JP2022531632A - Equipment for providing business agency services based on factoring business - Google Patents

Abstract

The apparatus for providing a business agency service based on the factoring business according to the present invention provides a management platform that can provide the necessary business for the financial company and the factoring business partner (collaborator), so that the financial company can For example, it is possible to check in real time the sales of each product by customer inflow channel, sales statistical information, the acceptance rate and delinquency rate of purchased receivables, etc., and predict the profit of the factoring business. In addition, since the partner does not need to use a rental agent company, there is no need to hire staff to handle sales operations, installment payment contract operations, collection operations, and customer management operations including personal information protection. In addition, the partner can combine the credibility of the business agency providing the business agency service and the business agency capability to achieve business synergy effects, such as improved sales results and fund circulation, and enhanced business stability.

Description

The present invention relates to a device for providing a business agency service based on a factoring business. More specifically, financial companies can stably expand the number of factoring business partners (partners), check the business status of factoring business partners (partners) in real time, and risk to the factoring business. It is related to the equipment that provides business agency services based on the factoring business that makes it possible to predict profits.

In general, factoring is a system in which a financial company purchases trade receivables such as commercial bills and accounts receivable from a company and lends funds based on the purchase receivables. It was first introduced in the United States in the 1920s with the intention of helping corporate activities by immediately cashing trade receivables received by companies instead of cash in exchange for commercial transactions. The loan limit can be up to 100% of the face value of the purchased loan, but it may be slightly lowered depending on the sales scale and creditworthiness of the company.

Recently, as a profit-changing strategy for card companies to secure profits due to the reduction of the commission rate of member stores, they purchase installment receivables generated by rentals and installment payments of goods for small and medium-sized enterprises with inferior financial power and liquidate them. There is a tendency to promote factoring business.

On the other hand, the manufacturing company that intends to rent or sell the product in installments uses an offline sales floor, an online sales agency, or a sales agency that has a TV shopping channel. However, the manufacturing company pays a lot of money to these sales agents, and even if the product is actually sold, it is not recognized as 100% sales, and it is difficult to configure the dedicated personnel for debt collection and delinquency management after the sale. ..

Therefore, a financial company (that is, a card company) that purchases installment receivables generated by rentals and installment payments and seeks to promote a liquidation factoring business has a factoring business partner (partner) that can stably operate the factoring business. I have to look for it. However, it is not so easy for financial companies to find a factoring business partner that can solve the risk of credit management (RISK).

As shown in FIG. 1, a financial company can conclude a factoring contract with a plurality of business partners (manufacturing company or sales agency) to purchase and liquidate receivables generated by rental or installment sales of goods. However, such a mechanism depends entirely on the sales force of the partner, and it is difficult for financial companies to be confident that the factoring business will be carried out sustainably and smoothly. Since it is not easy to grasp the current status of RISK), there is a problem that it is difficult to predict the factoring business.

In order to solve such problems, the present invention supports the operation and management ability that the partner lacks, and allows the financial company to check the business status of the factoring business partner (partner) in real time, and factoring. It relates to a device for providing a business agency service based on a factoring business that makes it possible to predict risks (RISK) and profits for a business.

Further, the present invention relates to a device for providing a business agency service based on a factoring business that can unify the management system for factoring business business for a plurality of business partners and easily and conveniently provide necessary information to financial companies and business partners.

The device for providing a business agency service based on the factoring business according to the present invention collects the claims of each partner and delivers them to the financial company in accordance with the claim transfer / transfer contract concluded between the plurality of partners and the financial company. At the same time, it is a device that provides a business agency service that collects monthly payments from customers and hands them over to financial companies.

Have the customer enter the customer reception information including the name of the customer who wants to rent or purchase the partner's product in installments from the customer inflow channel for selling the partner's product and the customer terminal identification information, and save it in the storage unit. Customer reception processing department and

The product contract information including the rental period and rental fee for the product or the installment payment period and installment payment associated with the product purchase is transmitted to the customer's terminal, and the customer confirmation information for renting the product or purchasing the product in installments is sent from the customer terminal. The contract processing department, which asks you to enter the product contract information including it, saves it in the storage unit, and transmits the product contract information to the partner to the terminal.

