Sales limit contract management system and method therefor

Abstract

The present invention provides a sales limit contract management system and a method therefor. That is, the present invention adjusts, for business operator terminals that satisfy conditions including preset financial resources, sales revenue and the like, supply items and unit prices to be provided to the corresponding business operator terminals, and then calculates a sales contract amount, a minimum margin, a deposit and the like to be provided to an investor or a supplier, collects investments from investor terminals that have confirmed the calculated sales contract amount, minimum margin, deposit and the like, performs a supply contract or purchase contract function according to the provision of a part of the collected investment as the deposit to the business operator terminals, and performs a settlement function according to a monthly payment amount in the business operator terminals so that the goods and services of the business operator can be transparently and safely traded, and mutual growth with various stakeholders can be pursued through cost reduction and quality improvement.

Description

Sales limit agreement management system and method thereof

[0001] The present invention relates to a sales limit agreement management system and method thereof, and more particularly, to a sales limit agreement management system and method thereof, which adjusts the supply items and unit prices to be provided to a business terminal that satisfies conditions including preset financial resources, sales volume, etc., and then calculates a sales commitment amount, minimum margin, deposit, etc. to be provided to an investor or supplier, collects investment funds from investor terminals that have confirmed the calculated sales commitment amount, minimum margin, deposit, etc., and performs a supply contract or purchase commitment contract function by providing a portion of the collected investment funds as a deposit to the business terminal, and performs a settlement function according to a monthly payment amount at the business terminal.

[0002] A daycare center is a facility that cares for and raises children under the age of six upon entrustment from guardians by public or private organizations, workplaces, etc.; a kindergarten is an educational institution for children before entering elementary school; and a nursing home is a health facility equipped with facilities to accept patients and provide them with treatment while resting.

[0003] These daycare centers, kindergartens, nursing homes, and non-profit organizations receive government subsidies, but they face difficulties in operating their institutions because they must settle their expenses with subsidies received after purchasing food, teaching aids, etc.

[0004] The purpose of the present invention is to provide a sales limit agreement management system and method, which adjusts the supply items and unit prices to be provided to a business terminal that satisfies conditions including preset financial resources, sales, etc., and then calculates a sales commitment amount, minimum margin, deposit, etc. to be provided to an investor or supplier, collects investment funds from investor terminals that have confirmed the calculated sales commitment amount, minimum margin, deposit, etc., and performs a supply contract or purchase agreement contract function by providing a portion of the collected investment funds as a deposit to the business terminal, and performs a settlement function according to the monthly payment amount at the business terminal.

[0005] A sales limit agreement management method according to an embodiment of the present invention may include the steps of: searching, by a server, for business information that satisfies preset conditions among a plurality of business information registered in the server; adjusting, by the server, supply items and supply unit prices to be provided to a business corresponding to the business information based on the searched business information; calculating, by the server, a deposit, an annual rate of return, a sales agreement amount, and a minimum margin to be provided to an investor or supplier in relation to a business corresponding to the business information based on the searched business information; and generating, by the server, investment information including the calculated deposit, annual rate of return, sales agreement amount, and minimum margin.

[0006] As an example related to the present invention, the method may further include: a step of confirming, by an investor terminal, one or more investment pieces of information registered in the server; a step of performing, by the investor terminal, an investment contract function in the form of an electronic document by linking with a business terminal corresponding to the specific investment information and the server when an investment is to be made in specific investment information among the one or more confirmed investment pieces of information; a step of depositing, by the investor terminal, an investment amount to be invested by the investor terminal into an account preset in the server by linking with the server and a bank server; a step of performing, by the investor terminal, at least one function among a mortgage setting function, an electronic bill notarization function, and a comprehensive assignment contract function in the form of an electronic document by linking with a business terminal corresponding to the specific investment information, the server, and a notary server; a step of displaying, by the investor terminal, an investment contract result screen according to the execution of the investment contract function provided from the server when the investment contract function is normally terminated; and a step of depositing, by the server, an amount corresponding to the calculated deposit amount among the investment amount into an account of the business terminal by linking with the business terminal corresponding to the specific investment information and the bank server.

[0007] As an example related to the present invention, the method may further include: a step of confirming, by a supplier terminal, one or more investment information registered in the server; a step of registering, by the supplier terminal, in conjunction with the server, a condition for supplying goods / services for the specific investment information among the one or more confirmed investment information when supplying goods or services for the specific investment information; a step of selecting, by the server, a specific condition for supplying goods / services among one or more condition for supplying goods / services registered in the server in relation to the specific investment information; a step of performing, by the server, a condition for supplying goods / services in the form of an electronic document by linking with the supplier terminal that has registered the selected condition for supplying goods / services; and a step of displaying, by the supplier terminal, a condition for supplying goods / services as a result screen provided from the server when the condition for supplying goods / services is normally terminated.

[0008] As an example related to the present invention, the step of providing goods or services provided from the supplier terminal to the business terminal according to the goods / service supply contract by the server; the step of performing a payment function for a payment amount corresponding to the purchased goods and quantity according to the settlement date within the terms of the goods / service supply contract by the server in conjunction with the business terminal and the payment server; the step of depositing an amount corresponding to the minimum margin into the account of the investor terminal according to the minimum margin payment date within the investment contract by the server in conjunction with the investor terminal and the bank server; and the step of depositing the goods price into the account of the supplier terminal according to the settlement date within the goods / service supply contract by the server in conjunction with the supplier terminal and the bank server.

[0009] As an example related to the present invention, the method may further include a step of performing a payment function by adding the shortfall to the payment amount of the next payment at the business terminal when the payment amount at the business terminal does not meet the agreed amount and minimum margin set in relation to the business terminal by the server; and a step of performing an exercise of a right of subrogation based on at least one of the performed mortgage setting function, electronic bill notarization function, and comprehensive assignment contract function when the payment amount at the business terminal does not meet the agreed amount and minimum margin set in relation to the business terminal a preset number of times or more by the server.

[0010] As an example related to the present invention, when the investment period according to the investment contract expires, the server may further include a step of depositing an amount corresponding to the deposit previously provided from the business terminal into the server's account in conjunction with the business terminal and the bank server; and a step of depositing, by the server, the investment principal invested by the investor terminal into the investor terminal's account related to the investment contract.

[0011] A sales limit agreement management system according to an embodiment of the present invention may include a business terminal for registering business information; and a server for searching for business information satisfying preset conditions among a plurality of business information registered on a server, adjusting supply items and supply unit prices to be provided to a business corresponding to the business information based on the searched business information, calculating a deposit, an annual rate of return, a sales agreement amount, and a minimum margin to be provided to an investor or supplier in relation to the business corresponding to the business information based on the searched business information, and generating investment information including the calculated deposit, annual rate of return, sales agreement amount, and minimum margin.

[0012] The present invention adjusts the supply items and unit prices to be provided to a business terminal that satisfies conditions including preset financial resources, sales, etc., and then calculates a sales commitment amount, minimum margin, deposit, etc. to be provided to an investor or supplier, collects investment funds from investor terminals that have confirmed the calculated sales commitment amount, minimum margin, deposit, etc., and performs a supply contract or purchase commitment contract function by providing a portion of the collected investment funds as a deposit to the business terminal, and performs a settlement function according to the monthly payment amount at the business terminal, thereby enabling transparent and safe transactions of the business's goods and services, and has the effect of pursuing coexistence with various stakeholders through cost reduction and quality improvement, etc.

[0013] Figure 1 is a block diagram showing the configuration of a sales limit agreement management system according to an embodiment of the present invention.

[0014] Figures 2 and 3 are flowcharts illustrating a sales limit agreement management method according to an embodiment of the present invention.

[0015] It should be noted that the technical terms used in the present invention are used merely to describe specific embodiments and are not intended to limit the present invention. Furthermore, unless specifically defined otherwise herein, the technical terms used herein should be interpreted as having a meaning generally understood by those skilled in the art to which the present invention pertains, and should not be interpreted in an overly comprehensive or overly narrow sense. Furthermore, if a technical term used herein is incorrect and fails to accurately express the spirit of the present invention, it should be replaced with a technical term that can be correctly understood by those skilled in the art. Furthermore, general terms used herein should be interpreted according to their dictionary definitions or according to the context, and should not be interpreted in an overly narrow sense.

[0016] Additionally, singular expressions used in the present invention include plural expressions unless the context clearly dictates otherwise. Terms such as "consist of" or "include" in the present invention should not necessarily be construed to include all of the components or steps described in the invention, and should be construed to mean that some of the components or steps may not be included, or that additional components or steps may be included.

[0017] Additionally, terms including ordinal numbers, such as "first" and "second," used in the present invention may be used to describe components, but the components should not be limited by these terms. The terms are used solely to distinguish one component from another. For example, without departing from the scope of the present invention, a first component could be referred to as a second component, and similarly, a second component could also be referred to as a first component.

[0018] Hereinafter, a preferred embodiment of the present invention will be described in detail with reference to the attached drawings. Regardless of the drawing numbers, identical or similar components are given the same reference numbers and redundant descriptions thereof will be omitted.

[0019] Furthermore, when describing the present invention, detailed descriptions of related known technologies will be omitted if they are deemed to obscure the gist of the present invention. Furthermore, it should be noted that the attached drawings are intended solely to facilitate understanding of the spirit of the present invention and should not be construed as limiting the spirit of the present invention.

[0020] Figure 1 is a block diagram showing the configuration of a sales limit agreement management system (10) according to an embodiment of the present invention.

[0021] As illustrated in FIG. 1, the sales limit agreement management system (10) is comprised of a business terminal (100), a server (200), an investor terminal (300), and a supplier terminal (400). Not all components of the sales limit agreement management system (10) illustrated in FIG. 1 are essential components, and the sales limit agreement management system (10) may be implemented with more components than the components illustrated in FIG. 1, or with fewer components.

[0022] The above business terminal (100), the investor terminal (300) and the supplier terminal (400) are a smart phone, a portable terminal, a mobile terminal, a foldable terminal, a personal digital assistant (PDA), a portable multimedia player (PMP) terminal, a telematics terminal, a navigation terminal, a personal computer, a notebook computer, a slate PC, a tablet PC, an ultrabook, a wearable device (e.g., a smartwatch, a smart glass, a head mounted display (HMD), etc.), a Wibro terminal, an IPTV (Internet Protocol Television) terminal, a smart TV, a digital broadcasting terminal, an AVN (Audio Video Navigation) terminal, an A / V (Audio / Video) system, a flexible terminal, It can be applied to various terminals such as digital signage devices.

[0023] In the embodiment of the present invention, for convenience of explanation, the business terminal (100) that requests provision of goods and / or services, the investor terminal (300) that confirms business information registered in the server (200) and performs an investment function, and the supplier terminal (400) that confirms business information registered in the server (200) and performs a goods and / or service provision function are described separately, but the business terminal (100), the investor terminal (300), and the supplier terminal (400) may each perform the corresponding functions depending on the entity that performs the goods and / or service provision request function, the investment function, the goods and / or service provision function, etc.

