KR100357825B1 - Network-based system for intermediating trades of insolvent bonds - Google Patents

Abstract

The present invention relates to a network-based bad debt trading (auction) system for constructing a database of bad debts included in a bond document and allowing bad debts to be traded at a reasonable price based on the established database. .

In the present invention, a seller or buyer executes a web browser installed on his or her PC to perform a communication connection to a bond sale (auction) server through the Internet, and a bond sale (auction) server in which a seller connection is made with the seller PC and the buyer PC. Transfers the main page for the bond sale (auction) to the seller PC and the buyer PC so that the seller or the buyer can register with the bond sale (auction) server through the main page to sell or buy bad debts, and the seller or the buyer Receives a request page for the bond sale (auction) request from the main page so that the seller or buyer can enter the application information for selling or buying bad debts, and the bad bond sale (auction) server, Alternatively, the sale (auction) of bad debts can be made based on the information entered by the buyer. The lock.

Description

Network-based system for intermediating trades of insolvent bonds}

The present invention relates to a network-based bad debt trading (auction) system.

More specifically, the present invention relates to a network-based bad debt trading (auction) system that establishes a database of bad debts included in the bond documents and enables the bad debts to be traded at a reasonable price based on the established database. .

In general, bad and undeveloped bonds are a series of human acts that inevitably occur and disappear as a person engages in economic activities. Such a series of activities will lead to different types of data and knowledge for each activity, and the data will be organized by bonds into a filing file, which will continue to be completed until the bond is completed or expires.

On the other hand, financial institutions that manage the above-mentioned bad debts are spending enormous costs, and it was common to arrange bad debts by selling them to the Asset Sale Corporation in Korea. In most cases, they are made by selling in bulk, and many of them are not recognized.

In addition, in addition to the Asset Sale Corporation, joint ventures with foreign financial institutions are being promoted to manage bad debts through asset management companies or corporate restructuring companies. There was a problem that this sale.

An object of the present invention is to establish a database related to the bad debts included in the bond documents to solve the above-mentioned problems, and the network-based bad debts to allow the bad debts to be traded at a reasonable price based on the established database It is to provide a trading (auction) system.

1 is a view for explaining the configuration of a network-based bad debt trading brokerage system according to the present invention,

Figure 2 is a schematic block diagram showing the configuration of a bond sales (auction) server applied to Figure 1,

3 is an operation flowchart for implementing a network-based bad debt trading brokerage system according to the present invention,

FIG. 4 is a flowchart illustrating an insolvency bond subroutine applied to FIG. 3 in detail;

5 is an operation flowchart for explaining in detail the bad debt auction subroutine applied to FIG.

6 is a view showing a bond sale (auction) request page provided to the buyer in accordance with the present invention,

7 is a view showing a bond auction detail inquiry page provided to the buyer in accordance with the present invention.

* Description of Signs of Main Parts of Drawings *

10: network communication network

20 (1), .., 20 (N): Bond Seller PC

30 (1), .., 30 (N): Buyer PC

40: Bond Sales (Auction) Server

In order to achieve the above object, the system of the present invention receives a main homepage for selling bad debts through a web browser and a network communication network executed by a bond seller, and sells bad debts through the main homepage (or auctions). At least one or more creditor seller PCs that register for bad debts on the registered bad debt trade page, and web browsers and network networks executed by the buyers of the bonds. At least one bond purchaser PC that can receive the main homepage, receive information on the sale of the bad debts registered on the corrode trade (or auction) page through the main homepage, and selectively purchase the bad debts provided with the information; Through the debtor or the buyer Selling bad loans to sell or buy right (Auction) Bond sale (auction), which transfers the main homepage and a page for providing detailed information about bad debts to the seller or the buyer of the bond. Include a server.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a view for explaining the configuration of the network-based bad debt trading brokerage system according to the present invention.

As shown, the network communication network 10 includes the Internet, allowing an unspecified number of sellers and buyers to perform access to a bad debt trading (auction) server.

At least one or more of the bond seller PCs 20 (1) to 20 (N) exist, and a web browser such as Netscape is installed on the PC itself, and a web browser and network communication network executed in accordance with the operation of the bond seller. Through the main home page for selling the bad debts through the registration, the bad debts (or auction) page through the main homepage, and register the bad debts for sale on the registered bad debts page.

