KR102031708B1 - Sales credit mediation system for advance investment - Google Patents

Abstract

The present invention provides a sales credit mediation system for advance investment including a web server operated by an intermediary company. A web server is connected to a communication network to perform various functions including a virtual investment information posting function, an investment reservation receipt function, a subscription reception function, and an additional investment raising function. According to the present invention, the time between the time when a current holder applies for converting accounts receivables into cash from the time when the accounts receivables are converted into cash is significantly shortened compared to the conventional, and various other effects occur.

Description

Pre-Investment Receivable Brokerage System {SALES CREDIT MEDIATION SYSTEM FOR ADVANCE INVESTMENT}

The present invention relates to an investment attracting receivable brokerage system, and more particularly, a pre-investment attracting receivable brokerage system prepared to recruit in advance investors to invest in future receivables that are likely to be cashed in the future. It is about.

When commerce occurs between companies, the buying company that buys goods or services (hereinafter referred to as "the transaction") pays the trading company to the selling company who sold the above transaction. Transactions are usually paid in cash, but may also be paid in receivables in the form of paper and electronic bills.

Selling companies that hold trade receivables can cash out trade receivables by receiving transaction payments at the maturity date of the trade receivables. In addition, the selling company may cash the trade receivables by discounting the trade receivables and transferring them to others, even before the due date of the trade receivables.

Therefore, in relation to trade receivables, the company or individual who first issued the trade receivable (hereinafter referred to as "the first issuer"), the company or individual who holds the receivables (hereinafter referred to as "the current holder"), and trade receivables One or more companies or individuals who have held trade receivables from the original issuer to the present holder (hereinafter referred to as "the past holder"), or any company or individual who intends to purchase receivables from the current holder (hereinafter referred to as "the holder of the claimant"). And many other interests.

An example of a technique for relaying trade receivables traded online between interested parties as described above is disclosed in Patent Registration No. 10-0512151 (Electronic Bill Trading System and Method).

In the above registered patent, the web server connected to the communication network receives the information about the electronic bill from the current holder, registers it as a property, and sends the trading result to the electronic bill management system when the holder of the purchaser pays the purchase price for the registered property. As a result, mediation of electronic bills is brokered.

Another technique for relaying trade receivables between stakeholders online is disclosed in Korean Patent Publication No. 10-2019-0009238 (Electronic Bill Brokerage System and Method).

In the technology disclosed in this patent, the investor also participates as a stakeholder, and the investment attracted from the investor is used as the purchase price of the electronic bill currently registered by the holder, and the par value recovered from the original issuer at the expiration of the electronic bill is given to the investor. It is distinguished from the technology disclosed in the above patent in that it is allocated.

Registered Patent No. 10-0512151 (Electronic Bill Trading System and Method) Korean Patent Publication No. 10-2019-0009238 (Electronic Bill Intermediation System and Method)

In general, in the investment-driven trade receivable brokerage system, as described in the above-mentioned Patent Publication, after the application of the application for cashing of the trade receivables from the current holder, the recruitment of investment funds to be used for the purchase of the trade receivables begins.

However, in such a case, there is a limit in providing time convenience to the current person due to the long time from the time when the current holder applies for the receivables of the receivables.

Therefore, the present invention is to provide a technology that can significantly reduce the time between the time the holder of the current application for the receivables of the receivables cash, when the receivables cashing is realized.

The present invention provides a pre-investment attracting receivable brokerage system including a web server operated by an intermediary company. The web server is provided to be connected to a communication network to perform the following functions.

Virtual investment information including information on the first issuer for each of the first issuers who issued the trade receivable for the first time, and information on the estimated discount rate for each first issuer, which is calculated in advance for each first issuer in anticipation of the account receivable. A virtual investment information posting function that publishes a web page for publishing; An investment reservation reception function for receiving a reservation investment amount for the selection of at least some of the first issuers and the receivable of the selected first issuer through the posting web page, and counting the total amount of the reservation investment amount for each first issuer; Through the web page for subscribers, which can be accessed by the subscriber who wants to offer the transfer using all or part of the par value indicated on his or her receivables, the bond information and the terms of the subscription are entered and the A subscription reception function for guiding the total amount of the reservation investment; And when the total amount of the reserve investment for the receivables is less than the recruitment investment amount, the investment amount for posting additional recruitment information including the bond information, the discount rate, the additional recruitment investment amount, and the deadline for the additional investment application on the posting web page. Recruitment function;

When performing the virtual investment information posting function, the web server determines the similarity between the company information extracted from the past investment history and the issuer information for each first issuer according to a preset criterion to an investor who can check the past investment history. To sort the virtual investment information in ascending order and provide it electronically.