The delivery confirmation processing unit that asks the partner's terminal to input the delivery completion information for the delivered product and saves it in the storage unit, and generates the bond purchase information for each partner including the delivery completion information and the product contract information. Then, the credit purchase processing department, which stores the credit purchase information for each partner and transmits the credit purchase information for each partner to the terminal of the financial company, and the payment transfer information for each partner associated with the purchase of the credit are received from the terminal of the financial company. The payment processing department that saves the payment in the storage unit, the rental fee that the customer deposits every month, or the cost payment information including the installment payment is received from the payment gateway and saved in the storage unit, and the cost payment information is stored in the terminal of the financial company. It is configured to include a credit collection processing unit to be transmitted to.

As a pre-determined requirement of the present invention, the partner provides the rental claim or the installment sale claim to the financial company, and the financial company concludes a claim transfer / transfer contract to pay the product price associated with the purchase of the claim to the financial company, and acts on behalf of the business. The service provider needs a delegation contract to handle customer reception, rental / installment payment contracts, receivable purchase and receivable management, payment collection and delinquency management with business partners and financial companies.

In the business agency service providing device based on the factoring business according to the present invention, the contract processing unit stores the customer's credit inquiry information input from the credit information providing terminal in the storage unit, and sets it in advance as the customer's credit inquiry information. Compare the product sales policies of each partner, decide whether to sell the product to the customer, and save the result in the storage department.

In the device for providing the business agency service based on the factoring business according to the present invention, the contract processing unit receives the product contract cancellation information from the customer terminal or the call center, stores it in the storage unit, and stores the product contract cancellation information as a partner. It is realized to be transmitted to the terminal of. The product contract cancellation information can be subdivided and managed in each stage, such as when a contract conclusion guidance call is made from the call center, before the product is delivered, or after the product is delivered.

The business agency service providing device based on the factoring business according to the present invention generates a plurality of call information including customer reception information and call center identification information, and stores the call information in the storage unit. The current status analysis processing unit that calculates the settlement rate by calculating the sales and the number of sales from the receivable purchase information of the above, and using the settlement amount obtained by subtracting the settlement ratio from the sales and the payment remittance information for each partner. Realize by including further.

As described above, the device for providing the business agency service based on the factoring business according to the present invention includes and realizes an operation platform capable of providing necessary business for a financial company and a factoring business partner (partner). The company can check the business status of factoring business partners (partners) in real time, such as product sales by customer inflow channel, sales statistics, purchase receivables storage rate and delinquency rate, and risks and profits for the factoring business. Can be predicted.

On the other hand, factoring business partners (partners) do not need to use a rental agency, and do not need to hire staff to handle sales operations, installment payment contract operations, storage operations, and customer management operations including personal information security. In addition, factoring business partners (partners) combine the creditworthiness and business agency capabilities of the business agency service providers to improve business synergies, that is, improve sales performance and cash circulation, and improve business stability. be able to.

It is an example diagram for explaining the rental / installment payment factoring business between a financial company and a partner. It is explanatory drawing for demonstrating the factoring business business structure which concerns on this invention. It is a block diagram of the business agency service system based on the factoring business which concerns on this invention. It is a block diagram of the business agency service providing apparatus based on the factoring business which concerns on this invention. It is a detailed block diagram of the current state analysis processing part of the business agency service providing apparatus based on the factoring business which concerns on this invention. It is explanatory drawing for demonstrating the additional configuration of the business agency service providing apparatus based on the factoring business which concerns on this invention. It is explanatory drawing for demonstrating the analysis content provided from the providing apparatus of the business agency service based on the factoring business which concerns on this invention. It is explanatory drawing for demonstrating the analysis content provided from the providing apparatus of the business agency service based on the factoring business which concerns on this invention. It is explanatory drawing for demonstrating the analysis content provided from the providing apparatus of the business agency service based on the factoring business which concerns on this invention.

