Prepayment loan system for overseas platform-based profit creator using withdrawal-restricted foreign exchange account for financial firm banking, and method for providing same

Abstract

Disclosed are a prepayment loan system for an overseas platform-based profit creator using a withdrawal-restricted foreign exchange account for financial firm banking, and a method for providing same. A prepayment management server used in the prepayment loan system comprises: a communication unit serving as a communication connection path with a payment company or an affiliated store subscribed to a prepayment loan service; and a data processing unit for requesting transfer of prepayment funds from the payment company to the affiliated store within the limit of an amount to be paid to the affiliated store from a selling entity. Here, the affiliated store holds a deposit account allowing unrestricted deposits and withdrawals and a withdrawal-restricted foreign exchange account. According to the request of the data processing unit, the prepayment funds are deposited into the deposit account rather than the withdrawal-restricted foreign exchange account, and an amount to be paid from the selling entity is deposited into the withdrawal-restricted foreign exchange account from the selling entity after disbursement of the prepayment funds.

Description

A pre-settlement loan system for overseas platform-based revenue generators using foreign exchange accounts with financial firm banking withdrawal restrictions, and a method for providing the same.

[0001] The present invention relates to an advance settlement loan system for a revenue generator based on an overseas platform using a foreign exchange account with a financial firm banking withdrawal restriction, and a method for providing the same.

[0002] Currently, many creators, including YouTubers, are active, and the number of channels eligible for advertising revenue is approaching 2 million. However, it takes up to 50 days for settlement to occur. Consequently, it has been difficult to cope when funds are urgently needed.

[0003] In addition, many revenue generators, such as Airbnb operators, game operators, and e-commerce sellers who generate revenue using overseas platforms, as well as YouTubers and TikTok users, also face difficulties with cash flow.

[0004] Therefore, there is a need to develop a system and provide a service that supports the smooth financial management of creators by enabling them to obtain advance settlement loans secured by the revenue of monetizers based on overseas platforms.

[0005] The present invention provides an advance settlement loan system for a revenue generator based on an overseas platform using a foreign exchange account with a financial firm banking withdrawal restriction, and a method for providing the same.

[0006] To achieve the above-mentioned purpose, an advance settlement management server used in an advance settlement loan system according to an embodiment of the present invention comprises: a communication unit serving as a communication connection channel with a merchant or a payment company that has subscribed to the advance settlement loan service; and a data processing unit requesting the payment company to transfer advance settlement funds to the merchant within the limit of the amount to be received by the merchant from the sales source. Here, the merchant possesses a deposit account with unrestricted deposits and withdrawals and a foreign exchange account with restricted withdrawals, and upon the request of the data processing unit, the advance settlement funds are deposited into the deposit account rather than the foreign exchange account with restricted withdrawals, and the amount to be received from the sales source is deposited from the sales source into the foreign exchange account with restricted withdrawals after the advance settlement funds are executed.

[0007] A merchant device used in an advance settlement loan system according to one embodiment of the present invention includes: a communication unit which is a communication connection channel with an advance settlement management server or a bank; and a data processing unit which manages a foreign exchange account with restricted withdrawals and a deposit account with unrestricted deposits and withdrawals, requests the payment of advance settlement funds to the advance settlement management server, and manages the transfer of the amount received as advance settlement funds from the amount of sales outlets deposited into the foreign exchange account with restricted withdrawals to an investment account.

[0008] A device of a payment company according to one embodiment of the present invention includes a communication unit which is a communication connection channel with an advance settlement management server; and a data processing unit which transfers advance settlement funds to a merchant in response to a request from the advance settlement management server and manages payment from the merchant for the transferred advance settlement funds.

[0009] A method for an advance settlement loan according to an embodiment of the present invention comprises: a step in which an advance settlement management server processes the subscription of a merchant to an advance settlement loan service; and a step in which, when the merchant has completed the subscription to the advance settlement loan service, the merchant requests a payment company to transfer advance settlement funds to the merchant within the limit of the sales amount to be received from the sales source. Herein, the merchant holds a deposit account with unrestricted deposits and withdrawals and a foreign exchange account with restricted withdrawals, and an amount corresponding to the sales amount from the sales source is deposited into the foreign exchange account with restricted withdrawals.

