KR101870032B1 - System for seizing online account receivabl - Google Patents

Abstract

The present invention relates to an on-line trade receipt foreclosure system capable of inquiring and seizing on-line trade receivables generated between a delinquent party and a third party borrower, and is provided with delinquent party information and foreclosure policy information through a delinquent information registration unit, And an on-line receivable information management unit that monitors the on-line receivables collection information, and inquires whether there is on-line receivable information corresponding to the delinquent person information through an external third-party debtor server, And generates a receivable collection information by analyzing the receivable collection information.

Description

SYSTEM FOR SEIZING ONLINE ACCOUNT RECEIVABL

The present invention relates to an on-line merchandise foreclosures system, and more particularly, to a system capable of on-line inquiry and foreclosure of on-line merchandise receipts incurred between a delinquent person and a third debtor.

Collection is a way of collecting the debt, tracking the location of the debtor, and inducing debt repayment, such as by calling or interviewing. Collection is usually carried out as a way of collecting unsecured bad debts without collateral, which requires more specialized debt collection know-how and systematic management system than forced enforcement method.

In particular, there is a need for state collection agencies related to utility bills and taxes to have a variety of delinquent management systems ranging from small to large amounts and from off-line to online. In this regard, as a prior art for the bad debt management system, Korean Patent Laid-Open No. 10-2009-0035980 discloses a technique for a bad debt management system using an electronic document.

However, the above-described prior art simply extracts electronic documents related to non-performing loans and financial transactions, verifies the electronic documents corresponding to non-performing loans of the extracted electronic documents, stores them in the electronic document DB, and provides systematic and rational There was a limit that it could not be. In addition, the prior art has a limitation in that it can not systematically process inquiries and foreclosures on online bonds.

Therefore, it is necessary to develop a new system or method that can track and collect relevant online bonds on the basis of delinquent information of delinquent persons.

Disclosure of the Invention The present invention is conceived to solve the above-mentioned problems, and it is an object of the present invention to promptly seize the related bonds according to the delinquent information of the delinquent person, thereby carrying out timely delinquent delinquency and reducing the workload of the delinquent person in charge.

In order to solve the above-mentioned object, the present invention provides an information processing system including a delinquent information management unit for receiving delinquent person information and foreclosure policy information through a delinquent information registration unit and providing the information to a receivables management unit, An online receivable foreclosure system including a sales receivable management unit for inquiring whether online receivable information corresponding to the delinquent person information exists via the server and analyzing online sales receipts viewed according to the seizure policy information to generate receivable collection information, .

According to an aspect of the present invention, the delinquent information registration unit may directly register or delete delinquent person information for each delinquent person through a user, or provide delinquent person information in the form of a TXT file, a CSV file, or an Excel file, To update delinquent information.

According to another aspect of the present invention, the delinquent-information registration unit can classify and store the high-delinquent delinquent person if the delinquent amount of the delinquent person information is equal to or larger than a predetermined amount.

According to still another aspect of the present invention, the delinquent information registration unit can encrypt and store delinquent person information.

According to another aspect of the present invention, the accounts receivable management unit is provided with a pre-set list of persons classified as delinquents in accordance with at least one of the National Tax Basic Act, the Local Tax Act, the Customs Act, the Law on Collection of Local Tax Out- If there is more than the amount of delinquent, it can be classified as a delinquent person who is valid.

According to another aspect of the present invention, the merchandise receipt management unit classifies the on-line merchandise receivable searched through the external third-party debtor server as either a payout result, a non-payout result, or a non-trader.

According to another feature of the present invention, the accounts receivable management department can classify the accounts receivable as non-performing if the cumulative sales performance of the online accounts receivable is less than the preset amount for the three months immediately preceding the time when the inquiry is requested through the external third obligation have.

According to another aspect of the present invention, when the online receivables are classified as positive, the receivables manager can request collection processing of the online receivables with the server of the foreclosing agency.

According to another aspect of the present invention, when the delinquent amount of the delinquent person information changes to a predetermined amount or less, the merchandise receivable management unit can request the seizure-free processing for the on-line trade receivable seized by the server of the seizure institution.