Since the present invention can be subjected to various transformations and can have various examples, specific examples will be illustrated in the drawings and described in detail in the detailed description. However, this is not intended to limit the invention to any particular embodiment, but should be understood to include all transformations, equivalents or alternatives within the scope of the ideas and techniques of the invention.

The terms used in the present invention are used merely to explain specific embodiments and are not intended to limit the present invention. A singular expression includes multiple expressions unless they have distinctly different meanings in context. Hereinafter, the drawings will be described in detail with reference to the drawings attached to the embodiments of the present invention.

As for the structure of the factoring business according to the present invention, referring to FIG. 2, a rental / installment payment factoring contract including a contract for transfer / transfer of receivables is concluded between a partner and a financial company, and the partner and a business agency service provider Conclude a delegation contract regarding business agency between. Of course, the provider of the business agency service and the financial company also conclude a delegation contract regarding the debt purchase and debt collection business.

The business partner provides the financial company with rental receivables or installment sales receivables for the product in accordance with the contract for the transfer of receivables, and the financial company pays the business partner the price of the product associated with the purchase of the receivables. As a delegation contractor for business agency with business partners and financial companies, the business agency service provider shall comply with the receivables transfer / transfer contract concluded between multiple business partners and the financial company, and the products of each partner. Collect rental receivables or installment sales receivables and hand them over to the financial company, and collect monthly payments from customers and hand them over to the financial company.

Partners may also be manufacturers of furniture such as beds and massage chairs, refrigerators, washing machines, televisions, copy machines, water purifiers, smartphones, monitors, screens, etc. that are suitable for regular rental or installment sales. There are also funeral companies that provide funeral support services, insurance companies that handle funeral insurance and whole life insurance, and delivery companies that regularly deliver things to department stores and large supermarkets every day. It may be a sales agency such as. Financial companies include capital, card companies, or banks. The bank mentioned here can also be an internet bank such as Kakao Bank.

The provider of the business agency service acts on behalf of customer reception, rental / installment payment contract conclusion, loan purchase and loan management, payment collection and delinquency management. The business of the business agency service provider is determined according to the delegation contract with the partner, and if necessary for the factoring business, it also provides marketing support for product sales.

Since the collection business related to the delinquency of receivables against other companies is an area that can only be done by a money lender and a company registered and licensed as a collection company, the provider of the business agency service obtains permission to delinquent and collect. You can act on your behalf. In addition, if the provider of the business agency service cannot obtain permission, there is also a method of using a third collection agency who has obtained permission for collection business. In this case, it is also possible to acquire only the information on the delinquency and the progress of the collection work in conjunction with the mutual computer and provide it to the financial company. Hereinafter, the delinquency management according to the present invention means to manage the information obtained by the progress of delinquency and claim collection, and the business agency additionally makes a call for delinquency and claim collection. It doesn't matter if it progresses additionally.

Importantly, the provider of the business agency service has excellent personal information protection capability, system message security and IP security, VAN encryption capability that can be linked with financial companies, network and server access control, and computer operation. You should be a company with excellent technical skills, credit management and credit collection (that is, collection of normal debt that is not overdue). For that purpose, the provider of the business agency service creates a database of information that can grasp the creditworthiness of each customer, the possibility of delinquency by customer, the possibility of delinquency by product type, the possibility of delinquency by product price, etc. Need to be used for management.

In fact, when a financial company concludes a loan transfer / transfer contract with a partner, it only evaluates the items related to the partner's product manufacturing capacity, production capacity and creditworthiness, and accepts and rents other customers. -The business ability related to the conclusion of installment payment contracts, the purchase and management of receivables, the collection of payments and the management of delinquency are evaluated only by the providers of the business agency services. Therefore, it is convenient for a financial company to do business one-on-one with a provider of a business agency service, no matter how many partners increase. In addition, financial companies can check the business status of multiple factoring business partners (partners) in real time, such as product sales by customer inflow channel, sales statistics, purchase receivables storage rate and delinquency rate, etc. in real time. You can predict the risks and returns to your factoring business.