[0010]

[0011] The advance settlement loan system for an overseas platform-based profit creator using a foreign exchange account with restricted financial banking withdrawals according to the present invention and the method for providing the same allow the overseas platform-based profit creator to receive a loan in advance based on the sales to be received, thereby facilitating the flow of funds for the overseas platform-based profit creator.

[0012] Advance settlement management companies, etc., proceed with advance settlement loans based on the revenue to be received by the revenue generator based on the aforementioned overseas platform, and since the funds paid from the source to the revenue generator based on the aforementioned overseas platform are deposited into a restricted foreign exchange account with restricted withdrawals, they can collect fees without bearing any risk.

[0013] FIG. 1 is a diagram illustrating an advance settlement loan system for an overseas platform-based revenue generator according to one embodiment of the present invention.

[0014] FIG. 2 is a conceptual diagram illustrating a pre-settlement loan process for an overseas platform-based revenue generator according to one embodiment of the present invention.

[0015] FIG. 3 is a drawing illustrating a pre-settlement loan system according to another embodiment of the present invention.

[0016] FIG. 4 is a drawing illustrating a pre-settlement loan system according to another embodiment of the present invention.

[0017] FIG. 5 is a flowchart illustrating the process of subscribing to a pre-settlement loan service according to one embodiment of the present invention.

[0018] FIG. 6 is a block diagram illustrating the configuration of a pre-settlement management server according to one embodiment of the present invention.

[0019] As used in this specification, singular expressions include plural expressions unless the context clearly indicates otherwise. In this specification, terms such as "composed" or "comprising" should not be interpreted as necessarily including all of the various components or steps described in the specification, and should be interpreted as meaning that some of the components or steps may be excluded, or that additional components or steps may be included. Furthermore, terms such as "...part," "module," etc., as used in the specification refer to a unit that processes at least one function or operation, which may be implemented in hardware or software, or a combination of hardware and software.

[0020]

[0021] The present invention relates to an advance settlement loan system for an overseas platform-based revenue generator using a foreign exchange account with restricted withdrawals from financial firm banking, and a method for providing the same, wherein the revenue generator can receive a loan in advance using sales to be received from a customer as collateral, thereby improving the cash flow of the overseas platform-based revenue generator.

[0022]

[0023] Hereinafter, various embodiments of the present invention will be described in detail with reference to the attached drawings.

[0024] FIG. 1 is a diagram illustrating an advance settlement loan system for an overseas platform-based revenue generator according to one embodiment of the present invention, FIG. 2 is a diagram conceptually illustrating an advance settlement loan process for an overseas platform-based revenue generator according to one embodiment of the present invention, FIG. 3 is a diagram illustrating an advance settlement loan system according to another embodiment of the present invention, and FIG. 4 is a diagram illustrating an advance settlement loan system according to yet another embodiment of the present invention.

[0025] Referring to FIG. 1, the advance settlement loan system of the present embodiment may include an advance settlement management server (computing device, 100), a merchant (a revenue generator based on an overseas platform that has signed up as a member, 102), a payment company (104), a bank (106), and one or more sales outlets (108).

[0026] The advance settlement management server (100) has overseas platform-based profit creators (102) as members and can proceed with advance payment loans upon the request of overseas platform-based profit creators (102) who have subscribed to the advance settlement loan service. That is, overseas platform-based profit creators (102) subscribe to the advance settlement loan service and can apply for an advance settlement loan after subscribing. This advance settlement loan service can be conducted through an advance settlement loan webpage or an advance settlement loan application.

[0027] Here, the overseas platform-based revenue generator (102) refers to creators who produce content uploaded to online platforms (YouTubers, TikTok users, etc.), digital nomads, e-commerce sellers, app-software developers (game developers, etc.), affiliate marketers who earn revenue through affiliate marketing on overseas platforms, online investors, etc., and can mainly earn revenue from overseas companies (Google, etc.) that are overseas platform operators. In addition, the overseas platform-based revenue generator (102) may also include management companies that manage overseas platform-based revenue generators. Of course, the advance settlement loan system of the present invention does not exclude domestic platform-based revenue generators and can be applied equally to domestic platform-based creators.

[0028] An overseas platform-based revenue generator (102) can borrow the necessary funds in advance by using the revenue (profit) to be received later from a source (Google, etc., 108) as collateral. That is, the overseas platform-based revenue generator (102) can borrow funds in advance by using revenue that has already occurred but has not yet been deposited as collateral, rather than borrowing on credit or using movable property such as buildings as collateral.