[0024] The server (200) may be implemented in the form of a web server, a database server, a proxy server, etc. In addition, the server (200) may be installed with one or more of a network load distribution mechanism or various software that allows the server (200) to operate on the Internet or other networks, thereby enabling it to be implemented as a computerized system. In addition, the network may be an http network, a private line, an intranet, or any other network. Furthermore, the connection between the business terminal (100), the server (200), the investor terminal (300), and the supplier terminal (400) may be connected to a secure network so that data is not attacked by any hacker or other third party. In addition, the server (200) may include a plurality of database servers, and these database servers may be implemented in a manner in which they are separately connected to the server (200) through any type of network connection, including a distributed database server architecture.

[0025] Each of the business terminal (100), the server (200), the investor terminal (300), and the supplier terminal (400) may include a communication unit (not shown) for performing a communication function with other terminals, a storage unit (not shown) for storing various information and programs (or applications), a display unit (not shown) for displaying various information and program execution results, a voice output unit (not shown) for outputting voice information corresponding to the various information and program execution results, and a control unit (not shown) for controlling various components and functions of each terminal.

[0026] The above business terminal (100) communicates with the server (200), the investor terminal (300), the supplier terminal (400), etc. Here, the business terminal (100) may be a terminal possessed by a business (or user) (e.g., including business operators, users, guardians, recommenders, etc. of kindergartens, daycare centers, nursing homes, nursing hospitals, etc.) who wishes to receive the amount collected from the server (200) as a deposit in the form of an advance payment or long-term support fund, and perform payment and contract with a lump sum repayment at maturity, thereby stably receiving goods and / or services required by the business operator (or business) of the business terminal (100).

[0027] In addition, the business terminal (100) registers as a business (or user) to receive business information registration functions, investment contract functions based on business selection, deposit receipt functions based on investment contracts, product and / or service purchase functions based on investment contracts, payment functions based on purchases, contract extension functions based on expiration of contract period or deposit return functions, etc. through a dedicated app and / or website provided by the server (200) by linking with the server (200), and registers personal information, etc. in the server (200). At this time, the personal information includes an ID, email address, password (or password), name, gender, date of birth, contact information, address (or address information), etc.

[0028] In addition, the business terminal (100) may also register as a user on the server (200) by using SNS account information, third-party site account information, or mobile messenger account information that the user of the business terminal (100) has registered with. Here, the SNS account may be information related to Facebook, Twitter, Instagram, Kakao Story, Naver Blog, etc. In addition, the third-party site account may be information related to YouTube, Kakao, Naver, etc. In addition, the mobile messenger account may be information related to KakaoTalk, Line, Viber, WeChat, WhatsApp, Telegram, Snapchat, etc.

[0029] In addition, when performing the membership registration procedure, the business terminal (100) must complete the authentication function through a user authentication means (e.g., including a mobile phone, credit card, i-PIN, etc.) to normally complete the membership registration procedure for the server (200).

[0030] In addition, after the membership registration is completed, the business terminal (100) installs a dedicated app (or application / application program / specific app) provided from the server (200) on the business terminal (100) in order to use the service provided by the server (200). At this time, the dedicated app includes a native app, a mobile web app, a responsive web app (Mobile WebApp Design: RWD), an adaptive web app (Adaptive Web Design: AWD), a hybrid app, etc., and may be an app for performing a business information registration function, an investment contract function according to business selection, a deposit receipt function according to an investment contract, a product and / or service purchase function according to an investment contract, a payment function according to a purchase, a contract extension function or a deposit return function according to the expiration of the contract period, etc.

[0031] In addition, after membership registration is completed, the business terminal (100) can display a discount coupon provided by the server (200) through the dedicated app. At this time, the discount coupon may be a discount coupon that includes information on a certain percentage of discount when using the business information registration function provided by the server (200), the investment contract function based on business selection, the deposit receipt function based on the investment contract, the product and / or service purchase function based on the investment contract, the payment function based on the purchase, the contract extension function based on the expiration of the contract period, or the deposit return function.

[0032] In addition, the business terminal (100) performs a payment function according to a subscription function by linking with the server (200) and a payment server (not shown) to perform the functions provided by the server (200). At this time, the server (200) can perform a payment function through card payment, automatic transfer through linking with a bank payment account, payment using cash points or cash remaining in the account of the business terminal (100) that has registered as a member with the server (200), simple payment including Kakao Pay, Naver Pay, etc.

[0033] If payment fails, the business terminal (100) receives information indicating that the payment has failed (e.g., including insufficient balance, exceeded limit, etc.) transmitted from the server (200) (or the payment server), and outputs (or displays) information indicating that the received payment has failed.

[0034] In addition, the business terminal (100) receives the payment function execution result transmitted from the server (200) after the payment function is normally performed. Here, the payment function execution result includes information such as subscription period, payment amount, payment date, and time.

[0035] Additionally, the business terminal (100) displays (or outputs) the result of performing the received payment function.

[0036] In addition, the business terminal (100) may be provided with additional accumulation functions for family education expenses, points, etc., depending on the use of services provided by the server (200).

[0037] In addition, the business terminal (100) is linked with the server (200) to register business information including business registration certificate (or business registration number), sales, profit, collateral information, local tax payment certificate of representative, financial resources, national subsidy receipt details, income, four major insurance payment certificates, information on school-age children or elderly long-term care insurance recipients, types of transaction goods, types of transaction services, size of transaction goods, size of transaction services, credit rating, etc., in the server (200).

[0038] That is, in order to receive the deposit provision function, product and / or service provision function, etc. provided by the server (200), the business terminal (100) transmits the business information, registration application information, identification information of the business terminal (100), etc. related to the non-profit or for-profit organization (or institution / business) operated by the business operator of the business terminal (100) to the server (200). Here, the identification information of the business terminal (100) includes MDN (Mobile Directory Number), mobile IP, mobile MAC, SIM (subscriber identity module) card unique information, serial number, etc. In addition, the non-profit organization (or non-profit business operator) may include a private school, a private university, a university hospital, a union, an organization, etc.

[0039] In addition, in relation to the business information registered in the server (200), if the investment is successful, the business terminal (100) performs an investment contract function in the form of an electronic document by linking with the server (200), the investor terminal (300), the STO transaction system (not shown), etc.

[0040] In addition, the business terminal (100) performs functions such as setting up a mortgage in the form of an electronic document, notarizing an electronic bill, and entering into a comprehensive assignment contract in conjunction with the server (200), the investor terminal (300), and the notary server (not shown).

[0041] In addition, when the above investment contract function is normally terminated, the business terminal (100) is linked with the server (200) and the bank server (not shown) to receive (or receive / receive) the amount corresponding to the previously calculated deposit from among the investment funds deposited (or transferred) from the investor terminal (300) (or the entire investment funds deposited / collected from one or more investor terminals (300)) or the remaining amount after deducting the preset fee from the deposit into the account of the business terminal (100).

[0042] In addition, when the investment contract function is normally terminated, the business terminal (100) receives a result screen (or investment contract result screen) according to the performance of the investment contract function provided from the server (200).

[0043] Additionally, the business terminal (100) displays (or outputs) the received investment contract results screen. Here, the investment contract results screen includes business information, investor information, supply items, supply unit price, deposit, annual rate of return, investment amount, investment period, minimum margin (or rate of return) payment date, and the results of collateral establishment for real estate related to the business operator.

[0044] In addition, if the investment contract function fails, the business terminal (100) receives information indicating that the investment contract function with the corresponding investor terminal (300) has failed, provided from the server (200).

[0045] In addition, the business terminal (100) displays (or outputs) information indicating that the received investment contract function has failed (e.g., including the reason / cause of failure, solution, etc.).

[0046] In addition, the business terminal (100) receives goods and / or services provided (or supplied) from the server (200) or the supplier terminal (400) according to a goods / service supply contract between the server (200) and the supplier terminal (400).

[0047] Additionally, the business terminal (100) operates in conjunction with the server (200) and the payment server to perform a payment function for the payment amount corresponding to the purchased goods and quantity, based on the settlement date within the terms of the goods / service supply contract. Here, the settlement date (or payment date) can be set daily, weekly, monthly, quarterly, etc., or can be set to the 1st, 5th, 10th, or 15th of each month.

[0048] At this time, the business terminal (100) performs a product / service purchase function to satisfy the contract amount and / or minimum margin (or minimum margin rate) set in relation to the business terminal (100) on a monthly (or weekly / quarterly) basis in advance according to the product / service supply contract conditions.

[0049] In addition, the business terminal (100) receives payment function performance results provided from the server (200) (or the payment server / the National Tax Service server), electronic tax invoices in the form of electronic documents, etc.

[0050] In addition, the business terminal (100) displays (or outputs) the results of the payment function received, such as an electronic tax invoice in the form of an electronic document. Here, the results of the payment function execution include the name of the business operating the server (200), business registration number, address information, contact person phone number, payment amount, payment date and time information, etc.

[0051] In addition, when the investment period according to the investment contract expires, the business terminal (100) interworks with the server (200) and the bank server to deposit (or transfer) the previously provided (or deposited / paid / transferred) deposit into the account of the server (200).

[0052] In addition, when the investment period according to the investment contract expires, the business terminal (100) may perform a period extension function for the investment contract in conjunction with the server (200) and the investor terminal (300).

[0053] In this way, the business terminal (100) can reduce the cost of various teaching materials, food materials, etc. required for the business operated by the business operator through economies of scale, thereby establishing a structure and environment that can provide higher quality education, convenience facilities, etc. to the subjects belonging to the business.

[0054] In addition, in this way, the operator of the above-mentioned business terminal (100) operating a nursing home, nursing hospital, etc. can use the deposit provided from the above-mentioned server (200) to secure initial operating funds, conduct equipment leasing business, etc., issue asset-backed loans (ABL), and secure sales.

[0055] In an embodiment of the present invention, the business terminal (100) can perform various functions (e.g., business information registration function, investment contract function according to business selection, deposit receipt function according to investment contract, product and / or service purchase function according to investment contract, payment function according to purchase, contract extension function or deposit return function according to expiration of contract period, etc.) provided by the server (200) in the form of a dedicated app or website.

[0056] The above server (200) communicates with the business terminal (100), the investor terminal (300), the supplier terminal (400), etc.

[0057] In addition, the server (200) performs membership registration procedures for users such as the business terminal (100), the investor terminal (300), and the supplier terminal (400).

[0058] In addition, the server (200) registers personal information related to users of the business terminal (100), the investor terminal (300), the supplier terminal (400), etc. At this time, the server (200) can register (or manage) the personal information, etc. in a DB server (not shown).

[0059] In addition, the server (200) performs a member management function for users such as the business terminal (100), the investor terminal (300), and the supplier terminal (400).