At least one bond buyer PC (30 (1) to 30N) is present, and a web browser such as Netscape is installed on the PC itself, and is executed through a web browser and a network communication network 10 executed by a bond buyer. You can receive the main homepage for buying insolvent receivables, receive information on the sale of bad debts registered on the corrode trade (or auction) page through the main homepage, and selectively buy insolvent receivables.

The above-mentioned bond purchaser confirms the bond sale or the bond auction from the communication connection (auction) server 40, and confirms the details of the appropriate bond in detail through the bond auction detail inquiry page and then applies for bond purchase. Participate in bidding agreements or bidding.

Since the above-described bond auction detail inquiry page is generated by the bond sale (auction) request page of FIG. 6 as shown in the accompanying drawings, the items are similar, and only information corresponding to the bad bond to be sold is shown. It will only have a detailed description thereof will be omitted.

In addition, the above-described bond buyer pays the price through the Internet banking, home banking, PC banking or remittance when the bond is purchased.

The bond sale (auction) server 40 provides detailed information on the bad loan sale (auction) main homepage and the bad debt so that the above-described bond sellers or buyers can sell or buy bad debts through the network communication network 10. The page for providing to the seller or the buyer of the bond is transferred to the seller of the debtor PC 20 (1) through 20 (N) or the buyer of the debtor PC 30 (1) through 30 (N).

The above-described bond sale (auction) server 40, when the buyer who bought the bond has an Internet mail account, notifies the matters determined through the Internet mail account and notifies the payment, and is a buyer who does not have an Internet mail account. In such cases, the decision shall be notified offline by the membership list.

FIG. 2 is a schematic block diagram illustrating a configuration of a bond sales (auction) server applied to FIG. 1.

As shown in the figure, the database 41 stores the seller's or buyer's login information, sales (auction) request document information, sales progress information, auction progress information, sales (auction) conclusion information, sales (auction) non-trade information Have

The above-described information may be stored in different areas stored in one database, or may be implemented as separate databases in another method.

The information input unit 42, when a communication connection is made from the seller or the buyer through the network communication network 10, the login information input through the main homepage of bad debt trading (auction), the seller or the buyer of the seller (auction) to perform the sale (auction) Purchase (auction) application button Click signal and the seller (auction) request page through the input of the seller (buyer) purchase (auction) application information is received.

The information output unit 43 controls the main homepage of the bad debt trade (auction) main homepage provided with a login button and a trade (auction) application button for inputting the seller's or buyer's login information and incurring bad trade (auction). ) Is transmitted to the bond seller PC (20 (1) to 20 (N)) or the bond buyer PC (30 (1) to 30 (N)) through the network communication network 10, and to the seller or buyer described above The bad credit seller PC (20 (1) to 20 (N)) or bad debt buyer PC (30 (1) to 30) is displayed on the sale (auction) request page inputted from the main control unit 44 so that the bad debt trade can be made. (N)).

The main controller 44 is the seller PC (20 (1) to 20 (N)) described in the main sale (auction) main page for receiving the seller or the buyer's login information when the communication connection is made through the information input unit 32. Or, it is transmitted to the buyer PCs 30 (1) to 30 (N), and it is determined whether the seller or buyer connected through communication using the login information input through the main page and the information input unit 42 described above is a registered member. In the case of a registered member, the request page for sale (auction) is transmitted to the information output unit 43 according to the request of the seller or the buyer input through the information input unit 42 described above, and the request page described above. Seller (buy) of the seller or buyer input through the above by using the information to connect the seller and the buyer so that bad debts can be sold.

The above-described bond sale (auction) request page is provided with a plurality of windows for inputting various information as shown in FIG. 6, which will be described below.

First, personal information of the client (creditor): trade name, business number, representative (name), social security number, address, contact information, etc.

