KR102276128B1 - Agency service apparatus based on factoring business - Google Patents

Abstract

The business agency service providing apparatus based on the factoring business according to the present invention is implemented by including an operation platform that can provide the necessary business for the financial company and the factoring business partner (affiliate), thereby allowing the financial company to perform the business of the factoring business partner (affiliate) For example, you can check the real-time status of product sales by customer inflow channel, sales statistics information, and the acceptance rate and delinquency rate of purchased receivables, so you can predict risks and profits for the factoring business in advance. affiliates) does not need to use a rental agency, and there is no need to separately hire employees who handle sales, installment contracts, receipts, and customer management including personal information security. In addition, factoring business partners (affiliates) can combine with the business agency's creditworthiness and business agency ability to create business synergies, such as improving sales performance and money circulation, and enhancing business stability.

Description

A device for providing service on behalf of a business based on factoring business {AGENCY SERVICE APPARATUS BASED ON FACTORING BUSINESS}

The present invention relates to an apparatus for providing a business proxy service based on a factoring business, and more particularly, a financial company can stably expand the number of factoring business partners (affiliates) and check the business status of factoring business partners (affiliates) in real time It relates to a business agency service providing device based on a factoring business that can predict risks and profits for the factoring business in advance.

In general, factoring is a system in which financial companies purchase trade receivables such as commercial papers or accounts receivable from companies and lend money based on them. It was first introduced in the United States in the 1920s with the purpose of helping businesses facilitate business activities by quickly converting trade receivables received in exchange for cash in exchange for business transactions. The loan limit is up to 100% of the face value of the receivables, but it may be lowered depending on the sales scale or credit rating of the company.

Recently, as a profit diversification strategy for card companies to defend their profitability, which has been weakened by the reduction of merchant commission rates, they are pursuing a factoring business that purchases and securitizes installment receivables generated from rentals or product installment sales for small and medium-sized enterprises (SMEs) lacking financial power. .

On the other hand, manufacturers who want to sell products by rental or installment use sales agencies that have offline stores or online or TV home shopping channels. However, since manufacturers pay a lot of money to these sales agencies, even if they actually sell products, they are not recognized as 100% sales, and there is a difficulty in forming a dedicated manpower for receivables and overdue management after sales.

Accordingly, a financial company (eg, a credit card company) that intends to promote a factoring business that purchases and securitizes installment receivables arising from rental or installment sales of goods must find a factoring business partner (affiliate) that can stably operate the factoring business. However, it is not easy for a financial company to find a factoring business partner (affiliate) that can solve even the debt management risk.

Korea Patent No. 10-1540612 (Registration Date 2015.07.24) Korean Patent Publication No. 10-2001-0064665 (published on July 11, 2001) Korea Patent Publication No. 10-2000-0054166 (published on September 5, 2000)

As shown in FIG. 1 , a financial company may enter into a factoring contract with a plurality of affiliates (manufacturers or sales agencies) to purchase and securitize bonds generated in accordance with rental or product installment sales. However, since this structure solely depends on the sales power of the affiliates, it is difficult for financial companies to have confidence that the factoring business can be carried out continuously, and, moreover, it is not easy to understand the status of receivables and risks performed by the affiliates. There is also the problem of being difficult to predict.

In order to solve this problem, the present invention supports the insufficient operational and management capabilities of affiliates and enables financial companies to check the business status of factoring business partners (affiliates) in real time, so that risks and profits for the factoring business can be predicted in advance. It provides a business agency service providing device based on a factoring business.

In addition, the present invention provides an apparatus for providing a business proxy service based on a factoring business that can provide information necessary for financial companies and affiliates easily and conveniently by unifying the management system for the factoring business tasks for a plurality of affiliates.