[0060] In addition, the server (200) provides a dedicated app and / or website that provides a business information registration function, an investment contract function based on business selection, a deposit receipt function based on an investment contract, a product and / or service purchase function based on an investment contract, a payment function based on a purchase, a contract extension function or a deposit return function based on the expiration of the contract period, an investment information provision function, a deposit payment function based on an investment contract, a payment function corresponding to the minimum margin (or rate of return) to an investor based on an investment contract, a product and / or service condition registration function related to investment information, a product and / or service contract function based on supplier selection related to investment information, a product and / or service provision function based on a product and / or service contract, a product price settlement function based on the provision of a product and / or service, etc., to the business terminal (100), the investor terminal (300), the supplier terminal (400), etc. At this time, the server (200) may provide various information and / or functions to the business terminal (100), the investor terminal (300), the supplier terminal (400), etc., according to the personal information use consent form in the form of an electronic document set in advance in the business terminal (100), the investor terminal (300), the supplier terminal (400), etc.

[0061] In addition, the server (200) provides a bulletin board function for notices, events, etc.

[0062] In addition, the server (200) is linked with the business terminal (100), the investor terminal (300), the supplier terminal (400), and the payment server, and performs a payment function according to the subscription function performed in the business terminal (100), the investor terminal (300), the supplier terminal (400), etc., for the business information registration function provided by the server (200), the investment contract function according to the business selection, the deposit receiving function according to the investment contract, the product and / or service purchase function according to the investment contract, the payment function according to the purchase, the contract extension function or the deposit return function according to the expiration of the contract period, the investment information provision function, the deposit payment function according to the investment contract, the payment function corresponding to the minimum margin (or rate of return) to the investor according to the investment contract, the product and / or service condition registration function related to the investment information, the product and / or service contract function according to the supplier selection related to the investment information, the product and / or service provision function according to the product and / or service contract, and the product price settlement function according to the product and / or service provision.

[0063] If the payment function fails, the server (200) provides payment failure information (including, for example, payment date, payment amount, failure information (including, for example, insufficient balance, exceeded limit, etc.)) (or information indicating that payment has failed) to the business terminal (100), the investor terminal (300), the supplier terminal (400), etc.

[0064] In addition, after the payment function with the business terminal (100), the investor terminal (300), the supplier terminal (400), etc. is normally performed, the server (200) transmits the payment function performance results provided from the payment server to the business terminal (100), the investor terminal (300), the supplier terminal (400), etc. Here, the payment function performance results include subscription period, payment amount, payment date and time information, etc.

[0065] In addition, the server (200) manages (or stores / registers) the results of performing the payment function by mapping (or matching / linking) them to the corresponding business terminal (100) (or account information related to the corresponding business terminal (100), the corresponding investor terminal (300) (or account information related to the corresponding investor terminal (300), the corresponding supplier terminal (400) (or account information related to the corresponding supplier terminal (400), etc.).

[0066] In addition, the server (200) provides various information for performing the business information registration function provided by the server (200) through the dedicated app in the business terminal (100), the investor terminal (300), the supplier terminal (400), etc., according to the performance of the subscription function, the investment contract function according to the business selection, the deposit receiving function according to the investment contract, the product and / or service purchase function according to the investment contract, the payment function according to the purchase, the contract extension function or the deposit return function according to the expiration of the contract period, the investment information provision function, the deposit payment function according to the investment contract, the payment function corresponding to the minimum margin (or rate of return) to the investor according to the investment contract, the product and / or service condition registration function related to the investment information, the product and / or service contract function according to the selection of the supplier related to the investment information, the product and / or service provision function according to the product and / or service contract, the product price settlement function according to the product and / or service provision, etc.

[0067] In addition, the server (300) utilizes previously collected information on multiple business operators as data for continuous machine learning (or deep learning). Here, the input dataset for the machine learning can perform training and testing functions by dividing the information on multiple business operators into a training set and a test set at a preset ratio (e.g., including 7:3, 8:2, etc.). In addition, the input dataset for the machine learning includes information on multiple business operators to be collected later. In addition, the output dataset for the machine learning includes the supply items and unit prices to be provided to the relevant business operator by learning based on the information on multiple business operators, etc., and predicting them in the future, as well as the deposit, annual rate of return, sales commitment amount, minimum margin (or minimum margin rate), etc. to be provided to investors or suppliers in relation to the relevant business operator.

[0068] That is, the server (300) performs a learning function to generate (or predict / classify / confirm / adjust / predict / provide supply items, supply unit prices, etc. to be provided to the relevant business operator, etc., in relation to specific raw data, for a supply scale prediction model, an investment-related information prediction model, etc., through preset learning data, and to calculate (or produce / produce / predict) deposits, annual yields, sales commitment amounts, minimum margins (or minimum margin rates), etc. to be provided to investors or suppliers in relation to the relevant business operator. At this time, the server (300) stores raw data (or including specific business operator information of components, etc.) in parallel and in a distributed manner, refines unstructured data, structured data, and semi-structured data included in the stored raw data (or including learning data, etc.), performs preprocessing including classification as metadata, performs analysis including data mining on the preprocessed data, and performs learning, training, and testing based on at least one type of machine learning. Big data can be constructed. At this time, at least one type of machine learning can be comprised of one or a combination of at least one of supervised learning, semi-supervised learning, unsupervised learning, reinforcement learning, and deep reinforcement learning. Data mining can include classification, which predicts the class of new data by learning a training data set with known classes by exploring inherent relationships between preprocessed data, or clustering, which groups data based on similarity without class information.

[0069] In this way, the server (300) performs a learning function for the supply scale prediction model, the investment-related information prediction model, etc. in the form of a neural network or an artificial neural network through the learning data, etc.

[0070] In addition, the server (200) links with the business terminal (100) to register business information including business registration certificate (or business registration number), sales, profit, collateral information, local tax payment certificate of representative, financial resources, national subsidy receipt details, income, four major insurance payment certificates, information on school-age children or elderly long-term care insurance recipients, types of transaction goods, types of transaction services, size of transaction goods, size of transaction services, credit rating, etc., in the server (200).

[0071] That is, the server (200) receives the business information, registration application information, identification information of the business terminal (100), etc. transmitted from the business terminal (100).

[0072] In addition, the server (200) stores (or registers / manages) the received business information, registration application information, identification information of the business terminal (100), etc., in the server (200) (or a database (not shown) linked to the server (200) / the DB server).

[0073] In addition, the server (200) searches for (or sorts / verifies) one or more business information that satisfies (or satisfies) preset conditions among the plurality of business information registered in the server (200). At this time, the business information includes a business registration certificate (or business registration number), sales, profit, collateral information, a representative local tax payment certificate, financial resources, national subsidy receipt details, income, four major insurance payment certificates, information on school-age children or long-term care insurance recipients for the elderly, types of transaction goods, types of transaction services, scale of transaction goods, scale of transaction services, credit rating, etc., related to the business of the business terminal (100). In addition, the preset conditions include sales (e.g., KRW 1 billion or more, KRW 5 billion or more, etc.), preset financial resources (e.g., KRW 50 or more, KRW 100 or more, etc.), etc., preset by business field. Here, the business field includes kindergartens, daycare centers, nursing homes, nursing hospitals, etc. At this time, the server (200) can search for one or more business information satisfying the above conditions among multiple business information registered for a preset period (e.g., including one week, one month, one quarter, etc.).

[0074] In addition, the server (200) transmits (or provides) information indicating that the selection of a business operator has failed to a business terminal (100) corresponding to at least one business operator information that does not satisfy (or does not satisfy) the above conditions among the plurality of business operator information.

[0075] In addition, the server (200) adjusts (or calculates / sets) the supply items (e.g., including goods, services, etc.), supply unit prices, etc. to be provided to the business corresponding to the business information based on one or more of the searched (or sorted / confirmed) business information. Here, the supply items include teaching materials, food materials, etc., and the supply unit prices can be adjusted in consideration of the demand / production / supply schedules of the corresponding supply items by season and period, and can be configured (or considered) by day, week, month, and quarter, respectively.

[0076] At this time, the server (200) may perform artificial intelligence-based machine learning based on the searched business information, etc., and may generate (or predict / classify / confirm / adjust / produce) supply items, supply unit prices, etc. to be provided to the business based on the machine learning results.

[0077] That is, the server (200) performs machine learning (or artificial intelligence / deep learning) using the searched business information, etc. as input values ​​of a preset supply scale prediction model, and generates (or predicts / classifies / confirms / adjusts / produces) supply items, supply unit prices, etc. to be provided to the business based on the machine learning results (or artificial intelligence results / deep learning results).

[0078] In addition, the server (200) calculates (or calculates) the deposit, annual yield, sales commitment amount, minimum margin (or minimum margin rate), etc. to be provided to investors or suppliers, based on one or more searched (or sorted / verified) business information, for each business information. Here, the server (200) may apply the minimum sales commitment interest rate based on the deposit commitment size, credit rating, ESG product purchase, cooperation level, etc. of the business information. In addition, the server (200) may differentially apply the margin based on the collateral provider and credit rating, thereby increasing or decreasing the average margin rate income.

[0079] At this time, the server (200) may perform other artificial intelligence-based machine learning based on the searched business information, etc., and calculate (or produce / generate / predict) the deposit, annual yield, sales commitment amount, minimum margin (or minimum margin rate), etc. to be provided to investors or suppliers in relation to the business based on the other machine learning results.

[0080] That is, the server (200) performs other machine learning (or other artificial intelligence / other deep learning) using the searched business information, etc. as input values ​​of a preset investment-related information prediction model, and calculates (or produces / generates / predicts) the deposit, annual yield, sales commitment amount, minimum margin (or minimum margin rate), etc. to be provided to investors or suppliers in relation to the business based on the other machine learning results (or other artificial intelligence results / other deep learning results).

[0081] In this way, the server (200) can calculate (or estimate) the deposit equivalent to the agreed sales amount (or sales limit). Here, the deposit is not in the form of a loan, but rather in the form of an advance payment or long-term support. After the investment contract, the deposit is paid to the business terminal (100). Instead of receiving repayment until maturity, the purpose is to induce the business terminal to secure sales and / or a minimum margin equivalent to the deposit annually during the period. In this case, the monthly purchase limit (or minimum monthly purchase limit) relative to the deposit may be the deposit divided by 12 (or 12 months).

[0082] For example, if a supply / purchase contract has a deposit of 12 million won, orders / purchases of 1 million won per month are required, and a margin for this must be secured, and all of the margin is provided (or exposed) to consumers (or users).

[0083] For example, if the deposit is 12 million won and the minimum margin is 12%, the system is designed to secure at least one of the following conditions: monthly sales of 1 million won, and a monthly margin of 120,000 won on the 1 million won. Depending on the margin of the product being sold, sales could be 500,000 won instead of 1 million won, or 2 million won.

[0084] In addition, the server (200) generates (or manages / stores / registers) investment information including the calculated (or produced) deposit, annual yield, sales commitment amount, minimum margin (or minimum margin rate), etc. Here, the investment information includes the business information, the supplied items, the supply unit price, the deposit, the annual yield, the sales commitment amount, the minimum margin (or the minimum margin rate), etc. In this case, the sales commitment amount may be set in units of a preset period (e.g., including weekly, monthly, quarterly, yearly, etc.) in case there is no purchase by the business after the agreement, and may be an amount obtained by dividing the calculated deposit by the period (e.g., in case of monthly basis, deposit / 12 months). In addition, the minimum margin may be applied to the sales agreement amount as a preset minimum margin rate (e.g., 12%, 13%, 14%, 15%, 16%, etc.) in case there is no purchase by the business operator after the agreement. At this time, the server (200) may manage personal information (e.g., name, phone number, resident registration number, etc.) related to the business operator (or user) included in the investment information by blurring or masking it to protect personal information.