Second, the transaction details: types of bonds-financial bonds, general bonds, uncommitted bonds

Details of bonds: default notes, default checks, default checks, credit card payments, overdue collateral loans, overdue credit loans, delinquent loans, overdue other bonds, uncommitted notes, uncollected collateral loans, uncommitted credit loans Unpaid loans, dated household checks, dated checks, other bonds,

Request for sale: sale of corporation-only, corporation-only auction, sale of general bonds, sale of general bonds, sale of unsettled bonds, sale of unsold bonds, etc.

The above-mentioned bond details and transaction request contents are items that a user can click to select.

Third, personal information of the debtor: trade name, business number, representative, social security number, home address, work address, contact information,

Fourth, calculation of debt settlement (bond balance as of the date of application) and auction price

Fifth, information on the debtor's property status,

Sixth, other questions,

Seventh, what is essential for a buyer or meridian to know,

Eighth, attached documents.

The operation of the network-based bad debt trading (auction) system according to the present invention configured as described above will be described in more detail with reference to the accompanying drawings.

3 is an operation flowchart for implementing a network-based bad debt trading brokerage system according to the present invention, FIG. 4 is an operational flowchart for explaining in detail the bad debt trading subroutine applied to FIG. 3, and FIG. 5 is FIG. It is an operation flowchart for explaining the bad debt auction subroutine applied to in detail.

First, the seller PCs 20 (1) to 20 (N) execute a web browser installed on the PC to perform a communication connection to the bond sale (auction) server 40 via the network communication network 10 (S100).

The above-described bond sale (auction) server 40, when a communication connection is made with the seller PCs 20 and the buyer PCs 30, the seller PC 20 described above the main page for bond sale (auction) and The purchaser transmits to the PC 30 (S200).

The main page is provided with a window for inputting ID and password, which are login information, and a trading button for selecting a menu for selling or buying bad debts.

Of course, the main page described above may be implemented in various ways, including various advertisement information, as in the existing web pages.

As described above, when the seller or the buyer inputs the ID and password and clicks the login button, the above-described ID and password are input to the main controller 44 through the network communication network 10 and the information input unit 42.

Then, the main controller 44 compares the above-described ID and password with the ID and password registered in the database 41 to determine whether the seller or the buyer connected to the bond sale (auction) server 40 is a registered member. To judge.

If the member is a registered member, the main controller 44 is authorized to sell or buy bad debts through the information output unit 43. If the member is not a registered member, the main controller 44 Since the member is not a registered member through the information output unit 43, a message is output so that the user can register to register.

Then, the bond sale (auction) server 40 provides the seller or buyer with a registration page, like other sites, the seller or the buyer for membership registration after entering their personal information on the page described above Click the button to become a full member.

As described above, the seller or buyer registered as a member receives a bond sale (auction) request page that the main controller 44 outputs through the information output unit 43 through the main page to sell or buy bad debts. Enter the application information (S300).

That is, the seller decides how to dispose of the detailed information on the bad debts to be sold and the bad debts, and inputs the detailed information through the bond sale (auction) request page. The created bond sale (auction) request page is input to the main controller 44 through the information input unit 42.

Meanwhile, the buyer reviews detailed information on the bad debts the seller wants to sell, prepares a bond sale (auction) request page that shows the price to be bought, etc., and sends the information to the main controller 44 through the information input unit 42. To be entered.

As described above, the main control unit 44, which has received a bond sale (auction) request page through the information input unit 42, performs a sale (auction) routine of bad debts based on information input by the seller or the buyer ( S400).

That is, when the selling routine is described first in the above-described S400 process, it is determined whether the seller has clicked the button for selling on the main page (S410).

As a result of the determination, when the sale button is clicked by the seller, the seller's login information is registered in the sale site (S420), the seller is registered in the sale site, and the seller transmits a page for preparing a bad debt sale request to the seller and performs the sale. Receives the information of the bad debt for proceeding (S430).

On the other hand, the system administrator of the bad debt trading (auction) server 40 including the main controller 44 receives a page for creating a bad debt trading request as described above, and then on the page for creating a bond sales request. Confirmation of personal information that cannot be made (in Korea: use and protection of credit information, and in other countries, as prescribed by the laws of that country), and check and adjust by OFF-LINE You need to do the following:

First, a copy of a resident registration card, driver's license, passport, etc. to verify the creditor's identity, and second, a notice of contents that must be deleted under the Act on the Protection and Use of Credit Information among the contents on the request page of the bond sale and correction of the relevant data. Third, request to send a copy of the bond certificate (copy of loan certificate, draft, check, etc., documents that can confirm the personal information of the debtor, etc.) Fourth, review and price of the initial auction price or commission price in agreement with the debtor Check and adjust the adjustments.