[0029] According to one embodiment, an overseas platform-based revenue generator (102) may have a deposit account with free deposit and withdrawal and a withdrawal restriction account (lock account, particularly a withdrawal restriction foreign exchange account) with restricted withdrawal, upon subscribing to an advance settlement loan service.

[0030] According to one embodiment, when an overseas platform-based revenue generator (102) applies for a pre-settlement loan service, the bank (106) issues a foreign exchange account with a withdrawal restriction, and the pre-settlement management server (100) requests the payment company (104) to check the account holder of the foreign exchange account with a withdrawal restriction, and the payment company (104) can request the bank (106) to check the account holder in accordance with the request and receive a response.

[0031] Subsequently, the advance settlement management server (100) receives withdrawal consent data from an overseas platform-based revenue generator (102) and requests the payment company (104) to register a foreign exchange account with a withdrawal restriction. The payment company (104) requests the bank (106) to register a foreign exchange account with a withdrawal restriction in accordance with the above request and receives a response, and the payment company (104) can register the foreign exchange account with a withdrawal restriction to the advance settlement management server (100). Through this process, the subscription to the advance settlement loan service can be completed.

[0032] After the completion of the subscription to the above-mentioned advance settlement loan service, information regarding the above-mentioned deposit account and the above-mentioned withdrawal restricted foreign exchange account is managed by the advance settlement management server (100), and the advance settlement management server (100) may be able to view the deposit and withdrawal history of the above-mentioned deposit account and the above-mentioned withdrawal restricted foreign exchange account.

[0033] According to one embodiment, when an overseas platform-based revenue generator (102) signs up for an advance settlement loan service, they can register a foreign exchange account with a withdrawal restriction as an account to receive sales proceeds from a sales source (overseas platform, 108), such as YouTube. If the foreign exchange account with a withdrawal restriction is not registered with the sales source (108), the advance settlement loan service may not be available.

[0034] The paying company (104) can transfer advance settlement funds to the overseas platform-based revenue generator (102) using the sales received by the overseas platform-based revenue generator (102) from the sales source (108) as collateral (receivables), and can subsequently receive the transferred funds, and may be, for example, an investment fund management company or a bank (106). At this time, the funds transferred by the paying company (104) may be an amount within the sales limit of the overseas platform-based revenue generator (102).

[0035] According to one embodiment, as illustrated in FIG. 2, investors can deposit investment funds into an investment account managed by a payment company (104) and receive settlement of the investment funds later. That is, the investment account is a separate account from the investor, and the investor cannot withdraw funds at will. This is because, since multiple investors can make investments, a specific investor must not withdraw funds at will.

[0036] FIG. 1 shows the advance settlement process when the paying company (104) is a separate company from the bank (106), and FIG. 3 shows the advance settlement process when the paying company (104) is the bank (106).

[0037] In the case of Fig. 1, the paying company (104) receives investments from investors into an investment account, and when an amount is deposited from an overseas platform-based profit generator (102), it can pay the investors the principal or interest on the investment.

[0038] On the other hand, in the case of Fig. 3, the bank (106) manages the amount invested by investors into the investment account, and when the amount is deposited from the overseas platform-based profit generator (102), it can pay the principal or interest to the investors. At this time, the payment of the principal or interest may be carried out at the discretion of the bank (106) or under the management of the advance settlement management server (100).

[0039] The bank (106) can mediate the advance settlement funds transferred by the payment company (104) to the overseas platform-based profit generator (102) so that they are deposited from the overseas platform-based profit generator (102) to the payment company (104). At this time, the funds are withdrawn from the withdrawal-restricted account. However, since it is an overseas deposit, the bank (106) verifies the recipient, and once the recipient is verified, the amount deposited from the withdrawal-restricted foreign exchange account of the overseas platform-based profit generator (102) is converted, and the converted amount is deposited to the payment company (104) after deducting a fee.

[0040] Meanwhile, since the paying company (104) is a company contracted in the advance settlement loan service, the recipient verification process may be omitted.

[0041] The sales source (108) is a company that must pay an amount to an overseas platform-based revenue generator (102), and may be, for example, an overseas platform company.

[0042]

[0043] Below, we will examine the advance settlement loan process in detail with reference to FIG. 1. At this time, the paying company (104) may be a separate company from the bank (106).

[0044] An overseas platform-based revenue generator (102) subscribes to the advance settlement loan service on the advance settlement management server (100), that is, registers as a member (①).