[0085] In addition, the server (200) provides (or transmits) one or more investment information managed by the server (200) to the investor terminal (300), the supplier terminal (400), etc. that are connected to the server (200).

[0086] In addition, when an investor wishes to invest in a specific investment information (or at least one investment information) among one or more investment information confirmed (or searched) in the investor terminal (300), the server (200) performs an investment contract function in the form of an electronic document by linking with a business terminal (100), the investor terminal (300), an STO (Security Token Offering) transaction system, etc. corresponding to the specific investment information. Here, the STO transaction system may be operated directly in the server (200) or configured as a separate system, and is operated by issuing blockchain-based tokens of real or financial assets, thereby ensuring stability of the investor's investment funds, providing recovery of the investment funds, registering investment products according to conditions, providing a monthly settlement function, and operating so that the investment rate of return fluctuates as the number of consumers increases. In addition, by providing the STO transaction system, the investor terminal (300) may also cash out the investment funds in real time.

[0087] In addition, the server (200) is linked with the investor terminal (300) and the bank server to deposit (or transfer / provide) the investment amount (or investment amount according to the investment contract) that the investor terminal (300) wishes to invest into an account set in advance by the server (200).

[0088] In addition, the server (200) performs functions such as setting up a mortgage in the form of an electronic document, notarizing an electronic bill, and performing a comprehensive assignment contract function in conjunction with the business terminal (100), the investor terminal (300), and the notary server.

[0089] In addition, when the investment contract function is normally terminated, the server (200) provides (or transmits) a result screen (or investment contract result screen) according to the performance of the investment contract function to the business terminal (100), the investor terminal (300), etc. related to the corresponding investment information (or the corresponding investment contract case). Here, the investment contract result screen includes business information, investor information, supplied items, supplied unit price, deposit, annual rate of return, investment amount, investment period, minimum margin (or rate of return) payment date, and the result of setting up a mortgage on real estate related to the business, etc. In addition, the investor information includes the investor's name, contact information, address, date of birth (or resident registration number), the investor's business registration certificate (or the investor's business registration number), etc.

[0090] In addition, if the investment contract function fails in one or more investor terminals (300) in relation to the investment information (or the investment contract), the server (200) provides (or transmits) information indicating that the investment contract function has failed (including, for example, the reason / cause of failure, a solution, etc.) to at least one investor terminal (300) that has failed the investment contract function in relation to the investment information (or the investment contract).

[0091] In addition, when the investment contract function is normally terminated, the server (200) interworks with the business terminal (100) and the bank server to deposit (or transfer) the amount corresponding to the previously calculated deposit from among the investment funds deposited (or transferred) from the investor terminal (300) (or the entire investment funds deposited / collected from one or more investor terminals (300)), or the remaining amount of the deposit after deducting a preset fee from the deposit, into the account of the business terminal (100). Here, the fee is set differently for each business entity, and may be determined by reflecting the collateral capacity (or collateral information), size (or sales volume / sales amount), credit rating, etc. in relation to the business entity of the business terminal (100).

[0092] In addition, when the server (200) performs an investment contract function related to one investment information, it provides the investment amount provided from one investor terminal (300) to be invested in full as an investment amount related to the one investment information.

[0093] In addition, when the server (200) performs an investment contract function related to one investment information, it provides investment funds provided from multiple investor terminals (300) to be invested as investment funds related to the one investment information.

[0094] In addition, the server (200) may provide investment funds provided from one investor terminal (300) to be distributed to multiple investment contracts in relation to multiple investment information according to the investor's selection of the investor terminal (300).

[0095] In this way, the server (200) agrees to purchase goods and / or services corresponding to the total amount of the deposit from the business terminal (100) (or the business operator of the business terminal (100)) according to the performance of the investment contract function in the business terminal (100), and can set (or contract) so that if the purchase amount corresponding to the total amount of the deposit is less than the total amount of the deposit, a payment obligation of the minimum guaranteed amount (e.g., determined according to the collateral capacity of the business terminal (100)) occurs.

[0096] In addition, in this way, the server (200) can be configured to acquire bonds, etc. to return the advance payment (or deposit) even when the business operator terminal (100) that operates a kindergarten, daycare center, etc. has confirmed sales and has a good cash flow due to the government subsidy, parent contribution, etc. being deposited monthly. Here, the sales limit agreement contract standard can be set to 100 or more people (or 50 or more people) for kindergartens, daycare centers, etc., and 99 or more beds for nursing homes, etc. In this case, the server (200) can be configured to allow the representative or operator of the business operator terminal (100) to perform a comprehensive assignment contract, issuance of a promissory note notarization, etc., and can perform a mortgage setting function for personal real estate (or real estate related to the business). Here, in the case of setting up a mortgage, when paying a deposit of 150 million won or more, it is set to secure at least 50% of the total deposit amount, and the sale price of a kindergarten is 2 to 7 billion won, and that of a nursing home is 5 to 7 billion won. Even when paying a deposit of 500 million won, it can be configured to be within 20% of the loan-to-value ratio (LTV).

[0097] In addition, when supplying goods and / or services for specific investment information (or at least one investment information) among one or more investment information confirmed (or searched) in the supplier terminal (400), the server (200) links with the supplier terminal (400) to register the goods / service supply conditions for the specific investment information in the server (200). Here, the goods / service supply conditions include the proposed supply price for each supply item considering the supply items, supply unit price, etc. according to the investment information. At this time, the supplier terminal (400) may register the goods / service supply conditions for all goods (or all supply items) among all goods and / or services related to the specific investment information in the server (200), or may register the goods / service supply conditions for some goods (or some supply items) among all goods and / or services related to the specific investment information in the server (200).

[0098] In addition, the server (200) selects (or selects) a specific product / service supply condition (or at least one specific product / service supply condition) from among one or more product / service supply conditions registered in the server (200) in relation to specific investment information (or investment information related to the business terminal (100). At this time, the server (200) may select a product / service supplier related to the specific investment information based on a product / service supply condition that proposes a minimum price, a product / service supply condition that satisfies a preset reference price range, a product / service supply condition that satisfies a price within a preset error range (e.g., including 10%, 15%, etc.) from the adjusted supply unit price for each supply item, etc. Here, the server (200) may select a specific product / service supply condition related to the specific investment information from among one or more product / service supply conditions registered (or collected) during a preset period (e.g., including 3 days, 1 week, 1 month, etc.) after the specific investment information is registered in the server (200).

[0099] In addition, the server (200) performs a product / service supply contract function (or purchase agreement contract function / sales limit agreement contract function, etc.) in the form of an electronic document by linking with a specific supplier terminal (400) that has registered the selected (or selected) specific product / service supply conditions. At this time, the server (200) may, through consultation with the specific supplier terminal (400), set the required purchase products / services when entering into the product / service supply contract, and the competitiveness of the supplied product may be the responsibility of the supplier of the corresponding supplier terminal (400).

[0100] In addition, when the goods / service supply contract function is normally terminated, the server (200) provides (or transmits) a result screen (or goods / service supply contract result screen) according to the performance of the goods / service supply contract function to the business terminal (100), supplier terminal (400), etc. related to the supply contract function. Here, the goods / service supply contract result screen includes business information, supplier information, final supply item, final supply unit price, supply cycle (e.g., including weekdays, daily, etc.), contract period, settlement date (or payment date), sales agreement amount, minimum margin (or minimum margin rate), etc. In addition, the supplier information includes the supplier name, contact information, address, supplier's business registration certificate (or supplier's business registration number), etc.

[0101] In addition, the server (200) provides (or transmits) information indicating that the goods / service supply contract function has failed (including, for example, the proposed goods / service supply conditions, the finally selected goods / service supply conditions, etc.) to at least one supplier terminal (400) that has failed to enter into a contract for the goods / service supply contract among one or more supplier terminals (400) that have registered goods / service supply conditions in relation to the specific investment information.

[0102] In addition, the server (200) provides goods and / or services provided from the supplier terminal (400) to the business terminal (100) according to the goods / service supply contract. At this time, goods and / or services may be directly provided from the supplier terminal (400) to the business terminal (100) according to the goods / service supply contract related to the investment information, and the supplier terminal (400) may provide a goods supply contract according to the direct provision of goods and / or services from the supplier terminal (400) to the business terminal (100) to the server (200) and / or the business terminal (100).

[0103] Additionally, the server (200) operates in conjunction with the business terminal (100) and the payment server to perform a payment function for the payment amount corresponding to the purchased goods and quantity, based on the settlement date within the terms of the goods / service supply contract. Here, the settlement date (or payment date) can be set daily, weekly, monthly, quarterly, etc., or can be set to the 1st, 5th, 10th, or 15th of each month.

[0104] Here, the business terminal (100) can perform a payment function using the deposit previously provided. At this time, instead of directly receiving the deposit from the business terminal (100), the server (200) may be configured to deduct the payment amount corresponding to the purchased item and quantity from the accumulated deposit while accumulating the deposit or a portion of the deposit in the account of the business terminal (100) in the server (200) (or in a deposit state).

[0105] In addition, if the payment amount at the business terminal (100) in relation to the payment month (or weekly / quarterly) does not meet the contract amount and / or minimum margin set in relation to the business terminal (100), the server (200) performs a payment function by adding the shortfall in the contract amount and / or minimum margin among the payment amounts of the previous month in the following month to the payment amount at the business terminal (100) in the following month (or next installment / next payment date). At this time, if the payment amount at the business terminal (100) each month does not meet the agreed amount and / or minimum margin set in relation to the business terminal (100) more than a preset number of times (e.g., 3 times in a row or more, 3 times in total or more, etc.), the server (200) may proceed (or perform) with a seizure procedure, exercise of subrogation right, etc. targeting the business terminal (100) according to the previously performed mortgage setting function, electronic bill notarization function, comprehensive assignment contract function, etc. In addition, the server (200) may recover the full amount of the unpaid amount through bill presentation, mortgage execution, comprehensive assignment and management right acquisition, subrogation claim, etc.

[0106] In addition, the server (200) performs an electronic tax invoice issuance function for the payment amount paid by the business terminal (100) in conjunction with the National Tax Service server (not shown). At this time, the server (200) may also perform an electronic tax invoice issuance function for the payment amount paid by the business terminal (100) in conjunction with the supplier terminal (400) that provided the goods and / or services and the National Tax Service server.

[0107] In this way, even if multiple debtors arise, the server (200) can secure sales through the amount divided and executed for each kindergarten, nursing home, etc., so that it can be operated in a way that makes full default impossible.

[0108] In addition, even if 1% to 2% of all traders (or business operators) default, the server (200) can secure the ability to recover receivables with a deposit of 5% of the payment guarantee secured by the server (200), which is the operator, and monthly retained earnings.