At this time, the main controller 44 may transfer the bad debt created by the seller to the predetermined buyer through the page for making a purchase request input through the information input unit 42 or to the predetermined buyer through a consultation process. It is determined whether or not (S440).

As a result of the above-described determination of S440, when the seller wants to sell the bad debts using the method of 'buying', the seller who decides the buyer who presents the best price among the buyers as the final bad debt buyer (S450) and then the seller makes a trading transaction. The sale of the requested bad debts is concluded (S460).

When the sale is concluded in the above-described step S460, the buyer sends a notice that the payment has been paid to the bad debt trading (auction) server 40, and receives the original request to send the original credit certificate and cause certificate through offline.

As a result of the above-described S440 process, when the seller wants to sell the bad debts using the method of 'consultation', the buyer decides the negotiator among the buyers (S470) and discusses the purchase price of the bad debts (S480) before buying or not. Decision (S490), if the buyer is designated by the consultation (S500), the seller concludes the sale of bad debts requesting a trading transaction (S460), and if the purchase agreement is refused (S520) To perform again from the above-described process (S440).

Next, as a result of the above-described determination in step S410, it is determined whether the auction button is clicked instead of the sale button (S530), and when the auction button is clicked, the auction routine (S540).

In the auction routine S540 described above, when the auction button is clicked by the seller, the main controller 44 receives the seller's login information through the information input unit 42, which is a part of the database 41. It is registered in the database (S541).

Then, the main control unit 44 registers in the above-described auction site and transmits a page for making a request for selling bad debts to the above-mentioned seller to receive information of bad debts for proceeding the auction.

The main controller 44 recognizes the price information of the bad debt requested by the seller through the page for making a purchase request, discloses the bad debt price requested by the seller, and discloses the bad debt price described above. It is determined whether there is a buyer who bids at a price higher than the published price (S542) (S543).

If, as a result of the above-described determination of the S543 process, when there is more than one buyer bidding at a price higher than the above-mentioned disclosure price, the buyer bids the highest amount of bad debts and concludes a sale (S544) (S545).

When the sale is concluded in the above-described step S460, the buyer sends a notice that the payment has been paid to the bad debt trading (auction) server 40, and receives the original request to send the original credit certificate and cause certificate through offline.

If, as a result of the above-described determination of the S543 process, if there is no number of bids at a price higher than the above-mentioned disclosure price, the bidder is procured, and it is determined whether to repurchase the insolvent bad debts and re-performed from the above-described process (S543). (S547).

As described above, the present invention is based on various documents of insolvent receivables by bonds, and in Korea, the database is formed on the basis of basic data excluding the personal information of the debtor prescribed by the Act on the Use and Protection of Credit Information. When buying and selling bonds, the seller (creditor) is recognized for reasonable bond prices different from the current one, providing the effect of clearing bad debts.

In addition, the present invention provides the effect that the buyer can increase the recovery rate of the bad debt by maximizing the recovery rate by acquiring and managing high-quality bonds with high recoverability among bad debts.

Although described above with reference to a preferred embodiment of the present invention, those skilled in the art will be variously modified and changed within the scope of the invention without departing from the spirit and scope of the invention described in the claims below It will be appreciated.

