for the paper to the Internet bill exchange website;
Judging / registering a note which is entrusted to the bank in an audit analysis room;
Reviewing / registering the approved note in the audit analysis room and placing the approved note on the selling registration list;
Looking at the list of selling registrations, a buyer who wants to buy a predetermined bill, deposits cash and applies for the bill;
When the selling request and the buying request are completed, registered in the conclusion list and sent to the examination analysis room;
In the case where the paper is sold, providing the seller with a notice of conclusion of the sale of the draft, the buyer of the bill of settlement of settlement, and the bank of the bill of settlement of settlement of bills;
And, after the billing notification is completed, the bank proceeds to the seller to pay the cash and the buyer to pay the bill at the same time.
[3" claim-type="Currently amended] The method of claim 2,
In the step of entering the interest rate desired by the selling customer, the discount rate for the draft of the selling application constitutes an Internet bill exchange website, which avoids the discount method of the existing buyer advantage and introduces a discount rate calculation method based on open competition. Way.
[4" claim-type="Currently amended] The method of claim 1,
The bill selling procedure of the Internet bill trading system,
Making a request for selling after filling in the detailed information on the paper issued through the selling request of the bill for sale;
A discount rate for the draft note is inputted by an interest rate desired by the selling customer;
If it is difficult to calculate the discount rate, determining the price by referring to the quotation information column of the website;
In order to secure the stability of the transaction, the drafted note is assigned a predetermined grade by the audit analysis team composed of corporate analysis experts on the Internet bill exchange website. Marking;
The notes on the selling registration list, which have been assigned a grade, are concluded in the contract of purchase by the buyer's application for purchase, and the details of the sale appear in the list of execution. If there is a disagreement about the discount rate between each other, the steps of mutual coordination through on-line or off-line through the audit analysis team;
When the transaction is concluded, the audit analysis team will notify the seller and the buyer of the transaction, and until the next day after the conclusion of the transaction, the seller will entrust the bill to the bank designated by the website. After receiving the discount, except for the bill, and the buyer of the bill, after the discount, deposits the amount after the discount on the Internet bill exchange website / billing bank account. How the Website is Organized.
[5" claim-type="Currently amended] The method of claim 1,
The billing procedure of the Internet billing operation system,
Retrieving the notes on the selling registration list of the notes for sale and applying for the purchase of the notes that match the terms of purchase;
If it is not possible to search for a note that matches the purchase conditions on the sale registration list, applying for the purchase directly through the note purchase request field;
Making the requested bill to be traded only by the seller who owns the same bill as the requested bill and the issuing company;
In the same way as the selling procedure, the buyer deposits the discounted amount, excluding commissions, by the next day after the conclusion of the transaction to the designated bank of the Internet bill exchange website and receives the bill of sale. How the site is organized.
[6" claim-type="Currently amended] The method of claim 1,
The web site of the financial institution solves the inconvenience by making a transaction through the financial institution that the customer (company) visited and exchanged the paper and the cash when the draft was concluded. How the Website Works.
[7" claim-type="Currently amended] The method of claim 1,
The billing site is a method of operating the Internet bill exchange website, characterized in that the bill issuance company is configured to apply for the issuance history by developing a trading reservation system.

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同族专利:

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公开号 | 公开日

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引用文献:

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公开号 | 申请日 | 公开日 | 申请人 | 专利标题

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法律状态:
2000-07-05|Application filed by 이창호

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2000-07-05|Priority to KR1020000038398A

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2002-01-16|Publication of KR20020004485A

优先权:

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申请号 | 申请日 | 专利标题

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KR1020000038398A|KR20020004485A|2000-07-05|2000-07-05|System and method for discounting a bill on website|