When the virtual investment information posting function is performed, the web server may preview the similarity between the company information extracted from the employment information and the issuer information of the first issuer to an investor who can confirm at least one of the past employment information and the current employment information. After determining according to a set criterion, the virtual investment information is arranged and provided electronically in the order of high similarity.

The company information extracted from the employment information includes company information on the company to which the investor belongs and transaction company information on the company having a transaction history with the company to which the investor belongs.

The web server also counts the number of reservations when the total amount of the reservation investment amount is calculated for each first issuer in the investment reservation reception function, and at least one of the total amount of the reservation investment amount and the number of reservations when performing the virtual investment information posting function. Post to the posting web page.

When performing the investment reservation acceptance function, the web server electronically notifies the account of the total amount of the reservation investment to induce the account included in the publisher-specific issuer information to participate as the subscriber.

When the web server performs the subscription reception function, the web server also guides the prospective amount of the investment fund for the transferable bond and the expected period of the investment fund through the web page for the subscriber. Here, the expected investment amount is calculated using the estimated discount rate information and the bond information, and then calculates the estimated discount rate using the estimated discount rate and the value of the bond receivable. The expected investment period is calculated on the basis of the result of the comparison and the period required for recruitment of the total reserve investment amount for the transferable bond after comparing the expected amount of the investment investment amount and the total amount of reserved investment for the transferable bond.

According to the present invention, since the investments in the trade receivables are recruited in advance, the time between the time when the current holder applies for the cashing of the receivables above and the time when the receivables are realized is substantially shortened compared to the prior art.

In addition, according to the present invention, since investment targets having high interest are introduced first to investors who want to make an investment reservation for trade receivables, investors can enjoy the advantage of selecting a target investment reservation very convenient.

In addition, according to the present invention, since the investors who want to make a post-investment reservation can easily grasp the status of the pre-investment reservation, other investors may refer to the preferences of other investors in selecting their pre-investment targets.

Further, according to the present invention, it is possible to make the current holders of the accounts receivable of the first issuer whose investment is previously recruited recognize that the receivables can be quickly cashed.

In addition, according to the present invention, it is possible to estimate in advance the point at which the present holder can realize the cashing of the receivables before applying for the cashing of the receivables held by the current holder.

1 is a block diagram showing a pre-investment attracting receivables brokerage system according to the present invention.
FIG. 2 illustrates the relationships among stakeholders involved in the operation of the pre-investment type receivable brokerage system shown in FIG. 1.

Hereinafter, preferred embodiments of the pre-investment type receivable brokerage system according to the present invention will be described in detail with reference to the drawings. The terms or words used below should not be construed as being limited to ordinary or dictionary meanings, and the inventors can properly define the concept of terms in order to explain their invention in the best way. It should be interpreted as meanings and concepts corresponding to the technical spirit of the present invention.

The pre-investment attracting receivable brokerage system according to the present invention includes a web server 110 as shown in FIG. The web server 110 is operated by an intermediary company connected to the communication network and database 112, and performs various functions in conjunction with the subscriber terminal 120, investor terminal 130 and the like connected to the communication network. Hereinafter, the functions performed by the web server 110 will be described by dividing them into a virtual investment information posting function, investment reservation reception function, subscription reception function, and investment fund additional recruitment function.

Current holders of trade receivables, on the other hand, may be cashed by receiving the face value of the receivables from the first issuer of the receivables at the receivable date. However, current holders urgently needing to cash out their trade receivables will attempt to cash their receivables in the form of transferring all or part of their face value to others, even before the receivable date. In the following, the present holder who intends to cash out before the maturity of the trade receivable is referred to as "subscriber", and all or part of the face value of the trade receivable which the subscriber intends to cash out is referred to as "transferable bond".

<Virtual investment information posting function>

The web server 110 provides a posting web page that an investor can access through a terminal 130 connected to a communication network to perform a virtual investment information posting function, and posts the virtual investment information on the posting web page.

The web server 110 includes the first issuer information and the estimated discount rate information for each first issuer in the virtual investment information.

The issuer information for each of the first issuers above is information on each of the first issuers who issued the trade receivable for the first time, and the original issuer's name, business registration number, corporation registration number, type of business, sales, operating profit, and business address. , Contact information, credit information (such as credit rating), representative information, account information, and so on.

