EP3443529A1 - Procédé de financement automatique de factures - Google Patents

Procédé de financement automatique de factures

Info

Publication number
EP3443529A1
EP3443529A1 EP17717342.4A EP17717342A EP3443529A1 EP 3443529 A1 EP3443529 A1 EP 3443529A1 EP 17717342 A EP17717342 A EP 17717342A EP 3443529 A1 EP3443529 A1 EP 3443529A1
Authority
EP
European Patent Office
Prior art keywords
financier
financing
invoice
buyer
seller
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Withdrawn
Application number
EP17717342.4A
Other languages
German (de)
English (en)
Inventor
Eckehard Stolz
Matthew HATTON
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Traxpay GmbH
Original Assignee
Traxpay AG
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Traxpay AG filed Critical Traxpay AG
Publication of EP3443529A1 publication Critical patent/EP3443529A1/fr
Withdrawn legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/04—Billing or invoicing
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/22—Indexing; Data structures therefor; Storage structures
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0215—Including financial accounts
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof

Definitions

  • the invention relates to a method for automatically financing invoices according to claim 1, as well as a corresponding management platform according to claim 16 and a corresponding computer program product according to claim 17.
  • the seller When providing a service or delivery of a good to a buyer by a seller, the seller usually sends an invoice to the buyer. This usually defines periods within which an invoice must be cleared. From the time the invoice is created, however, there are mutual interests between the buyer and the seller. The buyer will usually try to pay an invoice as late as possible in order to keep the appropriate chapter available for other investments as long as possible. The seller, on the other hand, is interested in paying the bill as soon as possible, as he himself would like to have the financial means available to make further investments. The seller often tries to create an incentive to pay invoices as quickly as possible by granting a discount if the invoice is settled within a shorter period.
  • the present invention relates to a computer-implemented method for automatically financing invoices between a buyer and a seller by at least one financier with a management platform, wherein the management platform has at least one database and at least one evaluation unit.
  • the at least one database flat rate financing offers for financing invoices and target values for business key figures of at least the seller and / or the buyer are stored for the at least one financier.
  • the method now has the steps described below. First, an invoice is received by the management platform from the buyer and / or the seller, the invoice containing at least billing information.
  • the evaluation unit determines at least one potential financier for the received invoice by matching the at least one invoice information of the invoice with the flat-rate financing offers of the at least one financier and the target values for business key figures of the seller and / or the buyer stored in the database of the management platform. If at least two potential financiers are identified, then the evaluation unit determines a best financier whose flat-rate financing offer best corresponds to the target values for business key figures of the seller and / or buyer. The financing of the bill by the thus determined best financier is then automatically contracted by the brokerage platform and the invoice amount is transferred from the financier to the seller. A subsequent payment by the buyer to the seller to settle the bill is then redirected by the management platform to the financier upon the financing of the bill by a financier.
  • the "management platform” may be a server computer system that has a corresponding program installed thereon that can perform the described method, in which case the "database” may be one installed on or with the computer system the computer system connected data storage, such as a hard drive act.
  • the management platform preferably also has at least one communication interface via which the management platform can communicate with a further computer system or a network of computer systems
  • this network may be the Internet, but the management platform may also be partially or completely virtual in terms of cloud computing in a distributed computing system.
  • the communication interface is preferably used to communicate the management platform with the computer systems, which are entrusted on the part of the buyer and the seller with the creation and management of invoices.
  • the terms "buyer” and “seller” are to be understood in a conventional sense. For example, If the seller is the manufacturer and / or distributor of a particular commodity while the purchaser is the corresponding purchaser of the commodity. Buyers and sellers are able to submit invoices to the management platform via their respective computer systems. In addition, buyers and sellers can enter target values for their business key figures in the database of the management platform.
  • the target values for business key figures are, for example, payment terms for invoices, a desired interest on chapters, a liquidity to be achieved, or the like.
  • a liquidity to be achieved can also be linked to a date for which the named liquidity should be available.
  • a seller it is also possible for a seller to define to what extent a seller is willing to grant a discount (discount) in the event of outstanding invoice amounts if the invoice is settled early. It can be defined, for example, that if you pay within 1 week 5% discount will be granted within 2 weeks 3% and from two weeks the full invoice amount must be paid.