[0109] In addition, the server (200) is linked with the investor terminal (300) and the bank server to pay (or deposit) an amount corresponding to the minimum margin (or rate of return) to the investor terminal (300) (or the investor's account information of the investor terminal (300)) according to the minimum margin (or rate of return) payment date within the investment contract.

[0110] That is, the server (200) is linked with the investor terminal (300) and the bank server, and pays (or deposits / provides) an amount corresponding to the minimum margin (or rate of return) to one or more investor terminals (300) that have invested in the specific investment information on the minimum margin (or rate of return) payment date according to the investment contract contents of the specific investment information.

[0111] At this time, even if the payment amount of the business terminal (100) corresponding to the specific investment information does not meet the agreed amount and / or minimum margin set in relation to the business terminal (100), the server (200) may use the deposit amount and / or monthly retained earnings being operated (or managed) by the server (200) to pay an amount corresponding to the minimum margin (or rate of return) to one or more investor terminals (300) related to the specific investment information.

[0112] In addition, the server (200) interworks with the bank server to pay (or deposit) the price (or product price) for the product / service supply to the supplier terminal (400) (or the supplier's account information of the supplier terminal (400)) according to the settlement date within the product / service supply contract. At this time, the server (200) deposits (or transfers) the remaining amount (or product price) after deducting other preset fees from the payment amount paid by the business terminal (100) according to the product / service supply contract into the account of the supplier terminal (400).

[0113] That is, the server (200) is linked with the bank server to pay (or deposit) money to one or more supplier terminals (400) that have provided goods and / or services for the specific investment information on the settlement date for goods / services according to the goods / service supply contract for the specific investment information.

[0114] In addition, when the investment period according to the investment contract expires, the server (200) links with the business terminal (100) and the bank server to receive (or deposit) the deposit (or the amount corresponding to the deposit) previously provided (or deposited / paid / transferred) from the business terminal (100) into the account of the server (200).

[0115] In addition, the server (200) is linked with the bank server to deposit (or transfer) the provided (or deposited) deposit (or investment principal invested by the investor terminal (300)) into the account of one or more investor terminals (300) related to the investment contract (or the investor's account of the investor terminal (300)).

[0116] In this way, the server (200) uses the sale of goods and / or services as a source of revenue, generates revenue through securing a minimum margin compared to investment assets and sales revenue, provides a deposit in the form of an advance payment or long-term support fund to the business operator, manages the investment contract with a preset investment period (e.g., including 1 year, 3 years, 5 years, etc.), provides the investor with a preset annual rate of return (e.g., approximately 15%), manages collateral through nursing care benefits, real estate mortgages, promissory notes, and platform operator subrogation, and provides additional businesses such as factoring, supply chain finance (SCF), and additional revenue from future bond-secured loans, and can conduct STO transactions through a trust company, increase revenue by increasing the investment amount and number of business partners, and generate additional revenue by reducing the purchase price due to cost reduction.

[0117] In addition, the server (200) operates a welfare mall server (not shown) by accumulating purchase data by family unit for users belonging to the business terminal (100), which corresponds to many families who do not receive welfare mall benefits, if the users are self-employed, employees of small companies, or unemployed, but have children or parents attending kindergartens, nursing homes, etc., the server (200) may generate additional profits by accumulating purchase data by family unit.

[0118] In addition, the server (200) may be operated to provide a deposit of between 5 million won and 30 million won to not only the non-profit business operator but also an ordinary individual based on the individual's credit rating, collateral information, etc.

[0119] The investor terminal (300) communicates with the business terminal (100), the server (200), the supplier terminal (400), etc. Here, the investor terminal (300) may be a terminal possessed by an investor (or user) who invests investment funds for an investment case corresponding to at least one investment piece of information, based on investor selection (or investor input / touch / control) of the investor terminal (300), after confirming one or more investment pieces of information registered in the server (200).

[0120] In addition, the investor terminal (300) registers as an investor (or user) to receive functions such as investment information provision, investment contract function according to operator selection, deposit payment function according to investment contract, payment function corresponding to minimum margin (or rate of return) to investors according to investment contract, contract extension function or deposit return function according to expiration of contract period, etc. through linkage with the server (200), and registers personal information, etc. in the server (200). At this time, the personal information includes ID, email address, password (or password), name, gender, date of birth, contact information, address (or address information), etc.

[0121] In addition, the investor terminal (300) may register as a user on the server (200) using information on a social networking service (SNS) account, a third-party website account, or a mobile messenger account to which the user of the investor terminal (300) has subscribed. The SNS account may be information related to Facebook, Twitter, Instagram, Kakao Story, Naver Blog, etc. Furthermore, the third-party website account may be information related to YouTube, Kakao, Naver, etc. Furthermore, the mobile messenger account may be information related to KakaoTalk, Line, Viber, WeChat, WhatsApp, Telegram, Snapchat, etc.

[0122] In addition, when performing the membership registration procedure, the investor terminal (300) must complete the authentication function through a personal authentication means (e.g., including a mobile phone, credit card, i-PIN, etc.) to normally complete the membership registration procedure for the server (200).

[0123] In addition, after membership registration is completed, the investor terminal (300) installs a dedicated app (or application / application program / specific app) provided by the server (200) on the investor terminal (300) in order to use the service provided by the server (200). At this time, the dedicated app includes a native app, a mobile web app, a responsive web app, an adaptive web app, a hybrid app, etc., and may be an app for performing an investment information provision function, an investment contract function according to business operator selection, a deposit payment function according to an investment contract, a payment function corresponding to the minimum margin (or rate of return) to an investor according to an investment contract, a contract extension function or a deposit return function according to the expiration of the contract period, etc.

[0124] In addition, after membership registration is completed, the investor terminal (300) can display a discount coupon provided by the server (200) through the dedicated app. At this time, the discount coupon may be a discount coupon that includes discount information of a certain percentage when using the investment information provision function provided by the server (200), the investment contract function according to business operator selection, the deposit payment function according to the investment contract, the payment function corresponding to the minimum margin (or rate of return) to the investor according to the investment contract, the contract extension function according to the expiration of the contract period, or the deposit return function.

[0125] In addition, the investor terminal (300) performs a payment function according to a subscription function by linking with the server (200) and the payment server in order to perform the functions provided by the server (200). At this time, the server (200) can perform the payment function through card payment, automatic transfer through linking with a bank payment account, payment using cash points or cash remaining in the account of the investor terminal (300) registered with the server (200), simple payment including Kakao Pay, Naver Pay, etc.

[0126] If payment fails, the investor terminal (300) receives information indicating that the payment has failed (e.g., including insufficient balance, exceeded limit, etc.) transmitted from the server (200) (or the payment server), and outputs (or displays) information indicating that the received payment has failed.

[0127] In addition, the investor terminal (300) receives the payment function execution result transmitted from the server (200) after the payment function is normally performed. Here, the payment function execution result includes information such as the subscription period, payment amount, payment date, and time.

[0128] Additionally, the investor terminal (300) displays (or outputs) the result of performing the received payment function.

[0129] Additionally, the investor terminal (300) checks (or searches) one or more investment information registered in the server (200).

[0130] That is, the investor terminal (300) connects to the server (200) and checks (or searches) one or more investment information registered in the server (200).

[0131] In addition, when an investor wishes to invest in a specific investment information (or at least one investment information) among one or more investment information confirmed (or searched) above, the investor terminal (300) performs an investment contract function in the form of an electronic document by linking with a business terminal (100), the server (200), an STO (Security Token Offering) transaction system (not shown), etc. corresponding to the specific investment information.

[0132] At this time, the investor terminal (300) may perform an investment contract function for one investment information among the one or more investment information confirmed above, or may perform multiple investment contract functions for multiple investment information.

[0133] In addition, the investor terminal (300) is linked with the server (200) and the bank server to deposit (or transfer / provide) the investment amount (or investment amount according to the investment contract) that the investor terminal (300) wishes to invest into an account set in advance by the server (200).

[0134] In addition, the investor terminal (300) performs functions such as setting up a mortgage in the form of an electronic document, notarizing an electronic bill, and entering into a comprehensive assignment contract in conjunction with the business terminal (100), the server (200), and the notary server (not shown).

[0135] In addition, when the investment contract function is normally terminated, the investor terminal (300) receives a result screen (or investment contract result screen) according to the execution of the investment contract function provided from the server (200).

[0136] Additionally, the investor terminal (300) displays (or outputs) the received investment contract results screen. Here, the investment contract results screen includes business information, investor information, supply items, supply unit prices, deposits, annual yields, investment amounts, investment periods, minimum margin (or rate of return) payment dates, and mortgage settings for real estate related to the business. Furthermore, the investor information includes the investor's name, contact information, address, date of birth (or resident registration number), the investor's business registration certificate (or the investor's business registration number), etc.

[0137] In addition, when the investment contract function fails, the investor terminal (300) receives information indicating that the investment contract function provided from the server (200) has failed, and displays (or outputs) information indicating that the received investment contract function has failed (including, for example, the reason / cause of failure, a solution, etc.).

[0138] In this way, the investor terminal (300) can directly perform investment functions or STO transaction functions through the server (200) in relation to specific investment information. At this time, the investor terminal (300) can determine an investment target (or business / investment information) by considering deviations in collateral capacity, rate of return (or annual yield), etc. compared to the deposit.

[0139] In addition, the investor terminal (300) may receive an amount corresponding to the minimum margin (or rate of return) according to the annual rate of return every month (or in preset period units) in relation to the investment contract in the form of a fixed minimum margin (or rate of return) receipt, or may acquire a certain percentage of shares related to the business of the business operator terminal (100) in the form of a share acquisition instead of an amount corresponding to the minimum margin (or rate of return).

[0140] In addition, the investor terminal (300) receives (or transfers / provides) an amount corresponding to the minimum margin (or rate of return) from the investor terminal (300) (or the investor's account information of the investor terminal (300)) in connection with the server (200) and the bank server in connection with the investment contract related to the investment information, according to the minimum margin (or rate of return) payment date within the investment contract.

[0141] In addition, when the investment period according to the investment contract expires, the investor terminal (300) is linked with the server (200) and the bank server to receive (or transfer / provide) the deposit related to the investment contract invested by the investor terminal (300) from the server (200) to the investor terminal (300) (or the investor's account information of the investor terminal (300).

[0142] In an embodiment of the present invention, the investor terminal (300) can perform various functions (e.g., investment information provision function, investment contract function according to operator selection, deposit payment function according to investment contract, payment function corresponding to minimum margin (or rate of return) to investor according to investment contract, contract extension function according to expiration of contract period or deposit return function, etc.) provided by the server (200) in the form of a dedicated app or website.

[0143] The above supplier terminal (400) communicates with the business terminal (100), the server (200), the investor terminal (300), etc. Here, the supplier terminal (400) may be a terminal possessed by a supplier (or user) for providing one or more goods and / or services in relation to the investment information based on the investment information registered in the server (200).