A business agency service providing apparatus based on a factoring business according to the present invention collects and delivers bonds of each affiliate according to a bond transfer contract concluded between a plurality of affiliates and financial institutions, and collects monthly payments from customers to financial institutions It is a business agency service providing device that delivers

a customer reception processing unit for receiving customer reception information including the name and customer terminal identification information of a customer who wants to purchase the affiliate's product by rental or installment from a customer inflow channel for product sales of the affiliated company and storing the received customer information in the storage unit;

A product that transmits product contract information including the rental period and rental amount or installment period and installment amount for the product to the customer's terminal and includes customer identification information who wants to rent or purchase the product from the customer's terminal a contract processing unit that receives contract information, stores it in a storage unit, and transmits the product contract information to an affiliate terminal;

a delivery confirmation processing unit for receiving delivery completion information on the delivered product from the affiliate terminal and storing the received information in the storage unit; a bond purchase processing unit for generating bond purchase information for each affiliate including the delivery completion information and product contract information, storing the bond purchase information for each affiliate in a storage unit, and transmitting the bond purchase information for each affiliate to a financial institution terminal; a payment processing unit for receiving payment information for each affiliate according to the bond purchase from a financial company terminal and storing the information in a storage unit; It is configured to include a receivables collection processing unit that receives the cost deposit information including the monthly rental amount or installment amount deposited by the customer from the payment gateway, stores it in the storage unit, and transmits the cost deposit information to the financial institution terminal.

As a prerequisite for the present invention, the affiliate provides a rental bond or installment sales bond for the product to the financial company, and the financial company enters into a bond transfer contract to pay the product price according to the bond purchase to the affiliate, and the service provider of the business is the affiliate and A delegation contract with a financial company is required to perform tasks related to customer reception, rental/installment contract signing, bond purchase and bond management, payment collection and overdue management.

According to the present invention, an apparatus for providing a business agency service based on a factoring business, wherein the contract processing unit stores the customer's credit inquiry information input from the credit information providing terminal in the storage unit, and stores the customer's credit inquiry information and a preset product sales policy for each affiliate is implemented to determine whether to sell the product to the customer by comparing the results, and to store the result in the storage unit.

The business agency service providing apparatus based on the factoring business according to the present invention is implemented such that the contract processing unit receives the product contract cancellation information from the customer terminal or call center, stores it in the storage unit, and transmits the product contract cancellation information to the affiliate terminal. Product contract cancellation information is managed in multiple stages, such as when a call center calls for a contract conclusion information, before delivery of a product, or after delivery of a product.

A business agency service providing apparatus based on a factoring business according to the present invention includes a call distribution processing unit that generates a plurality of call information including customer reception information and call center identification information and stores it in a storage unit, and sales from bond purchase information for each affiliate It is implemented by further comprising a status analysis processing unit that calculates the amount and the number of sales, and calculates the settlement ratio using the settlement amount deducted by the settlement ratio from the sales amount and the payment information for each affiliate.

As described above, the apparatus for providing a business agency service based on the factoring business according to the present invention is implemented by including an operating platform that can provide the necessary business for a financial company and a factoring business partner (affiliate company), thereby allowing a financial company to become a factoring business partner ( The business status of affiliates), for example, product sales performance by customer inflow channel, sales volume statistical information, receipt rate and delinquency rate of purchase receivables, etc. can be checked in real time, so that risks and profits for the factoring business can be predicted in advance.

On the other hand, factoring business partners (affiliates) do not need to use rental agencies, and there is no need to separately hire employees who handle sales, installment contracts, receipt, and customer management tasks including personal information security. In addition, factoring business partners (affiliates) can combine with the business agency's creditworthiness and business agency ability to create business synergies, such as improving sales performance and money circulation, and enhancing business stability.