Claims (5)

Receive a main homepage for selling bad debts through a web browser and network communication executed by a bond seller, register on the bad debt trading (or auction) page through the main homepage, and register the registered bad debt trading page. At least one or more bond seller PCs for filing for bad debts on the market; Receive the main homepage for buying bad debts through the web browser and network communication executed by the bond buyer's operation, and receive the bad debts for sale information on the corrosive trade (or auction) page through the main homepage. At least one or more bond buyer PCs capable of selectively buying insolvent bonds provided with the information; And A page for providing the bond seller or the buyer with detailed information about the bad debt seller (auction) main homepage and the bad debt so that the bond seller or the buyer of the bond can sell or buy the bad debt through the network. It includes a bond sale (auction) server for transmitting to the bond seller PC or bond buyer PC, The bond sale (auction) server, A database having login information of a seller or a buyer, transaction (auction) request document information, sale progress information, auction progress information, sale (auction) conclusion information, and sale (auction) non-consolidation information; When the communication is made from the seller or the buyer through the network, the login information input through the bad debt trading (auction) main homepage, click the seller (buyer) request button of the seller or the buyer to perform the auction (auction) An information input unit for receiving the seller (buyer) application information of the seller or the buyer input through a signal and a trade (auction) request page; Entering the Seller's or Buyer's login information and receiving a bad debt trade (auction) main homepage with a login button and a trade (auction) application button to induce bad debt trade (auction) from the outside and receive a bond seller through the network An information output unit for transferring to a PC or a bond buyer PC, and transmitting a sales (auction) request page input from the outside to the bad debt seller PC or the bad debt buyer PC so that the bad debt trade can be made by the seller or the buyer; And When a communication connection is made through the information input unit, a sale (auction) main page for receiving the seller's or buyer's login information is transmitted to the seller PC or the buyer PC, and the login information input through the main page and the information input unit. It is determined whether the seller or the buyer connected through the communication is a registered member, and in the case of a registered member, a request page for sale (auction) is transmitted to the information output unit at the request of the seller or the buyer input through the information input unit. And a main control unit configured to connect the seller and the buyer using the information to sell or auction the seller or the buyer input through the request page, so that the bad debts can be bought and sold. Trading (auction) system. delete (1) executing a web browser to communicate with a bond sale (auction) server; (2) a bond sale (auction) server having a communication connection with the seller PCs and the buyer PCs, the main page for the bond sale (auction) transmitting to the seller PC and the buyer PC; (3) the seller or the buyer receiving the bond sale (auction) request page from the bond sale (auction) server through a main page, and inputting application information for selling or buying the bad debt; And (4) The bad debt trading (auction) server, the network-based bad debt trading (auction), characterized in that the process of performing the sale (auction) routine of the bad debt based on the information input by the seller or buyer. ) How the system works. According to claim 3, wherein the routine of trading bad debts of the process (4), (3-1) determining whether the seller clicked the button for sale; (3-2) registering the seller's login information on the sale site when the sale button is clicked by the seller; (3-3) registering information on the bad debts for proceeding with the sale by transmitting a page for making a bad debts sale request to the seller after registering on the sale site; (3-4) determining whether to transfer the bad debt created through the page for preparing the sale request to the determined buyer or to the buyer through a consultation process; (3-5) in the case where the seller has applied for the sale of the bad debts, the process of concluding the sale of the bad debts requested by the seller after determining the buyer who gave the best price among the buyers as the final bad debt buyer; And (3-6) If the seller makes an application for sale in consultation with the bad debts, the buyer decides the negotiator, and after consulting the purchase price of the bad debts, decides whether to buy them. Network-based bad debt trading (auctioning), which consists of a process of closing the sale of bad debts that requested the transaction, and re-performing from the above process (3-4) when the purchase agreement is rejected. ) How the system works. According to claim 3, wherein the auction routine of bad debts in the process (4), (3-A) determining whether the seller clicked the button for the auction; (3-B) registering the seller's login information with the auction site when the auction button is clicked by the seller; (3-C) registering information on the bad debts for proceeding with the auction by registering the auction site and transmitting a page for requesting the bad debts for sale to the seller; (3-D) recognizing the price information of the bad debt requested by the seller through the page for preparing the sale request, and publishing the bad debt price requested by the seller; (3-E) determining whether there is a buyer who bids higher than the disclosure price after the insolvency bond price is disclosed; (3-F) in the case of one or more bidders bidding at a price higher than the disclosure price, closing the bad debts to the bidder at the highest price and closing the sale; And (3-G) A network characterized in that the bidding is made when there is no bidding price higher than the public announcement price, and whether to resell the bad loans that have been made is re-run from the step (3-D). A method of operating an underlying bad debt trading (auction) system.