[0144] In addition, the supplier terminal (400) registers as a supplier (or user) to receive functions such as investment information provision function, product and / or service condition registration function related to investment information, product and / or service contract function according to supplier selection related to investment information, product and / or service provision function according to product and / or service contract, product price settlement function according to product and / or service provision, etc. through a dedicated app and / or website provided by the server (200) by linking with the server (200), and registers personal information, etc. in the server (200). At this time, the personal information includes an ID, email address, password (or password), name, gender, date of birth, contact information, address (or address information), etc.

[0145] In addition, the supplier terminal (400) may register as a user on the server (200) by using SNS account information, third-party site account information, or mobile messenger account information that the user of the supplier terminal (400) has registered with. Here, the SNS account may be information related to Facebook, Twitter, Instagram, Kakao Story, Naver Blog, etc. In addition, the third-party site account may be information related to YouTube, Kakao, Naver, etc. In addition, the third-party site account may be information related to YouTube, Kakao, Naver, etc. In addition, the mobile messenger account may be information related to KakaoTalk, Line, Viber, WeChat, WhatsApp, Telegram, Snapchat, etc.

[0146] In addition, when performing the membership registration procedure, the supplier terminal (400) must complete the authentication function through a user authentication means (e.g., including a mobile phone, credit card, i-PIN, etc.) to normally complete the membership registration procedure for the server (200).

[0147] In addition, after membership registration is completed, the supplier terminal (400) installs a dedicated app (or application / application program / specific app) provided by the server (200) on the supplier terminal (400) in order to use the service provided by the server (200). At this time, the dedicated app includes a native app, a mobile web app, a responsive web app, an adaptive web app, a hybrid app, etc., and may be an app for performing an investment information provision function, a product and / or service condition registration function related to investment information, a product and / or service contract function according to supplier selection related to investment information, a product and / or service provision function according to a product and / or service contract, a product price settlement function according to the product and / or service provision, etc.

[0148] In addition, after membership registration is completed, the supplier terminal (400) can display a discount coupon provided by the server (200) through the dedicated app. At this time, the discount coupon may be a discount coupon that includes information on a certain percentage of discount when using the investment information provision function provided by the server (200), the product and / or service condition registration function related to investment information, the product and / or service contract function according to supplier selection related to investment information, the product and / or service provision function according to the product and / or service contract, the product price settlement function according to the product and / or service provision, etc.

[0149] In addition, the supplier terminal (400) performs a payment function according to a subscription function by linking with the server (200) and the payment server in order to perform the functions provided by the server (200). At this time, the server (200) can perform a payment function through card payment, automatic transfer through linking with a bank payment account, payment using cash points or cash remaining in the account of the supplier terminal (400) that has registered as a member with the server (200), simple payment including Kakao Pay, Naver Pay, etc.

[0150] If payment fails, the supplier terminal (400) receives information indicating that the payment has failed (e.g., including insufficient balance, exceeded limit, etc.) transmitted from the server (200) (or the payment server), and outputs (or displays) information indicating that the received payment has failed.

[0151] In addition, the supplier terminal (400) receives the payment function execution result transmitted from the server (200) after the payment function is normally performed. Here, the payment function execution result includes information such as subscription period, payment amount, payment date, and time.

[0152] Additionally, the supplier terminal (400) displays (or outputs) the result of performing the received payment function.

[0153] Additionally, the supplier terminal (400) checks (or searches) one or more investment information registered in the server (200).

[0154] That is, the supplier terminal (400) connects to the server (200) and checks (or searches) one or more investment information registered in the server (200).

[0155] In addition, when supplying goods and / or services for specific investment information (or at least one investment information) among one or more investment information confirmed (or searched), the supplier terminal (400) links with the server (200) to register the goods / service supply conditions corresponding to the specific investment information in the server (200). Here, the goods / service supply conditions include the supply proposed unit price for each supply item considering the supply items, supply unit price, etc. according to the investment information. At this time, the supplier terminal (400) may register the goods / service supply conditions for all goods (or all supply items) among all goods and / or services related to the specific investment information in the server (200), or may register the goods / service supply conditions for some goods (or some supply items) among all goods and / or services related to the specific investment information in the server (200).

[0156] In addition, in relation to the goods / service supply conditions related to specific investment information registered in the server (200) at the supplier terminal (400), when the goods / service supply conditions registered in the supplier terminal (400) at the server (200) are selected as the goods / service supplier related to the specific investment information, the supplier terminal (400) performs a goods / service supply contract function (or purchase agreement contract function / sales limit agreement contract function, etc.) in the form of an electronic document in conjunction with the server (200).

[0157] In addition, when the goods / service supply contract function is normally terminated, the specific supplier terminal (400) receives a result screen (or goods / service supply contract result screen) according to the performance of the goods / service supply contract function provided from the server (200).

[0158] In addition, the specific supplier terminal (400) displays (or outputs) the received goods / service supply contract result screen. Here, the goods / service supply contract result screen includes business information, supplier information, final supply items, final supply unit price, supply cycle (e.g., weekdays, daily, etc.), contract period, settlement date (or payment date), sales agreement amount, minimum margin (or minimum margin rate), etc. In addition, the supplier information includes the supplier name, contact information, address, the supplier's business registration certificate (or the supplier's business registration number), etc.

[0159] In addition, in relation to the goods / service supply conditions related to specific investment information registered in the server (200) at the supplier terminal (400), if the goods / service supply conditions registered in the supplier terminal (400) at the server (200) are not selected as the goods / service provider related to the specific investment information, the supplier terminal (400) receives information indicating that the goods / service supply contract function provided from the server (200) has failed, and displays (or outputs) information indicating that the received goods / service supply contract function has failed (e.g., including the proposed goods / service supply conditions, the finally selected goods / service supply conditions, etc.).

[0160] In addition, according to the goods / service supply contract, the supplier terminal (400) directly provides one or more goods and / or services according to the contents of the goods / service supply contract to the business terminal (100) or provides them to the business terminal (100) through the server (200).

[0161] In addition, the supplier terminal (400) provides a product supply contract for the provision of one or more products and / or services to the server (200) and / or the business terminal (100).

[0162] Additionally, the supplier terminal (400) performs an electronic tax invoice issuance function for the payment amount corresponding to the goods supply contract in conjunction with the National Tax Service server. At this time, the supplier terminal (400) may issue an electronic tax invoice to the server (200) or to the business terminal (100) according to the contract terms.

[0163] In addition, the supplier terminal (400) receives (or transfers / provides) payment (or payment for goods) for the supply of goods / services from the server (200) to the supplier terminal (400) (or the account information of the supplier of the supplier terminal (400)) according to the settlement date within the goods / service supply contract.

[0164] In an embodiment of the present invention, the supplier terminal (400) can perform various functions (e.g., investment information provision function, product and / or service condition registration function related to investment information, product and / or service contract function according to supplier selection related to investment information, product and / or service provision function according to product and / or service contract, product price settlement function according to product and / or service provision, etc.) provided by the server (200) in the form of a dedicated app or website.

[0165] In this way, after adjusting the supply items and unit prices to be provided to business terminals that satisfy conditions including preset financial resources, sales, etc., the sales commitment amount, minimum margin, deposit, etc. to be provided to investors or suppliers are calculated, investment funds are collected from investor terminals that have confirmed the calculated sales commitment amount, minimum margin, deposit, etc., and a supply contract or purchase commitment contract function is performed by providing a portion of the collected investment funds as a deposit to the business terminal, and a settlement function according to the monthly payment amount at the business terminal can be performed.

[0166] Hereinafter, a sales limit agreement management method according to the present invention will be described in detail with reference to FIGS. 1 to 3.

[0167] Figures 2 and 3 are flowcharts illustrating a sales limit agreement management method according to an embodiment of the present invention.

[0168] First, the server (200) searches for (or sorts / verifies) one or more business information that satisfies (or satisfies) preset conditions among the plurality of business information registered in the server (200). At this time, the business information includes a business registration certificate (or business registration number), sales, profit, collateral information, local tax payment certificate of the representative, financial resources, national subsidy receipt details, income amount, four major insurance payment certificates, information on school-age children or long-term care insurance recipients for the elderly, types of transaction goods, types of transaction services, scale of transaction goods, scale of transaction services, credit rating, etc., related to the business of the business terminal (100). In addition, the preset conditions include sales (e.g., KRW 1 billion or more, KRW 5 billion or more, etc.), preset financial resources (e.g., KRW 50 or more, KRW 100 or more, etc.), etc., preset by business field. Here, the business fields include kindergartens, daycare centers, nursing homes, nursing hospitals, etc. At this time, the server (200) can search for one or more business information satisfying the above conditions among multiple business information registered for a preset period (e.g., including one week, one month, one quarter, etc.).

[0169] For example, the server (200) searches for third-party business information corresponding to kindergarten A, which has sales of 1 billion won or more and has 50 or more financial resources, among the multiple business information registered in the server (200) (S210).

[0170] Thereafter, the server (200) adjusts (or calculates / sets) the supply items (e.g., including goods, services, etc.), supply unit prices, etc. to be provided to the business operators corresponding to the business operator information based on one or more of the searched (or sorted / confirmed) business operator information. Here, the supply items include teaching materials, food materials, etc., and the supply unit prices can be adjusted in consideration of the demand / production / supply schedules of the corresponding supply items by season and period, and can be configured (or considered) by day, week, month, and quarter, respectively.

[0171] For example, the server (200) adjusts the supply unit price for daily teaching materials, daily food materials, etc. to be supplied to the corresponding kindergarten A based on the searched third-party business information (S220).

[0172] Thereafter, the server (200) calculates (or produces) for each business information, based on one or more business information searched (or sorted / confirmed), the deposit, annual yield, sales commitment amount, minimum margin (or minimum margin rate), etc. to be provided to investors or suppliers in relation to the business information corresponding to the business information.

[0173] In addition, the server (200) generates (or manages / stores / registers) investment information including the calculated (or produced) deposit, annual yield, sales commitment amount, minimum margin (or minimum margin rate), etc. Here, the investment information includes the business information, the supplied items, the supply unit price, the deposit, the annual yield, the sales commitment amount, the minimum margin (or the minimum margin rate), etc. In this case, the sales commitment amount may be set in units of a preset period (e.g., including weekly, monthly, quarterly, yearly, etc.) in case there is no purchase by the business after the agreement, and may be an amount obtained by dividing the calculated deposit by the period (e.g., in case of monthly basis, deposit / 12 months). In addition, the minimum margin may be applied to the sales agreement amount in advance (e.g., 12%, 13%, 14%, 15%, 16%, etc.) in case there is no purchase by the business operator after the agreement.

[0174] For example, the server (200) calculates, based on the retrieved third-party business information, a third deposit (e.g., KRW 330 million), a third sales agreement amount (e.g., KRW 330 million corresponding to the third deposit), a third minimum margin (e.g., KRW 39,600,000 corresponding to 12% of the third sales agreement amount or 12%, which is the third minimum margin rate corresponding to the third minimum margin), a third annual rate of return (e.g., 15%), etc. to be provided to investors or suppliers in relation to the A kindergarten.