According to another aspect of the present invention, the on-line trade receipt foreclosure system may further include a notification unit for delivering new receipt collection information to a user when the receipt collection information is generated or updated.

According to another feature of the present invention, the foreclosure policy information includes the same area group classification information and the same sector group classification information, and the same area group classification information is separately classified into a sub-area group code And the same business type group classification information includes an upper business category code different from the lower business category code according to the classification of the business category of the national tax office, The same regional group classification information and the same industry group classification information can be given according to the information.

In this case, the receivables manager classifies the delinquent persons into delinquent groups belonging to the same area group when the upper area code of the delinquent person information is the same, calculates the delinquent amount recovery rate based on the total delinquent amount with respect to the total delinquent amount, Information can be generated.

In addition, when the upper industry classifying code of the delinquent person information is the same, the receivables manager classifies the delinquent persons into the delinquent group belonging to the same business class group and calculates the delinquent recovery rate based on the total amount of the past due in the upper business class classification, Recovery rate information can be generated.

Also, the foreclosure policy information includes information on the related institution collection department according to the upper region group code, and when the local collection rate is lower than the predetermined recovery rate, delinquent persons belonging to the upper region group code are risky Delinquent persons, and notifies the list of delinquents who have been changed to the risk delinquent person by the local collection rate information through the notification unit.

Also, the foreclosure policy information includes information on the related institution collection department according to the upper industry classification code, and when the industry collection rate is lower than the predetermined recovery rate, delinquents belonging to the upper industry classification code are classified as dangerous Delinquent persons, and notifies the related institution collection department of the list of delinquents who have been changed to the risk type delinquent and information on the type of industry recovery rate.

According to the on-line trade receipt foreclosures system according to the present invention, it is possible to eliminate the blind spot of foreclosures and achieve vertical and horizontal equality of taxes through foreclosures of the online e-commerce trade in the case of the conventional offline foreclosures.

Also, according to the on-line trade receipt foreclosures system according to the present invention, it is possible to efficiently track and collect the on-line bonds by tracking the on-line bonds on the basis of delinquent information of delinquents.

1 is a schematic diagram of an online merchandise foreclosures system in accordance with an embodiment of the present invention.
FIG. 2 is a view showing a detailed configuration of a trade receivable management unit of an online merchandise foreclosures system according to an embodiment of the present invention; FIG.
FIG. 3 through FIG. 12 illustrate operation interfaces of an online merchandise collection system according to an embodiment of the present invention;

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. It is to be understood, however, that the embodiments described below are only for explanation of the embodiments of the present invention so that those skilled in the art can easily carry out the invention, It does not mean anything. In describing various embodiments of the present invention, the same reference numerals are used for components having the same technical characteristics.

Although an exemplary implementation of one or more embodiments is provided below, it should be appreciated from the outset that the disclosed system, apparatus, and / or methodology may be implemented using any of a number of currently known or existing techniques. This disclosure is not intended to be limited to the exemplary implementations, drawings, and techniques shown below, including the exemplary designs and implementations shown and described herein, and all changes to the equivalents thereof, . While certain aspects of the prior art have been discussed in order to facilitate this disclosure, Applicants never waive rights to such technical aspects, and this disclosure may further include one or more of the prior art aspects discussed herein.

FIG. 1 is a schematic diagram of an online merchandise foreclosures system according to an embodiment of the present invention, and FIG. 2 is a detailed structure of a trade receivables management unit of an online merchandise foreclosures system according to an embodiment of the present invention.

The on-line trade receipt foreclosure system 100 according to the embodiment of the present invention includes a delinquent information registration unit 10, a delinquent information management unit 20 and a accounts receivable management unit 30 and may further include a notification unit 40 have. Here, the elements constituting the online merchandise collection system 100 may be configured as a server connected to each other online to exchange information. In addition, each element does not necessarily have to be configured as a separate server, but may be operated with a separate storage area in one server according to an implementation method, and two or more elements may be configured as a single server . In other words, the present embodiment is only one embodiment for carrying out the present invention, and is not necessarily limited to such a method.