Generally, financial companies seeking to make money through rental and installment factoring businesses want to find many partners. The same applies to the providers of business agency services. In other words, it is essential to secure a large number of business partners because the provider of the business agency service also generates profits through the provision of the business agency service. Therefore, the provider of the business agency service and the financial company can each stably operate the factoring business by finding a partner.

FIG. 3 is a configuration diagram of a business agency service system based on the factoring business according to the present invention. The business agency service system based on the factoring business according to the present invention includes a customer terminal (150), a partner terminal (411,412), a business agency service providing device (420), a financial company terminal (430), and a call center (440). , Can be implemented including payment gateway (450).

The customer terminal (150) includes communication means such as a desktop PC, a tablet terminal, a smartphone, a laptop computer, a wearable device, a wireless telephone, and a television as terminals used by a customer who intends to rent or purchase a product in installments. .. The customer terminal (150) displays a customer inflow channel, for example, a television shopping broadcast, a mobile video advertisement, a web advertisement, or a product advertisement sent by an operator of an offline sales floor.

Partner terminals (411,412) are terminals used by partners who have installment receivables generated as a result of renting or selling their products to customers and who have concluded a receivable transfer / transfer contract with a financial company. be. The partner includes the rental period and rental fee for the product from the business agency service provider (420), the installment payment period and installment payment associated with the product purchase, and the customer confirmation information that the customer wants to purchase the corresponding product by rental or installment payment. The product contract information can be confirmed via the partner terminal (411, 412). The partner who confirmed the product contract information delivers the product purchased by rental or installment payment to the customer, and the delivery completion information is transmitted to the business agency service providing device (420) via the partner terminal (411, 412). do.

The business agency service providing device (420) generates bond purchase information for each partner including delivery completion information and product contract information, and transmits it to the partner terminal (411, 412) and the financial company terminal (430). do. Then, the financial company terminal (430) remits the price associated with the purchase of the receivables to the partner, and transmits the remittance information of the partner to the business agency service providing device (420). The provider of the business agency service collects the monthly installment payment from the customer and hands it to the financial company. Hereinafter, the specific configuration of the business agency service providing device (420) will be described later with reference to FIG.

The financial company terminal (430) has the customer remit the rental fee or the installment payment that the customer deposits every month via the payment gateway (450) linked with the business agency service providing device (420). The payment gateway (450) transmits the rental fee paid by the customer every month or the expense payment information including the installment payment to the business agency service providing device (420). Then, the business agency service providing device (420) stores the cost payment information including the rental fee or the installment payment that the customer sends to the financial company every month in the storage unit, and the cost payment information is stored in the financial company terminal (430). To transmit. Unlike that, the rental fee or installment payment is first paid to the business agency service company via the payment gateway (450), and then the rental fee or installment payment is remitted from the business agency service company to the financial company. You can also do it. In this case as well, the process of storing the expense payment information from the business agency service providing device (420) in the storage unit and transmitting the information to the financial company terminal (430) is performed in the same manner.

The call center (440) uses the name of the customer who intends to rent or purchase the partner's product in installments and the customer terminal identification information, and through a direct voice call with the customer, the intention to purchase the product and the documents associated with the sale of the product are displayed. It consists of a counselor who guides you. The call center (440) can be operated in various forms such as an in-house call center of a business agency service company or an externally affiliated call center. In addition, information necessary for business by connecting to the server provided from the business agency service providing device (420), for example, the rental period and rental fee for the product, or the product including the installment payment period and installment payment associated with the product purchase. The contract information is transmitted to the customer terminal (150). The call center (440) can record and store the information input from the customer terminal (150), that is, the confirmation voice of the customer's purchase intention. The merchandise contract information can include, for example, an image of an electronic document including a credit inquiry agreement, a contract, a personal information collection agreement, a contract agreement, or an automatic remittance agreement.