[0175] In addition, the server (200) generates third investment information including the third business operator information, the adjusted daily teaching materials, daily food materials, etc. supply unit price according to the third business operator information, the calculated third deposit (e.g., KRW 330 million), the calculated third sales agreement amount (e.g., KRW 330 million corresponding to the third deposit), the calculated third minimum margin (e.g., KRW 39,600,000 corresponding to 12% of the third sales agreement amount or 12%, which is the third minimum margin rate corresponding to the third minimum margin), the calculated third annual rate of return (e.g., 15%), etc., and stores the generated third investment information (S230).

[0176] Thereafter, the investor terminal (300) checks (or searches) one or more investment information registered in the server (200).

[0177] That is, the investor terminal (300) connects to the server (200) and checks (or searches) one or more investment information registered in the server (200).

[0178] In addition, when an investor wishes to invest in a specific investment information (or at least one investment information) among one or more investment information confirmed (or searched) above, the investor terminal (300) performs an investment contract function in the form of an electronic document by linking with a business terminal (100), the server (200), an STO (Security Token Offering) transaction system (not shown), etc. corresponding to the specific investment information.

[0179] In addition, the investor terminal (300) is linked with the server (200) and a bank server (not shown) to deposit (or transfer / provide) the investment amount (or investment amount according to the investment contract) that the investor terminal (300) wishes to invest into an account set in advance by the server (200).

[0180] In addition, the investor terminal (300) performs functions such as setting up a mortgage in the form of an electronic document, notarizing an electronic bill, and entering into a comprehensive assignment contract in conjunction with the business terminal (100), the server (200), and the notary server (not shown).

[0181] In addition, when the investment contract function is normally terminated, the investor terminal (300) receives a result screen (or investment contract result screen) according to the execution of the investment contract function provided from the server (200) and displays (or outputs) the received investment contract result screen. Here, the investment contract result screen includes business information, investor information, supplied items, supplied unit price, deposit, annual rate of return, investment amount, investment period, minimum margin (or rate of return) payment date, and the result of setting up a mortgage on real estate related to the business, etc. In addition, the investor information includes the investor's name, contact information, address, date of birth (or resident registration number), the investor's business registration certificate (or the investor's business registration number), etc.

[0182] In addition, when the above investment contract function is normally terminated, the server (200) interlocks with the business terminal (100) and the bank server to deposit (or transfer) the amount corresponding to the previously calculated deposit from among the investment funds deposited (or transferred) from the investor terminal (300) (or the entire investment funds deposited / collected from one or more investor terminals (300)), or the remaining amount after deducting a preset fee from the deposit, into the account of the business terminal (100).

[0183] In addition, when the above investment contract function is normally terminated, the business terminal (100) receives (or receives deposit) from the server (200) the amount corresponding to the previously calculated deposit or the remaining amount of the deposit after deducting the preset fee from the account of the business terminal (100).

[0184] In addition, when the investment contract function is normally terminated, the business terminal (100) receives a result screen (or investment contract result screen) according to the execution of the investment contract function provided from the server (200) and displays (or outputs) the received investment contract result screen. Here, the investment contract result screen includes business information, investor information, supply items, supply unit price, deposit, annual rate of return, investment amount, investment period, minimum margin (or rate of return) payment date, and the result of setting a mortgage on real estate related to the business, etc.

[0185] For example, the 7th investor terminal (300) connects to the server (200) and checks the 1st to 10th investment information registered in the server (200).

[0186] In addition, when investing in the third investment information among the first to tenth investment information confirmed above, the seventh investor terminal performs an investment contract function in the form of an electronic document by linking with the third business terminal corresponding to the third investment information, the server (200), and the STO transaction system.

[0187] In addition, the seventh investor terminal, in conjunction with the server (200) and the bank server, deposits 330 million won corresponding to the third deposit according to the third investment information into an account set by the server (200).

[0188] In addition, the seventh investor terminal, in conjunction with the third business operator terminal, the server (200), and the notary server, performs a mortgage setting function in the form of an electronic document for the building of Kindergarten A according to the collateral capacity provided by the third business operator terminal.

[0189] In addition, when the investment contract function is normally terminated, the server (200) provides the seventh investment contract result screen according to the performance of the investment contract function to the third business operator terminal, the seventh investor terminal, etc.

[0190] In addition, each of the third business operator terminal and the seventh investor terminal receives a seventh investment contract result screen according to the performance of the investment contract function provided from the server (200) and displays the received seventh investment contract result screen.

[0191] In addition, the server (200) links with the third-party business terminal and the bank server to deposit the remaining amount (e.g., 330 million won * 85% = 280,500,000 won) after deducting a preset fee of 15% from the 330 million won corresponding to the third-party deposit, which is the investment amount deposited from the 7th investor terminal, into the account of the third-party business terminal.

[0192] Additionally, the third-party business terminal confirms the amount deposited from the server (200) (e.g., KRW 280,500,000) (S240).

[0193] Thereafter, the supplier terminal (400) checks (or searches) one or more investment information registered in the server (200).

[0194] That is, the supplier terminal (400) connects to the server (200) and checks (or searches) one or more investment information registered in the server (200).

[0195] In addition, when supplying goods and / or services for specific investment information (or at least one investment information) among one or more investment information confirmed (or searched), the supplier terminal (400) links with the server (200) to register the goods / service supply conditions in the server (200). Here, the goods / service supply conditions include the supply proposed unit price for each supply item considering the supply items, supply unit price, etc. according to the investment information. At this time, the supplier terminal (400) may register the goods / service supply conditions for all goods (or all supply items) among all goods and / or services related to the specific investment information in the server (200), or may register the goods / service supply conditions for some goods (or some supply items) among all goods and / or services related to the specific investment information in the server (200).

[0196] For example, the 9th supplier terminal (400) connects to the server (200) and checks the first to tenth investment information registered in the server (200).

[0197] In addition, when supplying goods for the daily parish supplies, daily food supplies, etc. included in the third investment information among the first to tenth investment information confirmed above, the 9th supplier terminal registers the 9th goods / service supply conditions in the server (200) by linking with the server (200) (S250).

[0198] Thereafter, the server (200) selects (or selects) a specific product / service supply condition (or at least one specific product / service supply condition) from among one or more product / service supply conditions registered in the server (200) in relation to the specific investment information (or investment information related to the business terminal (100). At this time, the server (200) may select a product / service supplier related to the specific investment information based on a product / service supply condition that proposes a minimum price, a product / service supply condition that satisfies a preset standard price range, a product / service supply condition that satisfies a price within a preset error range (e.g., including 10%, 15%, etc.) from the adjusted supply unit price for each supply item, etc. Here, the server (200) may select a specific product / service supply condition related to the specific investment information from among one or more product / service supply conditions registered (or collected) during a preset period (e.g., including 3 days, 1 week, 1 month, etc.) after the specific investment information is registered in the server (200).

[0199] In addition, the server (200) performs a product / service supply contract function (or purchase agreement contract function / sales limit agreement contract function, etc.) in the form of an electronic document by linking with a specific supplier terminal (400) that has registered the selected (or selected) specific product / service supply conditions.

[0200] In addition, when the goods / service supply contract function is normally terminated, the specific supplier terminal (400) receives a result screen (or goods / service supply contract result screen) according to the performance of the goods / service supply contract function provided from the server (200), and displays (or outputs) the received goods / service supply contract result screen. Here, the goods / service supply contract result screen includes business information, supplier information, final supply items, final supply unit price, supply cycle (e.g., including weekdays, daily, etc.), contract period, settlement date (or payment date), sales agreement amount, minimum margin (or minimum margin rate), etc. In addition, the supplier information includes the supplier name, contact information, address, supplier's business registration certificate (or supplier's business registration number), etc.

[0201] In addition, when the above-mentioned goods / service supply contract function is normally terminated, the business terminal (100) receives a result screen (or goods / service supply contract result screen) according to the performance of the goods / service supply contract function provided from the server (200), and displays (or outputs) the received goods / service supply contract result screen.

[0202] For example, the server (200) selects the 9th product / service supply condition that proposes the minimum price among the 1st product / service supply conditions to the 15th product / service supply conditions registered in the server (200) in relation to the 3rd investment information.

[0203] In addition, the server (200) performs a product / service supply contract function in the form of an electronic document by linking with the ninth supplier terminal that has registered the selected ninth product / service supply conditions.

[0204] In addition, when the goods / service supply contract function is normally terminated, the server (200) provides the 9th goods / service supply contract result screen according to the performance of the goods / service supply contract function to the third-party business terminal, the 9th supplier terminal, etc.

[0205] In addition, each of the third business operator terminal and the ninth supplier terminal receives the ninth goods / service supply contract result screen provided from the server (200) and displays the received ninth goods / service supply contract result screen (S260).

[0206] Thereafter, the server (200) provides goods and / or services provided from the supplier terminal (400) to the business terminal (100) according to the goods / service supply contract. At this time, goods and / or services may be directly provided from the supplier terminal (400) to the business terminal (100) according to the goods / service supply contract related to the investment information, and the supplier terminal (400) may provide a goods supply contract according to the direct provision of goods and / or services from the supplier terminal (400) to the business terminal (100) to the server (200) and / or the business terminal (100).

[0207] Additionally, the server (200) operates in conjunction with the business terminal (100) and a payment server (not shown) to perform a payment function for the payment amount corresponding to the purchased goods and quantity, based on the settlement date within the terms of the goods / service supply contract. Here, the settlement date (or payment date) can be set daily, weekly, monthly, quarterly, etc., or can be set to the 1st, 5th, 10th, or 15th of each month, etc.

[0208] At this time, the business terminal (100) performs a product / service purchase function to satisfy the contract amount and / or minimum margin (or minimum margin rate) set in relation to the business terminal (100) on a monthly (or weekly / quarterly) basis in advance according to the product / service supply contract conditions.

[0209] In addition, if the payment amount at the business terminal (100) in relation to the payment month (or weekly / quarterly) does not meet the contract amount and / or minimum margin set in relation to the business terminal (100), the server (200) performs a payment function by adding the shortfall in the contract amount and / or minimum margin among the payment amounts of the previous month in the following month to the payment amount at the business terminal (100) in the following month (or next installment / next payment date). At this time, if the payment amount from the business terminal (100) each month does not meet the agreed amount and / or minimum margin set in relation to the business terminal (100) more than a preset number of times (e.g., 3 or more times in a row, 3 or more times in a cumulative amount, etc.), the server (200) may proceed (or perform) with a seizure procedure, exercise of subrogation rights, etc. targeting the business terminal (100) according to the previously performed mortgage setting function, electronic bill notarization function, comprehensive assignment contract function, etc.

[0210] In addition, the server (200) performs an electronic tax invoice issuance function for the payment amount paid by the business terminal (100) in conjunction with the National Tax Service server (not shown). At this time, the server (200) may also perform an electronic tax invoice issuance function for the payment amount paid by the business terminal (100) in conjunction with the supplier terminal (400) that provided the goods and / or services and the National Tax Service server.