[0045] When an overseas platform-based profit generator (102) subscribes to the above-mentioned advance settlement loan service, the advance settlement management server (100) can create accounts (deposit accounts and foreign exchange accounts with withdrawal restrictions) for the overseas platform-based profit generator (102) in conjunction with the bank (106). Here, the foreign exchange account with withdrawal restrictions is a locked account from which the overseas platform-based profit generator (102) cannot withdraw funds.

[0046] In addition, the overseas platform-based revenue generator (102) can register the above-mentioned withdrawal-restricted foreign exchange account on the overseas platform.

[0047] Next, when an overseas platform-based revenue generator (102) requests an advance settlement loan from the advance settlement management server (100) (②), the advance settlement management server (100) can view the sales details of the overseas platform-based revenue generator (102) to be paid to the overseas platform-based revenue generator (102) from the sales outlets (108). That is, the advance settlement management server (100) can verify the sales of the overseas platform-based revenue generator (102) who requested the advance settlement loan. Of course, the advance settlement management server (100) can also periodically view the sales details from the sales outlets (108) even before the request from the overseas platform-based revenue generator (102).

[0048] According to another embodiment, the advance settlement management server (100) may receive sales details from an overseas platform-based revenue creator (102) registered on an overseas platform without querying sales details from sales outlets (108).

[0049] Additionally, the advance settlement management server (100) may request the payment company (104) to transfer advance settlement funds (loans) within the limit of sales revenue to be received by the overseas platform-based revenue generator (102) (④).

[0050] According to another embodiment, the advance settlement management server (100) may determine the limit of the advance settlement loan amount by additionally considering not only the sales of the overseas platform-based revenue generator (102) but also creditworthiness (credit rating score or credit rating grade). For example, if the creditworthiness is high, the largest amount within the sales limit may be lent, whereas if the creditworthiness is low, a small amount within the sales limit may be lent.

[0051] Next, the payment company (104) can transfer the advance settlement amount (loan) to the overseas platform-based revenue generator (102) at the request of the advance settlement management server (100). At this time, the advance settlement amount can be transferred to the deposit account of the overseas platform-based revenue generator (102).

[0052] Additionally, the payment company (104) can provide information about the transfer amount (loan information) to the bank (106).

[0053] According to another embodiment, the payment company (104) may not provide the loan information to the bank (106), but the advance settlement management server (100) may provide it to the bank (106).

[0054] Next, the sales outlets (110) can pay the overseas platform-based revenue generator (102) (⑥).

[0055] According to one embodiment, the payment made from the sales source (108) to the overseas platform-based revenue generator (102) may be deposited into a foreign exchange account with a withdrawal restriction.

[0056] Meanwhile, if the total amount of payments made above is greater than the advance settlement loan amount, the bank (106) may transfer the difference to the deposit account upon the request of the overseas platform-based revenue generator (102).

[0057] Furthermore, the bank (106) may transfer an amount corresponding to the advance settlement loan amount from the foreign exchange account of the overseas platform-based profit generator (102) to its own non-payment account according to the loan information transmitted from the payment company (104) (⑦). Here, the non-payment account may be an account solely for the advance settlement loan service.

[0058] Next, the bank (106) can pay the amount transferred from the above-mentioned unpaid account to the above-mentioned withdrawal restricted foreign exchange account to the paying company (104) (⑧).

[0059] Meanwhile, the amount corresponding to the advance settlement loan amount may be paid directly from the withdrawal restriction account to the payment company (104) without going through the bank (106), as shown in FIG. 4.

[0060] According to another embodiment, as illustrated in FIG. 3, if the paying company (104) is a bank (106), the bank (106) may withdraw an amount corresponding to the advance settlement loan amount from the overseas platform-based revenue generator (102) from the withdrawal-restricted foreign exchange account to the investment account and pay the principal or interest to the investors.

[0061] In summary, the advance settlement loan system of the present embodiment transfers advance settlement funds to the overseas platform-based revenue generator (102) based on the amount (sales) to be received by the overseas platform-based revenue generator (102) from the sales source (108), and can recover the advance settlement funds when the payment is made from the sales source (108) to the overseas platform-based revenue generator (102).