The payment gateway (450) stores the rental period and rental fee for the product provided from the business agency service providing device (420), or the product contract information including the period of installment payment associated with the purchase of the product and the installment payment. The payment gateway (450) transmits payment information to the customer every month on a fixed day, such as a message, KakaoTalk®, or the customer's email.

Explaining the configuration of the business agency service providing device (420), the business agency service providing device (420) can be connected via a wireless communication network, and has an output device such as an LCD / LED monitor and a mouse. It can be realized by an input unit including a keyboard, a touch screen, etc., and a server including data and an execution program and a control unit for executing the program.

As shown in FIG. 4, the business agency service providing device (420) according to the embodiment has a customer reception processing unit (421), a contract processing unit (422), and a contract processing unit (422), depending on the function of processing the business agency service. It can be realized by including a storage unit (423), a delivery confirmation processing unit (424), a debt purchase processing unit (425), a payment remittance processing unit (426), and a debt collection processing unit (427).

The customer reception processing unit (421) inputs customer reception information including the name of the customer who intends to rent or purchase the partner's product in installments from the customer inflow channel for selling the partner's product and the customer terminal identification information. And save it in the storage section (423). The customer inflow channel can provide information including the date, time, and day of the week when the customer applied for the item (eg, Lotte Home Shopping, Third, Monday, 9:00, 2019.06.06). Such information is used as marketing analysis material for when and when the partner's product sold well, or as material for determining the performance of each customer inflow channel.

The contract processing unit (422) transmits the rental period and rental fee for the product to the customer terminal (150), or the product contract information including the period of installment payment associated with the purchase of the product and the installment payment, and corresponds to the customer terminal (150). Have the product contract information including the customer confirmation information for renting or purchasing the product in installments input, and save it in the storage unit (423). The product contract information can include, for example, an image of an electronic document including a credit inquiry agreement, a contract, a personal information collection agreement, a contract agreement, or an automatic remittance agreement. The contract processing unit (422) transmits the product contract information including the customer confirmation information to the partner terminal (411, 412).

The contract processing unit (422) receives the credit inquiry information of the customer inquired by requesting an external specialized institution from the credit information providing terminal, and stores it in the storage unit (423). The contract processing unit (422) compares the customer's credit inquiry information with the preset product sales policy for each partner, determines whether to sell the product to the customer, and stores the result in the storage unit (423). do. Partner-specific product sales policies, including customer credit information, product sales prices, etc., can be changed according to partner decisions, seasonally, or according to unsold quantity sales policies. Is.

The contract processing unit (422) receives input of product contract cancellation information from the customer terminal (150) or the call center (440), and stores the product contract cancellation information in the storage unit (423). The contract processing unit (422) transmits the product contract cancellation information to the partner terminal (411,412). The product contract cancellation information is subdivided and managed at each stage, such as when making a contract conclusion guidance call at the call center (440), before delivering the product, or after delivering the product.

The delivery confirmation processing unit (424) has the partner terminal (411, 412) input the delivery completion information for the product for which delivery has been completed, and stores the product in the storage unit (423). The delivery completion information can include the name of the deliverer, the time and date of delivery, the name of the customer, and the product information delivered.

The bond purchase processing unit (425) generates product contract information and bond purchase information including customer confirmation information for renting or purchasing products in installments, and stores them in the storage unit (423). The bond purchase processing unit (425) transmits the bond purchase information for each partner to the financial company terminal (430). The remittance processing unit (426) receives the remittance information for each partner in connection with the purchase of receivables from the financial company terminal (430) and stores it in the storage unit (423).