1 is an exemplary diagram for explaining a rental / installment factoring business between a financial company and an affiliated company.
2 is an exemplary diagram for explaining a factoring business structure according to the present invention.
3 is a configuration diagram of a service agency service system based on a factoring business according to the present invention.
4 is a block diagram of an apparatus for providing a business proxy service based on a factoring business according to the present invention.
5 is a detailed configuration diagram of a current state analysis processing unit of an apparatus for providing a business proxy service based on a factoring business according to the present invention.
6 is an exemplary diagram for explaining an additional configuration of an apparatus for providing a business proxy service based on a factoring business according to the present invention.
7 to 9 are exemplary diagrams for explaining the analysis content provided by the business proxy service providing apparatus based on the factoring business according to the present invention.

Since the present invention can apply various transformations and can have various embodiments, specific embodiments are illustrated in the drawings and described in detail in the detailed description. However, this is not intended to limit the present invention to specific embodiments, and it should be understood to include all modifications, equivalents and substitutes included in the spirit and scope of the present invention.

The terms used in the present invention are only used to describe specific embodiments, and are not intended to limit the present invention. The singular expression includes the plural expression unless the context clearly dictates otherwise. Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

Referring to FIG. 2 for the factoring business structure according to the present invention, a rental / installment factoring contract including a bond transfer contract is concluded between an affiliate and a financial company, and a delegation contract is concluded between an affiliate and a business agency service provider. . Of course, a delegation contract for bond purchase and bond collection is also signed between the business agency service provider and the financial company.

Affiliates will provide rental bonds or installment sales bonds for products to financial companies in accordance with the bond transfer agreement, and the financial companies will pay the affiliates the product price according to the bond purchase. A business agency service provider is a delegated contractor for business agency business with affiliates and financial companies, and collects product rental bonds or installment sales receivables of each affiliate according to the bond transfer agreements concluded between multiple affiliates and financial companies and delivers them to financial companies. In addition, it collects monthly payments from customers and delivers them to financial institutions.

Affiliates may be manufacturers of furniture such as beds and massage chairs, refrigerators, washing machines, TVs, photocopiers, water purifiers, smartphones, monitors, screens, etc. , it may be an insurance company that deals with mutual aid insurance or life insurance, it may be a product delivery company that supplies products to department stores or large discount marts on a daily basis, or it may be a sales agency such as a store specializing in home appliances. A financial company may be a capital, a credit card company, or a bank. Here, the bank can also be an internet bank, for example, Kakao Bank.

The service provider acts on behalf of customer reception, rental/installment contract conclusion, bond purchase and bond management, payment collection and overdue management. The work of the service provider is determined according to the delegation contract with the affiliate, and if necessary for the factoring business, it is possible to support product sales and marketing.

Since the collection business related to delinquency of debts to other companies is only available to licensed business owners who are registered for loan business and collection business, a business agency service provider may obtain permission to perform delinquency and collection business, and a business agency service provider may obtain permission. If you do not obtain the information, you can use a third-party collection agency that has been authorized to collect collection services, but you can also obtain information on delinquency and the progress of collection services and provide them to financial companies by linking the computer with each other. Hereinafter, delinquency management in the present invention means managing information on the progress of delinquency and debt collection, and whether the business agency additionally performs collection tasks such as calling for delinquency and debt collection. whether or not

Importantly, the business agency service provider has excellent personal information protection capabilities, excellent system text supplementation and IP security, and VAN encryption capability that can be linked to financial institutions, has excellent network and server access control and computer operation technology, and is It must be a person with excellent ability to collect receivables (ie, recover normal receivables that are not overdue). To this end, the business agency service provider needs to make a database of information that can identify each customer's credit rating, the possibility of delinquency by customer, the possibility of delinquency by product type, and the possibility of delinquency by product price, and use it for receivables management.

In fact, when a financial company concludes a bond transfer contract with an affiliate, it only evaluates the affiliate's product manufacturing capacity, production capacity, and creditworthiness. Only the business agency service provider needs to evaluate the business capability for collection and overdue management. Accordingly, it is convenient for financial companies to work one-on-one with a business agency service provider no matter how many affiliates increase. In addition, financial companies can check the business status of multiple factoring business partners (affiliates) in real time, for example, product sales performance by customer inflow channel, sales volume statistical information, receipt rate and delinquency rate of purchase receivables, etc. in real time. Risk and return can be predicted in advance.