[0062] By utilizing this advance settlement loan system, the overseas platform-based revenue generator (102) can utilize the necessary expenses through a loan even before the revenue is deposited, thus ensuring a smooth flow of funds, and the advance settlement management server (100) and the payment company (104) receive a commission while being based on the revenue of the overseas platform-based revenue generator (102), so there is no risk. The above advance settlement loan system is a win-win system for both parties. However, the determination of the commission, policies, etc., can be carried out by the advance settlement management server (100).

[0063] That is, the advance settlement management server (100) can manage the overall flow and policies of the advance settlement loan system. For example, the advance settlement management server (100) can manage the subscription to the advance settlement service of an overseas platform-based revenue generator (102), register deposit accounts / foreign exchange accounts with withdrawal restrictions / investment accounts, determine and manage fee policies, and manage overall operations such as the transfer of advance settlement funds / inquiry of sales history / recovery of advance settlement funds from accounts with withdrawal restrictions.

[0064] In the above, advance settlement funds were paid to the overseas platform-based revenue creator (102) upon the request of the overseas platform-based revenue creator (102), but advance settlement funds may also be paid automatically to the overseas platform-based revenue creator (102) even without a request from the overseas platform-based revenue creator (102). For example, when the overseas platform-based revenue creator (102) subscribes to the advance settlement loan service and information regarding sales outlets (108) is registered, the advance settlement management server (100) may periodically query the sales amount to be paid to the overseas platform-based revenue creator (102) from the sales outlets (108) and automatically pay advance settlement funds to the overseas platform-based revenue creator (102) within the above sales amount limit.

[0065] Additionally, although withdrawals by the overseas platform-based profit generator (102) are restricted in the above-mentioned foreign exchange account, withdrawals by the overseas platform-based profit generator (102) may be free except for a certain period considering when payments are made from the sales source (108) and advance settlement funds are recovered. This is because the free use of funds by the overseas platform-based profit generator (102) after the loan is recovered helps with fund management.

[0066] FIG. 5 is a flowchart illustrating the process of subscribing to a pre-settlement loan service according to one embodiment of the present invention.

[0067] Referring to FIG. 5, the advance settlement management server (100) can view the account details of an overseas platform-based revenue generator (102), particularly the transaction details of the deposit account (S500). At this time, the advance settlement management server (100) may view the transaction details of the overseas platform-based revenue generator (102) directly or through a bank (106).

[0068] Next, the advance settlement management server (100) can analyze the above-mentioned transaction history to identify an overseas platform-based revenue generator (102) that engages in joint broadcasting, etc. with the overseas platform-based revenue generator, but is not subscribed to the advance settlement loan service and is not using the advance settlement loan service (S502).

[0069] Furthermore, the advance settlement management server (100) can provide advance settlement loan services via email, etc. to revenue generators based on overseas platforms who are not using advance settlement loan services, identified through the above-mentioned transaction history (S504).

[0070] Furthermore, revenue generators based on overseas platforms who do not use the above-mentioned advance settlement loan service may subscribe to the above-mentioned advance settlement loan service after review (S506).

[0071] In summary, the advance settlement management server (100) can look up the account details of an overseas platform-based profit generator (102) to identify an overseas platform-based profit generator that does not use the advance settlement loan service, and can register the identified overseas platform-based profit generator that does not use the advance settlement loan service for the advance settlement loan service.

[0072] According to another embodiment, if there is a sales partner company that finds and recruits revenue generators based on overseas platforms, the sales partner company may provide the URL of the advance settlement loan service to unused revenue generators based on overseas platforms to recruit them to the advance settlement loan service. In this case, the advance settlement loan server (100) may pay a commission to the sales partner company upon the recruitment of the revenue generators based on overseas platforms.

[0073] FIG. 6 is a block diagram illustrating the configuration of a pre-settlement management server according to one embodiment of the present invention.

[0074] Referring to FIG. 6, the advance settlement management server (100) of the present embodiment may include a control unit (600), a communication unit (602), a member management unit (604), an advance settlement loan unit (606), an inquiry unit (608), and a storage unit (610).

[0075] The communication unit (602) is a communication connection channel with overseas platform-based revenue generators (102), sales outlets (108), and payment companies (104).

[0076] The member management department (604) can manage information such as that of overseas platform-based profit generators (102) who have signed up for the advance settlement loan service.

[0077] In addition, the member management department (604) may provide guidance on the advance settlement loan service to overseas platform-based profit creators who are not using the advance settlement loan service, identified through checking the transaction history of the account of the overseas platform-based profit creator (102).