  • the management platform may contain the target values of a large number of buyers and sellers.
  • the target values for business key figures stored in the database are not necessarily fixed values. Rather, the defined target values can be dynamically adapted to the business situation of the buyer / seller at any time by a buyer and / or a seller. For example, it may be provided that certain key figures should be optimized before the end of a quarter. After the end of the quarter, however, other key figures can become more relevant, so that the stored target values are adjusted. Furthermore, it can also happen that a buyer orders a large delivery and decides at short notice that he wants to use the high discount of his supplier.
  • a dynamic in the stored target values For example, it may be defined that a stored target value should be increased by a certain amount of time over a certain period of time. Furthermore, different target values for specific periods of time can be defined. For example, buyers and sellers may set different targets for the pre-Christmas season than for the rest of the year. In addition to buyers and sellers, one or more financiers are registered with the management platform.
  • a financier can be understood to mean a financier, for example embodied by a bank, a company, or even a private person.
  • the financiers deposit flat-rate financing requirements in the database of the management platform Financier is willing to settle a certain number of invoices up to a certain invoice amount on behalf of the actual debtor (the buyer) .
  • a financing offer can also contain a multitude of other conditions for financing - but this will be discussed later.
  • an authorization of the management platform is linked to automatically financing the bill by the financier when finding an invoice which corresponds to the financing offer.
  • invoice information in an invoice is defined as invoice information in an invoice.
  • the evaluation unit is now further configured to provide the billing information thus determined, at least with the target values for the business administration data stored in the database
  • the bill indicates a payable amount of 10,000C. Furthermore, the seller has specified in his target values that he is willing to pay a discount of 3% of the invoice amount within 2 weeks when paying an invoice.
  • the database also contains three financing offers. A first offer describes that invoices up to an amount of € 8,000 should be financed with a return of at least 2%. A second offer describes that bills are funded up to an amount of € 20,000 and a return of at least 4%, while a third offer finance up to € 15,000 if the return is at least 2%.
  • the first financing offer is eliminated because the invoice amount is the same as the billing amount Exceeds the funding framework.
  • the second funding offer is also eliminated because, although the funding framework is sufficient, the financier requires a higher minimum return than the seller is willing to grant. Only the third financing offer meets the requirements defined by the billing information and the target values of the seller.
  • the management platform then automatically contracts the financing of the bill by the financier who has deposited the third financing offer in the database. Subsequently, the invoice amount due will be transferred in the short term by the financier to the seller less the discount of 2% of the invoice amount. It should be noted that not the maximum discounted value granted by the seller is used, but the value offered by a financier.
  • the invoice is thus settled on the seller's side. If, in the further course, the actual purchaser instructs the payment of the due invoice amount via the management platform, the management platform registers, for example on the basis of the invoice number, that it is a financed invoice. The payment made by the buyer is then redirected to the financier who paid the bill. If, in the example described above, a fourth financing offer were deposited in the database, which, for example, describes financing for invoices up to € 12,000 with a return of at least 1%, both the financier of the third financing offer and the financier of the fourth financing offer would be potential financiers in Question come. However, since the fourth financing offer most closely matches the seller's target as it means the least loss, in this case the management platform would contract financing with the financier of the fourth financing offer.
  • a single invoice is financed by a plurality of financiers.
  • the piecemeal settlement of the bill by the majority of financiers would then be coordinated by the management platform.
  • the method according to the invention essentially has two advantages initially.
  • the seller has the outstanding funds within a short time, so that further investments can be made by the seller.
  • a financier can make use of short-term discounts granted by the seller, for example by investing surplus funds to settle the outstanding invoice.
  • the financier must invest less money in the settlement of the invoice due to the discount granted, than he will later get back when the buyer clears the bill. Effectively, this results in a profit for the financier.
  • the management platform is also designed to select for a seller from the available financing offers, that financing offer which best corresponds to the target values for its business key figures. It does not necessarily have to be the financing offer that demands the lowest cash discount.
  • a financing offer may be appropriate, the required discount is not the slightest compared to other financing offers, but its financing guarantees a certain liquidity at a given time.
  • the described method also runs completely automatically through a corresponding programmed management platform, so that no additional accounting effort is incurred.