[0211] In addition, the business terminal (100) receives the payment function execution results, electronic tax invoices, etc. in the form of electronic documents provided from the server (200) (or the payment server / the National Tax Service server), and displays (or prints) the received payment function execution results, electronic tax invoices, etc. in the form of electronic documents. Here, the payment function execution results include the business name operating the server (200), business registration number, address information, contact person phone number, payment amount, payment date and time information, etc.

[0212] For example, the server (200) provides goods provided from the ninth supplier terminal to the third business operator terminal according to the goods / service supply contract.

[0213] In addition, the third-party business terminal, in conjunction with the server (200) and the payment server, performs a payment function for the payment amount (e.g., KRW 28 million) related to goods supplied from October 1, 2023 to October 31, 2023, on November 5, 2023, according to the settlement date (e.g., the 5th of every month) within the terms of the goods / service supply contract. At this time, the payment amount (e.g., KRW 28 million) corresponding to October 2023 may exceed KRW 27.5 million, which is 1 / 12 of the third-party sales agreement amount (e.g., KRW 330 million corresponding to the third-party deposit), according to the terms of the goods / service supply contract.

[0214] In addition, the server (200) performs an electronic tax invoice issuance function for the payment amount (e.g., 28 million won) paid at the third-party business terminal in conjunction with the National Tax Service server.

[0215] In addition, the server (200) transmits the payment function performance result for October 2023 in the form of an electronic document, an electronic tax invoice for October 2023 in the form of an electronic document, etc., in relation to the payment amount for October 2023 (e.g., KRW 28 million) to the third-party business terminal.

[0216] In addition, the third-party business terminal receives the payment function performance result for October 2023, the electronic tax invoice for October 2023, etc. in the form of an electronic document transmitted from the server (200), and displays the received payment function performance result for October 2023, the electronic tax invoice for October 2023, etc. (S270).

[0217] Thereafter, the server (200) links with the investor terminal (300) and the bank server to pay (or deposit) an amount corresponding to the minimum margin (or rate of return) to the investor terminal (300) (or the investor's account information of the investor terminal (300)) according to the minimum margin (or rate of return) payment date within the investment contract.

[0218] That is, the server (200) is linked with the investor terminal (300) and the bank server, and pays (or deposits / provides) an amount corresponding to the minimum margin (or rate of return) to one or more investor terminals (300) that have invested in the specific investment information on the minimum margin (or rate of return) payment date according to the investment contract contents of the specific investment information.

[0219] At this time, even if the payment amount of the business terminal (100) corresponding to the specific investment information does not meet the agreed amount and / or minimum margin set in relation to the business terminal (100), the server (200) may use the deposit amount and / or monthly retained earnings being operated (or managed) by the server (200) to pay an amount corresponding to the minimum margin (or rate of return) to one or more investor terminals (300) related to the specific investment information.

[0220] For example, the server (200) is linked to the bank server, and, based on the minimum margin (or rate of return) payment date (e.g., the 10th of every month) in the investment contract related to the third investment information, deposits KRW 4,125,000 into the account set by the seventh investor terminal based on the annual minimum margin rate (or rate of return) of 15% for KRW 330 million invested by the seventh investor terminal (S280).

[0221] Thereafter, the server (200) interworks with the bank server and, according to the settlement date within the goods / service supply contract, pays (or deposits) the price (or price of goods) for the supply of goods / services to the supplier terminal (400) (or the account information of the supplier of the supplier terminal (400). At this time, the server (200) deposits (or transfers) the remaining amount (or price of goods) after deducting other preset fees from the payment amount paid by the business terminal (100) according to the goods / service supply contract into the account of the supplier terminal (400).

[0222] That is, the server (200) is linked with the bank server to pay (or deposit) money to one or more supplier terminals (400) that have provided goods and / or services for the specific investment information on the settlement date for goods / services according to the goods / service supply contract for the specific investment information.

[0223] For example, the server (200) links with the bank server and, on the settlement date (e.g., the 5th of every month) according to the goods / service supply contract related to the third investment information, deposits the remaining amount (e.g., 28 million won * 90% = 25.2 million won) after deducting a preset fee of 10% from the payment amount (e.g., 28 million won) paid by the third business operator terminal into the account set by the 9th supplier terminal (S290).

[0224] Thereafter, when the investment period according to the investment contract expires, the server (200) links with the business terminal (100) and the bank server to receive (or deposit) the deposit previously provided (or deposited / paid / transferred) from the business terminal (100) into the account of the server (200).

[0225] In addition, the server (200) is linked with the bank server to deposit (or transfer) the provided (or deposited) deposit (or investment principal invested by the investor terminal (300)) into the account of one or more investor terminals (300) related to the investment contract (or the investor's account of the investor terminal (300)).

[0226] For example, when the investment period according to the third investment contract expires, the server (200) links with the bank server and receives KRW 330 million corresponding to the deposit from the third business operator terminal into the account of the server (200).

[0227] In addition, the server (200) links with the bank server to deposit the investment principal of 330 million won invested by the 7th investor terminal into the account of the 7th investor terminal that performed the investment function according to the 3rd investment contract (S300).

[0228] As described above, the embodiment of the present invention adjusts the supply items and unit prices to be provided to a business terminal that satisfies conditions including preset financial resources, sales, etc., and then calculates a sales commitment amount, minimum margin, deposit, etc. to be provided to an investor or supplier, collects investment funds from investor terminals that have confirmed the calculated sales commitment amount, minimum margin, deposit, etc., and performs a supply contract or purchase commitment contract function by providing a portion of the collected investment funds as a deposit to the business terminal, and performs a settlement function according to the monthly payment amount at the business terminal, so that the goods and services of the business can be traded transparently and safely, and can pursue coexistence with various stakeholders through cost reduction and quality improvement, etc.

[0229] Those skilled in the art will appreciate that modifications and variations of the above-described content may be made without departing from the essential characteristics of the present invention. Therefore, the embodiments disclosed herein are intended to illustrate, rather than limit, the technical spirit of the present invention, and the scope of the technical spirit of the present invention is not limited by these embodiments. The scope of protection of the present invention should be construed according to the following claims, and all technical ideas within the scope equivalent thereto should be construed as being included within the scope of the present invention.

[0230] The mode for carrying out the invention has been described together with the best mode for carrying out the invention above.

[0231] The present invention targets business terminals that satisfy conditions including preset financial resources, sales, etc., adjusts the supply items and unit prices to be provided to the business terminals, and then calculates the sales commitment amount, minimum margin, deposit, etc. to be provided to investors or suppliers, and collects investment funds from investor terminals that have confirmed the calculated sales commitment amount, minimum margin, deposit, etc., and performs a supply contract or purchase commitment contract function by providing a portion of the collected investment funds as a deposit to the business terminal, and performs a settlement function according to the monthly payment amount at the business terminal, thereby enabling transparent and safe transactions of the business's goods and services, and pursuing coexistence with various stakeholders through cost reduction and quality improvement, etc., and thus has industrial applicability.

Claims

1. A step of searching for business information that satisfies preset conditions among multiple business information registered on the server by the server; A step of adjusting the supply items and supply unit price to be provided to a business operator corresponding to the business operator information based on the searched business operator information by the server; A step of calculating, by the server, the deposit, annual yield, sales commitment amount, and minimum margin to be provided to investors or suppliers in relation to the business operator corresponding to the business operator information based on the searched business operator information; and A sales limit agreement management method comprising a step of generating investment information including the calculated deposit, annual yield, sales agreement amount, and minimum margin by the above server.

2. In paragraph 1, A step of confirming one or more investment information registered on the server by an investor terminal; When an investor wishes to invest in a specific investment information among one or more of the investment information confirmed above, a step of performing an investment contract function in the form of an electronic document by linking the business terminal corresponding to the specific investment information and the server through the investor terminal; A step of depositing the investment amount to be invested from the investor terminal into an account preset by the server by linking with the server and the bank server through the investor terminal; A step of performing at least one function among an electronic document type mortgage setting function, an electronic bill notarization function, and a comprehensive assignment contract function by linking with a business terminal, the server, and a notary server corresponding to the specific investment information by the investor terminal; When the investment contract function is normally terminated, a step of displaying an investment contract result screen according to the execution of the investment contract function provided from the server by the investor terminal; and A sales limit agreement management method characterized by further comprising a step of depositing an amount corresponding to the calculated deposit among the investment funds into an account of the business terminal by linking the business terminal corresponding to the specific investment information and the bank server through the server.

3. In paragraph 2, A step of verifying one or more investment information registered on the server by the supplier terminal; When supplying goods or services for the specific investment information among the one or more investment information confirmed above, a step of registering the goods / service supply conditions for the specific investment information on the server by linking with the server by the supplier terminal; A step of selecting a specific product / service supply condition from among one or more product / service supply conditions registered on the server in relation to the specific investment information by the server; A step of performing a product / service supply contract function in the form of an electronic document by linking with the supplier terminal that has registered the selected specific product / service supply conditions by the server; and A sales limit agreement management method characterized by further comprising a step of displaying a goods / service supply contract result screen provided from the server by the supplier terminal when the goods / service supply contract function is normally terminated.

4. In paragraph 3, A step of providing goods or services provided from the supplier terminal to the business terminal according to the goods / service supply contract by the server; A step of performing a payment function for a payment amount corresponding to the purchased goods and quantity according to the settlement date within the terms of the goods / service supply contract by the above server in conjunction with the business terminal and payment server; A step of depositing an amount corresponding to the minimum margin into the account of the investor terminal according to the minimum margin payment date within the investment contract by the server in conjunction with the investor terminal and the bank server; and A sales limit agreement management method characterized by further including a step of depositing the product price into the account of the supplier terminal according to the settlement date in the product / service supply contract by the server in conjunction with the supplier terminal and the bank server.

5. In paragraph 4, A step of performing a payment function by adding the shortfall to the payment amount of the next round of the business terminal when the payment amount at the business terminal does not meet the agreed amount and minimum margin set in relation to the business terminal by the server; and A sales limit agreement management method characterized by further comprising a step of performing, by the server, an exercise of a right of subrogation based on at least one of the performed mortgage setting function, electronic bill notarization function, and comprehensive assignment contract function when the payment amount at the business terminal fails to meet the agreement amount and minimum margin set in relation to the business terminal more than a preset number of times.

6. In paragraph 4, When the investment period according to the investment contract expires, the server, in conjunction with the business terminal and the bank server, deposits an amount corresponding to the deposit previously provided from the business terminal into the server's account; and A sales limit agreement management method characterized by further including a step of depositing the investment principal invested by the investor terminal into the investor terminal's account related to the investment contract by the server.

7. Business terminal for registering business information; and A sales limit agreement management system including a server that searches for business information that satisfies preset conditions among multiple business information registered on a server, adjusts supply items and supply unit prices to be provided to a business corresponding to the business information based on the searched business information, calculates a deposit, an annual rate of return, a sales commitment amount, and a minimum margin to be provided to an investor or supplier in relation to a business corresponding to the business information based on the searched business information, and generates investment information including the calculated deposit, annual rate of return, sales commitment amount, and minimum margin.

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