[0078] The advance settlement loan unit (606) can perform operations for advance settlement loans. Specifically, the advance settlement loan unit (606) can collect sales details of the overseas platform-based revenue generator (102) from sales outlets (108) in response to an advance settlement loan request from the overseas platform-based revenue generator (102), and transmit a request to the payment company (104) to transfer a predetermined loan amount within the sales limit. Accordingly, the payment company (104) can transfer the loan amount to the overseas platform-based revenue generator (102) and provide the loan information to the bank (106). At this time, the payment company (104) may be the bank (106).

[0079] The inquiry unit (608) can look up the account details of overseas platform-based profit generators (102) to identify overseas platform-based profit generators who do not use the advance settlement loan service and have not subscribed to the advance settlement loan service.

[0080] The storage unit (610) can store various information such as sales amounts.

[0081] The control unit (600) can control the overall operation of the components of the pre-settlement management server (100).

[0082] Meanwhile, a single data processing unit may perform all the functions of the control unit (600), member management unit (604), advance settlement loan unit (606), and inquiry unit (608).

[0083]

[0084] The device of the overseas platform-based revenue generator (102) (overseas platform-based revenue generator device) may include a communication unit and a data processing unit.

[0085] The above communication unit is a communication connection channel with the settlement management server (100), the bank (106), and the sales outlets (108).

[0086] The above data processing unit manages the foreign exchange account with withdrawal restrictions and the deposit account of the overseas platform-based revenue generator (102), and can request an advance settlement loan from the advance settlement management server (100).

[0087] In addition, the data processing unit can manage the transfer of the advance settlement loan amount from the foreign exchange account with withdrawal restrictions to the bank (106) or the payment company (104).

[0088]

[0089] The device of the payment company (104) (payment company device) may include a communication unit and a data processing unit.

[0090] The above communication unit is a communication connection channel with the settlement management server (100) and the bank (106).

[0091] The above data processing unit can transfer advance settlement funds (loan money) to an overseas platform-based revenue generator (102) in response to a transfer request from the advance settlement management server (100), provide loan information to the bank (106), and manage the transfer of the said loan money from the bank (106).

[0092]

[0093] Meanwhile, the components of the aforementioned embodiments can be easily identified from a process perspective. That is, each component can be identified as a separate process. Furthermore, the processes of the aforementioned embodiments can be easily identified from the perspective of the device components.

[0094] In addition, the technical details described above may be implemented in the form of program instructions that can be executed through various computer means and recorded on a computer-readable medium. The computer-readable medium may include program instructions, data files, data structures, etc., either individually or in combination. The program instructions recorded on the medium may be those specifically designed and configured for the embodiments, or they may be those known and available to those skilled in the art of computer software. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tapes; optical recording media such as CD-ROMs and DVDs; magneto-optical media such as floptical disks; and hardware devices specifically configured to store and execute program instructions, such as ROM, RAM, and flash memory. Examples of program instructions include machine code, such as that generated by a compiler, as well as high-level language code that can be executed by a computer using an interpreter, etc. Hardware devices may be configured to operate as one or more software modules to perform the operations of the embodiments, and vice versa.

[0095] The embodiments of the present invention described above are disclosed for illustrative purposes only, and those skilled in the art with ordinary knowledge of the present invention may make various modifications, changes, and additions within the spirit and scope of the present invention, and such modifications, changes, and additions should be considered to fall within the scope of the following claims.

Claims

1. A communication unit serving as a communication connection channel with a merchant or payment company that has subscribed to the advance settlement loan service; and It includes a data processing unit that requests the transfer of advance settlement funds to the said franchisee to the said paying company within the limit of the amount the said franchisee is to receive from the sales outlet, An advance settlement management server used in an advance settlement loan system, characterized in that the above-mentioned merchant possesses a deposit account with unrestricted deposits and withdrawals and a foreign exchange account with restricted withdrawals, and upon a request from the above-mentioned data processing unit, the above-mentioned advance settlement funds are deposited into the deposit account rather than the foreign exchange account with restricted withdrawals, and the amount to be received from the above-mentioned sales outlet is deposited from the above-mentioned sales outlet into the foreign exchange account with restricted withdrawals after the advance settlement funds are executed.

2. An advance settlement management server used in an advance settlement loan system, characterized in that, in paragraph 1, the franchisee is an overseas platform-based revenue generator or a management company managing overseas platform-based revenue generators, and the sales source is an overseas platform.