  • the administration platform has received an invoice which defines customary discount conditions for a specific invoice amount in the billing information, such as, for example, 2% discount for payment within 14 days and due date of the full invoice amount after 30 days.
  • an appropriate financing offer may, for example, consist of a financier paying the invoice within the 14-day period claiming the discount offered, but the purchaser will only have to compensate for the financing after 90 days.
  • financing effectively serves the buyer's requirements for an extension of the payment term, allowing the buyer to improve his working capital.
  • invoices for which no suitable financing offer can be found are processed via the management platform.
  • the management platform can also be designed to read out the payment information before forwarding a payment to the seller and to use the information thus obtained, for example, for an assessment of subsequent invoices or for the generation of an invoice history.
  • billing information may include information which designates the invoice itself, the environment of the invoice, and / or a history of the invoice.
  • Information that the invoice itself refers to is, for example, the buyer, the seller, the invoice amount to be paid, terms of payment, the goods to be paid by the invoice, or a status of the invoice, for example, whether the invoice was set by the buyer or seller, whether the bill was approved or denied, or similar.
  • Information describing the environment of an invoice is, for example, the country where the buyer or seller is located, the ordering department of the buyer, or the like.
  • History information includes, for example, the number of similar invoices in the past, the number of similar invoices from other sellers, or the proportion of invoices of a buyer or seller that have experienced problems in the past, such as payment defaults, complaints, or late payment.
  • this further information can be used by the evaluation unit to determine a risk value from the billing information for a received invoice, the risk value determining the probability that an invoice will be paid on time by a buyer. For example, if the billing information indicates that an invoice has been approved by the buyer and seller and there have been a large number of bills between that buyer and seller in the past, all of which have been resolved without any problems, the bill may have a low risk value be assigned.
  • a high risk value is assigned to the invoice by the evaluation unit.
  • the risk values determined in this way for bills can be used by financiers to assess whether or to what extent financing is subject to a default risk. For example, a financier may decide that he only finances high-risk bills when the expected return is high.
  • an upper limit for risk values of invoices can be defined in the flat-rate financing offers of a financier, whereby for invoices whose risk value is above the defined upper limit, the corresponding financier is not determined as a potential financier and / or the bill is sent to the financier with the second best lump sum financing offer is mediated.
  • the definition of a maximum allowable risk value for financing thus provides a financier with an additional tool with which he can more finely define the financing provided by him.
  • a financier can also link an upper limit for a risk value with a return that can be achieved. For example, it may be stipulated that a financier would only want to finance a high-risk calculation if the return that can be achieved is high enough to justify the default risk.
  • a financier can also deposit several flat-rate financing offers in the administration platform. For example, a financier may deposit two flat-rate financing offers, one with a low interest rate but a restrictive limit on the risk to buy and one with a higher potential risk but with a higher interest rate. By automating the assignment of flat-rate financing offers to invoices, a financier can increase his potential business.
  • a blanket financing offer at least one of a financial framework for financing, a number of invoices to be financed, type and / or risk profile of the invoices to be financed, at least one buyer to be financed, at least one vendor to be financed, defines at least one pair of buyers and sellers to be financed and / or a minimum profit to be achieved.
  • the management platform can present to a financier, for example, an input mask for defining a financing offer, in which he can enter the corresponding values for a financial framework, a number of invoices, a limit for the risk value or a minimum profit.
  • a checklist may be displayed in which a financier may select buyers and sellers whose bills he is willing to finance.
  • an information field can be provided for each buyer and seller in turn, which provides financial figures with a financier the appropriate buyer or seller, such as its payment reliability or credit rating.
  • the degree of automation of the described method can be further increased by automatically transmitting bills from a billing management system of a buyer and / or seller to the management platform after the invoice has been created.
  • the computer systems of the buyer and the seller are preferably connected to the management platform such that invoices created are automatically uploaded to the management platform via a network, such as the Internet.
  • a network such as the Internet.
  • the billing management of the buyer and / or seller can be relieved, while at the same time a bill created by a seller can be led on short notice in the management platform for a financing.
  • an invoice can be compensated in a shorter time compared to the seller by a financier.
  • the management platform will request confirmation from the buyer and / or the seller prior to contracting the financing of the bill by the financier. Financing of the bill by the financier will in this case only be contracted by the management platform when all requested confirmations are issued. The query of a confirmation can certainly be provided only for certain invoices.