The debt collection processing unit (427) receives the rental fee paid by the customer every month or the expense payment information including the installment payment from the payment gateway (450) and stores it in the storage unit (423). The debt collection processing unit (427) transmits the rental fee paid by the customer every month or the expense payment information including the installment payment to the financial company terminal (430).

As shown in FIG. 4, the device (420) for providing the business agency service based on the factoring business according to the present invention is based on the information stored in the storage unit (423), and the sales results for each customer inflow channel and each month. Current status analysis processing unit (for example, graphs and tables) that generates various analysis materials such as sales volume, rate of return by partner, reason for contract cancellation, delinquency management, customer evaluation, etc. It can be realized by further including 428).

As shown in FIG. 5, the current status analysis processing unit (428) includes a channel-specific performance processing unit (4281), a monthly sales volume processing unit (4282), a rate of return analysis processing unit (4283), and a contract cancellation processing unit (4284). ), The delinquency processing unit (4285), and the customer evaluation processing unit (4286) can be included.

The channel-specific performance processing unit (4281) is used to provide customer inflow channels such as TV shopping, mobile advertisements, web advertisements, or customer reception information, call progress information, product contract information, delivery completion information, and customer information provided at the offline sales floor. Based on the expense payment information and the payment information of the financial company, all the information from customer inflow to debt collection is calculated for each channel. As shown in FIG. 7, in the case of TV shopping broadcasting, the channel-specific performance processing unit (4281) calculates information from customer inflow to debt collection for each broadcast time, broadcast date, and broadcast time, and converts it into a graph or a table. can.

The monthly sales volume processing unit (4282) can calculate the monthly sales volume based on the receivable purchase information for each partner stored in the storage unit (423) as the product contract information that has been delivered to the customer. The monthly sales volume processing unit (4282) can calculate the monthly sales volume information and convert it into a graph or a table.

The rate of return analysis processing unit (4283) calculates sales and the number of sales based on the receivable purchase information for each partner stored in the storage unit (423) as the product contract information that has been delivered to the customer. The rate of return analysis processing unit (4283) calculates the settlement amount by subtracting the amount of the product settlement ratio for each partner from the calculated sales. The product settlement ratio for each partner is calculated in consideration of the deposit, margin purchase amount and contract fee, and commission including the storage agency amount, which are saved for use in the event of premature cancellation or bankruptcy of the partner. Referring to FIG. 8, the rate of return analysis processing unit (4283) can calculate the settlement rate using the calculated settlement amount and the remittance information actually sent from the financial company to the partner, and can convert it into a graph or a table.

The contract cancellation processing unit (4284) corresponds to the reason for contract cancellation and each reason based on the product contract cancellation information input from the customer terminal (150) or the call center (440) and stored in the storage unit (423). You can calculate the number of cases to be processed and convert it into a graph or table. As shown in Fig. 9, the reasons for canceling the contract are simple conversion, burden of money, gift aim, credit loss, reception error, lack of credit card, missing number, opposition of spouse, product dissatisfaction, contract change, etc. There are various.

The delinquency processing unit (4285) can extract the delinquent person based on the cost payment information for each customer input from the payment gateway (450), and can convert the delinquent person information into a list and a table. The customer evaluation processing unit (4286) can calculate the distribution of the credit grade of the customer who has completed the delivery of the product based on the credit inquiry information of the customer and convert it into a table or a graph.

For the smooth operation of each part, the customer can check the progress by distinguishing the inflow process, each stage from the progress of the initial call to the process of concluding the contract, and each stage of delivery. The operation platform provided by the agency service providing device (420) is closely linked with the computer systems of financial companies and factoring business partners (partners), and the software platform that can check all the processes in each stage is the provision of business agency services. It should be mounted and operated on device (420).

As shown in FIG. 6, there are a plurality of call centers that look at the customer reception information and transmit the product contract information including the rental period and rental fee for the product or the installment payment period and installment payment associated with the product purchase to the customer. can do. The plurality of call centers (431, 432, 433) may be external service agencies. It may also be an institution belonging to a provider of business agency services. The corresponding call information stored in the storage unit (423) by the call center, whether it is an external service organization or an affiliated organization, is used.