The brokerage firm obtains the original publisher-specific publisher information from related companies or agencies (eg, electronic bill management agency, credit information company or agency, etc.) in advance and stores it in the database 112. In this case, the intermediary company may allow the web server 110 to periodically receive the publisher information for the first issuer from the server (not shown) of the relevant companies or institutions and store it in the database 112, the person in charge of the brokerage company The user may periodically receive publisher information for the first issuer from the relevant companies or organizations through means other than the web server 110 and store the information in the database 112.

The estimated initial discount rate information for each first issuer is information that the web server 110 calculates in advance for each first issuer in anticipation of the accounts receivable and stores it in the database 112.

The web server 110 substitutes credit information (e.g., grades 1 to 18) and preset shortest and longest periods (e.g., six months, three years, etc.) of the publisher information for each first issuer into a predetermined estimated discount rate calculation formula. The estimated discount rate information for each first issuer for the first issuer is calculated in the form of a range of values and then stored in the database 112.

For example, if the first issuer information of the first issuer includes the fact that the first issuer, A, has a five-grade credit rating, and the preset shortest and longest durations are 6 months and 3 years, respectively, the web server 110 may read 5. Calculate the estimated discount rate of 5.1% by substituting the rating and six months into the estimated discount rate formula, and calculate the estimated discount rate of 5.8% by substituting the ratings of 5 and 3 years into the estimated discount rate formula. Is provided as an estimated discount rate for the original issuer. In addition, the web server 110 calculates and stores the expected discount rate information in the database 112 in the same manner for each of the first issuers included in the issuer information for each first issuer.

The web server 110 posts the above-described virtual investment information stored in the database 112 on the post web page, and the investor may select the first issuer to invest by checking the virtual investment information posted on the post web page.

On the other hand, if there is investor information secured in advance and stored in the database 112, the web server 110 may also take the following additional measures when performing the virtual investment information posting function.

First, if the previously obtained investor information is the past investment history, the web server 110 advances the similarity between the company information (industry type, sales, credit rating, operating profit, etc.) extracted from the past investment history and the issuer information for the first issuer in advance. Judgment is made according to the set criteria, and the virtual investment information is sorted in order of high similarity and provided to the investors electronically.

Here, the electronic provision means providing the virtual investment information by an investor's e-mail, or providing the virtual investment information through a posting web page that can be accessed by an investor who has logged in. After performing the electronic provision, the web server 110 may transmit a message informing the purpose of the investor terminal 130.

Also, if the investor information secured in advance is employment information including at least one of past employment information and current employment information, the web server 110 extracts company information from the employment information. Here, the company information extracted from the employment information is the company information for the company to which the investor belongs, or the company information for the company that has a transaction history with the company to which the investor belongs, or both the company information and the company information mentioned above. Can be.

The web server 110 determines the similarity between the company information extracted from the office information and the publisher information for each of the first publishers according to a preset criterion, and arranges the virtual investment information in the order of high similarity and provides it to the investor electronically. The meaning of electronic provision is the same as described above.

The investor can select the first issuer to invest by checking the virtual investment information provided electronically as above.

<Investment reservation function>

When performing the investment reservation reception function, the web server 110 receives a selection of some or all of the original issuers from the investor through a posting web page. For example, if there are 100 original publishers posted on a publishing web page, the investor may receive a selection of the first publisher among them.

In addition, when the investment reservation reception function is performed, the web server 110 receives a reservation investment amount through a web page for posting. Continuing to cite the above example, if the investor is willing to invest 10 million won in the future when the first issuer, A, attempts to cash out, the reserve will receive 10 million won from the reserve.

In addition, when performing the investment reservation reception function, the web server 110 aggregates the total amount of the reservation investment for each first issuer. In the case of the previous example, if the initial investment of A is inputted by the investor 1 for 10 million won and the investor 2 receives the 10 million won reserved investment, the total amount of the reserve investment for the first issuer, A, is 20 million. Expression The sum of these advance investments is made for each of the original issuers.

The web server 110 also counts the number of reservations utilized for the counting when the sum of the reservation investment amount is summed up. In the previous example, the reserve investment of investor 1 and the reserve investment of investor 2 were used to aggregate the investment, so the number of reservations for the first issuer, A, would be two.