  • a seller may decide that he or she would like to be informed about the financing offered, in order to decide on short-term circumstances, for example, whether financing and thus a price reduction are reasonable or whether the short-term settlement of the bill combined with a discount currently offers no business advantage for the seller.
  • it can be determined by a seller in his target figures for business key figures that, in the case of a financing offer which does not correspond exactly to the target values but is very close to the target values, a confirmation of the financing should be requested in detail. For example, a seller may choose to be willing to give a 3% discount if paid within 2 weeks.
  • a financing offer For example, you can now specify that payment will be made within one week, but a 3.2% discount will be required.
  • a query to the seller as to whether the financing is confirmed may be beneficial to the seller.
  • the management platform when financing a bill by a financier, the management platform generates and stores in the database a finance book associated with the financed bill and the financier.
  • the financiers registered with the management platform then have access to their respective assigned financing bookings, which are stored in the database.
  • a financial entry can essentially be understood as a confirmation or proof that a financier has taken over financing and on what terms and conditions which invoice is financed. In this way, the financier can make a clear assignment in his bookkeeping bookings from his business accounts to sellers.
  • the financing bookings may be used to make the settlement of financing by a buyer traceable to the financier.
  • the management platform attaches a second payment information to the corresponding transfer when redirecting the payment of a buyer to the financier, the second payment information designates the financing booking, which is associated with the payment underlying, financed invoice.
  • the second payment information designates the financing booking, which is associated with the payment underlying, financed invoice.
  • the previously discussed automation of the method can be further improved according to a further embodiment in that the transfer of the invoice amount is instructed by the financier to the seller by the management platform.
  • provision may be made, for example, for a financier, when setting a lump-sum financing offer in the management platform, simultaneously authorizing the management platform to make transfers in his name within the parameters defined in the financing offer.
  • a separate account for a financier assigned to the financing platform can be opened.
  • the financier when depositing a flat-rate financing offer, the financier would have to provide the corresponding account with an amount corresponding to the financing offer and authorize the management platform to make bookings from that account in his name.
  • the process would be further automated from the moment that an invoice arrives at the management platform, so that financing can be done very quickly and cost effectively. This can be advantageous both for the financier due to higher achievable discounts, as well as for the seller due to short-term cash receipts.
  • changes in the billing information are communicated to the financier after forwarding the bill to the financier.
  • an invoice may be financed by a financier even though the invoice has not yet been approved by the buyer.
  • the bill carries a higher risk of not being compensated by the buyer. If it actually happens that a financed invoice is not or only partially paid by a buyer, for example because a delivered product is incomplete or damaged, or because the buyer became insolvent, then the financier automatically becomes the distributor platform informed. This gives the financier the opportunity to change or completely withdraw existing financing offers that have not yet been claimed for funding.
  • a financier thus has the option of excluding in the parameters of his flat-rate financing offers a buyer who has not previously compensated for an invoice financed by him.
  • a financier may reduce the chapter provided to cover the default risk of the financing, since the failure risk of an invoice diminishes after a bilateral confirmation of an invoice.
  • the buyer may alter the billing information of the bill and / or add additional billing information to the bill. For example, it can be provided here that a buyer can comment on an invoice, for example if he does not agree with billing information, or questions billing information.
  • evidence in the form of images or documents may be transmitted to the management platform for an invoice so that it becomes understandable for a seller why a purchaser is challenging or disputing an invoice .
  • the seller may also be given the opportunity to submit additional billing information to an invoice to the management platform, or to comment later on billing information added by the buyer.
  • this additional billing information stored either by sending the invoices by the buyer or by adding further information of the buyer in the management platform, can be used by the financier (in the case of financed invoices) or by the buyer ( in the case of non-funded invoices), additional payment information is added to the seller, with further payment information indicating, at least, that the payment has deviations from the expected payment amount as a result of adjustments on the part of the buyer.
  • the seller can clearly assign the transfer to the account, whereby at the same time the reasons for the differing invoice amount become evident and thus an automated business accounting of the special discount amount is possible.
  • the buyer could have claimed a short delivery and agreed to a special deduction with an employee of the seller.
  • the management platform stores a history of the invoices processed through the management platform in the database.