Typically, financial companies that want to earn profits through rental/installment factoring business want to discover many affiliates. The same is true for business agency service providers. In other words, since business agency service providers also generate revenue by providing business agency services, many affiliates are essential. Accordingly, business agency service providers and financial companies can stably operate the factoring business by discovering affiliates.

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

The customer terminal 150 is a terminal used by a customer who wants to purchase a product by rental or installment, for example, a desktop PC, a tablet PC, a smartphone, a laptop computer, a wearable device, a wireless phone, and a communication means such as a TV. include The customer terminal 150 displays a customer inflow channel, for example, a TV home shopping broadcast, a mobile video advertisement, an online website advertisement, or a product advertisement sent by an offline store operator.

The affiliate terminals 411 and 412 are terminals used by affiliates that have entered into a bond transfer contract with a financial company with installment receivables generated as a result of renting or selling their products to customers. The affiliate receives the product contract information including the rental period and rental amount for the product or the installment period and installment amount according to the purchase of the product from the business agency service providing device 420, and customer confirmation information who wants to rent or purchase the product in installments. It can be confirmed through the affiliate terminals (411, 412). The affiliate confirming the product contract information may deliver the rental or installment purchase product to the customer and transmit the delivery completion information to the business agency service providing device 420 through the affiliate terminals 411 and 412 .

The business agency service providing device 420 generates bond purchase information for each affiliate including delivery completion information and product contract information, and transmits it to the affiliate terminals 411 and 412 and the financial institution terminal 430 . Then, the financial company terminal 430 deposits the payment according to the bond purchase to the affiliate, and transmits the affiliate payment information to the business proxy service providing device 420 . The business agency service provider collects the monthly payment for installment receivables from the customer and delivers it to the financial company. Hereinafter, a detailed configuration of the business proxy service providing apparatus 420 will be described later with reference to FIG. 4 .

The financial company terminal 430 receives the monthly rental amount or installment amount deposited by the customer through the payment gateway 450 interlocked with the business proxy service providing device 420 . The payment gateway 450 transmits cost deposit information including the monthly rental amount or installment amount deposited by the customer to the business proxy service providing device 420 . Then, the business agency service providing device 420 stores the cost deposit information including the rental amount or installment amount that the customer deposits with the financial company every month in the storage unit, and transmits the cost deposit information to the financial company terminal 430 . Alternatively, the rental amount or installment amount may be first deposited to the business agency service company through the payment gateway 450 , and then the rental price or installment amount may be remitted from the business agency service company to the financial institution. Even in this case, the process of storing the cost deposit information in the storage unit and transmitting the information to the financial institution terminal 430 in the business proxy service providing apparatus 420 is performed in the same manner.

The call center 440 includes a counselor who guides the product purchase intention and documents related to product sales through direct voice call with the customer using the customer's name and customer terminal identification information who wish to purchase the affiliate's product by rental or installment payment. is composed by The call center 440 may be implemented in plurality in the form of a business agency service company's own call center or an external affiliated call center, and accesses the server provided by the business agency service providing device 420 to provide information necessary for business, for example, a rental period for a product. and product contract information including the installment period and installment amount according to the rental amount or product purchase is transmitted to the customer terminal 150 . The call center 440 may record and store information input from the customer terminal 150 , for example, the customer's purchase intention confirmation voice. The product contract information may include, for example, an electronic document image including a credit inquiry agreement, a contract, a personal information collection agreement, a contract agreement, or a direct debit agreement.

The payment gateway 450 stores product contract information including a rental period and a rental amount for a product provided by the business proxy service providing device 420 or an installment period and installment amount according to product purchase. The payment gateway 450 transmits monthly deposit information to the customer by text message, KakaoTalk, or the customer's e-mail on a set date. The payment gateway 450 transmits cost deposit information including the monthly rental amount or installment amount deposited by the customer to the business proxy service providing device 420 .