The delinquent information registration unit 10 can store delinquent person information and foreclosure policy information provided through an external user. Herein, the delinquent person information includes personal information of the delinquent person including the delinquent person's unique identification number information and information on the delinquent situation, more specifically, the delinquent person's unique identification number information is a series of personal management Number, resident registration number, business number, corporation registration number, and the like.

The foreclosure policy information will be described later in detail with reference to FIG.

A person who is classified as a delinquent in accordance with at least one of the Act on the National Tax Basic Act, the Local Taxation Act, the Customs Act, the Collection of Local Tax Outward Payments, and the Regulation of Violation of Order Act may be classified as a delinquent have.

At this time, the user provides the delinquent person information directly in the form of a TXT (Text) file, a CSV (comma separated value) file, or an Excel file by collecting the delinquent person information by the delinquent information registration unit 10 Delinquent information can be newly registered, deleted or updated through the registration or deletion method.

The delinquent information management unit 20 can receive delinquent person information and foreclosure policy information through the delinquent information registration unit 10 and provide it to the accounts receivable management unit 30 and monitor the account receivable collection information.

Specifically, the delinquent information management unit 20 provides delinquent person information and foreclosure policy information to the accounts receivable management unit 30 and transmits the delinquent account information to the third debtor server 200 and the collection collection agency server 300 ), It is possible to monitor the change of the information about the delinquent person and the delinquent information in real time or in non-real time.

The accounts receivable management unit 30 can provide the delinquent person information to the third external debtor server 200 and inquire information on the on-line commercial receivables existing between the third debtor and the delinquent person.

At this time, the accounts receivable management unit 30 can classify the on-line merchandise receivables viewed through the external third-party debtor server into any one of actual, non-actual, and non-commercial customers, If the cumulative sales of online receivables are less than the preset amount, it can be classified as non-performing.

2, the accounts receivable management unit 30 includes a delinquent information database 310, a receivables database 320,

Here, the delinquent-information obligation information database 310 is interlocked with the delinquent information management unit 20 and can store the delinquent person information provided through the delinquent information management unit 20. [ The delinquent information database 310 may store the provided delinquent information as it is or change it to a processed form so as to facilitate the management by the user.

The accounts receivable database 320 may store information on the on-line accounts receivable provided in association with the third debtor server 200. The receivables database 320 may store the provided delinquent information as it is or change it to a processed form so as to facilitate management by the user.

The foreclosing processing unit 330 can generate the receipt collection information based on the information stored in the delinquent information database 310 and the receivables database 320. [ If the on-line trade receivables are classified as good, the foreclosure collection processing unit 330 requests collection processing of the on-line trade receivables to the server 300 of the forecovery collection institution and requests that collection processing is requested to the receivable collection information .

If the delinquent collection processing unit 330 changes the delinquent amount of the delinquent person information to less than a predetermined amount in the monitoring process of the delinquent information, the on-line trade receivable seized by the server 300 of the forecovery collection organ And the fact that the seizure release request has been recorded in the receipt collection information is recorded and updated. In this case, the foreclosure collection processing unit 330 provides the receipt collection information to the delinquent information management unit 20 or the notification unit 40 when the foreclosing processing unit 330 generates or updates the receivable collection information.

The notification unit 40 delivers the new receipt collection information to the user and the user can monitor the newly generated or updated receipt collection information through the delinquent information management unit 20. [ In addition, the notification unit 40 notifies the user of the occurrence of the change in the receipt collection information to the user via the mobile management system or the E-mail management system in the form of SMS or e-mail or notifies the details of the change history .

FIGS. 3 to 12 are diagrams showing the receipt collection information through the operation interface of the on-line trade receipt foreclosures system according to the embodiment of the present invention, and the interface can be controlled through the delinquent information management unit 20. FIG.

Referring to FIG. 3, the operation interface of the on-line merchandise collection system can collectively display the delinquent person information. Specifically, the operating interface of the online sales receivable foreclosure system includes salesperson number, mutual name, resident registration number or corporation registration number, Collecting information can be collectively displayed.