  • the evaluation unit determines a risk profile for invoices with similar billing information for future financing from the history, the stored blanket financing offers and the stored target values for business key figures of buyers and / or sellers and makes them available to the at least one financier.
  • the financier can be further estimated the risk of default of an invoice. So far, the process has been described as the buyers and financiers being different people or companies. However, according to one embodiment, it is also provided that at least one of the financiers is a buyer. For example, a buyer may also have excess or unneeded financial resources which he would like to use profitably in the course of a financing.
  • a buyer may act as financier for invoices in which he is initially not involved as a buyer.
  • a buyer can, for example, also support companies who in turn work for him.
  • a buyer may finance a company's bills, which also acts as a supplier to the buyer to increase its performance or productivity.
  • the invention relates to a management platform for automatically financing invoices between a buyer and a seller by at least one financier, wherein the management platform has at least one database and at least one evaluation unit, wherein in the at least one database for the at least one financier lump-sum financing offers to finance invoices, as well as targets for business metrics are stored by at least the seller and / or the buyer.
  • the management platform is designed to:
  • the invention relates to a computer program product executing on a computer system that causes the computer system to perform the method described above or below. Further features, details and advantages of the invention will become apparent from the wording of the claims and from the following description of exemplary embodiments with reference to the drawings. It shows:
  • Fig. 1 is a schematic representation of the structure of an embodiment of a management platform.
  • FIG. 1 shows a schematic representation of an embodiment of a management platform 100.
  • the management platform 100 essentially consists of four sub-platforms 102, 104, 106 and 108.
  • a first sub-platform is the platform for payment of invoices 102.
  • the platform 102 has essentially four databases 1 10, 1 12, 1 14 and 1 16, and six program modules 1 18 to 128.
  • the Databases 1 10 to 16 1 are shown as separate databases, it may well be provided according to the invention that the databases 1 10 to 16 are merely partial areas of a common mass memory of a computer system used.
  • the program modules 1 18 to 128 can also be executed by different processor modules of a computer system or by a common processor module.
  • the databases of the platform 102 in this case has a database 1 10, which is designed to store unconfirmed invoices, and a database 1 12 for storing confirmed invoices. Furthermore, 14 14 bills are stored in the database, which are financed by a financier 140, while in the database 1 16 all bills are stored, which were handled via the management platform 100. These can be both invoices financed by a financier 140 and whose financing is completed, and invoices which have not been settled by means of financing, but directly between buyer 136 and seller 138. By collecting both the financed invoices and the non-funded invoices, an improved risk assessment for current and future invoices can be realized.
  • the platform 102 program modules are a portal 1 18 for confirming financings and for uploading invoices to the platform 100 by a buyer 136, a module for determining matching flat financing offers 120, a module for managing financings 122, a portal 124 for confirming financings and uploading invoices to the platform 100 by a seller 138, a module for managing the payment of bills 126 and a module for managing the payment of financing 128.
  • the platform 104 serves as an interface for financiers 140 with the management platform 100 and has three databases 130 to 134 and a program module 136.
  • a number of possible financing offers are stored, while in the database tenbank 132 the financing offers for which a financier has agreed to subscribe.
  • financial bookings are deposited, which serve as proof of a successful financing of an invoice by a financier 140.
  • the program module 136 also serves as a user interface for financiers 140, through which financiers 140 can, for example, draw flat-rate financing offers or gain insight into the financing they have taken over.
  • the platform 106 serves to manage target values for business key figures of sellers and has a database 142 for storing corresponding seller profiles of the target values for business key figures, as well as a program module 144, which serves as a user interface for sellers, via the sellers in the database 142 can view and change stored information.
  • the platform 108 serves for the administration of target values for business key figures of buyers and for this purpose has a database 148 for storing corresponding buyer profiles of the target values for business key figures, as well as a program module 146, which serves as a user interface for buyers, via the buyers view and change the information stored in the database 142.
  • the user interfaces realized by the program modules 144 and 146 also serve to indicate to a buyer 136 or a seller 138 the effect of a financing being claimed on the respective target values of the business key figures stored in the databases 142 and 148.
  • purchasers 136 and sellers 138 registered at the management platform 100 are offered an interface in which they can track changes in their key figures due to financing in real time and, if necessary, adapt their target values to the changes in the key figures shown, if necessary can.