At the time of performing the investment reservation reception function, the web server 110 may electronically notify the total amount of the reservation investment amount to the client of the corresponding first issuer that can be identified by the issuer information for each first issuer.

To reiterate the above example, if the first issuer of the first issuer A and B as a source of purchase, the web server 110 is 20 million won as a reserve investment for the first issuer A E-mails, text messages, etc. are notified electronically to the B and C customers. When this function is performed, there is an advantage that it is possible to induce the accounts (B, C) holding the accounts receivable of the original issuer (A) to participate as subscribers for the cashing of the receivables.

The web server 110 may post at least one of the sum of the total investment amount and the reservation number calculated as described above to the web page for posting when the <virtual investment information posting function> is performed. The investor then checks the total investment (20 million won) and the number of investments (two) invested for each first issuer (A), and can refer to it when he wants to invest.

Meanwhile, in the present specification, the publication web page does not mean a single web page, but is a collective name of web pages that an investor can access. Therefore, the publishing web page should be understood as a concept of a group consisting of a plurality of web pages, not a single web page, and web pages for other purposes other than the posting web page should be understood as well.

<Subscription reception function>

The web server 110 provides a web page for subscribers that the subscriber can access to perform the subscription reception function.

The offerer's web page will provide fields for entering bond information and offer terms for the receivable. The information above includes the information displayed on the receivables (the face value of the receivables, the date of issue of the receivables, the maturity of the receivables, the original issuer of the receivables, and one or more former holders of the receivables while the receivables were handed from the original issuer to the subscriber). And the like).

The above offer terms include the face value of the trade receivables that the subscriber wishes to transfer, ie the face value of the receivables, and the deadline for the transfer that the subscriber wishes to transfer. In addition, the offer condition may further include a desired discount rate for the offeror's face value.

The web server 110 receives the above-mentioned bond information and subscription terms presented by the subscriber through the web page for the subscriber, completes the subscription reception function, and stores the received bond information and the subscription conditions in the database 112.

Meanwhile, the web server 110 displays the sum of the reservation investment amount on the web page for subscribers together with the above input fields. At this time, the web server 110 confirms the first issuer from the bond information input by the subscriber, and then reads and displays the sum of the reserve investments collected for the first issuer from the database 112. When the total amount of the reserve investment is provided on the subscriber's web page, the subscriber can easily check whether the cash can be processed quickly, and the face value that allows the quick cashing.

In addition, the web server 110 may display the prospective amount of the investment fund for the receivables and the expected period for the investment fund on the subscriber web page.

In order to calculate the expected investment amount, the web server 110 uses the estimated discount rate information calculated in the <Virtual Investment Information Posting Function>, the bond information and the face value of the receivable bond presented by the subscriber.

As in the previous example, the discount rate information calculated for the first issuer named A was 5.1% to 5.8%, and the subscription was made with only 20 million won of the bond's face value of A $ 100 million. If so, the web server 110 determines 5.3% corresponding to a period of one year (bond information) within the range of the estimated discount rate as the estimated discount rate for the transferable bond.

Thereafter, the web server 110 multiplies the determined discount rate 5.3% by the par value of the receivables bond of 20 million won, calculates the discount amount to be 106 million won, and recruits 1,940,000 won by subtracting the discount amount of 106 million won from the receivable bond value of 20 million won. Calculate with an estimate.

In order to calculate the expected investment period, the web server 110 compares the estimated investment amount calculated above with the sum of the reserved investments already recruited for the first issuer, and compares the result with the estimated discount rate and the data. The information on the prior recruitment cases stored in the database 112 is used.

In the case of the previous example, the web server 110 compares the estimated investment of KRW 18.94 million with the sum of the reserved investments of 20 million won for the first issuer A, and the comparison result exceeds the estimated investment investment total of the reservation investment amount. As such, the expected period for investment funding is calculated "immediately."

If the sum of the reserved investments already recruited for the first issuer A is only $ 8.94 million, the web server 110 calculates the period of time that is expected to be required to recruit 10 million won, which is the difference between the expected investment amount and the sum of the reserved investments. This period is determined as the expected period for investment funding.

In this case, first, the web server 110 stores the similar recruitment cases in which the recruitment was made in the database 112 at a discount rate close to the estimated discount rate. Select from saved prior recruitment cases. Proximity here means within a predetermined error range, and the same below.