Also, the type of the third registered debtor (in the embodiment of the present invention, PG company is shown as an example) is selected, and the presence or absence of the online accounts receivable associated with the registered delinquent person is inquired and inquired collectively to the third debtor .

The query type may be a form of sending an e-mail form of a predetermined form and inquiring through a reply. Alternatively, a query may be made through the system of the third borrower directly linked to the system of the receipt foreclosures applied in the embodiment of the present invention, and the inquiry may be made through the third borrower.

Referring to FIG. 4, if the third debtor has an on-line receivable related to the delinquent person information, it can deliver the foreclosure notice to the third debtor through the interface of the form as shown in FIG.

Specifically, the operating interface of the on-line merchant bond foreclosures system includes the details of the organization performing the seizure, the document number of the foreclosure notice, the personal details of the delinquent person, the information of the third borrower, the indication of the foreclosure, The user can output the foreclosure notice to the third borrower server 200 at the request of the user.

Meanwhile, the information included in the foreclosure notice may be transmitted to the forensic collection organ server 300 together. In addition, the user can be informed through the notification unit 40 that the foreclosure notice has been completely transferred.

Referring to FIG. 5, the operation interface of the online sales receipt foreclosure system can periodically designate and display foreclosure information, delinquent information, delinquent amount information, and sales receipt information collectively.

Referring to FIG. 6, the operation interface of the on-line trade receipt foreclosure system can display the third debtor information, delinquent information, delinquent amount information, and receivables information collectively by specifying a period. At this time, the user can confirm whether there is a trade receivable associated with the third debtor who executed the query through the operation interface of the on-line trade receivable foreclosures system, and the foreclosing of the receivable proceeds at a glance It is possible to monitor collection receipt collection information about the situation.

Referring to FIG. 7, the operation interface of the on-line trade receivable foreclosures system can be displayed to fill out the receipt processor, the collection request amount, and the bank information. The user writes information related to collection on the interface, Information input to the server 300 may be transmitted.

Referring to FIG. 8, the operation interface of the on-line receivable foreclosures system may indicate whether the foreclosures and collections are proceeding normally, or may display only the list of business receipt collection information in which foreclosures are normally performed as shown in FIG.

9, the operation interface of the on-line merchandise receipt for foreclosure system can be displayed to fill in the receipt processor, requested amount of seizure release, and bank information, and the user writes information related to the seizure release to the interface, Information input to the collection institution server 300 may be transmitted.

Referring to FIG. 10, the operation interface of the on-line merchandise receipt forcible system may display the obsolete information on the receipt processor with different color of the text or change the font to display or output the receipt collection information to the user It is possible.

Referring to FIG. 11, the foreclosure policy information may include the same area classification information and the same industry classification information. Here, the same area group classification information includes a lower area group code, which signifies the administrative unit of the same area, and a higher area group code, and the same business group classification information includes an upper category code And an industry classification code.

Specifically, the sub-regional group code is automatically assigned in association with the address information in the delinquent information, and the upper area group code can be assigned according to a pre-classification method among the corresponding address information. For example, in the case of delinquents located in the same district, the sub-districts code can vary, but the upper-districts code can be the same. However, it is not necessarily limited to the administrative district, and even if the district is different or the city code is different, the upper district group code can be classified equally.

Likewise, the same industry classification information can be assigned a detailed sub-sector classification code according to the classification of the IRS industry classification. Apart from the sub-category classification, an upper category classification code may be assigned according to a predetermined method. For example, a sub-category code can be automatically assigned according to the business registration method, but an upper category code can be assigned equally if it is classified as a similar business category such as a food business group or a financial business group.

As shown in FIG. 12, the receivables management unit 30 classifies the delinquents into delinquent groups belonging to the same area group when the upper area code of the delinquent person information is the same, and collects the delinquent amount The local recovery rate information can be generated.