  • a very short-term fine-tuning of the target values for business key figures can be carried out by buyer 136 or seller 138.
  • the management platform 100 constructed from the sub-platforms 102, 104, 106 and 108 can be designed both on a single computer system and on a decentralized, distributed computer system.
  • the computer system preferably has an interface via which the management platform 100 is connected to a network, such as the Internet.
  • a network such as the Internet.
  • system 150 for planning and controlling the company resources of the buyer 136, as well as an analog system 152 for planning and controlling the seller's business resources 138 are shown by way of example.
  • the systems 150 and 152 each have a program module 154 or 156 for the administration of bills, and in each case a program module 158 or 160 for financing and payment of bills.
  • the systems 150 and 152 are connected via an unillustrated network, such as the Internet with the platform 100.
  • database 130 stores a plurality of financing options that a financier 140 can draw.
  • a financing option may involve financing a credit line for a buyer, financing a set of invoices between a particular buyer and a particular seller, financing a set of invoices from a particular buyer with certain constraints (eg, financing invoices with a bill amount between € 1,000 and € 10,000) or similar constellations.
  • These financing options involve risk information based on the history of invoices, financing or other information and allowing a financier 140 to make a risk assessment in the event that decides to draw such a financing option.
  • a financier 140 decides to subscribe to such a financing option, the corresponding financing option is transferred as a global financing offer of the financier to the database 132 in which drawn, flat-rate financing offers are stored.
  • a financier makes such a flat-rate financing offer he declares, for example by contract, that he accepts any request for financing that meets the parameters defined in the blanket financing offer.
  • One or more flat-rate financing offers of one or more financiers 140 with the respective financing conditions are then stored in the database 132.
  • two financiers 140 have set a line of credit for a particular buyer A.
  • a first financier is willing to pay bills with a return of 0.7% and a funding limit of € 1 million with a maximum invoice amount of a single invoice of € 10,000, while a second financier 140 requires a return of 0.75% but bills with a respective invoice amount of up to to € 50,000 is ready to pay.
  • the user interface 136 of the platform 104 serves to input such values.
  • a financier 140 both companies, such as financial institutions, as well as individuals can occur. It is also possible that a buyer 162 acts as financier, for example, if currently unused funds are available.
  • Buyers 136 and sellers 138 may in turn deposit, via the respective platforms 108 and 106, by means of the respective user interfaces 146 and 144 target values for business key figures in the databases 148 and 142 of the management platform 100. This can be used, for example, to define which discounts can be granted on invoices for early payment, which payment terms are to be achieved, when which funds must be available and the like.
  • buyers 136 and sellers 138 may submit bills via their respective accounting systems 150 and 152 to the platform 102 through the corresponding program modules 154 and 156 via the respective portals 1 18 and 124, with the bills initially being acknowledged by the buyer and the seller , are stored in the database 1 10 for unconfirmed invoices.
  • the invoice can be transferred to the database 12 for confirmed or approved invoices.
  • the invoices received are assessed for their own risk of default. For example, an invoice that has not yet been confirmed by the buyer is valued at a higher risk than an invoice that has already been confirmed by the buyer.
  • other factors such as empirical values with the payment behavior of a buyer 136 towards a seller 138 can also be included in the evaluation of an invoice.
  • the systems 150 and 152 can be designed to automatically transmit created invoices to the management platform 100. If the databases 1 10 and 1 12 have invoices stored, the program module 120 is configured to continuously compare the stored invoices and the billing information contained therein with the flat-rate financing offers stored in the database 132.
  • suitable financing offers are compared with the target values stored in the databases 148 and 142. If one or more financing offer is found for an invoice, which contains the respective business management Improving ratios according to the target values, this financing offer is cached as a potential financing offer. From the potential financing offers found in this way, the financing offer is selected which best corresponds to the target values defined by the buyer 136 and / or seller 138.
  • Buyers 136 and sellers 138 also have the option, in their respective target values, to define that the financing is automatically used in the case of a financing offer matching a bill.
  • financing may be automatically contracted by the management platform 100 and handed over to the finance management module 122.
  • the management platform 100 may also request confirmation from the buyer 136 and / or seller 138 as to whether a financing offer is to be claimed.
  • buyers 136 and / or sellers 138 may approve financing via the appropriate portal 1, 18, 124, respectively, or refuse financing.