When describing the configuration of the business proxy service providing device 420, the business proxy service providing device 420 is accessible through a wired/wireless communication network, and an output device such as an LCD/LED monitor, and an input unit including a mouse, keyboard, touch screen, etc. , and a server including data and an executable program and a controller for executing the program.

As shown in FIG. 4 , in one embodiment, the business proxy service providing apparatus 420 includes a customer reception processing unit 421 , a contract processing unit 422 , and a storage unit 423 according to functions for processing the business proxy service. ), a delivery confirmation processing unit 424 , a bond purchase processing unit 425 , a payment processing unit 426 , and a claim collection processing unit 427 may be implemented.

The customer reception processing unit 421 receives customer reception information including the name and customer terminal identification information of the customer who wants to purchase the affiliate's product by rental or installment from the customer inflow channel for selling the affiliate's product, and stores it in the storage 423. Save. The customer inflow channel may provide information (eg, Lotte Home Shopping, 3rd round, Monday, 9 o'clock, 2019.06.06) including the date, time, and day of the week when the customer applied for the product. This information can be used as marketing analysis data on when the affiliate's products sold well, or as data for judging the performance of each customer inflow channel.

The contract processing unit 422 transmits product contract information including the rental period and rental amount for the product or the installment period and installment amount according to the purchase of the product to the customer terminal 150 and rents the product from the customer terminal 150 or The product contract information including customer confirmation information to be purchased in installments is received and stored in the storage unit 423 . The product contract information may include, for example, an electronic document image including a credit inquiry agreement, a contract, a personal information collection agreement, a contract agreement, or a direct debit agreement. The contract processing unit 422 transmits product contract information including customer identification information to the affiliate terminals 411 and 412 .

The contract processing unit 422 receives the credit inquiry information of the customer inquired by an external specialized agency from the credit information providing terminal and stores it in the storage unit 423 . The contract processing unit 422 determines whether to sell the product to the customer by comparing the customer's credit inquiry information with the preset product sales policy for each affiliate, and stores the result in the storage unit 423 . Product sales policies for each affiliate include customer credit information, product sales price, etc., and can be changed according to the affiliate's will, or according to the sales policy according to the season or product inventory.

The contract processing unit 422 receives the product contract cancellation information from the customer terminal 150 or the call center 440 and stores it in the storage unit 423 . The contract processing unit 422 transmits product contract cancellation information to the affiliate terminals 411 and 412 . The product contract cancellation information is managed by being subdivided into several steps, such as when the call center 440 makes a contract conclusion guidance call, before shipping the product, or after shipping the product.

The delivery confirmation processing unit 424 receives the delivery completion information for the delivered product from the affiliate terminals 411 and 412 and stores it in the storage 423 . The delivery completion information may include the name of the shipper, the delivery time and date, the name of the customer, and delivered product information.

The bond purchase processing unit 425 generates and stores bond purchase information for each affiliate, including delivery completion information, customer confirmation information who wants to rent a product or purchase in installments, and product contract information, and stores it in the storage unit 423 . The bond purchase processing unit 425 transmits bond purchase information for each affiliate to the financial institution terminal 430 . The payment processing unit 426 receives payment information for each affiliate according to the bond purchase from the financial company terminal 430 and stores it in the storage unit 423 .

The claim collection processing unit 427 receives the cost deposit information including the rental amount or installment amount deposited by the customer every month from the payment gateway 450 and stores it in the storage unit 423 . The claim collection processing unit 427 transmits the cost deposit information including the monthly rental amount or installment amount deposited by the customer to the financial institution terminal 430 .

As shown in FIG. 4 , the apparatus 420 for providing a business proxy service based on the factoring business according to the present invention, based on the information stored in the storage unit 423, sales performance by high inflow channel, monthly sales volume, and profit rate by affiliate , the reason for contract cancellation, overdue management, customer evaluation, etc. may be implemented by further including a status analysis processing unit 428 that generates and converts data (eg, graph or table) that can be recognized by humans.