Further, the foreclosure policy information may include information on the related institution collecting department according to the upper region group code, and if the local collection rate is lower than the preset recovery rate, The delinquent delinquents belonging to the delinquent delinquents can be classified and classified into the delinquent delinquents and the list of delinquents changed to the delinquent delinquents can be notified to the related institution collection department through the notification unit 40. [

In addition, the receivables management unit 30 classifies the delinquents into delinquent groups belonging to the same business category when the upper business category codes of the delinquent person information are the same, and calculates the delinquent recovery rate based on the total delinquent Thereby generating the industry recovery rate information.

At this time, the foreclosure policy information includes the related institution collection department information according to the upper industry classification code, and the receivables management unit 30, when the industry recovery rate is lower than the predetermined recovery rate, And informs the related institution collection department of the list of the delinquents who have been changed to the risk type delinquent information and the type of industry recovery rate information.

By classifying delinquents by region and industry and statistically approaching them, relevant government officials can more efficiently track the on-line online bonds based on the delinquent information of delinquents, intuitively grasp the collection status of delinquent taxes, You can manage the tax collection status.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments.

Claims (9)

A delinquent information management unit for receiving delinquent person information and foreclosure policy information through a delinquent information registration unit and providing the information to the receivables management unit and monitoring the receivable collection information;
And a sales receipt management unit for inquiring whether the on-line receivable information corresponding to the delinquent person information exists through the third external debtor server and for analyzing the online receivables referenced according to the seizure policy information to generate the receivable collection information ,
Further comprising a notification unit for delivering new receivable collection information to a user when the receivable collection information is generated or updated,
The foreclosure policy information includes the same area group classification information and the same sector group classification information, and the same area group classification information includes a lower area group code indicating the same unit administrative area and a different upper area group code, The same business category grouping information includes an upper category classification code different from the lower category classification code according to the category classification of the National Tax Service. The delinquent information management unit may classify the same region classification information and business category classification information according to local information and industry information included in the delinquent person information, The same business type group classification information,
If the upper category classification code of the delinquent party information is the same, the receivables management section classifies the delinquent persons into the delinquent group belonging to the same business type group, calculates the delinquent amount recovery rate based on the total amount of delinquencies, / RTI >
The foreclosure policy information includes the related institution collection department information according to the upper industry classification code and when the recovery rate of the industry receivables becomes lower than the predetermined recovery rate, the delinquent persons belonging to the upper industry classification code are regarded as a risk observer And notifies the related institution collection department of the list of delinquents who have been changed to information on the type of industry recovery rate and the delinquent delinquent, through the notification unit. The method according to claim 1,
The receivable management section classifies the delinquent persons into delinquent groups belonging to the same area group when the upper area code of the delinquent person information is the same and calculates the delinquent amount recovery rate based on the total delinquent amount and the recoverable amount in the upper area, Generate,
The foreclosure policy information includes the related institution collecting department information according to the upper region group code and the accounts receivable management section determines that the delinquent persons belonging to the upper region group code are dangerous delinquents when the local collection rate becomes lower than the predetermined recovery rate And notifies the local collection agency department of the list of the delinquents who have been changed to the risk recovery delinquent information and the local collection rate information through the notification unit. The method according to claim 1,
Wherein the delinquent-information registration unit classifies and stores the high-delinquent delinquent person if the delinquent amount of the delinquent person information is equal to or larger than a preset amount. The method according to claim 1,
The above-mentioned accounts receivable management department is effective when there is a delinquent amount of more than a predetermined amount among the persons classified as delinquent persons in accordance with the laws and regulations of the National Tax Basic Act, the Local Tax Act, the Customs Act, the Collection of Local Tax External Deposit, And the delinquent borrower is classified as a delinquent borrower. The method according to claim 1,
And the sales receivable management unit classifies the on-line trade receivables searched through the third external debtors server as one of sales receivable, non-performing sales, and non-sales receivables. The method of claim 5,
Wherein the sales receivable management unit requests collection processing of the on-line trade receivables to a server of the foreclosing organization when the online sales receivables are classified as actual sales. The method of claim 6,
Wherein the sales receipt management unit requests the seizure processing of the on-line trade receivable seized by the server of the seizure organization when the delinquent amount of the delinquent person information is changed to a predetermined amount or less. delete delete

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