  • the program module 122 After the financing of an invoice has been contracted, the program module 122 generates a corresponding data object with the invoice and the selected financing offer in the database 1 14. Furthermore, accepted financing offers or the resulting financing are also displayed in the corresponding user interfaces 136 of the financiers 140. In this way, the registered financiers 140 receive an overview of current financings, as well as the associated data regarding the return achieved, the status of the bill, the risk of the bill, the profit achieved, etc. Furthermore, 134 financing bookings are stored for the financing in the database where the financiers 140 can access their respective financial bookings, for example, to be able to post the current financings in their respective accounting systems.
  • the management platform 100 or program module 128 initiates the payment of the bill by the financier 140, for example, in the form of a transfer of the invoice amount minus the discount granted by the seller.
  • the financier 140 for example, a separate account of a financier may be used for which the management platform has rights of instruction. were cleared.
  • the program module 128 may also check, for example, before the transfer, whether the account is sufficiently covered to make the payment and, if necessary, request a financier 140 to provide adequate cover for the account. The program module 128 ensures that the bill is paid in due time by the financier.
  • the transfer of the invoice amount to the seller 138 can be added by the program module 128 further billing information. For example, it may be specified on which invoice the payment relates, whether or not what the financing is based on, and what price reduction was set in the context of the financing. This information may be used by the program module 160 of the seller's system 152 for a correct posting of the received payment.
  • other means of payment for example by means of a credit card or by means of virtual currencies such as bitcoins or the like are conceivable.
  • any changes in the billing data and status changes of the invoices which have an impact on the valuation of the invoice with respect to its credit risk are tracked by the management platform 100.
  • a previously unconfirmed invoice may have been confirmed by the buyer after contraction of financing, or an invoice may be challenged by the buyer - for example due to a faulty delivery of goods.
  • Such information is represented by an update of the database 14 and the financings stored therein. If necessary, the financing bookings in the database 134 are also updated and the affected financier 140 informed about the change via the user interface 136.
  • the buyer named in the financed invoice sends a corresponding instruction for the payment of the invoice amount to the platform 100 or the responsible program module 126.
  • the program module 126 recognizes that the payment method specified in the The instruction referred to invoice is a financed invoice and accordingly redirects the actually directed to the seller payment to the financier 140.
  • the payment will be accompanied by a payment information stating that this is the compensation for the financing provided which refers, for example, to the associated financing transaction. In this way, the payment received by an accounting system of the financier 140 concerned can be automatically allocated to the corresponding financing.
  • the invoice is transferred to the database 1 16, in which balanced invoices, ie both financed and non-funded invoices, are kept. Furthermore, the corresponding financing booking is updated and the financier 140 informed via the user interface 136 corresponding information.
  • Invoices containing the relevant billing information may then be further used to provide forecasts of the default risk of other invoices from the respective buyers and / or sellers.
  • the business ratios stored in databases 142 and 148 are also updated to reflect the impact of the financing provided by changes in key performance indicators.
  • the instruction received by a buyer 136 to pay for a bill is routinely processed by instructing a transfer of the invoice amount from the buyer to the seller. Also in this case, the corresponding
  • Adjustments are made to the stored business key figures and to the risk estimation data for future invoices.
  • additional information can be added by a purchaser 136 of the payment instruction to the seller 138, which indicates, for example, whether and in what scope a cash discount is claimed, whether offsetting against previous credits takes place, or in the case of a reduced payment to the seller 138 which is the reason for the reduction of the payment amount.