As shown in FIG. 5, the status analysis processing unit 428 includes a channel-specific performance processing unit 4281, a monthly sales volume processing unit 4282, a yield analysis processing unit 4283, a contract cancellation processing unit 4284, and a delinquency processing unit 4285 and It may be implemented including the customer evaluation processing unit (4286).

The channel-specific performance processing unit 4281 includes customer reception information, call progress information, product contract information, and delivery completion information provided from customer inflow channels, for example, TV home shopping broadcasts, mobile video advertisements, online website advertisements, or offline stores. All information from customer inflow to receivable collection is calculated for each channel based on customer's cost deposit information and financial company's payment information. As shown in FIG. 7 , in the case of TV home shopping broadcast, the channel-specific performance processing unit 4281 may calculate information from customer inflow to receivable collection by broadcast schedule, broadcast date, and broadcast time, and convert it into a graph or table.

The monthly sales amount processing unit 4282 may calculate the monthly sales amount based on bond purchase information for each affiliate stored in the storage unit 423 as product contract information delivered to the customer. The monthly sales amount processing unit 4282 may calculate monthly sales amount information and convert it into a graph or a table.

The yield analysis processing unit 4283 calculates the sales amount and the number of sales based on bond purchase information for each affiliate stored in the storage unit 423 as product contract information delivered to the customer. The yield analysis processing unit 4283 calculates a settlement amount obtained by subtracting the product settlement ratio for each affiliate from the calculated sales amount. The product settlement ratio for each affiliate may be calculated in consideration of fees including the deposit, bond purchase amount and contract cost, and the payment agency amount for use in the case of premature termination or bankruptcy of the affiliate. Referring to FIG. 8 , the yield analysis processing unit 4283 may convert the calculated settlement amount to a graph or table by calculating a settlement rate using the payment information actually deposited from the financial company to the affiliated company.

The contract cancellation processing unit 4284 calculates the reasons for contract cancellation and the number of cases corresponding to each reason based on the product contract cancellation information input from the customer terminal 150 or the call center 440 and stored in the storage unit 423, in a graph or table. can be converted As shown in FIG. 9, the reasons for canceling the contract may be various, such as a simple change of mind, burden of money, purpose of a prize, credit dropout, wrong receipt, credit card misplaced, missing number, spouse objection, product dissatisfaction, contract change, and the like.

The overdue processing unit 4285 may extract overdue persons based on the customer-specific cost deposit information input from the payment gateway 450 and convert the overdue persons information into a list and a table. The customer evaluation processing unit 4286 may calculate the distribution of credit ratings of customers whose product delivery has been completed based on the customer's credit inquiry information and convert it into a table or graph.

For smooth operation of each unit, the operation provided by the business agency service providing device 420 so that the customer can check the progress by distinguishing each step of the process from the inflow process, the initial call process, the contract conclusion process, and the delivery process The platform should be closely linked with the computer system of the financial company and factoring business partner (affiliate company), and a software platform capable of checking all the above step-by-step processes should be installed and operated in the business agency service providing device 420 .

As shown in FIG. 6 , there may be a plurality of call centers that transmit product contract information including the rental period and rental amount for the product or the installment period and installment amount according to the purchase of the product to the customer by viewing the customer reception information. The plurality of call centers 431 , 432 , and 433 may be an external service organization or an organization belonging to a business proxy service provider. Whether the call center is an external service organization or an affiliated organization, the corresponding call information stored in the storage unit 423 is used.

Accordingly, the apparatus 420 for providing an agency service based on a factoring business according to the present invention may further include a call distribution processing unit 429 . The call distribution processing unit 429 generates a plurality of call information including customer reception information and call center identification information stored in the storage unit 423 and stores it in the storage unit 423 .