In the previous example, the estimated discount rate and the difference between the initial issuer of A receivables were 5.3% and 10 million won, respectively, so that the recruitment amount close to 10 million won at a discount rate close to 5.3% of the preceding recruitment cases stored in the database 112. What has been done, the web server 110 selects similar recruitment cases.

In this screening process, the web server 110 may use the credit rating of the original publisher. In the case of the previous example, among the cases where the recruitment of the first issuer was close to A's credit rating (rating 5), the web server 110 showed similar recruitment cases, with a recruitment amount approaching 10 million won at a discount rate of 5.3%. It is selected by.

After selecting the similar recruitment cases, the web server 110 calculates the average investment recruitment period for the similar recruitment cases (the total sum of the investment recruitment periods for each similar recruitment case divided by the number of similar recruitment cases). It is decided by the expected period of investment funding.

When the above-mentioned sum of the expected investment amount and the expected period of the fund investment are displayed on the subscriber's web page, the subscriber's position immediately at the time of the application for subscription whether the transfer of the receivable can be made immediately or if it can not be made immediately. You can enjoy the benefits.

<Examination of subscription>

When the subscription acceptance function is performed, the brokerage firm will proceed with the review of the subscription. At this time, the web server 110 provides an internal screening web page that can be accessed by a person in the intermediary company to facilitate the subscription screening of the brokerage company, and inputs the information and information displayed on the webpage for subscribers to the webpage. Display the information.

The brokerage firm checks the above information displayed on the internal review web page, and then judges the rejection of the subscriber's subscription or the original approval to approve the original, or the modification approval to approve a part of the original. Can be adopted as.

The web server 110 electronically notifies the subscriber of the examination result input to the internal examination web page. For example, if the result of the review is rejection, the fact that the offer was rejected and the reason for the rejection are as described and entered into the subscriber's web page (for example, estimated discount rate = review discount rate, recruitment investment amount = recruitment investment amount). Examination amount, expected period for investment funding = investment period for investment funding, etc.) If the fact of accepting the offer and its amendment are corrected by the broker (eg, estimated discount rate-> screening discount rate, projected investment fund amount) -> Recruitment investment amount, expected period of investment recruitment-> Investment recruitment examination period, etc.) The offerer is notified of the offer and modifications made by the broker are electronically informed.

The electronic manner in which the notification is made is not particularly limited. For example, the web server 110 may display the screening result on the subscriber's web page and notify the subscriber's mobile phone. In addition, the web server 110 may send the above examination results to the subscriber's e-mail, and may notify the fact to the subscriber's mobile phone.

<Additional Investment Funding Feature>

If the total amount of the reserved investment is more than the amount of the investment investment examination, additional investment is not required. Therefore, the process of receiving the investment immediately begins. In this process, the web server 110 guides the investors differently for each virtual account to deposit the investment corresponding to the reserve investment. The virtual account is requested by the web server 110 to the financial institution server 140 operated by the cooperative financial institution, and then guides the investors. When all the investment funds are deposited, the investment recruitment ends.

On the other hand, if the total amount of the reserved investment is less than the recruitment investment screening amount, the investment is received from the investors who reserved the investment by the same procedure as above, and at the same time, additional investment is made as follows.

When performing the investment additional recruitment function, the web server 110 posts the additional recruitment information including the bond information for the receivables, the discount rate, the additional recruitment investment amount, and the deadline for the additional fund investment on the posting web page.

The review discount rate is determined by the brokerage firm in <App review> and stored in the database 112. If the result of the examination is "original approval", the discount rate may be the same as the expected discount rate. In the case of "modification approval", the discount rate may be different from the expected discount rate.

The additional recruitment investment amount is a difference obtained by subtracting the sum of the reserve investment amount from the recruitment investment examination amount, which is calculated by the web server 110 in advance or at the time of performing this step and stored in the database 112.

The deadline for additional investment funding is designated by the web server 110 as the deadline of the investment funding examination period, or by the web server 110 as the transfer deadline included in the subscription conditions, or the earlier of the above two days or earlier. The web server 110 may be designated as the day before the set number of days, or the web server 110 may be determined by the intermediary company and stored in the database 112.

Those who have viewed the additional recruitment information posted on the posting web page may request investment participation from the website, and the web server 110 guides the investors who have requested the investment participation to the virtual account to deposit the investment. In addition, the web server 110 updates in real time the total investment sum of all investments deposited by the investors who participated in the investment, and terminates the investment immediately after the total investment reaches the additional recruitment investment.