  • This information may be read out by the management platform 100 and used, among other things, for future risk estimates in further calculations

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Abstract

L'invention concerne un procédé mis en oeuvre par ordinateur de financement automatique de factures entre un acheteur et un vendeur par au moins un financier avec une plate-forme de gestion, ladite plate-forme de gestion présentant au moins une banque de données et au moins une unité d'évaluation. A cet effet, des offres de financement forfaitaires, pour ledit au moins un financier, pour financer des factures, ainsi que des valeurs cibles pour des paramètres de gestion d'entreprise concernant l'acheteur et/ou le vendeur, sont mémorisées dans au moins une banque de données. Le procédé comprend les étapes suivantes : réception d'une facture de l'acheteur et/ou du vendeur par la plate-forme de gestion, ladite facture contenant au moins une information de facture, détermination par l'unité d'évaluation d'au moins un financier potentiel pour ladite facture, par ajustement de ladite au moins une information de facture de la facture avec les offres de financement forfaitaires du au moins un financier, stockées dans la banque de données de la plate-forme de gestion et les valeurs cibles pour les paramètres de gestion d'entreprise concernant le vendeur et/ou l'acheteur, détermination par l'unité d'évaluation du meilleur financier dont l'offre de financement forfaitaire correspond au mieux paramètres de gestion d'entreprise du vendeur et/ou de l'acheteur, la passation automatique de contrat, par la plate-forme de gestion, du financement de la facture par le financier déterminé, par ajustement par l'unité d'évaluation de la au moins une information de facture de la facture avec les demandes de financement forfaitaires du au moins un financier stockées dans la banque de données et avec les valeurs cibles pour des paramètres de gestion d'entreprise du vendeur et/ou de l'acheteur, si au moins deux financiers potentiels ont été identifiés, identification par l'unité d'évaluation du meilleur financier possible dont l'offre de financement correspond au mieux aux paramètres de gestion d'entreprise concernant le vendeur et/ou l'acheteur, passation automatique par la plate-forme de gestion du contrat de financement de la facture par le financier identifié et virement par le financier du montant de la facture au vendeur. Un règlement subséquent de l'acheteur au vendeur pour s'acquitter de la facture est ensuite dévié au profit du financier par la plate-forme de gestion en cas de financement concluant de la facture par ledit financier.
EP17717342.4A 2016-04-15 2017-04-03 Procédé de financement automatique de factures Withdrawn EP3443529A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
DE102016107072.6A DE102016107072A1 (de) 2016-04-15 2016-04-15 Verfahren zur automatischen Finanzierung von Rechnungen
PCT/EP2017/057901 WO2017178269A1 (fr) 2016-04-15 2017-04-03 Procédé de financement automatique de factures

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EP3443529A1 true EP3443529A1 (fr) 2019-02-20

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US (1) US20190108560A1 (fr)
EP (1) EP3443529A1 (fr)
CN (1) CN109074610A (fr)
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WO (1) WO2017178269A1 (fr)

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* Cited by examiner, † Cited by third party
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CN109741184A (zh) * 2018-12-30 2019-05-10 深圳乐信软件技术有限公司 融资数据的管理方法、装置、服务器和存储介质
CN114708608B (zh) * 2022-06-06 2022-09-16 浙商银行股份有限公司 一种银行票据全自动化特征工程方法及装置

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US5732400A (en) * 1995-01-04 1998-03-24 Citibank N.A. System and method for a risk-based purchase of goods
US7340433B1 (en) * 1999-07-30 2008-03-04 Orbian Management Limited System and method of transaction settlement using trade credit
US6629081B1 (en) * 1999-12-22 2003-09-30 Accenture Llp Account settlement and financing in an e-commerce environment
GB0101989D0 (en) * 2001-01-25 2001-03-14 Best Quote Direct Ltd Improvements relating to information systems
US20030220863A1 (en) * 2002-05-24 2003-11-27 Don Holm System and method for varying electronic settlements between buyers and suppliers with dynamic discount terms
US20050283433A1 (en) * 2004-06-17 2005-12-22 Visa International Service Association Method and system for providing seller bank receivable discounting services
US20070255663A1 (en) * 2004-12-23 2007-11-01 Randy Jordan System and Method for direct negotiation between buyers and sellers for products and services, and between buyers and Lending and Travel services
US20060167792A1 (en) * 2004-12-29 2006-07-27 Hahn-Carlson Dean W Multi-supplier transaction and payment programmed processing system and approach
WO2006079878A1 (fr) * 2005-01-27 2006-08-03 Validation Clearing Bureau (Proprietary) Limited Financement de factures
US20060173772A1 (en) * 2005-02-02 2006-08-03 Hayes John B Systems and methods for automated processing, handling, and facilitating a trade credit transaction
TW200816067A (en) * 2006-09-20 2008-04-01 Jing-Min Zhuang Business to business e-commerce system and method thereof

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US20190108560A1 (en) 2019-04-11
DE102016107072A1 (de) 2017-10-19
CN109074610A (zh) 2018-12-21

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