Therefore, the business agency service providing device (420) based on the factoring business according to the present invention can further include a call distribution processing unit (429). The call distribution processing unit (429) generates a plurality of call information including the customer reception information and the call center identification information stored in the storage unit (423), and stores the plurality of call information in the storage unit (423).

The business agency service providing device (420) based on the factoring business according to the present invention is a factoring business partner (partner) from a financial company as an operation platform capable of providing necessary business for a financial company and a factoring business partner (partner). ) Business status, that is, goods sales performance by customer inflow channel, sales statistics, purchase receivables storage rate and delinquency rate, etc. can be confirmed in real time, and risks and profits for the factoring business can be predicted.

So far, the present specification has been described with reference to the examples shown in the drawings so that a person having ordinary knowledge in the technical field according to the present invention can easily understand and reproduce the present invention. It's just something. Those with ordinary knowledge in the art will appreciate that the present invention allows for a variety of variations and equal other embodiments from the embodiments of the invention. Therefore, the above-mentioned examples are exemplary in all respects and should not be understood as limiting. For example, each component described in the single type can be executed in a distributed manner, and the components described in the same way as distributed can also be executed in a combined form. Therefore, the true technical protection of the present invention should be defined only by the appended claims.

Claims (5)

A business agency that collects the receivables of alliance partners and hands them to the financial company according to the receivables transfer / transfer contract concluded between multiple business partners and the financial company, and also collects the monthly payment from the customer and hands it to the financial company. As a service providing device, the business agency service providing device is
Customers who want to enter customer reception information including the name of the customer who wants to rent or purchase the partner's product in installments from the customer inflow channel for selling the partner's product and the customer terminal identification information, and save it in the storage unit. Reception processing department and
The product contract information including the rental period and rental fee for the product or the installment payment period and installment payment associated with the product purchase is transmitted to the customer terminal, and the customer confirmation information for renting or purchasing the product in installments from the customer terminal is transmitted. A contract processing unit that asks you to enter the product contract information including it, saves it in the storage unit, and transmits the product contract information to the partner terminal.
A delivery confirmation processing unit that asks you to enter delivery completion information for products that have been delivered from a partner terminal and saves it in the storage unit.
A bond purchase processing unit that generates bond purchase information for each partner including delivery completion information and product contract information, stores it in a storage unit, and transmits the bond purchase information for each partner to a financial company terminal.
The remittance processing department, which receives the remittance information for each partner associated with the purchase of receivables from the terminal of the financial company and saves it in the storage department.
Includes a credit collection processing unit that receives cost payment information including rental fees or installment payments that the customer deposits monthly from the payment gateway, stores it in the storage unit, and transmits the cost payment information to the financial company terminal.
A device that provides business agency services based on the factoring business. The contract processing unit
The customer's credit inquiry information input from the credit information providing terminal is saved in the storage unit, and the customer's credit inquiry information is compared with the preset product sales policy for each partner to sell the product to the customer. The smart installment payment system according to claim 1, wherein the smart installment payment system is characterized in that it determines whether or not the product is used and stores the result in a storage unit. The contract processing unit
The smart according to claim 1 or 2, wherein the product contract cancellation information is input from a customer terminal or a call center, stored in a storage unit, and the product contract cancellation information is transmitted to a partner terminal. Installment payment system. The device for providing the business agency service is
The business agency based on the factoring business according to claim 1, further comprising a call distribution processing unit that generates a plurality of call information including the customer reception information and the call center identification information and stores the call information in the storage unit. Service provider. The device for providing the business agency service is
Current status analysis that calculates sales and the number of sales from the receivable purchase information for each partner, and calculates the settlement rate using the settlement ratio subtracted from the sales and the remittance information for each partner. The apparatus for providing a business agency service based on the factoring business according to claim 1, further comprising a processing unit.

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