<Process after the end of investment funding>

When the funding ends, the holder of the transferable bond is changed. In this process, the subscriber endorses the transferable bond and becomes the past holder's position, and the brokerage firm takes over the transferable bond and becomes the holder's current position (the brokerage firm has acquired the transferable bond through its subsidiary and is now in a position of exhaustion). Concept). In addition, in this process, the web server 110 passes the investment funds from the virtual accounts to the account of the intermediary company and transfers the funds to the subscriber's account.

If this condition persists and the maturity date of the receivable is due, the intermediary company charges the face value of the receivable. When the bond's face value is deposited from the first issuer into the account of the intermediary company, the web server 110 divides the investment amount by dividing the bond's face value according to the investment ratio into the account of each investor.

As described above, although the present invention has been described by way of limited embodiments and drawings, the present invention is not limited thereto and is intended by those skilled in the art to which the present invention pertains. Various modifications and variations may be made within the scope of the claims to be described, and the above-described embodiments may be variously combined.

110: web server 112: database
120: subscriber terminal 130: investor terminal
140: financial institution server

Claims (7)

In the pre-investment type receivable brokerage system including a web server connected to a communication network operated by an intermediary company,
The web server,
Virtual investment information including information on the first issuer for each of the first issuers who issued the trade receivable for the first time, and information on the estimated discount rate for each first issuer, which is calculated in advance for each first issuer in anticipation of the account receivable. A virtual investment information posting function that publishes a web page for publishing;
An investment reservation reception function for receiving a reservation investment amount for the selection of at least some of the first issuers and the receivable of the selected first issuer through the posting web page, and counting the total amount of the reservation investment amount for each first issuer;
Through the web page for subscribers, which can be accessed by the subscriber who wants to offer the transfer using all or part of the par value indicated in his or her receivables, the bond information and the terms and conditions of the transfer are entered and entered into the transferable bond. A subscription reception function for guiding a sum of the reservation investment amount; And
If the sum of the reserved investments on the transferable bonds falls below the recruitment investment examination amount, which is a predetermined investment amount to be recruited to the transferable bonds at the broker's examination of the subscription of the offeror, the bond information on the transferable bonds, A review discount rate, which is a discount rate predetermined to be applied to the transferable bond in the examination of the brokerage firm, and an additional recruitment investment fund and a deadline for further recruitment of investment fund, which is a difference obtained by subtracting the sum of the reserved investment amount for the transferable bond from the recruitment investment audit amount; Additional recruitment for posting additional recruitment information to a publishing web page;
When performing the subscription function, the web server also guides the expected amount of investment investment for the transferable bond and the expected period of investment investment through a web page for subscribers,
The estimated investment amount is calculated using the estimated discount rate information for each issuer and the bond information on the transfer bonds, and then the estimated discount rate on the transfer bonds is used to estimate the discount rate on the transfer bonds and the face value of the transfer bonds. Calculate,
The expected investment period is compared with the expected investment amount and the total amount of reserved investments for the receivables, and then the result of the comparison, the estimated discount rate for the receivables, and information on the preceding recruitment cases stored in the database are used. Investment receivable brokerage system. The method of claim 1,
When performing the virtual investment information posting function, the web server determines the similarity between the company information extracted from the past investment history and the issuer information for each first issuer according to a preset criterion to an investor who can check the past investment history. The pre-investment receivable brokerage system that arranges the virtual investment information in high order electronically. The method of claim 1,
When the virtual investment information posting function is performed, the web server may preview the similarity between the company information extracted from the employment information and the issuer information of the first issuer to an investor who can confirm at least one of the past employment information and the current employment information. A pre-investment attracting receivable brokerage system for electronically sorting and providing the virtual investment information in the order of high similarity after judging according to a set criterion. The method of claim 3,
The company information extracted from the employment information is a pre-investment type receivable brokerage system including the company information for the company to which the investor belongs and the company information for the company that has a transaction history with the company to which the investor belongs. The method of claim 1,
The web server also counts the number of reservations when the total amount of the reservation investment amount is calculated for each first issuer in the investment reservation reception function, and at least one of the total amount of the reservation investment amount and the number of reservations when performing the virtual investment information posting function. A pre-investment type receivable brokerage system for posting on the posting web page. The method of claim 1,
When performing the investment reservation acceptance function, the web server pre-investment type sales that electronically notify the account of the total amount of the reserve investment to induce the account included in the publisher-specific issuer information to participate as the subscriber. Bond Brokerage System. delete