3. An advance settlement management server used in an advance settlement loan system, characterized in that, in paragraph 2, the above-mentioned withdrawal-restricted foreign exchange account is registered on the above-mentioned overseas platform.

4. In Paragraph 1, the above-mentioned paying company holds an investment fund account, and investors deposit investment funds into the said investment fund account, An advance settlement management server used in an advance settlement loan system characterized by the fact that the above-mentioned investment account is an account from which the above-mentioned investors cannot withdraw funds at will.

5. An advance settlement management server used in an advance settlement loan system, wherein, in claim 1, the data processing unit inquires into the details of the amount to be paid from the sales source to the franchisee (sales details) and determines the advance settlement funds within the sales limit based on the inquired sales details.

6. An advance settlement management server according to claim 5, characterized in that the data processing unit periodically queries the sales details even without a request from the franchisee.

7. An advance settlement management server used in an advance settlement loan system, characterized in that, in the first paragraph, the withdrawal-restricted foreign exchange account allows withdrawal by the merchant except during a period considering when the amount is deposited from the sales source and when the advance settlement funds are withdrawn after the amount is deposited.

8. In Paragraph 1, the above-mentioned paying company is a bank, but, An advance settlement management server used in an advance settlement loan system, characterized in that the bank transfers the advance settlement funds to the withdrawal-restricted foreign exchange account under the management of the advance settlement management server, withdraws an amount corresponding to the advance settlement funds from the withdrawal-restricted foreign exchange account to an investment account, and pays the principal or interest to an investor from the investment account after the withdrawal.

9. A communication unit serving as a communication connection channel with an advance settlement management server or a bank; and A merchant device used in an advance settlement loan system, characterized by including a data processing unit that manages a foreign exchange account with restricted withdrawals and a deposit account with unrestricted deposits and withdrawals, requests the payment of advance settlement funds to the advance settlement management server, and manages the transfer to an investment account of the amount received as advance settlement funds from the amount of sales outlets deposited into the foreign exchange account with restricted withdrawals.

10. A merchant device used in an advance settlement loan system, characterized in that, in paragraph 9, the above-mentioned merchant is an overseas platform-based revenue generator or a management company managing overseas platform-based revenue generators, and the above-mentioned sales source is an overseas platform.

11. With respect to the equipment of the paying company, A communication unit serving as a communication connection channel with the advance settlement management server; and A merchant device used in an advance settlement loan system, characterized by including a data processing unit that transfers advance settlement funds to a merchant in accordance with a request from the advance settlement management server and manages payment from the merchant for the transferred advance settlement funds.

12. In Paragraph 11, the above-mentioned paying company is a bank, and the above-mentioned bank issues an investment account, A merchant device used in an advance settlement loan system, characterized in that the bank transfers the advance settlement funds from the investment account to the merchant, transfers an amount corresponding to the advance settlement funds from the merchant's foreign exchange account with withdrawal restrictions to the investment account, and pays the principal or interest to the investor from the investment account when the amount corresponding to the advance settlement funds is transferred.

13. A step in which the advance settlement management server processes the merchant's subscription to the advance settlement loan service; and If the above-mentioned merchant has completed the subscription to the advance settlement loan service, the method includes the step of requesting the payment company to transfer advance settlement funds to the above-mentioned merchant within the limit of the sales amount to be received by the above-mentioned merchant from the sales outlet, wherein A method for advance settlement loans characterized by the above-mentioned merchant holding a deposit account with free deposit and withdrawal and a foreign exchange account with restricted withdrawal, wherein an amount corresponding to the above-mentioned sales amount from the above-mentioned sales source is deposited into the foreign exchange account with restricted withdrawal.

14. In Paragraph 13, The above-mentioned merchant further includes the step of requesting the transfer of advance settlement funds to the above-mentioned advance settlement management server, wherein The above advance settlement management server queries sales details from the above sales source upon the request of the above franchisee and determines the above advance settlement funds within the sales limit corresponding to the queried sales details, A pre-settlement loan method characterized in that the above-mentioned sales source is an overseas platform.

15. In Paragraph 13, Step of the investor depositing investment funds into the investment account; and The method further includes the step of paying the principal or interest from the investment account to the investor after the amount corresponding to the above sales revenue is deposited into the above restricted foreign exchange account, A method for advance settlement loans characterized by the advance settlement funds being transferred from the investment account to the merchant.

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