The business agency service providing apparatus based on the factoring business according to the present invention is an operating platform that can provide necessary business for a financial company and a factoring business partner (affiliate), and allows a financial company to provide an example of the business status of a factoring business partner (affiliate). , product sales performance by customer inflow channel, sales statistics information, receipt rate and delinquency rate of purchase receivables, etc. can be checked in real time, so that risks and profits for the factoring business can be predicted in advance.

So far, the present specification has been described with reference to the embodiments shown in the drawings so that those of ordinary skill in the art to which the present invention pertains can easily understand and reproduce the present invention, but this is merely exemplary. Accordingly, those of ordinary skill in the art will understand that various modifications and equivalent other embodiments are possible from the embodiments of the present invention. Therefore, it should be understood that the embodiments described above are illustrative in all respects and not restrictive. For example, each component described as a single type may be implemented in a dispersed form, and likewise components described as distributed may be implemented in a combined form. Therefore, the true technical protection scope of the present invention should be defined only by the appended claims.

Claims (5)

It is a business agency service providing device that collects the bonds of each affiliate according to the bond transfer agreement signed between a plurality of affiliates and financial companies and delivers them to financial companies, as well as collects monthly payments from customers and delivers them to financial companies.
The above business proxy service providing device is:
a customer reception processing unit for receiving customer reception information including the name and customer terminal identification information of a customer who intends to purchase the affiliate's product by rental or installment from a customer inflow channel for product sales of the affiliated company and storing the received customer information in the storage unit;
A product that transmits product contract information including the rental period and rental amount for the product or the installment period and installment amount according to the purchase of the product to the customer's terminal a contract processing unit that receives contract information, stores it in a storage unit, and transmits the product contract information to an affiliate terminal;
a delivery confirmation processing unit for receiving delivery completion information on the delivered product from the affiliate terminal and storing the received information in the storage unit;
a bond purchase processing unit that generates bond purchase information for each affiliate including the delivery completion information and product contract information, stores the bond purchase information for each affiliate in a storage unit, and transmits the bond purchase information for each affiliate to a financial institution terminal;
a payment processing unit for receiving payment information for each affiliate according to the bond purchase from a financial company terminal and storing the information in a storage unit;
a receivable collection processing unit for receiving cost deposit information including the monthly rental amount or installment amount deposited by the customer from the payment gateway, storing it in a storage unit, and transmitting the cost deposit information to a financial institution terminal;
Calculate the sales amount and the number of sales from the bond purchase information for each affiliate, and calculate the settlement rate using the settlement amount deducted by the settlement ratio from the sales amount and the payment information for each affiliate;
Based on the information stored in the storage, analysis data including sales performance by customer inflow channel, monthly sales volume, profit rate by affiliate, reason for contract cancellation, overdue management, and customer evaluation are generated and converted into human-readable data. Including a status analysis processing unit,
The contract processing unit stores the customer's credit inquiry information input from the credit information providing terminal in the storage unit, compares the customer's credit inquiry information with the preset product sales policy for each affiliate, determines whether to sell the product to the customer, and returns the result store in the storage unit, and change the product sales policy for each affiliate according to the season or product inventory;
The customer inflow channel for product sales of the affiliate includes at least one of TV home shopping broadcasting, mobile video advertisement, online website advertisement, and offline store advertisement,
The smart installment system, characterized in that the customer reception processing unit receives information including the date, time, and day of the week when the customer applied for the product from the customer inflow channel and stores the received information in the storage unit. delete The method according to claim 1,
The contract processing unit,
Receives product contract cancellation information from a customer terminal or call center, stores it in a storage unit, and transmits the product contract cancellation information to an affiliate terminal
Smart installment system characterized by. The method according to claim 1,
The above business proxy service providing device is:
a call distribution processing unit for generating a plurality of call information including the customer reception information and call center identification information and storing it in a storage unit;
A business agency service providing device based on a factoring business further comprising a. delete

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